WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, XXXX, XXXX and XXXX, unauthorized cash advances were made using my credit card in the amount of {$8000.00} in advances, {$400.00} in advance fees, and shortly afterward {$44.00} in interest fees, as well as a {$2000.00} unauthorized transfer of money from my savings account. This was done unbeknownst to me by a company claiming to be XXXX, giving me a refund due for past services. 

When I figured out what had happened, I reported it to my bank ( Wells Fargo ) who then closed my accounts and opened up new accounts for me. This was on XX/XX/XXXX. However, most of the transactions continued to show up on the XXXX in my new accounts. I placed a claim of fraud with the bank, and all they did was deny my claim, remove {$4000.00} from my checking and apply it as a credit against my credit card that over {$8400.00} had been charged in unauthorized cash advances, ( leaving me over {$4400.00} in debt for something I didn't authorize and obliterating my checking account ), as well as deny the replacement of funds of {$2000.00} that were unauthorized as a transfer out of my savings - all of the above unauthorized transactions had the subtitle of : REFUND FROM XXXX. 

When some of the funds appeared in my checking with that subtitle ( REFUND FROM XXXX ), I was told I had been over-refunded and needed to return the overage to XXXX - which I did. I had no idea these funds were my own money. I was only attempting to be a honest person and return funds that were not due me. 

However, Wells Fargo has denied me any recompense for these fraudulent activities I've suffered, instead making sure that I'm held responsible for the acts, instead of fulfilling their duty of protecting me and my money, and replacing those funds that were removed/charged against me by unauthorized requests. 

The bottom line is, I did not authorize the removal of funds from my Savings,  nor did I authorize cash advances to my credit card. Wells Fargo is supposed to be responsible for assuring the safety of my money that I entrust them with. When I went to my Wells Fargo branch in person and reported this fraud against me, they assured me that I would be recompensed the full amount of {$10000.00}. However in the claim letter I received in the mail, they have denied me any and all recompense, instead removing funds from my checking account to credit my credit card, and then leaving me with {$4200.00} of debt on my credit card, and {$2000.00} less in my Savings, and very little money in my checking for paying my regular bills. 

The government and banks are supposed to be insuring my money and the safety of it and me against fraud and scams. Instead, Wells Fargo has run me over with their stage coach, and driven off laughing, with what little money I have as a retiree. And me a Wells Fargo member for 39 years.
I 've received repeated phone calls from Dymamic Recovery Solutions regarding a debt I owed over XXXX years ago when I was married and going under a different name. All phone messages indicated that if I did n't call them, I would be served with papers either at my place of employment or at my place of residence. 

This time-barred debt has since appeared on my credit report with an account open date of XX/XX/XXXX ; I did not open any new credit under my current name or under my former married name at that time. This account was originally opened under my married last name ; however, I have not gone by that name nor have I opened any credit accounts in that name since prior to my divorce in XX/XX/XXXX.
On Thursday XX/XX/2018 I requested an Employment Data Report from TheWorkNumber online. I received and read the report which includes all of my employment data sent to The Work Number by my employers. The report lists " verifiers who have procured your data in the past 24 months. '' In this section, an organization nondescriptly identified as " XXXX XXXX XXXX XXXX  '' requested my information two times on XX/XX/2018. To my knowledge, I did not authorize any such request. 

The report specifically says that " if you need further assistance or wish to dispute any information in your Employment Data Report, please contact our Client Service Center at XXXX Monday through Friday XXXX XXXX. Please reference case number XXXX. '' I have called this number several times asking for more information about what is the " XXXX XXXX XXXX XXXX  '' that made two requests for my Employment Data Report on XX/XX/2018, because to my knowledge I did not authorize any such requests because I have not applied for any credit cards nor have I applied for an increase. 

My first issue is that when you call this number, no one in any of the departments that I was transferred to recognized the reference case number, XXXX, that is provided on the Employer Data Report with instructions to contact the Client Service Center at the XXXX phone number. I was actually transferred nine times back and forth between three departments, Disputes, Verifications Research, and Equifax : who all said that they could not provide any information to me about the two requests on XX/XX/2018 from " XXXX XXXX XXXX XXXX  '', and who all did not recognize the case number. The only recourse I was offered every time was to be transferred to another department, and invariably receive the same response over again. 

My second issue is that I believe I have a right under the Fair Credit Reporting Act to receive an explanation or at least be provided with more information about what is the " XXXX XXXX XXXX XXXX  '' and why two requests for my employment data report were made on 02/13/2018 and if my Employment Data Report was released or not released to the " XXXX XXXX XXXX XXXX. '' I find it extremely troubling and inconsistent with the Fair Credit Reporting Act that I can not be given any more information or counseling on how my information XXXX be shared by The Work Number Service Team when you call the Client Service Center at XXXX.
On XX/XX/ 2019 I noticed the amount of {$990.00} was missing from my bank account which just so happen to be nearly half the funds I had in there. I contacted the bank the same day and they told me that there was nothing they could do on there end that it was a legal order done by XXXX XXXX XXXX   XXXX XXXX XXXX ( XXXX ). obtained the legal order in bad faith as they garnished exempt funds. They are representing LVNV Funding llc, a debt collector who I sent my proof of exemption to. Since sending those people my proof of exemption they have tried to call me to collect the debt and now have illegally garnished my exempt funds through the law office previously mentioned. It has caused me significant hardship as this literally is the only money I live off of as I am XXXX, a full time student and receive only financial aid for school. I have tried to contact them on three different occasions. They do not have an email, so I called them on XX/XX/XXXX the same day it occurred, but no answer. Then I called them on XX/XX/XXXX, the operator picked up and transferred me to a lawyer, but all I got was voicemail, so I left a message. I called again on XX/XX/XXXX and still no answer. So, I again left a message.
Ocwen Loan Servicing engaged in " dual tracking '', violated the RM/SPOC requirements, and did not properly complete the short sale / loss mitigation options prior to conducting an illegal foreclosure in our home.
I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws.

XXXX Inquires 1 ) XXXX - XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX Experian 1 ) XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX
Today I called Navient to discuss a new payment because my forbearance is ending in a couple months. I am currently enrolled in an extended graduated plan which I understood to be an IBR plan - I thought all plans besides the normal payment amount were IBR. I asked the representative why interest was capitalized in XX/XX/2015 because interest should not be capitalized ( or accrued or something ) during IBR, unless you get off of IBR. She told me that because I left IBR and got onto the extended graduated plan, that the interest was capitalized. The change from IBR to extended graduated was made over the phone in XX/XX/2015 with Navient. I have no recollection of being told I was leaving IBR, and I most certainly have no recollection of being told that interest would now be capitalized. 

I am really upset that I do n't get a clear answer from Navient on what exactly will happen to my loan and balance until after everything is said and done, until all of the interest is tacked on to my loan. I thought I was making a good financial decision to go onto the extended graduated plan and only now I fully understand that was a bad financial decision. 

STUDENT LOAN REPAYMENT PLAN DISCLOSURES MUST BE IMPROVED : I am a very educated person and even I ca n't seem to make fully-informed decisions on my student loans because the repayment plans and rules are so complicated. These 'repayment ' plans are not designed for repayment ; they are designed to keep the borrower paying interest/fees every month to stay out of default ( to keep their credit score/history from being hurt ). Repayment means the borrower will have a fair/good chance at repaying the principal of the loan. Loan sharking is giving the borrower little to no chance of repayment while still keeping the borrower paying something to the shark. 

For full disclosure, I became extremely angry and cussed out the representative ; I am sorry for that but it does n't change the inadequacy of the disclosure of changes to my loan terms and capitalized interest. 

The phone call in XX/XX/2015 that I made that ultimately lead to me ( I only understand now ) to get off IBR and onto extended graduated payment plan was not enough information, enough disclosure to make this change. More clear written information about the consequences of these loan changes/choices must be implemented so borrowers do n't make the same decision I did that lead to more than {$12000.00} of interest being capitalized on my loan. THE EXACT COST - OVER {$12000.00} - OF MOVING FROM IBR TO EXTENDED GRADUATED SHOULD HAVE BEEN DISCLOSED TO ME DURING THAT PHONE CALL AND IT WAS N'T. 

