WillisBack/dataset-financial-user-claim huggingface dataset:
My Complaint is About A Grade Given to Me By An Instructor At XXXX XXXX XXXX. I Requested A Review Of All My Graded Assignments. I Emailed A Complaint To XXXX XXXX Concerning my Grades. Call Me At XXXX. I am Leaving XXXX XXXX For XXXX XXXX XXXX  And I Want All Federal Aid PAYMENTs To XXXX  XXXX to Be Cancelled Effective Immediately. XXXX XXXX XXXX XXXX XX/XX/2018
Today XXXX-18 : A guy ( whose email and number I have if need be ), tried to sell tickets for a XXXX game to us over the internet. He stated he was at work and would need the money through XXXX. We went ahead and transferred and he never got back to us. After that he blocked my number. XXXX $ XXXX not be a lot for some people but its a lot for me. I attempted to call chase not even 5 min after I realized he blocked my number, and they stated they could not help since I authorized the transfer. They refused to cancel the process before it got to him or he even accepted it. I just want my XXXX $ back and to not let this happen to anyone else. Chase should put their customers first. I even tried to get in contact with the person through the email and they didnt reply. I sent them a text through another number and they only confirmed I was scammed and called me a XXXX.
EXPERIAN RE : BANKRUPTCY DISMISSAL I HAVE BEEN DISPUTING A CHAPTER XXXX DISMISSED CASE WITH EXPERIAN FOR 3 YEARS. MY CHAPTER XXXX WAS DISMISSED BY NO FAULT OF MINE. BUT BY THE JUDGE ( SEE ATTACHED IN MY EXPERIAN FILE ) I SUBMITTED LAST MONTH. THE JUDGE DISMISSED DUE TO INACCURATE AND TIMELY FILING OF PAPERWORK FROM THE ATTORNEY XXXX XXXX. AND HE DISMISSED MY CASE BEFORE THE HEARING. AND REFUNDED ME ALL MY MONIES I SUBMITTED COPIES THRU CFB COMPLAINT LAST MONTH EXPERIAN SHOULD HAVE THE COPIES IN MY FILE. HOWEVER EXPERIAN STATES IT STILL HAS TO REMAIN ON MY CREDIT FOR THE DESIGNATED TIME PERIOD I AM REQUESTING THAT SINCE THIS BANKRUPTCY WAS DISMISSED AND NO HEARING TOOK PLACE THAT EXPERIAN DO THE FOLLOWING SINCE THEY WANT REMOVE. 

ADD A AMMENDUM ON MY CREDIT FILE STATING ( BANKRUPTCY NEVER TOOK PLACE )
I was in a manufactured home when it was purchased by new clients. Vanderbilt mortgage worked their loan out with them and approved them so they moved in ( from another state ). They subsequently denied their loan and could n't get the people to move out without legal action. Some reason the foreclosure of XXXX is showing on my credit report when it did not have anything to do with me as I was only the previous owner. They have refused to remove the item from XXXX and XXXX in a timely manner.
In 2012 I submitted my personal information to a website that I unfortunately do not remember. This so called company I guess was not a direct lender but a solicitor and passed my info to XXXX " lenders ''. At the time I wanted to get a small loan. $ XXXX-XXXX. I made the mistake of providing my banking information. The company that is now trying to collect for XXXX XXXX ( Weinman Acquisition Group who has a P.O. box and no brick and mortar address ) says that they purchased my account from XXXX and that I got a loan from them. I asked when this was, how much was the original loan and if they could show me documentation which states I accepted the loan. The initial company who tried this XX/XX/2012 was not XXXX. I asked them to provide me with the same proof and documents and I never heard from them again. The XXXX XXXX provided me with a document they drafted with a dollar figure that they want me to pay. I still do n't know the original loan amount and must now go to XXXX XXXX and ask for transactions for XX/XX/XXXX and XX/XX/2012. XXXX XXXX stated that the transaction took place XX/XX/2012 but did not provide that info with their letter. I will attach a copy if your site allows. The amount the are asking me to agree to is {$750.00}, they say it was reduce from {$1100.00} and will go to over {$3000.00} if they file paperwork with XXXX County Nevada for fraud. The person I spoke with is XXXX XXXX. Says he is a mediator and wants to help and says he is offering this to keep his layers from filing the paperwork in XXXX County Nevada. Not clear if he works for XXXX or Weinman, but was clear on how much money he wants me to pay. 

I do n't remember receiving any money at all! and certainly not {$3000.00}!!
If I need to file bankruptcy, Advance Financial is the cause. 
I 'd been with Advance Financial for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to Advance Financial and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. XXXX payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off Advance Financial and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are XXXX XXXX XXXX and Tennessee XXXX. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With XXXX XXXX XXXX, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX and the XXXX and XXXX was way better than dealing with these companies. I make a decent living and they are robbing me blind, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and break my legs as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people blind.
A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. 

XXXX XXXX # XXXX
On XX/XX/2018 there was a fraudulent transaction on my account for the amount of {$140.00}. I filled out a fraudulent transaction form and sent to the company as per their policy. The company later responded with the following : Dear Valued Customer, The Fraud Investigation team has completed the review of your claim related to unauthorized charges for Case Number : XXXX involving card ( s ) ending in : XXXX. 

