WillisBack/dataset-financial-user-claim huggingface dataset:
I was notified by Chase XXXX Fraud Department that my XXXX XXXX Credit Card had a questionable charge around {$9000.00} at a XXXX XXXX XXXX location somewhere in Georgia. I verified that this was a fraudulent transaction and both my wife and I were in possession of our cards. 

Chase asked me if I received the new card I recently requested and I told them I had not requested a card. They told me someone requested a card in my name to be shipped to my home and it was delivered. I work from home and my office is adjacent to the front door and XXXX had not delivered a card. I asked them how someone could request a card and they told me the person provided my security answer. I told them that my security answer was not written down and only applied to this account. I then changed my security answer and they cancelled both the old card and the new one they issued only in my name. They sent my wife and I new cards, which we validated upon receipt. 

I then asked the Fraud Department how anyone could have obtained my security answer and the supervisor told my they had not asked for my security answer as the phone number showing on their end was my home phone. My wife and I were home when Chase received the request for a card under my name and we live alone. We did not call to request a card. Chase has changed their story several times regarding the procedure for issuing a new card without verifying who they were speaking to. It is my opinion that someone in their Fraud Department is scamming customer accounts. They told me that this was impossible and I then asked how they issued a card to me that I did not request without verifying who I was and how they delivered it when I was home all day and no one came to the door. 

I requested someone in the executive department contact me and have had no response. I work as a XXXX  to the XXXX XXXX in XXXX and my wife is a XXXX XXXX. I am home unless I am on the road for business.
There are XXXX unknown accounts reporting and I need help because Equifax does not respond. There is an account ith Syncb/CCDS XXXX and Syncb/DISC XXXX. These are accounts that I am unfamiliar with and Equifax wo n't send me information showing me true validation.
I am a victim of a phishing scam. I opened account with a Wellsfargo Bank on XXXX/XXXX/2016 my account # is XXXX. I am a victim of a phishing scam. Someone with the name " XXXX XXXX Wellsfargo # account XXXX, pretend to be a loan company arrange a personal loan for me, and ask me to deposit {$5000.00} in closing cost. I opened the account on XXXX/XXXX/2016, wrote a checking to this phisher. This personal cashed out XXXX USD immediately. They should not be able to cash out on the same day. I contacted Wellsfargo immediately on Monday to ask them to help retrieve my stolen funds. They did not help. They denied my claim. I understand that I was stupid to be a victim of a phishing scam, when I deposited the check in my Wellsfargo account on the same day, there was no signature on file to verify the check. New account screening should have restrict the transaction to protect me as an account holder. When I opened the claim, they did not help. They fail all the way from start to finish. My wife ended up divorcing me, and I lost my child in a child custody because of irresponsibility of Wellsfargo who I trusted. The person that scammed me still banking with Wellsfargo and continue to look for more victims. No one assist me from Wellsfargo. Not only I lost my money, lost my wife, my kid, and I lost my faith in banking system. Wellsfargo bank, New account Screening, Fraud Department fails me as a client. They were not acting as my fiduciary, but a criminal accomplice continuing helping criminals preying on innocent victims. When my lawyer and I got in touch with the XXXX XXXX District Attorney which the phisher is an employee XXXX at XXXX, she decided to take my case and prosecute this criminal XXXX XXXX who works for the XXXX DA office. I asked Wellsfargo to send only the check that I wrote as evidence to the DA office, they send the claim affidavit which I was assisted in filling out at Wellsfargo. Because it was filled out incorrectly, at the last minute where the DA office was about to prosecute they drop my case due some terrible paperwork that Wellsfargo send to them. Losing XXXX in the moment when I need money the most to save my family my XXXX year old child was important to me, however, more important to me is that this criminal XXXX XXXX still got account with Wellsfargo, still look for people to prey and harm. Please help me with this. My contact number is XXXX. I decided to voice my concern here because of what 's going on with Wellsfargo Bank lately with their fake accounts, their culture of lack of oversight in protecting our country consumers.
I never opened this account. I don't know what it is. It appears to be a charge card. If it is it was opened fraudulently in my name. If they have my social security number I do not know how they got it. They are listed on my credit report in two different accounts with the same balance. It seems very odd. It says it is an online marketing company and that I owe {$710.00}. It says it was opened in XX/XX/2015. I've never purchased or received merchandise from this company. This must be a fraudulent account. I would like the company to either prove it was me that opened this charge account or please have it removed from my credit report. As it is negatively affecting my credit.
Today @ XXXX I received ANOTHER robocall from " National Student Loan debt Forgiveness Program '' @ # ( XXXX ) XXXX. I have repeatedly pushed the correct # 9 to be removed from their list & also spoke with their Customer Service representative asking the same. I have repeatedly told them I Graduated in XX/XX/XXXX & Loan was PAID IN FULL in XX/XX/XXXX.  I always block the number in my phone & delete it. The company changes the number & calls again, this has been going on several months, sometimes receiving 3-5 calls a day. The last time I spoke with CS I told them 1 more call & I would report them. They are very RUDE & HANG UP ON YOU. this morning was that NEXT CALL!
I have never had an account with Portfolio Recovery Associates , Inc . 

2 ) Portfolio Recovery Associates XXXX Inc. and I have never entered into any type of written agreement. 

3 ) Portfolio Recovery Associates, Inc. has never presented me with any goods or services. 

4 ) The account referenced by Portfolio Recovery Associates XXXX Inc. is long past my State statutes. ( If this applies ). 

5 ) I have never done business with Portfolio Recovery Associates , Inc .
I was XXXX years old when I applied for this loan, I was under the impression that this was the best loan for me because I was unable to qualify for federal student loans. 

Once I started repaying my loan my repayment amount was about {$650.00} a month. I was unaware the payments would be so high because I was never told what the monthly repayments would be. 

Due to financial hardships I spoke to the lender, XXXX XXXX, and was advised that my only options to repay the loan were to 1 ) defer the loan 2 ) declare bankruptcy I had to defer the loan 4 additional times because the payment amount kept rising. I spoke to XXXX XXXX on repayment options and they advised me that my only option was to declare bankruptcy. 

Due to the lack of repayment options from XXXX XXXX, the loan is now 3 months overdue and I am in a worse financial situation then I was when I graduated school.
Did n't work for a week now I ca n't borrow from XXXX XXXX until my bank sends some information to the lender.
Completed refinance with I Mortgage Company from previous lender XXXX XXXX. Loan closed early XXXX. My first payment due date was XXXX/XXXX/2016. I 've made both XXXX and XXXX payments and have statements from IMortgage as both cleared with my bank ( XXXX/XXXX/16 ) and XXXX/XXXX/2016. Receiving notices and threatening phone calls from IMortgage that they have n't received payments. I have spoken with them twice and they state it takes up to 60 days for " their system to update ''?? Just received another statement from them asking me to pay for XXXX and XXXX as well as upcoming XXXX payment. Again both payments have been made and I have Loan Statements from IMortgage. They requested and I sent to their Research department information with supporting documents.
My information was leaked in the Equifax hack. There has been no effect on my credit yet, but the very fact that the information is out there is frightening.
XXXX was the previous company that serviced my mortgage. In XXXX of 2017 the mortgage was transferred to Nationstar/ Mr. Cooper Mortgage , not sure why. With XXXX I had an optionally life insurance policy through XXXX  XXXX. XXXX had always paid that policy through escrow. I almost lost that policy because Mr. Cooper did not pay the policy premium and after finding out I called Mr. Cooper and the short story of the battle since XX/XX/ 2017 Mr.  Cooper said they only escrow taxes and home owners policies. I have bought two homes and had many different mortgage companies because loans get transferred, bought and sold and Mr. Cooper is the only company that has refused to escrow optional life insurance policies. How can a load be transferred to another loan company that doesn't offer the same services? Can Mr. Cooper be made to escrow this policy?
XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.
Diversified Consultants , Inc via XXXX. Amount {$290.00} This Debt of {$850.00} was settled on XXXX XXXX, XXXX in the amount of {$550.00} PAID IN FULL per ( XXXX ), Supervisor for Diversified Consultants , Inc XXXX and that the account was closed. 

I received a bill of {$290.00} with an account opened by XXXX XXXX XXXX on XXXX XXXX, XXXX which I did not authorize and is now showing on my credit report. I have made XXXX XXXX } phone calls back and forth to XXXX XXXX XXXX and Diversified telling me that this account was settled on XXXX XXXX, XXXX. The last call happening on XXXX from Diversified XXXX XXXX XXXX XXXX stating that an email would be sent from XXXX XXXX XXXX supervisor to my address on Monday XXXX confirming settlement. I never received this email. 

I have documentation that supports my account was settled/paid in full via XXXX XXXX XXXX on XXXX.
When applying for a XXXX account online on XXXX XXXX I was given the option to fax in a form to use a credit card or debit card for funding. I called on XXXX XXXX to see if I could speed up the process and complete the funding by credit card over the phone but was told they would no longer accept that type of funding per corporate communication that very day. I asked if any of the faxed forms would be processed if it was already received and I was told it would not. 
XXXX, a supervisor, gave me a call back on XXXX XXXX to explain that they could no longer accept this type of funding. Because I was given the option upon completing my account registration online, I believed that I should still be given the option to fund by credit card unless there was something stated in the terms and condition that the option could be taken away at any time without notice. XXXX could not verify that there was any such language in the terms and conditions to that effect. 
I think anyone who signed up for an account prior to this new exclusion to funding sources should be allowed to complete funding under the previous rules unless it was otherwise stated in writing prior to signing up for the account that the option could be removed at any time.
This is a charged off debt - I am homeless and go online at the library, see this debt collector is reporting this old charged off debt on my credit still homeless with XXXX child, this debt collector keeps sending letters to a place I do not live - please advise if this is not fraud?
Awhile back I kept getting my phone plan ran up past my limit by this company trying to collect a 12 year old cc debit. I called them and told them I would not verify my address not to call anymore. I told them that the bill has been wrote off and that by law they can no longer bother me about it. He hung up on me, then they persisted again calling from all kinds of XXXX numbers threatening to sue me and so forth. I had my phone changed and then they began calling my mothers number who is also on the do not call list. My mother is XXXX I did my part by calling them but they hung up on me so I am done with it. 

I had to change my cell number now they are calling the new number. I want this stopped I have registered every phone possible. The number they want me to call is XXXX I would give you all of their numbers but they are all XXXX XXXX XXXX message only numbers. They do this so you have to call them. I did now i am done and want them to stop. I believe it is capital one DO NOT GIVE THESE PEOPLE MY ADDRESS THATS WHAT THEY ARE DIGGING FOR. AFTER TRYING TO SPEAK TO THEM AND BEING HUNG UP ON THEY CAN FORGET ANY MORE CORRESPONDENCE FROM ME.
I have had a Bill Me Later ( BML ) credit account for several years and have had no trouble navigating their website to make my payments. BML was taken over by PayPal ( P-P ) within the last year. When I would make a payment after P-P took it over, I would go to the BML website and be redirected to the P-P payment page. Over the last two months I would try to get to the P-P website but I could not get to the correct place to manage my account, check my balance or make a payment, so I would have to go through BML website and would then be re-directed to the P-P website. I found if difficult to navigate the website to find where to get my balance or make a payment. The last time I was able to, this is what I saw. 
PayPal Balance {$0.00} ( available ) Pay Pal Credit {$530.00} ( available credit ) Seeing this, I would think that I had a 0.00 balance due on my account. 
( underneath this line, in a font size XXXX times smaller than the previous lines was : {$120.00} balance due ( which I did n't see until the P-P representative helped me get there ) Today I received a telephone call from a P-P representative telling me that I had not made a payment in two months. I immediately went to the web page, which required the help of the representative to tell me how to get where I needed to in order to find my balance and make a payment. When I got to the page I told her that it said {$0.00} balance. ( which is why I had not made a payment ) She then instructed me further to find the correct place on the website where I would find the correct location of the account balance and make a payment. I take complete responsibility for any original balance that I owe. I attempted to explain that the website was not easy to navigate, especially having never used P-P before this, and that I asked them to waive the late fees, which at this point were {$95.00}. ( the account balance after my last payment in XXXX 2015 was under {$10.00} ) I asked them to check my payment history to see that I had been making regular payments, they refused. After speaking to XXXX different representatives and a supervisor they refused to waive all of the late fees and wanted payment of {$120.00}. I attempted again to negotiate with them but they would not waive the total late fees of {$95.00} I have not had a late payment or not made a payment on that account while it was with P-P to that point. 
I have told them that I will pay the original balance I owe and wanted to close the account. They refused both. I had not heard from anyone at P-P prior to today ( XX/XX/2015 ).
In XX/XX/XXXXI took out a home loan with XXXX XXXX DBA XXXX. They filed Chapter XXXX Bankruptcy in XXXX. Recently I have received the attached letter from XXXX XXXX  XXXX XXXX XXXX operates as a subsidiary of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX. United States. Tel. XXXX acting as TRUSTEE for the LSF9 MASTER PARTICIPATION TRUST, and serviced by CALIBER HOME LOANS. We have contacted XXXX XXXX XXXX directly and they claim that XXXX MASTER PARTICIPATION TRUST does not own any mortgages and does not have any assets? We attach a letter from our Attorney requesting all the documentation regarding this matter and have still not received the reply to the attached Qualified Written Request ( QWR ). We understand that there is a case of fraud active in the Texas Federal Court, Case number : 1:17-CV-297 against them and would like for the Consumer Financial Protection Bureau ( CFPB ) to investigate this further.
I received an itemized list of charges from National Credit Systems on XXXX XXXX, 2017 that XXXX sent to them. I have great concern about a balance they are reporting that I owe. Upon adding the amounts listed for each item. {$570.00} Balance at home {$60.00} Carpet Shampoo {$50.00} Clean Appliances {$50.00} Didnt return Apartment Key {$75.00} Didnt return Gate Remote {$25.00} Didnt return mailbox Key {$10.00} Didnt return parking tag {$50.00} Didnt return walk thru gate key. {$740.00} Lee Termination fee I came to a grand total of {$1000.00} however they are reporting that I owe {$3300.00} for these items. I have searched for an explanation from many sources to no avail. Im afraid that XXXX and National Credit Systems is trying to collect a balance I do not owe and, as a result, are reporting this erroneous balance to all XXXX major credit bureaus which has caused me to suffer financially. I have asked the orginal creditor multiple times for someone to please provide an explanation of these charges and have yet to get an answer.
i have reached out to the orginal creditor on several occassions verbally and via email.
Seterus Inc called my cell phone at XXXX on XX/XX/2015, while I admit I am late this month since I paid a large questionable audit from an IRS agent named XXXX XXXX, there is no reason to harass me this early in the morning when I have not been late for years on my mortgage. In additional Seterus a cease and desist order in teh past as I fought about this type of stuff years ago.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDENCE RESOURCE MGMT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
I 'm a long time highly qualified XXXX customer I came from XXXX and in the last month chose to participate in an application for a credit card at a local branch here in XXXX with a XXXX XXXX XXXX. 
I was informed that I was declined for the credit card despite my XXXX credit score and very healthy balance at your bank that made little sense. I was told to await a response for the decline and explanation and I did as instructed as the explanation for the decline was vague- I did n't honor a commitment as agreed upon in the last XXXX years so I had been working w the branch assistant mgr XXXX XXXX who informed me of a loan modification or short sale purchase a negative inquiry on my credit report pulled by XXXX. I actually called all beureaus knowing that was a mistake and I have a copy of each of my XXXX page credit reports on hand and documented conversations with the bureaus informing them of XXXX decision to decline me for a credit card where I had them cross reference my reports in case I was illiterate as there was nothing of the sort to indicate any commitment I 've ever made and not paid, nor any modification but further no documented negative record from XXXX nor equifax all of which I have on record. I 've called XXXX XXXX customer service who insist that 's not what they see, the bureaus do n't lie and I find this to be highly offensive but still I have patiently worked w XXXX XXXX whose instructed me that he 's escalated the manner as theirs XXXX evidence to support the contentions behind the decision to decline my credit.. Both bureaus have instructed me to have this investigated and that is now what I fully intend on doing as I 've given ample opportunity for XXXX imaginary bureau with such contentions to resolve that error but instead I 'm further ignored burdened with coming into the branch w my documents of proof. I have mine and the burden is on XXXX now as I 'll make it a personal mission to proceed with the mishandling and continued disregard of error and lack of ownership and report this to any and all governing institutions to create awareness.. Again I have both my discussions w the bureau and ur staff member on record.. 

FYI- complaints and investigations forthcoming at this point just for starters.
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX  paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.
We send our our mortgage payment plus an extra {$500.00} every month ever since we have had our loan with Ditech. They have miss applied our payments for a couple of years now. They have called us making threats that our mortgage is not being paid they keep adding it to a funds in suspense account. They keep charging us a late fee. Our mortgage balance keeps going up instead of down even though we are paying an additional {$500.00} that needs to be applied to the principal. We have made several calls and nothing is resolved. They keep telling us that a supervisor will call us back or that the department that fixes the mistakes will call us back and nothing. 

We need to get this fixed immediately. We have proof that our bank has been sending our payments every single month on time. Sometimes they take up to 2 weeks to apply our payment after they receive it. 

Please help we have no idea what else to do.
I have filed a dispute with XXXX, Transunion, & XXXX   about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.