WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, I open XXXX XXXX ( XXXX  ) card from Wells Fargo because I had a leaking that destroyed my floors during other remodeling. I was told that the card was interest free for 24 months. After I was issue the card 24 months changed to be 12 months. I wasn't able to refinance on time but was making maximum payments and from over {$5000.00} the balance went down to {$2700.00} and I was able to refinance, when I called to pay the remaining balance I was told that my interest just kicked in and from XXXX the balance when back up to {$4800.00}. Wellsfargo refused any negotiation to bring the balance down. 
I paid the balance down again to XXXX. and when loan closed and tittle company sent the payment Wellsfargo stated that now my balance was back up to {$4100.00} due to interest charged. Wellsfargo stated that I still owe {$130.00} after long conversation Wellsfargo agreed to bring the bill  XXXX and close the count ( that happened in XX/XX/18 ). I was out of the country when I came back I had another bill waiting for me from XXXX for {$64.00}. I called again around the end of XX/XX/XXXX-XX/XX/XXXX and requested that wellsfargo follow are agreement bring the count XXXX  and close it. after 1hr conversation between different people and finally a supervisor they agreed to close the count at XXXX. XX/XX/XXXX I received another bill from Wellsfargo for {$100.00} to be paid. I called and asked why this count still generated fees has from my last conversation we agreed that the count was XXXX and closed. The customer service I was speaking to stated that they just credit the late fees and the balance of {$64.00} unpaid generated another fee which is why it's XXXX But the count is close. So I said " Can I please speak to a supervisor, because I will not close the count if there was any balance that don't make sense to me. What I remember is that after we brought the count XXXX  he was supposed to be closed ''. Customer service said Ok, went and come back telling me that actually my last conversation was XX/XX/XXXX and I was still owe this balance. I told her that she just told me 5 minute ago something different that was in her computer and that she stated that the count was been closed. I was upset and asked her how she can lied like this in my face. When supervisor come I can her sarcasm in his voice. He was noshes insisting on the last statement of the customer services. I was very upset because this card was a reap-oof for me and they still trying to squeeze out me anything they can. 
I was paying the bill from my Wellsfargo online billing. their system always was confused using my joint count that doesn't have any payment set. charges my individual and joint alternatively, and always charging me late fees when I wasn't late. All wanted is to paid this balance and I did, but they won't let me be debt free from them.
On Friday XX/XX/XXXX I was attempting to make a purchase at the XXXX XXXX XXXX XXXX XXXX department in XXXX XXXX, XXXX XXXX. I swiped my card and was told that the transaction did n't go through because the fraud department had put a block on my card. 
No explanation was given, the clerk in the department had my passport, and my XXXX XXXX card, I was allowed to talk to fraud department. I explained to them that I had made many around 25 purchases, as some purchases had to be done separately to get credit or additional percent off. 
The supervisor of the department asked if they could send me a text to my cell phone. I reluctantly agreed and was then told since I have phone service through XXXX, they could n't send me a text because they could n't verify me. I do n't pay a monthly bill and the phone is a smartphone, just I buy blocks of time as needed. 
So the issue was never resolved. On Saturday XX/XX/XXXX I received a letter in the mail from XXXX XXXX Fraud Prevention, claiming that I needed to call them right away because they had been trying to reach me but were unsuccessful. I called the number sat on hold, and then someone picked up the phone and hung up. It was at that exact time as the department had just closed. 
Today XX/XX/XXXX i called and asked for a supervisor, I talked to XXXX. Well frankly I yelled and swore at her. I had entered my information into the automated system, with the specific phone number XXXX which is for the Cardholder Protection Department. I was told that the information I enter on the phone does no t get passed through to the agent or supervisor if one is needed. SO WHY AM I ENTERING THIS INFO IF IT DOES N'T GET PASSED THROUGH. 
I had to give XXXX all this information to verify who I was, I was still not able to get my account unblocked. We went through the same XXXX about getting a text to my phone. I CAN GET TEXTS, THEY ( XXXX 'S FRAUD DEPARTMENT ) CA N'T SEND ME A TEXT BECUASE THEY CA N'T VERIFY MY NAME ON THE PHONE OR SOME XXXX LIKE THAT. 
So XXXX asked me questions from available public records and I passed the security questions that I should have been able to do at the store on XX/XX/XXXX but, hey maybe they wanted to go home and did n't want to ask questions. Who knows. 
but they finally unblocked my card. 
XXXX, kept on saying that she understood how frustrating this must be and that they wanted me to use my card. However, they were not protecting me, and why would I want to use a card that caused me so much trouble. Would you want to use a card from any business if they unceremoniously blocked your card?
I 'm writing about a check that was processed thru Chase Bank on XXXX/XXXX/XXXX for XXXX. The check was signed but not authorized to be put through our checking account had an available balance of about XXXX in it. I had a few other thing that was pending that got pushed up and I received overdraft fees for those items that was pending ahead of the check. I called Chase to resolve the issue that stated it 's nothing they can do to call the merchant because it was paid. I asked Chase why would they pay this item without the funds available Chase stated they decide which items get paid or return. This check was attempted to be deposited on XXXX/XXXX/XXXX and it was returned because I only had XXXX cent available and I got a a XXXXfee now all my recurring items are being returned and I 'm getting fees. Chase will not work with me.
On XX/XX/XXXX we told supervisor XXXX to stop calling this number. On XX/XX/XXXX we told operations manager XXXX XXXX to stop calling us after we were called by them again. On XX/XX/XXXX after they called again we told operations manager XXXX XXXX to stop calling here. We told them all that this is our church office and they are calling the wrong number. XXXX refused to stop the calls. I have called my lawyer to report the harassment.
I filed a dispute with the credit bureaus. the account doesn't belong to me and I request validation of said debt in line with the FCRA. Also i did not sign any HIPPA release that releases my information to any third party and this is in violation of my rights and i want it take off my credit report expeditiously. 

If not done so within the legal amount allotted time i will be seeking legal action against this company. 

Best regards, XXXX XXXX
While checking my Equifax credit report, I noticed that unauthorized and fraudulent inquiries were made by XXXX of XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry by anyone employee of XXXX. This conduct is in serious violation of my Privacy Act and FRCA Section:16:1 b ( c ). This inquiry was unauthorized and is fraudulent.
Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. Equifax has not responded as well. the company hasn't provided information either. I've attached supporting documentation and information. This is a serious error in reporting and I would like this matter to be resolved.Equifax reinserted and added without my knowledge. Also, keep reporting the account to further drop my score. Accounts appear to be duplicates as well. I have no knowledge or obligation.
I am a XXXX and a single parent who makes only XXXX an hour. I have been trying to get on a payment arrangement and they keep denying my request. On both my XXXX and XXXX credit report, the collection company by the name of Enterprise Recovery Systems, is claiming that I owe {$24000.00} which is all incorrect. The only amount I can pay them is {$25.00} a month. The first time they notified me about this debt, I took the time to respond within the 30 days granted to the consumer to dispute the validity of the said debt. I even called and spoke to someone and was told that if I made a payment that it will not be reported to the credit bureaus. All I can afford is {$25.00} a month. I was threatened and told that all they can accept is {$250.00} a month. They keep calling and harassing me. Disguising their numbers as if they are calling from NJ. I even lost out on a government job offer because of this. These people are damaging me and causing me emotional distress.
I get a letter in the mail from my jobs HR dept. telling me that wages are going to be garnished, and I was like what!!! I never got any notices in the mail stating that I was going to be sued or anything. I do n't even remember this debtime of credit card. I have had fraudulent activity on my credit score and stuff. So, they do n't even give me a chance to call or anything they hit me with the judgement and started to garnish my wages! I never signed for a judgement, never got notified of any at that, and they send me a paper saying the debt is {$600.00} and they are garnishing my wages for {$2800.00}!! This is sick! XXXX, new financial services, and resurgent are considered and thieves. They make their own judgement without properly letting the person know, or anything. I do n't make much money and this has crippled me! I call and they do n't care. This is False practice and very wrong and illegal.
Both Convergent outsourcing along with XXXX XXXX XXXX, are still attempting to extort money from me. Every year XXXX XXXX try 's the same crap.Every year they use XXXX of their many subsidiary companies to threaten and bully me. This year it is convergent outsourcing doing the dirty work. Allegedly I owe XXXX XXXX {$4200.00} dollars this year. As always neither XXXX XXXX nor any of their affiliates provide any legal documentation that that could be used in court to validate this fraudulent debt.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Transunion but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Equifax had a breech of security early in the year and failed to notify the public. I now have my information on the dark web. I have had my XXXX card compromised even though I had the card on my person including my identity was stolen. They were able to obtain my address, cell phone, address, account number with the security code on my XXXX. I just recently had my email attacked and XXXX shut it down for an entire afternoon for suspicious activity. I am a XXXX and my cell and email are my business!
I have a dispute in with Equifax. Confirmation XXXX. It was submitted in XX/XX/XXXX 2017. It is still in " Pending '' status. When I try to contact Equifax over this, they continually state my credit report does n't match my file and I need to contact them over the phone. I can not contact them. The call remains unanswered, or when transferred, remains unanswered. I just want the Confirmation XXXX resolved. Thanks.
I have 2 negative reportings of 30 day lates on XXXX and XXXX : XXXX   XXXX and XXXX of XXXX This reporting inaccurate and does not exist on XXXX. 

I've had the since XX/XX/XXXX, almost 3 years and I have never been 30 days late.
On XXXX my account at US Bank was XXXX and some change. On Tuesday XXXX 2015 I was charged an extended overdraft fee of XXXX because my account was negative XXXX and some cents. So on that same day I deposited XXXX. To cover the overdraft fee because customer service stated they could not wave the fee. Today I now have another extended over draft fee XXXX/XXXX/15 with no explanation. Not to mention that I am enrolled in overdraft protection and have not made any transactions since XXXX This is insane!!!!
XX/XX/XXXX  redeposit at maturing  XX/XX/XXXX   ( CD 's # 2 of  them.  Deposit  made by merger, from  XXXX   XXXX  had merged to  Peoples  Bank.  Peoples  bank made a search but it was denied that the funds were still viable who also said we have no recourse. We have the  CD  's in hand, after we were looking over banking info in our financial documents in apartment we foun d   XXXX    cd 's. Before the divorce my son and I had a different name. After the divorce we both changed our last name. The amount of {$18000.00} was payable in my husbands name, but he never received the Cd or any money. I hope to find or litigate the missing funds into my possession. My name before the divorce was  XXXX , afterward my son and myself changed names to  XXXX .     AMOUNTS  XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX
I opened a XXXX  XXXX XXXX in XX/XX/2018. When it came time to make my first payment ( for a bill that was due on or around XX/XX/XXXX ), I first tried to make an online payment on XX/XX/XXXX and inadvertently entered the wrong bank account information online. This should have been an easy error to correct, but XXXX   failed to notify me ( either by phone, mail or email ) that the payment did not go through. A couple of weeks later, after noticing that the payment had not been deducted from my bank account, and a couple of days before the XXXX  XXXX XXXX bill due date, I attempted to make the payment again on XX/XX/XXXX with the online payment information that has been saved to my account. On XX/XX/XXXX, after noticing that the payment still had not been deducted from my checking account, I called XXXX  XXXX XXXX customer service. Although I had signed up for email alerts and first attempted to make a payment several weeks ago in XXXX, that call was the first time I was informed by XXXX that my payments had been rejected, that online payments for the XXXX XXXX XXXX had been suspended, and that my XXXX XXXX XXXX had been canceled. I paid my bill over the phone with the correct bank account information ( which was deducted from my bank account the next day on XX/XX/2018 ). 

If XXXX had timely informed me when my first online payment was rejected, I could have fixed the bank account information and paid the bill well before the due date. When I complained to XXXX  XXXX XXXX customer service about this lack of notice, I was told that XXXX had no obligation to notify me of returned payments or account closures. In fact, I did not receive a written notice from XXXX  informing me that the online payments did not get processed until XX/XX/XXXX ( with the letter dated XX/XX/XXXX, the same day I called XXXX XXXX XXXX and made a payment via the phone ). That same day, I also received a letter from XXXX  ( dated XX/XX/XXXX - the day before the letter notifying me that my online payments had not been processed ) announcing that they were closing my account because of too many returned payments. 

I used to be a frequent customer at XXXX but after my terrible experience with XXXX XXXX XXXX, I will avoid shopping at XXXX going forward.
Cable service has sent convergent XXXX # XXXX a report of past due bill {$100.00} and have resubmitted back to the credit agencies on XXX 2017. XXXX XXXX has either paid that bill or it is n't her 's and would like to dispute the charge and remove it from her credit reports..
Jeffferson Capital has put a discharge on my credit report for a XXXX XXXX that I never had for {$800.00}. I asked them to send me proof of charges and what they sent me are bank charges of {$150.00} per year for a card I never had. This dates back over 7 years ago. There is a court order stating that they can no longer try to collect for XXXX XXXX which I am attaching. Can you please help me get this off my credit report. I have been trying for almost a year and they refuse to work with me. Is it possible for me to get a letter stating this is being removed so that I have written proof.
I contacted One Main Financial for an installment loan of {$1500.00}. I was contacted promptly by the store located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. After leaving the store I realized I was also sold various insurances that I did not need for another {$1500.00}. So even though I only needed a {$1500.00} loan I was sold a {$3000.00} loan. I 've ran into some issues paying the debt due to a increase in child support. I contacted One Main Financial and asked that the insurances be canceled and a final balance sent to me for payoff. The company has refused and instead started a constant barrage of phone calls to myself, my employer, family, and parents. They call at least 10 times per day and my employer is getting upset. My parents are also upset as they are over XXXX years old with XXXX XXXX. Yesterday, my parents were waiting on a phone call from the XXXX XXXX. regarding a XXXX XXXX XXXX result. Instead they were met with more calls from One Main Financial.
I have XXXX student loans with Navient/XXXX. I have just heard of the lawsuit that has been brought against this company. I am not sure what is going on with my loans, but I need help. I graduated in XX/XX/XXXX. I do know that I reconsolidated once and then at one time my loans were frozen ( for one semester ) while I completed XXXX in XX/XX/XXXX. However, it appears that the amount I have paid, the majority goes to interest. As you can see from the XXXX attached statements of my account, the current balances are n't much less than the original principal amounts of the loans which were issued in XX/XX/XXXX. I am not sure what 's going on. I have been seeing money go out on a monthly basis and no progress made, which is usually around {$260.00} per month. The majority of this payment goes to interest, leaving the principal almost untouched. Navient does not give the option to pay more than what they request on their website, and I feel that something is wrong with my account and how Navient/XXXX has handled it. I question it further now, seeing as the lawsuit against them has just come to light with the complaint of very similar issues. I have been told by Navient that these loans were to be paid off in 10 years. There 's no way. I graduated 9 years ago and the payoff date listed on the account is XX/XX/XXXX??? Somehow I still have 8 more years?? Something does n't add up here. I need help. There is no way that with the payments I 've made, and the interest they 've charged, that these loans will be paid off by that time. I have made almost no progress on these loans and have been charged so much interest, my balance is just now getting below the principal amounts. Please help me. I feel that this company is robbing myself and XXXX others blind.
Tried to open a credit union account in XXXX, Ca - was told that there was a freeze placed on my social security number in relation with my credit due to a fraud alert which I did not submit but which was submitted through experian using my information. I called experian to have the fraudulent freeze removed only to be told I was not allowed to access the information because I was not the individual who initiated the freeze and was hung up on by the agent after being offered to pay {$300.00} to join a program to eliminate debt. I acted with integrity and was told I was not allowed to access my own information by and through experian. I now can not do anything with my finances because of this fraudulent freeze placed by someone other than myself but who used my social and clearly enough information to successfully place a freeze on my social and credit profile. I demand to know the IP address or mailed submission which initiated this claim and I demand to have the recorded phone conversation I had with the experian agent who illegally denied me access to my account and the possibility of removing this fraudulent claim thereby making my financial situation unlivable and extremely traumatic. I also demand this fraudulent freeze be removed IMMEDIATELY and that I receive the information of all the responsible parties previously mentioned as I am seeking legal action to the fullest extent. 

I can not attach any relevant documents regarding my credit or this freeze clearly because of this fraudulent activity as I was and am now denied access to my OWN credit information and specifically this erroneous freeze.
I was contacted by a representative representing Nordstrom Card Services back in XX/XX/2018. After advising her of my hardship, she recommended that I enroll in their re-aging program which allowed me to pay 3 monthly payments and then once competed successfully the account would be re-aged and brought back to good standing. I completed the program in XX/XX/XXXX. The account has yet to be re-aged and is still reporting negatively to the credit bureaus. Ive reached out at least 4 times to have this resolved. Spoke to someone twice who stated they would send the account back to a supervisor to have it re-aged. They advised it would take two weeks. Its been 30+ days and it is still in the same status. Ive attempted to call back again ; however, I am only allowed to leave a voicemail for a company called XXXX XXXX. Both representatives initially advised me to enroll in the program again as if I had never enrolled previously.
COLLECTOR AND WENT ON MY CREDIT IGNORED CEASE AND DESIST AND DO N'T CALL ORDERS, THEY FAILED TO VALIDATE SAID DEBT AND CALLED MY MOTHER. 
THE ORIGINAL CREDITOR GOT PAID LAST WEEK BY CAPTURING MY FEDRAL TAX REFUND AND TOOK XXXX AND {$460.00} FOR 2012
A caller from someone claiming to be from Evans Law Associates continuously calls my family, and myself. The person on the other end of the line is very rude, swears at my family members, and threatens ridiculous things. Their callback number is XXXX XXXX XXXX. 

When I call the law office they have no record of me so this is obviously a scam.
Attempting to release co-signer from loan. Primary loanee has met all stated requirements ( at least 12 months consecutive on-time payments ) for over 20 months. Each time request is made the lender rejects the request, finding new reasons to deny the the request.
I have a loan with DPT ED/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DPT ED/NAVI with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.