WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I contacted a XXXX  post for 4 XXXX Game Basketball tickets. The contact had a phone and name associated to his XXXX  post, so I texted him at the given number. After texting back and forth and getting on a call with XXXX ( his name ), He asked me to send the money, {$2000.00}, through my XXXX  XXXX XXXX XXXX account. I sent this money while we were still on the phone, and he was going to e-mail me the tickets. When he received the money he said that he was losing service and would call me back. When he did not call back within a few minutes, I tried dialing him back, and the number had been disconnected. I never heard from him again and never received my tickets. Based on the account information he gave me, the XXXX transfer sent the funds to his CitiBank account. I called XXXX XXXX XXXX ( my bank account ) right away to cancel the pending funds, but they only advised that I open a claim. The claim came back as unable to retrieve funds, so I am opening this ticket.
A garnishment was initiated for an unspecified debt. I never have received a notice to court to dispute or arrange payment. I have never received any phone call or message from the debt collector to discuss this with me in any way. The paper work I receive comes to me XXXX week after each wage garnishment is initiated, and contains no notary seal. They send a letter to my employer and tell him to begin taking money, and only after the XXXX deduction, I receive a letter telling me they are deducting money. I have looked at the paperwork my employer received and there is no notary seal or court seal. I have never received a court document of any kind saying that this was going to court in the XXXX place, but the letters I receive and the letters sent to my employer, say this has already went to court and I lost the case? My employer wage garnishment letter has no court seal or notary seal on it either. How do i know this is legit? The letters my employer received do n't even include his last name or title on the paperwork. These papers could have been printed off of any home computer by anyone, as there is no official raised stamp or raised seal of any kind on anything. The only debt I can think of is an unpaid medical loan almost XXXX years ago. This company started sending these letters to my employer to garnish my wages for " a debt '' never saying what debt about XXXX years ago. The attached copies of the form letters are the most recent I received ... and that was XXXX week after the deduction was made from my paychecks.
My mortgage loan was transferred to Amerihome Mortgage LLC ( loan servicer ) immediately after closing with XXXX XXXX in XX/XX/2018. The first payment check for {$2600.00} dated XX/XX/XXXX18 was mailed to the above servicing company on XX/XX/XXXX18. The check was debited in my checking accounting with XXXX Bank on XX/XX/XXXX.18. On XX/XX/XXXX18, I viewed my mortgage account with Amerihome online and found that no payment had been credited to my loan account. I communicated ( attached " Communication XX/XX/XXXX '' ) with the loan servicer on XX/XX/XXXX18 and provided the copy of paid check ( see attached file " cashed check '' ). I was told that my complaint has been sent to Cash Dept. for research and I will be informed within 3 business days. However, I did not get any response. I communicated ( attached " Communication XX/XX/XXXX '' ) with the loan servicer once again on XXXX18 and was again informed that they have not heard from Research Dept. and will inform me once they get the information. No information was received and I contacted the loan servicer again on XX/XX/XXXX18 ( attached " communication XX/XX/XXXX ' ) but no results of research were available. I requested for signing of affidavit for non-receipt of cashed check required by my Bank to claim the payment from paying Bank and sent the affidavit for signature on XX/XX/XXXX ( attached " Affidavit XX/XX/XXXX '' ). 
Till date I have not heard anything from the loan servicer. The signed affidavit is need by my Bank immediately to claim the payment from the paying bank.
Overdraft fees were computer manipulated over the holiday week of XXXX and new years. All the money was in my account to cover all with drawals. Some transaction did not show for a week. With ease money was switched from my account to citizens bank. Simply Bank fraud and manipulation. I have been overseeing the manipulation for 40 plus years. I appreciate your agency help me return my hard earned money.
Hello I'm the payee for my daughter who receives SSI to Direct Express every month on the debt card. On XX/XX/XXXX at XXXX an amount of {$810.00} was places on my card as soon as the money hit XXXX was transferred from my account to XXXX XXXX in NV and my card was canceled with no explanation. I live in CA and have no transportation to even travel that far let alone cancel my card that isnt expired till XXXX. Direct express says I made the authorization, lost my card or gave it to someone but a new card will be sent with the remaining balance of {$8.00}. I still have my card never lost it or gave my information over the phone or to anyone. I please need help the funds are to help pay rent and provide for my household. When I try calling the phone hangs up and no resolution. I did file fraud but I feel I need more gelp in my corner its completely obvious this was a fraud situation from doing research online XXXX XXXX does this to the CX and nothing gets done. Please please for the CX can you stop the employees from doing this to other SS recipients
