WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, at XXXX XXXX ; I went to the XXXX Post Office ( XXXX XXXX XXXX XXXX in the XXXX to buy two different money orders for a total of {$1500.00} : {$800.00} and {$700.00}. I gave {$800.00} cash to the clerk and told him to charge {$700.00} and the money orders fees on my debit card. When I was putting my pin number I saw a total of {$1500.00} in the machine. The clerk put the receipt and the money orders in an envelope. On the receipt it is showing {$1500.00}. On the same day in evening, I checked my bank account when I realized that the clerk overcharged my card. All {$1500.00} instead of {$700.00} which represents {$700.00} money order and {$3.00} fees. The next day, early in the morning, I went to the Office to talk to the Supervisor. I didn't see him but I saw the clerk who recognized that I gave him the {$800.00} cash and he did everything right in the system but said he didn't know what went wrong. He made a copy of the receipt and took my phone number to call me back. He never ever called back. I called XXXX XXXX XXXX and I have a CA number : XXXX and a ticket number : XXXX. 
I went to the bank to change the card and claim my money. The bank misunderstood and gave me {$1500.00} credit. I called and the bank took the money ( {$1500.00} ) back. I  made another claim and the bank gave {$800.00} credit, took it back, I made another claim again and and the bank gave {$800.00} credit, and took it back again. The bank said that after their investigation, there was no error occurred that day. I request the documents on which their decision based. They failed to provide those documents until now. 
The Post Office sent me a proof that they issued a refund of {$700.00}. I called them to rectify the amount. It has to be {$800.00}. They said it was corrected that I should be receiving my money 3-5 business day BUT NOTHING. The Post Office said to go to the bank and file a Regulation E Dispute to get my money back. 
Previously, I told the bank that the debit card I used to make the transaction is closed, if it will cause problem about the refund and they said no, and added that the money will go thru the account and the routing number to not worry. 
When I when to the bank with the proof that the Post Office issued a refund which I am not seeing, and I want to file the Regulation E Dispute, the bank refuse to do that twice in their office even online once. My fight is to get my money back. I dont know why the bank is refusing to do so. And the bank said it might be because the card was closed. I said to them : you told me that there is no problem about it. The bank should file the regulation E dispute to give me my money. 
I need your help to have my money back. If the bank keep refusing and the Post Office refused to use my account and routing number, who is losing? I need your help please. 
Thanks Attch ; -statement to the post office -receipt of the transaction - bank statement -copies of all exchanged e mails
On the Public Records section of my TransUnion Credit Bureau report there are six negative records which say the reporting was by the Recorder of Deeds and the US Bankruptcy court. Letters were sent to TransUnion XX/XX/2012 and XX/XX/2012. TransUnion has indicated that these court entities have reported this. I have enclosed documentation which show the documentation from the court indicate there is no reporting by them to any credit bureau. The problem is that none of the information is accurate. TransUnion receives its information from XXXX who sells it to TransUnion Credit Bureau. This is a violation of the Fair Credit Reporting Act to report false information by claiming to get information from a Court when it is actually obtained by a 3rd party. 
TransUnion has claimed that this information has been verified. This is completely false information. 
I am sending copies of the court documentation sent to me as well as a list of the public records and dates that letters were sent to TransUnion disputing the accuracy of these records.
My complaint is against Ford Credit of XXXX XXXX XXXX in XXXX, XXXX. In XXXX 2012 I purchased a car from the XXXX XXXX in XXXX, XXXX. Only a month later I lost a job I had at XXXX for 22 years. I tried working through the XXXX Car dealership where I bought the Audi TT. I took the car to numerous other dealerships in the XXXX area. Nothing worked and my job was terminated by XX/XX/2012. I contacted Ford Credit and turned the Audi in to the dealership where I purchased it. Ford eventually sold the car at an auction and sent me a letter expecting me to pay the amount of difference between the amount I bought the car for and what it sold for at an auction, $ XXXX-XXXX. Since this time Ford and their surrogate debt collector agency, XXXX XXXX of XXXX have hounded me by letter, phone calls and law enforcement visits for four years. I feel that Ford Credit and XXXX XXXX XXXX have treated me unfairly. They have involved my elderly parents in their harassment. My mother is very sick with XXXX. I do not think that I should pay for a car I kept for only weeks, especially when Ford and the dealership were unwilling to help me return/sell the car. I retired after losing my job and have been honest with my creditors. I am filing a complaint as Ford Credit and XXXX XXXX continue to pursue me, harassing me some four years after the car left my possession. Please forward my complaint to Ford Credit and make it available for other consumers to read.
Conns is reporting to my XXXX credit report that I have 2 accounts  showing as " FP '' these account are included in a bankruptcy and the status on my credit reports are incorrect.
Multiple disputes were initiated through Experian 's online porthole pertaining to information within my Consumer Credit Report that was found to be inaccurate and or erroneous. Upon information and belief Experian has violated the FCRA which ensures that all Consumer Reporting Agencies report information that is 100 % accurate. Pursuant to the FDCPA and the FCRA I now exercise my lawful right to question the validity of the following information ; 1 ) US BKPT CT XXXX XXXX is NOT my account 2 ) XXXX XXXX is NOT my account 3 ) XXXX XXXX XXXX XXXX XXXX is NOT my account 4 ) XXXX XXXX XXXX XXXX XXXX is NOT my account 5 ) XXXX XXXX XXXX Never Known By This Name 6 ) XXXX XXXX XXXX XXXX Never Known By This Name 7 ) XXXX XXXX XXXX XXXX Never Known By This Name 8 ) XXXX XXXX XXXX XXXX Never Known By This Name 9 ) XXXX XXXX XXXX XXXX Never Known By This Name 10 ) XXXX XXXX XXXX Never Known By This Name 11 ) XXXX XXXX XXXX XXXX Never Known By This Name 12 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address The FCRA section 611 ( a ) ( 1 ) ( A ) outlines your responsibilities in case of disputed accuracy. Moreover, I am requesting that Experian to verify as required of this company by federal law for physical verification of the original signed certified consumer contract- of any and all accounts listed herein pursuant to 609 ( a ) ( 1 ) ( A ). I demand to see a copy of the Verifiable, validated proof of the accounts disputed herein ( an original consumer contract with a wet ink signature affixed ) as copies of copies are not validation and by law are not considered proof. ( See : XXXX v. XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX ( 1997 ). ( Finding that computer printouts are not verification of a debt ). The law is very clear as to Civil liability and remedy available to me for " negligent noncompliance ''. I request my private right to action pursuant but not limited to 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ). See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.1997 ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer.
I am with Bank of America now I was charged XXXX times for XXXX items that were okBut not XXXX extra times XXXX is legit but XXXX are notI was charged a overdraft fee when I was n't overdrawnThis is not the XXXX time they have tried to do this I catch themEach time now they do n't want to change what they did wrongAnd the posting of items is false
I filed a complaint on this debt previously, but now it has apparently been re-sold to another debt collector. My prior case numbers are XXXX and XXXX - XXXX was against the original lender XXXX, the other against XXXX. I disputed both XXXX and XXXX responses, but never heard anything back, until another company, Kirkland Asset Management provided me a letter yesterday ( after I received a misleading telephone call from a Nevada telephone number ) stating that they " were in receipt of a delinquent claim on your behalf '' from XXXX. As stated in my previous complaints, this debt is not valid and is unlawful and uncollectible under Nevada law, as XXXX has or had no license to lend in Nevada and therefore is/was conducting business in Nevada without a Nevada license. 

Secondly, this new debt collector, Kirkland Asset Management, is using deceptive and unlawful tactics. Someone named XXXX XXXX ( sp? ) contacted me XXXX on my cell phone and XXXX at my work phone, despite the fact that I have previously provided cease and desist letters to both XXXX and XXXX stating that all contacts must be made to my cellphone ( NOT my office phone ) or in writing to my email address. XXXX XXXX did not state the name of his company. He only stated he was contacting me regarding a scheduled delivery for " this evening '' and that I should be available with an id. First he said delivery would be that evening then he said by Friday. He also stated " that no questions were available '' and to contact the sender directly at XXXX XXXX XXXX, ref. # XXXX, and that if necessary, they would make a scheduled delivery to me at work. When I contacted the XXXX XXXX XXXX number, I found out that it was Kirkland Asset Management, and when I asked about the nature of the delivery, the representative would not tell me the nature of the delivery, but then stated that they were trying to collect on a " debt '' I owed to XXXX. I was also told they would take legal action if necessary. The representative then said she would email me something so I could work out arrangements on the debt. ( attached ).
I am a XXXX veteran for 5 years. I live in a condo which Wells Fargo is foreclosing on XXXX XXXX, 2016. I have tried explaining to them I am awaiting on a decision on my appeals with Social Security XXXX and VA ( Veterans Affairs ). All I ask is to stay in the home until a decision is is reached but Wells Fargo is going ahead with the foreclosure sale. I tried to do a short sale but again there is a wall up with Wells Fargo and they will not allow me to do any of the above suggestions I just mention. I no other place to go. I have no money. I am confused and at a l lost as to what to do when it comes to my mortgage and keeping my home.
I recently received an email from Bank of America ( BOA ) stating that there was a potential fraudulent charge on my VISA card. Rather than call the phone number in the email or click on the link, I went directly to the BOA website. I could n't log in and received a message stating that I could n't access my account, try again later. I also called the phone number on the back of my BOA VISA card. 

I called twice a day, at different times, for 6 days and waited on hold each time for 30 minutes and then hung up. I also continued to try to log into my account, also with no success. This was very disturbing. I finally posted a complaint on the BOA XXXX web page. Several days later I received a phone call ( voice message ) with a new phone number to call. After 15 minutes on hold a representative answered. When I explained why I called I was told that BOA already paid the transaction and that is was n't potential fraud, it was actually a " disputed charge ''. I was told that I was locked out of my online access and I was given the original phone number to call again. I asked if there is an address I can write to and was told no, I can only lodge a complaint by phone. To prevent further charges to my account and because of my inability to reach BOA, I then canceled my VISA card. 

This lack of service/concern is totally unacceptable from a major financial institution. When I received my bill in the mail I saw that the charge was {$99.00} plus international transaction fees for a supposedly free product from a company called " incredible cigs '' and monthly additional charges. I could n't lodge a dispute with BOA, so I paid the bill and will not do business with BOA again. I did find a mail address to write to on my just received bill, but I am on vacation and will now hand write a dispute, but I have no hope that BOA will honor my dispute.
I got a 30 day late XX/XX/2017 and it 's reported on my credit report that payment was made on XX/XX/2017 when it was actually made on XX/XX/2017. Please see attached.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Purchased a house in XXXX/XXXX/2014 the initial mortgage was with XXXX then sold to XXXX and then XXXX. We received a letter from XXXX that they just purchased our mortgage and that was it so we paid them every month and never a problem. Then we recd letter stating new mortgage co Penny mac never received our payment so called found out it was sold again and payments had n't got forwarded. So talked to customer service and they said to sent new payments and they would correct it and no problem they never notified me of no payment late payment no call. then I find out its on my credit report and now I cant refinance.. We were never notified till after the fact that they never got the payments we made them and have a good payment history and now because we were never notified they have damaged my credit -no call no letter to say never got payments or payments were not forwarded from XXXX ... So I corrected it on phone and made payment they said would never affect my credit because it had n't been 30 days.. But they did and I 've tried to fix it with them but they are difficult to work with. They insisted they did n't put it on our credit but its there ... We had nothing to do with this they should of notified us that mortgage was sold again..
I cosigned a loan for my daughter in XXXX, when I had a job. She has not spoken to me in several years now. I did not know that she decided to stop paying her loan in XXXX of XXXX UNTIL Wells Fargo started harassing me non stop. I am now XXXX years old, I was laid off from my job in XXXX. I have not been able to replace a decent income. I have a very limited income now, under {$XXXX} a year. I have been in touch with W.F. constantly ... to no avail. They refuse to offer me any relief, as I had asked for a modification to either lower the rate or monthly amount.. I have also asked for some amount of loan forgiveness. All of my requests have been met with a strong NO! Please help! I am looking for any possible way for to find some relief at this time.
XXXX XXXX calls every two hours despite my notifying them I could not make the payment at this time. Below is the last email I sent : Your records will indicate I have accepted responsibility for the late payment and trying to resolve. Calling my house every two hours and hanging up before I can answer does not help and would seem to violate Fair Debt Collections Act. Accordingly, I have blocked the number which is my right as a consumer and will update you when I have new information. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
I have had multiple accounts with Citibank for almost 10 years and my accounts have always been in good standing!!! They just raised my credit line to {$31000.00} on my gold card which I use for everything!!! They closed my account at an executive level, all my accounts with no notice or no reasoning why!!!! I am completely confused and can get no answers from Citibank. I am completely blown away by their actions. I have excellent credit and this is mind-boggling to me. I would like to know why they did this to me!! Citibank 's customer service is of no help!!!!!
On XX/XX/2018 at XXXX XXXX EDT, I received a phone call from XXXX with Atlantic Credit & Finance. When I picked up the phone she said " XXXX? '' and I said " yes? '' At this point she proceeds to say she is with Atlantic Credit & Finance and that they have purchased my XXXX Credit Card account and gives me the balance due. She does not verify my DOB, last four of my SSN, or even say my last name. At this point I explained to her that she has violated the FDCPA by failing to confirm my identity and could've just committed a third-party disclosure. She said that she didn't do that and she doesn't have to confirm my identity. At this time I told her I have an attorney and she should know that because XXXX was aware of it prior to selling the debt to Atlantic and that it's probably in their file. She wanted the attorney 's information to continue collection efforts. At this time I told her she is to cease and desist all contact with me and that I will not be providing her with my attorney 's information based on her inability to verify my identity prior to disclosing the debt information.
I attempted to contact the the company via phone to validate the debt, however, the company was not able to provide me with any information in refer to account.
I worked at XXXX XXXX cable and received free cable while I was employed. When I resigned I cancelled service and moved ( XX/XX/XXXX ) yet XXXX XXXX kept billing me ( until XX/XX/XXXX ) at an old address. XXXX XXXX has now opened a debt of {$540.00} in my name with a XXXX aprty collection company XXXX ( Open date : XXXX XXXX ) which just showed up on my credit report. I have asked both XXXX and XXXX XXXX XXXX. I never recieved any notice of this debt until it showed on my credit report on XXXX XXXX. I have called each company numerous times and they will not return my phone calls.
I feel scammed by Student Debt Service. XXXX. The woman asked me several questions regarding my student loan. I realized later she was asking these questions to access my Federal Student loan account.. In accessing my account, she changed my password. She also asked ( and I gave her ) my social security number. I have googled the site, Student Debt Center and the number is XXXX. She was going to charge me {$600.00} for her services.
I received a letter from M & T Bank stating that I am required to have H06 insurance coverage. I have had this mortgage loan since 2009 and have NEVER been required to have this coverage. There is not anything in the original mortgage documents that I signed in 2009, that states I am required to have this coverage. M & T bank states that " Section 5 of my closing documents states this information ''. They were also unable to clarify what page of the closing documents this is on nor were they able to provide me with a date of when I signed acknowledging and agreeing to having this insurance coverage. They did tell me if I do not get this coverage, they will obtain it for me and charge me three times the amount and apply it to my escrow. 

This conversation happened today. The phone number I called was XXXX. I spoke to XXXX XXXX ( who proceeded to call me a XXXX to her co-worker ) so I requested to speak to a supervisor. I was transferred to XXXX XXXX who is a team lead. He stated that I could reference this agreement I made in my original closing documents. My understanding is that when M & T Bank purchased the loan from the previous lender ( XXXX XXXXXXXX XXXX ) NOTHING changes from the original loan and should anything change, I am required to acknowledge those changes. This was not done nor have I signed anything acknowledging this. This appears to be a fraudulent scam that M & T Bank is using to charge more money to mortgagees escrows in an effort to make more money on existing mortgages.
Chase put an hold on a XXXX Credit Card and did notify the consumer. 
1 ) Issued credit for XXXX 2 ) Put a hold on the account after charging {$530.00} against credit 3 ) Did not notify the customer on credit freeze - reason for freeze unknown 4 ) Blocked disputes online 5 ) 5 phone transfers including supervisor to verify account - rude agents, not nice 6 ) Over 1+ hours to verify account - call transferred again 7 ) International agents asking highly sensitive questions about credit related questions after the account is opened - i.e., what is the point in verifying the account after charges are already levied 8 ) The agents are outside of America and are not under US Jurisdiction - in case of real consumer fraud, it is impossible to extradite their frauders back on US soil to face charges both civil or criminal 9 ) Agents have accents that are difficult to understand causing undue stress, harm and frustration resulting incorrect verification. 
10 ) Countries being used are non-democratic authoritarian countries with a poor human rights and labour laws/standards 11 ) XXXX, high XXXX activity, very high risk of data theft and risk to millions of American consumers - i.e., data can be used to track citizens, purchases, and other activity by competitor nations. 
12 ) Bank can not guarantee security of consumer or security of data 13 ) Bank is forcing American citizens to engage with international audience ; banks policies themselves create unfriendly interactions with international audience - resulting a negative perception of Americans ; i.e., undermines soft power and diplomacy in the region. 
14 ) State Department should conduct an audit on all international call centers and survey to see if these cross-cultural interactions advance soft power or undermine it ; i.e., private organizations should have regulations and federal guidelines that promote positive US perception In this case bad bank policies and procedures ( not notifying client of account freeze for two months ), freezing account without merit, and transferring unhappy US customers over to another country ( most pivotal region of the world ) does not promote US interests abroad. 

The job of the government to review these issues holistically and in a XXXX degree. 
1 ) Bank policies, notification protocols and communication with customers ( Business Operations ) 2 ) Outsourcing and type of call being outsourced and locations vs. US strategic interests ( Foreign Relations ) 3 ) Security of US consumer data ; identify theft and risk of foreign actors exploiting this for self-interest, etc. ( National/Human/Cyber Security ) 4 ) Consumer experience ( Domestic Reputation ) Thanks!