WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of credit card fraud. I was notified by  XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   the bank representative informed me that a person or persons unknown to me opened  XXXX  credit card accounts in my name.  XXXX  card was opened at the   XXXX   XXXX  . The  XXXX   XXXX  card is backed by  XXXX  bank. The second credit card was opened with  XXXX . On  XXXX / XXXX /  XXXX   I contacted all  XXXX  credit bureaus. On  XXXX / XXXX /  XXXX   I went online and received a copy of my credit report from  XXXX  and  XXXX . I tried to obtain my credit report  from Trans Union but  after entering all of my information I received a message that said I could not receive a copy of my report because I ha d two open  disputes. On  XXXX   XXXX ,   XXXX   I made several call s to Trans Union and requested a copy of my report because I was the victim of cr edit card fraud. I also told the person I was speaking with that a  XXXX   XXXX  from the  XXXX   XXXX  police department had told me to get copies of my reports from all  XXXX  credit reporting ag ency 's. After speaking with 2 supervisors at Trans Union I was told I would have to wait until the 2 disputes were investigated. I was told that by law Trans Union has up to 30 days to complete their   investigation. I explained that I could not wait 30 days and needed my report ASAP. I was told the only way to get my report sooner would be to dro p the 2 disputes I filed. I said this is crazy. I just need my report so I can see if there is any suspicious information in my report and that I need a copy for the police department. Trans Union ref used to provide me with a copy of my report even though I was a victim of credit card fraud. This is not fair and it should be changed. Victims of credit card fraud should be giving their credit report upon request even if there is a current open dispute.   I have been very sick with   XXXX   XXXX   XXXX  for a few years now. All this has been very  XXXX  for me. I have had to spend many hours on the phone since this happened.
I initially took out this loan out in XX/XX/XXXX because I was in a financial bind. I planned to pay it back within two pay periods, however we then got hit with hurricane Irma. I have been paying XXXX every two weeks since XX/XX/XXXX on a XXXX loan. I have paid XXXX to date on this loan and still owe XXXX if I paid it in full or 4 payments left. I can no longer afford this loan the payments on this loan and believe the terms are deceptive.
There are XXXX credit inquiries that I did not authorize from XXXX ; dated 2014. I would like to dispute this on my credit report.
I purchased shoes on XXXX with my Citibank Simplicity credit card. The shoes were of poor quality and did not match the description and picture from the website. I am an XXXX XXXX  member so attempted to send the shoes back and XXXX refused. This was the first time they have ever refused a return, and they closed the case on me and refused any further contact on the matter. 

I then filled a complaint with Citibank as the purchase was made on the Citibank Simplicity credit card. Citibank opened a case, gave XXXX 1.5 months to reply, and once they did Citibank closed the dispute and reversed and charged me again for the purchase ; not allowing me time to further dispute. Also, the terms of the Citibank Simplicity credit card states 90-day return protection which they did not honor. 
" If You try to return an item within 90 days of purchase and the merchant wont take it back, We may refund You the purchase price up to {$300.00} per item and {$1000.00} per year. '' Citibank clearly is in collusion with XXXX and performing unfair business practices that are harmful to me as a consumer. Please escalate this matter and investigate both Citibank and XXXX for these unfair business practices. I am fully prepared to send back the unused shoes still in the box once it is fully paid for in shipping and specified that purchase refund will be made..
I used Chase Freedom Credit Card in XXXX XXXX XXXX XXXX to buy a suit with pant. According to XXXX XXXX policy, it's well known for both the shop in XXXX and the website of XXXX XXXX that they provide 1 year warranty for themselves. For Chase Freedom Credit card, it provides additional 1 year warranty outside of the automatic 1 year warranty. My pant broke after 1 year but within 2 years range. I filed claim to Chase asking for the insurance cover for my pant purchased at XXXX XXXX XXXX XXXX. 

Chase refused my claim and closed it saying it requires me to provide the 1 year warranty pdf file from XXXX XXXX. I contacted XXXX XXXX customer service, and I was told that they do provide 1 year warranty to their suit and pant, but they don't have that warranty policy as a PDF file on their end. 

