WillisBack/dataset-financial-user-claim huggingface dataset:
This money wire/digital wallet company forces users to provide all their personal and bank info e.g. Social Security #, DOB, account & credit card numbers etc. All of which they claim is used to " verify '' your identity. However, they are now using unethical delay tactics with no rhyme or reason to prevent users from trading in their Bitcoin ( digital currencies ) into dollars. One of those tactics is locking people outside their accounts by claiming the system does not recognize their devices. This happened to me except I know for a fact I have used the same computer to login countless times with no problem until now ; ever since the price of Bitcoin has risen ( today : XXXX XXXX 2017 ).
Shellpoint mortgage servicing refuses to update my credit profile as current with payments. Have reached out to them by phone and email on numerous occasions. XX/XX/2018, current with payments, on XX/XX/2018, instead of reporting current payments they reported as 90-119 days  delinquent, then on XX/XX/2018, they reported as 91-120 days delinquent. I have tried to get them to update information correctly and they refuse.
In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to LACSD after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity. 


I have filed affidavits and done all the proper steps under federal law for BBVA to handle this accordingly but has failed to do so, my attorney has filed a complaint with the Attorney Generals office of California - XXXX XXXX against BBVA Compass Bank for Banking negligence resulting in the loss of funds of claimant - XXXX XXXX. 

In the last CFPB response from BBVA Compass Bank all that was stated after a TWO WEEK investigation was dispute it ... I am asking BBVA once more to investigate and return my funds that are due to me under federal law.
XX/XX/XXXX TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX XXXX File # XXXX Plaintiff : Capital One, Case # XXXX P.O. BOX XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXXXXXX & XXXX The Fraud and Misconduct continues by XXXX XXXX XXXX XXXX! This is with regards to information obtained from the Plaintiff, Capital One. See included letter from Capital One stating that on XX/XX/XXXX Capital One was issuing a Cease and Desist and stopping all collection efforts and closing the account with XXXX XXXX XXXX XXXX which SHOULD have filled a Garnishment Release shortly after! The Garnishment Release was only filled almost 5 months later AFTER I first filled a complaint on XX/XX/XXXX! Since then XXXX XXXX XXXX XXXX has, according to the Michigan Department of Treasury collected a state tax refund of {$520.00}. 
My complaint is that if XXXX XXXX XXXX XXXX had filled the Garnishment Release in a timely manner neither the complaint on XX/XX/XXXX not this one would not have had to be filled! I tried reaching out to XXXX XXXX XXXX XXXX by telephone and was only questioned regarding resoling this account! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself, since the Garnishment should have been released months earlier AND that XXXX XXXX XXXX XXXX be warned about the Misconduct in their business model and Law Firm handling of issues in a Timely manner.
Used Macy 's card only once XX/XX/XXXX. Received statement and paid full balance on XXXX/XXXX/XXXX. Card was not used again. No statements or correspondence received since XXXX. XX/XX/XXXX, began receiving multiple calls per day from a caller who would provide no specific information, but wanted the number of our Macy 's card. Decided that it might be a good idea to contact Macy 's. ( XX/XX/XXXX ). Was connected to XXXX individuals, the XXXX being a " specialist, '' who informed me that our " account '' was PAST DUE and the balance was over {$100.00} with late fees and interest. After close to an hour of mostly futile conversation, she noted that the ACCOUNT APPEARED TO HAVE BEEN PAID IN FULL IN XX/XX/XXXX, and she would be " happy '' to correct the record. We directed her to close the account IMMEDIATELY, and it appears that she has done that, although our credit report shows a {$4.00} balance remaining. Checked credit reports today and found that they have been virtually destroyed - a drop of over XXXX points - by " overdue '' payments to this account. Needless to say, we will undertake all avenues possible to correct the record, but to characterize this experience as a atrocity would not be an overstatement.
I received a letter today XXXX/XXXX/XXXX stating that a judgement was entered against me for an outstanding debt of {$1200.00}. I called the XXXX XXXX XXXX. I spoke to a XXXX, that asked if I would like to make a payment. I said no! I asked about the validity of this debt and about its age, since I have no recall of it. She could not answer me and said someone would call me back. I have checked all my credit bureau 's, I DO NOT have any open collections or judgement against me. I now have a XXXX off wife that thinks this is going to affect our credit rating! I want a letter stating that this is not my debt and an apology from this so called collection agency
On XX/XX/XXXX, Suntrust allowed a wire transfer of {$2900.00} out of my daughter 's savings account, I am also on the account. There was not even {$2900.00} in the account. I saw it immediately, put {$300.00} in it to bring it to even. She works late shift, I had to wait for her to wake up from working until XXXX XXXX, she let me know she does not know what happened. It was not anything she did. We called the bank, and by the time we did, the {$300.00} that I had put in was also gone ... all of this happening onXX/XX/XXXX. The bank will not put the $ back in, will not do anything other than say " our fraud department will handle it ''. 10 days later, no $ has been put back, no updates. This was over 60 % of of my daugher 's funds. They closed the account on the XXXX.