What are my options now? I will never be able to repay my loans. I want someone to call me to discuss going into default on my loans. Nearly 4 years after gradudation my loan balance is over {$25000.00} more that it was when I graduated. I will never be able to repay this.
This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.
Provided with misleading and mixed information on the rate reduction program and my eligibility. When trying to reapply I 'm told I 'm just not eligible without reasoning provided. I was repeatedly transferred between different customer service agents who could n't answer my questions so they would transfer me to another representative on the same level. I was then told by a supervisor that I have to become delinquent on my account and accrue late fees and interest before I would become eligible again.
I completed an FHA Streamline mortgage with XXXX XXXX XXXX Bank and they sold my mortgage to HomeBridge. At escrow, I was given XXXX receipts for my XXXX and XXXX payments so that I would know where to send my payments until my account was setup and I could make electronic payments. After signing, I misplaced the coupons and asked my broker to re-send them via email, which he did. I paid my XXXX payment on time using the coupons he emailed me. 

In XXXX, HomeBridge called me to inform me that I was late on my payment and they were " attempting to collect a past due debt ''. They called me on my work phone line. I asked them to call back on my cell phone. I ended up spending around 45 minutes talking to someone about my mortgage. He told me that I owed them {$1100.00}, which was disconcerting because it was significantly lower than expected. I asked them if they had setup my impound account to pay taxes and home insurance. He said they had not and that I would have to fax my tax documents and my insurance documents to XXXX separate departments! I immediately called my broker from XXXX XXXX, and he said to ignore them and wait for my welcome packet in the mail sometime in XXXX and to continue paying to the coupons he sent me. 

I paid my XXXX bill promptly on the XXXX of the month. Then on the XXXX of XXXX, I received another call from HomeBridge saying I was late on my XXXX payment, but they had received my XXXX payment. I told them I mailed the check to the same place as I had in XXXX and the check had been cashed! She asked me to pull up all kinds of information as to where I sent the check, who I addressed it to. Again, I was at work. Again, it took about 40 minutes. Then I just received another call today! The woman who I spoke to on Friday apparently did n't take very diligent notes. 

