WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from us bank stating that they closed my account due to the fact that it was overdrawn. On several attempts my cards never came to my home. I called and called several times to inform thia of this. When I noticed my account was overdrawn a rep contacted me and I informed the rep that my account had been compromised. I also informed him that I contacted the fraud department twice never received any paperwork or anything. On several attempts I had issued to me several temporary cards due to the fact that they sent out my card and then I never received it. Informed the company that my mail box was located on the street and can easily be broken into to. I am upset on the fact that I am XXXX XXXX with XXXX and that this company has treated me this way.
A transaction on my Synchrony account was made on XXXX XXXX in the amount of {$1000.00} at XXXX XXXX XXXX XXXX, NY XXXX. The items purchased were scheduled to be delivered within 2 weeks as stated by XXXX an employee for the furniture company. I patiently waited 1 month for delivery. I placed many calls between the bank, merchant and delivery department. After making several calls, I was notified that some items were not available due to recall as stated by one of the Merchant 's employee ( XXXX ). I was asked if I would like to look at anything else and I replied no thank you! XXXX called over to the main office in XXXX, NY to express I was not interested in anything else. XXXX proceeded to issue out a refund. I notified Synchrony bank about the issue at hand. They conducted there own investigation and found favor for the merchant. However, I have a debt with nothing to show for it. I did not receive any of the items. And I did n't get a refund that was also promised.
This company has called friends of mine, referrals that I placed on prior application loans and told him he 's an attorney ( although he 's not ... when I spoke with the rep he said he 's with XXXX XXXX 's law office ). They 've discussed my debt with other people, they call other people ( friends and family of mine ) on their cell phones and scare them telling them they 're an attorney and that I must call them. They call me several times a day, they 're making false statements, bothering my friends and family. I have never gotten anything from them in writing. I asked them to stop calling me that I 've disputed this debt on my credit report and they said I have to send them something in writing. I 'm about to send them a certified letter in the mail.These people are thugs and no attorney in California who is still practicing should put his name along with these types of blatant tactics that are obviously against the law. They do this to helpless people and think they can get away with it by quoting this man 's name XXXX XXXX XXXX of XXXX XXXX XXXX. and he knows their tacts. I 've read hundreds of reviews from other people regarding him and his obvious and I ca n't believe they 're still in existence and that they can continue to treat people like this. I hope that this organization can do something about this. They threaten legal action saying they 're going to summon me and take me to court on a loan amount that I have no idea {$18000.00} when the original loan was {$5000.00} and half of it which I paid off to them.
Called jp morgan chase to file a dispute regarding an unauthorized transaction and after review they explained they couldn't refund me sue to my card being in my position i explained that this purchase is unauthorized and i don't know who this vendor is. 

vendors :XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX IL XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$150.00} XXXX XXXX XXXX   XXXX IL XX/XX/XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX IL {$440.00} XXXX XXXX # 1487 XXXX XXXX IL dipute date
I called Navient on XXXX XXXX, 2015 around XXXX in order to discuss a possible payment plan for my private loans. A woman whose name was XXXX ( Employee # : XXXX ) agreed to assist me. During my call, I endured some of the worst customer service ever. XXXX was extremely rude to me, and she said if I was unhappy with her customer service skills, then " what I can do ... is pay these x amount of dollars so that I would n't even have to speak to her. '' Her tone was incredibly unprofessional, and while we were on the phone, I could hear her coworkers laughing in the background after every response. I know calls are typically monitored and recorded for quality assurance, but with her very nasty attitude, I fear she may have turned off the recorder before all of her rude comments/remarks ensued. When I addressed her unprofessionalism, she snidely asks " have you even worked in customer service? '' and I say " No, I have n't ; however, I have dealt with several customer service representatives, and I can assure you I was treated a lot better than you are treating me right now. '' Her response was that " if I did n't like the way I was speaking to her, then I could just give her a XXXX score in her customer service survey '' and that next time I call someone who is trying to " help me, '' then I need to make sure that I am " in a better mood. '' She spoke over me for much of the phone call and ultimately hung up on me after she spoke her peace. Never in my life have I been treated this way on a professional phone call.
