WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2018 I started a money transfer overseas to myself ( I 've been living abroad for about a year ) as I have done several times in the past year through Western Union without any issues. Then I received an email asking for a government issue ID which I provided a copy of my U.S passport. I got an email a little later approving the transaction. Then on the day that I was promised that the transferred money would arrive at a local Western Union branch in XXXX for me to pick up I received an email from Western Union stating they were withholding my money. I called the hotline XXXX and spoke with their representative. They told me they needed more information and would want to do an interview with me. I thought that was odd as I have done over 10 transactions with Western Union over the year and had no issues. I requested to know why the interview was needed and the customer rep told me that it was an internal procedure. She then started asking personal questions such as why did I need the money and whether if I was employed and if I had other sources of income. I thought that it was odd for a company like Western Union to ask a customers these questions especially this was not my first transaction and the amount was only {$4000.00}. I told her I needed money to live overseas since I am living in another country. At that point I was fed up with the interrogation and questioning of my own money and what I was gon na do with my money. I do n't think Western Union has a right to ask these questions or if they think they do then they need to list that up front on their website. No where on their website when I did the transfer indicates that they were going interrogate people if they were sending money to themselves.
I applied by phone with Frost loan rep and completed application. I was told later that they were unable to open up a credit report with XXXX. I contacted the company and they assured me there was no problem and that the merchant needs to call if there any problem. I never had a freeze alert on my credit report but once again Frost attenpted to open file and came back with some result. I once again contacted XXXX and they told me it was not a problem on their end. They reset my file and now it been ready for review but I asked Frost bank to run my file again and they claimed same problem and made no effort to seek solution to them being unable to open file. I requested for XXXX to provide me with my report and at the same time Frost bank claimed they was attempting to work around this by seeking an answer thru their tech department. When I received a call from Frost rep they claimed they still was not able to open account and I asked why want they consider the other reporting agency 's file. They claimed it was their policy only to use XXXX. I then get a call from Frost bank rep claiming since they were unable to open file and they gather since information from somewhere they was offering me less then the amount I requested. I was applaud since i have a great deal of credit history no past due all paid as agreed and enough income to support the amount I requested. I requested XXXX and they was trying to counter with XXXX without no just cause other then that what we decided. Thurout this process it appeared unfair and unjust since there was no cause for concern with any prior loan or line if credit I have. My debt to ratio is only XXXX on one credit card and my income is XXXX. You do the math and determine why this stall approach and then offer an counter after they claimed they were unable to review my account. They made several hard line inquires as well and have avoid the main question why was they not able to open my account. And how are they making a decision based on no account now.
I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX  about what was appearing on my report as well as disputed the era with XXXX. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My XXXX  report was corrected as well. However, now on my XXXX  report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now XXXX is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help
This company has attempted to collect a debt which is not mine, it is not my name but my social security number. There has been some mistake or my identity has been stolen. I have attempted to correct this matter several times with no success.
Ocwen Financial keeps claiming they have not received proof of insurance on our property. However, our insurance company has sent them proof via mail AND fax four times ( and they have n't submission confirmations for the faxes ). I have called Ocwen three times now and each time they say they do not have proof of insurance. I received certified mail from Ocwen today, saying this is the final notice before they purchase force placed insurance. This is extremely frustrating, as proof of insurance has been sent to them so many times over the last few months. Given Ocwen 's notorious history of fraud and abuse over the last three years, I would n't be surprised if Ocwen is intentionally " not receiving '' homeowners ' proof of insurance in order to make some money off the force placed insurance.
I made a couple of purchases of bitcoin through Coinbase 's  buy/sell feature and deposited to my Coinbase bitcoin wallet. My coinbase bitcoin wallet available balance reflects the amount of the deposits, however, I am unable to do anything with them. Initially Coinbase support told me that they just had to make sure the transactions cleared my bank. According to my bank the transactions have cleared. However, I am still unable to access my Coinbase bitcoin wallet for sending my bitcoin. Furthermore, now Bitcoin support is telling me it will 57 days before I will be able to do anything with the bitcoin in my wallet. They won't give me a reason other then they need to wait until the transactions have cleared my bank. When I phone them and tell them ( again ) that the transactions have cleared my bank they say there's nothing they can do - unacceptable. When I email them and tell them the transactions have cleared my bank with pictures showing proof of the cleared transactions, I get no reply from them. I've tried to close my account and have all funds transferred to a different wallet provider, however, Coinbase will not let me to this either. I basically consider them as having stole my money for 57 days or longer if they so choose. I wish I had researched them better before I decided to do " business '' with them.
Equifax has already had 60 days, lied on their results according to XXXX Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX since those XXXX banks claim that they never reported anything to Equifax due to ongoing investigations yet I have a copy of the letter that I sent to my lawyer who seems interested in why this has happened. All communications to me will cese as my lawyer is now incharge of communications now and for pending legal issues, I am unable to contact further.
My Chase Sapphire Reserve account includes rental car insurance. I had damage to a rental car in XX/XX/XXXX, was charged {$1600.00} by XXXX and submitted the claim to them, claim # XXXX on XX/XX/XXXX. I have sent all supporting documentation that they have asked for. Instead of responding within five business days as promised, they have ignored me for over a week. They have not paid the claim.
US Bank decided to significantly change the benefits of their XXXX XXXX card while I was out of the country. At the same time my annual fee was due and autopayed. I called in and was told by a customer service representative that because of the benefits change I could cancel my card and get a refund for the annual fee that was paid. I waited a few months but I never received a refund. I then called back and spoke to them again and they said they would look into it, but they denied my request. 