Since I don't have such a PDF file of XXXX XXXX suit 1 year warranty. Chase refused and rejected my claim for the broken pant. I think this is ridiculous. Chase try to avoid paying customer the insurance coverage by requesting impossible file from customer which violates the main goal of their credit card insurance policy. If they can't provide insurance coverage for customer using their credit card buying merchandise, they shouldn't say they provide insurance coverage for merchandise purchased by their credit card. I want my full refund of the payment for my suit and pant purchased using Chase Freedom Credit Card.
In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XX/XX/XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then 7 years which would have been no later then XX/XX/XXXX. 
The judgment was paid and released on XX/XX/XXXX, this XX/XX/XXXX is ( 9 years ) I feel that all XXXX Transunion, XXXX and XXXX bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all three bureaus REMOVE this immediately from both my name and spouses. It was paid and released over 9 years ago and taken off and on our credit, most recently placed on again.
I consolidated my graduate loans with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2009. Apparently, my loans were transferred to several Service providers and consolidated again. Navient is now telling me that I owe twice as much. I have sent proof from my school showing that I only owe half of the amount Navient claims. I have repeatedly tried to get them to investigate and even got in touch with the Ombudsmen. Apparently, the Ombudsmen work for Navient. 
I have called and called and called and am continually transferred from one department to the other. 
I can not get anyone from Navient or the Department of Education to thoroughly investigate my loans.
Received a letter from a debt collection company on XX/XX/17 stating that I had 30 days to dispute the debt in writing, which is a violation of my rights since there is more than one way to dispute a debt.
The state tax lien that is being reported on my credit report was satisfied and paid in full on XX/XX/XXXX. The tax lien was filed on XX/XX/XXXX. The tax lien was reported to the CRA 's, by a third party vendor, in XX/XX/XXXX. The tax lien DID NOT include a full social security number and did not contact my DOB. The document does not meet the required information to be included on my credit report. One CRA has removed it after confirming required information was missing. The other two are NOT cooperating and will not confirm if the required information was included. I spoke with two supervisor 's - one at each entity - both confirmed that in order to include the lien on my report, 3 of the 4 pieces of personal information are necessary. Neither would tell me if my file included that information. Please understand that I personally went to the county courthouse as a " third party '' and requested a copy of my tax lien. I received exactly what XXXX ( third party vendor ) would receive to report to the CRA 's. THE DOCUMENT DOES NOT INCLUDE THE MINIMUM REQUIRED INFORMATION. Therefore, the lien should be removed immediately.
I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a debt.
Hi.I XX/XX/2018 I submitted paperwork, to Experian, from the state 's response of a bankruptcy that was reporting on my credit report on Experian. Experian responded with the information was reported as accurate. I called Experian on XX/XX/2018. The rep I spoke with said " We get our public information from a outside resource ". Under the fair credit act, there is no mention of proper reporting of a bankruptcy. Please investigate this and have removed from our report on Experian. Thanks!
I applied for Navy Federal Credit Union membership over the phone. As part of my application, I was read a credit report disclaimer. When I asked if this would be a hard pull or inquiry on my credit, I was told by the phone representative it would be a soft inquiry. Navy Federal performed a hard inquiry. When I received notice of the inquiry, I called Navy Federal and was told that as part of my application, I was read a disclaimer. I asked the representative to listen to the recording of my call. Upon review of the recording by back office personnel, it was determined that while I was read the disclaimer when I applied, I was also told that the inquiry would be a soft pull. Navy Federal has communicated that they will be suppressing the inquiry from my credit report and at my request, Navy Federal indicated that they will be communicating this to me in writing and that updating this with the credit bureaus can take 30 days.
Did file a dispute with equifax. XXXX believe was confirmation. I disputed XXXX as we agreed the account was settled. They reported paid collection. My credit monitoring showed the item being deleted and then re inserted with different information. The problem is they never notified me within FCRA laws of 5 days. I asked for deletion and they are disputing they said.
After reviewing my credit report I found a collections entry from Stellar Recovery Inc. in the amount of {$340.00}. I have made multiple attempts to contact Stellar Recovery to seek verification for the amount and to settle the debt. I have completed their webform requesting information, and I have tried calling their posted telephone number. The webform submission has not yielded a response and the phone number is directed to an extension with a mailbox that will not accept messages. Stellar Recovery has continued to report to 3rd party credit bureaus that the account is in collections, but have made it impossible to settle the debt. This tactic has a detrimental impact on my credit score and must be corrected.
I check all of my accounts with Citibank every morning. If my checking account is low, then I transfer money from my savings account. Unfortunately, Citibank has a habit of posting ACH debits at the close of the business day ( around XXXXXXXX XXXX  ) rather than first thing in the morning. If my account is overdrawn, then at midnight they will transfer money from XXXX XXXX ( overdraft protection ) into my checking account and charge me {$10.00}. That gives me only seven hours to transfer money from my savings account. 

I have spoken to many representatives and supervisors at Citibank about this issue. They repeatedly tell me that Citibank does not intentionally post ACH debits at the close of each business day. I am told that the ACH debits post at the time that they are presented to the bank and that it just so happens that all of them happen at XXXXXXXX XXXX every day! That's absolutely ridiculous. 

This has cost me many {$10.00} fees, interest on XXXX XXXX ( even though I immediately pay the XXXX XXXX in the morning ). Recently, XXXX XXXX transferred money into my checking account, creating a balance owned in my XXXX XXXX. That same day ( even though I paid it ) Citibank reported that I owed a balance to the credit bureaus and my excellent credit score ( over 800 ) dropped by 20 or 30 points! I was incredulous! 

I believe that Citibank has a practice of posting ACH debits at the end of the business day rather than at the beginning of the business day in an attempt to charge more fees to customers. I believe that this practice is deceitful.
An alleged debt in the amount of {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.
I 've tried to buy tickets online on XXXX XXXX and all transactions came out as declined. When I checked my bank account I realized that XXXX transactions were actually authorized and XXXX dollars were missing from my account. I immediately called the bank to get the transactions reversed, once they were never authorized. Any regular bank would have blocked the second transaction since they were duplicates ( same website, same amount and made with less of a 5 minute interval. ). The bank informed me that they could n't do anything, that those were valid transactions, even though I told them I had the screen shots of the declined transactions. I was advised to call the merchant, who informed me that all the holds were immediately released since there was a mismatch on the address. I called the bank customer service who informed me to do not worry that in 24 hours XXXX XXXX XXXX XXXX the money would 've been credited back to my account. Today, XXXX XXXX the money has n't been credited back to my account and I was informed by the agent that it might still take 1 to 2 business days to have my money back for those declined transactions. I 've asked to speak to a manager or someone who could solve my problem faster, since all the money I had is being hold by the bank but they informed me that nothing could be done on my case.
This debt is very old past 7 years, these companies buy and sell this account and this company keeps on reporting it Midland Funding
XXXX XXXX XXXX hasnt reported my credit card account to equifax and XXXX  its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told XXXX XXXX XXXX that this credit card account belong to me and it only been reported to XXXX  and they refuse to report to other two credit agencies and never heard back from XXXX XXXX  account number ending XXXX and i would need this account to be reported ASAP THANK YOU
CAPTOL 1 TRANFERREDMY LOAN TO XXXX XXXX. THEY INITIAED THE TRANSFER. CHARGED ME {$5500.00} AND XXXX XXXX  CHARGED me XXXX dollars to close the loan I did not request
I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Pursuant to the Fair Debt Collection Practices act there must be a contractual agreement and they have failed to provide this. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
Capital One Auto Finance repossessed a vehicle that was in my possession on or around XX/XX/XXXXin Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to Capital One beginning from date XX/XX/XXXX up until the last letter which was sent XX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of capital one auto finance on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.
Transunion is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX
I requested Discover Card for a Statement in XXXX ( statements sent for people who XXXX ). I thought the American Disabilities Act ( ADA ) required accommodations for the XXXX, but Discover sent me the below response to the request : '' Re : Other Billing Questions [ # XXXX ] " Hello XXXX, Thank you for your message regarding your Discover account. I understand your inquiry for XXXX statements, and I am happy to provide you with additional information today! 

I sincerely apologize as this is not a type of statement that is currently available. We do want to improve and are always looking to do so. Because of this, I will forward your interest in a XXXX statement as feedback to our headquarters that having statements like these available would be helpful. 
Please let me know if you have any additional questions or concerns about your account. 
I appreciate your valued business and the time you have taken to contact me today. Thank you for choosing to use Discover since XX/XX/XXXX! 
Sincerely, XXXXWe appreciate your feedback. Please Click Here to complete a short survey on your customer service experience today. 
DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective XXXX-party owners. 

-- -- -- - Original Message -- -- -- -- Date : XX/XX/XXXX XXXX PMSubject : Re : Other Billing Questions [ # XXXX ] From : XXXXXXXXDate : XX/XX/XXXX XXXX XXXXTo : XXXXXXXXSubject : Other Billing QuestionsFor other Billing and Statements questions, please use the space below : please send me my statements in XXXX as well.
For the second tax cycle since purchasing the house in XXXX 2015, Seneca has failed to fully pay the taxes owed to the XXXX of XXXX XXXX. Please see CFPB Case number : XXXX for additional background. 

In the last cycle, though I contacted them frequently, six months elapsed and the Town threatened to put a lien on the house, sell it, and garnish our wages, in addition to other options. Seneca is now repeating this behavior. I have been calling them since XX/XX/XXXX and have re-provided all types of documentation to help them with their research. But each time I call all I get is a response saying they are still researching. I even provided the name of a contact in the Town 's tax department who would walk them through everything and they failed to contact him for a month. 

I request your assistance in bringing timely resolution to this matter. I am happy to provide additional information, such as account numbers and tax bills, at your request.
In XXXX I entered into a loan agreement whereon the interest was 16 %. Due to the fact that I was a victim of the downfall real estate market - this was the only loan I could obtain. It was essential I hold onto my home. In XXXX I attempted to obtain loan modification which took 3 years to effectuate. Now in my senior years I have attempted 3 times to lower my interest rate to no avail. I live on social security : my mortgage is {$1000.00} ; my coop fee is {$660.00}. ONCE AGAIN XXXX TURNED ME DOWN. XXXX TOLD MY MORTGAGE CO. I HAVE TOO MANY RATIOS. I AM CLOSE TO XXXX ; NOT IN THE BEST OF HEALTH AND I AM SAD THAT THIS COMPANY DOES NOT LIKE SENIORS.
My SSN and potentially other PII such as addresses, credit card # s, drivers license #, etc. were compromised as part of a cybersecurity hack sometime in late XXXX, XXXX ( per Equifax 's website ). 

Equifax itself did not notify the public of this incident ( which is estimated to affect 140+ million people ) until 6 weeks after the attack. I only came to know through indirect channels ( nobody from Equifax contacted me ).
XXXX XXXX XXXX has a balance of {$930.00} dollars showing and I paid them off in XX/XX/2018 2018
XX/XX/XXXX I sent out a notarized packet disputing fraudulent information on my credit report including the police report number used when the report of stolen identity occurred. I sent this packet out to all 3 credit bureaus. XXXX  in compliance removed the fraudulent accounts however XXXX   did not. They also sent no proof that these accounts belong to me. I did not receive any documents with an original signature or I.P address in which any application for credit were processed.
Medical bills for my daughter from XXXX hospital claims have been submitted to my insurance. My insurance company has paid all claims. Suburban Credit Corporation continues to call and berate me regarding this bill. The representative called and yelled at me about this bill today. I spoke with my insurance company and this has been paid.
I submitted a request to look into a delinquency on my report. The information on it was incorrect. That was on XXXX XXXX. It is now XXXX XXXX amd i have not recieved any info on it. Its supposed to be removed from my report after 30 days if i dont get a response.