WillisBack/dataset-financial-user-claim huggingface dataset:
i have had a Target Red credit card since XX/XX/XXXX. They refused to take my payment on XX/XX/XXXX at XXXX when payment was due by XX/XX/XXXX. I called the moment I remembered and as always intended to pay in full. I always pay any amounts due in full. citing they have made a late payment exception for twice in 12 months, they could not take this payment and remove late fees of {$25.00}, interest and the negative reporting to the credit bureaus. This is stupid. THREE times on XX/XX/XXXX and XX/XX/XXXX I asked for a supervisor and was refused. I was placed on long holds and told a supervisor would call me back within 24-48 hours. You 're telling me that inside of this MASSIVE organization, there is not one supervisor available to talk to me? XXXX I want the late reporting, fees and interest removed. I only have a {$200.00} credit limit with them anyway. It 's not like this is a big limit card. the amount due on XX/XX/XXXX was {$90.00}. XX/XX/XXXX phone calls only infuriated me further. One tried to strong arm me into paying over the phone and not even listen to what i had to say. What sort of shim/sham operation is this anyway?
On XX/XX/XXXX, 2008 I bought from XXXX XXXX XXXX, XXXX XXXX silver dollar, graded XXXX for XXXX. 
This quality coin is worth about {$370000.00}. 
This seller, XXXX XXXX from Florida promised me, that this coin is not " enhanced '' ( cleaned, polished, dipped, heated etc ) any way and is really graded XXXX, graded by a numismatic company. 
I asked him for guarantee 30 days money back if this coin will be over-graded. He has agreed. 
On XXXX/XXXX/2008 I sent him wire transfer from my Wells Fargo account for {$3200.00}. 
After few days I received this coin and unfortunately, its quality has high over-graded. Regarding the quality I asked for opinion professional coin dealer, and he said the same. Additionally this coin was cleaned and polished and the value was as scrap, about {$8.00}. 

The same day, on XXXX/XXXX/2008 I have sent complaint to XXXX XXXX XXXX and demanded from him immediately money back, but he did not answered by e-mal and phone. On XXXX/XXXX/2008 this coin was send him back, USPS confirmation # : XXXX XXXX XXXX XXXX XXXX, but my money no refund. 
After few days I failed a claim in Wells Fargo bank ( claim # : XXXX ) regarding this cheating. I asked a banker for help, to withdrawal my money from XXXX XXXX XXXX, however, they refuse to help me and closed this case. 
A women from Wells Fargo bank called me and said, that they will not processed this claim because this person may be dead or fled abroad and is in other country now. 
I was very badly discriminated in Wells Fargo bank and I lost there many money. They told me that I can have only XXXX claims each year and no more. If I will have more complaints, then they will close my account. I knew that a lie, but nothing I could do. 

I was deceived by many cheaters online, and the bank refused me defrauded more than XXXX transactions. 

For this transaction I pledged my jewelry collection in XXXX. My jewelry, more than XXXX pieces of gold with precious stones ( diamonds, rubies, sapphires, emeralds and more ) was worth more than {$250000.00}, but Pawn shop in XXXX offered me only {$3400.00}, this because they counted my gold as scrap and gemstones and synthetic, because stones had no certificates from their professional jeweler. 

I agreed, because I do not expect that this man deceive me and I be able to pick up my jewelry. Unfortunately, I lost all money, the scammer did not refund my money, the bank discriminated me and I lost all my jewelry worth more than {$250000.00}. I have proof from Pawn shop and pictures of the jewelry. I told the banker that I will loos all my jewelry if they will not help me. But she said as above. 
After this incident I decided to closed my account in this bad bank.
I am filing a complaint as XXXX XXXX XXXX have not sent me proff of my obligation of the alleged debt as requested and continue to report to the 3 major credit bureau. XXXX XXXX has continued to ignore my request for validation and ignore my consumer rights. In their response that they verified the item as accurate but has failed to send me a copy of the documents used to verify the disputed account. Account # XXXX sent certified letters on XX/XX/2017 and XX/XX/2017
On XX/XX/2018 I deposited a {$100000.00} check to my Chase checking account from a family member. The amount was paid from the payor 's account on the next business day. 
Chase however put a hold on the deposit, and insisted that it must receive confirmation from the payor bank that the check had been paid. Chase is unwilling to confirm that Chase has received the funds. It appears that as a matter of policy, Chase puts a hold on ALL large deposits and waits until the very last day allowable under Regulation CC, the seventh business day ( in this case XX/XX/2018 ), to release the funds, even though Chase has and can ( but chooses not to ) confirm that it has received the funds from the payor bank. I believe this is an abuse by Chase of the discretion provided by regulators to banks under Regulation CC to put holds on large deposits. The purpose of the regulation is to prevent losses incurred by bad checks, not to provide banks with an opportunity to earn interest on deposits for a few extra days after good checks have already been paid. Thank you.
We previously filed a complaint, #  XXXX . The servicer responded stating they acknowledged the mistake and were fixing it. It has been 6 months and still has not been resolved. Our client continues to get letters threatening foreclosure.
Back in XX/XX/XXXX I filed a complaint against Bank of America to get loan assistance. The case number is XXXX. I was able to get a loan modification after I filed the complaint which started on XX/XX/XXXX. The loan modification specified for me to make 3 trial loan payments which decreased my payment to {$670.00}. The three trial payments were to be madeXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just found out a week ago ( after making the first trial payment ) that my loan has been sold to XXXX XXXX XXXX. Right now, XXXX XXXX XXXX has no record of my loan modification. I spent over 9 months working with Bank of America to get the loan modification approved and wrote to the CFPB and they ended up selling my mortgage loan. I am highly disappointed and upset that this happened. I spoke with several representatives at Bank of America that advised me that I would not need to make any loan payments for my regular loan amount of {$810.00} while under the loan modification trial period. They advised me that the past due payments would go to the end of the loan once the trial period was over. I would like my trial loan modification to be transferred to the new loan under XXXX XXXX XXXX. The new loan account number is XXXX.
Transunion had a glitch in their system that cause that reinserted previously deleted information. They violated my rights unders section 6.11. I was never notified. As a result my credit score has been gravely affected. i have contacted them more than but they have not taken any actions to correct the error. I am requesting that all inquiries be removed from report.
My account with this company charged off the total amount of {$2600.00} three years ago. since then it is still being reported tot he credit bureaus as an active amount and i just received an alert from equifax today. 
XXXX/XXXX/2017 XXXX - Account InformationArchive this alert |Hide alert details The following changes were reported for your XXXX account : Balance Amount Changed from {$7800.00} to {$8700.00} Past Due Amount Changed from {$7800.00} to {$8700.00} How can a charged off loan grow {$970.00} in one cycle and grow {$6000.00} after it was charged off? 
They are the definition of predatory lending and should be sactioned!
Afni sent a letter concerning a debt with XXXX XXXX that does not belong to me. I have never been a subscriber to this company. I do n't recognize this debt. This collection company has threatened to take further action without first verifying this debt. I would like them to submit any signed documentation or drivers license that they may have in their files to me to give me as much as I can to press charges against the person ( s ) that this debt belongs to.
XXXX XXXX is still being reported on my XXXX report it was opened in 2006 and I have requested for it to be removed and they have fail to remove it. XXXX XXXX XXXX XXXX XXXX Ga XXXX
I do not agree with your response. I did n't ask for you to give me a response. I want the contact person and location where I would serve papers for small claims court. All I want is the address I do n't agree with your response just looking for the address and have left you several messages without a return call. Please provide me the address immediately that is all I am asking for.
Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XXXX XXXX, 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XXXX XXXX, 2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt.
I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.
My credit application to Citizens One for XXXX XXXX XXXX was just denied. My credit rating is XXXX! The credit card I offered has a XXXX Credit Limit and my current balance is less than XXXX. 
I am stunned and was frankly embarrassed by this action. 
Then, try to get an answer from the company! They deny access on the website and phone Unless you have an existing loan. 
Yes, I can go to a retail store and get the phone, but without the advantages of the XXXX XXXX plan, which is the reason I went to the XXXX in XXXX XXXX, California! 
XXXX should be looking into theses issues which from what I understand is not unusual. Others with excellent credit are denied access to the new IPhone benefit program for no cause. We are talking about financing less than XXXX!
An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file XX/XX/XXXX. I received a notice from Portfolio Recovery Services on XX/XX/XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XX/XX/XXXX as verification on XX/XX/XXXX. Which is not validation of this debt. I responded to their letter on XX/XX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
them. I also want to have this so called lawyers office stop contacting me for good and to back office and I will let centennial finance know what I want and that is I want to have about two months to get the full amount of what is owed and that I will pay the amount in one payment but I want them to take me office of all XXXX credit reports and to put me in good standing and to give me a new card with a new deal because I did not receive a lot of statements at all.This is what I want and feel is a gooway for both sides to be happy.
I had a 2012 XXXX XXXX financed by XXXX XXXX the car was total out, my insurance company paid which I thought they were responsible for paying the car off. I was total there was a charge off amount of XXXX owe on the car. I car XXXX XXXX and when into a payment plan to pay off the XXXX which I paid the amount off. The problem is if XXXX XXXX accept the payments for the charge off. Why on all my credit reports the charge off amount of XXXX still shows when they accepted the payments. So the debt would be paid if full which it was. I understand the late payments showing but if the company agrees the accept payments to fulfilled a debt how can it be a charge off.
This complaint is not about XXXX XXXX XXXX. A gentleman keeps calling me stating he is with Global. He has attempted to set up payments for a debt that global is trying to collect on. I have not received any initial communication letters from Global and when I asked for a address to send a certified letter he got frustrated and told me he did n't have an address. He has n't given me a full name of the collections agency so I ca n't do my own research. I asked for validation of the debt and he told me no, that he would email me the initial communication letter. Today, while at an appointment I had to stop his call 3 times. The first time I called him back was because I had a threatening message on my voicemail about getting served at work. Clearly a scare tactic as I have no proof of the debt. This message was also left on my mother and my husbands phone. I attached a screen shot of the voice mail.
The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX after closing, however, there is no record of that transfer in XXXX XXXX, Texas as is required by law in the State of Texas. 

" The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. '' XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure in XXXX of XXXX and the Deed of Trust and Promissory Note is no longer enforceable. Therefore, the continued threats of foreclosure constitute harassment and the damage to our credit reports is infinitesimal. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the dual tracked foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began in XXXX of XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and RoundPoint Mortgage Servicer as a Debt Collector, refuses to close this and wipe the slate clean. 
United States XXXX, XXXX, Case No. XXXX, XXXX, XXXX XXXX, XXXX.
I got a phone call to my number from a lady and she left a voicemail. I was told that my name and social security number was placed on her desk and a claim was filed against me and that I needed to go to her office and sign some paperwork. She never told me what company she worked for or anything. I called the number and XXXX XXXX ext : XXXX picked up the phone I gave him all my information and he told me that he was from Red Cedar Associated and that someone was trying to sue me for money owed and that I needed to pay it up from and I could n't make any payments. If I did n't pay him up front then they will file a judgement against me. I told him to send me a bill and he said he will send a notice statement to my email address. I asked him if he had anything from the original loaner, and he said no just that it came from XXXX in Arizona. I said fine just email me what you have. He told me that once I reviewed the email to call as soon as possible because they this is very urgent and I could be in big trouble. So once I got the paper in the email I looked it over and gave him a call back. A man by the name of XXXX XXXX Ext : XXXX answered the phone, I asked to speak with XXXX XXXX he said he was unavailable but he could help me. I told him if I could make a payment plan to pay and he kept telling me no that I would have to pay the whole amount. I told him I wanted to send payment using a cashiers check and he told me no they would not accept it due to the severity of the loan. So I went on their website and t states that they accept money orders, money grams, debt, credit and checks by mail and over the phone. I told him this then he told me to hold. He placed XXXX XXXX on the phone, XXXX XXXX started to bully me and told me I had to use a debit, credit or prepaid card and nothing else. I told him I needed to track my payment. He then told me he needed to get his director on the phone. Then placed XXXX XXXX on. I asked for their director and XXXX XXXX said he was the director. I told them I need to be able to make payments in small sums every week using a cashiers check. He told me no I ca n't do that and if I sent a cashiers check that they would just send it back to me. Then my spouse got on the phone and told him the same thing I was saying then said I was pregnant and can not pay a large sum and I had to use a cashier check to track my payment. Then placed me back in the phone. XXXX XXXX then told me not to worry that I can send a cashiers check for any amount. I asked if they sent invoices letting me know they received payment he told me no just call over the phone.
On XX/XX/17 my bank account showed two pending credit charges to a company called XXXX XXXX. Both Charges were in the amount of {$190.00}. I contacted Regions Bank and they canceled my card, but told me it would be awhile while they research the possible fraudulent charges. So, two days before XXXX I have no money. I contacted the company and they said they were able to catch and cancel the fraudulent charges and issued a refund. Called Regions back and they told me they dont issue conditional credits while they research and there is nothing they can do until the investigation is complete. We spoke to a customer manager, XXXX XXXX, but when we called back we couldnt be reconnected to her for some reason. This does not seem fair or correct.
I am a victim of the recent hack to XXXX files. In an effort to secure my identity and credit, I have been placing a credit freeze on my accounts. I have been successful with placing freezes with XXXXx and XXXX. I did it online, and it was done within minutes. 

However, Transunion has been giving me problems. They are unable to handle my request online - the others did and did it promptly. When I call the number provided by Transunion - XXXX, I have waited on the phone for no less than XXXX hours a day, waiting in cue for a customer representative of TransUnion to pick up the phone so that I can put a freeze on my account. This has been since the announcement came on Friday night XXXX. 

I am a victim and Transunion is further victimizing me. They are inefficient with services. There is no reason for them to not operate efficiently like the other XXXX reporting agencies. They are leaving my credit vulnerable by letting me wait hours on hold to now not even get into a cue. I get a busy signal! I ca n't freeze it online with the same information that I supplied to the other XXXX companies. What is the problem? I want a freeze placed on my credit today and I want an apology for their ineptness and their role in further victimizing me and leaving me vulnerable to attack.
XXXX XXXX has that I owe money for medical from XXXX XXXX that have been paid through their program that pay the bills for you. I have been speaking to them for a few months about the following accounts.
I enrolled in autopay for Belk Credit Card. I received confirmation of enrollment in program via email. When bill was due they charged an interest fee and late fee and did not make authorized payment.
someone called Capitol One and changed my address and ordered new cards 4 times this month and every time Capitol One has sent the cards. I have had to spend over 10 hours on the phone correcting this each time. There is supposed to be alerts on my card that nobody is to make any changes to my account without Capitol One sending a 6 digit text to my phone for confirmation. they have never sent this and as recent as this week have sent cards again and changed my address.

My cards have already been used for fraudulent cash advances and they even had the nerve to charge me 16 twice to have the cards sent fast card.