WillisBack/dataset-financial-user-claim huggingface dataset:
My son was talking to this man, XXXX XXXX XXXX, on the internet who was claiming to sell sneakers on the internet. He had a XXXX profile and group. My son and him established a relationship. The man had people send money to my son 's XXXX account, so then when my son had this money in his account that was n't his, the man asked him to transfer him the money via Money Gram and because the money was not my son 's we transferred the money on XXXX/XXXX/16. He asked for it to be sent to his alleged finance XXXX XXXX. Her information will also be included. This man was exposed on Friday, XXXX/XXXX/16, as being one of the biggest sneaker internet sales scammer. The XXXX people that sent my son money have or will charge him back on his XXXX Account. I 'm working with XXXX, and I will contact Money Gram during their open business hours to report all of the contact information we have on this scammer.
I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to transunion, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, XXXX has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. XXXX has the same info reporting to their bureau as well.
I was charged {$89.00} over the actual first month payment I agreed to which was no more than {$38.00} in month of XXXX for loan amount {$320.00}. The payment was a total no more than {$120.00} for the third month and beyond month. I went to my personal bank and stopped payment on the amount taken out of my checking account XXXX/XXXX/2017. I was n't aware until XXXX/XXXX/2017 when I attempted to withdraw money to pay the rent. On XXXX/XXXX/2017 at XXXX XXXX I was contacted and was told to agree by XXXX XXXX this day to pay an amount of no more than {$110.00} dollars. The morning of XXXX/XXXX/2017, the company 's representative did not have my file ready and asked for the last XXXX numbers of my social security number. I find that suspicious by reason of the person asked my name first, before I gave my last XXXX digits stated they could not find my file right away after transferred to different department. I added that because if that company were professional, they should be organized in business and legality. The person admitted someone referred to as a sales department had, " messed my loan agreement up, but there was nothing to be done about that '' The representative stated that I said I got paid biweekly XXXX and XXXX, before that statement clearly stated by them that I said I specified monthly. I had to state that I said monthly the XXXX and the XXXX, in fear of the company reentering the facts before myself proof that I was schemed. The loan company came with the lower amount of no more than {$110.00} or I would be reported to their collections department. It 's XXXX XXXX right now and they are expecting a call by XXXX XXXX The person that primarily forwarded the loan asked for my debit pin. The second amount payment would have been no more than {$76.00}. I 've changed my pin since for financial security, plus they added charges of wiring fee of {$20.00} printed in the letter. I think the company got angry with me possibly because they tried to take another amount out illegally after the first time using my old pin.
My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at XXXX I was in legal trouble. It come to find out the XXXX Store contacted a collection agency called National Credit Adjusters at XXXX. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of TX laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for {$470.00} I would have to start payments right away. That the company is not willing to wait any longer. I told the lady over the phone their not my XXXX priority to even pay I have other bills to pay that are more important right now. I did agree to XXXX every two weeks. I am starting to regret this agreement because I felt rush. At the time of the payments I was making only {$500.00} a month at my job. The total payday loan including interest was {$610.00}.