I've requested evidence which Paypal supposedly has showing items were delivered to me from a " XXXX '' on or around XX/XX/, this person took two payments in the amounts of XXXX and XXXX, did not deliver the items. To date, Paypal has not provided or shown any such evidence. They instead refer to prior Papal accounts which are not mine, it appears a relative had these accounts, this person no longer lives here. The person, " XXXX '' is a scammer whom uses XXXX messenger app to lure people in as explained to several Paypal reps who took my claim, they claim they have " compelling evidence '' items were delivered electronically, one rep mentioned a bogus tracking number. There is no such tracking number that would show any item delivered via text, email, or otherwise. As you can see, their evidence is in fact bogus as they have not provided it to me. I believe they need to show this evidence, if not, refund the charges.
This company continues to call and not provide any information about why they are calling or the debt they are attempting to collect. Then they threaten me by saying I am being taken to court. They call my work phone and my cell phone daily using robocalls. 
The company name, they say is ADR Group or Alternative Resolution Dispute. But I can not find them online. The number they sometimes answer is XXXX
I have never applied for a loan/ credit with NetSpend . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.
On  XXXX / XXXX /   2017  I initiated a transfer of {$500.00} from  my Wells Fargo ac count using the SurePay system to my cousin who uses   XXXX    XXXX   XXXX . It generated a reference number #  XXXX  and my cousin also got a text message on her phone indicating that the funds were received. However, when she checked her account, the funds were not there. She immediately called  XXXX   XXXX   XXXX  to inquire, but they told her I 'd have to submit a claim through my bank because they saw no record of the funds.     Since then, I have submitted two claims wit h Wells Fargo (  Claim #  XXXX  &  XXXX   ).   Wells Fargo has closed both claims, stating that the funds were posted to an account but can not rele ase any additional information. My cousin has tried to inquire with   XXXX    XXXX   XXXX  but they refuse to provide any in  formation either.
Wells Fargo h  as told me that it 's possible  I may have  entered the incorrect phone number when I initiated the transfer. However, she got a text message indicating the transfer took place.     After opening up a claim by phone, which got rejected, I decided to send a complaint to  Wells Fargo through my online banking but this was the response I got : " ... The claim is closed beca use the transfer was sent as requested. '' The response we 're getting from both banks suggests I 'll have to absorb a loss of {$500.00} and no one can help me. I 'm very disappointed in my bank for not even attempting to help me recoup the funds.
I have a debt on my credit report of {$1800.00} from a company called XXXX XXXX XXXX Says it was opened on XXXX XXXX, 2013. It was purchased from another company called XXXX XXXX XXXX XXXX. It states that the original balance was {$2400.00}. I have no idea who either one of these companies are. I tried to find out if there is another original creditor. I also asked if this was mine, when was the last payment that I made? Does this company have to give me this information? Can this fall under time-barred?
I am applying for companies that use Hire Right background checking services. I would like to retain a background check on myself through this service. They wo n't let you retain your own report unless a company has requested a report on you. But by then it is too late and I will have lost the job.
I contacted Macy 's credit card customer service in XXXX. I had been off work for medical issues and needed help making my credit card payments for awhile. I talked to a woman who said she would set me up on a 12 month program. She was reducing my monthly payment to XXXX dollars, lowering my interest rate to 3 percent and moving my due date to the XXXX of every month. In order to do this I had to close my account, which I agreed to do. I logged into the credit card website in XXXX to make my payment, and my account reflected the payment program. I made the XXXX dollar payment as agreed and was charged XXXX dollars and some change in interest. Come XXXX, I log into my account to make my payment. Well now my payment plan looks to be non existant, my account is still closed and I 'm showing as XXXX dollars past due! I desperately try to get anyone to help me. I called over XXXX times and each person told me they could n't help me and to call back. They gave me the number to the department who handles hardship accounts, to which I left a voicemail and never got a return message. I did XXXX online chat sessions, where both people would not help me. I submitted XXXX online secure messages, I sent XXXX complaints to the XXXX. I just do n't know what to do! No one will help me or even acknowledge me!!! This is ruining my credit!! I feel I was lied to, mislead, and tricked into being put on a program and having my account closed when that 's not what actually even happened! I need someone to help me! When you look at my statement for XXXX, it shows a payment plan and 3 % interest, but when you look at my XXXX statement it reflects XXXX dollars of interest, late fees, and past due amounts! This is seriously stressing me out. I feel like they have all this control over my credit and are just ruining it.
I am an XXXX duty Military member and a holder of the Chase XXXX XXXX credit card. When I first applied for the card I applied to get the annual fee waived under the Servicemembers Civil Relief Act. Chase informed me that because I was on XXXX duty when I applied for the card, I was not covered under SCRA. I recently learned that Chase was now waiving fees for XXXX duty members who applied for the card after XX/XX/2017 under the Military Lending Act. When I called Chase on XXXX to inquire if I could get my fees waived as I am XXXX duty and a holder of the credit card, the military customer service agent informed me this only applied to XXXX duty military who applied for the card after XX/XX/2017. When I further inquired if I could cancel the card and reapply to take advantage of a benefit entitled to all XXXX duty military personnel, I was informed that there is a mandatory 24-48 month duration between closing and opening an account. The fact that new members enjoy this benefit and long standing loyal customers do not seems completely arbitrary and borderline predatory. I would like to see a resolution come about where myself and many other XXXX duty members are not penalized for applying to this card prior to the XX/XX/XXXX enactment date.
On XX/XX/XXXX a complete modification package was sent to SPS. ( see attached ) A confirming email was received ( see attached ) The homeowner had a sale date set for XX/XX/XXXX.Our office called SPS and spoke to XXXX XXXX on XX/XX/XXXX and she stated the docs were received and they will be sent to processing. ( pull the call as they are recorded ) On XXXX we called SPS and spoke to XXXX XXXX who stated the docs are being reviewed. ( pull the call as they are recorded ) The sale date of XXXX was postponed until XX/XX/XXXX.Our office continued to call weekly for updates on the review. Every week we were told the file is being reviewed. On XX/XX/XXXX we called SPS and spoke with XXXX XXXX who stated the file was denied, but no denial letter was sent.On XX/XX/XXXX we called SPS and spoke to " member of management : XXXX XXXX ID XXXX. We told her no denial letter was ever sent yet we have correspondence from them that the docs were indeed sent in for review. That we have all call logs and records ( see attached ) from every employee we spoke to weekly with regards to the review. She reviewed the file and stated she sees where we spoke to the employees but that NO REVIEW WAS EVER OPENED as there was a sale date on XX/XX/XXXX. She contradicted what EVERY SINGLE EMPLOYEE STATED. She continued to repeat " there was a sale date on XX/XX/XXXX we could n't review the file. '' Once the sale date was postponed what was the excuse? She than stated it had to be in review 37 days before the sale date. THE SALE DATE WAS POSTPONED, WE HAVE CORRESPONDANCE FROM SPS VIA EMAIL AND WE HAVE DOCUMENTED CONVERSATIONS REGARDING THEIR EMPLOYESS TELLING US THE FILE WAS IN REVIEW. We informed her of all that information and she continued to make excuses. She then stated that XXXX did not move the " file forward. '' SPS records the calls!!! They need to review all calls dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX when we spoke with XXXX XXXX, XX/XX/XXXX when we spoke to XXXX XXXX, XX/XX/XXXX when we spoke to XXXX XXXX and then XXXX XXXX.For this to happen to a file is unacceptable. This file slipped through the cracks. At this time we are demanding the sale date be postponed or we will move forward with legalaction naming SPS as a defendant in a civil suit.Mr. XXXX has had issues after issues with SPS and it is apparent that they have neglected this file. Furthermore they have discriminated against XXXX XXXX based on his race, ethnicity, national origin, language, sex, and marital status. It is very obvious that SPS would rather foreclosure on the home than assist the homeowner. Lastly, there is an open dispute with their institution from XX/XX/XXXX that has NOT BEEN resolved, yet they are still trying to sell the home. That further proves their intention regarding the home as well as discrimination against the homeowner.
On XX/XX/XXXX of XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX  through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.
