WillisBack/dataset-financial-user-claim huggingface dataset:
Hi my name is XXXX XXXX user in coinbase/XXXX XXXX XXXX, my email address at coinbase is XXXX On XX/XX/XXXX I made a domestic transfer for XXXX $ from my commercial account named XXXX XXXX XXXX from XXXX XXXX, and I forgot put the Recipient Instructions/Message XXXX here are the payment details Username : XXXX Entered on : XX/XX/XXXX XXXX XXXX Company : XXXX XXXX XXXX  User Name : XXXX XXXX Approved 1 on : XX/XX/XXXX XXXX XXXX  BankReceived on :XX/XX/XXXX XXXX XXXX First Confirmation Number : XXXX Entry Method : Freeform   Status : Bank Received Account Type : ABA Bank Code Look-up Bank Code : XXXX Bank Name : XXXX   XXXX XXXX Beneficiary Bank Address 1 : XXXX XXXX XXXX XXXX Beneficiary Bank Address 3 : XXXX XXXX XXXX State : NY Account Number : XXXX Payment Total XXXX USD to 1 Beneficiary on XX/XX/XXXX I've sent several e-mails. they keep giving me an automatic response. they haven't tried to contact me. I need my money back or id like to have the funds on my XXXX  account.
I submitted a request to American Education Services to apply a natural disaster forbearance in order to prevent my loan from defaulting. I gave all the information requested and every time, I received a letter stating they needed the same information they requested. Every time I called in and gave them the information and every time they restarted the request, stating that it was a computer issue. When they finally did put the forbearance through, they completely ignored the loan that I had been requesting the forbearance for and then they defaulted that loan. I had requested it specifically to avoid that happening. When I emailed them to address the issue, they completely ignored my email. It 's been a week and a half and I have received no response and the issue has not been addressed.
I took out {$16000.00} in student loans in between XX/XX/XXXX-XX/XX/XXXX. Due to many circumstances, including misunderstanding of fees and penalities, these loans went into default. I consolidated the loans once that I am aware of, but according to NSLDS I consolidated XXXX separate times. I also completed a rehabilitation in XX/XX/XXXX. I have been consistently making payments well above the minimum requirement since XX/XX/XXXX. 
However, in spite of all the payments I have made over the past 20 years, my balance is now almost {$60000.00}. I contacted FedLoan in attempt to verify the payments I had made, and what the several thousand dollars of fines were from. They provided me no information prior to XX/XX/XXXX. I contacted the Ombudsman, whom I thought was supposed to be a neutral advocate, and I feel she did not represent my needs or my interest at all. It took her 5 months to provide me with the same records I already had. She specifically told me there is no information regarding my rehabilitation, no promissory notes, no explanation of fees or charges. She provided me zero additional information, and yet she said I have no options in verifying this debt that has consumed my life. 
These loans were taken out before the bankruptcy laws were changed, yet they were affected by the law changes. These loans were taken out before the lending process in general developed guidelines to prevent abuse, yet THOSE laws did not affect my debt. 
I have literally paid the equivalent of what was borrowed, yet the Department of Education tells me balance is 3 times what I borrowed. They refuse to provide any records to validate my debt, and it is obscene that my student debt is not held to the same standards as credit card debt, medical debt, civil debt, real estate debt, or any other debt that I have ever heard of. This is predatory lending, and unvalidated debt, and I should have the right to verify this debt.
Equifax suffered a security breach on X/X/2017 due to lack of sufficient cyber security and divulged my personal information through cyber attack. They are also a victim here, however as a direct result of their lack of security, I will now INDEFINITELY be at substantially increased for identity theft and fraud.
My sister and I are listed as POD ( payable on Death ) for my uncle 's checking account at PNC. My uncle passed away  XXXX   XXXX ,  2017 but  PNC has frozen the account and not released the funds to me or my sister. They have provided NO INFORMATION.
I have a payment plan with American Express and money management international which has been paid on time but Amex is showing no payments received since XX/XX/XXXX. My credit score has dropped by XXXX points and I am not getting any response from Amex.
I spoke with someone from XXXX XXXX about accounts on there consumer site that does not belong to me anymore that was discharged from my chapter XXXX.. preventing me from trying to open an account...
I am protected by chapter XXXX bankruptcy laws from having any of my creditors reporting me as delinquent and the balance due should reflect the court order. in the case of cenlar financial that balance due should be XXXX and no late payments. the same goes for fnb omaha. These XXXX creditors note that it 's a chapter XXXX wage earner plan but show that I am late and in arrears from 2013 when my bankruptcy was confirmed.My information is reported accurately by XXXX but inaccurately by Equifax and XXXX. I have tried to discuss this with them but am getting nowhere. I am trying to do an fha streamline to help my situation and this inaccurate information is a detriment to my credit and is preventing me from moving on.I believe that they are in contempt of the fair credit reporting act because i have made all my bankruptcy payments to my trustee on time and have not missed any.
Someone fraudulently collected {$290.00}, {$400.00}, & {$200.00} using XXXX banking application out of my Bank of America account, on XX/XX/2018 at approximately XXXX. 
I immediately contacted the Bank of America fraud department. The representative I talked to explained to me that it would take them 10 days to investigate what had happened. In the meantime I am left with a negative balance and it's up to me to put money into the account when I had {$950.00} before the fraud. 
XXXX does take any responsibility for the fraud and simply deleted my profile as I asked them too. Bank of America advertises XXXX services on their website, yet XXXX is not a secure bank app. 
I hold both XXXX and Bank of America responsible for what happened to me. 
XXXX should be willing to check into the matter and Bank of America should not recommend fraudulent banking services.
On XX/XX/2016, I made a car payment via Ally Financial 's website. The payment was to pay my XX/XX/XXXX car note. Though the payment was late, it was NOT 30 days late. The payment was made via the website to assure I would not go over 30 days. Eventhough, I paid the payment via the company 's online website on XX/XX/2016, the payment was due on the XX/XX/2016. Apparently, because XX/XX/2016 was a holiday, Ally did not give me credit for the payment until XX/XX/2016, which is date my bank account was debited, not the day I actually paid the payment. Because of this, my payment was flagged as a late 30 day payment and late fees were assessed. Ally credited my account the day the money was debited, instead of the day the payment was actually made on their website.
EXPERIAN, XXXX AND one other credit bureau has my wife listed with her name and someone else 's name ; the latter an erroneous name. when she attempted to remove it by disputing the item they refused to dispute it although two phone numbers were disputed and slated for removal.
MyFedLoan claims to have 'one goal : to help you successfully repay your loans. ' However, 57 % of people qualified to income based repayment plans did not re-certify in time likely due to poor communication on the servicer part, to the point of negligence and with harsh, irreversible and unforgiving penalties. 

