WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XXXX while checking my XXXX credit report I found a negative payment showing from XXXX XXXX XXXX.It showed that I was delinquent for {$1000.00} I contacted XXXX to dispute it and it was removed. On XX/XX/XXXX I received a judgement in the mail from XXXX XXXX XXXX looking for the amount of {$2400.00}. I had no idea what this was about and tried to contact them to find out what this was. They could not give me any information so I contacted a lawyer by the name of XXXX XXXX in XXXX. I paid him {$800.00} to retain him and he contacted XXXX XXXX XXXX. They too could not tell him what or who it was for but he told me if he could negotiate it down it would be easier than fighting it as it becomes expensive. He stated that this is the business practice of XXXX they just go in and get a judgement without my having any knowledge whatsoever that they are doing this- never notified at ll. He got it down to {$1000.00} which I paid and was told that my credit would not be affected. Well now my credit score has plummeted as it was put on my Experian report. I disputed it and XXXX XXXX will not remove it. They had to remove it from XXXX  and XXXX  as they had no proof that it was mine and it was not mine. But it was cheaper to pay the money to this company than to fight it. Experian will not remove it and it is not right as it is keeping my score very low. My bills are usually paid in full each month and I believe that whatever information that Experian got from this XXXX XXXX company was incorrect.
I sent a request to verify the debt and received zero proof of the debt validation. I do NOT have a contract with Plaza Services nor have I ever done business with their institution. I do not owe this debt. Plaza Services has failed to comply with the FTC and has violated my rights as a consumer. I want Plaza Services to remove their information from credit reporting agencies as the information is false and affecting me negatively. Again this is a violation of the FTC.
We would like to file a complaint on Stewart Title of California for {$55000.00} NSF deposit for Escrow not disclosed to us. On our 21 day escrow per the sales contract originally dated XX/XX/2018 we received confirmation XX/XX/XXXX they had received funds, but were never later notified that the funds were non-sufficient. We and Stewart title moved on with the escrow, we the seller made trips to Arizona for replacement property, hours of time and thousands of dollars were spent on Home Inspections, Pest Inspections and subsequent repairs, packing, renting storage, satisfying escrow and title needs with the knowledge that a deposit was in escrow. The buyer removed all contingencies on XX/XX/2018 and these monies were considered ours as the sellers. We then went on to sign all documents to close escrow at Stewart title in XXXX XXXX, Ca on XX/XX/XXXX assuming our property was sold. It was not until XX/XX/XXXX that Stewart Title notified all parties that they were resigning as title holder and terminating the escrow and at that time we were told that there were no funds to close the deal and the original funds previously acknowledged were not available. 
As the escrow holder being the State Custodian of funds until released per contract which was non-refundable to buyer. Stewart Title violated the Contract, Escrow Agreement and Fiduciary Duties as Escrow Holder. As we were given no update that there were any issues with the escrow or the funding until days after signing the final sale documents, we believe Stewart title is responsible to pay us the complete sum of the liquidated damages of {$55000.00} per the sales contract.
I use  XXXX  which is a personal micro savings app. The service uses an app to study your back account and your spending habits to make micro withdrawals from your account for savings. The service also promises to cover overdraft fees if the app does n't do this properly or withdraws money that causes an overdraft. I am complaining because I am not being given the full overdraft reimbursement.       On Friday  XXXX   XXXX   XXXX  took  XXXX  withdrawals of {$62.00} and {$53.00}. I was not alerted to this fact and only found out because my bank sent me an alert.  XXXX  has never taken this much from my account in  one d ay before. I attempted to withdraw the money and was told by the app that it would not be available until Wednesday  XXXX   XXXX   XXXX  ). During this time I attempted to withdraw money from other  XXXX  savings to stop the overdraft fees, but it was not enough because I have set up pre planned payments that the app should be aware of. I immediately contacted   XXXX   on Friday  XXXX   XXXX   XXXX  ) and was told by the representative that the money would not be available until Wednesday  XXXX   XXXX   XXXX  ) and I also told her that because of this I will overdraft significantly. She responded that it was  XXXX  policy to cover overdraft fees and asked for screenshots.     Fast forward to this Tuesday when I now have  XXXX  NSF fees and after many emails to the rep I am told that   XXXX   is not responsible for the overdraft fees and that they will only be reimbursing me {$15.00}. I was upset because if that large amount had not been taken I would not be in this situation right now. My account would have been fully covered.     I asked to speak with management and was given the same spiel that   XXXX   was not the cause, but  XXXX  caused this snowball effect. It is supposed to be smart enough to know my bank account and given my time with the app it would be obvious that taking that much money in one day would not work for me. I feel as if this company is trying to find a simple loophole to avoid responsibility. My account would have been fully covered if the app would have taken the normal amount it usually does.     I feel like   XXXX   is not honoring their agreement. I have closed my account. I now have  XXXX  NSF fees and I was only able to access the money they took today (  XXXX   XXXX  ). The money wo n't post until tomorrow which will balloon this problem even further.
XXXX XXXX XXXX XXXX California ) and their collection agency, Wells Fargo Home Mortgage ( Iowa ) are attempting to collect through a fabricated XXXX XXXX application which was DENIED in XX/XX/XXXX, by a fabricated foreclosure filed XX/XX/XXXX. My property at XXXX XXXX XXXX XXXX, XXXX, IL is paid in full and the application for mortgage was for rehabs at XXXX and XXXX XXXX XXXX, not my premises. Documents were switched to my property, using blank, undated, un-initialed, robo-signature and ID theft to open 12-215 unauthorized accounts in my name with out my knowledge or consent, and unjustly enriching bank by retaining the proceeds..Each time I settle on one account, they try to collect on a new account number. Wells Fargo is engaged in a fraud, scam and elaborate con-artistry in which an agent informed me they collect on fabricated defaults to match bogus, fake notes and foreclosures from federally backed insurance for as much as {$200000.00} to $ XXXX for each account, amassing from $ XXXX {$4.00} XXXX. property costing me only {$100000.00}. Wells Fargo targets the most vulnerable of society, XXXX-Americans, XXXX, females, elderly and XXXX - all of which I qualify. I borrowed no money, never had a closing, never received any proceeds.
A " student loan debt relief '' company called Fedloan Help was supposed to help me consolidate my student loans and register me for an income-based repayment program but, illegally tricked me. 

