WillisBack/dataset-financial-user-claim huggingface dataset:
Region 's support has tricked me out of my money by lying to be during dispute process over a fraudulent charge! 

When I initially called I inflormed I did not have access to a printer and it might be a few weeks before I was by a local branch of theirs to be able to do it in person.They told me that would be alriight and to not rush. Weeks later I received a letter telling me they disaproved my claim because I did not fill out and send the paperwork! They lied to me, and when I called to try and remidy the situation they lied to me again! 

The supervisor told me I could still file the paperwork. A week later I received a ride to a branch. The staff there said what the supervisor on their support number said was untrue, for they could not file it. I was stuck there for almost two hours as she tried to resubmit it. 

Since then every time I have spoken to a staff at Regions about this issue they have not been able to find the dispute, as if the employee at the branch was not successful at resubmitting it! 

They bait a swoicched me! They tricked me into not being able to sumbit their paper in order to cheat me! And they have ignored me since!!!
XX/XX/2018 XXXX I used what I thought was a reputable service to transfer payment to a Third Party for goods. Goods were not received. 

Called XXXX and they wouldnt do anything to cancel the transaction or even prevent the same scam from being perpetrated on others. 

Given all the big banks behind XXXX I would have expected better controls.
Ive banked with XXXX since XX/XX/2011 and they always charge {$12.00} for overdraft protection. Which is basically transferring money from one of my savings accounts to cover for shortages on my checking account. I made a mobile deposit on XX/XX/XXXX which got credited on XX/XX/XXXX, the same day a couple other payments got debited. And yet even though these transactions were supposed to leave with a balance of well over {$300.00}, I still got charged a fee for overdraft protection on XX/XX/XXXX!!
I applied for a loan modification with my lender and I was declined because I have a loan modification in 2012. The lender said my lender only allows one loan modification for the life of the loan. I asked who the investor is and the lender refused to give me the name and contact information so i could follow up with them.. This servicer has been known to mislead and I am trying to make sure I am given a fair accessment.
On XX/XX/2018, I made an online wire transfer of {$10000.00} from a XXXX bank account I have to XXXX XXXX XXXX, an online foreign exchange trading company officially named XXXX XXXX, XXXX. My intention is to make a transfer of US Dollars to an account in Euros I have in XXXX. The USD wire tansfer was made to XXXX XXXX via an account they have with XXXX  XXXX XXXX in XXXX. They supplied me with this account router and account number and bank address by email. After my XXXX account was debited the same day, I tried to contact XXXX Transfer for help with exchanging my {$10000.00} into Euros and having them sent to my account in XXXX. Nobody knew what I was talking about and they bounced me back and forth from an agent to another for hours. They were not aknowledging the receipt of the funds for a couple of days and finally my page with their website showed that I have {$10000.00} available for transfer. However, nowhere on the platform can I use these funds for transfer. The only options they have is to pay with a new wire transfer or a new ETF out of an external account. I am now back with them to get help with my transfer or get a refund. The back and forth went on for another week with no result. Now two weeks later, I am still trying. My XXXX bank rep is telling me there is nothing they can do since I initiated the wire myself online. I threatened to get in touch with the FBI. I really don't know what to do.
On Thursday, XX/XX/2016 I made money transfer in the amount of {$500.00} through the Western Union wire. For some reason, the wire was placed on hold but the funds were still removed from my account. When the receiver when to pick up the funds from Western Union, they were told I needed to provide identification via facsimile. I felt this was a phishing expedition as I have never had to do this before using their services and sending it to this receiver. Each time I call Western Union to cancel, I am told I need to provide documentation or identification, I informed my bank and they are dumbfounded suggesting that I work with Western Union. Western Union is indicating this is a government requirement to have the sender to provide identification, the MTCN # is XXXX. There is a huge language barrier from each individual that I speak with regarding this matter.
I submitted a dispute online on XXXX XXXX, 2016. As of XXXX XXXX, 2016, I had not received any proper notice of investigation results so I sent a letter to Equifax, certified mail, return receipt requested, informing them that it had been over 30 days and I had not received a response. I never received anything in response to my letter dated XXXX XXXX, 2016, which is attached for review. However, on XXXX XXXX, 2016 I received results where XXXX of my items were deleted accurately from my file however, the other XXXX listed were not deleted and continue to be inaccurate and should be removed as well. Upon calling the number listed ( XXXX ) on XXXX XXXX, 2016 and XXXX XXXX, 2016, speaking with five different representatives, many located out of the United States, I just could not receive the necessary and adequate help needed over the phone. The representatives appeared unknowledgeable regarding their own practices and policies at Equifax.
This company does not report to all credit bureaus that debts hv been paid, They reported that i paid my debt to XXXX XXXX XXXX XXXX XXXX to XXXX but refuse to send the information to XXXX. Capio partners XXXX file id XXXX original account # XXXX paid XXXX to XXXX XXXX for services XX/XX/2012. Thanks
