WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX, I took out {$250.00} from the ATM using my debit card. After taking that amount out of my account, my available balance ended up being {$1.00}. My bank card was stolen and I reported it to the bank. Once I reported to the bank there were already transactions on my account. There was an online deposit of {$1900.00} from XXXX in XXXX on XXXX XXXX that I did not make. The bank then told me to call the hotline and I spoke to the fraud team and filed claims and faxed all the information they needed to them. While the claim was still being researched, I was paid direct deposit from my job of {$570.00} on XXXX XXXX which I was unable to use since my account was on hold. On XXXX XXXX, there was a reversal sent to my account and the bank sent a letter in the mail letting me know they were giving me a temporary credit of {$1900.00} while they researched the funds and that I could use the temporary funds until they decided if the charges were correct. On XXXX XXXX, I was paid direct deposit again of {$470.00}. Both of my direct deposit payments together was {$1000.00} which was all I wanted. I did not use the temporary credit they gave me, only the money that was mine in order to pay my bills. Once the claim was researched, Chase denied my claim of the transactions being fraud and informed me that I was denied for accessing my account while the research was still in progress even though I was only accessing my account to be able to calculate my money only from my earnings. Therefore, on XXXX XXXX they reversed the credit and my balance became XXXX. Before this was reversed, I had {$7.00} left and my account balance was XXXX. I asked them to close my account since my direct deposit was still attached to this account and they told me they could only restrict my account and it would be closed within 10 days but the account allowed direct deposit and automatic payments but prevented withdrawing or depositing money. I informed my job, XXXX, what was going on and asked them to stop my direct deposit and I was told they would change my payment to a pay card instead of in my bank which they did not. On XXXX XXXX, my direct deposit of {$560.00} hit my account and made the balance - {$1400.00}. Since my account was restricted, the banker said at branch level, she was unable to separate my direct deposit from the other transactions then advised me to call customer service. Customer service send me to speak to the claims department, the claims department sent me to the fraud team, and no one was able to help. 10  days passed by and I went to the bank and I was told that my account did not close like it was supposed to die to a glitch in the system, which caused my direct deposit on XXXX XXXX, of {$290.00} to go into my account, making the present balance of - {$1100.00}. My job did not stop my direct deposit after letting me know they would. My job told me that they would not be able to get my money to a new account unless the bank sends money back. The bank says the can not send any money back since my account is restricted. Now all of my money has gone into this account and I was told it can not be taken out.
Navy Federal continues to report fraudulent accounts on my credit report ( s ). These accounts were not opened by me, I have not ever benefited from these accounts and have already reported these accounts to Navy Federal Credit Union as fraudulent. First of all Navy Federal found my phone number some how and called my phone sending threatening voicemails, stating they would come to my house and that they would make sure I " go down ''. I did not authorize this company to call me first of all, Second of all after my Identity was stolen these accounts and membership were opened at Navy Federal. I never received any Credit Cards from them. When my identity was stolen the crook opened two credit cards with Navy Federal credit union, and a checking and savings. This information was received by calling their customer service number. Additionally Navy Federal CU only got my new address because on my Complaints from the CFPB it shows my address. So they updated their system on these fraudulent accounts with my new address. I should not be liable for accounts and cards that I NEVER RECEIVED. Also on their website per their terms it states if you open a membership with them online, they will send you a signature card to sign and send back. Approving that you opened the membership with them. I want to make it clear that I never received that by mail, and I NEVER SIGNED IT either. I know that for fact. Lastly, I want these accounts removed from my XXXX credit bureau reports and all of the other reporting companies they are reporting to. I never opened membership with this credit union. The crook forwarded my mail and also received all of my personal information after stealing my wallet they had my SSN from my Social Security Card and my Drivers License, and Also my Email addresses. I did attempt to recover my wallet but I was not able to. I have already tried reporting this to Navy Federal Credit Union as fraud and they continue to deny anything saying they researched and there are differences in stories. That's not true its been the same information every-time. I DID NOT open membership with your credit union. I have not ever received any cards and I found out from USPS that my mail had been forwarded. I have only recently corrected that. I do not have account numbers to report because it doesn't list them and I never received any cards. Lastly I have not called in on these accounts but only to tell you these were fraudulent. Please update your records and correct the fraud. Which I believe occurred from someone inside Navy Federal especially after receiving calls of threats. I do not owe these accounts because I have already notified you of Identity theft and my rights from the FCRA. Please update the credit bureaus promptly and update your internal records.
I purchased a car XX/XX/XXXX for the total purchase price of XXXX with tax. The only bank that would approve the loan was CPS due to some financial hardship in the past. 
The monthly payments were XXXX. After making XXXX payments of XXXX, I noticed that I still owed XXXX After speeking to an extremely rude lady, I was told they took all the pyment ( including the extra ) for interest. They say it is a simple interest loan therefore they can do that. I asked where is the extra money going? I was told it was paying for the 12 monthly fee to pay my payment on line, and since they never given me a physical address, I had no other way to pay. After contacting the Attorney generals office, they ha seemed to taken some fees off, but after XXXX payments, I still owed XXXX ( which seems to be there majic number ) ... I moved out of state and got behind due to not being able to find full time work. They have called everyone I know, including friends on facebook ( that have public phone numbers, and who where NEVER listed as contact people ... ) they were calling my job 10-12 times daily .... I had contacted them to try and make arrangements, and there solution was for me to make XXXX payments a month when they know I could n't even make one .... I also needed to change my tags over to the new state of residence and they refused to release the title to the state for them to issue me tags. So now it has been a year and my tags are going to expire in 2 weeks, and they wont pick the car up or release the information so I can get tags ... This is the worst financial company I have ever delt with, the GOVERNMENT need to shut them down and give us all every dime we paid them ... I have paid them a grand total of XXXX for a XXXX loan, and still owe XXXX???? are you kidding me??? please someone do something .. My credit is destroyed and I wont even be able to drive the vehicle because I cant get tags!!!!!
Leave repeated messages harassing myself and my wife by threatening to appear at home or work and to be ready. Uses a very aggressive tone and claims to be visiting to as part of a civil lawsuit, however, Clerk of Courts searches did not reveal any pending litigation.
attempting to collect on a debt that is 7+ years old and is not reported on any of the XXXX credit reporting agencies reports.
Portfolio RC continues to reinsert three accounts that have already been settled and paid. The accounts initially reported to XXXX as a collection account on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX the debt owed was paid and settled and Portfolio RC reported this to the bureau. Since that time the accounts have been removed 4 different times after Portfolio continues to report and reinsert these derogatory accounts even though they are paid & settled as agreed upon. 

XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX-XX/XX/XXXX Portfolio RC reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- Portfolio RC reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX- XX/XX/XXXX Portfolio RC reports & reinserts all three accounts back on my report. 

XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- Portfolio RC reports * reinserts all three accounts back on my report. 
( Record of Accounts Activity & Updates attached ) In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the consumer is to be notified of any reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material. 

( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I have received no such notification & this is a very serious violation of the FCRA. Not to mention, each time Portfolio RC reports & reinserts these accounts on my XXXX  credit report my credit score decreases by 20-30 points every time! When they accounts are removed I only gain 5-7 of those points back, which is tremendously affecting my credit score and creditworthiness.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Someone had used my information to pull Hard inquiry which I had never authorized..

XXXX XXXX  XX/XX/2017 Equifax XXXX   XX/XX/2017
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 
Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.
I revoked a payday company on XXXX XXXX from taking money out of my bank account but they have done so several times and I filed dispute with my bank but the bank refuses to refund my money back and continues to allow this company to draw money out of my account without my permission
My mortgage with XXXX XXXX XXXX  was discharged in bankruptcy on XX/XX/XXXX Then, the worthless mortgage was acquired by Ocwen Loan Servicing LLC [ OLS ] on XX/XX/XXXX almost 18 months after the bankruptcy for {$130000.00}. 

Then on XX/XX/XXXX OLS began foreclosure proceedings in XXXX County Court, Florida. I was told that the Foreclosure was for clearing the title and not an attempt to collect the " XXXX '' debt. 

The subject property was sold on the market in XX/XX/XXXX for {$160000.00}. 

