WillisBack/dataset-financial-user-claim huggingface dataset:
I buy products on line mainly from XXXX, one and only form of payments, vendors accept is through western union. The way it works, i transfer money, western union gives me MTCN number and i provide that number to potential vendors to collect payment and ship out my order. This cause a tremendous frustration, western union put transaction on hold / under review for many many days, without even notifying me. They charge full transactio fee, i provided all kind of ID ( copy of my drivers license, passport ) everytime, still under review. Calling customer support, they put on ever lasting holds. All i want to let transaction go in timely manner provided i paid all the fees and provided all kind of documentation, they asked. This cause financial set back to me. Can you please help me regarding this matter. My email is " XXXXXXXXXXXX " contact number XXXX. Thanks. Looking forward to resolve this matter. I understand, western union has to follow certain guidelines, but i provided all requested information and each time over and over again, they asked the same information.
A recent adjustment was made on my account and Bank of America removed {$.00} from my account that I had overpaid on my statement. Contacted customer service and was told a check was mailed to the address of record on XXXX XXXX, 2017.  Informed the representative that I had not received the check. He informed me he would do a stop payment on the check and they would reissue. Asked him to supply me with the check number and date of the check to prove to me that a check was issued. He said he could not provide me with that information. He nor his supervisor could not explain why Bank of America did the adjustment or where the funds went. This adjustment has happened to me in the past and I was told this was a system error and the problem was corrected. If the problem was corrected why did the adjustment happen again.?
Since XX/XX/XXXX I have had a mortgage loan with Bank of America. On or around XX/XX/XXXX I contacted the bank to request a lower interest rate and the bank indicated that my only option would be to refinance. I submitted my application at that time with the bank 's offer to reduce my APR from 4.785 % to 2.785 % and our monthly payment from {$770.00} to {$580.00}, however, after more than two months of requesting an excessive amount of documents, XXXX different loan officers, and a {$470.00} application fee, the bank decided to close my application because of " Excessive obligations in relation to income '' and I was told that I would need to start all over if I wanted to apply again. The refinancing was based on my income alone, same as the original loan, however, my wife worked and continues working full time as a teacher, nearly doubling our household income, both of us have excellent credit and have not missed any payments.
My loan was paid off and the same month it was there is a late payment listed which I was not late. Please remove this false remark ASAP
I am currently in the Income Based Repayment Plan and have been for several years. At the start of XX/XX/XXXX, my loan was serviced through XXXX. I recertified my Income Based Repayment application and was approved for a reduced payment of {$460.00} ( rounded ) in XX/XX/XXXX. My loan was transfered to XXXX later in XX/XX/XXXX. The first couple of payments came out of my account at the regular amount. Suddenly, starting in XX/XX/XXXX they increased to {$630.00}. I called to ask why and was told that there was an issue with transferring the paperwork, but they would work on sorting it out. I was advised to continue to make my payment at the higher amount to avoid delinquency. Come XX/XX/XXXX, it was still not resolved and I called again before the payment came out to check into the issue. Was told again that there were issues with the transfer and they were working on it. When it was resolved, I could request a refund for the overage that was withdrawn. XX/XX/XXXX, my payment has now increased to {$690.00}. When I called again to get a resolution, I was told that my IBR was not transferred and that is what the XXXX   had calculated my payment to be. I had already submitted a recertification in an attempt to facilitate a more rapid resolution and my new adjusted payment as calculated by XXXX was still signficiantly lower than the now {$690.00} I am being asked to pay. I have been very patient and have attempted to work with them, however at this point I am incredibly frustrated. I have paid more than {$560.00} over my calculated payment amount. The last rep informed me that no refund is due to me and that this is just where I am. Also since moving from XXXX, XXXX has told me that my prior payments to XXXX are not included towards my PSLF even though I have paid through XXXX 's auto deduction program my monthly payment consistently ever since starting the program. I asked for XXXX to please review my request for a second review and was told it would take 90 days. 90 days exhausted mid XX/XX/XXXX and I have not heard any response from them at this point. ( The attached documents were what I submitted for the IBR in XX/XX/XXXX )
Equifax credit dispute XXXX XXXX, XXXX We attempted online dispute and was timed out. 2 attempt answered wrong security question and was blocked and could not access with several attempts. 

