WillisBack/dataset-financial-user-claim huggingface dataset:
I used Western Union " quick 15 minute pay '' to send a {$1000.00} credit card payment to XXXX XXXX XXXX. It never posted. Western Union blamed the problem on XXXX XXXX XXXX and vice-versa. After research, I learned that XXXX XXXX  accepts mortgage payments from Western Union but never credit card payments. My initial problem was, why does ( 2 ) multi-billion dollar companies have the transfer feature available as an option for service to the uninformed public? My total focus has been on the extremely poor customer service & resolution from WesternUnion. The wire was sent to them on XX/XX/2018. I have complained to them since XX/XX/2018. They told me it would take 24-48 hours to resolve. My money control number is ( MTCN XXXX ) and my internal escalated complaint case number assigned by the Western Union 's corporate office is ( XXXX ). I have left an urgent message for the President & CEO XXXX XXXX, corporate customer service escalation desk, reps, senior reps, senior customer service reps, without a resolution and recent hang-ups on me. ( Disgusting ). Please return my {$1000.00} today, it's already 14 days late. They should be able to ping & reverse payments within 15 minutes. My phone number ( XXXX ) XXXX & email address is XXXX. I have used Western Union for 25 years on other matters. But, after this experience, I find there service poor.
I had a credit card through 5/3 bank and fell behind when I lost my job. The bank since then has constantly harassed me by calling at times when I have asked them no to call because of the time zone difference. Still the bank calls me on their Eastern time while I live in a pacific time zone. Further the bank got my bank account number from a payment that I made to them and randomly started withdrwling over {$600.00} each month that I would have to notify my bank that I did n't authorize and then pay the bank a stop payment fee of {$30.00} each time. This has been going on since XXXX of last year and regardless of me telling them to stop this they will not and continue to overdraw my account with each of these {$600.00} debits. Today they did it again overdrawing my account by over {$400.00}. I do n't know where else to turn since I have asked 5/3 to stop this to no avail.
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. I sent a letter and asked for validation, all I have received from them is just another bill and 2 addition letters saying they wo n't provide additional validation. I have asked them 4 times for validation but to no avail. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions XXXX  TransUnion XXXX To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX 7 ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX  10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX  XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST be removed from my credit report immediately
2 phone calls to my home phone number trying to identify who is handling the estate of my late mother. XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. Left lengthy messages to call back XXXX. 
one letter sent to my dad 's home to contact XXXX XXXX on outstanding debt for my late mother sent XX/XX/XXXX. 
This company must comb through the obituary notifications and contact people via web searches affiliated with the deceased to harrass them and get people to pay money, which they do not owe. My mother has no debts and my father 's life savings was depleted in paying every single one of the expenses she incurred while she was alive. This company is a group of disgusting, parasites. Not sure how they look themselves in the mirror every day let alone wake up every day!
Tried to modify home loan with Caliber Home Loans again, and again they keep losing the paperwork and or say they will send paperwork to fill out, but it never comes. 
We are now a few months behind, but have the funds to catch up on the loan, but Caliber Home Loans refuses to provide us with a statement of current balance. In fact, Caliber Home Loans has not mailed us a statement in over 6 months! How can we pay when our payment amount to catch up is unknown?
Supposely I received a pay day loan from Money More XX/XX/XXXX and now being contacted XXXX They say that I am being charged with fraud and passing a bad check When contacting this company they said that I was given a letter of intent XX/XX/XXXX I have never received this letter. When I asked for an address to send pament they refuse to give me a address. They are supposely going to take me court and have me arrested etc .... Phone number for XXXX XXXX XXXX # XXXX
I am receiving letters concerning a debt that I have asked for validation of the debt. All I get is we have verified the debt and I owe. I have sent several certified letters to the company requesting validation and I get nothing but my name and address and a statement saying its been verified without any such proof. After my final certified letter requesting validation they sent me a letter saying they are going to report this information to the credit bureaus. Yet I have not received one shred of validation that I have been requesting from them since XX/XX/2016.
On XX/XX/18 I opened a US Bank Checking account ending in XXXX with a promotion for {$200.00} when performing qualifying activities on the account. I can confirm that I met these requirements ( Direct Deposit at least {$1000.00} into the account within 60 days ). 

After speaking with U.S. Bank, they insist I will receive the bonus within 1-2 business days but each time, I do not receive the bonus. 

