WillisBack/dataset-financial-user-claim huggingface dataset:
International Wire Transfer Request Date : XX/XX/XXXX Amount  sent:XXXX dollars The TD Bank representative assured me that money will be available within 2 days. TD Bank promised to make it available for use of recipient : XX/XX/XXXX The money is still not available to the recipient till date -- XX/XX/XXXX. I have been continuously following up with TD Bank since past two months on it, I made more than 20 phone calls but nothing worked out. throughout this process they have been providing me misleading information about the status of wire. Initially, I realized that they did not have enough knowledge/experience for working with international wires which is causing the delay. There is a lot to tell but to be precise they told me that on XX/XX/XXXX they have sent the money to the recipient bank and TD has put a confirmation tracer on it no sooner it get credit to the recipient account TD bank will get informed and they will let me know. But even after the lapse of 2 weeks the funds were not credited to the recipient bank. First the branch representative told me same story that they have sent the money to the recipients bank. I asked him to provide me some reference number or document as the recipient 's bank told me that they did n't received anything from you.Upon this the TD bank 's representative told me that they even did n't sent the money to them yet. The wire is still with some sort of intermediary bank called XXXX XXXX. It make me to think that it is a fraud/scam which they are committing with partnership of intermediary bank XXXX XXXX. TD bank stressed me out over the past two months.Several time they lied with me that the money is with the recipient bank. accordingly we checked with the recipient bank upon their denial I contacted back with TD and each time and they told me a different story. Now TD bank 's team have started to almost harass me.Therefore, it looks like that they are deliberately want to just steal my money with partnership of XXXX XXXX. Nothing can be worse that TD bank when it comes to money transfers.
To whom it may concern, On XX/XX/2017 I paid off my credit card for the amount of {$680.00}. At the time the payment was going through my personal checking account was compromised with fraudulent activity. I didnt realize til a couple days had passed so I ended up closing my checking account. So thinking that the credit card was at a {$0.00} balance i was using my credit card for online purchases. Then the payment was returned. But they kept trying to debit my account the same amount. Since the checking account was closed i kept getting charged a {$25.00} return fee. So i ended up having to owe the {$680.00} plus what i had spent on online purchases, a total of {$1300.00}.
I paid XXXX XXXX {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. XXXX was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.
Kohls call me at least XXXX times a day! I have asked them to stop and even informed them that they have closed my account. They were supposed to stop calling me for XXXX days and send me something to do a cease and decease i believe, but that same exact day I was still receiving phone calls that never stopped! It is annoying and im starting to feel like they are harassing me, my voicemail fills up in less then two weeks with numerous messages from them.
On XXXX/XXXX/XXXX, I made a purchase with XXXX for {$1200.00}. this purchase included a 3-night hotel stay and 4 airline tickets for a direct flight from XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX. I paid about {$150.00} more per ticket so that I would have a 50 minute direct flight due to my sisters medical condition. No one ever notified me about the cancelled direct flight. When I arrived to the airport they told me that my flight never existed. ( So I basically paid for an imaginary flight ) Then they told me that they notified me in XXXX. And rudely said sorry and offered me to send me out of state and then back to XXXX XXXX. Mind you I paid for a direct flight that was going to take 50 minutes. I spend hours waiting, and completely ruined my vacation trip and this flight that was supposed to take 50 minutes took 7 hours. I contacted XXXX and XXXX both gave me the run around and lied about the times they supposedly notified me of the cancelation. and rudely told me they could n't help me. I felt completely hopeless and contacted my credit card company since I felt confident they could help me. I have provided them with everything and all proof I have. They have closed my investigation and told me there is nothing they can do and to contact XXXX who never wanted to help me in the first place. I have provided them with all the proof, flight that was booked, new flight tickets that they gave me because they did provide me with a flight, but they never returned the extra money I paid for a direct flight. My argument here is that I paid extra for a direct flight and I did not get a direct flight. I paid extra for a 50 minute flight due to medical conditions and this was not honored. I want the difference I paid for the direct flight. At this point I appreciate any monetary help because {$1200.00} is a lot of money and I incurred medication expense costs because of the anxiety this brought to my sister for flying for 3 hours.
This is in reference to complaint # XXXX that you do not allow the complainant to update information. I just received a collection call on my account that the company stated they would put on hold prohibiting any collection calls. The last person at LoanCare explained that when the IRRRL was processed, my escrow of $ XXXX was merged into the payoff. That is why my monthly payment was too high because my escrow is showing a negative balance, and now I am paying interest on the escrow amount added to the refinanced principal. PLEASE follow up and contact the company to stop the collection calls. In addition, this has been going on for over two months and no contact from the company. I am forced to constantly call them.
My loan was sold to Ditech in XXXX XXXX. At that time my mortgage was paid up one month ahead. I continued to make my payments to Ditech each month despite being one month ahead to carry that cushion but my payment in XX/XX/XXXX was applied all to principle instead of principle, interest, and escrow. As the result, Ditech sent me letters stating I was late yet I paid every month. The continued to charge me late payment fees and sent late to credit bureaus. In addition, I request that my escrow impound account gets cancelled so I can pay my taxes separate ( which I had previous done prior to my refinance in XX/XX/XXXX ) yet, Ditech rejected my request stating " value of property is n't 80 % of the principle balance ''. Apparently, according to Ditech they went off an old XX/XX/XXXX Deed Of Trust ( reflecting value at {$240000.00} ) which is n't correct. I sent Ditech a copy of XXXX XXXX Tax Board XX/XX/XXXX current value of my property {$280000.00} to {$300000.00} they have yet to respond to my second written request. Yet they have increased my mortgage payment {$80.00} citing increase in property increase, which indicates my value has increased. Again, when I purchased my property I did not have my taxes impounded until I refinanced XX/XX/XXXX.
I am a victim of identity theft and noticed a collection from Rent recovery solution. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Rent Recovery Solution in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
This is going back several years when I opened this account. I never knew the effect this has had on my credit until my new employer brought this up to me. I opened up a new checking account several years ago and they issues me a temp debt card. I had been using the card until my new card came in the mail along with my new checks. I noticed that my last name was wrong on my checks and my card. I went into the branch to address this situation with the girl that opened my account. However she was no longer with the branch. I explained to the teller what happened however she wouldn't look into the acct because the name on my license didn't match the checks or card : ( It shows on the credit report that there is a {$610.00} balance. Not sure how this is possible with a debt card. 

I FILED A POLICE REPORT PER MY NEW EMPLOYER The account # that shows on credit is XXXX PLEASE HELP ME
EQUIFAX HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EQUIFAX JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EQUIFAX TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! EQUIFAX SIMPLY CAN NOT DELAY THE PROCESS ANY LONGER. 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.
I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, and XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all three credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Date : XX/XX/2018 ~ Now Amount : about 6k + my ETH & LTC I have tried to withdraw my money from the company, but the company has not allowed me to do that and they are holding my money for a long time. They required me to verify my SSN in their system in order to withdraw my money, but the SSN verification system has not been working. I verified my driver 's license, I have a valid SSN, and I tried all the ways that they recommended me, but the system is still not working so I can not withdraw my money. I'd like to withdraw my money from the company. It does not make sense that I can not have my money back. 

I attached some evidences ( I removed my information ).
On XX/XX/XXXX I notified XXXX, XXXX XXXX and Experian of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.
Niagara capital recovery call this morning refused to identify the nature of call or address of company tell intimate information was given stated that I was not given out my social to them and was immediately told he couldn't disclose information with out verification of who I was. That he only need the last four. So I  gave him it to figure out what the calls were all about he then told me I was being sued and needed to contact the local police station that the carrier will be at my home address or place of business within 48 Hr s I then asked him to verify him and also stated that I was also recording the phone call he then begin  to get hostile and said I don't need to verify myself I told you I'm XXXX XXXX with Niagara capital recovery and that he had all of my information that if he wanted he could get alot more money then  {$150.00} I asked him if that was a threat he laugh I then told him I didn't trust him or his company and that there is so many scammers and scams going on he then said I'm try to help you all we need is a payment arrangement linked to your bank account I said no then he proceeded to scream at me and I hung up.
XX/XX/XXXX, XX/XX/XXXX, Equifax are ALL Falsely reporting a credit card charge off from XXXX XXXX XXXX that is 8 years old. All 3 basing the information on information provided by XXXX XXXX XXXX .... but XXXX XXXX XXXX claims they have no record. XXXX XXXX XXXX claims their records only go back 7 years and they have NO information .XXXX, XXXX , Equifax are Damaging my credit with NO documentation from XXXX XXXX XXXX that would Support a Derogatory credit card report.I have contacted all 3 agencies and all 3 Refuse to provide documentation to support their consumer credit reports
The company which placed negative information on my credit report is Stellar Recovery Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MT XXXX ) which is a collection agency on behalf of XXXX. The original reporting on my credit apparently took place in XXXX 2015 however I have not, previous to phone conversations that I initiated on my own behalf due to seeing the negative input on my credit report, received any type of notice via phone, email, or regular mail of this debt. I have since settled this debt directly with XXXX in full however the negative remains on my credit report. It is my understanding that prior to the input on my credit report that this debt needed to be verified and I be given an opportunity to settle, pay outright or dispute the validity of this debt. I was never afforded this opportunity.
Ocwen has not been helpful when it comes to me making my payments. I make my payments in person at a local office. It takes a long time for them to process payments and they hold me accountable for paying late fees I should not be paying. I met with a Housing Counselor who has assisted me in my attempts to bring my account current. Last time we spoke with Ocwen they provided the amount due to bring the account current. We sent in that exact amount split into different checks because I had gotten assistance from different sources. They sent one back stating it was not the full amount due, well neither was the other half they accepted. Their customer service will just read the notes to you, and not look or even try in anyway to assist. This has been taking so many hours and I am still not able to resolve the issue yet. It all started on XXXX/XXXX/2015. They sent my payment XXXX years ago they claim, I have not gotten anything back yet. They told me to just re-send it, I see this so pointless. They have added a late fee once again, they should be responsible for not processing the payment correctly, and somehow it ends up being my fault. They have not even offered any type of assistance to me. I have XXXX, and have been having XXXX. When I reached out to them, and explained my hardship they simply said ... .. " This is the amount that is due on your account, do you think you can pay today? ". When Ocwen says, " Helping customers is what we do '' I feel like its a straight lie! Even if they do n't help me, can they just simply do their job right?
I am a victim of identity fraud and someone stole my identity and tried to open accounts using my name resulting in multiple inquire on my credit report I want them removed. 







XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automotive XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX   XXXX, IL XXXX ( XXXX ) XXXX
I recently signed a Modification Agreement with my lender in XXXX 2016 ( see attached ). I then paid the three month modication term for XXXX, XXXX and XXXX, 2016. They stated if after I made all trial period payments, they would review my status to see if I was accepted for the Final Agreement modification. I did indeed complete the trial period and they sent me the Final Agreement stating I was approved. When I did received the Final Agreement for signature, I was then and only then informed that there would be a $ XXXX balloon payment. This was a shock to me as I was not informed of this before I signed the Modication Trial paperwork. I have not yet signed the Agreement as I am worried that this may not be in my best interest and am unsure of where to go from here. I have not made any payments on my house since XXXX as I am also unsure if this money will get applied correctly because I have not yet submitted my Final Agreement. Also, I have asked my lender for a breakdown of how they came up with the $ XXXX balloon amount and have not yet received anything in writing.
I was told this a pre trail intervention to call and avoid charges being filed for wire fraud and check fraud and a warrant will be filed for my arrest his name is XXXX XXXX phone # XXXX
Early last week on XX/XX/XXXX I received a summons for a law suit that has been filed against me. I called the number on the summons and it stated that I owed a debt from XXXX, in the amount of XXXX. I reached out to the number on the letter and advised them that I have not received any information on this " alleged debt ''. I am responding to this law suit as sufficient information has not been provided as I have requested. 

On XX/XX/XXXX I sent an email to XXXX XXXX XXXX XXXX about this debt asking for verification and validation and prescribed by law because as I stated before I have not received any. 

In addition to this I see an additional entry on my credit file for this same debt. 

This is a clear violation of FDCPA and the Frank Dobbs act in addition to the UCC. 

This is not only " reaging '' of old debt, but this is also a violation of communication because I have not received any mail to such claim. 

Section 1036 of the Frank Dodd act of 2011 prohibits covered persons and service providers from engaging in unfair deceptive or abusive acts or practices. This act also prohibits abusive practices. This is a an abusive business practice and deceptive. The state attorney general can also sue your company for unfair and deceptive practices. 

Deceptive practices are defined as a representation omission or a practice that is likely to mislead a consumer acting reasonably under the circumstances. 



Legal and unfair practice is any or all practices that causes or is likely to cause injury to consumers where the injury can not be avoided by the consumer. This is unauthorized billing that caused substantial injury. 



To measure unfairness, An legal assessment of an Unfairness test requires weighing cost and benefits of business practice. This particular practice resulted in substantial injury to my person. The cost outweighs the benefit and that is what legally makes this practice unfair. I do not have any legally binding contract with. Therefore your inaccurate and invalid entry on my credit is considered material to my decision making in terms of all credit related purchases I am being penalized twice for a debt that is not only unverified but also is not valid. 

Once again this is against the law. 

I demand that XXXX XXXX XXXX XXXX remove this erroneous, inaccurate, unverified information from my credit file. 

I am handling the law suit separately and I plan on pursing that issue and seeking all damages under the FDCPA as I can get and will also publish this information where appropriate. 

Please see attached that has already been sent further asking for verification, which to this date has been unanswered. 


Sincerely, XXXX XXXX Without Prejudice UCC 1-207/1-308
There is a account in collection on my Experian Credit report that is incomplete information and can not be verified and it still remains on my credit file. I have provided documents of the account and what missing and inaccurate information is on my file. I have also provided a letterhead document from the original furnisher of the account stating what I am disputing. This account must be deleted from my credit file immediately.
I was denied a security clearance because DOD found a delinquent account in an estimated amount of XXXX, creditor by XXXX XXXX on my credit report that am unaware of. I contact XXXX by disputing the account. XXXX came back stating when they contacted the creditor which is XXXX XXXX, stating account belongs to me and that theres no error. XXXX gave me XXXX XXXX phone number they have on file but when i called its not going through. I googled them and I got their number and the representative I spoke to told me is a private loan i took when i was attending XXXX XXXX XXXX around XX/XX/XXXX. XXXX XXXX offered my a settlement amount of {$8200.00} if i want to have it cleared of my report or I have to pay the past due amount on the account which is in an amount of {$10000.00}.
I noticed atm withdrawals from a non citibank atm that were not authorized by me and was brought to my attention when I was overlooking my bank account statements. I called to report the discrepancies to which I was provided with an adjusted credit. The unauthorized withdrawals occurred on  XXXX   XXXX   ( {$200.00} ),   XXXX   XXXX   ( {$24.00} ),   XXXX   XXXX   ( {$64.00} ) ( {$100.00} ) and totaled {$390.00}. All of that credit has been reversed and my account is now overdrawn and has been  blocked with added charges including {$20.00} for the non usage of a citi bank ATM.I am very disappointed with my short lived experience at this institution and was looking forward to banking here. I will make sure to advise to stay away from this bank.