WillisBack/dataset-financial-user-claim huggingface dataset:
Brand new XXXX XXXX XXXX XXXX XXXX XXXX XXXX As soon as I activate my card I am asked to call customer service because fraud has been detected. 

Called a total of three times and was not transferred to a supervisor. 

I gave them the following the verify but they said they just needed to send a letter with a special code to call with. I asked if they needed to verify my address and they said it was on file so, very ironic considering the situation. 

Verification Items Provided : XXXX card number open for 1.5 years. Couldnt verify. 
XXXX XXXX card number open for 8 years. Couldnt verify. 
Current cell number. Couldnt verify. 
Old cell number ( still active and has been for 15 years ). Couldnt verify. 
Also sent them my most recent XXXX  during the application process with matching address and they still couldnt verify. 

Waiting for the letter to verify now and a possible call from management since I instructed them Id be filing a formal complaint. I will likely just close the card once Im able to verify since it has been such a bad experience.
XXXX sold my loan to Ocwen Loan Services , LLC and ever since they have had my loan I have nothing but issues. I do n't get monthly statements, I ca n't understand my customer service rep., I never get a call back if I leave a message, I have to call back multiple times if I requested documentation, the IRS forgave {$50000.00} off of my mortgage and I found out 3 months later from this company.
THESE XXXX FIRST HACK MY BANK TO COLLECT THE FULL AMOUNT OF A LOAN I WAS MAKING PAYMENTS ON WITHOUT NOTIFYING ME AND NOW THEY CLOSED MY ACCOUNT FOR 60 DAYS BEFORE, SO I APPLIED AGAIN AND THOSE NASTY JEALOUS XXXX STALKING MY ACCOUNT BLOCKED MY ELIGIBILITY FOR NO REASON AGAIN.
ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
In XX/XX/2016 I made a payment on my auto loan on the XXXX date past the due date for my auto loan. I have talked to the bank multiple times to have the late payment removed from my credit report and my request was refused. Payments for the auto loan have been made on time all the time and there never has been a missed payment.
On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all three credit agencies and sent out a debt validation letter to XXXX XXXX. One week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.
I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from One Main Financial. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.
I became XXXX on XX/XX/XXXX, and lost my job due to said XXXX in XX/XX/XXXX. I contacted Navient about my private student loan ( or Signature Student Loan, as it is referred to on my account ). They told me I have no more forbearance and it would go to collections. They will offer me no lower payment. Since that time, I have been receiving 8 collection calls/day. When I called Navient, they said that they know how many times a day they can call, and that number is 8. They said they have their own internal collections. They do call between the specified times, but eight times per day. They said they are not harassing me, but trying to collect on a debt. Although I have been paying on this debt since XX/XX/XXXX, the principal alone is above the principal amount of the original loan. The original principal amount was {$29000.00}, and the payoff amount today is {$29000.00}. This has caused me to look at the history of my payments. I see that I was charged a {$920.00} " repayment fee '' at the inception of the loan. I have no idea what that is, or if it is legit. Additionally, I do n't see a total of how much I have actually paid already on the payment history. It sure seems like they would end up receiving a lot more than the principal amount than a person should have to pay. Especially for a student loan. <P/>They said they will send me paperwork to complete, and if they find that I am permanently XXXX, the loan can be forgiven. The calls will stop for seven days. I asked once before for them to stop calling me because I am XXXX and have no job, and they told me I have to request that every 7 days, or the calls will continue.
XXXX XXXX I paid my CITI Bank credit card account in full, as I do every month. I signed up for paperless statements at that time. I did not charge anything on my CITI card until XXXX XXXX for {$36.00}. In early XXXX XXXX I received a phone call from CITI stating my account was over due. I had not received any notification that I had a balance due and they had charged me {$62.00} in late fees. Although I had been receiving email about my CITI Rewards account I had NOT received any regarding my CITI credit account. I spoke with 3 different people at CITI regarding a reversal of the late fees since I was not notified of a balance due per our agreement ( paperless statements ). XXXX the CITI manager stated her records showed that CITI sent me emails, BUT in XXXX they were returned as undeliverable so they would only reverse XXXX late charge. I never received ANY emails from CITI regarding my credit card account since I enrolled in paperless statements. I do n't believe CITI when they say, they were going to you and now they are n't but we sent them!! Now you owe CITI money. This is extortion. I feel it was CITI 's error in not sending me a bill and then charging late fees when the bill is not paid.