Unable to correct erroneous information, but their system or employee took this as completed which it was n't. We did n't submit or check any boxes to submit or be mailed to anyone. We would not do this online. 

A week later, received email from Equifax re : dispute status, dates and confirmation numbers. 

Top line with confirmation number, Status completed, dispute date XXXX/XXXX/XXXX completion date XXXX/XXXX/XXXX Results : MAILED! though date is XXXX. ( We preprinted the erroneous report. ) We did not authorize this for anything to be mailed! 
We called them right away to ask what and to whom it was mailed. They mailed it to the wrong address. The identity thief 's address and said it was a fraud alert only. GREAT. 
How stupid is that? What kind of company does this? Shame on you. We should go to the national news and local TV stations. I filed a complaint with the Georgia AG and BBB. We are telling everyone what EQUI FAX did.  Banks and businesses to stay away from you.
TD Bank denied renewal of my home equity loan solely on the basis of age discrimination. This was not caused merely by poor customer service or incompetence, because no business can survive operating like that. 
Instead, from the start they were determined to undermine my income by repeatedly losing documents ( XXXX, XXXX. proof of consistent bank deposits, etc. ) I mailed and faxed those papers to them at least three times. Then they mysteriously disappeared. They then based my income solely on Social Security. I submitted proof of over $ XXXX, but they kept losing the paperwork. 
When informed of their decision I was not " credit worthy '', they also said I had numerous delinquencies. I immediately got a copy of my credit report that repeated XXXX words -- never late. They also claimed that an anonymous third party ( other than a credit bureau or appraisal company ) gave them extra ammunition to judge me an undesirable client. I have asked for that information several times, but TD Bank refuses to divulge their source. Are n't they required to do so under Federal law? 
It is truly a case of blatant age discrimination, because they believe they can scare and intimidate people over XXXX. Not so!
I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it. Various inquiries were made in my name and asked to be removed because they were made in my name under false pretenses : XXXX XXXX ( XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX/ ; XX/XX/XXXX ) XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ; XXXX - XX/XX/XXXXNot mine and should be deleted. Name I contacted Equifax about this via email and over the phone months ago. Equifax continues to simply say its been verified. I then mailed hard copies of my ID Theft report along with my police report copies, and even ID theft report and ALL required documents such as my Social security card info, passport, utility bill copy and drivers license. Equifax continues to either ignore or stall my request. XXXX  and XXXX  looked at the same info that was sent and removed the unlawful reporting status on my reports. Equifax has not done anything but ignore my request. It does not take months to investigate disputes when i have sent all necessary documents in.
This is for my XXXX XXXX XXXX ending in # XXXX. 

In order to business with XXXX factories from the USA ... the only payment method is Credit Card I had a {$4000.00} balance on my cc with a $ XXXX line of credit. 

I borrowed approx. {$2500.00} as a cash advance from XXXX. The next day I paid back {$5000.00} in cash to XXXX ... double what I borrowed. 

The cc company applied the $ XXXX I sent in to pay back my other cc balance, paid less than half of the cash advance balance ... and charged me ( and are still charging me ) the huge interest rate for the cash advance ... even though I paid back actually more than twice what I borrowed. 

This is fraud.
Navient, steered me toward multiple forbearances ( hardship, Unemployment ) instead of income-driven repayment plans, and provided unclear information. I was also informed that all would count towards status of my loans counted towards the PSFl.
XXXX XXXX XXXX Closed : XX/XX/XXXX {$8500.00} XXXX - XXXX Closed : XX/XX/XXXX {$5900.00} police report # XXXX
I had an active open account with capital one bank and they closed the account without any notice or even speaking to me on the phone at the current time and date that I called to request for explanation. ( see attached letter sent to Capital One Bank ). 
According to the Equal Credit Opportunity Act, creditors can close an account for delinquency, inactivity or default with no notice whatsoever. There was NOT any of this on my master card account. 
My purpose of this compliant is how badly as a customer I was treated from capital one bank representatives and they lack to take responsibility for their bad customer service. 