I was also told by the customer service representative that they would be eliminating the anniversary bonus of XXXX bonus points as well. It turns out that was a lie and they were not eliminating the anniversary bonus, so I did n't even get the bonus points for paying the fee because I was lied to.
My student loan payments as co-signer to Navient are not being posted timely resulting in erroneous late fees being charged. 

The stated due dates for payments are AFTER the next statement date so the statements never show my last payment but instead charge late fees because Navient didn't receive the payment that wasn't due yet by the statement date. THIS IS CLEAR FRAUD.
I have a C & XXXX against Midland and they still called my work cell phone. I attached the voicemail.
I 'm having issues getting results for my disputes i have called the credit bureaus numerous of times and they are refusing to help me every time i contact the credit bureau in regarding my disputes they give me the run around for ex. i called and asked for my results because it has been over 30 days the rep states it came back verified i asked for proof of the verification then the rep tell me that its still under investigation they refuse to provide me with the proof of the so called verification they give me different dates that i have called and disputed
www.coinbase.com I put my cryptocurrency ( ETH + LTC ) in their vault back in mid-XX/XX/XXXX. To be able to transfer them back from the vaults to my wallets I need to approve the transaction with two email-adresses. I am not able to approve with my secondary email, hence my coins have been locked up in the ETH/LTC vaults since I sent the first request to customer service on the XX/XX/XXXX. 44 days today without having resolved the issue. 

They say they have forwarded my case to an expert, but nothing is happening.
Upon paying for my vehicle at lease end a payment was taken from my bank account that was not due. 45 days after the payment was taken from my account I received a notice from XXXX XXXX stating that I am currently delinquent on the account and that I have been 30 days late. 

I called Toyota to let them know and they stated that I will have make a request in writing and that it may take 90 days to correct the discrepancy.
please find attached the documents for disputing inquiries i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. 
thank you
On XXXX XXXX, I checked my credit on XXXX XXXX and had only XXXX inquiry listed on my report ... XXXX had been removed. I checked my account again on XXXX and all XXXX had been reinserted without sending me a reinsertion letter as required by FCRA section 611. I have called to have it corrected and was told that I " was n't affected by the glitch ''. I then spoke to the special handling department who told me to fax a copy of the inquiry section of my report dated XXXX to TransUnion and upon receipt they would delete them. That was done a week ago and I still have these enquiries on my report. Some agents told me that they know what happened but it 's just " too bad '' and some have been downright rude.
I opened a a US Bank personal checking account in person on XX/XX/XXXX. I deposited {$25.00} in cash to both checking and savings.

OnXX/XX/XXXX I received a phone call from the bank rep that opened my account asking if I was able to get online banking set up and if I had any questions. That same day I transferred {$1400.00} from XXXX to checking account. 

On XX/XX/XXXX my debit card arrives but my checking and savings accounts disappear in online banking. 

On XX/XX/XXXX I am no longer able to log into online banking and get a message directing me to call US Bank. 

On XX/XX/XXXX I call US Bank and I'm told that " new accounts closed my account citing the terms and conditions that they can close accounts for any reason or no reason. I was told to call the local branch for more information. 

On XX/XX/XXXX I spoke with the local bank rep who opened my account who confirmed that the account was closed and that it was done under the " for any reason or no reason '' clause in the terms and conditions. I asked about my funds and she could not confirm that my {$1400.00} transfer completed or whether it was being mailed to me. She informed me that any cash I deposited " should be sent via check. '' Now my ~ {$1500.00} is in limbo due to US Bank 's policy of shutting down an account 2 weeks after opening. They will not cite a reason for the shutdown and the only transactions on the account are my original cash funding.
I deposited a check for XXXX XX/XX/XXXX, the check was returned XXXX/XXXX/XXXX therefore the XXXX was debited from my account. On XXXX/XXXX/XXXX XXXX was debited from my account again, stating the check deposited on XXXX/XXXX/XXXX was fraud. Hence, my account has been debited a total of XXXX. I immediately called to file a dispute and was told I needed to go to the branch. On XXXX/XXXX/XXXX I went to the branch and was advised I need to file a claim over the phone. I then filed a claim and was told to wait 7-10 days.. I waited. I called back and was told that claim was closed and another one was opened XXXX I was told to wait 2 weeks.. I waited. Today XXXX/XXXX/XXXX over a month later I called to check the claim and was advised by the claims department that because they only debited the account once and refunded the money to the person that wrote the check, if I wanted my XXXX back that was debited on XXXX/XXXX/XXXX I had to contact the branch because there was nothing they could do. I then called the XXXX Fl office where I have my account, I spoke with a XXXX who advised me I needed to come to the branch. I advised XXXX I have since moved to XXXX Oh and there are no branches here. I explained to her what I have been going through, she advised me she would forward to an escalations team to " look at it ''. By simply looking at my account it is plain to see Wells Fargo owes me XXXX. I have been charged a total of XXXX plus fees for a single check that was returned. WF got their money out of my account 4 days after the check was deposited, there was no reason to debit my account the second time.
PayPal has a purchase protection program and resolution service. It is not clear whether it actually fulfills its promise in the contract to provide a genuine or real purchase protection program. My complaint through their resolution program seems to be a joke in that their responses are always in a form letter response, and responses from them have no relation to my complaint or case. In the case of " Item Not as Described '' I received a defective instrument costing {$7100.00} and provided pictures of the defect. They immediately declined to provide protection claiming the third party documentation did not meet their standards when I had not even sent a third party opinion nor had they asked for one. I sent photographs by mail, by email and through PayPal 's Resolution Center. Their decisions are not explained at all, just form letters that are irrelevant. In an obvious case of fraud ( seller claimed that the returned item was damaged in transit when the Post Office and photos confirm it was not damaged at all ) PayPal ignored the claim. In two cases of photos showing manufacturing defects, they apparently did not even look at the photographs. The process of relying on their Resolution Center is cloudy and unfriendly. I believe it is a fraud that they offer protection when they in fact do not.
We are having issues because our mortgage was sold from XXXX to LoanCare and we are unable to get an answer from LoanCare on how to access home repair escrow funds. 

