WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a Western Union Financial Services Money order from XXXX, their agent, on XXXX XXXX XXXX XXXX in XXXX XXXX XXXX last year. I never used it or fllled it out. This XXXX I wrote my name in the pay to line, endorsed it on the back, and deposited it to my bank, XXXX. Western Union charged back the entire amount, {$420.00}, without explanation. I subsequently contacted Western Union and sent them copies of both sides of the money order they returned to my bank, with the debit to my account, and my purchase receipt. They claimed the M.O. was expired because it was over a year old. THERE IS NO STATEMENT ON THE M.O. THAT IT IS ONLY VALID FOR ONE YEAR. Instead the terms on the back say if not cashed in one year, they will start charging {$1.00} per month. 
So far, Western Union insists I either have to pay them {$30.00} to " trace '' the M.O, which I have no need to do ( and get a notarized statement ) or apply for a " refund '' for my money which they have, for a {$15.00} fee. THIS M.O. WAS NOT LOST OR STOLEN. I DO NOT NEED A REFUND! They need to credit my bank account for the illegal and illicit chargeback. 
attached is a pdf with one of my letters to them, including copies of the money order, receipt, and my bank record, which they received from me.
I had an old cable bill be sent to Credit Protection Associates for collections. I was well aware of the debt and had planned on paying what I could every month. On XX/XX/XXXX, I sent an email to CPA,  requesting that all phone calls be stopped. On XX/XX/XXXX, I received the following response from CPA : XXXX XXXX In order to locate your account and update it to stop all phone calls, please provide the name of the original creditor, the amount owed, your address and the last 4 digits of your ssn. 



Sincerely, CPA I responded with the information they requested, but the phone calls did not stop. I followed up my email twice, but did not receive any further communication regarding my request from CPA. A few weeks later, I set up a payment plan, the calls continued for a few more days and finally stopped. I had to cancel my payment arrangement due to financial hardship, and I immediately started to get calls. I made a {$25.00} payment on XX/XX/XXXX ( I believe that's the correct date ). The calls continued and continued. On XX/XX/XXXX I sent a certified Cease and Desist letter, requesting once again that all phone calls be stopped and they received the letter on XX/XX/XXXX @ XXXX. Since the date of their receipt, I have received calls from CPA on : XX/XX/XXXX @ XXXX & XX/XX/XXXX @ XXXX Here is the tracking history of my letter : XX/XX/XXXX, XXXX XXXX Delivered, To Mail Room XXXX, XXXX XXXX Your item has been delivered to the mail room at XXXX XXXX on XX/XX/XXXX in XXXX, XXXX XXXX . 
XX/XX/XXXX, XXXX XXXX Departed USPS Regional Facility XXXX XXXX   DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX In Transit to Next Facility XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX XXXX   DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Departed Post Office XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX USPS in possession of item XXXX, XXXX   XXXX I have also attached the email I sent requesting contact be stopped to show that they acknowledged my request and did nothing about it.
Filed a dispute with Experian, about an item on my credit. From XXXX, result on my credit report indicated that it was in chapter XXXX bankruptcy.That is in correct never filed bankruptcy. This item should be removed from my credit all together medicredit did not inform me of missed payment in XX/XX/XXXX, however they took payment in XX/XX/XXXX and never reported me until I called to make a payment.
In a desperate need to obtain a loan to pay some bills, on XXXX XXXX, 2017 I obtain a loan from Money Lion for the amount of {$3100.00} with an interest rate of 194 % which I feel is too much to be charged. I have tried to get them to refinance and lower the interest rate but they refuse too.
In XX/XX/XXXX I received an alarming call from Portfolio Recovery Associates ( XXXX ) telling me that they were about to take me to court over my XXXX account -- which due to financial problems and XXXX -- had fallen into collection. PRA had bought the debt. Never having been in collection before, I panicked before asking for proof of their account ownership, and set up a payment of {$100.00} per month and a settlement of {$600.00} which had been originally a bill of {$800.00} owed to XXXX. I paid them from XX/XX/XXXX to XX/XX/XXXX. I was told at the time that I would be sent a letter of pay off - which I have never received. I am now on better financial footing and cleaning up my credit - I called PRA to get the letter and now they say they have no record of my account or payments. I told them I have the bank statement. They said that perhaps they had credited the payments to another account - but what worries me is that they have no record of my account at all. They told me to call XXXX to make sure they had the debt. So I called XXXX and they told me that they sold the debt - but could n't tell me to whom, or my old account # but they could call the buyer and they would contact me. Well, it 's been XXXX months and no one has called. So, I called PRA again this week they are still insisting that they do n't have my information, but to send them the bank statement - which I have done as of this Monday. the bottom line is that I can not figure this out, its still on my credit as open - and I am out {$600.00}. Please help me!.
This is a complaint from XXXX XXXX against Diversified Consultants for Diversifieds failure to cease reporting on a dept that has been paid. On XX/XX/XXXX, Consumer paid the original creditor in full ( see attached statement ). On XX/XX/XXXX, consumer ( through legal counsel ) disputed the open account with Diversified on her credit reports. 

