WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 a Western Union Money order was purchased from XXXX in the amount of {$1200.00}. The money order was written out to " XXXX XXXX at XXXX XXXX ''. On XX/XX/2018 the money order were placed in a Bright Yellow envelope, the envelope was sealed and I wrote my name, address and the complex name and address on the envelope. On XX/XX/2018 I called went online to check the status of my work order and that's when I realized my account was showing a past due balance. That same morning I called the complex and spoke to a XXXX. She informed me the money order were not received. After dealing with her unprofessional behavior I requested to speak to a manager. She refused to give me the managers name, email address or contact information. I reached out to a sister property and was able to obtain the contact information for the corporate office. I reached out to the corporate office requesting a call back, but they refused to return my call. 

I reached out to Western Union to request a stop payment. A case number was given to me. I was also advised to mail the receipts to Western Union so they could reissue the money orders to me. All of this took place on XX/XX/2018. I mailed copies of the receipts to Western Union. On XX/XX/2018 I called to confirm if the receipts were received. Agent advised me that I would need to mail the originals. The originals were mailed on XX/XX/2018 through certified mail. On XX/XX/2018 I called Western Union to see if they received the originals and the agent stated they were never received. I also reached out to my bank for some assistance with this matter and Western Union has been giving them the run around as well. 

As per the the product and tracking report from the USPS it shows XXXX XXXX received and signed for the documents on XX/XX/2018. I have been calling, mailing, emailing and faxing the same documents to Western Union and have not been able to get a resolution. I am 4 days away from being homeless because an eviction has already been processed and the court date has already passed. Can you please assist me in getting a refund? A police report has been filed. 

Please let me know if you have any questions.
I own a small company that has been using American Express credit cards to pay for court filing fees for our clients for over XXXX years. My accountant received a call yesterday from Amex stating that they were reducing our limit from {$280000.00} per month to {$50000.00}. I joined the call and spoke with several managers ( all recorded ) and was told the reduction would take place in XXXX hours, that I could appeal but it would take XXXX days after I compiled the information they require for them to make a decision, and that there was no other options. I asked if they had planned to notify us by mail and they stated a letter was going out that day ( yesterday ). When I asked why they decided to reduce the credit limit with almost no notice I was told we had been late on XXXX payments. I reviewed both payments with them and provided statements from their system that our payments had in fact been made early, not late, and that we had not been late on these or any payments in the past. We are require by the courts to pay for most case filings with a credit cards ( eFilings ). This is a service that we provide to our clients and in most cases the filings are timely and must be filed promptly to meet filing deadlines. Because we were only given XXXX hours notice, we will be informing our clients that we will not be able file their cases until I am able to secure a different credit card with a high limit or get the appeal settled with Amex. We will also see our credit score drop dramatically because the reduction in the line will cause our loan-to-available-credit ratio dramatically increase. I believe this act should be considered Unfair, deceptive, abusive acts and practices as defined by the Dobbs-Frank Act. Had we been given enough time to respond and appeal prior to the massive reduction taking place, the chances of loosing a large client would have been far less. As it stands now we are scrambling to find a new solution and to compile the financial information requested by the underwriters at Amex.
I have a Mastercard with USAA. USAA failed to send me any notice whatsoever that my payment was past due and immediately turned it in to all XXXX credit bureaus damaging my credit and by doing so violated the FDCPA. USAA refuses to remove the reports it illegally made to my credit reports.
I 'm getting calls from Equiant ( sometimes a debt collection agency, other times not, depending on who I talk to ), claiming I owe on a timeshare account with a separate company, XXXX. Although I do own a few different accounts with different resorts, I could n't recall ever signing up with XXXX. I finally found bank records of their withdrawls from my account, which I 'd overlooked originally as I do not have any automatic payments set up with it, or so I thought. I understand that, in each notice sent to me from XXXX ( nothing sent from Equiant ), I 'm entitled by law to a written notice of my right to dispute this " debt ''. I have received no such notice. Furthermore, several other discrepancies have led me to question the existence of this " debt collection agency ''. 
Along with the lack of written notice of my right to dispute, I requested a copy of the contract be sent so I could verify the debt. I was told that a request by Equiant to XXXX to send the contract to me had been submitted, but that it would take longer than I had to wait before the account was reported to major credit bureaus and my credit rating would go down. In other words, pay before I can verify the debt, or else bad things will happen. I did receive a virtual copy of the contract from contacting the resort itself ; though I 'm still awaiting a hard copy. I 've also received a virtual copy of the auto-pay document that my late wife and I apparently signed. I began my own investigation of this company ( or companies? ), along with the help of my local congressman, at first because I had wanted to dispute the debt. Assuming all of these documents are valid, I can not dispute it. So my concern turns to possible infringements of certain rights of mine by Equiant and/or XXXX. They did n't supply written notice that I could dispute the debt within thirty days and, in fact, I have received nothing from Equiant in the mail at all. My latest step in resolving this matter was to inform XXXX at XXXX XXXX services that the payment I was sending, which covered the two months of late charges that were unpaid, were to be the final payments for that account until I got a hard copy of contract.
OnXX/XX/XXXXI received an automated text from my loan servicer, saying that I had missed my payment. I was alarmed because I have my payments on automatic debit from my checking account. My payment comes out on time, every time. So there is no way I would have missed a payment, as the loan servicer, XXXX XXXX, had just taken money out of my account on XX/XX/XXXX 

I immediately called them and asked what was going on. Apparently a representative had entered my account, due to the fact that I'm on the Public Service Forgiveness Program, and messed something up which caused my account to show as being delinquent. I as assured by the customer service rep that this would be fixed and to call back in a week. I called back a week later, and it wasn't fixed. 

Now, I'm getting email alerts that my account is delinquent by 19 days. It's also reflecting on the monthly billing statement and it's showing on the website as well.
Fairway Capitol Recovery XXXX calls my work number repeatedly for my wife. This is not ever her phone number. This is my work phone number used for business only and this interferes with my work. It 's an automated call and says it 's a call for ___ ( wife 's name ) and that if this is not ___ ( wife 's name ) then to hang up. I do n't even know what the debt is that they are trying to collect. It may be legitimate. But they need to stop calling me at work. I have repeatedly hung up the phone but they still continue to call.
Since XX/XX/2016, I have been trying to work with American Express on a credit card debt of approximately {$11000.00}. Prior to this time, I had a high-paying job, which I lost, and I am also going through a divorce. I had a number of other big-name creditors ( XXXX, XXXX, XXXX ), all of whom I contacted at the time of the job loss and with whom I worked out a payment plant. I have been paying all of these other debts on time and have never received a single collection call from the other creditors. I attempted to work out a payment plan with American Express similarly but on four separate occasions, the caller threatened to damage my credit if I did not pay a certain amount at that time. <P/>They refused to work out a payment plan with me ( not a settlement, I fully intend to pay off all of the debts in full ) until I paid the set amount they demanded on the phone call. Often, I did not have enough to cover the amount, but I paid it anyway because I was worried about ruining my credit. I also began working with a credit consolidation agency recommended to me by XXXX called XXXX XXXX XXXX. I wanted the AmEx debt to go onto this consolidated payment plan, but AmEx apparently refused according to XXXX. Until XX/XX/2016, I had never missed a bill or had a late payment in my life. My credit score was in the high 700s. Now it is in the low 500s, because AmEx is claiming I am not paying, when I have made every attempt to come to an agreement with them. They are making daily calls to my cell phone. I have asked them to stop and said I have repeatedly made attempts to come up with a payment arrangement. They continue to refuse to make a payment arrangement with me unless I pay the collector on the spot right at the time of the call. I believe that this collector is actually affiliated with AmEx and not from an outside agency. They even called my parents in Ohio, saying they were " trying to get ahold of me, '' which upset my parents a great deal. <P/>I simply do not understand what I did wrong here. Every other creditor, including some health care creditors and other big banks, have worked with me exceptionally well and I have paid off my negotiated plan without any issues. This single creditor I believe is using harassing phone calls and deceptive tactics ( telling me they will work out a payment plan with me after I pay, and then doing the same thing the next month ). I am very upset, but am lucky to have some good resources at my disposal -- I worry that this company is taking advantage of others who do not. I want the calls to stop, I want the creditor to make some reasonable accommodation for me to pay the debt and I want them to treat myself and their other customers with honesty and fairness.
Ocwen over charged us approx up to {$170000.00} in excess fees and escrows, interest etc. and would NOT give us accounting prior to our settling this mortgage when we sold house In  XXXX  or to present after we and attorney requested a myriad of times to see the accountings. Right. NOw we have filed lawsuit against and still are not getting the paperwork
I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.
U.S. Bank changed the terms of my FHA loan to an Adjustable Rate Mortgage ( ARM ) loan in an effort to force me into foreclosure ( XXXX ). Therefore, in order for them to carry out their plot of forcing me into foreclosure, U.S. Bank fraudulently increased my mortgage payments " on paper, '' via the mortgage statements I receive from them, by more than $ 200/mnth dating back as far as XX/XX/XXXX. When I inquired about an urgent letter that I received from them in XX/XX/XXXX of an escrow shortage I was informed by U.S. Bank that the drastic increase in my monthly payment was a direct result of my property taxes going up ; by default created the escrow shortage instead of the fact that U.S. Bank had changed the terms of my loan to an ARM loan! When I was unable to pay the increase monthly payment amount, as refinancing and loan modification applications were being denied, U.S. Bank informed me in late XX/XX/XXXX/XX/XX/XXXX, the XXXX of XXXX occasions, that my home was sold at auction due to failure to pay property taxes ; by which they had law enforcement to serve me with a fraudulent eviction notice in XX/XX/XXXX that stated I had 45 days to vacate the premises. Nevertheless, prior to missing any mortgage payments, U.S. Bank representative XXXX informed me that U.S. Bank would no longer accept my payment ( s ) unless my mortgage payment was for the full " adjusted '' amount being called due as a result in an increase in property taxes. And if I wanted to be eligible for a loan modification, after refinancing was denied, along with other previous modification applications for not meeting deadlines, current application info was " stale dated '', etc., that I must stop making payments in order for the hardship application to be approved. 

As a result, I, XXXX XXXX XXXX, request for U.S. Bank to provide all denial letters that were previously mailed out to me prior to me missing my XXXX mortgage payment that took place approximately in XX/XX/XXXX once I was informed by U.S. Bank representative XXXX that my payments would no longer be accepted due to the " acceleration clause '' that requires the full outstanding balance to be cured after an extended period of time has elapsed and their still remains an outstanding balance that is in arrears ; thus, gave U.S. Bank the legal right to not accept any payments that was not for the full outstanding amount, as such payments would be deemed a " partial '' payment that the acceleration clause gave U.S. Bank the right to refuse!
Faxed court documents over to XXXX to support my dispute advised it would take XXXX hours for documents to be uploaded in the system. Documents were faxed on XX/XX/XXXX time XXXX military time that would be XXXX eastern standard time ( note this is on the confirmation page of fax being received ). Today I called after XXXX window advised that the confirmed fax that was sent to fax # XXXX advised fax is not on file so I asked if they were behind with uploading information Supervisor " XXXX '' so no if I sent it-it would be on file today. I explained to the him I have a confirmation that the fax was received on there end but it is within XXXX hours and still not on file something is wrong so he told me to send again. The time period they gave me was inaccurate keep in mind I validated the fax number and dispute number before faxing and was told I had the correct information.
STATEMENT On or about XX/XX/XXXX, I used XXXX search to contact the XXXX, Nebraska County Treasurers Office to check on the current status on property taxes my wife and I own therein. I was connected with to the Treasurers Office but it was the section that dealt with automobile taxes. I returned to XXXX   and added real estate to the search specifications and was connected to a official looking web site that requested the address of the property I was interested in obtaining information about, I entered the address and was informed there was a {$1.00} charge to obtain the information. The charge was not unusual, I had paid a small charge to download a property deed previously. I agreed to the charge and gave them my USAA XXXX card number. This is the only charge I agreed to.

After about 2 or 3 minutes, which seemed too long to me, the site presented a summary of the information they obtained. It contained facts about the house- rooms, square footage, etc., some of which were wrong ( I have owned the property for 42 years ) but had no current information on the XX/XX/XXXX taxes due in XX/XX/XXXX. This made me suspicious. The site encouraged me to download more information, including a picture of the house, but I declined. the site then wanted to know if I wanted to view other property or be interested in investing in other property. Now I was sure this was not getting me the data I needed and I closed the site. Unfortunately, I did not think to record the site URL.

I was suspicious enough to contact USAA a day later to check on my XXXX card charges but the {$1.00} charge I had agreed to was not posted. I regret I did not check again before I received my credit card billing showing a charge of {$1.00} made by XXXX on XX/XX/XXXX and also a charge of {$18.00} by the same the same entity on the same date. I complained to the credit card company, USAA-XXXX  thru USAA Savings Bank, and they advised me to fill out a Transaction Dispute Form and mail it in. I did so on XX/XX/XXXX, I also filed Transaction Dispute Forms for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I cancelled my XXXX card because of the inaction of USAA Savings Bank. The bank has mailed me a new card but I have refused to Activate it because the bank is carrying over the fraudulent charges of XXXX to the new card.

I have recently received an e-mail from USAA Savings Bank that they are giving me Temporary Credit for the {$18.00} charge on my XX/XX/XXXX statement but warn that the problem is not yet resolved.

I recently checked on the account and found that the posting of the latest {$18.00} charge the changed posting date from XX/XX/XXXX to XX/XX/XXXX so that it would be included in any new billing. Looks like the bank is aiding the fraudulent claimant.
An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : Experian, XXXX and XXXX, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.
I have an open case against Citibank # XXXX. Today XXXX, XXXX, XXXX I called Citi because the monthly ACH of {$70.00} which is deducted from my bank the XXXX of each month had not occurred. I was told it was and should show up tomorrow. In addition I was also informed the balance was {$620.00} a far increase from XXXX XXXX when it was {$540.00}. 

The case # XXXX was open because Citi stated the account was 169 days past due which was ludicras! The account has been closed since XXXX. I also received a message from CFPB recently that Citi is now researching and will take 60 days.
I may arrangements to pay XXXX dollars a month on debt with agreement to check in see if I was in position to make larger payments. Today XX/XX/XXXX I called to see amount still owed. The representative I spoke to asked if I could do a higher amount..I looked and offer XXXX a month. She said she would discuss it and call me back. When she did..she said she could only do XXXX a month.. my payment of XXXX a month was expired according to them, I had planned and budgeted for XXXX this month. She said she had to have XXXX this month or further legal action would follow. She stated that what she was setting up for that and if I did n't pay XXXX on XX/XX/XXXX I would default and more unpleasant action would follow. My original amount I owed was XXXX dollars after paying XXXX for over a year or better my total amount left to pay is was over a thousand. That was XXXX plus fees on account.
I am attaching a copy of the letter I mailed to XXXX, XXXX, and Trans Union on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.
I applied for a credit card with Best Buy to buy a washer and dryer with 0 % financing. I calculated my monthly payment and made my first one and set up an auto deduction from my bank account. However, they never sent me the actual credit card and they never implemented the autodeduction. I called multiple times to get the credit card, they never sent one. They also never notified me that they were n't taking the monthly payment for my debt. After 3 months I finally receive a letter indicating that my account is closed and they 're reporting me to the credit bureau. I had perfect credit until this time. We sorted out that they had failed to properly implement the auto deduct and I immediately paid them what was needed. Even after acknowledging their mistake they refused to remove this info from my credit report. My account has been paid in full and I owe them nothing, but my credit was severely damaged. Can you help get them to take it off my credit report?
As you can see in my original and continued documentation that I sent repeatedly to Transunion, they have violated the FCRA by not providing me the proof of validation of the incorrect information reported on my credit report. 

I want the incorrect items deleted or I am pursuing legal remedy.
Collector from 21st mortgage asks personal questions about how much money I will have in my pay check. Asks what other bills or expenses. Tells me it 's unacceptable if I do n't make my payment at the specific date.
I sent letters requesting debt validation to Caine & Weiner in XXXX XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. In XXXX Caine & Weiner provided me with a document with my name and address and an amount that they saying I owe them {$170.00}. I responded in XXXX asking for more details. Caine & Weiner has not responded to any of my other letters however on XXXX XXXX XXXX this company placed a collection on my credit report.
I received a request for XXXX document for my condo on XX/XX/XXXX. I immediately emailed the proof of the policy to BBVA Compass provided email. In couple weeks I received another warning from BBVA to place a mandatory Wind policy on my account. I called BBVA and they did not have my policy email and emailed that again to another email provided by BBVA on XX/XX/XXXX 
I did not work again. I received a statement that BBVA has placed a Wind Policy insurance on my account and my payment increased starting XXXX XXXX. I called again and they still did n't have my insurance. I emailed the proof again on XX/XX/XXXX. 
On XX/XX/XXXX I received a mortgage statement still showing wrong amount due for XX/XX/XXXX payment. I called BBVA again and they confirmed they just " sent a request '' to recalculate the payment. 
This is truly not a fair practice.