I have had a credit card with Chase Business and was told that this will not be reported on my personal credit unless the card is delinquent 90 days. I had a chase card for several years and in XXXX XXXX my dad passed. I made a payment over the phone and it was not credited on time so Chase escalated my rate from 8 % to 29.99 % I wrote corporate and they told me too bad. I closed the account and they than escalated the payment much higher that the {$150.00} per month that we had budgeted. I have until the XXXX of next month before this would be 90 days yet I am now being told it will report after 60 days. Nothing has been consistent with this bank and they are frauding the public when this happens. I asked to have call recorded and they denied me yet say they are doing this on their own. I no longer have card and responded to a letter from them telling me they would work with me by lowering the rate if qualified or negotiate a settlement I spoke to a XXXX a XXXX ( XXXX ) who tells me that they will report delinquency on my personal credit after it is delinquent 30 days and definitely 60 days even though I have been told differently in the past. She claims it is the LAW. If this is the case how come other banks do not until it hits 90 days. I am in the credit field and such an action will result in me losing my job. Their actions of raising the rate for not properly posting a payment and then telling me hey could care less ( essentially ) caused the rate and the payment to go higher than what we had budgeted.I have personal credit card accounts with this company and have never missed a beat ( as high as ( {$30000.00} ) XXXX I am afraid that the attitude of too big to fail has truly created this '' monster '' that feels they are beyond complying to the laws and gives them the right to do anything to anyone without any recourse. Hard working people such as ourselves and the middle class bailed them out and have put the public at jeopardy. My card number ends with XXXX. I am afraid without the government intervening in this injustice that after the XXXX of next month it will have additional repercussions and destroy my credit. Letter I received prompting this was XXXX XXXX, XXXX. Phone number for contact was : XXXX or XXXX
My husband purchased a ring for me on XXXX XXXX for my birthday. After a few days of thinking about it we XXXX decided we did not care for the band very much. So we went into Jared again on XXXX XXXX, we looked and found another band and paid more money for the different ring. They said they were able to exchange the whole item no problem. Then on XXXX XXXX, I went into the store and explained to them that we no longer wanted the ring we purchased and would like to return the item and keep our line of credit but return the item. The employee when we made our first exchange never explained to us that the diamond had 30 days to return and we assumed that that was from XXXX XXXX and they said it was from XXXX XXXX so we had passed the date by 2 days. We were never told that information until XXXX XXXX when we decided to wait on the purchase and buy at a later time. We contacted customer service on XXXX XXXX and explained the situation and when they pulled up the transactions not all the number even added up to her. They were off and she was even confused and had to ask another worker to help her figure out the situation. After speaking with her she said there was nothing they could do to help us return the entire purchase. So we decided to call the jewelry store today and say you know what go ahead and give us our ring and diamond back we will just keep it and forget we ever returned it. The employee said no problem and said it would be ready in a few hours. All of a sudden my husband receives a phone call that now we need to pay Jared another {$200.00} in order to pick up the ring again. Which makes no sense at all if no changes were made to it at all we are just picking up our merchandise again. We feel so taken advantage of by this jewelry store they have not explained things correctly several times and all their number from the transactions see To be off and now they are asking for more and more money which makes no sense.
On or around XX/XX/XXXX I directly disputed a collection account ( XXXX Accounts ) with Experian, as they did not validate the debt pursuant to my request and federal laws. Allegedly, Experian conducted an investigation and determined that the account was mine. On or around XX/XX/XXXX, I requested that Experian provide me with the method in which they verified the account. To date, Experian has not provided me with their method of verification.
I submitted my IBR application online before my application deadline. I was prompted to print out and send in the form and income verification. I contacted FedLoan to ask where to send the application/verification, but I never received a response. I followed up by calling their customer service. The representative told me that my application had been received and that I only needed to upload my income verification. I uploaded the verification and later received a response that my application for IBR was denied because the form was expired ( despite it having an expiration date of XX/XX/XXXX ). Upon contacting customer service again to ask about the denial, I was told that my application could not be submitted online ( despite the first customer rep telling me that my application was received and that I only needed to upload my income verification ). I immediately uploaded a paper application and verification. Unfortunately, they processed my application after the most current billing cycle ( XX/XX/XXXX ), leaving me on the hook for a student loan payment XX/XX/XXXX that was 3 times my normal payment. The IBR application only applies to the XX/XX/XXXX bill and forward. I contacted customer service again, and they told me there was nothing they could do about XXXX 's payment. They blamed me for not uploading my paper application until after XXXX 's bill was generated. I explained to them that the only reason the paper application was not uploaded originally is because 1 ) they never replied to my message asking where to send the application and ; 2 ) the first customer service rep I spoke to told me that they had received my application, indicating that there was no need to upload it, only that I needed to upload the income verification. Their solution was to put my account in administrative forbearance for XX/XX/XXXX. I agreed, as they told me there were no other options. However, that means that more interest is accumulating while the loan is in forbearance. I am also seeking PSLF, putting my qualifying payments one month behind. I can not help but think that the process is deliberately confusing and that their reps are encouraged to make it even more so, so that the company makes extra interest on the loan while it is in forbearance.
I reported the dispute to capital one and provided them with the documentation that showed the XXXX XXXX  who was automatically charging me {$99.00} per month was doing so after the service had been canceled for 11 Months before I noticed and disputed the problem. Capital one responded and stated that I did not provide the documentation that they requested but this is untrue. I have also tried to call XXXX XXXX  to discuss the issue and they just have a recording with a message and never return my calls. I have also been charged late fees and interest that I want removed.
I am complaining about transunion credit reporting. They are still showing an account as open and in collections on my credit report when it was included in my bankruptcy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have disputed this twice and no other credit reporting company us showing it. I have provided my bankruptcy dischard papers and they still will not remove it.
Afni, Inc reported un-verified and Inaccurate information to my credit profile which is in violation of FDCPA, FCRA and Consumer Laws for the account XXXX {$320.00} which they are not authorized to do since no Contract between Afni, Inc and myself exists, they are also in Violation of Copyright Laws attached to this name.
This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Experians response is incomplete and insufficient as it fails to answer the threshold question : 1.  Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.
My mortgage was sold to NATIONSTAR MORTGAGE in XXXX of 2015. Prior to being sold to NATIONSTAR MORTGAGE my monthly payment was {$640.00}. NATIONSTAR sent notice that my new payment would be {$650.00} however they did not provide any justification for the increase. My payment has now increased to {$750.00} again with no justification. They are constantly calling me and sending junk mail asking me to refinance by they have never provided an escrow statement or justification of the increase.
Ref : Capital One Bank Credit Account # XXXX I contacted Capital One 's fraud department via phone on XX/XX/XXXX to inform them of multiple unauthorized charges on this account from vendors I did not recognize. I was told an investigation would be opened and I would be sent an update in writing. 

It is now XX/XX/XXXX and not only have I not received any information in writing regarding this investigation, I now see multiple new charges from the same vendors on the card. I had paid my last statement balance in full ( including disputed charges ) on XX/XX/XXXX since I had not heard from Capital One and did not want to be assessed late fees or penalties. 

Capital One now informs me that it will take 1-2 billing cycles to resolve the fraudulent claims and that in the interim they will not issue credits. So due to the lack of efficiency of Capital One, the consumer, has to pay unauthorized charges. Not only that, despite me having flagged unauthorized charges from vendors, they continued to authorize charges from these same vendors despite the card number having being changed. The explanation for this is that XXXX has updated the vendor with the new card number. So, to sum up, despite me flagging a vendor as having made unauthorized charges on my account, Capital One has seen fit to go ahead and without my permission update the vendor with my new card number and then had the gall to actually authorize further charges on the card. 

This is a travesty of consumer rights. I did not give Capital One any permission to update vendors when my card number changes. In fact, I want quite the opposite. Why is this being done? Is this legal?
On XX/XX/2016 XXXX has transfer my modification loan # XXXX to XXXX XXXX XXXX. Since then XXXX XXXX is servicing my mortgage, new number is XXXX, but it is the same modification loan. 
XXXX XXXX does not send any information to me regarding incentive payments. XXXX used to send me such information every month with my statement.
I have repeatedly sent request to XXXX, XXXX and Equifax that the Bankruptcy court does not report to credit bureaus and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit-reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I am providing letter from XXXX to have the bureau 's remove this from my report/file.
