WillisBack/dataset-financial-user-claim huggingface dataset:
I made a Money Transfer by Western Union from XXXX to XXXX XXXX. I received a MTCN number for the transaction, but when I went to take the money the western union agent do not have all the money necessary to pay me ( total amount of {$150000.00} - american dollars ). So I received XXXX checks : XXXX of {$100000.00} and other of {$50000.00}. 
The problem is that when I deposited these checks in my bank account ( XXXX XXXX ), the bank refused XXXX checks, saying that the checks do not have founds and closed my account, holding these checks. They gave me copies of the checks and told me that the originals would be sent in a few weeks, but they did not arrived yet. I tried to talk with the Western Union, but I did not receive any answer or help even trying to talk with different agents. I would like to take my money in cash as soon as possible. I am waiting for a solution and I can not wait anymore.
Amount {$400.00} owed and made last payment on XX/XX/2017 representative very disrespectful demanding if I had funds to pay for a payment i said no she kept asling when i will have payment then hangs up in my face
The credit bureau is reporting a  XXXX   XXXX  account (  XXXX  ) on my credit that is not mine. I have never had any notices or letters sent to me by this company and I do owe them {$4900.00}. I am filing this complaint because I have sent disputes to the credit bureau numerous times but they have not addressed my concern adequately and are still reporting someone else 's account on my credit. I have gone so far to even call this  XXXX   XXXX  company using the contact number provided in the credit bureau letters and they can not find records that match my personal information. I feel stuck because the company can not send me someone else 's information and the credit bureau keeps saying this account is mine. They are refusing to delete this other person 's account from my credit.
on XX/XX/XXXX and XX/XX/XXXX XXXX reported hard inquiries on my credit report without my consent. I 've contacted the creditor with no success of removal
This is still a dispute with the First National Bank of Omaha XXXX XXXX. A police report and FBI complaint are on filed for the fraud committed by this fraudulent company. 

XXXX XXXX XXXX do not owe First National Bank any money. It had all been paid off. Please stop First National Bank of Omaha XXXX XXXX from calling and sending notice on collection. 

This is a fraud scam that I fell on. It is a fraud company offering fraud employment. 
Its been more than six months and this dispute of identity theft and fraud had not been resolved. XXXX XXXX XXXX 's money was stolen and gifts cards was stolen after the bar code where given to them. Payments were reversed either by the bank or the crooks. XXXX XXXX XXXX did not give out any of her credit card account numbers. Therefore, its either a data breach or the credit card company inside jobs inducing debts on its customer with a ploy. 

This is a total fraud scam and a crime induced upon XXXX XXXX XXXX. XXXX XXXX Bank Fraud department can be investigated on the company account. 

That XXXX XXXX Account is not XXXX XXXX XXXX account. It is most probably a fraud account created by fraudulent scammer.
I FILED A COMPLAINT ON XXXX XXXX, 2015 XXXX XXXX ) IN REFERNCE TO NATION STAR AND MY MODIFICATION PROCESS AND THE WAY IT WAS BEING HANDLED. AFTER THAT TIME I RECEIVED AND LETTER AND A CALL FROM NATION STAR STATING THEY DID N'T RECEIVE ALL THE DOCUMENTS FROM ME IN WHICH IT WAS N'T A TRUE FACT BECAUSE I WOULD N'T HAVE FILED WHEN I DID. SINCE THAT TIME I STARTED THE WHOLE MODIFICATION PROCESS OVER AND ATTENDED TO IT AGGRESSIVELY TO MAKE SURE IT GOT TO UNDERWRITING. MY MODIFICATION MADE IT TO UNDERWRITING ALL DOCUMENTS THAT WAS REQUESTED WAS RECEIVED. SO I HAVE TO CALL AND FOLLOW UP PERIODICALLY IN WHICH I DID AND I SPOKE TO A REPRESENTATIVE ON XXXX XXXX, 2015 AND WAS ADVISED THAT MY MODIFICATION WAS DENIED STATING THAT I DID N'T MAKE ENOUGH IN WHICH I ASKED HER CAN I HAVE THE DETAILS OF THIS DECISION AND I WAS TOLD THAT THEY SAID MY INCOME WAS {$3700.00} A MONTH IN WHICH IT IS NOT TRUE AND IS NOT IN MY MAKING HOME AFFORDABLE APPLICATION, NOR IS IT ON MY INCOME DOCUMENTS IN WHICH I HAVE PROVIDED. I HAVE A NET INCOME OF XXXX. XXXX A MONTH WHICH IS ENOUGH TO PAY MY BILLS. NATION STAR INSISIT IT 'S TRYING TO HELP HOMEOWNERS SAVE THERE HOMES, THIS WHOLE PROCESS HAS SAID OTHER WISE. I REALLY NEED HELP WITH THIS PROCESS ALL I 'M REQUESTING IS TO HAVE MY INCOME CALCULATED CORRECTLY AS STATED AND SHOWN IN MY APPLICATION PACKAGE AND ALSO I PROVIDED CURRENT TO DATE VALUES OF HOMES IN MY AREA TO GET A VALUE ON MY HOME BECAUSE IM UPSIDE DOWN IN VALUE AND ALSO THAT HELPS IN DETERMINING PAYMENT AMOUNTS. I PERSONALLY DID RESEARCH ON THIS GOVERMENTS MAKING HOME AFFORABLE PROGRAM AND IT STATES THAT IT EVEN HELPS A PERESON ON ( UNEMPLOYMENT ) HELP TO SAVE THERE HOME. IT 'S MADE TO GO THAT FAR AND THAT 'S GREAT ; BUT WITH NATION STAR THIS PROGRAM THAT 'S HERE TO HELP FAMILY 'S SUCH AS MINE IS BEING PRESENTED TO BE DISCOURAGING AND MENTALLY DAMAGING, BUT THIS COMPLAINT WILL INSIST THEY HERE TO HELP UNDER THIS GOVERMENTS PROGRAM ... ( PLEASE SOMEONE HELP ME WITH THIS PROCESS ), I HAVE DONE EVERYTHING THAT WAS ASKED OF ME, CALLED EVERYDAY, SENT ALL DOCUMENTS, SAT AND WAITED TO HAVE MY INCOME TAKING AWAY AND DEINED HELP ONCE AGAIN, TO HAVE MY FAMILY AND I ON THE STREETS ... THIS IS TOTALLY UNFAIR!!!! 

I HAVE ATTACHED THE MAKING HOME AFFORDABLE APPLICATION PROVIDING MY INCOME WHICH WAS NOT CORRECTLY APPLIED TO MY APPLICATION AND ALSO A COPY OF THE CURRENT VALUES OF THE HOMES IN MY AREA TO SUPPORT THE DOCUMENTS, ALONG WITH THE RMA APPLICATION ; TO HELP WITH MY CURRENT PAYMENTS OR TO HELP GET A CORRECT VALUE OF HOUSE IN MY AREA SUCH AS MINES. THE ATTACHED SUPPORTING DOCUMENTS THAT WAS PROVIDED TO NATION STAR TO HELP SUPPORT MY COMPLAINT. I WAS ONLY GIVEN CREDIT FOR {$3700.00} ; WHICH IS AN INCORRECT AMOUNT. IF YOU MINUS MY BOTTOM LINE NUMBER MY INCOME IS GREATER THAN WHAT WAS IMPOSED IN THE MAKING OF THEIR DECISION AND ALSO IF YOU 'RE MAKING A DECISION OFF CURRENT VALUES MY INCOME CAN WELL SUSTAIN MY MORTGAGE PAYMENT.
On XX/XX/2018 a summons was delivered regarding XXXX XXXX XXXX credit card with balance of {$2200.00} ; represented by Rubin Rothman law firm. An agreement was made between XXXX XXXX and Rubin Rothman law. Agreement stated that XXXX XXXX pay {$700.00} to satisfy {$2200.00} balance on XXXX XXXX credit card, bringing said balance to {$0.00} due. ( This conversation was legally recorded and can be offered as evidence ). Rubin Rothman law sent agreement in mail. XXXX XXXX paid balance on approx. XX/XX/2018. On XX/XX/2018 Rubin Rothman law sent document confirming the court was notified that this action had been resolved. Capital One changed balance from {$2200.00} to {$1500.00} due. Capital One has not changed the balance due to {$0.00} as previously agreement stated with Rubin Rothman law firm and satisfied by XXXX XXXX.
i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}
I disputed several accounts due to identity theft and submitted my police report/supporting documents XX/XX/XXXX. Transunion successfully removed and deleted the items in question. As of today XX/XX/XXXX, those items were reinserted on my credit report. I have also submitted directly to the company in question my correspondence so I am confused how my identity was stolen to open accounts, then the accounts were deleted as a result, now reinserted on my file. 

