WillisBack/dataset-financial-user-claim huggingface dataset:
This is the second claim I have submitted on the bank, HSBC. I sent   XXXX  wi res to customers of the bank, totaling  XXXX  from my   XXXX   XXXX   XXXX   account. We suspected fraud so they   XXXX   wires were recalled but the funds have not been returned. The first complaint that I submitted were met by a response from HSBC that called for a letter for indemnity from    XXXX   XXXX   XXXX  . The lady in charge of the Fraud Dept at   XXXX   XXXX   XXXX   informed me that they are not able to provide such a document. If they  wish, I will sign such a letter for them, if it will help get my funds returned. My prior complaint # is  XXXX . Please recontact them for me and urge them to cooperate. I urgently need my money. I took out home equity loans to take part in this scam.
Company has asked me for sources of income insisting on using student loan money to pay back loans. My understanding is that student loans are under federal jurisdiction and as per stipulations regarding students loans ; Money borrowed can not be used for purposes other than education. I do not believe it is right consciously knowing that it is not allowed that the company is suggesting using these tactics nor are the personnel qualified to make suggestions of that nature.
I am disputing this collection account for several reasons. The original creditor was a school named XXXX XXXX XXXX, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote XXXX XXXX letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics.
Payed for the same XXXX visa gift cards at XXXX XXXX on XXXX different credit cards. The visa gift cards were accepted twice by the scanner. Manager of store said he tried but could not contact anybody to help with situation. Chase credit card did not back me on the dispute after sending pictures of receipts to them been trying to get resolve. Please help.
On or about XX/XX/XXXX, I received a collection letter from a company called XXXX XXXX demanding a payment of {$980.00}. I immediately called but was told that the account was transferred to Resurgent Capital Services ( Ref # XXXX ). I contacted Resurgent to inquire about the nature of this debt. They claimed that they did not have any information other than the amount of the debt due and demanded payment or they would report me and damage my credit. 

Since I am 100 % confident the account balance is {$0.00}, I asked them to please provide validation of debt. I asked that a copy of my signed receipt and statements be sent to me for review. I have sent 2 requests to both their addresses just to make sure that someone would respond. 

First request mailed XX/XX/XXXX Resurgent Capital Services ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Second request mailed XX/XX/XXXX Resurgent Capital Services ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX SC XXXX No response. Instead on XX/XX/XXXX, I received another demand letter from Resurgent demanding immediate payment of a debt I know nothing about. 

On XX/XX/XXXX I sent a second request ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) asking for validation of debt. I asked to receive a copy of my statements and a copy of the signed receipt showing the alleged debt. Again no response. 

For the past 9 years I have been trying to build my credit and it is very important for me to continue to do so. I have my statements from XXXX XXXX the issuing bank- and I have proof of all my payments being done on time. 

In XX/XX/XXXX, I called XXXX XXXX and asked them to close my account, however the operator convinced me to keep it open and promised to take off the annual fee if I do so. Her words to me were closing it would lower your credit score, Ill remove the fee so you can keep it open for the coming year and increase your credit. 

I literally left the card at home because I didnt want to use it any more. I never received any statements from them after this phone call and since I did not charge any purchases, I didnt find it odd not to receive a statement. Many credit cards/banks dont send out statements when there are no charges. 
My last activity with XXXX XXXX was in XX/XX/XXXX. 

I did not hear anything from them for a year and suddenly I get a collection notice. Basically threatening me to pay now or they will ruin my credit. 

Can you please let me know what I can do to protect myself? I have called and spoken to them. They are very rude and not helpful at all. They keep telling me that they will mail me the validation of debt but they dont. I have waited for them for 2 months and still no response. 