In XX/XX/XXXX 2017 I submitted a form to switch from the IBR repayment plan to the REPAYE payment plan. It is now XX/XX/XXXX and my form still has not been processed. I have n't been able to make regular payments because I do n't know what my payment will be. I asked to be in forbearance until they processed the form, but it has been so long that now I am losing months towards my Public Service forgiveness. I get different answers every time I call, promises that the form is bring processed the next month, and then it is n't. I have been with FedLoan for a long time now, and every. single. time. I have to do something with them it is a nightmare and a headache. It is very, very stressful. Every year when I submit to have my payments counted towards Public Service Loan foregiveness they miscalculate my payments and I have to ask them to recalculate them, until they get it right. EVERY YEAR. I have friends who have the exact same problem. The mistakes they make regularly are criminal and nobody does anything about it. I have made a point to make smart decisions with my career and my money, and FedLoan makes it so, so hard to continue to do that. I 'm feeling really defeated.
My wife has a XXXX XXXX XXXX sky miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help
XXXX XXXX  prepaid card was purchased at local corner store. My desired amount was placed in card. After total use of balance the card was thrown out. XXXX XXXX  sent me in this collection process. They can not be paid back based on info provided on my credit score.
Original I sent this to the CFPB : On XX/XX/XXXX XXXX XXXX was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. XXXX XXXX never responded to my letter. XXXX XXXX was stating that I owe XXXX. After the letter was sent, I checked my credit report onXX/XX/XXXXand the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today XX/XX/XXXX XXXX  XXXX jumped the loan amount back to {$50000.00}. Experian responded : Thank you for submitting your complaint on XX/XX/XXXX  through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB  portal and directly to Experian. On XX/XX/XXXX, we sent you a notice stating that in order to research your complaint, please provide your full name, including middle initial ( and generation such as JR, SR, II, III ), previous addresses for the past two years, complete Social Security number and date of birth. As of XX/XX/XXXX, we have not received the requested information. Once we receive your complete identification information, we will promptly address your complaint. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX  Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. This is quite concerning knowing that Experian is not doing their job with handling complaints and lying saying they have n't received information from me. Attached are the documentations proving that I 've sent in the information verifying my identity. I also called Experian and verified that they received my information to which the representative told me yes and my new information was updated on my credit profile. I will also include a copy of my report with my updated address on it.
I purchased my home in 2007 from American Home Mortgage. I had a first mortgage of around XXXX and a second mortgage of XXXX. The first mortgage was supposed to be and FHA and the XXXX was a program through calhfa for educators that worked in title XXXX schools and it had no interest. 2 Weeks after my loan went through, American Home mortgage went bankrupt. My paperwork was never sent in to FHA or XXXX. I received a letter from XXXX XXXX XXXX about XXXX10 months after I had been making payments with a refund for my property mortgage insurance. I was told at that time that my loan had been assumed by XXXX XXXX XXXX and was a conventional loan with a fixed rate of 5.5 %. I no longer had to pay the PMI. That also stopped me from being able to roll it into a FHA loan when the interest rates dropped. I was underwater on my loan because of property values but never missed a payment. Now I am trying to refinance but the paperwork has been lost on my XXXX and my refinance will not go through unless we can get information from the trustee of American Home Mortgage on my 2nd mortgage. I am locked into a XXXX interest rate until XXXX XXXX. If we do not hear from the trustee the XXXX my loan will not go through. I will have to pay for the appraisal and processing costs. This loan will save me XXXX per month on my payments. I have copied the info from my loan officer below. She has requested the info from the trustee but has not heard anything from them. The only contact info we have is an email address : XXXXXXXXXXXX. 
To : XXXXXXXXXXXX ' Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX mortgage Hello- I am the lender that is assisting the Capteins with a refinance of their first mortgage. We need the second mortgage to subordinate as their appraisal did not come in high enough to pay off the second mortgage. XXXX XXXX from XXXX sent the assignment of the second to you as this loan was never sent to XXXX to purchase when the borrower 's closed on their transaction back in XXXX of 2007. 
Please advise if you need any additional information from XXXX XXXX Mortgage. XXXX XXXX with XXXX XXXX title can send you documents for the subordination upon your approval. Our lock expires on their rate on the XXXX of XXXX, so please advise at your earliest opportunity. 
Thank you. 
XXXX XXXX XXXX XXXX Mortgage Loan Officer I am in desperate need of help with this. And of course I need it asap before XXXX. Please advise, Thanks, XXXX XXXX
On XX/XX/XXXX I contacted XXXX XXXX regarding a utility bill with XXXX XXXX, Account Number XXXX ( with XXXX XXXX on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XX/XX/XXXX. I reviewed my credit report and found that XXXX XXXX no longer has this account in my name but now XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XX/XX/XXXX, SIGNED // XXXX XXXX XXXX
This collection agency will not remove wrong information they put on credit report, I have sent XXXX letters asking them to validate or remove the debt and I got no response!
