WillisBack/dataset-financial-user-claim huggingface dataset:
I had received XXXX XXXX in XXXX of XXXX that was given to me on Coinbase as part of a XXXX XXXX class. 

In XXXX XXXX XXXX the money was taken from my account. 

Original Wallet XXXX XXXX  XXXX I recently made an inquiry with coinbase and they deleted my history. 

It ended up in this address which seems to be related - XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX
XXXX XXXX XXXX : XXXX Envoy Mortgage. & XXXX XXXX XXXX XXXX ID : XXXX In the process of buying my first house I was treated very poorly by both of these gentlemen. They were unethical, untruthful, harmful to my credit, and most of all did serious irreparable damage to my life. They did not at any point follow any XXXX rules or send any disclosures. They lied and said I was approved when I was apparently was not. They lied and said they worked together when they did not. They ran an incredibly excessive XXXX hard inquiries all on different days. XXXX handed me off to XXXX without my consent under the pretext that they were " co-workers '' and although XXXX had me approved XXXX had an approval that was less labor intensive. Once working with XXXX I provided him with all the required documents that were asked for and he had given my real estate agent an okay to close. 3 days before closing he sent out an email saying he could not follow through on his commitment. This is after both the seller and myself had already arranged moving, movers, and arranged contracts for living arrangements ( me moving out them moving in somewhere ). The biggest problem was the constant lies. I have kept all correspondence from them which was done entirely via email. I was never sent a single disclosure from either one of them. Although I was told I was approved and then later told not approved I never received anything in writing from either of them. Not a single disclosure of any form. The only document I received was a breakdown of the rate and terms of my approval that was much higher than what I quoted verbally in every way shape and form. The rate and fees were not even close to what I was quoted originally. The XXXX hard inquiries and pass off between brokers without my consent left my credit score vastly lower then it was when I started. I think this was done to reduce my score enough so they could justify charging me higher rates & fee 's. I ended up finding a lender on my own who was able to provide me with financing but the rate & fees were higher due to my drop in fico score specifically due to the excessive hard inquiries made by XXXX & XXXX. I have XXXX witnesses ( XXXX realtors, XXXX different mortgage broker, XXXX senior loan originator ) who were all involved in the process who not only can be reached to corroborate everything I have told you but suggested I report this. This did serious damage to me financially in many different ways. After being told your clear to close then 3 days before closing getting an email to even a phone call telling me it 's not possible led to XXXX, XXXX, and a scramble to find living arrangements. I also had to make a {$1000.00} concession on my original offer to sellers just to keep the deal together so the new lender could have time to actually put together the mortgage which was more expensive specifically due to the excessive inquiries made by XXXX XXXX XXXX.
This alleged debt was originally with XXXX. XXXX was unable to validate the debt and the alleged original creditor ( XXXX XXXX XXXX XXXX ) was also unable to prove this alleged debt belonged to me. The debt was REMOVED from my credit reports. This alleged debt is now with Capio Partners and is now being reported on my credit reports. I would like this debt removed from my credit reports immediately. 

This debt does not belong to me.XXXX XXXX was unsuccessful in proving the debt was mine when working with XXXX collection agency and resulted to selling the debt and/or using another collection agency to attempt to collect on a debt that has not been proven to be my debt. 

This is an inaccurate and illegal reporting and I want this account removed from my credit files.
My social security number is showing my sons social security number as my own I have tried 6 times to resolve this mixed up issue with all credit reporting agencies, I have Faxed, called and paper mailed copies of my accurate personal info. to mixed department disputes with a bold heading " Update Personal Information '' Equifax, XXXX ; XXXX. Without any corrections being made in spite of my ss card copy my pa license copy and my 2016 XXXX copy. The only response I was sent was another request to verify my personal info. asking for the same Id verification items. This is frustrating, as my son is only XXXX and is just starting out fresh with his credit building. I am just insisting my correct ss number is changed to my correct number! Please help! 
Thank you for your time and concerns regarding my problem XXXX XXXX XXXX
The person from the agency has a XXXX. It is impossible to understand her. I asked to speak with someone else and she refused. She was hateful and abusive. Told me I had to pay money I did not owe and her outrageous collection fee. Very unprofessional and demeaning.
I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called XXXX XXXX XXXX. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and XXXX  XXXX XXXX   there contact number is XXXX
I purchased a vehicle with my husband in XX/XX/2012 from XXXX XXXX XXXX/XXXX XXXX. At the time it was purchased it spent 2 of the 3 months in their shop due to issues with it. When I finally had enough I was told to surrender the car and that I would not be responsible for the remainder of the debt. I begin driving to the location to surrender the vehicle and the transmission went out. I told them such. they sent a tow truck who I lead to the car and surrender it to them. I heard nothing else. XXXX XXXX XXXX has gone out of business and the owner has reopened under a new name. I heard nothing further regarding the vehicle per our agreement until this time when the owner changed his name and presumably sent a bunch of old debts to collection. Suddenly I have Knight adjustment Bureau sitting on my credit report for a car that was # 1 a lemon, and # 2 the contract was fulfilled on. I have reached out to them via their website, their phone number, the XXXX, and disputed with every credit bureau to this I have received no response. I would just like it removed from my credit report as it is not a valid debt.
Debt last reported on credit report on XX/XX/XXXX. 

I have disputed debt of {$440.00} from Choice Recovery Incorporation in the past ( XX/XX/XXXX). No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with. 

Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge. 

Furthermore, I called Choice Recovery Inc. in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX   and they were unable to provide a phone number and state that debt was sold to Choice Recovery Inc. and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.
Over the course of the past year, I have received numerous calls from ERC ( a debt collection agency ) about an unpaid XXXX phone bill in the amount of {$480.00}. This debt was incurred by someone living in a different area of XXXX, Fl. Inspite of my denial of being the responsible party, my stating my address ( at which I have lived for the past 30 yrs ), and providing the last 4 digits of my SSN, they persisted in calling. AT NO TIME did I receive any written notice of debt. While checking my credit score I noticed that my XXXX credit score had dramatically fallen. Upon further investigation, I discovered that ERC had filed a collection notice with XXXX. 
I disputed this action with XXXX and the XXXX ( XXXX ). XXXX backed ERC. The XXXX investigated and found in my favor. ERC sent a letter to the XXXX basically saying oops its not our fault. To this date I have not heard a peep from ERC
I reported my card missing to the bank by phone and by mail. I also gave them the fraudulent individual charges that were made. They said they would investigate. They sent me a new card. I received a letter telling me that since I was present the charges were valid. I of course was not present and no-one authorized made the charges. I sent the bank a letter requesting all the documentation they relied upon to determine their conclusion, specifically the signed receipts with my containing my signature. To date they have not produced the request, they continue to bill me for the fraudulent charges, and are reporting negative information to the credit bureaus. The amount involved totals {$4600.00}. My account number ends in XXXX. My request for information was made to them pursuant to the provisions contained in the Federal Fair Credit Billing Act.
Just recently, I am receiving several items of mail from BBVA COMPASS BANK. These pieces of mail are1 ) Notice of Insufficient funds of {$600.00} in Account XXXX ) Notice of Load Advance of {$230.00} in Account XXXX ) Notice of New Loan Balance of {$2000.00} in Account XXXX ) Notice of checking account balance of $ XXXX in Account XXXX ) Notice of Amount of Deficiency of {$250.00} ) Issuance of XXXX XXXX Cards, which I have destroyed. 

My issue is that until now, I never heard of BBVA COMPASS BANK and have never have done any business with them. My concern is that his could be a case of attempted identity theft. I have made several attempts to contact BBVA by phone, ( no local BBVA Banks near my residence ), and can not get any answers to why this is happening. Every phone call ends in a dead end. Any help you could give me would be much appreciated.
This collections office has contacted me numerous times by phone after being told not to. This included XXXX separate instances where the office called my house literally less than a minute after I instructed them not to call back, the most recent on XXXX XXXX, XXXX at XXXX and XXXX The other instance was during XXXX and I do not have the exact date as my home phone only stores a finite number of incoming calls. 

The calls were more frequent and persistent last year, until I sent the letter on XXXX XXXX, XXXX explaining that the contract was null and void. The collector stopped calling for a few months and made no response contesting my statements about the validity of the contract and reasons for making those statements. 

Now they have called me several times in the past month, including the XXXX calls less than a minute apart, and are threatening legal action on an invalid debt. This has to stop and these people have to be shown that what they are doing is wrong and tortuous.
XXXX states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased
I missed one payment on my American Express card because I never received the bill for XX/XX/XXXX. American Express increased the interest charge on my account to 29.5 % Charging me {$440.00} interest. Could not resolve with AE customer servce.
XXXXXXXX XXXX  denial for a new car purchase due to XXXX XXXX XXXX credit report of XXXX. 
I know for a fact that my credit report thru other reporting companies is above the 800 score. I have not contacted this company due to all the negative reports on this company, on different internet sites and I do not want to risk giving them any information about me.
I have a Discover card, I have a balance of {$4000.00}. I pay my monthly bill on time pay more than the minimal amount. 
Everytime I pay extra money Discover find away to take the money back. I pay over {$100.00} a month and Discover takes it all back in interests. Discover gave me a credit of {$30.00} and found away of taken that back too. 
I have tried to work with them but its not working they trying to fleece me ... I can't get ahead if they keep charging me over {$70.00} dollars in interest. 
I could have paid the balance way down if they STOP making up interest charges. I don't even used the card is the disturbing point. 
I acknowledge I owe them but I don't feel I can get a head in paying off this account if the keep. 
taken the money back as I pay off the balance. I need help with this major issue!
Requested the removal of tax liens that are currently reporting on credit report. New law states that tax liens are not reported and will be deleted from credit report. Requested the removal to credit bureau several times and request was not honored.
I don't really know what section my issue goes under. I attended XXXX XXXX university online in XXXX into some of XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.
When I would view my credit card statement online, it would show that if I paid a certain amount how much the credit would cost me and how long it would take me to pay it off. 

I am an online statement customer. 

I logged into my Discover credit card on XX/XX/XXXX and looked at my statement to find that information and it was no longer there. It used to show that information. 

From research, I found that there was a law initiated in XX/XX/XXXX, that this information is suppose to be available to consumers.

I was looking for this information as I was thinking about taking out a loan at a lower rate than the Discover card and without that information, I am unable to move forward. 

The first agent I initiated chat with online stated that it is on the paper statement. Again, I get my statement electronically and again, it used to be available until they updated their website. The site is user friendly and pretty, but if it doesn't have the information I need ; what good is it? 

Please advise if this law is still in effect and if it is ; how do I make Discover accountable. 

Thank you for your help.
Hello, Well, to be quite honest. This isn't the first false debt collection claim. I'd like to report to you this is a false claim I just noticed recently on my XXXX XXXX profile. I have never dealt with XXXX XXXX my entire life. And I have been outside the US since early XX/XX/XXXX. I've noticed why such false collections been happening lately ; which is due to matching name ( sometimes exactly the same first and last name ; XXXX  is a very popular last name ; XXXX XXXX  ). I personally have friends who have the same name and also one I was a roommate back in XX/XX/XXXX-XX/XX/XXXX ( But his first name is XXXX ) I'd like Caine & Weiner Company to take the time to double check this issue and, if necessary track full details of this " XXXX XXXX  ''. Please know that I have a unique SSN, and DOB.
Issue with XXXX : Over the last twenty-one ( 21 ) months, Ive paid XXXX close to {$7000.00} in payments on a {$3100.00} loan. In trying to pay off the loan today ( XX/XX/XXXX ) I was informed that the payoff amount was {$3600.00}, which is approximately {$700.00} more than the original loan amount after paying them monthly payments of {$350.00}. Anyway, I sent them a payment of {$3100.00} today to pay off the principle amount that was barrowed. So Ive now paid XXXX  close to {$10000.00} for a {$3100.00} loan. Which is over 220 % in interest rate fees on a {$3100.00} loan. Which in my opinion is out outrages and is a total miss representation of the product services that was described to me in my dealings with XXXX  when I originally applied for the loan back in XX/XX/XXXX. 

What astonishes me about my dealings with XXXX is that Ive never over the twenty-one ( 21 ) months that Ive been making payments on this loan, that Ive ever received any documentation on this loan, terms of the loan, interest rate being charged and a payout schedule - nothing. Which is interesting, because they state very clearly on their website the following : Clear information on the cost of your borrowing, including any fees and charges, and our terms and conditions, which is not true in my case and Ive asked in previously conversations with their customer service representatives to send me this information. 

Now some people could construed my position on this as Buyers Remorse on my part, however I believe this borders on the definition of Fraud. 

The other thing that is interesting to me is that they have continued to call me today ( seven calls and counting ) since I spoke with them earlier this morning on what I was planning on doing related to this matter. In fact I even mentioned that I couldn't believe or image that they could get away with this type of business practices in this business environment. 

So I look forward to hearing back from you on your opinion on this matter. 

Thanks, XXXX  XXXX
I am writing to request that a debt be removed from my credit report as it 's been seven years since the date of last activity.
I wrote a letter dated XXXX/XXXX/15 requestiong confirmation that if I were to pay/settle a debt that they would delete it permanently from my credit file. I specifically stated " do not contact me by phone '', yet on XXXX/XXXX/15 my father received a phone call at the phone number listed above, which I assume is the only number they have. I no longer live there. The collector not only violated 3rd party disclosure laws by telling my father what she was calling about, but violated my request for no contact by phone.
This company took {$180.00} fom my checking account on XXXX XXXX, 2015 and the full balance of {$880.00} on XXXX XXXX, 2015. They are refusing the refund the {$180.00}.
We inquired about loss mitigation options for our mortgage. We were sent a packet of information/forms to complete. We submitted the required documents on XXXX/XXXX/16. We received a letter requesting add'l docs that were sent on XXXX/XXXX/16. We have not once heard from anyone at Carrington via phone or email. All of our attempts to reach our SPOC listed on a letter received, have not been responded to. We have not received any communication regarding add'l information need nor have we received any communication that a decision had been made.
i have numerous times called and called to this company to remove all inquiries from my account that do not belong to me. they have constantly refused to do so and having all of these inaccurate inquiries on my account is hindering me from getting anything worth having. I literally have XXXX credit inquiries on my report and I 've called and called and called and no one is listening and helping me when i 'm telling them that the information is inaccurate and does n't belong to me. their inconsiderate and reporting inaccurately and i need it to stop, i need results and i need something to happen. i do not have time to go through the stage of pursuing a law suit but that will be my next step if these arent removed immediately. 
the only XXXX i should have on my credit report are : XXXX, XXXX, XXXX
I was initially suppose to get my annual free credit report but when it asked the security questions it stated that in my file i have opened some retail bank cards which i have not opened up please help me.
I received a pre-approved offer from USAA on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX which included a {$200.00} reward bonus after making 12 qualified purchases byXX/XX/XXXX as well as 0 % APR until XX/XX/XXXX. I applied for the card, and after a long and tedious approval process due to errors on their part, I received the card around XXXX. I made the 12 qualified purchases byXX/XX/XXXX, and confirmed as much prior toXX/XX/XXXX. I received an email onXX/XX/XXXX stating the deadline for completing the 12 purchases had been extended toXX/XX/XXXX, all emails from them with this offer stated the {$200.00} cash reward bonus would be credited within 90 days after the end of the promotion. I called in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX inquiring why I had not received the {$200.00} cash rewards bonus. I opened several " tickets '' with them, and was finally told inXX/XX/XXXX that several people who took advantage of the promotion had not received the bonus and that it was a " known issue '' that they were working on and did not know when it would be resolved. I tried calling again inXX/XX/XXXX and got the same response. It is now days away fromXX/XX/XXXX, 9 months since the original promotion ended, and I still have not received the {$200.00} nor do I have any indication when the money will be received. USAA has confirmed repeatedly that I am owed this money and that I upheld my responsibilities in order to be eligible to receive it, and I have supporting written documentation from them to prove that. As such, it feels as though I was misled through false advertising along with several others who have not received this money. I have tried contacting them to no avail, including speaking with their executive resolution team, and feel I have no other choice but to involve CFPB.
As of XXXX 2017, Equifax has not fixed the error that 's on my credit report. I have contacted Equifax and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted Equifax on several occasions to remove this account from my credit file. I disputed this account with Equifax and Equifax has not done anything about it. I even asked Equifax if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. Equifax does not respond or they take well over 30 days to respond if they feel like it. Please have Equifax remove this account from my credit file immediately. I even tried calling Equifax to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.