This process is a waste of my time and is a huge disturbance at work. I feel harassed to talk to these incompetent people out of fear that they will mistakenly report a missed mortgage payment to the credit bureau. I want to emphasize that I have followed all directions that were given to me and both of my payments were cashed. This process has been sloppy and jarring. HomeBridge should be seriously reprimanded for their disorganized practice and harassment of new mortgage holders.
I am filing a complainant on Midland Funding, LLC. I have sent letters to Midland Funding, LLC on XX/XX/XXXX and to the local attorney office XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting debt verification on more than one occasion. They are claiming I owe {$2200.00}. Upon until  this point, they have failed to provide the correct information or documentation with my signature on it. I 'm requesting since this company have failed to provide me with the information requested, that this account be deleted and removed from my credit report.
MY REPORT REFLECT DIFFERENT VARIATIONS OF MY NAME, I WANT MY CORRECT NAME AND CORECT ADDRESS REFLECTED SINCE I HAVE A VERY COMMON NAME.
I have been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the Judge ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, Experian, XXXX and XXXX. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.
In XXXX I had a Tax bill and the IRS put a lien on my account in XXXX. In XXXX I worked with the IRS to withdrawl the Lien from my report and records which they did. XXXX and XXXX removed the Judgement right away but now after 2 or 3 disputes with Equifax they refuse to remove it regardless if I show the paperwork from IRS and Recorders office.
On XX/XX/XXXX I received a letter from Portfolio. The letter states that I owe XXXX XXXX {$900.00}. Account # XXXX. I filed a dispute in XX/XX/XXXX regarding this matter. This issue is dead ... I do n't remember this bill, and if I did { XX/XX/XXXX} it is out of the statue of limitation in the state of CA. I do n't want their error on my credit report. On XX/XX/XXXX there was an soft inquiry ran by Portfolio. They were running XXXX or XXXX soft inquiries a month for years. Please leave me the XXXX along. No more calling from different phone numbers.
Been fighting XXXX and Equifax for three years to report correct information. We supplied XXXX, Equifax and XXXX with a FAXED ( right from XXXX ) paid in full letter from the creditor XXXX XXXX XXXX, ( attached ) showing that the date paid in Full, XX/XX/XXXX was before the, " as of delinquency reporting in XX/XX/XXXX'', and there was no balance, of {$120.00}, yet they refused to remove the inaccurate information and update accordingly. I also complained to XXXX, multiple times in which they sent me the Paid in Full letter again and claimed they were going to contact the bureaus. I also filed a complaint with CFPB which I didn't get any accurate results and just the runaround. I had to file again with the XXXX against XXXX XXXX XXXX in XX/XX/XXXX in which they responded and sent me a letter claiming they had corrected my Credit reports ( attached ) and that I was in good standing dated as of XX/XX/XXXX, yet a month later I applied for credit and this account was showing up 90 days late, through a third party creditor but getting information directly through the main bureaus. XXXX the only ethical bureau at least removed the account from my report in XX/XX/XXXX. During this time I have had to get many loans with my credit compromised due to these Credit Bureaus not doing their job and abiding by the law. I has cost me money by having to have a higher interest rate as some scores were different by as much as 50 points with basically the same profile. XXXX, has claimed they contacted the Bureaus many times to report correctly, with no results and this went on for 3 years so far. I do not understand how this is lawful business.
In XXXX of XXXX, I contacted CBNA ( Home Depot Credit Services ) to close my account and set up fixed payments of {$22.00} a month until the account was paid off. I was NOT informed that since I had a past due balance that the closed account would still be reported as late to the credit bureau, even with making the minimum monthly payment of {$22.00}. Now, I have 5 late payments marks ( XXXX, XXXX, XXXX, XXXX, and XXXX ) on my credit report. These late payments should be removed since I was never verbally told or received info in the mail to explain that my account with CBNA would be negatively reported to the credit bureau. If I had known my credit was being adversely impacted I would have never set up the payment plan to begin with. I would have just paid the past due balance first, then set-up the payment plan. This does n't make sense. I have made every payment on time since the payment arrangement was set-up. I ask that the late payment marks be removed from my credit report so that all credit reporting is fair and accurate.
please have equifax delete this XXXX XXXX XXXX enclosed is a letter from the lender to delete the trade line
This company has done a credit check on me. I need to know why- was an application received for some sort of service? Through another party? Or do they have an account for me that I need to know about? I have been a victim of ID Theft and need to confirm what this is for. They do not answer any calls or return emails, I have been trying for over a week.
I received a phone call from XXXX XXXX, XXXX XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my notice XX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX that the Convergent would notify the creditor XXXX XXXX XXXX XXXX XXXX and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from Convergent stating that I had a balance of {$550.00}. on XX/XX/XXXX I called Convergent and spoke to XXXX XXXX who had advised that my file had not been closed, that Convergent had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at Convergent they would notify Convergent XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX. 

Client acct # XXXX Convergent acct # XXXX Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX XXXX Account # XXXX
In short, My signature was forged as a cosigner on a Tuition answer loan in XX/XX/XXXX by an XXXX XXXX XXXX employee in XXXX, Florida. In XX/XX/XXXX I started getting calls excessively from Sallie Mae about defaulted student loan that I did not authorize and eventually they started contacting my employer about wage garnishing. I requested the proof of this application and upon receiving it I realized that the signature is a fake. My printed name was misspelled ( as it is commonly by strangers ) and the relationship to the borrow was inaccurate. I submitted a fraud dispute in XX/XX/XXXX to Sallie Mae and it was denied. During my investigation I asked the Borrower who reports that she did not have a cosigner listed for this loan. She informed the school 's financial aid employee that she was not able to obtain a cosigner and she was told to leave the application with him and he would call Sallie Mae to see if they would need one. She was eventually told by this employee later that Sallie Mae accepted the application without a cosigner.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I was able to get a copy of my credit report and saw that I had numerous inquiries were not authorized by me. I spoke with several reps from Equifax and which no one was able to assist in the matter. I disputed them online and asked them to send me an updated copy of my report with them removed. Their response was simply giving me the definition of an inquiry, in which I am aware of. The second time I contacted them in regards to the situation, the representative was extremely rude and continuously cut me off when I was trying to explain to her the situation.
I have 2 hard pulls from XXXX XXXX 16. no way. plus the next one was a prequalified that hrrased me for years, then turned me down. 

PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP