WillisBack/dataset-financial-user-claim huggingface dataset:
Letter of Complaint Against Western Union Agents in XXXX  There is an ongoing practice by Western Union Agents in XXXX that is bad business practice. XXXX Western Union Agents convert 25 % of Recipients funds into a XXXX  Currency that is widely unaccepted by merchants, businesses and individuals in the Country. This means that Recipients are losing 25 % of their funds, because the converted currency is not widely accepted. While Western Union Receipt clearly indicates that for all transfers, receiver may receive less due to foreign tax, in the case of XXXX, it is not a foreign tax. Is Western Union aware of the forced conversion of 25 % of transfers to XXXX   Currency by Western Union Agents in XXXX  that is not widely accepted as legal tender in XXXX? Why isnt the 25 % conversion indicated on Western Unions Receipt?

I would appreciate that in the name of good business practice, XXXX  Western Union Agents either declare that it is a tax, and that converted transfers enjoy the same rights as a legal tender in all of Liberia, before forced conversion of transfers continues. As it stands, Senders and Recipients are being short-changed. That is, the converted funds can not be used, or will be devalued by over 25 % to be accepted by businesses. Can Western Union do something about this scheme by Western Union Agents and XXXX  Government? Lots of XXXX   on social media are fed up with this arrangement by Western Union and other money transfer Agents in XXXX.

Thanks for your prompt response.

Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX
I have direct deposit, and my money is n't showing up on my card. It 's going on a week since my job has deposit my money into my account.
I am writing to complain about the process to remove PMI from my loan. I contacted  PNC twice regarding cancellation, once when my LTV  was below 80 % and once when it was below the automatic termination amount at 77.4 %. Each time they send a notice in the mail requiring me to pay {$500.00} for an appraisal to a company the OWN.   This is a total violation of  UDAAP in that when reviewing and signing the PMI notification on the original loan documents, it is not clear that even upon the automatic below 78 % LTV  is reached, that the amortized date is also required to be met. It is even extremely deceptive when the sale price of the home versus the actual appraisal amount at the time of sale is used, thus squelching the idea of negotiating a good deal for the consumer. Where is the incentive to pay down the principle and try to get ahead. I am  XXXX   XXXX   XXXX  and will be  XXXX  in 2 months and trying to get this extra {$160.00} amount for PMI removed from my loan is threatening my ability to retire.   I could understand I the  LTV had not been met, or maybe even the requirement for a new appraisal, however when the requirement is mandatory through a company that PNC owns, there is obvious collusion. I believe th is issue was the intent of the CFPB 's existence is the first place versus it 's other nefarious intrusions in the financial community, but I am afraid the big banks will continue to be protected.
I recently ( today ) had to make an online transfer from myBank of America account to a International German account. 
I always relied on good service and integrity of the bank buttoday just really made me very upset. I checked the nationalexchange rate for XXXX euros and its XXXX dollars. I checkedseveral other currency exchange online and they all say onon or about XXXX dollars. I made a XXXX euro transaction andBank of America says it is XXXX dollars. " Their '' currencyexchange is really XXXX dollars more?? It is honestly pathetic. 
I did not looked at this before, I did not know this was thetype of services I was getting provided. It is unfair for thepeople whomake an honest living getting cheated this way.
I opened a line of credit on XX/XX/XXXX and was approved for a XXXX credit limit. On XX/XX/XXXX I called to see why i could no longer see my account online. I was advised by ( Superviser XXXX XXXX " who refused to provide me her last name '' ) that the account was closed due to a 3rd party informing XXXX  i had filed bankruptcy. I informed XXXX that my Bankruptcy was discharged about year ago and i had apply for this account after filing BK. XXXX then informed me its in there policy and theirs nothing they can do it about contact corp if i dont agree. ( she was very rude BTW and was not hopefully. ). I asked where in the terms and condition does it state that? IN the terms and condition it just states that my loan will become default if i BECOME the subject of bankruptcy, which i have not became a subject of bankruptcy since applying for the account. I could understand if i applied and was denied but i was approved. SO why approve me and then close my account a day later. Wouldn't i have just been denied when first applying if they dont allow account holders who have previous filed BK?
XXXX Overdraft fees @ $ XXXX. = XXXX / on an account i opened in XXXX XXXX. I have NEVER run a negative or NSF Balance at any time as noted electronically or on paper statements of my account. They said they would credit ( 7 ) of the overdrafts??? 

See my attached letter in support of my complaint. 

Thank You-
XX/XX/XXXX- storm damage on main house and pool house roofs XX/XX/XXXX-Got inspected. Contacted insurance Company XX/XX/XXXX- Received first insurance check for {$16000.00}. 
XXXX Overnighted to Selene Finance . Received endorsed check from Selene XX/XX/18 XX/XX/18- Received final insurance payment of {$7000.00} XX/XX/XXXX- Forward unsigned check to Selene. 
XX/XX/XXXX- Received check and letter saying it required my husband I to  endorse plus complete several other documents by us and our roofer. 
XX/XX/XXXX- All documents from our roofer and my husband and I were completed, notarized and returned via a PDF. 
Mailed endorsed check to Selene Since the last date of correspondence, we have contacted Selene no less than 10 times. We have since learned instead of returning the final check to us for our roofers final payment, Selene deposited the check. 

Our roof has been completed since XXXX. We can not get the final payment from Selene. Our roofer is placing a lien on our home Friday, XX/XX/XXXX. 

Please help!
On or about XXXX XXXX, XXXX I was informed by Equifax Credit Bureau that my personal information had been breached along with many others, and I noticed a hard enquiry on the CBR that I did not recognize. I called Equifax but have been unable to talk to anyone about the hard enquiry so it can be removed. The hard enquiry was made by XXXX XXXX, and I already have TV service, ( antenna ), have no need for satellite service, and I have never used XXXX XXXX here at this address. I use XXXX XXXX service and I have had it for years. I am a victim of Identity theft, and a victim of Fraud, since XXXX and I have fraud alert statement on my credit bureau reports, and I suppose to have a security freeze on my report but Equifax never sent me a ten digit code so as to be able to dispute any errors on my report to be able to temporary left/remove security freeze. IT has lowered my credit score and I have not applied for any service from XXXX XXXX and I called XXXX XXXX and complained about it, and all they did was send me a report showing that someone did in fact try to use my name and apply for XXXX XXXX service without my permission, but I do not know who. I can not seem to unlock/lock my credit report because there suppose to be a security freeze, but without a ten digit code, I ca n't do anything and I have n't received a code of any kind.
I contacted Equifax to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 )
POC : XXXX XXXX QWR Notice of Error Loan : XXXX Property : XXXX XXXX XXXX, XXXX, Ohio, XXXX Owner : XXXX XXXX XXXX Trustee Mortgage cosigner : XXXX XXXX XXXX 1. I have been notified by my counsel that the case XXXX has been asked to be dismissed by Faye Servicing counsel is this true? 2. If yes is the investor no longer going to be pursuing the note? 
3. If no what kind of time frame will XXXX be releasing the mortgage? 
4. XXXX 's attempt to collect discharged bankruptcy debt and there placing of illegal fees for improper Forced Placed Insurance on my property which over the past 4 years has accumulated in excess of {$3000.00}. This along with the old reinstatement amounts that I have been forced to pay over the past 3 years which have included XXXX attorney fees and inspection fess filing fees has forced me to invest money I did not have at the time well above the amount of the note on this property. 
5.I have now had to invest more money and devote more of my valuable time taking me away from far more valuable projects in my company pushing back very profitable projects to help with the defense of case XXXX. I will be looking for compensation do you have a contact number for a department that I can discuss settlement with at XXXX and if so please forward it? 
6.The mismanagement and negligent actions of the debt collection services for XXXX over the past 4 years and present have caused me undue financial hardship and mental abuse this has been a long and exhausting journey for me my wife and family. I hope that we can come to some common ground on getting this matter closed and behind me. As I as always express it is better to resolve things out of litigation rather than in court. XXXX as of today the file on this property in which I have forwarded to you by email and in a CFPB report list over XXXX e-Regulations violations not but least including violations of RESPA Section 6, Reg X, Z FDCPA violations and worst the 11 U.S. code sec.524, 944 attempting to collect discharged debt and violating the signed agreement XXXX court ordered by Honable Juge XXXX XXXX XXXX in case XXXX. Now making matters worst I have discovered this was placed as a foreclosure on my credit report as an extremely delinquent account this is not accurate I never owed a large sum the money that was trying to be collected. I only stood my ground and refused to pay on debt that I did not owe. I will looking for the investors response on the settlement of all these matters in connection of my loan. 



Thank You XXXX XXXX XXXX
my mortgage servicer ditech paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow. ditech took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit. ditech readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX  ditech paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse ditech the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with ditech. the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P &amp; I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX  ) the money " held in escrow '' should have been reflected as P &amp; I and my credit needs to be corrected.
XXXX   XXXX  has been reporting an account on my credit for way over  XXXX  years. I would see the account appear on my credit report and dispute it. The account would be removed for a few years ; then it would reappear. The account would appear under many different collection agencies names and account numbers. I have disputed this error with  XXXX   XXXX  and they could not verify the account and removed it. I then disputed the account with Equifax several times  XXXX / XXXX / XXXX ,  XXXX  with th e most recent time being submitted on  XXXX / XXXX / XXXX . Each time Equifax is stating that they have verified the information. I went t o Civil cou rt on  XXXX / XXXX / XXXX  and th e Judge ruled  in my favor that I do not owe this debt. Equifax is still reporting this debt on my report which is financially harming me. I have called the collection agency as well and they could not find the account ; but it 's still reporting.
On XXXX/XXXX/15 someone contacted synchrony bank ( walmart ) and requested a change of address to florida and had my credit limit changed from {$400.00} to {$3400.00}. No one from synchrony questioned theses changes, called me to verify or anything. This person made a lot of charges. on XXXX/XXXX/15 I recevied a letter from synchrony asking if these changes where made by me. I know mail only takes about three days to get XXXX. Upon receipt of this letter i called and was told what had happened and that i was not responsible for the charges. they gave me a new credit card number but because they were unable or unwilling to tell him how they allowed this to happen in the first place i had the card canceled. On XXXX/XXXX/15 they mailed me a fraud letter and i received it on XXXX/XXXX/15. I want a full explianation as to how my security with them was breached and why i was not called the day for this major change was requested. I also want a written apoligy for the hardship this has caused me.
never received notice that the debt was owed in the amount of {$12000.00} from MEDICAL DATA SYSTEMS the mark was added to my credit reports without any notification I was notified by XXXX ALERTS, didn't have any communication prior to that sent a debt validation request to the collection agency they sent back medical records with my personal health information and the amount owed which is a violation of the HIPPA LAW federal law prevents third party agencies to share personal records or health information to anyone without that person consent my PHI was also shared with the three major reporting bureaus
Chapter XXXX Bankruptcy-XX/XX/2017 I never filed for bankruptcy I have disputed this information with : Experian XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX
I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : XXXX, TransUnion and XXXX multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my XXXX, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.
I had a credit score of XXXX in XX/XX/XXXX then all of a sudden it dropped in the XXXX due to a tax lien from XX/XX/XXXX of {$170.00} which shows paid. I never received anything about a tax lien from anyone. My taxes and insurance were being paid by my mortgage company. If this happened in XX/XX/XXXX why all of a sudden is it on my report? I would like it taken off my report immediately. Thank you for your assistance
I sent the attached letter to Equifax on XX/XX/17 requesting an investigation into unknown unauthorized inquiries that have been placed on my report. I have called these places listed and none were able to locate anywhere in their systems where I applied for or allowed my credit to be viewed. I received a response ( attached ) from Equifax that does n't indicate any result of their investigation even well past FCRA time frame allowed for investigation. These inquiries need to be removed. I have attached my Driver 's License and Social Security Card as well. Any name, address, social, or personal information that is on my report that does not match, needs to be immediately removed to be compliant. Thank you
I just spoke with my realtor and was advised that this item from XXXX XXXX XXXX is still being reported to my credit, even though its been proven that this item isnt mine. Ive provided information over to them several of times, just recently the collection agency that they sold this debt to removed the collection item from my credit because it was proven that this debt isnt mine. The same information I reported to both companies and this item is still being reported. I can not move forward in my home buying process with this item still lingering. I need this company to remove this item otherwise I will be forced to provide this information over to my attorney and I will proceed with filing a lawsuit against them
This account is not mine and does not belong to me. This company bought this debt and wants me to pay on something that is not mine. I have reported this to all XXXX credit bureaus and they will not re-dispute it. Stating that the company verified it belongs to me but this company has not given proof.
I was quite alarmed this morning when I went to confirm my bank balance in anticipation of a large purchase I was making and found that my balance was quite a bit lower than I expected. I looked at my transactions and found that my mortgage servicer had debited my bank account twice for my mortgage payment. My payment is debited automatically, a process encouraged by the servicer when initiating the mortgage. 

I contacted the servicer and asked what was going on and they indicated that all of their customers who had automatic debits for their mortgage payments were experiencing the same thing ; their bank accounts had been charged twice for their mortgage payments. I asked to speak to a supervisor who had no more information on why and how this had happened and when I asked to speak to a manager I was told that there were none present because it was too early in the morning. 

Since this servicer has hundreds of thousands of customers and I would suspect that a large number of them have auto debit for their mortgages, the total dollar amount involved would be considerable. Is this a scam? When will my money be replaced?
I keep getting phone calls from someone saying his name is XXXX XXXX using a very abusive and brash tone saying I have to call him back so he can notified the creditor of my " willing participation '' before a certain time or legal papers will be filed. He claims mail has been sent and returned to him as undelivered, however I have had the same address for almost 5 years and he was able to find a newer cell phone number for me. He notes the phone conversation/phone call has been noted and recorded. Leaves a phone number of XXXX with no other information. I do not know whom this person is, where he is calling from, who he claims he represents, I don't know if it is a legitimate debt, old debt pass the time of collections, if it is a scam.
UNITED STUDENT AID ( USA ) FUNDS- was paid in full XX/XX/2016. The balance shows XXXX  which is correct but I am requesting the status be changed from Accounts With a Negative Pay Status-Derogatory to paid in full positive status.
I have never been contacted by One Advantage LLC regarding this debt. I would like full verification and not just my address verified. I want proof this debt is mine, an itemized statement of charges, all payments from insurance, dates of insurance payments and denials. Plus I want the HIPPA form sent to me. I want proof that I signed giving the original creditor the right to release my information to any 3rd party especially since this is medical related and violation of HIPPA could be involved. 

This needs to be removed from my XXXX credit report immediately while verification is being done.
I paid these highlighted bills on time as agreed but Credit Reporting Agencies continued to report them under Negative Accounts
I was sent an email onXX/XX/2018 from my company email address who I thought was from my XXXX XXXX XXXX   with my company. He had asked me to purchase XXXX XXXX gift cards for our elite clients, 20 in the amount of {$100.00} each which is not unusual for our company around the holiday season. After, I was to scratch off the back and to send him the codes. I tried several stores but was unable to purchase them until I finally went to XXXX   at XXXX XXXX XXXX XXXX., where I was allowed to purchase the 20 cards in the amount of {$2000.00}. Instead of typing in all of the codes, I took photos of them and sent them by email to my XXXX, the real XXXX XXXX. Later I than called him to be sure he received my email and he had no clue what I was talking about and never asked for the codes. I then when back to XXXX to return the unused gift cards but they said they were nonrefundable but opened up a case and took copies of my DL and receipts. They said someone would contact me but nobody has yet to this day. So then I went home and contacted XXXX XXXX where they told me the same thing but they were going to have the incident investigated and get back to me but they have not yet either. I have a conformation email from my conversation with XXXX that Friday evening when I spoke with them right after it happened and they stated that the cards were never used and to contact my local police department to file a report. I also spoke with American Express from which I purchased the gift cards with, XXXX and XXXX XXXX  and they all said there is nothing they can do to help me get my money back. I still have the gift cards and they have not been used, I just need to somehow try to find a way to get the money back from either XXXX XXXX  or American Express.