WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I sent a wire for XXXX XXXX from my Wells Fargo bank in Georgia ref. numberXXXX to an agent who worked for XXXX XXXX XXXX who were sending a consignment ( to one XXXX XXXX ) from out of the country. The agents name was foreign sounding XXXX XXXX and I knew nothing about him except that I was to go through him for XXXX XXXX to get his consignment so XXXX XXXX could pay me back the previous loans he had gotten from me. The day the wire was sent it was confiscated by US Treasury Dept. specially the OFAC ( a terrorist division ). They have held the money since then. They demanded to know XXXX XXXX 's passport, id, etc on this man I was told worked for XXXX. I could tell them nothing. I have been making huge payments per mo. on this loan account numberXXXX of {$720.00}. and still owe over $ 30k. My bank told me I would get the money back with interest but it has not happened. They tell me they can not help me any further. I have written 6 letters and made calls to the XXXX but they do not respond. I need my money back so I can pay off this loan. Also XXXX XXXX has disappeared into the ether and I realize he has been using me in all this via a romance scam on the internet. 

I am a retired XXXX yr. old woman with a small pension and can not afford a lawyer. I need someone to intervene for me. Please please help me. My cell is XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I have filed a sherriff report with my county. about XXXX XXXX.
I had a NFCU credit card and loan and my husband had a XXXX and we fell behind on hard times unable to make payments, I tried to make payment arrangements but they were bullies and would not work with us. So we had to steal from peter to pay for paul and it was very tough. They had no compassion and I think it was unfair practices.
Two inquiries from XXXX, XXXX XXXX and XXXX, showed up on my Equifax credit report on XX/XX/XXXX18 and XX/XX/XXXX18, I have not requested credit from this company.
I had tickets for an event which happened on XX/XX/2017, two days before my XXXX family members became sick and were not able to travel and attend that event. I have submitted a claim for {$970.00} under my Citi Card Benefits and it was assigned the Request # XXXX on XX/XX/2017. I have provided all requested documentation to support my claim, including doctor notes. I have contacted the Citi Benefits about this claim 4 times, and every time they made me resubmit the same documents all over again. Last time the Citi CSR requested a proof of tickets cancellation, which can not be possibly obtained since those tickets were non-refundable and non-returnable, therefore no a way to get any cancellation proof.
I have been the victim of on gioing ID THEFT and have fraud items reporting on my credit report, I have enclosed supporting documents supporting this. Please remove the listed fraud items on the documents thank you Please correct my address to  XXXX  LA  XXXX   XXXX   XXXX  LA  XXXX
I was a victim of Identity theft and someone used my information at an ER in XXXX  XXXX Oklahoma. I got in touch with the hospital and the person showed no ID and left against medical advice. I have provided all information requested by XXXX to have this removed as Fraud and requested a follow up of the removal over 30 days ago with no response, I would like this removed as it has a negative effect on my credit and is not a valid debt
My private student loan is handled by Navient. My payment for this loan is {$82.00} per month and is due on the XXXX of each month. For well over a year now I have been making an increased payment of {$120.00} a month, but the loan is still earning interest in between that time. I sent an email to Navient regarding the same and received the following response : Dear XXXX, Thank you for your inquiry and for your business with Navient. 

Interest accrues daily based upon your principal balance and interest rate. When your balance is higher, you? re accruing more interest. As your balance decreases, you? ll accrue less. 

The number of days between payments determines the amount applied to interest from each payment. All payments are first applied to outstanding late fees ( if any ) and accrued interest. Whatever remains is applied to principal. 

In order to maximize the payments that you send, it? s a good idea to send them regularly - meaning every 30 days or so. If you let too much time pass before sending a payment, more interest will accrue. 

When you make a payment that is greater than your monthly payment amount, the payment is credited first to satisfy your current and any outstanding payments due. Any additional amount is applied toward future payments. 

If the additional amount is enough to satisfy a full future payment, your next billing statement will reflect {$0.00} Current Monthly Payment Amount Due. If the additional amount only partially satisfies a future installment, your Current Monthly Payment Amount Due will be a portion of your monthly installment amount. 

If you receive a bill for {$0.00} amount due, you may continue to make payments since interest will continue to accrue on your outstanding principal balance. 

If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX., and Friday XXXX to 8:00 p.m., ET. 