My XXXX student loans defaulted and I have been paying The Law Offices of XXXX XXXX XXXX, XXXX. I paid off one of my loans in full and even have a letter from the lawyers office saying so. It still says I have a balance of {$75.00} on my credit report. I tried contacting the lawyers office and they told me to contact XXXX who has done nothing but hang up on me and say its not their problem. I am not sure what to do at this point to get this off my credit report as everyone is just pointing fingers.
I assumed a loan from PHH mortgage. The original loan amount was XXXX. I assumed the loan in XXXX, at that time the insurance changed from XXXX to XXXX It was part of closing, the amount of the payment changed also, It was appx. XXXX. I began to pay an even XXXX In XXXX the mortgage company sent out an escrow statement indicating that I had a shortage because the insurance had changed. The insurance did not change in XXXX. The amount of the payment had already changed. They then asserted that the payment would be XXXX. I disagreed and requested they audit the account. The change in the insurance was appx XXXX and had been included in the closing and the payment of the loan so any shortage was a mistake on their end. Also, a XXXX change would not initiate a XXXX, which is indicated if the amount of the monthly payment is changed by XXXX as they assert. Their response was that their analysis was the audit, it was right, and there was no need for an additional audit. They then began calling the previous borrower that the loan was assumed from regarding this issue instead of working with me to resolve it. They sent me a letter of default indicating that the mortgage is behind two payments which it is not. I contacted them again, and they said they will initiate an audit for XXXX but can not halt the change in payment until the audit is done because they are sure that it is right.
Why does it feel like Experian is n't reading my letters I 've sent certified mail to them? 

Feels like no one is taking an interest as I have not gotten anything from them back as far as results are concerned and any investigation. 

Why do I have to spend so many countless hours on this? 

See attached.
I have had my current mortgage for about 10 years, Originally with XXXX, then it moved to XXXX XXXX XXXX who then sold it to Nationstar mortgage. Nationstar has been a hassle from the beginning, charging money to pay online from the beginning. After a few months they made the pay online fee only assessed if you paid after the XXXX day of the month. However, original loan agreements did not provide for these additional charges, saying that late fees would be assessed if not paid by the XXXX of the month only. Although annoyed, I did not complain until suddenly in a website upgrade, they are not asking me to enter my social security number to access the web pay option, and charging me from {$14.00} to {$19.00} to pay electronically by phone. If I want to talk to an agent, they threaten to charge me even more. I am certain that I have paid additional fees of XXXX dollars for these policies and I am fed up with it. I hear horrible stories from people who are trying to pay off mortgages through nationstar, and from people who are attempting to refinance their nationstar loans. I do not trust them, and am honestly fearful of dealing with them. I have always paid my mortgage on time, never once a late payment. They harass me with phone calls and mailers constantly trying to encourage me to refinance, but I would never want to refinance through them. I tried to refinance through a local lender this last year, but have not got a good enough debt to credit ratio or credit score to qualify for such a good lender. I feel taken advantage of for having been given a loan before the great recession, but have not been able to qualify for any government help because I have too " good '' of a equity to mortgage ratio, not being underwater, or late on payments, or making too much money to qualify, even thought I am a single mom who has been trying to raise XXXX boys in a single family home all by myself. Ultimately I want nationstar to take down the requirement for entering a social security number in order to access their website, and would love to see them have to refund all those obnoxious web payment fees back to me.
To Whom this may concern, This is my third attempt to try and resolve my issues with US Bank outside of the court system. US Bank is reporting me to XXXX even though they said, : " If you pay the amount off in full, we will update and remove you from XXXX. '' I have over a dozen calls logged to US Bank along with some letters. In addition, because I opened my account online, I did n't have a home branch to work with, like the US Bank representatives requested I did. My last letter from US Bank referenced " fees '' after I expressed that I felt I was charged in excessive. Per the letter, each branch will have " fee '' brochure available in the lobby. After visiting the XXXX XXXX, Ca lobby ( pictures attached ), I was unable to locate them. SO, I was never provided the fees nor does this branch have them available, at the time I visited. If US Bank is not going to remove me from XXXX 's I would like to know why since the transaction was under {$100.00}, but I paid over {$200.00} in fees.
Citi cards di spute case number Case ID :  XXXX , first I filed dispute because I have n't received ordered merchandise, after receiving it City cards reversed the credit but I was not happy with the quality since I received completely different product that was ordered so I shipped it back. Since then I have been trying to contact citi cards and merchant to get my money back for the return without success. City bank closed the case stating they never received return tracking number, but it 's not true. I emailed and faxed it over multiple times.
Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification