WillisBack/dataset-financial-user-claim huggingface dataset:
I called the number on a letter I received XXXX/XXXX/15 dated XXXX/XXXX/15 confirming my on-line user name and the last XXXX digits of my ATM card number. It wanted me to confirm the information and tell me about the services. I contacted the number on the letter XXXX. Spoke to a XXXX in XXXX XXXX and asked what the letter meant. He stated they do n't send these type of letters out. I also ask him why they closed all the ATMs in XXXX and XXXX states. There are no branches either. I am unable to deposit money directly in my Citibank account. Now, I have to pay money for my another bank account XXXX XXXX or XXXX XXXX to transfer money into the Citibank account for my daughter who lives in XXXX XXXX. This gets costly for a person on Social Security XXXX and my husband is retired on Social Security too. Please tell me why they did this.
I am behind on my mortgage due to an extended unemployment. I have been working with an HUD approved counselor during this period. I began receiving Social Security {$1600.00} and the HUD approved counselor applied for a Loan Modification with my loan servicer. The servicer came back with a monthly payment amount of {$1500.00}, which I can not afford to pay. The HUD counselor was told from the servicer that my Fannie Mae loan is n't based off of income to qualify. She attempted to contact XXXX XXXX, but was unable to verify what the loan servicer had communicated. I am nearing foreclosure and would like to remain in my home.
I cashed a check with Chase back in 2015 and contacted customer service to verify that the check was not fraudulent. The customer service representative said that their was no issue with the check and the funds were in my account and available for withdrawal so I withdrew {$1500.00} assuming that they were correct and three days later logged in to my account to find out I had been charged {$12.00} and the {$1500.00} because the check was fraudulent.
I purchased hair care products from XXXX XXXX which totaled {$140.00}. The products were paid in full in XXXX payments through my bank, XXXX. The payment sought now is {$54.00}. I have proof of all payment made. This company continues to hassass me. They have reported me to collection agencies. Documentation was sent via fax to the first collection agency, which was XXXX XXXX. Another agency sent a letter. The agency is SKO Brenner American, INC XXXX XXXX XXXX
I recently pulled my credit report and notice a fraudulent account on my credit profile by the name of   XXXX   XXXX   XXXX  . I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against Experian and the creditor because it 's an error and it 's a fraudulent account.
Just discovered via XXXX XXXX that you have put a collection on my credit report for {$2000.00} on XXXX XXXX. 
I have not used XXXX for any phone, cable or Internet connections. I have been with XXXX XXXX  for years and its all in my husbands name. 
Ive contacted the Collection Agencys and the Creditor directly XXXX XXXX which got me absolutely nowhere the collection company stated they have only Notes and couldnt provide me with sign documents on any of the information and or reason for the collection to be placed on my credit report I asked why they dont have documents and if they are able to contact cox to get them and email me them so I could have them to proceed further in this erroneous collection that has significantly dropped my credit score I am completely confused and mad at the creditor/collection agency who has not been able to provide probable support in order to place this on someones credit and ruin their score without contacting me prior or helping me with proper documents supporting the amount they have placed upon my credit reports. 
Im asking Please remove this collection from my credit report - it is not my debt ... not mine!!! Ive disputed it also with XXXX/XXXX  and XXXX also
We are in the process of completing a Short Sale applicationon our home as a necessity as my employer is relocating. Having followed all stages of the Short sale process and securing an offer with terms dictated by our OCWEN relationship manager, who assured us they would be approved, we now have an offer. Once the offer was submitted to OCWEN, our realtor was informed that the property would have to be listed on XXXX as a condition of approval. 
At no time were we informed verbally or in writing that this would be a condition of the approval. Due to the relocation aspect of this case, any involvement of a third party ( XXXX ) in the transaction would be in conflict with contracts we have outstanding with my employer and relocation company. It would also result in the existing, complete offer being retracted and leave us with no offer. We are in the process of contacting the ombudsman, to request support in our case to have the files returned to OCWEN but they are currently with a Third party without authorization from ourselves. Proceeding in the require process, of which we have never been informed, would result in jeopardizing both the offer sitting and the terms of my employment status.
Paid off my mortgage on XXXX XXXX 2015. Contacted customer service weeks ago inquiring about the PAID IN FULL LETTER and was told it was sent out weeks ago. Continued to call customer service a week ago and this time was told THERE IS NO INDICATION IN MY ACCOUNT RECORDS THAT THE LETTER WAS EVER SENT OUT. Called again this past Wednesday and this time was told by the supervisor that she would email it to me, but first she asked me WHY DO I NEED IT. All we want is the PAID IN FULL LETTER AND instructions on how do we obtain the DEED to the house. Have asked customer service about this but they are unwilling to answer my questions.
My father has defaulted on an auto loan with this creditor. The creditor is having a hard time finding their vehicle in order to reposes it. The creditor has sent a repossession agent to my house, my work, and has called my wife and I several times. I have explained to the creditor that I have no contact with my father nor do I have anything to do with their debt.. I have asked the creditor repeatedly to leave me alone and quit harassing me and they still wont quit.
I seen this company on my credit report Portfolio Recov Assoc and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
XXXX XXXX  XXXX. for breach of warranty under the Uniform Commercial Code.

Final measure in a long term probate case which involved a check written to the estate that was mishandled ; received and deposited into a personal checking bank account instead of an estate bank account. 

Check written XX/XX/2017 to the Estate of XXXX XXXX XXXX deceased in the amount of {$15000.00}. It was received by XXXX XXXX XX/XX/2017 and deposited into a personal checking account.
Hello, I would like to complain about PayPal Holdings , Inc. for a ) incorrectly conducting financial transactions resulting in charges to a wrong account, and b ) refusing to fix the issue after I reported it to the company. 

Specifically, I bought some services from a third party and used PayPal transaction system to pay for those services. I specifically selected my credit card ( a regular credit card issues by a major U.S. based bank ) as my payment sources. However, later I discovered that instead of charging my credit card PayPal used a different account to pay for those services. Specifically, the company used my PayPal balance. 

After I called the company on XX/XX/2018 at XXXX PST and talked to two support reps, XXXX and XXXX , and their supervisor XXXX , I was told that there is nothing PayPal can do to fix the incorrectly conducted transaction. 

I believe that any financial organization after being notified by a client about an incorrectly conducted financial transaction should remedy any mistakes made by cancelling incorrect transactions and conducting a new and correct transactions. Unfortunately, this is not the case with PayPal. 

I would appreciate if you can investigate this manner as PayPal is forcing consumers to use PayPal balance instead of external payment sources and doesn't notify about this before conducting transactions.
I do not know what company to send my XXXX mortgage loan payment to. I have received a transfer of servicing notice from XXXX Mortgage indicating that my XXXX XXXX mortgage payment is due to XXXX and I have received a Loan Billing Statement from LenderLive indicating that my XXXX payment is due to LenderLive. I believe that XXXX companies have violated RESPA, FDCPA, and UDAAP subjecting them to civil money penalties and they have created such confusion that I have no idea where to send my mortgage payment which now puts me at risk that my payment will be late or not applied to my loan properly.
My name is XXXX XXXX I'm writing in to file a complaint for identity theft. In XX/XX/XXXX a car loan was taken out in my name that i didn't take out. The only car loan that I have ever had was opened in XX/XX/XXXXthrough XXXX XXXX. This identity theft incident happened in XX/XX/XXXXwhen I put an ad out on XXXX to sell my furniture. I was relocating to XXXX, Ga. I filed a police report on XX/XX/XXXX because the person that bought the couch from me from XXXX had robbed my house of some goods and money. The attached police reports tells what happened. When I filed the police report I didn't know that the suspect had also stolen my Social Security Card, Birth Certificate, and state issued ID along with the other goods. I did not know about credit as I didn't have any need. I had bad credit from credit cards that I had in college and thought my credit was so bad that no creditor would even give me credit. In XX/XX/XXXXI was interested in the possibility of purchasing a house so I went to credit company to help. I didn't sign on with the company until XX/XX/XXXX and thats when I first was made aware that my identity had been stolen. Not only the car loan but it was also a XXXX XXXX bill and some other items that was on my report that were not opened by me. The company filed disputes to all three bureaus. I had went to get a police report from XXXX county but I wasn't sure of the dates of the first incident. Two of the three credit bureaus took the times off that were not my accounts but XXXX didn't take it off. Through XXXX I disputed twice. In XX/XX/XXXX I was in XXXX for the holidays and I went to get a copy the of the police report I initially filed and filed another police report about my stolen identity. I sent this information to XXXX and I contacted Credit Acceptance.  Credit Acceptance said they would send me a fraud kit and never did. XXXX even with the police reports did not remove the account. Then I received a letter from Credit Acceptance that says it was no fraud. Im very frustrated my interest rates are sky high and I have been denied several times because of this account. Can you please help me. Thanks XXXX XXXX
SPS did not tell me ( written or verbally ) that my house was put in foreclosure. I did not recieve any certified letters or anytging. SPS took it upon themselves to notify XXXX XXXX XXXX XXXX an attorney and counselor at law to put my house in foreclosure. I have an attached letter stating that XXXX XXXX sent dated the foreclosure letter for XXXX XXXX2017. I called SPS and they told me they did not know why XXXX XXXX sent the foreclosure letter without their approval or before they informed me of the foreclosure date. I am in a predatory loan and at new law was passed that protects homeowneemrs against predatory lending and any interest rate over 5.5 % is considered predatory. I have a 8 % loan SPS should be informed that it I am a victim of predatory lending I can sue the bank. Please, stop the foreclosure and give me a modification.
Bank of America ( XXXX ) will not close the claim from 2012, they have also duplicated the claim which is causing me not to be able to get home owners insurance anywhere else at an affordable price. I have spoke to numerous of agents with XXXX and told that it has been taken care of and when I try to get insurance from another carrier the claim information from 2012 is still showing.
A company called Transworld Systems Inc. sent me a letter in the mail claiming I owe {$560.00} to the OKLAHOMA TAX COMMISSION. 
I looked up this company and everything that comes up about them looks like they are a scam.
XXXX XXXX claims that I have two accounts One that still active and another that just showed up on my credit report of {$3.00} which they ca n't verify all the charges in writing. I have a police report that illegal charges are being done with my Home Depot credit card They said they sold one account to the collection agency, without even notified me about the charges. I called many times and email and was n't unable to get any answers
XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/XXXX I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX  letter are attached.
X/XX/17 The Honorable Consumer Financial Protection Bureau, 1. Please be advised that the joint tort feasors of XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, PNC BANK NATIONAL ASSOCIATION, SUPREME COURT OF THE STATE OF XXXX XXXX COUNTY OF XXXX have colluded to unlawfully force a private property forfeiture under color of law with deceptive practices causing daily physical and mental anguish by the threat of Being thrown out of or losing your home by a false debt. 2. Whereas, the family home or domicile has been scheduled to be sold by alleged Trustee and on the steps of the unconsented commercial court on XXXX XXXX, 2017. 3. Any judgement in favor for the alleged plaintiff is unjust and want of equity. 4. This action must be stayed and vacated with no encumbrance on said property arising from a foreclosure and the public reflecting such. All above tort feasors have clouded the title and caused daily harassment, slander, libel and disturbance of the peace by calls and letters seeking to buy a property up for sale. 5. The public officer of XXXX XXXX XXXX did not have an required Oath of Public Office require by NYS law. XXXX XXXX XXXX did admit that she was not acting judicially 2-3 times. 6. Jurisdiction was challenged and not answered.
I had a XXXX account and moved to an area that didn't offer it. I closed the account and they falsely charged me an early termination fee of {$120.00}. Over the next year we spoke to more than 12 different representatives, all of whom told me it would be removed. In XX/XX/XXXX I received a collections letter from XXXX XXXX for this charge. I called & spoke with XXXX and XXXX ( employee ID XXXX ) apologized and issued a {$200.00} credit to our account. ( Confirmation number XXXX ) I sent the letter and confirmation of credit to the credit agency. On XX/XX/XXXX I  received a letter from Southwest Credit stating that their investigation confirmed that this amount was due. I called and spoke with supervisor, XXXX, who stated that they did not own the debt & that there was nothing they could do. This is false, as XXXX XXXX is the agency that reported this on my report. I then called XXXX and was informed that they had improperly applied the credit to my account AGAIN.
XXXX allowed fraudulent charges to amount to {$1000.00} for service to an address I 've never lived. I thought the matter was settled with XXXX, I sent them : 1. Police report 2. proof of residency during the time the charges happened. 
3. proof of employment 4. a " fraud packet '' They then sold my debt to a collections agency that just sent me a notice.
On approximately XXXX XXXX, 2015 I purchased a computer from Best Buy for {$1000.00} and opened a best buy credit card at the same time. They told me that there would be NO interest for 12 months so I thought this was a good idea. I set up automatic withdrawals from my bank account. I have not checked my statements or anything until today when I see that my balance is ABOVE {$1000.00} more than a year later! After doing a bit of digging, I found out that they deferred my interest for the course of the year. So it accrued to be a lump sum of over {$300.00} which was then charged to my account! This is outrageous! Maybe there was fine print that I completely missed, but that 's not how this was pitched to me when I was sold on the credit card. Their fraudlent misrepresentations during the sales process have now caused this situation to manifest itself and I need to find a remedy.
I have a {$37.00} debt to a company called XXXX XXXX and is in collections by Credit Management? Or what ever it is. I have been trying to contact a XXXX XXXX in XXXX Mt. but phones have been disconnected and I have tried to find the name of the collection agency on the internet ... and???? What is going on? I have never used XXXX XXXX and do not know what services they even provide!!!! Some one please let me know ... It is only {$37.00} and I will pay it if I know what the bill is for!
letter Sent XXXX XXXX, 2016 XXXX XXXX - CEO XXXX XXXX - CEO, US XXXX XXXX - CEO, International Wal-Mart Stores , Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subj : Money Laundering by Walmart partner, Moneygram Payment Systems XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Gentlemen : We 've never met, but I 'm taking the time to write this letter on behalf of a customer, in the hope that you personally, and not just administrative staffers, will become more aware of the blatant fraud and money laundering activity occurring daily via Walmarts via Moneygram Payment Services. 

This story relates to my mother, XXXX XXXX XXXX of XXXX XXXX XXXX, age XXXX, for whom I have registered FPOA. Last week my mother was the unfortunate victim of a phone and internet fraud involving the loss of nearly {$8000.00}. Walmart was not strictly at fault in the several transactions that originated at your XXXX XXXX XXXX store via Moneygram. But nevertheless the transactions were fraudulent, aided and enabled by Moneygram, operating out of your store. 

I wo n't take the time to relate the entire sad story here. Suffice to say that via phone and Internet, my mother was induced to send cash via XXXX Moneygram transactions, to an unidentifiable name in XXXX. 

The Moneygram transactions, reported to law enforcement, were as follows : XXXX XXXX, 2016 XXXX {$1500.00} XXXX XXXX, 2016 XXXX {$1900.00} XXXX XXXX, 2016 XXXX {$1900.00} XXXX XXXX, 2016 XXXX {$1900.00} The series of incidents was first detected yesterday, XXXX XXXX. There is a XXXX XXXX XXXX police Theft report, # XXXX, and an FBI complaint, XXXX. It 's obviously quite embarrassing for my mother, but despite that we reported it to the appropriate authorities and are taking additional steps. 

I hope this letter has an impact on someone 's day at Walmart. Feel free to contact me at the address below. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cc : XXXX Department of Commerce Division of Financial institutions XXXX Consumer Protection Financial Bureau www.consumerfinance.com FBI
I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed XXXX month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5 days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.
Two or three weeks before XXXX, the Synchrony Bank fraud department suspended my credit card, issued through Walmart, because they detected fraud. After repeated phone calls and emails, I still do n't know why. The activity on the account for that month was fairly standard for amounts spent and items purchased. I was never given any warning, and, at some point, was completely shut out of my account. After the fourth phone call, after being mailed a security code, I was allowed onto my account, which satisfied THEM. I am still boiling and have not used the account since.
I filled out a complaint on XXXX XXXX on XXXX  Complaint # XXXX and was seen if yall can send my respond to this email XXXX   cause I cant log in that one to see what they said and really need the complaint feel they just trying to stay on my credit long and show wrong amount owed