WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I received a letter in the mail from the XXXX XXXX XXXX XXXX XXXX Department for XXXX XXXX stating that my XXXX taxes had not been paid and if the payment was not received by XX/XX/XXXX, I would be named in a lawsuit. I immediately contacted my lender, Wells Fargo about this and was told that the situation would be escalated to a tax specialist and I would be contacted in 6 to 10 days by mail with a resolution. I spoke to XXXX at Wells Fargo. I was not provided with a last name. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX tax and spoke to XXXX. I was told by XXXX that if they did not receive the payment by XX/XX/XXXX, that my tax bill would be turned over to a different department and legal proceedings would start and that my home would be put up for auction. I was also told by XXXX that a lender was not listed on my tax card. I asked if I could provide the information and was told that the lender would have to do that. I also asked XXXX if my XXXX taxes had been paid and he said no. After I spoke to the County, I contacted Wells Fargo again to try and escalate the situation and was told that the earliest I could call back in to check on it would be Friday, XX/XX/XXXX. I explained that on top of the taxes showing unpaid, an additional interest charge had been added to the account and was told by the person at XXXX that I spoke to that XXXX would be responsible for any amounts over and above the tax amount that was due. The transaction history on my Wells Fargo account shows that taxes were paid for XXXX on XX/XX/XXXX and for XXXX the taxes were paid on XX/XX/XXXX. To date, the county has never received payment for my taxes. If XX/XX/XXXX comes and this is not resolved, not only will more fees be added to the XXXX tax bill but the XXXX tax bill will also have additional fees added to it as well. I have attached the following to this complaint ; a copy of the letter from the county, the delinquent tax bill, a copy of the registered warranty deed and tax card ( that was provided to the lender ). I don't think when something is this pressing with a dead line and I have a threat of loosing my home and being sued due to an error that is not mine I shouldn't have to wait 6 to 10 days for a resolution. Someone should have taken my call when I called in and called the county and resolved it that day. I shouldn't have to be under this kind of stress and worry when I didn't do anything wrong.
i have been fighting to remove these accounts that have been open without my permission its been removed off of my XXXX  and XXXX but still showing on my trans union, the account is from Account Name XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$26000.00} i also have a problem with my XXXX report which is simular to my problem with transunion report, its shown a negative account thats not mine or on other reports i dont own this account either XXXX  XXXX XXXX {$660.00} Credit limit {$500.00} {$0.00} Opened XX/XX/XXXX
XXXX data was breached. It has been more than 30 business days since XXXX made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from XXXX
I have experienced other mass data breaches, including one via OPM. Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.
In the past I have had hard inquiries on my credit from PayPal. I have never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all from  XXXX . I looked it up and it is PayPal. These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it is  PayPal  again. I have not authorized anything for PayPal.
Purchased {$200.00} prepaid card on XX/XX/XXXX.
Card was denied when I tried to used for {$200.00} purchase.
Looked up card information at XXXX and found out that there was an unauthorized fraudulent charge in another state that depleted most of the balance. The card was always in my possession and had not been taken out of the packaging prior to my first attempt to use.
Called number on back of card and was told to fax card info, photo of front and back of card, name, phone number, address, email address and receipt.
Submitted fax on XX/XX/XXXX. Did not receive a response.
Resubmitted fax and copied the CFPB.
Received response from CFPB only.
Called number on back of card and was transferred to the Prepaid Debit Dispute Center on XX/XX/XXXX. Was told my claim was denied due to " too much time has passed '' Called CFPB and was told how to submit a CFPB claim online on XX/XX/XXXX.
XX/XX/XXXX I received a letter from California Business Bureau , Inc. asking me to pay a debt from a hospital visit on XX/XX/XXXX for {$1300.00} plus {$290.00} of interest. 

XX/XX/XXXX I sent a fax to the California Business Bureau , Inc. with a statement from XXXX XXXX XXXX XXXX XXXX showing a balance due of {$660.00} I also faxed a letter to dispute the debt amount. 

XX/XX/XXXX I called California Business Bureau , Inc. to confirm they received my fax, the person with whom I spoke confirmed it and also explained that one of my health insurance provider, XXXX, paid for my visit to the hospital but they later claimed their money back. She also advised me to call XXXX. I contacted XXXX to confirm this information and the representative informed me that XXXX never paid any amount of that bill because of my deductible hence they never claimed any money back. 

