WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I lost my phone and wallet. I kept a lot of notes in my phone such as emails and passwords. Inside my wallet I had my license, passport, cash and credit cards. On XX/XX/XXXX there was a fraudulent wire transfer from my chase bank in the amount {$6100.00} dollars and another fraudulent wire transfer occurred the very next day on XX/XX/XXXX in the amount of {$9900.00} dollars from the same bank. I ended up going to the bank XX/XX/XXXX because I needed some cash and thats when I found out my account was a negative XXXX  dollar balance. I immediately spoke to XXXX  and we disputed these 2 fraudulent wires right away and filled out a affidavit and faxed It to chase claims department that same day. Two weeks later I get a letter stating the claim is closed and chase   cant help me. I immediately called the phone number on the piece of paper and spoke to XXXX in the fraud department and she spoke to someone in the claims department and they opened The dispute back up, two weeks later they closed it again. I called chase claims department this time and they told me there is nothing that they can do and they are not responsible for the loss of my funds even if its fraudulent. I even spoke to a manager or so they told me and she said the same thing they arent responsible for fraud transactions. I think this is ridiculous because I feel as a chase customer they didnt do anything to dispute this matter they closed It so fast and didnt look into anything for me and try to see where the money went and who got it. This is very bad business in my opinion.
This debt does not belong to me. The collection agency J H Portfolio told me that this item has been removed from my credit report But, XXXX says they have not. I would like them to provide proof that this item has been deleted from my file.
as I had a accordance payment with the company performant # XXXX account they will respond to new York hesc which 2 days prior to pay off sent account to XXXX / American education services which I are sent letters relating to the loan and paid. hesc I refer to sent a payment on XX/XX/XXXX and XXXX what collection on XX/XX/XXXX to the date of today XXXX # XXXX follow me by sending letter delay placing it in my credit history simple mind XXXX gave me a fax number to start an investigation that in your system does not appear any check charged # check is XXXX by the amount of {$3000.00} this information is provided by hesc.
I currently have XXXX consolidation student loans serviced by Navient. Once I entered my principal and interest repayment period my payment amount is {$320.00} for the next 20 years. On XXXX XXXX, 2016 I received an email from Navient informing me that the payment term for my loan has changed. The email then gave a list of XXXX possible reasons for the change in the amount. The new payment amount {$330.00}. This change represents an increase of {$3400.00} over the remaining life of the loan. I called Navient on XXXX XXXX and XXXX XXXX to understand what has caused the change in the payment terms since is was not easily understood. The agents and the supervisor could not adequately explain the reason for the payment change. My loan has been on automatic payments for a least past 5 years and my loan is not past due. My interest rate is fixed and the rate has not changed. A subsequent notice indicated that there is unpaid Interest of {$20.00}. As a result the unpaid interest is not capitalized is used to recalculate the new monthly payment. This {$20.00} will now cost {$3400.00}.
I XXXX XXXX believe that my name is being wrongfully circulated through a debt pool operation. The attempt to collect on a debt that was discharged almost a decade ago, is still being circulated among debt collection agencies. The MCM company attached shows a debt that not only is to old to collect on, but has already been removed from my credit report based on FCRA guidelines. Accordingly, I demand that my name be purged from this collection agency immediately, and that if any reference was reported to the XXXX credit reporting agencies, that a letter of removal be submitted immediately as well. DELETE MY NAME FROM ALL FUTURE COLLECTION ACTIVITY!!!
They call me all the time every day and Threatening, if I does not give my name and address the will damage my credit bureau. I answered, I do not have to give private information to anyone by phone and they insist. This action is repeated multiple times a day. The Agency name is Southwest credit system.. Phone number is XXXX
On XX/XX/XXXX, I had a cashiers check of {$2800.00} sent by next day mail to Santander Consumer USA to payoff my account. The check was sent by my bank to XXXX 's overnight mailing address by FedEx. The package is shown to have been received at XXXX on XX/XX/XXXX and signed for by a person of the name XXXX XXXX. I waited for a few days to give time for the payment to process and my online account to be updated. Upon five business days on XX/XX/XXXX I contacted customer service for a status of the payment. I was advised that no such payment had been received for the account. Over the past three weeks I have contacted them for status of the payment and no one has a clue as to what happened the payment. I requested to speak with supervisor because no one seem to want anything to do with the situation. A supervisor had me fax proof of the payment and tracking information on XX/XX/XXXX. I call back to see if the documents were received and was hung up on, this has happened a couple of times throughout this process. For the past week I have contacted Santander as to an update of what is going on with the situation and no one will give any information other than there is no resolution yet. All the while my account is still actively gaining interest and I am out of {$2800.00} that I can no where near replace. I have contacted my bank to see if the check has been cashed yet and it has n't. They advise they can put stop payment on the check but I still would not receive my funds back for 90 days after the check was draw. That is the stipulation for cashiers checks since they are guaranteed funds. If the check is not found and I received my funds back by XX/XX/XXXX, Santander will surely say the payoff amount is not valid and will want any accrued daily until then. I have done research and see that many others have had the same issue of disappearing payments to Santander Consumer. I found a number to the office of the president and left message on the voicemail on XX/XX/XXXX. I have yet to receive any response from them or anyone in the company, they seem as if they are ignoring the situation entirely.
Our payment sent to SPS Inc. was not credited to my spouse 's account as requested on payment statement. The payment was processed as two payments. Not a single payment for principle and interest. This allowed SPS to charge us interest twice for the XX/XX/XXXX payment. We contacted SPS to correct this error to apply our payment as requested. The account representative talked with us and said the funds would be credited as requested. would be done within 5 to 7 days and we would not be able to see this correction in the online access. SPS Inc. representative did not say this would be reflected on a corrected XX/XX/XXXX statement or would they take the XX/XX/XXXX payment funds as payment for XX/XX/XXXX and XX/XX/XXXX as XX/XX/XXXX statement shows. The statements have blocks for assignment of funds, we wanted all funds above the regular payment applied to principal.
I keep getting daily calls between XXXX-XXXX including weekends from a Midland Credit Management calling XXXX leaving messages looking for a XXXX or a XXXX, depending on the accent of the caller. They started calling me about two weeks ago. I have had this home phone number for nearly four years, and no one even close to that name has lived here.
On XXXX XXXX I checked my credit through annual credit report to see if a foreclosure had been removed. I selected Experian as the agency. When I went to check the credit they wanted to charge {$4.00} extra to get my credit score. In small fine print it said they were signing me up for a credit monitoring service, but I was not clearly made aware of this. I also was not informed that a charge outside the original agreed upon {$4.00} was going to hit my credit card on XXXX/XXXX/2016. On XXXX/XXXX/2016 I was charged {$19.00} by Experian. On XXXX/XXXX/2016 I saw the charged and called to ask why I was being charged. The agent on the phone informed me that I signed up for the service. I told him I had no knowledge of signing up for the service and that they never informed me I was about to be charged. The agent refused to refund my money for the service that I had never used and said they had documentation proving I signed up for it. I do n't think they should be allowed to sign people up for a service who are coming form annualcreditreport.com especially when they do n't make it very clear that getting the credit score is also signing you up for their service. To then refuse to refund money for the service when it was never used after getting the score is again invalid. They are clearing trying to scam people by automatically signing them up the service and then stealing their money by refusing to give them a refund once they realize they were signed up. I plan to dispute this with the credit card they charged, but I have a feeling the credit company will side with them and they are probably in on the scam. I ca n't refuse to pay the credit card company for the charge if they side with experian or I will ruin my credit.
PNC Bank enrolls members using checks in a service that automatically reorders checks once a certain amount of checks from the previous order are used.
I received my last batch of checks at my then current address. In XX/XX/XXXX, I moved to a new address. I subsequently updated my address with PNC. I inquired at the time and was informed that the change of address would apply to all products across the account and there would be no need to make any further changes or updates to my information.
In XX/XX/XXXX, I wrote the last check from the previous batch. I stopped into the local branch to inquire about re-orders and was told that a re-order had been placed on XX/XX/XXXX. On XX/XX/XXXX, with no checks arriving, I checked the website, which said no reorder was pending.
I then contacted PNC 's customer service, who informed me that no reorder was pending, because checks had been re-ordered inXX/XX/XXXX. Those checks, I was informed, had gone to the previous address, despite changing the address on the account over a year prior. I was told that a letter ( not certified mail ) had been sent to my current address confirming the order. I did not receive a letter. I was also told that it is the bank 's practice not to update the address on check reorders except specifically in reply to that letter.
PNC did not track or confirm receipt of the checks issued inXX/XX/XXXX. There are now 100 checks in my name, with my account numbers, that are completely unaccounted for. PNC has informed me that they can not permanently cancel or void these checks. They can only place a stop payment order on those check numbers for 6 months and that order must then be manually renewed. This, obviously, presents a massive and ongoing security risk to the account. PNC was not able to offer any other solutions.
PNC 's practice of retaining addresses they know to be outdated for check orders is troubling, as is the failure to provide any sort of verifiable confirmation of reorders or verification that checks mailed are received. Even more troubling is PNC 's inability to mitigate their own negligence with regard to checks that remain active and unaccounted for.
Never received statements on the credit card, or have the credit card in my possession as I made it aware to Continental Finance that I had lost my XXXX credit card but could n't get a new one due to the account being closed. I would like the late payments to be removed from my credit report.
