WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX , I received an e-mail at my workplace,  XXXX    XXXX   XXXX   XXXX   XXXX   at  XXXX    XXXX   XXXX  , regarding my Student Loan from the Information at  XXXX   XXXX   XXXX .     The e-mail falsely states that  XXXX  is excited to inform employees like me that we  may be eligible for the Public Service Forgiveness Program.  Si nce 1998 I ha ve been paying off a student loan, which has increased twice fold, I was a bit eager to find out how I can apply for such program.     When I called :  XXXX  it directed me to  XXXX  at Doan Solutions.  XXXX  informed me that I would have to reconsolidate my loans for a {$790.00}. fee. I gave her my social security number and my password to give her access to peruse my loan debt at th e National Student Loan Federal Aid we bsite.     She then proceeded to tell me that she would have to charge me {$790.00}. to reconsolidate my loans. I told her that I would have to do a little bit more research before I agree to pay such fee.     I called t he Student Aid Ombu dsman  XXXX  and  XXXX  told me that the process of reconsolidating loans should be free. She then gave me a case number and instructed me to alert the Consumer Financial Protection Bureau.     I am also concerned with identity theft, which I have to alert the Federal Trade Commission.     I hope this issue is resolved and that my colleagues and anyone else are protected from such scam.     Please read the e-mail below : To :  XXXX   XXXX  ; If you are a university employee still burdened with student debt,  XXXX  is excited to inform you about t he Public Service Forgiveness Program.  The program is designed to help eligible personnel eliminate their student debt in ten years, while remaining in their current career. Participating can cut your principal in half, and after ten years, any balance left is forgiven.     We can help you see if you can qualify for a forgiveness program and prepare all the necessary documents to make sure you are eligible. It 's all done with just a phone call.      XXXX  's Get Started :  XXXX  We encourage you to learn more about t he Forgiveness Program ; be cause it 's one of the most effective relief methods for university personnel. Its all done with just a phone call.         Thank you,  XXXX
Threatened with lawyers, screamed at, repeated calls as late XXXX est. yelling and singing loudly in my ear by rep XXXX. Told I dont want to pay my bill. Hung up on when trying to discuss debt. Refusing supervisor or manager. Calls as much as sixteen times a day. Company is XXXX XXXX Illinois and XXXX XXXX. Calls from multiple Tennessee numbers, I have a Tennessee cell phone number. I have told multiple reps to only contact me via US mail only to be told that under my contract with the original lender, XXXX XXXX XXXX XXXX Illinois that US mail isnt an option. Please help me stop these people, they are making my life XXXX.
I have an account with Coinbase, a cryptocurrency exchange company ( www.coinbase.com ). 
I use the account to buy the digital currency Bitcoin. 

On XX/XX/XXXX, my girlfriend deposited XXXX into my Coinbase account, using the XXXX transfer service. 

Unfortunately, since the sending bank account was in my girlfriend 's name and my Coinbase account is in my name, I received an email from Coinbase on XX/XX/XXXX informing me that they are unable to process my request and my transaction had been reversed. I was informed the funds would be returned to the sending bank account within 1-2 business days. 

On XX/XX/XXXX, I followed up with Coinbase support via email because I had still not received the funds. I received an automated reply confirming acknowledgement of this request for support. 

On XX/XX/XXXX I again sent a message to Coinbase support informing them that the funds had still not been returned to my girlfriends bank account. 

On XX/XX/XXXX I received an automated message from Coinbase.

It is now XX/XX/XXXX ( 17 days after my girlfriend transferred XXXX to Coinbase and there is still no sign of the funds being returned and I have had no correspondence from anyone at Coinbase.
BB & T, XXXX XXXX XXXXXXXX, XXXX SC XXXX included as part of my monthly mortgage payments my homeowners insurance premium. B B & T then did not pay my carrier.
On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.
On a recent phone call to XXXX I spoke with a XXXX XXXX concerning possible refinancing of my Wells Fargo Home Mortgage. XXXX mentioned that Wells Fargo had not reported 2 1/2 years of payments to any of the credit agencies ; thus my credit score did not clearly reflect my credit score. I telephoned Wells Fargo on three occasions to discuss the reasons, and I was told XXXX different stories. Due to XXXX in XXXX of 2013, I had to file Bankruptcy Chapter XXXX which was discharged in XXXX 2013. Wells Fargo keeps telling me that my attorney, XXXX XXXX in XXXX XXXX, WV did not file a re-affirmation agreement to not have the Home included in the Bankruptcy. My attorneys office tells me it was up to Wells Fargo Home Mortgage to send the re-affirmation agreement. Thus, this XXXX year old is caught in the middle of this chaotic problem where someone obviously screwed up when my bankruptcy went to Federal Court in XXXX, WV. My attorney requested I pay him {$400.00} to reopen the Bankruptcy. What gives here.
We were working with an attorney to try to remodify our mortgage. The attorney stopped corresponding with us and did not disclose any information to us relating to our property. In the middle of not hearing from the attorney the mortgage company paid the water pollution bill and took over our mortgage.

My Wife and I had to send the mortgage company a letter removing the attorney from our case in order to receive any information about our mortgage.

We would still like to save our home and feel that's it's not fair that our house was stolen from us due attorney negligence/malpractice.