On XX/XX/XXXX we incurred a loss to our fence, not the home structure, and as XXXX does we filed a claim with our homeowner 's insurance and were issued a check to complete repairs. Because the repairs were over a certain amount our original mortgage company, XXXX, held the funds in escrow until the repairs are complete. XX/XX/XXXX/XX/XX/XXXX the mortgage was sold from XXXX to LoanCare. As of today, XX/XX/XXXX, are unable to get a straight answer from LoanCare on how to access home repair escrow funds. 

I have called multiple times and waited hours on hold to speak to an agent. Out of the XXXX agents from LoanCare that I have been able to speak to on the phone, I have received XXXX different answers on how to proceed. I have asked for a letter outlining the procedure but as of today, XX/XX/XXXX, still have not received such letter. 

Compounding this issue is that we have until XX/XX/XXXX to complete repairs or the monies will be returned to the homeowner 's insurance. At this point we are unable to continue with the repair as the remainder of the money is in escrow and I can get no clear guidance on how to proceed with the claim. 

My husband and I are responsible homeowners who pay our mortgage and maintain our home, but our family can not afford to incur the cost of having the fence repaired due to a lack of customer care and respect on the part of LoanCare Mortgage. 

Please contact me at XXXX regarding this matter.
Paying extremely high PMI for 11 years on my mortgage loan. I questioned the amount and have not been provided with any response as of XXXX/XXXX/XXXX. Also, Escrow amount seems excessive since XX/XX/XXXX and I am unable to reconcile what the increase is attributed to at this time.
I have attempted multiple times to address this error with XXXX XXXX XXXX XXXX ( XXXX ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). XXXX needs to delete this innacurate information from all 3 of my credit reports immediately. 

I have a settlement agreement with XXXX entered on XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my XXXX report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}. 

FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed.

Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' ....

# 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal.

Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX XXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}.

During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with XXXX, this is devastating news.
In XX/XX/XXXX, I received an email invitation to apply for an AmEx Skymiles Gold Card with a bonus of XXXX Delta Skymiles after spending {$1000.00} in the 1st 3 months. The day I received my new Gold Card on XX/XX/XXXX, I received in the mail another offer for XXXX Skymiles from AmEx. I immediately called AmEx and asked if I could be eligible for the XXXX mile bonus instead of the XXXX mile bonus. According to the customer service representatives, they were going to open a case to investigate. 
I followed up with a live chat with AmEx on XX/XX/XXXX during which I was told the case was still open and they were trying to get me the XXXX mile bonus. 
I had my second live chat with AmEx on XX/XX/XXXX and was told by the representative that a detailed note was placed in my account and to check back in a few days. 
My last live chat with AmEx was on XX/XX/XXXX when I was told the two offers that were addressed and sent to me were not available to me because I had previously had an AmEx card. My previous card was cancelled in XXXX. When I asked why offers were sent to me that I could not get, I was told the offers are sent by the marketing department and have nothing to do with new or existing accounts. I immediately cancelled my card and requested to be removed from all future advertising and marketing, mail, email, or phone calls. 
On XX/XX/XXXX, I received a marketing mailer from AmEx, even after being assured that I would be removed from their marketing lists. 
Although I did finally find the small ( minuscule ) print indicating previous card holders could not receive the bonus in the offers I received, I still find it incredibly deceptive that 2 different offers for bonuses, personally addressed to me, were knowingly sent with the intent that I could not receive the " bonus '' that was being advertised. I also believe that AmEx wanted to keep stringing me along with the " open case '' story long enough to get me to pay the {$95.00} annual fee.
I was approved for a trial modification that had payments due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 with Bank of America for my second mortgage. I made all XXXX trial payments on time and they never finalized my loan modification. I have not received any paperwork or letters advising me what is going on. I hired an attorney and my attorney states Bank of America when called simply hangs up on the line once the computer system identifies my loan. Today is now XXXX days since I finished my trial and they took {$3600.00} from me and now are not responding to my request for a final modification.