In my case, I received one single email reminder during my busiest part of XXXX. I was obviously XXXX, overworked, and more focused on XXXX than my own financial well-being. I thought I filled out the re-certification, or perhaps it was another form for public service loan forgiveness but must 've overlooked the email. FedLoan servicing ended up automatically placing me back on standard repayment and capitalizing almost XXXX in interest on top of my principal. This will end up costing me thousands of dollars because I overlooked one email. 

In our society where we are inundated with emails and reminders, for them to only send one notification about something with such severe ramifications if missed is criminal and definitely not in line with their supposed goal of helping me re-pay my loan but turning around and flippantly increasing it. Their other notifications require me to open their email, then click a link to go to their website, log into that as well then download a pdf. Multiple steps that as a XXXX I just do n't have the time to do. I am part of a group that will absolutely pay back my loans but the way the system is set up now is that only people who have financial support can possibly get into and finish medical school and residency. 

The student loan rates are out of control compared to current other average rates with no way to re-finance and it is simply impossible to work other jobs for funding during training so either we take out loans or are supported by rich parents. This is a terrible system, we do not want a society where the only people becoming the caretakers are the rich ones who can not relate to the majority of the population. 

I called multiple times to attempt to fix the issue and was told I had to go into hardship forbearance and that was my only option, however after looking online, there are people who were able to find a rare kind soul at FedLoan servicing who would help reverse the capitalization. This is no longer possible after you enter hardship forbearance, so in fact I was told the wrong information and will suffer for it. Not only will I suffer, but now part of my focus is distracted from what really matters - which is becoming a XXXX - to self preservation.
I was checking my bank account to see if my check was posted on Monday, throughout the day it appeared that I had plenty of funds. The next day, I checked my account and the check was listed as posted the day before, and a XXXX dollar fee was assessed by Bank of America. I spoke to them via chat function and they stated that they let the check go through and assessed the fee. They would not refund the fee as they state that the check. was posted on the day before ( even though it did not appear on my online banking app )
XXXX XX/XX/XXXX second loan with this bank two separate loans. First was XXXX XXXX dollars purchase single XXXX home XXXX XXXX no land attached. XXXX XXXX XXXX notorized and requested my XXXX XXXX XXXX dollar loan with land as collateral for purchase of XXXX XXXX, location XXXX XXXX XXXX XXXX valley XXXX XXXX of XXXX XXXX. Deed recorded at Auditor 's office XXXX XXXX XXXX of XXXX. Washington Mutual Bank gave me XXXX XXXX XXXX dollars XXXX XXXX. XXXX XXXX XXXX passed XXXX land deeds to XXXX XXXX XXXX first was recorded in XXXX Wa XXXX of XXXX. Other XXXX XXXX XXXX stamped XXXX WA XXXX of XXXX. Public sewer did not come in too my property till the XXXX of XXXX XXXX. My XXXX mobile sat empty till XXXX of XXXX. JP Morgan Chase has been trying to bully me out of my land, I requested their research department to secure the land deed and Estimate acreage from their XXXX Wa Branch XXXX XXXX. They did nothing. First complaint to Attorney General XXXX XXXX public XXXX ref. Complaint XXXX of XXXX. Ref complaint of XXXX XXXX
I hope you can help me with settling the matter related to a continuing balance on our account for the XXXX charge cards referenced above. We 've have been trying to resolve this matter for more than six months but without any success. 

