WillisBack/dataset-financial-user-claim huggingface dataset:
From XX/XX/XXXX, since I started to enroll in the XXXX, so I was deferred from the monthly student loan payment. However, last XX/XX/XXXX, I wanted to pay at least interest only for the loan without principal even under deferment, so the interest wo n't accrue. But the payment that I wanted to make was not able to go through via NAVIENT online. Each time I click, " submit '' my payment, the message pop in saying " You have an issue in your bank account, we have received returned your payment, check and get a verification letter from your bank. '' Thus I visited my bank and found no issue on my account. My bank gladly wrote a letter about my bank account has been valid. The letter was faxed, mailed to the fraud department of NAVIENT on XX/XX/XXXX.

I also called to NAVIENT to speak this issue and ask them to resolve, so I can make a payment. However, the customer service ca n't do anything for me. They ca n't receive my payment over phone directly by customer rep. Each time I called, customer rep only able to transfer my calls to fraud department. But the fraud department would never receive my calls and try returning to my calls after I leave messages. I wanted and still want to make my loan payment interest, so it wo n't build up like snow ball. But NAVIENT negligent to cooperate with me, hindering my payment process. I also attach the letter from my bank here to help your investigation.
I received a call from XXXX on Monday XXXX/XXXX/15 at XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX XXXX of XXXX on Friday XXXX/XXXX/15 at XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt to Sears for {$850.00}. He claims I opened this account in 2005. 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.
Called in to customer svc to make XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.
JP Morgan Chase Bank Dear Sir/Madam : I am writing to you in connection claim # XXXX regarding to my XX/XX/XXXX debit card transaction in the amount of {$15000.00} USD to XXXX XXXX. I am filing my claim for a refund under the Visa Chargeback Scheme rules against XXXX XXXX - a binary options broker for the breach of contract ; XXXX XXXX failed to deliver services as promised per conversation with their director - XXXX XXXX and as stated on their website. My husband ( XXXX XXXX ) and I opened the account with XXXX XXXX with the promises that we can withdrawal our deposits in three months once we elevated our account to Diamond status that we will had a dedicated manager and expedite withdrawal. We were n't able to withdrawal our funds upon request and our dedicated manager stopped calling us in XX/XX/XXXX of XX/XX/XXXX and our online trading account were locked out. XXXX XXXX is breach of contract upon the failure to deliver services after XX/XX/XXXX and the actions taken to lock our account with a balance of {$71000.00} USD. Therefore, we are filing the refund under the Visa Chargeback Scheme rules which afford us 540 days from the date we initially sent the money ( XX/XX/XXXX ). I 've attached all documents and communications as part of the this chargeback process. This includes the payment processor platform that is complicit in this scam. XXXX XXXX XXXX is the name on the payment but it 's XXXX XXXX that handles all of the payment transactions. The contact person is XXXX XXXX. Please feel free to contact me at XXXX. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Have disputed MULTIPLE times. Submitted court documentation of lawsuit dismissal. Still is n't being removed from equifax. XXXX removed it without issue. Was told by equifax on phone debt was verified. I asked to see a copy of the paperwork with my signature confirming debt. They told me they did n't get that. I asked how they confirmed the debt, without it since the courts dismissed it due to failure to provide proof of debt. The woman on the phone responded " it is going to be removed at the end of the year anyway, what does it matter ''. 
I have been denied credit due to this, and have a high APR on a loan due to this being on my report.
I have refinanced my Navient private student loan. The loan was paid/refinanced at the beginning of XXXX 2016. There was an overpayment in the amount of {$1600.00} which is to be refunded to XXXX, the company through which the loan was refinanced. Navient has been contacted numerous times by XXXX and myself requesting they return the overpaid funds. They still have not returned to funds to which they are NOT entitled to. This money must be refunded to XXXX in order for them to make corrections to the balance on the refinanced loan. There is a limited amount of time for this money to be returned and processed as a refund which in turn will decreased the amount refinanced along with the payment. Navient has no claim to the overpaid amount and should return it immediately to XXXX.
I applied for a Discover card in order to balance transfer from another credit card. Discover blatantly and openly stated that it would be 0 % for 18 months on the disclosure that was given to me. Upon being excepted for the card, they then sent me another disclosure saying it was only 15 months at 0 % and that there was nothing I could do. I then received a fraudulent email from Discover stating that my payment was past due when I had only had the card for less than a week and a half. I call Discover and said why was I getting this email and the representative said that it was a fraudulent email and to ignore it. The representative went on to say that I would receive a statement within two weeks. I confirmed my address once again with the representative. Sure enough, I still have not received a statement. When I called back in to ask where my statement was they told me that my payment was past due. I told them to confirm the address I had on file, and sure enough it was wrong again! Ive been asked to speak to a supervisor and was told that I would have to wait 24 to 48 hours before one would call me back. I just missed a call which my phone identified as a possible scam and so I did not answer it. Then a voicemail was left saying it was Discover card and I had to start the process all over again. This company is openly deceiving customers and committing fraud.
Over the years I was steered toward taking multiple forbearances while struggling as a young professional. I was encouraged by XXXX XXXX and navient on multiple occasions over the years of XXXX to XXXX to take forbearance on my loan since I had a very high cost of living in XXXX XXXX. Over that period I feel like I was recommended that course of action every year when I would call to tell them I was poor and struggling. They managed to get several thousand more dollars out of me and I will be paying my loans until I am XXXX XXXX XXXX.
On XXXX XXXX, XXXX, I transferred XXXX euro to Coinbase. 
XXXX XXXX, XXXX, I received notification from Coinbase that they were rejecting the deposit and returning the funds to my bank within 2 business days. 
XXXX XXXX, email from Coinbase Support says it has located the transfer and that it has been returned to the originating bank. 
XXXX XXXX, XXXX : From Coinbase : " I can confirm this transfer has been properly documented. Our engineers and payments team are working to resolve. '' XXXX XXXX, XXXX : from Coinbase : " Our payments team processed a large batch of reversals over the last couple days. I can see your reversal has started, and will likely complete early this coming week. '' XXXX XXXX, XXXX : I send an email to Coinbase offering to alternative payments methods to get my funds back to me. I receive no response. 
XXXX XXXX, XXXX From Coinbase : " We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. '' I have sent roughly 50 emails in total since XXXX XXXX, XXXX in order to get the above four responses from Coinbase. Even though they acknowledge the error, I have yet to receive my funds back from them. 

I simply would like the immediate return of my XXXX euros as promised by them.
The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action
I attempted to cancel an automatic payment, but soon after another payment was taken, and the attempted cancellation did not go through their system. I asked the company to return the overpayment, and they stated that it would take XXXX days. It took XXXX months. During that time, I had {$1000.00} of bank charges for bounced transactions from my other bills that automatically were deducted from my account. This all occurred before I realized that they took the XXXX payment. They state that they did hear the recording of me asking their representative for the return of funds. They have not accepted responsibility for the bounced check fees. I requested that they add a letter to my credit report, which has been significantly affected secondary to the missed payments, which they have not done. I will file a XXXX complaint about another company that was complicent in my credit score as a result of this event.
RGS Financial is attempting to collect a debt for internet service that it didn't even attempt to validate. They claim the original creditor is XXXX XXXX. This is the second debt collector that has appeared on my creditor report via XXXX XXXX regarding such an item. I have NEVER used this service. I have been using a different Internet provider for the last 9 years. This is second debt collector REMOVED it after it was not able to validate it. NOW RGS without even attempting to write me have just placed this collection on my credit. Absolutely NOT MINES.
I attended XXXX XXXX College in XX/XX/XXXX. The loan was in the amount of {$5000.00}. 
The loan was paid in full in XX/XX/XXXX to XXXX XXXX XXXX in XXXX, NY. I just received my latest credit score from XXXX   and its showing a student loan in the amount of {$18000.00} that was opened in XX/XX/XXXX. I've been living in XXXX XXXX, Utah since XX/XX/XXXX. I have never took out any student loans in XX/XX/XXXX nor do I know anything about the loan. If you have any proof of the student loan in question please mail the information to me at the below address. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX.
Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Pervious deleted items were add back to credit report without written notice. Which is against the FCRA section 611.
I received a copy of my credit report and noticed the American Honda Finance was reporting a few late payments. I requested a copy of the payment history directly from the company and they indicated it was archived. They were able to see I had an account with them since they knew the information was archived. I received correspondence in the mail that they wanted more information such as Account number, Name on account, last XXXX numbers of my social and the XXXX digit Vehicle ID number. First they did have my name because I spoke with them, they did have my last XXXX of my SS because that is how they supposedly located the information to let me know it was archived and second the account number they would have also had to know it was archived. As for the VIN number that is completely asinine this has been year ago and no longer have possession of the car or any type of paperwork that would list the vin number. All I requested was the payment history that they should have listed since it is reporting on my credit report.
I previously had an investigation into accounts reporting incorrectly on my credit report in XX/XX/XXXX.  Equifax could not validate the debts and therefore removed them from my credit reports in XX/XX/XXXX.  Equifax has experienced yet another security breach. I noticed the items that were previously have reappeared on my credit report. There was no notification which is in violation of the FCRA. 

The accounts are 1 ) XXXX XXXX XXXX {$3400.00} 2 ) XXXX XXXX {$2000.00}
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX XXXX XXXX ) XXXX XXXX /XXXX  Account Number : XXXX, ( Equifax ) XXXX XXXX Account Number : XXXX, ( XXXX, equifax, XXXX ) XXXX XXXX   Account Number : XXXX, ( XXXX ) XXXX XXXX XXXX Account Number : XXXX, ( Equifax ) XXXX XXXX Account XXXX
Portfolio Recovery Associates ( PRA ) operates illegally. Portfolio Recovery Associates , LLC Representing, XXXX XXXX XXXX. This company continues to harass me for an un-collectable debt. Portfolio Recovery Associates ( PRA ) may also sometimes make harassing calls. Harassment and abusive calls are prohibited by debt collection companies. Calling at " unreasonable times '' such as before XXXX or after XXXX. They use profane or obscene language during calls. I have numerous witnesses that have heard the conversations on speaker phone. This is illegal according to and under the Fair Debt Collection Practices Act ( FDCPA ), debt collection companies such as Portfolio Recovery Associates can not do the following mentioned above while trying to collect a debt. 
PRA is in violation of the Telephone Consumer Protection Act ( " TCPA '' ), using an automatic telephone dialing system ( " Autodialer '' ), for allegedly calling me on my cellphone without their prior consent. 
Portfolio Recovery Associates claims they have purchased the XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX credit card account ending in XXXX from XXXX ( " XXXX XXXX '' ) on or about XXXX XXXX, 2012. I have court records of an order to " dismiss with prejudice '' on this exact account ending XXXX and same amount from another debt collector. This order is valid and I will use it in the court of law against PRA if they continue to report to the XXXX credit bureaus that the account is open and they own the account. 
They have illegally purchased an old debt from original creditors who has already written off the debt and received a tax deduction for it. I have proved in court that this debt was not mine and it was dismissed with prejudice. 
According to my most recent credit report, Portfolio Recovery Associates is currently reporting to the XXXX credit bureaus. PRA needs to remove the inquiry from the XXXX main credit bureaus, XXXX, XXXX and XXXX. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. PRA needs to remove themselves from my credit report.
A COMPANY CALLED XXXX also known as worldwide processing group have been calling me and making threats to contact my family members, job, neighbors about a debt that I dont owe and demanding that I call them back the calls are frequent and odd times with various verbal threats such as we will make sure we contact all your acquantances. they use various phone numbers XXXX and XXXX
Citibank Home Depot responses To claims made are false. Action we have has resulted damage as payments not recieved late payments and interest payments are damaging to my good credit payment status with this company.

What they have done to me is threaten to report me to credit reporting agencies to hurt my good standing. Continue their abusive phone calls for collecting monies not owed to them because they failed to correct their failure to process payments recieved as in documents attached in this new complaint They know they have been in recite of Payments. Now a pending dispute is in process against Citibank for the monies They claim they did not recieve
On XXXX XXXX, XX/XX/XXXX, First Niagara Bank sent me an E-mail to my employee E-mail account, requesting I provide them with a signature card for my employee checking account. This had caused me alarm as I had already provided them with said item on XXXX XXXX, XX/XX/XXXX. When I had expressed my concern that a document containing my signature and account number had gone missing which could possibly compromise the security of my account and information, and that I would have to possibly close my accounts for security reasons, I was terminated from my employment.
THIS COMPANY PLACED AN INQUIRY ON MY CREDIT REPORTS ( XXXX, XXXX AND XXXX ) BECAUSE SOMEONR FRAUDULENTLY USED MY INFORMATION TO OBTAIN CREDIT
Good afternoon- I am writing because I honestly think this company has been scamming customers- The caller ID identifies them as " scam likely '' I got a payday loan in XXXX of 2017, XXXX- I have had this company take out the wrong amount-they claimed that they " neglected '' to activate the notification that would allow me to have a reminder before they casually took my car payment, when I was only expecting a XXXX payment- I know I have since repaid this loan yet they continue to say the interest rate is charged for every day this loan goes unpaid? How do I ever get this repaid if they charge me daily for some revolving interest-sounds highly suspect to me?
I was paying XXXX XXXX XXXX dollars monthly. When XXXX came and payment was due ( automatic payments deducted from my bank debit card ), the card was declined. What happened was that someone tried to use my bankcard and my credit union called because of suspicious activity. I had to get a new debit card. XXXX then called me and said that my card did n't take. I said, oh, yes, my card had unauthorized usage and i had to get another card. The representative was nice and apologized that something like that had happened to me. The representative said she need to connect me to the department that will take the missed payment. I said, ok thank you. Once I was transferred, the agent tacked on XXXX extra dollars, stating that it will be added every month until I am finished paying back my debt. I said, Why because the payment was declined, it was n't my fault, someone used my debit card and it had to be cancelled and replaced. The agent said that they were giving me a courtesy all of the months that I had been paying and now I will have to pay an extra XXXX dollars that does not go towards the amount I owe, it goes into their pockets. I never agreed to the extra XXXX and was never told about the extra XXXX. I feel like this is extortion.
On the afternoon of XX/XX/XXXX my mortgage lender and title company, while preparing documents for converting my new home construction loan into a permanent mortgage, informed me that on XX/XX/2018 my neighbor had taken out a {$200000.00} home equity loan on my property which I bought a year prior to this fraud occurring. Somehow his title company included my 1.123 acres as collateral on his loan without my knowledge, consent, or signature. I only discovered this had occurred because I was set to close on my new construction home in less than a week when my title company discovered the lean. This illegal lean on my property is essentially a theft of my land and house. If my neighbors title company can not correct the mistake before Monday the XX/XX/XXXX I will lose my locked in interest rate thus costing me thousands of dollars in higher interest costs, and if the problem is not corrected before mid-XX/XX/XXXX, my construction loan matures and I will potentially be foreclosed on by my construction lender. I contacted my neighbors lender, and they would not speak to me. On XX/XX/2018, I contacted the law-firm who reviewed the loan and they advised they could not provide me the name of the title company that my neighbor used as it would violate privacy laws. He did give me a name and contact number for an individual at my neighbors lender and advised me I needed to have my neighbor call him, as they would not speak with me since I have no account with this company. The lender contact did not answer when my neighbor and I called him. My neighbor then contacted his title company who promptly picked up the phone and advised they were aware of the problem and working on it. As of XX/XX/2018, I still have not heard or received anything from anybody regarding this fraud despite the title company stating I would have correcting documents before XXXX XXXX   Central Standard time on XX/XX/2018.
The company has reported false and inaccurate information on my credit report. They have reported this information to Equifax and  XXXX  using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.
I 've been disputing XXXX XXXX XXXX XXXX since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time XXXX XXXX XXXX XXXX confirms that this account belongs to me. I 've asked Equifax, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with XXXX XXXX XXXX XXXX and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.
I applied for XXXX discharge through XXXX to have my student loans forgiven. A debt collection company called Pioneer sent me a letter they were taking over my loans and they were adding a XXXX collection fee.