WillisBack/dataset-financial-user-claim huggingface dataset:
Western Union is a horrible. This was done via website. I was declined twice for a small amount of about XXXX money transfer united states to vietnam. 1 ) declined using credit card cash advance method. I verify that my cc issuer did not decline this. It was declined after they called me and asked a few personal questions which i answered. 2 ) declined using WU pay. i paid upfront through bill pay service of my bank. After the funds cleared they decide to call me and basically ask the same personal questions. after a 20minute conversation, they decide to decline my transaction. no reason given on both occasions. i will never use western union again and they will always get negative reviews to anyone who will ask my opinion. 1 ) no money could have exchanged hands if these questions were asked during the creation process of this money transfer. 2 ) refund of wu pay takes 7-10 business days and i never received notification of this transaction being declined by phone.. i had to call back and ask. I still have not received notification of transaction being declined. now there is {$300.00} pending 7-10 business days for a transaction that took me 1 business day to clear. I asked why? they mentioned international transaction, which i think is a load of XXXX. the money should not have went so far, only to the bill pay address of a XXXX XXXX XXXX ohio ... and this is an electronic transaction.. bottom line, all of this is a waste of time leaving me the consumer having funds witheld due to westerns union 's erroneous policies. First of all, i did not even know there was an approval process to send my own money to a person i know. Secondly, what was the purpose of asking question and then declining on my behalf??? ridiculous..Now that i know this, i realize how stupid there transfer process is. All of this could have been prevented if the approval process was plainly stated before creating the transfer. In other words, the questions that they asked me, why could n't they ask me before i handed over my credit card and paid via bank bill pay? this is load of XXXX and a huge waste of time. i will find services elsewhere.
I received a letter from XXXX ( which I assume is a debt collector ) they are trying to collect on someones Paypal Credit account, but its not mine. I do n't even have a Paypal account. The letter does not tell me much just that it 's a Paypal credit account.
I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction  ( s  ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX  INTERNAL REVENUE SERVICE #  XXXX
Received email today XX/XX/XXXX about my payments which have skyrocketed when I called and inquired I was told my Autopay was turned off in XX/XX/XXXX without my permission or consent as I was trying to reach to lower my monthly payments due to the strain on my income and bank account. Is this legal ; what can I do?
My name is XXXX XXXX and I 've been trying to sell my deceased mothers home thru Wells Fargo. I began my efforts on XX/XX/2015 to sell my mothers home and sought the help of XXXX XXXX to sell my mom 's house at XXXX XXXX XXXX, XXXX, NC XXXX. I ca n't seem to get Wells to finalize the sale. I totally believe they are dragging their feet and slowing down the process to extract more funds from me. I need help, PLEASE. XXXX XXXX, XXXX, XXXX, XXXXXXXXXXXX.
For the billing period  of  XX/XX/XXXX  we had sent an electronic payment on  XX/XX/XXXX  and the funds were received and deposited by Ally Financial on  XX/XX/XXXX . They claim that the account number was left off the electronic payment and they did n't know where to apply the payment, so they issued a refund check and mailed it back to our address on   XX/XX/XXXX  making it 30 days late. upon receiving the  the check we immediately sent another payment and called to pay over the phone s o 2 pa yments were made. I have tried disputing this situation on  XXXX   XXXX  and it was denied. I even talked to Ally and was told to write a letter and fax it with bank statements showing that the funds were withdrawn before the 30 day late period. They received everything with proof that they received the funds in time and still denied removing the 30 day late payment on my credit report. We were just about to start the process of buying our first house when this happened and because of that 30 day late m y credit score h as dropped severely.
I have repeatedly sent letters of dispute via certified mail regarding a XXXX account that is not mine to both Experian and collection agency responsible for the account. I have also contacted the original creditor directly by phone which then sends me back to the collection agency. I have repeatedly asked for validation of the debt that is NOT MINE, and have still till this day received no proof from anyone. After months of disregard by these agencies I have finally received a letter from the collection agency that holds the account ( XXXX XXXX ) that I do not owe this debt and has been closed which I will attach to this complaint. I have sent this letter to Experian to remove this account from my credit report and yet they still will not comply even with proof that I do not owe this debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. By Experian not removing this account from my credit report, it is hurting my ability to obtain credit and will be rightfully sued for this false information if this complaint does not help. Please advise I am at a loss of patience with this company ( Experian ). This whole situation does not make any sense. In conclusion, I sent Experian the proof that this account doesn't belong to me and yet they still respond that I owe the debt with XXXX who then tells me I owe XXXX XXXX who then tells me I no longer owe the debt. Can you see the vicious circle here? This is crazy and I do not see any other recourse then to file suet with this company. Please help. Thank you.
In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX  ). A credit report inquiry by XXXX revealed XXXXne derogatory line on my credit report ( Item 29 XXXX : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer
I received a call XX/XX/XXXX from a person from GCAB ( Greater Collection Agency Bureau ) They knew my full name, ss #, bank information, everything. Said I had a debt from an online payday loan company in XX/XX/2013. I've never done that. The person that took the loan out was a different name. He said he'd give me until Wednesday to figure it out or they will file a judgment and it will be on my credit. I'm not sure what to do. This is the number they left. ( XXXX ) XXXX-XXXX
I sent a debt validation letter to Franklin Collection Services XX/XX/XXXX. They responded XX/XX/XXXX saying that " per my request here is a copy for a final bill '' ( See attached ). 

That is NOT sufficient validation of me owing the debt.
On XXXX/XXXX/XXXX. I was approved for an auto loan through XXXX XXXX XXXX. They also operate with other names, all of which I can not think of. My loan with them was, for the most part, smooth but fraught with terrible customer service. On XXXX/XXXX/XXXX, I was apparently late for a payment and XXXX XXXX XXXX decided to repossess my vehicle. After jumping through hoops with them, I paid off the collection fee AND the repossession fee that same day. The total amount for that transaction was about {$540.00}. This is even reflected in my payment history which I had requested from XXXX XXXX XXXX. My account was closed with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and everything was satisfactorily paid in full and my account balance was zero. I received my title from them, and immediately filed for a new title to completely remove XXXX XXXX XXXX as the lien holder since I did not trust them one bit. That vehicle in question was later traded in to purchase a new vehicle sometime in XX/XX/XXXX. Prior to that, in approximately the beginning of XX/XX/XXXX, I applied for a mortgage. My mortgage agent stated to me that on my credit report, through Transunion, the XXXX XXXX account still shows as open with a balance of {$540.00}. I immediately called XXXX XXXX and they stated that my account shows as paid in full. I requested proof of that, and I was mailed out my payment history. I asked the representative to immediately report my account as paid in full and closed, but she was not helpful in giving me any information why it was still open, and instead told me to go online and file a dispute, since " they did everything correctly. '' I am filing this dispute with the CFPB against XXXX XXXX XXXX for pure negligence in reporting my account as correctly closed and paid in full to Transunion. XXXX XXXX XXXX is rude, completely not helpful, and deceitful in every imaginable way. They need to be held accountable for their shady tactics and deceitful business practices. They were no help at all, as offered no sympathy or assistance in assisting me to resolve this issue.
I have a loan for my home with SPS serviceing my wife has been out of work due to a XXXX and XXXX my job is the only income. irequested help from SPS they sent me the paper work and sent it in in XX/XX/XXXX here it is XX/XX/XXXX and they tell me that they turned it down because they did not get the documents. they said I could submit the again with I did and I confirmed that thay di get them. I realy want to keep my home and keep paying on it. and I 'm trying as hard as I can to work with them but I keep getting this run around my name is XXXX the home address is XXXX XXXX tn. the home is up for sale in XX/XX/XXXX I 'm working as hard as I can to get this held off until something could be worked ou on getting the payments current. my home number is XXXX muy home is XXXX so I 'm asking for any help that you can give me with this issue.
Chase credit reporting a " charge off '' account XXXX {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.
Good Afternoon, My name is XXXX XXXX XXXX and I originally took out student loan in XX/XX/XXXX with Sallie Mae for the amount of {$12000.00}, which is now owned by Navient. Yes, I admit I have put my account on forbearance more than I should have.Well, now I have an amount of {$32000.00} to pay back. Well, I have been a XXXX XXXX XXXX for 27 years, 14 of them being in XXXX XXXX XXXX in Georgia. I filled out the documentation necessary to have {$17000.00} removed from my overall balance. They said it would take 6 weeks to get an answer. I waited for 2-3 months, until I called them to get a reply. The woman on the phone stated that I was accepted into the program where that {$17000.00} was going to be forgiven. The floor manager said they have no record of me calling them, and that person, whoever it was, gave me the wrong information. They say that I AM NOT forgiven the {$17000.00} because the loan was issued before XX/XX/XXXX. That was not told to me until now ... 3 months later of talking to the woman who said I did qualify. The manager, once again, said I should have received a letter from them stating that I was denied of this program ... WHICH I NEVER RECEIVED!!! ... even though, I have been XXXX XXXX XXXX for 27 years and again 14 years in XXXX XXXX XXXX. I am usually not a person who cusses, but I did with this floor manager, and for the first time, I am not sorry for doing it. I NEED HELP PLEASE!! I am a XXXX who supports her XXXX year old mother. Please help me in this matter.
In XXXX 2016 I submitted a written request to end escrow of my HOI and ESCROW TAXES ONLY. I received a call in XXXX indicating they received the request to ESCROW TAXES ONLY. Nationstar did not process my request until XXXX 2016. When they processed the request they closed my escrow count completely. I requested to ESCROW TAXES in all communication and instead nationstar mortgage closed my escrow account completely. I have never asked them to close my escrow account completely. I have always asked for ESCROW TAXES ONLY. I am now having to make 10-20 calls to have this issue fixed and I have a tax payment that is due from escrow next month.
Chase has called my job 3 times in attempts to collect a debt. I never gave them my job number but somehow they have tracked it down. I can lose my job for this. I would like for chase not to call my job. At this time I am enrolled in a debt consolidation program.
After I leased my new vehicle on XX/XX/2018, I spoke with a person making sure what I had to do regarding insurance for both cars. I knew I could not return my XXXX at the end of XXXX. However, later I learned I could not return it until XX/XX/XXXX unless I wanted to pay additionall fees. 
So I kept it and paid for the month of XXXX knowing I would not be driving it. I called in XXXX to cancel the insurance with XXXX XXXX in because I changed insurance companies beginning XX/XX/2018, and found out the account had been closed. I assumed they were aware of my business with the new insurance company and new car. My sales rep had said I was also covered for several weeks so I was safe. Anyway, now I have this collection notice? I am confused. I called to cancel and could not, because the account was closed. How can this be fair? I feel I am not liable. 

Please help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
i overdrafted my account seberl times now chase has restricted my acount wont give me my direct deposit which is almost XXXX dollars and its going on a month now. they took their money and keep telling me that the system will close it but drawing intrest on it.
I had an auto loan with Wells Fargo- originated when I lived in NY and purchased a vehicle there. I lived in VA when I paid off the loan, and received a letter from Wells Fargo at my Virginia address stating they would send me the title at my VA address. That did not happen. This week I purchased a new car and need to transfer the title to the old car, the one I bought with Wells Fargo loan. VA DMV says Wells Fargo maintains an e-lien hold on it and Wells Fargo needs to remove it. Wells Fargo says this is an issue for NY. I have no way to get my title cleared at VA DMV ; both NY and VA insist this is a Wells Fargo issue. I have been in to several branches and spent hours on the phone with these people over several days. 

I am bounced from one " team member '' to another with nobody able to help me. They are taking advantage of me and waiting for me to give up instead of fixing the problem.
XX/XX/2018 company put a collection on my credit that's not mines, asked them to validate the debt. they said they don't need to and hang up phone
LVNV Funding , LLC bought this debt from XXXX credit card for pennies on the dollar. They in turn continue to have multiple companies contact me regarding payment. I 've asked them to validate this on several occasions but did n't get any information back until I sent a complaint through BBB. I have requested to have this account deleted as I have no contract with them but they refuse. My now deceased husband 's cousin got this card fraudulently in my name. I am not responsible for any amount owed.
I was approved for home modification.I completed my trial period and received docs with a sound ve ex husband name on docs.I applied for modification in only my name.I called my poc to inquire why his name was docs since I hadnt applied with his name on any my info.I was told that she would check into it.I received a call several days later informing me that because I live in a community property state that I needed a quit claim deed from my son to be ex and that would solve my problem.I was able to get a wuit claim from my soon to be ex husband and I faxed it over thinking that I solved the problem.I contacted my PIC and I was told I needed Divorce Decree.I informed her that she had.told me.that I.only needed the quit claim deed and that it would be impossible for me to get a divorce decree before 6months.I asked for a supervisor .I received a phone call from.the supervisor and I was told pretty much if I did n't get divorce I would lose my modification.I then filed a complaint with.Wells Fargo informing them that I didnt feel I was been treated fairly since I had did everything that I was supposed to do and that because im getting divorce im being penalized for.something I have no control over.I purchased my home 20years ago.and I have only veen married 2.5 years.I complied with everuthing they asked of me and im getting treated terrible.I received a call from them today telling me pretty much that if I didnt get a separation agreement that I would lose modification.This has caused emotional stress, headaches, sleepness nights I have XXXX has been an horrible experience.I would n't wish this on anyone.Please help me resolve this issue
We are subject yet again, to more delays from JP Morgan Chase ( " Chase '' ), under the pretense that they need more time to research our fraud complaint on the above loan modification. Always more time needed to research information. How many years of research do they need, when during the fiasco that Chase XXXX representatives advised me that my file at the company was empty. Nothing was recorded. Nothing in it about a verbal mortgage. Nothing in it about my payment to them was not accepted. Nothing in the file that stated how much I should pay each month for the mortgage. Almost two years of RESEARCHING?? or stonewalling!! Nothing to report but a regurgitation of incorrect information. And the man on the corner that holds up the grocery store gets to go to prison, and XXXX XXXX is still free to collect his millions each year. Well, XXXX XXXX is only the tip of the iceberg. Dishonest bunch the lot of them. 
It is totally unacceptable because we fervently believe they have no intention to come clean. Chase has acted in bad faith and knowingly and intentionally stonewalled our requests for closure on this matter. They wrongly believe that this matter will go away by simply dragging their feet on it. As a direct result, they requested XXXX delays through XX/XX/XXXX. XX/XX/XXXX is a corollary of the previous year. Just more unwarranted delays, with no end in sight. 
A few weeks ago, if someone related the misdeeds of XXXX XXXX, no one could ever fathom the brazen corruption that they perpetrated on their own customers. Chase 's fraud and misdeeds across the globe are legendary but there is still one vestige of the mortgage meltdown that needs vigorous investigation. Like XXXX XXXX, we too have insiders who witnessed and reported the callous ways in which Chase used deceptive practices to trigger a foreclosure on our above modification - through the aforementioned verbal mortgage. When this failed, they piled on excessive charges that destroyed the equity in our home. 
Again, we are not late or behind in any of our current payments to Chase. We are not asking for relief or a new modification. All we are asking for is a full and fair investigation into what we believe is the fraudulent activities in our mortgage loan modification, after Chase took it over from Washington Mutual. Most important, since you are now wrapping up proceedings on XXXX XXXX, this would be an opportune time to turn your attention to Chase - where we have insiders that confirmed their misdeeds. I am willing and very able to testify before Congress. 
Please advise how you would like to proceed on the above because we believe only a criminal investigation will force Chase to finally come clean on how we and perhaps countless other mortgage holders were defrauded. Looking forward to a speedy resolution. 
I have extended the courtesy of not going public with what I know, to give JP Morgan Chase the opportunity to make things right. Obviously they seem not to have any desire to do so. I guess they would like to be the next one on the hot seat with Senator XXXX XXXX asking the questions. That I can arrange for them.
I paid down my home equity line of credit to XXXX but kept the account open. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the 7th try I reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account and that my account was closed. I said  that was not correct -- I never closed the account, only paid it down to zero. I was also told that I would continue to be charged interest on this balance until 2026 even though I no longer borrowed any money. I was told that even if my balance were XXXX I would continue to be charged interest because " that is the way variable rates work. '' I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because that was not the way the HELOC was sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. That never happened. I have tried calling several times since then and ca n't reach anyone to understand what was done. 
I placed a complaint with the CFPB because of the confusing and conflicting information I have been receiving from the various representatives of BofA noted above. When I checked the status of my first complaint, I saw a response with further erroneous information. As BofA will not contact me directly but will respond to CFPB complaints, I will continue to correspond through this channel. 
BofA has incorrectly charged me a {$74.00} release fee, and {$450.00} for an early closure that I never requested. Furthermore, while BofA is NOT responding to me, they warn they will continue to charge interest on the fees that are in question. I find this irresponsible and unethical -- I 'm literally paying BofA not to respond! I do hope the CFPB complaint system can help me here. I have been a customer of BofA for 20 years and they do not have the decency to contact me directly.
On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from XXXX XXXX XXXX regarding a debt they purchased from Pendrick Capital Partners, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3 years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that XXXX put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.