On XXXX XXXX, 2016 in excess of {$3000.00} was charged to our MasterCard ending in XXXX in a single day - actually - in a single afternoon. These were fraudulent charges made by an unknown user - they were not made by us, nor had we authorized anyone outside of our family to use our card. We only learned of these charges when over {$3000.00} in charges had been accumulated and when I received a phone call from Citibank asking for verification for a {$2400.00} purchase. The Citibank fraud investigator that I spoke with was very cordial and helpful. After I indicated that we did not make the {$2400.00} charge he indicated that we were likely the victim of a security breach. I then asked him for details on any other charges made that day and we worked through identifying several additional charges from that day 's activity that we did not make. He assured me that all of the charges would be removed immediately and a new card would be issued. 

Unfortunately, it was not until XXXX, 2016, after repeated phone calls and email messages, that all of the illegal charges were finally removed from our account. I am truly both exhausted and frustrated by the amount of time it has taken to resolve this matter. In fact, our family has not used the card to make a single purchase since XXXX XXXX, 2016. 
As I write this, there is a balance of {$270.00} about which I have made numerous phone calls to Citibank Customer Service. All toll since XXXX, 2016, I have easily spent more than 8 hours of my time desperately trying to get this matter resolved in a timely matter but to no avail.
My home mortgage is currently at Chase Bank and it is in good standing. I received a letter from Chase Bank the first week of XXXX 2016 offering to re-finance my loan at a lower rate, 3.125 %. The day after I received the letter I called the number listed in the letter to start the re-finance process to get the rate quoted and I was told that the letter was just a marketing letter and, assuming my credit was good, which I assured them it was, my rate would be 3.8 %. 

When I asked why I could not get the 3.125 % rate they told me that was the rate on XXXX/XXXX/16 ( which the letter stated ) and because it was a month later and rates had moved, the 3.125 % rate was no longer available. I believe this was purposely deceptive for XXXX reasons. 

First, I believe the letter was an offer to re-finance my home and not a " marketing letter '' as the bank has stated. I believe this because it was addressed to me specifically, it referenced my account number, it quoted my approximate loan balance and it quoted my current loan rate. Clearly, this letter was directed to me and it was specifically about my loan. 

Second, when I pressed to find out why I could not get the rate quoted in the letter I was told that I would have had to apply for the re-finance on XXXX XXXX, 2016 to qualify for that rate. Since I did not even get the letter until the first week of XXXX XXXX and I called the day after I got it ) I do n't think they had any intention of offering me that rate. They said further that since rates have moved since XXXX XXXX, 2016 it was no longer available. XXXX XXXX have moved but they did not move by XXXX basis points, the difference between what they quoted me when I called XXXX 3.8 % ) and what they told me I could get in the letter XXXX 3.125 % ) from XXXX XXXX, 2016 to the first week of XXXX, 2016. Further, although I was told that because I did not call on XXXX XXXX, 2016 I did not qualify for the rate quoted, I do not believe that Chase did any loans under the terms that were quoted to me in the letter, including the loans they did on XXXX XXXX, 2016, the date the letter said the 3.125 % rate applied. To support this point, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX banks are required to collect data about the loans that they make, so it should be readily verifiable from their XXXX log that nobody got the rate that was quoted in the letter. 

