WillisBack/dataset-financial-user-claim huggingface dataset:
Tried to send euros to coinbase from a us account, the problem is that the bank account holder is different from the coinbase account holder, so the money did not credit nor refund. Tried to contact, send mails, ask the bank to made a callback, nothing happend. The transaction was on XX/XX/2017 for eur XXXX!
THE ONLY PHONE NUMBERS ASSOCIATED WITH MY NAME AND SOCIAL SECURITY NUMBER ARE ( XXXX ) XXXX and ( XXXX ) XXXX. 
**Please remove ALL other phone numbers on this report! They are fraudulent in nature!!
Experian only allows people to dispute online 50 %. When you get to the end of the dispute process, the website will deliberately kick you off so you lose the photos/supporting documentation that you try and upload. This corrupt type of racketeering needs to stop. How are we supposed to dispute with these corrupt giants, if they are using XXXX XXXX XXXX racketeering methodology to continue breaking the law. How are we supposed to keep contributing to the system, take out loans, and pay interest rates, if the Credit Reporting Agencies keep racketeering us? Doesn't that kind of defeat the purpose of what makes this world go around? So, what does Experian, XXXX and XXXX do? Nothing, they are not open for business to accept the consumers money in exchange for the worst customer service I personally have experienced thus far. So, once again they can just waste their expensive printer cartridges sending me a copy of my non-refutable information that I have already submitted that they intentionally will not allow. They are not getting ahead by this way of conducting themselves. It's actually costing them more money by doing this. If they were even the slightest bit intellectually mentally advanced as some of us are, they would understand that people are willing to hand them cash to get there credit reports accurate and up to date. It's 2018 lets show some initiative and get something done here. Thanks XXXX~
Yes, I am a victim of a mistake by Missouri Child Support Enforcement. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears!

It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.
This company has taken an account, that can not be verified as mine, and submitted it to the credit bureaus as a credit line. This is from a XXXX Cell phone, not a revolving credit. Every month, they are updating this account, which is preventing my credit score to be increased as it should. It is also making it very difficult to purchase a home since they placed this account as a revolving debt, it has increased my DTI.
I signed up for a capital one XXXX card in the XX/XX/XXXX, through an offer i received that clearly stated no interest for 15 months. however, after 11 months, Capital one began charging interest on my card. I believe i was misled by their marketing and scammed into paying more interest than predicted, causing me damages. I have been charged XXXX dollars per month in interest for months now before the 15 month promotional period even ended. Capital one is using deceptive marketing and advertising offers, and trapping consumers in deals that fail to live up to the promises made and what consumers are offered. I was caught off guard with these interest fees that should not have began until XX/XX/XXXX at least.
I received a promotional rate of 0 % interest for 12 months. However they are stating that it was only for 8 months. Which according to them should have been from from XX/XX/XXXX until XX/XX/XXXX. I have copies of statements showing interested charged in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I received partial credit for previous month. So this adds up to a total 4.5 months of promotional rate. All of this is documented in copies of their statements.
Midland funding repeatedly calls from different numbers to my work number and I got fired tod ay because of this. I do not owe them any money. They keep accessing my credit report illegally. A year ago they sent me a letter after complaining to CFPB that they made a mistake, an error in their records placed a collection on my accounts. They said they would remove the collection, they did this, but they keep sending me letters now every two weeks and keep repeatedly calling my work number. This is illegal and I have retained an attorney to sue them. Tell them to stop contacting me and please file a class action and close them down.
The reason for my dispute is because Ive been trying to dispute charges on my Chase Bank credit for {$2500.00} for charges paid to XXXX XXXX XXXX last XX/XX/2017. But I did not receive all the services that I purchased, I have tried to reach the merchant to get my money back, but I havent been able to reach them. I need your help getting my money. I paid them to create Social Media websites such as XXXX, XXXX, XXXX etc.., Coaching once a week and a Commercial Video. 
I answered a telemarketing call ; the sales representative used high pressured sales tactics and persuade me into thinking that it was crucial that I connect my online business website with the social media sites and by doing so it would connect links to my site and generate a great deal of business. He said it was key to achieving a successful online business. 

XXXX XXXX XXXX XXXX. misrepresented themselves and I now realize that this is yet again another scam and I was seriously taken advantage of by XXXX XXXX XXXX.
COLLECTOR IGNORED CEASE AND DESIST ORDERS AND CEASE COMMUNICATION NOTICES. THEY HAVE VIOLATED THE DODD FRANK ACT FOR THE LAST TIME.
I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018 I IMMEDIATLEY CONTACTED XXXX XXXX TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX  KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
This complaint is about credit reporting. I have contacted customer services at least 3 times and they would not take care of it. I am a single mom who works a full time job as well as a XXXX XXXX XXXX. It is already hard on me and not having the best credit is another thing that is holding me back on getting things for my daughter and just now finding out that I will have to get another car because the one I have is going out on me. Here are a list of things inquiries that I had no knowledge of ... .. 

XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
The collection agency " The XXXX XXXX '' called me numerous times. This morning they called again from XXXX and I answered. They asked to speak to XXXX XXXX, who is my XXXX year old mother. I told theM she was asleep and XXXX. The Representative XXXX XXXX asked if i would wake her up and i said no i would not and asked if i could help them as i am her son. She then explained that she was a debt collector and that my mother owed money to someone - I did not catch to whom - at this point I explained that she had violated the Fair Debt Collection Practices Act by disclosing to me a third party that : A. Who she was B. Who she worked for C. That she was a dept collector D. Who her client is She began to try to talk over me, insisting she had not violated the law. 

I asked for her name which she gave willingly, but I had to ask her a few times for the name of her company and she all but refused to give me her phone number saying " do n't you have it on your cell phone? '' I told her that the number that appears on my cell phone may not take incoming calls and that I wanted the correct number to her company, which after a few more requests she gave me.
I 've tried on several occasions ( dating back to XXXX 2016 ) to get this debt verified and proof that it belonged to me. I have not received a response or documentation showing proof that the debt belongs to me. I 've sent several letters requesting information pertaining to this debt and I have yet received a response or information I requested.
I purchased a home in XXXX XXXX. In XXXX XXXX, my mortgage was sold to SLS. I immediately began getting threatening letters from SLS about " inadequate insurance '' and was told I must make arrangements for coverage or face fines / litigation. According to the terms of my loan, property insurance is paid through my escrow account, however I have concerns that SLS is not acting within the law regarding collection and distribution of escrow funds. I did some further research and discovered that SLS has a reputation for such unethical activity. I am now in the process of refinancing with a reputable company, am worried about what SLS 's misbehavior will do to me financially until it is no longer my mortgage servicer. Please investigate and let me know what steps I should take to address this issue. Thank you
the credit line on pg  XXXX  shows   XXXX   XXXX   XXXX   in collection of  XXXX  past due with original creditor being   XXXX   XXXX   XXXX   XXXX   XXXX   and then on page  XXXX  it shows the same account   XXXX   XXXX   XXXX   closed and written off so its a duplicate acct I have sent a letter ove r 3 m oths and no reponse and the duplicate line is still there
There was a credit card opened up in my name back in XX/2014 with XXXX XXXX XXXX XXXX which i have never had an account with them ever in my life i am wanting this company to get rid of the negativity off my transunion report and delete it.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1100.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt,
Have made contact with collection company several times. They are very aggressive and refuse to verify the debt. Send them a certified letter on XXXX XXXX, 2016 that they received on or about XXXX XXXX, 2016. Have received no response from them.
Macy 's - Repetitive phone harassment from various phone numbers. To include : XXXX ; XXXX ; XXXX. They call several times a day interrupting me at work. I know who they are and what they want. Calling 5-10 times a day does not change my reply ...
I was contacted by this company. They said I had XXXX counts of check fraud against me and would be taken to court and I needed to call. I knew it was a scam but called anyway just in case. Long story short, I was told I had a loan for {$500.00} between XXXX and XXXX and when they went to take it from my account they could n't for whatever reason, so they tried to charge my now closed XXXX account, which I closed a couple months ago, and they could n't charge it since it was closed. I said I wanted documentation of this. They did n't tell me what company I got this loan from of course, just said the sub-lender was XXXX XXXX, who I found was a for sure scam after looking them up. They wanted me to pay {$770.00} which included the {$500.00}, {$70.00} insufficient funds fee, and {$200.00} to have my case dismissed. She later added a {$2800.00} tax lien. I said no, I want paperwork. I was abruptly transferred to a man who did n't ask for any information, just said the only documentation you will get is a subpoena. Your check was deemed worthless XXXX/XXXX/XXXX ... and I stopped him there. That 's not the date I was given. He said that 's not my problem I 'm a paralegal and you ca n't see our documentation until discovery.You broke the law and if the rep gave you wrong information that 's not my problem, my only job is to collect, I do n't care about anything else. I kept trying to get a word in but he talked over me. I just kept saying, this is all nice but you are now telling me a different story. Before I could even finish that sentence, he put me on hold for over a minute so I hung up. 100 % scam, I did n't have XXXX back in XXXX anyway. They left voice mails for me on my phone and my friend 's phone, so that really made me angry. The voice mail indicated I was being summoned for XXXX counts of check fraud and it was filed XXXX/XXXX/XXXX and I need to pay. She read off the last XXXX of my social, my name, DOB, and current address. The " paralegal '' said I got an email about whatever debt in XXXX and he read off my email address. ( no such email ) Just did n't appreciate how bold they were. I spoke with a XXXX or XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The man never gave his name.
This debt was paid over 5 years ago to XXXX XXXX and now it has been sold to a collection company name XXXX XXXX XXXX and it is currently being displayed on all three credit bureaus and I would like for this to be removed from all three credit bureaus as soon as possible
In my move from New York to Virginia in XXXX of 2017, I would receive XXXX   XXXX XXXX  bills in bulk forwarded from my previous address to my Virginia address. I was under the impression I had automatic payments set up. My XXXX XXXX XXXX charge that lasted over 90 days was for {$20.00} or so. I make over {$100000.00} a year so this obviously wasn't a financial burden that I was putting off. Yet, this {$20.00} bill has severely brought down my credit report.
On XX/XX/XXXX I purchased 4 tickets via the XXXX XXXX website from XXXX to the XXXX XXXX for our XX/XX/XXXX vacation, we flew from XXXX Oregon thru XXXX XXXX to XXXX where we arrived at XXXX instead of XXXX due to aircraft delays. We took our family and stayed at the airport since our XXXX XXXX flight was supposed to leave to the XXXX side of the XXXX XXXX at XXXX. When we tried to find XXXX XXXX much to our dismay it had gone bankrupt without telling anyone the month before and we had to purchase tickets to XXXX via XXXX XXXX  for {$880.00} the last minute price. When we returned from our vacation we contacted USAA and filled a disputed claim where USAA opened a claim, usaa then withdrew the claim saying we did not want to continue it and the time had elapsed and to contact XXXX XXXX, XXXX XXXX statement to the public which we made usaa aware of says to take this up with the bank or credit card company. That email was on XX/XX/XXXX ... we are now trying yet again on XX/XX/XXXX via phone because they have locked the ability to dispute these transactions. We have provided USAA with local news in Hawaii showing that the airline had closed and there is no longer XXXX XXXX website. We did not receive services and and being penalized for the date I purchased airline tickets. Below is the new article with the statement from XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
When filing paperwork for a home refinance loan, I was advised not to open an escrow account because we owed money to our property taxes from a HERO loan for work done to our home and part of the refinance agreement would be paying off the HERO loan and the property tax bill would subsequently decrease greatly and therefor we wouldn't overpay our loan servicer unnecessarily. Once our refinance loan paid off the HERO loan, I requested the loan servicer pay the next tax bill from our escrow account. The property tax bill is due tomorrow, XX/XX/19. I submitted a written request with my updated/latest tax bill and insurance information as required on XX/XX/19. I called to check in several times and was notified I had submitted all documents properly and that the request would be escalated in order to pay the property taxes in time and to open an escrow account. After not receiving a response by XX/XX/19, I submitted another written request. By XX/XX/19, two weeks prior to the tax bill being due, I called in and asked to speak to a manager, who then told me he was creating a " manager escalation '' and that, again, I had accurately provided all documents requested, and that I'd receive a response in 3 working days. I received the formal response stating this on XX/XX/19. I have tried contacting the customer service and manager numerous times since that date, more than 12 working days past XX/XX/19 and am now going to have to pay the tax bill out of pocket tomorrow, on XX/XX/19.
I was put on a program paying {$400.00} an month for 12 months for all my student 's loans including the one I cosigned. Now I called them to check the status of the program and I was told that they XXXX I cosigned was not included. In good faith I made my first payment in XXXX and authorized Navient to take every month the amount of {$400.00} from my debit card every month. How it is that now that loan was not included? And even when I asked what 's lower that the monthly payment could be the representative reluctantly said there 's nothing she could do because the loan is not 90 days past due. They should n't be lying if they know that they ca n't combine the payments for every loan.
Payment made in full but 2 hours past deadline ( XX/XX/XXXX @ XXXX ), was charged {$100.00} interest fee. Was upset that they would n't remove the charge so closed account after paying next bill on time on XX/XX/XXXX. Trying to pay remaining balance this month, was charged an additional interest charge of {$77.00}. Company is  claiming in customer chat that they charge interest for 2 months after a late payment even though I was a customer for around 10 years and this has never been the case. I believe they are just trying to stick me with a fraudulent fee because I am ending my customer relationship with them.
I have a collections from Central Finance control aka Syndicated Office Systems. After reading about their illegal debt collections practices on your web site. In my case I never heard a word from them. The only way I discovered this claim was when I looked at my credit report. It appears to me that they violated my rights in XXXX ways. 1. They did not respond to my request within 30 days. 2. They never sent debt validation notice.
On XX/XX/2016, Amerisave Mortgage Corporation contacted me about refinancing my home. They told me that even though I have a remodified loan and therefore was n't able to go FHA and due to a bankruptcy 2 1/2 years ago ( even though did n't involve my home ) would not be able to do a conventional refi, they had " means to bypass FHA requirements and ensure [ my ] refi ''. 

Yesterday, XX/XX/2016, they contacted me ( after MANY contacts over the month ) and told me I 'd best lock right away on a rate as the market is so unstead, blah blah blah. Of course, rates are going DOWN, not up but Amerisave 's closing costs keep creeping up and they said they are " uncomfortable with what tomorrow might bring in terms of their closing costs as they are computerized and unpredictable ''. 

I decided to go ahead and lock with the assurance that I could opt for a lower rate or discount right up until the day before closing. 

As I was doing so their closing costs kept rising over the course of a half hour at the rate of {$200.00} every 10 minutes. The representative, XXXX XXXX, kept telling me that no matter what my computer or phones are telling me ( they all said something different as use different cookies ) that at closing I 'd only be paying {$400.00} and just to IGNORE what my devices said and that hers was the only accurate one at {$400.00}. 

She told me that she needed my debit card password and XXXX digit code for security ( that I was serious about following through with a refinance on my home ) and while I expressed my hesitation and concern that I did n't understand the fluctuating figures before me, " not to worry, you 'll only pay {$400.00} at closing '' and " WHEN THE APPRAISAL IS DONE we will charge {$420.00} ''. 

She coached me on how to answer all of the questions for finalization said " the appraiser will be contacting you for a firm date ''. 

She called not even five minutes later and said " I 'm sorry but we are not going to do your refinance. You do n't meet our requirements ''. 

I IMMEDIATELY went to find my bank 's phone number to warn them that I 'd given my password and XXXX digit code so that they would stop any entity from gaining access to my funds ( at this point I realized that something was VERY AMISS with this organization ). I opened my account to get their phone number and to my SHOCK they 'd STOLEN {$420.00} from it WITHOUT MY APPROVAL! 

I 've since learned that this type of activity is not new to Amerisave, who was fined XXXX just two years ago for the same type of nefarious activity. 
XXXX XXXX XXXX said she 's very sorry that she wasted my time and HERS! HERS!??? Yes, she specifically stated that she is " sorry [ she ] wasted [ her ] time ''. Actually, I think she was doing exactly what Amerisave told her to do ... commit fraud and steal from unknowing individuals. 

OBVIOUSLY this is an entity that HAS to be STOPPED! They lie to unsuspecting persons from the VERY MINUTE of contact. I did NOT contact THEM.. they contacted ME. 

I 'd not even known of their existence prior to XX/XX/2016 and wish I never had.
My flood insurance for the year of XX/XX/XXXX was cancelled due to non payment from my escrow account. I was sent an over payment check from my escrow account that was supposed to be used to pay for my flood insurance, then told to me by your agent XXXX that this was a mistake on Quicken side ; this is not reliable business to have since I 'm living in a flood zone area in XXXX Va. Then XXXX tells me that I would have to pay the money back that I was n't expecting, to pay on a cancelled flood policy that has n't been pain on since XX/XX/XXXX.The money has been spent. 
I was not notified that I had to pay any money back when I received the check ; that 's a mistake that Quicken made. 
I have since got another flood insurance policy and paying much less than before ; there should be a change in my mortgage payments, why do I have to wait for a escrow analysis because of mistakes Quicken has made. I have also changed my home owners insurance for a decreased premium rate and still paying the same amount of mortgage. which brings me to another mistake Quicken has made, told to me by XXXX, by paying 2 premiums in the month of XX/XX/XXXX, for my home owners /hazard insurance, each payment was XXXX, WHY? why is my hard earned money being tossed around this way? I 'm amazed and not happy about this
XX/XX/XXXX Open dispute complaint against vendor for refund of merchandise. Tried to work out with vendor prior. 
XX/XX/XXXX Received correspondence that complaint was closed as I still had merchandise. No further instructions given XX/XX/XXXX Advised bank that merchandise return along with proof XX/XX/XXXX Bank advised that I had until XX/XX/XXXX to respond. XX/XX/XXXX, did not advise of this. Thus my account was rebilled and no refund issue. Bank advises that case is closed