WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of identity theft since 2014, my social security has been misused on several occasions which has been disputed for quite some time now, about 2 years, I filled a police report with City of XXXX XXXX and also I am employed with XXXX whom also issued a condolence letter offering support and free credit monitoring with all clear due to a breach with several employers social security number being misused, I have been a victim of fraud for several years and yet the disputed items that I have been disputing for several years which I refuse to pay because they are not my accounts remain on my report, I would like a response on this matter which has been affecting my credit report and score, I have just found out about this information which I am filing a report for immediate response, there are also several inquiries that have been disputed that does not belong to me and I never gave authorization to run my credit, this has affected my life tremendously and an investigation should be open immediately on this matter. If additional information is needed or proof of reports from the police department and homeland security please advise.. sincerely XXXX XXXX XXXX , supported documents uploaded
On XX/XX/XXXX I request a investigation of unauthorized transaction to Discover Bank for the amount of {$810.00}. I sent to them prove documentation over fax three days later that they request by mail letter. they promise to investigate and refund my money. Today XX/XX/XXXX I return a phone call to know the latest for my case. Now they change the history they ca n't do anything.I have in my power all the papers and fax confirmation that I sent to them.
When a borrower pays the monthly loan amount in excess of the minimum payment requirement, Sallie Mae " holds '' the excess money and applies it to the following month 's minimum monthly payment ( which reduces the amount owed for the next month ), as opposed to applying excess funds to the priniciple balance of the loan as the website states. In order for Sallie Mae to apply overages to the principle balance, one must be enrolled in automatic debit. However, this is not conspicuously explained on the website, nor does the payment allocation example provided mention this requirement. I have been paying a little more than the minimum monthly payment under the assumption that the excess would be applied to the remaining principle balance of the loan, hoping that my little overpayments will decrease the balance of the loan slowly but surely. To date, I 've re-paid over {$5000.00} on a {$15000.00} loan, yet have a remaining balance of almost {$17000.00}. This payment allocation system deceptively allows for only accrued interest to be paid on the loan, keeping the principle balance high and untouched, which allows for more interest to be added onto the loan balance. This is unfair, egregious, and unconscionable.
Chase wrote down a student loan I had with them in XX/XX/2012. They eliminated their student loan unit. They sent me paperwork saying I would now have to pay taxes on the right-off. However, they have since not corrected my credit reports and continue to add statements such as transfered to recovery unit. There is no one to talk to at Chase bc the unit no longer exists. The credit bureaus won't change the info despite challenging myself and with help of XXXX XXXX XXXX. I need help. Thanks!
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
For years Toyota finance has reported a late payment on my former account that never occurred. I have attempted to address it directly with them and through the credit bureaus, but the matter has not been resolved.
My uncle had a little house is XXXX Washington. The lenders kept sucking him into cash out refinance and continued to attempt to do it even after being told he had XXXX. I am a real estate broker and quickly ran comps. He was upside down during the time they were still trying to cash out refinance. The house was worth about XXXX and he owed XXXX. I cleaned up the house so he could go home to live his final days and I cleaned it out more upon his death. I live in Alaska and this involved several trips and time away from my business to do so. The bank then tried to get a default judgment on me even though I was never living in the home, never a signer on his bank account, and never on his mortgage and I lived over XXXX miles away! I had to spend thousands of dollars defending myself from this legal action. My husband and I were in the process of building a home a home here, and this would have messed up our financing! Despite a court order dismissing me from the case, the bank continues to try and collect from me. My uncle passed on XX/XX/XXXX and I 'm filing this complaint on XX/XX/XXXX. XXXX XXXX XXXX XXXX is a predatory lender on XXXX veterans, and Bayview Loan Servicing is unscrupulous company that is violating the debt collection laws. Also, note that I left the house cleaner than any repo I 've handled in my 17 years in the real estate industry. 

Please note : I put my personal information on this form. My uncle was the retired veteran.
I am on a reduced interest/monthly payment however due to ME making payments on XXXX and my parents parent + loan, I have been unable to make any substantial payments on this account, I pay $ XXXX when I can but I can not overdraft my account any more without not having any food or having my car taken away. Great Lakes continues to post negative marks on my credit report, there is no way for me to get any kind of extension or forbearance or anything based on my conversations with the Great Lakes reps - they are also calling my parents ( who are cosigners but living in poverty with health concerns ) every single day asking for payment.
Citizens Bank - Line of credit {$1500.00} acct was sent to collections this debt isn't mine it belongs to XXXX XXXX and I have disputed this before yet it is still on my report
After some twenty or more disputes, and Experian responding that the information was verified through their third party vendor, but in all disputes refusing to provide the name of said vendor, regardless of request. In such an independent investigation by a law firm in XXXX VA was conducted, and the problematic issue discovered after years of disputes. 


Experian maintains two separate files on likewise named individuals, they maintain a file on XXXX XXXX XXXX, with social security number XXXX, and a file on XXXX XXXX, XXXX, the name XXXX XXXX maintains an address of XXXX XXXX XXXX, XXXX, SC XXXX, and has indeed filed two separate bankruptcy actions under XXXX. The name of XXXX XXXX which is the consumer of which this complaint applies hasn't filed any such bankruptcy action, but because the third party agent, or entity only verifies the last four, the continual reporting of this account on my report continues. 


In response because actually third party agents or entities are required to perform more, the consumer reached out to Pacers, and XXXX, or which neither had any public record for XXXX XXXX, but indeed had public record for XXXX XXXX, in furtherance neither with a degree required by law could verify or cause such verification of which one that exist on any report, only that the name associated with the social security assigned number of XXXX, assigned to XXXX XXXX didn't have any such public records of bankruptcies.
I received a call from my mortgage company, asking me to return the call. When I did, they refused to tell me what the call was regarding until I confirmed some information. They were calling on XXXX XXXX, saying that my mortgage was late. We have just refinanced our mortgage, and this represents the first payment due, on XXXX XXXX. The individual on the phone told me that I was not technically late, as I have a 60-day grace period since it is a new mortgage, but that the collection calls would not stop until the payment was received. My husband and I have never been late with a mortgage payment, and I told her this and said I needed to call my husband to check on the status. At this, she continued to push me about when they payment would be received ( it had already been paid electronically ), in what form, etc. I found this call to be inappropriate, and since I did not owe an outstanding debt, it was even more egregious.
I 've contacted  XXXX  regarding an upgrade on my cellular phone. I asked if I am to upgrade will it be a soft pull or hard pull. I mentioned if it is a hard pull I do not want them to pull my credit the woman insisted it would be a soft pull and will not show up on my credit report. Well I 've just reviewed my credit report and it 's showing as a hard pull. I contacted  XXXX  behind this matter and they 've insisted once again they only do soft pulls. I am extremely upset regarding this.
I have an installment loan with Loan Depot. They do not send a monthly statement to inform me of how my payments are applied. When I view my account information on line there is no information as to the balance of the account after payments have been processed. In addition, the payment is auto drafted from my account on the XXXX of every month by Loan Depot ; however, they do not apply the payment until the XXXX of the month according to what they do post on line. 

I have tried to contact them and get passed around and no one will answer my questions. The last person I spoke to told me to call back and he would help me if no one else would. I left him a message and he did not return my call so I still do not know how much is left on my loan, how it is being applied, and why it is not processed when they take the funds from my account. I also do not understand why they do not send me a monthly statement.
Bank of America is not reporting correctly on my credit. They included my mortgage in a Bankruptcy when I had paperwork with in my bankruptcy indicating possible re-affirmation. I continued to make payments on time also indicating of a reaffirmation from XX/XX/XXXX to XX/XX/XXXX as per my HAMP modification. This is also not reported. I also paid loan off in full by refinancing and Bank of America is refusing to show the payments from XX/XX/XXXX to XX/XX/XXXX and status of account paid as agreed on credit. They are sure quick to show bad status by will not show anything good.
I have been having issues with completing the short sale process for my property to relieve myself from the debt and settle what i owe with the lender Specialized Loan Servicing. I followed all their guidelines and steps involving the short sale process and had the auction of my home delayed in order to ensure that i would be able to complete a short sale and get my life back on track. With the help of my realtor we got a buyer to put an offer in which we submitted to them. Around the end of XX/XX/XXXX they agreed to review my short sale and sent out an appraiser to get the value of the house. Their value came back higher than our buyers offer of XXXX. Despite their lower value, they told us they were looking to get XXXX. We immediately went back on the market to look for that value. We were able to get the original buyer to come up to meet their counter, and when we did they refused to review it as they had set an auction date and claimed we did not have enough time to submit it for a review. They claimed they had issues getting into the property a second time which caused some delays in them getting another value, but we never received a call from any appraiser. They finally sent someone on XX/XX/XXXX and my realtor had to meet them out there to make sure they would get in. At this point another auction date was scheduled for XX/XX/XXXX so we were still on a time crunch. They got their value back at the same as it was previously XX/XX/XXXX and asked us to wait til after the holidays for an approval. After the holidays we were told that they were looking to NET XXXX even though their valuation of the property came back at XXXX and said their investor would no longer look at a short sale. I have put a lot of effort into this short sale only for it to be shut down because SLS 's negligence and inability to follow through with the process. Their inconsistency leads me to believe that they never actually entertained our offer, and put us through this process for no reason.
I received in my mail a pre-qualified offer from Springleaf Financial Services ( see copy attached ) based on my excellent payment history and current lines of credit with that lender. XXXX XXXX was the original lender. XXXX sold my lines of credit to Springleaf several years ago. Today, after I agreed to Springleaf 's pre-qualified offer, Springfield denied me the loan, even though I qualified according to the representative who took my information. This resulted in a denial of credit that negatively impacts my credit report.
Equifax mishandled my personal information and that of millions more in the country. 
The breach in XXXX XXXX has put us all at risk. I 'm extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call. I discovered the news via a news alert on my phone. Equifax should be required to monitor ALL accounts, for life, and notify victims if any fraud occurs. Credit fraud protection should be inclusive to ALL accounts, not a pay-for feature. This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I have spent and will continue to spend uncountable hours, and will waste money I should n't have to part with just to freeze accounts if it comes to that. This is an undue burden from a company I have never chosen to do business with. Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
I have repeatedly requested that Grant & Weber provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
I disputed an amount of {$130.00} for a charge on my account that should not have happen with US Bank. I received a rental car from XXXX XXXX after an accident with my car. The other person 's insurance company had to pay for the damages. I was to receive a rental car during the time my car was in the shop. I was told by XXXX that I will not be charged for the rental, just the holding fee of {$50.00}, which will be returned to me after I return the rental car. I received the rental on XXXX XXXX, XXXX and returned the car on XXXX XXXX, XXXX and my balance was at {$0.00}. A week later on XXXX XXXX, XXXX, my bank account had a charge of {$130.00} from XXXX XXXX which put my account in negative and received an overdraft fee of {$36.00}. I contacted XXXX and was told by the Manager, that she was sorry, she did n't know how to process a rental through the insurance company. I asked for the payment to be credited back into my account and was told they can not give credit after the rental agreement has been closed. I was shocked, after they took my money when the agreement was closed. I then contacted US bank to dispute the claim, I was given credit back in my account after 10 days from XXXX XXXX, XXXX. I did not receive the dispute paperwork until XXXX XXXX, XXXX. I sent over receipts from XXXX that showed my balance as {$0.00} and receipts that show they billed the insurance company. My dispute claim was denied after US bank card service received information from XXXX that the insurance company sent me a check after I disputed the amount. I was charged several overdraft fees in the amount of {$320.00} from the beginning of my dispute to now. Recently, I was charged {$280.00} of overdraft fees on Wednesday XXXX XXXX, XXXX, Thursday XXXX XXXX, XXXX, and Friday XXXX XXXX, XXXX. Overall, US Bank should have protected my account after I explained to them, that I should not have been charged in the first place. Instead I 'm stuck with multiple overdraft fees and I ca n't pay my bills for the month. US Bank did take into consideration that I did not authorize XXXX to take that amount out of my account. I spoke to several bankers, the claim department, as well as the bank manager that I open my account with, about removing the overdraft fees and all they say is there 's nothing they can do until I send in paperwork showing that the insurance company paid XXXX XXXX directly. Instead of the bank charging me 1 overdraft fee of {$36.00} for the forced charge back on my account in the amount of {$130.00} that occurred on Wednesday XXXX XXXX, the bank charged me 8 overdraft fees for my purchases made before this forced charge back. This is unethical practices and I will like someone to look into my issue.
OnXX/XX/XXXX I called Chase/XXXX credit card ending in XXXX to close the account.
Instead of closing the account like I requested, Chase/XXXX sent me a replacement card, which I received on XX/XX/XXXXin the mail.
On XX/XX/XXXX I called Chase/XXXX and spoke to supervisor XXXX at Chase, and asked her why I received a new credit card in the mail, when I asked for the account to be closed, ending in XXXX.
I received a new card ending in XXXX.
She told me that card was sent because " we said we were victims of identity theft ''.
I told her that was incorrect, we said to CLOSE THE ACCOUNT.
XXXX said she would close the account on XX/XX/XXXX.
Today, XX/XX/XXXX I received a credit bureau monitoring alert that another card was issued, ending in XXXX. I called Chase today and spoke to XXXX, and asked her why a second card was issued, which appears on my credit bureau report.
She told me she did n't know why another Chase card was issue, but now the account is closed. She said it appears every time I called to request the account be closed, it automatically issues a new card instead!
I told her I was very upset that Chase does NOT WANT TO CLOSE MY ACCOUNT, and I have to call 3 times to get my account closed.
This reminds me of XXXX XXXX, where they open up unauthorized accounts ....
This is the reason for filing this complaint - this must be stopped.
I recently disputed XXXX XXXX XXXX XXXX for XXXX XXXX XXXX stating I applied for something on XXXX/XXXX/2016 and I did not.
I have a collection account on XXXX Credit Report from Credit Bureau of Louisiana for ( XXXX XXXX ). At the time of service I was in the custody of the United States Marshall 's Service being housed at XXXX XXXX XXXX XXXX. The XXXX or XXXX Parish Sheriffs office is responsible for this charge. This is what I want to dispute I was in custody from XX/XX/XXXX until XX/XX/XXXX
My currency has been locked on the website and I have received no responses to my emails about it. There is a potential major change ( split ) in the currency coming up and they will not let me access it, even though they issued public statements to remove it from their website by a certain date. They will not allow the value be given to the users at all and wo n't allow its removal ( at least for me ). What they are doing/did seems criminal and if it is not, it should be.
Bank of America is putting items on and off credit reports without any notifications. Account ends in XXXX and should read paid as full.
I applied for a checking account from Key Bank that promised a {$300.00} bonus for making a direct deposit of at least {$500.00} within XXXX days. The bank confirmed that I met that requirement, but denied me the bonus because I had an account with XXXX within the last XXXX months. But the fine print of the offer ( which I will attach a screen shot ) only said I could n't have had an account with Key Bank in the last XXXX months. Nothing about XXXX. I had no way of knowing they were affiliated. The fine print they sent me in their denial email ( which I will attach ) is not the fine print that was on the offer page, nor in the confirmation of account opening. This was a bait and switch, and now I am stuck with the account for at least XXXX months to avoid early closure fees.