WillisBack/dataset-financial-user-claim huggingface dataset:
I transferred money via Xoom.com in the value of {$100.00} plus {$4.00} transaction fee for a total {$100.00}. It was supposed to be paid in the XXXX in the value of dollars. When the person went to pick up the money the receiving bank wanted to pay it in pesos. The person refused the transaction and it was never completed. Xoom.com charged my account the full amount of {$100.00}. That is not correct they never gave us the money but yet took it out of my account. This is called robbery. I want my money put back into my account. The receiving bank even sent Xoom.com an email advising them that the transaction was never paid out. Yet they still refuse to give me back my money.
I wanted to cancel a gym membership at XXXX in XXXX FL, due to a major car accident injury that I suffered. I had to cancel after the seventh month of the the XXXX year contract. To cancel they wanted to charge me {$500.00} plus. I refused to pay that amount and now they are harassing me by giving my number to debt collectors that call constantly to threaten me of ruining my credit and filing suits. I think this is fraud and a very low move by this chain of gymnasiums. I hope someone drops the law on them because they need to be stopped.
I never received a letter from Americollect regarding the debt that they are reporting on my credit report. This debt was removed in 2016 and has been reinserted without me being notified in writing. The debt has never been validated. Americollect does not have a contract nor have they sent me a contract baring my signature binding me to their debt that they are illegally reporting on my credit report! This is a violation of the FCRA. The original creditor is XXXX XXXX XXXX. I have never received a debt validation letter from Americollect. I have not received a signed contract between Americollect and XXXX XXXX XXXX that grants Americollect to collect on this debt. Verification that this debt was sold or assigned to a debt collector. In US law encyclopedia the America jurisprudence 73 an Jur 2d Sections 90-93 it says that one can not subrogate onto a contract that they were not originally on and did not have any interest to protect and claim successor.
I received a phone call at XXXX XXXX XXXX on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of XXXX XXXX, XXXX XXXX XXXX, XXXX, phone XXXX ). The call alleged that I was named in a judgment hearing by Discover Card, for a debt that was almost twenty years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost twenty-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX
I disputed my XXXX report via certified mail in XX/XX/XXXX and Also XX/XX/XXXX CFPB case number XXXX
Hello, My wife and I researched credit cards after we got married to move from individual to joint financials. We found the American Express Blue Cash Preferred Card online and deemed it to be the best suited for out needs. The promotion at the time was 6 % back at U.S. Supermakets ( up to {$360.00} a year ), 3 % can back at U.S. gas stations and 1 % everywhere else. The card is normally a {$95.00} annual fee but this particular promotion, on the American Express website, was 1st year free plus a {$200.00} statement credit after the first {$1000.00} of purchases. We applied for the card and were approved. We were thensubsequently charged the {$95.00} for the 1st year membership. We both have called numerous times about the charge requesting the reimbursement. The first call resulted in them opening up a review that took 6+ weeks, we received no call, and they closed it without resolution. After 8 weeks and two statements, and no {$95.00} credit, I called back. This time I spoke with a manager who worked with me on the phone to clarify and find the actual promotion they posted on their website. At first she claimed that no promotion ever existed. They magically, she found it, and confirmed it ran for almost 4 months on their website. She provided me the offer code and confirmed that we did in fact apply during the promo period and that I would receive the {$95.00} credit in 6 weeks. We are now around 7-8 weeks later and still no credit. The promo code I was given is : XXXX Sadly, for Amex, I acutally took a screen shot of the offer as well! Which clearly shows the promotion and terms for the card that we not only applied for but were also approved. 

I have called roughly 5 times and have been given nothing but more delays, empty promises of return phone calls and credits that never happen. This is unacceptable. If you aren't going to follow thru with your promotions they should not be offered. And if you aren't going to follow thru on your own accord, you should definitely do it after someone calls and you confirm as a company you are in error.
On my credit report on XXXX, my student loan debt is double the amount that it should be at this time. I contacted XXXX and transunion about the problem. 
I contacted TransUnion because XXXX lets me know that all information on the report come from transunion. Transunion reported to me that they had my debt at XXXX.and XXXX has my debt at XXXX I informed both websites of the problem and nothing has happened. TransUnion has the same debt on their report XXXX, it is upon the report as XXXX ( XXXX XXXX, 2013 ) and it is also on the report in individual loans that equal XXXX I never had XXXX loan of {$18000.00} at one time. I had individual loans that equal XXXX. 
This mistake has caused me to be denied credit and employment.
On XXXX XXXX at XXXX XXXX I made a cash deposit of {$1000.00}, all in {$100.00} bills at a Chase ATM. The ATM then ate the cash, all of which was new and did not have staples or any metal pieces to interfere with the transaction. 

The machine then printed a receipt that confirms a deposit was made, but not the amount, that the machine " has experienced a technical error '' and that I should call Chase customer claims. I did that immediately, explained the situation, and was credited {$1000.00} while they " investigated my claim. '' Two weeks later on the XXXX, Chase sent me an email saying the investigation was complete and that the XXXX credit would be removed, and that was the last of the matter. 

I have called the claims department, branch manager, supervisors, and all have told me that 1. the footage of my transaction has not been reviewed 2. the cameras in the bank are pointed at my face, not at the money, so there is no way to review the cash I physically deposited. 

I asked XXXX supervisor why, if Chase ATMs can just swallow a client 's money and there 's no way to prove it on camera what happened, why should anyone use Chase ATMs? She told me " I do n't use the ATMs, they can break. '' I can not believe that a major organization like Chase would be so unable to confirm a deposit made at an ATM inside XXXX of it 's branches, in the middle of XXXX.
I've requested multiple times to remove my PMI with Freedom Mortgage. I'm well under the 78 % Loan to Value requirement and it's been two years. I bought my home in XX/XX/2016 and it was in slight disrepair for {$220000.00} and have since made improvements. Even the appraisal at the time was {$240000.00}. I've since added a home equity through another company. The company did a full appraisal. Since then, I've sent this appraisal to Freedom Mortgage and they refuse to remove my PMI unless I buy and appraisal from them for another $ 400+. This is completely unreasonable. There is plenty of ebeidnce available in the market to show that my value is at least the {$260000.00} needed to remove PMI. Full appraisal from new company came in at {$280000.00}. This kind of practice needs to stop for good borrowers.
My wife had a XXXX and paid the bills late for XX/XX/XXXX/XX/XX/XXXX. Onemain Financial was notified. They were also notified to only call my cell. XXXX called my work, all XXXX references listed and left personal information on my friends and families voicemail. It was both crazy and psychotic. The more you said do n't do that ... The more aggressive she became. My family friends and co-workers felt harassed and I am embarrassed over 2 weeks!!
In XXXX of 2017, I chose not to move forward with XXXX as my cellphone carrier. I had a certain amount of days to return an XXXX XXXX XXXX ( 128 GB ) before I was no longer allowed to get out of the contract. The device was returned to XXXX corporate store in XXXX, NY. The XXXX customer service representative that assisted me that day, whom was responsible for properly documenting that the device was returned, failed to do so. From XX/XX/XXXX to XX/XX/XXXX, I contacted XXXX over 10 times to notify them that I no longer had that phone in my possession. In XX/XX/XXXX, to my surprise, I got a letter in the mail stating that XXXX sent me to collections using the agency XXXX XXXX XXXX XXXX XXXX XXXX. I contacted them on the day ofXX/XX/XXXX through email, sending them the receipt that proved that I returned the device, and they ignored it. From XX/XX/XXXX up until now, I have been fighting both XXXX and XXXX and there has been no corrections to my credit report.
Sunrise credit services called pretending to be a collector for XXXX XXXX XXXX XXXX. This time, they used the number ( XXXX ) XXXX ( although they seem to be using different numbers every time ) and they called on XXXX/XXXX/XXXX at XXXX XXXX. They claimed I had $ 50+ unpaid balance. Since I had previously confirmed directly with XXXX XXXX XXXX that I had no remaining balance, I requested that they give me the account number associated and they gave me an incorrect number. I told them the number I have is not the same and that they were looking for someone else. They denied this and insisted that it was my account and that my credit was at stake. Then, they asked me to confirm with my social security number, which I declined. They then said that they will discuss it with me later and abruptly hung up on me.
XXXX XXXX XXXX XXXX XXXX Nationstar Mr Cooper Not really sure who they are anymore except Frauds. I'm a victim of there fake modification scheme to take your money and your house.. 
I have tried over and over to renegotiate the loan re write the promissary note.. 
The house is under water. 
The house burned down in XX/XX/2013 and was never fixed correctly, no heat no air conditioner no nothing in over 5 years. 
But all I get is misunderstood and mistreated and let me tell you how It is very hard to be disadvantaged, a single mom of disadvantaged children and continually unheard ... 
The loss mitigation Dept can not figure out who there all stole my money?? 
They are involved in securities fraud, there note is fraudulent because they do not have one.. 
They are trying to hurry and get rid of there fraudulent loans and push to get my property sold, all to cover up there own misfortune. In the mean time they wil not provide the note, they will not renegotiate the loan amount or terms after I have tried for over 7 years. 
Where is the assignment Who has the right to forclose on my property? Where was this recorded? 
Mr Cooper can't even get my attorneys new updated address right in over 3 years? How could this even be possible?

I want to know on. who's behalf are they selling my property?

Not mine I want a quite title action brought against Mr. Cooper because they have not got one thing right in my case.

They are involved in fraudulent activity I do expect punitive damages just like they expect there XXXX in interest in the last five years me and my kids lived with no heat no air conditioning, nothing working. I'm asking for an injunction from them selling my property..
In XXXX of this year ( 2016 ) I obtained my credit reports from all XXXX credit bureaus, I discovered Midland Funding , LLC ( " MCM '' ) reporting a trade-line on my consumer credit files for an amount of {$950.00} for XXXX XXXX XXXX BANK. 

I mailed a Midland Funding , LLC a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # XXXX XXXX XXXX XXXX XXXX XXXX ( letter attached ). I received a reply from Midland Funding , LLC stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). Midland Funding , LLC failed to acknowledge my dispute and continues to report the erroneous trade-line. 

I disputed the trade-line furnished by Midland Funding , LLC with XXXX and XXXX USPS Certified Mail ( Letter Attached ) and remains on my XXXX separate credit reports.
I had cell phone service with XXXX XXXX  for about 10 years. They kept going up on the rates for a unlimited family plan of 3 lines. After my 2 year contract period was up I decided not to renew it. Well in 2011 XXXX XXXX  stopped offering contracts, your bills were month to month unless you bought a new device from them. I contact XXXX XXXX  and explained to them that I no longer wanted phone service with them and after I pay my current bill they can discontinue my services.The CSR said it was fine and that's because they no longer do contacts. Well about 2 years later I check my credit report and I see XXXX XXXX in the collections part for {$1400.00} and I had just opened up a account with them. I contacted XXXX XXXX, the CSR states that I was charged a line cancellation fee for 3 lines. I stated that was impossible because my contract was up, I didn't purchase any new devices and I had phone service with them for about 10 years. I also stated XXXX XXXX  no longer do contracts anyway they do month to month unless you purchase a device. The CSR then stated well you're charged for it and you need to pay it. I then disputed it on my credit reports. It was removed. They keep selling it and replacing it on my credit like I just opened up a phone acct making a negative collection and lowering my score. This has been right at 7 years ago if not more.
Conformation # XXXX I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. Thank You
I went to get services with  XXXX , my first attempt took over an hour and resulted in me having to leave for a prior engagement without getting anything completed due to their customer service lack of knowledge and ability to do their job. They pulled my credit even though nothing was accomplished, which I told the CS  rep an d asked her to remove it and she said they did not pull my credit, which was false as I have credit monitoring, which I told her and she just did n't understand. So I get back later that day and try again but made sure to talk to someone to let them know they already pulled my credit, they said they would need to again. I said absolutely not and ended up doing the security deposit option instead. As no services were rendered under the first pull and I ended up using the security deposit option, this inquiry should be removed. I understand applying for credit and being denied, but in this case there was no denial of service just incompetence on  XXXX  side. Please have the company remove this fraudulent inquiry from my credit report.
My Name is XXXX XXXX, I have been a victim of identity theft. I have dealt with this haunting issue for almost 10 years or so. 
In XXXX my information was breached due to a local medical facility called XXXX not securing medical records in a proper manner. Someone managed to open up a XXXX XXXX account and order phones which was finally Deleted from my credit report about 2 months ago. 
This same person managed to open up a XXXX XXXX credit card ( Account # XXXX ) in XXXX of XXXX and even managed use of it and made payments. I suspect that it was someone in my city because I never received a card or anything related to it. I tried to dispute this with XXXX  XXXX but they kept saying that the card was mine, I filed reports with the FTC and directly with XXXX, XXXX  and XXXX. 

I also had bank accounts that were opened in my name which the banks were able to close once I disputed and provided proof. XXXX XXXX XXXX and XXXX XXXX  and XXXX XXXX XXXX. All of these accounts were deleted successfully from my credit reports except for XXXX which is still on my XXXX. 

I also had a card fraudulently opened from XXXX XXXX XXXX ( Account # XXXX and, one in XX/XX/XXXX and one in XX/XX/XXXX. 

Finally, the most egregious one was opened in XX/XX/XXXX with Barclays ( Account # XXXX ). this card had the highest credit limit. I need these issues resolved because it has lead to all sorts of issues in my life. 
Ive tried to dispute these with the proper authorities and the companies themselves and Im not sure what kind of information they have but I assure you these credit lines are not mine. 

Attached is the report I filed with the FTC Back in XX/XX/XXXX to have these items removed from my credit report. 
I have also attached my Social Security card and Florida Drivers license. 

At this point I am Disputing the following : Barclays XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX  & XXXX ) XXXX XXXX XXXX ( XXXX  & XXXX ) XXXX XXXX XXXX ( XXXX  ) Respectfully, XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX FL XXXX XXXX
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.
I was admitted to the Emergency Room at XXXX XXXX in Ohio while on XXXX XXXX orders. This was ordered by my XXXX. My human resource XXXX submitted the documentation to bill XXXX. The hospital said that they XXXX has denied claim. XXXX says it was never billed. I have hounded by collection agents, had my credit score negatively impacted, and ca n't get a higher security clearance which prevents me from getting a better job. I have spent literally dozens of hours on the phone and email over the past 20 months and emailed my congressman. All to no avail. I have all the documentation to support my claims. 

Collections have been placed though XXXX XXXX XXXX XXXX, law offices of XXXX, and XXXX XXXX XXXX
I CURRENTLY HAVE A CREDIT CARD WITH XXXX XXXX XXXX ; ON XX/XX/XXXX I PURCHASED A GENERATOR WHICH WAS SUPPOSED TO BE ON A '12MONTH PROMOTION ; ' AS IN NO INTEREST WHILE MAKING PAYMENTS. 
HOWEVER I HAVE NOTICED ON MY CURRENT STATEMENT, AND UPON CALLING THE 'ACCOUNT INQUIRY ' PHONE NUMBER:XXXX-XXXX-XXXX ; I WAS TOLD THAT THE 'ACCOUNT BALANCE ' OF {$1400.00} ( STATEMENT DATE XX/XX/XXXX ) INCLUDES THE {$1100.00} BALANCE OF THE GENERATOR PURCHASE.THE 'CUSTOMER SERVICE REP ' THEN EXPLAINED THAT " WE MUST CARRY THE FULL ACCOUNT BALANCE ON YOUR ACCOUNT.???? ' WHICH I FIND TOTALLY UNACCEPTABLE. IN THAT EVENT, IM PAYING INTEREST ON THE 'TOTAL BALANCE ' AND NOT ON THE 'SUPPOSED TO BE SEPERATE ' GENERATOR PURCHASE. 
I HAVE HAD 'NO INTEREST ' PURCHASES IN THE PAST WITH A NY APPLIANCE CHAIN : XXXX XXXX ; IN WHICH THEY ALWAYS LISTED THE 'DEFERRED PURCHASES ' AND I THEN HAD THE OPTION OF PAYING THAT 'DEFERRAL ' SEPERATELY. IN THIS INSTANCE THAT IS NOT THE CASE. THEREFORE I REQUEST THAT 'TRACTOR SUPPLY ' BE MADE TO CONFORM TO THE PROPER ACCOUNTING PROCEDURES ; IM SURE IM NOT THE ONLY CONSUMER THAT HAS BEEN VICTIMIZED BY THIS FALSITY ; MY ACCOUNT # IS:XXXX
XX/XX/XXXX I had a XXXX was in hospital 45 days. Got out end of XX/XX/XXXX. XX/XX/XXXX had another XXXX. Was unable to XXXX XXXX etc. Got homer XX/XX/XXXX. Got letter from navy federal credit union saying they closed my credit card acct cuz I had n't made payment. So I called them. I have the person who I talked to. But anyways she says well you should have called us and let us know. Are you kidding me. I could n't XXXX etc. So they closed my acct. XXXX I was planning on making a payment when I got paid and I wanted to keep my credit card open. They would n't work with me. I told them I would be happy to send of XXXX worth if hospital paperwork for proof. No they just closed my acct. Why ca n't they work with ppl. I have been with nfcu for years and this is how they treat their customers. Awful
XXXX, therefore we had to move to another property and leave the one we are currently short selling. Since I am on a fixed income, I can only pay one mortgage and that is the one where I do not have to go up and down the stairs. TCF Bank has made this process very difficult, asking XXXX questions, asking for all sorts of documents, everything was provided to them. All we want is to do a short sale and get with our lives, but once again TCF is making this very, very hard for us to do. I am XXXX, on a fixed pension income, married with a woman who can not work because she has to take care of me, can not live at the property where TCF is the bank XXXX, what else do they want to understand I HAVE A HARDSHIP! They wo n't do a short sale, they wo n't modify my loan, they wo n't do a deed in lieu, therefore they are pushing me to foreclosure!
American Express has not been transparent or truthful in providing accurate interest across Promotional balances. I 've asked for evidence of this throughout the course of the timeline of the account being open. Instead of providing a balance sheet with interest calculated per charge, they just claim that putting just the Interest that I owe on the statement is enough to go off of. This is very concerning, because it 's easy for human beings to stand by something that a computer is clearly displaying. American Express representatives do not see how calculations of interest are being accumulated. They just see what I see on my statement, which is just a total interest amount. 

I 'm not convinced that the interest they claim is being calculated is always 100 % accurate, according to how Credit Card laws specify what is proper procedure for calculating interest. Many representatives just claim that American Express has been in business for many years, so why would they charge incorrect interest. I 'd like to point out the various lawsuits that have happened where American Express was ruled to have been doing just this. I guarantee they 'll " skim '' through this and reply with just their " formulas ''. What they should be providing is full disclosure of each charge and what interest amount became accumulated as a result of that charge. This helps me understand how I can compare my calculations to theirs to see where the disconnect is. I refuse to pay for profitable interest on their behalf either calculated intentionally or unintentionally that is INCORRECT.
my caller id identifies them as " PHONE CALL '' but number is XXXX, person on line identifies themselves as National something and then say is the " XXXX '' I say I am not them and please stop calling as this is a unlisted number and I am not the person they are trying to contact and I have reported their number 5 times before to the ftc.