WillisBack/dataset-financial-user-claim huggingface dataset:
" On XX/XX/2018 I was denied by both XXXX AND WESTERN UNION after creating online account. This is not the first time conducting business with either money transfer agents. I have noticed a pattern that each time, it is allowed and verified ;. CANCELLATION OF BOTH MY TRANSACTION RESULTED. ". The only provide reason of going to a local agent and trying that way. '' " I am verifying payment was successfully sent via WU. That is Western union_Your tracking number is ( MTCN ) XXXX. Shorthly after notifying by writing email to the business called " XXXX moving and storage located at XXXX XXXX XXXX XXXX, XXXX FL XXXX that would also track their confirmed receipt of payment on my end. '' WU called me and emailed me to verify this transaction ;. after 12 hours, it was cancelled next day and I received a message by XXXX XXXX that morning as I kept a record of it for your reference as not the first time in coincidence with XXXX. '' " PROBLEM_UNAUTHORIZED BROKER HAS GIVEN MOVING COMPANY THE RIGHT TO HOLD MY BELONGINGS IN UNKNOWN LOCATION. The origin was from XXXX " XXXX '' by XXXX XXXX limited export manager. '' I have also kept them in the loop on the activities as they also refuse to provide insurance documents, moving legalities on paperwork that was initiated for customs and border completion. '' " There are not corresponding but delaying when they write back even for acknowledging this attempted money transfer payment for planning the release with RECEIPT OF BANK TRANSACTION. I am requesting my XXXX " XXXX '' is requested ASAP. A reminder of your time, day of week for delivery is has not been promised. It is necessary before the incurance of addt'l storage fees. '' " The businesses both known as XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX refuses to accept alternative forms of payment such as checks, credit cards, money order. They both insist that I bank transfer account to account the money but thaere are issues doing so. ". I also have noticed a problem with the XXXX XXXX XXXX ACCOUNT provided by XXXX XXXX HAS NO ACCOUNT NUMBER per the acct receivables assistant " " BOTH EXPORTER/IMPORTER demands that I send money because they had not provided a business address within the XXXX now that I have been told the money was not acceptable that method '' AS WELL AS WHERE THE " XXXX '' is presently unknown?
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

Thank you.
I contacted the Bank ( Suntrust ) in or around XX/XX/2017 to raise a chargeback against the merchant for services not describe. The merchant presented themselves with having the opportunity to trade and invest in a regulated financial products, such as Cfd, s stocks and options and other regulated financial instruments. However, I prove to the bank that the merchant was unable to provide said services on their website, since the merchant in question, lacks all necessary required licenses. Therefore the merchant is in breech of contract, thereby giving the bank the reason to raise a chargeback for services not as describe since the merchant couldn't provide the describe services. This is clearly a misrepresentation. Therefore this is fitting to have a charge back initiated under services as not described.
I don't recognize the company AFNI , Inc. date reported XX/XX/XXXX for the amount of XXXX. 
XXXX XXXX is saying owe the same amount as XXXX.. I don ; t agree with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.
This company has repeatedly contacted my ex husband, his new wife, and my mother saying they are suing me. Then when I advise them I don't owe this debt, they hang up. When I try to get a proof of the debt, they simply send me a letter saying I owe so much money to a very old credit card I had. They refuse to talk to me, threaten to send people to my work, and threaten to sue me even though I have never been contacted in writing one time as but this supposed debt.
XXXX XXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
Syncb hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
XXXX XXXX hard inquiryXX/XX/XXXX ( not authorized ).
2 1/2 years ago I submitted a withdrawal request to Wells Fargo and I have yet to see my money. I was stupid enough to invest in the 401k plan that was offered by my employer XXXX and I have been lied to repeatedly. I have compained to everyone from the XXXX to the DOL to the FCC and everyone seems to think it 's ok for me to be treated like this. I realize what a fine upstanding crew they have over there at Wells Fargo but I 'm feeling slighted for some odd reason. I mean if I had their money and would n't give it back you can bet they 'd be collecting interest at the rate of about 25 % not to mention late fees in the amount of XXXX dollars a month. This is criminal behavior and I would like to see some type of action taken before I lose it all due to plummeting stocks thanks to the integrity of Wells Fargo.
I have been charged a late fee twice on my credit car from Best Buy Credit Services. The 2 checks were dated and mailed in a timely manor, prior to the due dates. I was Informed by an employee named XXXX from XXXX # XXXX that it must be mailed 11 days before due date, as not to be charged a late fee. I was never told this policy in the store when I applied for the credit card. I am closing my account as of XX/XX/2018, and disputing the {$27.00} late fee charges in writing by certified mail. I plan to pay account off in full in XXXX payment.
My husband and I are receiving daily calls from Southwest Credit in XXXX, TX asking to verify personal information and saying that they want to collect debt. Because we recently received a mortgage, we have seen our credit records and have no unusual outstanding debt -- other than regular bills and credit cards. We do not want to receive any further calls from Southwest Credit. Because the phone numbers for the calls do not show up on our phone, we can not put this company on the Do Not Call list. And, the return call numbers that it leaves in our voicemail ( on different phones ) is not always the same.
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX   XXXX XXXX XXXX  XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX  XXXX XXXX XXXX   XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX  XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT
I, XXXX XXXX makes a claim against XXXX XXXX XXXX, XXXX. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is LVNV Funding LLC . This debt buyer has been riddled with deceptive collection practices and sued by Attorney General offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector XXXX XXXX XXXX , XXXX, as well as from LVNV Funding LLC . It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The Attorney General of the state of New York had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.
When I had completed XXXX studies at XXXX in 2005, my student loans under XXXX XXXX  were I believe approx. {$20000.00}. I was eligible for Public Forgiveness Loan Program due to my employment in XXXX XXXX. I also deferred my payments while I entered XXXX XXXX at XXXX for an XXXX degree, to which I continued employment in XXXX XXXX field and confirmed continued eligibility for Public Forgiveness Loan Program. Eventually my loans were trasnfferd without my consent from XXXX XXXX to Naveint. Upon transfer, I confirmed my status of Public  Forgiveness Loan. However, multiple times since Navient has denied payment options ( fixed  versus income ). Navient has consistently quoted me of under {$700.00} per month!!!! Which is outlandish and unforgiveable. I have remained in XXXX XXXX and was confirmed at time of Navient 's transfer that I was still under public forgiveness Loan. I have had to have continuous deferments since I can not afford this, and I believe that this is fraudulent. That payment is APPROX HALF OF MY 30 YEAR MORTGAGE! navient can not justify how XXXX XXXX  month adheres to the stipulaitons of the public forgiveness loan program. I have refused to initiate contact recently due to lack of resolution and was so grateful when I finally heard about the lawsuits being filed against Navient for this exact reason. I have no trust in their services or word. And my credit has been negatively impacted along accured interest. to be resolved, I want my case to ( 1 ) be a part of the lawsuits against Navient, ( 2 ) repair credit score, ( 3 ) delete all accued interests based on their monthly quotes, ( 4 ) and an apology from Navient. this has been so overwhelming. I have dedicated my personal life and professional career to serve patients who are disadvantaged and to help protect them from the abuses and injustices of the system. And here I am, like many others, in the same ironic battle. Please help me. I am desperate for guidance
I took out a loan in XXXX 2014 for {$1000.00}. I paid on the loan monthly for XXXX or 14months. Due to health issues I did n't work for 5 weeks and could n't make a payment for the first time since the duration of the loan. I communicated this to Maximum Title Loans and that did n't matter. All I heard that there was no grace period and that the payment needed to be paid. I told MTL that I would make the payment the following month and it would be a double payment. Before that day came I would receive 9 calls a day on my cellphone at multiple of XXXX. With me being at hardship my cellphone was finally disconnected.At this point I would be receiving calls at work. I took a few calls at work and told them when I would be paying and not to call me at work because I could n't receive personal calls. That did n't matter because I kept getting calls and MTL was told by multiple co-workers and then to my supervisor. This was also done at multiple of XXXX 's once a day. They were told so much to stop calling my work that I got a write up and was suspended for 90 days without receiving a bonus check. This all happen within 30 days of me back to work from being off for a month with health issues. Once that happen I was very upset with the company and refused to pay on the loan. I was a customer that always paid them and did n't appreciate the way I was treated after defaulting on XXXX payment. With that being said I am now going to court against this company as they are trying to get a judgement for {$1500.00} which is {$500.00} more than the orginal loan. I also have paid approximately $ XXXX {$2000.00} on the loan and was down to $ XXXX on the loan before I defaulted. I know that I owe the company but my no means do I owe triple the amount that I borrowed from the company. I was a good customer and they were very unprofessional once I defaulted. After losing wages I was n't even thinking about paying MTL at this point. Would n't ever recommend them to anybody.
