WillisBack/dataset-financial-user-claim huggingface dataset:
This is regarding transaction ID # XXXX with TransferWise.com. 

On XX/XX/2018, I created an account and used transferwise.com for the first time to send USD XXXX to XXXX. TransferWise asked me my XXXX XXXX account login and password. I gave it to them, so they can use it to get the fund from it. The site showed the money should arrive in 1 hour ( XXXX ). 

On XX/XX/2018, I received an email confirming me that TransferWise has received the money ( XXXX ). 

On XX/XX/2018, I found my account has been deactivated without notice and I can't login to TransferWise.com. So, I sent email to TransferWise and they asked me to send a photo and photo ID ( XXXX ). By this time, it's already 5 days and I already gave up waiting for TransferWise and have already used a different online service to send the money. 

On XX/XX/2018, I replied I don't want the account anymore and just want my money back ( XXXX ). TransferWise asked me to check with the bank ( XXXX ). I called the bank but there's nothing the bank can do because the fund is already cleared. I asked if TransferWise has initiated the refund process or not ( XXXX ). 

On XX/XX/2018, TransferWise replied they have initiated the refund process on their side ( XXXX ) On XX/XX/2018, it's 10 days later and the money hasn't been refunded yet. So, I asked TransferWise again and provided them with a screenshot of the transaction from my checking account ( XXXX ). TransferWise replied that they're conducting a further customer due diligence check on my account and it can take approximately 60 working days ( XXXX ). 

On XX/XX/2018, I sent an email to complain they can't hold my money for that long without my permission ( XXXX ). TransferWise replied with similar info ( XXXX ). 

On XX/XX/2018, I sent another email to TransferWise mentioning it has been 2 months and I haven't received the money back ( XXXX ). TransferWise said they're forwarding my concern to the team ( XXXX ). 

Note : I also have called TransferWise regarding the issue, but they said they can't provide more info.
It seems my lender ( Bank of America ) has asked me to start the repayment period for my Home Equity Line of Credit. It was my understanding that this repayment period was to start at the end of 2017. Upon asking for a copy of the loan agreement the lender has mailed me six copies of this agreement but non are legible in the area that identifies the repayment period. I have sent two letters in the past two months and no written reply from the lender. An associate of the lender has called me four times but would not discuss this matter if I wished to record the conversation as they have done in the past on a number of calls. Not sure what my next action should be at this time.
Capital One Visa/Mastercard administration de nied and Declined my application because of my  XXXX    XXXX   and  XXXX  and Military Veteran status.   Also, because I have a Bankruptcy chapter  XXXX  on my credit report since  XXXX    XXXX   in which  XXXX , Texas  Federal Judge Discharged  on  XXXX    XXXX  .   I am a homeowner in  XXXX , Texas and have a  XXXX   XXXX  income of {$ XXXX } @ month with a  2  percent raise every year on  XXXX   XXXX .   I provide evidence to Capital One on financial status and I still was declined and Denied because of my  National Origin  as a   XXXX   XXXX    XXXX  and military Veteran.   This is a Discrimination and Retaliation against  XXXX  Military Veterans and a Federal Violations against my  ADA Disability Act  Civil Rights.   Notice : l will send decline response fro m Capital One cred it card administration by email ... Urgent Matters.
I sent a letter in XXXX requesting alidation of debt. I have never taken out a pay day loan, and have no knowledge of this debt what so ever. This company never responded to me, but continues to hold a judgment on XXXX credit reports.
A medical collection account of {$100.00} is being reported in my Experian credit report. This is the only agency reports it. I disputed this information with the Experian. I received a response stating that they verified the information. Since the reporting agency claims the account was validated, I disputed the account with the reporting collection agency. 

The collection agency did not reply to my validation request. Since I could n't get a response from the collection agency, I asked Experian to either share the information about who validated and what method was used to validate this alleged collection account or delete it from my report. 

As a response, Experian send me a copy of my report again saying the account was disputed in XXXX 2015. 

As of today, after XXXX disputes, Experian did neither delete nor properly investigated this account. 

first dispute with Experian : XXXX 2015 Dispute with Collection agency : XXXX 2015 Second dispute with Experian : XXXX 2015
Reference cfpb-XXXX, XXXX SLS states : Our records further reflect that the account has been reported current since service transferring to SLS and our records do not reflect that any correction or update to credit reporting has been required. If there is a specific report which you are concerned regarding the reporting, please provide the report so that we may review the allegations you are presenting. 

SLS refuses to update that status they report as current, to the credit reporting agencies. It is disingenuous to infer they do not know the report I am referencing since the only entity that can report to the credit reporting agencies is XXXX. XXXX does not arbitrarily report an account as delinquent.
Received a letter dated XX/XX/XXXX from XXXX XXXX XXXX,XXXX XXXX XXXX, XXXX XXXX SC XXXX who represents JH Portfolio Debt Equities , LLC regarding a XXXX XXXX credit card debt I had no knowledge of and that was expired since it was, according to their letter, from XX/XX/XXXX. The letter indicated that " this is an attempt to collect a debit by a debt collector and any information obtained would be used for that purpose ''. I responded as indicated I must do within 30 days to dispute the validity of the debt. Today, I've ordered my free credit reports to see if they have impacted my credit. They also indicated that even if the statute of limitation for suing me to collect the debt may have expired if " the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you ''. This is a scare tactic by this company to try to force me into the payment plan they offered in the letter and, to admit that this debt is my debt so they can reset the timing for the debt in the CREDITOR 's favor and continue their deceptive collection procedures. This is a violation of the Fair Debt Collection Practices Act,15 U.S.C. and these types of collection companies that buy junk debt and threaten the public should be banned from being in operation in the U.S.A.
I paid a deposit for a stay at a surf camp in XXXX via paypal but the recipient was a ghost account. The surf camp is reputable, it has a paypal account at XXXXXXXXXXXX. I sent the deposit to XXXXXXXXXXXX, who took the money, but did not provide any service, or provide a refund despite requests. The owners of that acount set it up just to receive payments made to the wrong address. They also set a XXXX account to attract people to pay for services that it has no intention of supplying. Paypal refused to reverse the payment : the complaint procedure person did not understand the issue and incorrectly closed the complaint in contradiction to Paypal 's published policies on fraud. This is a repeated problem for the camp owners, and a clear case of ghost-account fraud, but paypal refuses to act to protect customers from this fraud.
I applied for a mortgage loan with Carrington Mortgage company and the entire process was a headache. When they found out we wanted a manufactured home, instead of a traditional home, the person handling our loan, XXXX XXXX, spent half of our correspondence via email speaking on how " nearly impossible '' it would be to get approved for a manufactured home, and that I should keep looking for a traditional home as a back up. We told him we wanted this home and will do what we need to do to get it. Every time he asked for documents, we submitted them, then he reassured us it would be a long shot. His entire demeanor was unprofessional and negative. We paid for a full inspection of the home that detailed every aspect of the home, yet XXXX wanted us to pay for an additional inspection on the roof once the inspection came back in good condition. That was a waste of {$100.00} because ( in my opinion ) what he needed to know was in the original inspection. However, we spent more money and did it anyway. So, we get to within 30 days of closing, and he sends an email to my wife, my realtor, and I showing things that he said needs to be taken care of asap in order to close. Mind you, some of these items have not been mentioned on the previous list of things needed to close. So, at the last minute he threw new things at us. He highlighted several of those things stating that they would be major issues that will hinder our approval. I can forward the email upon request. He then sends this same email to the seller, which I understand, is a violation of our privacy. He sent our personal information that is on our credit that needs to be addressed, to the seller! Once they received the information, they immediately decided to back out of the short sale. In his conversation with my realtor in the early stages of the process, it was clear they did not want to finance a manufactured home and even said they would qualify us for more if we went for a traditional home. It 's frustrating to me because we invested so much time into this home, our children loved the property, and now because of this, we lost the opportunity to get it.
my wife has n't lived with me since XX/XX/2016 only one week XX/XX/XXXX .We are foster parents and monthly receive a check from family and job services.family and job services know this and XX/XX/XXXX started looking for a house for her found one soon after.My check never came in the mail so I phoned them and she signed for the check with them knowing that they got her a home and was n't living anything in this home that I purshed for the kids was on my credit card or check.so anyway they told my wife I will never get anything from me and the check was cashed without my signature at us bank.family and job told her to cash it and they helped her. how could a bank do this the check clearly stated our names and it said and between our names not or and I do n't deal with this bank no account at all
Convergent Outsourcing sent me a bill for an alleged debt. The alleged debt is past the statute of limitations. I do not want any further contact from Convergent Outsourcing in any form. When I have spoken to Convergent in the past they misrepresented who they were which is a flagrant violation of the Fair Debt Collections Practices Act. I do not owe any alleged debt they are trying to collect. They are hostile and abusive when speaking with them.
I have been having some financial problems and because I have asked to stop all payment withdrawal from what is now my husbands account and Texas Acceptance still continues do it, accumulating over draft fees, I need to dispute it. I have tried to keep in contact, although I realized that I have broken promises to pay, my intention 's is to pay this debt off. But at this time Texas Acceptance is no longer working with me and although I have asked them not withdraw from the original bank account given they still continue to do so.
I have a vehicle leased through XXXX XXXX XXXX. They had a major problem with their billing system this past winter. I received paper statements as well as online GM website information to monitor my account. Both sources showed my account was up to date. After they fixed their system, I received a new paper statement showing a new amount owed. I immediately payed that amount. I should not be punished for their failure to maintain their billing system. I did everything that could be reasonably expected given the faulty information that I was provided by GM Financial.
I entered into an agreement with Citibank for a merchant account in XX/XX/XXXX. I tried to cancel the account in XX/XX/XXXX but Citibank said they would charge me {$500.00} to close the account because I had signed a document agreeing to keep the account open until XX/XX/XXXX. I disagree with their assertion that I agreed to a three-year contract as they do not have an original signature from me and I do not recall reviewing any such clause, but I accepted that decision. I was told by Citibank that I could cancel the account on or after XX/XX/XXXX and would not be charged a fee. I have paid a service charge every month since then to keep the account open. I have not used the account and I have made the payments. I called Citibank on XX/XX/XXXX and spoke with XXXX ID # XXXX and explained the history and said that I was told I could now cancel the account and wished to do so. I confirmed with her that there would not be any charge to do so. She confirmed that there would not be a fee. However, I was charged a {$500.00} cancellation fee by Citibank on XX/XX/XXXX. I agreed to Citibank 's terms and kept the account open for an additional year, even though I never used it, to avoid paying the cancellation fee. I waited until they said I could cancel it without a fee. I then cancelled it and confirmed with the Citibank employee, XXXX, that I would not be charged a fee and I was charged a fee anyway. I feel like this is further example that Citibank is fraudulently charging me fees and I feel that they should be stopped from doing so. I expect a refund and I am contacting my own bank to dispute the charge and take whatever actions I can against Citibank for fraudulently charging me. 

