WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX I was attempting to acquire a landline telephone service from XXXX XXXX XXXX ; spoke with " XXXX '' in which a temporary number was issued, XXXX ; stating {$34.00} monthly waiving the activation fee. A few days later XXXX telephone wires arrived in the mail. I wanted to KEEP my existing old number ( XXXX ). Time passed, my " old '' number was not ported out and completion of the order was not finished leaving me without any service. I obtained WI-FI with a different company. I called XXXX XXXX XXXX and informed them I did not have service with them when months later they sent a {$100.00} bill. Afterwards, several collection agencies were demanding the amount of the bill. I contacted both XXXX XXXX XXXX & the collecting agencies and informed them the debt was invalid. XXXX XXXX XXXX told me it was with a collection agency & the collection agency told me to contact XXXX XXXX I spoke with " XXXX '' on XXXX XXXX -- collecting agency XXXX ; and " XXXX '' on XXXX when he stated " no longer has account ''. I asked them to remove the debt from all three credit bureaus which has harmed my financial status.
On XX/XX/2018 my bank account was closed for withdrawals. I called Capital One. 

They stated that a payment I received had been marked as fraudulent and unauthorized via XXXX, the payment amount was for XXXX on XX/XX/2018. This transaction was the payment for the receipt of digital goods off of XXXX. I engaged with a trade for XXXX with a user, and they authorized this payment. 

The bank froze all my funds, despite my account balance being ( XXXX ), including access to my direct deposits ( which were verified and cleared ) of XXXX and XXXX. They allowed me to make a withdrawal of XXXX but I was on the phone for six hours, I do not have any verification from them about this transaction. They also did not dispute this charge with me, they did not ask for verification ( which I have! ) on the XXXX which includes encrypted, signed and verified chat correspondence with the user ( for the exact amount ), the payment method. 

I have attached screenshots of verifications of these transactions. They can be looked up on the XXXX network ( XXXX XXXX XXXX ) which is an UNCHANGEABLE registry of actions. I can provide additional documentation. 

In addition, the account associated with my XXXX  account balance here shows ALL the funds deposited to this XXXX  account. 

They are asking me for unreasonable information such as the contact information of the user, rather than asking me for proof of the transaction, which was verified on the ethereum network. In addition, they are closing ALL of my funds, including funds that were in no way due to a payment, while I was on vacation.
I check my credit transfusion credit report and I noticed that all my inquiries had been removed 3 days later I checked the credit report again and the inquiries were back on and by law if inquiries go back on my report I 'm supposed to get a five day notice and I did n't receive this letter in the mail so I want the inquiries removed.my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Arkansas XXXX My date of BIRTH is XXXX/XXXX/1965 My social security number is *********** Thank You in advance
This company Wilber and Associates took money from me by making a false promise that I would not have my license suspended by the state if I paid them a certain amount by a certain date. I gave them exactly what they asked for and they did the exact opposite of what they told me that they would. They put me in an indigent situation and now they are they did not do what they promise.
On Monday, the XX/XX/XXXX at XXXX XXXX two separate charges, each {$100.00}, totaling {$200.00} appeared on my bank statement from XXXX ( a digital wallet company, ) The description listed along with the charges is as follows : XXXX XXXX NY. I have never heard of XXXX. The charges are not mine. XXXX clearly states on their website they are unwilling to assist any one that is not in possession of a XXXX account, and are unable to reimburse any lost money due to fraudulent charges made by their users. I made a phone call to PayPal 's customer service number and was not provided any helpful information or hope of a resolution to this issue.
I have contacted Nordstrom multiple times pertaining to this issue. I was advised that I was approved for the Nordstrom Visa but since I had to implement a Fraud Alert due to the most recent XXXX   breach. I had the great opportunity of speaking with someone in upper management in the corporate office and when speaking with a customer service representative and a manager I was advised that all Nordstrom card service needs to do is verify my identity. In doing so I sent front and back copy of a current Florida state drivers license current front and back copy of my Social Security card and a current utility bill showing my name on the bill as living at my current address and I have done this more than three times and in spite of doing so and complying with what they requested taking time out of my busy schedule. I sent them the documents requested well on XX/XX/2019 I have enclosed a letter that is basically the notice that Nordstrom card services to receive my complaint with the consumer financial protection bureau. When a consumer gives information such as their employer and in my case I am a XXXX I believe I have been discriminated against against the fair credit lending act there should be absolutely no discrimination based upon spiritual or religious affiliation or organization. That being on my application and through conversation I am being discriminated against by Nordstrom card service to receive the visa card that I shouldve received because Nordstrom card services received the documents clear as day in fact I believe in color that they requested. Since Nordstrom has merged with TD Bank they had been the worst and out of compliance of the fair lending act.
I have signed XXXX different car lease contracts and XXXX purchase loan since XXXX 2011 with Honda Financial Services through XXXX different car dealers in XXXX, Georgia ( XXXX XXXX Honda, XXXX Honda and XXXX XXXX ). In all of these cases, the experience of dealing with the financial manager was extremely stressful and I truly believe that the XXXX contracts I signed were outrageously overpriced ( over {$300.00} per month ). Due to my lack of knowledge in the financial aspect and the urge of my family to have means of transport in this complicated city I was left with no option but to sign these contracts. When I commented with my coworkers about my monthly payments they would always say, " But why are you paying so much? '' Also, when I watched TV commercials I would see ( and still see ) that lease offers were much more below than what I was really paying ( up to {$150.00} less ). On my latest experience purchasing a Civic at XXXX XXXX in XXXX, the salesman even told me that my monthly payment would be {$500.00}. I protested and said that I would never pay that amount! He quickly called the financial manager to not lose the sale. I read this week about the discrimination lawsuit against Honda Financial Services and it made me deeply think that being myself a XXXX this was the reason why I was being overcharged on my different contracts with this company. I want a revision of my contracts with Honda Financial Services.
I sent money through XXXX App for my bills which was {$450.00} and {$60.00} to one person & {$310.00} & XXXX $ to another person. Chase Reversed the money from their accounts by filing a dispute that I never approved. They took the funds out of my account twice and they wo n't return the funds to the appropriate people or to me. I need them to give them their money back and return the money that they owe to my account. I never approved those disputes. I only dispute an XXXX charge.
I am a veteran but I am currently an XXXX XXXX dependent XXXX with my wife in XXXX, XXXX. I bought a condo in XXXX, XXXX in XX/XX/XXXX. XX/XX/XXXX was the recession and the drop in housing. I left my job there in XX/XX/XXXX and moved to XXXX for a different job. I was renting out the property without issue until I lost my job in XXXX. My loan is with Select Portfolio Servicing. It 's an XXXX loan and I believe the XXXX % belongs to XXXX XXXX. With losing my job, I could n't pay the mortgage. I tried and tried for a short sale but was denied at every turn. I did n't feel like it was ever a possibility. I subsequently had to file for bankruptcy in XX/XX/XXXX. They kept coming after me for the money even after the bankruptcy went through. Because I could n't really help myself in the states and had no one close to the property, I retained a lawyer about a year ago to handle figuring out when/if the place was ever foreclosed on. The lawyers have been doing a decent job keeping me posted but I feel like the mortgage company is dragging their feet on purpose. I believe the property is currently going through a sheriff sale but I have no idea. I ask the attorneys, they say it 's not on the list, and it has n't happened yet, and they 'll get back to me. I believe the problem is with the mortgage company or the state. All I want is some transparency. I want to know why I was n't helped with a short sale. I want to know why I was n't really helped with this situation at all. 

Also, this entire time, I have accruing association fees at $ XXXX/mo. because my condo was a part of an " association ''. This happens even if I 've declared bankruptcy and could not pay. How in the world is this fair? The property belonged to the state of XXXX ( where I declared bankruptcy ) since XX/XX/XXXX.
Equifax leaked my, and hundreds of thousands of others ', personal information in XX/XX/XXXX. Initially I was concerned my personal information may have been compromised, along with so many others, but when my identity was stolen in early XX/XX/XXXX, I became sure. This is absolutely unacceptable and something needs to be done to hold Equifax and other companies accountable! Please do something!
I am complaining about XXXX XXXX for HARASSMENT! 

My husband and I are both cosigners for our sons Smart Option Student Loans to XXXX XXXX. 

In XX/XX/XXXX through XX/XX/XXXX, we cosigned for our son for the Smart Option Student Loan, which consists of six loans. My son has been paying these loans holistically since he first received his pay check in XX/XX/XXXX from his job at the hospital as a nurse and up-to this-time. As a matter of fact, all of these loans have been applied for auto-pay. 

Since XX/XX/XXXX, weve been receiving non-stop emails, letters from the mail and phone calls. We received phone calls constantly almost every day, some of these calls are not showing the phone numbers on our phone screen. Sometimes, it shows restricted or unavailable or private. We can only recognize who called us when we listen to the voice mail. When we called the number that was provided on the voicemail, we often waited to get a human being to answer our calls, sometimes we got lucky if we were answered within 45-minute wait, after we discussed what we were calling for the person said, " your payments are up-to-date. '' Another occasion that I would think it was an harassment was : XXXX XXXX Representative, XXXX is the name he gave me called my work phone at around XXXX. ( On one occasion, they collected three times from my sons bank account and they were apologetic because of their mistake and they returned the access amount to his bank. ) Another that I believe that it is an Harassment was their electronic mail. The email says, Your XXXX XXXX student loan ( s ) requires your attention. Log in to XXXX to review your account information. Signed by XXXX XXXX - XXXX XXXX Soon as I clicked on the link, it's an offer for another loan ( This is misleading people like us to open the email. ) Another instances was The letter from the mail. The letter says, Late payments may result in your XXXX XXXX loan/s being reported to the consumer reporting agencies as delinquent. Negative information on a credit report may adversely affect your credit rating. Its important to know that delinquency can stay on your credit report for up to seven years.

This is too much! Not only are they harassing us but also threatening us. Those statements really are very stressful!

I am hoping that you would help us to STOP them harassing/threatening/stressing us. We want them to STOP calling/ emailing/ sending letters in the mails with deceiving/threatening statements. We do not need them to bother us. My son 's payments have been enrolled for auto-pay.

Thank you in advance for your time and assistance. I highly appreciate it.
I responded to an introductory offer the end of XXXX by a company called XXXX XXXX for a XXXX and with it came a XXXX sample. It was FREE and the shipping costs were XXXX and of course I had to give them my credit card to mail the offer. I received both samples but also was billed 4 times in one month in the amount of {$89.00}, {$87.00}, {$89.00} and a XXXX th charge of {$87.00}. I called the company and told them I never authorized the usage of my credit card for additional shipments and there was nothing transparent in the introductory offer that advised more shipments would be forthcoming. So, I received my introductory package and called and cancelled the order when I received package number two which I did not ask for nor did I keep. I returned it to the sender and received two cancellation numbers XXXX and C XXXX. 
What is surprising about this is that today when I checked on the balance on my Frontier XXXX XXXX card they reversed the three of four credits and are charging me for products I did not request, charges that I did n't authorize and merchandise that I did not receive. I have had an XXXX XXXX XXXX and Platinum card since 1984 and have never once had an issue with fraudulent charges and have come to expect credit card companies to protect their customers from unwarranted charges. Apparently, it is in Frontier XXXX XXXX 's best interest to side with the vendor and they obviously did not do their due diligence even though they have had three months to figure this out. I will cancel my card but wanted this published so other card members will not be surprised that this company does NOT have your back.
I have inquiries with equifax that was deleted because, I did not authorize them and no knowledge of some of the companies. Equifax added these inquires back on without any notifications to me and i have tried resolving the issue with Equifax with no success. 

The inquires are listed below : XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX ) * XXXX XXXX XXXX XXXX - ( XXXX ) *XXXX Loan - ( XXXX ) *XXXX XXXX # XXXX ( XXXX ) * XXXX XXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX XXXX *Eagle Louisiana XXXX XXXX XXXX XXXX *XXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX ) *XXXX XXXX, XXXX XXXX XXXX ) *XXXX  XXXX ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX XXXX ) * XXXX  Bank XXXX XXXX ) * XXXX ( XXXX XXXX * XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX - XXXX XXXX XXXX ) * XXXX XXXX XXXX ) * XXXX XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXXl XXXX XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Financial ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial ( XXXX ) * XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX Na. ( XXXX ) * XXXX XXXX XXXX Services ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX  Finance # XXXX ( XXXX ) * XXXX bank XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) * XXXX bank ( XXXX ) *XXXX ( XXXX ) * XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX Louisiana XXXX ( XXXX ) *XXXX XXXX Bank XXXX XXXX XXXX ) *XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX ( XXXX )
Received a collection attempt from a XXXX Hospital. I have never been to a XXXX Hospital. 
Dated XXXX/XXXX/17 Have no idea what they are talking about. 
Submitting this to XXXX also. 
Frost-Arnett is attempting to collect a debt not owed.
XXXX credit reporting agency 's or fax and the other main XXXX have my credit for only two or three years. That 's a lie! My XXXX XXXX card alone I have had for 40 years this makes my reporting on the time of credit shows only two or three years a lie! Both XXXX and Trans Union show my age of credit as two or three years! I want this changed! XXXX agency shows XXXX hard credit inquiries and the other shows only XXXX. I have not allowed XXXX companies to do a hard credit report on me, so if they are there it is False filing!
I have applied for mortgage assistance with Wells Fargo several times over the past few year and they keep denying me saying that theirs not a 10 % change in payment if they modify it. Well of coarse their not going to be one because they are comparing a 30 year fixed payment to an I.O payment that they have me on that goes up every year. I filed a appeal in XXXX and XXXX because they were using the wrong payment to calculate my denial and when I proved through XXXX they just said well he would n't have qualified anyway. They denied me again this for the same reason but I found out that theirs a XXXX guideline that requires them to use the fully amortized rate not the I.O on I.O ARM LOANS and now their saying that it does n't apply to me because my loan is not a ARM but my loan goes up every year. They have manipulated these guidelines for years for years for their benefit. One year they even reported that my home had been foreclosed on and was a XXXX and I had people contacting me and disturbing my family. Please give me some teeth behind this fight!
On or about XX/XX/XXXX, I called Citi-Mortgage and inquired  about setting up bi-monthly payment. Their representative said that everything was taken care of, and I could submit bi-monthly payments whenever. I submitted my first payment on XX/XX/XXXX and the second payment on or about XX/XX/XXXX.

Citi did not apply the XX/XX/XXXX payment to the XX/XX/XXXX payment. They instead applied the payment to principle. For the next 8 months, the payments were out of sequence, with the mid-month payment finishing payment for the current month instead of becoming the first payment of the following month. They never sent me a late payment notification, so I had no idea this error was occurring. Once I found out about their error, they refused to fix their mistake. 

In XX/XX/XXXX, they sold my mortgage account to another company. The payments were still out of sequence. The new mortgage company required me to pay both of my bi-monthly payments for XX/XX/XXXX so that I was current. Paying on XX/XX/XXXX would generate late fees. Because Citi never fixed the problem, I had to pay an additional half of my mortgage payment in the same month, making three 1/2 payments to keep avoid late payment and fees. 

Citi lied to me me about being able to make bi-monthly payments beginning in XX/XX/XXXX. 

Citi never informed me that the XX/XX/XXXX payment went to principle. 

Citi refused to fix the issue with the payments I made in good faith.
Citi then sold my account to another company before fixing the issue.
Citi denies that I ever contacted them in XX/XX/XXXX about setting up payment.
During the refinance process in switching from Wells Fargo to XXXX the lien release was not properly submitted or recorded by XXXX County, PA. We are just now finding out that the satisfaction from Wells Fargo for their mortgage in the amount of {$160000.00} consummated in XX/XX/2004 ( and that is the satisfaction that is missing from the Pennsylvania database ) was never completed. I am trying to re-finance my house through XXXX and am unable to do so as their is a lien on the property. I have never received any sort of documentation over the past 13 years regarding this loan and as anyone would, I assumed that Wells Fargo completed all of the required documents. 
Additionally, I am a little surprised that the the XX/XX/2004 mortgage was recorded ( generally the lien placement would be rejected based on there already being a recorded lien on the property. That said, the proceeds from the XXXX company transaction must have arrived to Wells Fargo, the lien was just not properly released ( otherwise you would have heard about this way before now ).
I would like to bring to the attention the deceptive bait and switch practices of Bayview Loan Servicing a third party servicer to my mortgage loan with XXXX. I fell on financial difficulties and broke not XXXX but XXXX repayment plans not knowing that my repayment could extend for up to six months. In my initial repayment plan I was offered that option but in my second I was not and could not afford the over almost XXXX payment with Student Loans, Childcare for XXXX children as a single mom coming out of a messy divorce. 

That on XX/XX/2017 I received a call from XXXX XXXX who direct dial is XXXX and can be reached via email at XXXXXXXXXXXX regarding my delinquent account. During that phone call I expressed to XXXX XXXX that I would like to enter into a repayment plan. Telephonically we agreed to a XXXX XXXX where my default arrearages would be spread out over the period of XXXX months with my initial downpayment due on XX/XX/2017 in the amount of {$3500.00} and my subsequent due every XXXX day of the month for the next six months for the rest of the arrears. Fast forward contacted me on XX/XX/2017 to state that I was approved for a loan modification where my loan would be essentially be restarted and will be over the next 40 years. Because I was in the midst of a emergency family matter I could not address the issue but later contacted XXXX XXXX and alerted him this is not what we agreed to. I would like the Maryland State Attorney, HUD, CFPB and other regulating agencies to investigate my loan and other consumers that may have fallen plight to something like this. While I understand that it may appear beneficial we all know that a restart of my loan for 40 years does not benefit me but the mortgage company. More importantly XXXX XXXX 's repayment schedule and plan that he claimed is on its way well let 's just say I never received it. XXXX XXXX contacted me today XX/XX/2017 stating that my call was on a recorded line. I in turn stated that Maryland XXXX requires that if I am recording our conversation that he was on a recorded line as well. XXXX XXXX stated that it went against Bayview business practices for consumers to record him. I let him know that I am sorry he feels that way but having been deceived by him I can not speak to a company that wants to record me but they not want to be recorded does not even make any plausible sense for a consumer to fall plight to something. Because Bayview will not willingly provide the transcript of the Repayment Plan I am asking for CFPB to intercede and get the schedule and transcript of calls in XX/XX/2017 to prove this material fact. I also ask that XXXX XXXX is held accountable for this as well by Bayview.
Ive paid off my major three creditors and they are trying to double charge me I have a XXXX balance and then all of a sudden I have a balance again, they got paid, I have the proof and screen shots from Aargon agaency. One was XXXX $ the other is XXXX $ and Im getting charged double my debt shouldve been XXXX instead its XXXX $!!! Now its XXXX, but I have my letters of deletion and paid in full. Its very odd to me that creditors can bully people like this. I should be debt free now since I was caught in two breaches but Im still screwed and I paid off XXXX in debt, and its stills showing and I have XXXX in new cards and its not showing
XX/XX/XXXX and XX/XX/XXXX debt was sold to CSR I was not aware of this and had paid the doctors bill office the money due.
Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account XXXX/XXXX/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored.