WillisBack/dataset-financial-user-claim huggingface dataset:
I can confirm that Western Union ( WU ) is a very incompetent institution. I sent money to my father who is XXXX years old XXXX. He could not pickup the money after making 3 trips to the bank. The bank XXXX also could not release the money stating that they did not have the MTCN number. I am dealing with not XXXX but XXXX incompetent institutions. I called Western Union and their excuse is that my father 's name is similar to the person who can not use WU. What a stupid excuse! No one took the initiative to check the record of the history. Very little money for my father 's birthday and they made a big deal to take away my precious time to solve their problems because they are incompetent. A lot of people have the same names, especially the country I came from, that 's normal in XXXX. But not to release the money to an XXXX years old man who they know better to try and assist him, is absurd! I can not believe that between the bank and Western Union, no one could use the brain to go an extra mile to solve the problem. I 'm here in NY and solved the problem for these XXXX incompetent institutions. First WU sent a confirmation email saying my father can pickup the money ( strike one! ). Once you confirm with anybody, it means " a go '' yes? If WU could not release the money, they should have sent a very specific email stating they need a copy of my father 's ID for their future record so they will not release the money to a wrong person, so we all can solve the issue before my father 's trip to the bank, not after. This should have been stated clearly! Then my father took not 1 but more than a trip to the bank, 3 days in a row ( strike two! ). They still could n't figure out how to solve the issue. Then they got me involved ( strike three! ). With a high-tech going around, I asked my sister ( who lives in the XXXX country ) to take a photo of my father 's ID and send it to me. Between my sister and myself, we solved the problem and we always do. I then sent the email to WU staff member and request with a firm instruction to release the money immediately. This should have been done by the company, not an individual person. Like I said they should have sent a very specific email ( not a confirmation email ) prior to my father 's trip to the bank. So OK, security check, I get it. But not to communicate with me is a wrong strategy ; I am the sender. This is enough to confirm that WU is very incompetent and a bank can be even more incompetent dealing with them. Put two and two together, we got XXXX! No wonder the banks are failing! I 'm not surprised. The people who work at these XXXX large institutions take no initiatives to assist a customer. Lack of training? Maybe. This should be the next XXXX case study.
I had a car loan with XXXX XXXX XXXX and authorized them to debit my my Wells Fargo checking account one a month to pay my premiums. My checking account debited each month with no problems. On XXXX/XXXX/2012 my car was repossessed by XXXX. I reported my vehicle as stolen.The police found out it was repossessed. I called the bank and was told they have not submitted my payments because a letter was sent to me stating that I need to report to the bank to let them know who is authorized to debit my account. I explained I never received such a letter. They said they were putting my payments into a holding account until I reported to the bank as the letter instructed me to do. I explained I never received the letter and could they send me a copy.. They said no. I reported the matter to a bank representative and me some call on my behalf but was unable to get anyone wllling to send me a copy of the letter. 
I made several more attempts to get a copy of this letter and was finally told recently their never existed such a letter. I was deliberately misinformed by Well Fargo Bank.My vehicle was repossessed because XXXX did not receive 2 payments prior to the repossession date XXXX/XXXX/2012. I did not receive any notifications from either XXXX or Wells Fargo bank my account was in jeopardy. My credit was destroyed because of this.
I sent a certified letter out on XX/XX/2018 asking could this company validate my debt. What I received back did not validate the debt. I received an itemized statement instead.
XXXX XXXX, on advice from free legal aid in town, I wrote a letter to all XXXX credit reporting companies asking them to research things I did not understand or agree with. Experian is the only one that never answered me. I was advised to file a complaint and you can help me.
filed complaint XX/XX/XXXX # XXXX that this is debt is not mine.received letter dated XX/XX/XXXX offering discount settlement.never shopped at store listed. ss # listed on debt is not mine
The following hard Inquiries on my credit report Im unaware of ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX customer service would not help and take care of the negative inquiries reporting to my credit report.
I have submitted a lifetime opt-out request about a year ago. I have since received numerous solicitations from citi ( XXXX XXXX, XXXX XXXX, SD, XXXX ). I have contacted them each time they send a solicitation informing them I have signed up for the " opt-out '' program and asking to be removed from all future contacts. They keep saying they will submit my information and remove me but obviously, they do not. Please tell me there is legal action I can take against them to hit them " where it hurts '' and get them to finally stop harassing me with these unwanted " offers. ''
Hello, I took out a payday loan from mobiloans in XX/XX/XXXX. I have always paid them on time at an outrageous interest rate. I found out in XX/XX/XXXX that the loan is illegal in my state of Massachusetts and I am only responsible for the principal amount which I have paid about triple that amount. I sent an email to the company letting them know the information I found out and they stopped taking the money from my checking account. Now I am trying to buy a house and they have reported to the credit Bureaus that I have on overdue balance of almost {$400.00}. I have asked them to fix the error to a {$0.00} balance and they refuse. I also disputed with credit reporting agency but keeps coming back as accurate. Technically they should owe me a refund of the amount over my principal amount but I am not asking for that, Only to remove or correct to a {$0.00} balance on my credit report.
We are continually harassed by Green Tree Servicing whom took over our loan a few years ago from XXXX. They indicate we are delinquent in our funds monthly and state that they are a " collection agency ''. Recently, I received a 30 day delinquent notice, although our $ USD counterpart ( XXXX XXXX XXXX XXXX ) sends us confirmation of funds withdrawn between the XXXX and XXXX of every month. 
The problem is XXXX fold ... I am an XXXX living in XXXX and have to rely on mail / postage as Green Tree does not offer electronic transfers / payments ... who does n't offer this service in the XXXX XXXX!!!?? ... Green Tree does not. Secondly, when our bank sends the mail ( confirmed ), it has been explained to me on several occasions by the many transient 'account managers ' we 've had over the last few years, that the mail sits in their accounts receivable department until process. 
As a point of consistency, we start receiving calls from Green Tree call agents around the XXXX of every month and continues until our payment is miraculously processed ; somewhere between the XXXX and XXXX of the month. As such, our account shows delinquency nearly every month. 
To cap it all off, due to their fallible processes and poor customer engagement, we receive at least 1 to 2 phone calls per day from Green Tree, which we 've since stopped answering and are contemplating legal action at this point. The call agents phone, without regard, any time of the day. We 've even received several phone calls at XXXX on a Saturday morning over the last few years!! This HAS TO STOP.
XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION XXXX XXXX XXXX XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT
Received a telephone call on XXXX XXXX, 2017 at approximately XXXX XXXX. from someone who called themselves " XXXX XXXX '' demanding to know if I was the correct person he was talking to. He did not identify the company. He then demanded in a loud, abusive voice that I confirm my address. I asked him who he was and what he was calling about. He said, " My name is XXXX and you have to confirm your address so that I can tell you about a serious situation you are involved in. '' I declined to confirm my address, asked him his company and he told me is was XXXX. When I told him I would not confirm any information not knowing what he was calling about, he threatened me. He said that something more serious would happen. I hung up, He called back and said, " Is this the way you are going to handle this serious situation '', again in an amazingly threatening tone. I explained again I would not share information with him and in fact was going to call the police if he called again. I have no credit issues and had absolutely no idea why he was calling me. It was the most abusive, disturbing call I have ever received. I am completely distraught and afraid that this person is a predator in some way. Only after " XXXX '' the company name did I realize it was some kind of " debt collector ''
Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began in   XXXX   originally for {$3900.00}, I have all the original paperwork for it. It was relisted in  XXXX  at {$1200.00} as a charge off and it still showing up.
XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in XXXX, when I stopped paying it. The loan was never refinanced.
This is submitted because of deceptive practice by Transunion credit reporting. First, I went to apply for a rental house and I pulled up my free credit reports on XX/XX/XXXX. First thing I notice on the Transunion report that I was delinquent by 30 days on my auto account loan ( installment loan ) with XXXX XXXX XXXX XXXX for the month of XX/XX/XXXX. I paid off my Auto loan on XX/XX/XXXX. I  promptly put in a dispute to Transunion, first I tried to do it online and upload the documents and then the computer told me I could n't upload documents. I was using XXXX browser which does n't support XXXX anymore ( same on XXXX XXXX ), so I went and pulled up XXXX XXXX and was able to load the document and got the a message saying that I had to submit this via mail because my dispute is not supported via online. I called Transunion on XX/XX/XXXX and they said that the information they receive is reported directly from my bank. Okay, so on XX/XX/XXXX, I promptly called XXXX XXXX XXXX XXXX and spoke to their loan servicing department which reviewed my account and stated that they DID NOT report to Transunion, they use XXXX and I have no late payments. So here is my dispute status " We have discovered that your request requires additional manual processing. As a result, online delivery of your dispute resolution is unavailable at this time.You will receive a mail soon with further instructions. '' I called to Transunion and told them what the credit union said and that if I want to add that information to the dispute it would be and extra 10 days to review. Huh? So what I want to know is how does this company get my information, they have now? They taken my FICO score down to XXXX and I ca n't do anything about it. It is like they are making things up so you have to check and pay for your FICO score and credit report a couple of times. If my Credit Union does n't relay this information about my accounts, how do they obtain this information? Do they make it up? Are they fishing for business? Now they have wreaked my credit score and I ca n't speak to anyone who conveys the English language without me trying to decipher what they really mean.
Repeated unwanted robocalls to government work number where several people have access. This message indicates the call is regarding debt collection " This is an important message from Transworld Systems Incorporated, a debt collection company. This is an attempt to collect a debt, and any information obtained will be used for that purpose ... ''
I believed that there is a grace period after your graduate and was unsure the amount of time was allowed before the payments started. Somehow, I got in contact with XXXX XXXX and realized that payments were being requested but by then the payments were late. As soon as I was familiar with the situation I immediately called and learned what I needed to do to start paying my student loans. I chatted with customer service and figured out that I could defer the late payments to the end of the loan and start fresh and havent miss a payment since. I was blessed and qualified for the Income-Driven Repayment plan so that helps a lot, but I have these black marks on my record and these are the only bad marks I have on my credit as of now. These late payments are for my time @ XXXX XXXX XXXX and XXXX University.
My daughter name put on my account. She has never been on my account and they refuse to take her name off this account.
I have disputed the information you listed on my report : XXXX XXXX XXXX AZ XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX XXXX  Account # XXXX : Unverified Account XXXX Account # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX # XXXX : Unverified Account XXXX XXXX  XXXX # XXXX : Unverified Account XXXX XXXX XXXX XXXX # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : I have never paid late these account
We submitted a short sale on X/XX/17 with Citi. A negotiator had already been assigned in XX/XX/XXXX. Our negotiator finally reviewed our file after numerous follow-up calls and e-mails on my part. On this  particular short sale the 1st lien is receiving a full payoff. The 2nd lien would then receive any remaining funds. On X/XX/17 I received a message from the negotiator advising me to REDUCE THE PAYOFF ON THE 2ND LIEN TO {$6000.00}. What would she like for me to do with the now excess {$71000.00}? I e-mailed XXXX my processor and called in. I spoke with XXXX on XX/XX/XXXX via  phone. She was able to communicate with the negotiator via IMing while I was on the phone. The negotiator said she did not realize the 1st was a full payoff ( yet she admitted she is assigned to the 1st and 2nd liens ). She said she would review the file and would update me on Monday XX/XX/XXXX. Of  course there was no update on XX/XX/XXXX, nor on XX/XX/XXXX when I called. The afternoon of XX/XX/XXXX XXXX  messaged me again with the negotiators update ... to reduce the payoff to the 2nd lien to  {$6000.00}!! Again, no advice on what to do with the {$71000.00} that Citi refuses to accept. XXXX then went on vacation until XX/XX/XXXX. I spoke with a manager on XX/XX/XXXX ( XXXX XXXX ) who agreed that the bank should be willing to accept the extra $ XXXX and that he would escalate my file for the negotiator 's manager to review. I called today, XX/XX/XXXX - still no update and still unable to speak with any decision maker. They told me to now wait until XX/XX/XXXX and then call back. My options are : pay myself the extra {$71000.00}, pay the seller {$71000.00}, reduce the sales price by {$71000.00} or give Citi the {$71000.00}. Unfortunately, no one at Citi seems smart enough to accept the {$71000.00}. I find it ridiculous that I have to ask for assistance to give you more money.
USBank allowed my ex husband to fraudulently open a business checking account for my business which is a c corp that he has never had any share of with the forging of my name by a " friend '' of his XXXX XXXX XXXX who he had known for years. My signature was forged and my ID was never collected.This account was also to be a corporate account, the articles of incorporation clearly show that XXXX XXXX IS THE SOLE OWNER, XXXX XXXX HAD NO INTEREST IN CORPORATION. Had this information been taken, as required BY LAW, and my ID also taken, this could have never happened. XXXX XXXX opened a corporate account without the sole owner of corporation being present, made himself a cosigner, forged my signature with the help of his friend XXXX and used this fraudulent account to steel hundreds of thousands of dollars. I was told that this was the account that I had tried to open at a different location but the paperwork was intercepted by XXXX and this account was substituted. My ex XXXX XXXX was very abusive and controlling. He never allowed me access to my accounts or books and managed to write fraudulent checks and post fraudulent withdrawals totalling almost 900k since XX/XX/XXXX. US BANK FRAUD DEPT MANAGER XXXX XXXX - phone number XXXX called to speak with my business partner XXXX XXXX today ( XX/XX/XXXX ) and told XXXX that check fraud and withdrawal fraud has a 30 day statute of limitations and that my claims were not valid and USBANK has no liability for allowing the fraud to have occurred. Not only is it illegal for XXXX to have cited such false banking laws but clearly an attempt to bully me into not pursuing a remedy that they are so clearly liable. This account was for a C Corp that was my XXXX XXXX that XXXX was never a shareholder or an officer of. It is a shame USBANK would support such shameless illegal activities to victimize its account holders. 100s of checks were even signed by people not even named as authorized signers on the fraudulently opened account. USBANK did not take the corporate shareholders id when opening account, forged signature, clearly didn't take the corp documents needed to open such account ( or would plainly see XXXX had no right to open account ) and allowed 900k to be stolen via these violations and worked with this criminal via XXXX XXXX XXXX ( former bank employee ) to commit the crimes. 

XXXX XXXX XXXX - ANOTHER ACCOUNT REPORTED TO CFPB HAS ALREADY ACKNOWLEDGED THE FRAUD AND RETURNED THE ILLEGALLY STOLEN FUNDS. 
XXXX XXXX - ANOTHER FRAUDULENTLY OPENED ACCOUNT VIA IDENTITY THEFT BY XXXX XXXX HAS ACKNOWLEDGED THIS TO BE FRAUD AND CANCELLED THE DEBT. THIS FRAUDULENT CARD WAS PAID BY THIS FRAUDULENTLY OPENED BANK ACCOUNT. 
XXXX XXXX XXXX- ANOTHER CARD OPENED BY XXXX XXXX   VIA IDENTITY THEFT HAS ALSO BEEN REPORTED TO THE CFPB AND THIS CARD TOO HAD BEEN PAID BY MY FRAUDULENTLY OPENED USBANK ACCOUNT. 

USBANK TO STOP STATING THESE ARE DUPLICATE COMPLAINTS AND TRYING TO USE ANY SLIMEY TACTIC TO HAVE THESE COMPLAINTS CLOSED. 
I AM TRYING TO KEEP FROM HAVING TO HIRE ATTY TO FILE IN FEDERAL COURT TO GET MY MONEY THAT USBANK ASSISTED IN STEALING BACK BECAUSE THEY HAVE ALLOWED SOO MUCH MONEY TO BE TAKEN FROM ME
Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX, Experian and XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
I checked my credit report to find an unauthorized inquiry from chase auto in 2015. I received a letter in 2015 stating it will be removed. I also know this issue should have been cleared last year. I have a copy of the response from chase auto provided to me saying this error would be removed.
Horrible Customer service. Account number on my billing statement was not correct. I waited XXXX minute to get a not accurate payoff amount.
In XXXX or XXXX I was given the option to settle the loan for XXXX which I started to make payments toward and I thought this debt was fulfilled. During this process the lawyer was very at one point he tried to recant on the settlement.
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that 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 ...
I was appointed fiduciary conservator for my mother who has XXXX. One of the requirements of this appointment was to close her credit card account. I met with Chase Bank at a local branch and provided them with a certified copy of the court documents and my power of attorney documents. These were forwarded to the Chase Bank legal department. I then contacted the Chase Credit Card Department and explained the situation and asked for the account to be closed. This was done and I remitted the outstanding balance via check. Several weeks later I observed my Mother using the credit card. I called Chase again to see what had happened. They said my Mother called them and asked to have the account reopened, which Chase did. I explained that I was Court appointed Fiduciary and the account was to have been closed permanently. Chase said they had no record of the document. They would close the account again but if my mother called in again they would reopen it. I explain that my Mother had no means to pay the bill when due because she had no money and no bank accounts. They then told me that the account was on autopay from a Wells Fargo account. I told them that that account had been closed and they would not get paid from it when due. The customer service rep and her supervisor did not care. They did not ask for a copy of the court documents. The supervisor actually said that if my Mother was sound of mind enough to call in then she must be fine with the credit card. Both individuals i spoke with were giving me advice on how to deal with my Mother and XXXX, which was unbelievable. I feel like Chase was fine with not getting paid so that the account would be charged with late fees and a high rate of interest. One reason the Court wanted this account closed was because my XXXX year old Mother was threatening to buy a plane ticket and leave the state. If this were to occur because of her access to a credit card this would be a huge problem and I would hold Chase Bank responsible. This phone conversation with Chase was on XXXX XXXX, 2017.