WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 at XXXX a Treasurer of the XXXX XXXX XXXX of XXXX, MA received an email requesting the wiring of {$3600.00}. The email looked like it came from the XXXX President due to the return email address matching that of the XXXX President and the signature in the text. The email was actually a fraudulent email and the XXXX President had not sent it. 
Believing the funds were needed for a XXXX project, the Board Member went ahead and wired the money to a XXXX XXXX XXXX with an account held at Wells Fargo Bank, XXXX XXXX XXXX, XXXX, MS XXXX at XXXX on XXXX XXXX. 
Several hours after the transfer was complete, the Board Member realized that this was a fraudulent email and notified and filed a report with the XXXX Police Department. 
XXXX was already closed, so the Board Member was unable to contact them until the morning of XXXX XXXX. 
On XXXX XXXX at XXXX XXXX sent Wells Fargo a service request to let them know about the fraud. 
Wells Fargo responded at XXXX EST that the service request had been received. 
At XXXX EST on XXXX XXXX, {$3200.00} of the {$3600.00} was withdrawn in person at the Wells Fargo Bank on XXXX XXXX XXXX in XXXX, MS . 

Wells Fargo, in communication with the Detective on the case, noted that they did not begin the process to put a hold on the account until XXXX XXXX. This is 24 hours after they were notified of the fraudulent activity. 
Additional funds were removed from the account through XXXX XXXX. Thus, the account was not put on hold on XXXX XXXX as stated by Wells Fargo. 

Wells Fargo notified XXXX that no funds were available for return on XXXX XXXX, even though the remainder of the funds, in the amount of {$450.00}, continued to be withdrawn from the account through XXXX XXXX. 

We have documentation from Wells Fargo and XXXX that supports all the above information.
These inquiries were not authorized by me I contacted the credit agencies but the items were not removed. TransUnion XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
I have been in communication with my lender, LOANCARE regarding options to avoid foreclosure. I submitted documents to be review for loss mitigation. On Friday XX/XX/2018, I was informed that the lender had denied my application because they felt I could not afford my mortgage payment, I asked a representative if I can appeal the denial because I do in fact make more than enough to resume making my mortgage payments again. I was informed by the representative on behalf of LOANCARE that the letter was generated on Friday XX/XX/2018 and mailed to me and that due to that, the sale has been activated for tomorrow XX/XX/2018 and they intend to move forward with the sale without giving me the opportunity to appeal it. My application was denied on Friday, Monday was a holiday ( XXXX XXXX ) and today is now Tuesday, which has left me with one business day to figure out my options, how is this fair? My Homeowner Bill of Rights have been violated, I was refused the right to appeal well within the means of the denial and I was never assigned a designated point of contact with LOANCARE.
I receive a call daily from XXXX XXXX XXXX. They are calling me at work, and can not have personal calls at work, do not answer calls that come in from XXXX 's number.
On XX/XX/XXXX while writing out bills, I noticed that Home Depot was not applying any monies to the deferred interest accounts that we have with them. Since XX/XX/XXXX I have been making payments, assuming that the deferred accounts were being paid down. I now have over {$1500.00} that has never had one dollar applied to the account.

I called Home Depot on XX/XX/XXXX and spoke with a representative and a supervisor that told me they do n't have to do that and I would have to call them each month and tell them where to apply the monies I paid. I told them there is nothing that I could find on the bill that indicated I would have to do any such thing. I told them it was unethical and it was obvious that they offered the no-interest as a way to get more money from their customers.

I am an authorized user on the card and I then tried to re-direct the XX/XX/XXXX payment to pay part of the no-interest accounts, at that time they would not allow me to make the changes and would have to have my husband make those changes.

Unethical, lying cheats!!!
Money Recovery Nationwide in early XXXX sent me a collection notice for some past due Medical Bills. 
I called the company to set up paying these bills, even though my Flex Spending Account was not charged from the original hospital/doctor. 
The FSA will not cover collections, and I am willing to pay the bill now. So I setup a payment arrangement with Money Recovery Nationwide. 
On XXXX XXXX, 2016 a collection was filed on my credit report. I called Money Recovery and they told me there is a older collection that is old and that was filed. The Collection is in the payment arrangements. I offered to pay the {$25.00} and they told me that it will showed " Paid '' on my credit report. 
I asked them to delete it from my credit report. To which I am told they do not do " Pay to delete '' or " deletions ''. 

This is against the agreement I made on the phone in XXXX to keep further collections on my credit report. 
I am under the assumption that the payment arrangement is to keep the collections off my credit report. Therefore I would like it removed.
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( coduent  )
I was charged XXXX {$35.00} overdraft charges which I feel are not due to my error but rather the banks. My bank has a Bill Pay Service which I use for various debits XXXX of which was my monthly rent which I indicated to be paid XXXX/XXXX/2015 since my deposit would not go in until that date. The bank Bill Pay Check dated XXXX/XXXX/2015 was posted on XXXX/XXXX/2015 creating an overdraft since the account balance at that time was {$380.00}. The XXXX overdraft fee was charged due to an {$20.00} debit also on XXXX/XXXX/2015 at which time there was {$380.00} in the account, however, due to the bank 's accounting method it posted " after '' the {$950.00} debit. There were XXXX other debits posted on XXXX/XXXX/2015 but these posted prior to the {$950.00} debit. This policy seems to me to be selective and inconsistent. Enclosed is a copy of my bank statement and letter to XXXX of XXXX
Today XXXX I called XXXX XXXX XXXX XXXX   XXXX to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment. 
Legally are they not required to inform me prior to a garnishment being issued? 
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void. 
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here. 
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate
In XXXX of XXXX I bought two properties that are adjacent ; one with a home and one that was a vacant  lot. I financed with a local bank and they sold the mortgage to Caliber Home Loans. The loan was only on the lot that has a home, the vacant lot was paid for in cash. Caliber collected escrow funds to pay taxes on both of the properties. I have never understood why they have done this since the vacant lot was not financed by them. I have repeatedly requested that they stop collecting money to pay property taxes on the land that they do not finance. I have never been successful in getting them to stop paying the taxes. I sold the land a year and a half ago ( but retain the lot and home next door, which they hold still the mortgage on. ) Caliber Home Loans has continued to collect and pay taxes on the land that I no longer own. They have collected the money from me and paid it to the county treasurer, EVEN THOUGH I DO N'T OWN THE LAND. They refuse to return the money to me. They made me wait for over a month while they 'researched ' the situation. They determined that they have indeed been collecting money from me and using that money to pay taxes on land that I do not own, but they stated that the country treasurer took my money and 'refunded ' it to the current land owner. Caliber has told me that I will need to contact the new land owner and collect the money myself. I have contacted the XXXX County treasurer myself. They confirmed that Caliber has been making tax payments, but the treasurer denies that my money was refunded to the current land owner. I requested that Caliber Home Loans provide me with their customer contact log because this situation has been going on since they acquired the loan ; they have refused to share the log with me. I have not recorded dates and names of all of the people I have talked to at their company as initially, this was just an inconvenience. I have called them once or twice a year for at least 5 years asking them to stop collecting and paying the property tax. It was not really an issue until they continued to collect and pay taxes even after I sold the land. I sold the land in XXXX of XXXX, Caliber Home Loans made a property tax payment of {$XXXX} on XXXX/XXXX/XXXX and another payment of {$XXXX} on XXXX/XXXX/XXXX. The payments were made to the XXXX County Treasurer in XXXX County, Idaho. I have asked them to return the money to me and to recalculate my escrow payment. The only thing I have managed to get them to do is to FINALLY stop paying taxes on a property that I do n't own ( they have stated that they will stop, but I wo n't be sure of that until after the next tax due date passes ). They refuse to recalculate my escrow payment ( until the regular recalculation next year ) and they refuse to refund me the money that they have taken to pay the property tax. From my perspective, they have made the error and they should have to get a refund from the county or the new land owner. I did my due-diligence and tried for several years to get them to stop paying the property tax. It should not be my responsibility to figure out how to get my money back from the treasurer or the new property owner.
I have 2 Home Equity Loans with PNC. The payments are due on the XXXX of each month : {$660.00} on the primary and {$39.00} on the second. 

On XX/XX/18, I realized the auto-payments through PNC 's online payment transfer system did not occur on XX/XX/18 or XX/XX/18 as I had expected. I did not get a call and, since I use a separate checking account for loan payments only, I did not notice I had missed 2 payments. Once I did, I called customer service, went to the bank, etc., etc. I was told they would investigate the problem. 

I made 4 separate payments on XX/XX/18 ; two of XXXX and two of XXXX. I then made both payments on XX/XX/18, bringing my loans up-to-date. Eventually, I was informed that the investigation found that there was nothing wrong on the bank 's end and it was determined that I must have canceled the auto-transfers in XX/XX/2018. I was told it would not be reported to credit bureau. Since I didn't have any proof to argue that I did not cancel my auto-transfer, I moved on and continued to monitor my accounts online. 

Once I was up-to-date after the payments on XX/XX/18, I set up the auto-transfer online again except I changed the amount and frequency in hopes to get ahead on my loan. I set up bi-weekly payments of approximately half the amounts due XXXX {$330.00} and {$20.00} ). I ensured the payments would be paid so that the total amount due was paid before the XXXX. 

Therefore, on XX/XX/18, payments for XXXX and XXXX were paid to the loans. Then, on XX/XX/18, two more payments of XXXX and XXXX were paid to the loan ; total paid was XXXX and XXXX - made before the actual due date of XX/XX/18. Then on XX/XX/18, I got a call from PNC 's debt collection, informing me that I was behind on my payments by half. I went through each payment with the representative. She told me she could see that payments had been made and the accounts should not be showing as behind. She told me she would " put in a ticket '' to have it resolved and I should just keep making my payments as I had them set up. 

Also on XX/XX/18, payments of XXXX and XXXX were automatically transferred from my PNC checking account to the loans. And again, on XX/XX/18, two more payments of XXXX and XXXX were made - again totaling XXXX and XXXX, paid to the accounts before the due date of XX/XX/18. Then, on XX/XX/18, I got ANOTHER call from PNC 's debt collection department, telling me my accounts were both past-due. I attempted to go through each payment with the representative but this time she told me there were no payments made in XX/XX/2018. 

I have no idea what the problem is but I need it to be resolved, I'm sick and tired of having to deal with this every month!
I am a XXXX NMLS # XXXX - XXXX XXXX - I have been working with XXXX XXXX to secure a reverse mortgage for him. He has a Georgia XXXX XXXX loan that is a year old. There was not enough money to pay it off - so in XXXX I asked them if they would subordinate - they said they would. I proceeded to have XXXX XXXX pay for an appraisal & we are moving to close the loan & now they are saying they will not subordinate. That is not ethical - I need your help.
I submitted a dispute with Equifax and XXXX last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called Equifax and XXXX due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.
In XX/XX/2016, my father offered to pay my Citi card. He forgot when he had to have multiple back surgeries and the account fell a few months behind. I was never called, no letter received or email about the delinquency. I did not know my father had forgotten. My wife pulled my credit in summer of XX/XX/2016 and was shocked when she found how far behind I was. I immediately called in XX/XX/2016 and made a payment of {$100.00}. I also made a few more payments and enrolled the account into debt consolidation with " XXXX. " The contract with XXXX was accepted and signed by CITI before XX/XX/XXXX. The contract was ratified on XX/XX/2016. A payment had been made to CITI before XX/XX/XXXX. Another payment was made XX/XX/XXXX Payments have been made continuously since XX/XX/2016. The account is showing as Charged Off. I have been calling for months about this since I am actively paying the account and have been since summer of XX/XX/2016. Each month that I made a payment, CITI noted the Charge Off. CITI entered a contract to not charge off, accepted payments and terms they would not Charge Off the account. I have been calling for months and gotten atleast XXXX different departments who tell me different things. One says they didnt accept terms, another says they did but the charge off was before they accepted, another says there was an error on their part, and lastly the last phone center rep said that I was in PRE-Charge Off when the first payment was accepted. Reguardless, CITI is violating the terms of the debt consolidation agency, their own word and the law by accepting payments on an account that they claimed they never received funds for.
XXXX card no. XXXX, XXXX card no. XXXX and Chase card no. **************** are always lowering our credit limit and it is affecting our FICO score because of the maximum utilization percentage.Our maximum utilization percentage is higher because of the lowering of credit limit and it is happening frequently.Yes, we do have debts and we are making payments every month which is more than minimum payments and we are lowering our debts in a responsible manner.
My name is XXXX XXXX, daughter and Power of Attorney for XXXX XXXX. My dad received Notice of Forcloseure, he had separated from wife whom I assume was dealing with all his finances and who is illiterate. I live in a different state than my dad and traveled to his place of residence to put in place the legal documents in order to act on his behalf. I reached out to CitiFinancial to modify loan. I received Forebearance Agreement. Down payment of {$1400.00} had to be made by XXXX/XXXX/15. All siblings agreed to pitch in to make the down payment. All siblings did not pay the amount needed. I reached out to our tribe for assistance who agreed to help and pay the downpayment required. The downpayment was wired XXXX/XXXX/15 and returned. Wire sent again and returned. XXXX XXXX wire was not going thru, they gave different wiring instructions as initial account had been closed. Wire was sent out a total of 5 times. All wires being returned. CitiFinancial is stating that they did not receive the wire on date specified and wondered why I sent wire after instructed to do so by them stating that it takes XXXX hrs for a wire to post and monies needed to be posted to account by date specified. I have provided CitiFinancial with all the wire documents showing diligent good faith efforts to send them the downpayment as required. CitiFinancial stated the only wire they did receive was the one sent on XXXX/XXXX/15 which they have stated has been returned. CitiFinancial has stated that the foreclosure proceeding will take place unless the outstanding balance of approx. {$9000.00} is paid to reinstate the account. I complied with every requirement given by CitiFinancial and they are refusing to accept the downpayment even when provided proof that wire was sent but returned. CitiFinancial is stating that it is not their error that wire was returned, even though they provided wiring instructions for closed account. CitiFinancial is stating that bank made error when sending wires and therefore they will proceed with foreclosure proceedings. It does seem as though the bank did make an error in sending the wire although attempts were made and it is not my dad 's fault those errors were made nor his fault that Citi provided wrong wiring instructions. My dad is XXXX years old and I feel as though CitiFinancial not only breeched the agreement we had in place but also refused to modify loan accordingly to his limited social security income. His loan rate is over 8 % and based on a 10 year old appraisal, there is approx. {$30000.00} of equity in his home that I believe CitiFinancial is trying to cash in on. I certainly think that if they were n't, the forbearance downpayment would have been accepted and loan placed back in good standing. CitiFinancial 's actions in my opinion have not only be morally unethical but illegal by acting in a fraudulent manner by providing wrong information and then after being provided all evidence that wire was sent several times they stated forbearance was declined.
I received a email from Citibank today, dated yesterday stating they closed my account for inactivity, and that the only way to reopen the account is by having my credit rechecked ; which is okay if I wanted a new card, but I do want a new card. It would be unwise for me to allow them to recheck my credit, because they failed to notify me in advance of the closure, and did not give me the opportunity to keep it open. Apparently, they did not want my business. My XXXX XXXX had not been used per their CS rep. ( XXXX ) and Manager ( XXXX ) in the last 25 months. I explained to them both, that I was not aware of that, and that they never notified me in advance to give me the opportunity to keep my account active, which was unfair. So, they both stated it was part of my contract, and in my contract that they could close my account. But, I know it would be proper procedure to notify the customer in advance about the potential of closure of my account, which did not occur ... furthermore, I am listed as a paperless/green customer in their records. No email received about closure without giving the opportunity to use the card is unfair. What fool with allow credit card customers to recheck their credit because of the credit card unethical business practices, I am not a fool. But, I wanted to alert you of their unethical business practices, because someone who might depend on their credit cards is being treated unfairly. I have a excellent credit rating, and thank God  have always had a good credit rating. So, this is just water under the bridge for me. Customers that keep their credit cards at XXXX balance every month should not be penalized, especially for unethical business reasons.