We started having problems making our payments and 2 months into our ordeal we were contacted by a representative of " XXXX XXXX '' who we paid {$700.00} to help us modify what they said would be an easy modification, we gave them 2 payments of {$350.00} and We were told to wait for them to contact us BUT that never happened. We tried endlessly to contact the representative who tool our paperwork and money BUT after several months we just got a disconnected number. We were talking to a friend of my son who is in Real Estate who told us that our bank XXXX XXXX  should have reached out to us to give us options BUT we never got contacted regarding those options, we just thought we would wait until the sheriff would kick us out once the bank took our home.Since learning that we had options my wife tried contacting XXXX XXXX at XXXX BUT NEVER got a call back. We have also called him to request a postponement of the sale of our home due to what we believe to be an unlawful foreclosure BUT again we are yet to hear back from the representative in charge of our case. Facing the pending Foreclosure on XX/XX/XXXX is putting a tremendous strain in our family so we are praying and hoping that your institution can help.
Portfolio Recovery Associates purchased my debt from XXXX XXXX in the amount of {$300.00}. The amount that Portfolio Recovery Associates is charging me is {$450.00}. PRA and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with PRA they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.
I filed a complaint already back in XXXX saying that Sallie Mae would not work with me about lowering my monthly payment. They called me during work and when I was off work they were gone for the day. And they said they would send me a letter and I never got one. They closed my case saying that it was resolved when it was not. My loan monthly payment is more than I can afford. I have to get health care and dental care and I wont be able to afford it as my payments continue to sky rocket! I now have to choose between food or gas. Because I have to save up money for my loans I have XXXX dollars to my name to last me for two weeks until I get paid and I have to save that pay check to pay for Sallie Mae and other bills
I took out private student loans from XXXX XXXX when I attended college between XX/XX/XXXX-XX/XX/XXXX. I had 4 loans from them, which they had separated into two groups. I have been paying the two groups separately assuming each payment would be applied to the " loan group '' I was making the payment for. <P/>Long story short, I was paying over the amount due to each group, assuming the overpayment would applied appropriately to each group. I have recently discovered that was not the case, they were combining the payments and not applying them the way I believed they would be applied. Example I owed {$200.00} on group a, and paid {$230.00} to loan group a, I owed {$250.00} on group b, and paid {$270.00}. In all they combined the payments to total {$500.00}, and applied only the owed amount ( some cases slightly over ) to group a, and the rest to group b. <P/>My question here is : Can they combine, what I believed to be, 2 separate payments and apply it as they deem fit? I have been paying these loans back since XX/XX/XXXX and have barely made a dent in two of them, one is paid off and another is about to go over the original term agreement for repayment, which I believed would not be an issue because I had been paying over the amount owed each month.
Express Recovery Services  is attempting to collect account that I had record had already been paid. Also, a request for validation of this account was sent on   XX/XX/XXXX    , after talking to the original creditor, and  Express Recovery Services  has failed to respond. They are reporting an amount owed of {$100.00}, which I do n't believe I actually still owed as this was paid to  XXXX   XXXX . Since they do n't respond to validation requests, I have been unable to verify this account or amount owed.
My car was illegally repossessed by this company. I never received in documentation that I was in danger of car being removed. Once it was removed, company failed to send me and proof of accounting and documentation on how I could pay and get my car. I called and sent letters to get info for car ... NO RESPONSE. I have contacted a lawyer and was informed there was supposed to be documentation sent to me in accordance with repo. I only received a settlement later months after the car was taken. I have also referred this to a FDCPA attorney to file a motion.
I sent certified letter to Account Control Bureau, which they received on XX/XX/2017. I have tried and tried to collect data from this company with no response. I requested validation of this account, bearing my signature. It has passed their 30 day mark, I then sent them a second letter, and again, I have gotten no response from them. They also did NOT mark my credit report disputed.
Approximately twice a month, Capital One mails credit card solicitations to my father at my mailing address. My father XXXX XXXX four years ago ( in XXXX  ) and never used the mailing address that Capital One is sending its junk mail to. 

After my father XXXX XXXX, I sent copies, via certified mail, of his XXXX XXXX to the three credit reporting agencies.
After Citi refused to honor my divorce decree and a quit claim deed by ( resetting ) my loan for the remaining years .Citi instructed me to refinance the loan While they figure out what 's going on. Citi went as far as to falsely put on my credit report that I was delinquent five months which prevented other lenders, from refinancing my home. The document that the court provided does not state that I followed the instructions of the lender and submitted the document for refinancing within the time line, several time I called the underwriter and finally he stated that my paperwork was in his drawer for 60 days and he was not doing anything with it he said it should have be foreclosed on a long time ago. Keep in mind that the 7 years that I had the balloon payment, I was never late and I continued to make payments a year after the note should have been reset. I saw in there consolidation report the question was asked ( has the contested title been resolved ) Why is it contested I am the first and only title owner. Is this the reason they want me to do a modification instead of the ( reset ) when I sign the note .Does this allow them to break the law. See XXXX and supporting documentation that the courts would not allow because of the summary judgment. What are my rights as a consumer, I followed all the instructions of Citi representative who instructed me on what to do.
i have a credit of XXXX dollars with american express credit card # XXXX but american express refuses to return this money to me. 
i urgently ask you to interfere on my behalf so that i can get back the money that belongs to me. 
thank you XXXX XXXX
this account was already removed from m crerdit report and Trans Union put it back on my report this accout was remove because it was a result of identity theft
CONVERGENT OUTSOURCING AGENCY PLACED A COLLECTION ON MY XXXX AND XXXX REPORT REGARDING A XXXX ACCOUNT ON XX/XX/XXXX. THEY PLACED THIS ON THE CREDIT REPORT ON OR AROUND XX/XX/XXXX. MY SCORE ONCE AGAIN HAS BEEN LOWERED. I SPOKE TO THIS COLLECTION AGENCY AND FOUND OUT THAT THEY DID NOT HAVE ANYTHING IN THEIR SYSTEM. THEN AFTER A BIT ON THE PHONE THEY SAID XXXX RECALLED THIS ISSUE ON XX/XX/XXXX. THE COLLECTION AGENCY PROCEEDED TO PLACE THIS ON MY CREDIT ANYWAY. I CONTACTED XXXX IN PENNSYLVANIA REGARDING THIS ISSUE AND THE AGENT STATED THAT THERE WAS NO NEGATIVE ACCOUNTS IN THE SYSTEM ON ME. THIS IS GETTING A LITTLE OUT OF HAND WITH THESE COLLECTION AGENCIES. THIS COMPANY HAD A ACCOUNT ON FILE WITH XXXX THAT I TOOK CARE OF PRIOR TO BEING PLACED ON MY CREDIT. i STILL HAVE N'T RECEIVED MY CLOSED ACCOUNT LETTER. IM ALSO NERVOUS THAT THIS AGENCY WILL TRY SOMETHING IN THE FUTURE WITH MY REPORT REGARDING THIS ACCOUNT. I ALSO FILED A DISPUTE WITH THE CREDIT BUREAUS AS WELL. i WAS IN THE PROCESS OF BUYING A HOUSE AND THIS WAS NOT A GOOD THING FOR ME.
The company is Messerli and Kramer, a debt collector. They took over the account I had with XXXX -- that was sent to XXXX XXXX. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to Messerli/Kramer. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union . According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.
To whom it might concern, My name is XXXX XXXX, I am XXXX year old, I am discharged from BK chapter XXXX in XX/XX/XXXX. My loan number with Nationstar is XXXX XXXX XXXX. XX/XX/XXXX released from hospital, I received XXXX non-certify mails of Nationstar that XXXX referred to XXXX, a foreclosure corporation to foreclosed my home. I am not certain what stage of foreclosure I am at but I determine to keep my only home. I am devastated. I made a payment of around {$2200.00} on or about XX/XX/XXXX. Nationstar rep said after paying the {$2200.00}, it would take my home out of foreclosure zone, and that they would not pursue foreclosure proceeding, and this letter was written in XX/XX/XXXX. I have fulfilled my obligation in the financial hardship. I request all my history payments, all fees added on to loan, and promissory note to be deliver to my home. I had foreclosure rescue fraud before with some modification company and had to file BK chapter XXXX to save my only home. I have before request the principle to be recalculate because the amount does not equivalent to my number. I thorough review the fees and Nationstar tend to add on misc fees and penalties and that I feel only make my loan higher in Principle, I am not well at all time as I am older, my children 's and my own retirement income is helping me paying all expenses. At this time, I wish to seek principle reduction with a fixed interest. I am requesting a minimum USD I can pay to bring my loan current. I feel I am in trap of miscellaneous fees that add up to XXXX and XXXX of dollars, over time, add up. I need to keep my home and not worry about strange fees add to my loan. I would like to know what 's my minimum amount to bring my loan current. I request principle reduction. I am looking into all foreclosure prevention options. Thank you and looking forward to hear from you soon. 

XXXX, CA XXXX ( XXXX ) XXXX XXXX, or ( XXXX ) XXXX XXXX
On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.
