WillisBack/dataset-financial-user-claim huggingface dataset:
From : XXXX XXXX Email : XXXX Cell : XXXX To : Capital One XXXX XXXX XXXX XXXX, VA XXXX Fax : XXXX RE : Amendment Claim # XXXX Trace Claim # XXXX Ref # XXXX Recall Case # XXXX XX/XX/XXXX Dear Sir/madam ; I sent out a wire in the amount of USD XXXX   from my Capital One account on the XXXX of XX/XX/XXXX. My branch is located at XXXX XXXX in XXXX, VA. A copy of the wire is attached. The next day, on the XXXX  of XX/XX/XXXX I  requested an amendment as the account number for the recipient XXXX XXXX XXXX XXXX XXXX, that had been entered was incorrect. The correct account number for them was XXXX.

I received a letter from Capital One dated the XXXX  of XXXX that all should be good with the wire referencing my Claim # XXXX. A copy is attached.

The recipient XXXX XXXX XXXX whose correct account number XXXX  with XXXX XXXX in XXXX, XXXX has still not received the funds till date the XX/XX/XXXX. They have also initiated a trace from their side and have not heard anything yet from Capital One.

I initiated a trace ( Trace # XXXX  ) on the XXXX  of XX/XX/XXXX and have not heard anything back from Capital One. Today is the XXXX  of XXXX  and I have initiated a Recall on the funds from the XXXX  branch with the Claims Intake Department. I spoke to a lady by the name of XXXX  and her supervisor XXXX ( EID : XXXX  ) who told me that the processor will call me.

It has been more than 30 days since I initiated the wire. I request you to please treat this with the highest priority, escalate the matter and advise me when the funds will be returned to my account.

Appreciate your prompt response.

Sincerely ; XXXX XXXX
I would like Experian to remove inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
I have not had any success with contacting the credit bureau and the online dispute center does not allow me to sign in. There is a fraudulent bankruptcy reporting on my credit report, this has been reported to XXXX  and they have removed it due to finding that it was indeed fraudulent. With no success reaching Transunion I am now filing a complaint to have the fraudulent record removed because I did not file a bankruptcy
Last year the weekend of XXXX XXXX, 2015 there was a glitch in their debit mastercards. Customers were charged twice for their purchases. Huntington did go through and refund all the double charges. 
- Some customers like me had checks bounce and payments bounce because of the excess of charges caused the account to go negative. I had to pay Return Check Fees to the merchant 's that were sent back. Huntington refused to cover any other merchant fees. 

Huntington offers a 24 hour grace for checks that may not clear this gives you a chance to go in and get your account caught up. The problem is you do not know if they will give you a chance for the 24 hour grace or not there is no clear guidelines. You are told it is at the Bank 's discretion. I have a disclaimer for the 24 hour grace if XXXX XXXX needs it. 

I have written the Consumer and Financial Protection Bureau because of the excessive fees that Huntington has imposed on my account. In XXXX some of them fees were finally returned. 

Our account has been in good standing and in XXXX I found out that huntington took my account from a " Huntington XXXX account '' to a " Asterisk Free Checking '' without notice or my permission. I have asked why and they can not answer my question. They tried to say it was to save me money. Which makes no sense because I did n't ask to have it changed. I did not want it changed and was not notified that it was changed. 

Then on XXXX XXXX, I found out a check I wrote a week earlier was bounced back. I had {$14.00} in my account and thought the check cleared. The check was for {$35.00} and they sent it back. 
I called and called and tried to find out why I did not get " 24 hour grace '' and asked why? They said it was at bank discretion ( We have had 24 hour grace for larger amounts ). Immediately I paid the Overdraft fee to bring the account current. 

On XXXX XXXX, the check went through again. I was charged another {$37.00} on the same check. 

The problem is Huntington refuses to return any money to me. They say they can not return any money because they credited my account too many times. 

I then asked why I was not offered a 24 hour grace and finally I am told " you overdraft too many times and you are no longer eligible '', I asked why I was not notified? 
The bank 's reply was " We do not have to notify you ''.
My concern is not listed, but here it is. 
My XXXX and XXXX scores are only XXXX or less values in difference. 
XXXX and XXXX respectively. Equifax, however, consistently has my score at almost XXXX points less than both. I have been told that because I live in a predominantly XXXX area, this is a racially motivated discriminatory practice based on zip code. Meaning the score is deliberately manipulated this way in predominantly XXXX zip codes to prevent us from obtaining fair and low interest rates and even to deny credit altogether. I would like an investigation into this. My score with Equifax should not be cosistently XXXX points lower than the other XXXX reporting agencies and all XXXX have the same credit profile. This has happened with others in my neighborhood as well as my husband.
XXXX  and Experian are still reporting public records information to my credit reports that their public records vendor has CLEARLY removed. Please see enclosed notice from XXXX.
On XX/XX/2018 I was served court documents from the County sheriff that I was being sued by XXXX XXXX XXXX. First, I am a XXXX veteran with XXXX XXXX  XXXX. It is not appreciated that scare tactics, such as using a sheriff to deliver court documents because it resulted in me having a XXXX XXXX in front of my daughters. Second, I have NEVER received any correspondence from XXXX XXXX XXXX, a debt collection agency, nor have I NEVER received any phone calls from XXXX XXXX XXXX in regards to debt claimed owed. My rights under the Fair Debt Collections Practices Act were violated, because I was NEVER given the opportunity to dispute the debt within 30 days to XXXX XXXX XXXX. If I was notified properly, I would have disputed the debt within the 30 day time frame and I was denied this right. 

In regards to alleged debt owed : 1. I have no contract/credit card agreement with my signature on it with XXXX XXXX XXXX and this proof needs to be provided. Provide documents with my signature on it. 2. provide ALL XXXX XXXX XXXX XXXX to show the purchases I made through them, and the payments I sent directly to them. XXXX   statements is legally insufficient. 3. Provide a bill of sale showing that XXXX XXXX XXXX paid the FULL amount of debt of {$5000.00} directly to XXXX XXXX XXXX XXXX ( not a charge off amount ), since XXXX XXXX XXXX is a debt junk buyer and is trying to get more money than what they paid for debt. I have also submitted a complaint to the XXXX XXXX XXXX and contacted a lawyer in XXXX for the violations they have committed under the Fair Debt Collections Practices Act and for the emotional distress that was put on me because of their scare tactics used.
I contacted XXXX a couple of months ago concerning SCA Collections reporting to them a medical bill that does not belong to me. Both XXXX and SCA have blatantly ignored my requests and continue to report false information in my credit report. It is ridiculous how companies are allowed to get away with reporting whatever they want and the consumer having to jump through hoops to straight out THEIR mess. If this does not resolve the issue, I may be forced to take legal action. This is the second complaint I have filed with the CFPB. The medical bill DOES NOT belong to me! Secondly, this company IS NOT LICENSED to collect in the state of Florida so even if the debt were mine, which it absolutely is not, SCA is illegally attempting to collect. Why do n't they have to furnish a license? Why are they able to get away with illegal practices? I request ANY AND ALL documentation supporting their claim that this bill was acquired by me. I need a signed contract between myself and SCA Collections to prove validity of this debt. I will not back down. This is MY credit and MY life! I will not let this go!
I was denied a modification on my loan twice. After paying the application fee, providing all the documents requested. I was threaten about losing my home .Had to struggle to make my monthly payments, was told could not help. Threaten foreclosure had to take more loans and further get into debt. Felt like l was being bullied or force no matter what.
A servicing company is trying to use a foreclosure mill law firm in Texas to foreclose upon my home when they ( the Servicing Company ) do not have any legal standing in my case. I have rescinded the loan under TILA and they are still proceeding with a foreclosure on a deed of trust that is now void. A notice of sale was recorded, and there is a pending sale on my house for XX/XX/XXXX
Over {$150000.00} in student loans and the amount keeps adding up. The interest is killing me and every time I asked for a deferment or some extra time they but my loans on forbearance and charged me interest.
I am working with a credit counseling service to deal with my debt issues. The company, Green Pine Lending, is calling before XXXX local time and is also harassing friends.
I accidentally clicked on what I thought was a Pay Pal fast pay option that signed me up for Pay Pal credit. 
I attempted to remove it on line but you can not. 
I had to call and have the account removed, the whole process felt it was designed to deceive the consumer, and it was not easy to cancel the credit Even though I cancelled the credit within 24 hours, there was a hard enquirer on my credit report.
We recently paid off our HELOC. We have been getting statements regularly from them for a few months. Called to close the account and was told that we need to pay a fee to draw up the papers to see if we could close it. I complained about this and the representative said they would draw up the papers and waive the fee. I just got a statement from them and it says they want us to pay XXXX separate fees to close the account. This was not disclosed to me and seems wrong. The statement clearly shows XXXX due. I should not have to pay for them to close the paid up account.
I visited XXXX XXXX XXXX on XXXX/XXXX/XXXX and paid my co-pay at the time of service ( see attachment ). It was {$50.00} for a specialist visit and that is not in dispute. This was not submitted to my insurance company by them until the following year in XXXX of XXXX. In the meantime XXXX XXXX XXXX provider ) changed entity names and billing systems at the end of the calendar year XXXX ( or so I was told by their representative ). My employer based insurance changed to XXXX in mid XXXX XXXX when my employment ended. There is no dispute with the insurance carrier XXXX XXXX XXXX 
I was billed again for the same visit in XXXX XXXX which I mistakenly paid, then realized my error when my Explanation of Benefits ( EOB ) did not add up to XXXX XXXX billing. They continued billing me the {$50.00} charge for this service date until I contacted them in XXXX ( see attachment ) and explained I had paid this twice and it was not being correctly applied. Eventually in XXXX XXXX they found the payment had been misapplied and ultimately credited me the {$50.00} owed back. I thought this issue was resolved. 
Then yesterday I receive a Credit Collectors notice ( see attachment ) for payment of this same bill for that service date. I have contacted XXXX XXXX again today and they said it was misapplied and would attempt to correct their records. I have no faith in their ability to resolve this without monitoring/enforcement by appropriate agencies such as CFPB. This has resulted in me spending many hours to resolve their billing problem and no assurance it really is resolved. I 've requested a detailed billing from them on payments/bills from the XXXX qtr of XXXX through XXXX qtr of XXXX. But I had done this before earlier this year evidently to no avail. Please follow up with them to help me resolve this issue completely. Thank you!
In early XX/XX/XXXX, I contacted Equifax about an erroneous item regarding XXXX about an unresolved dispute dating back to XX/XX/XXXX. Equifax said I needed to contact XXXX. I contacted my credit card provider, XXXX  about the erroneous report on my Equifax credit report showing an unresolved dispute dated XX/XX/XXXX. XXXX confirmed there were no outstanding issues and that I needed to write a letter requesting resolution to XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX with the appropriate details. The XXXX rep said with my letter, XXXX would send notification to Equifax to clear the item. 6 months later, I have not had any response from XXXX and the incorrect unresolved dispute from XX/XX/XXXX is still showing on my Equifax report. I called XXXX today and I spoke with XXXX, " the building dispute supervisor. '' XXXX was particularly unhelpful and told me to contact Equifax and that XXXX could not be of service and completely contradicted the instructions I had received from XXXX 6 months prior. I requested a letter from XXXX confirming there were no outstanding disputes dating back to XX/XX/XXXX but XXXX refused to be of assistance. It has been my experience that customer service has declined markedly at XXXX in recent years and any issue requires multiple emails and phone calls and escalation to higher management to get simple matters resolved.
My mortgage is serviced by Wells Fargo ( WF ). In XX/XX/XXXX, I had to stop working due to illness. I reach out to WF for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with WF. I was told it was still under review, but told me I could not send any payments until they ( WF Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later in XX/XX/XXXX, WF, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & WF.  Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, WF, still has a late payment on my Credit file ( over 420 days ) & refused to  resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX, & still no decision. In the meantime, no payments or being made or accepted by WF until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. WF has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending since XX/XX/XXXX. WF says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.
I consolidated my loans and began a wage garnishment with my employer on XX/XX/XXXX. They are taking 25 % out of my check every week. 

About a month ago, my wife, daughters, son-in-law and father began getting phones. A company said they needed to talk to me about a " loan '' or a " legal matter. '' Then, on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, saying that my federal student loans are currently in default. ( I thought I only had one loan. ) I'll attach a copy of this letter. That XXXX has hired them to collect, due to my being in default. 

Then, on XX/XX/XXXX, I received a similar letter from XXXX, alleging the exact same thing. The interesting thing is that there is no phone number on this letter. No way to contact them, except to write. 

I'm also going to attach a copy of the XXXX XXXX from XXXX XXXX XXXX  XXXX, showing that I paid {$2800.00} in interest through wage garnishment. I notice that it references " c/o Navient Post Claim Assistance. '' So Navient is now servicing my loan. 

I don't understand how two different companies can contact me, claiming they are hired by XXXX to collect a debt that is NOT in default.
XX/XX/XXXX : I acquired a mortgage through Wells Fargo, and bought my homeXX/XX/XXXX : I lost my full-time job where I made $ XXXX/year at no fault of my own ( budget cuts ) XX/XX/XXXX : I contacted Wells Fargo immediately, who put my mortgage on forbearance due to financial hardship. Home Preservation Specialist in XXXX XXXX Iowa, said on recorded phone conversation that at the end of my forbearance, we could modify the loan so my missed payments would be put at the back of my loan. Also that there would be other options available if I did not want to do this, like pay the overdue balance in installments over time. It was discussed that having options would not be an issue. 
XX/XX/XXXX : Forbearance extended to XX/XX/XXXX due to me still not having found a full time job XX/XX/XXXX : I found full time employment XX/XX/XXXX : I contacted Wells Fargo Home Preservation to begin the modification options previously discussed. 
XX/XX/XXXX : Wells Fargo responded saying I have no modification options, and to pay the {$35000.00} delinquent mortgage or sell the property. 
I now have until XX/XX/XXXXt to pay delinquent money. Wells has now not given me any options to retain my home, and gives me 3 weeks to come up with the delinquent balance. How is this fair? If Wells wants to keep their mortgage portfolio in good standing why would n't they work with me? I 'm employed and ready to start paying.
I operate a small business and used PayPal for invoicing and payment collection from my customers. About six months after I provided a service to one of my known customers, she was reviewing her credit card statement and did not immediately recognize the name of my company as it appears on a credit card charge. She contacted her credit card and reported an unauthorized transaction. Paypal notified me about the challenge. I answered the query that I did provide the service. I then contacted my client and she was aghast and called her credit card company, XXXX, and withdrew her complaint. About six weeks later, PayPal sent me an email from XXXX and told me that I had to transfer the amount, {$650.00}, into my account to cover this charge back. 
I recontacted my customer and she provided to me her XXXX XXXX statements that show that she has paid the {$650.00} to PayPal. There was a charge, followed by a credit, followed by a subsequent charge. PayPal has been paid, yet they are making an official effort to collect a debt.
Every day a ZFN and Associates call my previous work number demanding to speak with me regarding a legal matter. They call from a local number XXXX XXXX XXXX even though they are based out of florida. They do not speak with me and disclose info to an employee at my previous employer
I have been working for my company for the past 9 years and none of it shows on my credit cards report. How do I fix this?
Contour Mortgage who is a XXXX approved lender has been holding up the loan with minor details. I have extended the purchase twice with the seller and now moving into a third extension, which will now cost me $ XXXXday until the closing. Numerous attempts to rectify any and all problems, but emails and phone calls go unanswered or fall upon deaf ears if a human is reached. I have been jumping through hoops to find out there are more hoops to jump through. I have satisfied all request only to find it was not good enough or they need documents that were already sent. Some documents have been sent 2, 3, and some 4 times. They do not follow the XXXX guidelines.
Debt Collector has placed a charge off onto my credit file and I have made several phone calls and message to this company and this company has not returned any of my phone calls.
American Express sent an offer for a XXXX Card in the mail with free first year and XXXX rewards points if I spend {$1000.00} in first three months. I am a current Green Card account holder and when I called to take them up on the offer, American Express indicated that I would not be eligible for the promotional rewards points. Nowhere is this disclosed in the advertisement. This is an absolutely deceptive practice, particularly considering they mailed me the offer, to my home, which is the address of record on the XXXX Card account I already have.
Equifax mishandled my private information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website. The breach happened in XXXX and Equifax did not notify anyone quickly enough. In addition, they admit that they will not notify everyone which is morally wrong to all affected persons.
Wrote letter on XXXX-XXXX-2017 to Diversified Consultants that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Diversified Consultants to removed incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Diversified Consultants
I recieved a refund from a purchase made on a card that is now closed so i had the merchant senf it to my netspend card noe my account is locked and netspend offers no assistance to me.
I have disputed a chapter XXXX bankruptcy shown on all 3 bureau reports 2-4 times over the past 1-2 years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past 3+ years. Thus my complaint is against XXXX XXXX and Experian for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you
I send a police report report together with other to Eperian requesting account that did not belong to me to delete them and also to update my records as letter stated from the creditos. Also send them copy of drivers license for the verification of my of my identity since I am victim of fraud and they know about it. The police report included everything they are putting on their response. They refused to block eventhough they have copy of my police report and my XXXX creditor.s