WillisBack/dataset-financial-user-claim huggingface dataset:
I was looking online to purchase tickets for last minute flights today XX/XX/XXXX around XXXX XXXX PDT. I found someone on XXXX who had a XXXX buddy pass for {$150.00} and called him at XXXX at XXXX. He went over the flights times with me he told me I would have to pay taxes and fees on top of the {$150.00} for a total of {$210.00}. He claimed he was going to give me his XXXX login & XXXX number to complete the purchase, but he needed to charge his phone and call me back. He called me back at XXXX and asked for my email to send the itinerary and gave me his email to send my payment through XXXX ( XXXX ). His email XXXX. We sat on the phone as I processed my payment and he confirmed receiving my payment ( conf XXXX ). He asked me to stay on hold while he emailed me his login info to complete. I sat on hold for 15 mins before I hung up and tried calling back. He never answered. 

I immediately called Wells Fargo ( XXXX ) and they informed me that because I initiated the transaction they could not help me. I proceeded to tell them that if I made a purchase with my debit card that they would protect my purchase. Now because I transferred money they should still be able to protect my purchase. He apologized and suggested that I call XXXX XXXX XXXX because the email address is associated with their bank and they would be the ones to look it up. He gave me the transaction information to confirm and I thanked him and called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me that was not right, and my bank should be able to contact them through their merchant bank and let them know the transaction details to contact the person associated with their bank with there account information. She advised me to call Wells Fargo back so they can file a claim. 

XXXX I called Wells Fargo back and this time I was informed by XXXX that they can file a claim, but since the charge is pending I may have to wait and call back tomorrow. She placed me on hold for 15 mins to try to figure out what other options they may have. She informed me that the only thing I can do is to file a police report because the transaction is complete. Another 15 minutes go by. She tried to submit a claim and her floor leaders told her the " correct information '', which was to file a police report. I let her know that XXXX XXXX XXXX TOLD me that Wells Fargo could contact their merchant bank to file a claim. She placed me back on hold to ask her floor leaders. 2 more minutes go by and she comes back and says they are creating a case for XXXX XXXX XXXX and confirmed my contact info. I was told they were making a claim investigation would and it could take 10 business days. I would get a provisional credit and they would contact me to let me know either way what the results are. 
My Case ID XXXX.
I would like to have my credit report updated because the listed judgements, which were filed by XXXX in XX/XX/XXXX with a case number XXXX and XXXX filed in XX/XX/XXXX with case number XXXX, were settled and paid in full by my lawyer in XX/XX/XXXX. I have attachments that reflect that these items were paid and closed as part of my settlement. I am in the process of applying for a mortgage and the items do not reflect correctly on my credit report, and this is preventing me from moving forward with my credit application. Thank you.
On XX/XX/XXXX I used services of Western Unionto send a small sum of money to my mother inXXXX. The transfer was immediately suspendedand explained that my name resembles someone 's onthe OFAC sanctions list. I provided all my personalinfo along with the copy ID to WU security dept. and alsochecked my name on that list. Neither mine nor my mother'snames showed up. However, WU still evading myquestions about time frame they need to verify my infoand why they are lying about the sanctions list. May be I'mmissing something, but the same situation with the listhappened to my brother-in-law who tried to sendmoney to his mother, also in XXXX, this month. 
Thank you for your attention
My mother was called on her landline number and they were asking her where I was and that they are debt collectors. Clearly  that is not my mothers business and it was inappropriate.
MY MORTGAGE COMPANY HAS BEEN REPORTING MY ACCOUNT TO THE CREDIT BUREAU XXXX FOR MANY YEARS. BETWEEN THE DATES OF XXXX XXXX AND XXXX XXXX OF THIS YEAR, THE ACCOUNT DISAPPEARED FROM THE XXXX REPORT. THIS ERROR IN REMOVAL OF MY ACCOUNT HAS CAUSED MY SCORE TO DROP DRASTICALLY. I CONTACTED THEM AND WAS TOLD THAT IT WAS BEING REPORTED EVERY MONTH. I CONTACTED THE CREDIT BUREAU AND THEY STATE THAT THE ACCOUNT DOES NOT EXIST. I HAVE WRITTEN DISPUTE LETTERS TO XXXX AND THE ACCOUNT IS STILL NOT APPEARING ON MY REPORT. IT IS AN ABSOLUTE ERROR! THIS IS AFFECTING MY CREDIT HEALTH. THE CREDIT BUREAU IS STATING IT IS THE MORTGAGE COMPANY 'S ISSUE. MORTGAGE COMPANY STATES THEY ARE REPORTING CORRECTLY. I HAVE PRESSING BUSINESS MATTERS TO HANDLE AND CA N'T AS LONG AS IT STANDS AS IT IS. ACCOUNT WAS OPENED IN 2004 - THE EFFECT OF THIS ACCOUNT DISAPPEARING FROM THE BUREAU, SHOWS I HAVE LESS OF A CREDIT HISTORY THEN I ACTUALLY HAVE. NO WHERE ELSE TO TURN. DISPUTES ARE NOT WORKING.
I am receiving calls asking to pay a account was Charge Off. 
Company is making threats to go to my house with attorney to go to court. 
They say they will take money from my bank account, If I do not pay XXXX payment with full balance. 

