WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX To whom it may concern : On XX/XX/XXXX, I XXXX XXXX, purchased a money order through Western Union Transfer Company ( money order # XXXX ). The money order was purchased at XXXX store # XXXX. The money order was written out to XXXX XXXX XXXX for the amount of {$660.00}. I took the money order to the XXXX XXXX XXXX after hours drop off box, placed money order inside of the drop off box. I later discovered that the money order was somehow stolen from XXXX XXXX XXXX office. The stolen money order was cashed at XXXX XXXX XXXX  on XX/XX/XXXX. 
I received a copy of the forged money order along with other banking information associated with the stolen money order by a XXXX XXXX XXXX  Representative, that documentation has been uploaded. I contacted Western Union to make them aware of the stolen and forged money order, I was instructed by a Western Union forgery department representative, to fill out the back of the money order receipt, then send to Western Union Forgery Department located in XXXX Colorado. I was told that I would receive a Western Union Intended Payee Affidavit paper to take to XXXX XXXX XXXX to have paper filled out and signed by XXXX XXXX owner/manager then send notarized paper back to Western Union Forgery department and I would be reimbursed for my lost. 
On XX/XX/XXXX, I sent the completed Affidavit back to the Western Union Forgery department. The affidavit was sent certified mail by USPS. The Affidavit was received by XXXX XXXX XXXX at the Western Union Forgery department. I contacted Western Union Forgery department a week later to be informed that the affidavit never arrived at the forgery department. I called Western Union forgery department a week later to be informed once again, that the affidavit had not arrived or been received at the forgery department by any of the representatives. A Western Union forgery department representative mailed to me ANOTHER payee affidavit form to be completed by payee. Once again, I repeated the process of having affidavit form completed and mailed back to the Western Union forgery department. 
Refusing to be disappointed again, I made copies of the completed payee affidavit form along with certified mail documents, also affidavit and certified mail documents are uploaded to my case. On XX/XX/XXXX, I called and spoke to a forgery department supervisor to be told that Western Union had not received completed forgery affidavit. I called Western Union to speak to a forgery department supervisor and was routed to a Western Union customer service representative. As of today, no one has contacted me from the forgery department to let me know the status of my money order claim. I am discouraged and outraged over the way Western Union has handled this claim. I have been a Western Union customer for more than 20 years. I am requesting assistance from your department to contact Western Union to see why they are not being a company of integrity and not complying with the reimbursement instructions.
I received a letter from Javitich Block in XXXX, Ohio on XX/XX/2019 in matters regarding collections on a XXXX XXXX XXXX XXXX XXXX XXXX that the CFPB already settled with regarding this matter. I have yet to have had an independent review of my case from XXXX County Court and I believe at the time of the filing they used falsified documents to win a judgement in the matter. The collection attempts is a clear violation of the recent settlement agreements that the CFPB has with XXXX XXXX XXXX XXXX XXXX XXXX.
Bank of America closed my checking account XX/XX/XXXX which I thought was only for a negative balance. I later find out they closed my account for fraud which Ive never committed. The account balance was {$38.00} which I paid on XX/XX/XXXX. I talked to multiple representatives at Bank of America on XX/XX/XXXX and not one could pull up information about fraud being committed. I completely understand that my account may have been closed due to a negative balance, but Im being reported for something thats completely inaccurate. Fraud and insufficient funds are 2 total completely different things. After trying to resolve the issue I spoke with XXXX and XXXX XXXX  trying to get the issue taken care of. I spoke with a representative at XXXX on XX/XX/XXXX and told him my issue how Im being misreported as fraud. He basically told me he knows and Bank of America risk department reports EVERYBODY as fraud even if they havent committed any type of fraud and if I dispute its a waste of time because XXXX works for the banks not the people. He later told me also if I wanted it removed I would have to wait 5 years or pay {$400.00}. I then called XXXX XXXX about the situation and they told me to file a dispute which I received the documents in my email XX/XX/XXXX. This entire time Ive been misreported and its completely unfair to me because I cant get no type of Bank accts. All of them see me as fraud when Ive never done such a thing. I paid the {$38.00} that I indeed owe and I just want things to be done fairly. Yes I owed on a negative balance, no I didnt commit fraud. I called Bank of America risk department today ( XX/XX/XXXX ) to see if they updated XXXX and XXXX XXXX so I could pursue getting me a new account with a better bank who doesnt just reports every account closure as fraud. The lady told me even though I paid, this account will stay reported as fraud until XX/XX/XXXX. I  then told her that Ive never committed fraud and its reporting inaccurately. She told me that I shouldve filed a claim after the account was closed. I wouldve indeed filed a claimed if the account was closed to fraud, but I was under the impression that my acct was only closed because I had a negative balance of {$38.00}. Nobody at Bank of America can tell me how I committed fraud but theyve reported me. This is completely unfair and its causing unnecessary stress in my life because Im being reported for something that I didnt do. XXXX and XXXX XXXX are working with the banks so its basically 3 against 1. Ive never committed fraud and Bank of America is violating my rights. I demand some type of physical or legal proof showing I committed fraud, if not I need this misreported information removed immediately. Its at the point now where its affecting my daily life because I cant get another bank acct anywhere. If theres no proof where I committed fraud, I need to be removed from XXXX and XXXX XXXX immediately. Like I stated earlier, having an negative account and committing fraud are 2 completely different things.
I have been trying to get a hamp loan they help one time and things got bad again. So I tried again and Wells Fargo rep told me to leave if I could not afford the house I have been never had a problem till the bottom of the economy crashed and then everything went bad. The lady at Wells Fargo went up 10 yrs and raised my rate. And it has killed me. So I called XXXX and they put on hold for 14 months and no help.Now I am in chapter XXXX and no one will help me. If I have a short sale they will loose XXXX XXXX dollars because I am under water bad and the house needs some repairs., They rather loose that money than give me a lower rate. I have used almost all my 401 k to survive and my has been XXXX with XXXX XXXX and my life has been turned upside down all I wanted was some help.
I am XXXX currently under XXXX student visa and under XXXX insurance and I have some financial issues which I really need help for in order to be recovered. I go to gwu school of law
I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now, this account is still showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX : Account REF # XXXX, Highest Balance {$7000.00}, Opened Date - XX/XX/XXXX I am  looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act
On XX/XX/XXXX I contacted Experian directly in regards to an alleged debt appearing on my credit report. This third-party, wholesale, collections company had appeared and before been removed from my XXXX and XXXX ; as they are perpetrating a debt that 1 ) is not a debt which belongs to myself and 2 ) every time they appear they have re-aged the alleged debt to a more current " open date '' thereby in violation of the Fair Debt Collection Practices Act. 

This has been found to be an erroneous collections practice and unverifiable. Utilizing ethically and legally questionable behaviors in an attempt to collect a debt to which there is non owed. 

Experian was informed of this behavior and asked to investigate the alleged debt to provide proof of ownership and accuracy in reporting ( e.g. age of alleged debt ). 

Within the allowed time, Experian reported a response that the debt had been verified and would remain. Experian and it's representatives refused to provide any details regarding in what manner the alleged debt had been verified ; additionally the representative refused to forward a request for my complete consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). 

To this end, I am requesting the assistance of the CFPB to hold Experian to task as well as the below referenced collections agency : XXXX XXXX XXXX XXXX XX/XX/XXXX {$490.00} {$490.00} XXXX XXXX XXXX XXXX, MA XXXX Warm Regards, XXXX XXXX XXXX
several companies also on this list. 

XXXX XXXX simple XXXX XXXX XXXX XXXX XXXX XXXX refusal under regulation Z to reimburse consumer for charges never made or for charges for cancelled accounts that other companies ( 3 insurance and credit bureaus ) are runaway billing the consumer for and will not cease. 

XXXX cardholder agreement says that the charges can be reverse at any time and the consumer has a right to the money. Cards may be reissued, ( wasnt for XXXX XXXX ) however, the consumer is still owed the money and nobody wants to return it. 

I am owed over {$500.00}. because XXXX and XXXX ( XXXX and XXXX own thier cards and networks and issue cards directly ) subcontract they dont care anymore about the consumer.They leave it up to banks and banks give even less a " XXXX XXXX XXXX ''.
XX/XX/XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Bankruptcy, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. And XXXX has never been late
LVNV Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.
The holder of the mortgage on my home, XXXX XXXX, has called and emailed me twelve times  in the last two weeks ( late XX/XX/XXXX through XX/XX/XXXX ). Various individuals identifying themselves as part of XXXX 's Retention Department indicated they were contacting me because the credit agency Equifax had alerted them that I have applied for a mortgage with another company. 

This is a violation of my right to privacy. I have never authorized XXXX XXXX to monitor my credit on an on-going basis, nor have I authorized Equifax to sell this information about me. My personal decisions about with whom I do business, whether I intend to refinance my mortgage, or seek a second mortgage or HELOC are personal private information that no third party has the right to sell or publish. 

If this is not a crime it absolutely should be!!
I was a former returned student at XXXX college in XX/XX/XXXX and I was misled and scammed by the college " in-house '' fees. I attended one or two classes for the winter semester of XX/XX/XXXX but I had to stop working and go back on XXXX. I informed the school on several occasions that I have been on and off of XXXX since XX/XX/XXXX. The college not only misled me with promises of charges upon completion if warranted would not show up on my credit report until graduation. When I first started in XX/XX/XXXX with XXXX they added over {$20000.00} in loans but recently sent my a fee for {$5000.00}. I have only completed a year of credits that are not even recognized by another school to transfer. This school is ripping people off and putting students in financial hardship while students are on XXXX while harassing me and threatening to take my assets. I have a bill they are charging me for that was not reported to the Federal government. They make a financial gain off of the students by putting them into large amounts of debt. The college is very expensive, not a recognized/reputable college and always being investigated. I was XXXX XXXX and going into financial hardship with the out-of pocket fees. My credit report with the bogus fees and loans has damaged me from finding an apartment. This is absurd that I am constantly harassed and I am being threatened by the school to take my non-existing assets.
My car depreciated extremely over the course of one year since I had bought it. No one would refinance me, and bmw refused to help me after calling for a month and asking for some sort of bail out. I decided to voluntarily repossess my car. I left it at a bmw dealership, faxed back the paperwork that was asked of me and left it.
In XXXX Wells Fargo Bank forced closed a checking account that I had kept open since XXXX. There was a {$3000.00} line of credit which would transfer money to keep it open. When the checking was closed without my knowledge for XXXX I went to a branch to have it reopened, and was told no. They promised to open another FREE CHECKING, with free checks and connect the {$3000.00} line of credit free as well. The new checking was not free as promised, nor were the checks. They charged me {$25.00} every time the line of credit advanced $ to the new acct.which was not the way it was before. They told me one lie after another until I finally just gave up. They also, forced me to opened a savings acct. that I I did n't want or need. It took me several months to close the savings and line of credit.
We have a mortgage with Loan Care, a XXXX Company, XXXX. XXXX XXXX, XXXX XXXX, Virginia, XXXX, XXXX. They purchased our loan from another company approximately 1 year ago. Since that time we have had nothing but XXXX problem after another with this company. It started with trying to set up the accelerator program and missing payments. Since before XXXX we have had an issue with login on to their website. I called on XXXX XXXX, 2016, explained the problem and was told it was an issue with their website. I was told they would have the problem fixed and a return telephone call by the end of the business day. There was no return call and the login issue was not fixed. The issue has continued until today ( XXXX/XXXX/2016 ). I called Loan Care on XXXX/XXXX/2016 and explained the issue again. I was told to rest our password through their link. I followed their instructions and their own system failed to provide a temporary password for login. I was again promised the issue would be repaired with a return telephone call within 30 minutes providing me with a temporary password for login. After approximately 3 hours with no call, I called the company again and explained the issue again. During this telephone call, I was once again promised a return call from a supervisor, and a resolution to the issue. So far, the issue has not been resolved. This appears to be a reoccurring issue with this company, because I was told that they had to change their procedure in dealing with a complaint about their website. 

This is a major issue because we are wanting to pay our loan off early and because of the login issue we are unable to make additional payments. I have began to wonder if this is an issue to prevent individuals from making additional payments.
I 'm a XXXX year old XXXX widow living on fixed income, and back on XXXX/XXXX/2015 I took out an installment loan of {$230.00} with Cash America in XXXX, TX due to some medically related out of pocket expenses associated with XXXX XXXX/XXXX/2015. Since I was n't able to pay the whole amount plus interest in 30 days, I asked for an installment loan thinking I would have ( 5 ) months to pay the loan plus interest in equal affordable pays, but I wound up having to pay {$100.00} monthly for ( 4 ) months with the final payment being {$340.00} on the fifth month. Just understand that I intend on paying the loan back in full because I had to give them a blank check on my bank account which they will immediately turn in to bank if I miss payment. I just wanted to know if this is a legal contract in Texas because I 'm beng charged {$510.00} for them extending me {$230.00} in credit.
I submitted a request for home loan modification from Caliber Home Loans on XXXX XXXX, 2015. Caliber send a letter dated XXXX XXXX, 2015 that they received our package and is considered complete and ready for review. They sent a decision letter dated XXXX XXXX, 2015 denying our case, but their denial reason does not make sense. Our income did not allow us to afford our mortgage for the reason stated on our hardship letter, but it was recently increased in XXXX 2015, now our servicer Caliber, stated that because this income increase we can afford our mortgage payments, but did not consider the fact that we can not afford to bring the {$66000.00} default, please help us to obtain a reasonable and common sense review of our request.
They are saying I owe a XXXX phone bill which they said that they were going to take care of.
I opened my account this past spring. I put the mailing address of where I was temporarily staying at the time because that 's where I get my mail. 

A couple weeks go by and M & T places a freeze on my account when I first try to withdraw funds. I was leaving for California the next day and did n't have time to deal with it. 

I called and called and they would n't unfreeze my account unless I could prove that I lived at mailing address??? I sent them my SSN card, Driver 's license, and proof that I lived at the address on my license, but they would n't even let me so much as speak to the security team to explain my situation. 

Now I am stuck in California permanently, and without access to my funds. 

I ca n't : 1. Withdraw my money 2. Unfreeze my account because I do n't have proof of something that does n't exist 3. Close my account without the balance being {$0.00} 4. Correct my address 5. see a branch because I am in california .
I went down to my local police station and filed a police report when I discovered accounts has been manufactured in my name. I had the police report stamped and I filed a repot with the FTC. In addition, I went and saw a notary and had all documents notarized.

I submitted the documents/information to the bureaus and the unknown information remains on my credit an I have not received a new credit report to show the information was disputed. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX US BKPT Identification Number XXXX US BKPT Identification Number XXXX
About a year ago, I received a couple of emails from XXXX offering me to turn in my leased vehicle and lease or purchase another vehicle. The lease on my old vehicle matured on XX/XX/XXXX. I visited XXXX XXXX in XXXX, VA and agreed to a new vehicle. When negotiating the price, I explicitly told the dealer I wanted all charges rolled into the bottom line. I left the dealer with a new car and at the time, no further charges owed. I did not sign or receive any documentation countering my belief. I turned the vehicle into the dealership on XX/XX/XXXX. 
In XX/XX/XXXX, I received a turn-in settlement invoice from XXXX XXXX with a request for a {$1400.00} payment. I contacted XXXX XXXX on XX/XX/XXXX to inquire about the charges and I was basically told " those are the charges, can't help you ''. On XX/XX/XXXX, I received an updated bill for {$2200.00} with no explanation. On XX/XX/XXXX, I, again, contacted XXXX XXXX and was told that the charges needed to be recalculated because they were totaled incorrectly. I was also told that I would receive a return call explaining said charges. I never received that call. Two months later, I called again. Bottom line, I asked for a detailed billing statement for all charges as I had not received one. I was also told that my vehicle was sold at auction for a loss and that total was factored in obtaining the payment total. That total was compared with excess mileage and excess wear. The excess mileage charge was included in the turn in payment and I disputed the damages as I turned in the vehicle in excellent driving condition. The XXXX XXXX agent told me it took 7 days after I relinquished my vehicle to the dealer for someone to inspect it and come up with a bottom line. About a week after this call, I finally received a detailed billing statement. And to my surprise, a different total - {$1600.00}. 
Just to pile on even more, XXXX XXXX referred this bill to a debt collector. 
When I talked to the debt collector, Vital Recovery Services , LLC, on XX/XX/XXXX, I told them that this account was in dispute and not call me anymore until resolved. The agent told me that I needed to pay off the debt for whatever amount even after I told him about the dispute. He could not give me a total amount even after I laid out the situation. He said pay the amount that was the most and worry about a resolved total later. He continued to press the issue of payment and I told him I would not pay it until resolved. I asked him and the company not to call until resolved and he tried one more time to get me to pay.
Restricted # called ex-family member and provided same information. Then called me. This was in regards to my adult son, who has not lived with me for 7 years. Left a message on my phone that a case was filed against him in our local court, have an order to locate. Has been instructed to contact my sons employer. They are in the process of locating him at his work or residence right now. Once filed, he forfeits his legal rights. Call XXXX. Case # XXXX. I called this number and told them they were not allowed to reveal that information and were in violation of sections 804 and 805 of the Fair Debt Collection Practices Act and I would be filing a complaint. Also instructed them not to call me again. When phone was answered, said company was Midland, a litigation firm, and that they were out of New York.