WillisBack/dataset-financial-user-claim huggingface dataset:
I have a variety of direct ( sub and unsub ) and stafford loans from my XXXX education that were originally through XXXX XXXX, but transferred to Navient. After completing my XXXX education, I worked for two years and then went to XXXX school. While working, I made consistent payments on the loan and I tried to set up an income-based repayment plan with Navient while in XXXX school, but was told ( incorrectly ) that it would make more sense for me financially to just defer my loans until after I complete my graduate program. In light of the recent suit filed against Navient on XXXX XXXX, 2017, I have now come to realize that my loans have been accruing interest this whole time, leading to more unnecessary debt for me, and profit for Navient. Had they not misguided me down this path, I would be in significantly less debt and making consistent payments on the loans.
Equifax allowed a massive security breach that exposed my information and the information of millions of people. They withheld information long enough for the CEO to sell his stocks before the news tanked the stocks worth. Clearly this company is not capable or interested in keeping my personal information private but I can not opt out of their services. Normally, we would rely on this government agency to investigate Equifax. Normally, somebody who uses insider information to trade stocks goes to jail but it appears that this agency is uninterested in protecting public interests because it's totally corrupt.
This has been and ongoing issue and I each time before seem to have been ignored. Wells Fargo had ignored my personal concerns so much to the point of having time run lower and lower with this issue. Their last response they had stated that the statute of limitations had run out. Even with my first contact by telephone I was given the runaround without any straight answers. Each phone call nothing to nowhere. I had even asked if I could speak with a supervisor. They told me that they were not available. I know that it has been sometime. The FDIC is the folks who referred me to the CFPB. Wells Fargo had kept asking for days, dates and amounts of transactions. I told them each time I have no idea the exact amount. I do not even know the exact dates. If I had known I would have provided them with that info. I not that long ago had a bit of a windfall. That being said with my personal savings and checking was up to {$20000.00} dollars. I myself rarely spend money I have to be careful and using sparingly. I am a XXXX person and do not have much money. Wells Fargo is the bank that has held my account for many years. I do believe that it is their responsibility to keep that money safe. Wells Fargo knows how much money that I have and they also know that I can not afford an attorney. If I could have afforded an attorney I would have seen one as soon as they denied and misappropriation of personal funds. I do not qualify for much of any help and or assistants from any law service. Wells Fargo knows that I'd never be able to retain any forms of representation. So that is why I believe I had been ignored all this time.
For the third year in a row, I have requested my free credit report as required by law. I have had no problem getting these reports from XXXX or XXXX. However, I have yet to receive a report from Equifax. There is always something wrong with my responses to their questions and I must " request my XXXX credit report via postal services. ''
I am being contacted at work by a company called Diversified Consultants. I have asked for them to stop calling, they continue to do so.
I tried contacting Equifax about the hacking of consumers credit report that was reported in the news. Tried unsuccessfully to contact them by phone. I proceeded to go on the internet to read the different articles on what I needed to set up my protection from hackers. XXXX articles stated that Equifax will protect me for 90 days than charge me for an extended protection. Another article said that it would protect me for one year with out charge. The same article also said that I should contact the other two reporting Credit agencies to see if their any problems with my credit and to protected my credit from hackers The only drawback is that other agencies would charge me. I feel I should not be charge for this service and that Equifax should pay since that were hacked. There are other items in these articles that make it difficult to proceed and protect the consumers rights.
I did a stop payment on any and all payments to Lendmark - They charged my debit card, and the bank information I was given stated that I authorized the payment over the phone.

Lendmark posed as me, and authorized the payment without my consent. This is fraud.
I opened a credit card account with XXXX XXXX last year and almost from the beginning I started getting fraudulent charges. I referred them to the credit card company and trusted they will be handled properly. I noticed that some of them were dealt with but recently I went through all my transactions and noticed that they are many more fraudulent charges on my account. So I called XXXX XXXX yesterday ( XXXX XXXX, 2016 ) and spoke to a gentleman who promised to take care of all my needs, including initiating a security closure of my account that was supposed to be effective immediately, i.e., yesterday XXXX XXXX, 2016. Today ( XXXX XXXX, 2016 ), I received an alert email from XXXX XXXX showing that my account is still active and that it has been charged with XXXX new fraudulent transactions from XXXX different states. The manager at XXXX XXXX with whom I spoke today is XXXX ( ID XXXX, Maryland office ). She promised to initiate an internal investigation to determine why her colleague did not do his job yesterday which caused my account to get additional fraudulent charges.
I had a previous submission and the case number is XXXX. 
I got a Company response from CHASE but was not satisfied with the result. 
Chase didn not find out the transaction i disputed was sacm/fraud. 
They told me my claim is expedited to resolve but still under investigation, and they have timeframe to resolve the claim and they issued me a provisonal credit for temporary. 
I expected them to resolve the claim and find out it was unauthorized transaction which was scam/fraud by unknown person. 

I copied and pasted the previous submission below. 
On XXXX XXXX, 2016, while I was checking my CHASE bank account, I noticed that unknown transaction {$200.00} was on pending from my checking account. It showed XXXX XXXX XXXX XXXX which I never used or authorized. I never heard of the name XXXX XXXX. I never lost my debit card and never shared with others. 
I called Chase Customer center and was transferred to CHASE Claim Department. 
I explained the unknown transaction is on pending which is fraud/scam, and I submitted a claim. 
Chase put {$200.00} in my account as a temporary credit for claim # XXXX, and they say they may remove the temporary credit if it 's determined that the transaction was correct or authorized. 
Next day, the status of the unknown transaction has been charged from pending status, and it showed XXXX XXXX XXXX XXXX. 
I was working XXXX 
I never visited or talked to someone who live in XXXX 
I researched the phone number XXXX, and i noticed that there are lots of victims. 
XXXX Chase told me customers can resolve disputed transactions by notifying the business, so they asked me to call the business to resolve this issue. 
But the number XXXX is not working number. 
I also contacted XXXX because the letters XXXX from the description stand for XXXX. 
I gave my debit card number to the XXXX customer center and they were able to find the transaction. 
I have a XXXX account but NEVER linked to any of my chase accounts. 
I only linked to my XXXX XXXX bank account. 
They told me they can not give more information about this transaction although the card holder 's name is my name, because the transaction was not linked to my XXXX account. 
XXXX recommended me to ask Chase to contact XXXX so they can give money back. 
I called Chase again and told everything i was told by XXXX, but they always gave me typical answer they will working on. They never contacted XXXX.
I negotiated my house mortgage refinance with Loan Depot at 3.0 % ( 15 years ) with no points. 
I submitted all the paperwork which took around 2 months. 
At the time of closing I was surprised to see Loan Depot was charging me points to get 3.0 %. 
Before completing signing / closing documents I called Loan Depot personnel and explain about same, but this person never agree to what I was trying to explained, eventually I signed on cancellation form. 
When I complained to Loan Depot via their survey, their associate called me and apologized and said something went and they could not give discount / rate they promised.
I disputed the creditors XXXX XXXX and XXXX with Experian. They have the same account listed more than one time on my credit reports, which is against FCRA. I have contacted the organizations and disputed with Experian and Experian is indicating that the accounts are mine. Please know first of all these are fraudulent accounts and if that is n't bad enough they have the same XXXX account from each organization listed more than once on my credit reports. So again, they have the same XXXX account for XXXX XXXX reporting two or three times and XXXX is reporting two or three times, same accounts. If they review they can see that they have these accounts listed more than once. The XXXX account belongs to XXXX XXXX, I never signed or was aware of the account until viewing on my credit reports.
I refinanced my Wells Fargo mortgage. Final payment for the mortgage in full was received on XX/XX/XXXX. Wells Fargo took Private Mortgage insurance for the entire month of XXXX, because they received the monies for payment in full on XX/XX/XXXX. They refused to prorate this amount. My Mortgage agent - XXXX from XXXX XXXX XXXX XXXX in XXXX, Minnesota said that Wells should have prorated and only charged the two days PMI as all the other lenders do, but was stealing the rest of the monies. When I challenged this with Wells they said they take for the whole month. They escalated to people that either knew nothing about how the PMI was supposed to work or just said we did what we can and you 're out of luck. My understanding was that in XX/XX/XXXXthe laws changed to favor the consumer and said lenders must prorate Private Mortgage insurance. We closed our Wells Fargo Mortgage loan on XX/XX/XXXX. We had PMI taken in XX/XX/XXXX that I understand would have covered the month of XXXX because it runs behind and we paid an additional {$290.00}. representing another two months of PMI at {$140.00} per month and we should have had to pay the {$140.00} for the one month and only two days Interest for XX/XX/XXXX and XX/XX/XXXX for {$9.00} total and they should have refunded us {$130.00}. Their customer service just keeps talking to you saying we get to keep the money and then keeps polling you to ask if you 're satisfied. Of course I am not because I feel they wrongly took the {$130.00} and should have prorated and just charged us for the two days PMI. I spoke with XXXX XXXX at Wells Fargo and others to no avail. He is a really nice man but really did not know if Wells Fargo should have prorated and it seemed outside of his expertise and others had told him Wells will keep the money and that 's where it stood. Our loan closed out and we had a zero balance on XX/XX/XXXX and then were charged PMI of {$290.00} on XX/XX/XXXX. We had also paid {$140.00} in PMI on XX/XX/XXXX and of course, we paid PMI every month out of our payments and were never behind.
XXXX has been non-compliant with removing the unverified account RUSSELL COLLECTION AGENCY INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that RUSSELL COLLECTION AGENCY INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
The company contacted my family member, who 's phone number was never provided to them, divulging the details of the past due balance of {$180.00} on my account. This is a bill that has a monthly payment and I have asked them repeatedly not to contact me. They do not maintain accurate records on their website, which I have requested on several occasions.
Citi Bank website said they will pay {$300.00} bonus when we open new savings account and deplosit XXXX funds. After 90 days, I will get bonus. It's been almost 4-5 months but I didnt get any money. When I made few calls to them they kept transferring calls here and there and ask me promotional code. 

I did some online research and found since the offer is for everyone their system generate random promo code for every application in backend and assigns it that customer does not know when they open account online. Customer service hangs up the calls, shows attitude, waste times, put you on hold for long time. No luck. 

Saving account number XXXX You may contact me at XXXX XXXX
I have some various inquiries in my credit accounts. All 3 : XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted Chase, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Date XXXX/XXXX/XXXX amount {$41.00} at XXXX XXXX store NO. # XXXX XXXX XXXX XXXX XXXX WA XXXX. Cashier # XXXX My check was Denial on the decision of XXXX XXXX out of XXXX Texas XXXX XXXX. I have fantastic credit, home owner, with NO habit of writing bad checks and have money in my bank account!! call this company and all they could tell me is : well ... we have not check your bank account you just wrote to many checks for XXXX day! I wrote XXXX checks that day and that was my XXXX. ITS XXXX!! I am so upset! I stood in line to be refused by some that that company is BASE OUT OF THE XXXX ... .... named XXXX who 's ID number is XXXX I feel very violated, disrespected and been discriminated no base 's of facts!!!!!!!!!
On XX/XX/2018 I sent a Lease payment to my landlord via XXXX quick pay service by Chase bank account using the payee 's phone number associated with his account for the amount os {$1200.00}. 
The payment went true according to the bank records but on the 11 day my landlord contacted me asking why my payment haven't been sent, I inquired with Chase and they stated that the funds were taken but my landlord denied receiving any, we contacted XXXX customer service they sent us to complain with Chase bank, whom told us to check back with XXXX, they said that the funds were somewhere on XXXX  XXXX XXXX and we needed to file a claim with XXXX.whom sent us back to Chase bank since the transaction were originated within. 
we ended up paying double on our lease plus a late fee of {$100.00} a day from the XX/XX/XXXXday of the month to the XX/XX/XXXX day equals {$600.00} totaling {$1800.00} Dls So far it has been 3 months and this issue still haven't been resolved from neither part for them the issue has been resolved!
My identity was stolen as a result of the XXXX data breach of XX/XX/2017. I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with TransUnion. I will not pay any fees associated with this request nor engage in any cumbersome process. If TransUnion wishes to bill someone for the service they should bill XXXX.
On XX/XX/XXXX Hirschberg Acceptance ILLEGALLY submitted a hard inquiry my credit report with malicious intent. I called them On XX/XX/XXXX to request a removal and purpose on the inquiry and they stated there was no reason. They are upset because I won a court case against them in XX/XX/XXXX.
to whom it may concern : I have been in my home for 21 years. I got divorced about 13 years ago and was left to pay my house note..i found out that I was on a adjustable rate about 7 years ago.i have been trying to get on a fix note since then. every company I went through has taken my money ( and its about XXXX different companies ) saying they will get me on a fix rate..Never happen and I in a bad situation now..cause they want my home now!!! I have not paid a house note in 7 years and now they want my house..i have defraud out of my home cause of all these companies and I do n't think its fair to me and my children..its not like I have been sitting around doing nothing..what I want to know is why I cant get a loan modf..or a fix rate. my loan is now with bayview loan services and like all the rest they cant help me either. what is really going on? you work for these companies to help people like myself and yet still nothing is getting done..so I just have to take my lost out of my home and nothing are no one helped me..if anyone can find in there heart to help me please step forward and do so..
XXXX-2017 XXXX XXXX XXXX contacted XXXX and transunion about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted XXXX and transunion in a final attempt to get them removed. I spoke with dell and a rep from transunion who said they would dispute all inquiries instead for an authorized one from capital on made on X/XX/2017.
I inadvertently overpaid my Chase Freedom credit card by {$5000.00} and change. I contact the credit card company, they were going to issue a refund. I called back, and was told no refund had been issue and it was over $ XXXX so they could not. I asked for a supervisor, was told a refund had been issue but they did not know where it was. I asked for an escalation and was told I would receive a phone call in 3 to 7 business days which I never got. I have been trying to deal with them by phone and or secure message, have been told repeatedly I was getting a call never did. Today I did receive a call and a voicemail message, so after over a month they are apparently sending the refund. The way this was handled and the flippant way they said we regret any inconvenience was absolutely disgusting. I lost over a months worth of interest on the money I had to wait for to be return, which I still do not have, they had no regard for the fact that perhaps I needed that money.
This company Southwest Collections SOUTHWEST COLLECTION XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has reported so many claims to the bureaus I owe them anywhere from {$7.00} to {$300.00} and I have had them all removed due to accuracy as they are not mine! I have PPO private insurance and I have never been to their urgent care, but I also never had a co pay or any EOB from my insurance showing I went to this Urgent Care. They keep adding new claims to my credit report every time I get one removed and they are always for a different amount. 
I consider this harassment and they are out right lying. I know I have not ever been there and this new claim is the 5th one in 18 months they have tried to collect form me. Never once did I receive anything in writing or by phone about the debt. The first I ever heard of any of them was when they showed up on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor ) XX/XX/XXXX {$180.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
I applied to my mortgage servicer, Ocwen Loan Servicing LLC, for a loan modification XX/XX/XXXX as was laid off XX/XX/XXXX. Ocwen would not consider this until I was officially behind in my loan payments. After four attempts, the loan was modified XX/XX/XXXX, with a XXXX trial payment due XXXX XXXX. I was told NOT to make any loan payments until the trial period started. This resulted in Ocwen reporting me as 90 days late on my mortgage. This is in addition to the 60-day lates that were mandatory for me to be considered for a modification. Now I am unable to sell the home and purchase a much cheaper XXXX, as the late payments have ruined my XXXX score and made me ineligible for any type of new mortgage. My request is that Ocwen contact all major credit bureaus and remove all of my late payments for the last 12 months. I suspect it was illegal for Ocwen to insist that I let my loan go into arrears to qualify for a loan modification, and now I am trapped in a home I can not afford, even though I have opportunies to sell and pay off Ocwen 100 %.
I was contacted about a debt related to a XXXX account some time ago by ERC. I called them back and spoke with a representative who after taking down my name and address and asking a few other questions determined the debt was not mine because I had never lived at the address that was associated with the debt. He also told me that they were reaching out to every XXXX XXXX and I was the only one that had responded up to that point. He told me that he would disassociate the debt with me. Within the last month, I ran a credit report and saw that this debt collection was on my report so I filed a dispute. XXXX said the debt was associated with me and told me to contact the debt collector. When I contacted ERC, they told me the debt was mine and that the address associated with the debt was my current address. My complaint has XXXX parts. First, the debt is not mine and I would like it removed from my record. Second, I am reporting ERC for requesting my address and then associating it with the debt account after telling me that the debt was not mine. The address which was originally associated when I was first contacted is not the address they now are saying it is. If I had not given them my current address the address on the debt would not show my current address.