It has been 30 days since this dispute, and we have received no response, and the account is still being reported on Consumer 's credit report. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged, and continuing to report an account that has been paid by the Consumer negatively impacts her credit score. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Synchrony Bank is decreasing my credit limits and closing my accounts because of errors on a credit report from XXXX about a collection agency from XXXX. I contacted XXXX and the error was removed from the credit report. Synchrony Bank has impacted by credit score incredibily. However, Synchrony Bank continues to use the old credit report. Everytime, I file a complaint with the XXXX my account is closed or credit limit decreased from Synchrony Bank afterwards.
XXXX sold my loan to Nationstar Mortgage recently. I received a letter ( paper ) with the new, pertinent information ( e.g. new loan number, instructions for setting up an online account etc ). 

When I went to the directed URL online to setup the online account - I was, very surprisingly, redirected to a NEW website called XXXX XXXX. On this new website there is NO mention of ANY affiliation to Nationstar Mortgage. 

Having worked in computer security for over 20 years - I was very suspicious of this website - again, as there was no mention of the affiliation to Nationstar ( a best practice in these situations ). 

I proceeded to setup the account - entering the new Loan number and last-4 SSN. It then took me to a page requesting my COMPLETE SSN. Again - this is HIGHLY suspicious behavior and a favorite trick of scammers/phising/social engineering hackers. 

Not being comfortable at all with providing this highly sensitive information - I called the number listed in the letter - and explained my concerns. They told me the only way to get an account setup was online - and I MUST enter my SSN. 

I find the handling of this entire process - from notification - to website redirection w/ no explanation to the requirement for online submission of my SSN - to be unacceptible - and more importantly promoting a VERY bad practice of training users to randomly enter their SSN into un-explained web sites. 

I am requested that this process/company be reviewed and guidance given to them to allow alternative forms of account setup and verificaiton ( namely Phone )
My son has multiple student loads serviced by Navient , Inc, one of which I have cosigned. I have been paying on this loan. Navient consistently applies the payment to a loan that I have not cosigned on, despite the correct loan number always being include with or payment. My wife and I call and try to get the payments applied to the correct loan which always takes a lot of time and effort. Sometime they will tell us the payment was corrected when it is not. This happens so consistently it can not be there incompetence, but must be there policy. We are now being threatened with collections.
Company inaccuratley reporting on credit report. Refuses to update payments. Cousomer Service veey rude states will not discuss actions taken to fix. States special rules with my account and will only comnunicate via mail for my account. Advised to send email only and emails were exchanged. 
Company is retaliating for having filed a complaint. 

Information from XXXX XXXX accurate and is updated in minutes of any action on my report. Company continues to yo yo around with my credit amount originatikn amount and now my payments.
I started a loan with with Ethos Lending ( XXXX XXXX, Ca ) on XX/XX/18 and had given them all of the information they requested and my credit scores were excellent that they used from a credit report done XXXX. Then two days before my signing date on XX/XX/XXXX, ( on XX/XX/XXXX ) they told me I would be charged a 1.099 % fee because my credit scores had dropped ( three credit agencies ) from XXXX to XXXX. I told them it was a mistake and when I called the credit agencies they told me it was because of a XXXX $ XXXX XXXXXXXX XXXX bill that was unpaid. So I called XXXX XXXXXXXX XXXX and found out it was not my primary bill, but a secondary bill from another property and they had sent it to the wrong address, not my current address they send my other bills. XXXX XXXXXXXX sent a letter out ( which they never do ) to all three credit agencies to negate this late report. Within 15 days my credit scores all rose 80 points to back over 740.  Well I signed the paperwork in the mean time and when I went back to Ethos they said they wouldn't rebate me the fees.. 
First I think when they first ran my report to see the excellent scores and approved my loan they shouldn't be able to change that and charge me {$4900.00} two days before I sign the paperwork, just to hit me up with another charge. 
And secondly when I show they the low ratings were wrong ( shown by the letter from XXXX saying to delete this report to all three credit agencies ) and then two weeks later all three scores rose to their normally high scores they should refund me the {$4900.00} charge because the ratings were false reports ... .. 
Ethos said they would explore this but just said well tough..
Innovis credit bureau is listing 2 XXXX XXXX accounts from XXXX XXXX on my Innovis credit report. 

XXXX XXXX  transferred my original XXXX XXXX account opened XX/XX/XXXX, to another office, without my consent. After the transfer, XXXX opened a new XXXX XXXX account, without my consent, in XXXX of XXXX, and closed the original XXXX XXXX account # XXXX, without my consent. 

I should only have the original # XXXX XXXX XXXX account opened on XX/XX/XXXX showing on my Innovis credit report. The 2nd account is considered an unauthorized duplicate account, under the terms of the Fair Credit Reporting Act, passed by Congress, and must be deleted from my Innovis credit report. The FCRA is very strict in its rules on reporting accounts that were transferred. There can be no duplicate accounts listed on a consumer 's credit file, if the transfer was done without the consumer 's express written consent. In this case, there was no express written authorization submitted by me, to ever have my account transferred to another office.
I HAVE DISPUTED THE INQUIRIES BELOW SEVERAL TIMES AND I KEEP GETTING REPLIES BACK THAT THESE ITEMS HAVE BEEN VERIFIED AS ACCURATE. THESE ITEMS ARE KEEPING MY CREDIT SCORES LOW WHICH IN TURN IS AFFECTING MY OPPORTUNITY TO GET DECENT RATES ON A PENDING HOME PURCHASE. 

1. XXXX XXXX XXXX XX/XX/XXXX UNATHORIZED INQUIRY 2. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 3.  XXXX XXXX - UNAUTHORIZED INQUIRY 4. XXXX  - XX/XX/XXXX - UNAUTHORIZED INQUIRY 5. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 6.  XXXX XXXX - XX/XX/XXXX -, UNAUTHORIZED INQUIRY 7. EXPERIAN XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 8. XXXX XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 9. EXPERIAN XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 10. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 11. XXXX  XXXX XX/XX/XXXX UNAUTHORIZED INQUIRY
This complaint involves a  XXXX   XXXX  card with  XXXX    XXXX   or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I h ave allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and  XXXX  cards in the past and successfully paid them off.
I made a purchase via XXXX from seller XXXX XXXX, and the seller contacted me and told me the package was removed from the locker and told me they would issue a refund. That refund appeared on my account after I filed a fraud dispute for never receiving the package. Last week USAA, the bank knowing this, still went to XXXX and forced a payment from them, stole the payment, then told me they will reverse the credit because they determined it was an authorized charge. So why did they go back to XXXX and steal the money like it was not authorized and ignore the refund from the seller? They stole money and reversed my credit and told me that I have to pay it back on XX/XX/XXXX. Please make the bank give the money back to XXXX because that was fraudulent if they decided it was not fraud.
I requested credit limit increase on XX/XX/XXXX for my existing XXXX Citi Credit Card. 

On Citibank website there was a disclaimer, " It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' I am including the screen print of their website for the reference. 

On XX/XX/XXXX, I received an alert from XXXX that, Citibank ran a credit inquiry on my credit report. I never authorize Citibank to run any credit inquiry, but it is reported on my credit report. Attaching that screen shot of XXXX page for reference. 

I dispute this inquiry with XXXX to remove unauthorized credit inquiry ( Dispute confirmation number : XXXX ) and they said, they can not do anything and asked me to contact Citibank directly. 

I contacted Citibank on XX/XX/XXXX and spoke with XXXX in customer service, She gave a reference number as XXXX. She said, she can escalate, but she wanted me to write a letter again to the bank. 

This is totally an unauthorized inquiry. Why should a common man like me need to chase behind the bank, when bank has done something illegal? 

There may be more people undergoing the similar issue without even knowing companies like Citibank run credit inquiry on their report without they authorizing. Common people suffer to fix their credit score for buying a house or getting a loan for their life. And here we are Victims due to business take advantage of common man. 

As per Fair Credit Reporting Act, When a creditor runs a credit check on an applicant without receiving authorization, they violated the Fair Credit Reporting Act. Congress enacted the FCRA in the XX/XX/XXXX to protect consumers from discrimination based on information in their credit profile. Each violation of the FCRA carries a penalty. 

I think these kind of misuse should be penalized and I would request CFPB to protect public.
On XX/XX/2018, I attempted to send {$70.00} to someone using XXXX. The transaction failed on the app. under my activity tab, it does not show that the transfer was successful. Additionally, I never received an email stating that the transaction processed. The intended recipient never received the funds. However the {$70.00} was withdrawn from my bank account. On XX/XX/2018 I called XXXX customer service. They told me that they can see that the transaction failed and they are not showing that the money was withdrawn. They told me that I would have to contact my bank. After getting off of the phone with the XXXX customer service person, I called XXXX XXXX bank to file a dispute claim. XXXX XXXX issued a {$70.00} provisional refund and started the claim. On XXXX XXXX, XXXX XXXX denied the claim and took back the {$70.00} refund. I called both XXXX XXXX and XXXX multiple times on the XXXX XXXX to resolve the issue. Both companies keep telling me that there is nothing that they can do and that I need to contact the other company. I ended up sending the {$70.00} to the intended recipient using XXXX XXXX instead. I have not received my initial {$70.00} back.
There are fraud inquiries, fraud account and account with fraud charges reporting late payments on my credit report and I have tried to work this out with Equifax for the past 2 years now and have provided them with a police report and all the other information they requested and per The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) inaccurate information is reporting on my credit report and Equifax has not taken action to correct those issues. 









Dispute Confirmation # : XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX XXXX/XXXX This is a fraudulent account, account opened by someone who stole my identity.
Account XXXX XXXX XXXX/XXXX
I applied for a loan modification and I was denied. The reason given for the denial is that the bank could not lower the payments even after a thorough review of my application and new financial information. 

The reason for the default is due to medical issues as I injured my XXXX XXXX and had undergone a XXXX and as such I was unable to work for almost one year. 

At this point I am able and willing to make the payments even if they are higher as there is sufficient income and as such I do not believe that my application for a modification should have been denied.
Admin Recovery LLC repeated phone calls to me trying to get a message to my sister who owes debt. They called me on 3 separate occasions. The last time they called me was from phone number XXXX and only 10 minutes after they called me from their other phone number. 

They kept calling even after I told them the first time that I do n't keep in contact with the debtor. I would have told them to stop calling me and that I do n't keep in contact with the debtor the second time ( less than a month after their fist call ), but they hung up on me mid sentence. 10 minutes later they called me for the 3rd time. So I decided to file a complaint. 

They are calling family members multiple times over a debt of a relative.
NAVIENT IS THE SERVICER OF MY LOAN, I HAVE BEEN MAKING PAYMENTS FOR YEARS AND MY BALANCE HAS NOT MOVED. I SENT THEM A LETTER ASKING FOR STATEMENT SHOWING PAYMENT HISTORY NO ANSWER. I SENT THEM A LETTER ASKING THEM TO PROVE THEY OWNED THE LOAN AND THE PURCHASE OF THE LOAN FOR DEPT OF ED, NO ANSWER. THEY ARE IN VOLITATION OF FDCPA BY NOT PUTTING MY ACCOUNT IN DISPUTE ON MY CREDIT REPORT AND NOT ANSWERING MY QUESTIONS ON THE DEBT, THEY CONTINUE TO BILL ME AND IGNORE MY REQUEST FOR VALIDATION.
They called frequently and at odd hours including weekends. They were rude and wanted information from me without telling me who they were. Asking for my private information. I was laughed at hung up on and talked down to for wanting to know who was calling me and why. I was cussed at also by them. They would n't help me with anything I have never received a paper letter from them saying I have a debt with them. They called from multiple numbers, if I answered I got a man who you could n't understand who then forwarded you to the company who asked why you were calling them. They are completely unprofessional and crazy. They think people do n't know the law and what they are allowed to do and not do. After I finally got to then and not hung up on I started quoting the law to which the manager laughed hysterically and told me to be quiet little gir ( I am not a little girl )
XXXX refuses to take my identity theft report which indicates that the Chase account is a result of Identity theft. XXXX keeps claiming that it is not identity theft when there are multiple reports and also there is an FTC report which they keep on turning a blind on eye too. I already told XXXX and Chase that I refused to pay for something that is not my fault nor is it something I caused. I believe XXXX and Chase have a secret agreement because XXXX is the only one who is foolish enough to keep this game going on and they are messing with my life personally because they are making it hard for me to get credit in my name that is actually mine. XXXX needs to Remove the Chase account from my Credit Report.