WillisBack/dataset-financial-user-claim huggingface dataset:
in the process of purchasing a property in XXXX XXXX, Ca on XXXX XXXX XXXX XXXX XXXX the buyer 's son received a wire instructions from someone pretending to be the escrow company with the account # XXXX at XXXX XXXX XXXX with the address XXXX XXXX XXXX, NY XXXX the wire was send from XXXX XXXX Bank in XXXX, Ca, I did call up XXXX XXXX XXXX and asked if they can place a hold on the funds that I sent and they told me that for privacy they could not do anything, the transfer money was XXXX ( XXXX XXXX XXXX dollars ), I have reported this to the police and XXXX XXXX Bank had requested at least XXXX times for the money to be send back to XXXX XXXX 's account at XXXX XXXX Bank so far no response I am attaching the copies of the wire instructions and the wire transfer and confirmation together with XXXX other wire instructions the first XXXX for XXXX is real the other XXXX are created by the person who owns the account at XXXX XXXX XXXX, please help, I just learned that the person who did the scam took the money out, that is what XXXX XXXX Bank just inform us is XXXX XXXX XXXX responsible for it clients? how we as consumers are protected? is this a case for FDIC to cover the loss? 
Please help
I received a bill, in the mail, from PayPal Credit for {$1900.00}. I attempted to contact PayPal, with whom I have an account, directly but they never answered my call. I submitted a copy of the fraudulent bill but have not gotten a response. I called the company, Pay Pall Credit 's number listed on the bill and they wanted personal information to file a fraud complaint. I do n't know what to do. I never opened an account with Paypalcredit.com. What do I do?
On XXXX XXXX 2015 I went to Chase bank at XXXX XXXX XXXX XXXX, mi. I used the Chase ATM XXXX XXXX ). I deposited {$2400.00} into the ATM and an error appeared on the screen. A receipt was printed out stating " The ATM has experienced a problem. To confirm that your deposit was completed properly contact a Chase Representative or call us at XXXX. I called and gave them the information on the receipt and was told I 'd be credited the amount in 12 hours. I called the next day and I was told it should be credited by XXXX. No credit so I called the next morning and was told to wait 24 to 48 hours for the credit. Than Monday XXXX XXXX I called again and was told due to my account not being open that long it required further investigation to credit my account. I was told I should know something by Wednesday. By this time I had already returned to the bank only to see that the machine had been fixed and people were using it despite my problem still not being solved. I called Wednesday XXXX XXXX and was told the investigation found that there was no overage in the atm and that my claim was denied. I then told the rep that I have a receipt stating clearly that I made a deposit and that surveillance will show that I put cash into the ATM and that none of this makes any logical sense. I asked to speak to a manager or supervisor and he replied none are available but he can transfer me to a specialist. After speaking with the specialist who was very rude and carried a condescending tone. He told me I was not protected under the Regulation E act. I requested a manager and he then placed me on hold and said none are available and repeated there 's nothing they can do and do I have any more questions for him. I am very upset and feel unprotected as a consumer. I am a single mother I ca n't afford for my money just to be taking away from me.
I bought my house in XXXX of 2016 and got a Jumbo loan for XXXX XXXX from wells fargo@3.375 % APR interest rate with the plan of selling my old home and paying off large sum of loan. At the time of the loan, I was told that when i sell my old home i can pay off the balance and recast the loan and bring my monthly payment down. I now want to payoff XXXX and bring my loan down to XXXX. I have been trying to contact wells fargo and they are not allowing me to do the recasting.
I have been trying for over a year to pay the compounding interest on my federal student loans from Edfinancial. As I am a current student, I have no principal payments due, but I have been trying to make regular payments on my interest in order to prevent it from compounding to large sums by the time I have to make payments on the principal amount. I made several payments online to Edfinancial - in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and only after the third payment realized that they were not being applied to my interest but rather to the principal amount. I called Edfinancial 's customer service and was told that they have a policy by which interest can not be paid within 120 days of any loan disbursement, meaning that my payments would only be applied to the interest after 120 days had passed following my most recent disbursement. The representative I spoke to told me there was no way around that rule. 
