WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2017, I attempted to send {$60.00} USD to a friend via Western Union. The fee for " in minutes '' availability is {$13.00} for this sum. When going through the process to send money, the questions asked about the receiver are : First Name, Last Name, Phone Number ( optional ), and State. " State '' is not listed with any context, so it could be " State where recipient has a government-issued ID from '', or " State where receiver is a resident '' or " State where money is to be received ''. At the bottom of the screen are the disclaimers, which update as you make transfer choices to show relevant information. One such disclaimer is " 6 Your Receiver can pick up your money transfer at any of our Agent Locations in United States ''. However this turns out not to be the case, as the ambiguous " State '' field is in fact " State where money is to be received. I phoned WU to have the State of my order updated. They were able to do this without issue. My receiver went to an agent location in the now-correct state, and was asked for a phone number. This was an optional field when sending, so I did n't fill it out. The WU representative told my receiver that this was the only way to look up the order. So I called WU again. They told me that they did n't in fact need receiver 's number, that receiver could simply provide the number and this would resolve the issue. This did not work. WU then told me to have my receiver call WU and have them speak with the local agent. This did not resolve the issue. My receiver had to go to another WU location where money was furnished.
I HAVE SENT   XXXX   XXXX   SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS  XXXX / XXXX /   17  (  2 MOTHS AGO ) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND  DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION, LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!   I HAVE ATTACHED THE CREDIT REPORT FROM  XXXX  AND EQUIFAX.  XXXX   XXXX  STATED THAT MY REMAINING BALANCE IS {$710.00}. IF I PAID {$83.00} ON TIME FOR  XXXX  &  XXXX  THE BALANCE IS ABOUT {$660.00}. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!   THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE FROM ALL  XXXX  CREDIT BUREAUS. MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!
My husband and I wanted to do a stream line refi so we could get out of this PMI part of our loan. We started the process in the beginning on XXXX and we were told repeately that it will be just a couple more weeks until we close. We were told XXXX then XXXX then XXXX now we get a call today saying that its not happening at all due to the fact its been to long and it would not benefit us at all now! WHAT? I even called in XXXX and spoke with the guy who said its totally us, we are just way behind here we will close in XXXX for sure! What a bunch of XXXX! Its not my fault they were berried in refi applications and for some reason mine got pushed back 4 times!
Recently, Costco terminated their agreement with XXXX in favor of an agreement with Citibank. Without customer authorization of any kind, they opened a new account and issued a VISA card. I had no balance on my XXXX, as I do n't carry a balance so there was no outstanding balance to transfer. I did not activate the card, but I went to Costco - and told them I did n't want a VISA. I got a regular Costco membership card ( with no credit features ) and destroyed the Citibank VISA I had received. Then, Costco charged a membership renewal fee to the VISA card ( that I destroyed and told them I did not want ). When I called to complain, they said it would take XXXX16 business days to remove the charge, so I could pay the membership fee in cash. That would cause a late fee on the Citibank VISA card, as 14 business days is after the due date - even though I called as soon as I got my statement. Costco should not have been able to issue a credit card that was not requested, activate it XXXX to charge a membership fee ), and fail to cancel it upon notification that I did not want the card.
I applied to open a credit card with Bank of America to take advantage of a lower interest offer for a balance transfer. I wanted the transfer amount to cover the entire amount of another credit card ( XXXX ). After a couple weeks the company informed me that I only qualified for a portion of what I applied for ( XXXX ) so I contacted them by phone and told them that I was no longer interested and to stop the process. They agreed but about XXXX weeks later I learned that they opened the account and sent an arbitrary amount to my other credit card company. It took several months to get the initial money back to Bank XXXX but now there are transfer and late fees that I dont feell I should have to pay. I have been dealing with this since XXXX. I have talked to several people at Bank of America. Some sympathetic, some not but they really dont seem to want to help. Should I just pay the late fees and transfer fees and move on? Any thoughts would be helpfull. 
Thanks XXXX XXXX XXXX
Experience will not investigate unusual reporting of my identity. I have sent document proving I have never gone by the name XXXX XXXX. That I do not have a SS # that ends with XXXX. And that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am attempting to improve my credit and I am concerned that someone at some time used my information or that my information is crossed with someone else and want it investigated. They did not investigate. There are XXXX social security numbers on my report and they will not look into it.
On XX/XX/XXXX I received yet another marketing email from Bank of America ( BofA ) for the BofA app. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau, complaint # XXXX. To summarize, in this complaint, I documented numerous attempts prior to XXXX/XXXX/XXXX to have BofA stop sending me marketing email, specifically marketing email pertaining to the BofA app. On XX/XX/XXXX, BofA responded and said, In consideration of your request, we have manually refused the option for the mobile application on your behalf on our system of record and this took place on XX/XX/XXXX, Please allow up to 48 business hours for the changes to be fully effective. In addition, please be advised we have recorded your request again to no longer receive solicitations from Bank of America. After their response to me on XX/XX/XXXX, I received another marketing email from BofA about the BofA app. On XX/XX/XXXX, I filed another complaint with the Consumer Financial Protection Bureau, complaint # XXXX. To summarize, in this complaint, I pointed out that BofA did not honor their commitment to me as stated in their response to me on XX/XX/XXXX - the commitment to discontinue sending me email pertaining to the BofA app. On XX/XX/XXXX, BofA responded and said, While our enclosed previous response confirmed that the Do Not Email privacy choice was previously captured twice, a third Do Not Email privacy choice request was captured on XX/XX/XXXX. All privacy choices are honored within 30 days, with the exception of Do Not Mail requests which could take up to 12 weeks. In their previous responses to me, BofA considers the endless marketing of the BofA app as being part of my account ( and part of my account agreement with them ), and thus not marketing. However, as BofA well knows, the BofA app merely functions as an add on product and/or service. A product/service that BofA is well aware I dont need and dont want. Yet the BofA app continues to be aggressively marketed to my XXXX inbox. BofA has shown, time and again, they will continue to not honor my preferences, and not honor their commitment to me. This is exclusive to BofA. No other bank I do business with has ever done this or currently does this.
XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.
While working with a mortgage company, I discovered a debt on my credit that was invalid. I disputed the debt via XXXX. After investigating, the original company that said I owed the debt responded that the debt was indeed invalid and XXXX deleted it from my credit report. A collection agency that bought the debt some time ago is still hounding me to pay even though I 've informed them that I 've disputed the debt and the original creditor agrees it is not a valid debt.
I 've had an American Express XXXX XXXX for years. In XXXX 2016 I applied for, and on XXXX XXXX received an email that I was accepted for, an American Express Premier Rewards Gold Card. I received a letter in the mail confirming such a few days later. The card was supposed to have been sent then. 
After waiting a couple weeks for the new Gold Card, I contacted American Express through their online chat ; the rep said I would receive it in a few days but I did n't. Twice more when the card did n't arrive I chatted with a representative, each of whom said I would receive it in a day or two. However, the only thing they did was cancel my OLD ( XXXX ) card, which I did n't ask them to do. This was a big inconvenience, as in cancelling the old card, they also changed the number. And, I never received my new, gold card. 
Today I chatted online yet again with an American Express representative, 'XXXX ', who did not seem to understand XXXX well. Or perhaps she was just a poor reader. She said ( wrote ) that I had phoned to cancel my old ( blue ) card, which I had not. ( She told me to call a number to report the fraud, but I told her to do it as I 'm tired of dealing with incompetent American Express representatives ). She did n't seem to understand or know anything about my new gold card which was supposed to have been mailed to me a month ago. So I asked her to transfer me to her supervisor, which she did ( XXXX ). 
XXXX at least seemed to understand XXXX, and said that my new ( gold ) card had been mailed to me XXXX XXXX. Although two previous representatives with whom I 'd spoken had given me other ( earlier ) dates that the card was supposed to get to me, so I do n't trust that it was mailed XXXX XXXX either. He told me to phone a number to see where the card was. However, I had no desire to waste my time dealing with yet more incompetent American Express representatives, so I asked him to phone them, but he said he could n't. Nor was he able to email me or send me a message through the web site about his communication with them. 
Finally I told him to cancel both my old blue card and my ( non-existent, never arrived ) gold card. 
It is absolutely pathetic that American Express is incapable of dealing with such a simple process as sending out a new card.
I had two fraudulent debit card transactions which totaled {$150.00}. The fraudulent transactions were reported to BBVA immediately. However because of this my own transactions overdrew account and Bank charged XXXX dollars per transaction. I contacted fraud disputes and asked for them to expedite my provisional credit and fee reversals. A week later, nothing has been done. I have spent hours on the phone on hold with their disputes area, no one seems to care. No provisional credit has been made to my account and only two of the 4 NSF fees were credited after pleading with their supervisor. This is not the response of a Bank who is truly interested in their consumers well being and it appears to me as if they dont devote the necessary resources to deal with this sensitive issue
Debt is to my ex wife as stated on my disillusion. I have told them probably over 60 times in the past two months and gave them her number. I have asked them to stop calling and they continuously call at all hours of the day. They have threatened to call my parents who are n't even apart of the situation.
In XXXX of 2018 I requested XXXX, Transunion and XXXX to validate the collections that they have reported on my credit report. XXXX, Transunion and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
A fraudulent account opened through XXXX XXXX was initially disputed as fraud on XX/XX/2017. To date, the account is still under investigation and continues to report a delinquent account to XXXX XXXX 's credit histories.
This debt was satisfied on XXXX-2016. I have contacted XXXX regarding this debt asking them to remove this from my report as it has already been satisfied. I also sent them the letter they sent me stating it has been satisfied. They continue to call me harassing me.
XXXX XXXX is running classic bait and switch tactics. It lured me into the bank with a promise of a low interest rate personal line of credit, specifically prime plus 0.5 % if the line opened was at least $ 100k. In summary, even after receiving all my financial information, including a detailed financial statement, XXXX reinforced that I would easily qualify. However, less than 24 hours after my intention to apply, XXXX then stated it has an established condition of having twice the amount of the line of credit in liquid assets. Now, XXXX already knew I didn't have that based on my financial statement that I reviewed with representatives in person. My XXXX representative, XXXX XXXX, is either incompetent in that he didn't know this requirement or more likely he hoped that he could lure me into applying and then hit me with a higher rate based on a lower credit line. 

I raised this concern to XXXX who could care less. Based on this reaction, I decided to file this complaint as I believe this is a common bait and switch practice that XXXX is conducting with all of its customers. Even more concerning is that XXXX believes it can make these representations to lure in customers and say anything without reprucusions. It is truly concerning!
I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Not only that I am a victim of identity theft and the account from XXXX is a result of identity theft. But what struck me was that the other two bureaus removed the information I challenged. But For some reason, your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, Im not a complainer, but I do need this fixed. I need this error resolved immediately.
I am unable to add a fraud alert on my credit report. Equifax have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact equifax, XXXX & XXXX. The Social Security Department told me to contact equifax & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in XXXX. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.
Butler, Butler, & Rowse-Oberle PLLC filed suit against me without my knowledge. This firm is a debt collector attempting to collect on a debt to which they have no claim. They have no first hand knowledge and therefore can not be granted relief. 

The Fair Debt Collecting Practices Act 805 ( a ) states, " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' A correspondence dated XX/XX/2016 was received from Butler, Butler, & Rowse-Oberle PLLC, stating that they were retained to collect a debt and that I had the right to dispute the validity of the debt, which I did, because I have never conducted any business with Butler, Butler, & Rowse-Oberle PLLC. A Cease and Desist was also issued with the notice of dispute. 

According to the Fair Debt Collecting Practices Act ( 812 ), a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " It is no awful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. '' In reply to my disputing of the validity of the alleged debt, a correspondent dated XX/XX/2016 was received, where Butler, Butler, & Rowse-Oberle PLLC failed to provide sufficient proof of their claim to the debt. XXXX also sent copies of copies of agreements between XXXX and myself with intent to use as proof that her firm has claim to the debt. 

In addition, the Fair Debt Collecting Practices Act 811 states, " any debt collector who brings any legal action on a debt against any consumer shall in the case of action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located. '' XXXX of Butler, Butler, & Rowse-Oberle PLLC does not have a contract or interest in real property with me and therefore can not bring a claim on behalf of another party.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
I pulled my reports and noticed several unauthorized inquiries from several different companies. Ive tried disputing those inquiries with the bureau who just replies back with there valid and to contact companies. Ive tried contacting companies with no response. Also a few accounts reporting that Im aware of that bureaus just respond back with there valid but with no prof or actual validation. I have the right to report anything on my reports thats not suppose to be there n request to have deleted. Having these negative items posting on my reports does do much damage to my credit worthiness.
Barclay Credit card offered 0 % in 18months financial to purchase my laptop. After 18months passed I could n't paid off, they charge me interest close to 30 % based on original purchase price retroactively. Suddenly I saw close to {$1000.00} interest charge over {$3500.00} laptop. They claimed " Deferred Interest Financing '' in written in the contract but not clearly explained at signing. I thought my interest will e charged on unpaid part after 18 month promotion is over. XXXX time i saw " Deferred Interest Financing '' in the communication was 5 month later email after I signed. Even that email, it was very graphically miss leading not clearly explained what exactly mean by " Deferred Interest Financing '' under fancy graphical " New Tool '' interfaces.
Real Time Solutions shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.
Negative re aging of this debt to make it appear more recent then it is making it s violation of the FCA. My car was repo on XX/XX/XXXX sold at auction XX/XX/XXXX. This company XXXX XXXX has re aged this debt on my credit report to XX/XX/XXXX to make it appear more recent and that is illegal. They added 3 more years to it. I sent a dispute via credt karma XX/XX/XXXX but nothing came of it
My attorney submitted two packages of doucuments via fax and direct mail. They contained : 1 ) Statement from my educational institution abroad which showed I was living abroad when fraudulent accounts were opened. 2 ) A police report from XXXX XXXX, Iowa police that verifies I am the victim of fraud. 3 ) A police report from the jurisdiction where the fraud took place. 4 ) Statement from the property management company that owns two addresses that proves Ive never lived at those addresses. 5 ) An identity theft report from the RIS. 6 ) Documents to prove my identity. All of this ( a total of 43 ) pages was received by XXXX. Miraculously, they have claimed that this information is not enough to block these fraudulent accounts - an assertion that my local police department has called flabbergasting. Further, my attorney informs me that XXXX is now in direct violation of the FCRAs 605B provision. Apparently, XXXX  is now summarily refusing to block the fraudulent information for millions of consumers - which they are not allowed to do legally, especially when 43 pages of official documents prove the fraud of these accounts.
Equifax continues to report an error of 30 days late on my mortgage account with XXXX XXXX XXXX, XXXX, attn, Research dept, XXXX XXXX XXXX , XXXX, fl XXXX-XXXX A/c # XXXX XX/XX/2017 mortgage payment was made on time but equifax reports as 30 days late, which it totally incorrect & unacceptable. This error must be corrected immediately & reported as current.