WillisBack/dataset-financial-user-claim huggingface dataset:
i was contacted this morning by ARA Inc over a debt to a company called XXXX XXXX. They stated that the debt fell off my credit report in 2006 but that they had decided to file a lawsuit against me in XXXX XXXX. They then transferred me to their " Legal '' department. The rep there stated that they would be filing on Monday in Oklahoma XXXX and putting liens against my credit cards ( which they listed on the call ) and that they had my bank account information which would have a lien placed as well. They stated that the amount was {$5000.00}. I asked for information about the amount owed and they gave me the name XXXX XXXX. I asked why they were taking me to court when I knew nothing about this debt. They stated that they had sent me a payoff offer in XXXX. I stated that I had never received anything from them. They emailed me the payoff offer and stated that I had to pay today. I told them that I needed to look into it, and they responded that if I did n't pay today, that they were suing me. They then called back 11 minutes later and demanded the payment for payoff. I responded that I looking into it. The reps stated that she was going into a meeting about me and whether or not they were going to proceed with legal action so she needed the payment NOW. I advised that I could not make a payment at that moment. They then called back 47 minutes later, but I did not take the call as I was on a conference call at work.
I read news accounts of the Equifax breach of security and was concerned. In the news reports from XXXX and XXXX a link was given for consumers to check and see if their data had been compromised. I was taken aback when I saw it asked for 6 social security digits and last name so I tried to dig around and make sure as best I could that it was legitimate. I went to the Equifax site and saw the same address and layout and decided to try it.
XXXX XXXX XXXXXXXX I was not given any information about whether I had been compromised but was asked to return on or after XX/XX/XXXX to enroll in their ID protection service. I then saw earlier today a report that the site being used may also be unsecured and I became worried XXXX XXXX XXXXXXXX I tried to call Equifax directly and was directed to use their number for this specific 'incident ' which turns out is just a call center where employees do n't know any information at all other than if a person received a letter in XXXX they were affected and if not they were n't. But according to news stories today Equifax is not contacting all the people who have had their data compromised so they only way to find out is to sign away my rights to sue. Also if the check site is problematic or not secure, just by checking I may have exposed myself. I read reports from the XXXX XXXX this afternoon that by even just doing the initial check, whether I sign up or not, I may have given up my rights to sue Equifax. There was no button or any acknowledgment of these terms in the initial inquiry ad I have not signed up for the service. I am concerned they wo n't honor the terms of 'free service ' or will charge me immediately at the end of the year and be difficult to get out of the contract. After I poked around the website I did see a terms of service link, but no where did I have to acknowledge that I had read theses terms and agreed. So I do n't know what my rights are. I am a XXXX employee and I ca n't afford to keep a lawyer on retainer, which was the call center 's suggestion, and I am worried about more than the financial aspect as people have been arrested and jailed for crimes committed by someone else using a stolen identity. I do n't know what to do.
My husband ( BORROWER ) of a XXXX loan now deceased. I, the Non-Borrowing Spouse while in the mist of complying with ML XXXX learned TODAY XXXX/XXXX/2015 that the program as been rescinded. Ironically, today XXXX/XXXX/2015 was my deadline given to submit monies to comply with HUD 's Principal Limit Test. I called in this morning to get how to submit instructions and/or extension request. I was told that the program had be scraped by HUD and the server was not going to honor or offer the program to me. Devastating news to me for I stood ready to fulfill the outstanding requirements. So XXXX now I feel victimized of my rights as a XXXX, let alone the devastation of losing my husband I have to add these additional disappointments and agony. ML XXXX was rescinded with XXXX. This complaint goes out to HUD for their indecisiveness and wearing XXXX faces. HUD created the problem I am now faced with ( foreclosure ) while insisting that the lender proceed in foreclosing and creating my displacement all to satisfy the conditions for paying insurance claims. These foreclosures are illegal under federal law and I PROTEST. HUD need to be held accountable because I was removed from title to my home at the onset of the XXXX now I 'm being punished. I am being VICTIMIZED!!! Please advise!!!!.
In XXXX i sent equifax a letter from XXXX XXXX that they were deleted account off my file, its been off for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX its appears back on my file dropping my score 50 points, this is the third time equifax have place this back on my file since XXXX XXXX took it off, and they blames the company that they reported it, i talk to XXXX the owner and he stated that he did not report it and that equifax is not telling the truth, so he said he will Remove it again, but its a shame how equifax place things back on people credit dumping they score, its depressing and down right illegal, can something please be done, by governor equifax for doing such thing
HelloI have been sued by Citibank for alleged credit card charges. I would like information regarding the US Consumer Financial Protection Bureau said " XXXX consumer bank has been ordered to pay {$700.00} XXXX in relief to borrowers for illegal credit card practices '' and any other action regarding Citibank consumer fraud.
While on a cruise I was looking to by airfare tickets back to NY. Came across Delta, XXXX XXXX offer : if I, XXXX open card with them and would be approved for this promotion, and only then, I will get a temporary card number for buying Delta, s tickets and would get {$150.00} bonus, after I paid for Delta, s tickets with temporary card. And I was approved, got temporary card number, bought tickets, but received bill for entire amount. When I called to Delta and told them about promotion, I was denied base on I had a while ago their card. I might have it, not sure, but while on ship buying tickets on on my I pod, I did not see any mention of any restriction, only affirmation : if you being approved for promotion, and only then, you will get temporary card number to buy tickets right away. I could use XXXX and get cheaper tickets but Delta won my business with this promotion.Please help me, as a XXXX person, {$150.00} means a lot and it is not nice to lie about promotion.
I had a consumer Boat loan that I have had at this bank since XXXX. I contacted them in XX/XX/XXXX to request a Payoff as I was selling the Boat. I was provided a payoff with a timeframe ( 10 Days ) as usual. I was provided the information on where to send the payment.

I had the Buyer of the Boat XXXX the Check to the Bank. We had it Tracked It was received and signed for by the Bank official. Upon follow up, the Bank claimed they could not find the Check. They investigated and 4 weeks later could still not find the Check. In the mean time they charged me a {$30.00} Late Charge.

Hours of phone calls and communication with the bank, which I Have documented, We finally stopped payment on the Check and had the Buyer Wire Transfer the Money to the Bank.

The Payoff was {$10000.00}. The Check from the Buyer was for {$12000.00}. ( sale price agreed to with buyer and contracted by a bill of sale based on the Payoff Amount ) I received a Documented eMail confirmation of the Payoff received by the Bank. 

After One month had gone by waiting for the Titles and Refund of the difference, I received another statement from the Bank Stating my Payments are still due. Contacting the Bank again, they said the balance was {$14000.00} and was not paid off.

As I continued to try to get to someone with authority, I contacted the bank several more times. The automated phone system said there was a payoff balance of {$9.00}. When speaking with the Agent they stated that was wrong and they could not tell me the payoff over the phone and would have to send it via mail or fax it.

I communicated that I already paid the loan off based on the payoff provided and that I have documented confirmation of the payoff, and that it was {$2000.00} more than I was quoted.

Bottom line, This is an unacceptable behavior and actions by a bank that has Fiscal responsibility for consumers money. This includes lost checks, wrong payoffs, misrepresentations, false late charges.
XX/XX/XXXX I contacted SNAAC to let them know that Ill be getting out of the XXXX and was trying to see if I can lower the payments. They never responded back to my voice messages. XX/XX/XXXX they repossessed my car. A few months later they sent me a letter stating that they auctioned off the car and I owe a remaining balance. I paid off the remaining balance of {$8000.00}. Around XX/XX/XXXX or XX/XX/XXXX, a sheriff came to my house with some paperwork stating that I still owe a remaining balance of {$8000.00}. If I dont pay it then theyll start garnishing my wages. XX/XX/XXXX, the sheriff came back with a court date. Im confused because I paid the {$8000.00} but theyre saying that I havent paid it.
Someone produced fraudulent documentation to scam PayPal. There was no sale, or service transaction. It was a personal loan through a website called XXXX. This person loaned me funds for a small personal loan. I repaid them using my PayPal account. After they were repaid they filed a claim stating they weren't sent a product I sold them. I've never sold anything to anyone on line ever. I've tried to file a police report for fraud, but PayPal will not cooperate with the information the detective needs. This is a criminal matter, because it involves fraud. I've fought back, and forth with PayPal since XXXX. Two weeks ago I spoke to a representative on a recorded line who assured me this time my account would reflect a XXXX balance owed. Still nothing has been done. I've emailed numerous times, called, and sent the proof through my PayPal transaction history this person was repaid. I'm sorry PayPal got scammed, but I'm not accountable. They insist I owe them almost {$1500.00}. One charge for {$1000.00}, and the other is for {$500.00}. I keep calling/sending emails, and at this point I'm very disappointed in how they've handled this serious matter.
On XXXX XXXX 2016 at XXXX i sent money to a XXXX to XXXX XXXX XXXX through western union money transfer. I did not receive notification that the money had been sent or received as is normal procedure.I inquired form the receiver if he had received the money he confirmed he had not after which i reverted to western union on phone number XXXX during which i was advised the money had not been collected and that i should advise the receiver to visit an agent to collect the money using the mtcn number. I informed the receiver according after he went to XXXX agents but could not collect the money because according to the agent there was no money available. After this i inquired from western union several time i was informed that the money had been collected the same day i had sent it which contradicted what i had been informed by the earlier western union agents. After this my complaint with western union have not been resolved and the whereabouts of the money has not is not known. This is why i am filing this complaint.
XXXX an XXXX. Is a scam. I was a member of XXXX 's XXXX XXXX for 30 years they went bankrupt and were bought by XXXX XXXX I canceled my membership which was {$130.00} a year now five years later I get a letter stating I better pay them {$130.00} which was approximately the year membership. If I didn't pay they said it would affect my credit score. I explain to them I canceled my membership but they insisted it was going to affect my credit score. Aldous and associates out of Utah is trying to scam people. I was the 132 nd call about their tactics. Be ready and knowledgeable of your rights.
I called my finiancial insitution ( JP Mrgan Chase ) this morning to file a REg XXXX claim on a transaction that i made but cancelled the same day with the merchant. I attempted 3 times to cancel the transaction with the merchant and i was not successful so i called Chase to dispute the transaction. The first that i spoke to XXXX XXXX XXXX was very rude and was not willing to assist me. I mentioned to the rep that i made the purchase and decided i no longer wanted the transaction to go through and so i cancelled it within an hour of purchase. She told me that she couldnt help me and that since i made the transaction there was nothing she can do. I spoke to manager named XXXX and she was raising her voice, telling me that since i know it all that i should know that i cant file a claim. the merchant has more rights then me the customer. the manger did not want to file the claim for which my reg r rights were violated. I have the right to dispute transactions on my account with the bank. the manager told me that she cant break rules for me and that she has a family and bills to pay and couldnt risk her job, which i dont understand how i was asking her to break rules. Very bad customer service. I was on the phone for over an hour trying to file a claim and get my money returned to me. Asked the rep to file a claim and process a chargeback against the merchant since i cancelled with the merchant before the transaction even posted. No claim was filed. I told the Manager that i was going to contact my attonney and even said i would cancel my account of over 15 years she told me to do what i needed to do.
Just got extorted for XXXX $ city revenue dept XXXX yrvold waived discharged not owed yesterday told XXXX, $ to get illegally threatening calls debtor threats pay or stay I paid write without prejudice XX/XX/XXXX towed damaged rear end then after that denied pure true accurate ledgers falsified data all the way to the fake hearing sham XXXX XXXX XXXX XXXX where XXXX partnership company liability acts partnership act violations occurred charges as result of bogus tow fees I never received by city streets n sanitation results of computer fraud tampering gross 1692 violations 806 807 violations USC prohibited false communicationcations thru mail n much n bad legal advice intentionally in fact crook judge clerk no master rule filed to practice law,721 act no court compliance much conspiring liee
I am filing a formal complaint against FIA Card Services. I enrolled into their XXXX Program in XXXX XXXX, XXXX and completed it on XXXX XXXX. Upon enrollment, I was advised that this negative account would be deleted from my credit report upon completion of their program. The creditor did not uphold their verbal agreement. It should read for the XXXX XXXX my credit limit was {$11000.00} and the word high balance should be omitted. On my credit report, it clearly states that on XXXX XXXX, my balance : {$4500.00}. The XXXX program was {$210.00} a month. The creditor merged with Bank of America and my agreement was forgotten. I have tried to access my online account to obtain my online statements but the creditor XXXX my access upon completion of their payment program. Fortunately I was able to retrieve my original Special Repayment Letter along with my paper statement from XXXX. I entered into another payment program with another creditor during XXXX, and they removed the derogatory item from my credit report once it was settled. Thank you.
I made a payment that payed off my synchron y Walmart a ccount. Then 8 days later an auto debit payment pulled more money out of my account resulting in my account being credited. So the n Walmart issued me a check f or  XXXX  dollars and I brought the check into  Walmart  to cash it and they charged me  XXXX  dollars to cash it. They charged me  XXXX  dollars to cash their own check. What an unfair way to make money.
I have been a victim of Id theft and had some fraudulent accounts open. Ive managed to have all of them deleted with the exception of one a XXXX XXXX account. This account reported to all three Bureaus but one company refuses to remove despite the fact that I had the fraud alert on my report. I have sent them actual documents stating that I live in a whole different state.
I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX
I have PNC Bank Checking virtual wallet account.On Wednesday Night around XXXX I received TEXT alert that they transferred {$2.00} overdraft protection account and balance was LOW and woke up at night ran to PNC ATM and Cash DEPOSIT in amount of {$200.00} at XXXX and my available balance was {$170.00} after same night around XXXX I received TEXT alert that my account is overdrawn on thursday morning XXXX ACH DEPOSIT came in my account in amount of {$10.00}, {$12.00}, and {$50.00} Total XXXX ACH deposit around XXXX. TOTAL DEPOSIT ( Cash+ACH ) is {$270.00}. 

So I did my part and act quickly to make account in positive balance BUT they still charge me {$36.00} fee for overdraft this is insane and they refuse to waive charge.
XXXX and Contract Callers, a debt collection agency, tried to embezzle money from my XXXX, XXXX XXXX. They have repeatedly called on the phone from a private office number and have made threatening remarks. According to my credit report, XXXX XXXX and Contract Callers tried to embezzle {$260.00} and commit other acts of harassment, intimidation and acts of grand larceny. The latest incident was on XXXX/XXXX/XXXX. This false information on my credit report is the direct result of identity theft. Additionally, the NYS Attorney General wrote a cease and desist letter in XX/XX/XXXX on my behalf. The debt collectors in question also demanded {$2000.00} from me over the phone. They used threatening statements to make their point.
RE : XXXX XXXX XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau : In XX/XX/XXXX, I became aware of an annual interest payment check ( Wachovia check number XXXX, Account XXXX, Amount {$1.00}, dated XX/XX/XXXX ), For Interest on rent security deposit, No void remark time limits written on check. 

In XX/XX/XXXX I had dual residency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. During that time I never received an annual interest payment despite XXXX XXXX through XXXX mandate : " landlords must pay annual interest amount to tenants. If the tenant is going to apply the security deposit to rent because the landlord failed to pay the annual interest in CASH to the tenant or failed to provide the tenant with the annual update of the account information, the landlord has XXXX days to rectify these failures. " My security deposit ( totaling {$750.00} ) was never returned to ME, XXXX XXXX XXXX, and I never received any annual interest payment or knowledge of the XX/XX/XXXX check amount until XX/XX/XXXX. This same apartment complex, XXXX managed by XXXX illegally evicted ME, XXXX XXXX XXXX. The eviction is masqueraded as a legal judgment of possession but the judgment of possession is ILL GOT AND ILLEGAL, the warrant of removal is ILL GOT AND ILLEGAL BECAUSE THEIR LAWYERS XXXX XXXX and XXXX XXXX NEVER EFFECTUATED SERVICE OF PROCESS MEANING : I never received a complaint and summons and if I do not receive a complaint and summons how then can I properly defend Myself or inform a designated Representative to defend Me, XXXX XXXX XXXX, if I do not know the date, time, or venue. Lawyers XXXX XXXX and XXXX XXXX are ( located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX ) have caused ME, XXXX XXXX XXXX, great unnecessary grief and sorrow. 

Since that time Wachovia is now Wells Fargo. I have attempted on several occasions to deposit and or cash the check totaling {$1.00} AND ALL INTEREST SINCE XX/XX/XXXX to no avail. I have contacted and followed through with the state XXXX escheatment protocol to claim any monies unclaimed by Myself, and XXXX is still not cooperating under the leadership of XXXX XXXX XXXX. When are you going to learn.
In XXXX, XXXX I applied for Mortgage assistance to Bank Of America, which WAS my primary mortgage holder. ( Bank of America Loan # XXXX ) We have been working with XXXX XXXX since XXXX XXXX, trying to get assistance for a predatory HELOC loan with a fixed balloon payment that came due in XXXX XXXX. 
My husband and I have faced financial hardships due to the downturn in the economy and subsequent bankruptcy. We are self-employed but have not missed payments on our mortgages. 
XXXX XXXX keeps denying us any assistance telling us we can not prove affordability and told us that if we could modify our primary mortgage under a HAMP program, they would consider giving us assistance on our second mortgage. 
We have applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. 
We contacted Bank of America for assistance and was assigned a Home Loan Team Specialist, XXXX XXXX XXXX who guided me through the application process. 
On XXXX XXXX, XXXX, we submitted a Request for Mortgage Assistance, with follow up documentation as requested in early XXXX, XXXX. 
Then, without any response to our application, Bank of America SOLD my loan. I was sent a letter dated XXXX XXXX, XXXX notifying me the servicing of the loan would be transferred to XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX the loan was transferred. 
I was not able to get any further assistance form BofA and was not able to get through to my assigned representative. 
I was told that XXXX was aware of my application for assistance and advised that I could speak with them about mortgage assistance. I followed up in conversation with XXXX, but was met with unfriendly, unwelcoming advice. 
We had applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. My present Home Preservation Specialist called me on XXXX/XXXX/XXXX to say I was denied again, and I am waiting a letter with their determination. The rep told me that they can not help me under any government program because it has to start with my primary mortgage ... so I restated to them what happened with BofA when I applied for assistance, and they sold my loan.
In XX/XX/XXXX GM Financial went through a system conversion, which extended until XX/XX/XXXX. My spouse and I were told that our cars would update with the credit bureaus within 45 days. 

The car has not been reported been reported accurately with the credit bureaus and because of the system update it has impacted me for 12 months.
XXXX XXXX files dispute. XXXX charged XXXX {$55.00} on XXXX/XXXX/2015. XXXX sends me wire in the XXXX season XXXX disc XXXX and XXXX XXXX both of which have some sort of technical problem -- not broken -- which XXXX fails to resolve. Instead of responding they ignore and keep shipping the same inoperable discs. XXXX violates duty as a result of the contract not as a result of the law. This is a breach of contract. Not a tort. I want XXXX to send me XXXX working disc of each or remove it from online or refund the {$55.00}. Remove it from online or send me one that works or refund. I wo n't test endless discs because the problem is technical not broken. 

XXXX/XXXX/2015 XXXX {$55.00}