Please remove 8 XXXX XXXX XXXX/XXXX  account.
In early XXXX, I successfully disputed a {$58.00} collection account from XXXX that I did not owe. The servicing collection agency at the time was XXXX XXXX, XXXX. This collection agency could not validate the debt and removed the account from my XXXX report. 

In XXXX XXXX, I received a phone call from a collection agent from Diversified Consultants on behalf of XXXX claiming that the {$58.00} was still owed. I demanded that they not contact me by phone again and to send a written validation of the debt within 30 days. The agent agreed to do so and said that a representative from XXXX would be contacting me. I never heard from anyone again about this matter. 

Diversified Consultants has now begun reporting the {$58.00} collection on my credit report. I have filed disputes with XXXX, XXXX, and XXXX. I have no knowledge of this debt and will not be paying unless it is fully validated.
I applied for a credit card, and was denied. I went to get my free report and was denied by Experian and XXXX. I tried to get my adverse report and Experian denied me again. The want me to mail them copies to prove my identity. I do n't want to give them my drivers licence or paystubs. My information is my information, I do n't want them to have it. This is a bad company that I do n't trust, I will not give them anything but public information. I 'm entitled to a free report by law and they already have more than enough proof of who I am. They 're using my information against me and not letting me see it. They did n't ask to see my ID before denying me why should they need it now?
I paid this 2012 debt off just to remove it from credit reports yet it remains as a negative mark on my credit. The debt was paid online as I was told it would be removed from my credit report quicker this way and I have the deduction for the exact amount ( {$210.00} ) on my bank statement. I would like this negative debt removed from my credit so I can have a score better reflecting my current situation.
Had a XXXX mortgage through Ocwen Loan service which has paid off on the closing sale of my house XXXX/XXXX/2015. The Escrow balance has been released but a small overpayment of of {$130.00} still has not been released. I have called on this XXXX time and spoken with their customer representative who states they will get this processed, but now XXXX days past payoff and still has not been paid.
Hello my name is XXXX XXXX and i will like to make a complaint against the navy federal credit. My reason for making this complaint is due to the unethical conduct that has been engaged towards me by this institution. I applied for a personal savings, checking and as well as for my small business as well. 

The accounts was approved and was funded. After the approval of the membership application on both the personal side and business side. I decided to apply for a business checking line of credit and the application was approved after farther review and documentation review. 

Right after the approval of the business line of credit, navy federal decided to place a security on both accounts and will not allow me to have access to the accounts both online and over the phone.
This is frustrating because every-time that i call navy federal they refuse to give me information on my account status and also refuse to give me the money in which was deposited to fund both accounts.
I am writing the CFPB, because i have not had access to both my personal accounts with navy federal and business account with navy federal for almost 3 months now and they would not allow me to have access to the funds in which are currently deposited in both the personal account and the business account.
Debt collector named Performant contacted me about my student loans. I agreed to make a payment and authorized them to take payments from my bank account to rehabilitate my loans but they never made the withdrawals. Then they called claiming to be federal agents and threatened to arrest me and to impose other sanctions or penalties because I did not pay them. They were trying to collect for a loan I got through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX University. They also placed me in a program I was not qualified for so I had to withdraw.
credit Karma will not remove a false name from my ssn, it has been used since I was XXXX, now that I'm XXXX and married and I want to buy a house I found this out. I finally got the false information ( collection debt ) removed, but my CK report calls me " XXXX ''
On XXXX/XXXX/2016 I proceeded to pay my online bill to American Medical Collection Agency located in XXXX NY. Since I am unemployed I sent up arrangement to pay {$20.00} monthly.as it stands I had a balance of {$650.00}. I paid {$20.00} which was the agreed upon amount that I set up with this collection agency. When I checked my bank statement on XXXX/XXXX/2016 this agency took the whole amount of {$650.00} from my checking account. My confirmation for paying the {$20.00} was XXXX. What sickens me is that I never received an email stating that my {$20.00} was accepted. This is fraud in the highest degree and consumers must be aware .i am requesting the this collection agency refund what is owed to me.
Wells Fargo Mortgage has delayed closing on the sale of property and will not tell the closing attorney or the buying/selling agents what is necessary and needed to complete the file. We continually supply documentation, same documents multiple times and can get to straight answer as to when we will be complete. This has been approx 60 days in the process.
I have been battling for over a year to get Equifax to accurately report my accounts. I have contacted the creditors to verify that they are sending the correct information every month and they all verified that they are. This is only happening on my Equifax credit report, both my XXXX and XXXX credit reports have the updated information every month, Equifax does not nor will not cooperate with me to resolve the issue. Calling into their customer service has only resulted in positive trade lines being deleted and XXXX up my credit report even more. I have called into Equifax numerous times to no avail, I have filed XXXX XXXX complaints to know avail. I though that not maintaining accurate credit information was against the law, I was trying to get this cleared up before buying a house but now I will not be able to move forward with my plan. This has been extremely time consuming and frustrating and I am almost at my wits end. If these things are not remedied, then I will be forced to discuses these issues with my mother, XXXX XXXX XXXX, a shareholder at XXXX XXXX XXXX XXXX 's XXXX XXXX, to see if there is any legal actions I can take to resolve this issue, as Equifax seems unwilling to work with me.
I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid CitzensOne off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and XXXX. There were no late payments either.
On XX/XX/XXXX I received a collection notice dated XX/XX/XXXX referenced by Account # XXXX from Transworld Systems Inc. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, PA XXXX. In their collection notice they stated the following. " A credit reporting agency has indicated that an inquiry has been made on your credit report. We hope that you are now in a better position to pay the above account ( s ). '' This company is attempting to collect the sum of {$340.00} that they allege I owe to XXXXXXXX XXXX XXXX. I had an account with the aforementioned security service that I cancelled in XXXX because of the financial difficulties. I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and was granted a Discharge of Debtor on XX/XX/XXXX, Northern District of Texas Case No : XXXX. XXXX XXXX XXXX was one of creditors that I listed in my filing. Transworld System Inc. attempt to collect {$340.00} is not made in good faith and they are in violation of the relief I was granted.
I filed a bankruptcy in 2016 that was discharged in XXXX 2016. at the time my loan was serviced by XXXX. I have never reaffirmed the debt. My loan was transferred to Freedom Mortgage XXXX 2016. Freedom Mortgage is reporting the mortgage as a current debt on my credit report. Since the mortgage was discharged and I am no longer responsible for the debt it should not be reported on any of the credit bureaus. I tried to resolve this with the credit bureaus directly and they said they could not remove anything since Freedom Mortgage is the company responsible for reporting to the bureaus. This is a violation of Bankruptcy Law.
Hello Sir/Madam, Since XX/XX/2018, I have had the misfortune of dealing with rent debt collection LLC.  They reported an account in collections on my credit report. They claimed the account was delinquent in XX/XX/2018 after my brother moved out of his apartment where I had cosigned him. Contrary to standard practice in the industry, they did not contact me or my brother to request the amount they claim we owe. 
When I filed a complaint with your agency earlier this year, rent debt claimed the apartment complex had sent a request for my brother to pay this debt at XXXX XXXX XXXX, XXXX. I find it hard to understand the reasoning behind a landlord sending mail to a tenant at the address the tenant just vacated. This landlord should have known the tenant will not get that mail as they no longer lived there. 
I contacted XXXX XXXX at XXXX XXXX XXXX about this supposed debt. To my consternation, she reported to me my brother owed {$72.00} and not the {$270.00} they have been reporting on my, and my brother 's credit reports. XXXX also went on a ramble about how my brother had spoken to her rudely while he was living there. After my conversation with her, I deduced this individual was trying to settle her personal scores with my brother using the credit reporting system. I filed another dispute with XXXX reporting agency, and sent them XXXX XXXX e mail to me, stating a debt amount of {$72.00} contrary to previously reported numbers so they could understand that this was all fabrication from this individual.My hope was that rent debt LLC will investigate this matter more thoroughly than they have done in the past, and clear it up once and for all. 
Apparently, someone at RentDebt LLC is not doing their job as they should, and still reported this debt as accurate - even with email proof of the discrepancy in the debt claimed by the supposed creditor. 
I am coming to you because I believe in your mission to protect us consumers. I do not think XXXX XXXX should be allowed to settle her personal scores with people using the credit reporting system. Thank you
In my previous complaint i advised Experian of the Identity theft that has occurred and advised them of this information, as well as provided a FTC Law Enforcement Affidavit that was sent to the XXXX PD as well. When my wallet was stolen over two years ago my information was used and there were accounts opened fraudulently in my name. Not only were these Banks notified, Experian also stated they blocked the incorrect information from reporting. I still show the Credit Card from XXXX  XXXX XXXX displaying on my Experian report. This is a fraudulent account, i never opened this account nor did i receive any benefit from this account nor did i ever receive a card from them. Additionally Experian advised me in my previous response that they have complied and have followed the FCRA Requirements per my Identity theft documentation and proof to block these accounts. They did block one of the XXXX XXXX XXXX Cards, however they did not block both. Like i stated, additionally there is an inquiry from XXXX XXXX XXXX from XX/XX/XXXX, that i did not authorize nor apply for any credit with that i wish to be blocked. Additionally there is an inquiry from XXXX  XXXX XXXX on XX/XX/XXXX which i did not authorize nor apply for and they stated they didn't pull credit since my report was frozen. Please block these accounts and update me once its been blocked with a new copy of my report as well as the inquiries.
Vehicle lease -- lessor overbilled by {$100.00}. After repeated calls to customer service they refuse to refund amounts due even though they agree that the overpayment has occurred. Overpayment occurred in XX/XX/2016. Nine months later they refuse to act. The lease term ended in XX/XX/2016.
I purchased a XXXX on XXXX XXXX, 2015. After signing all the papers, arriving at a monthly fee of {$360.00} for 5 years, I was called back because I was told that there had been a computer " glitch '' that day and they needed to " recalculate '' my numbers. I trusted them and signed new papers which now have me paying {$380.00} monthly. 
I am a XXXX yr old woman and in retrospect realize that this was seen as an opportunity to take advantage of a senior citizen. 
There is also a discrepancy between what I was originally told the total cost of the car would be at {$28000.00}. With the new calculations the total cost of the car is {$33000.00}. There is a notation on the original paper that the total cost of the car is {$30000.00}. I put down {$5000.00} in cash and {$5000.00} for my XXXX trade-in. 
I have XXXX account numbers with XXXX XXXX, XXXX being based on the first bill for the originally agreed monthly payment of {$360.00}. ( Which I have attached with this letter ) .The second being for the new montly fee of {$380.00}. 
I am ashamed that I did not take my son with me to negotiate the buying of a car. I did take a friend. When she thought the deal was done she walked away. I was embarrassed to call her back for either of the signings. I still have not told my son. 
I am so ashamed.
I have an account reporting on my credit as bad debt. I have never authorized this account nor have I given anyone else permission. I have no knowledge to how my personal information was obtained. But I do know that this debt is not mine due to the fact that I never had services with this provider.
I called CapStone collections a representative named XXXX XXXX answers the phone, I told him I think this account does not belong to me and that I have a police report, he said that I was a lair and that he do n't believe anything I say, that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and the only way to get it fix was me paying the whole amount that they do n't do payment plans to stop calling them and he hung up on me twice. 

This is very upsetting, I do n't even think they are a local or a real collection agency, now every time I called he is the only one who answers the phone and he keeps hanging the phone. 

Please help me with this matter I do n't think they are fallowing the collection laws and I feel discriminated and harassed by this company and indivivual.
On XXXX XXXX XXXX, a client deposited the amount of {$3000.00} ( USD ) into my business checking account at Suntrust Bank. When deposits are made on a business day it takes a 24 hour period normally for the funds to be available and if the bank is in the same area of the account then there normally is no hold. However, when I checked the business checking account it stated on XXXX XXXX XXXX that there would be a hold on {$2800.00} until XXXX XXXX XXXX. However when I checked the account again on XXXX XXXX XXXX, Suntrust Bank decided to place a hold on {$400.00} until XXXX XXXX XXXX and then put a hold on the remaining {$2400.00} until XXXX XXXX XXXX. When I contacted Suntrust Bank on XXXX XXXX XXXX, I spoke with a representative named XXXX and was told that these holds were not policy but at their own discretion. I informed the representative that this inconvenienced my ability to do business and that these funds should be available especially if there were no push backs from the bank in which the deposit was drawn from. Based on the representative and his management this is a system process and there was nothing they could do. I informed the representative that this was unacceptable and that their explanation was not enough.