WillisBack/dataset-financial-user-claim huggingface dataset:
I HAD MY WALLET TAKEN FROM ME AND THEY TOOK {$2000.00} OF MY BANK ACCOUNT AND WHEN I CALLED MY BANK TO REPORT IT THEY SAID THEY WOULD TAKE CARE OF IT AND THEY TOLD ME THAT THE BANK CANT NOT LOSE THIS MONEY LIKE IT WAS MY FAULT MY WALLET WAS TAKEN FROM PURSE ALONG WITH ALL MY CREDIT CARDS AND ID. AND MY BANK WELLS FARGO DENIENED MY CLIENT AND NOW I AM OUT {$2000.00} I WANT TO KNOW WHAT PROTECTIONS DO I HAVE AGAINST FRAUD AND HOW CAN MY BANK IN 1 DAY COME TO A DENIAL SO QUICK AND JUST LET ME LOSE THAT MONEY I NEED HELP IN THIS MATTER IT IS NOT FAIR AND I FEEL THAT WELLS FARGO DOES NOT STAND BEHIND THEIR CLIENTS.
I have dealt with this company before. My paydays are on Thursdays. This is the date that I want it taken out. When I signed up for this loan they did not tell me they were going to take it out on Mondays till after I got the money. Now I am charged banking fees on top of the loan fees. 
Bank of XXXX, XXXX IL. charges XXXX for each charge that is in the negative I called them an told them this and they refuse to move the date
Please see attached documents written regarding an escrow refund that I have yet to receive since XXXX 2017. Document one was sent to my original lender regarding the issues I 'm having with no response. Document two is the trail of emails between myself and their " Account Executive II ; LC-Client Relations Department '' who I have not heard back from in over a month after the Lending company forwarded my letter over to her to help me get resolution on the issue. There is a document of the police report regarding the theft of my check that was sent to Loancare as well. I spoke to an XXXX, XXXX, XXXX and 3 other rep 's since yesterday who have not solved the issue or returned my calls. The money was stolen from Loancare and as I understand they need to pursue getting the money back from the person that stole and deposited the funds to their own account, that has nothing to do with the fact that they still owe me the overpayment in escrow fees for my supplemental taxes that are now past due as of XXXX-2017 because I was told the money being refunded was the money they collected to pay them for me and never did. I have done all the research for them to find the person that stole the money, where they deposited the funds ( XXXX XXXX ) and opened the fraud case with that company and gave that info over to XXXX as well. I have made phone calls and emails to XXXX XXXX multiple times since XXXX-2017 with no response from her to date. The rep I spoke to today stated I needed to wait 90 days for them to finalize their investigation but I 've waited since XXXX-2017 and been given false information from multiple rep 's of where my money is at or when it would be delivered to me. They wo n't allow me to speak to anyone other than a customer service rep or a customer service supervisor which neither can help me in the process. They continually place me on hold, tell me they will call me back when they never do and I 've lost an estimated 80+ hours of work time due to working on this issue with still no resolution. I am owed {$3400.00} from Loancare that they have not delivered to me.
On XX/XX/XXXX ( XXXX XXXX  PST ), I sent money to XXXX through the mobile app " XOOM ''. I sent XXXX USD. The money had to be picked up on a XXXX store ; However, when my relative ( receptor ) went to get the money, a XXXX employee told her that there was an error on her transaction, and she would not be able to get the money until the following day. Nevertheless, on XX/XX/XXXX at XXXX, I received and email from Xoom saying that the money was been picked up, and it was not. After I knew that there was a problem with the transaction, I called immediately to the Xoom customer service to find out what actually happened. They told me that they had to contact to their " partner '' which does the transactions in XXXX. On the second phone call, they confirmed that my relative did not get the money, and they argued that the problem would be solve soon. My money was taken from my bank account even when they knew that the transaction was not successfully. I called them several times, almost every day, and they kept argued that they were waiting an answer from their " partner ''. Since I did not get any concrete answer on the phone, I decided sent another complain through their website on XX/XX/XXXX. On every phone call I made they said that they would contact me as soon they get a solution for my case, and I still do not have an answer about when I will get my money back.
I disputed a charge with barclaycard, in writing, over 2 months ago. I have proof of this as I used an online registered mail service, so I can prove I sent the letter and prove the content of said letter. I closed my account a few days ago, and in my final bill they reposted the disputed transaction. When I contacted them they sent form mail telling me to submit another dispute.
On XX/XX/XXXX, I made a payment of {$70.00} on my XXXX 's credit card account. This was the full balance requested, with a due date of XX/XX/XXXX. My balance went to {$0.00}. I subsequently received a bill for {$2.00} " fee '', further described as a " minimum interest charge '' on my account, with a due date of XX/XX/XXXX, showing no other charges or fees. 

On calling XXXX 's toll-free number, I was put through the automated system, in which the last question was, " are you calling in reference to a minimum interest fee? ", and when I indicated that I was, I was told that the fee would be deleted, and my statement updated. I then received the explanation that the fee was charged for the balance between the date of the statement billed for {$70.00}, and the date of the payment. This was done even though payment in full was made before the payment was due! 

This is the second time that a fee like this has been charged to my account on a balance of {$0.00}, but no such fee is charged, or has ever been charged, on any other account I have or have had in the past. This account is not supposed to have a revolving fee. If payment in full is received by the due date, there should be no interest or other fees charged. If the balance is {$0.00} before the due date, then there is no balance for interest to be charged on. I feel that the collection of interest on money that is not owed to a merchant is fraudulent, but unless I'm a special case, this is being charged to thousands, perhaps millions of customers. 

I previously reported a similar occurrence to the CFPB, and received what seemed to be a satisfactory response at that time. But clearly XXXX XXXX has not changed their policy. Agreeing to waive an improper fee when someone complains is no substitute for honest dealing in the first place. Many consumers will not complain, and as long as XXXX 's decides when to waive it, they can withdraw that offer at any time and resume charging interest on a balance of {$0.00}. This needs to stop!
I was involved in an accident ( on XXXX XXXX, 2014 - Claim # XXXX ) while driving a vehicle rented from XXXX ( case # XXXX ). XXXX has, until now, not given the necessary quote for storage, towing and repairs to my insurance provider ( XXXX ). The credit card company ( CHASE VISA ) which was used to pay for the initial rental has rejected my dispute claim and is demanding that I pay the amount of {$3400.00}. My insurance provider has an incomplete quote from XXXX and is claiming that they have a request for the same amount that XXXX is billing my credit card company.
The account is listed as delinquent and claims that I owe them {$290.00} I had a secured card that I submitted {$250.00} as a security. I am a XXXX veteran and had to relocate for health reasons. I went to close out the account and was told that I had to pay them to close my account. I had to pay to open the account, I financed the account, and now they say I have to pay to close the account. I wrote and told them that I would pay them if they would show me anywhere they loaned or gave me monies or credit. I provided ALL the credit and now they lie and say I am the debtor. They never responded to me yet they keep this negative report on my credit record and it is causing me great anguish as it overly interferes with my life, liberty, and the pursuit of my happiness.
My information was leaked in the Equifax hack. Not only was it leaked in a bank that could be accessed in bulk ( Security was far too lax in this regard ) but the company steered me off after I found out that I was affected in their check by getting me to enroll in something that makes it so I ca n't be a part of the lawsuit ensuing. 

I get that the company is a victim as well, that is unfortunate, but it should own up to it 's mistakes. Not try and exacerbate the issues people have.
I'm submitting a complaint against Southwest Credit , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Southwest Credit ) authorizing ( Southwest Credit ) to collect alleged debt. 

If debt was purchased from ( XXXX XXXX XXXX XXXX ) by ( Southwest Credit ) provide proof of purchase and the amount that was paid. 

Show me that you are licensed to collect in my state, and provide licensed number if you are. 

I have yet to receive the requested information.
Nations Recovery has contacted my place of employment three times since I asked them not to do so in XX/XX/XXXX. I work at a call center and they have called our customer service line and asked another CSR to speak to me.
Re : Citibank ( Citigold ) accounts ending in XXXX ( {$25.00} ) and XXXX ( {$25.00} ) We were recently notified by Citibank that we have XXXX small inactive accounts ( " Insured Money Market '' and " Savings Plus '' ) each containing {$25.00} ( total of {$50.00} ). We called Citibank XX/XX/2016 and were told to submit a letter with identifying information and Citibank would send us a check to close out the accounts. Instead of sending a check for {$50.00}, we received a letter stating that, because the account is inactive, we would have to go to a Citibank branch to get the {$50.00} and close out the accounts. 
There are NO Citibank branches near either where we live in XXXX XXXX XXXX, XXXX or in XXXX, XXXX where we are visiting from XXXX XXXX, 2016 to XXXX XXXX, 2016. They have only ATM 's, and we can not get the money and close out the accounts through an ATM. 
I called Citigold Services ( XXXX ) this morning ( XXXX/XXXX/16 ) and spoke to an XXXX ( ID XXXX ) and her supervisor XXXX ( ID XXXX ) to attempt to resolve this matter by having them send me a check for {$50.00}. I was told that I would have to go to a branch, and THE CLOSEST BRANCH is in New Jersey. I COULD NOT BELIEVE MY EARS AND I ASKED XXXX TO TRANSFER ME TO HER SUPERVISOR, XXXX, WHO REPEATED THE SAME DIRECTIVE. 
PLEASE HELP!
Once again a problem with checkout at Ebay and Paypal. I filled out my credit card information for {$75.00} payment for Ebay item XXXX ( XXXX & XXXX DVDs ). I specifically bypassed all the buttons for Paypal and Paypal Credit and specifically clicked on credit card filling in all my XXXX XXXX XXXX information. I verified that the tick mark near credit card was active. I hit submit payment. The payment went through Paypal Credit and NOT my XXXX XXXX. I attempted to resolve this with Paypal ( XXXX ) and she said she would check and came back and stated they say no system issues. Incredibly enough that is similar to what occurred with a prior checkout that promised Paypal Credit and then did not appear at checkout. I have attached a whole forum of people that have had the same issue and yet Paypal ( and Ebay ) deny any wrongdoing or issues. She said I should contact the seller to refund the money so I can check out again for my preferred payment method. I am not going to taint my transaction with a new seller by yet another foul-up by checkout systems. My payment method of XXXX XXXX was diverted against my wishes.
I have recently obtained a copy of my credit file and there is mistake in my report : XXXX XXXX XXXX - I have never paid late this account, insurance paid late, please remove late status
While at work I my name was announced on the company 's PA system loud, that Express Recovery Agent was looking for me and transfer me the call. He identified himself as XXXX XXXX from Express Recovery and he was going to garnish my wages if I did not pay him immediately. He 's tone of voice along with his threatning statement was very blunt and intimidating. I asked for a settlement and he refused and Again made the comment to garnish my pay check and even file a lien on my property.
I have submitted this complaint multiple times to Ocwen and to CFPB. I would like someone to call me this time please. Here are details. My dad passed away XX/XX/XXXX and my mom in XX/XX/XXXX. Mom fell behind on payments due to sudden illness. Ocwen refused to apply any payment after that to the home. I am an only child. I have sent copies of death certificate, will and my identifications ( I will attach all those copies here ). They STILL have not contacted me. Each time you send them my complaint, they respond with " you need to send us the death certificates and apply for assumption ''. They never return my phone calls or my emails. I HAVE sent the death cert. I in fact, had my lawyer call and get the email to send them to. This is the email that XXXX, employee # XXXX gave my lawyer XXXX. I want to pay off the home. I do not want to assume the loan. They will not respond to ANY of my correspondence. I have tried to contact XXXX XXXX, office of consumer ombudsman, she only responds to send more paper. She does not call, or email. The paper she sends says " send death cert. '' WHICH I HAVE ... MULTIPLE TIMES!. Ocwen clearly does not want to work with me, because I am trying to PAY A LUMP SUM and pay off property and I HAVE SENT ALL NECESSARY AND REQUIRED PAPERS. They just want the property. Which I will sue for. Intervene please
I disputed a collection account on my XXXX credit report. On XXXX XXXX, 2017, XXXX confirms the account was deleted. On XXXX XXXX, 2017, Mortgage Lender obtains merged credit report from Credit Plus , Inc. that showed the account that was supposedly deleted. This affected my score and ability to obtain credit. I informed the Lender that the report was incorrect. Lender had me call Credit Plus directly who told me they could correct the report, but only if the Lender requested such. Lender informed me that this correction would cost {$150.00} and he would not do it. I contacted XXXX who confirmed the account was deleted on XXXX XXXX, 2017 and that anyone who ran my credit the next day would not have seen the account. Alternatively, XXXX may have deleted the account and failed to inform me that such deletion would not report for a matter of days. Either way, now I 'm stuck with either having an additional inquiry on my credit report or not getting my refinance.
The name and location of the school I attended during the time I borrowed the private student loan in question : The Ohio XXXX University, XXXX, OH. 

The issue at hand : The current situation I am facing surrounds National Collegiate Trust ( NCT ) and their attempts to collect on a series of private student loans totaling more than {$30000.00} that they can not provide any information to me about. NCT has recently filed suit in my hometown court of common pleas ( XXXX County, Ohio ) with regard to this matter and I do not know who to turn to since lawyers in my region will not get involved in student loan consumer disputes. I was actually told that these situations do not bring them any money in fees, they are an uphill battle to wage and they simply are n't worth the time. I have a real legal situation here where I am being harassed ( as well as my co-signer father who filed for bankruptcy a few years ago ) for payment and I have no way of remedying this situation on my own. NCT refuses to cooperate with me at any step along the way and I deserve a chance to validate this debt and act accordingly. I do not know who owns the loans in question, who services them, or who is able to collect payment on them. NCT has previously informed me that they occupy none of these roles ... .that they purchased loans in bulk and can not provide detailed information on individual disbursements. Please help.
XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX BANK # XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX/XXXX XXXX # XXXX AFTER ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS
I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to Equifax XXXX ( XXXX ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices.
I applied for your double rewards card and received a letter to contact the department to verify my application. I called and they asked me several questions and verified me and sent me the card.

I received the card last week on the XX/XX/XXXX. Followed the instructions to activate on-line. Once on-line it alerted me to call the Fraud department. I contacted the Fraud Department on XX/XX/XXXX. They asked me for my phone #, I gave them all # s on my family plan. They said, none of it matched, even though I gave them the phone # on my application. They asked me for the security code on my account which they told mewas correct, they asked me if I had an authorized user and I gave them my sisters name. They then proceeded to ask me if they can verify me at work. I said, Im retired. They then said I could not verify me and will send me a verification letter. This took 3 phone calls and about an hour.

I received the letter that was dated on XX/XX/18 today, XX/XX/XXXX. I called the fraud department back. They proceeded to ask for my security code, which I gave them, asked me who else was the authorized user. They asked me for the Verification code on the letter, which I gave. They said, its insuffecient. The proceeded to ask me for phone # s which they could not verify, the phone # is on my application. They then said, we will call you back. They called me back on another # which is my sisters # since we are on a family plan. Of course, she did not answer. I then listened to the message left. The message was call the number at the back of the card. I called the # and we proceeded to repeat the above. I gave them the the number and let them know that i received 2 messages to confirm my identity. I was then told me that it was not sufficient and that I would be receiving another letter with a verification pin. This took 5 calls and over an hour only not to get anything resolved.

I can appreciate the process in verifying identity. However, I was already verified the first time using my actual # when I applied. They call me on my sisters # thats on my credit report. Then when I call back and give them these # s, they tell me they cant verify me when they pulled this # from my credit report because I never gave them that #.

The credit Card is onmy credit report, but I cant use it. It has been very frustrating as I am being contacted to be verified on these phone # s that they looked up themselves, leave a message and when I call back they then tell me, its incorrect. Ive given them my account secret code, Ive given them 1 credit Card that Im using and my mortgage line and that is still not enough.

I would appreciate some assistance. Please e-mail me or call me so I can activate my card.

Thank you
Equifax is falsely withholding pertinent information regarding my credit file. I have called repeatedly and they would say they were transferring me to a speciality handling department, and then after transferred I asked them what kind of department was this, they would not give me a clear answer as to what this department really is. I have also noticed that Equifax posted a score that was lower than my actual score. I have called and advised them they that is was wrong based on my product they then blocked me from viewing my point and this is ongoing. I called this evening to advise them I was having the same problem and they said I would be able to get in tonight and it is still showing the same exact thing. I once told the rep I was recording the call he immediately transferred me to a department that played a message and then hung up on me.
Sent letter regarding a debt which I do not recognize. I sent letter back disputing the debt and used CFPB template requesting numerous questions to be answered by debt collection agency. Received response from a company with a different name and attaching summary of purported debt more than XXXX years old. This may be fraudulent as far as I'm concerned as I do not recognize this purported debt and furthermore they did not answer my queries.
New ADP paycard. I called ADP customer service to get XXXX & Account number to set up automatic electronic payment for XXXX credit cards. They gave me instructions to print out voided copy of " check '' that would have XXXX & Acct number on bottom. They instructed me to use those numbers. I then used that information on XXXX of my credit cards to set up automatic electronic monthly payments. Then I received notice from my credit card companies that the payments were " refused by the bank '' and that my payments were now late. I called XXXX Customer Service and was told that reoccurring payments had to be set up using the card number on the front like a credit card. I advised ADP that I verified with the credit card companies that they would not process a payment in that manner. I also asked ADP to process the XXXX payments that I had already initiated, with the money on my paycard, MY MONEY, and was told that there was no way they could do that. XXXX said that the only thing they could do was reprimand the customer service rep for giving me bad information but that was it. They also said they would not reimburse me for any late fees assessed by the credit card companies. Additionally, I was told that the XXXX & Account numbers were certainly valid if I wanted to deposit additional funds in my account. But those same XXXX & Acct numbers are automatically declined for any kind of payment out of my account. I 've had paycards before and used them for automatic payments. It was NEVER a problem. This XXXX pay card is a joke!!! I ca n't pay my bills online with it and I 'm limited to ATM caps if I try to take cash out. Again, I stress that I can always use those XXXX & Acct numbers to put MORE money on my card. SO HOW IS THIS RIGHT????
Company is extremely harassing ; This debt should n't even still be on my credit as I have already cleared this up in early XXXX - I do n't understand how a hospital can just take your money and act like you NOW owe a seperate agency. Something is definitely wrong with these two companies.
This is NOT a duplicate complaint. 

This was my original petition : '' OneMain Financial- Pay Status and rating key are conflicting. Contradictory and inaccurate. Demanding that OneMain Financial request account deletion from all credit reporting agencies ( XXXX, XXXX, and XXXX ) '' Please note my attachment. It clearly notes and backs my claims. You will notice descrepencies in XX/XX/2011. The Rating Key is coded as a charge-off XX/XX/2011, yet the Last Payment Remark indicates that the account was Charged Off. This is contradictory. Because of such, it is erroneous credit reporting and therefefore I am demanding that the account be deleted from all XXXX credit bureaus.