WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/ ERC : I was lied to as to the total cost of their services from day one. As their bills continued at a rate above what i had agreed to. I tried to discontinue service. I believe it took between 3 and 4 months for service to be turned off. finally they turned it off after i called and threatened law suit. 
I would like to see any and all agreements that i signed where i agreed to pay them this or or any amount of money. 

XXXX XXXX
the XXXX credit reporting bureau is not responding to repeated requests from to investigate errors on my credit report.some things are time-out and should be removed from my report. and there are many, many companies that I have good credit with that s not being shown on my credit report. and every effort that I have made to write to them to correct these problems has been met with nothing. when they ask for information and I send it to them, I hear nothing and then later they say something that 's just keep me running in circles and that ai n't nothing being done and I do not who to write to about these stalling, stonewalling and delay tactics.i have a lot of companies that I have good credit with and made timely payments to them for years and that 's not on my credit report
XXXX XXXX XXXX in the amount of XXXX. 
This was paid off
There is a fake company alleging that a transfer I made that cleared within seven days from both banks, ( Western Union approved and accepted the transaction after the standard processing time. ) was returned from my bank and that Western Union didnt receive payment for services. The first claim came in my inbox a month later. No formal letter it call, nothing, if there had been an issue.

Now they have been illegally harassing me and attempting to collect from a division of Wester Union that collects debts, but they don't have a consumer collection ID or display the laws for collecting a debt. They've mostly emailed me relentlessly and when I called to tell them to stop they continued, the representative was barely soaking English and began to yell at me, claiming they are real.i think hackers got a hold of my info and are scamming me gir the precise price my transaction was.

The original proceeding information Your tracking number ( MTCN ) is : XXXX Please use this number for any questions about this transaction. 

Date of order : XX/XX/2017 Time of order : XXXX ET Amount sent : {$5000.00} Money transfer fee : {$5.00} Total amount : {$5000.00} Transaction type : Bank Account This is the email with phony none Western Union information : Western Union is providing the following details to validate the legitimacy of the money transfer services provided to you through westernunion.com. We received a claim from your bank after the money had already been paid out to the receiving party, as a result, Western Union is unpaid for its service to you MTCN Transaction Date Sender Receiver Return Amount XXXX XX/XX/2017 XXXX XXXX XXXX XXXX {$5000.00} Please contact Western Union Financial Services to set up a payment as soon as possible. Our payment option includes : Over-the-phone  Payment You may call XXXX XXXX and process a payment using your bank account, debit or credit card. Please note that if you use your credit card, your card issuer might consider this a cash advance transaction and you may be charged a fee for this. 



Western Union Quick Collect Service At no additional charge, take cash to any Western Union agent and request they send the funds via Quick Collect service.

Payable To : XXXX XXXX XXXX  XXXX  Code City and State : XXXX XXXX  Account Number : XXXX Attention to : XXXX XXXX Mail Payment You may also pay by check or money order. Please write the case number on your check or money order, make the Check or money order payable to Western Union Financial Services , Inc., and mail it to : Western Union Financial Services , Inc . 
XXXX, XXXX, OH XXXX If you have any questions or if you feel you have received this communication in error, please reply to this email or call us at XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX. Mountain time ). 

Sincerely, Western Union Financial Services , Inc . 
Phone Number : XXXX Fax : XXXX Email : XXXX This is an attempt to collect a debt and any information received may use for that purpose.

I am so tired of tired of the harassment and disregard to consumer laws.
Disputed account, several times this year, for XXXX withExperian Credit reporting bureau requesting removal of account - 7 year statute of limitations has expired, received response XXXX/XXXX/2016 - no change.
On XXXX XXXX, I logged into to my account with XXXX XXXX and noticed that my score had dropped significantly. When I clicked on the factor it showed that there had been an account turned in to collections. The said account was for a pay day loan from a company called XXXX XXXX XXXX, and was turned over to Midwest Recovery Solutions, who had turned the account over to collections. I have never heard of XXXX XXXX XXXX and do not have pay day loans. I have received no written correspondence of any kind from either company. The first I 've heard of both companies was when I saw their names on my credit report. I have filed a direct dispute with them through XXXX XXXX, but I felt that I should also file a complaint.
Chase has caused a number of delays getting the repairs to my home complete. Because of this I have damage to items that are not covered by insurance that would not have been damaged had Chase not caused so many delays. I have sent emails to Chase about this since XXXX and more recently XXXX XXXX. I have asked the executive office to reply to my request on how they plan on handling the items damaged. I know this is my third complaint against Chase but the only way I get any replay is though the complaints I email the executive office every other day and have been about these latest issues but as of today XXXX XXXX still no reply or call from Chase about my problems. 
On XXXX XXXX the legal department finally noted in my file with Chase that the checks can now be issued to myself and contractor and not the estate of XXXX XXXX. I have told Chase that from day one - by them issuing checks in the estate of caused more delays. Chase issued check directly my contractor and I never gave them permission to do so, I only gave them permission to issue the check to my roofer direct because it was urgent to get the roof on. - Why did it take from XXXX XXXX to XXXX XXXX to realize Texas law and to follow Texas law -why did I have to suffer that long and have more damage to my property and personal property because Chase did not know the Texas laws. If they operate in Texas they should know the law and not learn it at customers expense. 

I need to know the following things - I have emailed Chase over 10 times these same questions and have not had one phone call as of today about it or an email reply. 

1 - Exactly what do I need to do do get the rest of the money for repairs- I was told I need to order an inspection at 75 % and then funds would be released after the inspection - is that all I need to do? 

2 -When my current contractor is done what exactly is the next step? 

3 -And what does Chase plan on doing about the items that were damaged by water and mold that are not covered under the policy - the items that were damaged while Chase lost my husbands death certificate and took over a month to send funds to get the repairs started the damaged items caused by Chases negligence not mine!! 

4- Why now on XXXX XXXX is it noted in my file that payments do not have to be in the estate of? 

5- Why did Chase issue Checks only to the contractor when I did not give permission to do so. 

6- In the future when I have questions how long can I expect to get a reply from my executive office contact person - XXXX is my contact but she goes weeks without contacted me about problems and concerns that I have.
I contact XXXX XXXX and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and XXXX XXXX & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report XXXX/XXXX XX/XX/2017
I initiated a Deed In Lieu foreclosure in or around XXXX XXXX. As per guidelines, I listed the house for sale for a period of more than 6 months. At the time, we were not given an offer. In or around XXXX XXXX, we proceeded with Deed In Lieu paperwork. As time went on, I would receive letters that required notarized signatures. Around XXXX XXXX, during a routine call, I asked the Loan specialist when would the final judgment be declared. She said all paperwork and final cancellation of loan should occur around the end of XXXX XXXX to the beginning of XXXX XXXX. In XXXX XXXX, I called and asked for a status on the loan. She informed me the paperwork was " at the clerk of court for XXXX county ( parish ) awaiting title clearance for house. '' For four months, I called every other week and received the same response. 
On XXXX XXXX, XXXX, I spoke with loan specialist supervisor. He explained about a problem shellpoint had with the third party law firm that was contracted to finalize the paperwork. I was told that the law firm sent the paperwork and a check to pay off all outstanding taxes to the clerk of court and that it was {$25.00} short. The clerk sent all paperwork back to the law firm. During this time, that law firm closed down. A new law firm was contracted and was attempting to find all lost paperwork from original firm for more than 2 months. At that time, he said he would start new paperwork that would have to be resigned and notarized again. If old paperwork was not found, the new paperwork would take an additional 2 months to get finalized. I asked if, after all paperwork was completed, that my credit would reflect any past due amounts ending in or around XXXX XXXX due to the fact that the error and delay were on the part of Shell points vendor and not because of myself or my wife, the cosigner. He said he would call me back after paperwork was completed and speak about it. 
By XXXX XXXX, I received word that the Deed In Lieu was approved and finalized and would reflect on my credit file within 30-60 days. I asked about showing past due payments only to XXXX XXXX and was told they would look into it. 
Around the end of XXXX I received notice of a credit change on file. I saw XXXX and others showed past due payments to XXXX XXXX. I have since tried to call the loan specialist and supervisor and left several voicemails with no answer back.
I have a collection account from XXXX XXXX XXXX XXXX on all three of my credit reports in the amount of {$17000.00}. XXXX XXXX XXXX XXXX is failing to properly validate this debt. I originally disputed the account thru XXXX XXXX XXXX and the collection agency sent me a letter on XX/XX/XXXX saying they closed the investigation and attached a credit card statement, which ( in their words ) established its validity. On XX/XX/XXXX I once sent a certified letter of validation and asked they provide me with the contract bearing my signature from the original creditor that i have a legal obligation to pay them. I also asked what method of verification they gave the credit bureaus regarding the accuracy of the account.. On XX/XX/XXXX they once again sent me a letter stating they have completed their investigation of my dispute, attached credit card statements which ( in their words ) established its validity. They sent me the same letter on XX/XX/XXXX with same credit card statements. On XX/XX/XXXX they sent a letter that they have reviewed my dispute and their records indicate they have already responded to a previous dispute that is the same as my present dispute and because of my dispute alleges no new facts an includes no new information they will not be conducting another investigation if they receive subsequent correspondence from me regarding a dispute that has already been resolved. Their office considers this matter closed.
We are now in our 2nd year and our 2nd attempt of trying to get a loan modification, Chase our mortgage holder has done everything possible in putting obstacles to getting it done, Including fraud and out right LYING
I saw my credit bureau and saw negative credit reporting by SWC reference #  XXXX . I calle d SWC SouthWest Credi  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX XXXX  Phone #  XXXX  and asked the agent for legal proof of notifying me of the collections but he did not provide any cerified mail proof of any notification sent to me about this account or collections.   I will report  XXXX  and  SWC  for illegal credit reporting practices and also to the BBB I calle d SWC today dema nding for proof of notification, the agent was very dismissive and put me on a long hold when asked to speak to his Supervisor Please have  XXXX   XXXX  and SWC Remove my account from collections as I had no knowledge of this collection item until I saw a negative credit reporting on my credit bureau accounts on  XXXX  Sincerely,  XXXX
I have XXXX judgments against me which were both paid in XX/XX/2016. XXXX and XXXX. I am unable to get this information, along with the XXXX account showing pd, off of my credit report, and it is still affecting my score.
I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from XXXX XXXX EXPERIAN have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.
RE ; CHASE HOME FINANCE - LOAN # XXXX This is my last and final attempt to get help avoid foreclosure. It is now over 3 years since i requested for Chase to help me avoid foreclosure under a HAFA Short Sale. After XXXX different realtors working on my request, Chase keeps playing games stating that i need to hire a new realtor in order for them to review my account for a HAFA Short Sale. 

Now this is the XXXX realtor that i hired, an application was provided again for the 8th time. Chase now is telling me that my application was received since XX/XX/XXXX however the processor ( XXXX XXXX - XXXX ext XXXX ) who is reviewing the file is out on vacation since XX/XX/XXXX and they dont know when is he returning from vacation. 

Im not sure if thats a reasonable answer but this is ridiculous that after 3 years trying to get this HAFA Short Sale approved. Chase keeps getting away with this excuses. 
please help since i feel that Chase is just purposely delaying my application so the program can expire and foreclose on my home. 


XXXX XXXX
We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My   XXXX   score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with   XXXX   who has NOT updated the other  XXXX  bureau s! NOTE on each complaint filed Trans Union WAS included as was  XXXX !!!!
Paid off Student Loans through  2  separate electronic payments one for Education Loans and  one  for Private loans. Navient provided me both payment addresses to send my check to. Well they received the check and processed them all on my  Education  loans. Now they are saying that it is my fault because I sent the checks to the wrong addresses. They say it will ta ke 4-6 weeks to refund one of the checks and re allocate to the correct loan. This was 60 days ago. They are now reporting that my  loans are 60 days past due to the credit bureau which has brought my score down by  XXXX  points and still calling me on a daily basis asking for a payment. They told me until the payment is processed correctly my loans are past due and they ca n't remove it from my credit on their end. Paying off my student loans should have made my score go up and should be celebrated, but it 's been a nightmare dealing with Navient. I am thinking about taking legal action.They are fraudulent and criminal.
I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise.. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  ( account showing duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
PNC Mortgage has been sending every month me a bills for payment on mortgage which I allegedly own them. I have never contracted with PNC Mortgage neither with PNC Bank. I have never been notified that PNC Mortgage or PNC Bank is my creditor or servicer. Neither of this XXXX entities are in my property chain of title. As of this date they continued to contact me at home and demanding to pay this debt and pursue foreclosure. On XXXX XXXX, 2016 I sent a letter pursuant to FDCPA 1692 ( g ) Sec 809 ( b ). PNC Mortgage failed to validate the debt and failed to delete or remove derogatory information from my credit files. PNC Mortgage failed to provide me with evidence of Illinois license to collect a debt in this state, and the license number. PNC Mortgage has been reporting invalidated information to XXXX Credit Bureaus as they were a creditor though they know they are not. PNC Mortgage failed to mark as disputed item in credit report.
XXXX : EQUIFAX : XXXX The XXXX is going on. Ive contacted you guys time and time again since XX/XX/2017. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX   6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
I volunteered XXXX for my sister. She was going XXXX at XXXX. The XXXX there coordinated for me to undergo XXXX at XXXX XXXX for the XXXX. Upon arrival and registration, the admissions and registration personnel refused to acknowledge my orders from the XXXX office at XXXX to bill them and they in turn would bill XXXX and my sister 's insurance for all XXXX. XXXX then billed me for XXXX and the '' reading '' of results. I sent them copies of my documents from the XXXX XXXX XXXX AND XXXX. They then turned the matter over to AFNI for collections. I again submitted all documents concerning who should be receiving the bills to AFNI for removal from collections and off my credit report. This was over 3 years ago. The items are still on my credit report from 5 years ago.
This complaint is in reference to case XXXX. Wells Fargo representative XXXX XXXX has been in contact with us via US Postal service asking for more time to address our concerns. He contacted us via U.S. Postal service twice. XXXX letter dated XXXX XXXX which we received on XXXX, and the second letter dated XXXX XXXX also received on XXXX. It asks for our patients while they research. We have no problem with an additional 60 days for answers to our concerns. Wells Fargo attorney, XXXX attorney XXXX XXXX has changed our foreclosure hearing to XXXX XXXX. 
We are requesting additional time to review Wells Fargo 's research. We require additional time from the requested time line Wells Fargo has requested to sign documents we do not understand.
Was denied on information from XXXX XXXX on XX/XX/XXXX. Information was sent to XXXX XXXX on XX/XX/XXXX. 

Calls for answers, credit report requests, and specific reasoning for given score ( XXXX ) have gone unansweredrobocall recommends leaving messages ( left two separate messages ). Far below and out of line with all other credit scores from independent providers. 

Intentionally opaque and against multiple aspects of the FCRA, including : Access to my Report Protected access to entitled parties Knowing when my Report is used against me
The " gentleman '' called my employer and told the receptionist I am over XXXX days late on my debt and said I was " being so very irresponsible '' When I finally got on the phone with him I told him I was at work and he responded with " Well you are irresponsible and you do n't take care of your bills '' He was so very disrespectful and I will make sure to contact a lawyer to see what my options are. 

I am battling a death of a parent, a XXXX, XXXX kids, and I got XXXX days behind on a payment because I had to deal with unexpected expenses from an unexpected death. I had planned on paying the following day on my payday. LIFE SOMETIMES HAPPENS.
As you already know, Equifax was part of a credit breach of millions of Americans. My whole family was affected. It costs {$7.00} to put a freeze on our credit. That amounts to almost {$70.00} to freeze credit for our household. They told me I had to contact my attorney general in my state about this. I think Tennessee should be wavering this dollar amount because so many Tennesseans are affected.