WillisBack/dataset-financial-user-claim huggingface dataset:
X/X/17 U.S. CITIZEN LIVING IN THE U.S. - I PHONED IN A CROSS COUNTRY WIRE TRANSFER OF XXXX XXXX FROM MY TD AMERICA BANK ACCOUNT TO MY TD XXXX BANK ACCOUNT. THE AGENT DID NOT ASK MY XXXX ACCOUNT NUMBER, ONLY ASKED ME TO CONFIRM THE LAST 4 DIGITS. X/X/17 THE MONEY LEFT MY TD AMERICA ACCOUNT. X/XX/17 MONEY STILL HAD NOT ARRIVED. I CALLED CROSS COUNTRY WIRE AND WAS TOLD A TRACER WAS PLACED ON THE MONEY AND I WOULD RECEIVE A CALL FROM INVESTIGATOR IN 3-5 DAYS. GAVE ME A PHONE NUMBER TO CALL FOR " INVESTIGATION ''. X/XX/17 RECEIVED WRITTEN CONFIRMATION OF THE WIRE AND SAW THAT A NUMBER IN THE RECEIVING ACCOUNT HAD BEEN TRANSPOSED FROM 6 TO 8.
X/XX/17 CALLED THE " INVESTIGATION '' PHONE NUMBER - IT WAS FOR THE LOAN  DEPARTMENT. CALLED CROSS COUNTRY WIRE TRANSFER AND WAS TOLD IT WAS A XXXX TRACER NUMBER. CALLED MY XXXX BRANCH WHO SAID THEY WOULD LOOK INTO IT. X/XX/17 MY XXXX BRANCH CALLED BACK NEXT MORNING - SAID MONEY HIT THE NONEXISTANT XXXX ACCOUNT AND WAS BOUNCED BACK TO AMERICA.
CALLED AMERICAN SIDE AGAIN AND WAS TOLD TO CALL BACK LATER FOR SUPERVISOR " XXXX XXXX ''. CALLED BACK LATER - WAS TOLD HE WAS IN A MEETING. X/XX/17 - HAVE NEVER RECEIVED A CALL FROM TD AMERICA BANK. HAVE NOT RECEIVED THE MONEY INTO EITHER XXXX OR U.S. ACCOUNT. THIS WIRE TRANSFER REMAINED SOLELY WITHIN THE TD BANK FINANCIAL GROUP. THEY HAVE OUR FULL ACCOUNT INFORMATION ON BOTH SIDES OF THE BORDER.
I have inquiries from your bank that i did not authorize..These inquiries were made by my ex wife without my knowledge or consent XXXX XX/XX/2017 & XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
I have outdated information on my credit report. Accounts are not reporting currently and last updates were XXXX 2015. It also shows my mortgage with XXXX XXXX as CLOSED and it is in fact OPEN and current! 

Their is a block on promotional marketing ( pre qual, pre approve, etc ... ) and I have requested at least 15 times to opt in to these and they wo n't remove the block. My address is incorrect and not reporting correctly and they refused to change it even after I submitted my documents
Someone tried to open a chase amazon visa in my name, I called chase after I got an inquiry alert from my credit monitoring service, notified them that it was fraud because I never applied for the card. I do n't have enough information to file a police report which I need to place a freeze on my credit reports. They will provide any information to me
TD Bank manipulated my account in order to force fees. They placed holds on checks and promised to refund fees related to those holds. They returned payments that should have been good, costing me money with my creditor and showing late payments on my credit report. Additionally, after they learned I intended to get a lawyer, they did n't remove the fees they promised to remove, they did n't properly initiate chargebacks, and they left my account at a negative balance. The following charges should not be on my account : XXXX/XXXX/2016 FEE OVERDRAFT {$170.00} XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX {$99.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 FEE OVERDRAFT {$35.00} XXXX/XXXX/2016 DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} ( unauthorized ) I have screenshot text messages where they agreed to remove all fees and this never happened. Once I had to bring a lawyer into it, they did n't initiate the chargebacks after someone got a hold of my card number. They 're being vengeful instead of professional.
Hello, I have an account with Chase Bank. It is not my main account as I do n't keep very much money in it. Its the account I use mostly when shopping online so the card info is saved on my computer. I submitted a few credit cards to be paid in extra and used this card. So last night I checked my bank account because I had to use the card a little extra when I left my wallet in the car with my husband and he was away at work. The account was low but not over drawn. When I checked I had XXXX in the account. This morning my bills posted and overdrew the account. Via Chase banks rules I have until XXXX Eastern standard time to pay back the account before over draft fees are assessed. Today at XXXX I woke up to an email advising me my account was over drafted XXXX which includes a bill I paid and XXXX, over draft fees. Not XXXX but XXXX totaling XXXX dollars! They did n't even remotely give me until XXXX eastern time to replenish the account. I called them to get this rectified and they would only waive XXXX fee, but kept the remaining XXXX on my account. I do not feel I deserve this at all this is supposed to be " over draft '' protection?! They told me, which I understand, that since they were electronic checks I can not see them on my account until they post and neither can they. But they couldnt explain why I had assessed XXXX fees all at once! XXXX fee I can understand and would probably have paid without much of a fuss. But regardless the over draft occurred today on XXXX then the fees should be assessed by XXXX as per their protocol! My bank account of course states they occurred on XXXX but I checked late last night before bed and it was still only at XXXX balance. So I find it wrong that they have it dated on XXXX when I was monitoring the account on XXXX and no over draft occurred. These time stamps are not correct! furthermore I get an email notification the second my account gets over drawn too and my notification was sent at XXXX on XXXX.
On  XXXX   XXXX , a dispute letter to the Transunion credit reporting agency was sent to validate the accuracy of a bankruptcy and  XXXX  judgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court.  When I contacted the  XXXX   County Federal District Court,  I was told by  XXXX  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /  XXXX   and Transunion received the dispute on  XXXX . On  XXXX , I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.
I am a XXXX XXXX, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the Department of Education has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.
In XXXX XXXX, I requested that my school send in updated verification information to continue my in-school deferment for my Wells Fargo student loans that have been in deferment since XXXX XXXX. On XXXX XXXX, XXXX, I was contacted via telephone by a Wells Fargo representative, who confirmed that my enrollment verification information was received, asked a series of questions, and told to expect a response within approximately 10 days. On XXXX XXXX, XXXX, after being notified my loan was no longer in deferment, I called to verify the status, and I learned that my deferment was still being processed. 
None of my other student loan lenders request updated enrollment information to continue a deferment for a four-year XXXX program ; it is only Wells Fargo that mandates annual re-applications for deferments while in a four-year program, and Wells Fargo still has not updated my deferment even after receiving the needed enrollment verification one month ago, causing my loan to go into repayment.
Good morning, just a minor error. On my report it says that I 'm unemployed, but that is not the case. I 've been at my job for a total of eight years hired back in 2008 till present. Same place of employment XXXX in XXXX Nj. Please respond to this issue. Enjoy the rest of your day and have a safe weekend.. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX
In consideration of the PSLF program, I consolidated my loans under the Direct Loans ( in XX/XX/XXXX ), and have worked with a qualifying employer ( federal agency ) since XX/XX/XXXX. I have been under the PSLF program since XX/XX/XXXX and have paid my payments in full every month under a qualifying income-driven repayment plan. My PSLF employment recertification form was completed and received by the servicer in XX/XX/XXXX ( attached ). 

In XX/XX/XXXX, I received an update on my PSLF qualifying loans, stating I have 30 qualifying payments for both subsidized and unsubsidized loans, and qualify for forgiveness in XX/XX/XXXX ( attached ). This is correct. 

I recently received a second update on my PSLF loans in XX/XX/XXXX which now states that I only have 11 qualifying payments and qualify for forgiveness in XX/XX/XXXX ( attached ). This is incorrect and came as a total surprise given that I received a different number only two months prior with no changes since then.

I called the servicer right away and the Servicer representative could not explain what happened. They stated the computer automatically calculates payments under some criteria they couldn't explain. The rep flagged my issue for " manual review, '' but also stated that it would take 3 to 6 months before I get an answer. They could not provide any acceptable answer or honor my request expedite my issue.

Considering this effects more than thousands of PSLF applicants, I would like to press the issue of the Servier incorrectly processing payments by " automated processing '' and improperly managing the accounts and communications to the customer.

The review time is 90 to 180 days for a " computer glitch ''. Instead of addressing the inaccurate automated processing directly, the servicer is choosing to delay any correction by placing it under " manual review '' for an unreasonable period of time. Shouldn't the review be completed BEFORE the account is updated and BEFORE the communication is sent to the customer? Due to its automated nature, this is a blatent Servicing error that affects thousands of applicants, yet could easily be corrected by the Servicer.

This issue presents as poor communication and handling by the Servicer. If this is a common issue with the PSLF program, it needs to be addressed  immediately to maintain the integrity of the program. When applying for forgiveness down the line, I need to know that my payments will be honored. Please let me know what information you need to rectify this problem. Thank you.
Tower Loan office in XXXX and XXXX Mississippi have completed illegal hard inquiries that has greatly affected my credit score. They did not have permission to complete the hard inquiries on my account, nor have I been into their office to apply for a loan since 2013. These illegal practices are an attempt to sabotage my credit history.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. It 's very disappointing how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call. The only way I discovered this was through social media. Furthermore, I had to do their work for them and go to their poorly constructed response website to find out for myself. 

It has now has cost me several hours as well as money to freeze my credit, and more importantly, will continuously demand my time and money in order to pay for unfreezing reports as necessary in the future.
I received a bill for excess wear and use related to the end of a lease for a XXXX XXXX. The bill was dated XX/XX/2018. Upon review of the inspection report, I discovered significant damage to the rear bumper of the vehicle. There was no damage to the vehicle when it was returned and exchanged for a new XXXX XXXX. The salesperson XXXX XXXX XXXX XXXX took photos of the car when it was returned. Upon receipt of the inspection report and the bill, I contacted both Toyota Financial Services and the dealership. Both promised a review of the file and that they would get the photos from the salesperson to confirm there was no damage to the vehicle when it was returned. I emphasized to both parties -- especially since they insisted that I was at fault for not getting a pre-inspection prior to returning the vehicle -- that I was not told of the opportunity for pre-inspection until *after* I had exchanged the vehicle. Toyota Financial Services promised a call back from the escalations desk in XXXX hours. No call was received. Eventually, I received a revised bill which indicated that they had removed {$100.00} for " excessive stains '' on the seats. The {$460.00} charge for the bumper remained. Eventually, after being unable to contact anyone at XXXX or the dealership to resolve the issue, I paid the requested amount to prevent further collection action. I then spoke with a representative on XX/XX/18 who indicated I had been misadvised as how to handle a dispute and that I needed to write a letter to Customer Service XXXX XXXX. I did as directed and XXXX never replied.
I have an XXXX store line of credit ( via synchrony ) and wanted to transfer the balance to a new card I just opened with my credit union. 

They said they do not allow them. 

" XXXX XXXX : AgentXXXX XXXX : We do apologize, unfortunately we currently do not offer balance transfers between credit cards. I regret the inconvenience. '' So basically they are not accepting a check that was already sent to them by my credit union, and keeping me locked in to a higher interest rate. I think that is criminal/highly unethical. My credit union tried to send them money but they rejected it. How is that okay?
I am contacting your company because I am a victim of identity theft there was an account opened in my name that I was not aware of nor did I have knowledge of and I want it removed from my credit report at once because it is fraud and does not belong to me OTHER LOANS XXXX/XXXX  Reported : XX/XX/2018 + {$220.00} Closed Remove this account because it does not belong to me.
Because I was a XXXX right out of college, I had to defer my student loan payments and was crushed with tons of capitalized interest and extra fees. I have been paying loan off since 2014 and I am getting no where. It 's now over {$50000.00}.
I submitted a payment through my USAA app using XXXX of {$600.00} on XX/XX/2019 to a person posing as a dog breeder. The payment was for a puppy that was never received. I called USAA and filed a complaint with XXXX on XX/XX/2019. USAA told me that there was nothing they could do. XXXX contacted me on XX/XX/2019 stating that they do not offer any protection for payments made through their service.
A prior complaint was filed by me in reference to mortgages with Signature Banker secured by two apartments in XXXX XXXX. I advised the bank that they erroneously engaged in a foreclosure action against me. After sending my proofs of payment, the bank finally acknowledged that it made an error and sent me statements which included charges relating to the foreclosure. I should not have to pay such charges if the bank improperly engaged in this action against me. Furthermore, we have attempted to make monthly payments in the past and the bank has rejected them stating that it will only accept a payment that conforms to the fully amount they are claiming is due to them. I am seeking to receive proper statements from each of these loans which portray the amount that is owed so that payment can be made.
Equifax was hacked. Social Security numbers, credit card numbers, and names were some of the things that were stolen. I entered my information and it claimed that my data may have been compromised. This puts me at great risk for credit fraud. 

If the company was storing this data in plain text then this was negligence and the company should be punished severely. Most major companies encrypt data to prevent this kind of information from being stolen.
On XX/XX/2018 I sent a letter to I C Systems requesting validation of a collection account that is being reported on my credit reports. As of today I have not received any response from I C Systems.,
home owner association said i had an {$8000.00} dept of pass due amounts so they collected the rent on my property ( rental value {$1500.00} ) for 2 years collecting total amount of {$29000.00}. 
this is more than XXXXtimes as much. they said lawyers fees, late fees, interest ok so they collected {$16000.00} more .i do believe this is robbery!! but ii want to move back into my home and they want to still continue to collect more money and not allow me back in my home..also they want to collect half the rent rate in the area just so they can continue to make more money from my property.
On XX/XX/2018 I requested my credit report from Equifax. I received someone elses credit file that was not my own. I called Equifax 3 times to tell them what happened but they were not able to tell me what happened to my credit report or why I received someone elses credit report.
Hello, I received a letter on XXXX XXXX 2015 stating this account was delete from my credit report and now it 's reinserted again. The account is XXXX XXXX XXXX # XXXX. I have attached the letter from Equifax showing the account was removed. Also, I requested " Validation '' information on XXXX # XXXX and not " Verification '' and it was never presented and I have the cast number to provide. The request in CFPB system. In addition, this account over the status of limitation and Equifax has changed the dates which is against the Fair Credit Act.
I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three,  XXXX was the most responsive. XXXX   began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock Equifax and XXXX credit reports. I'm still unable to successfully use XXXX XXXX through the HTTP// : XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and Equifax customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and Equifax customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they Equifax and XXXX included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.
I opened a Citigold checking account in response to a bonus offer of XXXX XXXX XXXX miles for doing so. When calling to apply for my account on XXXX XXXX, I spoke to a Citi representative named XXXX who explicitly confirmed my eligibility for this XXXX miles offer. On XXXX XXXX around XXXX, I spoke to a New Account Services Supervisor named XXXX because I was upset about changes in the methods available to me for funding this new account. XXXX convinced to continue with opening this Citi account and provide Citi my funds and business by confirming that I was eligible for this offer and would be receiving the XXXX XXXX bonus miles upon completion of certain bill pay criteria. In XXXX, upon completing the account requirements described in the initial offer and confirmed by XXXX, I sent a message to Citi through their online banking site to confirm I had completed the requirements for this offer and asking when I should expect to receive my miles. A Citi representative responded by confirming I had completed the steps and I should expect to receive the bonus after several statement cycles. In the meantime, a {$30.00} account monthly maintenance fee started being charged to my account. After several cycles, I contacted Citi about the delay in receiving my miles bonus. The eventual reply was I would not be receiving the bonus because I was not actually eligible. So I was informed multiple times that I was eligible for the offer in order to get my business and until Citi started receiving a significant fee from my account, only to now be informed that I am not eligible after getting my business and my money. Citi should honor the promises made by their representatives on multiple occasions and provide the XXXX XXXX signup bonus.