Complaint XXXX XXXX to me 55 minutes agoDetailsXX/XX/XXXXXXXX XXXX XXXX We purchased the XXXX water refiner and reverse osmosis system for our home onXX/XX/XXXX, from XXXX XXXX XXXX. We started having problems with the pipe connections outside where the system was installed, causing water leakage that was going under our home. We contacted XXXX, who sold is the unit, in XXXX of XXXX. They told us the problem might be our main drain was blocked but they would send someone out to check it. That never happened. We called three more times over the next month, leaving messages, but heard nothing back. We wanted to have a professional plumber fix the issue but our contract with XXXX stated that only their personnel could perform service in on the item and its components or our warranty would be voided. After months of dealing with this situation we began to notice the quality of our water declining. Evidence of hard water residue was in our bathtubs and sinks. We called againXX/XX/XXXX to request a service appointment and heard nothing back. Months later, XXXX sent a text with a service check reminder and we called them right away. Our appointment was confirmed for XX/XX/XXXX. When they called me days before the appointment I was informed that they would service our unit, for a charge of {$250.00}. I explained that according to our warranty, that the first year of service was free. They informed me that the year had past but I explained that we never received the service as requested during the first year. It took a bit of back and forth but after checking their records they saw I was correct and that they would come out at no charge. The appointment never happened. The day before our appointment I was contacted by XXXX who said their service guy got into an accident and could n't make it. I completely understood and we rescheduled for the next week. The day before that appointment I was called by a different employee of XXXX with the same story that their service guy just got into an accident. I clearly realized that they were lying and had no plans to service my unit. I began researching the company because the whole thing seemed suspicious to me. During my investigation I found that the water treatment specialist, XXXX XXXX, who sold us our unit was using a contractor 's license number ( CA # XXXX ) that was not registered to him. I found no evidence that he is actually licensed. That was the first count of fraud. The second was our contract of credit for XXXX XXXX was never signed by us. We only signed the contract for the water system, not for the revolving credit, which was opened without our consent. The third item is that our purchase contract is also invalid because it was never signed by management personnel at the XXXX home office as mandated. 
As of this date, we have paid over {$1500.00} to a company that has defrauded us on all accounts.
Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company. XXXX is my email address that the account is on.
Got a Capital One Credit card in the mail that i applied for and before I could even use it it got hacked and XXXX worth of charges got put on it from another person that I don't even know that lives in Florida. But in the process of getting that straightened out I went to get a debt consolidation loan to pay off some of my debt and when I went to get the checks to payoff my debts I noticed they gave me a check for my Capital One Card and I told the lady at the loan company that those charges where not mine and I need my money back and she responded that it was on my credit report and it is our rules you have to send the check to Capital One and then they will refund your money. So I went ahead and sent the check and I waited for Capital One to credit it to the account then I got on the phone with the fraud Department of Capital One and told them what happened and after a long 3 month investigation they are telling me that I am not getting my money back. They also said they see that it was fraud but Capital One don't do refunds it is against there policy you have to go back to the loan company and get them to dispute the check. So I did that and the loan company said they will not dispute the check. So I guess I am just XXXX out from the the credit card company. Can you help me with this or tell me somebody who can. Sincerely, XXXX XXXX XXXX you can contact me at XXXX or XXXX XXXX
When they try to collect on the loan I try to set up repayment with loan with their collection department which was XXXX XXXX in XXXX Idaho when we offered to sell them at a settlement they refuse to contact this back we had XXXX XXXX sent out several emails about the offer no confirmation I made a couple of payments to XXXX XXXX then the collection stopped but they were still applying interest I try to repay again another 2 years with another collection agency we offered to pay XXXX at this time we set up payment arrangements try to contact them to begin to make payments but they refuse to contact his back now the interest is out of control looking to collect on XXXX
Last year 2018 I have been recovering from XXXX XXXX. I have been contacted by Portfolio Recovery Associates regarding an account from XXXX XXXX XXXX. They are claiming an Opened account with them was established on XX/XX/2018. I first off do not owe them any money. I have asked them via letter and phone conversation to not contact me again regarding this account. They have since harassed my current husband on his personal cell. He is not tied to any accounts that I own nor does he have the right to make decisions on my behalf. They have contacted his mother on her personal home phone looking for me as well as now contacted my ex-husband, ( so they thought it was him but conversated with his now current wife regarding my account ). I have not spoken with this man in over 16 years, how embarrassing!! My rights have clearly been violated! After I contacted all 3 of the credit bureaus requesting an investigation regarding this account as well as sending Portfolio Recovery Associates a letter, dated XX/XX/2018, requesting them to not contact me again ( letter enclosed ) they have sent another letter to me ( attached as well ) They have also reported another derogatory remark on XX/XX/XXXX to my credit report since the investigation started on XX/XX/XXXX. Copy of that negative remark notification is attached as well. They have yet to provide any proof that I signed a contract with their company and that I promised to pay them anything. I have now contacted an attorney regarding the violations of my rights!
I have informed Experian many times that the following addresses do not belong to me : XXXX XXXX XXXX North Carolina and the XXXX XXXX in North Carolina ( Please remove ). 
Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.
This company placed almost XXXX non-emergency, automated-type mobile calls to me outside the scope of my consent and without providing me means to discontinue receiving these calls. The calls were either abandoned or alternatively instructed me to hold as the the calls were being recorded.. [ for training purposes ] ...? I picked up about XXXX calls without success of halting the calls.