WillisBack/dataset-financial-user-claim huggingface dataset:
Account # 1 $ XXXXBalanceXXXX SYNCHRONY BANKOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXAccount # XXXX $ XXXXBalanceMEDXXXX HOSPITALOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor XXXX XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXthese accounts was open due to fraudulent activity and results in police report
Friday, XX/XX/2016 I cancelled a layaway at XXXX and the {$400.00} was credited back to my prepaid card. Rushcard credited the account in an hour and then blocked the card for potential fraud. i used the card to do the layaway at XXXX that is the reason the money was refunded back to the card. rushcard states i never used the card at XXXX which is a lie. i have {$280.00} that i do n't have access to plus i will receive a direct deposit to the card in 2 days that I will not have access to. They claim the corporate office has to review the matter and release the hold. I have submitted a documents requested such as id, ss card, proof of address and receipt of transaction at least 4 times since Friday still no resolution. this is causing me a financial hardship and i am very disappointed with Rush card. I want to officially file a complaint on Rush card.
XXXX XXXX XXXX over-charged [ MY LOAN ] by around {$7500.00} [ WHO KNOWS?!? ] on a XXXX XXXX XXXX I purchased on XX/XX/XXXX. I was charged for 2 EXTRA warranties I declined, and Gap Insurance I declined. Plus, the price is still way off without those over-charges. I have all the paperwork to prove my case. What we agreed to [ XXXX XXXX XXXX 's WRITTEN Quote ] isn't close to what they ended up charging me. I returned to XXXX XXXX on XX/XX/XXXX to get things corrected and was told the warranties/insurance stuff would be refunded. But, XXXX XXXX XXXX would not refund the mysterious OVER-CHARGES on my loan, and has not refunded any of the EXTRA CHARGES. 

That was 9-weeks ago and the Bank [ XXXX XXXX ] hasn't received any of the REFUND PAPERWORK from XXXX. XXXX as of today XX/XX/XXXX. XXXX  That means ... I'm paying for over {$7000.00} worth of fraudulent charges [ including extra interest ].

I talked to The XXXX XXXX FINANCE GUY [ who added all these FALLACIOUS charges ] on ( XX/XX/XXXX the next morning ) and signed 3 CANCELLATION/REFUND agreements. The finance guy was MAD as HECK ... because, I was asking for REFUNDS on everything he duped me on. He started a fight AND, said [ Quote ] : " Sometimes dealerships don't turn these cancellations in ...! '' I knew he wasn't going to give me my refunds and it has been 9-weeks since I cancelled everything, and I still am paying for a BUNCH OF STUFF I  DIDN'T ASK FOR & DID NOT KNOW ABOUT and interest on all the over-charges. 

I want XXXX XXXX  XXXX to HONOR the agreement ( I've attached a copy ) they made with me. On XX/XX/XXXX I test-drove the XXXX XXXX XXXX at XXXX XXXX and could come to an agreement on price, so I went home. The XXXX XXXX salesman [ XXXX ] called me at home, after I had left the dealership, and asked what I needed to make the deal happen. I told him {$2500.00} for my trade-in and after all specials [ Preferred Customer - {$2700.00} and - {$2200.00} for using Nissan Financing ] the XXXX Rogue for {$22000.00} + {$1500.00} [ options ] = {$23000.00} + TTL and we have a deal. 

That's exactly what I have on my quote, but no where near the numbers that ended up on my final bill. Here 's what I should owe : {$23000.00} + {$1700.00} est. ( TTL ) - {$2500.00} ( trade-in ) - {$2000.00} ( cash-down ) = {$20000.00} financed. XXXX XXXX says I owe over {$27000.00} and I've made a couple payments already and will need to make a another soon ... so, my loan is getting all messed up. I was told my payment would be under {$350.00}, but because of this I'm paying {$470.00} per month. 

XXXX XXXX XXXX would not talk to me or try fix the problem. Thus, I have been talking to a lawyer and have filed complaints with the TX Attorney General, TX Secretary of State, XXXX XXXX XXXX, TX DMV, and have started a Petition For Small Claims Court. I have spent many hours trying to get my money back, and have had lots of SLEEPLESS NIGHTS worrying that I'll end up losing THOUSANDS & THOUSANDS of $ to XXXX XXXX XXXX. 

I want all over-charges refunded and all interest on the over-charges refunded. Also, I'll need all my legal fees paid by XXXX XXXXXXXX.
Navy Federal Credit Union froze my accounts due to a late payments. They would make me call them to unfreeze my own account with my own money even if it was a day late. They also withdrew money from my savings account without consent for any overdraft in my checking account. Also when a company tries to withdraw money and there are insufficient funds, navy federal charges XXXX dollars and they do not even bother to charge you. They did that about 3 times for XXXX dollars each time. I do not understand this, I am in the military and having to deal with my account not working while I 'm trying to buy food or personal thing, because it is my money, is absurd.
Almost 1 year ago I purchased furniture on credit card XXXX ( TD Bank NA ) .Account number is XXXX. XXXX/XXXX/2016 I made the last payment XXXX , after this payment my account balance became XXXX . At XXXX/XXXX/2016 I called to costumer service by number XXXX, spoke with representative XXXX at XXXX and closed account. 
After, I received e-mail that informed me that I have to pay {$700.00} interest at XXXX/XXXX/2016. But at that time my account was fully paid off and closed, and I did not have to pay any interest, because I had no interest charge for this account for 1 year. 
This is attachment from what I see for today : Trans. Date Post Date Ref. Number Description Plan ID Amount XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX BILLED DEFERRED INTEREST CHARGES ON PURC XXXX XXXX
On  XXXX / XXXX /  XXXX  ,  XXXX  inquiries I did not initiate.    Wells Fargo     XXXX   XXXX   XXXX   XXXX   XXXX     Please  remove from my report at all three credit bureaus.
My mortgage line of credit monthly payment will go up, XXXX 2016, from {$350.00}. to over {$850.00}. This is a payment I can not afford. Without any success I reached out to PNC to come up with a mutual solution.
Midland funding purchased my debt from XXXX XXXX XXXX in which I paid off I never had an account with midland funding which is a third party debt collector that buys debt for as low a {$1.00}. They have no proof that I ever had dealings with there company they are reporting false information to the credit bureaus
Nationstar Mortgage wrote to let me know that effective   XXXX    , the servicing of my mortgage, loan number  XXXX , would be transferred to  XXXX   XXXX   XXXX   XXXX . Accordingly, I made mortgage payments to  XXXX   XXXX   XXXX   XXXX , loan number  XXXX , in  XXXX  and   XXXX   XXXX    . Now, Nationstar Mortgage is calling me, plus sending letters and email to collect for supposedly past due payments, despite twice confirming that the loan servicing was transferred to  XXXX . On   XXXX   XXXX   XXXX    , I talked to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  concerning my issue and she promised to research the issue and call me back by   XXXX   XXXX   XXXX   but she did not call me. I left a message with my loan  XXXX  on   XXXX   XXXX   XXXX   but she did not return my call.   I called  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX  , where a representative told me that indeed, the loan servicing was transferred to this company. However, during the week of  XXXX   XXXX , I received a letter from Nationstar Mortgage with an offer of borrower assistance ( as If I am late in making payments ) Please help resolve this issue.
I have previously disputed incorrect information being reported on my credit report by Transunion. This company has yet to correct the errors on my credit report. They are continuing to report an address on my credit file that does not belong to me. I have sent numerous copies of my ID and utility. All the creditors listed on my credit report have my address where I reside.I have no open accounts with the XXXX XXXX XXXX XXXX Every time I call in to dispute this address, I am told by the representative that its being removed and my credit report will be updated. I have updated reports where this has been done but then its added again. I have even went as far as speaking to a US Special Handling Rep/Supervisor about this in which they processed my request. Secondly, Tranunion is continuing to report false information by categorizing three of my accounts as ADVERSE on my credit report.These accounts are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have talked with XXXX XXXX on numerous occassions and they have reached out to Transunion to let them know the accounts needed to be updated to current. I have two of the three letters that were sent to me by XXXX letting me know they have contacted the credit bureaus to update the information.As you will see on the dates of the letters these accounts were supposed to be changed to a CURRENT status and the deragatory information removed.This was done in an updated copy of a report I received from Transunion but then they changed the status again and NEVER notified me within the 5 day period. This is a clear violation of the FCRA! Thirdly, I have been disputing three unauthorized inquiries : XXXX XXXX X/XX/2016, XXXX XXXX X/X/2016 and XXXX XX/X/2016. I have had numerous fraud alerts placed on my credit report within the last year and currently because of unauthorized inquiries on my credit report. Transunion continues to report these with no valid tangible proof. The FCRA states that the only permissible purpose for pulling someones credit is : firm offer of credit, employment, court order and insurance. The above mentioned unauthorized credit inquiries are related to none of the aforementioned permissible and therefore Transunion needs to delete these.These are NOT FACTUAL STATEMENTS. I have contacted these companies that placed the inquiries and have not heard back from them.I am well aware of my rights as a consumer that are outlined in the FCRA.
I am continuosly being sent letters from debt resolution comapnies saying I owe thousands of $ on different credit cards/companies. I also receive calls saying I owe this and that and that apparently, at some point, I paid on these debts and that I must pay these debts. I did not have these credit cards! I have filled out numerous fraudulant papers because these are not my debts/charges.
On XX/XX/2018, I called EQUIFAX to cancel my existing plan to re-enroll in the same at a lower price ( from {$29.00} to {$19.00} as advertised ). During the call, the agent asked for my credit card number, which I provided. I then asked what was the purpose of providing the number to which she replied that she needed it to initiate the new product which would result in a charge of {$19.00}. about 15 minutes into the call, the agent advised that systems were slow and asked me to bear with her for a moment longer. During that time, I checked my credit card statement with account associated with credit card I provided and saw that my account had been charged {$19.00}. After reviewing my statement, I immediately logged back into my EQUIFAX account only to find that my product had not been activated. By this time, the length of the call had reached 36 minutes and what I expected to be a simple transaction, turned into a billing issue.I allowed the agent a chance to rectify the issue but after 20 minutes, I desired to speak to a supervisor. At 56 minutes into the call, man who stated his name was XXXX with employee ID as given, is XXXX, advised the charges were initiated as an attempt to activate the product / plan under new rate of {$19.00} but failed due to an unforeseen authentication error. I demanded the reason for the error to which XXXX stated he was not aware and that the charges were pending and would be voided within 24 hours of the time stamp of the call. Transaction ID as given by XXXX is XXXX with initial timestamp of XXXX, XX/XX/2018. I expressed my frustration and requested a free month of service for the aggravation to which XXXX replied that executing such a request was beyond his authority. I immediately launched this complaint with claim upon which relief MUST BE GRANTED on grounds of discourtesy and and mismanagement of my account. The desired outcome is a full 3 months of premium free service.
I previously filed a claim for debt protection with Synchrony Card Protection on my PayPal Smart Connect account, which was approved, and I believe I need to disclose for tax purposes. 

Synchrony Banks card security debt protection insurance is violating federal tax law and putting those using their product at risk of failing to pay proper taxes. 

Synchrony Bank is legally required to report any taxable income due to debt forgiveness to the government and send the relevant forms to the insured so they can properly file taxes. 

Today, two Synchrony Bank card security representatives told me THEY DO NOT MAIL ANY TAX FORMS TO NOTIFY THE GOVERNMENT OR CONSUMERS OF THIS TAXABLE INCOME. 

I told them this is unacceptable and that they needed to provide me with the proper tax documents in accordance with federal law. They said company policy does not allow this. I demand that Synchrony provide the relevant tax documents at the end of the year.

NOBODY is asking them for tax advice, we just need the forms to take to our tax preparer.
In XXXX 2014 I went through taking out a mortgage with US Bank. I used them simply because I had banked with them for 20 years and thought it should simplify the process. It did not. The process was painful, rattled with errors and lack of accountability on part of anyone at the bank or in the mortgage underwriting/processing division. Part of the mortgage was taking out a HELOC so we could avoid the PMI insurance and keep some money in our savings account versus draining it. When discussing with the mortgage advisor at US Bank ( XXXX XXXX ) he gave us the option of a HELOC since the interest was only about 30 % the cost of what the PMI would have been. We agreed and discussed that we only wanted the loan for a year/wanted to be done with it quickly vs dragging it out. He assured us that was n't a problem and that it was an interest only loan allowing us to pay it back on our own timeline/as long as we needed. Two weeks ago we went into the bank to pay it off/close it down to release the lien from our home ... and they told us that since we were closing it so soon we had to pay a {$500.00} penalty for paying it off early. A {$500.00} penalty for paying off a loan early?? This is something the CFPB should focus on with big banks. That should be beyond illegal. This encourages debt/the debt cycle. This also goes against the mortgage seller at the bank and what he told us. Either he lied ( frankly most likely considering the process and how I ca n't believe that team is allowed to lend large sums of money ) or he was uneducated. Either way, it is the responsibility of the bank to deal with it. I received a customer service response to my complaint saying that they are sorry and they forwarded my note to XXXX and his Manager to respond to/address. It has been nearly 2 weeks and no response. Not that I expected it but did ask for it.
Equifax, XXXX  and XXXX XXXX are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.
Equifax handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2010
In XXXX XXXX, the XXXX XXXX XXXX XXXX, XXXX. 
Opened an Account at the US Bank to Host a Conference and addeded the XXXX XXXX 's officers as co-signers on the new account. 
We requested at that time to honor only those checkss with XXXX signatures on it. Unfortunately, XXXX of signers opted to act as a long ranger and went to various USBank and branches and withdrew {$10.00}, XXXX during a period of 22 days. No one at US Bank bother to notified any of the other XXXX signatories on the account. We asked why it was allowed, we were told that she is XXXX of the owners on the account. We were also told that 's not their policy to monitor and/or check for XXXX signatures. 
I requested a copy of the original signature card to verify that we requested XXXX signatures on withdrawnals USBank never disclosed to the XXXX originals signers that they could onlyhonor only XXXX signers. Had that disclosed to us initially, we would have opted to go to another banking institution. 
It has been five days since we made a request from USBank to no avail. The only print out we received from USBank was on XXXX/XXXX/XXXX with XXXX XXXX and XXXX XXXX name on it. 
It has been 5 days since we requested the original signature card from US Bank to no avail. 
The only document that was given to me was that of XXXX XXXX, XXXX with XXXX XXXX and XXXX XXXX signature on it and the below resolution on it : Resolution of Non-Profit Association, Lodge, or other Similar Organization ( continued ) Authority to open accounts, make deposits, and withdraw funds ( Must have XXXX signatures to withdraw funds ) - The XXXX XXXX XXXX. 
Point # XXXX : To the extent that they only could produce the authorization of XXXX signatures ( XXXX XXXX & XXXX XXXX ) how could they officially know that XXXX was authorized to withdraw money from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account without any proof on file? 
Point # XXXX : The XXXX XXXX XXXX ) original signatures ' cards not available with XXXX XXXX, XXXX XXXX and XXXX XXXX names on it. Banks should be able to produce the original within hours of customer 's request, if not on the spot. 
XXXX # XXXX : US Bank never disclosed to the original XXXX XXXX XXXX ) signers that they would honor only XXXX signature on checks written. The reason why the XXXX XXXX XXXX XXXX allowed both XXXX XXXX XXXX XXXX XXXX to be authorized to sign jointly with both XXXX XXXX or XXXX XXXX to ensure accountability. 
Point # XXXX : The XXXX XXXX left US Bank On XXXX, XXXX with the impression that No one signature would be allowed to withdraw funds from the bank account that was set-up especially for the XXXX XXXX Conference under the XXXX ( c ) XXXX non-profit belongings to the XXXX XXXX XXXX XXXX XXXX, XXXX.
We were issued XXXX refund checks XX/XX/XXXX for interest over charges on credit cards issued by Chase Bank USA. The refund check was due to the SCRA program. We received a XXXX XX/XX/XXXX for the refund payments. We are now being forced to pay income taxes on money that was not income but money we had paid to Chase Bank USA for interest.
I believe that I am being charged an incorrect interest rate. My loan provider Navient ( originally XXXX XXXX ) has refused to provide me with a full copy of the promissory note despite repeated requests both written and telephonic.
I have a RushCard and had a deposit of over {$400.00} automatically put into my account on XXXX/XXXX/2015 and have not been able to access any funds. I can not reach a customer service representative when I call their contact number on the card or get access through the app or online. I 've been trying to access my money for over a week now and do not know what to do.
My original student loans were consolidated through XXXX XXXX which was bought out by XXXX. I started getting emails from student loan advocates stating they could have my student loans forgiven. I initially filled out the application for this but after looking ito it and speaking to XXXX about it is was found to be not in my best interest. I contacted the fed loan progran and told them i did not want there services and not to go through with the consolidation of my loans. It happened anyway and I was right it was not in my best interest to go with them, as they are now sending me threatening e-mails saying they are going to garnish my wages and report bad info to credit bureau. I was told i have to pay XXXX dollars in a couple of days to this third party or they will start actions against me. I want nothing to do with this company and need any help you can provide. I have contacted the XXXX and they are helping me get my loans back to the original company who also tried to help me in this matter but did not act quick enough. When I tried to call the numbers given to me all they said was pay or else and hung up. Yes I got mad on the phone and probably said some thing i probably should n't have but who would n't. Please help
THE COLLECTION AGENCY ABILITY RECOVERY SERVICES, IS REPORTING AND TRYING TO ATTEMPT TO COLLECT A DEBT ON BEHALF OF A CREDITOR.. THE COLLECTION AGENCY ABILITY RECOVERY SERVICES IS NOT BONDED OR LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT ANY DEBT. I SEARCHED ON THE FLORIDA OFFICE OF FINANCIAL REGULATIONS AND DISCOVERED THERE IS NO LICENSING FOR THE STATE OF FLORIDA WHICH IS REQUIRED. I WOULD LIKE FOR THE ACCOUNT TO BE REMOVED FROM ALL REPORTING CREDIT BUREAUS. I TRIED DISPUTING AND CONTACTING THE ANGECY NO SUCESS.
I am requesting to validate/verify the accounts below. 
Please delete any accounts below that can not be validated/verified. 
JUDGEMENT XXXX o XXXX AND XXXX XXXX o XXXX/XXXX/2009
My wife and I are closing on a new build and one of the preferred lenders that the builder has listed is Wells Fargo Home Mortgage. We went with Wells Fargo because they were the first to return our phone call and we were up against a time frame to get preapproved for our loan. 
Within a few days of us submitting all of our required documents for pre approval we received our letter from Wells Fargo stating we were pre approved and we were ready to begin the loan process for our new build. 
To date we have been working with Wells for 10 months and every couple of months they ask for updated bank statements, financials, etc ... However it was n't until 5 months before our anticipated closing that I noticed our loan office put in a loan requirement of a " Gift '' requirement from my father for XXXX. I immediately called and emailed the loan officer that we never discussed a " Gift '' amount to help us close and I also expressed my concern as to why this was showing in my file. A few days late I received an email back stating that they would update this in my file and that we were on schedule with everything, A few months go by and again I am asked for updated statements, financials, etc ... We send these off and two months later I receive an email saying we are short on your reserves and can I again send over statements, etc. We send these over and presume everything is good because we are showing what needs to be shown for financials. 
It was n't until last week ( 4 weeks before closing ) that we received a call that said we need to come up with XXXX more in cash to cover reserves. As you can imagine the frustration level started to go way up. Over and over again we asked to why we are just now finding out about this 4 weeks before our closing and the response from our loan officer was, " just go ask someone for the money '' or " go ask a parent or something '' So you mean to tell me this is your standard practice Wells Fargo? After stating that the " gift '' option was not an option they said, " we just need to show it and then you can return it to the person who gifted it to you '' Again we asked is this standard practice? 
Then we were told we can liquidate our XXXX. We asked if this is again a standard practice on how they treat their customers.