WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 I traveled from XXXX ( where we live ) to XXXX, XXXX. I remained in XXXX until XX/XX/2016 ( with a day trip to XXXX on XX/XX/2016 ) and flew back to XXXX that day. My husband called to tell me he had a text from Chase bank telling us the account was overdrawn. He called Chase to report this. I also had to call also because my name was on the debit card. We were told we would have a resolution in 45 days. There were XXXX disputed, fraudulent transactions, XXXX in XXXX and XXXX in XXXX, for a total of {$3000.00}. Once I arrived home on XX/XX/XXXX we completed the required paperwork and returned it to Chase. 
XX/XX/XXXX we received a letter from Chase stating their investigation of the matter was complete and the temporary credit they had placed in our account was being reversed for a total of {$2900.00}. I called the customer service number and spoke to a representative who essentially told me that even though he believed that I did not make those charges, we are still responsible for the charges. He said he understood that technology is used by thieves to create new debit cards which need to be swiped to make a purchase, but the technology " does not exist '' to replicate a debit card with a chip. The " purchases made with the chip reader '' were our responsibility. 
The XXXX transactions that were 'allowed ' by Chase were both from XXXX . 
I closed our Chase accounts on XX/XX/2016, as we no longer trusted Chase to keep our money safe. 
Today ( XX/XX/2016 ) we received a letter from Chase stating " there is a {$2900.00} balance due on your Chase acct ending in XXXX ''. 
I have never been in XXXX. I did not travel to XXXX do any shopping in XXXX XX/XX/XXXX. I did not make those charges and neither did my husband. We would be happy to swear to this fact. I have credit card statements that can verify I was in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX.
TRS recovery services, INC. sent XXXX separate notice of unpaid electronic transfer from telecheck services stating I had stopped payment on XXXX checks. No account or bank information was provided. I do not use telecheck and I have never written checks to the retailers identified in the letter. I checked with my credit union where I have my only checking account and no bad checks had been written on my account. I have sent notice via registered mail to TRS that I did not write these checks and that I will not give them any personal information as the letter states it will be used to recover the debt. They are continuing to call. I assume I may have been a victim of identity theft but I do not even have enough information from TRS to check on it. No bank name or location of where these supposed checks were written.
I had a loan from XXXX XXXX XXXX. My bank account got hacked. My Account was closed. Im guessing bayside capital services bought the loan which is weird because I found out that XXXX is unliscened. I never received a letter of validation. Finally got a call and was told Id be served papers as someone will be coming to my house and employer ( illegal ). I call asking for a license. Come to find out they dont have one. Cant even find their website online, I had to ask personally. They claimed they sent validation which is false. They have called early as well which I also know is illegal. Im not sure this is a legit company Ive also seen very bad ratings. I notified XXXX   and they said they had no idea who these people are.
i married and moved and transferred my XXXX service to my new home. I assumed that any bill remaining would transfer to my new account. after a few months i received notification from XXXX collection agencies about my XXXX debt from XXXX. XXXX XXXX and Enhanced Recovery were both attempting to collect the past due amount. I made serveral calls to XXXX, XXXX and Enhanced and almost immediately both XXXX and Enhanced reported the same debt to the credit bureaus. I know that XXXX collection agencies can not collect the same debt. I now made hundreds of phone calls to all parties to say i was always willing to pay this previous past due amount that i was not aware that i had until i received notice from XXXX collection agencies. after numerous phone calls about his misunderstanding, XXXX agreed to remove my trade line and that I should now deal with XXXX. Enchanced Recovery refuses to help me calls me serveral times a day and i try to explain what had happened. Enhanced was also aware that XXXX collection agencies were reporting the same debt. they have ruined my credit for a debt i did not know i had and by the time i straightened out having XXXX collection agencies reporting the same debt - they refuse to remove the trade line from my credit reports
I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; XXXX and their collector Portfolio Recover Associates, LLC. I notified both creditors on XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XX/XX/XXXX, I was XXXX years old when the account was opened. I received a response from Portfolio Recovery Associates LLC that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XX/XX/XXXX pointing out that I was XXXX years old when the accounts were opened. On XX/XX/XXXX I received a letter from Portfolio recovery associates LLC requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and Portfolio Recovery Associates.
I purchased a vehicle XX/XX/2014 from XXXX XXXX in XXXX NC. I had purchased XXXX other vehicles in the past from the car sales men. So ... I trusted him. I purchased a XXXX Dodge Avenger new. I traded in my Ford Explorer. He told me, purchase this car under this contract, pay your payments on time for a year and come back. We will refinance your loan for a lower interest rate. After the year, I called to set up an appointment to pay refinance the loan. The employee said, " I do not know why you were told that, we do not do that here. Yesterday, I went back to the dealership to try and trade the car in. They said my car is worth XXXX dollars. I owe XXXX. I have contacted the lender of my car to try and work out a way to pay the car off without such a burden of " being upside down ''. They said they can not help me. I dont know how I could have been so stupid or that a dealership would charge me triple the cost of a car. I would like to work out a way to stop the interest acruing on the vehicle to get it paid off quicker. Turning it in will only hurt my credit more. I do not know what to do.I told them I will never buy another car from them again. I make XXXX less than I made when I purchased the car. It is challenging enough financially to pay for the car. What can I do. What rights do I have?
I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question.
I received a Reinstatement Calculation document from Bank of America with instructions on how to reinstate my mortgage. I sent a check to BofA which arrived at XXXX on XXXX XXXX, 2015. According to the Reinstatement Calculation document, I should be able to call anytime between XXXX & XXXX Monday through Friday. I tried calling today at XXXX to confirm that the check had been received by them. I called the phone number given on the document. I was sent to my account XXXX 's voice mail which stated that she takes calls from XXXX to XXXX. Her manager 's name was given as an option to talk with instead of leaving a message. However, his hours are XXXX to XXXX. I tried calling back and did not given the account number hoping I would be able to get someone that way. The automated answer was that I either needed the account number or the address and social security number so it could transfer me to the account manager. 

Bank of America 's document states, " If you have any questions about the information above or if you want to confirm that the funds have been received and applied to the loan to stop the foreclosure, please call XXXX, Monday-Friday XXXX. to XXXX. Local Time. '' This statement is incorrect as I tried this several times and the only person I could get to was the account manager 's voice mail. 

Please see attached document.
I have a mortgage with Wells Fargo and had my mortgage set up for bi-weekly payments. The mortgage had no late pays and was always on time. My father, after the death of my mother filed for bankruptcy ( Chapter XXXX ), both of my parents were listed on the original loan documents, however, they never made one mortgage payment, utility payment or paid for any upkeep or maintenance on the property. Once my father filed his bankruptcy Wells Fargo no longer accepted my payments. I argued with them many many times explaining to them that the automatic debit from my checking account was mine and mine alone and that my father had nothing to do with this account and for matter nothing to do with this house. Wells Fargo forced my house into foreclosure because they would not accept my payments, which was not my fault. I have continued to reach out to Wells Fargo trying to get a loan modification which had Wells Fargo accepted my payments I would not need this help. They have done enough to hurt my but when it has come time to help me get things straightened out, they have been less than willing or eager to help. The loan modification documents have been submitted on three separate occasions and each time Wells Fargo has asked for additional documents from me which I have submitted. Wells Fargo has continued to place one obstacle after another in front of me and my family with no signs of them willing to correct this situation that they have put me in.
In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my Washington Mutual Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.
I was checking my credit report because I received an alert stating a collection was placed on my report. I don't know who this company is or why they reported debt to my credit. I haven't received anything from this collection company.
I called Navient to continue my rate reduction plan and they had me on the phone for almost an hour and most of it was on hold. They would n't include my pet food and other necessities. The supervisor I spoke with was very rude and he told me to call back again after I had already spent an hour on the phone. He was n't helpful in trying to accommodate our financial difficulty. Our payment is currently {$240.00} and he said we needed to start paying the full amount of {$430.00} which is about a {$200.00} increase that we have to unexpectedly pay. We wanted to continue the rate reduction for at least another year. The interest will also go up as will the payment. When we first took out the loan we did not know what we had gotten ourselves into. All the fine print and legal terms are not legible to a lame person who is not knowledgable with legal terminology. I believe this is how these corporations take advantage of people.
I lost my job in XXXX and applied for a loan modification which was granted, I was to have the XXXX payment skipped and would start with a slightly larger monthly payment in XXXX. DiTech took the XXXX payment out of my account causing XXXX $ in overdraft fees. I attempted 6 times to rectify this issue without results. My husband also attempted several times to resolve this issue. XXXX payment was taken from the wrong account causing another XXXX $ fee. I spent over 2 & 1/2 hours on the phone trying to clear this up. Our account stayed overdrawn for several weeks
they call my home all day everyday, even after XXXX and they called my home this past sunday as well? no one ever says anything at all its like its a automatic dialer or something i had never been told why they are harrassing me?
Citibank N.A. issued a refund check on XX/XX/2018 for {$600.00} due to flaws in their methodology. They failed to review my account and issued a retroactive check. I called 6 times and I could not get an answer to the following questions : 1 ) What APR was used to issued the refund? 

2 ) Why has my APR not been lowered, currently at XXXX % The letter clearly states " Please note that Citibank NA has corrected the APR on your account '' I honestly believe Citibank continues to be in violation of Regulation Z, plus they are also not disclosing the APR used to calculate the refund.
When I consolidated my student loans, it was serviced by Nelnet. There was an incentive package that they advertised which constituted of a .25 % reduction in interest rate if you autopay and 1 % reduction in interest for on-time payments or a cash rebate when the loan was consolidated of XXXX of the balance of the loan. When it was time to receive the 1 % reduction in the interest rate they stated that I no longer qualified as I made a late payment several years prior. This was incorrect. When I supplied them with the information, I had on file they never responded. They stated that I was late making a payment on XXXX/XXXX/XXXX and that I did not make a payment to XXXX/XXXX/XXXX. Also that I had turned off my auto debit payment. This was incorrect. I show no email stating that I had turned off my auto debit and I have emails going back to XXXX in my XXXX account. Also, I had an unemployment deferment stating XXXX/XXXX/XXXX so I did not have to make that payment as I was in deferment. This is clearly noted in the document they supplied me. XXXX XXXX pmnt histry and defer histry ''. It is a pdf file attached. Also, this was after years of it showing I did qualify on my account status page. Also, I have asked them several times for the policy, contract, or rules regarding these incentives. They have never supplied me with this information in writing or verbally. Also. I have asked who was the originator of my loan and who currently holds the loan as they are just the servicer. They have not supplied me with this information either. Finally, I asked them for the literature on the incentive package that they offered when I consolidated my loan, and they did not give that to me. Their position is that the incentive programs are not part of the loan consolidation agreement, and they are not bound by it. Their rules are not transparent which makes them impossible to follow.
My mortgage was taken over from Wachovia by Wells Fargo in XXXX or XXXX. I obtained & have had hazard insurance for a single family dwelling on the property, which is a townhouse, since XXXX, because I did not know any better. No one told me the hazard insurance should be based upon the type of dwelling, and, being a first-time home buyer I was completely ignorant of this fact. The original insurance carrier never asked me the type of dwelling, and I paid them for 20 years and never filed a claim. I decided to change insurance companies in XX/XX/XXXX, due to extremely poor customer service. I secured new hazard insurance for a single family dwelling in XX/XX/XXXX which was then cancelled XX/XX/XXXX, due to the property having the original roof and I could not afford to replace a perfectly good roof. Upon searching for hazard insurance again and seeking help from the management company that collects my HOA dues, I was informed that I needed insurance for a condominium/townhouse not a single family dwelling. I then secured hazard insurance on XX/XX/XXXX, with a different carrier, before the cancellation, for a condominium/townhouse and all the required forms were sent to Wells Fargo on XX/XX/XXXX. I have received two letters from the Insurance Department of Wells Fargo stating that they have imposed lender acquired hazard insurance for the property, which increased my mortgage payment by {$300.00} starting XX/XX/XXXX and to continue for the next 12 months. The first letter dated XX/XX/XXXX, stated nothing was received by them and I needed to submit the Declaration page of my new insurance policy. I called Wells Fargo several times about this issue and was put on hold for lengthy periods of time each time. I was eventually told that the required information was received from my new insurance carrier on XX/XX/XXXX, however, the newly acquired insurance is for a condominium/townhouse and is, apparently, not acceptable to Wells Fargo. The latest correspondence from Wells Fargo, datedXX/XX/XXXX continues to state that hazard insurance is needed on the property, and does not address the issue of having lender imposed hazard insurance when hazard insurance already exists. The people answering the phone at Wells Fargo are not qualified to solve customer issues and are not honest in their responses. I have spent a large amount of time trying to get resolution on the phone and am put on hold for long periods of time and never informed of the proper person to address the specific issue. For example, I spoke to someone who identified herself as XXXX XXXX on XX/XX/XXXX who told me my current insurance documents had been received, that a check would be sent to my insurance carrier ; no check has been sent.
The complaint is Bank of America removing the standard 1 month grace period from our credit card purchases when we tried to save money by using one of Bank of America 's 0 % balance transfer offers. This has now cost us {$260.00} if interest that would not have existed if we hadn't tried to " save money. '' On XX/XX/2018 due to the card 's more competitive rate, we decided to make our Bank of American Mastercard ( BofA MC ) our primary credit card. 

To make things easier, we transferred our other credit card balances to BofA MC for 1 year of 0 % interest. They charged us $ XXXX {$42.00} ( {$96.00} dollars ) for the " special '' transfers, so it is no really 0 % it is 4 %. Then they begin charging immediate interest on our other new purchases. Even with us paying our normal payments on time, we have faced {$200.00} of interest that would have been {$0.00} before the special offer. This should be crime. 

When taking the 0 % deal, all the agent had to say was ... '' this will remove your grace period on new purchases, are you sure you want that? '' Instead, he just kept saying do you understand you'll be charged interest at 12.49 % on new purchases ... And I thought " of course, thats how it always works. '' So I agreed. The language BofA used is meant to trick people. 

We stopped using the card as soon as we realized their actions, but would like to be reimbursed and this " bait and Switch '' to be stopped. 

When I spoke to Bank of America about my displeasure, they acted like it was just too bad for my family and offer no resolution!!
Repeated phone calls to me and my spouse. Told my spouse I would be sued as well as disclosing account information to my spouse, whom I married after the debt was granted to me and I 'm collection. Settled with the company and made 2 payments of one for {$400.00} on XXXX/XXXX/2017 and another payment of {$270.00} on XXXX/XXXX/2017.  Unfortunately, I could not keep up with my payments due to my current hardship and the agency persisted on calling my spouse and I. Most Recent Phone calls to myself : XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX. The agency usually contacted my wife on those same days as they contacted me. XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX. As well as more repeated calls that I can not provide at this time. I would need to contact my mobile carrier. The phone calls also always came in different numbers with a ( XXXX ) area code.
XXXX XXXX XXXX  keeps contacting me about a debt but call me every day after I had told them not to. I spoke with phone company that I owe the debt and told me that I dont even go through Maury Cobb
Account Research is harassing me for a bill which is owed by my spouse. I have contacted the billing services and spoke to someone named XXXX I explained that this is not my bill and I was never treated by XXXX XXXX XXXX in XXXX, TN. XXXX advised me that since it is a medical bill I am responsible for my spouses charges. My spouse is XXXX years old and responsible for his charges. I asked them to stop sending the bill with my name on it they have now resorted to sending the past due bill to my place of employment. This is a cheap ploy to shame me into paying for a bill that is not mine.
Daily 'robo-calls ' are left on my voice mail. The message states I should call XXXX. When I call this number it takes me into their voicemail system and asks me to leave my name, address and phone number in order that I may be called. 

The voice mail identifies the debt collector as Century Credit. 

As I do n't have any past due debts this strikes me as fraud or harassment.
BB and T Bank allowed a non-signer, XXXX XXXX ( XXXX, XXXX ) to transfer funds from my account which was unauthorized. The total was {$180000.00}.
XXXX used to manage my student loans. I had my student loans deferred throughout that period because of hardship and XXXX approved them. My student loans are now managed by XXXX XXXX. Sallie Mae has reported my account to the credit bureaus as negative. This is not a fair practice and has to be corrected or deleted from my credit file