WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a Chase XXXX credit card account and was approved. I added XXXX additional authorized users and we received our cards in the mail in a timely manner. Upon receiving the cards we began to use them to pay bills. After about 5 days after we started using them the card charges were no longer authorized. When we inquired as to why, they said they had suspected some fraudulent activity on the account and would get back to us after the investigation. Being concerned that someone had gotten our card numbers, I call Chase and asked them to close the account and open a new XXXX for us and send us new cards. We did not hear back from Chase for about 10 days so we call them. After many calls we were finally directed to XXXX XXXX in Fraud operations. He said they were investigating the account for fraudulent activity. I asked him what kind of fraudulent activity and he said is was a report from an independent agency that Chase used to monitor credit card use. I explained that all of the charges on our account were ours and that there was no fraudulent activity from our end. I confirmed my address and SSN for him and he said he would get back to me. After waiting 5 more days, I called him. He did not answer and I left a message. I made XXXX more calls to XXXX XXXX and left a message each time. He never called back. XX/XX/XXXX I got a letter from XXXX XXXX saying that they were investigating possible fraudulent activity on my account and to please call him at my earliest convenience. I called him on and got a recorded message. I left him a message. I did not hear back the next day so I called and left another message. I did not get a call back from XXXX XXXX so I called Chase and asked to speak to his supervisor. After being on the line for 28 minutes I was given the number XXXX and was told that she was waiting for my call. I called her and left a message. I doubt I will hear back from her.
I was receiving daily phone calls from Check City regarding setting up a repayment plan on a payday loan that I was not able to repay when it was due. They pressured me to promise to pay more than I could afford and I told them this, but they continued to use high -pressure tactics to make me agree with them which I would end up doing in order to get off the phone. XXXX agent even starting yelling to her co-workers " she 's lying, she is not going to pay '' while using these colelction techniques. 

Then they would call me every day afrerwords even though we had come to an agreement and we would have the same pressure conversations causing me emotional stress. If I did not answer my cell phone they would repeatedly call my job, EVEN AFTER I SPECIFICALLY TOLD THEM I HAD GOTTEN IN TROUBLE WITH THE HEAD OF SECURITY, and they would make the receptionist give me a hand written note. 

In addition to this, they repeatedly called my boss and left him messages regarding the debt and he spoke to me about it as they were bothering him at work as well. This caused a strain on my work environment and additional stress to me personally. 

They also called my mom repeatedly as well as my long-time friend regarding the debt. 

The interest rates they charge and the amounts they loan put you in a cycle where you are unable to pay them back, and they will not allow you to make reasonable payments. I am responsible for agreeing to the " quick money loan '', but was not prepared for the horrible experience that i was getting myself into. Check City, however, is perfectly aware what they do to people who are facing having their water shut or electricity shut off with a child in the house and not only do they prey upon them, they proceed to harass and belittle them and make sure your job, family, and friends are aware of your personal financial situation as well. 

Shame on them. Perhaps if they would lower their interest rates to 100 % instead of 400 % - 500 % they would get paid back more often and still make XXXX times the interest a credit card company makes.
I recently became aware that for the last 2 years, I have been charged {$5.00} to make a payment on my credit card, inside a CHASE bank. The teller NEVER mentions the {$5.00} fee and this fee is not reflected on my payment receipts. It is usually deducted from my XXXX XXXX XXXX XXXX account 5 or 6 days after I 've made the payment to CHASE. Today, around XXXX, I called CHASE, and spoke to a Customer Service Supervisor by the name of XXXX who informed me that unfortunately there was nothing the bank could do about this.
I am in a variable loan that was Wa Mu, now is Chase, and is not XXXX XXXX or XXXX XXXX. I have tried to re fi with Chase 3 times. I also complained and they told you they had not received an application. No true. Each time they say they will get back to me but do not. I am a XXXX Vet and this is not fair. They make more money by not re financing me so they just play dumb and lie to you.
Recently we opted to turn in the keys to a home in North Carolina because we could no longer afford the home. Things were moving along and we have gotten everything out of the home and sent a letter to have Wells Fargo take over the home. We received an email stating there was a problem with the title being recorded in another county different from where thee home is located. Then we received an email stating that there was a document from the closing that had not been signed. We then learned we now have to sign all the documents from the initial settlement which was in XX/XX/XXXX. Then we were told the document were fromXX/XX/XXXX. This is all strange because inXX/XX/XXXX we requested a second mortgage for {$50000.00} what we got instead was a Home Equity Loan for {$120000.00}. When we learned of the mistake we wrote letters and complained that this was not what we wanted. Because of the HELOC we were stuck paying fees and interested when in fact if we had gotten the second mortgage in XX/XX/XXXX and our first mortgage was left as it was we would have paid off both loans by now. To now be told we need to sign " ALL ' documents from first this company it set out many red flags. 

We want the process to be over, however signing documents from over 10 years ago is cause to be alarmed. We are questing if the initial request for the second mortgage was a bate and switch. Therefore we want an investigation into this situation. 

Spoke to XXXX XXXX at Wells Fargo Headquarter his number is XXXX ex. XXXX And XXXX XXXX Wells Fargo Home Mortgage Default Servicing - Default Decisioning HL Liquidations XXXX XXXX Wells Fargo Home Mortgage - Liquidations WO and XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX, IA XXXX XXXX XXXX XXXX ext # XXXX
The two accounts below are reporting on my XXXX  and XXXX reports. Both accounts are over 10 years old and should be deleted. by law accounts over 10 years old are to be delete from credit report.

Account NameCAPITAL ONE Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$1000.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXX Account NameCAPITAL ONE AUTO FINANCE Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date Opened1XX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$3000.00} past due as of XX/XX/XXXX.

Status UpdatedXX/XX/XXXX
Because I was impacted by the Equifax hack, and my husband 's laptop was stolen, I want to take steps to make sure my identity isn't stolen. When I tried to get my free credit reports from XXXX on XX/XX/XXXX, it asks for my full social security number, which I didn't want to give, since the hack of Equifax exposed social security numbers. I tried to find out if I have a freeze on Equifax, but they wouldn't tell me without giving my full social security number when I called them on XX/XX/XXXX. I was able to verify my freezes with both XXXX and XXXX  without revealing my full social security number. Is there a way to around giving both XXXX and Equifax my full social security number?
The bulk of my student loans are with the Department of Education and are currently in deferment while I complete my specialty training. However, there were XXXX minor loans through XXXX XXXX, which they sent to Campus Partners to collect those loans. I was unable to get a deferment for those loans, despite completing the paperwork ( no reason was given, just a denial ), and I contacted XXXX XXXX to make repayment arrangements that I could actually afford to pay : Campus Partners was demanding $ XXXX, which I certainly could not afford with my training salary. ( Campus Partners had tried in XXXX to tell me that I had to IMMEDIATELY repay $ XXXX in loans and tried to get my parents to sign an equity loan on their house to repay - or they threatened I would not get my XXXX. I contacted XXXX XXXX, and they intervened. I have attached the email to this complaint ). My problem is that I am repaying the loan on a schedule that I had agreed with XXXX XXXX in XXXX, but Campus Partners continues to provide extremely negative input to my credit report. I will complete the specialty training in XXXX XXXX, and will be in a better position to pay both my Federal and private loans ( Campus Partners ). Is n't there a way to have my credit report reflect my payment of the XXXX XXXX loans instead of the continued negative monthly reports??? Campus Partners is unbelievably unresponsive, and it is hard to believe that they are really a non-profit. Their collection tactics are aggressive and money-draining, including the exorbitant fee that they charge for online payments! 

Please help me! 

Thank you, XXXX XXXX
I have an unauthorized and unjustified hard inquiry on my XXXX, XXXX, and XXXX credit report from Capital One Bank. I called capital one executive office in regard to the unauthorized hard inquiry that is reporting on my credit files and I was advise to allow 7 business days that someone will call me back in regards to the issue. It has been over three weeks, and I have not receive a call back from capital one or received any correspondence from capital one, and the unauthorized hard inquiry is still on my credit report. Now I have a fraud alert on my credit files since XX/XX/2014 and yet still capital one was able to place an unauthorized hard inquiry on my credit report with the major credit bureaus. Capital One Bank had initiated a fraudulent inquiry into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of Capital One Bank made unauthorized inquiry into my credit report.
There was a judgement against me. My wages have been garnished. The debt is now paid plus legal fees have also been paid. My wages are still being garnished -- XXXX full paychecks past what I owe. I called Solomon & Solomon, PC. They said they would stop the garnishment, but they have not. I do not know what course of action to take to make this stop and get my overpayment back. I have called the sheriff, they said they can not help. I called the court clerk, they told me they can not give legal advice.
I defaulted on a payment arrangement that I had made with CashNet USA in XXXX. I called maybe in late XXXX XXXX to make new payment arrangements. I was told that since I defaulted on the previous payment arrangement, I could not make a new payment arrangement, but that I could make payments on my own. I mailed in payments around XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX in the amount of {$50.00} each. On XXXX XXXX, XXXX, CashNet USA sent my account to collections. I would like to know why my account has been sent to collections if I was making payments. Also, in XXXX CashNet USA had made two withdrawals on the same day from my account without my permission and on a day that I had not authorized. I filed a claim with my bank to get the charges reversed.
U.S. BANK HOME MORTGAGE is trying to overcharge me, SCAM ME again and again by sending me letters again and again even though I made my first and most recent mortgage payment on time on XX/XX/2016. I am being repeatedly harassed by U.S. BANK HOME MORTGAGE with letters that says I paid only {$190.00} which is a total lie. MY monthly bill is {$810.00} and I paid 5 payments of {$190.00} and it was received by them on XXXX XXXX. In my bill for XXXX, it clearly shows I paid more than the monthly due and I have attached it with this complaint. I have also attached one of the several letters they sent me that says I did n't pay my recent mortgage bill in full. I actually called US bank 2 weeks ago and complained to the agent about their harassing letters that are full of lies, the agent on phone told me yes they received my recent bill on time and that the letters they sent me were in error. Yet I still keep receiving these letters that still says I should make my monthly payment by now and threats about being reported credit bureau agencies for late or missed payment. 

I want US bank to look at my mortgage account and correct any errors and contact me to apologize for all the harassing letters and the attempted scams. In the attachments I have sent with this complaint, you will see 1 letter that proves I made my XXXX payment on time and paid more than the due, you will see 2 letters that says I did n't make full payment and threatens to report me to credit bureau agencies.
To whom it may concern : I am filing a complaint against XXXX XXXX XXXX, in XXXX, New Jersey a collection agency that works for XXXX XXXX XXXX XXXX in XXXX GA. I've sent out several letters disputing this debt of {$83.00} inwhich I will upload for review ... 1st letter sent by certified mail on XX/XX/XXXX, 2nd Letter on XX/XX/XXXX and third letter on XX/XX/XXXX. After several attempts they responded with a letter asking for payment and a billing spreadsheet. This billing sheet shows my billing cycle which was from the XXXX to the XXXX of each month. I contacted XXXX XXXX XXXX requesting information on how to cancel the membership on XXXX XXXX and they responded back on XX/XX/XXXX on how to start the cancelation process. I sent the 30 day notice on XX/XX/XXXX and recieved a response as recieved on XX/XX/XXXX. All of these documents are included within this complaint file ..., This debt of {$83.00} is XXXX XXXX XXXX   overcharging me for months of services after I cancelled the account. I had a XXXX  balance when I canceled the account, as it states that in the letter as a requirement from them for me to be able to cancel membership before or on the billing date. They have begrudgently ingnored my letters sent ... they have broken several Federal Credit Reporting laws such as the FCRA and the FDCPA. 
XXXX XXXX XXXX and XXXX XXXX XXXX has caused me financial and Mental harm, by reporting this negative information with the credit bureaus, causing me to pay a higher interest rate for credit, Car Insurances, Store Credit, etc ... I have been denied becuase of my scores dropping due to there illegal practices. When reviewing the billing spreadsheets, you can see that we stopped payment on XX/XX/XXXX after I canceled the account, but they continued charging me. Our monthly billing was {$15.00} per month paid in advance for each month. There was no balance at the time we cancelled the account and we did within the guidel lines they submitted to me. 

I want them to remove this derogatory information from my Credit file immeadiately pertaining to this XXXX XXXX XXXX/XXXX XXXX XXXXs account. 


Kindest Regards,
On XX/XX/XXXX XXXX placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score.  XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, XXXX and Transunion are cause for investigation into the companies themselves.
Bought an XXXX computer for over {$3000.00} from XXXX XXXX XXXX. In the contract they stated i would have an additional warranty. I dropped off the computer and its been more than 30 days the company advised in their contract that the repairs if exceeded 30 days would replace the computer or give store credit in order to compensate for the money as of today 's date I do not have the computer and I am out of over {$3000.00} of my money. The company is not trying to live up to what has been promised in the contract and has not made any effort to make amends with the consumer. They constantly delay and delay and will not refund me my money or a new computer I am now out of over {$3000.00} and do not have the product for it has been sitting in their repair shop since XXXX XXXX, 2017. They have made false statements in order for the consumer to purchase their extended warranty program and will not live up to what they say they will do.
I contact American Collections Enterprise , Inc. the same day I received an invoice for a XXXX medical invoice for my daughter. 

The invoice had an address to mail checks to but no payee information. 

I had overlooked the invoice and was calling to request to whom I should make the check out. They immediately started giving me the run around even though I was saying that I would pay them in full immediately. They wanted to send me to a web site ( I do n't think they have one ) to find out. The person on the phone got combative when I pointedly asked for the answer to a simple so that I would not have to waste time looking through a web site. Further it was not a confidential piece of information ( my daughter is over XXXX. ). She then hung up on me. I called again and got the same behavior from someone else although not quite as combative but combative still the same. She avoided answering the question, claiming that my daughter would have to call, but eventually did provide the information. 

Given the conduct, the many previous complaints about this company in your database, I am extremely concerned about identity theft or some other kind of fraud. I have never heard of trying to collect money and then refusing to tell you how to make out the check.
Navient, I see some discrepancies with the interest during my repayment plan. sometimes i lot more of interest and i dont see my balance to really going down. its like im stuck paying the same range of the quantity. right now i ask for forbereance because im having money issues and i cant make the payments. i ask for a offer to lower the total balance and was denied. APPLY ANY ASSISTANCE DUE TO NAVIENT PUBLIC SUE -- ** " The U.S. Consumer Financial Protection Bureau is suing Navient XXXX., the nations largest student loan servicer, accusing it of systematically and illegally failing borrowers at every stage of repayment, my balance is {$2500.00} Original Principal {$2600.00} Total Amount to be Repaid {$2800.00} Some number dont add up .... its weird and i dont understand this process. 
i ve been paying for years ... ... ... ... ... ... ... ... ...
My original home loan was with XXXX made in 2006. XXXX did not charge me a fee for making my mortgage payments online. Several years back XXXX XXXX XXXX sold my loan to Nationstar Mortgage, who charges me a fee of {$9.00} each month for paying online. My loan was sold to Nationstar Mortgage unbeknownst to me and I never signed any paperwork agreeing that I would pay a fee to make payments online. I 've spoken to several representatives with Nationstar who will not waive the fee. I received a mortgage loan from one financial institution who did not charge me a fee for making payments online and through no fault of my own ended up with another financial institution that charges for paying online. It 's not fair to me the consumer.
On XX/XX/2018 ; I started a loan modification application with my servicer, Bayview Loan Servicing. I received a notice that Bayview would transfer the servicing of my loan to XXXX XXXX XXXX XXXX on XX/XX/2018.

On XX/XX/XXXX and as of today 's date ; I have contacted XXXX XXXX XXXX  consistently about the transfer of my loan while in default and to find out whether my loan modification application package would be transferred from Bayview to XXXX XXXX.

As of this date, XXXX XXXX has informed me that they do not show any of my loan information in their system - they do not even have a loan number assigned to my loan ; a fact which has prevented me from submitting their loan number to this complaint and from getting the servicer any missing information that might by needed to make a determination on my application before the XX/XX/2018 sale date.
Radius Debt Collection reached out to me from complaint XXXX. In their communications they do not give a mini-Miranda and claim even though they are a debt collector that they do not have to say This is an attempt to collect a debt, any information obtained may be used for that purpose I have attached a copy of their letter and I find them to be dishonest in their conduct. I am requesting that you please reinvestigate them for improper conduct under The Fair Debt Collections Practices Act and with CFPB standards and Practices. 

They also say that this item is in litigation to the CFPB/FTC when it is not. No lawsuit has been filed at this time.
Due to the recent hack of Equifax my information was exposed to people that I have not authorized. I used their tool and both me and my wife were reported as potentially exposed.