Please see attached documents for details.
There is a problem in the way TransUnion is reporting my credit scores, which is causing me problems when trying to obtain credit. In comparing all XXXX of my credit reports, the credit history between all XXXX credit reporting agencies is consistent, but TransUnion is reporting my credit score very low. For example, both TransUnion and XXXX use the XXXX Score XXXX model, both agencies have pretty much identical credit history, yet XXXX has my credit score listed at XXXX and TransUnion has it listed as XXXX. This is causing me issues in obtaining a refinance of my house, higher interest rates etc. I fully understand that each credit reporting agency has it 's own method of generating credit scores, but there is something fundamentally wrong when the scores are this much off between the other XXXX agencies. I have attached a document showing the disparity between my TransUnion and XXXX credit scores.
The basis for my dispute is Capital One '' XXXX was required to notify me prior to XXXX, or no later than XXXX days after The basis for my dispute is " Capital One '' Capital Onewas required to notify me prior to XXXX, or no later than XXXX days after furnishing the negative information to credit bureau reports, in writing ... under such section 623,  subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPA. 

Also, Capital One failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC , and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Capital One is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under TDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )
I was scammed from XXXX purchases made from XXXX using my Discover Card. Temporary credit was issued on XXXX XXXX, 2015. It allowed only 45 days for the merchant to reply, if not the case would end up in my favor. Discover Card reverted the credit PAST the 45 days on XXXX XXXX, 2015. I would like my credit back.
Well basically, I have 6 hard inquiries on Equifax which 2 of them I know about but then the 4 that I don't know showed up on my credit report. I didn't try to open any new credit cards that they mentioned so that there is false -INQUIRIES DETAILS- the 4 false credit card is XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX ^ XXXX XXXX XXXX , XXXX Again inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX Plus I have 1 Derogatory mark Collections- which I never opened an account with them its called XXXX XXXX XXXX for the amount of $ XXXX original Creditor : XXXX which was open on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - And on XXXX, I have 4 hard inquiries which are -XXXX/XXXX- inquiry from XX/XX/XXXX -Institution Information- XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX Information- XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX -Institution Information- XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX -Institution Information- XXXX XXXX  XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
XXXX XXXX should not be on there. This has been going on for 10 years, I have asked before to take it off three times. Please take it off, which I was told it would be every time I report it.
I have contacted discover about fraud account opened in my name. They did not get back with me and refused to do anything about the account.
My debt to income ratio is grossly incorrect. Most of the debt is mortgage debt and does n't account for rental income. With rental income included, my debt to income ratio should improve dramatically.
USAA closed a brokerage account and mailed me a refund check. The check they sent to me was deposited in my bank account. The check was subsequently returned as 'Refer to Maker '.

XXXX  states the check was indeed returned.

USAA states the check was paid and will not do anything to help me recover these funds.

USAA mailed me a check for {$26.00} and the check was returned unpaid by USAA.
We received a notice of foreclosure from XXXX in XXXX. We attempted to modify the mortgage and have correspondence noting that due to health issues and the disrepair of the property we could not maintain the current mortgage. We hired an attorney to complete Deed in Lieu which required that we put the property up for sale. Followed all directions. No offer. Contacted XXXX to complete deed in lieu, informed that representative could not speak to us. Notified XXXX we could not keep property at current payment. Moved in XXXX XXXX. House in foreclosure. Received notice that Bayview was now mortgage company ( servicer? ) They began sending mortgage statements and asking if we wanted to remain in home. We again made it clear we can not afford current rate and asked about the deed in lieu in which we paid an attorney to handle sale of property. Bayview said all we needed to do was sign a document verifying deed in lieu. Received instead request for new information. Bayview 's correspondence and telephone messgages indicate that they are a debt collector ; however, they have incurred two additional years of debt on a property we have repeatedly told them we can not afford. XXXX sold a mortgage for a foreclosed property with the intent of accumulating additional debt on a property that had already been foreclosed upon. I have XXXX XXXX. My husband has XXXX XXXX. We are unable to afford the cost of emptying out the property. Yet we continue to receive mortgage statements for a property we did everything to avoid foreclosure upon, to no avail.
I attempted to use PayPal to make a {$3500.00} from a credit card. Despite the fact that my credit card was listed as the payment method, the summary following the transaction stated that the payment would be drawn from my checking account. When I contacted PayPal, I spoke to a representative who explained I would need to contact the vendor or my bank to request a refund or stop payment, respectively. I explained that I would be responsible for an additional fee if I pursued either of those actions. The representative told me that PayPal was still in the process of contacting my bank. I asked that since payment had not actually been processed, that PayPal put a hold or cancellation on my payment so that I could correct which account was being used. She stated she was unable to assist me. I then asked to speak to a supervisor. After a significant amount of time on hold, I spoke to a supervisor named XXXX who was also unwilling to make any corrective actions. I asked to speak to his supervisor at this point. When he asked why, I told him that this is a consumer fairness issue. He again asked me why, and I reiterated the same response. He then told me " We will be happy to keep telling you the same information, '' and placed me on hold again. I then waited on hold for over 25 minutes before hanging up without speaking to a senior supervisor.
XXXX has called several people who should not have been contacted regarding any of my information on numerous occassions.
Purchased our vehicle and it was financed through XXXX XXXX All was well until we moved and received a notice that our insurance was reported canceled by the state of California. We contacted our insurance company and had them send over the current insurance, proving that there was no lapse in coverage. A couple of weeks later we receive a second notice of the same thing. We again contacted our insurance company and had proof of insurance sent over. Meanwhile, XXXX has added their own insurance to our bill and because we pay the same amount every month that does not include the insurance we do n't need, they are now threatening to report a delinquency to the credit bureau. We have had our insurance company send the proof of insurance a third time, but we are being told that it takes 10 days to process and will be past the 30 day mark so it will be reported to the credit agencies.
At approximately XXXX EDT on Friday, XXXX XXXX 2015, I placed a call to Citigroup ( at telephone number XXXX - hereinafter the " XXXX number '' ) in regards to a closed account. I was instructed that the people available on that line were not able to help me, but that I should call another department within Citigroup at telephone number XXXX ( the " XXXX number '' ). 

At approximately XXXX EDT on that same day, I followed the recommendation of the Citigroup employee, and placed a telephone call to the XXXX number. When an unnamed representative answered this call, she answered the call as " XXXX XXXX XXXX XXXX. '' As I had been led to believe that the XXXX number was another office within Citigroup, I was confused, and asked for clarification. 

After being assured that yes, I was in fact speaking with a representative of Citigroup, I proceeded to divulge personal details - including, but not limited to my name, address, and social security number ( or a portion thereof ). 

After divulging this information, I was informed that the telephone call to the XXXX number constituted an attempt to collect a debt, and that I was not, in fact, speaking with someone who had any connection to Citigroup. I was further told that XXXX XXXX XXXX XXXX is in no way affiliated with Citigroup, even though this directly contradicted the information provided immediately earlier by agents and/or employees of both Citigroup and XXXX XXXX XXXX XXXX. 

I believe that during the call to the XXXX number, an agent or employee of Citigroup did engage in unfair, deceptive, and abusive acts and practices, in violation of the Dodd-Frank Act. 

I also believe that their actions may have violated the Fair Debt Collection Practices Act, as follows:1. Violation of 15 U.S.C. 1692 ( e ), Paragraph 10 - " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; '' 2. Violation of 15 U.S.C. 1692 ( e ), Paragraph 14 - " The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

The Citigroup employee either knew or should have known that the XXXX number was not, in fact, another department within Citigroup, and certainly should not have represented that it was. I believe that this unfair and deceptive act may have been sanctioned by Citigroup, pursuant to a forward flow agreement with XXXX XXXX XXXX XXXX, who periodically purchase defaulted consumer credit accounts from Citigroup.