A few weeks ago i checked my credit score, and accounts via   XXXX   XXXX  , i had disputed some accounts that should have been removed from my Equifax Credit report, Equifax removed following accounts :   XXXX / XXXX ,   XXXX   XXXX   and  a second   XXXX   XXXX   account, about 10 days later when i check my score those accounts were added back to my credit report without notifying me at all. this is clearly an violation. I called Equifax, but they would not help me with this issue  . 15. U.S. Code 1681i FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer, if any information that has been deleted froma consumers file pursuant to subparagraph ( A ) is reinserted in the file, the Consumer reporting Agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion, or, if authorized by the consumer by any other means available to the agency.
I was not notified in any kind of way that those accounts were reinserted or why. those 5 days have long passed
My wife paid a bill that did n't go through that came out of checking account 2 times wells Fargo put back XXXX payment then the other but took back XXXX $ which is still in question because I would like my money back I had XXXX $ and some odd change in my account before the transaction. I 'm still missing a XXXX $ I 'm not happy with the way they handled my case I want my XXXX back
Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXXXXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX invoiced me without submitting to my insurance company. I submitted the claim and my insurance covered 100 % ( the full amount was discounted according to my insurance company ). XXXX XXXX has sent the full amount to collections. I have repeatedly sent the explanation of benefits to the collections agency and XXXX XXXX and they continue to harass me for payment.
On XXXX XXXX I received a call from someone stating I had been approved for a loan, I told them I did not apply for a loan and they started telling me I filled out an online application in which I did n't, they mentioned that someone had used my social to apply for a loan, I then recieved a call from another loan company regarding a personal loan. Since they had my email address, I went into my email address to look to see if there was anything in my email in regards to a loan, this was on XXXX XXXX. I checked my reports on XXXX and saw a vendor XXXX listed for a hard inquiry, I saw in my email their number and I contacted them and let them know I did not apply for a loan and that they had information with my correct address, wrong birthdate, correct name and email, but wrong place of employement. I looked on XXXX and saw that my profile was listed to include XXXX XXXX XXXX which is not where I work. I did a dispute for the loan but did not see anywhere to put for incorrect reporting for XXXX XXXX XXXX. Last week, I put a 90 day freeze on my credit bureaus for safey. I have contected XXXX XXXX and they asked me to come in and get all the documents and also to call a number to see about getting the hard inquiry removed, I also need XXXX XXXX XXXX to be removed because I work full time for XXXX of XXXX XXXX. In addition to filing this complain, I will also file a police report today.
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I was trying to place an international order with my debit card. My bank "  XXXX   XXXX   XXXX  '' blocked the transaction. I called my bank to let them know that I in fact made the order, and that I have done business with the company before, and was very happy with the service I received. My bank said because of possible fraud they would not clear the transaction. It 's like they are telling me I ca n't spend my own money in the way I want to spend it. I have ordered from this company at least twice before, without even a question, the transactions went through right away. I understand the bank is trying to protect me, but how when I 'm on the phone with my bank telling them that I placed the order, I passed all of their security info, and they say they wo n't authorize the transaction, no matter what I say. THIS IS JUST WRONG. It 's my money, it 's a debit card, not a credit card
The letter explains to the best of my ability what has been going on. 

I feel that I want any stollen moneies returned as well as the people that are doing this to me get prossacuted, and this to end completely for good.
I have come to find out they charge an illegal interest rate of 780 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.
I applied for the loan on XXXX XXXX 2015 and a deposit was made on XXXX XXXX 2015 through XXXX Installment Loans. The company stated the effected date was on XXXX XXXX 2015 and also stated " I may get funds earlier ". The effective date obviously was on earlier. They requested an electronic signature before the funds were available and made the deposit before I could refuse the loan the next day. I then received notice of payment on XXXX XXXX 2015 for payment on XXXX XXXX. A payment on XXXX XXXX 2015 was deducted from my bank account by XXXX Installment Loans. The " Terms Agreement " was not received to my knowledge during the deposit or signature. I opened my account information and it was available at a later date on there website. I have read about the company being a scam and it 's legitimate that they backed out of their own contract. The interest is over what the government would allow. It 's at 800 % interest and they have my SSN, bank info, and work info.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 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.