WillisBack/dataset-financial-user-claim huggingface dataset:
On the date of XX/XX/2018 I contacted Navy Federal and advised that fraud had occurred on my debit card, ending XXXX. Fraud claims were filed on all reported transactions ( {$62.00}, {$83.00}, {$62.00}, {$46.00}, {$20.00}, {$9.00}, {$44.00}, {$170.00}, {$8.00}, {$44.00}, {$15.00}, {$25.00}, {$100.00} ). As a result of the fraud claims being filed a provisional credit was issued to my account in the amount of {$700.00}. An alleged investigation was conducted and determined that allegedly no fraud had occurred for the transactions ; as a result the provisional credit issued to me was removed.

During my phone conversation on XX/XX/2018 I informed Navy Federal that the funds did not dispense from the ATM. just as i did the first time I disputed said transactions when the rep. entered the claim as fraud. Navy federal sent me a letter decision/legally meritless statements from atm owner in XXXX regarding the transactions that are in dispute. the letter decision/non-factual conclusions based on circumstantial " evidence '' which draw no conclusions of FACTS regarding this matter is what Navy Federal is using as a reason to not refund my money. I previously stated to Navy Federal, that I did not benefit from these transactions. I was not disputing if the atm dispensed cash As the unverified documents or papers navy Federal has purportedly forwarded to the address on file pertaining to the XXXX XXXX XXXX. account claim. To be clear, I am disputing the unfactual claims that I, XXXX XXXX XXXX as account beneficiary actually received or benefitted from the disputed funds. I did not benefit from these transactions nor did i receive the funds from the atm transaction ( s ). The atm did perform as if the funds would be dispensed however the funds were not dispensed FOR ME. Navy Federal 's unverified conclusions were based solely on circumstantial papers or hearsay from a third party, that do not support the atm owners claims, if they are in fact alleging that I was ever in receipt of the disputed transactions amounts. Thus, no documentation or papers provided by the atm owner support any claims regarding my actual dispute and as a result thereof the papers provided by the Atm owner are nonresponsive to my claim. The decision of denial regarding the disputed transactions Is prejudicial to, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX account. without verified proof Navy Federal has a duty to replace the funds taken from the XXXX XXXX XXXX account. Moreover, To prevent ATM owners from denying claims arbitrarily, they must be able to provide supporting documentation in this case they did not. If the atm owner wishes to pursue this matter further, he/she must provide additional documentation for further review. If he/she is unable to provide additional documentation Navy Federal has a duty to honor their policy or terms and conditions regarding the disputed transaction amounts by crediting the XXXX XXXX XXXX account in the amount of the disputed transactions. Sincerely, XXXX XXXX XXXX, Account beneficiary All rights reserved XXXX
I have been comparing different private student loan options to help finance the rest of my XXXX ( XXXX ) program. The online advertising shows a fixed-rate APR range starting at 5.99 % for interest only in-school payments and 6.59 % for $ XXXX/mo fixed in-school payment and deferred payment. The website clearly states : " Private student loans are credit based. '' which is completely understandable. I have a 780+ credit score ( verified throughout the years as I have applied for various credit from credit cards to mortgages ). When applying for loans, I always get the lowest rate because I have excellent credit with no blemishes and a long history. 

When I applied today ( XX/XX/2018 ), one of the questions they asked was if I am full time or part time. I am a full time student. Then they asked my income and assets ( non-retirement and retirement ). Although I was confused why they needed this since I am full-time in school and not working, I gave them my income for the year ( my internship over the summer ) and my assets ( more than enough to cover the loan if I had to make withdrawals from my retirement ). Once they had my information and ran my credit, they told me my interest rate would be over 8 % APR for my {$44000.00} student loan! When I asked why, they kept saying that they factor my credit into the decision, but when pressed, the rep finally confessed that they consider current income! I'm a full-time graduate student ... I don't have a job. If I did, I wouldn't need student loans. When I graduate, I will be making more than enough to pay back the loans and may even have a job offer by next week for when I graduate. Job offers for future employment aren't considered though. Only current annual income.

There is no mention ( at least that I could find within hours of researching ) of needing income or proof of income to qualify or get the best interest rate. Clearly Discover is playing bait and switch. They wanted me to have a cosigner and then they would still only go down to as low as 7 % APR if I agreed to add a cosigner ( 1.01 % higher than the lowest advertised rate ). I doubt anyone can " qualify '' for their stated lowest rate of 5.99 %. This is false advertising! I cancelled the application without accepting funding.

I no longer want to do business with Discover and I will be sure to guide other students and professionals away from them for all products they offer.
After having XXXX XXXX go XXXX a major diasaster XXXX XXXX, the bank is offering a moratory of 3 months and then we have to pay the 3 months in XXXX XXXX or go XXXX a loss mitigation process that does not aliviate our diaster process. Some of XXXX have also lost our jobs or have to start from scratch and the bank does not offer a process in order to move these payments to the end of our mortgage.
Received offer over the internet reading " Bank of America is currently offering a {$300.00} checking account bonus that expires on XXXX XXXX, 2015, for targeted customers. Sign up for a new BOA personal checking account and make XXXX qualifying direct deposit of {$2000.00} or more within the first 90 days of account opening and you will get a {$300.00} banking bonus for opening your checking account. This offer is only for select BOA customers who do not already have a checking account with BOA. There is no offer code required. " I met all criteria. I called to ensure I would get the bonus. They checked and called back saying I would receive the bonus. I later received a letter dated XX/XX/XXXX stating " To qualify for an incentive payout, the promotional offer code must be submitted at the time the account is opened. I called their CS # XXXX ( XXXX, I believe ) and read the above offer saying " no promotion code needed. '' I was put on hold for some time and then told it was because each direct deposit did not total {$2000.00}. I quoted that it did not say " each '' but she would not budge. They were obviously looking for ways to not pay the bonus. I asked to speak to someone else including the one who said I was eligible. She refused saying they were " internal departments '' and could not speak with me. I have now stopped my direct deposits with the intent of closing the account, but would redirect and stay with them if they honored their advertising and marketing. 


When I chatting earlier on-line with individuals, I found they the reps disconneted when they did not know the answer. They are extremely difficult to work with and often very rude. I honestly have never experienced this kind of service of any other business.
I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.
I get repeated calls for " XXXX '' from XXXX, Wisconsin. I am not XXXX, nor do I live anywhere near XXXX, Wisconsin. 
They call on almost a daily basis. Today when I asked them where they were calling from, they said XXXX and gave me some severe attitude.
I was previously having my loans serviced by XXXX and was on a payment plan with a low payment for the year based on my limited income. I then switched my lender to XXXX as part of the PSLF program. Before switching I spoke to XXXX and was told I could continue with my existing plan at my current payment. After switching I was told I would need to resubmit a plan. I called XXXX again on XX/XX/XXXX and I was told again that I could continue with my previous payments but my plan would be changed in XXXX after tax season. Today I received an email stating I owed over {$2000.00} and after calling XXXX I learned that everything I was told was a lie and now I need to change my plan which will cause my interest to compound costing me thousands of dollars. XXXX directly lied to me to increase my student loan burden.
HAD A MEDICAL BILL THAT WAS PUT TO COLLECTIONS AND WAS PAID SHORLY AFTER, ASKED COMPANY TO REMOVE DEBT FROM CREDIT REPORT, THEY TOLD ME THEY CANT DO THAT THEY JUST REPORT ON WHAT IS OWED, MORE THAN 4 MONTHS HAVE PASSED AND DEBT IS STILL SHOWING ON MY CREDIT REPORT AS OWED, COMPANY STILL FAILS TO REPORT THAT DEBT IS PAID. I CONTACTED MY REPORTING COMPANY AND THEY SAID I NEED TO GET THE COMPANY REPORTING THE DEBT TO REPORT THAT IT IS PAID
I opened an account with XXXX XXXX XXXX to connect a land phone line at the home I leased XXXX XXXX 2014. XXXX XXXX XXXX  later called me and told me they could n't connect the service since homeowner had another phone line connected at the same address. Homeowners did n't want to disconnect their service so I hired XXXX ( internet phone line ) to connect service. 
Today checking my credit score I noticed a collection from a company called IC Systems from this account that was never connected, so from a service that I never received!
I took out an auto loan on XX/XX/17 the car was totaled XX/XX/2017 I made payments from XX/XX/2017. I spoke to the insurance Co and they said they were sending a check and I would probably be getting a refund for the extra payment I made. Insurance company sent a check to the bank it was cash XX/XX/XXXX so did XXXX for the extra items I have purchased both checks were cashed. I applied for another auto loan with US Bank I then get denied because they said that I was late three payments I asked them for details which took a very long time to get. I called the insurance company to make them aware that the bank said they did not receive a check from them so they that same day cancel the check and re-issue another check I didnt get a letter from US Bank telling me that my bank and stop payment on the original check that they claim they never received And they were reporting me again. I asked what I could do to get this cleared up they said I could pay it off so I did pay it off then I got reimbursed after they get the additional check from insurance company and they also found the check from XXXX that was cashed and just not posted to my account and thats exactly what happened with the insurance companies first check. They refuse to take responsibility for not posting my account correctly and they refused to correct the remarks on the credit report They calimed they sent me a letter which I have asked for a copy and still havent received it.
This concerns an old Chase Bank Southwest Airlines credit card account that was a charge off. Chase bank contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of Chase. Chase retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and Chase. The major credit bureaus are reporting that Chase is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims Chase hasnt checked with them at all about the disputed balance. Had Chase contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )
I have sent Midland two letters regarding a debt they claim I owe and have filed a dispute with the credit bureaus that Midland responded to with a claim that the debt is valid. 
I have provided a copy of the letter I mailed to Midland in XXXX, which clearly requests proof that Midland owns this debt and has right to collect, which Midland blatantly ignored in their response - the response is also attached. 
As a resident of New York City pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I have a right to see proof that Midland owns this debt and per NYC Law, Midland can not collect on this debt until such proof is provided to the consumer if requested. 
Since my request Midland has continued to make collection efforts sending letters to attempt to collect the debt dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX in addition to several phone call attempts in that time period these collection actions are a violation of my rights as a consumer.
XXXX, XXXX  and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. 

Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX  and XXXX. still nothing. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.
First, I never received a bill from XXXX. I received and paid both XXXX Hospital bills but this other organization never contacted me. In fact, I was not aware of any charges until they appeared on my credit report. After SEVERAL attempts over nearly XXXX years to correct the amount charged by sending an XXXX, still no change has been made. My XXXX shows the amount to be paid should be {$260.00} but the amount from collections is over {$900.00}. The smaller claim has been corrected from {$400.00} to {$86.00} but I am not willing to pay this company until all charges are correct.
On XXXX XXXX, 2016, I was involved in an accident where i had to be taken to the hospital. Somehow, my social was written wrong and XXXX did n't cover it until i spoke with them, and they corrected it leaving me with a XXXX dollar deductible and XXXX dollars owed. XXXX mailed a letter that stated " we received an inquiry regarding patient billing on the above claim. the patient 's cost share and/or copayment was {$0.00}, and we applied {$0.00} towards the patient 's deductible. the claim originally denied because it was submitted with an incorrect member identification number. this ha

s since been corrected and the claim has been paid, leaving no patient responsibility. our files show that although you are not the network provider, your claim was  submitted indicating you agreed to accept assignment. therefore, you have agreed t
o accept the XXXX maximum allowable charge as payment in full. the beneficiary is
only responsible for copayments, cost shares, and/or deductible amounts. if the patient paid more than the copayment, cost share, and/or deductible for these services, please refund the payment to the patient within 30 days from the date of this letter. '' somehow this still is being charged as a collection.
When I came back from my mission field on  XXXX ,   XXXX  , somebody from   XXXX   XXXX   XXXX   called me to insist pay off the balance of unknown credit card. I came to know that a wrong person stole my personal information and made at least  XXXX  credit cards under my name and spent a lot of money. I did not know until that time. I have never received any bank 's statements of the fraudulent credit cards. I asked a credit agency,  XXXX , to send me my credit card records, then, I found somebody stole my ID and made cards from at least  XXXX  more banks. I wrote each bank to dispute the credit and finally, HSBC and  XXXX  did not solve the problem. Particularly,  XXXX   XXXX    XXXX   continue to send emails to insist pay off even though I sent my clarifications of the transactions of the fraudulent cards. At the beginning of disputing on  XXXX , the bank sent me statements of several months, of which card 's ending is  XXXX . I do n't know this card. I never received the card nor bank statements. I send them that the card was not mine. But the bank send me another numbers two times and transferred the balance of the fraudulent card ,  XXXX   XXXX  . They did not intend to correct the statement. They reported to credit agencies a very starance credit card number under my name. I do n't know how to do it.
XXXX XXXX, XXXX XXXX, calling friends and family, threatening to sue me and telling them about my issue. XXXX XXXX
Transunion completed an investigation of XXXX # XXXX, XXXX. # XXXX, AND XXXX # XXXX ON XX/XX/2017 ON-LINE. 


THESE INVESTIGATIONS WERE INITIATED ON XX/XX/2017 ON-LINE.THE FCRA allows 30 days to verify or delete etc ... ..only XXXX of the accounts of the XXXX above has been deleted.PROOF IS ATTACHED BELOW
We signed a purchase agreement XX/XX/2016, on a condo at XXXX XXXX, SC. For a few reasons, we applied for a mortgage with Bank of America. Our closing date was XXXX XXXX with a 10-day extension. We were assured that we should have no problem closing by that date. Even though the Home Services Specialist ( HSS ) who handled the application knew we were buying a beachfront condo, he did not aggressively pursue approval of the Condo Review Board until the very end of the process when that matter should have been addressed at the outset. As our closing date approached, we, our realtor, and our real estate lawyer tried to get specific answers regarding approval from the Condo Board and hence the mortgage. The HSS set XXXX different closing dates, with the final one on XXXX/XXXX/2016. The HSS would not return calls or e-mails or would promise to make calls that never came. At one point, he could not explain the condo issue to our realtor. He asked for documents which we supplied 2 or 3 times. Overall, he acted in an unprofessional fashion. Finally, on XXXX/XXXX/2016, our realtor forwarded an e-mail she received from the HSS telling her that the Condo Review Board had not approved the condo. As of XXXX/XXXX/2016, we have still not been informed verbally or in writing by the HSS or BOA that the mortgage was denied. Had the HSS and BOA been straightforward with us, we could have gone to another bank and probably closed the loan on time. We stayed in the process because the HSS gave us every indication that the mortgage ultimately would be approved. We and our realtor complained to the HSS 's supervisor only to have our phone and e-mail messages not returned. Because of the incompetence of the HSS, we nearly lost the condo.
On XXXX XXXX, XXXX we signed a contract with XXXX which stated that if we did not like the service we could terminate the contract. We were not able to receive any calls from our house. After seven calls and a visit to XXXX in which we explained our difficulties and were told that they were working on the problem and that it would be resolved. At this time we told XXXX that we terminating the contract. They accepted our termination and apologized. On XXXX XXXX, XXXX we received from XXXX XXXX a letter that we were in debt to them for {$1100.00}. On XXXX XXXX, XXXX we sent by certified mail a letter stating we do not owe the debt and stop the harassment. On XXXX XXXX XXXX we received a letter from Diversified Adjustment Service INC. that our account has been placed with then for collection of {$1100.00}. On XXXX XXXX, XXXX we sent a letter by certified Mail asking them to stop in their pursuit of Client Ref # XXXX Account # XXXX. On XXXX XXXX, XXXX we received a letter from Diversified Adjustment Service , Inc.a payment in full of {$1100.00}. I believe that they have broken a Consumer Protection law and request that you send them a cease and desist letter.
on XX/XX/XXXX I purchased some XXXX tickets for {$300.00} and made the payment through XXXX. The following day, XX/XX/XXXX I found out that it was a fraud. 

I contacted the seller and asked for a refund to which they said no. 

I then contacted my bank, Chase, through which I made the payment to ask for their assistance in reporting it to assist getting my money back. They said there was nothing they could do. I tried to elevate it, but they stated again that there was nothing they could do. 

I am now out of {$300.00} when I thought my bank would assist in reporting the fraud.
I opened a CitiGold checking account with Citibank on XXXX XXXX, 2016. While opening the account I applied for an ongoing promotion for XXXX XXXX XXXX miles. Before opening the account, I checked with a CitiGold account specialist to make sure I am eligible for the promotion, and was told that I am. After opening the account, I received a written confirmation stating the promotion disclosure. I completed all the requirements of the promotion within the time limit. After completing the requirements I again checked with an account specialist, at which time I was told that the promotional miles would be deposited within 90 days. After waiting for the 90 days, I again checked back, and now I am being told that Citibank is not going to honor the promotion, because according to them they were not supposed to target me for the promotion.