WillisBack/dataset-financial-user-claim huggingface dataset:
I got a call from Navient on XX/XX/2016 saying I qualify for loan consolidation. He told me that they would consolidate all of my federal loans into one or two trade lines. After 3 months in forbearance, they only consolidated ( 7 ) of my federal loans in the amount of {$19000.00}. In XXXX of 2016, Navient made ( 3 ) disbursements and ( 2 ) adjustments in the amount of {$21000.00}. This is {$2600.00} more than what they paid for my ( 7 ) federal loans in question. In addition, I had to pay a one time fee of {$790.00} to have Navient consolidate my loans. The Navient representative 's name was XXXX and his number was XXXX. He told me that the whole point in consolidating my loans would be to reduce the amount of trade lines from my federal loans as well as lower my interest rate. The current interest rate on my loans with Navient is 4 %. ( 4 ) of the ( 7 ) federal loans that Navient paid off had interest rates lower than 4 %. I was absolutely misled into believing that consolidating my loans with Navient would save me money in the long run. This is not the case at all. Not only did my loan amount increase {$3700.00}, but i paid a one time fee of {$790.00} and my interest rate went up for ( 4 ) of the ( 7 ) loans. Navient consolidated 7 trade lines into 2 ( Subsidized and Unsubsidized ). They took advantage of me right out of college by telling me i was qualified for the XXXX student loan forgiveness Act. None of the things that occurred above had anything to do with this Act. Instead, my loan is now bigger with a higher interest rate. I recently got word of a lawsuit against Navient which made me take a deep dive into what occurred back in XXXX of 2016. I now see that i was misled and taken advantage of.
I Want For Chase To Remove any Fraud Checking Accounts That Where Open With My Social Security And To Allow Me To Open a New Account In The Future. if there any Money that has to Be Paid Back Am Willing To Make Payment To Those Accounts if Chase Allow Me This Chance is Still Showing My XXXX XXXX Reports Showing On My Consumer Report I Want them to remove this account from My Consumer Report i Never Open Any Accounts from Chase So Please Remove this Fraud account I Never Open From Chase and I Never gave Chase Permission to Open this account please fix this problem..
I am desputing a debt that was put in my name, that should be in my father 's name. I am XXXX XXXX XXXX my dad is XXXX XXXX XXXX. I am including my fathers birth certificate. I am not liable for this debt, it is not the first time they put fraudulent debt on my my credit that belongs to my dad. I was still in high school, I was not working to pay for the XXXX XXXX bill that was my dad 's responsibility. This was previously removed and has been added again when it should never have been there in the first place. Please remove the following debt listed below from my credit report. My email is, XXXXXXXXXXXX. You can respond to this email address. Thank You for your understanding. 

Sincerely, XXXX XXXX IC Systems XXXX XXXX XXXX, 2016. This is for a XXXX XXXX bill of XXXX, that my father 's owe. This is debt was removed and added again, when it never should of been on my report, Please have it removed again.
I owned a " XXXX '' corporation and had both my personal and corporate accounts at Wells Fargo. I have closed and dissolved the corporation. I had a XXXX XXXX subscription for the corporation. That subscription was stopped last year. Since then, despite repeated requests Wells Fargo has been charging my PERSONAL ACCOUNT, an account that was never authorized for XXXX XXXX a {$14.00} fee every month for software access.
A guy named XXXX called me numerous times and from different numbers which XXXX of them was a local number when the company he says he works for us Evergreen Acquistions. He was very unprofessional and threatened to call my XXXX sheriffs office each time he spoke with me. And the last time he called me from a local number he yelled at me and said he was calling the sheriff and then hung up. I did without thinking and because he scared me at first I gave him XXXX of my debit card numbers. I ca n't tell if it is a scam or what only because of the threatening nature and unprofessionalism. Please help me find out if this is a scammer. Thanks. The address they are supposedly located at is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX. Email address egacq.com
Two charges were placed on my bill on the same date ( XX/XX/2017 ) for the same amount ( {$100.00} ) from two different companies in Florida -- ( XXXX & XXXX ). Yes, I was in Florida on XX/XX/2017. But I did n't even carry that particular card with me. And I am the sole user on that card. My husband carried all the joint cards with him. I reported this to my local XXXX XXXX Bank on XX/XX/2017, the same day I discovered the information online ( no paper report had come to me yet ).
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. *see attachment* Document password - XXXX
I was recently called by Santander after they had called a family member, and discussed my debt to her. The mediator for Santander stated that he would find me, and I had a debt from over eight years ago that they would try and collect. They said my account was started back in XX/XX/XXXX, and XX/XX/XXXX. I have not paid anything to them, which would restart my account. I told them the debt is eight years old, he fought with me about the money owed, and I would be sued for the balance and lawyer fees.

I did notice that Santander did check my credit report twice, which I do have screen shots of the dates, and has watched my account. The mediator stated they would serve me papers of a lawsuit against me if I didn't pay, and that I was becoming angry with him. I did not yell, become mean, or say anything negative towards him.

The mediator did raise his voice, stating again, " I thought you would work with us, I will just look you up, and send papers to you for court. I tried to make this offer to you, but we will just serve you ''. I said, " That is fine, I did not become angry with you, I simply stated facts, and I will deal with this once you serve me ''.

This is a debt from XX/XX/XXXX. Yes, I wish I didn't have to go into debt, but life happens. You lose jobs, family dies, and you are forced to move. This has made my days since then stressful, and I am constantly thinking about the rude man I talked to. I have researched the statue of limitations for this, which are six years, and seen that this was the website to seek protection against collection agencies that have no grounds from there penny on the dollar debt buys. Below are four files, two talking with legal aid, and the other two from my credit report showing Santander monitoring me for years ( XX/XX/XXXX, XX/XX/XXXX ). Hard inquiry into my credit report.
For the last 60 calendar days, Discover Bank has held my money hostage by blocking my phone number. This has prevented me from closing my account since Wire Transfers require voice verification by their policy. 

The reason for my number being blocked is a malicious and vindictive response from Discover Bank executives due to my filing of a complaint with the XXXX XXXX XXXX for their customer service management team. 

I alerted the XXXX CFPB, and CFPB Ombudsman and none of them addressed the concern. The CFPB Ombudsman never even answered the phone since his service always goes to voice message. 

I am alerting you of this issue and I need immediate resolution so I may begin to transition my active accounts out of Discover Bank 's system this month and ensure no impact on my credit score, accounts payable, and accounts receivable ... since it is the malicious intent of Discover Bank executive office to harm all of these. Again, I alerted the XXXX, CFPB, and CFPB Ombudsman of all of these concerns and they allowed Discover Bank to issue canned responses with NO reference to the clearly stated complaint. 

I need you to interfere and instruct Discover Bank to allow me to transition my funds out by wire transfers within the next 2 months to ensure no impact on my credit score,  accounts payable, and accounts receivable. I have no way to contact Discover Bank by phone which is the only way to wire transfer my funds.
XX/XX/XXXX I found accounts that were in collections and inquiries on my report that I did not authorize, had no knowledge of and did not belong to me. I contacted the FTC filled out an Identity theft affidavit and filed a police report. I placed a freeze with each credit bureau and started contacting the fraud department of each creditor. I sent my police report, letter from the police department, proof of identity, FTC affidavit to each creditor and the credit bureaus. XX/XX/XXXX all items were sent again to each credit bureau for all items and inquiries that I was still disputing. Equifax is refusing to remove information from a Creditor XXXX and inquiries stating because it is being validated as mine by the collection agency and the creditors, However when the collection agency XXXX was contacted they stated that they never received anything except the police report from the credit reporting agency. Equfax is allowing a creditor to validate a debt based off of information that was stolen from me, name, dob, ss and previous address that was in my wallet when stolen and information that they are sending to them like my current address.
I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The Chase card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.
on XX/XX/XXXX received a stipend check from the University I attend in the form of a Pell Grant. I brought it to Wells Fargo branch in XXXX XXXX Florida. My original intention was to cash the check however they wanted to hold it for 2 to 3 days and not allow me access to any of the funds until it was processed. I told the bank teller not to process the check and to give me the check back so I could bring it somewhere else. The bank teller showed me the computer screen that it said stop payment on my check and he gave me back the check. After I had went to another place to cash it I brought back the cash to Wells Fargo and deposited cash into my checking account. Now on XX/XX/XXXX I checked my bank account and I was negative - {$540.00} in my checking account. The bank said because of the teller error I was now responsible for the - $ XXXXand even though they realize they made an error at the bank and process the check without my consent I am still responsible for the money. They took all of my money out of my bank account and left me with {$0.00} in my savings account. I need some type of resolution hear the bank at Wells Fargo offered me no help. I should not be held responsible for a bank error and especially when I made it very clear not to process the check and Wells Fargo did it anyway. I understand that they added additional funds to my account and those funds were used however I had a substantial amount of money in my account at that time, I was not looking at my account every day to see how much I had. If those funds were never put into my account like I wanted and made very clear that I did not want it to be processed through Wells Fargo then I wouldn't be in this predicament. Wells Fargo is taking zero responsibility for the error they made. I have very little money as it is and for me to pay back something over {$500.00} is very serious for me. I've been a customer of Wells Fargo since XXXX and I've never done anything wrong with my account or had my account Falls so low into the negatives. I think that should at least be taken into consideration also. Now that they took all of my money I am at risk of being homeless because I can't pay my rent. They left me flat broke because of an error they made. I need some type of resolution. I was given a case number from Wells Fargo if that helps at all. It is XXXX
Had a title loan, paid off the interest and trying to pay on the principle as agreed. After the first payment on the principle, they decided to change the rules and make me pa the principle off in whole- liars!!! Can not get in touch with anyone at this point nd they said the car is in repossession mode-
I received an email as an alert from Wells Fargo with the following text : - " We have updated your contact information Home/Permanent Address '' The problem is that I closed my Wells Fargo account more than 2 years ago, which included checking and savings account. I also stopped using the credit card and my account was closed by wells fargo. I have n't used any Wells fargo services or their credit card in the past 2 years. 

I contacted Wells Fargo and they had my latest address on file. I have no idea how they updated it. They asked me to disregard this message. 

How was Wells Fargo able to update my personal information without my authorization?
Re : AFINI.INC Dear AFINI.INC, I have never recieved any written correspondance from this company. AFINI.INC added a collection to my credit reports with XXXX, XXXX, and XXXX that resulted from crime ( s ) that have taken place. This is invalid. I did not recieve any services or goods from the original creditor. However, I am still held resposnsible for this debt. You are hereby in violation of THE FAIR DEBT COLLECTION PRATICES ACT by adding a collection to my credit reports without my knowledge. You're also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccuarte information to credit reporting agencies. You were notified by the above mentioned credit reporting agencies not only were you frowarded copies of an FTC Identity-Theft Report as well as an Identity-Theft Affidavit. Still you fail to comply with laws enacted by Congress for victims of identity-theft. I am a victim of identity-theft and request that this debt be removed from my credit report. Failure to comply shall lead to legal actions. I will seek punitive damages for defamation of character for my name being assocaited with debts I do not owe as well as your neglilence to adhere to FAIR CREDIT REPORTING ACT. Thank you.
Chase cancelled my automatic payment on XXXX XXXX, 2017 which resulted in a missed payment in XXXX. I discovered their error on XXXX XXXX when looking at a statement and wasted over an hour of phone calls with them to resolve the problem. They provided conflicting information about what happened, and then hung up on mu when I asked for my call to be escalated tot a manager. I was financially harmed by their error to the amount of about {$75.00} in a late charge, and also lost several hours of my time dealing with poorly trained and incompetent members of their servicing team. 

During my call with Chase, I was told that they had 2 different user ids and passwords for me to access my account online. This sounds like a security issue and a problem with their systems which should be examined very closely.
In XXXX I needed money to help getting to a job interview in XXXX, XXXX from XXXX XXXX. I had received a flyer in the mail from Big Picture Loans a couple weeks earlier. I took out a {$600.00} loan with a fee of {$210.00} for a total of {$810.00}. I have made {$630.00} in payments thinking that I only had one payment of {$210.00} left. I called today to see what my balance was and found out that it is still {$810.00}. I was never told that I would be paying {$210.00} in interest each month. I was led to believe that my payments were going to pay off the loan in 4 months. WHAT A SCAM
This is a follow up to complaint IDs XXXX and XXXX. 

No sooner than I completed filling out this complaint, the company called me back on XX/XX/18 at XXXX and left another message saying I am about to be served with papers. I called them and told them of their error ( please see previous complaints ) but they told me that I am the right person and the numbers will not be removed. I begged the woman to look at the account because the last person I spoke with said there were notes on the account stating that my number was removed, the phone number for my mother ( who is a XXXX patient ) was also removed, and the ssn was wrong. She said the social is right, it's my account, and refused to look at the notes and hung up on me. 

This company states they will continue to call me and all numbers for skiptracing of me. Even though they don't have to " look '' for me because I am actively trying to work with them to straighten this out.
I purchases a sectional sofa from rooms to go XXXX 2016 using a {$5300.00} line of credit issued by XXXX and Synchrony Bank. I was enticed by the no interest payments. The sofa was delivered with defects and then returned. I purchased another sofa and loveseat that was also delivered defective. That set was exchanged for an identical sofa and loveseat, defects and all. After the the third and final return, I chose not to purchase another set. I began receiving past due credit notices and even a fraud alert for being over 30 days past due. I had been assured by the store manager in XXXX GA that no charges would accrue. Then I went to the XXXX outlet and purchased a sofa. However, I learned my credit was frozen due to outstanding charges of {$360.00} from the original purchases on my credit card. After speaking to customer service and the store on multiple occasions, I have still, three months later, not been refunded the proper amount and I continue receiving several phone calls a day for payment. There have not been any other charges on my bill other than the defective purchases. I need this remedied so I am not reported as delinquent and no longer harassed for money that is not mine to pay. Please help!
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address via the XXXX Online Chat. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated with XXXX XXXX XXXX - XXXX XXXX XXXX XXXX and directly with XXXX XXXX XXXX XXXX - XXXX XXXX XXXX denied and completed my fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to review and remove the account from my credit report.
I feel like I was discriminated by TD bank in XXXX XXXX NJ on XXXX. First of all I was told that I will pay no servicing fee for holding my account at TD bank as long as I hold a minimum of {$100.00} balance. I contacted TD bank and told them that it 's not fair that I have been paying approximately {$15.00} per month when in fact I had the minimum balance required. They told me they could only refund one month of servicing fees and that it is my problem, and they do n't have to pay me back. They also told me that I will not have to pay any servicing fees for my saving account which I have been paying about {$4.00} per month for a couple of years. I applied for a personal loan at TD bank a couple of weeks ago and I feel I was discriminated by the bank due to my national origin which is XXXX and due to my XXXX faith. I have a heavy XXXX accent, and I felt like I was mistreated. I was declined for a unsecured personal loan for the amount of {$10000.00}. However I contacted XXXX personal loan a couple of weeks later and I was approved for a {$10000.00} unsecured personal loan. 
I know that the bank has taken advantage of my situation by not crediting any of the fees and declining a loan that I should have been approved for because other lender would probably approve the loan.
Wells Fargo Dealer Services amount is {$2500.00}. This account is being reported to all 3 credit reporting agency and this account does not belong to me
XX/XX/2016 I inadvertently had my online bill pay system with XXXX XXXX make two mortgage payments. As soon as I discovered the mistake on my part I contacted my bank about it. They immediately contacted your company and got nothing but being put off and frustrated by incompetent employees without a clue of what they were doing. 

It is not three and a half months since we have requested the return of the overpayment and to date your company has absolutely refused to do the right thing. 

We have been told more than once that a manger had approved the return of the duplicte payment and yet your company has steadfastly refused to mail a check to me. Why is that? 

I respectfully demand an immediate return of the duplicated payment. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # # XXXX
Well, this collections company sent me a letter in the mail recently stating that I owe a debt in the amount of {$2200.00}. However, it is passed the statue of limitation because the debt was all the way from 2002.