WillisBack/dataset-financial-user-claim huggingface dataset:
Overview : I was a victim of an employment scam, which caused me to lose {$3500.00} that I was going to use to go on a XXXX trip to XXXX. I emailed a potential employer and believed them. I was given a check, which was found out later to be a fraud, which is the first time I have ever heard of that. I deposited money into an account to purchase supplies for my new house keeping job. In the end, my youth caused me to be naive and foolish and lost money I was going to serve others with. This happened two months ago and I am tormented every day thinking I should n't have trusted this person. I could have used the money to give to XXXX and starving, shoe less kids in XXXX. This will haunt me for the rest of my life. I will never forget this and it makes me cry everyday. 
Detailed Description : XXXX contacted me ( XXXX ) on XXXX XXXX. She told me that she found me on XXXX, which I signed up a few months ago.I work jobs such as being a nanny, working in a restaurant and cleaning. I work many different jobs because I am a XXXX XXXX XXXX learning the XXXX, community development and public health. I also go on XXXX trips and am training to go to XXXX to serve the poor. XXXX told me her sister XXXX was moving from XXXX in 3 weeks and needed a housekeeper. I am looking for extra money to serve the poor in XXXX. XXXX 's email is XXXXXXXXXXXX. She said her phone numbers were XXXX and XXXX. I never called the phone numbers. I emailed XXXX back and fourth XXXX XXXX. I was told I would receive {$400.00} a week for housekeeping. Before XXXX arrived, I would prepare the house with supplies. I was promised the key and address after I took care of the housekeeping needs. I was given a check of {$3900.00} to deposit in my checking account on XXXX XXXX. Address on XXXX package was XXXX XXXX Address XXXX XXXX XXXX XXXX CO XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX. I took out {$3500.00} to put in the store account at Bank of America. Bank Account name : XXXX XXXX XXXX Bank account XXXX. I was notified that the check was a fraud and taken out of my account XXXX XXXX. I never heard of checking fraud before this. I filed a report at XXXX Bank XXXX my bank ) and the police on XXXX XXXX. XXXX XXXX, I received a letter from the XXXX Police XXXX department and they said I am a victim of a 'common scam ' difficult to solve because of throw away cell phones and pre-paid debit cards. I sent in an IC3 complaint on XXXX XXXX. No one is able to help me. I 'm helpless at this point. Please help me, thanks.
My name is XXXX XXXX and I have a home in XXXX North Carolina, which is mortgaged through SLS Mortgage Company. I have been trying for several months to get SLS to drop the PMI from our mortgage but they will not respond to our requests. We have invested XXXX in improvements to the home which has increased the value significantly. My wife and I have called several times, weve sent in all requested letters but have gotten zero response from SLS. We would appreciate any help you could offer on this matter. Please see attached letters
My chase bank credit card account is charged without my approval and without my authorization by the XXXX XXXX XXXX for my travel though I have purchased a valid travel ticket for the journey. My Chase bank credit card account department denied my request to reverse charges and wants me to pay to airline.
The company is charging an interest rate of over 700 %. I have paid beyond the principal payment. I have tried to contact them to find out information on the loan but can never get in touch with a helpful employee. I can not afford to continue paying their extremely high interest rate that is not legal in the state of NJ.
On XXXX XXXX my daughter transferred money to my paypal account. On the XXXX I called paypal since I could n't get any response from my requests online. I was told that the money had gone to my bank and should be in my account. I contacted my bank XXXX, they informed me that the money had not been received in my account and they did n't know where it was. I contacted paypal and the issue a trace to locate the funds. On the XXXX of XXXX I was told by XXXX a paypal Customer Rep. She informed me that the money was put in an account number that was not mine, it was one number off. This was and is confusing to be as I did not verify this account number and in the mean time I had made a purchase and the fund had been taken from my correct account number. During this time I spoke to XXXX on XXXX, XXXX on XXXX, XXXX again on XXXX, XXXX on XXXX, on XXXX I spoke to XXXX XXXX, XXXX I spoke to XXXX, On XXXX I spoke to both XXXX and XXXX, I spoke to XXXX on XXXX, and on XXXX I received a message from paypal to let me know that the funds could not be returned to be me as the bank denied the reversal. I have been speaking to XXXX and XXXX at the local branch of the bank all along and when I called to check on the denial XXXX let me know that there are several reason that the transaction could be denied but she was unable to tell me anything about this because of privacy. I am at my wits end and do n't know what to do at this point. If I did n't verify the account that the money was sent to why do n't have I my money back. Please Help
Within the last week collection account appeared on my credit report. I have not or did not receive due process under the fair credit reporting act or fair debit collection act. i was not aware that this collection company had this account. Another company had it before them. It 's not fair that company buy debit from other companies then the new company immediately report to credit bureau.
I keep receiving harassing phone calls and very personal questions from there workers. I made arrangements to pay last months bill which was due on XXXX/XXXX/16 over 2 weeks ago for the date of XXXX/XXXX/16. I keep getting calls from a man named " XXXX '' who is telling me XXXX XXXX is too late to pay. I told him it is a week away and I already made arrangements to make the payment. He then told me that they were going to take my vehicle. I find this hard to believe when my payments not even 21 days late and is set up for an autopay on XXXX/XXXX/16. 
" XXXX '' as he said his name was kept asking me and bugging me to why my payment was late. THATS NONE OF HIS BUSINESS. ITS PERSONAL. ITS LATE THATS ALL HE NEEDS TO KNOW. He then told me " HE NEEDED TO KNOW BEFORE THE CAR GETS TAKEN ''.
I was in XXXX and an account was opened in my name while I was away! Someone had opened several different accounts in my name. When I got out, I had everything removed from my credit ( except for a XXXX bill ). I notified XXXX that this was a result of identity theft and eventually it was removed from my credit report, but later sold to an collection company! I disputed it with the credit bureaus and the collection company, and eventually it was removed again! So now the account reappeared again but with XXXX XXXX XXXX. So I filed a FTC report, and sent it to all parties ( XXXX, all 3 credit bureaus, and XXXX XXXX XXXX ). Once again its removed from all credit reports and its blocked from getting added back on, and out of all the companies XXXX XXXX XXXX  is the only company that is trying to collect on this debt! I have never lived at the address this bill was established at. I was XXXX with proof. I never gave my permission for any company to run my name, social security number, or date of birth to obtain services. This is harassment
In XX/XX/XXXX, I received my first notification letter from University XXXX XXXX XXXX XXXX ( XXXX ) saying they were holding a student loan of mine in the amount of {$9300.00}, which they said was going to be delinquent. I asked my Federal Loan Servicer XXXX XXXX to consolidate the loan a few days later. XXXX XXXX completed the Loan Consolidation in XX/XX/XXXX, which was the same month XXXX reported me delinquent to the Credit Bureau 's. XXXX broke the law.
I have sent multiple requests to Experian requesting proper validation of an XXXX XXXX XXXX  account in the amount of {$510.00} listed on my credit report. I have repeatedly told Experian that this debt is not valid and does not belong to me. Experian has blatantly ignored these requests. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.
Chase Auto , charged-off my auto loan around  XXXX . Insurance and GAP insurance made the payment after the charge-off. The account is no longer a charge off as it 's been PAID IN FULL.
I transferred money through XXXX Wells Fargo mobile banking app to purchase sporting event tickets. I used Wells Fargo, he claimed he had Wells Fargo as well. The guy XXXX XXXX gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since he had used it before. Mr. XXXX gave me all the details but failed to mention it was a scam. I contacted Wells Fargo immediately and attempted to cancel the transaction but the transfer went through. I did not receive tickets that I paid for through XXXX. The transaction was sent and received from the same institution. I sensed foul play and I became very concerned that I was involved in a scam. Wells Fargo knows where the money was sent they even told me they attempted to contact the financial institute but there is nothing they can do to recover the money. The transaction date was XX/XX/2019,  transaction amount was {$120.00} and my Wells Fargo claim # XXXX. Please help me recover my money.
I have enrolled in Sallie Mae 's interest rate reduction plan to help alleviate some of the financial hardship. Sallie Mae then inaccurately reported that I was 60 days past due to the credit bureau that they report to.
I was told by multicare they had sent my debt to collections where I was contacted by XXXX XXXX XXXX to set up payments of XXXX until debt was paid I have paid that off and when I recently checked my credit report I saw a collection for another amount to a different company that I was n't aware of. Multi care sent my debt to XXXX different collection agencies instead of sending the full balance to the same place which resulted in me having multiple collection debts instead of XXXX and that I could of had the debt paid if it had been sent to XXXX place.
Vantage sources sent a form in the mail with an attempt to collect over {$700.00} from a XXXX account I suspended a few months back. The debt collectors claimed to file a law suit if I did not pay the money back within 30 days. I suspended the billing on the account the same month I had already paid the first bill. I should not owe these debt collectors and I confirmed with XXXX that I do not owe any sum of money to them personally.
On XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX   with the Consumer Financial Protection Bureau ( Case Number : XXXX ). In the complaint, I expressed, in my opinion, XXXX XXXX XXXX violated Texas Finance Code 392.202. 
Shortly after the complaint was filed, I received a response from XXXX XXXX XXXX, via the CFPB, on XX/XX/XXXX. In the response, a representative acting on behalf of XXXX XXXX XXXX, states the following : In light of the forgoing, and in accordance with the consumers request, we have requested deletion of our tradeline from the consumers credit report. XXXX XXXX XXXX made good on that promise, as the negative reporting was removed from my credit report. 
Unfortunately, after reviewing my credit report in XX/XX/XXXX, XXXX XXXX XXXX, and or, Resurgent Capital Services, is once again, reporting negatively to the credit reporting agencies. In my opinion, XXXX XXXX XXXX, and or, Resurgent Capital Services, is playing Fast and Loose, with the FCRA.
Seneca Mortgage Servicing Predatory PracticesSee XXXX reviews for issues similar to mine XXXX mortgage was transferred to Seneca and has never been in default. 

XXXX withheld {$0.00} for my county taxes and now has raised my mortgage payment by over {$500.00} to cover their self-created shortfall of {$3700.00}. Seneca is also withholding insurance in escrow but is not paying the insurance, which I just paid in full yesterday XXXX {$1000.00} XXXX to protect myself from Seneca. 

I am able to afford this increase but I am deeply concerned after reading those XXXX reviews that other people might not be so lucky and might lose their homes to this pattern of predatory mortgage servicing. 

Since I am not in default, I do n't think that there is any relief for me personally to be had but I wanted to bring Seneca to your attention before they do any further harm to others.
My daughter bought a car from a buy here pay here lot called XXXX XXXX XXXX in XXXX, TN. in which I was told that I should sign on so that her payments and insurance would be much lower. After having the car for approximately XXXX weeks I began to get collection calls from Mid Atlantic Finance. I explained to the representatives that I did not have a contract for a automotive loan with them and neither did my daughter. The representative told me that they now owned the vehicle that my daughter had been paying XXXX XXXX XXXX for. They said that XXXX XXXX XXXX had sold them ownership of the car and that we needed to send them {$900.00}. I explained to the representative that until I received copies of the contracts and had agreed to them I was not sending them any money, because the {$900.00} worth of payments had been paid to the original lender. After that my daughter and I began to be harassed by phone continuously. No contracts where ever sent to me or proof that they owned the car or car loan. We contacted XXXX XXXX and was told that they thought it was okay to sale the loan to Mid Atlantic. They also stated that all payments had forwarded to Mid Atlantic and we should not be behind at all on the payments. Approximately a week later our daughter went to stay all night with a family member. The vehicle was pulled into a gated and locked fence on the property, but when she got up the next morning the gate was cut open and the vehicle was gone. When the police was called they told us the vehicle was repossessed by Mid Atlantic Finance Company and that we should make contact with them. When we contacted them we where told the car was already taken to the car auction in XXXX, TN. and would be sold the next day. We have only been contacted once since then with a letter telling us that we still owed approximately {$4000.00}. I have requested by certified mail a copy of any so called contracts they have or for them to remove this debt from both my and my daughters credit reports. I have never received any proof that this debt is owed to them or that I signed any contracts with this company. I was also told by XXXX XXXX that selling without knowledge was something they have done for years.
There is a collection from  XXXX   XXXX  for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.
I had an account with XXXX, I have had their XXXX card since XX/XX/XXXX. Never missed a payment, XX/XX/XXXX I went into their mobile app, to change notifications from paper statements to paperless and text alerts letting me know 10 days before its due. 
XXXX of XX/XX/XXXX I checked my fico score which I get free with my XXXX card. 
Seeing it dropped from XXXX to XXXX I was shocked! Called XXXX up immediately the associate said Most definitely I can see where youre notification settings did not take on our sitde, and must be a glitch in the XXXX  app, they told me that if it went to my credit bureaus they would call them right up and they would have the credit agencies delete it from my report. That was XX/XX/XXXX I asked them to please send me a letter verifying the conversation that we had, they said woulomsil me out a letter never received anything waited a couple weeks, called them back now theyre saying they have no idea what Im talking about its going to be reported as the 30 day late no matter what I do. There must be something that can be done me as a consumer it seems that I have no rights the credit bureaus are coming down on XXXX side without even listening to anything I have to say I had them put a consumer statement on my credit report however there is one credit bureau that said we can see that you Have a excellent history of repaying so we will delete it off your credit report. The other bureaus XXXX, XXXX, XXXX will not delete it. Can you please advise me?
Portfolio Recovery Associates has put a judgment against me and I wasn’t even served properly and I don’t know much about this judgment and since last year I been trying to clean out my credit report and I been trying to contact Portfolio Recovery Associates failed to validate the debt Portfolio Recovery Associates only tell me that the debt is verify but Portfolio Recovery Associates has failed to show proof of any source not even the original contract with my signature and I did contact the credit bureaus and they won’t remove it and I did send out letters to Portfolio Recovery Associates to verified the debt by certified mail many of times and Portfolio Recovery Associates has failed to verify the debt
I have repeatedly gotten robo-calls from various unlisted numbers saying they have a message for me. When I do answer and " press XXXX '' to get the message, they first ask me to confirm details like date of birth and last XXXX digits of social security number. They refuse to identify who they are or why they are calling and so I refuse to verify any information. I recently got an email from " Williams & Fudge, '' a debt collection agency. I believe this is who are behind the calls, but they are looking for a someone with a slightly different name -- not me. I 'm sick of being harassed by these people, especially for a debt that 's not mine, and especially when they wo n't actually tell me anything.
I borrowed in 2005 from a private lender in XXXX Az the sum of {$15000.00} the lowest they would lend and got {$12000.00} after deductions of the financing from the personal lender. Some years later I married and my husband and I needed cash, It was XXXX neither of us were working and he wanted to relocate to a job in XXXX alone, to work as a partner in a XXXX. I married him to care for his daughter who had XXXX. The marriage was for the advantage of placing her a few days a week in a XXXX school. Me being her step mom would be easier, we thought. Any how the man was a close childhood friend. We went to a finace company to get a l loan on his truck, and spoke to the financer of my personal loan which was approved with my free and clear house deed, and i owed {$10000.00} We told them he was working and they said they could get the deed from the lender then add {$8000.00} and wallah, we did. I think that this company did something wrong like not subtracting the truck and just using my deed. My husband left to XXXX abandonded me aand the debt that he was part of and i struggled for a few years to pay with no husband to help. My house in in forecloure, they once said it was written off, but XXXX peopla a woman who used different names a man who was using diferent names also. My house was suppose to be auctioned off XXXX times but was poseponed. And now they said my house was sold, they offered a settlement but said 3 to 6 months for my deed. i dont know if my XXXX boys my XXXX year old mom and myself are gon na be homeless.
I recently applied for a car loan, and was denied due to a credit information and score provided by XXXX XXXX XXXX. This company is reporting scores on average of 100+ points below the 3 major credit reporting agencies which is resulting in my being denied for credit when my scores are medium with a good pay history on a auto loan for 2 years. First, I have never heard of this compsny and the documentation asked to provide my free credit report is basically giving them all of my personal and pertinent data. Listed below is the documentation that is asked for in order to receive my credit score : legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

If your drivers license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required. 
If you do not have a drivers license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required. 
Category 1 Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Category 2 Recent cable, utility or telephone statement with your name and current  mailing address Bank statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with the current address The address on the ID or other document must match the address provided in your request. 

I would like to know is this company approved by the CFPB as a legitimate reportjng agency? Is there a way to block this company from providing data to lenders? 

Thank you
on XXXX XXXX 2016 rush card deposit my ssi money would not let me access my money for 10 hours I have proof of it on XXXX XXXX 2016 rush card deposit my ssi money would not let me access it for 3 hours I called corporate office woman said deal with it
On Wednesday XX/XX/2018 at approximately XXXX XXXX  CST I called Discover Bank customer service which is serviced out of XXXX XXXX XXXX UT. I requested assistance with understanding why the overdraft protection feature had not worked for the 3rd time this year. I was confronted with incompetent, combative, and uninterested customer service ... so I requested a supervisor. The supervisor refused to help me understand this issue due to lack of account verification. This was in spite of calling from my verified phone number. After explaining this and the supervisor reasoning that the reason for having a verified phone number is for account verification, the supervisor still refused to provide service. So I requested a manager. She refused MULTIPLE REPEATED times to file a complaint on the previous 2 agents. And then my accounts were BLOCKED in MALICIOUS attempt to damage my credit and for no reason. This was CONFIRMED by another agent, who said these 3 people blocked both my checking and savings account. This MALICIOUS attempt was followed up by XXXX XXXX with Discover Bank ... BLOCKING me from contacting Discover. Further showing MALICIOUS intent to cover-up for this MISCONDUCT and further putting at risk my assets and credit in RETALIATION.
I requested Experian to investigate and remove items in my credit report that does not belong to me. They have refused to investigate causing me undue hardship and stress. In the process I have been denied credit because of these inaccurate information in my credit profile. These items are as follows:1. XXXX Bank not mine. 2. XXXX XXXX never late, 3.XXXX not my account, 4.XXXX/XXXX not mine 5.XXXX never late. 6. The XXXX XXXX XXXX not my account.
Checkr, Inc. conducted two background checks of me for XXXX XXXX XXXX XXXX. I looked at the one from XXXX & it gives information going back as far as XXXX. The one for XXXX 's goes back as far as XXXX. I got this information today XX/XX/XXXX. Due to this information XXXX 's denied me a chance to work for them. My understanding is that the background check should not go pass 7 years!