WillisBack/dataset-financial-user-claim huggingface dataset:
I had  XXXX  store credit cards with Synchrony Ban k Walmart and Sam 's Club st ore cards. Then in late  XXXX  early  XXXX    XXXX   my  XXXX  cards were blocked because o f Fraud is what I was told. The fraud was that there were several accounts opened up in my name within a short amount of time all with Synchrony Bank. These accounts were fraudulent as I did n't authorize this. So instead of just closing those accounts they blocked the accounts that were mine Walmart and Sam 's Club and sent me a report to fill out wanting my tax documentation and I refused to do so because that was n't the  issue. So I had to close my  XXXX  cards along with the fraudulent accounts. I hav e since received four letters  from Synchrony which is attached stating that those  XXXX  accounts that were opened was fraudulent because I sent an FTC Affidavit and Police report. Now, my issue is why did n't they re-ope n the Walmart Store card and the Sam 's Club Store card which was blocked because of all this mess an d was my accounts.
On XX/XX/XXXX American Express Bluebird was doing systen updates and having trouble which I was unaware of at the time. During these system updates/failures I tried using my Bluebird debit card at a store, my transaction declined and I was unable to get my merchandise. Confused, because I knew I had plenty of money I tried signing onto the app, the app was down. Next ( within mins of leaving said store ) I went to an ATM to withdraw money, I tried to withdraw {$300.00} but was told I had insufficient funds and could not do so. About a half hour after this hsppened I was finally able to get online and check my balance and transactions. Thats when I realized I was charged for the store transaction as well as the ATM Transaction. I called the bank and was told It happened to msny people not just me but that I would have to dispute those charges. It has now been 3 days later and I can not get them to send me the proper paperwork to have the issue fixed. Ive had to ask twice to have them send it to the correct email!
IM TRYING TO MAKE PAYMENTS FOR THE LAST TWO WEEKS BECAUSE I WAN NA FIX MY CREDIT BUT NO BODY ANSWER OR CALL ME BACK, WENT I TRY TO MAKE A PAYMENT THRU THE INTERNET THEY ASK ME FOR AN ID WICH I DONT HAVE THAT AND IM NOT ABLE TO MAKE THE PAYMENT OR DO A PAYMENT PLAN I WILL LIKE TO PAY THE DEBT OR MAKE A PAYMENT PLAN.
XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/XXXX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT XXXX XXXX XXXX   HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE
I deposited a check in my Wells Fargo checking account on XXXX XXXX. The check came from my checking account at XXXX. After completing the deposit, I received a message from Wells Fargo that XXXX funds would be held for up to 10 days. The funds were withdrawn from my XXXX account on XXXX XXXX. 

There is no reason for Wells Fargo to hold on my money for so long. This will probably trigger some additional overdrawn fees on my account. I was going to pay down my credit card balance. I was going to pay several bills, but this delay to access my funds means more late charges. 

I would like Wells Fargo to release my funds to me immediately.
Refer to my complaint number XXXX. 

Reason I am sending this contact, and I ca n't determine what my password is so did not contact using that, is that Lending Club will utilize the delay, caused by their refusal to take my payments and insistence that we essentially set up a dishonest representation for their record as to call in payments being purportedly efforts by them to collect on a debt when they are in fact efforts by me to make regular monthly payments, as an excuse to bill me a late fee. So this delay caused by them is to enable them to bill a late fee. Please keep that in mind in addressing this.
I reported a {$600.00} charge originally placed on my card XX/XX/XXXX as fraudulent back in XXXX. Chase Card Services removed the charge, cancelled my card, and issued me a new one. Later, they re-posted the {$600.00} to my account saying it was not fraudulent because there was a tracking number associated with the charge. I looked up the tracking number they gave me and realized it was an unsolicited piece of certified mail which I had received and signed for because I was curious what someone had paid to send to me. It was a normal piece of printer paper with a black and white picture of a tiger ( I took a picture of it but recycled it because it didn't seem important ). The certified mail had a return address in XXXX and said " XXXX  XXXX, XXXX '' but the tracking number indicated it was sent from XXXX, Arizona. I XXXX the XXXX address and it was an apartment building. XXXX XXXX XXXX does not appear to be a real company. The charge was through XXXX to someone named XXXX. XXXX doesn't have contact information for this person. Chase gave me an email address of XXXX. This does not appear to be a real person. USPS doesn't have sender information. I appealed the appeal to Chase and they continue to hold me liable for the charge.
I started receiving phone calls from GB Collects stating I owed a debt from XXXX XXXX in an amount of XXXX which was not true after that phone call I received a letter to answer to the debt and I did so I sent them a certified letter asking them to send me a contract with all complete documents and my signature On XX/XX/2018 which they fail to do so I sent them a letter stating this According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on my credit report. Otherwise, fraudulent account. That is reported company will be talking to court you have 30 days from the date listed above to send contract in full are I will see you in court I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts. Your failure to positively verify the accounts has hurt my ability to obtain credit. the company sent me document of my name on somebody else bank account I really don, t think that is okay and action need to be taken on GB Collects
A debit collection company called " XXXX XXXX XXXX '' is reporting to my Equifax Credit report for a debit. They are claiming that this debit is from a hospital bill from XX/XX/XXXX and became delinquent in an or " opened '' in XX/XX/XXXX. They are telling me it will remain on my Equifax report until XX/XX/XXXX. This account is actually from XX/XX/XXXX and became delinquent in XX/XX/XXXX. This has been on my report for over 8 years any should have already been removed. I have contacted Equifax by phone, email, and US post office 7 times. They will not help and XXXX XXXX keeps reporting in Accurate information to them. Please help. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
To whom it may concern, I am writing this about a check transaction I have had between XXXX and Chase bank. I currently have a saving and checking account at XXXX and in XX/XX/2017, I went to open a saving and checking account at Chase ( XXXX branch ). At the branch, I wrote a check to myself ( From XXXX Account # XXXX ) to myself at Chase ( Account # XXXX ) in the amount of {$1000.00}. The rep told me to use the mobile app to deposit the check and kept the physical check. I did the online deposit at the branch but later on the physical check got lost/stolen. The electronic check was deposited to chase on XX/XX/2017 and cleared from XXXX, there was only one transaction going out of my XXXX account on XX/XX/2017 for {$1000.00} and the same day Chase received the fund. On XX/XX/2017, Chase deducted {$1000.00} from my saving account stating the check has been processed more than once. I called Chase multiple times and was told the physical check was presented at another bank, which they would n't tell me the info and the physical check superseded the electronic check so Chase debited my account to cancel the deposit and told me to contact XXXX. I reached out to XXXX but was told the check was cleared only once to Chase on XX/XX/2017 and they had no record showing the same check got deposited the second time. I called Chase again and after a few hours and several agents, they told me the check was with Federal Reserve and asked me to call Federal Reserve and that is all the information they have. I called Federal Reserve on XX/XX/2017 and was told that they do n't work with individual customers, either XXXX or Chase need to reach out to Federal Reserve to investigate. I went back to both XXXX and Chase and both banks told me there is nothing they can do and they would n't reach out to Federal Reserve. So as of now, the {$1000.00} was taken out of my Chase account but was n't returned to XXXX account and I do n't know where the money went and who has it now. Neither bank would work with me any further and told me to go to the other bank instead. I was advised by an agent at Federal Reserve to file a complaint so this can be investigated. I attached the copy of the check, transaction summary from both bank accounts and the statement. Hope this helps and please let me know if there is further information I can provide.
I sent an electronic payment on XX/XX/2018 in the amount of {$450.00} and the servicing company said they never received the payment. My bank verified that the company did in fact, received and deposited the payment into their bank account. However, they never reflex the payment as received or updated the dates on my account. I have sent letters from my bank, and proof of transactions made, and I have contacted the company almost everyday and I am still waiting for them to respond and make the necessary changes to my account.
After looking at my credit report I saw this company, IQ Data had reported a collection account on my file. Knowing each company is to be bonded, I searched the Texas Secretary of State 's website and saw that their bond expired about 2 years ago. I wrote to them stating they are not operating their business legally and to cease collection as well as remove the item from my report. Despite me pointing this out to them they responded with a bill and has still yet to get a bond to try and collect the alleged debt.
I 'm an XXXX Graduate from XXXX XXXX XXXX, and financed my education through a loan offered by XXXX. The loan repayment began on XXXX XXXX and I 've been paying timely on a monthly basis. Since XX/XX/XXXX, XXXX let me know that it was possible for international graduates to pay through XXXX using foreign credit cards. I used that alternative, with my XXXX XXXX, since it was available until XX/XX/XXXX, when XXXX decided to transfer our loans to XXXX XXXX. XXXX XXXX  did n't have the XXXX alternative, but they would receive my XXXX XXXX number over the phone and process my payment since XX/XX/XXXX until XX/XX/XXXX. Recently, when I tried to pay my loan due on the XX/XX/XXXX, the representative told me that " credit card companies would not allow paying debt with credit cards any more, so they could n't process my payment over the phone, but I could use XXXX to pay with my foreign credit card ''. I logged into XXXX and they are basically charging a fee in order to process my payment ( that fee accounts to almost a 5 % of the amount due ). Unilaterally XXXX XXXX  eliminated an affordable option for international students to be able to pay for their student loans, sending us a to another agent who will charge us roughly 5 %. My loan rate is about 5 % yearly and by forcing me to pay through XXXX, XXXX XXXX is practically doubling the interest rate on my loan. First of all, I would like to know if it is true that credit cards companies wont allow debt payments to be cancelled with a credit card as I think something like that would have been widely commented and I couldnt find a single article. Second, I would like to know if it is legal for Firstmark Services to unilaterally select a payment method that represents an indirect +2x increase of my interest rate. And third, what are my rights as a consumer residing outside of the US.
Portfolio Recovery continues to call me at home, work, and on my cell. They are calling about 25 times a day from random numbers. The company is already in trouble for their collection practices. I would like to join the lawsuit against them. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Portfolio Recovery asking them to provide me with data to prove that this is my account. I have asked them to provide the following : Competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay you what you say I owe. 
Identify the original creditor with name and address. 
Prove the Statute of Limitations has not expired on this account. 

The only proof they have sent are credit card statements from years ago. Portfolio Recovery bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You
In the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently this past XX/XX/XXXX, I wrote to TransUnion ( Credit Reporting Agency ) XXXX. XXXX XXXX XXXX, PA XXXX requesting a copy of what they have listed under my social security number along with my name, social security number and address. On each occasion TransUnion has responded by denying me a copy of my credit report. TransUnion further exasperates the problem by asking me for the following : My Drivers License, State I.D, Bank Statements, and several other pieces of pertinent personal information. My complaint as a United States citizen, is that TransUnion 's procedures and practices are illegal because they sell your information without ones permission. The practice of obtaining ones information for the purpose of sale needs to be investigated by not only the CFPB by the agencies that placed XXXX ( another credit reporting agency ) under the microscope. By refusing to send me my credit report, I am being adversely affected by the fact that TransUnion is only requesting my exclusive personal information solely for the purpose of selling it to gain financial wealth. THAT SHOULD BE ILLEGAL IF IT'S NOT ALREADY!!! I have been denied credit on each occasion that I have written and requested a copy of my credit report from TransUnion. 
TransUnion after refusing to send me a copy of my credit report, request that I send them money to address the matter and ultimately offers to monitor ones credit at a fee. TransUnion needs to be investigated by each any every institution that governs consumer reporting agencies. TransUnion is a fraud and their only purpose is to extract money from consumers with the promise of protecting them. TransUnion IS A SCAM!!! 
Funny, I received my credit report from the other credit reporting agencies without dividing up massive personal information. The bottom line is, if one has been denied credit because of what is on their credit report, how are they to address the problem when they can not obtain a copy of their credit report unless they abide by the scam ways used as a catalyst to get and sell information of consumers by TransUnion. What federal agencies can we contact to address this huge problem of having to jump through hoops, pay money and be denied a copy of ones credit report. Also, TransUnion in order to scam people will not allow any human to respond but rather a computer. They are full of it!!! My first challenge for the CFPB is to see if you can reach any of the scam artist via a live person. Next I would ask that you forward this letter the the XXXX XXXX XXXX in the state of PA where these scam artist are located. Then I am asking that the CFPB deliver a copy my letter and concerns to the XXXX XXXX XXXX, Federal Trade Commission, Federal Deposit Insurance Corporation, Federal Institutions Examination Council ( division in PA ), Federal Board of governors ( for the state of PA ), National Credit Union Administration and lastly to the Financial Stability Oversight Council for the purposes of investigation. I appreciate your attention to this matter as I am XXXX XXXX percent XXXX and my credit is everything to me.
yes i lost over internet scam inhertance fraud XXXX and XXXX XXXX over amount was {$40000.00} keep telling me a relative of my last name.
I requested a balance transfer with XXXX Credit Card at Comenity Bank which was never completed. They billed me for the {$1000.00} balance transfer amount plus the fee of {$10.00} but it was never received by XXXX XXXX. Because it did n't make it, I was charged {$20.00} in interest at XXXX XXXX. XXXX Credit Card is refusing to help with the matter. They owe me a credit to my account of {$1000.00}.
Contacted Navient on XX/XX/17 for justification for monthly interest rate increases on variable rate private student loans ( XXXX XXXX XXXX XXXX XXXX ). The customer service representative claimed that the US LIBOR rate has increased for the last 6 months ( XX/XX/XXXX-XX/XX/XXXX 2017 ) and this resulted in increases in the rate. This information is inaccurate. The USD LIBOR rate has not increased every month of this year. Additionally, other instances when the LIBOR rate has changed ( increased or decreased ) the interest rate of the loans has not changed accordingly. These interest rate increases have corresponded with paying additional money towards the principle each month and is suspicious. Further, as soon as these loans were placed in auto debit ( and therefore eligible for a 0.25 % interest rate deduction ) the following month the interest rate was raised to match that 0.25 % decrease.
EZ Money Loans had a person by the name of XXXX XXXX call my wifes phone. Said he was a state attorney for XXXX XXXX texas. i called the XXXX XXXX district attorney and asked if he worked for them as a state attorney and he does not. he said there are XXXX felony charges being pushed against me and also a failure to appear. said i would be expedited from my home to texas and imprisoned. this person was trying to extort money from me off a payday loan in which i lost my job and could not pay it back. the loan was taken out when my account was active and working. he said their company tried XXXX times to charge the account and it was sent back as insufficient funds and the XXXX time it was sent back because the bank closed the account. he threatened my pregnant wife to have me pulled from my home and put in prison over a {$600.00} payday loan from XXXX 2013.
After Santander bank filed for petition to foreclose my house, I received a call from XXXX that assured me that they can modify my loan and charged me around {$4000.00}. 
Now I have a notice of foreclosure in my hands. Santander is playing games by asking to supply them by some minor information or more recent pay stubs, by the time they receive the info they trash the whole stack of papers that I already sent by saying it has been over 2 months. 
They did this to me, also to XXXX twice
i ( XXXX XXXX ) recieved a letter from XXXX XXXX XXXX XXXX telling me to make a payment of {$1200.00} for a debt that they bought from XXXX XXXX XXXX XXXX. But as i explained to XXXX XXXX XXXX XXXX that i never took anything worth that in no service. What service i did recieve from XXXX XXXX XXXX was paid for in full. i asked to submit any proof of any agreement that i have sign and non is provided but yet XXXX XXXX XXXX XXXX submitted this claim to XXXX without proof and XXXX put it in my credit report without any questions. 
i would like for your office to investigate this matter in a neutrel party please.
This is about BestBuy/ Citibank credit card. Here are the facts : 1. I made a purchase of {$2000.00} in XX/XX/XXXX that had 'no interest promotion ' for 18 months. The promotion ended in XX/XX/XXXX. 
2. In XX/XX/XXXX, I was charged {$1000.00} as deferred interest since the balance on 'no interest promotion ' was not paid in full. 
3. Between XX/XX/XXXX and XX/XX/XXXX, I made a total payment of {$4300.00} but these were not applied towards my 'no interest promotion ' but on my revolving credit. 
4. As a customer, I have right to decide whether my monthly payment should be applied toward revolving credit or free promotion. However, for some strange reasons, BestBuy/ Citibank website does not allow you to exercise this option online. 
5. As a result, being an online customer, I do not have this option to decide how my payment should be split and applied to what balance. The website also does not provide any information on how my monthly payment is going to be applied ( i.e. to what balance ). I think this is totally unfair and non-transparent way of conducting business. 
6. It is also worthwhile to mention that deferred interest is then applied to your regular balance and the customer then has to pay interest on deferred interest which is again completely unfair.
In XX/XX/2017 I contacted XXXX XXXX XXXX XXXX via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. 

The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.
XX/XX/2015 I applied for an American Express Charge card as well as a credit card. I received both. I was making payments on time and never fell behind. In XX/XX/XXXX/XX/XX/2015 I was having difficulties paying the balance on the Charge card as I was in the middle of closing my store and trying to re-open in a new location. I had called to make payment arrangements and was able to meet them and if not I had called in to let them know that I would be making the payment on a particular day. XX/XX/2015 I had an arrangement to pay the balance of around XXXX to make my card current. I had made the payment and called in to see if it was received. I then was told I had to call an agency as it was transferred to them. I called the agency to find out what was going on as I did n't understand why as I never got a phone call or letter. The payment was received within a day or two of them transferring my account to cancellation and this agency. I now have a closed by credit grantor on my account. I tried calling AMEX to talk to someone about this and no one would help. My other card that is current and had no lates is now being closed and going to an agency.