WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I were a victim of check fraud at US Bank. There have been so many things wrong with this situation that I have chosen to reach out for help and to hopefully help others while making sure certain people and US Bank is held liable. First off, we are from XXXX. Someone else 's check was stolen in XXXX on the WA XXXX border. The thief cashed the stolen check in our ( my wife 's name ) at a US Bank in XXXX on XXXX XXXX border. As soon as we were notified ( not by US Bank but by looking at our account ) we immediately turned it in the the fraud department. All our accounts were froze for the investigation to begin. We immediately opened another checking account through US Bank as life goes on and we needed money. US Bank opened another account for us and did NOT put any flags, notices, restrictions or notes about being recent fraud victims and our account was hacked AGAIN within one week of opening our new account in XXXX about XXXX miles from where the first fraud happened. BOTH instances the thief walked into the branch posing as my wife with NO acct # and NO second form of ID ( debt card etc.. ). They were able to withdrawal the money both times. After that happened we again closed our account. We filed another fraud claim. 2 weeks into the first claim the fraud department did NOT even have our claim. We have been trying to work non-stop with our local branch and over the phone with the US Bank customer service as well as with the fraud department. We have been given XXXX provisional credit even with proof from US Bank surveillance. On top of that our local branch has treated us VERY badly. We have been told that it is not that big of a deal, it will get dealt with at some point and to stop calling multiple times a day trying to speak to a representative that went out of their way to ignore us.
I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX and XXXX ) for the amount owed to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, Transworld Systems , Inc., was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at Transworld stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX and XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.
At XXXX XXXX navient called my phone 4 times in a row and woke me up on Saturday XXXX XXXX. Bewildered and tired I ask who is calling me this early on a Saturday morning. The navient worker replied I need you to verify your name and social security number. I told him it was kind of rude to call so early in the morning and which he did not apologize but then asked me to verify my address. Navient worker said that my payment was 12 days past due. I explained to him that I was confused because my mother who is also my cosigner made a payment on my behalf last week. He then said unfortunately you are still 12 days past due how do you want to take care of it. He was very rude, spoke to me and a condescending tone, and did not acknowledge what I had said to him. I explained that I had not been working in a month because I was laid off from my job at the moment due to lack of work. My mother and cosigner is also not working and receives Social Security. The navient worker was very unthoughtful did not apologize for his actions and made my mother and myself stressed out because instead of discussing this matter with the previous person who took our payment he assumed that we did not make arrangements. Come to find out we were right and had made a payment but on there and it did not go through. My mother explained to the navient worker it was not fair to call so early in the morning when they already got paid because there was confusion on their end. Navient is supposed to be a worldwide company that helps various people with their loans. Unfortunately when it comes to getting their money they have no problem hurting those same individuals to regain their funds. My mother asked man to apologize and what she said he already did although he did not. I wish we would have gotten his name and number so that we could have reported him individually because usually when these people call they are rude and inconsiderate. It 's rare that you find people in this company who listen to what you have to say and do n't talk over you to just get your money. I wish I had the money to pay them off completely because the stress that they put you through is somewhat unbearable.
During the final weeks of closing, Bank of America provided poor service that made us almost lose our closing / home. We received a closing disclosure letter contacting Bank of America if there was something significantly different that what was promised. No contact was required unless there is an issue with the loan costs. 

A day later, we received a call from the builder / Bank of America that our closing would be delayed as we did not contact BoA to tell them we received the closing disclosure. No document said we needed to contact BoA but we were told " new Frank Dodd requirement. '' I said we did not have any language about this requirement and was told it was our responsibility. 

In addition, the letter was incorrect in that it did not have required Georgia disclosures ( i.e. wiring of funds ). 

The writing of the disclosure document is incorrect.
on XXXX/XXXX/2016 I made an agreement to settle my credit card account with XXXX XXXX bank ending with XXXX in the amount of {$4000.00} and have the account paid in full with XXXX balance. I made the payment on the XXXX/XXXX/2016 and waited to see the update on my trans union credit report. The update was made to my credit report showing a balance of {$5600.00} which is wrong. I am excepting to see acct is settled for less and XXXX balance. I disputed the issue with Trans Union, but it resulted in reporting even the entire original owed balance of {$9600.00}. It caused me a score plunged XXXX points. another dispute was not possible through the credit bureau.
I had a XXXX XXXX Credit Card that the account was closed in XX/XX/XXXX. I received information from XXXX XXXX on XXXX XXXX, XXXX that included statements that were mailed to my previous residence. I never received the notices.
I applied for a loan to have a house built in XXXX 2015, i went threw the whole process and did everything i was suppose to do as far as what was needed from me and what i needed to have at closing. I gave lender all my information that was passed on to the processor and the underwriter. I was notified that my loan was approved but the processor sent me special conditions that i needed to do before i close. i provided everything that was asked of me on the special condition report, but when it was time for me to close, i was informed i was unable to because they could not use my sons XXXX XXXX check that was apart of my income. The company had my file for 4 months and waited to tell me this at the very end after XXXX missed closing dates. I gave my 30 day notice were i was living, moved out my house based on closing date, went homeless for 8 days now with XXXX people in my household. I had to pay for a XXXX truck and keep my furniture in there waiting around on them to close me. After 4 long days I had to return the XXXX and put my furniture in XXXX storages because i have alot of things. They have cost me alot of money, and stress ( XXXX ) on me and my family. They also made me close XXXX credit cards out 3 weeks ago when i was orginally suppose to close and know my score is going to drop hard.
I had requested a copy of my personal information from " Equifax XXXX XXXX ''. I received a letter stating that I needed to provide " Proof of Identity '' and " Proof of Address ''.

I do not have any of the items listed under " Proof of Address '' but did submit a copy of my social security card and my valid drivers license, with my current address. 

I tried to call Equifax today but have spent over obe hour to no avail. One of the people I was transferred to admitted he was not located in the United States. 

HOW IS IT POSSIBLE THAT I CAN NOT GET A COPY OF MY OWN PRIVATE DATA BUT FOREIGN NATIONALS RESIDING OUTSIDE OF THE UNITED STATES CAN ACCESS MY INFORMATION. 

THIS BY A COMPANY THAT ALLOWED THE BIGGEST DATA BREACH IN HISTORY. 

I WANT MY INFORMATION AND I WANT TO KNOW EHO IT HAS BEEN PROVIDED TO.
Bloomingdale 's card - I purchased items from Bloomingdale 's online site using my bloomingdale 's card. On XX/XX/XXXX I returned the items ( they were properly received in time ), and called them to confirm receipt. During the call, they asked whether I wanted to receive gift cards or have the credit card account credited. I specifically mentioned that I did not want gift cards, and wanted the credit card account credited. Instead, they sent gift cards. I have been on no less than 7 calls with them since to get this resolved, and each time I have been told it has been resolved ( ie, the gift card cancelled and credit card account credited ). However, after each call I have continued to receive calls from Bloomingdales stating " this is an attempt to collect a debt ''. Now Bloomingdales has notified the credit reporting agencies that my account is delinquent, right as I am in the process of applying for a mortgage. I have spend no less than 10 hours on the phone with Bloomingdales to date trying to resolve what should be a simple issue. 

In addition, I have told Bloomingdales twice that I wish to register a formal complaint, but no one has taken my complaint. Therefore, I am requesting the CFPB to get involved - I need help! Most importantly, I need this removed from my credit report ASAP, so that I can continue my mortgage application process. 

Thank you!
I opened a XXXX MileagePlus XXXX Chase Visa account XX/XX/XXXX. From XX/XX/XXXX to XXXX, I used to log in monthly on my personal chaseonline.com account to pay my current balance charges. 
I started receiving Chase direct marketing emails to invite me to set up automatic payment, which I did. I set up the automatic payment XX/XX/XXXX on my Chase credit card. By default, Chase automatic payments are setup with the minimum monthly charges and does n't mention clearly the second option you can select for " Full Amount Due ''. 
I 'm French and I 'm not aware of such options. So I have n't paid any attention to this option until I realized today that I had monthly purchase Interests charges since XX/XX/XXXX. This morning ( XX/XX/XXXX ), I had a current balance of {$26000.00} for which I 've already paid {$1300.00} fees!!! I called Chase Client service, explained the situation, paid immediately the current balance ( over $ 26k ) to show them I have money and this was a huge mistake from account setup ( precisely their " automatic payment '' options ) but they declined all responsibilities. I 've asked them why they do n't contact customers when such customers reach those past overdue balance. Their answer was " we have too many customers to serve so we do n't call nor contact any customers for any reason ''. I feel they stole my money as it 's clearly a matter of their " setup '' on their online interface to mislead customers. 
My desired solution is at least to get reimbursed the last Purchase Interest Charges of {$310.00} for XX/XX/XXXX, charged on XX/XX/XXXX ( so 1 day before I contacted them ). I kindly asked them ( the " manager/superior '' I was put through ) to help sort this out as I immediately paid all current balance charges to prove them my honesty. They declined again. 
I 'd like to complain about this scam and get money back from Chase.
XXXX online college scammed me out of student loans and Pell grants I never received and now being charged {$300.00}. The account was removed from my credit report and then put back on my credit report all within a couple months time.
I am XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX. My phone number is ( XXXX ) XXXX. My E-mail address is XXXXXXXXXXXX. I am in an identity case of the Court of Appeals of my State of the court case number XXXX. I have also filed a FTC ID theft affidavit serial numbered XXXX, and filed a I.R.S. form XXXX .I think people have taken loans out in my name that cost me money.
I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
I had a chase checking account that I have upgraded to Premier Platinum Checking in XX/XX/2018 and at the same time with the same banker opened a total business checking account as with the Premier Platinum Checking, it will have no monthly service fee on this account. It was confirmed with the banker when I open this account but yet a $ XXXX monthly service fee and Chase ACH Monthly Payment Fee $ XXXX/month was applied to this account when no ACH Payment was ever made with the account. 

No matter what I do after discovering this overdraft and NSF, I have had transfer funds between my personal and business account and try to cover purchase but as I am not able to log in every day to monitor or meeting the cut off time at times and once the overdraft started i.e it was 3 {$20.00} transaction overdraft 1st day being charged {$34.00} ( standard NSF fee ) *3 the max chase have set {$100.00}, even when I have covered the amount of the purchase by depositing {$60.00}, but because of the NSF fee, my account continues to overdraft, and many times I have deposited more than the amount to cover the purchases but because of the continue in debt of overdraft fee which many will not trigger if it wasn't for the unnecessary fee charged that supposed to be waived, it ultimately troubles me financially. Even on an item that was not paid, I was charged for returning the item? 

In this past year, I have been charged in total over {$1200.00} which in my opinion over {$1000.00} of these fees are problematic. and over {$800.00} just from XX/XX/XXXX to today alone in my personal account. in the newly open business account, it had in total resulted in a loss in my account of over {$800.00} solely in fees. Some of these fees were refunded when I contact but many are not and I still continue to be charged this fee despite I was told ACH Payment service will no longer be active as I did not activate it. When the fees were refunded, they were not back dated as it was charged in error as otherwise some of these NSF would no longer even had been triggered that put me in this fee debt trap I am in right now
Dear Mr or Mrs , My name is XXXX XXXX address is XXXX XXXX XXXX XXXX CA XXXX   SSN # is XXXX I started working to fix my credit on XX/XX/2018 with XX/XX/XXXX, XXXX  and Experian until now XX/XX/2018 still not done yet!! I have become a victim of identity thief as the perpetrator used my name and social security to create bank accounts without my knowledge.

I already done with XXXX.

XXXX still working on it.

But Experian seem like they don't really care about my case. I don't remember how many call i had, who i spoke with and a lot of paper work send to my house. I was stress out.

I ask Experian for my credit report and received a report # XXXX for XX/XX/18 ( this is my second one i requested ) and i pretty sure i went to their website and dispute that account online and called dispute center to told them they need to start an investigate that account because it's not belong to me and they said it ' going to take around 30 days, ok i wait and keep checking my credit report online and today XX/XX/2018 at XXXX XXXX i called dispute center of Experian to ask what happen to the investigation and they said it's going to start today and i need to wait 30 days more. WHAT??? that's mean they did not not do anything to help me resolve my problem at all after i got my second report on XX/XX/2018.

My credit limit was lowered by 80 % and I can not do anything until this case is resolved. I was on the brink of buying a house for my family but due to this, I am forced to withhold the joy for my family. I am holding you responsible for this matter when it could have been dealt with at the beginning.

I willing to work with them to fix it but just let me wait for nothing.

I don't know how is this credit systems work but if Experian does not take that seriously please let me out of their systems because the way they work is hurting me so badly i don't see any benefit at this point.

Who going to help me out with this mess. After wait for 30 days for investigation and another 30 days is coming who going to guaranty with me this is a last 30 days.

Sincerely,
After checking my credit report on XX/XX/2018, I noticed that there was an open collection wilth XXXX XXXX. This account was originally with XXXX  XXXX XXXX which I was a victim of Identity theft and it was removed from my credit report. I have not had any communication with this company and there has not been any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act. Withholding Notices You are entitled to notices concerning the reporting, handling and use of your credit information. Notice violations under FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information or the validity of the debt. This account was disputed with XXXX XXXX XXXX and as soon as it was deleted from my credit report, XXXX XXXX purchased this debt, did not notify me in writing but simply placed this account on my credit without notification. I would like to file a complaint to have this incorrect reporting deleted from my credit report and have this company blocked from future reporting of this account. XXXX XXXX has performed unethical business practices.
The finished my payments with XXXX XXXXXXXX XXXX  in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence.  They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
XX/XX/XXXX I was in a car accident that had me out of work for five month due to injuries from the wreck. I was insured with XXXX at the time and they deemed the vehicle a total loss. 

Back in XX/XX/XXXX the same vehicle was vandalized. I was at that time with XXXX. I got the work done to the vehicle and have the receipt. 

Fast forward XX/XX/XXXX my car was vandalized again while insured with XXXX. I filed a claim and they were very slow about the process in getting my vehicle fixed. I missed the examination under oat due to never receiving the mail. 

All leading to XXXX deducting from the total value of the vehicle because of the vandalism they didnt cover. The car is totaled!! I almost XXXX in that wreck. What does vandalism even matter at this point?! 

Safco which is my lien holder decided to say to XXXX that I never got the car repaired in XX/XX/XXXX and sent for the funds. XXXX in turn pays safco without notice to me out of my bank account from a transaction thats over a year old ( {$3500.00} ) .Thats an u authorized Transaction and illegal. I am a service member and I was robbed of my resources due to the illegal acts of the banks. XXXX XXXX XXXX XXXX AND SAFCO. They should all be investigated they are multimillion dollar companies stepping on the backs of working Americans. 

Its against the law to take the resource of a consumer without notice I have had no money since XX/XX/XXXX. The day before my birthday!! I spent the first few weeks of my new aged life without funds. I am livid that its taking this long and want interest on the money that was taken from me.
Insurance claim filed back in XXXX, due to XXXX surgery, that my insurance company was responsible for and has since paid, some time ago.
COLLECTION CONSULTANTS OF CALI have reported a medical bill from XXXX Hospital on my credit report that does not belong to me. This is a bill that my wife had obtained prior to our marriage, and even prior to me knowing who she was. Collection Consultants of Cali have now reported it to XXXX and XXXX as a joint account. This is not a joint account. I never signed as a cosigner or have ever even step foot in that hospital.
I was a victim of identity theft in XXXX XXXX. A public lien was placed on my acct. I was able to provide proof to the reporting agencies and sent them a copy of the paperwork over 2 months ago ( again ) as I was just reminded of this again when I checked my reports. Nothing has been done about this and they are still reporting the lien on my credit report. I have the proof from the XXXX of XXXX XXXX and they wo n't remove it from my report. Looking to get this matter resolved as I 'm trying to buy a home.
Gave misleading information about income based repayment and did not allow for my grace period when I took a term off school or had gaps in education. Did not fully disclose my options for repayment.