All fraud claims are reviewed in compliance with federal regulations, Cardholder Agreements, and MasterCard rules ( when applicable ).

Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim.

Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards.

While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.

For questions regarding your Cardholder Agreement, please call the Customer Service number on the back of your card.

Thank you for your patience in allowing us to complete a full investigation of your claim. We appreciate your business and look forward to serving you in the future.

Respectfully, Fraud Operations, Investigations Unit While the information in their response maybe true, it does not apply to my complaint. This was not an unauthorized use of a card. The card in question was in my possession at the time the fraudulent transaction was made and therefor meaning the card wasn't actually used at all. I would assume this was a electronic credit card fraud but either way the company is unwilling to answer me and don't seem to care.
Experian reports that I filled Bankruptcy chapter XXXX in XXXX, which I did. But that case was converted to chapter XXXX and discharged in XXXX. But Experian doesn't report it. I was denied a credit because Experian reports a pending bankruptcy. I filed a dispute to correct the information. The answer was That record is certified and remains on my record. I didn't ask to remove. I just asked to update the info. I couldn't find any way to update my dispute and was reffered to this web site. How can I update my information since Experian refused it? 
P. S. XXXX and XXXX report correct information.
Without any action from me, I was sent an " Amazon.com Rewards '' XXXX from Chase in the regular mail. It has my name, an account number, a credit line and a phone number to " confirm receipt '' all within the same envelope* seemingly making it very easy for anyone to activate this card. 

I am scared that a credit check was run ( again, without my permission or authority ) and that the intent was to make it as easy as possible for transactions to begin occurring against my knowledge or will. When I tried to call the customer service numbers to inquire, I was disconnected adding an ever-dubious sense to this process that I neither asked for or enacted.
I had a XX/XX/2018 USAA Visa bill of {$150.00}, which was due on XX/XX/2018. I paid the XXXX bill and mailed it on time, as I have done for 22 years with USAA Visa. They failed to cash the check until XX/XX/2018. I received the next XXXX statement which includes an interest fee of {$30.00}. I disputed this fee by phone on XX/XX/2018 and was told the interest was calculated at the end of every day for my future credit purchases. That is, as I continued to use the credit card, but prior to my having the XXXX statement, I was being charged interest on credit card charges that were not yet due. USAA Visa can not explain why they failed to cash my check in a timely fashion. I believe it is extremely improper for them to bill me for interest on the charges that were not yet due. Despite their slow processing of my check for the XXXX statement, I am willing pay interest on the {$150.00}. But it is dishonest and wrong to bill interest on credit card charges that are not yet due. This practice is not only illicit ; it also fosters fraud because USAA Visa has a financial gain to not process and cash payments in a timely fashion so that they can then drive up interest fees on bills that are not yet due. Last, when I asked USAA Visa for the outside agency to report the problem, they failed to tell me I can report it to the Consumer Protection Financial Bureau.
I received a phone call from " coast professional '' at my place of employment. The person on the phone asked if I was ( my name ). After I said " yes, '' she then asked me to give her either my phone number, address, or last XXXX digits of my social. I became very uncomfortable & asked her what this call was about. She refused to tell me until I gave her XXXX of the XXXX bits of information. At that point, I looked up the company online & saw that she was calling on behalf of a debt collection agency. So, I asked her if her call was regarding a debt collection. She said she could not tell me that information, but offered to let me speak with a supervisor. The supervisor then asked me to provide XXXX of the XXXX pieces of information. He also refused to tell me if the call was in regard to a debt collection. Although I was very nervous to give him any information, I did. The supervisor then told me I was n't the person they were looking for. Anyway, my belief is that this was a fishing expedition. As soon as I said I was the name they were looking for, the company was required, under the Fair Debt Collection Practices Act, to identify themselves as debt collectors. They did not.
I have had so many issues with XXXX navient that i dont know where to start. I was put in default while still in school and never contacted until it was almost to late for XXXX. I was finally able to go through steps of deferment to get me out of default only to be given a payment amount that was ridiculous XXXX a month. I was told by the XXXX i would be XXXX in debt after school and that was with interest. After i graduated i found out i am XXXX in debt. More issues kept happening to my account with added fees and payments incorrectly applied to my account not going toward principle. I am now on the rate reduction program but i had to research for months just to find out this program exists. I have been harrased so much i want to XXXX to get out of this situation. My mom also has been severely harrased. It has cause me and family to part ways due to the conflicts these loans have caused and there is no end in sight. I am constantly stressed out and have several XXXX that last several daysXXXX, and several XXXX conditions. I have had many failed relationships due to this stress these loans have caused me. I can not afford to have a life outside of work and have developed a XXXX that keeps from participating in family and friend functions. I can keep going on all the personal effects this has had on me and my family. The school i went to os closing down slowly but surely due to predatory lending and other illegal activity to the point the federal government is suing them for XXXX XXXX since XX/XX/XXXX. I graduated in XX/XX/XXXX. I grew up on welfare and never made much money ever i just dont know why i was ever given these loans. I need them to go or i will be fleeing the united states in hopes to not live this type of stressful life.
American Express canceled my account on XXXX/XXXX/XXXX. The only reason they gave me was that the account was " fraudulent '' although there were no unauthorized charges on my account. They went on say that their fraud unit did an investigation and found my account to be fraudulent. The Amex rep would not tell me too much but implied that someone claiming to be me told Amex that he ( I ) never applied for an Amex card. I have been an Amex member since XX/XX/XXXX, at the same address and the same phone number. No one from Amex called me or wrote to verify my identity or to questions me about this alleged fraud although I have been receiving my Amex bills at the same address for years and have never missed a payment. I found out that my Amex account on XXXX/XXXX/XXXX was closed when XXXX billed Amex as they every month for my internet service and the charge was denied. AMEX never informed me that they had closed my account. I can not understand how their fraud unit did an investigation on my account and Amex never contacted me for anything. Also on my online Amex account they list the last XXXX digits on your account. The XXXX digits were not the last XXXX digits on my Amex account, which I also informed the rep. I also receive a paper statement from Amex and it had the correct XXXX digits from my account. In summary, Amex had no right to close account without contacting me, interviewing me or at least informing of what they intended to do. They gave me very little information as to the specific nature of my account being " fraudulent ''.
5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my transunion credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but transunion and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months thank you
When I had initially shopped for a mortgage, I was approved for {$100000.00}. My wife and I found a house. We negotiated a price with XXXX % sellers assist. The mortgage company told me over and over again my closing costs would be {$3800.00}. I put down {$1000.00} as my earnest deposit, which was supposed to leave a balance of {$2800.00}. Working with the title company I did not have a cost until the day of closing, I had received several different amounts. The day of closing we were given a fee. I went to the bank, got a check for the amount went to closing and was told it was wrong. I sat there and waited 3 hours for them to correct the numbers, they could not. In the end the bank had went home and we couldnt do anything. Then Monday they requested all of the funds for the mortgage to be returned to them and we had to wait an additional week to close, which again they had incorrect numbers. We also had to pay an additional {$110.00} in taxes and interest for waiting the additional time to close. In the end my closing costs ended up being {$5800.00} plus the {$1000.00} earnest deposit. The company claimed they were n't aware of certain fees that came up and that there was nothing they could do about the costs. Even though the title company has proof they sent them the fees to be included into the closing disclosure they chose to ignore those fees.
XXXX -- -- Caller ID noted this companies number at no time have there been any messages left. The caller ID noted " Synchrony ''. We work so we never knew who the company was as we were not home for the call. Saturday XXXX I had been woken up by a call from this company they were recording as I could hear beeps intermittently yet I was not told that this was occurring. The call was not for me but for my daughter who has not lived at this address in over 2 years. I related that information, they then began to ask for her contact information. I stated that I would not disclose any information until I knew who was calling and why. The person tone became angry and stated it was a personal matter and would not disclose the type of company or why they were. After the call I contacted my daughter, she said she has been in contact with them and that she had made a payment but could not pay the full amount so she was late. My daughter seemed distressed and stated that they have her number and they have been harassing her, even after she had been in contact. I do not approve of people phoning my home over and over leaving no messages and becoming belligerent when there is nothing I can do, as this matter does not pertain to me or anyone living in my household. These people need to be regulated.
I have taken a loan from bank of America for {$100000.00} and it started on XX/XX/2016. I get a statement from XXXX the first XXXX for this account from XX/XX/XXXX to XX/XX/XXXX when this account was never open on XX/XX/XXXX. Then they say that I owe them {$250.00}, I have never received a statement for that amount and now they will debit my account for this $ XXXX This is daylight robbery. No one will answer my question.
XX/XX/2017
 This morning I called GC services to see where the status of my student loan payments were I was currently  on a payment plan for $XXXX a month When I called they told me im no longer on a pay arrangement. GC services stated that I had to start the payment program again I said why im already on the payment arrangement the lady then put the manager on the phone he  informed  me that  they deleted my card information  they claimed to have called me ,but i didn't receive a phone call ,or email ,also I was sent proof of my payment received and put towards my amount .I was told that I had to do the program all over  again which will effect my Income taxes and my enrollment in college. Also the manager stated that there wasn't a payment set arrangement set-up i started it in XX/XX/XXXX here is proof
Information from GC Services Regarding Your Student Loan With XXXX XXXX XXXX
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State Farm Ban k has put a charged off credit card account on my  XXXX  credit bureau reports and I have written t o State Farm Ban k and demanded certain information to verify the account and the accuracy of the information they reported - They finally sent me a letter telling me that they will NOT provide me with the requested information - They will not allow me access to all account statements etc to be able to verify this disputed account - The  XXXX    CBR 'S will NOT remove the disputed account even though they have been provided the letter from State Farm Bank telling me that they will not provide any information that I have requested and legally should receive.
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State Farm bank has continually violated m  y FDCPA rights and my rights to fair billing and collections