WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I sent {$2700.00} through Western Union to pay my two mortgage payments to XXXX MS. On XX/XX/XXXX I received a letter dated for XX/XX/XXXX that my money had ben declined. When I called Western Union the representatives who I spoke with ; XXXX ID # XXXX XXXX, XXXX ID # XXXX, XXXX, XXXX Id # XXXX, XXXX, XXXX, XXXX, XXXX and XXXX gave me the run around. I was sent to locations in XXXX New Hampshire, XXXX  XXXX XXXX and then XXXX Massachusetts. 

Not one of the locations were able to give me my money back despite Western Union insisting that they would. I called Western Union back they gave me a case number which is # XXXX and reassured me that my money would be overnighted through XXXX XXXX. When I called them today XX/XX/XXXX they stated that they could not provide mw with a tracking number and stated the check was delieved on XX/XX/XXXX. I explained to them that I have not received any check and nor a XXXX XXXX delievery. I told them that if they do not provide me with a tracking number that I would be filing a complaint. I feel that I have been robbed by Western Union and I feel it is fraudulant of them to not send my {$2700.00} back to me.
This continues to be an " ongoing '' complaint I have submitted against TransUnion concerning my XXXX XXXX acct. TransUnion continues to show me as having a high balance around XXXX but it was due to the reduced overall credit limit by the company that was the holder XXXX XXXX XXXX XXXX ) I called the bank and they were unable to correct because they sold the account. I contacted XXXX XXXX to update and report that my high balance was actually XXXX with a XXXX dollar balance. TransUnion also did not correct my payment XXXX I do not pay XXXX but always XXXX dollar payments per month. I currently now have a XXXX XXXX XXXX that should not be for I have not requested credit and I paid off two major accounts totaling close to XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX!
We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My FICA score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with Experian who has NOT updated the other  XXXX  bureaus! NOTE on each complaint filed  XXXX   XXXX  WAS included as was  XXXX !!!!
I had a public record for a unpaid tax lien for NYS through XXXX XXXX XXXX that I provided proof it should have been vacated and deleted. Experian did delete it- and now it has reappeared. I am trying to buy a house-and this is causing a tremendous financial strain- as it has made my fico score drop.
To whom it may concern, I '' m filing this complaint against a CitiMortgage, in the hopes that you will assist us in resolving this matter. I have been in the process of selling my home for the last two months and on XXXX XXXX I spoke to XXXX, in customer service, and requested that ALL Electronic Fund Transfers of my mortgage payment be suspended. XXXX confirmed that there would be NO DEDUCTION for XXXX or XXXX. 

On or about XXXX XXXX, Citibank, did deduct the {$1600.00} per month mortgage payment. I spoke with XXXX on XXXX XXXX about this and was told that the funds would be replaced and that once again XXXX EFT payment will be suspended. 

This morning, I was notified by CitiMortgage, that my XXXX mortgage payment was taken again and that I have overdrafted my account. 

Not only is this causing serious financial issues with me, but it 's also causing a tremendous amount of XXXX. I 'm asking for your assistance here in dealing with this matter once and for all. Please contact me at your earliest convenience -
My lease with The XXXX apartments was terminated in bankruptcy including the debt. The XXXX Apartments was sold to XXXX XXXX Apartments. The debt was then transferred to Rent Recovery Debt collections and placed on my credit report. I 've disputed the debt with XXXX And XXXX but with no luck. The dispute was opened a little over 2 months ago with no reply from XXXX. And XXXX simply adding a comment on the account that the collector could not locate me. Since the original debt was discharged I dont think they should be allowed to report it on my credit report and I 'd like to have it removed. XXXX also changes my entire report on a monthly basis changing my name from XXXX XXXX XXXX to XXXX XXXX and with each change a dozen accounts disappear then reappear a month later when they change the name again. This drastically changes my credit score.
In XX/XX/XXXX, I called Macy to pay all balances in full through phone, and the Macy representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, XXXX, and XXXX, I have found that my credit reports showed my closed Macy account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to Macy and requested an investigation to resolve the issue. In the letter, I provided Macy with full name and account number. 

On XX/XX/XXXX, Macy wrote me a letter to request me to send Macy the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to Macy to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested Macy to investigate. 

On XX/XX/XXXX, Macy responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how Macy came to that conclusion. 

I do not agree Macy 's conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with Macy tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since Macy is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request Macy to notify the XXXX credit reporting agencies : XXXX, XXXX, and XXXX to remove or delete the negative item on my credit report.
Fillied a disputes on XX/XX/XXXX About two transactions from XX/XX/XXXX for {$2500.00} and XX/XX/XXXX for {$2900.00} for XXXX. 
This vendor has failed and canceied all the services purchased. Capital One has failed to abide by Consumer Protection Laws.
I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had XXXX XXXX, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.
XXXX/XXXX XXXX I have disputed the educational loan XXXX/XXXX   XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
I confronted TDbank in XXXX ma. I explained that our accountant XXXX XXXX was in our opinion had stolen the funds from our lottery ticket for XXXX dollars. XXXX XXXX XXXX XXXX XXXX XXXX ma, has been charged and convicted .we had our house broken into all files stolen.police report filed .i closed this account and I have never received any paperwork on this account as we closed it and now XXXX tells me I owe this bank XXXX I owe nothing and this is interfering with me obtaining a proper safe home for myself and my XXXX child this account reports closure status unknown and a report date of XXXX/XXXX/12 I am still at the same address as i was and no checks ever got ordered to this account .TD bank needs to fix this
In XXXX I requested Harp loan applications from our first mortgage company.. Filled out application and faxed all document to them on XXXX XXXX, 2015. They later requested a hardship letter which I did and faxed to them on XXXX XXXX, XXXX then they waited until XX/XX/XXXX. to request section XXXX & XXXX so I did that and faxed to them. We are into XX/XX/XXXX now and they are asking for repeat documents again. I have never seen anyone delay, delay, and delay the process of my HARP request. I have tried to talk to them about why they could not ask for all documents needed to send at the same time. Each time I sent the documents they needed they would postpone contacting me for an appointment for at least 2 weeks. then they needed something else. There is no way to get any help for this loan request. I know that if I do n't receive a HARP assistance within 2 months I am afraid I will have to start the default process which will lead to us leaving our home. I tried to get help from my mortgage company and they have no intention of giving a reduction in the principal or lower interest. I am currently not in default and am trying to stay that way.. but I think that I need to file this complaint so other families will not fall into this same despair.
When I landed on the page to find more information about the CitiSimpilicity Card, there were some details of Terms and Conditions, but the webpage said to begin an application to find out more information. Because I was interested in transferring a balance, I began the application to find out more, only to find out that the credit limit I was applicable for was too low to transfer my entire balance from another card. But the company had already opened an account for me before I had the option to reject the credit offer they had offered to me. I do n't want the card because I ca n't use it for my intended purpose ( transferring the entire balance of my other card ), and when I called customer service, they told me they could n't stop my account from opening and that I have to wait until I receive the card and then close my account. I know this will hurt my credit score. I would n't have applied in the first place if I had had all of the information before being directed to apply for the card.
This is a HELOAN. My monthly payment was always XXXX. I was late paying my taxes which Mr. Cooper paid part to the City. I paid this back and continue paying my real estate taxes to my City. In  XX/XX/XXXX I filed bankruptcy with a discharge in XX/XX/XXXX. During which time I never received statements from Mr Cooper, I made several calls asking why no statements, but got no justified answer. My outstanding balance owe in XX/XX/XXXX was {$1800.00} and in XX/XX/XXXX escalated to {$4700.00} even though payments made during that time exceeded {$9000.00} ( BLOCK OUT PERIOD ) The amount owe continue to increase. Now {$7000.00}. Mr cooper stop taking my regular payment in XX/XX/XXXX. I was told my account has been forced escrowed and was told by some staff this escrow will be removed since I am up to date and I have been making my Real estate tax payments. I FEEL THIS AMOUNT OWE IS INACCURATE AND MY PAYMENTS ARE NOT BEING APPLIED CORRECTLY. The HELOAN NOTE agreement has been violated. I have been charged late fees in excess of the agreement since XX/XX/XXXX ( fee should not exceed {$10.00} and at times was charged $ 20- {$45.00} ) until corrected in XX/XX/XXXX. I have been Charged 3rd party fees totalling {$490.00} and no one could explain why. 
My request to Mr. Cooper 1/ Please apply my HELOAN payments correctly so I can see what I actually owe dating back from XX/XX/XXXX. 
2/ Please Discontinue the escrow and return my excess payments since I was never notify of escrow.

