WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Direct Express XXXX XXXX Comerica Bank XXXX, my Social Security XXXX money is loaded onto this card monthly. I had fraud on my card starting on XXXX XXXX of this month and someone was able to take all of money out of my account. I reported the fraud to Direct Express as soon as I realized I had no money left in my account, my card was still in my possession, so they canceled my card and sent a new XXXX. They are telling me it could take up to 90 days for them to give me my money back. It was over XXXX XXXX dollars that was taken all of my money, I 'm XXXX and depend on this money to pay the XXXX live in Oregon and was on a mini vacation in XXXX Oregon with my XXXX year old Grandson, I was using this same card to pay for my vacation, at the time the fraud was taking place in New York XXXX, the people that used my card went to a XXXX several times and withdrew money from my account, XXXX should be able to see these people on their Surveylance cameras right? I have filled out the Fraud Questionnaire and will fax it to the Direct Express Fraud Department today, I will also mail a copy to them. I read on your website that they should put the money back into my account in at least XXXX business days after I report the fraud, they are telling me again it can take up to 90 days, are Direct Express cards treated differently? I have talked to XXXX different people in the level XXXX fraud department at Direct Express and both have told me they have 90 days to return my my money. I sure hope you can help me, XXXX is around the corner, I was planning on using some of my money for XXXX. Thank You! 

XXXX
I have asked for validation of this debt and they refused to send it to me but they also refuse to remove it from my credit report. They have never shown me that this is my account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
We closed on XXXX/XXXX/15 with George Mason Mortgage, prior to closing we were all aware flood insurance wood be required for the property at that time. I asked for everything related to the payments to make sure all insurances were covered. The lender shopped and provided the flood insurance company, they included the premium in the closing disclosure as well as the monthly cost. XX/XX/XXXX I started looking through the insurances that protect my home, I noticed I did not have proof of coverage for the flood insurance. I called the insurance company that would provide the coverage per the closing disclosure, I was informed I had no coverage because payments were not made. I contacted my lender and asked why the payments were not made, they stated the settlement company was holding the funds. The settlement company stated they never received such funds. The lender finally accepted they failed to send payments and also stated they did not include this amount in the escrow. XXXX I received a new closing disclosure with a higher amount for the flood insurance. As of today, I still do n't have the insurance coverage that was supposedly already paid. Per emails from the lender, I am being asked to sign the new closing disclosure with the date from the original closing. The premium payment for the insurance and the certificate have been lost to the lender since they have n't paid for the policy nor refunded them back to me. I am also being instructed to commit fraud by using a false date on a document because they are having trouble selling the loan.
Seller Beware. This is in regard to an XXXX auction that went horribly wrong- transaction dateXX/XX/XXXX.

On XX/XX/XXXX the XXXX buyer filed a complaint with XXXX stating they did not receive the auction item ; eventhough the package was sent through XXXX with signature required, and XXXX is showing the item as delivered on XX/XX/XXXX.

On XX/XX/XXXX, XXXX  sided on behalf of the buyer and initiated the refund process. In trying to navigate through the XXXX  refund process I inadvertently hit the " accept refund '' button. Hitting this button caused XXXX  to initiate an E-Check against my bank account through their partner PayPal in the amount of {$4000.00}.

On XX/XX/XXXXwe called XXXX   to try to get them to stop the refund, as there was clearly a mistake, and we needed to provide them with more information, as we strongly believed this to be a case of fraud. XXXX claimed they were not capable of stopping the refund, as all the controls relative to canceling or redirecting an electronic payment were on the side of PayPal. According to XXXX they are only the selling platform, and PayPal is the financial institution. We then called PayPal, and PayPal claimed there was nothing they could do, as XXXX had initiated the E-Check payment. We called XXXX back and they told us it was up to PayPal to pull back the funds. We called PayPal back, and they said there was nothing they could do. After getting bounced back and forth between PayPal and XXXX we called our bank and filed a dispute to stop the payment. Our bank launched an investigation and settled the dispute in our favor.

On 4/11/18 PayPal responded to the stop payment from our bank and returned the funds. Later that same day they issued a refund to the buyer in full ( {$4000.00} ).

We continued to work with XXXX  and PayPal to rectify this injustice, and on XX/XX/XXXX we provided the results of an internal XXXX  investigation showing the buyer received all items associated with the auction, to include copies of signatures and tracking details. We continued to be bounced back and forth between XXXX  and PayPal, as each continued to point the finger at the other as the party capable of providing some relief for the potential fraud. At this point there is absolutely no resolution, and PayPal is coming after us for the full amount of the refund they sent to the buyer.
Select Portfolio Servicing , Inc. continues to evade simple, basic questions I have posed to them regarding the validity of my mortgage debt, and instead, is relying on twisted words, half-truths, incomplete answers and non-answers in a desperate attempt to hide the truth. 

Specifically, I sent via Certified Mail, and SPS rec 'd on XXXX XXXX, a formal 'Dispute of Validation of Debt ' and in short, the reply from SPS was wholly inadequate. 

As XXXX case in point, federal law requires that the debt collector ( SPS ) provide the true identity of the 'creditor ', and yet, all I rec 'd was a jumbled mess of a paragraph that tries to say that XXXX is the 'noteholder ' - a claim that XXXX Bank has formally denied - and that SPS is the 'servicer ', and that my note is 'secured with other notes traded on XXXX XXXX ''. 

Nowhere in that reply is specific information as to who the actual 'creditor ' is as defined by XXXX XXXX. 

Additionally, another requirement in a reply regarding a dispute of debt is for the debt collector to clearly identify who the original creditor is ( or was ). SPS also failed to make clear the simple answer to that question. 

In response to an earlier complaint to XXXX Bank, SPS wrote on XXXX XXXX, XXXX that " the 'owner ', sometimes also referred to as 'investor ', 'creditor ', and/or 'note holder ' '' is in fact XXXX Bank. In their XXXX XXXX, XXXX reply, SPS clearly implies that all of those terms mean the same thing ( see attached ). 

However, in clear contrast to that assertion, XXXX Bank says it in fact is NOT the owner ( which also according to SPS means it is not the 'creditor ' nor the 'note holder ' ), and that instead, some unnamed 'Trust ' is the actual 'owner of the mortgage and note ' ( see attached ). 

Accordingly, I still do n't have a clear answer as to who the actual 'owner/creditor ' is, despite filing a formal dispute of the Validation of Debt with the debt collector. 

In addition, SPS failed to answer the vast majority of the questions I asked relative to the origination of the debt, and who was in fact the actual creditor ( or lender ) to begin with ( see attached list of questions contained in the 'Dispute of Validation of Debt and Qualified Written Request '. 

All I rec 'd was another copy of the Mortgage and Note, which shows XXXX XXXX XXXX as the 'Lender ', but without further detail regarding whose money Encore was actually lending, there is no evidence whatsoever that Encore was actually a 'true creditor ' in the first place. The information is needed to determine if this case fits the same fact pattern as XXXX, XXXX XXXX XXXX, XXXX WL XXXX ( XXXX XXXX XXXX, XXXX ), and all indications are that it does.
I was a victim of identity theft in XXXX and recently in XXXX through XXXX. I was notified by IRS XX/XX/XXXX that I had been a victim of Identity theft which I was advised to check my credit report as well. When I checked my credit report I found two accounts that I did not recognize. They were XXXX and Monterey Collections. Once I found this I contacted the credit reporting bureau to place a fraud alert and to dispute those items. I submitted police report, IRS affidavit as well as ID social security card and an insurance document to verify my identity. I sent it to XXXX and XXXX Credit Reporting Bureaus and I also sent it to XXXX and Monterey Collections. After that I recieved a letter from Monterey Collections stating that they legally did not have to verify any information with me because of a 30 day clause. So, I did contact them and let them know that I just became aware of the situation that I have forwarded all documents to prove that this information was not mine. I also told them that another company was also reporting this information on behalf of XXXX. After that there was no other correspondence with either of the two companies. XXXX sent me a contract where they had my name and my husband 's name. So XXXX asked did I know who could have done this, I told them that I was not aware and I have not heard back from them either. But what they have done, they have sent to XXXX and XXXX that those account have been verified. However, those accounts that they are saying that are verified are not mine and they are only one account that is being reported as two. I then submitted a letter to both XXXX and Monterey on XX/XX/XXXX, since they said that they would not verify the account with me. In my letter I requested validation of the accounts pursuant to 15 USC 1692G Section 809B of the FDCPA. I also included in this letter that until the items that I have requested have been validated that they are not to continue to keep reporting to the bureaus and that they have 30 days from XX/XX/XXXX to provide documents of which they have not done. Also XXXX claims that these items are no longer appearing on my credit report which is false information. They are still reporting as a Open/late account and Monterey Collections is reporting as Open/Collection. I spoke with XXXX with Monterey Collections on today, XX/XX/XXXX who stated that she received my letter requested for Validation and Cease and Desist of any collection activity and reporting and they have continued to do report false information without providing requested documentation or verifying the documentation I provided to both companies. Therefore I am emclosing those same documents submitted to XXXX and Monterey Collections to your office regarding this complaint.
I have NEVER had the name XXXX XXXX XXXX, PLEASE help me remove this nameThank YouXXXX XXXX
I opened a new American Express platinum card with XXXX in XX/XX/XXXX. It was advertised ( and still advertising ) that if you spent {$5000.00} within the first 3 months youll get a 60,000 bonus points. I met the requirements within the first 3 months and I was expecting my 60k bonus points by the end of XX/XX/XXXX. XX/XX/XXXXpassed and I did not see the bonus points. I called Amex and they said it will come in XX/XX/XXXX. XX/XX/XXXX passed and I still did not receive the bonus points. I called them in XX/XX/XXXX and they said that Ill see the bonus points in my account by the time my statement closes on the XX/XX/XXXX. My statement closes on the XX/XX/XXXX and still no bonus point. I started calling them almost every week of XX/XX/XXXX and the first week they told me it will be done manually from the corporate office, the following week I called to follow up and another person told me that they already opened a case with the case number XXXX. The following week I was told that the case was in my favor that Ill get the 60k bonus points by the end of XX/XX/XXXX. A week to the end of XX/XX/XXXXI called and they told me that it did not specify a particular date but it just said XX/XX/XXXX.
I didnt get anything in XX/XX/XXXX, so I was hoping that by the time my statement closes by XX/XX/XXXX Ill see the bonus points. This was what the person I spoke to told me. I spoke to her on the first week of this month XX/XX/XXXX ( just few days before the statement closes ). She said thats the deadline ( 6-8 weeks ) after they investigated and the points was in my favor.
Now 6-8 weeks has passed. Its been 4 months since I qualified for the 60,000 bonus points but XXXX has refused to award me the points.
They charged the {$550.00} membership fee on the first month, but they dont want to honor their words as part of the card agreement.
Wages were garnished without proper notification. My wages are being garnished from a debt incurred in 2000 based on court documents. I did not have the opportunity to dispute, review, or offers to settle. This debt is not on my credit report, I have no information on the debt. I am able to access my credit report and debts incurred and have no dispute against my obligations, however ; I do not have any information regarding this debt. 
Legal Firm responsible for garnishment : XXXX XXXX XXXX XXXX XXXX Hawaii
I have already submitted multiple complaints about our problems with Citizen 's Bank but the bank 's answers are fraudulent and now in retaliation they increased the rate to 4.75 % without any notification at the time when the rates are falling and the Federal Reserve stopped to increase interest rates. Citizen 's bank made that increase in retaliation for our two latest complaints # # XXXX and XXXX. Their mathematical mistakes continues including computation of the total amount of payment made towards the reduction of the balance.
This new collection appeared on my credit report. I contacted EOS CCA and they were unable to provide any information based on my personal information
On XX/XX/2018 I Placed a Sell Order for XXXX Litecoin for a total ( USD ) XXXX with a disclosed fee of ( USD ) XXXX according to the GDAX  Order Form. Having Placed the Order I only received ( USD ) XXXX and was charged a fee of ( USD ) XXXX. Please see the attached photographs as evidence and proof.
I am & have been paying for XXXX years a monthly amount to this DEBT COLLECTOR XXXX. XXXX the debt collector, FIRST SOURCE XXXXrefuse to stop reporting this debt as un collectable, regardless of my paying for XXXX years.
I contacted XXXX XXXX & Towne Mortgage Escrow department by E-mail on XX/XX/2018 as instructed to do by customer service. I had issues with how they calculated our monthly payment. 
The monthly payment should be XXXX they are billing {$610.00}. 
I Emailed them a copy of our 2018 homeowners policy showing the amount that they showed was paid on the statement was higher then what was due for the 2018 policy. 

They responded on XX/XX/XXXX but did not answer fully my questions. I understand that they are charging us a PMI of {$240.00} per year that we didn't know about. but there is apparently a shortage they are claiming of {$430.00} and they will not provide me a clear explaination of why a shortage exists. And I was told to contact customer service with further questions. customer service told me anything to do with Escrow I would need to contact the Escrow department. 

On XX/XX/2018 I contacted my insurance agent and she verified that they did not receive the payment of XXXX, that the Mortgage company stated they paid, instead they received what the policy amount should be {$1200.00}.
I 'm a victim Indentity Theft and this company is reporting wrong information to the credit bureua under my name.
This property was surrendered to the United States Bankruptcy Court in a Discharged Chapter XXXX Bankruptcy. The US BK Court Trustee has been ordered to sell the property. We listed the property at Fair Market Value due to SQUATTERS in the property who stripped all kitchen cabinets, all light fixtures, outlets throughout the home, damage to the property, broke the double Master Bathroom sinks, the garage door was damaged by the squatters breaking in, the window in the master bedroom is broken out. TOTAL REHAB. We have an offer of $ XXXX and Rushmore, the servicer, states their investor wants to NET $ XXXX. We submitted XXXX and there was a XXXX XXXX XXXX that sold XXXX of 2016 for $ XXXX. I have XXXX comps that support the lower amount. All of the other properties are move in ready. The subject property has no kitchen, no working bathrooms.
more than 2 years ago, I ordered a phone XXXX on-line, while the phone was said to be out of stock online after I had placed the order I called an agent and asked them to cancel the order, the next day not only did I receive XXXX phone, but XXXX. I rejected the receipt XXXX and sent it back to XXXX, what was I to do with XXXX phones? Since this was a very high end phone, it required a high end data plan. which I got. On a monthly basis I kept getting billed for XXXX additional lines ; 1 ) for the phone I kept 2 ) for the phone I sent back. I called XXXX about this and they said that they had not received the second phone yet but that I should check back. A few billing cycles had happened and I kept paying it. My account then had gone to collections as I refused to pay the excess fees because I only had XXXX phone, their records did n't show any calls coming in to the second line they were charging me for. My account was sold to the collection agency called Diversified Consultants with whom I tried to settle. Before I tried to settle I called XXXX and asked them if they had received the phone in their inventory, by then they said yes, but I had to deal with the collection service to settle the account. I spoke to an XXXX XXXX, several times to attempt to settle this, even though they say the conversations are recorded for quality, they have still not been able to produce XXXX. They agreed to take XXXX payments from my account totaling {$450.00} to clear this debt up and to send them a letter. This was back in XXXX 2014. Recently I ran my credit report to see if I could qualify to get a home loan, and this thing pops back up in my credit, but now the account has been sold to XXXX XXXX and there is still a balance of {$800.00}. I called XXXX XXXX and explained my situation and they were unable to help me as they said I needed to get a receipt of payment from Diversified Consultants. I called Diversified and they are not stating that all I paid was the fees I felt I owed and not what was really due, that I had to dispute the rest of the amount XXXX, I asked them what about the letter I sent them, they said that they did not receive it. I have moved and can not locate the blasted letter but I know I sent it. I 've tried to get a hold of them, they are not helpful. I spoke with someone who actually wanted to help and said they would send me a letter confirming the amount they had received. I received the letter a week late stating that I still owed THEM XXXX {$800.00}. I received the letter by email, attempted replying to it and the email bounced back. I also attempted calling and only go routed around and eventually dropped. I need this removed from my credit report, it was a mistake on XXXX behalf not mine.
I was always told my customer service to do a Forbearance which resulted into my loan amount increasing dramatically. I was never told about the income based repayment until i asked about it even though everytime I called about my student loans I stated that i could n't afford the payments.
I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
On my credit report this debt is showing as opened on XX/XX/2018. I do not owe this debt nor have I ever received any documentation regarding this debt.
I FULLY INTEND TO SEE THE HOUSE MY SS # & MY NAME WAS USED TO BUY IT! 
FTC TOLD ME THAT PERSON HAS BEEN USING MY SS # & NAME SINCE XXXX! 
WHY COULD N'T THEY STOP IT 25 YEARS AGO????????????????? THINK THEY WOULD MIND IF I MOVED IN WITH THEM????????????? 
I PROBABLY WILL NEVER FILE ANY KIND OF TAXES AGAIN! SINCE THEN,XXXX, COMPUTER HACKED ALONG WITH HOMEPHONE & CELL. DO N'T THINK ITS LUCK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THE GOVERNMENT JUST DO N'T CARE ABOUT US REGULAR PEOPLE THAT WORKS FOR A LIVING, BET THEY WOULD FIX IT SOMEHOW IF IT HAPPENED TO THEM, LIKE XXXX XXXX, OBAMA OR EVEN OUR BELOVED HOUSE SPEAKER? HOW WOULD IT FEEL TO BE STILL WORKING ON GETTING YOUR XXXX TAX RETURN BACK IN XXXX? JUST ASKING XXXX, YOU THINK???????????????? 
MY CREDIT SCORE WILL NEVER EVER RECOVER NOW THAT I 'M XXXX YEARS OLD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
BANK 'S PROCEDURE WHEN ACCEPTING CREDIT CARD PAYMENT. This past week I went to my local Citibank located on XXXX in XXXX, NY in order to make a payment on my Citibank MasterCard. I gave 2 checks to the teller without any problem which were drawn from two accounts I have from another bank. I then gave her cash. At that point, she asked for my ID and asked for my occupation. I was told by the teller that this is Citibank 's procedure for taking cash for any payment. When I questioned the bank manager about the inquiry into my occupation ( I, by the way, have none since I am retired ) I was told that I could avoid the questions by either using the ATM or opening a checking account with them. I told the manager that I wanted the personal service of taking my payment ( s ) and of receiving the receipt. She told me that there was nothing she could do about it. We parted agreeing to disagree. 
QUESTION : Is it legal to ask for this information when making a payment? I am giving THEM money. If so, why? I 'm handing them cash! I could understand wanting ID for a check. If this is not legal, the procedure needs to stop.
I've telephoned all 3 credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : XXXX : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX, XXXX XX/XX/XXXX Please help me resolve this matter promptly.