Sincerely, XXXX, Your Navient Email Representative Navient says in its response that if I make payments every 30 days, the loan will " accrue no interest. '' See above response. Please help me find out what is going on. Thank you.
Equifax stored my personal information as plain text, and then released it to hackers, sold their stocks, and then announced the news.
I paid my final bill to Citibank for credit card debt that they claim was received two days late. I claim it was not. In any case, they have been charging me {$35.00} a month plus interest and the total debt now is {$150.00} and I tried to speak rationally with them and they would not have it.
I have contacted Telerecovery many times informing them that this debt do not belong to me. I have sent them a letter as recent as  XXXX   XXXX ,  2017  and I still have not received a response from them. I have asked that they send me proof of this debt that shows my signature and I have not received anything from Telerecovery. I need your assistance in getting this matter resolved and this account removed from my credit file.
XX/XX/2016, my bank started a real time account record. Meaning that purchases and transfers etc would be done in the order they are made. No problem. Overdraft charges were not mentioned in this change. I had accidentally overdrawn a couple times after the new policy and within the hour of the overage happening I covered it and did n't get a fee. Between XX/XX/XXXX and the XX/XX/XXXX my brother was dating an employee of the bank. They broke up and they have a legal issue pending between them. Her friends at the bank make us both feel uncomfortable with dirty looks, but nothing more. I brought in some of the employees belongings to her at my brother 's request, I took them to her work because I do n't know where she lives. Just days after I overdrew by {$1.00} and some change, within 10 minutes I covered it. They charged me the overdraft fee, I paid even though I thought it was unfair. They then charged me a fee for transferring from my savings too many times using the app. Stating that had I physically was in the bank I would n't have gotten the charge. I had bills coming out of the account and had enough to cover them with a few dollars left, but that charge put me over yet again. I paid to cover it and received yet another overdraft fee. I called and they denied any unfair charges where none existed before. I told them the fee is to pay them for covering and compensating what I overdraw and ca n't cover, but that is for a 24hr period or more, not 10 minutes. They claim that all banks do this and I should do my research, I said you are the only one that does n't allow until the end of the day. As for the online transfer they claim it 's state policy to charge the account holder for transferring the account holders money between accounts, I find it fishy. I had no problems until I brought in the persons belongings. It was no time until my account was being attacked when I had never had any issues before.
There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX in the amount of {$6300.00}. It shows that this judgment was filed on XX/XX/2009. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
I have been harassed and threatened by Portfolio recovery since aprox. XX/XX/2018 to now. Even after telling them in writing to stop, they continued to call me several times a day. On one occasion, they threatened me with jail and on another occasion, the person on the other end said " I know where you live '' and laughed. They have even called my XXXX year old son. They use multiple telephone numbers and I do not answer my phone anymore nor allow my son to unless we know who it is.
I have talked with the company and still feel like I am being discriminated against. It is my understanding that a cosigner is provided to make sure a loan is paid back. My cosigner has half the requested loan amount in a savings account and around 300 acres of land and last time I looked, XXXX acres was going for XXXX dollars in that area, more than enough to pay the loan if needed. I have explained that there are errors on my credit report that I am in the process of fixing and I sent them XXXX test results showing that XXXX and having to take the entire year of 2015 to learn to walk and wright. All I want is a chance to go to school, I want to do it on my own and I have made sure I had a cosigner who can pay the loan back with no problem. According to my research, it is against the law to discriminate based on illness or XXXX as long as the money can be repaid and I am being discriminated against for being ill no mater what some representative says.
The lender as failed to respond to the Qualified Written request ( QWR ) submitted to them on  XXXX / XXXX /  XXXX   - The lender is required to provide a detailed loan history for us to review and assist the borrower. This is a violation of RESPA and we request the FC be placed on hold and for the requested info to be provided ASAP.
I received a letter dated XXXX XXXX, XXXX that make false claims regarding an alleged mortgage : 1. Notice Pursuant to Fair Debt Collection Practices Act ( If Applicable ) 2. Bayview Financial having full authority to negotiate, amend or modify all terms of the loan 3. The alleged servicer Bayview Financial is the servicer for The Bank XXXX XXXX ( Trustee for XXXX, XXXX XXXX XXXX XXXX XXXX ). 
I have never heard of Bayview XXXX. I have never received any communication from this company related to this matter or an alleged loan serviced by Bayview XXXX. XXXX XXXX, XXXX is the first time I ever received any notice regarding an alleged debt/loan serviced by XXXX Financial. 
Furthermore, my research indicates The Bank XXXX XXXX has provided documented information to me and to the XXXX ) that confirms, they are not the lender, successor, investor to the alleged mortgage as stated in the letter. In fact, the alleged trust was terminated in XXXX. Therefore, the statement in the XXXX XXXX, XXXX letter regarding a document filed in XXXX XXXX, XXXX in XXXX occurred five years after the trust terminated. The statement in the Fair Debt Collection notice is in error and invalid. It is impossible to execute a transaction with a trust that does not exist. 

Additionally, the Power of Attorney related to the property, XXXX XXXX XXXX has been suspended and filed accordingly following judicial procedure with XXXX XXXXXXXX. 
I have no knowledge of any alleged parties of interest or the alleged loan referenced in the letter date XXXX XXXX, XXXX. 
The letter is threatening, deliberately misleading, inaccurate and harassing. It violates consumer protection laws. It is also a possible violation of FDCPA, XXXX laws and more.
I signed up for {$1.00} credit report with Experian. Little to my knowledge it was a 7 day free trial. I called and complained and was on hold for over an hour. They were charging me {$21.00} for something I did not need. They only refunde d a one m onth subscription and canceled my membership. When I looked online there are over a  thousand  complaints just like mine. Please put an end to this practice and tell people not to do business with Experian.
XXXX XXXX fraudulently placed this account on my report. Sold it tonXXXX XXXX XXXX. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.
I received the following email from PayPal ... .. 
PayPal Hello XXXX XXXX : We 're emailing you because of a legal settlement between PayPal and the Consumer Financial Protection Bureau, a federal government agency that enforces laws that protect consumers. Under this settlement, you are entitled to a refund of {$4.00} related to your PayPal Credit account. On XXXX/XXXX/16 we credited this amount to your PayPal Account, plus an additional {$1.00} to cover any fee should you elect to withdraw this refund amount from your PayPal account via check. 

If you have any questions regarding the refund please contact PayPal Customer Service at XXXX from XXXX XXXX to XXXX XXXX XXXX XXXX Monday through Friday, or from XXXX XXXX to XXXX XXXX XXXX Time Saturday and Sunday. 

You can learn more about the Consumer Financial Protection Bureau at http : //www.consumerfinance.gov. You can also see a copy of the settlement agreement PayPal entered into on the Bureau 's website at http : XXXX. 
========================================================== The way I read it, I should get {$4.00} plus {$1.00} for a total of {$6.00}. 
What I received was {$3.00} plus {$1.00} for a total of {$4.00}. 
Is this in error? Did I read it wrong? Did they print it wrong? 
No biggie for me ... but, what about those who spent thousands???
I have disputed this account with Experian and received response the account was verified. Experian has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, XXXX & XXXX
I went to college as an adult learner and graduated from XXXXXXXX XXXX College in XX/XX/XXXX. I was in my early XXXX 's at the time and started a family in the year XX/XX/XXXX. I did put my loan into forebearance for a few years when my child was small and I was only working 2 days per week. 

Sallie Mae/Navient wanted an extremely high monthly payment when I left the forebearance status. Of course I was unable to meet that amount and asked for " options. '' I feel as though I was misled by these options in that now ... .at age XXXX ... .. ( 20 years after the loans were initiated ) ... XXXX owe {$3000.00} MORE than I originally borrowed even though I have been paying steadily since sometime in XX/XX/XXXX. In some years NOTHING went toward the principal .... for example in XX/XX/XXXXI paid {$1700.00} to Sallie Mae/Navient ... .. of that {$1700.00} ... ... a mere {$49.00} went to the principal based on my account history online. This is appalling ... and the interest just kept tacking on!! 

I just recently put a lien on my " paid-off '' home and took out a home equity loan to pay Navient off .... because I don't want them to get another dime from me! However, I feel that if there is some type of illegal practices suit against them, I would like to be considered for reimbursement. If nothing else, let this complaint serve as a means to warn future borrowers against their deceptive tactics. 

I would be happy to provide my name, account information, etc. 

I can be reached at ( XXXX ) XXXX
XXXX separate companies : XXXX. XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with Discovercard BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX XXXX and have not removed it from my credit report. 

Issue XXXX : Pinnacle Recovery started harassing me about owing money to XXXX XXXX. I do not believe I owe money. Even though I dealt with XXXX Resorts with a timeshare condo, I believe about XXXX, Pinnacle Recovery harassed me from that date but did not submit it to the credit bureaus until XXXX XXXX. Even though the alleged charges date back to approx. XXXX, this is still on my XXXX XXXX credit report.
XX/XX/2018 Amount : {$340.00} Bank : American Express Made a purchase and the shipping address was different from the billing address. Call the bank to stop the transaction but stated it was on HOLD until they get more information. Refuse to put funds back on the card.
Hello Respective Officer, HEre Iam writing this complaint against EQUIFAX - XXXX [ XXXX XXXX was the person who handled my Insurance file ]. 

I had XXXX Bitcoins in mine and my Husband account and they were stolen in a FRadulent way from both of our accounts, the fraudstaers claimed themselves as representatives of XXXX [ XXXX XXXX XXXX company ] and took control over our accounts and moved the digital assetts from our account to theirs! I reported this incident to the XXXX in two hours and requested to hold the transfer but it was already transferred and they couldnt hold the transfer! And since then I updated them the whole situation and how the fraudsters claimed themselves as XXXX  and cheated and stole the assetts but I was left with Rejection! 

I tried my best explaining the situation to XXXX but they rejected my REFUND .Hence I had to reach the insurance provided by XXXX [ TRUSTEDID ] for me, Identity Theft which also covers FRaudulent activities! After submitting all the, they rejected saying these are not financial assetts .I dont want to accept the reason for Rejection as this was a complete Fraudulent act which was covered under the insurace! 

THankyou and looking for justice and REFUND! 

I do have a POLICE complaint in place and email conversations and any other proofs needed! Have attatched the Police complaint and Summary of Benefits! Let me know if anything else needed! Included the email conversations with XXXX  and the screenshot of the transfers done!
The debit collector has been calling at different hours of the day, at work, and calling my family members giving all my information out, and telling them i need a lawyer, they are making my family worried and it needs to stop! I do n't know how they got my family members numbers but it needs to stop!
The collection amount to XXXX was paid in full. You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose. Therefore I am requesting you promptly rescind all such account information furnished to XXXX XXXX, and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this account from the records of XXXX XXXX, and to require them to have this account information deleted in its entirety from my credit reports will resolve this problem completely.
In XXXX, I sold my business to my other partner and told XXXX in XXXX, TX to remove me from the account. At that time I had no more access to online statements to that account and I received no more paper statements. So I assumed that I was removed off. However, in XXXX that account was in overdrawn and somehow my name and social was still tied to this account. The address is a place that I have never lived. In my 6 years with the bank I was never past due or in default. They had keep the account open because of my business partner was also on this account. It should have now been completely in his name which the obviously did not fix. I was never contacted to rectify this situation and it was just thrown on MY credit report. They refuse to fix or take any responsibility.
I have disputed a file with Equifax concerning XXXX debt recovery. Equifax has no debt validations on this. XXXX has my correct info, however when I call the company that they represent, " XXXX '', they have no record of me. Also Equifax is not reporting XXXX of my credit files. They are listed as an inquiry, however the items are not on my credit report. Also the files that are on my credit report only seem to update every 6 months or so. This is a horribly run company.
I have disputed a debt with TransUnion 4 times with no response but the two accounts are still being reported on my credit report. I have even used certified mail and had them notarized. I have requested viable evidence with my name and signature. I also requested name of creditor and was provided with incomplete information on the accounts and a false number when I tried calling the company 's number provided its an automated service trying to sell me things. I can not believe unverified accounts with no accounts numbers, incomplete addresses, and incorrect phone numbers can be reported on my credit file and that I have to do a years worth of work and it's still being reported. 
The accounts being reported are below. 

XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
XXXX XXXX calls from an " Unknown '' number. Have answered multiple times and they are calling from XXXX XXXX on behalf of XXXX XXXX XXXX. I have asked them to send me an invoice regarding my past due account because I didn't feel comfortable giving them my banking account information over the phone, and told them to stop calling me because I promise I will pay, even if it is later and I continue to get charged late fees. They still repeatedly call, twice a day or more, everyday.