WillisBack/dataset-financial-user-claim huggingface dataset:
I am undoubtedly a victim of XXXX XXXX " victim issue '' and have made an attempt directly via phone to have this corrected but was met with a customer service representative who refused to identify herself for reporting purposes and essentially denied consideration of deleting such fraudulent inquiries : XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Oil companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address C/O XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Oil companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX. 
Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
I went into the bank on a Saturday and asked the teller to look up my account and issue me the balance of the account. I did not specify the amount as I wanted to make sure any pending transactions or charges I was not aware of in the past 24 hours since reviewing my balance were accounted for. I did not specify how to issue these funds as I did not care. I was issued a cashiers check that day. I received an overdraft notice a week later advising that I was XXXX overdrawn with that transaction and was incurring a fee. I tried to resolve the issue by asking why the XXXX overdraft and why they felt it moral to charge me continually fee upon fee on what, I believe, is a charge not accounted for for the cashiers check she issued. I 've been refused a waiver of these fees, instead they continue to charge me and send threating letters. I 'm asking that they explain how the XXXX overdraft was incurred and waive the astronomical fees ( over XXXX now ) on this XXXX overdraft error they caused.
Honda Finance Services has an Easy Pay service which automatically withdraws a monthly payment. They withdrew this monthly payment twice. This is apparently a routine problem with them, and is affecting XXXX people today. There is no way to contact them to report a problem or resolve it, other than a toll free number that is not working today, and at the best of times does not allow direct contact with a customer representative.
I have been applying for a loan modification with Nationstar mortgage for the past year and still have not been able to get Nationstar to review my documents. I have completed all documents and Nationstar has verified they have been accepted except for my profit and loss statement. Thus I redid the profit and loss statement and sent it back to them. Again Nationstar has sent me a request for yet another XXXX and not reviewed my modification. This has been repeated five times now since XXXX 2016. I have done a year to date XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and submitted it four times in 5 months. I fear that all of my other documents for the loan modification they have accepted will soon expire while this delay is taking place.
on or about XX/XX/2018 i was trying to obtain a small personal loan i answered what seemed to be a professional ad i was going through the process like normal on the phone with the company after most of the transaction was complete and my account info was given for a deposit to be made via ach method which i know is common they had all of the sudden asked for what they called an insurance payment to be sent i immediately told them no and wanted nothing more to do with their company as this was a red flag i then looked at my account and noticed several payment i had made prior had been disputed and put as a credit in my account there was a credit card payment car insurance payments and even a withdraw from an actual chase atm at my branch concerned i raced to chase bank and closed my account with a manager and told her what was happening these crooks were able to dispute XXXX dollars in payments i had previously made and withdraw all of it from my account this is a clear case of fraud as i know and was told by several chase branch managers but after working with the fraud department at chase they are not refunding the money that was stolen the did give a temporary credit which i used to repay my bills that had been reversed after a few weeks they told me i was responsible for the amount stolen this is an outrage and very unprofessional i sent all they asked for and they still will not credit my account i just dont understand i also think some one at chase is working directly with the criminals and i told chase that as well i have no idea how they can be so negligent and allow my account to be compromised in this way the way the fraud department is handling this matter was even a shock to chase management themselves they all noticed a clear case of fraud there is even a charge for a currency exchange thamk you for all your help as i have nowhere else to turn
I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly 80 points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
XXXX XXXX via XXXX XXXX. I fully paid off my balance. I had XXXX due. I have paper bills with XXXX dollars due on them. I just noticed they started sending me bills for late fees on my XXXX dollar balance. I want the charges reversed and the inaccurate information removed from my credit report. I did call and explain to them what happened and let them know I would report them to the FTC and the customer service rep told me to go right ahead.
Identify was stolen I provided XXXX XXXX XXXX with the police report. XXXX XXXX XXXX   verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.
I have my mortgage setup with Wells fargo. On XX/XX/XXXX my mortgage was paid for the month. Then on XX/XX/XXXX Wells Fargo drafted another mortgage payment from my account without my authorization. I called Wells Fargo on XX/XX/XXXX when I found out that they drafted from my account without my authorization. They started off by laughing at me and telling me to get a lawyer so I called my bank ( XXXX ) and reported it as fraud. I was told that my money would be put back into my account the next day and it was but today XX/XX/XXXX Wells Fargo drafted from my account again without my authorization and even after I reported it as fraud to my bank. Because if this I have around .300.00 in overdraft fees and now also missed payments for my electric bill, propane bill and my wifes car payment. What can I do about this fraudulent activity taking place from Wells Fargo and XXXX?
I signed up for the XXXX credit card with the offer of XXXX points and {$0.00} annual fee for the first year. Later, I found out that I was charged the {$95.00} annual fee less than 1 month. I am certain that it was shown {$0.00} intro annual fee for the first year and {$95.00} after the first year with a XXXX bonus on their website when I signed up for it. 

I have contacted Chase through Chase secure message center and called their customer service line, I got the same answer from both sides where they refused to refund the annual fee.
In to my credit report In XXXX appears a auto loan in Banco popular # XXXX with balance {$5400.00} in voluntary surrender that don t belong to me, with XXXX appear the same account paid as agreed open with 2 past due that don t belong to me. This account belong to a XXXX XXXX XXXX mixed in to my credit report with the addresss in XXXX XXXX XXXX XXXX Ct XXXX, XXXX In XXXX id reporte a name that don t belong to me XXXX XXXX or XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 180 days past due as of XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
I 've had the US Bank XXXX business card for several months. For several months ( despite me spending hours on the phone trying to fix it each month ) when I log into my online account my balance appears as XXXX and there is no way for me make a payment if I wanted to. Each month I log in and see no balance due, then a couple weeks later I receive a letter in the mail tha my account is delinquent. I call, I get a run around on why I ca n't see my account online, and no on has been able to fix it. I 'm transferred between customer service and web support between personal reps and business reps, etc. This is clearly a deceptive practice as they are showing me my account is on time and paid in full, but then they tell me it 's not.
I was invited by Citibank to start my CitiGold relationship and earn a {$500.00} cash bonus under promotion code XXXX. During the past six months after I opened my CitiGold account, I have written confirmation from XXXX different CitiGold Customer Service representatives ( attached References XXXX, XXXX, XXXX ), whom also received confirmation from Citibank New Account Servicing ( NAS ) that indeed my CitiGold account was opened under and eligible for the {$500.00} cash bonus promotion XXXX. As required for the promotion, I completed my {$50000.00} deposit on XXXX XXXX, 2016 and held the funds in my account for 30 calendar days through XXXX XXXX, 2016 when my 90 day wait time began. My 90 days ended on XXXX XXXX, 2016. My savings amounting to over {$50000.00} has been tied down to this account for six months now with repeated assurances that I was eligible and would be receiving the {$500.00} cash bonus by XXXX XXXX, 2016. Citibank needs to immediately resolve the matter and deposit the {$500.00} cash bonus due to me.
In 2013, I had a XXXX Credit card with Capital One Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.
In late XXXX XXXX, my husband and I began the process of applying for a HELOC. We were approved by both banks for which we applied to ( my credit union and our current first mortgage holder, Chase Mortgage ). Ultimately we decided to go with Chase, they agreed to lower our originally approved interest rate to be in line with the approval rate received by the Credit Union. Also, we assumed the process would be streamlined, quicker, and easier with Chase as they held our first mortgage. 
Unfortunately, that was not the case. We experienced many delays and back and forth due to internal errors such employees misrepresented loan rates, misadvising of company policies, and engaging in dishonest loan origination practices. Additionally, delays were caused by Chase employees inaccurately sending the paperwork to the underwriters incomplete and subsequently, sending the paperwork a second time with erroneous information. 
Their internal errors resulted in the loan process going over a 60 day period. I was advised of the potential of another credit inquiry as is generally their policy if the loan process goes over 60 days. As a result of this information, the loan process timeline, and rate discrepancies we advised Chase of our intentions to pursue the loan with my credit union and forgo the loan with them. However, Chase guaranteed the rate issue would be resolved and guaranteed, as the delay was their error, they would not pull my credit nor my husband 's again. We agreed to the loan under those aforementioned conditions. 
The loan was signed on XXXX XXXX, XXXX. As of today XXXX XXXX, XXXX our credit monitoring has advised that on XXXX XXXX, XXXX Chase Mortgage has completed a hard inquiry on both my husbands and my credit report. These inquiries are illegal and unauthorized. This is a violation under the Fair Credit Reporting Act.
My loan was transferred to Nationstar mortgage from XXXX XXXX XXXX. When an escrow analysis was completed, I was notified I needed to have an additional months worth of cushion in my escrow account which increased my monthly mortgage payment. I tried contacting Nationstar to request the extra month be waved since my loan was a transfer and I had no choice in the matter, so I felt I should be able to keep the same cushion in my escrow account as my previous mortgage company. I attempted to contact customer service about 5 times and was disconnected before being able to speak to a person directly. I wrote an email to Nationstar through their email portal and received no response after about 2 weeks.
To whom it may concernXXXX XX/XX/XXXX XXXX XXXX XXXX sold our loan to Nationstar Mortgage. In XX/XX/XXXX we received notification that as of XX/XX/XXXX, we are to make our " regular '' payment to Nationstar Mortgage. 
We never signed any documents with Nationstar or anything. We were advised that nothing should change. So as of XX/XX/XXXX - XX/XX/XXXX all was fine. XX/XX/XXXX our payment goes up by {$200.00}. 
I start calling Nationstar to get some kind of assistance in understanding how is it that my payments are going up by {$2400.00} per year. The only response I am able to get is that " oh no ma'am, we did an escrow disclosure statement and that is what it shows. '' So, basically they do n't feel that they need to explain anything to me. I made at least XXXX phone calls and no one has helped me. I have made EVERY single XXXX of my payments on time ( see attached copies of each payment ). However, they show that we 2 months behind. Our credit is shot because of this. I am unable to get any supervisor to help me straighten this out. I manage to reach someone who seemed to want to get this resolved and for a month was actually corresponding with me via email ( see attached ). He referred this to a supervisor who is yet to contact me. I emailed him all of my figures along with copies of the checks that I returned back to Nationstar. Nationstar has no locations in California so I am unable to go into a branch to speak to anyone. We were sent escrow statements in this period of time. They are quite confusing. I created my own statement of what I have confirmed that Nationstar paid for us and what we paid to Nationstar. By my figures, we over paid Nationstar by {$5400.00}. I am attaching my own figure that I have also forwarded to them. 
We are at our wits end with this. 
Please help us get this resolved. 
Regards, XXXX ( XXXX ) XXXX
I reported this issue with Equifax before that they keep reporting wrong last name in my credit report as XXXX XXXX instead of only XXXX XXXX. I submitted documents which shows only XXXX as my last name not XXXX and I wanted that wrong spelling last name of XXXX XXXX to be removed from my credit report.
I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor  they stold me all my information and make lons and i have problems now
Hello, So I have an account with XXXX and XXXX that popped up on my credit report a few months ago. This is total fraud as I have had XXXX XXXX XXXX for the past 3 years. I have filed a police report on the incident, sent the documents to the credit agencys as as XXXX and XXXX. However, it is still pulling on my credit. The accounts are not mine and they will not take it off. I've asked for a validation of the account and still nothing. 

Please help. 

Regards, XXXX XXXX
My best friend received a call, today,    XX/XX/XXXX  ,  stating that  XXXX   XXXX  was trying to contact me for a debt. When I called the company, they called me back private, so it went straight to  Voice  Mail. I then called back at the number she left for me,    XXXX   XXXX   XXXX  ,  and was immediately placed on hold while they looked up my records. She then informs me that   XXXX   XXXX   XXXX   was attempting to collect a debt from a payday loan I received in    XX/XX/XXXX  I informed them that I could n't recall that loan, and asked for details. They stated that they were not a collection agency, but a mitigation company attempting to mediate the issue out of court. She then went on to say that they would attempt to collect 3 times the amount owed plus {$500.00}, but that I could pay {$410.00} today to settle the debt. I told her again that I did n't recall, and asked for a debt validation letter. She then transferred me to a supervisor. The supervisor got on the line and tried to bully me into paying. She stated they did an asset evaluation on me and asked if I owned  XXXX  vehicles,  XXXX  is my current vehicle, the other I have n't had for years. She said they we 're placing a lien on my car, and would also be taking me to court. I told her that I needed a debt validation letter, and she said they did n't have to send me anything because I was n't calling the shots here. I asked for the name of the company, she stated it was   XXXX   XXXX   XXXX   At some point in the conversation, she also stated that the debt was from  XX/XX/XXXX , not  XX/XX/XXXX .  I called   XXXX   XXXX   XXXX   and they could not find a loan for me. The claim number she gave me is :  XXXX .
I HAVE 2 UNAUTHORIZED HARD INQUIRES by Cbna Last Reported by XXXX XXXX XXXX 2017 - XXXX XXXX XXXX XXXX. Posted on my XXXX Credit Report that are not on my XXXX Credit Report. I have not applied for any additional credit cards as I only possess one credit card the XXXX XXXX to rebuild my credit. The rest of my processes are for credit repair. Please investigate and remove thes two Hard Inquires from my XXXX Credit Report. I contacted CBNA Customer Service but obtained no satisfaction.
Former complaint number ( prematurely closed ) was : XXXX I requested credit reports online from all three major bureaus, XXXX, XXXX, and Trans Union. XXXX and XXXX  responded properly. 

Trans Union refused, saying it could not provide my report and I must request it via USPS, which I did. 

It then responded that it could not verify my address and asked for two pieces of proof, which I provided. 

It then responded that my report is " blocked, and that is suppressed. 

I requested your assistance. TU then demanded proof of my SSN and I provided copies of THREE documents showing it, including the actual SS card and one from TU itself some years earlier. 

As of this date, more than six weeks later, TransUnion continues its refusal to provide this report and has, in fact, not responded to my submission of SS number proof. 

I believe this to be a clear and blatant violation of the Fair Credit Reporting Act and am requesting your assistance in compelling compliance with the Act. 

Thank you.