I signed up for these alleged services around XXXX XXXX. They started withdrawing {$91.00} from my Visa Debit account on XXXX XXXX XXXX. Since then they have withdrawn {$1100.00} from my account. 

I found out about this scam when I asked them for my XXXX tax form. I needed them to file my XXXX tax returns. However, they did n't respond. A couple days later I received a letter from XXXX XXXX. It stated that I had not paid anything on my consolidated student loans since XXXX XXXX. I called them and told them that I had been, and that they 've been withdrawing {$91.00} each month since XXXX XXXX when I consolidated with them. This was the moment when I realized that they were XXXX different companies and that I was being scammed by Fedloan Help. 

After I made a bunch of calls and did my research, I found out that Fedloan Help illegally acted on my behalf and contacted XXXX XXXX to consolidate my loans, but never paid them what I thought was my " income-based payment '' of {$91.00} a month. They kept this money and not a penny went to paying back my loans. 

I was convinced that they were legit because they were a non-profit organization who worked with the Department of Education. They also told me that that I qualified for the student loan forgiveness program announced by Obama Administration. They also sent me emails and attachments with the Department of Education 's emblem so I was further convinced it was real. Moreover, they actively emailed and called me to advise me on the consolidation process. They were also totally understanding of my financial hardship and guaranteed that they were going to help me save money. They said that this program was created because of the XXXX dollars of student debt and that they were working with the DOE because lenders like XXXX and XXXX XXXX were scamming me. They also said that if I did n't finish paying my loans in 3 years that my loans would be forgiven. However, I should have known something was wrong when they asked me for my passwords and usernames from my XXXX and XXXX accounts. I was just so convinced that they were going to help me because I was struggling to make end meet and totally stressed out about the high interested rates and monthly payments that I was making that I was totally blinded by it all. I honestly thought they were a blessing. 

I will continue to follow up with them to see why they did this and to see if I can get my money back. So far they have n't responded and when I call them I get prompted to their voicemail system. 

And, their website is still up and running : http : //www.fedloanhelp.org/
I have spoke with someone several times regarding hard inquiries that do not belong to me I recently sent them a letter regarding these inquiries along with proof of my driver 's license they are being very uncooperative about the situation I am Desperately Seeking help with this
We got a construction loan from an out of state lender. It is over a year past construction completion date and the house is unfinished and exposed to elements. We continue to pay the mortgage in its entirety, even though the bank has only release a fraction of the approved funds. The bank and its CEO are all aware of the situation but continue to ignore the situation and have not done anything to protect the house or rectify the situation. We are not allowed to access the borrowed money. We continue to bare the financial burden of paying for a mortgage on a house which is unfinished and is in perpetual worsening condition and is rendered uninhabitable. The bank is the ultimate arbitrator within the mortgage agreement yet has acted irresponsibly and negligently within respect to the house and its condition to the elements and in respect to not mending the mortgage payment monthly to reflect what amount of money has been released to offer some kind of financial relief.
XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX XXXX
this maybe somewhat similar post but is not this has more information, and now will be held in the XXXX XXXX XXXX and a XXXX Pound note against each individual committing crimes against me. Forgery is a Crime. Black night foreclosing run of the mill operation, with publishing and posting fraudsters, forging my name, securitizing before closing deal not even owner, clouded title, fraud lien instrument, FDCPA Violation of Taxes, Stealing SSI and Cusip money, XXXX Accepted under duress as beneficiary with non-disclosure and another time as trustee, cancellation of note securitization, all fraud trying to settle the accounts and can not and attempting through XXXX XXXX XXXX, and Quality Loan Service to foreclose on the debt of the bank owes to the federal reserve, go to jail. ( CONFEDERATIONS in 2018 XXXX XXXX COURT MARTIAL LAW RULER JURISDICTIONS ) 24 hours to respond to the XXXX XXXX XXXX XXXX, SOVEREIGN AUTHORITY and JURISDICTION FOR AMERICANS. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
I make my monthly car payments to Santander Consumer USA weeks early. I get my Social Security Benefit deposit every third Wednesday. On that day, I get a XXXX Postal Money Order for {$220.00} and mail my next month 's car payment due on the XXXX of the following month and send it Certified Mail with return receipt and signature required. 

I got an alert on my XXXX XXXX that my auto loan balance had INCREASED and was PAST DUE after I had already made my XX/XX/XXXX monthly payment of {$220.00} far in advance. Santander Consumer USA received by payment in Certified Mail with a return signature on XX/XX/XXXX. They LOST this payment. 

They then applied someone else 's payment of {$410.00} to my account, then removed the error. I was confused about the {$410.00} figure but believed Santander was playing around with the interest and principal somehow, and as my account showed current, was not too alarmed. 

They then received my XX/XX/XXXX payment, a US Postal money order, on XX/XX/XXXX, Certified mail with return signature. BUT they credited the XX/XX/XXXX payment as my XX/XX/XXXX payment, leaving my account PAST DUE for the XXXX payment, as it was now XX/XX/XXXX. 

They had no record of the XX/XX/XXXX. payment 's receipt on XX/XX/XXXX when I called them. They said I had to " escalate '' the issue to " Account Services, '' faxing them all the copies of receipts I have for the mail sent and signed for, which I did to the cost of {$20.00} at XXXX XXXX ( 12-page fax ) and then mailed them a hard copy to their XXXX PO Box ( {$7.00} ) and also paid for a US Postal Money Order inquiry at the Post Office ( {$5.00}. ) I also had to pay an extra {$220.00} to bring my auto loan account current with Santander Consumer USA by using their online XXXX XXXX fast pay arrangement. 

They could not give me a name in Account Services to talk to, or a phone number to call them directly. They have the money order serial numbers for XX/XX/XXXX ( received there XX/XX/XXXX ) and XX/XX/XXXX ( received there XX/XX/XXXX ), the return signature cards sent back to me with their employee signatures and dates received at their XXXX PO Box , and other necessary copies related to this error. 

They tell me it will be 3-5 business days before any action will be taken, and yet I am out an extra {$220.00} for a payment I had already made, with no explanation of where that US Postal Money order serial numbered payment is or to which account it was applied to.

I have made every payment to Santander Consumer USA ahead of time by usually a week or two weeks, and yet they still found a way to leave my account in a Past Due state and would do nothing to repair that status without me making an extra payment.

I've bought cars my entire life, and have not ever once had this happen,
Never received anything in writing from the collection agency. Continuing to pay the creditor but have no written trail of anything. Not even sure what the bill is for, how much I still owe, or what has been paid. All communication has been over the phone.
This account has been paid in full but is not being reported to the credit bureaus as paid in full. XXXX XXXX has been updated. But this account is not being reported. Why?
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX XXXX XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
On XXXX XXXX 2016 I went to the bank and requested a wire transfer to a company in XXXX ( ( {$5900.00} ). I filled out the wire transfer services instructions. See wells fargo reference number XXXX. I was asked to put the XXXX number and XXXX number of the recipient bank, XXXX in XXXX. I wrote the correct XXXX number, but got confused and did not put the payee 's correct IBAN number. The Wells Fargo staff also did not realize the incorrectness of the XXXX number ( the number I put has too few digits to be a valid IBAN number ). I left the bank but twenty minutes later I realized that I has put the wrong number in the XXXX field. I called the bank -- both the branch and the Wells Fargo wire department. Both told me that it was too late " the wire had gone ''. I asked if I could follow with a correction. They said that Wells Fargo had to wait for the money to be returned by XXXX which should, according to WF, take 3-5 business days. I asked if I could do a recall. WF said that would take 30 days. So I waited a week and no money was returned. I asked WF to run a trace and a correction. A week later now still no word at all and no money. This is unjust. Surely Wells Fargo can contact XXXX and figure out where the money is. I am clearly getting the run-around where nobody wants to take the time or responsibility. I recognize the error that I made in initially giving the wrong XXXX number, but I feel that WF can rectify the situation after two weeks if it wants to expend a little effort. Or did I just lose {$6000.00} because I inserted the wrong number? 
XXXX XXXX
I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, XXXX and Experian a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.
After I bought my house, I remodeled it my self. I then built a big shed on my property ... .. all improvements have been done by me. My mortgage has been sold 3 times since I took it out. Now I have major hail damage, and want to fix it myself. The mortgage company tells me I have to hire a third party to do the repairs. They said the only way this works is I sign the check over to them, and they will determine who gets paid for doing repairs, and how much ... ... this company has a XXXX rating of XXXX and there are many complaints to them not paying bills in a timely fashion when submitted to them. I still hold the insurance check, what are my legal options?
syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$750.00}. i sent this agency XXXX notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account
We recently paid off my wife 's loan with Navient and  XXXX  corporation and we do n't owe anything at this time. Navient has been making in authorized access of our account. Upon investigation we found out the same amount has been charged for the past 1 year but Navient is unable to tell us where the money is going.
In XXXX I put a fraud alert on my credit bureau file with Equifax. As of XXXX/XXXX/XXXX I had the fraud alert removed and noticed 21 unauthorized inquiries were listed on my credit report with Equifax during the time that I had a fraud alert. I disputed the inquiries in XXXX XXXX with Equifax as unauthorized and fraudulent. In response to my dispute Equifax sent me the attached letter saying that the 21 inquiries were a factual record and refused to remove them. I have tried disputing these inquiries with Equifax and the companies that put inquiries on my report. Equifax is telling me to contact the companies and the companies are telling me to contact Equifax. I am getting nothing but the run around. I need these inquiries removed as they are not mine. According to the FCRA I have the right for my credit report to show accurate information. Please help me. Equifax knows that these inquiries are fraudulent because they did not provide how they verified this information as I have requested several times. I am pretty sure that most of these inquiries were part of the Equifax data breach in early XXXX. I sent out letters to each company directly its been over 60 days and I have not received a response. To my knowledge all consumer reports should be true of whats being reported.
I just emailed this after a second attempt to resolve a " late payment issue '' with USBank Credit Card from XXXX. Please contact me if the details are not clear. 

" I just had the worst experience of my life in dealing with a credit card company when I called to fix a misunderstanding on my account resulting in a late payment when I updated my autopay. I took precautions to not miss a payment, and somehow it missed anyway. When I called in the lady -- no, she was n't a lady -- the woman, who possessed low social intelligence, decided to take a condescending and accusing tone with me, blaming me for the problem rather than helping me resolve it. Therefore, I 'll be filing a complaint with REI, the BBB and with the Consumer Financial Protection Bureau as well as submitting erroneous claims disputes to the credit rating agencies. 

This late payment was an error that occurred due to a ridiculous system wait time XXXX MORE THAN 60 days?! ) for auto payment update, XXXX that I will argue is intentional to increase bank revenue streams by charging default interest rates. 

This has already resulted in a credit line decrease, which I want reinstated AND a late payment ding on my credit report, which I want corrected immediately. 

" XXXX bank ''? Ha ; that 's absurd. ''