WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a friend {$100.00} via Western Union. On two occasions the recipient has attempted to pick up the money and on both occasions has been denied payment. I called Western Union customer service where I was told by the person I spoke to and then that person 's supervisor that Western Union has no control over it 's agents and whether or not they pay recipients. When I tried to cancel the transaction Western Union 's customer service refused without reason they simply said that they are not authorized to cancel a transaction which I do not believe. First their agents do n't have to pay funds contracted by Western Union to pay and then Western Union will do nothing to remedy the problem, and their agents rather than the intended recipient end up with the money? There has to be consumer fraud going on and being perpetrated by Western Union in my opinion.
I pay my mortgage to Chase via XXXX. I accidently entered the wrong XXXX XXXX XXXX XXXX XXXX XXXX did not contact me, but my payment was returned to them due to the wrong address. Chase sent me a late payment and we ( XXXX ) uncovered what happened. I immediately paid my XXXX mortgage payment. Chase reported me to the credit bureau. I 've had my home for almost 20 years and have never been late. I 'm asking Chase to expunge this from my record based on my good-faith statement. They refuse. I think this is unfair, not consumer friendly, and a severe repercussions for a simply typing error. I have all the records on XXXX and can provide to you at any time.
CRA/HIPAA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Both XXXX XXXX and Portfolio Recovery Associates have been improperly reporting the XXXX XXXX/XXXX account. In the Condition category the account should be listed as being paid and should say paid. Within the Condition category it should not say derogatory. This should not be listed as such because it does make the account looked as though it hasn't been paid. This has hurt my overall credit reports and score
On or around XX/XX/XXXX, I attempted to withdraw {$60.00} ( {$62.00} with ATM fees ) from a small ATM machine inside of a gas station/convenience store. The ATM machine NEVER dispensed the cash that I requested. I disputed this transaction with PNC Bank N.A . TWO times immediately and my claim was denied TWICE by PNC Bank N.A . on or around XX/XX/XXXX and XX/XX/XXXX. In addition, just recently I reported some checks lost or stolen and placed a stop payment on those checks. As a result, PNC Bank placed a red alert on my account in the event that someone attempted to cash one of my personal PNC Bank checks. Sure enough, on XX/XX/XXXX, XXXX gentleman walked into a PNC Bank N.A . in XXXX, Florida ( XXXX XXXX ) with one of my lost or stolen personal checks from my PNC checking account. The PNC Bank teller did not follow proper bank protocol ( she did not compare the signature on the lost or stolen check to my signature that PNC Bank has on file in their computers ) and cashed this lost or stolen PNC Bank personal check of mine despite me not writing and the hand writing/signature was OBVIOUSLY not even close to my handwriting/signature. In addition, the personal check that was erroneously cashed by PMC Bank seemed to be altered and/or manipulated including the date amongst other things on the check. In addition, the Bank teller ( who carelessly cashed this check ) or Branch Manager XXXX XXXX even call me to verify if I had written this check to this unknown person and they even admitted to me that the Bank made ab. PNC Bank has failed and wronged me on several occasions including this occasion and are failing to reimburse me for the XXXX above transactions that I did not authorize or receive any benefit from. I dispute the {$62.00} ATM transaction on XX/XX/XXXX again and was told that I would receive an immediate credit to my PNC Bank checking account on the next business day but I still have not received a credit. In addition, I disputed the lost or stolen check on XX/XX/XXXX that was forged and cashed without my authorization and was told that I would receive an immediate credit the next business day but that NEVER happened AGAIN.
I was notified by Bank of America that my account balance had gone below XXXX. I knew there was over XXXX left in the account so that did n't make sense. I pulled open my account online and it showed that I was over XXXX overdrawn. The previous day I had written a check for XXXX. It was used to pay a loan at a different banking institution. In my Bank of America account I had over XXXX in the account so there was plenty of money to cover it. When I called Bank of America they said that they could see the check that was trying to clear and could see that it was for XXXX, but it was being processed as XXXX dollars. Extra XXXX somewhere. I asked what to do. Was transfered to a manager. The manager told me that if I brought in the extra money before XXXX that I would not be charged an over draft fee. She said she did understand that the check was not for a XXXX and that it was only written for XXXX, but the banks policy was that I would be charged an overdraft if I could not cover the check with additional funds. She said to call the other institution when they opened and talk to them and in the mean time they were returning the check. I asked her to at least waive the fee for overdraft and she said she could not. She said that to get the fee returned to my account I would need to call the next day and see if they could deposit the over draft fee back into my account. It makes no sense to charge a customer an overdraft fee when there is clearly an error between the XXXX banks. I called Bank of America at XXXX my time as soon as I saw there was an issue. They agreed that it was a banking issue and that I had not done anything wrong, but charged my account an overdraft fee anyway? Where has basic customer service gone in this industry????
Our mortgage just recently got sold to Selene Finance from XXXX XXXX XXXX, when confronted with XXXX XXXX XXXX told us we have no say in the matter, that nothing will change on our contract on our modification when Selene takes it over, well here we are the second month they have sent us and our PMI insurance went from XXXX to now XXXX. When you call them you can not get connected to speak to anyone. Can you tell us what to do now, since we have been contacting you about this issue for the past 4 to 5 months.
I tried to open a bank account with Wells Fargo and then found out that I have several fraudulent accounts opened up under my name and social. I 've reach out to Wells Fargo to gain resolution and keep getting the run around. The accounts are a result of my identity being stolen.
I requested my " Full File Disclosure/Credit Report '' from the company Lexis Nexis ( a 3rd Party Credit Reporting agency ) and discovered they are reporting a derogatory item, the derogatory item they list on the report is a " Bankruptcy '', under my name. I sent XXXX XXXX, ( who Lexis Nexis reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Lexis Nexis received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. Lexis Nexis has not responded to me with a decision, not reported my dispute and they have not responded to me with any action. This " Bankruptcy '' that Lexis Nexis has a record of is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores and credit granting abilities negatively. I want this " Bankruptcy '' removed. Lexis Nexis failed to respond in 30 days of my letter and did not provide me with any competent verification of this " Bankruptcy '' bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the " Bankruptcy. '' I will file separate complaints with CFPB if necessary. Thank You
Chase Morgan Bank announced to me that they would be raising my interest rate from 9.74 to 14.74 % despite a perfect payment history and excellent credit. They claimed that everyone had this increase although I have reason to believe that this is not true. They said they raised my interest rate because they no longer will offer a lower rate and it will bring my rate in line with the other users. So, they are claiming that those with good or bad credit were all given the new 14.74 % rate. They said that this is the case for this " card product. '' When I inquired as to the other " card products '', they refused to respond. I left emails, personal messages and voice mails with my local Chase Bank, with the Delaware office, and with their " Premium '' supervisor. The only one who communicated with me was the " Premium '' supervisor who refused to give me information on the other card products and I might be able to apply. I filed a complaint with the XXXX XXXX XXXX. Chase refused to disclose their follow-up letter to me which stated, in a terse and unprofessional manner, that they had already responded to me on this issue and their decision remains intact and final. I have reason to believe that their knowing me to be XXXX is another reason why they unjustly decided to raise my interest rate through the roof with no justicification whatsoever.
On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX. appeared on my Transunion credit report. I am disputing this inquiry and requesting documentation regarding a third party 's access to my consumer credit report pursuant to the permissible purpose provisions of the fair credit reporting act.
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify these inquiries and accounts, being that they have gone past the allotted days and can not verify these inquiries, under section 611 ( 5 ) ( A ) of the FCRA. They are requested to " promptly delete all information which can not be verified. '' Please resolve this matter as soon as possibly, Thank you
I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.
Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.
I have a loan with ROUNDPOINT MTG XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and ROUNDPOINT MTG with no successful resolution. XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
in   XXXX   I went to a used car dealership in VA called  XXXX   XXXX  Auto they promised to sell me a car at a low payment and had a plaque saying they were military friendly and provided the best rates for military when it was time for me to get someone to finance my loan they said they had a bank they worked through that gave military the low interest loans so I accepted and they told me to go wait in the waiting area and then an hour later they called me back in to the office at  XXXX   XXXX  and they already had a contract drawn up and ready for me to sign the interest was really high but they said that within 90 days expect a call from the Snacc the bank they used to lower the interest rate of the car loan never got a call and i called the bank and the sales rep we had talked to denied stating this to me i was stuck with the car till the loan was paid for i tried to return the car to the dealership but i was told i was being stupid and had many degrading language used against me i was  XXXX  and while on  XXXX  they had missed up with taking the money out on the  XXXX  of every month i got a message from my mom stating that  XXXX  had called her and my brother, my aunt, my grandmother stating they were going to repossess my car and i had my mother contact them since i did n't have much phone service and if i did it was for a limited time and i was on hold for the duration of my phone calls with the bank my mother worked with them to figure out a payment plan so that when i got back from  XXXX  i had a bigger debt to settle with them and the new debt included about  XXXX  plus extra dollars a month for late fees they had contacted my entire family and that legal action would be taken against me i had my car repossessed and had to pay about  XXXX  grand to get the car back when i was only 2 months behind on payments i had to pay the bank about  XXXX  grand to get my car back since i had no way to get to and from work and then i had to pay another  XXXX  plus to a towing company in cash for getting my car back i found new scratches on my car but was told that the towing company was n't at fault and when i got in touch with the bank that they were n't either the military messed up my pay for 4 months so i had contacted   XXXX    and asked for some lenience and was told there was nothing they could do and had my ccar repossessed for the  2 ti me i have been trying for weeks to get in touch with  XXXX  to get my things out of my car when i call   XXXX   i was sent automatically to the repossession sector without letting me talk to a representive and and told to leave a voicemail and if i leave multiple it would take them longer to get back in touch with me that was almos t 2 wee ks ago i am still waiting to hear back from the bank my credit has taken a huge hit
Navy Federal Credit union has repeatedly garnished our bank accounts for a credit card we had while we were in the military. We had paid for insurance to pay off the debt if we were XXXX due to service, but they refused to honor it, and gave us the run around for 2 years to purposely cause the coverage to no longer apply. They have seized XXXX payments from the VA, which is illegal to do.
This debt collector was continuously calling me on the phone and I had to tell them to please stop calling my phone my job to just stop bothering me. So now they went out of their way to actually send a physical person to my girlfriend 's house with fake documents stating that they are suing me for the debt, that is harassment and I want something done about it
i had a credit card with Cabelas. They change who services their cards to Capitol One. It was at the time of the change of providers my credit information was breached. Cabelas and Capital One are responsible for this breach. this has caused me to be inconvenienced by spending hours talking with Cap One, sending emails to the CFPB, overnighting the payment for the charges i owed, talking to the bank and social security. I have had to spend money on fraud protection and freeze my credit. My credit score has gone down because Cap One has sent me two new credit cards. one of which i never received. Have other people been affected during this change of providers? 

I also received an email from Social Security telling me someone tried to change the password on my social security account!
I own a very small studio in XXXX XXXX, Illinois. I rely on the small Social Security Benefits for my support. My mortgage is with Chase Bank. For the last 5 years I have been trying to obtain a modification for my loan based on the US government guidelines, sending modification paperwork to that bank in many copies. At the same time Chase filed a foreclosure against me. I have been sending all the required documents as requested by Chase ( over and over again for no reason ) but never received a modification. At the end of this entire cycle Chase went through the foreclosure process and sold my condo. Now I am in the position that I have nowhere to go and will end up on the street.
capital one bank, XXXX XXXX XXXX, ut. took over my XXXX  credit card some time ago. i recently requested a line increase on XX/XX/XXXX. i applied online and also over the phone, but it was a robot and not a real person. subsequently they turned down my request and the reg b form say it was because " credit line increases are not available at this time upon request for this type of account. '' they invite me to go thru creditwise to help me with my problems. XXXX   shows me with a credit score of XXXX, and on-time payments of 100 %.

of course when i get to a real customer service representative they give me the runaround that i should check my credit score and delinquency and also end up saying that the computer makes the decision and they have no control over it.

i believe the reason to turn me down is in violation of reg b, and if the reason is true it means they havent raised the cr. limit on any credit cards which is hard to believe
Our property in the United States Virgin Islands was damaged in Hurricanes Irma and Maria in XX/XX/XXXX. We were allowed a forbearance in order to deal with the aftermath of the storms. We are now consistently making agreed upon lower than usual payments while we go back and forth between the continental United States and XXXX XXXX, United States Virgin Islands in order to make repairs that will make the property habitable. Our most recent several day repair visit ended XX/XX/XXXX. On XX/XX/XXXX, a third party service, XXXX XXXX, attempted to change the locks on our property. My neighbor saw the person, believed it was a break-in attempt, and confronted them. This person told my neighbor that the property was " in foreclosure ''. My neighbor, knowing that we regularly make payments, and that we are in the process of making thousands of dollars in repairs, believed the lock changer was a scam artist and sent the person away. When we called our mortgage company for an explanation they acknowledged regularly receiving the agreed upon amounts from us, confirmed that we are not in foreclosure, but claimed that they were attempting to lock us out because the property is abandoned. This property shows no sign whatsoever of being abandoned. While it requires repairs in order to be fully livable, it is neat, clean, furnished ( this can be seen via windows ) electricity and water work at the property, and all doors are locked. No reasonable person who actually visited and looked at the property could conclude that the property is abandoned. The Flagstar employee person we spoke with, XXXX, employee # XXXX, then indicted that we were not entitled to any contact or explanation before being locked out. We are deeply distressed to the point of illness that Flagstar made no attempt to contact us before sending someone to lock us out, and further, that they offer no guarantee that this will not occur again. This has been a very stressful post Hurricane period made worse by the behavior of Flagstar. Flagstar indicated during the call that they would note on our record that the property is not abandoned, and that we travel back and forth to make repairs, but they refused to provide any written follow-up that we telephoned, or any indication that our record has been noted. We feel entirely at their mercy, even as we spend our hard earned money to complete repairs. We have dealt in a good faith manner with Flagstar and they in turn are treating us very badly.
I have been making monthly payments to them, when I called to set up another payment with  Credit Collections Bureau,   XXXX  said I have legal paperwork for this but then took my payment. I have had a different situation with this company where they tried to sue me for someone else 's debt and we were going to court on this and they dismissed it. I have not been notified of such lawsuit against me as well as the first initial letter they sent me to give me my 30 days to validate the debt had they would take legal action on me as well, again another FDCPA violation.
I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXXXX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed untilXX/XX/XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor inXX/XX/XXXXto work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.