WillisBack/dataset-financial-user-claim huggingface dataset:
For a mobile transaction, this is your receipt. For all other transactions, this is a summary of your online receipt. 

Your tracking number ( XXXX ) is : XXXX Transaction Date :XX/XX/XXXX XXXX ET Payment Method : Card Number : XXXX XXXX Delivery Method : At any agent location in receiver 's expected payout location. 
Sender : Name : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX State : NC XXXX : XXXX Phone Number : XXXX Receiver : Name : XXXX XXXX XXXX City : XXXX State : TAB Country : XXXX Expected Payout Location : XXXX, TAB, XXXX Payment Information : Card Type : XXXX XXXX Number : XXXX Expiration Date :XX/XX/XXXX Transaction type : Purchase Payout Information : Today 's Date : XX/XX/XXXX Date available in receiver 's country :XX/XX/XXXX Delivery Method : At any agent location in receiver 's expected payout location. 
Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Any promotion discount already has been applied Transfer Summary : Exchange Rate : XXXX USD = XXXX XXXX Transfer Amount : XXXX XXXX Total XXXX XXXX For all transfers, receiver may receive less due to foreign taxes. For transfers to a bank account, receiver may also receive less due to fees charged by the receiver 's bank. 

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the Receiver at XXXX or https : //care.westernunion.com/us/en/ask You can also contact us for a written explanation of your rights. 

Subject to applicable law, you may cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited.
For inquiries or comments, please visit https : //care.westernunion.com/us/en/ask, e-mail Western Union or write to : Western Union Financial Services , Inc . 
XXXX XXXX XXXX, XXXX, CO XXXX or call : XXXX For questions or complaints about Western Union, contact : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) http : //www.consumerfinance.gov/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX http : XXXX  Western Union also makes money from currency exchange. 

If your payment method is a credit or debit card please note card issuer cash advance fee and associated interest charges may apply.
Pinnacle Credit Services is repeatedly calling my mother-in-law, threatening that I am going to jail. I have never received verification or validation that this debt belongs to me.
I have been disputing a bankruptcy on my Experian credit report for the past couple of years. I have gone to the Bankruptcy  Court  in  XXXX , NJ that Experian has told me that they verified this information from and the Bankruptcy Court in  XXXX , NJ stated that they do not verify, report or give information regarding bankruptcies to and third party and credit bureaus. Every time I dispute the bankruptcy with Experian they state th e Data Furnisher has verified this bankruptcy and refuses to give me the methods in which they verified. I have received several letters from The US Bankruptcy Court stating they do n't verify with third parties so how do they continuously validate a Bankruptcy that they can not verify with the courts. I was told various times that they do n't have any information to give me to show me who they are getting this information from. Everything that is reporting on y credit reports are suppose to be accurate but it is n't. I have attached a Letter from the US Ba nkruptcy Court,  XXXX   XXXX  that states the bankruptcy that they are reporting is fraudulent and should be removed
As ofXX/XX/XXXX, 2018, my credit score from the 3 agencies are as follow : Experian : XXXX XXXX  : XXXX XXXX : XXXX The stunning difference between Experian and the other 2 is striking. I noticed that XXXX, through its associated cie 's like XXXX, XXXX XXXX and XXXX XXXX, lowered by credit limit over 5 times this past year for cards associated with these accounts, which all showed in my Experian credit report. It appears that this led to my already low Experian score to get even lower. By 9 points!!! 

This makes no sense, whatsoever. I got the store credit card to finance some purchases, like a lot of other people. Paid in full, 100 % on time. Then this " stale '' credit I forgot about gets lowered because the parent company wants to penalize me for not using their card, and somehow this can draw my credit score by 9 points in the past few months? Really? Are you kidding me Experian? To give you and idea, I lost 14 points for short-selling my house, for crying out loud ... Get real. 

My complaint is that Experian system of calculating the Fico score is completely out of touch with reality, lacks proper gauge for credit score changes, and is out of sync with other agencies. I pay my mortgage religiously, my kids ridiculously expensive after school program, my car loans, contribute to my 401K, my kids 529 plans, have plenty of cash reserve in my account, have a 7 figure net worth and yet, none of this matters. If some rando furniture cie decides to lower my credit limit on some card that I do n't need anymore then, by all mean, that mandates tagging me as a financial problem in the eyes of Experian. 

Experian should be excluded from credit pull if their system is unreliable and disconnected from reality. I am about to refi my mortgage, and the idea that these idiots have a say in this is mind boggling.
While checking my Free Credit report a pop up window indicated that I should apply to XXXX.XXXX for a personal loan for as little as 6 % APR. It had pre-filled in a lot of my data from my credit report. It said by clicking on the offer, my credit would not be impacted. This was very important to me because I have pristine credit, ( FICO above 800 ). I foolishly clicked on it and was instantly pre-approved for {$20000.00} loan at 6.4 %. 
I then received instructions, on how to complete loan, which I complied with to the letter. They said they had eveything they needed. Then emailed this : " Thank you for your recent application for a personal loan through Upgrade. Unfortunately, your request could not be approved at this time. However, you may reapply in 30 days if you feel that your circumstances have changed. '' Perplexed ... I called. Customer Service said I can't tell you why, wait for an email..which never came. They refuse to communicate with me after that. 
Then I got an email telling me to reapply. I did and now they offer a 14 % loan. This is classic bait and switch. I requested in writing to give me a free credit report and accurate reason why I was denied credit. This is predatory lending and they damaged my credit score.
I was the Chase card customer. My card was fraudulent used XXXX, Chase refused to remove those fraudulent charges off my account and hold me responsible for those charges. 
Chase should respect there 's pledge and should investigate and remove those charges from my account. 
I have sent Chase my travel documentation indicate that I was not in the country during those charges. 
I was pick pocket and only copy of my passport was stolen not my original passport which show that I was not in XXXX during those charges.
XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on Experian and XXXX. This is not my account, and it seems like XXXX has proven this.
I took a {$800.00} loan out on XXXX XXXX. I was not informed of the 523 % interest rate and I was told there was only a monthly payment of {$180.00} come to find out its bi weekly. I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.
I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
XXXX has a customer service infrastructure straight out of the XXXX 's. I have been involved in a multi-month process for IDR to go in effect on both mine and my wife 's loan. I am required to take time off of work and go through a 1 hour plus process waiting on call center representatives. Information is not consistent and already complicated processes are made more challenging by XXXX 's antiquated infrastructure. Their self serve options are non-existent. They have 0 texting or mobile functionality I experience in every other financial services industry. Very simply notifications via text would have prevented 99 % of my issues. As a citizen, I am troubled by the waste that confounds our already insurmountable student loan debt.
On XX/XX/XXXX I had a bal in my checking account of {$120.00}. On XX/XX/XXXX l checked account again and it showed negative {$400.00}. The pending transactions were a {$75.00} and {$450.00} auto payments. The {$75.00} payment was pending 1st and {$450.00} payment 2nd. I made arrangements to transfer {$400.00} into my account to cover amount short.. This morning XX/XX/XXXX checked bal and it showed {$400.00} deposit pending because it arrived after midnight, but they reversed the order of the 2 automatics and charged me two {$34.00} overdraft fees. When I called Chase bank to correct problem and at least refund the od fee for the {$75.00} payment, they refused stating it was there policy to pay the higher amt check first, advised her that the policy did no benefit me in any way, but allowed them to charge and extra od fee on my account. When I advised her that I had a screen shot showing the {$75.00} pmt pending 1st and the funds were there to cover it, she said did not matter because it was there policy to post larger amt Please help. Thanks XXXX XXXX XXXX
1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) TransUnion Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) XXXX Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) XXXX Credit Reporting wrong information on Delinquent, and recent credit inquiries
" " '' I have disputed this collection XXXX XXXX XXXX XXXX  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.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
The law firm that Cash Call hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from XXXX and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.
BMW FINANCIAL IS REPORTING A CHARGE OF ON MY CREDIT REPORT AND AGRESSIVELY ATTEMPTING TO COLLECT DEBT ON THE VEHICLE THAT i RETURENED BACK IN 2011 AND WAS TOLD THAT NO BALANCE WAS DUE FROM ME DUE TO THE FACT THAT THEY WERE XXXX TO RESELL THE CAR AND I PAID ALL THAT WAS DUE FROM ME TO CLOSE THAT ACCOUNT. SEVERAL YEARS LATER I DISCOVERED THAT MY CREDIT REPORT HAS A CHARGE OFF FROM BMW FINANCIAL FOR {$6700.00}. I CONTACTED BMW AND AFTER 7 MONTHS OF CALLING AND WRITING TO THEM ( i DO HAVE A PROOF OF MAIL SERVICE TO BMW ) THEY FINALLY RESPONDED WITH THE LETTER STATING THAT I STILL OWED THEM {$790.00}. HOWEVER WHEN I CALLED TO PAY I WAS DEMANDED {$6700.00} AND THEY DID NOT AKNOWLEDGE THE LETTER ... THIS HAS BEEN DAMAGING MY CREDIT FOR YEARS AND I STRONGLY BELIEVE THAT BMW HAS VIOLATED FAIR CREDIT REPORTING AND FAIR CREDIT COLLECTIONS ACT. I 'M HAPPY TO SUPPLY ANY AND ALL SUPPORTING DOCUMENTATIONS AS NEEDED IN THIS LEGAL PROCEEDINGS
Dear CFPB, I am writing this letter in regards to one of the transitions via Paypal. I sold a pair of XXXX shoes on XXXX and the seller disputed immediately after she got the shoes, accusing the item not as described. I am asking for a fair investigation I have listed the picture of XXXX selling page. Unfortunately without investigation, Paypal refunded the buyer without returning my shoes. In the appeal case, Paypal said my shoes is unauthithc. The truth is I bought the shoes from XXXX XXXX and I attached the receipt and credit card statement for the transaction. Besides, Paypal locked my account, and now I dont have access to use my money on the account. 

I have been treated unfairly and to an extent been bullied in this case. And I am not the only seller who has been deprived equal rights in defending ourselves. I am speaking out in hope to save thousands of small business owners like me and to strive for a fair and just online business environment. 


Sincerely
Our home flooded during the XXXX floods in Louisiana. Because we have a mortgage our insurance settlement money is being managed by Chase, our mortgage holder. They require a signed contract with a general contractor to release funds. We have already had work done to our home due to the delays in getting our settlement. Just like thousands of others we are displaced. If we did not have flood insurance Chase would not be involved so why do they have to be involved when it is OUR insurance money?
This my second request via CFPB, your company has fair in providing full validation of this public records in the way the FCRA require, you has no provide me proof of how you validate these public records, who did you spoke with, position held by this person, how long was this conversation. I a third party was use to validate this public records this is a clear violation of FCRA and this request will constitute proof of my request to your company to enforce my consumer '' s right. An identity theft report had been filed with the FTC and a police report had been filed : XXXX County Police Department # XXXX. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. if you continue listing these items illegally this complaint will serve a proof in a court of law. I'm reporting this as an effort to clear my name.
XXXX XXXX XXXX XXXX capital one with all major bureau in violation police reported with ID theft gov violation of my rights!!!
Credit Shop said my interest rate was 32.25 %. I have made XXXX payments so far as follows : Date payed Principal Interest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What happened to 32.25 %? I would have never agreed to this type of loan! I am being ripped off.
XXXX XXXX came stopped me from buying my home I need this off I have never done business with them. I have sent countless letters to them asking to prove to me it's my debt by showing me a signature and haven't received anything.
I have spoken with first Virginia several times over the last week. I informed them my income changed and was struggling to pay loan. I worked with their corporate office and attempted to do partial payments. I really couldn't afford them but was trying to make an effort to do something. Now the loan is so far behind its about to default and all this interest and fees are being placed on account. On XX/XX/18 I spoke with corporate office a lady name XXXX who had left me a message 2 days prior saying that it would be too late if I didnt call back in 3 days this was left in my voice mail. When I called back she told me that only option she could offer is for me to pay {$270.00} I believe and they would match that and make a payment for me. I told her I cant do any where close to that she told me to call back and talk to customer service see what they could do after default. I called on XX/XX/18 and spoke with the manager I  believe his name was XXXX of the first Virginia store in XXXX XXXX XXXX XXXX PH # XXXX I spoke with him on XX/XX/XXXX as well and had been calling him since Friday afternoon because he had told me he was going to see what he could do to help me and call me back but he never did so I called him. he offered the same for me to do payment of XXXX and they will match that and make a payment or do s payment of XXXX and that will make account 30 days past due. when I told him I could only do XXXX and do the rest my next pay day to make the payment XXXX he said that wouldn't work because another payment will be do. Then he started to threaten me and tell me if I didnt do one of the options and it defaults I wont have any money anyway because they will take it was his exact words. he said I needed to make a decision before they take it I told him there isn't that kind of money in my bank account he said no they will take from your paycheck and you wont have a choice. And that if I get something figured out call him back. He was very rude and threatening
Spoke to two different representatives from XXXX XXXX XXXX XX/XX/2018 as well as XX/XX/2018 about financial hardship due to medical issues which does not allow me to work or make payments to the alleged account. They asked what my medical issue was which is an invasion of my privacy. Per the policy on their website, " We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. '' I read their policy to them with exact verbiage and offered to send in documentation if needed and they refused to accept those and offered to place the alleged account on hold. However, that is not their clearly stated policy and the representatives were rather nonchalant to the policy they clearly uphold on their website.
Closed Wells Fargo Secured Card ( and my checking and savings account ) and asked that the {$300.00} that I deposited for the secured card be mailed to me. I was asked what address to send it to and I gave Wells Fargo my current address. After about 2 weeks, I called and told Wells Fargo that I never received the check. I was informed that it could take 45-60 days to mail it to me ( first I heard that )! I asked could I pick up the check at a Wells Fargo bank and told no. This is absurd to me. I wish I could make a payment I had due, if I had one to Wells Fargo, in 45-60 days. Just give me my money back. How hard is that Wells Fargo? Why are they holding it?
Dates : XX/XX/2016 {$630.00} amount at top Later in letter states {$850.00} emergency visit {$70.00} service provided between 10 : I sent a debt validation letter, with a request of my copy of my signature where I agreed to pay this
In it 's response to complaint XXXX, SPS says they are denying my right of rescission because my loan originated in 1998 ... my ORIGINAL loan did originate in 1998, BUT XXXX ( the original servicer after they got the loan from XXXX, the original lender ) advanced over {$50000.00} to repay themselves what they spent tp pay off XXXX XXXX, my XXXX mtg holder. 
Thus, they did not just modify my original XXXX mtg like they ( SPS ) are trying to claim ... they actually REFINANCED my XXXX mtg because adding the {$50000.00} plus in additional funds is a cashout loan. The {$50000.00} in funds added to the original balance is money lent to me ( whether I wanted to borrow it or not ) ... unless they did not charge me for the XXXX mtg payoff this is a cashout refinance, period. 
Thus, I stand by my demand to rescind the loan. 
If SPS cares to make a reasonable counter offer, I will listen, but only if they acknowledge the true facts.
I paid my mortgage down to XXXX % XXXX, I sent payments to wells fargo as they requested, I sent wells fargo a copy of a certified appraisal, my property appraisal is XXXX and my mortgage balance is currently XXXX that puts me at XXXX in equity. 
wells fargo refuses to return my calls, i faxed to wells fargo a written letter to cancel PMI. 
I electronic transfer payment from my bank and it has been tasking over 10 days to apply to my account. 
they keep asking me for more money and they keep sun I feel they are violating the homeowners protection act they keep giving me the run around
I am unable to access my equifax credit report. I have been denied credit because of the inability to pull the credit report. I am applying for a mortgage and can not gain access to my report. I have called numerous times to no avail. I filed a complaint here an it was fixed for approximately a week, then again reverted to not being accessible. I have purchased there product to protect my credit. They continue to charge my account {$19.00} even though I am unable to access my reports. This needs to be rectified, so I can access my report for a home purchase. I was not even able to access their reply to my first complaint. I need a call from the executive office to explain why this continues to occur. It is an error on their part with their software. I plan to hire an attorney if this is not corrected permanently. I am aware of multiple other people with the same problem and believe a class action law suit would be in order. This must be fixed.
I sent a letter informing Experian that I did not dispute their investigation in late XXXX. They never changed anything I asked. I was turned down for a mortgage because of this. I am attaching the original letter and one I wrote today showing what I need done so my report is accurate. Please help!!
I paid for car repairs in the amount of {$2000.00} at XXXX XXXX XXXX XXXX XXXX with my Capital OneCredit Card. I found out they simply painted over a dent when they charged me to fix the dent ( the total repairs were {$7000.00} for a XXXX XXXX XXXX accident ). XXXX XXXX gave me a warranty with the repairs. I told them they charged me for a unibody pull and they did n't perform one, they simply painted over the dent in the right rocker panel. They refused to honor the warranty. I called Capital One and gave them all the documents they requested. Their foreign merchant dispute personnel did n't tell me what they needed, but I provided all required documentation and a merchant second opinion along with a second estimate for re-doing the repairs that XXXX failed to do. Capital one REFUSED to submit my documentation to MasterCard and would not extend the timeframe to dispute due to their own horrible foreign non-XXXX speaking customer service people who messed up the chargeback dispute due to their incompetence. I want to invoke my rights under the Fair Credit Billing Act - I will not pay the {$980.00} I am disputing nor will I pay interest on that amount. I want that {$980.00} removed from my credit card bill.
I have recently started to receive phone calls from a company that identifies as Direct Recovery Services calling from XXXX this week. When I answer it is a recording and threatening to take action by XXXX if they do not hear from me. I was contacted today by my husband, mother and ex-husband that they all also received same call asking for me. I have attempted to contact company but they hang up on me and threaten to sue. I have yet to hear what they are attempting to collect. Sounds like a scam to me.