3/ Please provide me with statement on my account XX/XX/XXXX to XX/XX/XXXX to verify what went wrong.

4/ Please refund me all unauthorized 3rd party fees charged.

5/ Please refund all late fees charged in excess of the agreed amount on the HELOAN Note agreement.

6/ Please make my loan corrected.
I disputed a inaccurate bankruptcy on my credit report that isn't mine with the credit bureaus. It was removed XX/XX/2018, then reinserted without notice which is required by the FCRA and notice has to be given by the credit bureaus in writing 5 business days after reinsert. I received nothing from this company. This is a clear violation of the FDCPA legally. I have a right to a fair & accurate credit report. I have also contacted the bankruptcy courts by mail & email & provided copies to this company. I have also been told they don't verify with credit bureaus so they can't provide me any information. I am demanding this deleted immediately for this is ruining my credit & doesn't belong to me.
Paypal has failed to send payment to settle Federal Civil claim, Paypal still continues to placed unauthorized holds on the account, most recent limitation placed the account placed on the account on XXXX/XXXX/2016, was from an Transaction that occurred on XXXX/XXXX/2016. Paypal has also failed to dispute an Transaction in the amount of XXXX, Paypal still operates as an Bank without recourse.
Spoke with Midland Credit Management back in XXXX and was going to work with them. Gave them a date that I would get back in touch with them ( was within a week ) and they continued to call me 3 -  5 times a day until that date. On that date I informed them to stop calling me as it was interrupting my work and daily life. 

Afterwards the calls picked up. I get calls anywhere from XXXX to XXXX CST 7 days a week. Currently I have blocked over 30 phone numbers that Midland has used to call me. Many of these numbers are not active so I suspect they are spoofing their caller ID. 

This is beyond harassment and is very unprofessional. I could understand if they called once a day Mon- Fri but as I stated I have blocked over 30 numbers belonging to them and those are just the ones that I blocked. I keep records of every call that they make to include date and time. 

I wish to handle this without litigating matters but if it comes down to it I will do what I have to do.
TItleMax repossess my truck in the month of  XXXX . I tendered a negotiable instrument to TitleMax via certified mailing for full settlement of the devt owe to them. The tender was refused and TitleMax did not return my truck. This Govern by   XXXX   XXXX  . see below   XXXX   Georgia  XXXX   XXXX   XXXX  - COMMERCIAL CODE ARTICLE  XXXX  - NEGOTIABLE INSTRUMENTS PART  XXXX  - DISCHARGE AND PAYMENT  XXXX  - Tender of payment O.C.G.A.  XXXX   XXXX    XXXX    XXXX   XXXX . Tender of payment  (  a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.      (  b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.      (  c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.    Disclaimer  : These codes  may  not be the most rec
Good afternoon, A false, fraudulent and/or incorrect account appears on my credit report. 
This referred account is a Bank of America account number XXXX. 
I have called Bank of America numerous times to attempt to resolve the issue and have disputed the referred account to XXXX credit agency. 
These attempts have been unsuccessful and XXXX   has notified me that I need to speak with a bank representative which, after numerous attempts, has also been unsuccessful. 
Please eliminate this account and notify XXXX, as it has significantly tarnished my credit score and purchasing ability.
Most accounts are changed off they need to be taking off also all the unclarified why all those hard hits are on my credit I have not done them
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : TransUnion, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via ConsumerFinance because I need your prompt response to this issue. 
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX XXXX XXXX
I have made three requests for the PMI Insurance to be removed from my primary mortgage. Two have been in writing and one verbally. Every time I inquire about this, they claim they 'd not received my request and to send again. During our latest conversation, they 'd requested that I submit another request. Clearly, this company has no intention of following the law according to The Homeowners of Act of 1998. I am asking that the company, Statebridge, be compelled to follow the law. Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX
There is an account listed on my Experian credit report that does not belong to me. This same account was also listed on my XXXX   and XXXX reports, and I was able to quickly and easily get the account removed from those reports as the account did not belong to me. Experian has not removed the account, despite attempting to submit a dispute to have the erroneous account removed. 

Experian has made it extremely difficult to submit a dispute online in order to get this corrected. I was not even able to access my credit report in order to submit a dispute until I filed a different report with CFPB back on XX/XX/2017, and Experian sent out a copy of my credit report in response. With the report number listed on the report that they mailed to me I was finally able attempt to submit a dispute online. I still have not been able to even submit a dispute for the erroneous account as Experian 's website will not allow me to complete and submit a dispute for the erroneous account.
In XXXX of XXXX I submitted a consolidation application and selected XXXX as my loan servicer. At the time all but XXXX of my loans were being serviced by XXXX. Those XXXX were being serviced by ACS. XXXX processed the application and they tell me that they sent payment to ACS on XXXX XXXX, XXXX. ACS has informed me that they transferred my loans to XXXX on XXXX XXXX, XXXX. XXXX now says that those XXXX loans are in repayment and have not been paid. XXXX tells me that they have not received the returned payment they made to ACS and can not, therefore, proceed with the payment to XXXX. ACS informed me today that they received payment from ACS but because the loan was already transferred to XXXX they returned the payment, but that they show that it was returned to XXXX XXXX Servicing, with whom I have never had an account. They tell me they will investigate but I was told on XXXX XXXX by a XXXX representative that they would investigate and take care of the situation. I 've been waiting for almost a month but the consolidation has not been completed I am repeated told by all XXXX servicers, XXXX, ACS, and XXXX that they are waiting on something from the others and it will be taken care of if I 'm patient. But that 's simply not true and it would never have made it to this point without my persistence.
I am an attorney so I know the law of payment systems and I know a law was broken here. I went to a merchants website and hit the " go to paypal '' button. When I logged into paypal, the payment company transferred money out of my bank account and into the merchants account. This was done without my consent and no authorization occurred. I contacted paypal within the hour and paypal considers it a valid transfer even though I just logged into paypal without authorizing a transfer. Paypal calls this the new, improved " XXXX XXXX '' service where it make a fast and instant transfer without the usual customer review and consent. I want my money back of course but - more importantly - for paypal to stop this new practice of money transfers without consent or authorization.
On XX/XX/2018 Coinbase.com locked my account with no warning and has not provided any service in helping me access my funds. I have taken a serious financial loss as a result of their ( non ) actions. I received an automated email that the name on my bank account does not match the name on my driver 's license, which is simply not true. I've tried upwards of 5 times to contact Coinbase and have this issue resolved but I can't even get a response to an email from them. Phone representatives refuse to provide an estimate of how long it will take them to fix my problem. Again, this is a 30 second fix to verify that my name on my bank account matches the ID I have provided them. I'm taking serious financial loss from their lack of any support at all, and I desperately need your help. Thank you.