I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from CNAC in XXXX, WI and they sold a false claim to them in the amount owed by me.
I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC XXXX
In Reference to case No. :XXXXMain Issue : Chase Executive Office Agents refuses to discuss the facts of WHY the Chase agents I spoke to approved my reimbursement transactions. In addition, they have not discussed why Chase 's Payment system allowed the transactions to occur. Those are the root causes of the scam as my interactions with Chase 's agents then put me into several difficult situations ; a. All transactions were legitimately reflected on my Online Chase account. In addition, Chase agents confirmed that they were valid. 
b. Since I was reimbursed for the purchase of computers requested by my employer/scammer, I was obligated to send those computers to my employer. Had I not sent the computers, I could have been accused as a criminal / scammer myself as reimbursement / payment to my account was already processed. 
XXXX Chase later reversed those payments, even after their own agents confirmed that they were valid. I think this is Chase 's failure to protect me as their customer, since their agents had originally approved the reimbursement / payment as legitimate transactions. 
I received a few calls from Chase 's Executive Office after the above complaints, all recorded by their system. None of their agents were willing to discuss, avoided to answer, and switched subjects from the main issue : Chase Agents ( at least XXXX agents on several different occasions ) approved of my payments using accounts provided by a scammer ( under the guise of an employer who had hired me ). I clearly stated to them that the accounts were not mine, and were being used to reimburse me for expenses " my employer '' requested me to purchase ( XXXX computers total ). 
Because Chase 's agents validated the legitimacy of the transactions, their approvals put me in an odd situation per our legal system : Because Chase 's agents had verbally confirmed that the payment to my account / reimbursement was processed and reflected in my account, I believed that the money was truly in my account. With proper reimbursement, I could not hold onto the computers I had purchased. I could have been reported as a criminal / thief by " my employer '' as I had already been reimbursed for my purchases. 
Chase exhibited negligence on XXXX counts:1. The Payment / Reimbursement process was properly executed and allowed by Chase System2. Chase Agents approved such transactions knowing that the accounts were not mineChase 's online payment system should have red-flagged the transactions, and their agents / automation system should not approved such transaction.
This has been calling to many times in a day time. I believe that ina weeks time they called me almost a hundred times. In one day I had 32 Voicemails from this company. This has to stop these people are calling my family, friends, and place of employment.
My auto loan company took out a double payment from my checking account, and was authorized for XXXX payment. this has caused multiple overdraft issues and they continue to give me a run around in getting the error corrected and my payment refunded.
I have a dispute with my Chase credit card that I disputed online last week. As the online form was not complete on information on next steps and how Chase Credit Card would notify me of status I called tonight XX/XX/2018. The Dispute number from Chase Credit Card is XXXX. During the call as we were wrapping up the call the agent from Chase disputed that I was recording the call even though Chase before connection to the agent stated THEY WERE RECORDING the call. Nowhere in an Chase Credit Card or Chase Bank account information states that they CAN record the conversation while the customer can not. The agent transferred me to a supervisor where I specifically asked is it's Chase 's policy to record calls and the customers can not and the supervisor stated it WAS Chase policy. So I am left with a dispute on my credit card where I can not call into CHASE because their policy as admitted by the agent and the supervisor is that I can not record the SAME call they ARE.
I 'll try to make this short. Navient, and all my loans with them equal a total of close to {$80000.00} dollars. These loans consist of Private, Federal, and Department of Education. Currently I can only work PT while taking care of my mom who had a debilitating accident. Navient is refusing to work with me, even after submitting documents showing my income for a lower payment. Moreover, my college is closing soon and I was part of the private college scam.
I became XXXX while I was attending school. My federal student loans have been discharged because I fall under their classification of non veteran XXXX XXXX. Navient has denied my application for discharge due to XXXX. They said the only way I will fall into their description of XXXX XXXX is if I 'm deemed so by the VA, but I 'm not a veteran.
I disputed an account on my Equifax report. It is from a collection company called XXXX XXXX XXXX. Original creditor was XXXX XXXX XXXX XXXXXXXX XXXX. I have no clue who this original creditor is. Equifax said the information was accurate but when I spoke with a representative I was told their investigation process was to ask XXXXXXXX XXXX if the information was correct. They replied that it was. The end. I have asked Equifax and the creditor to supply me any kind of proof that the account is mine. No one has. I have no idea how to prove that something does not exist. Please help. The amount of this collection is {$220.00}. Original date open was XX/XX/2013. I certainly do not believe that the FCRA held this type of investigation as appropriate protection for the consumer.
XXXX XXXX XXXX called my place of employment multiple times for XXXX XXXX for several different retail accounts - XXXX, XXXX and XXXX XXXX XXXX. I informed them that this account had been discharged in a bankruptcy in XX/XX/XXXXand should have never been assigned to them for collection. XXXX XXXX XXXX   is now reporting a NEW collection account opened on XX/XX/XXXX for {$1200.00}. This account was not collectible effective XX/XX/XXXXafter the account was discharged in bankruptcy.
I had a debt that was issued by the Ohio Attorney General 's office for a school debt. This debt was handed over to the Law Officed XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX Ohio. 

I was contacted XX/XX/XXXX about the debt and immediately arranged payment arrangements. 

I 've been making payments as agreed on time since XX/XX/XXXX on the balance owed. Repeatedly during that 1 year time frame I receive calls at least once a month despite " making my payments like clockwork ''. 

In XX/XX/XXXX the USPS lost a priority mail payment and i did my due diligence and contacted the debt collector inquiring about the lack of received payment and gave them a payment over the phone. I also instructed them to NOT cash my first check if it finally showed up. They proceeded to cash the check when it arrived 10 days later anyways but my bank resolved that. 

Today, in XXXX, i received a call at my job from a different rep demanding I double my monthly payments or be sued and have my wages/taxes garnished. 

The threats continued thru this conversation despite the rep, XXXX XXXX, agreeing that i 've made " all my payments like clockwork '' in accordance with my payment arrangement. Some of the threats made by the rep, were in her words, on behalf of the Ohio Attorney General. 

I do n't know what is legal in this regard but if I 'm adhering to my payment arrangement then I should n't be receiving calls at my place of employment demanding I double my payment or face a lawsuit and wage garnishment.