WillisBack/dataset-financial-user-claim huggingface dataset:
PMAB continues to harass and call me after sending them a cease and desist letter by certified mail XXXX-2017 which is attached with certified receipt. I do not owe this company anything or anyone else. I have told the to stop contacting me as I will not ever be offering payment for a bill that is not mine. The certified receipt with tracking numbers is attached to confirm PMAB received the the cease and desist but they continue to ignore the law.
Apparently, Oracle ( XXXX ) XXXX has contacted my employer numerous times explaining that I have an important legal matter. They have also called my church, my neighborhood association, and parents. This is a lot extreme!!! When asked to discontinue, they insisted on verifying my social security number. They were very hostile! I have verified with credit and court records, and neither has me owing a debt.
We went to www.equifax.com to order a personal credit report product that supposed to provide XXXX credit reports from Equifax XXXX along with XXXX credit scores for XXXX fee of {$39.00}. After we set up personal information and provided our XXXX debit card number, we were charged the amount of {$39.00} immediately XXXX we verified this when we signed in to check our balance in our checking account ), this amount was immediately debited from our checking account available funds, however, the product was never delivered because of a post identification verification process. The system communicated that we had to call to be verified thru the telephone. My complaint on Equifax is that the company site is set up to withdrawal money from a person 's checking account/debit card XXXX what ever form of payment is provided by the customer ) with out delivering the product. Equifax needs to ask the computer generated identity verification questions first, for some reason, if the consumer fails to answer the verification questions, then Equifax should not immediately charge the consumer for a product that will not be delivered. When we followed the instructions to contact Equifax to be verified by phone, the first representative was rude and she hung up on us. We had to call back and speak to a different representative who communicated that the charge was in process of being reversed but it will take 24-48 hours XXXX business days of course, all this happened on a XXXX so we will not get our money until 4-5 days later ), however, again, this should not have happened. Equifax has had a negative financial impact on our funds. Lastly, the second representative had the nerve to try and sell us another Equifax product that cost XXXX and she guaranteed that it will be delivered ... .This is astronomical and comical that she had the nerve to try and get another payment from us before Equifax had reversed the first XXXX. Equifax , we are consumers that do not have a lot of money, please fix your website so that consumers are not charged for a product that will not be delivered.
My deposit was approved then taken back and being held for 15days the deposit was made 3 days ago and now XXXX XXXX AS LONG AS ND XXXX XXXX DECEITFULLY BIAS & PREDJUICE BANK XXXX. have put a hold on my MOBLIE for 15days this is not a check this is unc as lied for I was told by XXXX XXXX they have not even prevented the money order for payment is demand proof this money order was processed and presented for payment and not just being held deceitfully. Send proof to my email showing this instrument was present for payment 4 days ago ...
I disputed the 30 day delinquency through XXXX & XXXX for XX/XX/2015 & XX/XX/2015 regarding my GM Financial account XX/XX/XXXX and never received a response regarding my dispute. I have contacted GM Financial and the XXXX, XXXX and have advised them GM is out of compliance responding to my dispute and this must be removed and still nothing has been done.
The company XXXX XXXX XXXX called and left me a message today XX/XX/XXXX, stating it was in reference to my student loan and that they needed to discuss payment options with new changes that were taking effect. This was a very misleading message I received and my loan payment is due in a week and a half so I thought I needed to call back and make sure my payment was fine. When I called back I spoke to XXXX, he stated that XXXX has a lawsuit pending against them by the government for giving out loans and offering low monthly payments that would never apply to the principle. This made sense to me given the fact that I have had my loans for almost 20 years and I still have come no where close to the principle amount. XXXX then said that his company worked with the department of education and they were given a list of students with current loans to contact them and help them with their debt. He told me that he sent me an email to help look into my account and I needed to give him the number provided in the email. I stupidly gave him the number and asked him why is this email say it is a password change and it is coming from FSA? He told me not to worry that email was from him and he would be able to access my loan information to help me out. He then changed my password. I though it was all really fishy sounding but I still gave him the number it was all confusing and I had never logged into FSA prior so it did not click what was happening at first. He then proceeded to talk about all 6 loans I have the dates amounts ect. He told me that his company would put it on a 10 year payback plan and complete wipe out the rest of the amount when this was completed. I told him that I wanted to research his company and not make any decisions until this coming Tuesday. XX/XX/XXXX. Upon further inspection, I found there website to look very fictional, the content listed on the site made no sense, not to mention it was built with XXXX  photos. XXXX is there web address. I also found them listed on the XXXX  for fraud. I then luckily went to FSA site and changed my password so they could not access my information any longer. I also called my loan provider and let them know the situation which brought me here.
Based on the information provided, we believe that your personal information may have  been impacted by this incident.
I 've never received information regarding the debt nothing validating stating it belongs to me yet signed off on this liability.
The site will not load can I get a phone number to call. I only have my cell for internet use and I am worried now that it 's hacked
I have never applied for or taken a private student loan. 
Navient has 11 of my FFEL student loans. They are claiming they are private loans. They refuses all my requests for repayment options, forbearance, and deferments. I've shown them several times these are federal loans that appear in the NSLDS. They refuse to listen. 

I need help with Navient.
I disputed a collection items reported by XXXX XXXX. Transunion has continued to report it ; however, has not provided an evidence that the account is mine. They have changed removed it twice and then changed the around twice. I have even showed them where I wrote to XXXX XXXX and the letter was returned back to me saying it was a bad address. I have reported this account three times and the only thing that has changed has been the dollar amount but no documents on why nor copies of signatures from the collection agency.
XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX was placed for collection with XXXX XXXX XXXX/XXXX XXXX. The balance owed is {$210.00}. I disputed with XXXX XXXX XXXX XXXX regarding this matter ; I believe I do n't owe them anything. 

XXXX XXXX XXXX/XXXX XXXX has reported the account as uncollected to Transunion Credit Reporting Agency . As a result of this reporting I have been unable to secure credit from any business and homeless for two years ( unable to rent an apartment ). TransUnion has estimated that they may remove the negative data from my report XX/XX/XXXX. 

I am requesting assistance from your agency with asking Transunion to remove the negative data from its report before XX/XX/XXXX. It would be greatly appreciated if it could be removed in XX/XX/XXXX.
I have had my accounts repeatedly incorrectly reported by Navy Federal Credit Union, after I have taken multiple actions through the CFPB, Credit Bureaus and even legal action. They refuse to correctly report information and continue to damage my credit report, in what seems in an intentional way. I had a Bankruptcy that was filed XX/XX/XXXX, at that time navy in terms of my accounts ; closed, wrote off and terminated my membership. The subsequently then continue to report incorrect information, including ; showing the items " included in bankruptcy '' in XXXX XXXX, which is incorrect and severely damaging my credit report. My bankruptcy was indeed discharged in XXXX XXXX, but instead of showing it discharged, they are characterizing it in such a way that appears I am just filing for bankruptcy in XXXX XXXX,
Equifax compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. 

I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. 

Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!
I booked a trip for myself and my brother/traveling companion with Chase Sapphire Reserve card that included a refundable hotel booking, 2 nonrefundable plane tickets, and 2 nonrefundable hockey tickets for a trip starting XX/XX/19. On XX/XX/XXXX, my traveling companion needed to undergo an emergency XXXX that prevented him from XXXX  per his XXXX. 

Chase sapphire claims to offer travel cancellation insurance for trips booked using chase sapphire card for reasons including : " Accidental bodily injury, loss of life, or sickness experienced by the Cardholder, a traveling companion or an immediate family member of the Cardholder or a traveling companion '' As soon as I learned of the XXXX, I contacted Chase in order to utilize this benefit. After speaking with a representative, I cancelled my refundable hotel booking and was told chase would handle filing a claim for the nonrefundable items. 

I received an email with a claim ID from Chase on XX/XX/XXXX requesting the relevant medical paperwork which I provided. I did not receive a response. 

I have received no follow up for chase despite having contacted chase at least 4 times now. 

Most recently, on XX/XX/XXXX. after explaining my situation to a chase employee, she was very upset at how my situation has been handled and transferred me again to the benefits team. I explained my situation to this team, and was told they had no record of my claim number but would start a new claim. I instructed that I would like to file a new claim and provided information over the phone. I was then told that I would be sent a claim form by email within 48 hours. I was never sent this any form or received any contact from chase. 

Chase employees that have been contacted on at least 4 separate occasions have shown to be willfully misleading during this process and has outright refused to honor the terms of their benefits card to this point regarding this issue. 

I have records of all interactions with chase to this point including recordings of all conversations with Chase Employees
In XXXX 2016, I called my credit card provider, XXXX. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$230000.00}, which is about the same has it has been for the past XXXX3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$35000.00}. The woman either did not hear me or made a typo in submitting the request, leaving {$200000.00} off our annual income. This is solely based on XXXX error. I have repeatedly contacted XXXX about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest XXXX ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably XXXX ' mistake, and XXXX refuses to do anything?!?
Please refer to the previous case with " Case number : XXXX ''. I finally decided to close the PNC virtual wallet bank account for all the troubles that i have gone thru. But they keep on giving me hard times. 
1 ) First they tried to charge me {$25.00} as early termination fees - telling me that as i am closing the account in less than 180 days - they will do so ... even when it was well beyond 180 days of having this account. Later when i told them ... they did n't charged me anything like that. 
2 ) Since XXXX XXXX 2015 - i am communicating to them to close the bank account. But they are arguing and wasting time and not doing what is needed. I told them that i have already moved my funds out and I want to close the account. Did repetitive follow ups but no +ve steps from their side to close the account. Further they once again charged me lower balance fees ( around {$15.00} ) even when i told them long time back that this account needs to be closed.
I have been contacting Experian for more than a year regarding their error in reporting. The collection was paid and it should not be included in my report as it is a court collection not a collection agency. They have said they have verified it but that is impossible because the information is still wrong! this is hurting my credit badly.
1. On XX/XX/XXXX I got a letter from Wells Fargo Home Mortgage requiring me to submit proof of flood insurance on a home I own and on which they hold a mortgage. 
2. The mortgage has been in effect since XX/XX/XXXX and I have never required flood insurance. This is probably because the home is in the middle of the XXXX XXXX and about a XXXX miles from any water bodies. 
3. On or about XX/XX/XXXX, I called WFHM to inquire about this. They admitted it was a mistake. They said they would send a letter confirming that flood insurance was not required on the property. No letter came. 
4. On or about XX/XX/2016 I called WFHM to ask about the letter. They assured me one would go out. WFHM has no identification of its phone agents, they will not send an email, and the only identification I got was from some phone attendant named XXXX. Again no letter came. 
5. The letter is important because : a ) Wells Fargo Home Mortgage refinanced this home in approximately XX/XX/XXXX, promising a rate of 3.75 %. When the documents came for signing, the rate was 4 %. It took a complaint with the CFPB and the Wyoming Attorney General to resolve the issue in my favor, since WFHM was unresponsive. 
b ) This is the same company that took it upon itself to take out an insurance policy on the home, charging me {$3000.00}, when I already had insurance in place. It took a WF Bank employee 2 months to reverse the charges.
My husband and I are attaching a copy of the investigation request we sent to XXXX back in XX/XX/2017. Despite several attempts to follow-up, we have yet to receive the results of our credit updates.
XXXX gave me the message that my information may have been compromised in their most recent -- of multiple -- hacks. I went to get my 3 credit reports from the government website. The first would not give me it. The second -- Transunion -- has two CONSUMER REQUESTED inquiries from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that I did not make. This concerns me and their tool for reporting an issue does n't have a section to report this type of issue. I believe anyone whose information was hacked in this should be given identity protection for far longer than 1 year as if you were a criminal with this information, you could simply wait 1 year and then do what you want with the information. This also means that verifying my identity with my financial institutions is a joke now because the information they use for that may have been leaked in this blatant disregard for data security. Why was this not salted and hashed? Why is it not mandatory that companies with this information do that? It 's not even a case where I or other consumers did something unintelligent. Instead, we have no control over the information XXXX has.
I CALLED MANY MONTHS AGO TO HAVE A COPY OF MY CREDIT REPORT SENT TO MY HOUSE BECAUS I WAS DECLINED A BANK ACCOUNT DUE TO XXXX REPORTS. I WANTED TO SEE WHAT WAS ON THE REPORTS THAT HINDERED ME. I HAVE CALLED TO NO AVAIL MULITPLE TIMES AND STILL NO REPORT HAS MADE ITS WAY TO ME. NEXT STEP IS A LAWSUIT IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. PLEASE HANDLETHIS PROMPTLY! MY NAME IS XXXX XXXX D0B XX/XX/XXXX AND THE LAST FOUR OF MY SOCIAL ARE XXXX. IF YOU HAVE ANY QUESTIONS PLEASE CALL ME T XXXX.
XX/XX/XXXX My complaint : Navy Federal Credit Union drafted my checking account for {$540.00} on XX/XX/XXXX for a debt in my sons charged off checking account. My son and I have a joint savings account with Navy Federal. My sons checking and savings account was charged off on XX/XX/XXXX. I called Navy Federal today to ask for my money to be returned to my checking account and why would my checking account be effected because of a debt that has nothing to do with me and the Navy federal customer service rep as well as the supervisor in the Charge Off Department repeatedly told me because I was a joint owner on the savings account which has a balance of {$0.00}, and the money was then transferred to the checking account owned by my son only, his previous balance was {$5000.00} after my checking account from drafted his balance now is XXXX. I took my son to the police station back in XXXX to file a police report about the his checking account being defrauded by someone else because he lost his ATM card, and a check was deposited into his checking account. I called them back for a second time today ( XX/XX/XXXX ) at about XXXX and they let me know we were on a recorded line and talked with the customer service rep and supervisor but this time I was told a whole different story that the debt was now in his savings accounts which I am a joint owner on, but the debt owed had been in his checking account from XX/XX/XXXX until today according to the supervisor in the Charge Off Department. All the correspondence about XXXX XXXX XXXX Navy Federal checking account came to XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX was only addressed to him not me. His savings account had and still has a balance of {$0.00} according to the customer service reps that I talked with on Saturday, XX/XX/XXXX and today at XXXX XXXX XX/XX/XXXX. The information didnt change until I started to asked them repeatedly how am I legally responsible for debt in an account that is not in my name. I didnt know this was legal for them to draft my checking account to pay a debt that is not in my name. I just want my {$540.00} put back into my checking account. If you need more information please see my contact information below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
I started at The Art Insititute XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXand finished at The Art Institue of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have fallen victim to predatory lending, and have been mislead by the school to take out private and federal loans.
**This is my 3rd time submitting this information. I received a confirmation email, however when I log in it shows that I have no complaints. 

I did not authorize XXXX XXXX XXXX to pull my credit. I never signed an application. I reported this to XXXX because they are who I have credit monitoring through and to XXXX XXXX. I was told by XXXX that I need to contact the creditor which I did but to no avail. There are two credit pulls from them. 

I noticed there is a XXXX XXXX inquiry on my report from 2017. I NEVER authorized a credit pull. Period. I have reached out to both XXXX and XXXX XXXX but have gotten nowhere. 

Carvana pulled my credit twice without my authorization. It was only supposed to be pulled once but it shows a pull on 2 separate days. I contacted XXXX and again was told I needed to contact the creditor. Did so but have not heard back concerning this issue.
XX/XX/2014 Wells Fargo bank offered {$20.00}. To open a credit card account attached to XXXX pay for the iPhone 6 's. As long as you used the card within the specified limited time, you would receive a credit to your account. I purchased some batteries with XXXX Pay within the time frame and looked for the credit. After a month or 2 checking my credit card statement and nothing being credited I contacted Wells Fargo to question what happened to the credit? They said XXXX was responsible for the payment and they were waiting for them before issuing the credit. Nothing was ever credited. Here is a link that describes the XXXX Fargo/XXXX promotion. 
XXXX
Roundpoint erroneously increeased mortgage payment, then created a suspense account to make payments seem late and charged late fees. 
Tho Roundpoint has admitted in writing that it had no basis for increasing monthly payment and that its action was an error, it refused to correct the payment history despite numerous oral and written requests to do so. Instead it erroneously applied two payments in excess of the amount due to one month. Then they erroneously applied all subsequent payments, which actually were received prior to the due date, as if they were paid in arrears, created a " suspense account '' charged late fees, and continue to demand money in excess of what they are owed under the promissory note.
On XXXX XXXX, I received a note on my front door by a Company identified as XXXX. The note said that they had identified my home as being abandoned even though I live there with my XXXX year old girl. The house has been foreclosed on and a Sheriff 's sale date is set for XXXX, XXXX, 2015. I immediately contacted XXXX and told them my home was not abandoned and they told me to contact the servicer who is Nationstar home Mortgage. I contacted Nationstar via email on XXXX XXXX via email and told them my home was not abandoned and to please not send anybody on to my property until the house was legally theirs. On XXXX XXXX, my daughter heard somebody trying to open the front door while I was in the kitchen making her lunch. I looked out the window and saw a gentleman walking around to the back of my house and began entering the back door. I stopped him in his tracks and he told me that he had permission from Nationstar to enter my home and that it was abandoned and that the locks had been changed. He showed me a set of keys that allegedly belonged to the " changed '' locks on my door. My house was not abandoned and Nationstar was notified 2 weeks prior. I have confirmation emails stating that they were told this. This is harassment and now my daughter is afraid to be in our home and I am afraid to leave my house. The man who attempted to enter my home was named XXXX XXXX and he works for XXXX in XXXX, WI. His phone number is XXXX XXXX XXXX XXXX