I have disputed this issues many times before but yet no action has been taken. The credit agencies are still reporting the following on my credit report as verified. However, when one has been victimized it seems as if the victimazation never stops because instead of the credit agencies correcting the wrong doing they continue to let it go. I'm respectfully requesting that the reporting agencies send me physical documentation as promised in the FCRA literature, or block/ delete and/or remove the following accounts from my credit report.. ( 1 ) XXXX - XX/XX/XXXX , ( 2 ) XXXX XXXX XXXX - XX/XX/XXXX, ( 3 )  Americllct - XX/XX/XXXX , ( 4 ) XXXX XXXX XXXX- XX/XX/XXXX , and the following two accounts ( 1. )  XXXX, and XXXX XXXX
Let 's refer to complaint XXXX.Wells Fargo responding to a firm we hired to aid in the loan mod process stonewalled that firm for a long period of time.A complaint was filed XX/XX/XXXX move the process along WF response , ask for 60 days.On XX/XX/XXXX they moved for summary judgement.On XX/XX/XXXX they notified our firm l/m had been granted, and confirmed that onXX/XX/XXXX,4 days before having the court grant it.They again confirmed the L/M XX/XX/XXXX.IS THIS NOT CLASSIC WRONGDOING AND DUAL TRACKING!?
I was targeted for and completed the requirements for a checking account/debit card. The requirements were completed in early XXXX. I confirmed I had met the requirements via online chat and was told I would receive the bonus XXXX XXXX points by the end of XXXX. During the first week of XXXX I contacted Citibank via online chat to ask about my missing points. An investigation was opened and I was refused the points saying that there was no such promotion when I opened the account. A second investigation has been opened and my points are 'pending ' and should be in my account in 60 days. It is ridiculous that should have to wait XXXX months to receive a bonus and jump through multiple hoops to get a promotion that I was offered. I will be very wary of dealing with Citibank in the future.
I have paid what was told to me as an outstanding balance unpaid in addition to make payments arrangements which are currently being taken out of my bank account only to have Navient continue to harass me and my references. I am also still in school and did n't understand why I was already having to pay them back. I did n't get an explanation on as to why, I just kept getting threatening letters and non stop phone calls. It is my understanding that if I 'm still in school I can have my payments deferred, I found that out by looking into my rights. I still have yet to have someone explain it to me and continue to get threating letters saying if I default on my loans they will take all my tax return and I owe the full amount. I would like someone to assist me who can make some sense of this for me. I feel I get no where when I speak to a Navient representative.
I pulled my credit reports from all 3 credit bureaus in XXXX and have 2 collection accounts from Choice Recovery Inc on all of my reports. I sent them a debt validation letter on XX/XX/2018 via certified mail to request original methods to verify and validate that this account is mine. I disputed the accounts with all 3 credit bureaus. One credit bureau removed one account, but Choice Recovery has failed to mail me any documentation to validate that this is a debt for me or what has been provided to the credit bureaus to verify that this debt is for me.
I applied for a XXXX $ student loan to pay for my first year of college because I had applied too late to qualify for fafsa. My grandmother co-signed for me and all was ok. I was in school for 3 years and it was n't working out for me, I had family issues and could n't find what I wanted to do with my career. So I dropped out and just was working. By the time I had to pay on my loan it was up to XXXX . As far as I knew if I was in school interest did not accrue. I also was working a XXXX job part time and could barely pay living expenses. I called to try working anything out and I got rude comments and asked me why my cosigner could n't pay. My grandmother was put in a XXXX in XXXX and passed away in XXXX. I keep getting calls and I have told them many many times that she has passed away and they make a note but always ask me if my cosigner can do anything. No she ca n't because she has passed away. That really hurts when I keep having to explain it everytime. Now I have XXXX kids and I want to try going back to school to become and XXXX but I just ca n't handle any more student loans. I took a XXXX course through a XXXX college that michigan works help pay for and have been in the XXXX field for 4 years and love it. Just wish I could get over this hump so that I could finish school and do what I was meant to do. It really is XXXX harmful when they bring up questions about my grandmother when I have told them countless times why she can not help me.
I am extremely upset! Bank of America is Charging me XXXX overdrafts fees in the amount of {$35.00} each. I get direct deposit, and the money comes in regardless a. They continue to still charge my account with extended overdraft fees, and it 's a lot of money for someone who does n't have {$250.00} to throw away in overdraft fees. I 've been told about Bank of America doing this to their customers, and I should have listened. Now I am the victim of it, and it horrible. XXXX item goes through, and your being charged so many fees! What a joke of a bank this is. I ca n't wait to close this account. WARNING!! Do not open an account with Bank Of America. This should be called the Bank of Fees for Americans!!!
I have a current mortgage with Chase. I have been trying to work within the Chase organization to resolve the multiple issues of their Escrow practices. I have reached out to all departments for over XXXX years with absolutely no assistance whatsoever. I have accumulated documentation that needs to be seen. 

Since the re modification of my loan on XX/XX/XXXX, I have had forced insurance in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and partial of XX/XX/XXXX. I have had increased mortgage payments annually since XX/XX/XXXX to date. The reasoning has always been an Escrow shortage. I have exhausted all attempts to rectify the situation with Chase. 

I have a XXXX pages of internal documents, that need to be shared. Chases accounting practices and Escrow analysis are completely fabricated. I am not the type of person who normally reaches out, but in this case Chase has left me absolutely no choice. If you would like to view the documents and their accounting sheets they have sent me please contact me and I will send them to you, with in depth information about the situation. My hope is that someone of your stature with assist with actions needed to be taken. Thank you for your time.
My ex-husband forged my signature, deposited a check from the XXXX with XXXX our names on it ( after changing the mailing address with the XXXX to his own personal apartment where I have never resided ) and he cashed and deposited our joint check at Navy Federal Credit Union without my knowledge or consent. I was not present when this check was forged and deposited, I did not sign this check, nor did my ex-husband have my ID or permission to do this - Navy Federal to the best of my knowledge did nothing to prevent this from occurring. I have called and visited Navy Federal Credit Union and spoken with numerous representatives there and no one can confirm what their policy and protocol is to prevent such things - XXXX representative at the XXXX branch of NFCU said their policy is to have XXXX named individuals on the check present when the check is cashed and/or the person depositing the check has to have the other person 's ID with them if the other person is not present - neither of these things occurred when my ex-husband forged my name, cashed and stole this money from me at Navy Federal Credit Union. I called and spoke with a representative at NFCU 's Fraud Department and another in their Security Divisions, and they said this is not their policy ; there is a real lack of consistency within Navy Federal to even define what their policy is and how they prevent such things ; I do n't think they know as evidenced by how they have handled this situation. There is a significant lack of care, compassion, security and dedication on Navy Federal Credit Union 's behalf to 1. prevent 2. correct such actions from occurring. What my ex-husband did was a crime and Navy Federal Credit Union did nothing to stop him and facilitated him more or less in doing it by not having stricter enforcement ( or perhaps even any policy to begin with ) that prevents such things from occurring.
XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. 

Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something XXXX XXXX
In approximately XX/XX/2017, the last of many regular/on time payments to my Best Buy credit card resulted in a credit of {$41.00} and change. ( all payments were more than the minimum to reduce the interest ). 
Consequently I received in the mail a refund for the {$41.00} & change, which I deposited to my checking acct. What I did not know, was that Best Buy also mistakenly electronically deposited the same amount to my checking acct. ( considering how unscrupulous Best Buy is handling this situation, one has at least consider the possibility their actions are intentional to extract a Black mail payoff ) After several threatening Robo calls, I called Best Buy to inquire how I could be charged late fees and interest on an account that was paid in full, and resulted in Best Buy issuing a refund check. Even the Best Buy people I spoke with didn't know why, until their investigation revealed their mistake. ( Because I had already seen a physical check, I never thought to be watching my checking acct. for another ( erroneous ) deposit. ) As soon as I learned of their mistake I returned the {$41.00} & change. 
Despite Best Buy acknowledging their mistake, they insist on charging late fees and interest for the {$41.00} & change for the 2 months that NO ONE knew of their mistake. They continued to increase their penalties up to a total of {$430.00}! 
After I disputed these dishonest penalties they charged off {$310.00} and continue to report that amount as Past Due. 
My next step will be to sue Best Buy!
I have been overseas and noticed a charge that I do n't recognise on my BoA Credit Card and I have not used the cards in over 6 months. 


It is from XXXX XXXX and the amount is {$1600.00} and I have attached a statement for your reference. 

I have called the XXXX XXXX XXXX XXXX and no one has bothered to help me.
I bought a food processor with my XXXX American Express card in XX/XX/2015. I immediately paid the amount off and have made no further purchases. However they have put this item on a credit plan instalment and are charging interest each month. I rang and said this was ridiculous and I want to cancel my card which I was told was done. Then I get a statement saying I owe money for the interest payments. I rang them and said I have cancelled this card and never agreed to this payment plan and the item was paid off 2 years ago but was told this time I owed money ( although the top of the page says I am in credit ). I said fine send an account for this outstanding amount. Instead they have sent another statement with again interest being owed on an item paid for 2 years ago on a credit plan I never agreed to. I am wondering how long I am going to be charged for nothing?
Experian is n't reporting my XXXX XXXX card. XXXX XXXX says they reported to all XXXX bureaus but experian still has n't put it on my credit report.
Capital one credit card manager did not honour my charge back rights and supported criminal unauthorised charges helping out merchant thieves twice, so taking my money from my account and not providing me the resolution as legally required. I called about 10 times with up to 1 hour waiting and explaining, also sent 5 emails and still got ignored and disrespected away from my legal rights.

These were the two unauthorised and rebilled charges and attempted theft : XX/XX/XXXX PURCHASE ADJUSTMENT AirfareXXXX XXXX ... XXXX {$66.00} XXXX Posted : Mon, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX XX/XX/XXXX TRANSACTION REBILL AirfareXXXX XXXX ... XXXX {$66.00} XXXX , XXXX XXXX Purchased : Wed, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX XXXX XXXX  {$66.00} XXXX XXXX PURCHASE ADJUSTMENT Car RentalXXXX XXXX ... XXXX {$81.00} XXXX Posted : Thu, XXXX XXXX, XXXX Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX XX/XX/XXXX TRANSACTION REBILL Car RentalXXXX XXXX ... XXXX {$81.00} XXXX XXXX XXXX, XXXX XXXX   Purchased : Sat, XXXX XXXX, XXXX  Posted : Thu, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX XXXX XXXX XXXX XXXX
The credit agency has dropped my score over 140 points ( how do you calculate how much you are going to drop someone's score? ) over what they assumed was a open account with a delinquent payment. My student loans were in forbearence and the forberence expired but within the week the forbearence was renewed and I no longer had any missed payments. Please see the paperwork attached approving my forbearence. 

I also see they have not updated my credit card amount, as I've made payments as well. This is an awful thing credit companies do to people 's reports and I don't have anything but 2 things on my report, neither being delinquent or in debt collection, I have no idea why I would have a 400-580 below credit card. Please explain and fix this.
Equifax continues to report inquiries not authorized by me and refuses to properly investigate with the sources as required by federal law.