I, however, attend a university that follows a trimester schedule, meaning that we have three terms per academic year, each lasting ten weeks and with no more than six weeks of break between them. This means that there is no point during the academic year in which 120 days can pass between loan disbursements, as I receive a new disbursement at the beginning of each trimester. Thus the first and only time I was able to make any sort of interest payment on my loans was on XX/XX/XXXX, at which point my interest had risen to {$150.00} - precisely what I had been trying to avoid by making early and frequent payments. In the time since I made that payment, my interest has again risen to nearly {$40.00}, and I have no way of making a payment towards it. I again contacted Edfinancial in early XXXX of this year, this time via their customer service email line, expressing my continued frustration at their intentional hindrance of my ability to pay my interest and indicating again that there is no time between the 120-day period in which I could pay any interest. Their customer service failed to contact me back. 
I have also gone to my university 's financial office and spoken to them about this issue, who echoed my sentiment that it is a right of mine to be able to pay my interest and it is unjust of Edfinancial to preclude me from doing so. They, however, were unable to assist and instead encouraged me to pursue these means of resolving this issue.
spoke to XXXX @ Capital One XX/XX/XXXX18, account XXXX. I had paid my XX/XX/XXXX18 balance in full and in advance. asked XXXX about autopay. I signed up for autopay. asked XXXX if she could guarantee that the bank would not try to take a second prepayment on XX/XX/XXXX18. she checked with her supervisor and he agreed that the next bal. due would fall on the 30 day rotation, namely XX/XX/XXXX18. On XX/XX/XXXX18 however the bank tried to take a second prepayment. I put a stop payment refusing the transfer of funds on XX/XX/XXXX18. I tried to reach XXXX and wrote a letter to the bank. No reply. 
I cancelled the CapOne account. It appears CapOne is an online banking service only. Customer can not initiate contact by phone or digitally with customer service reps. to discuss problems like mine. The CapOne business model is skewed against the customer. No customer access to lines of communication regarding previous transactions is bad and prejudicial and arguably fraudulent policy. I protest.
I have disputed the collection account from '' XXXXXXXX XXXX XXXX  '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.
There were six ( 6 ) companies that performed a HARD INQUIRIES on my Credit Report, on XXXX XXXX XXXX, and I did NOT authorize. They are : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I only authorized XXXX XXXX.
I made a Visa Debit card payment of {$80.00} to XXXX. The payment showed up on my account as {$80.00} and then vanished. I new charge of {$100.00} was charged to my account.. I have challenged the business about this difference and the charge remains on my account. My bank maintains the {$100.00} is correct.. What shall I do?
I have been a customer of XXXX for many years, with consistent on-time payments for the duration of my relationship with them. While continuing to make regular monthly payments for my internet and television service, I received a collection notice for {$59.00}. At no point did I receive a billing statement for this amount from XXXX and several attempts to obtain a billing statement from the company after receiving the collection notice ( my first contact about this amount due ) were fruitless. XXXX representatives repeatedly told me I had to find out from the collection agency, while representatives from the collection agency were referring me back to XXXX. To this point ( XXXX XXXX ), I have been unable to get a billing statement outlining what this amount is for and I have not been provided an opportunity to challenge this collection.
For months Messerli & Kramer have been harassing me over the phone demanding I settle debt with a XXXX XXXXXXXX XXXX XXXX card. They were not able to listen or work with me on the debt considering I had fraudulent activity on my Debt card around that time frame I questioned the debt and ignored their advances and told them to leave me alone. Around late XX/XX/2018 I  received a summons from Messerli & Kramer at the late hours of the night from someone who insisted that it was a court matter where I had to appear or file for an answer. I then contacted Messerli & Kramer asking for signed documentation of the agreement that I had with XXXX XXXX XXXX XXXX which was not provided. I asked for signed verification of transactions from the dates in question for transactions I did not recognized which was not provided. I did happen to receive generic documentation with a debt owed and a rundown of the transactions without signed verification including a header stating that Messerli and Kramer were Attourneys at Law NOT debt collectors ( I can prove this as well and will attach ). I provided this same documentation in an answer to the circuit small claims court along with a counterclaim request about the repeated violations of the The Fair Debt Collection Practices Act but my counterclaim was denied as well judgement ruled against me which leads me to file my complaint here.

Attachment of Article 1 : Documentation provided by Messerli and Kramer and Example of XXXX transactions from XX/XX/XXXX that I don't recognize and no signature verification provided Attachment of Article 4 : As you can see from the Header they are representing themselves Attorneys at Law instead of Debt Collectors
On XXXX/XXXX/2014 I wrote to Diversified Consultants requesting proof of the debt that they alledged I owed but never received a response to the information that I requested and they are constantly verifying this information to the credit bureaus.
To CFPB, After many attempts to correct this issue with XXXX XXXX  XXXX XXXX who seems to think that they can continue with this non sense reporting they are doing concerning a debt they say I owe, I DO NOT!!! 
We have repeatedly informed them that the information they are presenting to CFPB and us is inaccurate. They claim they purchased this debt from XXXX XXXX but they have yet to show any proof of such purchase, nor have they shown proof of my signature or a signed contract which by law I have a right to see. 
Further, they are in violation of Metro 2 and according to the FTC, showing copies of a balance or charge DOES NOT constitute the debt belongs to me. Therefore, after these many attempts to resolve this issue peacefully we have no choice but to turn this matter over to our attorneys who sue people like Portfolio every day, they have requested us to make this last effort to have Portfolio remove this non sense from my report, if they choose not to they will face fines including the following. 
We will sue in the amount of {$1000.00} per inquiry for my effort to resolve this matter, and {$1000.00} for this being on my report, attorneys fees and court cost which could total {$25000.00} Simply put, Im, suffering from XXXX have had enough of the games Portfolio is playing.
Gaba Law Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, a debt collection lawyer, filed a law suit in XXXX Superior Court demanding payment of {$2600.00} for a debt that was not owed. 
Action was filed on XXXX XXXX, more than 4 years after I made the final payment to the creditor in XX/XX/XXXX. XXXX 's suit is barred by the CA stat. of limitations. I have a written receipt from the creditor for the entire final amount due. 
XXXX XXXX, the debt collector and his erstwhile creditor never made even a single demand for payment of this fake amount during the entire 4 years, because I didn't owe anything. The XXXX XXXX debt collection law firm specializes in this type of coercive, fraudulent use of lawsuits to collect court-imposed penalties against innocent consumers. 

For example, in series of car repossession deficiency cases, XXXX XXXX filed collection lawsuits, falsely claiming that the amounts were owed for '' credit card '' debts to avoid the deficiency notice required under the CA Auto Sales Finance Act. 

However, in a XXXX federal consumer class action in U.S Dist CT N.D. CA ( XXXX XXXX ) XXXX XXXX XXXX, Case No XXXX, Consumers were awarded {$380000.00}, costs and attorneys fees against him and his client, in addition to the amount awarded to compensate members of the class. 

His method of collection is to file lawsuits against consumers for relatively small amounts, wait for the consumer to default. Then, he moves in to collect attorneys fees based on predictable defaults from courts that are unaware of his method of collection. 

If you are sued by this debt collection law firm in California, Beware!
I have had repeated issues with Wells Fargo Bank acting in ways that make me question their intentions. A series of pressures to force the creation of accounts with fees and consequences where the representatives say one thing but the account documents differ. Over a 1 year period they saddled me with a business account with a fee structure that was essentially impossible to satisfy. Then refunded these fees when I pointed out the entire thing did not match the terms of the agreement or the words of their own representatives. For months their FICO system which claims to report every 30 days would run as much as 90 days without an update. I had to dispute payments at all XXXX ratings agencies to get them to report. Now, suddenly, since around XXXX XXXX, 2016 I am denied access to the online banking system because somehow my account username and password do not meet their requirements. Requirements they neither notified me have changed nor provided reasonable recourse to resolve. I am now a second class customer. I ca n't risk Wells Fargo abusing this opportunity to recreate my accounts. They receive a {$350.00} direct deposit twice a month and I ca n't even check my balance online or use their also broken autopayment system till I agree to these changes where no documentation has been provided at all and, as a member of the banking industry myself, they are obviously not being truthful about this being a compliance issue. I am filing this complaint because I think they are engaged in unethical behavior and given the recent reports of XXXX employees fired for making unauthorized account changes I no longer believe I can trust them. As I owe their institution nothing, I will simply draw out my pay on a regular basis in person until I get a rational expectation in writing why I should change not just my password, but also my username for their online banking.
XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.
Collections agency pulled it out of a hat. Totally bogus. 
Event happened XX/XX/XXXX. XXXX accounting error. Balance ought to be {$0.00}. 
How is it XX/XX/XXXX collections agency can just reopen/ post false information on my credit reports? 
Then, credit agency is all automated. You are unable to speak to a person anywhere in their process? Really? 
Credit agency operates like XXXX with no responsibility, accountability except towards me or whomever is chosen by business? 
I ought to be getting paid for all the time spent trying to correct their incompetence ; for making changes to my account without authorization ; and for adding additional phone with additional services ALL WITHOUT AUTHORIZATION/ PERMISSION TO DO SO. 
NOT LEGAL AT ALL.
On  XXXX / XXXX / XXXX    XXXX   deleated a collection from my report the agency reporting was  XXXX    XXXX   and the creditor was  XXXX   XXXX   XXXX   XXXX  in the amount of {$280.00}! I have asked EQUIFAX to deleate this same creditor from my EQUIFAX report because of  XXXX  deleation! They reported back that it was valid? On  XXXX / XXXX / XXXX  I wrote a letter to EQUIFAX and told them that they must remove this collection from my report as to follow the other  Bureaus  deleation. I also told them that I was filing a complaint against EQUIFAX for delibertly not removing the collection account! I told EQUIFAX that I will wait 30 days to see if the collection account would be removed and if not I will intiate a complaint to Consumer Finance! Well apparently they received my letter and in retaliation reduced my credit score  XXXX  points as the other Bureaus did not reduce my score I apparently got my answer by EQUIFAX reducing my score! I pay all my bills on time and do not know what this collection is I have disputed this collection since  XXXX  when it first appeared on my record in 2 years it will b e 7 y  earss old and by statue i t MUST BE REMOVED! Please help me dispute this with EQUFAX Thank You!
I need to lift my credit freeze with Equifax, XXXX, and XXXX, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

XXXX XXXX XXXX. 

XXXX XXXX
my mortgage company which is meant to be paying my property taxes has not paid XX/XX/XXXX and are late paying 1st installment of XX/XX/XXXX, they are showing an amount of {$5900.00} paid twice a year in the amount of {$2900.00} each payment, they only paid {$710.00} but they showed on my account they were releasing {$2900.00}, im now delinquent with the XX/XX/XXXX payment which is short {$2000.00} as i received bill for {$340.00} which i personally paid. I have been emailing and calling them since XX/XX/XXXX and i get no answer from them each time
I purchased a reloadit money pack so that I could transfer the funds to my XXXX account. I have never used on before, but since it was at my local XXXX I figured it would be easy to do. I purchased it with {$400.00} cash. I have the receipt. I have tried over and over again to access the money through their website but it wont let me sign up, for over a week now. That money was supposed to be used to buy my family XXXX presents. They said it would take 30 business days to refund my money. I think this is a scam. How are they allowed to operate their business like this? Please help me resolve this. I am a hardworking taxpaying family man. Thank you
I have a block on my credit report, I am trying to build my credit and I am sorry to say that I also have family members whom will use my name and information for their own personal gain, which I will all my information and service go to a separate address. As I said before I am trying to build my credit so I can buy a home ... however when I access XXXX XXXX I see all these inquiries on my credit I never authorized. I havent request or authorized any access since 2015 so all inquiries on my report should be gone but I have lots. I thought maybe I had removed the block but when my broker tried to access my credit he told me of the block on all 3 reporting companies ... so how was my records accessed so many times. I shouldnt have any new creditors after 2015 as well. So any and all information should be removed,
I previously sent in a loss mitigation application with no response from Caliber. Now I have been served with a Sheriff 's notice and need a loan modification. The loan modification submission was not responded to. Caliber has now taken a position that they do not have to review me for a loan modification because of the proximity to the sheriff sale. I disagree with this premise because it is not in good faith. I do not have a large arrearage with Caliber and I have money to make a lump sum payment. I have been making payments to Caliber up until the middle of last year. I was never sent a loss mitigation package nor did I ever receive a Notice of Intent to foreclose.
On three different occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I was denied housing because of inaccurate information provided by Corelogic in my background/rental history report. There is a Judgment in the amount of {$2500.00} on my rental history. I have made payments to XXXX XXXX totaling {$1500.00} and my balance does not reflect that so potential landlords are holding this against me and I am unable to rent an apartment. Please help me get this corrected before I am homeless.
Reference complaint XXXX. 

I do not accept Experian 's statement of " Please understand that not every consumer is guaranteed online access to their credit report '' when I specifically requested to be informed of what issue is preventing me from obtaining my reports online. It is unacceptable that they will not provide an answer nor change their system to prevent me from obtaining my report, which now being sent via physical mail is exposing my personal information to loss or theft. 

If this issue is not resolved, I will annually be filing CFPB complaints against Experian. I may also explore legal options to force Experian to devulge the answer I am requesting.
As of XX/XX/2013, the amount is XXXX. I was a student living in Maryland.
CitCards has been charging me a penalty/default APR for over 2 years, yet the pricing information for account says the rate only applies for 6 months. I have brought this to their attention, but they have not resolved the situation, and have refused to do so. 

A copy of my email exchanges with them, as well as their Pricing Information is attached. See the section titled " Penalty APR and When it Applies '' and the subtopic titled " How Long Will the Penalty APR Apply? ''
Complaint is linked to XXXX other complaints, uploaded documents will provide better description of actual complaint facts, I have filed complaint with H & HS Office of Civil Rights for violations of HIPPA. EQUIFAX CONTINUES TO PUBLISH ILEAGALLY OBTAINED DOCUMENTS & DISPLAYS THEM IN VIOLATION OF HIPPA GUIDELINES.
I requested to have a verification of a tax lien filed XXXX, Equifax keeps giving me this as verified XXXX. I need this to be verified as of now XXXX. I do not want old information, I need an updated verification. If they can not verify it as of XXXX then this needs to be removed or it is a violation.
I submitted an application for Loan forgiveness through Federal Student aid loan or loan reduction due to a school that has been known to been falsely advertising themselves, in my case   XXXX   XXXX  ,   XXXX   XXXX  . I submitted complaint to both sides more than once with a follow up status if my application has been accepted or not, this has been since  XXXX .2016, I have all proof to show, I call numbers and send emails yet no response.
I have problem to submit mortgage payment since   XXXX   XXXX     until now   XXXX   XXXX    . The bank BPPR :  Banco Popular of  PR never contact me. I received a letter from a legal firm on   XXXX   XXXX   XXXX     indicating that they represent the bank and will begin foreclosure proces s one mon th of the letter receiving. This action doesnt reflect a good will attitude from the bank.