Please help.
We received a recorded call that can only be partially heard because the recording starts before the tone indicated by our answering device for starting a message. However, we did hear them identify themselves as " this is a debt collector ... .etc. '' We are a health services office and do not have any outstanding debts.
Have made numerous attempts to resolve the issue of unauthorized inquiries reporting on my credit report. I have previously made a complaint via certified mail and with the BBB. Transunion refuses to resolve this issue and continuously give me the same response after I repeatedly tell them that the creditors are referring me back to Transunion to get these unauthorized inquiries removed since the creditors do n't show me ever applying for credit as I do n't have any open accounts with them. As a consumer, this is very frustrating because Transunion is giving me the run around and I have already been able to resolve this issue with XXXX and XXXX.
Sent out several letters explaining that the information they had regarding accounts were not mine. I asked for the original signed documents to prove that the accounts belonged to me. The credit bureaus keep reporting the information as mine. 
sent letters XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. I even sent letters using certified mail.
This is letter that I wrote to the XXXX Regions Mortgage ... 
I THINK YOUR LITTLE SURVEY IS BOGUS, BECAUSE IT ASK ONLY QUESTIONS THAT MAY YIELD FAVORABLE RESPONSES. 
Right off the bat I did not find a response that would adequately answer to my experience with my modification or the service I got from my lender. It was HORRIBLE is the best way I can put it until the last minute when I was about to go into foreclosure they felt obligated to give me options after numerous repeated request for such avenues. Even then, I was pigeon hold into one and was told I did not qualify for anything else. If they had been forth coming earlier in my demise even with this option, my situation would not have become so desperate. Instead they string me along, sending people to my house each time charging me a fee for the visit, claiming they are seeing if anyone lives at the house, despite the fact I was calling them at least XXXX per week, all this on top of the late charges and fees they added. I depleted my savings as a result trying not to be homeless and on top of that, all because I was assigned a person I could never get on the phone ; but was told any associate could help me and when I spoke to any associate, I was told decisions had to be made by my delegated representative. For months this continued until it became a foreclosure situation. 
I will raise my children to find ways to never use banks or get mortgages ; I see your survey as an extension of that fraud of the modification process. I was told that my mortgage would be reduced. After signing the modification which I had no bargaining input towards I was rushed to sign the deal. Before I could get the new modification amount they stipulated, it went back up to the amount I could not pay and their reasoning for this was escrow shortage, which essentially put me back into the predicament I was in, in the first place. If that is n't fraudulent I do not know what is ; this modification, like your survey was just an exercise to scam the US Government into thinking that your are complying with their demands at the expense of poor, vulnerable and powerless people. 
Shame on you, but we reap what we sow do n't we. How long do you think people will put up with your financial tyranny, enjoy it while it last because what you are essential doing is cultivating a culture of distrust, disgust and anger for such institutions as well as training us how to exist and find ways around doing business with you. The Banks and XXXX have very poor customer service, your product does not help anyone but yourselves and is the equivalent of a " XXXX card game '' where the pawn never wins. Your business model seem to be " ride it until the wheels fall off '' and is void of any sustainability measures. Please let his be the last BOGUS survey you annoy me with, I have been bamboozled long enough by you, at this point it is just plain torture. 
-They followed up with free financial counseling with a warning that information gathered would be used to collect any/all debt.
XXXX illegally charged me overage charges even though I never went over the limit. I disputed it with XXXX at the time but later they sold or gave it to Pinnacle XXXX.
This company contacted relatives that I did not give their information to. I asked them how did they get that information, they would never tell me. They have been calling and not leaving a voicemail but continuously calling and saying nothing. The woman on the phone said they do n't make the calls but it is automated and they continuously call regardless of time of day.
Equifax refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX, OH " The US Bankruptcy Court does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the US Bankruptcy Court ) to get required verification and validation. I have again attached the letter FROM the US Bankruptcy Court showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter.
Was charged a Late charge that was not my fault. Tried to make payment online, would not take my payment. Tried to call that day. Had to wait 45 min hung up. tried to call next day, die day, compnt said all agents were busy call back later. Called day and was late. Not Fair. I tried for two days to get them there money.
I signed into a one year contract with a security system company because I knew I was moving in a year. I specifically told the salesman that. He refused to give me a copy of the contract. After a year of having the service and letting the company know that I would be moving and would not be renewing my contract with them they told me that I had signed  a 5 yr  contract. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on   XX/XX/XXXX    . I was contacted  XX/XX/XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.
I HAVE A WESTLAKE FINANCIAL ACCOUNT NUMBER XXXX REPORTING ON MY CREDIT REPROT. I WAS WOUNDERING IF WESTLAKE WOULD REMOVE THIS ACCOUNT IF I DO A SETTLEMENT OFFER.???
Last XXXX I consolidated all my loans with XXXX XXXX. I also changed my checking account because of a fraudulent charge. During the consolidation I the agent asked me about a $ XXXX  monthly payment with Lending Club. I went into my Lending Club online account, I had a previous loan with them that XXXX XXXX paid off, and found no open loans. I believe this charge is 'phantom debt ' and I want it removed from my credit report.
On XX/XX/XXXX, I discovered that the title on my truck still had a lien against it since XX/XX/XXXX. I asked the Texas Department of Motor Vehicles for a number to call. The number they gave me was XXXX XXXX. XXXX told me they had no records or information on my vehicle. They then gave me the number for ALLY FINANCIAL XXXX. I called and spoke to XXXX ( no ID # available ) and explained that I needed a clear title to my car. She said she could mail one that I would receive in 3-5 days. I told her this was unacceptable because I was in financial need and needed my title asap. I requested the information be XXXX to me overnight. She said she would. The next day XX/XX/XXXX, I called to get the tracking number so I could check on the delivery time. I spoke with XXXX ( id # XXXX ) and went through the same explaination. She told me she was going to open a case, apparently there was no record of the call I made on XX/XX/XXXX, the case # is XXXX. She would then need to get approval from her supervisor then the title would be sent to me by XXXX and I would get the information in 24-48 hours. I called again the next day, XX/XX/XXXX, and spoke to XXXX ( id # XXXX ). She was not able to help in any way and I asked to speak to her supervisor, who is XXXX ( id # XXXX ). It was after speaking to XXXX that I found out what the problem was, the Title Department at ALLY FINANCIAL, no longer had the title to my truck. The best that could be done was a I could be sent a release letter that I would then need to take to the Texas Department of Motor Vehicles before I could get a clear title to my truck. She also informed me a release letter had been sent by US mail and I would receive it in 3-5 days. I have already told everyone I have spoken to that 3-5 days is unacceptable since my truck was paid off sometime in XX/XX/XXXX and that the title to my truck should have been clear for the last 14 years. Somebody somewhere made a mistake. XXXX told me she would call me on XX/XX/XXXX to give me the tracking number. I asked what time to expect the call. She then told the office would be open from XXXX EST to XXXX and because of the volume of incoming calls she couldn't give me a time to expect her call. I live in a CST State. So I am still in the same spot I was in 3 days ago. I have no other way to solve my financial difficulties, I am currently unemployed and trying to find a second job so I can take of myself. I wrote this complaint because I feel I have no other recourse. ALLY FINANCIAL must be a very corrupt organization. They are being held responsible for {$80.00} XXXX to be repaid to minorities for charging them higher interest rates on auto loans, in addition to an {$18.00} XXXX  fine. At this moment I don't know what will happen to me or whether or not I will get the information in a timely fashion.
My debts were written off for XXXX debt collection in XXXX. The debts are XXXX XXXX XXXX. They reinserted them without my knowledge and refused to get rid of them after my dispute. They were reinserted through a new collection agency and new dates, as well as the bureaus failed to contact me via written correspondence or email within 5 days of reinsertion XXXX XXXX XXXX, I was never notified but found out via checking my report on XXXX XXXX. ). I want these removed from my XXXX and XXXX reports and removed from my name.
I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote XXXX XXXX XXXX requesting documentation and record dispute while they have the opportunity to respond. I also wrote XXXX XXXX XXXX a second final goodwill attempt request for verification documentation on XX/XX/2018. XXXX XXXX XXXX has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that XXXX XXXX XXXX had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against XXXX XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
My wallet was stolen XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.
Nearly 30 fraudulent transactions were done on my small business   account. I contacted B of A on XX/XX/XXXX. They could not help me over the phone, and stated that I would need to print of Unauthorized Corporate Return Form, and list all fraud transactions, then fax it back to them ( what an inconvenience ). Never the less, I did that the morning of XX/XX/XXXX ( from the B of A branch in XXXX, TX ). I was told the processing time was 48 hours. As of XXXX XXXX CST on XX/XX/XXXX, my accounts are still frozen, deposits or pending, I can not make payroll, I can not pay vendors, amongst other things. As you can imagine, this is very very problematic for a XXXX XXXX XXXX. I need this escalated as soon as possible as this is now costing me customers, putting my credit at risk, and putting my contractors in a position not to work since they can't cash their check. PLEASE HELP!!!!
I am selling my house, set to close on XXXX XXXX. I have an insurance claim out due to hail damage and am getting a new roof and gutter, which needs to be complete before the house closes. The contractor and I followed all the mortgager rules to the " T '' to get the insurance check to them including a pre paid envelope to ensure the check to the contractor and I gets back to us in 5 days. We were ensured everyday that is would be mailed to us on XXXX/XXXX/15. That did n't happen, we have called everyday since and someone says it 's going out today you 'll have it tomorrow to we ca n't use the envelope you sent we have to use a different one. They say fed ex has it and I talked to fed ex and they do not have it, they said they have not been called to pick it up. I called and talked to a manager, XXXX, today and he assured me that he or someone would walk to the mail room make sure it is really there and going to be picked up today and they would call me back. Three hours later, I finally received a call from XXXX and she said she took it there yesterday herself before time for XXXX to pick it up, so she does n't know what else she can do. She said she ca n't make it to the mail room to check before they close. So right now, we do n't know where the money is, if it is coming, and if not can I still sell my house while the monies are out there somewhere? I have always paid my mortgage on time, and I feel that right now Flagstar Bank could n't care less about a customer.