WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, my husband XXXX XXXX and I closed his accounts with HSBC. Despite that, we received a statement in XX/XX/XXXX for an amount we own as we accidently charged the HSBC card for a transaction we made. We paid the balance, called and went to a branch ( XXXX, NYC ) to confirm the accounts are not all closed. The banker and the call center representative confirmed all accounts are now closed. 
A YEAR later, XX/XX/XXXX, we received a statement in the mail informing us the card is closed. However, at the same week we received a later showing we have an amount due on the card. When we called the call center we were surprised to find that not only we have an amount due but that the bank has moved our account to COLLECTIONS! Which obviously impacts our credit score! we did NOT receive any notification of this amount  previously or were aware of such charge ( as we were told the card was closed ). 
We called the bank multiple times, each time the representative told us to call a different department ( from general to recovery to collections to disputes ). This is absolutely outrageous! Firstly because we did NOT use the card! Secondly, because even if we did, as the bank confirm the card was closed, the transaction should have been rejected! and THIRDLY, if a charge was made, we should have been informed BEFORE the case went to COLLECTIONS! HSBC has been harassing my husband who is a doctor and a resident at a hospital with a very limited time! they DAMAGED his credit score!! and they have accepted a charge on a CLOSED account!
On XXXX/XXXX/XXXX, I tried to transfer my American Express Membership Points to All XXXX XXXX, but the transfer was not successful due to the points being frozen. 

I called American Express Membership Points team immediately to resolve the issue, the representative told me there is noting wrong with my account and tried to transfer points on his end, but failed due to the same error message. I was transferred to fraud department,  and transfer back to Membership Points team ten minutes later, this time I was told that my Membership Points account is frozen, and the reason is American Express froze my account to investigate a few thousands point I earned recently, and there is nothing they can do. I asked to speak with a supervisor, but was told the supervisor was not available. 

American Express did NOT inform me when the froze my account, and when I called, American Express failed to provide estimate time the investigation will take. I found this completely unacceptable. 

I demand American Express unfreeze my account immediately, legal action will be taken if American Express fail to comply.
My son lives over an hour away XXXX. He was out of money and needed to buy XXXX. I read on line that you could transfer money "In 10 Min." from your credit card. The local Walmart is 20 min. away but I thought to save time I could do it on line through MoneyGram. I filled out the info and submitted it. It said processing and I even rec'd a email saying it was processing. I called my son and he went to Wal-Mart to wait on it. It never processed after a hour Wal-Mart closed and he had to go until the next day without XXXX. Luckily with no major complications. I was never told it was denied... I was only sending XXXX and had 30 times that in my account. I believe they are using false advertising and even the Wal-Mart employee said they had a lot of trouble as well..They should have immediately denied it so I could have made other arrangements. I believe they could be putting the publics well being in jepordy by not providing TRUE advertising and Timely response to their transactions and request for info. After over 2 months they responded to my complaint... Here is what they said:
 PLEASE DO NOT REPLY TO THIS E-MAIL!


Dear MoneyGram Customer:

Thank you for contacting MoneyGram.  We appreciate the opportunity to address any questions or concerns you may have.
Unfortunately, the transaction request you submitted has not been approved.  For security purposes, MoneyGram Online is unable to complete your request.  Your funding source has not been charged for this attempt.
We apologize for the inconvenience.

Sincerely,
MoneyGram  
Electronic Operations Department   

Original message: My son needed money to buy his XXXX last night at XXXX as he lives hour away, Walmart was 10 miles from his home. I went on line to Walmart to see if I could send money from my account to him. Your website said send money in 10 minutes from a debit or credit card. I filled out the info and sent it. I rec'd a transaction notice via email saying it was processing. He was at the store and XXXX and waiting. At XXXX I am still trying to see what is happening. I called this morning and talked to your rep who started asking all kinds of personal questions. She said I would have to go to the store. I am very dissatisfied with A. Your service. B. Your lack of Communications that their need to be more information C. False advertising ( transfer money in 10 min.) This could have caused a serious problem for my son not being able to get XXXX.  I will figure out who in the goverment that regulates this and file a complaint.
PNC mortgage is reporting XX/XX/XXXX payment as 30 days late on my XXXX   and XXXX  credit reports. Also the company omitted reporting my XX/XX/XXXX payment. Around XXXX or XXXX of XXXX, I began disputing the inaccuracy of this to all three credit bureaus. The company did not respond to XXXX  and as a result, the account was removed from my XXXX credit report. The company responded to the other two agencies by deleting information for past payment history for years prior to XXXX. This only resulting in the company giving a " response '' to the credit bureau, but not making the accurate corrections. I kept disputing every 30 days, but nothing changed. The company continued to respond to say the payment history was correct. When I called PNC mortgage directly, I was told my account was showing current and paid as agreed for XX/XX/XXXX. I was told disputes are only handled in writing and had to be mailed to XXXX XXXX XXXX XXXX, OH XXXX. In XX/XX/XXXX, I mailed three letters ( one to XXXX XXXX XXXXXXXX and the others to XXXX XXXX XXXXXXXX to insure the company received them ) with copies of the supporting information. A written letter stating my dispute, a copy of the payment funds and date drafted from my bank account, a copy of my account from their website and a copy of my credit reports showing the inaccuracy of the XX/XX/XXXX payment, which shows as 30 days late for XXXX  and XXXX. I received a letter from PNC Bank dated XX/XX/XXXX which stated the accuracy of my XXXX payments and that they can not remove any negative information. The letter stated the payment for XX/XX/XXXX was reported as current/ paid as agreed. On XX/XX/XXXX PNC bank continued to report my XX/XX/XXXX payment as 30 days late. This was reported to XXXX and XXXX. I have emailed them, but have not gotten a response. I've tried calling again and still have been directed to send another letter to the address given. This issue has been unresolved for almost an entire year. It seems that they are purposely reporting this account as 30 days late.
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT ONLINE COLLECTIONS Account # XXXX Contact Information : XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX   Account # XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT
I have sold about {$27000.00} of crypto currency using Coinbase. 
The sale of the currency itself was fine, and I have been able to transfer it all into, which is sitting in my Coinbase wallet. 

However, I am unable to withdraw it from there. In order to withdraw money, you are required to verify a bank account with then, by using the account to make a deposit into your Coinbase Wallet ( in ). 

They state that this process will take 1-2 business days. 

On XXXX XXXX, 2018, I submitted a deposit from my bank account of XXXX, which reached my wallet within the day. Coinbase immediately credited my wallet with this, but my bank account was still marked as unverified, so I was still unable to make a withdrawal.

This was still the case on XX/XX/XXXX, so I submitted a support request. 

I received what I assume to be an automated response on XX/XX/XXXX. I assume it was automated because it contained instructions for making a deposit, something I had already done successfully. I responded immediately and pointed out that this was not my issue, and I had made a successful deposit already, but my accojnt was still not marked as verified. 

On XX/XX/XXXX I received another response. This one stated that my case had been escalated to a specialist, and contained additional advice for making deposits ( that I did not need, having made a deposit successfully ). It also recommended I check that my bank account was listed as a payment method, which it was, and I have checked every detail to ensure it is correct, which it is. 

I responded on the day, pointing out that everything was in order from my end, and I have sent several follow-up emails since. However, Coinbase have not yet responded to any of them. 

I would like to verify my bank account so that I can withdraw the 22,000 or so that is sitting in it. Every day they hold on to it is an additional risk, as exchanges are hacked and targeted all the time. I just want my money.
On XX/XX/2018 a 3rd party account called transworld was reported on my credit profile to the credit bearues. However the original account related to this contract has had been cancelled, and I am not liable for any and all 3rd party charges regarding this account.The account is unverifiable and I have not received the proper documentation that holds me accountable.The orginal creditor has already been paid for their losses through insurance and taxation
XXXX XXXX Ditech Loan # XXXX On XXXX XXXX, I cancelled my automatic direct debit of {$700.00} with Ditech, as I finally had a refinance with another company that was about to fund. My direct debit was scheduled for the XXXX. On the XXXX, the same day I funded, Ditech still pulled the money out of my account. I called customer service and they said I had to notify them 8 days before the XXXX in order to avoid the withdrawal? My refinance wasnt even approved 8 days prior to the XXXX. I called again on XXXX XXXX and spoke to a supervisor who said my money was on the way. I then received an escrow shortage check in the amount of {$30.00}. How is this possible if I dont even escrow with Ditech? It is now XXXX XXXX, and I still dont have my money. My new mortgage payment was due on the XXXX. Im not made of money. I spoke to customer service yesterday and they now say I have to wait 30 days. So to get this straight. Their process is to refund monies that are no longer theirs, 30 days after theyve taken the money? Why? Why does it take a mortgage lender 30 days to refund money that is no longer theirs? Most financial entities are 7-10 days-pretty standard. Ditechs abusive policies jeopardize the livelihood of those that are trying to do the right things for themselves. Now, Im tarnished with my new lender. I want this complaint with Ditech addressed and a detailed response to my situation, vs. a canned approach from them.
I sent a QWR to Seterus XXXX/XXXX/2017. They have not responded at all.
When I refused to sign anti-steering form he reluctantly agreed to send me a comparison that I requested - with lender credits. But the interest rate ( not talking about the APR which I expected to be higher ) went up .25 %. The lender skirted the question when I put it to his attention that the rate with .41 points was lower on that day - and it feels to me like it is a penalty for me exercising my rights. 

Lender stated ( in writing ) that he charges no processing fees. The he sent me a CD with a {$520.00} processing fee. He explained - in writing - that is is going to their 3rd party processor. But that processor is in-house! How can that be considered a 3rd party? 

In determining my debt they are using second party sources and ignoring first party sources. There is incorrect student loan debt on their source and they refuse to use the original debt processor - XXXX, preferring to use incorrect secondary reporting. 

While paying off minimal credit debt ( around $ 2K total ) the won't take a CRA or printout as proof but want written letters from the banks after giving me under 10 days notice to make the payments - essentially creating an impossibility - as they want something not within my control. BTW, I paid the debts immediately. I carry no other debt besides the student loans and a mortgage and have a FICO over 800. They insist that I pay down substantial student loans that are overstated - which they are or should be aware of. 

Thanks for your help and guidance.
this is relating to a compliant # XXXX XXXX XXXX XXXX 
I printed off of the records that were sent to this web site.. I had not received many of these debt collection notices and trying to go over these and figure out why I then notice many of these notices did not have my correct address.. even XX/XX/XXXX you had my current address of XXXX XXXX XXXX... but XX/XX/XXXX and XX/XX/XXXX both letters were sent to the wrong address some where in XXXX XXXX and then an address in XXXX XXXX .... so i never received these letters ... as i have stated in my last letter XX/XX/XXXX i did try my best to pay this bill at the XXXX US bank and told that the books were closed then i never heard anything else till XX/XX/XXXX. ;. without any notice XXXX were taking out of my account with no court order, notice or anyway to try and make future payments the letter about making payments for 6 months i never received that notice.. but it was at the right address i do not know why i had not received that notice.. ( was that letter really ever sent i would like to see the post mark on the envelope if you do still have it ). I am asking you to please keep the money that was owed to make up for the out standing checks. but would you please consider omitting the bank fees so I can at least have a small amt of money to pay day care your reconsideration would be very much appreciated If this matter is not resolved I am prepared to take this dispute further for the sake of my rights and for my XXXX son .... I feel like my rights have been invaded that some one can take the money from my private account that the goverment gave me to further my education and help with my expense while XXXX I dont feel this was done in a rightful or legal matter XXXX XXXX XXXX
Citicards called and wished to schedule a payment which i hold two cards with citibank. 
I specifically told the agent schedule both payments for Friday. They agent said yes but instead one charge was made for the same day and one setup for Friday. This caused a insufficient fee to my bank account and i called back to inform them to refund they money plus the insufficient feed which caused me financial harm. They stated they would not refund the overdraft charge.
Chase bank are making it increasingly difficult to ascertain the fees and charges they are racking up against my account. Recently, we had a couple of small payments with insufficient funds to cover. Usually, Chase will immediately show a {$34.00} fee for each item. However, they have taken the route of now HIDING those fees and BUNDLING them into XXXX charge as a part of the end of month statement. This is carefully planned by Chase, as it makes the fees very difficult to question or discuss. Often a substantial period of time has passed, so Chase can assume the client has forgotten about the incident, and therefore will not question the fees when charged at a later date. See attached letter.
last year XXXX I received a call from XXXX debt collector stating I owed money and a letter, I called the number on the letter and told the creditor that is was dismissed in the bankruptcy XXXX i had filed in XXXX. I did not hear back from them and now they have put the debt on my credit report this last week and it has been 10 years since the account went into collections and since it was dismissed in my bankruptcy. 
I don't know what else to do to get them to stop coming after me for this debt that was resolved.
XXXX of Virginia, operating by and through JPMorgan Chase Bank, continues to send threatening letters and e-mails alleging debts that I do not owe.
This company has been harassing me. They call anywhere between 3-5 times a day and make threats of legal action and has used profane language.
Called me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!
Based on the 143 million records were stolen from Equifax, I was told that my personal information may have been impacted by this incident.
XX/XX/XXXX XXXX XXXX XXXX c/o XXXX XXXX ( P.O.A ) XXXX XXXX XXXX XXXX, Ga XXXX The purpose of this letter is to file a complaint against Ditech LLC ( servicer ) & XXXX XXXX ( investor ). 
Around XXXX or XX/XX/XXXX, XXXX XXXX had contacted Ditech ( servicer ) for some assistance on the mortgage payments. XXXX XXXX advised the representative the mortgage payments are almost amount received for her SSI. Thus, XXXX XXXX is experiencing financial hardship due increase of expenses around the house. The representative confirmed that Ditech can aid with this request, but XXXX XXXX is required answer a few questions to see if qualified to receive some forms from XXXX XXXX to aid with her request of a manageable mortgage payment. 
I, XXXX XXXX, am XXXX XXXX XXXX, and I assisted my mother with answering those questions & filling out the forms ; however, XXXX XXXX or I was not advised the main requirement required to be approve for assistance from Ditech & XXXX XXXX. XXXX XXXX & I was never advised by all the representatives & supervisors from Ditech, letters from Ditech, missing documents from Ditech & XXXX w/ XXXX XXXX XXXX Ditchs response from the file compliant, XXXX 15 days investigating against Ditech , emails from XXXX , and phone calls with XXXX that we were advised that XXXX XXXX mortgage payments must be 60 to 90 days delinquent before providing any assistance. 