On XX/XX/XXXX the property loan balance {$130000.00} was removed from OLS books including late charges of {$1500.00} The removal of the loan balance, called a " cancellation '' of debt by OLS, created a XXXX for XX/XX/XXXXof {$130000.00}, FIVE years after the bankruptcy
On XX/XX/2018 my vehicle was involved in a fire from another vehicle which resulted in a total loss. When I called Santander to file the claim and inform them I eventually was told that yes I do have a gap insurance policy and that I was charged for that over the term of my loan. The phone call that confirmed that was on XX/XX/2018. I did everything I could to reach out to both the original car dealership " XXXX XXXX  XXXX XXXX '' located at XXXX XXXX XXXX, XXXX MD XXXX. The sales person was XXXX XXXX and was very dishonest at the time of the car purchase. The company went out of business and also the GAP Insurance company turned out to be fraud. At the time of purchase I was required to buy GAP to insure the loan by Santander. Now Santander is calling my personal phone, as well as, all of my family members to receive the balance of the loan even though I paid Santander over the course of the loan for GAP insurance coverage. They are harassing me and my family, and they will not accept blame or settlement for the balance even though I believe that is unfair. In addition they have dealt extreme financial stress to me because they are reporting the loss to the credit bureaus and causing additional financial stress on me, my wife and children. I've even spent hours on the phone trying to get someone at Santander to understand, and they continue to call and harrass me daily for the balance.
XXXX money gram online. For deposit on embroidery machine. They cashed it and ran.
We had a credit of {$100.00} on o ur American Express Optima Platinum Card  ending in  XXXX . Called the company on  XXXX / XXXX /  XXXX  , and asked them to send us a check for that amount. They told me they would do so. I called again on  XXXX / XXXX /  XXXX  , because we had received the check, and inadvertently shredded it with some other credit card offers, so I told them that I would need a new check issued to us in the same amount. They told me that this would be no problem. Please note that the card with the credit issued was under my husband 's name of  XXXX   XXXX   XXXX . I also have a card with  American Express e nding in  XXXX , and my name being  XXXX   XXXX   XXXX . Please note that when I contacted this company, I called from my home number which was verified b y American Express, an d the check was going to our home address in Pa. I received another letter from them dated  XXXX / XXXX /  XXXX  , stating that a stop payment was put on the check that I inadvertently destroyed, and a new one was issued. I received another letter  from American Express  dated  XXXX / XXXX /  XXXX  , stating that they issued the check on  XXXX / XXXX /  XXXX   for {$100.00} and to please disregard any other communications that I received from them. I called them again on  XXXX / XXXX /  XXXX   to tell them that we still had not received our check. They proceeded to tell me that they had to speak to  XXXX   XXXX  because the credit card that had the credit balance was issued in his name. My husband got on the phone and proceeded to tell them that they could speak to me regarding anything that has to do with credit cards, etc. They gave us a line that the check was going out that day! I told them that I wanted to be contacted by a supervisor, and they proceeded to tell me that no supervisors were available on that date, and that one would call me back with in 24 hours - th at never happened. On  XXXX / XXXX /  XXXX  , and   XXXX   XXXX  ., I call ed American Express from o ur home phone, and asked them where our money was. I got no where with a customer service person, like usual, and spoke with a supervisor that I waite d 10 m inutes for named  XXXX , who told me that he had to speak to my husband. It was  XXXX   XXXX   XXXX  ., and my poor husband was sleeping. I was the crazy person who was up and going nuts over the lines of baloney they gave me when it came to the money that was owed to us. He said that I would have to call back because he could n't give me any information regarding our account. At this point, I got so mad that I hung up on him, and once we get our money, if we ever get our money, I will close that account.
I received treatment from a place called XXXX before I was seen by a doctor I had to submit my insurance information and a debit card on file. I never received a bill for the remaining balance that insurance did not pay instead the company was bought out by XXXX XXXX XXXX and all bills were turned over to Transworld collections I noticed the bill on my credit report and called and paid the bill immediately but also wondered why they did not use the debit card on file or XXXX card to pay the bill.
My mother, XXXX XXXX XXXX, passed away in XXXX of last year XXXX XXXX ). I, XXXX XXXX, was named as both the executrix and sole beneficiary of the estate. XXXX XXXX had a mortgage through XXXX Mortgage. 

After letters of testamentary were issued to myself, XXXX XXXX, I issued a certified ( with an embossed seal XXXX letter of testamentary, which named me as the executrix, to XXXX Mortgage. I also sent a scanned copy via email to both their customer care and special loans department. I received both email and physical written confirmation of receipt of documents from XXXX Mortgage. The letters were issued by the court in XXXX, the documents were sent to XXXX Mortgage in XXXX of XXXX. We were told they would take XXXX months to be put into imaging. We have followed every protocol they have requested of us, and have been making payments until we missed XXXX due to an error on my part, probably due to the emotional state we were in around the anniversary of her death, in XXXX XXXX. We are currently requesting to speak with someone about the late fee and having a XXXX month loan payment pushed back due to XXXX XXXX which has made our personal bank inaccesible. 

Freedom mortgage refuses to speak with me. They request, every time I have called XXXX In XXXX we did this as well XXXX, that I resend the documentation. I did so in XXXX and again in XXXX. They will not speak and deny we have sent it or that they have received it XXXX we have confirmation stating otherwise ). 

This is traumatic everytime we go through it because we can not continue despite probate being closed and must go through this process over and over again, and they still refuse to speak to me. It 's incredibly upsetting every time. 

Someone name XXXX at XXXX Mortgage hung up on us despite being advised repeatedly not to do so.
I live in XXXX XXXX MD, I'm a single mom of XXXX. I was laid off in XX/XX/XXXX from a company, that I was employed with for 20+ years. I lost my home I lived in for 6 years with my children, it was my primary residence. We had to give up the family pets. 
My children and I have nowhere else to go but to become XXXX. 

My children and I have been through a lot. I have tried to keep a stable life for them over the years. I have lost that special bond parents have with their children because I had to constantly, keep a roof over their heads. It hasnt been easy but I never given up. I paid {$20000.00} down on a home and the person stole the money and disappeared. Now because of me being laid off I started to have problems with the bank even though I paid my mortgage and my home was sold wrongfully. In trying to obtain gainful employment the social security administration somehow messed up my information causing me to become unemployable. I'm still fighting this issue but I am working since XX/XX/XXXX. I have worked hard to get this house but unfortunately, I lost the battle to Wells Fargo. They know how to lie and create invisible documents.. Before, losing my job I would pay my mortgage twice a month before the mortgage was due. 

I would be very appreciate of the help. I am willing to help anyone I can so please keep me in mind all the time, if someone else goes through this same problem. I am a proud mother and person I would never asked for help but I have no one to turn to solve this problem. I would like help to buy a home free and clear with no bank or mortgage company. Ill appreciate any assistance or amount for this. Thanking you in advance for any help you would be able to help me with. 

Please help. 



Thank you
On XXXX XXXX, 2015, Im received a cancellation email from American Express. After, receiving the email i called customer services, and then got transfer to a credit special in another department. Im ask them why my account were cancel, since i was making payment on time and my credit score and financial affairs are all good status. Agent said because my credit fall to XXXX on XXXX XXXX. Im explain to them that right at the moment i have a credit score of XXXX and do n't understand why they took this decision. Then the specially mention inquiries I 'm have done with other banks, and Im said I 'm have apply to other credit cards company during the last past days since my income have got up. Then the customer services he will take in to consideration and will give a decision within 90 days. I called today, and i spoke to another American Express agent and he said I 'm was denied. 

Im feel I 'm was discriminated and rejected for making payment on time and having a good credit score. Im have almost XXXX rewards point in less than 3 months and I 'm were trying to be the best customer and then for not reason at all they closed my account. I 'm believe I 'm lost about {$500.00} worth of reward points. Im strongly believe this is unfair and discriminatory and wonder how can you help me take this in to the next level, because what they just did it just unfair under bill of rights. Thank You!
There is hard inquiries on all three credit accounts I dispute with the companies on the report they tell all three credit reporters I have no loans or inquiries from them they tell me and the company 's they dont care, and do nothing then they blocked me from writing calling or accessing my online account for the credit reporting agencies blocked me so cant do nothing thats what they do when you file a complaint on them. so I cant dispute law shows they cant report.
{$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.