My husband and I reach out to our servicer when we received a notice of garnishment in the XX/XX/XXXX. We ask for a temporary forbearance and to pay interest only payments until the garnishment was completed. We were immediately denied a special forbearance, and was encourage to apply for a loan modification. Since XX/XX/XXXX we had apply & denied XXXX times and requested an appeal on the last then was denied on appeal. The reason for denied make no sense. The XXXX denial was because we did not make enough income then the XXXX time we made too much. The XXXX time we was told that our expenses were within program guideline and was restated in the appeal process. At every point of communication the representative or the negotiator would encourage us to perform short sale. We did our research and ask for a Harp option and was told we do n't quality for this program. We find out later that this servicer does not participate in the harp program. We believe that the servicer along with the investor have not intention on helping us reinstate our loan. Example at every point of contact, the servicer has stated that the order to dismiss the foreclosure was sent to the lender 's attorney on XX/XX/XXXX. The lender 's attorney has denied receiving a notice at the XXXX 's hearing to dismiss the foreclosure. When we asked the attorney if he contacted ASC or the contact the negotiator with the information we filed in court records ; he stated no. We believe that the servicer agreement with the investor entitle the servicer to retain all late fees and fee require to mitigate the investor 's loss. We believe part of the fees that the servicer retains is link to the XXXX failed loan modification. If the servicer receives any compensation from the government for processing the loan modifications then it may be a conflict of interest. Base on our failed attempts, we believe the servicer and investor had misrepresented their intents and have conspired to abuse the government home retention program as well as mortgage insurance program. We ask CFPB to step and investigate first if the servicer acted in good faith and to see if they have a similar pattern with other failed loans. Time is at an essence, we go back to court this month to determine if the lender with be granted a judgment. Do to the servicer willingness to help us before we defaulted, our credit is bad and we will be unable to get a new loan. Our goal is to keep our home. Please step in.
This debt was settled and paid to National Commercial ServicesXXXX XXXX a XXXX XXXX on XXXX XXXX. Creditor agree to update my credit profile and as of yet it as not been updated. Still showing a Derogatory make on my XXXX XXXX  credit report.
I received a call on my private telephone number for XXXX XXXX, who is my cousin. I am on the do not call list. At no point in time has he ever used my telephone number.
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX-XX/XX/XXXX Exeter Fin XX/XX/XXXX and XX/XX/XXXX
I have made several attempts to remove this debt from my credit profile this a misrepresentation of my character. I have no business dealings with this company. I have disputed this information with all XXXX bureaus Experian is the only XXXX holding on to this debt without providing proper reason for verification. I 've seen no proof none whatever other than a dunning letter for collection purposes. I also received letter asking for additional information to dispute this information. I realize that Experian is notorious for stall tactics, but this is simply unacceptable to me. This is why consumers have laws such as fair debt collections practice act and fair credit reporting act to protect the consumer from this type of abuse. Another observation made to add injury to insult the same debt is reporting twice with different amounts which is a direct violation of these acts put in place to protect me. I am outraged at this theses violations to collector and Experian please help me resolve this matter.
I became XXXX unable to make the full amount of my mortgage payment ton XXXX I was not assisted with any loss mitigation application.The mortgage went into foreclosure XX/XX/XXXX. The attorney said, I was served a Notice of Foreclosure Intervention. I was not severed a notice. I applied for a short sale and sent all requested information. I was not denied or accepted. The mortgage was sold while in the process of evaluation for the short sale. The mortgage was brought on XX/XX/XXXX by Caliber Homes as server XXXX as owner. They failed to assist me with a loss mitigation program until XX/XX/XXXX when the mortgage went into final foreclosure. Now they have added {$9000.00} in interest {$45000.00} in attorney 's fees to total {$250000.00}. They want me to pay that as a loss mitigation. I know I am unable to qualify for this loan. The Judge have approved these figures. I have until XX/XX/XXXX to pay.
Bank of America reports a debt that was discharged in Bankruptcy as having a balance, as being charged-off, and as being past due. 

Various courts have held that reporting a discharged debt as a charge off is advantageous to the bank because it can keep the debt on its books and makes the overall portfolio more valuable.
A collection agency has opened an account on me for {$480.00}, this is in regards to equipment that has been returned to  XXXX   XXXX   XXXX  through the   XXXX   XXXX   by me. I followed the instructions to return the equipment and it was received by  XXXX   XXXX   XXXX . I owe nothing to  XXXX   XXXX   XXXX  and request that the account be closed and wiped from my credit files that it is being reported to currently.
On XX/XX/XXXX I went to the Capital one branch located by XXXX XXXX New York, to place an international wire transfer to pay for my wedding venue in XXXX the amount was {$2100.00} USD plus a {$40.00} Capital one I was told the receiving bank will charge $ XXXXUSD and the wire should be done in 24 hours I was never advised how much the beneficiary bank will receive in local currency, after 5 days I saw no funds were release from my account unable to get help over the phone I had to go to the branch and after multiple follow up finally on XX/XX/XXXX the funds were released however the money was never paid today is XX/XX/XXXX and the money is still not paid per Capital one the intermediary bank XXXX XXXX needs to find out where is the money and they seem unreachable on XX/XX/XXXX I was told that XXXX was involved and asking if the venue I 'm paying the money is affiliated with another company of similiar name which I already confirmed is not and still no answer where they money is going to be paid or at least refunded back to me, the answer I got when I requested the money to be paid back to me was it will delay the process and I needed to move forward because there was not guarantee I can get my money back.
This is a complaint against XXXX XXXX XXXX because it is violating the law for reporting an account that is under my name, but is fraudulent, that does not belong to me, was opened without my permission and is being reported to the XXXX  XXXX XXXX, by you I want through the CFPB to send you all the documentation that I already sent you via fax 2 months ago and by certified postal mail, they received all the documentation but they threw it in the trash, it means that you do not comply with the federal laws and lack of respect for the law because they violate and ignore this must stop reporting to the credit agencies and remove from your agency this account is a fraud, see if you understand me I have never attended any medical institution in the US, thank XXXX I never get sick, I thank you, please check very well the documents that your colletion office has, As names, social security number, because I am a victim of identity theft and this account is one of the many that unfortunately was opened under my identification according to you. And this situation is affecting my health, my nerves are destroyed because of this, please ask me to answer this via CFPB with a letter from your agency stating that this account has been closed and blocked by fraudulent results and that you request the credit agencies that remove it from my credit, because you already have all the evidence of identity theft and I do not understand why you have not complied with the law of removing it, if you continue to report this account you are violating the law. Now this complait will also be reported to the FTC and other federal agencies so they can comply with the law ; since if for you it was a garbage the report of police, I am obliged to go to all agencies so that you can meet them, for violating the law of reporting fraudulent accounts when all the evidence and documentation necessary to block it has already been given, this same letter requested that it be sent to XXXX so they can stop reporting a fraudulent account that affects my life by identity theft, the law says that when a person is a victim of identity theft the credit agency and the creditor as you are. They continue to report the account and it is not blocked so violating federal law. That account must be eliminated as a duty complying with the 605b law and if it does not violate the law, if you do not know about this section 605B, I recommend that you read it very well and comply, because I will have to go as far as I can. to solve this, I have stolen half of my life due to stress. in this complait I will get you 1-Police Report, Letter of request to block the account for compliance with federal laws, as well as upload the letters, the FTC report and my documents. Sorry for the repetition of this request, I want this complaint to be answered with a formal letter that you can call. Thank you
I opened a Citigold checking account in XXXX XXXX using promo code XXXX which offered a bonus of XXXX AAdvantage miles which would be posted to my AAdvantage account within 90 days of meeting the following requirements : " Within 60 days of account opening complete debit card purchases of {$1000.00} using the Citibank debit card which must be posted to the new checking account. And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' The offer code was accepted but I thought it was odd that I was never asked for my AAdvantage account number so I immediately opened a chat window on Citi 's. The bank 's representative informed me not only that I had signed up for the correct promotion, but also that it was " targeted '' to me. 
On XXXX/XXXX/XXXX after meeting the bonus requirements, I opened a chat window again in which a bank representative confirmed that I indeed had met the requirements and the XXXX miles would be posted to my AAdvantage account in 90 days. A copy of both conversations are attached. 
After 90 days came and went, I called Citi to find out the status of the bonus and the rep told me she would open an " investigation '' and the results would be sent to me in a few days time. Upon completion of the investigation, I received the attached letter informing me that there was not an AAdvantage Miles promotion offered in conjunction with the opening of my account. In a follow up phone call, I was transferred to a supervisor who told me that I was never " targeted '' for the offer, despite what I had been told by two of the bank 's representatives. 
If for some reason I was not eligible for the promotion, I should have been informed upon account opening. Not wanting to close the account before I received the miles, I have since been charged {$120.00} in service fees. I am requesting that Citibank credit my AAdvantage account with the promised XXXX miles as well as refunding the service fees caused by their delay in processing the bonus. Thank you for your assistance.
I was stupid enough to charge some items at MACY 'S on my Macy 's credit card over XXXX. I was unable to log into my account online to make the payment because Macy 's had updated the system and I simply did n't have the patience to navigate their irritating and obscure system. However, I called Macy 's and paid my bill for $ XXXX a day or two late - was assured that there would be no late charges because I was a customer in good standing, yada yada, and received a confirmation number that I had paid the bill in full. 

I then received a bill for {$2.00} in interest. OK, I agree - I had n't paid the {$140.00} on time, regardless of the reason. Whatever. So I paid that {$2.00} bill immediately, by check, and left the country for an extended absence - in complete confidence that I had paid all my bills in full. 

Imagine my surprise when I returned to the US and found that Macy 's had received and cashed my check, but charged me a further {$2.00} anyway as a minimum interest charge on the interest charge that had been paid in full, well before the due date. Oh, and then added a further minimum {$2.00} charge for a total of {$4.00}, due on XXXX. 

I called Macy 's right away and spoke to one XXXX, who did n't seem to have a clue why I was irritated, but eventually - very grudgingly and with full implication that I was a total deadbeat - agreed that she would " waive '' the {$4.00}. 

Imagine my FURTHER surprise when I received a FURTHER email from Macy 's about my " account balance. '' I immediately called, went through endless voice prompts, and finally got through to a live human being who said in hushed tones that she 'd have to put me through to another department. 

Sure enough, I got the " this is an attempt to collect a debt '' speech. The glorious XXXX, according to the faultlessly polite CS rep who answered, had failed to properly credit my account. He agreed that he could correct it and that my account would update eventually to show a {$0.00} balance. However, he was unable to reassure me that this, um, " delinquency '' had not been reported to the credit bureaux that make a darn good living off selling my info, and he could not send me a letter saying that Macy 's had made a mistake. Given that the glorious XXXX had also assured me that I had a {$0.00} balance on my Macy 's charge card, forgive me if I 'm not confident that I do in fact now have a {$0.00} balance. 

I do not give a flying whatever about my credit as I am old and cranky and do n't need any credit. I DO care that Macy 's total incompetence and the Macy 's system that is set up to fail, to their benefit and to consumers ' detriment, affects kids and other people who DO need good credit.
The creditor is unwilling to try to work with you on late payments. They always threaten repossession as the first line of action. Give ridiculous deadlines and threats and very unprofessional. Call your references and family members right away harassing them if you are late. Very degrading and unprofessional in their actions. A family member offered to help pay my payment but was told that they would not wait until XXXX XXXX it had to be XXXX XXXX the same day or else. Would not come to a workable solution at all. Go with their motive or nothing. Payment is late but not even close to 30 days. Again they were going to receive full payment XXXX XXXX by XXXX XXXX only 15 hours from their request and they were rude and said forget it they did not want the payment. Spoke to XXXX XXXX who was rude threatening and arrogant. His number is XXXX. XXXX XXXX XXXX should not have account managers working for them who treat people like they are loan sharks. Horrible people.
My loan does n't seem to drop, I always owe the same amount or more sometimes I really cant afford any longer but I do n't know what to do I figured I 'm almost paying XXXX dollars extra for a XXXX loan
On XX/XX/2018 Usaa federal bank accessed one of my checking accounts and withdrew {$460.00} to pay for a loan in which they did not have authorization to access the account nor for that amount. I literally just got paid that day and they took it upon themselves to deduct these funds to " off set '' a delinquent loan. The loan is only in my spouses name and they have access to one of my checking accounts but the account they withdrew from they were not authorized to access nor are the funds in the account associated with the borrower. When I contacted the bank about the charge they refused to dispute the transaction or acknowledge my regulation E complaint and said it was just bank policy and they had the right to do it. Personally I find it unfathomable that a service provider believe they are entitled to arbitrarily access a consumers account just because they are a lender and depository institution should not empower them to impact me financially especially when a credit product is involved.
I repeatly tried to speak to someone about increase in interest rates. Was treated rudely on the phone with no answer to my questions. I was told repeatly that I did not qualify for loan forgiveness even though I am a XXXX.
Received free annual credit report through Equifax and discovered unknown XXXX account. Called XXXX to inquire about this account, however, they were not able to find this account because Equifax credit report provides only first XXXX digits of the account number. Called Equifax to inquire about full account number and customer service rep, XXXX, said the only way she could pull up and release full XXXX digit account number is if I purchase Equifax Complete Advantage Plan. I agreed, however, after the purchase she informed me that she could only provide first XXXX digits, and not the full XXXX digit account number. This was completely misleading practice to trick customer into purchasing their product. They refused to provide refund. ( Spoke to the supervisor, XXXX, agent number XXXX - he refused to provide refund, instead gave me cancellation/reference number of XXXX )
On XX/XX/XXXX i received a alert of my TU that XXXX XXXX pulled my report, i did not authorize this and no where on their checking application was their a disclaimer that they would hard pull my report this companies practices are very unethical and have hurt me by dropping my credit score and that will affect my interest rates, no one at XXXX XXXX is willing to help and the customer service is the worst i have encountered in my XXXX  years of life, there are no words i can think of to appropriately use to express my anger with XXXX XXXX.