XX/XX/XXXX I called XXXX XXXX XXXX XXXX to verify the amount of my debt and the representative said the hospital sent a balance due of {$660.00} XX/XX/XXXX I called California Business Bureau , Inc. to request an explanation of the amount they are collecting and the manager of my account did not even let me talk she started talking about my insurance provider and that I should contact them, and when I tried to tell her that I talked to them, she never let me. I also told her that I did not understand why she was talking to me that way if I was being polite to her and I only was trying to get responses about the amount they are charging. This agent offered to transfer the call to her supervisor but I was transferred to a voice mail machine instead, I left a message with my name and phone number but I have not been contacted.
I closed my XXXX 's account in XX/XX/2012 after returning faulty bedding, XXXX 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX 's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}. 

I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.
I have been consistently making monthly payments to Navient and they have failed to allocate my monthly payment towards my loans. This has now caused my credit score to drop over XXXX points. There 's no way my credit score should have dropped by XXXX points when I have records to show that I have been making consistent monthly payments for either the minimum amount due or an amount higher than that. I have a total of about XXXX loans with Navient and I expected the monthly payment to go towards my loans. 

Just recently, I made a big payment to Navient and now they 're trying to pull another payment from my account without my permission. This has caused my checking account to be hit with XXXX returned item check fees. At no time did I authorize Navient to take an automatic payment. I self-pay my payments.
I received a call on XXXX XXXX, 2015 at XXXX from a Private number on my work cellphone. The caller stated he was a process server who was scedule to serve paper because someone is taking me to court for debit. He gave a the number to National Arbitration ( XXXX ) to call before Monday XXXX/XXXX/15, the he would server my papers. I called the number and was told by the woman who anwsered the phone I took out a payday loan with XXXX XXXX XXXX that I did n't pay back and XXXX XXXX XXXX is now taking me to court to press Fraud and bad check charges. I told her I ca n't pay today so she sent me to er manager. He stated the same charges and that I would be served and taken to court if I did n't pay. I called XXXX XXXX XXXX directly at XXXX and was told my account was sent to XXXX collection agency ( XXXX ) but they are not pressing charges of any kind just seeking repayment. I called XXXX whom said they sold the account to XXXX XXXX collections ( XXXX ). XXXX XXXX confirmed they brought my account and had contracted National Arbitration to collect the debit, but again are not pressing any charges. So I called back national arbitration to let them know I confirmed the original creditor is not pressing charges and what the said is false and illegal. I was transferred to a supervisor named XXXX how looked at the account note to see whom I 'd previously spoken with. He stated he had this same issue with the XXXX reps whom gave false and illegal information before and they would be dealt with.
CCS Collections is attempting to bill me for allegedly providing vehicle insurance in   XXXX   2015. I have been disputing this issue with them for several months now, and consistently keep getting misled by both   XXXX   and CCS. Initially  XXXX  advised me to send a written statement stating that I sold the vehicle in question and therefore did not need to have it insured during  XXXX  2015. After sending the statement, they switched their story and advised me that the account has been purged from their records and they can not do anything to recall it from CCS. They also proceeded to tell me the account has been sold to CCS. Then, when speaking to CCS, they clarified they are not debt buyers and did not buy the account. I feel like they are just misleading me and trying to confuse me in an attempt to coerce me into paying an invalid debt.
Capital one credit card I dont have the exact amount anymore but I already paid them in full regarding our settlement two years ago. 

XXXX credit card I already paid them in full 3 years ago XXXX   XXXX Already paid them in full around XXXX of this year. 

XXXX credit card Never been late in payment and paid them in full XXXX Paid them in full already
Bank of america credit card account, back in XXXX, I had agreed with bank of america to be on a payment arrangement plan for 6 months, representative said {$210.00} per month for 6 months and that will put me in a good standing, all negative report will be updated and corrected, so I made payments in good faith for 5 months, and noticed that my credit report were still showing negative report XXXX days, then the 6th month they called stating representative made a error should have been XXXX per month, they apologize for that error, and now I 'm in the rear of XXXX, however if i make XXXX payment today that would stop them from charging off ... 
this is not my error, as i agreed on their payment arrangements and did make timely payments as agreed ... 
XXXX/XXXX/2016, they contacted my mother, who is not on my account, nor joint owner and disclosed all my information to her and tried to collect the debt, this is privacy act and my account should not been disclosed to any unauthorized person, under privacy laws, Bank of America violated my privacy. I want them to delete this account and file civil actions against them for discussing my personal privacy
Ocwen Loan servicing allowed a mortgage to obtained in XX/XX/XXXX by a forgery, I advised them of this when I found out about it, Ocwen has released me from the loan and responsibility of the mortgage. However they only removed derogatory remarks on my credit from XX/XX/XXXX forward, since this loan was a forgery and I was not aware of it, I would like all derogatory marks on my credit report removed from the start of this forged loan as of XX/XX/XXXX
I went to annualcreditreport.com to get my free credit reports from XXXX agencies. I got an error message from Experian saying they were unable to provide the report online and that I should request it via phone or mail. After multiple tries on multiple days, I finally went to there site and was able to pay for my credit report online. I find it troubling that the free but legally mandated service is unable to provide me with easy access to the report, but that I can pay for it. Furthermore, when I tried to report this problem on the annualcreditreport.com site, I could not get past step two of three. Step 2 requires two multiple choice selections, which I made, as well as a written response in the " tell us more ... '' section. After trying multiple ways of filling the form out, I kept getting an error message that " Tell us more is invalid. Please try again. '' and could not make it past this page to submit my issue. There was no further contact information beyond a mailing address on the site.
On XX/XX/2018 I submitted a dispute to Equifax stating that a hard inquiry by XXXX XXXX XXXX dated XX/XX/2018 on my Equifax was NOT approved by me. 

On XX/XX/XXXX Equifax replied with confirmation Number XXXX statingthey had investigated the dispute and did NOT remove the hard inquiry form XXXX XXXX XXXX. They provided me with the following invalid address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wrote a letter to XXXX XXXX XXXX using that address and my letter was returned by post office as NOT deliverable.
PNC Bank  XX/X/2014    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Secured Debit Card {$300.00}   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Closed account Told, I would get a check in two ( 2 ) weeks in the mail. ( 2 wks. )   XXXX   XXXX   I was told the check would be mailed out in the next billing cycle, ( 3 wks. ) on "   XXXX   XXXX   ''   XXXX   XXXX   I was told the check was mailed Friday,   XXXX   XXXX   by  XXXX . ( 8 wks. )   XXXX   XXXX   Receive Check ( 9 wks. )
XXXX njXXXX XXXX. sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.
On XXXX XXXX, 2016, my son passed away. His home was mortgaged through Wells Fargo Home Mortgage. I being his Mother, immediately called Wells Fargo to notify them within no more than 5 days of his death. They advised me to fax them a death certificate and they would take care of the situation, including removing him from the auto-pay system ( withdrawing money from his account ). Which I did!. Wells Fargo did not remove his name from the auto-pay, Therefore, Wells Fargo went ahead and took the XXXX payment anyway, in the amount of {$460.00}, and the credit union allowed it even though there were no funds in the account, as a " courtesy credit ''. 
Since my name was on his account due to the fact that he was a XXXX, XXXX, the credit union seized my savings account to pay the amount that Wells Fargo took out. In addition, there were XXXX insufficient fund charges in the amount of {$120.00}. I was fortunate enough to have the credit union waive the insufficient fund charges, but refused to return the {$460.00}. 
I, in turn called Wells Fargo regarding the return of the funds that they has no right taking in the first place, and was met with total disregard from the person ( s ) I spoke with, saying that he/she had no idea of what I should do. 
Since I do n't think I am responsible for this debt, my son lived on his own, was responsible for his own debt, and my name was n't on his mortgage, I would be very appreciative if CFPB could help me with retrieving these funds. Thank you.
On XXXX XXXX, XXXX, My family and I am in receipt of the proposed loan modification from Fay Servicing, which is my servicer and this was what they offered : they want me to come up with {$8600.00} up front, they are increasing my interest rate to XXXX percent and my payment is going to be bumped up to $ XXXX/month ( principal, interest, taxes and insurance ) and my trial payments period is going to be XXXX months before they permanently modify my loan and they want this documents to be signed and delivered in their office no later than on the XXXX XXXX, XXXX. If it goes beyond XXXX XXXX, they automatically continue with the forclosure. Now, please do n't get me wrong, I appreciate the opportunity to modify this loan but this was what I was originally paying XXXX : They asked {$0.00} upfront, I was originally paying a 2 and 1/4 percent interest, my payment was about {$1400.00} ( PITI ) for the next XXXX years and increasing very slightly after the XXXX year. XXXX only made me make XXXX months trial payments, before they permanently modified my mortgage. Now, we understand that we fell behind and got in trouble because of the garnishment of my wages from XXXX XXXX but this was not totally our fault. Since this was caused by our work furloughs imposed to us as state workers from XX/XX/XXXX to XX/XX/XXXX. This basically took about XXXX percent of our ( my wifeand I ) such that we fell behind some credit card bills and came back to haunt us in XX/XX/XXXX. 
If we had {$8600.00} to give up we would have gladly started paying this for our mortgage. We currently have XXXX kids in college we are trying to support and another XXXX in XXXX this XXXX XXXX and going to XXXX in the fall. We do not have that kind of cash nor do we have any other resources to pay this amount. My wife and I have our credit both shot and we also have to maintain a lot of old vehicles that are starting to conk out and appliances in our house we have been trying to nurse for we are unable to replace these at the moment. We want to keep our home but we will be unable to come up with {$8600.00} up front. We feel that Fay Servicing and XXXX XXXX, who is the owner of our mortgage, is trying to show in the surface that they are offering to modify the loan with very steep conditions and requirements but really the end result is a foreclosure
On XXXX/XXXX/17 I payed on XXXX {$1000.00} for 3 rooms for a 2 night stay at a 4 star hotel on the XXXX XXXX strip. I purchased it through XXXX XXXX " hotel express deal. '' The name and location of the hotel is not advertised but the star rating and amenities are supposedly guaranteed. I was assigned the XXXX XXXX XXXX and XXXX which is not located on the strip and lacks the amenities typical of a 4 start hotel in XXXX XXXX. There is no resort, only a small pool. The hotel is not located on the strip. I immediately contacted XXXX to cancel the reservation as it did not meet the expectations based on their advertisement. They refused to cancel. I contacted Capital One and went through their dispute. I gathered pictures and reviews from several websites and submitted those to capital one. The reviews confirmed the lack of amenities and the location of the hotel not being on the strip. There are many people that have been assigned this hotel through that deal, which in my point of view seems like a bait and switch tactic, promising 4 star hotel on the strip and instead getting a hotel 30 minutes walking distance from the strip, that caters only to XXXX tourists and lacks the amenities of a 4 star hotel. Capital one did initally credit me back the disputed charge but XXXX did a chargeback. I again disputed the charge along with supporting documents of reviews and pictures of the hotel, in XXXX but was again charged back. After they reviewed my documents they requested additional documentation, a second opinion on the rating of the hotel by a XXXX peer, which I was unable to provide in the allowed time, about 10 days. They have now closed the case and expect me to pay the amount.
This credit buerau is reporting information from creditors that resulted from someone using my information to obtain money
On XXXX XXXX I made a international money transfer to XXXX through Western Union APP Mobile, I tried to send {$300.00} + {$5.00} Fee. For any reason Western Union Cancelled the transaction. But on XXXX XXXX Western Union took the funds from my bank account, but the money transfer was still cancelled. I called them several times and they told me I have to wait 7 days to see reflected the funds on my account.After 7 business days the money never was refunded, when I called them again they said that Western Union never took the money from the account. I started a claim with my bank ( XXXX XXXX XXXX ) the bank deposited temporarily the funds while start a dispute with Western Union trying to recover the funds. 
When XXXX could not recover the funds they took back the temporary funds, and that created a overdraft on my account. I have been in constantly communication with Western Union trying to clarify this situation but they just tell me that the bank has already give me the money back. They asked me to send them my bank statements, I did it 3 times and still I do n't have any positive answer from them. 
I just need to Western Union return me my {$300.00} to my account.
Ok so ive verbally told this company over the phone now 4 times .... they called today everytime from a different number ... i need to talk to a attorney, im done with this!
I made a purchase at XXXX using my netspend visa card ( prepaid debit ). XXXX service was poor and caused lots of confusion regarding payment and shipping. My account was fine and the money balance was sufficient. My account reflected that the total amount of the purchase was being held/pending. 

After no activity for a while I decided to check the account. Once checking I could see that XXXX somehow never took their money ( weeks later ). At the time my account was negative XXXX $ and some change. Netspend deducts their account fees and then takes the money when I direct deposit. 


My problem is that my account was already in the negative for weeks and from my understanding XXXX dollars is the negative limit for my prepaid account ... I did n't opt in for overdraft .... 

They gave me some story about 'force payment '' ... My point is I did n't have ANY MONEY in the account and it was already negative .... Y did they let my account go XXXX $ in the negative.. It 's pre paid card ... No money means no money ... 
Plus the rules that come with card says nothing about " forced payments '' and they said they had no paper work or inform for me about the " forced payment policy " XXXX ...