WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX XXXX XXXX / XXXX credit card via XXXX XXXX XXXX and they sold my account to XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX I sent payment to XXXX XXXX XXXX XXXX XXXX department to settle the account in full via check made out to them in exchange for the account to be considered settled and expunged from the credit bureaus. On XX/XX/XXXX XXXX XXXX XXXX/XXXX forwarded the check to XXXX XXXX and it was endorsed and cashed by XXXX XXXX. As part of the settlement agreement, the check had restrictive endorsement upon receiving payment the XXXX-XXXX  account should have been removed from my reports. Restrictive endorsements are legally binding contracts in the state of Texas where the check was cashed as well as the state of Georgia where I reside. On XX/XX/XXXX, I sent copies of the settled check to each of the credit bureaus ( Equifax, XXXX, and XXXX ) requesting the account be removed. On XX/XX/XXXX, upon reviewing my reports, I noticed that the account was still there. I called XXXX XXXX XXXX XXXX XXXX department and the customer service representative said she could not locate me in their system and to contact XXXX XXXX. I explained to the representative the situation and told her that XXXX XXXX is not reporting on my credit report but XXXX XXXX is and that the account should be removed. The representative informed me again to contact XXXX XXXX and contact the credit bureaus as well because there was nothing she could do as my account is no longer with them. I asked her to speak to a supervisor and she would not allow me to repeating that I 'm not in their system and that there is nothing they could do. I attempted to contact XXXX XXXX but could not get anyone on the phone. I then contacted each of the credit bureaus again to find out the status of the removal / dispute and they all reported that the account came back as " verified '' from the creditor. How would I be verified in a system that I 'm not in? The XXXX  representative in particular told me that this was done through an automated system where they sent it to the creditor and the creditor reported back to them yes the account is accurately being reported. Again, how could they say that when according to XXXX XXXX, I was not in their system? I do not believe proper verification was done by any of the credit bureaus.On XX/XX/XXXX, I was able to get in touch with XXXX XXXX at XXXX XXXX who said they did acknowledge the restrictive endorsement agreement and was forwarding the information over to their attorney who would get back with me on when this account would be updated and removed from my credit report. I followed up with her again on XX/XX/XXXX with no update except for that it was pending review. As of today I have not received a response from either XXXX XXXX or XXXX XXXX XXXX XXXX regarding this matter and it still remains on my credit reports.
I MADE A WIRE TRANSFER TO COINBASE OUT OF XXXX XXXX XXXX ON XX/XX/XXXX AT XXXX. MY WIRE HAS NOT BEEN POSTED TO MY ACCOUNT. I HAVE CALLED COINBASE EVERY DAY SINCE XX/XX/XXXX TO NO ASSISTANCE FROM CUSTOMER SERVICE. THEY ASK ME TO OPEN UP TICKETS TO WHOM I HAVE RECEIVED NO RESPONSE FROM. I HAVE ALREADY OPENED 4 TICKETS ( I CAN PROVIDE THOSE TICKET NUMBERS IF NEEDED ) AND NO RESPONSE FROM ANY OF THE EMAILS. I HAVE EMAILED PRIORITYSUPPORT, COINBASE SUPPORT, WIRE SUPPORT NO RESPONSE. MY MONEY WAS TAKEN AND NEVER POSTED TO MY ACCOUNT WIRE AMOUNT IS XXXX . XXXX XXXX HAS CONFIRMED THE FUNDS WERE SENT TO COINBASE THE SAME DAY THE WIRE WAS INITIATED XX/XX/XXXX. COINBASE HAS TAKEN MY MONEY AND REFUSES TO CREDIT MY ACCOUNT AND REFUSE TO RESPOND TO ANY OF MY EMAILS AND CALLS AND TICKETS OPENED. I HAVE LOST THOUSANDS IN THIS TIME BY NOT BEING ABLE TO PURCHASE OR DO ANYTHING WITHOUT MY MONEY, THIS IS WIRE FRAUD. PLEASE PLEASE HELP ME.
Re : Foreign Transaction fees charged by Bank of America While making travel arrangements I recently had occasion to make purchases that apparently were processed in XXXX even though the companies involved do business in the United States. XXXX was the tour company XXXX and the other was XXXX. I was disgusted to see how much I had to pay in foreign transaction fees : a total of {$87.00}. This is not to mention other fees I have paid in the past for clothing ordered from a company in XX/XX/XXXX that does business in the US. 
I consider these totally unjustified charges. B of A is already making a profit from the fees charged the companies using their services. How can they justify charging the customers as well especially since these companies do business in the US and I paid in dollars?
Calling numerous times of the day and evening every single day only to hear a recording when the xall is answered. This is unbearable and needs to stop now.
I made a deposit to my checking account with Citibank on XX/XX/2018. I deposited a check for {$130.00} and {$19000.00} for my HO claim opened with XXXX XXXX. The checks were made payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and endorsed by them and myself. I have been following up on my deposits and was told I would gradually have the funds available in the account. I was told that on XX/XX/2018 I was going to have {$200.00}, on XX/XX/2018 I was going to get {$400.00}, on XX/XX/2018 I was going to have {$4400.00}, and finally on XX/XX/2018 I was going to have the remaining amount of {$15000.00} available in the account. As of today, my funds are not available and was told checks have been returned. They are not giving me reasons why the checks got returned. I attempted to speak to a supervisor by calling ( XXXX ) XXXX and after providing all info requested so that they speak to my wife, she was told there was an emergency and that she would get a call back. XXXX, the supervisor, said she had a bad stomach ache and was needing to go to the bathroom. My wife was told she would get a call back within 3 min and it is XXXX PST and no call has been received. I attempted to get answers by chatting with a bank rep since they provide that option when you log on to the account and again, no information can be provided. I was told to call customer service. I need this resolved by the end of today, Friday XX/XX/2018.
XXXX XXXX 2018 XXXX XXXX XXXX
I did not authorize any hard inquiry with this company.
This is fraud.
I have been sent several preapproved status card offers from Capital One. So, I finally submitted the application online with their reservation number provided. They sent me a letter claiming they tried to contact me but were unable. That is not true. They never attempted to contact me. I sent them legible copies of my identity, utility bills for my current address, and my current phone number. I never heard from them again. I want their hard credit inquiry off of my credit file if they are n't going to actually look at my identity or actually contact me.
XXXX XXXX XXXX ( loan company ) and XXXX XXXX ( seller ) both claim the other has to change the due date, which is necessary because I continue to receive the my pay check by actual check on the day the loan as due. If the check comes in late, which it frequently does, the check does not clear until the next business day. 

The Loan company charges extra for payments on their website without bill pay XXXX XXXX, first claimed they could extend the due date every six months but not change the date. They claimed the seller could, the seller claims they could. I made this call on the XX/XX/XXXX. 

They extended it until this month and called before XXXX XXXX local today to complain that I had not made the payment. Now they will only extend it to XX/XX/XXXX. And after that they will do it only month by month. 

And continue to call before XXXX XXXX local
Hello, During the origination process of my loan for my house that I bought, loan officer, XXXX XXXX from Quicken Loans, informed me incorrectly of the percentage of home value to loan value that I would need to have my pmi removed. The house I bought needed a good amount of work so I was deciding what percentage of down payment I would make. I had enough money at the time to make almost a full twenty percent down payment but wanted to do less so I could renovate the house. I knew that the house would rise in value significantly due to the renovations so I discussed with XXXX how I could remove PMI early. He told me that with a 5 percent down payment and figuring in about 6 payments that I would owe around 380,000 on the house. Base on a 80 percent home value to loan value ratio, I would have to reappraise the house at {$470000.00} to be able to request PMI removal. Well I decided that was feasible so I put down 5 percent, did my renovations and then called back quicken to request an appraisal to have my PMI removed only to be told that the the equation is based on a 75 percent ratio. I filed a complaint with them and they opened an investigation in which they said they found no proof of the conversation I had with XXXX so they could not help me. They suggested calling my loan holder Fannie Mae to see if they could do something for me. Fannie Mae did nothing because Quicken will not admit to their mistake. Now I am stuck paying an extra {$330.00} in PMI monthly due to Quicken loans mistake. I have been in touch with some of Quicken Loans vp of customer service, and magically today she admitted to me that she found a conversation where I was misinformed by XXXX XXXX. Now even though Quicken has found that they did indeed make a mistake they are still refusing to honor what they said, effectively screwing me out of a lot of money. 

Facts : I have an appraisal in hand for {$480000.00} for my house. 

I have bank statements from when the loan was originated to prove I could have put down at least 10 percent which would have allowed me to have the PMI removed at this point even with a 75 percent ration. 

I will effectively pay over {$6000.00} in PMI that I shouldn't have to pay due to Quicken loans not informing me correctly. 

I will in the near future not be able to pay the extra {$330.00} in PMI. 

Please help me with these people as I feel as though I have been bamboozled by them. People in their position should be able to properly inform clients with the correct information when making a 30 year {$400000.00} dollar decision. 

They should pay for their mistakes, I shouldn't have to.
It first started off when my XXXX was compromised and had to set-up a new password with XXXX-step authentication. However, during the time my XXXX was compromised there were multiple changed to my accounts and learned my lesson for not having most of my passwords the same. I was able to take care most of the issues, but the biggest one was from PayPal Credit/Bill Me Later. Someone purchased something on my PayPal credit card for {$1900.00} to a company called XXXX in XXXX of 2015. Following suit I disputed the transaction, but it was soon to be denied. I then tried again, but once again was closed. I contacted them why, but they kept on telling me that I did not win the case. At this point I really just need a refund as my credit card does n't even have a regular balance for {$2000.00}. I was told there is nothing I can do except contact the merchant for a refund on this issue. I went ahead and explained this issue to the company, XXXX, and they denied me also because their product they sell is non-refundable. I kept going back and forth with XXXX through email because their phone is just automated and PayPal through phone. Nothing has gotten through to them and this has dragged out to XXXX months now. I never felt this vulnerable before and terrible customer service from managers on both sides saying things like " Here is the short version, you purchased an online product knowing that it was unrefundable. Please know that no refund will be given and no further communications with us regarding this is needed as the answer will be the same. '' I was hurt to hear this and reading it seemed very hostile and saying that I authorized this purchased when I did not. Please help me if possible. 

Thank you, XXXX XXXX
To Council FFIEC, - OCC Administration of National Banks U S Department of the Treasury as well Director Of FDIC, - CFPB, - OTS Authorities -. 

Dear Council FFIEC and all respectfully authority ; Who are dealing with all kind of issues that stated : Excerpts from Home Mortgage Disclosure Act 12 U.S.C. & 2801. CONGRESSIONAL FINDINGS AND DECLARATIONS OF PURPOSE ; Excerpts from S.A.F.E. Mortgage Licensing Act 12 U.S.C. & 5101 Purposes and methods for establishing a mortgage license system and registry. 

The Council that it may concern, in charge for the two years in this difficult responsibility that have to investigate and put the valuable and neutral arbitrations as well to divided responsibilities to it may concern too. 
The Excerpts and acts above, was created, in order to increase uniformity, reduce regulatory burden, enhance consumer protection, and reduce fraud, the States, through the conference of State Bank Supervisors and American Association of Residential Mortgage Regulators, are Hereby encourage to establish a Nationwide Mortgage Licensing System and Registry for the residential mortgage industry that accomplishes all of the Council FFIEC Objetives and the rest of Federal and State Government. 
With All due respect I whiting this latter with all my hope that I was in the correct Track, nevertheless I would like to include all others instances that I was asking for their responsable matters as : OCC Administration of National Banks U S Department of the Treasury as well Director Of FDIC, - CFPB, - OTS Authorities -but sadly they till to day are really confusing due that the wells Fargo Home Mortgage XXXX XXXX XXXX Wachovia Bank XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX Texas too , as the Agencies that was created to regulate the traketed, fraudulent bribery and terrorized mob of banks, but just pretend deal with as correspond, but only were adding forces, and they became the executed with out mercy. 
till today i sent complains to CFPB XXXX/XXXX/XXXX, XXXX # XXXX XXXX XXXX/XXXX/XXXX # XXXX XXXX/XXXX/XXXX # XXXX XXXX # XXXX XXXX # XXXX OCC XXXX/XXXX/XXXX complain XXXX/XXXX/XXXX # XXXX XXXX/XXXX/XXXX # XXXX # XXXX FDIC XXXX/XXXX/XXXX sent complain email XXXX/XXXX/XXXX [ XXXX ] FDIC XXXX mail I am really but the OCC sent me to FDIC, and the FDIC sent me with CFPB, and stars email FDIC XXXX [ XXXX ] they resent me to CFPB and these ones state by phone that it does n't have any letter from FDIC XXXX [ XXXX ]. And also by phone i received the advise by advocates of FDIC that also i can notify to FFIEC as well OIG, Ombudsmen and General Attorney and maybe with this proof i can finally be in the correct track in this issue of preventive fraud and it can b seriously investigated and at this point i am feeling threatened by phone and strange people came to my door and they do n't tell me who they are and do not want to tell me who they are and im sure that i am being victim of WFHM. With all due respect i beg for your interest and regulate this situation because perhaps you dont know me but you really know who Wells Fargo acts. XXXX/XXXX/XXXX XXXX XXXX
On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA,  requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already  rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
XXXX from XXXX XXXX XXXX was rude unprofessional and contacted my bank XXXX XXXX XXXX XXXX and requested an amount from my account not authorized to he called me a liar and talked over me people picking up the phone are not representating the company this took place at XX/XX/2018 at XXXX, the number I was told to contact was XXXX I feel scared that this company has my personal information
On XX/XX/2019, I took {$100.00} cash out of my checking account at a Wells Fargo ATM # XXXX / Bank at this address : XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. An alarming phone call distracted me and I accidentally walked away, taking my card and leaving the cash at the mouth of the machine/ATM. I drove for 5 minutes before realizing what I had done. I turned my car around and called the branch immediately to ask if someone would check the machine for my cash. A manager named " XXXX '' got on the phone and said, " Mrs. XXXX, we have good news : our customers are very honest and one brought your cash in the minute you pulled away. We know it was yours because we can see you are the last one to use that machine and it was for {$100.00}. '' I came back to the bank within 10 minutes, asked if I could have the name of honest customer who brought in the cash ( to reward them ) but was told no. I was then told I can't take the cash - XXXX said it must be processed and it goes back to wells fargo, and will come back to my account in a few days - usually within 10 days. I was surprised but happy to get the {$100.00} back. I was shocked when XXXX said I had to complete a " claim '' to get the money back. It is now XX/XX/2019. I have been to the bank to tell them I've heard nothing, XXXX said it can take up to a month .... Now I have received 2 letters saying that the {$100.00} will be deducted FROM my account. What? It was NEVER put back in! I have also called a Wells Fargo number on my claim paper and was told the money was never processed. Then the person corrected himself and said, " It was reviewed and the money was giving to someone else. '' I have been to the XXXX XXXX branch 3 times to discuss this and they keep telling me XXXX remembers the situation well and now the money should be processed the right way. But I just received another letter saying I will not receive the money, and that another {$100.00} will be taken from my checking account.
I have notified Experian that the XXXX.. reporting on my credit file do not belong to me. I have submitted a Fraud Affidavit with this account included on it. Please assist me in getting this account removed from my credit file.
XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX The company above made false representation of the factored rate of interest on my loan from the onset of my contract. I have made 12 months of payments on the loan of $ XXXX and never been late or past due etc. Upon receiving a solicitation in XX/XX/XXXX - 11 months into loan, I contacted their XXXX Ga location to get a quote for an additional amount, to realize the loan was misquoted from the onset. However the new amount triggered me to look further into the misrepresented amounts and contact their corporate office. The XXXX employee said the rate factor was XXXX on initial loan and XXXX on new loan amount. Upon firther research the loan amount is, in fact, XXXX. 

I have continued to pay this loan - XXXX payments were being removed from my checking by a company by the name of XXXX and now changed to XXXX XXXX. 

XXXX XXXX XXXX office said that their rates were imbeded into their system and did not show employees the actual factor. 

It is my contention that One Main owners and financial offocers are guilty of violations of the fair debt collection act, guilty of fraudulent information to their customers, and in violation of state and federal laws regarding financial institutions.
File # XXXX ACCOUNTS : I'm writing this letter in a 3rd attempt to inform you my identification has been fraudulently compromise. throughout the years. There have been many accounts opened under my name, that Ive confirmed and reported as identity theft. Please remove this fraudulently account immediately ; that has been fraudulently compromised : XXXX XXXX XXXX XX/XX/2013 {$850.00}
I have tried so many times to resolve this debt with the original creditor. The problem is that XXXX was purchased by XXXX XXXX XXXX. My account originated with XXXX. According to any representatives I speak to, they supposedly can not see the previous notes on my account. I opened an account with XXXX. I am a renter of my home and the landlord signed a release giving permission for the dish to be placed on our roof. After a period of time, my landlord revoked the permissions and demanded the dish be removed. My apartment is above a business in the city and he wanted the dish removed. I immediately contact XXXX and advised the representative of this matter. He advised me he would send a box to return the equipment. He did, however, advise to either keep the dish or throw it away. That nobody would want it back. He advised of my final bill and we determined a disconnect date. I paid my final bill and the services were shut off as planned. Not long after that, I received a bill from XXXX. it is important to note that by this time XXXX was acquired by XXXX XXXX XXXX.  The bill was a fee for early termination of my account contract. I advised the representative of the reason I had to disconnect services. She advised just like the previous rep that I would NOT be penalized because of my landlord revoking permissions. She stated the bill was an error and I had a XXXX   balance owed. She stated she would correct the billing error on my account and the call ended. Months and now more than a year has gone by and, I have disputed this file with XXXX   and XXXX XXXX XXXX through their corporate offices. Originally this debt was with a different collection agency. I received a letter from that collection agency that, they would no longer be collecting this debt and, they would return it to the creditor. At one point the creditor did contact me to see if I had any other location the dish could be placed. I advised him that I lived in the city, I had only one rooftop which was shared by the business below. I advised him the landlord revoked permission to have the dish on the roof. He advised me that I would not be billed the termination fee. In addition to writing and speaking to multiple reps, I also faxed and mailed a signed letter from my Landlord advising he will not allow the dish on the property as ordinances in the city limits had changed. Due to the HUGE lottery dish that must be installed for State Lottery and Food Stamp transmissions he would NOT allow another dish. I was pleased when I received the letter from the previous collection agency as I thought finally it was resolved. Now I am finding this back on my credit bureau reports with a new collection agency. This is unacceptable. I have done everything possible to rectify this situation.