WillisBack/dataset-financial-user-claim huggingface dataset:
To whom this may Concern, My name is XXXX XXXX XXXX, and I 'm a member of the SECU. I reside in XXXX, NC. 

I 'm sending this email as my rights a as member have been significantly violated. On Friday, XXXX XXXX, I had someone deposit money into my account. They did n't have my account number, only my first, middle, and last name, along with my address to assure it went to the right account. 

They followed back up with a confirmation that they money has been deposited, and sent me a picture reflecting my balance in my account. I 'm livid right now, as it is no one 's concern as to how much money is in my account, and it puts me at a disadvantage when trying to have my privacy. I have dealt with SECU for a few years, and have even made deposits in other 's accounts, and I know this is not the proper protocol to expose my information. 

I 'm out of the country for the next two months, or else I would have visited the bank in person. I need to be communication with a Senior level or even corporate manager to notify them of what happened. The teller also needs some ramifications to take place on their part as I 'm a victim of having my information unwillingly exploited. I still have pictures on my phone reflecting the receipt the individual received before leaving the bank. 

I need to know my rights also as a member and potential compensation for my right being violated to ensure this does n't happen to another member moving forward. This has unfortunately put me in an uncompromising situation. 

Lastly, email right now is going to be the best form of communication, as I 'm in XXXX for the next two months.l Thanks,
I was billed for a deceptive offer on line and was offered a gift for taking a survey for a department store I frequent. The offer was for product with only shipping charges and I submitted my master card #. My statement reflected those charges on XX/XX/2017 but also to my surprise on XX/XX/2017 there were XXXX charges from the same company reflecting full price for product. I contacted my bank Santander XXXX card and they immediately cancelled card and issued a new one. Dispute was sent to fraud dept and in XX/XX/XXXX received a follow up letter stating we are denying your claim and to contact the merchant directly. When I contacted fraud dept, I was told that there was no fraud since I submitted my credit card #. I then contacted XXXX, company that submitted charges, and was told to drop the dispute and they would refund my account but my bank had to contact them by phone or mail to confirm that I no longer was disputing charges. When I called Santander I was told that was not their policy and would not contact XXXX and I was on my own. When I called the merchant, I was instructed to E mail bank letter and a letter stating why I was disputing the charges and a Refund Transaction ID would be sent to my bank. There was no credit following statement so I called Support XXXX was told that no credit would be issued since the bank did not consider fraud and would n't contact them by phone or mail. 
I have contacted Federal Trade Commission to inform of these charges and was issued a reference # for my case. I was also given a telephone # for your agency and dispute how the bank was negligent to pursue my dispute and how I was brushed off also by the local bank manager at my l bank in XXXX Ma. The RED FLAG for the fraud dept was clear since what merchant bills for shipping charges a month before the product charge. I would hope for Santander XXXX MasterCard to know that I am disputing and unhappy as to how they treated me to handle this on my own. I have stopped using card for any purchases and wont cancel till this matter is resolved by Santander and XXXX. I hope to hear that the bank has been notified about my complaint thru your agency.
Plaza Mortgage made a mistake and put one mortgage payment toward the principle of the loan instead of XX/XX/XXXX 's payment, as I intended. I called customer service, and they noted their mistake and reversed the principle payment, and put it toward XX/XX/XXXX 's payment. Ever since, we have received 6 letters in the mail saying we are delinquent on the mortgage and are in peril of foreclosure. Let me be clear, we are absolutely current on our loan. I have had to call customer service 3 times to ask them to stop sending collections letters, but they keep coming.
Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, equifax and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks
Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. 



XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXXXXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX  - XX/XX/2017 XXXX - XX/XX/2017 EXETER FIN - XX/XX/2017 XXXX XXXX - XX/XX/2017
This is a third party company Ability recovery service that is trying to collect for XXXX University. I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX for a XXXX XXXX. I recieved full Financial Aid that was provided by the United States Department of Education. I had an ECC : of XXXX which is how much I could contribute to my education. I recieved 100 % subsidized and and unsubsized student loans. The money goes directly to the school and when I withdrew. They are claiming that I owe over XXXX. I am current paying on my student loans.
I am the co-signer on my daughter 's auto loan. She says that she is making payments although she may be slightly behind. I understand that it is affecting my credit if she is behind, but she has a decent job and she will make the payments. I just want the dozen or so calls I get per day to stop. I have no more information to give them.
The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  COMNWLTH FIN does no t have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
I was denied of a credit card based off of some identity verification issue. They never asked me to send in any documents to verify my identitiy, they just denied me.
lIEN NEEDS TO BE REMOVED AND MY SCORE REINSTATED ... .STATE OF MARYLAND HAS CONFIRMED THIS IS AN ERROR DOCUMENTATION ATTACHED.
I do n't recognize a debt forwarded to this company in my name. I received a random email 3 days ago on an account I do n't use ( luckily randomly checked my inbox today ). It was related to XXXX XXXX, whom I was a client of in 2015 but do n't recognize the charge they 're pursuing against me. I never did a {$100.00} transaction, which both companies say I owe. I refuse to pay something I did n't do and will not tolerate any impact to my credit.
I leased a brand new 2017 XXXX XXXX. I received the car on XXXX XXXX. On the morning of XXXX XXXX ( not even 72 hours later ), I found the car dead in my garage due to major electrical malfunction. Since that time ( 3 full days ago ) I have called Chrysler customer service at least 25 times. I have had a tow truck cancel on me 6 times. Chrysler 's policy is to tow the car to XXXX of the XXXX closest dealerships. A Chrysler rep called all XXXX and they all refused to accept the car. The original dealer that gave me the car offered to take it back and service it. The dealership is XXXX miles outside Chrysler 's towing limits. Chrysler wants me to pay {$100.00} to tow the car there. Not one of the 25 reps I spoke to had the authority to waive XXXX miles or {$100.00}. They all said I have to be assigned to a case manager, the only person in the entire organization who can maybe assist me and get a waiver. I apparently got assigned to a case manager on Monday, but you are required to wait 24 hours for a call. I still had n't gotten a call 24 hours later, so I called again to let them know. The rep I spoke to said that because I spoke to a manager during the day today ( who also could n't help me ), it reset the case manager assignment process and now I have to wait another 24 hours for a call. So now I have to go another day with no car and no assistance. Also, Chrysler initially told me they will reimburse me $ XXXX/day for a " comparable '' rental car. I called several local rental companies and they do n't have ANY cars available for $ XXXX/day, let alone a comparable one. They offered me a XXXX XXXX for $ XXXX/day. I leased a minivan - NOT comparable. The reps could n't help with that either. 

I do n't feel comfortable driving the car anymore. It is n't safe for me, a XXXX woman, or my XXXX young children. The car does n't recognize when the brakes are on, would n't shift out of park, and had many other issues. The most frustrating part of the whole process is the complete and utter disregard of every single person I spoke to at Chrysler, for my situation. I am now going on Day 4 with no rental car, and a brand new dead car in my garage. I drive to work every day. I take my children to school every day. I have spent hours on the phone with them, and my husband had to take a day off from work to wait for a tow truck that never came. 

I asked for a manager or a supervisor or a case manager almost every time I called. I was informed that there was no manager or supervisor or case manager on premises. The reps would n't provide names or contact phone numbers for their supervisors, and told me that the Lemon Law department and legal department do not accept phone calls from customers. I am completely at my wit 's end and I do n't know what to do. Calling customer service has gotten me nowhere and now all I can do is wait for a mythical case manager to call. If I dare call again tomorrow they will probably reset the process again for another 24 hours.
My complaint to XXXX XXXX XXXX XXXX website not answered. They call 5 times a day, & I tell them the same thing : payment will be brought fully current the next time I get paid on XX/XX/XXXX. They say ok, but then they call again & again, 5+ times a day for 2 more weeks because they cant stop the robocalls.
I was contacted by this company, Fedloan Help , Inc and led to believe that I was going to be repaying my student loan debt and that I was going to be enrolled in the loan forgiveness program that forgives your loan after 10 years of payment. I have been making payments for the past year in the amount of {$72.00} and was under the impression that I was taking care of my loan directly. Recently I received emails from XXXX XXXX saying that I was in delinquency for failure to pay my loan balance. I was told that none of my payments for the past year were applied to my student loans and I was not enrolled in the loan forgiveness program. I believe I was falsely lead into paying a third party company and that they were deliberately deceiving me. I received monthly payment invoicing notices claiming that this was my courtesy student loan payment reminder which contributed to the deceit. I have paid the {$72.00} every month for the past year and paid a total of {$860.00}. Not only did this company enroll me on false pretenses, they also did n't inform me that I had to continue on my own every year to reinstate the payments. This has negatively impacted me, I do n't have the money to pay two separate companies for the same service and I was told my credit score could also be negatively impacted because I was considered delinquent on a loan.
I called Navient in XXXX of XX/XX/XXXXto renew my reduced interest repayment program and give my new financial information. Since that time, my financial situation has changed again. I called on XX/XX/XXXX to give updated income and debt/income information. They told me that it could not be reviewed again until XX/XX/XXXX and that I was locked into that monthly repayment amount. I advised that over and over that my financial situation changed since then and they still would not review my account with me to possibly adjust my payments.
CDs were purchased from XXXX Bank which was acquired by XXXX bank. XXXX was acquired by BNY Mellon. They were never cashed in and have been sitting in my husband 's office. They are in my name with my SS # on the front. BNY Mellon is refusing to honor these CDs. I have attached copies of them to this complaint. We have checked with unclaimed property of Pennsylvania and they have done an investigation and did not achieve resolution with the bank. This is my hard earned money and I purchased these CDs expecting to be paid back. I have the original CDs.
Prior to buying my house on XXXX, XXXX, 2013, my rate was locked in at 3.80 % with Wells Fargo. I bought a XXXX XXXX XXXX XXXX home, and only needed to put 3 % down. With all said and done, I ended up walking away with {$890.00} at closing for credits and other items. 

As my closing date got closer the mortgage agent kept increasing the rate because of numerous reserve requirements and fees. One increase for .125 % was for a reserve requirement that was supposedly short by {$110.00} that they would cover and increase my mortgage rate. I asked if I could go cash my change in at the bank and deposit it to cover it, and he said no as he needed a monthly statement showing the amount and would not have time for next months statement before closing. Incidentally, .125 % at the original {$160000.00} mortgage for just one year is {$200.00} in interest. There were a few other reasons, but at the moment do not remember all of them. Nonetheless, I felt pressured into saying yes to the increases or I would not get the loan. At closing the interest rate was now 4.25 % with all the extras he " had '' to add on.

Then, when closing day came around, the agent and the underwriter were both hard to get a hold of, and we had to push closing back two different times. Finally, on the 3rd try, we signed and reviewed the papers in 30 minutes, as Wells Fargo notified us at XXXX that the papers were finally ready, which left little time to get the lawyer and title company sufficiently ready. It gave me little time to double check my mortgage or even question anything. As a first time home buyer, I felt as if I was taken advantage of. 
With all said and done, I ended up walking away with {$890.00} at closing for credits and so forth, which made the interest rate increase seem even more suspicious. The whole process seemed somewhat abnormal, and feels like it was predatory lending now.
This is from a payday loan from a few years ago that I have not paid. I have been tourchered by them for over a year with threatening emails, telephone calls at work and to XXXX. party individuals that are not even associated with me. I have told them via email and via phone to quit calling me. An example, I have received XXXX phone calls between XXXX and XXXX from them.
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
I received a collection letter from a company named XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018, collecting on debt from a XXXX XXXX XXXX in the amount of {$1400.00}. I submitted a debt validation letter to them within the 30 day period. I have no knowledge of this debt and want to know if this is a scam. I am a licensed attorney and will fight this unlawful collection attempt to fullest extent of the law. But, would appreciate your help on this manner, if you are familiar with this company attempting to collect this debt. If they have complaints on file. How do I go about getting access to those complaints or record of action taken against them. Thank You for your help.
There is a XXXX credit card open in my name that I never applied for and other inquires that I never applied for showing up on my credit report.
My daughters student loan is with Navient. My husband and I are paying it for her and have been sending in payments of {$300.00} per month with a note to put extra on the principle. I figured out that they ignore my notes and process mail in payments very slowly so they can get more interest. I then started to pay online. When I started, a page would come up to select that the extra not be paid forward. I did this twice, then all of a sudden, this page does not come up anymore. Their website is not consumer friendly. I continually have to write extra letters, trying to get them to do what is instructed. I just do not understand why they and other banks are allowed to put the burden on the consumers to write each time they want extra money to be applied to the principle. It used to be automatic. Please help me because the frustrations dealing with Navient is beyond belief. In fact, my daughter had to go through bankruptcy. They stopped sending invoices and my XXXX husband failed to pay ... this accrued an extra {$700.00}. in interest! In addition, the amount they take in interest is different all the time. It does not seem to matter if you pay early or on due date -- and it is not less if you do pay early! Even trying to find a way to email them on their website is close to impossible. Please help for me and many others. Sincerely, XXXX XXXX
On XX/XX/XXXX I sent Experian my FTC report as well as a police report for identity theft on the following accounts below. The documents were sent XXXX and through the CFPB portal. The documents were signed for on XX/XX/XXXX by a representative of Experian.

I contacted Experian on XX/XX/XXXX and spoke to several representative who all informed me that the dont have the documents. I am resending the documents again today and demand that the fraudulent accounts below be immediately removed from my account.

Fraudulent Accounts Which Needs to be Removed. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX
I recently received a copy of my XXXX XXXX, Equifax and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX
From : Source XXXX XXXX Phone XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX I received a written notification on XX/XX/XXXX ( dated XX/XX/XXXX ) about an unpaid balance of {$93.00} related to the preparation of my XXXX tax return prepared and e-filed at H & R Block in XXXX. 

I contacted Source Receivables Management debt representatives at XXXX. The representative was unprofessional and disrespectful. As I attempted to explain that I was a victim of identity theft, he continually interrupted, called me a liar, and raised his voice. 

I tried to explain to the Source Receivable Employee, a criminal named ( let me know if you want his name ) committed tax fraud with my identity. This has been verified by the Department of Treasury.