I believe I have met all the condtions as outlined on the terms and conditions page of the bonus, and even received a reply from customer service that I will receive the bonus.
I opened a new Capital One 360 Money Market account that included a {$500.00} bonus after depositing {$50000.00} by XX/XX/2018. A total of {$55000.00} was deposited by that date. In between signing up and receiving the bonus, the company attempted to change the terms of the offer to mean a {$50000.00} " balance '' instead of " deposits ''. On XX/XX/18, an online chat was initiated with XXXX that informed me an exception has been granted for my account and to return on XX/XX/18 for the {$500.00} bonus to be manually posted. On XX/XX/18, the company is no longer willing to manually post the {$500.00} bonus despite the initial offer terms being met. A copy of the offer and both transcripts have been attached.
the company dollar loan center somewhere in XXXX XXXX s/d told me they reported to all XXXX credit bureaus. they misrepresented. they only report to trans union when I offered to pay off loan ( small ) they increased the interest 159 %. they are very cut throat and refuse to put me infront of their corp '' hd qtrs. I want to resolve the problem. also wrongful credit reporting to smear me
You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, Equifax, XXXX and XXXX will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.
The mortgage has been in trial for debt collection, the house is not insure. 
Due to the problems problems of the developer and damage of construction, the problems with segregation, problems with septic tank, problems with inscription of the development and houses, the houses have no insurance. 

My ex-husband and I, the court and the bank went to mitigation and we qualify for a refinance or modification of the loan, but the investor from the bank said that the house DO NOT qualify for any modification. 

The bank remove the loan from the credit report due to the situation. 4 years later is back again. 
The house can not be used because of construction situation and fungus. The house ca not be sale because of legal situation and banks do not want to give loans to this development. 

This situation had damage my credit report.
On XXXX XXXX, 2017 I received notification from the credit bureau about a past due balance of {$4200.00} for the breaking of a Lease by XXXX XXXX/ XXXX . I received no notification in the mail from either party. I received no right to dispute from the collection agency, and they immediately hit my credit. So I called the number listed on my credit report and spoke to a XXXX XXXX. After asking him to provide documentation of the debt, he raised his voice, told me I just do n't want to pay my debt and hung up on me. I called back and asked for his manager. She spoke to me in the same tone, however agreed to send me paperwork in the mail. Once I received the letter just stating the amount owed, paperwork from XXXX stating it would not be sent into collections until XX/XX/2017 ( paperwork which I have ) and a unsigned letter from XXXX stating the balance owed, I called XXXX XXXX back on XXXX XXXX,2017. I told him I will pay what I can when I received my bonus from work in XXXX. Flash forward to XXXX XXXX, 2017. I called XXXX XXXX to let him know I would be paying for the debt my next pay period with my bonus. He stated verbally the settlement amount was for {$2100.00}. XXXX XXXX called me on XXXX. I stated I would mail him a check for the amount of {$2100.00} and he told me that is no good. I have to pay by phone know in order to settle. That as of XXXX XXXX 2017 that settlement price may go up. I want to settle the account for the amount they told me and the only way I can pay is VIA check. I called back and paid and settled the debt. ( I have documentation. My credit should of never been hit. I have a letter from XXXX showing I had until XX/XX/2017 to pay the balance. It is now settled and it is still showing on my credit.
My loan was high on intrest and dor some reason I had to apply for more loans to be able to graduate and know.I having trouble paying these loan with ridiculous high interests..
Claim ID. # XXXX Transaction Ref. # : XXXX Name : XXXX XXXX Acc. # Visa ending XXXX My name is XXXX XXXX. I am a bank of America XXXX XXXX XXXX Card holder for the past two year or so, I have filed a dispute about the outrageous charges made by XXXX XXXX XXXX XXXX in XXXX XXXX which I noted on my Visa Credit card ending with the XXXX. The charges in Amount of {$1000.00} posted on XX/XX/XXXX by the XXXX XXXX XXXX XXXX My dispute about this outrageous charge by XXXX XXXX XXXX XXXX on my Visa Credit card is as following ; 1-The rental car reservation was made online & the Total amount of rental car fees of {$290.00}, was paid in full on XX/XX/XXXX with my Bank of America XXXX XXXX XXXX credit card, And the rental car insurance which is an obligatory requirement in XXXX was confirmed to be covered by my Bank of America Visa Credit card. No additional fees were supposed to be added later on to this charges. 

2-On XX/XX/XXXX, while backing up in the parking lot at the hotel, where I was staying, I hit a tree with the rear bumper of the car causing a 4 cm superficial scratch mark WITHOUT ANY DENTATION or DEFORMITY OF ANY SORT. A paint only scratch mark on the right side of the rear bumper. I brought the pictures of the rear bumpers scratch marks to two separate car repair shops ( Car body Shops ) in XXXX, where I received an estimation of required repairs mounting to only XXXX Euro ( Depending on exchange rate just about XXXX $ ) cost of repairs. 

I was charged on my BoA Visa credit Card, {$1000.00} for the minor superficial paint only scratch marks on the rear bumper to be outrageous, for which two estimates by two separate car body shops in the same city ( XXXX XXXX ) are just about XXXX Euros, which is less than one tenth percent of the XXXX XXXX XXXX XXXX estimation for the same repairs. 

I wrote repeatedly to the bank of America Visa credit card to dispute this outrageous charges due to : 1-Extremely high charges for a minor superficial paint damages to the rear bumper of the car 2-XXXX XXXX XXXX credit Card from Bank of America which I used to pay for this rental car, is according to the credit card agreement is responsible & should be covering the Car rental insurance for my purchase. 
But the Bank refines to address my concerns & keeps telling me that they did not find any dispute & I am responsible for this damages.
I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : Equitable Acceptance Reported XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information EQUITABLE ACCEPTANCE
I received a XXXX through the US Dept. of Education ( Service Provider - Fedloan. ) My first loan disbursement was on XXXX ( divided into two for XXXX semester. ) Fedloan reported to XXXX, XXXX and XXXX that I was late for 90days, from XXXX. I have disputed the late payments once before to no avail simply because I had no documentation. Luckily, the Dept. of Education directed me to " XXXX '' recently, I was able to find the status for repayment for any time period. Upon reviewing, I found documentation that clearly states I was in Forbearance at the time of the alleged late payments. Once I knew what I was looking for, I also came across notifications in my personal email from FEDLOAN, that correspond with the dates the US Dept. of Ed. provided me for repayment. I have recently entered into an income driven repayment plan with FEDLOAN and my payments start XXXX. I am grateful for the arranged monthly payment and I 'm hoping we can continue without any problems, once this is rectified. Unfortunately for me, those 3 late payments could severely affect my future. My fiance and I are buying a home at the end of XXXX and the only thing preventing us from doing so are the late payments reported by FEDLOAN. I NEED them to be removed. I was not late. I have documentation. I am really hoping I speak with someone who does n't just give me the run around. I will report and/or dispute with more entities if I 'm forced to ( i.e. XXXX, Ombudsman Group, etc ) but I know that does n't have to happen depending on who I speak with. All I need is someone who cares somewhat about customers and is willing to listen. Now that I am set up on an IDR plan ( plus I 'm more than willing to set up auto pay as a goodwill gesture ) I 'm hoping I 'll be able to remove the incorrect late payments and get on with life. I know it can be done because I have two friends who have been successful with FEDLOAN. Do n't believe the lie that they MUST keep it on there. If you make a living by working in customer service ( like I do ) then you know something can ALWAYS be done. Please email me at XXXXXXXXXXXX or call me directly at XXXX, if you have any questions or comments whatsoever. Thanks for taking the time to read this. I 'm praying that everything gets resolved and works out in both our interests. I hope you and yours have a great holiday : )
I HAD A HARD INQUIRY UNAUTHORIZED ON XX/XX/2018 BY XXXX XXXX SPOKE WITH THE COMPANY AND TRANSUNION BUT STILL HAS NOT BEEN REMOVED.
My mother consolidated loans in 2007 with Sallie mae one opf which was supposed to be paid to XXXX XXXX XXXX. thats the first thing, it was never pd to them and now im being charged from XXXX XXXX and on the consolidation from sallie mae which was sold to navient whioch is a horrible organization.they have me on an interest only payment because they offered me no other option for repayment they had me when i was pregnant on a forebearance which shot my accruing interest sky high they want over 1000 dollars per month from me which i can not do i have a family, they told my mother to cut down on her food consuption so she can help me pay my loans. 
2 of the consolidation loans equal about 30 grand and i cant get any info on what was consolidated since the loans were sold to them. if in fact one of the consolidations was to pay off XXXX XXXX then i am owed a heck of a lot of money from them becasue they never paid the loans. I believe there were other loans consolidated on the 2 as well. 
please help me I dont know who to turn to anymore, and they keep raising there interest rates as well. 
thank you XXXX XXXX loans are under XXXX XXXX my maiden name
XXXX XXXX XXXX XXXX XXXX. Installed equipment in my home back in XXXX. At the time the company misrepresented themselves as being XXXX. After I question company after install I decided to canceled. At the time I paid in full what was owed. After misrepresenting themselves as XXXX I could not in good conscious continue after being deceived into a erroneous contract.
I purchased a few {$200.00} XXXX gift cards provided by U.S. Bank from XXXX in XX/XX/XXXX. Most of them got used quickly, but one did not get used. It remained in my desk, unopened and in its original packaging until XX/XX/XXXX when I tried to use it. I got a rejection when trying to pay a bill, which seemed odd as I had just opened the card. I logged into XXXX and checked the card and found it had 4 charges that I had not made. These charges are as follows : XX/XX/XXXX - {$24.00} XXXX XXXX- XXXX XXXX XX/XX/XXXX - $ {$53.00} XXXX  # XXXX XXXX/XXXX/XXXX - {$71.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX -  {$31.00} - XXXX XXXX # XXXX I immediately called XXXX and let them know about the issue with the card. They closed that card and gave me the information for PrePaid Debit Disputes and said I would have to continue working with them. Their office had closed for the day, but the lady at XXXX said I should contact them and also fax them the information during business hours. The lady also closed out that existing gift card and said she would send a new gift card to me with {$18.00} which is the amount left on the {$200.00} card. She said that as the disputes got resolved, I would receive credits on that new card. I waited until XX/XX/XXXX which was the first business day after that call and faxed the information to PrePaid Debit Disputes and immediately called them. The lady on the other end could not find my fax at that moment, but told me to contact them 2 - 3 business days later and check to see that the fax had been received. I called back 3 days later on the XX/XX/XXXX and verified that the fax had been received. That associate told me I should be expecting a follow up in the mail to process an affidavit from me about the dispute. On Tuesday, XX/XX/XXXX I received the new gift card with instructions on how to activate the card. On Friday, XX/XX/XXXX, instead of receiving an affidavit request in the mail, I received a letter saying that they were unable to assist with my dispute due to the fact that my notice was received beyond the time frame allowed.
On XX/XX/XXXX The company states they made an attempt to notify me that an account in which I have no knowledge of and have not had proper verification of validation of debt being owed. They reported on XX/XX/XXXX, ERC made several attempts to contact me. Which is not true. They also submitted a report saying they sent an initial letter notifying me of the account placement in their office. Began to express they spoke with me on XX/XX/XXXX, which again is not true.They also state On XX/XX/XXXX, ERC received a dispute forwarded to our office by the credit reporting agencies. Which IS true a dispute was submitted to all tree credit reporting agencies XX/XX/XXXX. As a result XXXX and XXXX have removed the reporting from my credit file because the company failed to provide proper validation of the ownership for this account and failed to do so in the amount of time legally allowed to validate debt. They have failed to remove the report from my XXXX account and it is adversely caused me to be declined from recent credit line request. My dispute reason was submitted as Ownership : I have no knowledge of this account. They then have stated that I need to contact the fraud department. Their debt collection tactics are to give the run around without properly validation. They have placed information my my XXXX account after the 45 day time limit which is illegal.
I have 2 credit cards with limits over 6k, an excellent credit score, and I decided to go with a Citi card for my work expenses ( big mistake ). I was approved with only XXXX limit, this is not even enough to pay bills for a month if necessary. I was told that I had to wait 6 months before asking for a credit limit increase. I paid my card off in full every single month, and waited the suggested 6 months and was denied. I inquired about why this happened and was told that they don't have answers. I finally got to a manager who tried to put through a request again and all they said was that I haven't had the account long enough. I explained to them multiple times that I was told 6 months and now the agent was telling me 12 months. I asked what I needed to do to get approved and they would not give me any answers. I asked if I needed to go elsewhere and was told to " do what I want. '' I checked the BBB rating for Citibank and quickly realized that they have an F rating. I do not understand how a major banking institution could possible be so successful when this is how they treat their loyal customers. I will be informing everyone I know about how terrible and unhelpful this bank is.