I believe the letter was purposely deceptive and they had no intention of offering me the rate that was quoted. They clearly sent me the letter after reviewing my file, putting my account number, approximate loan balance and my current rate in it. I did not receive the letter until more than 30 days after the rate was to have been available. In my opinion this is a clear case of a bait-and-switch selling tactic.
On XXXX/XXXX/XXXX both my son and I were contacted on our cell phones with a message left by Pro Collect, Inc. On the same day, we returned the call and were advised that they were collecting {$50.00} for an unpaid charge from XXXX XXXX in XXXX , SC ( an apartment complex where my son had lived and moved at the end of his lease on XXXX/XXXX/XXXX ). I explained to the Pro Collect representative that the charge was in dispute because the touch up paint work ( which is what the {$50.00} related to ) had not been done. Pro Collect would not note the file as in dispute on " refusal to pay '' and threatened a " hit '' and " ding '' on my credit report as well as my son 's if payment was not received by XXXX/XXXX/XXXX. This was only 3 days from the date of contact. Asked for something in writing - was told that would take 5-7 days but I still had to pay within the 3 days. Pro Collect would not fax nor email the requested written information. Pro Collect representative said " well we mailed a letter and must have been sent to a wrong address ''. But the representative could not verify to me what address the letter had purportedly been sent. I have been in touch with the apartment complex to sort this out, but so far have not been in receipt of any substantive information. Only been getting the run around here to. I have had to pay the {$50.00} plus {$7.00} collection fee via credit card today via Pro Collect website because of fear of credit reporting issues. I am appalled at the extortion that this company uses to collect funds. They refuse to work with you even when you are above board and NOT avoiding the calls or issue at hand. All I wanted is for Pro Collect to annotate the file as disputed to enable me to again follow up with the original credit for resolution of the issue.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Social Security : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Inquiries ) : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 
I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. 
Sincerely, XXXX XXXX XXXX
TransUnion and XXXX Credit Reporting Agencies are not reporting my current credit information to those that are requesting credit information from me, who I have allowed to gain such information to obtain a service from those requesting credit information. Also, I have sent by mail via certified receipt numerous of time to have my personal information change to current information and to correct and update all discrepancies in my credit report. 
Please, I would like my credit report from all credit report agencies to report current and accurate credit report about me. Please, advice. Thank you.
Our mortgage was sold to Freedom Mortgage and shortly after that we sold our home. The process of getting documents and receiving refunds has been horrible. I was charged a fee to obtain my payoff amount, which is probably standard but when we closed before our estimated date, the loan was overpaid by the few days of interest. Because we " OVER '' paid our mortgage they charged us a {$16.00} fee! Why would there be a fee for over payment? To make matters worse, it was a cash sale which funded immediately. From that funding and over payment, the principal balance was paid, interest was paid, and then the extra payment was thrown into escrow. After we received the notice that the transaction was fully funded from the closing company, I contacted Freedom Mortgage to ask about the release of our escrow account and was told it would be almost a month before they would release it. The reason, to ensure funding went through and all fees and interest were collected. I was online looking at my account at the same time as I was talking to the representative and it showed " Paid in Full. '' I mentioned this to the rep and was told there would still be fees to adjust. My complaint is how do you charge a fee for over payment and then not release my money that I have paid in even after the loan was paid in full?! It is a scam to earn interest for as long as they can and get " fees '' any way possible. I would NEVER recommend Freedom Mortgage to anyone and have been very verbal about my situation.
This was a few years ago, I tried to correct the problem. I have never in my XXXXyearsbeen or lived in the state of Virginia. I am sure it's a beautiful state. Nevertheless, Never, ever, ever been there. What do I have to do to fix? No one would listen to before.
I was a victim of identity theft and over the past 2 years have been trying to get my credit back to being mine and not that of the person who stole it. I have over the past 2+ years submitted a police report to the credit agencies and those account holders only to have things still showing on my credit report that do not belong to me. I have been victimized for far too long and I do n't feel it is fair for me to have to pay an Attorney when I have done everything I can to get those items that are not mine off of my report. This has terribly affected my credit and I have lost so much and been inconvenienced so much because of this and I am tired of begging to have my life and credit back.
I was victim of identity fraud/theft. Someone opened up a XXXX credit card in my name. I contacted Transunion in XX/XX/XXXX, submit all the paperwork, contacted XXXX XXXX and submit all the paperwork with. It was confirmed to be fraud and was supposed to be removed from my account. 90 day fraud alert fell off my account, we were in the middle of moving across country/XXXX XXXX XXXX military/ needing to have credit checked to get a new apartment. 
Just found out my identity was stolen again to purchase something from XXXX so I contacted the Credit unions to put a freeze on my accounts. In doing so, I received a report from Transunion showing my credit report. It is still listing XXXX on my account - and this is about 6 months after the confirmed fraud. I attempted to call to dispute as I was not able to do it online and the person I spoke with was not only a bit difficult to understand and rude, I was not sure my problem was resolved after the call. 

Please help victims of identity theft. These agencies are just terrible to work with and we 're helpless!