Refer to my original claim submitted to CFPB in XX/XX/XXXX - that will have further history and documents, as well as Citibank 's response. Case number is XXXX.
On XX/XX/XXXX I requested a refund of a duplicate payment I made to XXXX XXXX XXXX XXXX XXXX XXXX I had submitted two payment on my vehicle auto loan on accident in the amount of XXXX I requested a refund on one of the payments I was not late on my auto loan I submitted all the paper work they requested and the representative told me I should not have any problem getting my money back On XX/XX/XXXX the representative contacted me back and informed me i should be able to receive my money back into my back account as an update well today XX/XX/XXXX I received a phone call from XXXX XXXX and he was very very unpleasant he denied me my money back after I was told several times I could receive it back I explained to him due to the government shut down I was having a hard time paying my bills and supporting my children he did not care he told me I had to leave the money on the car not and he was not going to refund my money back to my account I ask to speak with a supervisor he claim he was but he was not this was the worse customer service ever this company from the dealer to them got over on me I payed double for a car that is only worth a small price blue book value I been having problem since I purchased the vehicle and for them to not want to give me my money back after I told him I needed to support my children is wrong please help me take action on this company and this employee so he want treat another customer this way
I opened a citi checking and a savings account on XX/XX/18 in a branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The banker who opened the accounts for me is XXXX XXXX. There was a promotion of {$400.00} bonus if I keep more than {$15000.00} deposit into the account ( combined ) for 60 days. It has been almost 6 months past and I have NOT received the bonus. I have contacted the banker several times through email, call ( left voice mails asking to call back ) and walked into the branch ( he was off on that day ) I have never received his reply. I would have no other choice but to file a complaint against it. I was hoping Mr XXXX would take a close look and escalate to see why I haven't received the bonus. 

My checking account no is XXXX.
I ask a service to a law firm. The asked a deposit. They never gave the service. Service was to go to a court to defend. The never wen to a court. XXXX  claim to Capital one was on time. They have information in their system.
In XXXX XXXX XXXX Bank reported to chexsystems that my checking account was closed because of fraudulent activity. I closed the account on my own and there was no fraudulent activity on my account.
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or Navy Federal Credit Union, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX
I reached out to them on XX/XX/18 about incorrectly reported information via certified mail the information was received on XX/XX/18. It is now XX/XX/18 and I have not heard back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Experian continues to report Fraud information on credit report. They verified they received FTC, Police Report and Identity Theft report and continue to claim information is correct. All other reporting agencies have done proper investigation along with their third party and determined it was a fraud bankruptcy filing in 2017. The Bankruptcy List as XXXX XXXX and not XXXX XXXX, SS number on file is not listed as XXXX XXXX it's Listed as " XXXX ''. Therefore for Experian to say information has been verified that is incorrect and they continue to report Fraud and not conduct a proper investigation. When asked who provided the information was correct or what source I was told they didn't have to give me that information. When asked to speak with supervisor, I'm always transferred to the voice mail of " XXXX '' from the Team Integrity department, left messages and received no response. Experian has fail to comply with the Fair Credit Act
I applied for a new credit card ( XXXX Credit card ) with BBVA Compass bank few days ago and I received and activated it on XX/XX/XXXX. I registered the new card online so I can fully manage it myself. I had a credit account with this bank long ago which I stopped using since XX/XX/XXXXand was fully paid. I never used that old card and I never receive any new card. While online, I was surprised there were 4 accounts in my name and one of them has a balance of {$1500.00} ( CRC # XXXX ). I called their contact number on XX/XX/XXXX and spoke with a representative who told me to ignore it. According to the representative, the other cards showing were replacement cards. But I never received them, therefore never activated nor used them. He is quite arrogant when I insisted that I never had this card. ( But I printed all what I saw in my monitor ). I decided to cut the conversation and later called again. Next time I called on same date ( XX/XX/XXXX ), I spoke with a lady rep who said the same to ignore it. She told me it 's just nothing. I told her that if it was nothing, why is it generating current statements and even had balance. I printed the latest statement that I saw ( period XX/XX/XXXX-XX/XX/XXXX ). I  told the representative to close the new account I just opened because to me, there is something wrong in their system. I asked the lady to close all account in my name because I believe there is something wrong here. 

Today ( XX/XX/XXXX ), I went online to check if the account were closed but they are still there. And thus I need help in this case. 

I demand that all the accounts that appears in my name be closed and information be taken off their system.
NOTE : This is a problem with Experian, but I'm going to briefly summarize the details of the account that I'm disputing with them. 

-- ACCOUNT BACKSTORY -- In XXXX of XXXX, I signed up for a XXXX XXXX " XXXX '' Visa credit card. I used the card normally for XXXX years. 

In XXXX of XXXX, I paid - in full - the balance on that card. I was moving out of the country, so I put the card in a safe place and stopped using it. 

By XXXX of XXXX, XXXX XXXX had charged that card with some unauthorized service fees ( not found in our contract or any disclosure made to me ). It was a small amount, maybe {$25.00}, but enough for XXXX XXXX to raise my APR to the maximum allowed and charge compounding interest. I became aware of this in early XXXX when I finally got an email notice that my card was " over limit '' - about {$3000.00}. 

I contacted XXXX XXXX and explained the situation. I asked them to remove their original charge and the subsequent interest. They were unwilling to do so, and maintained that I needed to pay " my balance ''. I refused and closed all accounts with them. 

By XXXX, XXXX XXXX marked the account as delinquent. I entered a 6 month contract with a credit repair service company called XXXX  XXXX XXXX, XXXX. They were able to dispute the validity of the charge, and XXXX XXXX ultimately charged off the account as a loss, adding a deragotory mark to my credit report with all three bureaus. I was assured by XXXX  XXXX XXXX that this was a " good outcome '', and didn't challenge it. It affected my credit for years, taking me from the 700s down to about 450. 

-- CURRENT DAY -- Presently, the deragatory mark has been lifted from two of the thre bureaus, but not Experian. Experian acknowledges my account as closed and charged off, but continues marking a delinquent payment every single month. They've indicated that they plan to do this until XXXX. 

Throughout XXXX, I've periodically contacted Experian over the phone, and today signed up for an account on their website so that I could document their refusals. Experian maintains that they're under no obligation to review my dispute, since I've " already disputed '' the information.
I have an address reporting to my Equifax, XXXX and XXXX credit report that is not my address.
SunTrust has committed multiple violations of the mortgage servicing rules in regards to an application for a modification made on behalf of my client. Those violations are described in detail in the attached documents. 

XXXX XXXX, XXXX
I am writing to dispute the following information in my file. I recently received a copy of my Equifax report. The credit repot show inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put inquiries on my file unless I have authorized it.

The FCRA states that the only permissible purpose for pulling credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
I opened an account with M and T bank and used it for a balance transfer. When i finally paid off the balance I called them and asked to make my final payment and close my credit card account. I had never used the card except to transfer a balance and pay it off. I successfully paid my final bill of about 1,000 USD in XX/XX/XXXX. In XX/XX/XXXX I received many calls from M and T bank about having unpaid fees and charges. I told them that I had closed my account and paid the balance so I did not understand how I was still accruing any charges. She explained that there was some sort of final charge and I reluctantly paid the XXXX dollars. Just today, XX/XX/XXXX I received a call from M and T bank alerting me that I had unpaid fees and charges amounting to over 100 . I am still shocked at how, having closed my account, paid a balance as well as some extra fees I am still being hounded and charged by this company. Please help.