This account is paid in full and has not been used for more than a year. Therefore, I am disputing all the charges and claims.
All XXXX credit reporting companies do not allow my accessing my report via the website they set up and i do not know why. Please advise.
My vehicle was illegally repossessed beyond my control with family members who are file for sabatoge and I have recorded and documented evidence of payments and I was rip-off ever since the signature for the contract of XXXX XXXX XXXX which is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. And I have logged detailed reports to they 're Corporate offices and the BBB of XXXX Texas on documented file.
I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.
Step 1 : What is this complaint about? THIS COMPLAINT IS ABOUT XXXX/XXXX XXXX. <P/>Step 2 : What type of problem are you having? I HAVE BEEN TRYING TO CLOSE THE ACCOUNT AND THEY KEEP ADDING AMOUNTS TO MY CREDIT CARD THAT I DO NOT OWE. <P/>Step 3 : What happened? ON STATEMENT FROM XX/XX/XXXX - XX/XX/XXXX I OWED {$200.00}. I PAID THROUGH XXXX  XXXX ON XX/XX/XXXX I PAID THE AMOUNT OF {$100.00} AND ON XX/XX/XXXXI PAID THE AMOUNT OF {$100.00}. Then after I paid they charge me the amount of {$2.00} and I paid through XXXX XXXX XXXX XXXX. ( See Attachment ) After this payment they claimed that the payment was returned and it was not true. t and then they claimed that {$100.00} was returned and is not true, because ( see statements. ), they claimed that was returned on XX/XX/2017 and the payment was done on XX/XX/2017. What they did was to charge {$100.00} and it was fraud to my account because I reported XXXX XXXX for Fraud from XXXX and I did not authorized any withdrawing of money from my account. Step 4 : What company is this complaint about? XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX
Approximately 6 months ago, I sent a certified letter to XXXX asking for this account to be removed from my credit report due to not receiving a notice 5 days prior to debt being placed on my credit report, and due to not having any knowledge of this debt. I was sent an email back stating the debt was mine and I must pay it. There was never any proof of any signed contract between myself or SCA Collections.
I have an item on my credit report from XXXX, XXXX, & Experian that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them 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 XXXX XXXX   XXXX XXXX, XXXX XXXX,
My name is XXXX XXXX and I am continually being harassed by the " Student Help Center '' associated with the Department of Education on my " student loans ''. I do not have/nor did I obtain student loans in connection with my college studies. The callers have been indicating they're associated with Navient. 

The calls are typically placed from XXXX and are associated with my work phone ( XXXX ). I've placed my number on the do not call registry and have continually requested to be removed from this call log, which has not happened for over six months. 

