WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I was the victim of an online XXXX scam. I purchased 2 tickets for {$350.00} to a XXXX concert in XXXX XXXX. I emailed " XXXX XXXX '' back and forth with over 40 emails in the tread. I was scammed using the application XXXX. I have been with my Capital one back over 14 years and noticed the send money option on my online banking application. I had no idea that it was a third party application. I sent her the money at about XXXX XXXX Friday and she sent me some obviously fake tickets. By the time I called the bank it was too late as the money had cleared the bank. My request was quickly denied by Capital One. I called XXXX immediately and they pretty much laughed at me. I told them I wanted to speak to a supervisor but every time I called he was conveniently on the other line with another customer. I also filed a police report with XXXX, a complaint with the FTC, and next will be contacting the BBB. I believe XXXX is very misleading and there should be some type of protection plan. Never use XXXX to send money unless it 's with someone you know. I 'm also very upset that I told them the account was being used in a scam and they did n't seem to care. I sent the money to XXXXXXXXXXXX and corresponded with XXXXXXXXXXXX. 
Looking back there were several red flags during this transaction. But I have a XXXX and a XXXX I was juggling while I was completing this transaction. I want others to be careful and take the proper precautions when buying things online and to NEVER EVER use XXXX. And know that it IS NOT backed by your bank. XXXX would not tell me anything about his account other than it was active. I eventually found him on instagram and sent him a series of emails but no response. I also flagged all of his posts on craigslist as I found he had several listings in several cities.
XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a Loan No. XXXX with XXXX. ( See " First Attachment ). To secure repayment, the XXXX executed a Mortgage Loan No. XXXX with XXXX ( " XXXX '' ) as nominee for XXXX, which was recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX. ( See " Second Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its Loan No. XXXX to Countrywide Home Loans , Inc. ( hereinafter " CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC. '' ). ( See " Third Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states in a XXXX XXXX, XXXX " NOTICE OF INTENT TO ACCELERATE '', that Conduit Loan Account No. XXXX between the XXXX and unknown investors is in serious default. ( see " Fourth Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX, BANK OF AMERICA , N.A . FDIC NO. XXXX is now the mortgagee of record for XXXX Loan No. XXXX. ( see " Fifth Attachment '' ). A Notice date of XXXX XXXX, XXXX, CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., shipped to the XXXX a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN ''. ( see " Sixth Attachment '' ). On page XXXX, number XXXX, reads the origination date of XXXX XXXX Account XXXX. XXXX between the XXXX and unknown investors was on XXXX XXXX, XXXX. On page XXXX, numbers XXXX and XXXX, also states that the XXXX XXXX Account XXXX. XXXX was transferred on XXXX XXXX, XXXX, to a New Creditor : BOFA MERRILL LYNCH ASSET HOLDINGS, INC. ( see " Fifth Attachment '' ). Since XX/XX/XXXX, for over two years, BANK OF AMERICA , N.A . FDIC NO. XXXX has been attempting to seize and steal the XXXX House and Property.
I am a XXXX  Senior Citizen on fixed income Social Security XXXX   Benefits. I have been using the Credit Monitoring System of " XXXX XXXX   '', for 8-9 months now, and am very pleased with the accuracy that seems to surpass Transunion 's Reporting System. I am also an avid advocate against Preditory, Coercive, and Compellant Strategies used by banks and credit unions behind the scenes that Consumers are not aware of, due to adverse transaction clearing behind the scenes on Bank Credit Cards.

I recently filed complaints against XXXX XXXX XXXX 's XXXX  Card for NOT using electronic clearing methods that cause the Consumer to have a blind spot regarding their balance, in the amount of ONE FULL MONTH, due to the use of SNAIL MAIL, instead of electronic clearing methods of same day or next day clearance. 

I come before you today to report that Transunion Credit Reporting System not only falls behind the accuracy guidelines, but also tends to act IMMEDIATELY on what they feel is adverse information, before the account has time to automatically resolve itself due to a BANK SYSTEM ERROR, in favor of the CONSUMER. 
It is my opinion that this is unfair to anyone who does not have the Financial Training from XXXX XXXX that I do ... and I am finding that I am having to call Transunion once a month, to correct their information ( which can not be done unless it is a DISPUTE. ) A BANKING ERROR CAN NOT BE DISPUTED, as I found out today-and the incorrect information can not be changed or disputed. 

My suggestion to resolve this problem in the Transunion Reporting System is to prevent the credit unions from OVERREACTING to what appears to be adverse, but instead is an error in favor of the CONSUMER. AND, Transunion outsources to INDIA for Customer Service, which makes it even more confusing due to the lack of US Consumer Banking and Fair Credit Reporting Guidelines. 

Most errors will be resolved by the next Treasury Payday that clears on the XXXX  of each month, when it comes to Fixed Income Beneficiaries.

Would it be possible to have a Systems Analysis Check on Transunion Reporting so that it does not seem so hostile and interrupt the Banking Activities regarding Lines of Credit and so forth. 

Thank you for your time and attention to this hot button issue.
On  XXXX   XXXX     2017  I had a balance with    XXXX   XXXX   o n my  XXXX  store card charge account of {$560.00}. I logged into my online portal to bring up my account and paid off the balance. You are given  three  options for paying off your balance : Pay of balance, pay amount due, and other amount. If you select " Pay off balance '' or "  Other Amount ' ' then it will NOT allow you to type in a greater amount than what is currently shown on the account.     I made a payment of {$560.00}. A month later I received a bill for {$10.00}. Ok I get it, residual interest. On top of that they also charged me a {$2.00} minimum interest charge.     I have tried calling them in the past. I realize this is minor but when you call them you are greeted with a phone tree that after you tell it your account information just pulls up your statement and reads the entire thing to you fo r fifteen  minutes before it will let you speak to a cus tomer service representative. Once you talk to a CSR t hey will give you the SAME amount due. That is assuming you can understand what they are saying because of course their call center is outsourced to  XXXX . They do not know the residual interest amount either!     My problem is there is no way to avoid the residual interest charge. They wont let me overpay the amount online or over the phone.
On XXXX XXXX 2016 on XXXX of my reports, XXXX and XXXX was reported {$600.00} and on a balance of {$2000.00} ... .. this borrow of bank money or whatever, I never have money from MW REC SYS I do n't know who this is. Midwest recovery Systems LLC is supposed to be the company doing the collection, I have never had anything in collections ever and I have over XXXX accounts and all of them 100 % on time paid off zero balance I have never owed anybody ... XXXX has hundreds of complaints against this reporting agency. Midwest recovery systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In XXXX. I became a victim of identity theft. I am now XXXX years old, XXXX XXXX college and to my knowledge, never have I ever had in apartment in my name. This has caused me a grave inconvenience because its hindering me from getting out on my own. This company is saying I owe them over {$6000.00} which I find ludicrous. I contacted them after I got denied from applying for an apartment. Again. I have never lived on my own. I reached out XX/XX/XXXX to let them know that I have been a victim of fraud. They were very rude and didnt want to hear it. This whole ordeal has caused me XXXX, Ive been crying tears sea deep because I cant get approved anywhere and its not even my fault. Me being a XXXX XXXX I should be celebrating but my joy has been stolen from me.
Since Greentree went to Ditech, I can no longer easily make online payments prior to my due date of XX/XX/XXXX. I pay my mortgage at least a week ahead of schedule online. When making payments, there is not an option to choose where the funds are to be allocated. Instead, my monthly mortgage payment is being applied to Principal Only. The result is that it does not register as a monthly payment and I end up " late ''. I have to call multiple times over 3-4 weeks until the funds are reallocated appropriately. Each time I call, I 'm told that it may take up to five days then I get the company tagline of " well, it may take longer because they 're so backed up ''. Even after making several calls and being reassured that no late fees will be applied, I start to get calls at night from Ditech informing me that my payment is late. Their payment system is set up in a way to minimize payments from being made prior to the due date. I would appreciate an explanation as to how to make monthly payments before the due date.
XXXX XXXX ... .XXXX credit card ... .Elder financial exploitation On XX/XX/XXXX I was contacted via email by headhunter looking for procurement officers by a company in XXXX XXXX XXXX XXXX XXXX -XXXX XXXX handled by a XXXX XXXX this was an international gift card credit card scam that wasn't revealed to me until XX/XX/XXXX when I became aware that the company was a scam. I immediately connected with the vendors and saved over {$1000.00} of gift cards that were not used. I immediately filed a Sherrifs Department report with XXXX XXXX XXXX through the XXXX , Fl Police Department File # XXXX XXXX I was quite upset and Detective XXXX took my statement. I also filed a IC3 report with the Federal Bureau of Investigation on XX/XX/XXXX. I worked with the fraud department of XXXX XXXX every phone call made I was reaching a new agent I never talked to the same agent twice. I was calling 2 or 3 times a week to try to rectify this matter. I felt as if I was getting no where with them. I was responsible for {$3700.00} which were my charges that I myself was responsible for and paid in full. XXXX XXXX lost the check. This was resolved by me when I paid on line once again. I never heard one word about the lost check. On XX/XX/XXXX agent XXXX XXXX issued me a case # XXXX he stated that I should fax to him the reports and place this case number on each sheet which which I complied with. I have never received any acknowledgement that these docs where received and I could never again reach this agent. Therefore, On XX/XX/XXXX I spoke with XXXX XXXX XXXX another call, another explanation, sent me a link in order to place the files online again using the same case number a above. To Date I have heard nothing. I had no acknowledgement but still received notices from the credit card division charging interest on the unpaid balance and of course ruining my credit score. I called XXXX XXXX again but to no avail. I felt as if I was on a merry go round. I never heard or received anything from the fraud dept but kept on receiving the statements with interest accruing. These phone calls were getting me no where to date I have called over 100 times to this department. I wrote a letter of XXXX XXXX XXXX XXXX, President of XXXX  XXXX, overnight return receipt requested, I never received acknowledgement when I know the letter was in fact delivered. I feel that I have exhausted all means of communication with this company my credit has been ruined when in fact I always maintained a high credit score throughout my lifetime. I am XXXX years women living on social security and pension who just wanted to earn additional income but duped by foreign scam artists. Now that I need a small loan to purchase a car I am being declined because of this continued problem.
XXXX   XXXX   XXXX  Has been reporting since  XXXX  an account for the  XXXX   XXXX   XXXX  over a payment that was between my insurance and the billing department of the clinic. The Clinic was in dispute with the billing company due to over payment and improper billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with   XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.
I have no contract with MIDLAND FUNDING. They are a known liar and fraudulent company. 
They need to PROVIDE ME PROOF that I signed my WET INK SIGNATURE with their company as they are reporting that I OWE them money as reported by XXXX on my XXXX 

TO MY knowledge, I HAVE NOTHING with them and therefore this debt is INACCURATE and A LIE/FRAUD. They are attempting to collect a debt I DO NOT OWE. 

Here 's what I just received by XXXX : Date ReportedXX/XX/2017 Collection Agency MIDLAND FUNDING Moved to Collection XX/XX/2017 Account NumberXXXX XXXX Balance Amount {$3000.00} Status Collection Source XXXX Credit Report Note : Because XXXX might be monitoring multiple credit report sources, we might send you similar looking notifications for this same activity. 
Questions? Please contact : Collection Agency MIDLAND FUNDING Phone XXXX Address XXXX City XXXX State CA Zip XXXX
My wife received a phone call from the number I have linked to Midland Credit XXXX. They asked if they had reached me. My wife said no. 

He continued by stating that " this phone call is being recorded and was an attempt to collect a debt for XXXX XXXX. '' I know this is regarding my credit card debt with the store 's credit card, but it 's my business and legally not anyone else 's. 

According to the Consumer Financial Protection Bureau and the Federal Trade Commission, this is a clear violation of my rights and I want their case dropped because they should not share any of my personal information with other people.
My name is XXXX XXXX, I received notification from XXXX XXXX XXXXXXXX For a debt I had no knowledge of from XXXX XXXX   XXXX from an account that I learned from calling XXXX XXXX that was closed out 8 years ago and know just learning that i owe money to them. My question is doesn't this fall under the statue of limitation of 4 to 6 years to collect, also this is the first time I'm hearing about this after receiving my mail Saturday XX/XX/XXXX of 2018 which contained this noticiatation letter stating that I owe only 8 year after the fact they closed out my account with XXXX XXXX in XXXX XXXX XXXX
I accrued medical bills from XXXX XXXX and XXXX XXXX system after an illness in XX/XX/XXXX and have been making monthly payments of between {$50.00}. and {$200.00}. per month to XXXX XXXX depending on how much I can afford each month.The original bill from XXXX was for {$1500.00} and my first bill was due in XX/XX/XXXX. I paid {$50.00}. in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, {$180.00} in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, and {$200.00}. in XX/XX/XXXX despite not receiving a bill in XX/XX/XXXX. My current balance is {$900.00}. and I expect it to be paid off by XX/XX/XXXX now that my other medical bill ( XXXX Healthcare system ) is paid in full. All bills were paid before due date. None were late! Today I received a letter from a collection agency for my unpaid balance affecting my credit. It would be another story if I were making minimal or late payments but that is not the case. This is n't right!
Complaint against - XXXX XXXX -- - A company called XXXX XXXX has been harassing me with constant calls. Bridgecrest is the debt collector for another company called XXXX, a car retailer. I never bought any property from XXXX, but the agency Bridgecrest keeps contacting me, even after I asked them to put my name on their Do-Not call list.
Re Account ending : XXXX My XXXX account was charged numerous overdraft/extended overdraft fees, returned check fees, overdraft transfer fees as a result of a stop payment on a check issued by Capital One in the amount of XXXX. I have attached statement copies to this complaint showing a total of fourteen ( 14 ) overdraft fees, a returned check fee in the amount of XXXX, an overdraft transfer fee also in the amount of XXXX. The total is XXXX in fees, these need to be refunded back to my account, a check sent for difference. A XXXX XXXX with Capital One insists a second check issued in the amount of XXXX on XX/XX/XXXX, cashed by a XXXX XXXX, lives at my address when she in fact does not. The statement will show I was in XXXX XXXX during the time the check was sent on XX/XX/XXXX, it was not signed for by myself which is fraud. I did not receive the funds, Capital One still owes me the amount of XXXX.
I really was n't sure which subject to pick, but here is what happened. I had cable service with  XXXX   XXXX   XXXX  and canceled my service I believe in   XXXX   XXXX   XXXX   leaving a  XXXX  balance. And had service connect with  XXXX   XXXX  which had purchased  XXXX   XXXX   XXXX  at the time. So  XXXX   XXXX   XXXX  sent me a bill initially in the amount of  XXXX  so I called and inquired about it. I called on  XXXX / XXXX / XXXX  and spoke with a  XXXX , she informed me that it was for equipment ( modem ) and that I just need to return it to any  XXXX  store and they will ship it. So that 's exactly what I did. I took all their equipment to the  XXXX  store on  XXXX . And upon leaving  XXXX  I was told to be sure to keep up with my receipt because  XXXX   XXXX   XXXX  has been known for this very thing, of accusing people that that owe for equipment. Because they do n't scan it in or anything, they just throw the equipment in a box. I reached out to  XXXX   XXXX   XXXX  again in  XXXX   XXXX  when I received mail from them saying I owed. I spoke with an  XXXX  if I 'm reading my notes correctly and she told me she sees where I turned the equipment in and apologized for the error. So  XXXX   XXXX  around I I receive a letter from the collection agency about owing  XXXX  so I told her I do n't owe and she asked was I disputing the claim and I said YES and she told me she would send it back to  XXXX   XXXX   XXXX  and they would get back to me. I have  XXXX  to hear anything from them but in the process of trying to straighten up my credit, checked my report and see this  XXXX  on here. I have pictures of allllll the equipment and serial number of the equipment RETURNED. And I 'm not sure but if I owed  XXXX   XXXX   XXXX  they would n't still be sending me advertisement trying to get me to get internet through them. And I have tried several times to contact  XXXX   XXXX   XXXX  but they have an awful automated system and I have n't been able to speak with an actual human. I have no problem paying the debt IF I owed it BUT I do n't and this really irritates me. I 've kept up with a few notes I made to myself that I have attached below. I also attached a couple of pics of the equipment serial numbers that I dropped off.
I received a collection bill via a collection agency called XXXX XXXX XXXX XXXX . They claim I owe {$250.00} to XXXX as of XXXX/XXXX/XXXX. However, I do not have a XXXX account. The bill itself looks sketchy. 

The bill says to send payments to this address : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA. XXXX The return address on the envelope is different. it is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
On XX/XX/XXXX I filed a complaint against XXXX as I was reciving threatning calls from the debt company they sold my supposed debt to. I was contacted by XXXX on XX/XX/XXXX by XXXX XXXX a debt credit manager stating they were in the process of buying the debt back and marking it as paid in full, I still have all emails. Here we are XX/XX/XXXX and I just recived a email from XXXX XXXX XXXX XXXX stating I must pay half of the orgional debt of XXXX. Now spotloan has told me multiple times this account is marked paid in full and closed. But yet they tend to try and sell my loan every few years now. This is harassment and is affecting my life at work and home.
copy to cfpb ombudsman team also email document to cfpb ombudsman unresolved issue ... 
XXXX XXXX XXXX XXXX IS NOT MY LENDER acts contrary to honesty and justice making false statements or AND present false statements BY under the control of ocwen loan serivcers ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. presenting lost note that has been fabricated or doctored documents, these need to be brought under the attention of Economic Crimes Division of the XXXX State Attorney General 's office FOR investigation.
Inquiries despute XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Amex XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
I have tried everything in my power to get on a pay as you earn income driven repayment plan. Yet everytime I talk to a servicer something supposedly will be done and they tell me what steps to make and I follow through on my side. I have filled out dozens of applications, I have done what they have told me yet everytime I call back they tell me to fill out another application and that they only see this and that ... but not the complaints I have made and they requests puts in for pay as you earn.In the meantime my forebearance time is running down and interest keeps buildinging up and capitalizing and yet nothing gets done on their side of the wheel. I need help. I need to be put on the right program.
I paid my last bill with XXXX XXXX on XXXX/XXXX/2013, and that paid for my internet services up until XXXX/XXXX/2013. About a week later ( the week of XXXX XXXX ) I called to cancel my services. The representative asked if I wanted a refund or use the services I paid for up until XXXX/XXXX/2013. I chose to use what I paid for. So at midnight on the night of XXXX/XXXX/2013, they were cancelled. A month later in XXXX, they sent me a full bill for internet with charges for a full month of services with them ( XXXX XXXX ) and a bill for XXXX XXXX. XXXX I had bundled with XXXX, but cancelled the XXXX services in XXXX 2013 and received a refund for the prorated amount. I called to let them know I had already cancelled both services, paid all that I owed, and even got a pro rated refund for the XXXX XXXX XXXX I had n't had since XXXX, but XXXX refused to clear the extra bill. They sent me to collections, I disputed it and it was taken off my credit report. Now that I 've applied for a mortgage and got a copy of my credit report, I see that they re filed the bill through XXXX different collections agencies at the beginning of this year, but I was never notified of this. Looking at the report, it looks like the XXXX company is called, " XXXX '' and the XXXX is called, " AFNI '' which I have never even heard of.