I attended the XXXX XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX after I was fired from my job with XXXX telephone for being unable to work, although the accident happened on the job. I am XXXX but able to do some work if it is on a schedule I can handle. A lifelong interest in the arts caused me to think I could pick up enough solo projects that it would be worth my time to get a degree and knowledge to do so. My first year and a half went fine. They allowed the loans I needed to pay for school. As my condition worsened, my finances tightened more and the school demanded that I get a co-signer for the last quarter 's loan. My father agreed to sign that loan and that loan only. After school, I was unable to get and complete enough jobs to live and pay for the loans. My father paid back the one he helped with but he realized he had paid back far more than the amount he signed for. With some checking and the hateful people from XXXX XXXX, we were able to determine that his name had appeared as co-signer on all the loans, although neither he nor I had approved that. His credit is now ruined and he is barely surviving. Please tell me what I can do about this.
Sir Request being repeated Complaint against Apple Inc, California No Customer service My Daughter XXXX XXXX & Grand Daughter had come to XXXX last week. 
Daughter is staying at XXXX, Maryland, USA. She/Grand Daughter are back at USA. 

My rand Daughter front cover of XXXX  was damaged, so I requested my Daughter to Visit Apple Authorised Dealer. She Visited XXXX XXXX XXXXXXXX XXXX NOXXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, She was asked to come after 2 days. When XXXX visited your authorised dealer after 2 daysshe was informed that front cover/screen of XXXX is not available in the Market .However She was asked to visit some shop at XXXX XXXX XXXX XXXX. 

My Daughter visited the repair shop as instructed, she was asked to pay Rs XXXX [ INR ] in advance, amt paid on XX/XX/2018. & collect the XXXX  next day. My Daughter was to leave for USA next day, & XXXX XXXX was delivered next day morning. After reaching at USA She found XXXX gets hang on each start. XXXX is being used by my Grand Daughter. 

What is my humble appeal, My Daughter has taken trouble to find out your Authorised Dealer, again to trace out repair shop at XXXX XXXX, Paid Rs XXXX XXXX, but XXXX  is  not working. We appeal for your kind consideration. 

Thanking you XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mary landXXXX XXXX XXXX XXXX PS- Sir Apple Inc has informed that consumer has no proof, appointment taken with Apple authorized service center, but we clarify [ 1 ] XXXX  was not handed over to service center since they had no front screen cover on hand [ 2 ] My relatives have inquired, no consumer takes prior appointment of Apple Service center. Consumer just visit Service center.

Apple should not misguide consumer, customer.

W feel humiliated, Apple do not trust Consumer/customer We only appeal, I XXXX be repaired at most reasonable cost XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Maryland-XXXX tel-XXXX XXXX XXXX
Today XX/XX/2018 I was contacted by XXXX XXXX in regards to a debt that has been pending for a few months now. I communicated that I am having financial difficulties and am not able to make a payment at the moment but that I will as soon as I have some spare money. He got upset and accused me of lying and trying to put off the debt. He continue to say is this what you tell your landlord? What more information do you need? You do know I will report this on your credit, its going to be runined.
I disputed AN sent to transunion to remove a hard inquire to XXXX credit card. AN also set to the credit. 30 days have passed with no reason. I told them it 's not me an no response to remove the item nor any info updated.
This bank is engaging in unethical and misleading business practices. Providing the information they provided in response to my initial complaint is AFTER the fact. First of all, it took DAYS to get any sort of response regarding where my money was. By that time, I had decided to no longer do business with them and transferred the money back to my original account with another bank. At that time, I discovered that I was charged a FEE of {$3.00} to transfer MY MONEY ... which left me with a NEGATIVE balance. So I immediately transferred {$10.00} in to cover that. Which brought me to a {$7.00} balance. They will not allow me to close the account unless the balance is {$0.00} and they will only do transfers of a minimum of {$10.00}. Their nearest branch is over an hour away from my residence. As far as I'm concerned, they can keep the {$7.00}. I do not want to do business with them at all, ever again. Meanwhile ... I see now ... again, after the fact, that they will charge me a monthly service fee for this account. Something I was not aware of prior to opening the account. Again ... all I want is to close the account and be done with them and not have to drive two hours to do it. They can have the {$7.00}. Is that really all that unreasonable a request?
There are XXXX overdue debs that have been transferred or assigned to an collection agencies Enhanced Recovery Corp XXXX and reported to XXXX and XXXX. As per information provided from credit report agencies accounts were opened at XXXX Florida USA and I NEVER live there nor have any address overthere. All my life and my credit experiences have been in XXXX XXXX. There must be a fraudulent request for credit on my behalf. Please correct that information which is affecting my credit scores and reports. Thanks
Approximately 3-4 months ago, I contacted my mortgage servicing company, Specialized Loan Servicing about a legal description change on my property and a partial release of deed of trust. I contacted them several times and were given several conflicting answers not only on facts of what needed to be done to solve my issue, but also in how they operate. When my phone calls got difficult where I was inquiring and asking why I was told wrong, the call would some how be disconnected and you would have to dial in again. This happened on at least 6 occasions ( and as I am typing and waiting for a person in the Executive Services department, it just happened again! ) They advised me that for a legal description change I needed to contact the investor on my mortgage. I had to write a letter to SLS requesting the information and then contacted XXXX XXXX. XXXX XXXX advised me they do n't handle legal descriptions and when I told them I had already spent over 2 months with no resolve with SLS, they offered to assist me. XXXX XXXX has now been working the case for over 6 weeks and also does n't have resolution. So today I decided to call SLS to get a status. As I just mentioned, I was routed to 4 departments and spent over 40 minutes on the phone and just got connected to a LEVEL 3 representative who told me to hold while he researched my situation and, once again, after a couple of minutes the call was disconnected. I have always called in from a land line so either they are having consistently large phone issues or this is a tactic for their call center reps to just get you off the phone because they do n't know how to help you. I am holding up a large community project with the XXXX XXXX XXXX because SLS is not working with me to provide me the information needed to finalize my piece of the project with the City. I am writing you because I have never had such extremely poor customer service phone issues along with such horrendous accuracy issues with a financial institution. You can barely get a supervisor on the phone and EVERY question needs to be answered by a call center rep who can not even view your information. They will never let you talk to a person in the back office who is working directly on your case. Just to help provide a comparison, I recently worked with an elderly neighbor to conduct the same task with his mortgage company and it was solved in 4 weeks. I am sitting at close to 4 months with no resolution and need a manager to reach out to me to get this done. It is hard to believe that a company with these practices can stay in business. Please HELP!
This dispute regards an open collections account on my Transunion credit report - an account that is not mine. I have no records of having a credit card with XXXX XXXX XXXX, the original creditor. In XX/XX/2017, I disputed ( via CFPB ) a closed account noted on my Transunion credit report under " XXXX XXXX XXXX. '' It was removed from my credit report. This particular dispute is in reference to the still open collections account, XXXX XXXX ( for  {$700.00} ). XXXX XXXX XXXX had sold the account to a collection agency, XXXX XXXX, and this information remains on my credit report. Again, I have no records of ever opening or owning the credit card from which this collection sprang. Therefore, the XXXX XXXX collection is not mine.
Bank of America has charged monthly maintenance fee of {$12.00}, consecutively for 2 months on the same daily balance. As per their regulation the minimum daily balance should be XXXX, one day when my balance was low, for the same balance I have charged twice maintenance fee in XX/XX/XXXX and XX/XX/XXXX. When called the customer service agent mentioned that it is 14th business day of each cycle. How can a consumer decide that? Banks sustain because of customer deposit and they are charging service fee to customers left and right. This is not fair to consumers.
I have a debt collection reporting to my credit bureaus that is not mine. The account was opened without my consent as the result of an identity theft. I have made attempts to address this matter directly with debtor but was unsuccessful. The card was charged up under my personal information and now has left a permanent blemish on my reports.
I noticed a hit on my credit monitoring site from Aargon Collection Agency. The original debt was from XXXX, which I visited in XX/XX/2015 for an emergency repair. I paid at the time of service. I called XXXX asking for information about the bill. They refused to provide me with an itemized bill, and told me to contact the collection agency. XXXX did attempt to confirm my contact information. The wrong address and phone number ( not even close - in another state ) was on the bill. I expressed concern that I did n't think the bill was mine. They refused to discuss it and told me to call the collection agency. I called Aargon Collection Agency, who initially told me that I would have to get the itemized bill from the vendor and there was nothing they could do for me. They also had the wrong address and phone number. I told them that XXXX had told me that I would have to get the itemized bill from Aargon. The Aargon representative became aggressive and told me that asking for verification of the debt would take time, and kept pressing me to pay the bill. I refused, and told him that I wanted to file a dispute. He told me that was impossible, the bill was mine, and I should pay it. He told me that he could make a note on the file saying that I was in the process of getting an itemized bill from the vendor, but collections would continue. I asked him to transfer me to someone who could file a formal dispute. He told me that the manager was on break. I asked for a callback, at which time the manager magically reappeared. The manager told me that I had to request an itemized bill in writing from Aargon. I told her that this was not what the original representative told me, and pointed out that if I had not insisted on filing a dispute, nothing would have been done. She told me that I could put it in my letter. My concerns are : 1 ) the only correct information they had on this bill was my name, which should give any reasonable person doubts as to the accuracy of the bill ; 2 ) I was pressed to pay the bill over the phone even after expressing these doubts and asking for verification ; and 3 ) the original representative gave me false information about how I could verify and/or dispute the bill, and tried to prevent me from speaking to someone else.