WillisBack/dataset-financial-user-claim huggingface dataset:
Visited the Wells Fargo Bank at XXXX XXXX XXXX. XXXX, Georgia XXXX to cash a check in the amount of {$120.00}. The check was drawn on the Wells Fargo Bank. I was asked to present XXXX forms of ID and a " Thumb Print '' on the check. After a few minutes, I was then asked if I had an account at their bank. I told them that the check was drawn on their bank and that I was doing electronic work for the owner of the checking account. The bank told me that there was a {$7.00} dollar charge for cashing this check, and if I opened an account, there would no charge to cash the check. I am XXXX years old and I did not like the high pressure tactics used to get me to open an account at the Wells Fargo Bank. No signs were displayed anywhere in the Bank to let the public know of their policy and charges for non customer check cashing. Just the high pressure sales pitch!
I have had numerous problems with OCWEN since they have taken over servicing my home mortgage loan. The problems relate to how OCWEN services and applies payments to my home mortgage. I have my mortgage payment set up to automatically be sent by my bank in two payments each month, the first of which is held in suspense around the XXXX of the month until the XXXX payment is sent in by the XXXX for the total monthly payment. On multiple occasions when the 1st payment was received by OCWEN before the XXXX of the month, rather than placing it toward my next monthly payment they would apply it toward my principle. I typically would n't discover this until my next monthly payment was listed as being late and I would have to call to get it corrected. Even though multiple times I asked for them to note on the account about how to credit my payments, I finally had to adjust my 1st monthly payment to prevent it from happening. I never had this issue with any of my previous mortgage companies. The latest issue I had is that I received a notice of a {$1600.00} escrow shortage. I went online to OCWEN 's website, there is no escrow information available and no reference to my escrow shortage. However, there was a place to make a one time direct payment toward my escrow. I made a payment which was credited on XXXX XXXX. On XX/XX/XXXX I received another escrow analysis document and today I found out that rather than applying it toward the escrow shortage, it was applied toward a monthly mortgage suspense payment. I again had to call OCWEN to get the payment reversed today, which they are doing, but it will take at least a day to reverse the payment and another 5 days or more to re-analyze my escrow account. 
I have had more issues with OCWEN servicing my mortgage than any other mortgage company I 've ever dealt with.
Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( Equifax, XXXX, and XXXX  ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
I had tried and order these few pair of replica shoes from a XXXX website and from the time I sent the payment thangs where heckled I Attached a few emails that was from western union also from the receiver
I have been trying to contact this company since XXXX 2017. I have two title loans with this company and I was making monthly payments on my account. I have not been able to get in contact with anyone so I can make payments on my loans and get my titles back. They currently have liens on my titles. I need a release of lien for this company so I can get my titles back. I have researched online and it says the company is closed. I have called every number listed for them no answer. I have emailed and my emails are returned undelivered. here is there NMLS # XXXX. Please help I just need to know who is taking over there loans or who I need to talk to so I can get my titles back
The card is Best Buy. In XX/XX/XXXX I made a purchase. The purchase agreement was for extended payments until XX/XX/XXXX. I paid each month {$100.00} when my fee was only $ XXXX- {$27.00} I was charged Late FEES! of $ XXXX.For a total of {$60.00}! I paid the balance off without late fees in XX/XX/XXXX. I then made a regular purchase on XX/XX/XXXX for {$470.00}. When I received my statement, Best Buy says I owe XXXX! I tried calling them to clear this up. I spoke to XXXX people from a foreign country who could barely speak English! .When I asked for the United States XXXX they gave me to another foreigner who spoke better English and said they were from Idaho ! I do not know what is going on at this Best Buy credit card company, but it is not right. I will not pay charges I did not incur or owe. I paid my bill in full. Why am I still accrual charges? This is fraud by Best Buy credit card. Then they called me back after I told them I was at work! Why would they do that? I am not in arrears. The number that phoned back was : XXXX. According to XXXX, that area code is in Tennessee. Why are they telling me they are in Idaho? 