Let me know if you have any questions, -XXXX
In XXXX, I prepaid my XXXX taxes and reached out to Dovenmuehle Mortgage, Inc. ( for XXXX XXXX XXXX ) in XXXX XXXX, IL to make an adjustment to the escrow taxes for the XXXX calendar year. The first call was on XX/XX/XXXX and I was advised to provide receipt of payment for the taxes that were prepaid. This was completed and I called back on XX/XX/XXXX because there had been no contact from the mortgage servicer. I was advised there was a problem with process and that a repayment of current escrowed funds would occur. I called back on XX/XX/XXXX because there were no actions taken. During this call the individual advised they were unable to verify payment with the county despite having the receipt. Dovenmuehle was reaching out to the wrong county and I corrected this for the second time. I called back on XX/XX/XXXX and the representative advised that payment would be made in XX/XX/XXXX. After receiving half payment for the prepaid taxes in early XXXX, I called and was advised the second have of the payment would be provided the following month when the escrow account exceeded the outstanding amount owed. No payment in XXXX. I called back on XX/XX/XXXX and was advised that no payment would be made until rebalancing in XX/XX/XXXX. I advised this was unacceptable as Dovenmuehle had confirmation of tax payment to the county and sufficient funds in escrow to pay the second half installment. The supervisor XXXX agreed and advised the payment would be made by XX/XX/XXXX. No payment has been made and the escrow account funds in my account still exceed the amount owed and promised. Dovenmuehle 's representatives and supervisors have consistently provided inaccurate information for over six months and failed to meet promised payments.
On XX/XX/2018 I contacted Portfolio Recovery Associates for verification of debt, not a bill. According to the Fair Debt Collection Practices Act I asked for a signed contract that I signed where I agreed to pay Portfolio Recovery Associates, documentation that they are licensed to collect in the state of Texas, contact information for their registered agent, the purchased price of this account and the amount of commission to be made. 
On XX/XX/2018 they only sent back a bill ( which I clearly asked for more detailed information ) with the amount they say I owe in the amount of {$1000.00} to XXXX XXXX not Portfolio Recovery Associates. on XX/XX/2018 they sent me an invoice with an amount they say I owe, my social and when they purchased account, but no signed contract.They failed to prove that I am under any financial obligation to pay them this debt according to the Fair Debt Collection Practices Act.
On XXXX night I bought a tv and XXXX from Best Buy. At the checkout the guy told me I could get 10 % off if I applied for a card. During the process their system froze. They told me it was happening all night. I purchased the stuff on my regular credit card without getting the 10 % off. Later I received an email welcoming me to the credit card. 
I called today to tell them they card was a fraud because I never finished the process. They said they would cancel it. They then said they wanted me to verify my address so they could send me correspondence. I told them they have my permission to open the account in the first place and I would not provide them additional information. I also told the I was contacting CFPB.
I had saved up money to buy this video game account posted by some guy on XXXX. I contacted him to buy and he joined my lobby with it and everything. Then l, I sent the {$65.00} to him and he made me do it friends and family through PayPal. This transaction happened XX/XX/2018. He sent a login to the account and when I tried it, it didnt work. While I was testing the accounts, he blocked me on XXXX. I went on my backup account and asked for the login and that if he is scamming he is wrong for it. After he read it, he blocked me on that account to. I wish for my {$65.00} back from this scammer and I have his PayPal email if needed.
Purchased a service from XXXX XXXX XXXX onXX/XX/XXXX and paid for the service by using PayPal credit but never received an invoice either by US mail or by email from PayPal credit until earlier this week when an invoice came in the mail. Based on past PayPal statements on their web site PayPal charged me {$22.00} interest during the XX/XX/XXXX to XX/XX/XXXXbilling period but never got an invoice. Then they charged me duringXX/XX/XXXXtoXX/XX/XXXX billing period a {$25.00} late fee and {$3.00} interest and then during the XX/XX/XXXXtoXX/XX/XXXX billing period they sent me my first invoice in over 6 months with a {$38.00} late fee and {$4.00} in interest. Bottom line I was charged {$93.00} for late fees and interest and I never received an invoice until a few days ago and I then paid the balance in full which was {$280.00} Paypal Creidt told me that they sent an invoice every month for the past 6 months but until recently I had not seen an invoice or email or voicemail from PayPal that I had a past due balance. Paypal is dishonest based on the {$25.00} million they paid your agency two years ago XXXX XXXX XXXX
I deposited 5 Bitcoin ( approx. {$50000.00} USD equivalent ) and the payment is listed as " pending. '' I opened up an email ticket ( # XXXX ) and I have not yet received a reply. I tried calling the support line but it said they can not help with this type of issue by calling on the phone. I read numerous of reports of this same problem and they claim they have been waiting for weeks for a resolution.
On or about the XX/XX/2018, I XXXX XXXX noticed a OneMain inquiry on my XXXX  consumer credit report dated XX/XX/2018. I am dealing with my identity being stolen and have a fraud alert posted on my XXXX consumer credit report. I contacted OneMain by phone on the XX/XX/2018, and was informed by the Representative, " who would not tell me their name '', that it would be deleted from the XXXX consumer credit report in 30 days. On or about the XX/XX/2018, I XXXX XXXX noticed the OneMain inquiry on my XXXX consumer credit report, # XXXX dated XX/XX/2018 still appearing. I mailed a second notice " validation letter '' in regards to this inquiries and explained that this was conducted without my consent or permission and is a violation of the FCRA, " Fair Credit Reporting Act ''. This action is causing the consumer injury, without proof of my consent or a certified copy of the contract.
I am getting constant phone calls from a company named -forward movement recovery, daily. They said in a voice mail that they will start calling friends, relatives and work if I didn't call. I called a number listed in XXXX Louisiana. They use local areas somehow even though they are calling from somewhere else.the number wasXXXX this is Fraud. They told me XXXX XXXX and XXXX wanted XXXX. I admit, I had pay day loans, but went thru XXXX XXXX XXXX and paid the amount required to satisfy the loan. XXXX was my REP. The number is XXXX don't owe anything. I get calls at work, on my cell etc ... everyday from different numbers stating local areas I was told by the rep that even though I paid for this years ago, these companies still sell my accounts to collection agencies.
We have been trying to complete a deed in lieu ( DIL ) with Wells Fargo Bank and just do n't seem able to conclude this. 

We signed the DIL agreement with Wells Fargo back in XXXX of XXXX and vacated the house on the agreed upon date of XXXX XXXX, XXXX. 

This is going on 1 year now and still not resolved. Wells Fargo will not release the lien after receiving all of the paperwork, they will not return calls or emails to our lawyer to give us any update. 

We also continued to pay the utilizes on the house throughout the winter until XXXX XXXX, XXXX at which time we stopped paying the gas, electric and water ; I was not able to stop paying for trash service as the house is still in our name. 

Any help you can give us with this would be greatly appreciated.
Please reference previous complaint filed with XXXX XXXX XXXX, case # XXXX. The bank has issued a response dated XX/XX/XXXX. Please note the response does not address our original complaint. 
A summary of the previous submitted complaint : An IRA CD was taken out with XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. The amount of the IRA CD was $ XXXXPNC later took over XXXX XXXX XXXX Notification was never received from PNC Bank as to the disbursement of the IRA CD. In checking with other institutions there is additional paperwork required to transfer, close this type of an account ( IRS rules for and IRA CD ). Previously PNC was contacted in an attempt to locate my money. PNC was unable to locate any records of the IRA CD.  Instead PNC responded with reference to two other savings accounts. THIS IS AN IRA RETIREMENT ACCOUNT. PNC can not simply use the excuse there is no record of the account. It is incumbent of PNC to make sure there is proper paperwork for an open IRA CD. Justification would have to be made for IRS purposes to to track the location of IRA account dollars. It appears PNC " lost '' our money. Bottom line we have the paperwork it was an IRA CD. PNC should be required to produce their paperwork to justify they no longer have the money.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... '' promptly delete all information that can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You
I have submitted multiple complaints ( including documentation ) to Equifax, including one previously through the CFPB, on this one issue. Equifax lists my current student loan at XXXX XXXXXXXX XXXX as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX  who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.
Reviewed my   XXXX   credit report dated    XXXX   XXXX  2017     and  Portfolio Recovery  Associates ( PRC ) reports an original balance due of {$1000.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to  PRC  is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further,  PRC  has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.    4.  This information erroneously appears on all  (   XXXX   )  credit reporting agencies and I have asked   XXXX    to dispute such claims with no response from  PRC .   5. As such, all such information should be deleted from all (  XXXX  ) credit reporting agencies.    XXXX   XXXX
Payment was made on XXXX XXXX, 2016 and still have not credit my account. 
XXXX Ditech Logo BUY A HOME HOME REFINANCE CALCULATORS RESOURCES MANAGE MY ACCOUNT LOG IN UPGRADING OUR SYSTEMS IN XX/XX/XXXX Home / Upgrading our systems in XXXX We 're making improvements We 're improving our systems to serve you better. 
We 're upgrading our systems! 
Thank you for your patience. 
Ditech is in the process of upgrading our systems. When this work is complete, our customers will experience more efficient service through expanded capabilities like : Faster billing statement delivery Improved online payment options Digital alerts through text or email Free automatic payment plans On Friday, XXXX XXXX, your account access will temporarily interrupted as we install these upgrades. 

Customer service phones & online systems will be unavailable on Friday, XXXX XXXX As part of a planned systems upgrade, the XXXX online service, our automated phone menu, and the customer service call centers will be closed on XXXX XXXX, 2016. Ditech will reopen for business XXXX XXXX and on that day our customer service center will stay open until XXXX XXXX CST to serve you. 

XXXX account data may be unavailable in MyAccount until XXXX XXXX XXXX XXXX XXXX, you will be able to access your secure information in MyAccount. However, for some customers, the information shown there will reflect only Ditech mortgage loan activity as posted through XXXX XXXX, 2016. Any payments made on or after XXXX XXXX, 2016, may not be visible in your transaction history or your balance until XXXX XXXX. 

Payments made on or after XXXX XXXX will post on the date received If you make a mortgage payment on or after XXXX XXXX, 2016, we will post your payment effective the date it was received. Your up-to-date account information will be visible in MyAccount on or about XXXX XXXX. We will post all payments received on XXXX XXXX with an effective date of XXXX XXXX. 

Thank you again for your patience. We expect these upgrades to improve our service and your experience with ditech. 

ditech, a XXXX company XXXX