Therefore, our thought process is why send the forms for assistance twice, why tell us what documents were missing, why send all the required documents & forms for assistance, and why do a 15 days investigation if Ditech & XXXX w/ XXXX XXXX both knew XXXX XXXX mortgage payments were not delinquent & the account would not be approved because of this reason. 
When XXXX XXXX called Ditech onXX/XX/XXXX to see why, and a representative stated it was XXXX XXXX  who made the decision & that maybe my mother should sell her home if she could not afford her home. However, XXXX w/ XXXX XXXX stated it was Ditech who made the decision, and it was nothing XXXX XXXX could do as an investor. Then XXXX XXXX refused to provide XXXX XXXX with a supervisor, that all supervisors have a set schedule, the supervisors do not wait after XXXX to speak with consumers, and stated did advised XXXX XXXX of the 60 90 days delinquent. 
Thus, I reviewed all letters, documents, & emails very careful before writing this letter, and it was nothing said about the 60 90 days delinquent requirements. Now, XXXX XXXX mortgage payments are going to be {$860.00} w/ a SSI income of {$800.00}. All the letters & documents stated some kind of assistance would be provided ; however, we only got a rejected letter. 

Thanks XXXX XXXX
My private student loan company, Sallie Mae, will not offer any alternative type of payment plan. My payments have gone up to {$760.00}. I contacted them several times but they offer no options. The only thing I am told is they offer a direct debit payment option. How is that any help if you ca n't make the payment to begin with? I do not want to default and want to pay something reasonable but they just wo n't budge.
There was a late payment that showed up incorrectly for my wells fargo credit card in XX/XX/2015. I paid the balance always on time and never any payment from either my wells fargo or other credit card ( I have 10+ credit card ) I made several calls and the bank disagreed to fix the issue. Why should I delay a payment on the a XXXX credit limit card while I always pay on time for my credit card with 30K+ limit
I filed a compliant initially as TransUnion had someone else social and accounts listed on my credit file initial compliant # was   XXXX   Now my credit does n't even pull up. I have many items that are open and active and no TransUnion credit report why? This has got to be resolved and is unfair to me. I need to make a financial move like yesterday and can not due to this problem. I NEED HELP
Dear sir. 
I HAVE DISPUTED THE FOLLOWING NAMES AND ADDRESSES FROM MY CREDIT REPORTFOR SO MANY TIME, BUT TRANSUNION AND XXXX NEVER ACKNOWLEDGE THE FACT BEHIND THE DISPUTE. 
I attached a copy containing the names and addressesI also attached a copy my utility bill as a proof of my name and address
I have been contacted by USAA seven times today. Five times within one and a half hours. I had n't been answering the calls and when I did finally answer the call I spoke with " XXXX. '' He informed me that it was " irrelevant '' as to how many times he contacted me as long as I had n't answered the phone. I am submitting this complaint to inform XXXX and USAA that their collection methods are annoying and harassing and I would like it to stop. I will be submitting a written letter and request to USAA as well.
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX.