WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 an individual contacted USAA by phone to request an expedited debit card be mailed to them because they were out of town. USAA Sent a new card and pin number!!!!!! to an address in another STATE!! that is not listed on my banking profile but states that the request was valid because it was made from a phone number on my profile. On Friday XX/XX/2018 the individual was in possession of the card and new pin and deposited/wire transferred ( not sure which ) into my account XXXX This is when I was first made aware of the situation because I was emailed a notification about the deposit. I didnt know if it was a mistake or if I had just won a prize or XXXX knows so I immediately contacted USAA the same day. I informed the representative that I wasnt expecting any large deposits, so he placed a freeze on my account for 5 business days until they could investigate. I contacted them in 5 days to figure out what was going on only to find out that the same individual called back on or about XX/XX/XXXX to increase the ATM limit from {$600.00} to {$4500.00} ( after the account was placed in a freeze status ). The individual withdrew all of the money in another state leaving me now with a negative balance of XXXX that USAA is claiming I am now responsible for. I am beyond XXXX!!!!! I have been with this company for over 10 years and always spoke so highly of them. This company thrives on doing business for the ARMED FORCES!!!! I AM FLOORED ON HOW THEY COULD BE SO NEGLIGENT TO SEND A CARD WITHOUT ADDITONAL SECURITY PRECAUTIONS!!! I have been XXXX  to XXXX and XXXX and was mobilized at XXXX XXXX  during the XXXX and I was honored to serve every time. Facing enemies foreign and domestic, but this is a different kind of enemy one who sits behind a desk or computer who refuses to do their due diligence in rectifying the situation. The individual who withdrew all the money was identified by ATM video surveillance from the sheriff department in county after I provided them with the information. Information that USAA also had in their possession. However, with the suspect identified, police reports, phone records ( that show I didnt make a call to USAA on XX/XX/XXXX ), and any other supporting documentation that USAA has requested they are still holding me accountable. The reasoning is that I didnt safeguard my information!!!!!!!!! ... My thing is 1. you were notified in a timely manner ( less than two days ) which is part of the depository agreement. You were negligent in providing someone with a new card and pin # by mailing it to an address nowhere listed on my profile. And 3 ) whatever wire transfer/deposit that took place on Friday should take at least 1 business day to clear before someone is allowed to just withdraw that amount of money!!!. I have escalated this situation to the CEO of the company with no avail and I dont know what else to do except arbitration, small claims, or just find away to pay the money so I dont mess up my credit!
On XXXX/XXXX/2017 I was contacted by XXXX XXXX of XXXX XXXX, " a government funded program to help students through loan forgiveness. '' She told me that I might be eligible for 100 % loan forgiveness and that I should complete an application to see. After completing the application she told me that I qualified for {$0.00} payments 240/mo if I accepted this management fee of $ XXXX/mo for 36 months for them to handle the docs and applications. So the hook was saying " would you rather pay -- $ XXXX/mo for 36 months to have $ XXXX/mo payments through the remainder of your 240/mo term -- or pay your current payment of 90/mo for the remainder of your 240/mo term? '' to me it seemed like a no brainer so I went through the process and signed papers to have them handle the refinance.
What I am realizing now is that I could have done this process myself for free by just calling Navient. I am angered and frustrated that a company can target and swindle student loan holders who, like me, are young, hardworking, and just trying to do whats best for themselves and their future. Even if the fine print covers Equitable Acceptance legally which I WILL have a professional to look into ... it is unethical to mislead the consumer into thinking they are taking an option that is n't offered anywhere else, nonetheless for free and is a blind robbery of people who do n't have money to spare in the first place!
This company is charging for a balance that I do n't owe. I have never been to this company and they report a {$66.00} charge on my credit report to all  XXXX  agencies.
Massive security breach from Equifax has leaked all of my personal details. This is an absolute risk to myself and all others who were victims. Their negligence and extremely un-timely alert leaves a huge amount of risk still.
About a year ago I noticed my principle balance on my loan increased. Ocwen loan servicing added roughly 4800.00 dollars to my principal balance. I called them and questioned why. They could not give me a reason why. The next day I noticed they reversed the charge. They reapplied the money back to my account. This made me really suspicious. So I requested statements the statements never had the information showing the mistake or fraud. I called multiple times in most cases I always had to talk to someone else. My account representative was never available. After multiple complaints I was given a new account representative. Even though I set up appointments with her she wouldnt always call me back. She never did give me an explanation why they added this money to my account. After months of trying to figure out why I got burned out and gave up. 
Well today I was looking back at my statements online. Ive noticed once again money being added to the principle balance. 
I havent taken any loans out or refinanced. I missed some payments years ago but Ive paid everything back through my bankruptcy. I dont understand how they can increase the principle balance on my loan. Am I miss interpreting the statements? 

Please help!
I am recently paid off my student loan with Texas Guarantee but my credit report does not show paid in full. It list account is current. There is not a balance I owe so I am not understanding why this has not dropped from my credit report or at least report as closed. Thank you
I have previously reported, XXXX had agreed to remove the inquiries on my report, XXXX has been removed the other remains. The XXXX court record was paid in full, paid medical bills should be be removed. The XXXX account is reporting open, this was closed last year. I never had a loan with XXXX that should be removed
These individuals continue to contact me via email and threatening to contact my employer and I have no idea who they are. Please see below : This Proceeding issued on you Docket No : - XXXX with one of SPEEDY CASH LOAN. The Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you.

Now its high time if you failed to respond in next 12 HOURS we will register this case in  court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX XXXX. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. 

The above invoice for {$780.00} has recently become overdue for payment. As such, we would appreciate you making this payment as soon as possible. 
Settlement Options/Outside Of Court Settlement ( O.O.C.S ) : ( 1 ) Offer in compromise : {$680.00} ( Submit today to close the debt without interests ) ( 2 ) Payment of {$780.00} due has to be paid in full by installments or offer in compromise {$780.00} Today to close the debt. 
NOTE : IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF COURT THEN REPLY OUR SETTLEMENT DEPARTMENT ON : mailto :  XXXX XXXX
Equifax security breach 2017. It was indicated that I was impacted by this breach of Equifax data and my PII was exposed.
Just thought you should know .when they gave me the trial payments. We couldnot do the payment plan because it was not affordable with one income. They say that they donot use my uneployment. When I lost my job i was loosing four XXXX a week.XXXX dollars a month with taxes taken out. When no overtime. When I filed the appeal they told me that they denied the appeal. I have nothing in writing from them stating why.They are still not helping us.
I 'm referencing Case number : XXXX for a previous CFPB case, the reply was n't satisfactory and I disputed it mentioning what I really wanted which is explained from my response " my issue is that I ca n't access the report online, I did n't want to be sent a copy through mail. 
I feel more comfortable viewing my report online and I need to know why I ca n't. 
I appreciate the response but that 's not resolving the root cause, you are just fixing the symptom. 
Do I have to submit a complaint every time I want to view my report, I was even trying to register for your plan to view my report whenever I want, meaning i was willing to pay but because I ca n't access it online I ca n't even start the subscription '' Equifax did n't respond, they closed my case which is still very unfair because they have n't actually sorted out my problem
Carrington Mortgage Services is currently my mortgage provider. I make my payments every month, electronically, directly from my checking account. I 'm always careful to pay my mortgage on time, usually two full weeks early. I refinanced my mortgage with Carrington ( who was already my mortgage provider ) at the end of 2015. My first payment was due XXXX XXXX, which I paid on XXXX XXXX. I made another payment on XXXX XXXX for the due date of XXXX XXXX. This payment was never posted by Carrington Mortgage. I realized their error on XXXX XXXX when I happened to look at my account online, and have had contact with them on several separate occasions to try to rectify this situation. I have submitted proof of payment to them in the form of my bank statement, and my bank has submitted evidence twice in the form of the e-check. Carrington is still refusing to credit my account claiming " If we find it, you 're account will be adjusted. '' I find this completely unacceptable. I have submitted proof of payment. Where their company misplaced it, is really not my concern. As far as I 'm concerned this company has stolen {$2400.00} from me. I feel that I 've taken sufficient action to prove this payment has been made and Carrington has done little to nothing to credit me for this payment. I feel cheated and violated by this company. AND I 'm uncomfortable continuing to make payments to a company that may or may not credit me for the payment!
I co-signed for a loan with my then wife for an auto loan. Fully realizing my involvement should such loan be in jeopardy of default. 
The loan company ( Exeter Finance ) has my personal information, inclusive of my phone number for contact purposes. After our separation, I kept Exerter Finance current with my personal information, ( of which my contact phone number has not changed, ever, even today remains the same. 
The loan was 30 days late twice, but Exerter Finance, failed to contact me so I could exercise my obligation and satisfy the lingering debt. Subsequently they have my credit file notated of a 30 day late payment without any personal notice. 
Ive contacted Exeter Finance to amend my credit report as I was not notified of my obligation either in writing or by phone. 
Exeter Finance representatives upon reviewing the file confirmed that my current phone number was the same as on the initial loan paperwork.
Bathroom was not working and I continue to ask the landlord to fix it. Bathroom was fix, but continue to have problem with this issues. I explain to the landlord that I could n't wait a whole weekend with a the bathroom being fix. Called some in to fix and they told me that they were not going to paying for there services. Left property due to no bathroom.
I have for years been paying back my student loans at over {$500.00} a month. When XXXX XXXX sold my debt to Navient, it became much harder for me to deal with my loans. I have had several issues with Navient and their harassment. Last week I received an email from them notifying me that my monthly loan payments would be going up again as of XXXX XXXX, 2016. Of course there was nowhere online in my account with them that I could find out how much I would be paying -- the email only said I should " make sure the funds are available. '' When I called Navient to find out what that new payment would be, they told me I would be paying, monthly, {$1800.00}. When I told the agent this would be an impossible payment for me to make, and asked her how I am supposed to manage that, she said " I 'm sorry for your inconvenience. '' That happens to be the nicest response I have ever had from them, and still, insufficient. In the past, when I have tried to negotiate a more reasonable rate, they actually argued with me and said " you pay your rent, do n't you? You have money for food? If you have money for those things, you must have money for this. '' How can I get them to agree to a reasonable monthly payment that I can afford without going hungry or risking not being able to pay my rent? This is an obviously impossible payment. I simply do n't have or earn that kind of money. It took me a long time to come to a point where I could manage to make a monthly payment of more than {$500.00} but I simply can not pay more than that ( and frankly, do n't know anyone who could afford more than that ). They are totally inflexible, will not work with me on a payment I can make to them. The only thing they said they could do would be to extend my repayment time and bring the monthly payment down to {$1000.00} per month -- still impossible for me. That 's an entire apartment 's rent! I am concerned because I have been paying consistently and am worried now that I wo n't be able to make these payments and they will begin once more to harass my family. Previously, they called my father a dozen times a day, seven days a week. They then somehow learned about my siblings and, again, somehow, got their employment information and began calling both my brother and my sister on their mobile phones and at their places of employment -- which is completely unacceptable. They could lose their jobs. My mother is very ill, and the stress that comes from dealing with Navient and their harassment is detrimental to her health. They sent my father a letter in the mail saying they were going to come after his house. Is any of this even legal? How can they call my siblings, who have nothing to do with my loans, at their places of employment? This battle I have had with Navient has been a long XXXX and it is just getting harder. I am at a loss for what to do. I want to repay my loans and live in peace, but their making the unadjustable payments impossible for me to make does not help me to do that, and it does n't help them to get the money.
Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. 

Thank you.
I applied for a Chase Sapphire Reserve card and got approved. I noticed after that the card had an annual fee of {$450.00}. Shocked by the annual fee I called Chase customer service immediately after getting approved to ask about options for changing the card to one without an annual fee. The agent that helped me walked me through the different cards and explained the features that they offer. She explained that the freedom card offered cash back and that the Slate card offered no interest on purchases and balance transfers. She also explained that both of those cards have no annual fee. based on my needs I asked her to switch me to the Slate card for the on interest on balance transfers and purchases feature. She agreed and changed me to it. 
Some time later I noticed that I did n't get any of the promotions that the slate card has so I called and asked why, after speaking with several reps over several calls the lady at the EO explained that even though I got the card for balance transfers that I did not qualify for the offer because I did a product change to that card. I explained that I did the product change on the exact same day within mi nutes of getting approved and she said that regardless that I would not get the offer. I explained that the rep explained that the slate had the balance transfer features and that that is why I had picked it. she said that " the rep explained that the Slate card offers those features but that she did not say that ( you ) were getting those features ''. I feel that this is very deceptive as I made it clear that I selected that card for the No Interest and balance transfer features. she said that she would not do anything for me and that it was not the reps responability to disclose that.
I have pulled my credit file and filed a dispute with XXXX XXXX with this Report Created On : XX/XX/XXXX File Number : XXXX : unlike the other Credit reporting Co. I have received some way to track the disputed issues they have in my reports : On the day I called that morning of XX/XX/XXXX and I talked to Trans Union employee XXXX, I will out line once more ( XXXX ) on the end of my name is fuels I will state it once more I am a single child with no children and have never filed a contract with this at the end on my name if they have put in on there it can not be because of my age and if this is so this would be Age Discrimination - EEOC : and other dispute I filed was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX : and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX I have no way to track theses disputes Let it be noted that the Trans Union employee XXXX told me three times on the phone that I would have to Pay them money for me to look at my FICA # and review any thing on my file as I received and Partial copy via internet of my credit report from the XXXX XXXX XXXX it was not a full copy as required by LAW! and a copy my mail was not sent. as of yet. I want clear Access to my Trans Union credit file when a dispute is on going : As of XX/XX/XXXX I have received 5 emails from Trans Union : saying " you can see your file and Trans Union score '' - but is was a marking emails for me to buy Their alleged credit Protection programs and not my disputes on file as of right now I do not know if they have done anything about the disputes I have giving them and requested these dispute be removed from my reports.
I financed a load through BMW Financial services. When I made my first load payment they had me send the payment to XXXX, AZ. I expected this transaction to take several days to complete, after five days the transaction was not complete so I called BMW FS but got no good answers. I called them again after 6 days and was told my payment had to be transferred to XXXX since it was too large of an amount for XXXX to handle. During this transfer and handling time ( about 6 days ) I was being charged {$2.00} a day ( according to BMW FS ). I  complained to BMW FS to no avail. They only said payment over {$10000.00} had to go to XXXX, but that is not documented on there payment document they send out. I do not think I should be charged interest on the amount that is due to their poor money management policy.
Look, these people are harassing me over {$170.00}!!!!!! I AM NOT paying for it!!!!!!! There should be NO DEBTS on my credit at all!!!! Also, I DO NOT need ANYMORE debt collectors contacting me!!!! These people just DO NOT LEARN!!!!! ALSO, THESE PEOPLE NEED TO LOSE MY XXXX SOCIAL SECURITY NUMBER, ADDRESSES,, ANYTHING OR ANYBODY THAT IS ASSOCIATED WITH ME, ETC ... LOOK AT MY XXXX CREDIT BUREAUS TOO. I ALWAYS FIND OUT THAT XXXX, SO THEY NEED TO KNOCK IT OFF!!!!! ALL THESE PPL CARE ABOUT ISTHEIR MONEY AND NOTHING ELSE!!!!!!!!!
I returned XXXX gifts to Bloomingdale 's in XXXX. I showed them all of the receipts and all items had the " required for return to bloomindale 's '' stickers that give them the transaction history, telling how the items were originally purchased. A credit was placed on my bloomingdale 's card, as has been done before when I have returned gifts. When I called to check on my bill, I still had a credit balance and they asked if I wanted a refund check. I said yes. They said it would be 7-10 days. I never received it. I was sent a letter stating that the items were not originally charged on my credit card ( of course not, they were gifts charged on my mother 's card ) and they wanted history of purchase. I had already given them that information. They suggested that I return to Bloomingdales ( a 50 minute drive ) with the receipts again. I told them that was unreasonable, as I had already done that a month before when I returned the items. I provided them the information and they should have record of purchase on my mother 's account. The customer service agent I was speaking to kindly agreed to look up and provide them the information they had requested. I still did not receive a check. I filed a complaint with the XXXX ( Complaint ID # XXXX XXXX over a month ago and Bloomingdale 's has not responded. It does not seem legal that they refuse to pay me my credit balance on the credit card. It has almost been three months since my first request. They have been paid for the merchandise and have been returned the merchandise, but they refuse to pay me the money they owe me. They owe me {$710.00}
Since 2014 my impound account began increasing, sometimes the amount would increase 2 or 3 times a year, which could not be due to taxes or insurance which are annual events. I made a large payment to cover what they claimed was a short fall, but this continues each year- Even though there is a reduction in both my insurance and property tax! Ive made several attempts since that time to speak to someone but their telephone system seems to be anti-customer ; each representative operating anonymously, unable to give their full name, supervisor or department head name, customers are set up to fail when these anonymous reps are enviably unable to answer question. They say they transfer you and process begins again, most time coming to the department you began with.