WillisBack/dataset-financial-user-claim huggingface dataset:
NEW FORM OF CREDIT CARD SCAM USING ONLINE XXXX. 
I would like to make a report. The popular websites known as XXXX where people search for jobs is now a medium through which scammers target US resident to work with them. I, m a victim along with others because I 've seen where they post about it. They represent themselves to you as owner of online XXXX XXXX. They go by various name such as XXXX, XXXX XXXX, XXXX and XXXX. They are very good at what they do. I was offered this project on XXXX. First they tell you that they are not tech savy so they would like you to build a website for them and create a new email for business. The salary is XXXX per week. Once all that is done they send you all kind of agreements and policy also they send you pictures of the painting. Once all of that is done you are required to create a merchant account with XXXX. XXXX and XXXX is the only companies these scammers use i dont know why. Once the accounts are created they ask you to process orders. They have a long list of credit cards information for XXXX of individuals who lives in the US. Ive seen in only on webcam because they interview you on hangout. You are then required to process 10 orders per day they provide you with the individuals information. Of the 4/5 orders only 3 successful the money one painting cost XXXX dollars. So thats XXXX per day to be deposited to the square account after that the company would deposit the money to out bank accounts. I found out before it was too late because i started asking question and i realize they did n't want to answer until XXXX of the deposit went to my bank account total of XXXX the next morning the victim of that scam call me i explain to her what happen she told me that she did n't purchase any painting so i sent her screenshot of all the conversation and the information given to me then i notify XXXX XXXX of whats happening. After all that i refunded the money to all the individuals Its getting really popular they only target person living in US i would love for the work to get out below is a link to two other persons it happen to as well. I have email conversation i have phone numbers i have the conversation as evidence please look into it. 
XXXX I made a report to XXXX about it and also made a report to US bank about it. I still have the individuals credit card information as well as evidence.
I submitted an application for a loan discharge and was denied. I Received documents stating that I withdrew from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, NY XXXX on XX/XX/1989. As I stated I never lived in NY or attended a school by the name of XXXX  XXXX XXXX in NY. The school I did attend was a free program and closed while I was attending. I requested for any and all documents pertaining to this loan under the FOIA and received 110 pages including a borrower 's rights letter and 1 page from a promissory note. Copies of this voided promissory note were sent to CFPB account numbers XXXX-XXXX, XXXX- XXXX and XXXX-XXXX. Also, Ms. XXXX XXXX from the State of IL. Attorney General Office file number XXXX and the credit bureaus. By law, a promissory note is voided if it has been altered or incorrectly written. This Promissory note does not contains all the legal detail which must include interest rate, the full amount of the loan, and payment frequency. In this Promissory note, theres only section E and F and state about a page 4, the other pages that state paragraph 1 through 17 have been added also, the pages are not number. I disputed with the credit bureau and it has been removed
I started contacting ARC Management Group in late XX/XX/XXXX to request proof of payoff that occurred in XX/XX/XXXX. They verbally stated that the debt has been payed to XXXX, but I have requested written proof 4 times. Each time, they say " we will forward the request to the department who sends out that information, and you should have an email in your account with ( insert varying time frames here ) ''. I have yet to receive a written proof of payoff and the business office will not help me resolve the situation - they will only resend the request to another department.
Ref : XXXX XXXX XXXX / XXXX Approximately 6 months ago, I refinanced my mortgage from a 30 yr term down to a 15 yr term with XXXX XXXX XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX with XXXX XXXX. Through further conversation, XXXX advised, I had a lot of built up equity in my home and asked it I wanted to hear about some great options that were available to me. I told him " I MAY '' be interested in a 10-15k home equity loan in XXXX '' XXXX replied, I'll email some information to you. The conversation was literally 1-2 minutes in length. 2 hours later it was revealed he did a HARD Inquiry on my credit WITHOUT my permission and sent me a sales contract. At no time, did we even discuss rates or actual options. How he obtained my personal information i.e. date of birth/social security number is through their database when I completed my 15 year refinance loan 6 months prior. I immediately contacted XXXX XXXX via telephone when I received the email and left him 2 voicemails asking him why he pulled my credit, but I received no response. The next day, I contacted his supervisor, XXXX XXXX and filed a complaint. XXXX XXXX seemed receptive and stated, XXXX XXXX should have never pull my credit based on our conversation. On XX/XX/XXXX, XXXX XXXX sent me an email directing me to send an email back to him requesting the credit inquiring be removed from my credit report. I also generated a complaint with the XXXX XXXX XXXX ( Upstate South Carolina ) who contacted the company and relayed all information. complaint ID XXXX A few days later, I received a letter in the mail from XXXX XXXX XXXX 's Attorney stating their company did no wrong doing. Furthermore, he stated he spoke to XXXX XXXX and who advised I gave him consent. This is a TOTAL Lie. So, the whole process with the XXXX XXXX XXXX was just He said she said, with XXXX XXXX XXXX not admitting their employee was wrong. In addition, they never removed the unauthorized credit inquiring off my report. It affected my XXXX credit score and will remain in effect until XXXX. I NEVER INSINUATED OR DIRECTED XXXX XXXX TO RUN MY CREDIT OR WORK UP A SALES CONTRACT. Respectfully, XXXX XXXX
I received my credit report from Equifax and it contained one public record which I have disputed and it came back satisfied and released. I have spoken to the clerk of both courts and have been told they do n't report nor provide any information to credit reporting agencies including Equifax. Moreover, court records do not list Social security numbers. I would like to know how Equifax verified this account and updated the status to satisfied and released. My SSN and the SSN listed in the courts do not match. So how does Equifax tie this account to me ( MY NAME ). My Social security number does not match what is in the court records. If the court records do n't match my records Equifax needs to have documentation that matches my exact XXXX digit SSN, if it does not Equifax must DELETE this account from my credit profile..
My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company convergent and their right to collect. I have a {$0.00} balance with convergent and this account is listed as A XXXX write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to convergent and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that convergent has a legal right to collect. I also do not owe convergent and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to convergent. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off. 

It is within my rights under the XXXX to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX
I have made attempts after attempts to get   XXXX   XXXX   and    XXXX   XXXX   XXXX   off my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresu s should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.
I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Discover XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I received a Bank of America Visa Reward Card from XXXX for {$5.00}. I went to use it and the people at XXXX told me it had expired 5 days earlier. I called the number on the back of the card and Bank of America told me the card had expired. I asked them to reactivate it and they said it would be easier to mail it to me if I liked. I said great and was very happy that it would be so easy to fix. I waited 8 weeks and no check so I called Bank of America again. They said the account was closed. I said yes but I never got my {$5.00}. They said yes we charge {$5.00} to send the check. I said, the first time I called the lady didn't say there would be any charge or I would have had her reactivate the card to get the {$5.00}. I spent 20 minutes on the phone with Bank of America and all they told me was cut up the card. I asked if it had {$5.00} they would send me a penny? She said yes. I asked if it had {$4.00} on it I would owe them a dollar. She didn't know what to say. I feel like Bank of America is stealing small account amounts and should be held to account for it.
On XXXX XXXX a wire transfer of {$23000.00} was made through Popular Bank from a corporate account in XXXX XXXX to a supplier 's corporate account in XXXX Bank, XXXX. To this date XXXX/XXXX/2015 the funds have not been received by the beneficiary. After numerous contacts and follow ups with Popular Bank 's representative we have been provided with little information as to what is going on. The bank charged me {$20.00} to do a TRACE on the transaction and 10 days later i still do n't have an official answer. after numerouse follow ups Popular Bank finally informed me that the funds were being withheld by XXXX XXXX XXXX XXXX XXXX bank ) because of an XXXX regulation. I verify the XXXX list and my supplier is not listed by XXXX and I ask the bank about it and they do n't know what the issue is because its XXXX XXXX XXXX holding the funds. On XXXX XXXX, Popular Bank informs me I need to provide additional information from the beneficiary, this information was provided the same day. Ten days have gone by and still we have no answer nor explanation as to why the money has not reached its destination or been re-deposited in my corporate account.
XXXX is showing a Bank if America account opened in my name on XX/XX/2017 and closed the same date and its showing unpaid with suspected fraud activity. Ive never had Bank of America. Ive been with XXXX XXXX XXXX for 4 years now
In the Fall of XXXX, Wells Fargo Home Mortgage ( WFHM ) did mortgage modification making my home loan more affordable. My mortgage loan with WFHM started to default in XXXX of XXXX due to divorce & my becoming XXXX. I signed up for Home Mortgage Foreclosure Avoidance Program sponsored by Oregon Department of Justice. I went through the program twice but was unable to meet their requirement due to Debt to Income ratio. After utilizing and exhausting all of my financial resource 's to try to remedy the problem, I am not hopeful of any solution. Further, I was contacted by WFHM and ask if I had consider walking away from my home mortgage, recommending that I apply for a Mortgage Release / Deed in Lieu Foreclosure ( DIL ). The DIL was a Cash Incentive Based Program by WFHM with a potential paid out amount to me of up to $ XXXX. These monies were to help with relocation costs such as rent, moving, labor, storage and cleaning costs. 
It should be noted that WFHM did have certain requirements mostly associated with the condition that the home was left in, I.E., cleanliness. In XXXX of XXXX WFHM initiated the formal Foreclosure. In XXXX of XXXX, I applied for the DIL and WFHA requested such documents as ; My Hardship Letter and Income Proof. I received notification from a XXXX part company named ; XXXX XXXX XXXX XXXX that the Trustee 's Sale would take place on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I contacted WFHM, less then 72 hours before the Trustee Sale date, I found out from WFHM my mortgage loan no longer existed in Wells Fargo 's system and that the DIL was off the table wad I was never notified. Further, I found out that Wells Fargo sold my mortgage to a company named, XXXX XXXX XXXX. XXXX XXXX Loans offered a Deed in Lieu Program but requires 37 days and without any cash incentive for relocation expenses. This seems to be completely wrong and I feel that my Due Process Rights Have Been Violated. How many other people do they do this to. I lived in my house for nearly 30 years and now that I become XXXX I limited to what I cane do and how I can do things without help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX ( XXXX XXXX XXXXXXXXXXXX
The credit reporting agencies are incorrectly reporting my current account status as XXXX120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.
I have no idea what the problem is with this company. They want me to verify my address and or social security number. Sorry, no can do.
Wells Fargo Dealer services offered me a settlement amount I paid it and they sent me a letter that effective XX/XX/18 my account is settled in full and my account is closed. They said that they sent this info to all three beaurea. It is still reporting incorrectly and every time I dispute it with the beaureas wells Fargo says that I still have a balance. I opened a complaint with Wells Fargo office of the presidents and the dispute was settled telling me to send the letter they gave me to the reporting agencies and they should honor it but that's not what's happening. They are all ignoring the letter.I have a pending home closing and I'm scared that I'm gon na lose my home because of this Help!!!!!
( a ) Attempts to resolve this with offshore assistance are futile ... I was disconnected after requesting, then demanding a supervisor. ( b ) Month after month, I have issues with Cap1 having a friendly digital relationship with my XXXX XXXX XXXXXXXX.. First, I can not efficiently use my online bill pay feature with XXXX due to a cooperative institution to institution relationship. Secondly, XXXX must then cut a check and send it as though this is some small mom & pop creditor. Then the payment of my transactions are greatly delayed. Creating the need for me to call every month and demand they clear a XXXX check so I can use my card. ( c ) Made a purchase with XXXX on XX/XX/XXXX and discovered the hotel was grossly over rated and I should not have been charged this amount of XXXX.. This charge should be disputed as, faulty product.
I have been in XXXX for two years, and entering my third. ACS has continually, through the three years, continued to withdraw a monthly amount, and claims they have no record of my enrolling in school ( no other lender has this issue ). Furthermore, I can not get a person on the line now, because every time I try to call, the system gravely informs me that my account and social security number are incorrect, and to 'call back when I have that number. ' Again, I am entering correct information. ( Although the website says it does n't display the full account number, with is supposed to be found under a non-existent general info tab ). This is beyond frustrating, and ACS should be held accountable in some way. Please help me contact them and get this issue ( that should not be an issue ) resolved. Thank you.
On XXXX XXXX, 2015 @ XXXX XXXX I was contacted by someone caed my job stating that she needed to what time I would be home to serve me some papers I needed to sign for I informed her that I work daily and do not have set hours that i come home in the evening. I then asked what kind of papers she responded just to notify me of debit she gave me contact info of the company with a reference number. I called the company @ XXXX Reference # XXXX & the said the were working for an investor & they wanted full payment I explained i can make a payment of {$20.00} a month she put me on hold said investor would on take {$170.00} a month i explained i could not afford that amount & she got really rude and stated how close can you come i responded {$20.00} she said i need to be more realist with payment. I hung up on her when she got loud. I recieved several number withheld numbers & then a message was left stating she would be out to my home on XXXX XXXX, 2015 & she needs to see my ID to leave papers & she has a second address she will also go to if i am not home and left the number where the papers where sent from. I then called the company who does not give the name of the company & I spoke with XXXX XXXX ext. XXXX I explained to him that I recieved a voicemail from some woman stating she was going to bring papers to my home & second address if I am not home I told him they could not come to my job he stated that she would not and they would just be sent in the mail if she could not reach me. As i was hanging up the phone he stated good luck in court & hung up. I called the number back and asked for his name, company name, & address so I could file a complaint for the comment he made about have a good luck in court when I was told the day before that the papers were just to notify me of the debt & it had not reached that stage yet & I also wanted to report him for his attitude. I also told XXXX XXXX that I was going to report the threat to take legal action to the FTC. He then became reallly rude and gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX and the Director is XXXX XXXX ( ext. XXXX ) & he stated again good luck in court case we do plan to take action & do you want the attorneys name I hung up on him because he was upseting me with his rude attitude.
My 2018 tax return was taken to pay off this debt I had for Transworld Systems Inc for my XXXX XXXX Credit Card. By the statement I received on XX/XX/XXXX it stated that my balance before payment was {$6200.00}. A payment of {$4600.00} was made onXX/XX/XXXX. This  credit collection agency only applied {$1400.00} to the balance. If they applied the whole amount that was paid on this account the balance would be at {$1600.00}. I have reached out to this company to provide me a itemized bill but they have never sent me one. They have taken the payment and not honestly applied the right amount to the balance on my account. The have refused to provide me any itemize statement of where the remaining money I paid was applied to.
Chase Bank is promoting bonuses for opening checking accounts online. 
I opened an account on XX/XX/2018 after being automatically forwarded from the link. 
It stated that a bonus of {$300.00} would be paid after enrolling in direct deposit. 
After completing the requirements and after two months had passed, I inquired about the bonus. 
They responded, saying I needed a coupon code to get the bonus. 
I have the pages copied if they are needed for verification. 
As of today, the process is the same.No coupon code is given when opened online. 
Any assistance with this matter is greatly appreciated. 
Thank you, XXXX XXXX
I had XXXX XXXX XXXX XXXX XXXX. XXXX was with Citi Bank and I cancelled the card in order to avoid the {$100.00}. annual fee. The other card was with XXXX. I owed {$550.00}. on the XXXX XXXX. I scheduled a payment to XXXX account for XXXX XXXX on my Bill Pay at XXXX XXXX XXXX ( XXXX ). XXXX changed their Bill Pay Web page and I had to reenter the XXXX Credit card account number. When I did this the XXXX site popped up with a notice that the account was recognized and there was no need to add more information. What XXXX Bill Pay sent my payment to Citi Bank! Citi Bank cashed the check on XXXX XXXX. XXXX called to tell me I was delinquent! That was when I researched the payment and found out that Citi Bank took the money. I payed a minimum to XXXX over the phone and they reversed my late fee. Meanwhile I printed a copy of my cashed XXXX Bill Pay check that Citi Bank had cashed. Citi Bank had hand written an account number onto the check that I did not recognize. I called them and told them what had happened. They told me that they had applied the payment to an account that was forgiven in a Bankruptcy filed in XXXX and that I could not file for a refund for 30 days. I have to call them back on XXXX XXXX. I 'm not sure they will even refund the money when I submit this complaint on the XXXX. I believe they are in violation of the Bankruptcy Protection Laws if not committing an act of fraud. How can they write another account number on my check when that account is closed.
XXXX XXXX fka XXXX has reported my mortgage late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home was sold and closed on XX/XX/XXXX. I have been told that it will be updating my credit report. As of now it has still NOT been corrected, nor will they provide me a letter stating that it is their error and that it is being corrected. I am trying to obtain a new mortgage and can not move forward because of them
I got behind on my credit card and they call me up to 10 times a day even on Sundays. I told them to send me their information so I could send them a letter not to call me more than three times a day. I did not receive that information they continue to call me 10 times a day.
I sent a complaint to you a month ago, # XXXX, regarding Experian and their refusal to sent my yearly credit report. They responded to the above complaint number that the report was mailed to me on XXXX/XXXX/16. It is now XXXX/XXXX/16, and I have still not received the credit report. This is exactly why I am complaining about Experian. They also are constantly releasing negative information about my credit, and then I have NO ACCESS to even see what they have said. I have no problems with XXXX or XXXX, and they provide my credit report online every year, as the law requires. Experian, however, NEVER wants to comply. This is my second request to you for help with this.