WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18, someone was able to hack into my computer through remote access, getting through our firewall and passwords and install ransom ware on the network. We now know they were on my computer prior to this date. 
On a Tuesday XX/XX/18 I noticed and reported a fraudulent check for XXXX was sent via Bill-pay out of my account to a person ( XXXX ) in  XXXX, FL. The check was endorsed and deposited on Friday XX/XX/18 into an account at XXXX XXXX in Florida. I never used the Bill-pay service or set it up, but the on-line criminal was able to set all of this up. 
On the same day XX/XX/18, a second fraudulent check for XXXX was issued by TD Bank to the same individual who received it and endorsed it on XX/XX/18. This 2nd check was overdrawn on the account by {$10000.00}, since the 1st check cashed on the XXXX, yet TD still sent out this second check. It was presented at XXXX XXXX and was not cashed as the account was locked on XX/XX/18 after the fraud activity was reported. The fact that this check was written and sent when there was insufficient funds in the account is one of many issues that does not make any sense. 
I learned that this on-line thief set up a new profile within the bank as me. Then they linked a couple of my accounts to this new profile. Absolutely no security was in place that could allow this to happen. I never received any notifications that I was changing user name or passwords. No notifications of setting up Bill-pay service or a new Payee. Never received notifications for anything. 
The issue was reported to the local police, Detective XXXX of XXXX Police. 
When this was discovered and reported, bank personnel explained the process of reporting the fraud and it can take 10 days to get you money returned. 
On XX/XX/18 I was told that this will take up to 90 days and that I would hopefully get back any money still left in the account in Florida. I was told to sit and be patient. 
Today I received a call and learned that I was only going to get back XXXX of the XXXX stolen. This is totally unacceptable to me. This is a real lot of money that I borrowed from TD and still paying interest on today. 
TD Bank was negligent in protecting my money. A cyber intruder was allowed to setup a new profile, link my bank accounts on the phone or online? From experience, I would be required to go to a branch, provide my license, just to start the conversations. Changing Profile and password is a big deal anywhere in today 's world. After five weeks, I am given nothing that would indicate that they TD followed proper  security procedures and protocol. 
TD Fraud was notified on XX/XX/18 and did not contact XXXX  XXXX for weeks. I do not know the exact date but it took way too long when pursuing issues where time is of the essence. A more reasonable reaction may have recovered all of the money.
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According tot he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
By XX/XX/XXXX, I had XXXX student loans that amounted to {$30000.00}. XXXX serviced the loan. I was a single mother and was n't gainfully employed but made {$50.00} payments in the loans. The interest rates in Pell grant 3 %, Perkins 5 %, stafford 5-8 %, supplemental student loan 12 %, and the interest rates continued to accumulate regardless of hardship or in school deferments. My loans accumulated interest for a total of $ XXXX in XX/XX/XXXX. I had been working with several agencies to try and get loan forgiveness or interest reduction. I consolidated the loan and made payments but the interest continued. I got a XXXX degree in XX/XX/XXXX and an XXXX in XX/XX/XXXX, which I paid for out of pocket and w employer reimbursement. 
I made payments at a reduced rate bc payments were {$900.00}. 
In XX/XX/XXXX, the management of the loans went from direct student loans to mygreatlakes.org. The manner this was managed was n't transparent and the agency is out to make money. In fact in the past year I received an email saying in the transition of the loan there was an error and they needed to add {$240.00} to my balance. how is that possible? Then, they added {$5.00} in my monthly payment and changed my due date without informing me and created NSF charges in my checking account. When I contacted them they seemed not to think it was a problem. When I make additional payments or try to pay to principal only they say they ca n't do that. They are n't applying payments consistently sometimes literally they apply most of the payment to interest only. This is wrong! It is like a loan shark situation. 
I completed the public service forgiveness app which has to be filed through your loan service agency and I met all the requirements having worked in non profit for nearly 6 years. But it took place before XX/XX/XXXX, and therefore I was disqualified. I should be contributing to my retirement instead of this. 
Help! 
I have confronted their questionable accounting etc but the government handed these loans over to this agency w a poor customer service reputation and they are living up to that reputation from my experience.
XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   I Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry    XXXX   XXXX   XXXX     XXXX   Inquiry    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX   XXXX   Inquiry     XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   i asked for the inquiries to be removed after they removed them last year but then added them back on again, causing my  credit score  to suffer.
On or about XXXX XXXX XXXX, my daughter submitted a loan application with Sallie Mae in the amount of $ XXXX to cover the school expenses for her trade school ( XXXX XXXX - XXXX ) that were not otherwise covered through FAFSA. On that same date, I co-sign the loan application and it was submitted back to Sallie Mae for processing. 

On XXXX XXXX XXXX, my daughter contacted Sallie Mae and found that her loan application was denied on the basis of the co-signer denial. I went out to the Sallie Mae site and saw the denial without explanation ; so, as instructed by their site, I contacted their Customer Service department ( XXXX XXXX ) and spoke with " XXXX ''. He confirmed the status of the loan application denial, but could not provide an explanation because their " process '' does not allow their Customer Service personnel from viewing said information ( Oddity # 1 ). He did put in a request through their automated system to generate an explanation letter and that I would see it within 24-48 hours. 

On XXXX XXXX XXXX, I was notified via email that the loan denial explanation was out on the Sallie Mae site in my account ( I have a previous relationship with them due to co-signing student loans for my son ). I download the explanation letter and it was the standard boiler plate denial letter without a clear reason for denial ... just listed the potential reasons. Since my credit standing is very good at this point, even better than it was when I co-signed loans with them for my son, I was very confused ; so, as instructed in their letter, I contacted their Customer Service department again. Again, the Customer Service representative could not help me, so she patched me through to the Originator Department and I spoke with " XXXX ''. XXXX reviewed the account information ; and, as it was with the Customer Service personnel, he was unable to view the actual reason for the denial and stated that this was the process and policy per their Corporate Headquarters. He did submit a request for a full explanation letter to be sent to me via snail mail and that I would see it within the next 30 days. The problem is that my daughter 's school begins in less than 60 days and I explained I could not wait that long, but he said their was no one else he could refer me to expedite the help request. 

I believe the only reason that is causing the hiccup with this loan application is the outstanding $ XXXX in loans I 've co-sign for my son with Sallie Mae, but none of them are delinquent. I state this because my credit is very good, I have no delinquencies and I have a decent income ( $ XXXX ), plus I 'm a veteran and still currently employed by the XXXX XXXX XXXX ( 20 years XXXX XXXX, 16 years XXXX ). 

My daughter will be resubmitting her applicable using her grandfather and/or aunt to co-sign for her and those should go through with ease, but I am not satisfied with the multiple layered bureaucracy and the fact that XXXX and XXXX XXXX representatives of Sallie Mae can not assist a customer with a simple task, especially one that could possibly be resolved over the phone. 

Sketchy business practices to say the least. Please look into this matter for me.
There's been an error on the part of CHASE into my HELOC that has caused me tremendous grief and being on the phone for over three months. They are snarky and just awful -- which is the way people behave when they hold all the cards and there is no one minding the store. This behavior is abusive!!!
RE : Complaint # XXXX filed with CFPB on XX/XX/2017. 

CFPB closed my complaint in error after receiving a response from Wells Fargo in error. The response provided by Wells Fargo only provided information regarding the terms of the HELOC. The concerns provided in my complaint were not addressed. 

The subject of my complaint were not addressed in their response. My complaint referred to payment installments of XX/XX/XXXX and XX/XX/2017 where the entire payment was only applied to principal. In reprocessing these payments, serious errors occurred and they said the XX/XX/XXXX payment was pass due by 23 days and that the XX/XX/XXXX payment was still due. Wells Fargo also notified the credit bureaus of the past due amount. Refer to the information initially provided in this complaint. 

Please either reopen the original complaint ( above number ) or open a new complaint to address the errors and issues by Wells Fargo that were never addressed in their response.
I, XXXX XXXX requested an itemized statement XX/XX/XXXX in my initial complaint. 

This request was made due to previous notice ( s ) sent by Habitat for Humanity affiliate office XXXX XXXX County. 

I would like to clarify my request : I, XXXX XXXX would like an itemized statement for my mortgage account. This statement would include all deposits, credits, debts and fees assessed to my account. This statement would include all payments made in chronological order. This statement would have a balance ending in the current actual balance of the account as it is to date. I would also like to clarify my request to include all payments made from my escrow account disbursement. 

On the document received dated XX/XX/XXXX payments made are incorrect, notably payments made during XX/XX/XXXX through XX/XX/XXXX. All payments made from XX/XX/XXXX to date have been made by check form whether cashiers or personal minus payment for XX/XX/XXXX. 

I do not see the deductions from Taxes or insurance. The escrow disbursement history shows only HOA payments. 

I would also like to state that I XXXX XXXX have fully and abundantly exercised all contact methods with Habitat for Humanity International, its affiliate office XXXX XXXX County, and their Legal Representative in the matters of my account prior to my initial complaint XX/XX/XXXX.
IC Systems is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.
I owed {$590.00} was not behind in payments and they charged me {$88.00} in fees on top of the XXXX. So I ended up paying XXXX. 

Why am I paying XXXX in fees and the next payment was not due until XX/XX/18. 

I would never borrow or recommend this company with all the hidden fees.
I have repeatedly asked XXXX Experian and XXXX to investigate my discharged account with XXXX Bank and update its reporting to show discharged in bankruptcy.I have disputed online and by mail and they have verified and changed nothing.My bankruptcy filing and discharge is on all XXXX credit reports and i have sent and uploaded my schedules.Recently since my disputing has increased XXXX is updating my account more frequently and driving down my credit score.On XXXX XXXX i received an update on my Experian report stating discharged in bankruptcy then on XXXX XXXX they reverted back to previous reporting.
In XXXX of this year I went to XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio and borrowed {$1000.00}. It was a payday loan to be paid back in four installments for four months from monthly social security checks. The first payment due was approximately {$370.00} but I paid {$600.00}. After the payment was made I was given a receipt that said I owed {$770.00} as a new amount financed and {$290.00} as a fee amount for a total of {$1000.00}. 

I had intentions of paying this off in two months. They are now telling me if I pay the finance fee only, I will keep getting the same finance fee. To end this they are telling me I have to pay the {$1000.00} with my social security check in XXXX. 

How is it legal for them to charge me {$75.00} more than what I borrowed after I have paid them {$600.00}. 

I have called the office and the corporate office only to be told the same payoff information from everyone I have spoken with. My last contact 's name is XXXX and his phone number is XXXX. He said he received his information from the corporate office. 


I have tried getting all my paperwork but I keep getting told different places to contact for it and when I do they say it is not their department.
On XX/XX/XXXX, I received a letter from IQ Data International, advising me I owed a debt of {$13000.00} - related to a personal guaranty I signed on a lease for a business. This corporation ceased operations in XX/XX/XXXX. 

On XX/XX/XXXX, I faxed a note to IQ Data, advising them of the Release of XXXX, signed XX/XX/XXXX - and included the First Amendment to the Lease - highlighting the sections where my personal XXXX was released. 

On XX/XX/XXXX, IQ Data continued to pursue me for this debt that I had demonstrated I had no guaranty for - and I faxed a Cease and Desist notice to them. They have abided by the Desist letter - except for fraudulently reporting this debt as a derogatory remark to XXXX. 

On XX/XX/XXXX, I noticed the derogatory remark on my personal Credit report and faxed a letter to XXXX asking they remove it. I included the information provided to IQ data, and the First Ammendment to the Lease removing the personal Guaranty.

On XX/XX/XXXX, It seemed XXXX hadn't removed the derogatory remark - so I faxed a followup, this time including a XXXX County Court result - showing that in XX/XX/XXXX, the original ebt holder tried to sue me for these debts - and the Court found the case was non-suited ( i.e. it was unfounded and thrown out ). I hoped with this court result would assist XXXX  in correcting their error and removing the derogatory remark. ( Court Case Number : XXXX ) By XX/XX/XXXX, neither IQ data nor XXXX  had responded or changed their derogatory remarks, so I had a lawyer send a letter of demand to IQ data to remove the derogatory remark. 

It has been 10 days since that letter was sent, and no response has been received from IQ Data.
I was talked into taking out XXXX loans to attend XXXX ( a XXXX XXXX  campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX XXXX who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX
I am one of many affected by the PayPal Bill me later scandal in which it forced me to open a line of credit without my permission or consent. It forces you to think you are verifying your account rather than opening something new. I 'm curious how to receive compensation for this error and loss of time and finances. Hoping the consent order filed today is approved.
I use XXXX XXXX, which helps me get some money from my next paycheck as I earn it because bills do n't necessarily fall perfectly around my pay schedule. I live paycheck to paycheck as it is. But PNC bank barely reports my account information on a weekly basis. They 're supposed to do it as requested, and I 've authorized them a bunch of times already. They do this with the bill paying app I use, too. This causes my balances to be always wrong and throws off everything.
Hi. I returned all the cable XXXX equipment to time XXXX including the box and remote and they said that I did n't. I havnt had cable for about 5 years or so. They then got a collection agency to try to collect it. It 's unfair and I think it must be because the data entered At the store was n't recorded or was wrong.
As a right I have under the Fair Credit Reporting Act, I 've been writing Experian who is reporting a false debts on my credit report that is severely affecting my credit worthiness. I have written them on ( XXXX ) Different occasions over the span of ( 3 ) months asking them to Validate the Debt as required by law and being that they remain on my credit report without Validation and not providing me with my requested Signed Document or Contract they are in violation of 15 U.S.C. 1681. Furthermore, they have ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means they have NOT Validate or can not validate any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The accounts being reported by them in question are : - XXXX : {$21000.00}. Again the law states that the burden of proof is on them, I ca n't possibly provide information on accounts I have no knowledge of and they are violating my rights and effecting my life by falsely reporting this information.
Attached are my communication attempts ( letters and Certified Mail Receipts over a 3 month period ).
In late XXXX I noticed a debt collection on my credit report from AD ASTRA RECOVERY. When contacted to inquire about this unfamiliar account I was told it was for a payday in the state of Alabama. I have not lived in this state in nearly 10 years and assume this is an account opened that I did not authorize. I have been working diligently for the past 3 years to get this removed from my credit report as it is hindering my home buying process.
I told Wells Fargo these transactions was n't me and someone took XXXX Out my account I made a fraud claim n you denied it and it s unfair and ca n't afford this. I should be protect by the bank n the insurance .. this bank is no good
On XX/XX/XXXX I recieved a collection notice in the amount of {$47.00} from the Law Office of Gregory Hagan which he claims I owe to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent out a letter of dispute and debt verification to his office via certified mail. Attorney Hagan received my letter and personally signed for it on the green form which I recieved back in the mail on XX/XX/XXXX. After never receiving any form of validation from Attorney Hagan I then recieved a 2nd collection letter 0n XX/XX/XXXX stating that I ignored his first letter and this will not be tolerated. He also stated that if legal action becomes necessary I will have to pay court costs and legal fees. I called Attorney Hagans office on XX/XX/XXXX and XX/XX/XXXX to speak with him and continue to recieve voicemail. His office called and left me a voice mail as well after my first attempt in contacting him. I have spoke with a local FDCPA Attorney on this matter and was told that Attorney Hagan violated FDCPA law by continuing to collect wothout validating the debt and by writing misleading and untrue information in his 2nd letter since I clearly contacted him and didnot ignore his 1st letter.
Since 2010, I have been completely unable to complete a file for income based repayment. They would either 'lose ' my application, which at first was only able to be submitted via mail, and force me to resubmit, I 've done this plenty of times a year since 2010 and checked up on it but every time they forced me to accept deferment so I would n't pay but interest would still incur. They refused to acknowledge that I 've applied for IBR at any point in the last -7 years- and kept forcing me to defer. Even when I was able to put the application through online, there has been -no- action on it besides " Submitted '' even after sending in my IRS return as proof.