I ask you to look into this matter and find out why I am being charged an extra {$59.00}?
back in XXXX of 2014 I purchased a car from XXXX XXXX. We financed our car thru FlagShip Credit Acceptance for XXXX. After about a year I decided I would take my tax return and pay the majority of the car off. I called FlagShip not only to find that they had transferred my car over to another company ( XXXX XXXX XXXX ), but my rates and payments went up. I was never informed of this until the day I called. They proceed to tell me I needed to make a payment because my monthly payments had gone up months ago. I was never aware. I went from financing the car for XXXX to having credit acceptance take over and them saying they changed the finance to XXXX. The car alone is only worth XXXX. After talking to legal aid they suggested I repo the car. I just had a baby. there was no way I could afford XXXX monthy rent, XXXX utilities, car insurances, renters insurances, car payment, and feed my family at the same time. I was only an XXXX when I bought the car and got promoted to XXXX after my daughter was born. Last week I spoke to XXXX from XXXX XXXX XXXX in XXXX, CO. He informed me everything that has happened between FlagShip and XXXX XXXX was not legal and they took advantage me. He then told me to contact you guys so I can make a complaint.
This is a second complaint filed against Ditech Mortgage over the past 12 months for the same matter that is as yet unresolved. Despite repeated attempts to get a payoff amount from Ditech - and now that the loan is paid in full a reconveyance on the property - Ditech is unresponsive to all requests for loan payment records and the trust deed remains on the property improperly. Intervention to force Ditech to cooperate and comply with the terms of the loan agreement is necessary. A full release and reconveyance of the property is also required at this time now that the loan is paid in full.
BMW Financial Services claims I owe XXXX, it was previously a higher amount of around XXXX. The insurance company, XXXX, paid off the account less this amount. The vehicle was totaled in an accident on XXXX XXXX, 2016. The GAP company, XXXX XXXX, paid out the claim with no benefits. They claim the reason for this is due to an over payment by Met-life, they paid more than the stated settlement amount and according to a supervisor in charge, this caused the claim to be paid with no benefits. It appears they gave a different reply to BMW Financial Services claiming because the account was past due at the time, it was paid with no benefits ... Neither of their replies makes any sense to me and I believe they just make up a phony reason not to pay out. Needless to say, I refuse to pay a dime to XXXX XXXX, it will have to come from XXXX or XXXX. Complaints were filed with XXXX XXXX XXXX XXXX as well as XXXX office against XXXX, both unresolved. It appears XXXX ( XXXXClaims ) is shifting their response for non-payout of claim as explained before, their reply to XXXX named agencies stated over payment by XXXX caused claim to be paid with no benefits, no mention of account being past due. The amount of XXXX, is a settlement offer good through XXXX XXXX I believe. I have a counter offer of ZERO which is good until forever. If they are seeking any payment at all on this totaled vehicle, which was not my fault and have police report to prove it, I 'd suggest contacting XXXX or XXXXClaims. No payment will come from me on this totaled vehicle, not my fault. Please do not mark this as duplicate, there is additional information contained.
I spoke to a rep of Wells Fargo whom was questioning me about my request for a settlement. Basically, he repeated the same things they have been saying Wells Fargo lost money too. I have been going on with this issue for years and have been complaining to the bureau for 3 long years. I thought at a certain point I lost my property. Many would have quit paying the mortgage. Not me, always loyal to them. I gave them their dues, but what about mine? As a customer, I have rights as well. They should make me feel important. Without customers, they don't have a business.

They told the bureau they need more time. I have heard that millions of times from them. Soon, I will take a picture of all the letters to postpone resolution of the case. I can not keep up with the mess. Most of them are thrown away. It is a lie. Who is going to help me against Wells Fargo? Someone needs to make them accountable for their mistakes towards me. It is wrong what they did to me, and they will not do anything until an established institution intervenes. That is why I keep on making complaints. Please, help!
First, I keep meticulous records of all my financial transactions. Any time I make a purchase, I keep my receipt and reconcile my ledger every day. Twice in the past month I have noticed my bank account decrease by approximately {$200.00}. The first time it happened, I went into my local XXXX branch and discussed it with a banker. I showed them my ledger/activity and compared it to what they had in their system. This didn't yield any explanation for the discrepancy. I made the adjustment to my balance in my ledger to account for this 'missing ' amount. It happened again about 2 weeks later, for around the same amount. I can not seem to make any progress as to get any answers from Wells Fargo. I have read online of other customers facing similar situations with their checking accounts. 

Please help!
I am a cosigner on a student loan. On XX/XX/18 I called Navient for the payoff amount on the loan. I made the payment on the phone with customer service. I was told I would receive written confirmation and the account would be closed/marked paid in full. I didn't receive any thing so I called today XX/XX/18 and found additional payment due. If I hadn't called I would not know of these charges and was put at risk of late fees and interest as well as negative credit reporting. Was told by XXXX XXXX the additional charges were interest. Told him what I was told on XX/XX/18 and asked him how can you have interest on a XXXX  balance. He proceeded to tell me the final payment would be written off since it was less than {$60.00}. I told him I was making a formal complaint and he said he would transfer me to a supervisor. Supervisor XXXX comes on phone after a 10 minute hold wanting to congratulate me for payoff. I explained I was making a formal complaint about the misinformation I was given on XX/XX/18. She said she would forward complaint to rep 's supervisor. When I asked for the name and ID of the supervisor she said she didn't know it. But it would be forwarded. Then she said it would be forwarded to upper management. When asked who they were she again said she didn't know. But told me since balance was less than {$5.00} it would be written off and that would close the account and then I would receive written confirmation of the payoff in about two billing cycles. The problem is I will have to wait and HOPE they do their jobs and RISK negative credit reporting on an account that has been paid in full. If I lied to and misled my employer 's customers I would have been fired. These people say whatever comes to mind when they talk to you just to end the call. This not my first contact with Navient customer service. They lie and they mislead to end the calls. Should not call themselves " customer service.! ''
National Credit reported an account that belonged to someone with a similar name that does not belong to me. I have never lived at this property called XXXX XXXX.
On XX/XX/XXXX I notified my bank that check # XXXX {$1300.00} was endorsed by someone other than XXXX XXXX. XXXX XXXX and I called XXXX XXXX XXXX. When we got no response or cooperation from them I filed a complaint against them with CFP # XXXX. I was then contacted by BofA and was told to file a claim with my bank, which I did. Not XXXX but XXXX because the first person did n't do it correctly. On XX/XX/XXXX Chase sent me a letter stating that they received my affidavit and was told that it could take 30-90 days. On XX/XX/XXXX I called Chase and spoke to someone called XXXX and spent XXXX min. trying to get the status and to speak with a supervisor. None was available except that they were waiting for BofA to respond. I then filed another complaint against XXXX # XXXX and was once again informed by BofA that they were waiting for Chase to contact them. Today I went to a Chase branch and after having expressed my frustration to a CSR, She called the Fraud department and she became frustrated when she was informed that there was no manager available. She was given the same story about it going through a process. She was trying to inform XXXX that it has now been 4 months and it should not have taken so long especially when XXXX stated that they were waiting for Chase to contact them. I now want to filed a complaint against Chase Bank XXXX investigation for following through with proper procedure in a timely matter with my claim # XXXX. Four months is a long time to wait for something that was complied with on my part for all parties involved. Chase Bank has been negligent to expedite my claim in a timely manner.
My only notification of this debt was from CMRE Financial Services ( debt collector ). I never received an original bill from the doctor. I agreed to pay the principal owed under the pretense that CMRE would send me the original statement.
I was alerted by the credit bureau that a Loan inquiry was submitted in my name when I reviewed my credit report I also noticed there was another credit inquiry on my credit report from the same company which I never gave permission to do as a matter of fact never spoke to anyone at Greater California Financial Services aka GCFS Inc until XX/XX/XXXX to question them about this fraudulent activity. XXXX from GCFS told me they can do this because they are a collection agency, I said not without my permission. I also found a Judgement on my credit report from XXXX filed XXXX XXXX, XXXX in the amount of {$4300.00} and just received a letter XX/XX/XXXX that I owe them over {$11000.00}. For one I was never served with any papers about any of this, to go to court on, so I went to XXXX XXXX records I saw a thick folder of papers I 've never seen in my life that this company has gone to court against me, with liens against me, including a fee waiver so it cost them nothing to file papers against me, a collection company with no money to pay the filing fee and the court grants it. Sounds illegal all the way around. They took over {$1300.00} XX/XX/XXXX from my credit union without my permission somehow, XXXX XXXX XXXX XXXX XXXX in XXXX CA, when I called to question this, the bank said GCFS sent us a letter there was n't anything they can do. GCFS has been taking money out of that account ever since XX/XX/XXXX, but the judgment from them was XX/XX/XXXX and I do n't know what for but every so often money is given to GCFS, I do n't understand this and do n't know how they can do this and the bank just keeps giving it to them. I 've reported them to the police to the Office of Attorney General, XXXX, I 've put a fraud alert on all XXXX credit bureaus but its GCFS a company that is doing the Fraudulent activity not a person doing the identity theft GCFS is using my name to put in loan inquiries without my permission never would I give them permission for any of this.
Ever since my credit has been reported, it has been incorrect. I have attempted to fix it at various points in my life. However, the companies refuse to take any action. I have called, repeatedly, I have sent correspondence to confirm inaccuracies, repeatedly, but the companies continue to treat me as if I am lying about my own situations. My situations with the credit agencies has been heavily documented by myself and their agencies. I have a copy of each time I have attempted to repair inaccuracies on their part, but nothing has changed. The fact is, ever since I XXXX XXXX XXXX XXXX, the agencies have placed more and more obstacles in my way. Since the beginning, I wanted to use my XXXX XXXX to build wealth and fix problems. Once the debt collection community, business community, and others saw my tenacious spirit, they have done nothing more than heckle and make it even harder to reach my full potential. As I have stated in all of my other complaints, I refuse to let them continue to dictate the direction of my life now, and at any other point in my future. 

