WillisBack/dataset-financial-user-claim huggingface dataset:
western union advertise on they side real-time currency ratesthis rate much different from actual rate you receiveagent from kiosk try to blame western union about this spared and western union supervisor blame agent. on they site on the moment I send the money rate was XXXX and I receive XXXX Today on forex USD to XXXX is XXXX
this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on XXXX XXXX 's internal site/emails on the credit card company s site showing they dismissed the debt
Called ECMC to inquire about a dispute -- spoke with  XXXX   ( refused her last name because she said she did n't have to ) She was rude, dismissive and lacked knowledge. She should not be allowed to work federal loans EVER! I requested a Manager bu t she transferred me to whoever she wanted to -a team leader named  XXXX   .    This is the worst experience I have ever had and I do not appreciate this type of customer service when I am being caused financial hardship and doing everything to correct this situation.  XXXX  needs to be fired! and so does h  er Manager for not properly training!
Nevertheless, I do not owe   this loan, this is fraud and I have presented the proper documents to prove it. I have never been to college and never went to this school. I am being offset for my taxes and this is not my loan. Period!
I signed for a loan online with lending club when I was in college for XXXX, the loan was about {$10000.00}. When thing started to be hard for me, I signed up with a debt consolidation company name " freedom debt relieve '' where they settled this account with lending club for me which was {$4800.00}. Even after the settlement lending club sold my account to another deft collection company name XXXX without sending me any notice. I contacted lending club my self few times, sometimes they put me on hold or hang up on me. I kept calling, sending them letters for about six months nobody ever answer me ..XX/XX/2016 I paid the full balance of the settlement to the deft collector company they sold my account to. I called them that day I finally spoke with a customer rep I explained to her what they did to me it 's wrong and illegal cause there 's no way they can sold my account to another company without sending me any letters, and also I told her now I paid in full the settlement why it 's still show on my report this account is charged off where it should says settled in full or paid in full .she was unable to answer my questions put me on hold again and hang up right on my face ..two days after I received an email from lending club stated whatever they report to the credit bureau not gon na change .. I called the other collectors they sold my account to and explained to them what 's going on, they told me it 's not them it 's up to lending club to report to the credit bureau the account is settled or paid in full.. until now lending club keeps that charged off on my report never says to the credit bureaus this account is settled or paid in full.
Capital One - 0 % interest credit card. I responded to this offer and have been using the card. I saw an interest charge on my credit card statement and checked the statement asssuming it was an error. In reviewing the statement, there is no place on the current or prior statements that indicates WHEN the promotion ends. Also the online portal does not include this information. 

I 've used other 0 % offers and the company always shows the expiration of the promotional offer on the credit card statement plus they will include a reminder before it expires. That is good business practice. 

I contacted XXXX and was told by XXXX representatives that I should have kept track of the offer. The attitude demonstrated by their customer service rep and manager is  " it 's your fault and it 's your problem ''. Good point when dealing with slimy business partners. Given I had asked for the interest to be credited back to my account and I would pay the card in full, in my opinion they are not terribly bright either. 

So XXXX, what 's NOT in my wallet is your credit card. And what 's not in YOUR wallet any longer is my significant savings account.
I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014
I am far from the first consumer to file a complaint about Ditech as of late. On all consumer sites I see the issues are similar : consumers have misapplied payments, most of the complaints say the XXXX 2016 payment was applied directly to principle, late fees, collection calls, payments sitting in unapplied. This for me personally has been going on for 3+ weeks.
My double cash card from Citi Bank which I opened 2 months ago charged me interested when the card was supposed to be 0 % APR for 15 months. When I called they said my card only has no interest on transfer while the offer letter clearly states that there is no APR for all purchases up to 15 months and they said the offer stands as is and they can not do anything for me.
Disputed inaccurate information as told by the collection agency. Collection agency and original creditor sent me a letter to forward to Experian to have the inaccuracy removed. Upon receiving I started a dispute and uploaded documents provided to have the collection removed from my credit report. I received a letter from Experian telling me that even though they received that documentation they still WILL NOT remove it. No contact phone number to talk to someone about this issue at Experian.
Credit reporting agency is reporting an account XXXX Mortgage. However, the creditor is unable to locate an account for me. Please see attached letter from XXXX Mortgage. There is also a collection account XXXX XXXX XXXX for the same exact account. XXXX accounts have a past due balance. Experian is reporting XXXX of these as XXXX separate debts.
On XXXX XXXX, 2016, PennCredit generated a notice regarding a {$36.00} per capita tax payment on behalf of the township in which I reside. I received this notice in my mailbox the week of XXXX XXXX. PennCredit has since contacted my father 's place of business by telephone and disclosed the debt in a voice message. I believe this constitutes communication with a third party regarding my debt. I had not communicated with PennCredit or represented my father to be my agent nor my attorney in the context of this debt. I believe this represents an aggressive and unfair debt collection practice. In the written notice I received from PennCredit, the company discloses that I have 30 days to address the debt. Yet within a week 's time, the company is contacting a third party by telephone to collect said debt. I am unsure if PennCredit has reached out to other third parties in an attempt to collect this debt from me.
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX17and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
during the   XXXX   XXXX   of  XXXX   2017 , I requested that my banking account information be updated so that i could use an additional account to make payments on my loan. I was not given the opportunity to do so, I received no response offering to help update my account information or providing me the option to do so.     during  XXXX   2017 , I called and requested that I be given an update on my account and was placed on hold for an extended period of time. I contacted mobiloans again during  XXXX     2017  and after discussing the status of my account and learning of the additional charges being added I was offered a settlement amount. I verbally accepted the offer extended and was told that the agreement would be in place and the amount owed would be the agreed offer. As part of the offer I was asked to agree to a payment to be taken as " good faith '' I was told that it would be applied to the new settlement amount and would cease any previous ach payments.To confirm the agreement, I asked that I be delivered a copy of the terms and conditions of the settlement offer as proof of the agreement via email or physical mail. I was told that they would not do that and that I could expect information by the following close of business. The following day I was charged  XXXX  payments instead of the  XXXX  payment as agreed and was never given the terms and conditions of the settlement offer. I contacted them again and still did not receive the information requested. furthermore during this time I was unable to make payments on the account online.   
As a result of these actions and behaviors on behalf of Mobiloans, I consider this to be a breach of contract for violating the terms and conditions of the settlement agreement o  ffered to me and for not allowing me to pay my account balance to avoid additional fees and charges.
I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. In XXXX of 2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all XXXX credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least six time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR and I 'm attaching a letter from the courthouse showing that they also corrected the record.
My house was flooded during Hurricane Harvey. The mortgage on this house was held by Wells Fargo. Shortly after the flood I received a package of information from Wells Fargo outlining my options. One of those options was to use the insurance settlement to pay off my mortgage. Because of the amount of damage to my house I am not able to repair it without substantial additional costs so I chose the option of paying off the mortgage which would then allow me to purchase a new house with another mortgage company. I called Wells Fargo and talked to XXXX XXXX and he went over the process. He thought the process would take a few days. I received the check from the insurance company on XXXX XXXX and again called Wells Fargo but did not write down the lady 's name. She told me to take the check to a Wells Fargo branch office, endorse the check and have them overnight the check to their mortgage department. I went into their branch office on XXXX in XXXX and worked with XXXX XXXX, she did agree to overnight the check and had someone call me later in the day to confirm it had been done. I called Wells Fargo on XXXX XXXX to make sure the check had been received and talked to XXXX, XXXX and XXXX and they said the check was not in their system yet. XXXX agreed to call me the following day with an update but she never did. I called Wells Fargo again on XXXX XXXX and talked to XXXX, and XXXX XXXX and they said the check was not there but XXXX assured me he would call the following day no later than XXXX eastern time with an update one way or another. He has never called. I called again and talked to XXXX, XXXX XXXX and XXXX XXXX to escalate the issue. On XXXX XXXX I called the main corporate number in XXXX XXXX, XXXX and requested to talk to XXXX XXXX XXXX but instead they sent me to the executive escalations group where I talked to XXXX and XXXX and they confirmed a case had been opened and I should hear from someone within 24 - 48 hours. On XXXX XXXX XXXX called to let me know that my case had been assigned to XXXX XXXX and he would call me within 24 - 48 hours. I talked to XXXX several times but all I really got from him was Wells Fargo processes and the time they were allowed to complete the task which was normally 24 - 48 hours. On XXXX XXXX I saw the funds posted to my account but not applied to the loan. I called XXXX again and he said that I would need to talk to the Property Loss Department to find out how long it would take to complete the transfer of funds. I called them and talk to XXXX and she said they needed a revised payoff quote which could take 24 hours. I went online and created the quote and per XXXX I faxed it to them. I then called the property loss department after a few hours to be sure they received it and talked to XXXX XXXX. She said it was not in my file but it could take 24 hours to show up. The closing on my new house was suppose to take place XXXX XXXX but it has been delayed pending this pay off confirmation. The contract expires XXXX XXXX, if I have not closed by that date I potentially loose all of the money I have spent to date, including the escrow money, inspection fees and appraisal.
I am filling this complaint because my multiple requests have been ignored by Experian. I have requested to be provided with documents that their company has on file that was used to authenticate and verify accounts shown on my credit report, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be authenticated and validated with accuracy, that I disputed. 
I originally mailed a letter on XXXX XXXX, 2015 to Experian requesting verification and validation of multiple accounts reporting in error. There were account that remained on my report but I never received validation or verification of the accounts. I followed up with a letter on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 requesting a re-investigation. Once again accounts remained on my Experian report but I did not receive validation or verification of the account. 
The following accounts remain on my report without being provided authentication or validation the information is in fact accurate : State tax lien Fed XXXX lien XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Please resolve this manner as soon as possible as I have attempted multiple times to be provided with evidence of these accounts and have yet to receive any validation or verification of these accounts.
When making a transaction in a foreign currency, PayPal offers the options of allowing PayPal to convert the currency ( at a markup ) or allowing the consumer 's card issuer to perform the currency conversion. When I tried today to make a payment of XXXX Euros, I was quoted a rate of {$610.00} USD by PayPal. This was much higher than the {$590.00} using the bank exchange rate. When I attempted to change the option to within my PayPal app to allow my issuer to perform the currency conversion, the option was not accepted and continued to revert back to PayPal for conversion. In reading online forums, I see this " bug '' has been occurring for years. I needed to log into a browser to be able to change the currency conversion selection. 

Consumers have notified PayPal via those forums, so I must believe that PayPal has not fixed the problem as it is profitable for them.
I am filing a dispute yet again about my Mortgage Servicer Select Portfolio Servicing. I classified them as a collection agency because that is haw the represent themselves yet I have also learned that they are licensed as a lender as well here in XXXX Their standing and how they do things is very confusing to me. 

I had recently been offered a catch up plan with them for the amount I am behind on my Mortgage. I 've filed previous complaints letting you know how I was put in the position of being years behind my mortgage due to multiple delayed modification processes among other things. I have also filed a dispute on the catch up plan. Them amount of the payments is XXXX a month for a year and the a balloon payment of XXXX. I 've asked them multiple times for a breakdown of these numbers. How much goes to the principle, how much goes to their fees, that have racked up on me over the years, and where will I stand at the end of this as far as what I will still owe. All I get is generic responses with nothing but a list of fees they have against me. No breakdown of the numbers witch I need before I start paying so that I know exactly what will be happening. I have had many problems with their accounting in the past. After receiving their response to my last dispute they also canceled the plan saying that it had passed the date I needed to make the 1st payment. That date was during the time I was awaiting their response to my dispute. I have the finances to complete the payment plan but I really need to know where my money is going. 

I have also suggested that we could negotiate a principle reduction so as the keep everything straight without various payment plans. They say the investors that own my loan are not interested in that. Seems they are only interested in foreclosing. 

I also talked with them about an all encompassing settlement to the amount owed. They agreed it could happen yet refuse to tell me what they would actually settle for. Seems they want me to propose a settlement number myself. Leaving me to kind of guess at numbers that they may accept. Seems odd to me.
I just want to get out from under these people and I want to do it in a way that will have some finality. They only have one thing in mind. Foreclosure!
Please take record of this dispute.
The bank. had a legal hold on the funds in my checking account. I am in court challenging the validity of the hold on funds that should be considered disabilty payment. On XXXX/XXXX/16 the bank made my funds available in the savings account so I transferred all the funds to my checking account and subsequently withdrew the cash from my checking account. I did believe that I had won my case and that was why the funds were released. There appears to have been a glitch in the system because the bank says they never meant for the funds to be available to me. I contend that this is a mistake on the bank 's part and they are responsible for the mistake. The bank reversed my transfer on XXXX/XXXX/16. There was no longer any funds in either account at that time except for my paycheck of approximately {$150.00}. Now my account is {$3200.00} in the red which is not correct. I do not have a credit line with Chase so this reversal is contrary to my account access for over the limit withdrawals of which there are none.
This Company has never mailed notification of the debt however they are reporting to the credit bureaus. The debt collection practices are in violation of XXXX privacy laws as they have mailed the full and complete medical bill with private very personal information to my lawyers. The information submitted to the lawyers is inaccurate, the billing date is prior to the date of service. How is it possible to bill someone for a service before they were even admitted for an emergency? I have been sending certified letters to this company and they refuse to accept any of them. Very hard to work with someone that will not accept certified mail for proof of delivery.
It was never explained to me how a simple interest loan repayment plan works from the dealership where I got the car. 3 years of payments and near $ XXXX later, I 'm told that a majority of the funds I have paid went to paying interest per day accrued rather than to the principal balance! Now they say I owe $ XXXX on an original $ XXXX loan from 3 years ago!
These people call from many different numbers, but the one I get the most is XXXX. The message says " we have several complaints filed against you '' and that " your cooperation is required. '' -- - essentially meaning I have to pay what they are requesting and do what they demand. They do not say they are trying to collect a debt, but it seems to be what they are threatening. I have no outstanding debt, so this is a scam. They seem like they are trying to threaten old people into turning over money. Many sites talk about these same dishonest tactics. They just called me 2 hours ago and XXXX from this number. They may have tried to use other numbers but left no messages. I even blocked them but they continue to leave messages I have received repeated phone calls from local numbers saying they have had numerous  complaints about me and have made repeated attempts to contact me. Refers me to call XXXX A reverse search reveals it to be a collection company called Miller Stark Klein & Associates. Per XXXX and XXXX, this company seems to focus on collecting phantom debts. My complaint however specifically relates to the fact that they did not identify themselves as a debt collection agency as per the CFP