In XXXX XXXX following the security breach with Equifax I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
XX/XX/XXXX I was informed by Navient that my student loan was not eligible for reduced repayment options without refinancing. I refinanced and applied for a income driven repayment plan. I was informed that my account would remain in forbearance until XXXX so that the IDR plan could be processed. 
My first IDR request from XX/XX/XXXX was not processed by navient. 
I applied a second time. On XX/XX/XXXX i was informed that i was in repayment and had a payment due XX/XX/XXXX, 13 days later, with a repayment amount outside my ability to pay. 

i called again, and was told that my payment would be moved to XX/XX/XXXX and to reapply for an IDR plan. 
i reapplied, however, my payment forbearance request was not processed and i was stiill shown as past due for XX/XX/XXXX. 
ive just called Navent 3 times, and been disconnnected 2. According to Navient, the agent who took my call the last week of XXXX did not process any of my requests. 

Its very hard to resolve when the agents at Navient do not process requests. its very hard to resolve repayment issues when the information that agents provide is not reflected in the online activity.
My checking account with JP Morgan Chase was in the negative because of XXXX fees in two days. Also I was charged fees the week before and I always have a direct deposit. I attached my statement to show how many fees they charged. XX/XX/XXXX, XXXX fee, XX/XX/XXXX, XXXX fees, XX/XX/XXXX, XXXX fees, and XX/XX/XXXX, XXXX fees. I think this is excessive and I want my money back. It adds up to {$300.00} and I am on a budget, I can not pay that, they will not help me and they were rude on the phone. This has happened to me last year also and I did not get any help then either. I am trying to do the right thing but I can not catch up with them. I had to borrow money to pay them.
I tried to contact Equifax to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any credit or any person or entity to be able to check my credit report or credit score. Equifax did n't respond to me. Please lock and place a freeze on my credit report and credit score.
Someone stole my check and wrote a check to herself for the amount of {$5500.00} and signed the check herself forging my signature. The signature did not even look like my signature. Union Bank ( XXXX XXXX in XXXX XXXX, address is : XXXX XXXX XXXX, XXXX XXXX, CA ) did not verify my signature and cashed the check. They should have verified my signature specially for this large amount. Union Bank made a big mistake. And now they are not giving me back my money. I talked to the branch manager, XXXX XXXX XXXX regarding giving me back the money back. I had another similar situation before. XXXX XXXX gave me back the money but he also forced me to sign a form that if there is any more trouble with Union Bank will not be responsible. He did not explain to me what I was signing. And this time, he does not care about me losing money. He does not care that Union Bank made this mistake. 
I feel that I am a victim again. Not only by the person who stole my check, but also a victim by Union bank. 
I reported this to the police. Case number is XXXX. Copy of the police report is attached. 
My English is not very good, please contact my realtor, XXXX on behalf of XXXX XXXX email XXXX and cell phone ( XXXX ) XXXX and address XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
I initiated a dispute on XXXX/2016 due to erroneous fraudulent information being reported on my credit bureau report, and I have a 7 year fraud alert with a police report filed. 
Also I recently filed a bankruptcy and there were a lot of accounts that was suppose to be included in that bankruptcy on my credit report that was not, and was reporting adverse action negatively as if I never filed a bankruptcy. XXXX, and XXXX had taken care of the erroneous fraudulent situation the first tI 'm I noticed and disputed the accounts, however equifax have not resolved the issues!
Experian ... this agency had 2 extra social security numbers that were not mine. They had my birth year wrong.they had 12 different/incorrect spellings of my name and many derrogatories that did not belong to me. They have my address associated as a business Ive never heard of. 
I placed a fraud alert to my file and began disputing the above. To my knowledge the above mentioned has been corrected. 
My complaint today is that in the dispute processes, Experian deleted ALL of my positive reporting histories. XXXX XXXX loans on my high credit truck note pd off XX/XX/2014, and XXXX positive reportings from XXXX. They literally wiped out all of my credit and I dont even rate a score. 
The bank that originally reported no longer reports to Experian. 
I think, in all fairness to me ... because they deleted these accounts unwarranted, that they should put them back on. My score is XXXX because of these deletions, I cant even quqlify for a credit card to build credit..I was even turned down a secured credit card. I have tried to handle this through Experian but they refuse to repair this mistake solely made by them for me to suffer. 
Im sending pictures of the accounts deleted ... and a letter with copy of my high credit reportings from the bank which they only report to XXXX now..so they say.