XXXX customer service is garbage. I've talked to other people of other ethnicities, other ages, etc. and I know, FOR A FACT, they do not treat all similarly situated individuals the same. For this, I am ashamed of their inability to follow through with the requirements of the FCRA. This is not, currently, a class action suit, but, I have enough know how, and backing to make it one.
I have been in constant contact with my Lender regarding my VA 1st Lien Mortgage since last XX/XX/2018. When my Mother passed away I had to help cover the burial and funeral expenses since no one else in my family was financially sound. I tried several times to be proactive and ask if I could defer a payment or two to the back end of the loan to help pay for the funeral and not deplete my 401k, they would not do anything because I was not delinquent. 
I had a XXXX XXXX XXXX this past XX/XX/2018 and was ONLY receiving XXXX and it wasnt enough to cover the mortgage or living expenses. I had XXXX XXXX drain my retirement, checking, savings, childs college funds, just to try and stay current on the mortgage. But with no luck I fell behind and made several calls ahead of the 30 day late mark and I kept getting trashered to different departments and every single person told me the same thing. Watch the video on the homepage and then call us back, so I watch the video regarding hardships and the documents needed to upload so I call them back and they transfer me again several times just to tell me I need to upload XXXX paystubs and an expense report. At this time already having a 30 day late the representative told me there are no options available for me since I am only 1 month behind and foreclosure process does not start until Months 4-6. I dont want to get that far behind and have a NOD filed it the foreclosure proceedings started. 

As a veteran of XXXX XXXX I would think for sure I would qualify for some type of assistance or relief. Im not asking for a bail out or to rearrange everything I am Just looking for a little help with maybe a deferment in payments now that I am back to work so I can get caught up and maintain my mortgage to save my families house and a roof over my childrens heads. 

I can eat sleep focus and the stress and mental anguish is becoming to much to deal with especially when the CONSISTENTLY call me for a payment already knowing the situation. In over 3 years I have never missed a mortgage payment until last month. I work my XXXX off and have served my Country selflessly. I cant believe there is no help or hope available for me and my family.
The Bank of America, XXXX Missouri, charged to my checking banking account a fee for image of a check. For which I did not request and or authorize. This matter was raised recently with Bank of America. Again the same fee. Today, Bank of America, could not provide what employee of Bank of America made this decision without my request and or authorization.
On XX/XX/XXXX, I notified XXXX, XXXX and XXXX of several invalid and invalidated debts they are reporting on my credit reports for SCA Collections , Inc. Said items are reporting as medical debts and according to HIPPA Law by way of them having access to and posting my information for others to access, they are violating my medical rights. I never granted them that permission to share my information. I notified the credit bureau 's by law they had 30 days to respond in written form validating the debts including a detailed statement of procedures, the original bill and my signature or the debts had to be removed from my reports immediately. I received responses from each of the credit bureaus within the time allotted, but neither included any debt validation. They simply notified me that they would be contacting the credit agency to investigate the matter and that my dispute was pending.

On today, XX/XX/XXXX, also within the 30 day mark, I received a bill from SCA Collections , Inc. stating I owe {$940.00} for the account # XXXX. Not only did they not validate the debts they are publishing on my credit reports, but according to my report and the balance they are reporting as being owed, the numbers are way off. This strikes me as them being deceptive.

SCA Collections, Inc. publishing fictitious information on my credit reports have had continued adverse affects and are inhibiting my ability to establish credit worthiness.

The following accounts have been left invalidated and by law must be removed : XXXX XXXX XXXX XXXX Your attention to this matter is greatly appreciated!
My TD bank in XXXX is blocking any cryptocurrency purchases. 

Previously, it would block any purchase from a website called XXXX. I would have to call in and have the website unblocked to make a purchase. Then the block would be immediately put back on. 

Now, they've gone a step further. Now they are saying it's not even getting to their banking system. And that they can't unblock it because its not even getting to them. The purchase on XXXX says " declined by your bank ''. 

The first representative i spoke with from TD bank on XX/XX/18 told me they have a new " blanket ban '' on all cryptocurrency. The manager i spoke to immediately after claimed they are not purposefully blocking anything. But after claiming that they don't know why it wasn't showing up, they made no effort to try to resolve the problem. You think a bank manager would want to know or solve a problem with a non-working purchase. It seems this would be a big problem or technical issue that their technology or security team would want to know about. But no help whatsoever. 

I would like to resolve this block or sue TD bank. Thank you.