I request prove validating the account I was never informed account was sold.
My account was charged 21 individual overdraft fees @ {$35.00} each for a total of {$730.00} charged to my account. The reason for the overdraft was a transition to a new employer and the wait time required to set up direct deposit to my account. The email notification that I would have normally received would have informed me that my balance was below the minimum balance. The email account for that notification was suspended when I terminated my employment with my previous company. I never received notification of any kind from XXXX XXXX that my account was overdrawn. I called XXXX XXXX for resolution of the charges and explained my situation. They credited my account back half of the charges. This is not sufficient. There is still a balance of charges totaling {$380.00}. They told me that the 21 individual charges where associated with recurring automatic payments that charge my account monthly. When I look at the charges that came in automatically they do not match up with the 21 charges against my account. I have been a long term customer and feel the charges are excessive and a small price to pay to keep a long term customer.
Capital One Auto Finance is reporting false information to my credit report and is attempting to collect a debt which is not owed. Capital One Auto Finance is claiming that I owe {$250.00} for a vehicle which I paid for in full. I have disputed this account and requested Capital One Auto Finance send me full payment history of this account to prove that this account is accurate and complete. Capital One Auto Finance refuses to comply with the FDCPA. I do not owe {$250.00} and this account has been paid in full yet Capital One will not update the file. Capital One 's negligence is harming my credit worthiness and my ability to obtain credit.
TransUnion Consumer Relations XXXX. XXXX XXXX, XXXX, PA XXXX I have contacted Transunion several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged creditor reporting item : XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged creditor reporting item : XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX of XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, FL XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, FL XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX of XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX *Inquiry from XX/XX/XXXX *Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
There are XXXX names on my credit report that are not mine and I have never used - XXXX XXXX XXXX and XXXX XXXX XXXX
I have just discovered that I am a victim of identity theft / fraud. I have been trying to request a free copy of my credit report from Experian through annualcreditreport.com. After inputting my info on the first screen, then selecting Experian on the 2nd screen and submitting it, my browser advanced to https : //www.experian.com/ncaconline/acr, but it then sat there for over 45 minutes, with nothing loading on the screen. I exited, then re-started the process from scratch, and the same thing happened. ( I am using the latest version of XXXX, as my browser, which is compatible per the web site. ) The annualcreditreport web site says to contact the credit agency directly regarding any problems/issues -- and I could not find any " troubleshooting '' info available on annualcreditreport either. So, I went to Experian 's own web site, looking for some kind of an on-line chat function, consumer XXXX number, or a consumer troubleshooting section -- but could find nothing. I am concerned that Experian is perhaps throttling requests that come through annualcredit reports.com or something -- as a means for consumers to get frustrated and simply pay for a report instead through their private web site --? I need to get my credit report asap, as my bank account has been raided, my credit cards have been used fraudulantly, and I am aware of credit cards being opened fraudulantly in my name. However, I am not able to get such from Experian!!!
On XX/XX/XXXX XXXX responded to CFPB complaint still opened with XXXX alleging the account was closed and correctly reported. 

Based on my disputes from XX/XX/XXXX XXXX, XXXX, and XXXX has manipulated payment history and credit lines adding new derogatory information to closed accounts with Failure to Payment statuses. XXXX reduced credit on store card following a dispute to {$250.00} updating to paid after fraudulent new information they kept reporting after every dispute to reduce my score over the last 90+ days. 

XXXX did not investigate they give creditor unlimited access to make additional derogatory data for conflict after the next limiting consumer right to dispute each new reporting. XXXX has been making new activity ongoing
We feel like we are getting the run around from CitiMortgage like we have in the past with respect to our application for assistance/loan modification. They did n't review or underwrite our application for assistance, they are making numerous collection calls to me at work ( in violation of the bankruptcy discharge - I am currently working with an attorney to see what our rights are as to these violations ), send letters that contradict previous letters adding to our confusion ( we were declined for a short sale that we did not request or apply for and then notified the following day that we were conditionally approved ), failing to respond to email requests, failing to respond to our loan modification appeal within the required time frame ( 30 days ), and misleading us by sending a HAMP application when our investor does not participate in HAMP. 
We love our home and desperately want to keep it. We just do n't think that CitiMortgage is acting in good faith based on the way our account has been handled since XXXX. We would just like the investor and CitiMortgage to work with us to make our payments more manageable and affordable.
My IRA which I transferred from my XXXX what was left to keep from loosing any more XXXX to XXXX after being told by the Vice President, and Customer Service that it was a Federal Law that a IRA could only be by Myself or the IRS for back taxes. I later had the same thing told to me by Vice Presidents, Legal Dept., Customer Service Dept.in XXXX, XXXX XXXX, California, Florida & North Carolina. Even the woman in Florida that disbursed the check to XXXX XXXX XXXX till she found out who I was with my file. When she returned to the phone " we did nothing wrong, and there is nothing you can do '' and hung up would not answer my calls or return my calls.
I opened an account, on XX/XX/XXXX. There were checks ordered, for the account. I should have been billed, for the product, in the first few days, like, by XX/XX/XXXX. The company creating the checks, did n't bill me until XX/XX/XXXX. They did so by check. I never wrote a check. Also, apparently, they have the practice of waiting to bill the customer, until they have produced the checks ( which I claim, is a faulty billing process ). That 's XXXX XXXX. The bank is Bank of Hawaii. The bank charged me XXXX, for the first bounced check, a billing I did n't receive, until 14 days after ordering ; which, itself, is not good practice ; I expect to be billed, when I received the order. I never received any billing statement, or notice of actual cost of the check book, because the account-opening portion of the application ( boh application, ipad ) never stated how much I owed. 

The XXXX XXXX company, bounced XXXX check, for {$13.00}, three times, in the account. They only did that, I assume, because of some protected relationship with Bank of Hawaii. I assume, that an ordinary organization, can not thrice bounce, XXXX check, in an account. So. That leads to the question, why the long billing cycle, instead of a timely one. So. The thrice bounced checks are the fault of the Bank of Hawaii, because of permissions, granted by them, to XXXX of their contracted affiliates. So. I 'm willing to pay XXXX fee of {$26.00}, but not XXXX. The manager comes back with - via the car sales teller, apparently - that he 's willing to remove XXXX overdraft fee, ( so its ok, for a company to double bounce unwritten checks, instead of cancelling an unpaid-for order ). 

In addition, there were {$10.00} per week XXXX balance fees. I get paid once per month, on the first. At the time of XX/XX/XXXX, I was willing to pay {$26.00}, only. But the charge at that time was like {$90.00}. I had my ipad stolen, at the same time, and my debit cards were stolen. I was unable to access my bank account, at the time, to sort out the charges. I would have paid the {$26.00}, but not the {$90.00}. I am requesting to pay nothing more, than the ( XXXX ) bounced check fee, ( ~? ) {$13.00}, for the cost of the checks, and any XXXX $ balance fees that happened, before XX/XX/XXXX. 

In other words. The additional XXXX overdraft fees, are the fault of Bank of Hawaii, and were not authorized by me ; and, I deserve time, to be able to talk about it. 

Thank you.
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ).  Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements
The following inquiries was supposed to been removed and is still showing. This is on my Experian report which I pay monthly for. 


XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX date XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XX/XX/XXXX-Inquiry date XX/XX/XXXX-Removal date Bank Credit Cards XX/XX/XXXX, XXXX XX/XX/XXXX BYMAILONLY
I applied to a refinance advertisement that was mailed to my address by Capital One Bank during XXXX 2015, with a coupon offer of $ XXXX credit towards closing cost. I called them and talked to XXXX XXXX XXXX, Loan officer @ XXXX. We negotiated to refinance my existing loan with XXXX XXXX XXXX at 3.15 % for fifteen years fixed. I locked in the rate and she mailed me the application package. I filled it, package with all the paper works, and gave them my credit card number for processing fee of @ XXXX to be charged after the loan has been approved and closed along with all other closing cost. I received an acknowledgement that they have received all the papers and my application is complete. We will close the loan on XXXX XXXX 2015. After couple of weeks XXXX XXXX XXXX called for some other papers to be signed and I complied with it. After my several call to XXXX XXXX, gave me the number of XXXX XXXX XXXX loan XXXX XXXX. 
After couple of weeks later when I called he said that my loan application has been cancelled due non compliance of their paper works in time. I told him that Capital One Bank has acknowledged me that they have received all paperwork and my application is complete. 
I told him, please let me know in writing that you are cancelling my application due to what ground and what further paperwork you need from me, so that I can comply with it. 
He never replied and after my repeated calls he is telling me since my original application is cancelled and he can not do anything, but he can offer me another refinance loan with a current rate which will be little higher. In the mean time they are holding my processing cost of $ XXXX and not answer my calls or emails at all. This complain is to intervene this matter with online Capital one bank to comply with the Federal fair lending acts. 
XXXX XXXX Loan No. XXXX. No. XXXX
I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from TransUnion verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, 2017. I also contacted the New York Federal Court on the same day & was also told that NO ONE from TransUnion verified any type of bankruptcies.
We have a VA Guaranteed Mortgage loan with USAA since XXXX XXXX. 
let me number the problems we had and still have with them : # We told USAA is the lender and servicer for loan. But every time we have to call USAA, they made us deal with 3th.parties ( their servicer ) # XXXX We got a call from USAA in order to refinance our mortgage for lover interest rate. We told it will reduce monthly payment. And no out of pocket expenses from us. We agreed so. At the end of process, we have to wrote a check for {$80.00}. 
# We told " Mortgage insurance will finance with new loan ''. So we call them to make sure before we spend the refund mortgage insurance from old loan at XXXX time. Representative from USAA told us " Mortgage Insurance already build in to new loan ''. We spended the refund at XXXX time. Month later USAA turn around and ask us to make {$1500.00} Mortgage insurance payment. When we contacted them, USAA told us " There was a mistake or misunderstanding, We are sorry but You have to make the payment. 
My question was " since when we start paying for banks mistakes? '' # last and current one is ; We got online and schedule first payment of new loan for the date We receive my pension. Which is XXXX of each month last 6 years for old loan and this loan. We schedule as it is for XXXX of every month. Servicer of USAA try to take funds before the first ( as it schedule ) and payment decline. They are asking me to pay $ XXXX-Bad Check Fee-. We made all our payments on XXXX of each month and there is no reason for available fun before then to make payment. Why we would try to make such thing as they claim. 
Mistake of Usaa {$80.00} and {$20.00}, we would like it to refund and it is not fair to pay for {$1500.00} baking mistake and We have to pay for it. USAA did not build it in the loan, we told. And Usaa should pay for their own mistake, not us.
Allied Interstate collection agency in Ohio called about what they said is a debt I owe. I have no credit card collections or debts. They tried to tell me it was a debt from many years ago. This is n't my debt, if it were, that seems like unfair tactics to reopen a debt when a debtor has passed the statute of limitations on collection. By allowing creditors to continue to call and try to trick consumers into acknowledging a debt the law is not holding it 's promise as to being fair and having an actual statute of limitations. The Allied Interstate company contact me trying to get me to acknowledge a debt, which is clearly not owed by me, and is not my debt.
I have an account with PAYPAL under XXXXXXXXXXXX and I used this account to purchase items from Ebay. I purchased an item on Ebay for {$910.00} on XX/XX/XXXX from a merchant in XXXX using my XXXX XXXX XXXX credit card and the payment was transacted through PAYPAL. The merchant defrauded me and sent me an empty packet. I promptly complained to Paypal and since PAYPAL was not acting in good faith, I asked my credit card company to reverse the charges. Although my credit card company reversed the charges, Paypal still owes me {$20.00} for this item as my credit card was charged XXXX and the rest XXXX was the reserve funds that was in my Paypal account. I talked with a Paypal representative as late as XX/XX/XXXX and he said that the refund would be sent to my bank account associated with Paypal. I still have not received the refund of {$20.00} that PAYPAL owes me. The transaction happened in XX/XX/XXXX and today is XX/XX/XXXX. I wonder if PAYPAL would tolerate this kind of non-payment if I had owed Paypal money. Please order Paypal to refund my money. Thank you.