WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I attempted to send {$700.00} to XXXX on XX/XX/XXXX and there was a last name error on the transfer. I contacted Western Union and they told me I could not make major adjustments and that I'll have to cancel the transaction, get a refund and resend. I agreed and authorized the customer rep. to cancel the transaction. Immediately after the cancellation, I got an email saying my transaction is cancelled and that I should expect a refund in 7 business days maximum. Western Union also told me to expect an email confirmation that the funds have been sent. I never got the email confirmation. After the 7 business days, I contacted WU, via chat, repeatedly that I still don't have my funds. They told me they sent it and my bank should have it. Not true, as at today, XX/XX/2018, there still can not confirm to me that they have sent the funds or where my funds are. Everybody I contact seem no to have any information. They always promise to escalate but nothing happens. They even told me to send my bank statement to some email, to prove I'm not lying I believe. This is over the pale and I hope you can assist.
NOTE : I am no liable for this account since my information was used by a family member, XXXX has sent me a " Lease agreement '' with date of transaction, with my " electronic '' signature not it. No hand written signature provided which does not prove I signed that lease.

I have sent multiple letters to XXXX, XXXX, and XXXX in regards to this debt. I have asked them multiple times to " Verify '' this debt. The first time they have removed it. I believe a couple weeks later they have added the debt back on to my credit report, then removed then added, which has significantly damaged my credit score after hard work of building it. XXXX has done this multiple times which resulted in decreasing my score significantly. I have sent them a re-insertion letter, explaining that if they had already removed a collections account that is still " Unverified '' that it should stay removed under FCRA! I am currently in the process of getting this account removed from my credit report since, 1. I am not liable for it.

2. it is stopping me from establishing good credit.

I have also contacted via letters the creditor directly so they can also verify this account.

Debt is listed on all 3 of my credit reports under : Security Credit Services - Amount is {$820.00} Original Creditor 09 XXXX XXXX
Quicken Loans on multiple occasions mislead me about total closing costs. On XX/XX/XXXX i was contacted by a rep insisting my closing costs would be {$2600.00}, but would only send me paperwork listing it at over {$4000.00}. Without any explanation as to where the {$1400.00} disappeared to.
I have been in my home for 18 months. On XXXX XXXX, XXXX the current servicer of my mortgage ran an escrow analysis that resulted in my monthly mortgage payment doubling from {$1400.00} to {$2900.00}. This was reportedly the result of the XXXX property taxes being grossly underestimated in the payment schedule presented to me. I have a 30-year conventional loan with a fixed interest rate. The new payment of {$2900.00} is being imposed over 12 months in order to reimburse the XXXX Escrow shortage and to make the XXXX Escrow balance current. My finances will not allow me to make these substantially increased payments on this mortgage at the new monthly payment. The home I bought was a new construction home direct from the builder and I used a mortgage banker that the builder considered to be preferred. I went ahead and used this mortgage banker to originate and fund the loan and upon closing the deal, the mortgage was sold to another financial institution who now services the loan. At closing, the Title Company included a Payment Shock Notice, which makes mention to an expectation for bills to increase substantially and my monthly escrow payment could be much higher. These terms are very ambiguous and the increase I experienced is not substantial, it is tremendous and I feel, in no way should be considered reasonable to impose on a consumer. My inability to afford this new payment will cause me to immediately default on the mortgage, it will cause financial turmoil, and will cause immeasurable disruption to my family. It appears that there was an error on part of either the mortgage banker who wrote the original loan, or the current mortgage servicer that took over the loan. This situation is absolutely unreasonable, and my family is the victim of a massive mistake that was made by a professional organization that we trusted to handle the transaction of purchasing a home.
SunTrust after being a customer for 20 years, with sole income for my XXXX direct deposited every month with no problems, suddenly had a fraudulent overdraft fee. I went to the local branch and they agreed to remove the fee, but 6 days later got an extended overdraft fee. Now I have XXXX more overdraft fees which would not have occurred if they followed through on their agreement. I live check to check and have alsways been careful in balancing my ledger and had sufficient funds from the very first overdraft fee. No one will abide by agreement and keep taking my money. I will not be able to pay XX/XX/XXXX bills thanks to them. I have learned that they have a patern targeting low-income individuals, particularly the elderly/disabled reordering and misrepresentation of account balances.
Portfolio Debt Recovery repeatedly harasses me by calling ( usually every other day ) despite being told that they are not legally able to enforce this debt! It was included in my husband 's bankruptcy and is considered community property here in CA according to community claims pursuant to 11 USC 524. This company was not only provided verbal notification including bankruptcy discharge number but also written notification that any attempt to collect this debt that was discharged in a bankruptcy inXX/XX/XXXX2015 is illegal. However, this has not deterred them and they relentlessly call and send notices still trying to collect this debt.
I do not understand how can a statement from XXXX XXXX which I never had this account with XXXX XXXX be validation. I have a current account good standings with XXXX XXXX but never this one. When was the last payment made on this account? The statement doesn't provide any validation at all.
I received a call on XX/XX/19 from a angry woman. This is HARASSMENT. 

I was never told orally or in writing I had the right to earn interest on my funds deposited. 

2 ) I had the right to withdraw any of my funds on deposit at anytime without penalty. 

3 ) The XXXX XXXX XXXX XXXX is not affiliated with them at all. 

This. Ocompany continues to call and harass me without providing me any of my requests for an account payment history and account audits.
Office Depot Credit Plan has closed my account after " review '' of my credit report from XXXX. Complaint made on them separately. Account was not late, had a XXXX balance and paid as agreed since I have had the account.
BYL Collection Services violated my rights by never contacting me regarding a debt that has supposedly been sent to them for collections. They place a collection account on my credit report without proper notification that I owed a debt with them. They never sent me any billing statements and still have not sent me any billing statements or notification I owe a debt with them. I found out through my credit report monitoring service that they placed a collection account on all  XXXX  of my credit reports. I never had an opportunity to dispute the debt which they claim I owe nor have been given an opportunity to ask for proof of the debt with them. They have violated the FDCPA and the FCRA! Due to their unlawful practice I have been denied credit and my credit scores have dropped significantly! After review of the CFPB website it appears this is a typical practice of this company for violating consumer rights under both of these acts and I will be contacting an attorney regarding filing a class action lawsuit!
Hello and thank you for your consideration. I noticed an item that was sent to collections as a charged off debt from XXXX. However, this alleged debt was settled prior to terminating my contract with this company. Prior to closing the account, I made a payment of {$160.00} to XXXX and was told that this satisfied all outstanding charges. I have tried to contact XXXX and they have refused to validate the debt. The debt was transferred to a company called Amsher Collection Services. Both Amsher and XXXX have refused to validate the debt owed or provide any documents proving the alleged debt.
Equifax suffered a data breach that affected 143 million people that are under its service. I used the tool on their page, XXXX XXXX XXXX, to check if this breach has any impact on my ( provided my last name and last 6 of my social security ), it seems that I am possibly impacted by it. All my information including social security number and financial information has potentially been leaked out by Equifax and this is unacceptable. Equifax is trusted with such vital information for such a large percentage of the population, and its unbelievable that a security breach like this was able to happen.
I 've mailed Equifax validation letters for them to validate the information Equifax yet has provided me with anything. I 've called Equifax to to discuss the matter as Equifax has not did anything. There are accounts that were disputed and closed on all three credit reports and Equifax had not deleted the accounts. The collection agencies have closed the accounts. There are accounts that were closed in XX/XX/XXXX up until now Equifax has not deleted and updated the accounts.
I consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over XXXX XXXX XXXX. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for XXXX years.
I 'm having some major issues with an outdated, past the statue from the XXXX and unverifiable account listed on my credit file. The accounts XXXX # XXXX - Outdated and no XXXX # XXXX Outdated and no XXXX # XXXX Outdated and no verificationCredit Protection # XXXX - Not even mine I have current service with XXXX and my account is always paid as agreed or they would cancel service
The 2nd lette r indicates date of service as being  X/X/16   . I was NO longer in the hospital at the time. As I indicated on my  XX/XX/16    letter, I had  XXXX   XXXX  but as soon as I no longer had insurance due to some error on their part I was released from the hospital although I was still in a compromising condition I consider this a negligent behavior on part of the medical center.  <P/> This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them.  < P/>
Their offices have reported invalidated information to any of the 3 major Credit Bureaus (  XXXX ,  XXXX  or  XXXX  ) this action might constitute fraud under both Federal and State Laws. The state attorney and insurance commissioner I am sure would be happy with the billing practi  ces.
For a while now, I have file several disputes with Equifax about XXXX XXXX inaccurate account balance and still no change. The results were, the account belong to me, when I 've never said it did n't, and/or the balance of this item has been updated but the balance amount was never changed, it reflects was the same amount, which makes me believe that there was never an investigation completed. 

I 've even sent a copy of my dispute filed with CFPB to Equifax, along with XXXX XXXX response to suspend collections and the account still have not been removed fro my credit report.
XXXX agreed to remove this debt from my record. This should never have been sent to collections in the first place. It was a case of overbilling. I have paid my XXXX bills in full to them.
XX/XX/XXXX17 XXXX XXXX XXXX XXXX placed a hard inquiry on my XXXX report. I have called the company two different times and was told by two different representatives that XXXX XXXX XXXX is a department that does n't exist. The representatives each told me that it 's nothing that they can do and to call the reporting bureaus. The only credit report it 's showing up on is transunion. I have called transunion numerous times and the representatives are not willing to help either. Transunion is telling me that they do n't dispute inquiries and to call XXXX.
They are showing a collection account as unpaid with a {$630.00} balance and are telling me they have contacted the original creditor along with the collection agency and verified it. I have contacted original credit and the collection agency and they both have that the account was paid in full with a {$0.00} balance. Equifax will not correct my credit report
Calling from XXXX repeated times. Just this week so far, phone captured XXXX at XXXX and XXXX at XXXX. They have also threatened to take me to court.
Let me say first that I have already checked and AM COMPLETELY ELIGIBLE FOR THE HARP LOAN PROGRAM.   With that said : I was looking for information on the HARP loan program. I was on an advertisemtment page this page :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   reading information about HARP. The link on this page took me to this page :   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   The HARP Program is being used to BAIT PEOPLE where their true motive is to write VA loans.   This advertisement is both misleading and  FALSE ADVERTISING. I n addition they used my information to do a HARD inquirey on my credit record. I ONLY authorized them to do a soft pull for purposes of using the information for HARP.
While on vacation, I purchased cosmetic cream in from  XXXX   XXXX  in  XXXX   XXXX  Florida. When I returned home to Arizona and opened the package, I discovered that the container was empty and there was no cream. I disputed the charge but my dispute was disallowed because the sales receipt required that an unopened package be returned within 14 days of purchase. The merchant, in writing, solely relied on the return policy and never denied that the container was empty. Nevertheless, the credit card issuer [  Citibank ]  denied my dispute even though I received nothing for my payment of {$260.00}. I contacted the office of th e President of Citibank , N.A . I received a call from a member of the Executive   Response Unit  who continued to deny my dispute, this was followed up by a confirming letter. My next reply to the office of the President was responded to by another call from the same employee. The caller left a message but never responded to my multiple return calls and e-mail. I timely paid this bill in full in order to preserve my excellent credit rating.
Bank of America placed an inquiry on my XXXX credit file dated On XX/XX/2018 without a " permissible purpose and this needs to be removed
I was a few days late on my bill ; it was posted to my account on the XXXX/XXXX/16. Since my payment posted, I recieved 11 phone calls from XXXX different phone numbers telling me my payment is due. The numbers they call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not answer all calls ; the calls I did not answer were verified through research ... not one message was left.
In XX/XX/XXXX, I took out an auto loan through TD Bank for aXX/XX/XXXX XXXX XXXX XXXX. In XX/XX/XXXX, with less than {$2500.00} owed, I had to file Chapter XXXX  bankruptcy because TD Bank refused to work out a payment plan on the remaining balance. That Bankruptcy was discharged and in XX/XX/XXXX, I filed for Ch-XXXX  Bankruptcy to obtain a payment plan to payoff the TD Autoloan as they refused to restructure or give me any type of affordable payment plan. My Ch-XXXX was completed in XX/XX/XXXX and I was issued a final report showing that TD received the balance in full of their claim. I have been trying for 2 years to have TD Bank release the title to my vehicle to which they have vehemently refused. I have spoken to managers, customer service people, branch staff and at this point am considering legal action.
On XX/XX/2017, I had a medical appt with XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX whereby his office was to bill my insurance company, XXXX XXXX since the visit was pre-approved and he was listed as my primary care physician. 

Although I have had several appts since that date, his office, XXXX XXXX XXXX continued for several months to send the {$180.00} invoice to my residence. Each month upon receipt of the invoice, I contacted Access as to why the bill had not yet been paid. 

Each month, the ins co indicated that the provider has incorrectly coded the visit. They assured me that once the provider submits the correct info, they are happy to pay the invoice since I most certainly have coverage. I am also told to disregard the bill and that because I am on XXXX, it is against the law for the provider to bill or harass me for payment. 

This same loop has gone on monthly for over one YEAR, during which time, the bill was sent to Collections and I have had to communicate the same info to them. Finally, the last 2 months, I had XXXX on a 3 way call to resolve this situation. The Collections Agency-Emerald AR Systems, the provider-XXXX  XXXX XXXX XXXX XXXX, the med ins co-XXXX XXXX, and I all understood that it is the provider who has REFUSED to submit the necessary info for the bill to be paid. I was again told by XXXX that I am not liable nor should I have to deal with this monthly aggravation, and that all parties are on board as to what needs to be done on their part to resolve the bill months ago! 

Just yesterday, I received ANOTHER letter from Emerald AR Systems, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX stating that the provider has closed the acct and directs the Collection Agency to collect from me. The acct # XXXX Please help because the incompetence and the refusal to submit the appropriate claim for payment is shocking and I am being unduly harassed.
Barclaycard offered balance transfer and home improvement checks with a promotional low fee rate with deferred payment until XX/XX/2018. I wrote XXXX checks totaling {$5900.00} to contractors. The checks were denied by Barclay for suspicious activity without contacting me prior. Barclay charged my account a {$27.00} fee for " returned check '', which they refuse to reimburse due to their own cancellation of checks they offered us to use. The bank claims the contractors banks could have been the ones who rejected the checks, but offered no proof. The banks are profiting from issuing checks they have no intention of honoring.
For starters they continued to call me and harass me after being told to leave me alone and that I was XXXX and that if they continued they would cause me XXXX and they continued to the point I lived in utter fear of them and of having a XXXX second they threatened small claims and judgment for years making no attempt to do so until now using max time available to intimidate third statute of limitations in south dakota is 6 years on open accounts they just now on XX/XX/XXXX filed small claims some of these medical bills they are going after stem back to XX/XX/XXXX and they are trying to get a judgement simply so they can harass bully and intimidate for another seven years third these bills are because the original medical company did not file with insurance companies correct with countless attempts to fix these bills should n't even exsist
XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

The original creditor is listed as XXXX XXXX. I have NEVER had an account with this company. 

I disputed it and the company said the debt is correct. How can they add something to MY credit report when I have NEVER had an account with them?
I have deal with Chase for some time, trying to work out a modification agreement. The have been very difficult to deal with and they seem not to want to actually deal with the customers. I always get a new person assigned to my file, and now I have a sale action date of XXXX XXXX 2015. I still want to keep my home. Their executive office is difficult to deal with as well, even though they own the loan and there is no third party investor. 
I contend that Chase offered me a modification agreement last summer that I accepted with their on line portal, however they sent in writing a modification offer that was $ XXXX/mth higher than what I accepted on line. I asked for an explanation and inquired to Chase what happened to the first offer, but they took the stance that they would only acknowledge the second offer they sent. I still made all the trial payments, in the good faith that they would see the error and honor the first set of modification terms. By XXXX they still did not acknowledge the first offer, even though it was still showing online ( of which I have screen prints to show ) and would no longer accept payments from me after I made all of the trial payments. 
I have been trying since XXXX to have asstiance with someone in helping with Chase as they seem to hold all the cards. Chase owns the loan there 's is no 3rd party investor, so they can do whatever they want, which is to foreclose. It is clear this is the way they do business as evident with the numerous settlements for XXXX of dollars including the XXXX XXXX dollar Mortgage Foreclosure Settlement. They have gotten me to accept one offer they switched it with another more expensive offer, it has been a classic bait and switch situation. It seems this happened all too often in communities like ours, right now there are XXXX empty foreclosed homes on my block ... I do n't want to be the XXXX XXXX. I must speak out and fight on with this because I know I am not the only one who has been victimized by Chase Bank like they, and they need to be called out on it. I simply want to keep my home of XXXX years and for them to honor the terms of the first modification agreement they offered. I am asking for any assistance that you can give in this matter, please feel free to contact me so I can send you any documentation that you may need. Your help is appreciated, Thank you
The credit bureaus are reporting a bankruptcy on my reports but the courts does not verify bankruptcys, the court told me they do not verify that information. Therefore that information was pulled out from a third party reporting agency therefore it must be deleted from all three credits bureaus. I would appreciate it once deleted I would like to receive proof via email. 
My email address is XXXX