WillisBack/dataset-financial-user-claim huggingface dataset:
Coast To Coast Financial Opened XX/XX/2018 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious Coast To Coast Financial Opened XX/XX/2018 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, FL XXXX
On XX/XX/XXXX I attempted to make an online purchase and my card was declined. I new I had enough money to cover the purchase so I logged into my account to see what my balance was and noticed that I had no money available. I began reviewing my transactions and immediately new that some of the transactions were not made by me. I never lost my card or had it stolen, I still have possession of my card and no body knows my PIN but me. I immediately tried calling the card company but the offices were closed so I disputed these transactions online. On XX/XX/XXXX I called the card company to follow up on the dispute I filed online. I was asked to send a letter via email listing the transactions, merchant name and amounts. I informed them that I still had my card and they stated that my card would be canceled because my card could have been copied at a gas pump, and a new one would be mailed to me. On XX/XX/XXXX I received a letter informing me that a final determination had been made and no credit would be credited to my account. I contacted the Company again and emailed them informing them that the reason they provided was not possible.
I called the card company requesting documents they used to determine the final outcome. on XX/XX/XXXX I received the documents requests along with a letter stating that the activity indicates a consistent pattern of use related to the reported transactions. The transactions being disputed are consistent with my previous account activity, such as the merchants shopped and their physical location and that I had benefited from these transactions. I contacted the company to inform them that there reasons were in fact false. The XXXX transaction of {$60.00} was from a XXXX I 've never used before and I could n't pump {$60.00} worth of gas in my car. XXXX XXXX for {$66.00} I 've also never used this store in my life. XXXX XXXX for {$42.00} and {$11.00} I have never used this store ever. How can these be consistent with previous activity in my account if I have never even set foot in these stores in my entire life? The XXXX, XXXX XXXX XXXX, XXXX, and XXXX transactions are absolutely not my purchases but because I 've shopped at these stores before means these are my authorized transactions? Who has not made a purchase at a XXXX or ate a XXXX 's XXXX? While these fraudulent transactions were being made I never lost possession of my card. I continued using my card without any knowledge of these fraudulent transactions up until my card was declined. My transactions show my purchases I know I made and the fraud one mixed in with my purchases. All the fraudulent transactions were used without my PIN. It has now been over two months and I am still out {$590.00}. If I could get the time the these purchases were made to compare with my purchases we could help prove these are not my purchases nor did I authorize them. My PIN was never used and I am curious if an actual credit card was presented or was my card number manually entered.
There was an unauthorised transaction of {$2000.00} with a merchant ( XXXX XXXX XXXX in XXXX ) on XX/XX/XXXX. I disputed this transaction with my US credit card company. The dispute was resolved against me in XX/XX/XXXX and I made the payment. My credit card company resolved the transaction as valid. 

I approached the merchant recently in XX/XX/XXXX and learned that the merchant does not have my payment. The merchant bank made a permanent debit to the merchant due to insufficient documentation, this means they resolved the transaction as invalid. The merchant bank opened an investigation and confirmed that they credited the card holder account ( my account ) on XX/XX/XXXX.

I shared the above information with my US credit card company in XX/XX/XXXX. They sent a letter on XX/XX/XXXX which says - " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account. This will be our final letter regarding this dispute ''. 

Summary : -- -- -- -- -- -- - 1 ) The transaction happened on XX/XX/XXXX for {$2000.00} 2 ) I disputed the transaction in a week but it was resolved against me in XX/XX/XXXX and I made the payment.

3 ) Approached the merchant in XX/XX/XXXX and found that they do not have my payment because the merchant bank resolved the transaction as invalid due to insufficient documentation. 
4 ) Approached the merchant bank in XX/XX/XXXX. The merchant bank opened an investigation and confirmed that they credited the card holder account on XX/XX/XXXX.

5 ) Approached my credit card company and shared the above information. Their letter dated XX/XX/XXXX says " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account. This will be our final letter regarding this dispute ''. 
6 ) The merchant does not have my payment. The merchant bank says they credited my account on XX/XX/XXXX. My credit company says they did not get the credit. Who is having the money for the payment I made? My credit company can not close the investigation without addressing this.

I already opened a complaint ( XXXX ) but this is additional information to that complaint.
XXXX XXXX with Chaplain Financial Services claimed I owe money to XXXX from a loan in 2012. I have never heard of this company or this debt. This company is threatening to garnish my wages and said they 've invalidated my Texas Drivers License privileges. Last week is the first time I 've been contacted by this company. They 're unable/unwilling to provide additional details on this supposed debt.
I had a secured credit card through Orchard Bank, XXXX $ deposit, XXXX $ credit limit. Orchard apparently sold their accounts to Capital One a couple years ago and I have been paying them since and have paid them off now. I called to ask about my deposit and they said that they have no record of my card ever having been secured and have no record of my deposit. On line, I see that there are many others that this has happened to as well. I would appreciate receiving my XXXX $ back.
I have notified Equifax back in XXXX of 2016 and even sent them a certified letter, which they received and signed for through the USPS, notifying them that the inquires that were listed on my credit file with their company was never authorized by myself, and that I wanted them removed immediately, if they were unable to justify that I gave these companies permission to pull my credit report with a document baring my signature. Equifax has failed to provided me such valid proof baring my signature that I authorized these companies to pull my credit report, and Equifax has also broken the FDCRA federal laws for reporting such fraud information on my credit profile. I have allowed them nearly three month to rectify this situation and they have refused to correct it. I have also notified each agency/company listed on the letter that I sent them and the companies have also failed to send me the information that I requested. This information is false and was not authorized by me and it 's affecting my credit rating and I want all of the inquires removed from my credit file associated with my social security number immediately!!!! I am trusting that your government organization will enforce the laws that protect us consumers!!!!
I receive 6-8 calls a day from different area codes but the same collector to get around the harrasment statutes.
Have been an account holder of Wells Fargo bank for over twenty years. My investment portfolio has a XXXX XXXX XXXX checking feature. Have only attempted to use is recently and encountered issues. Was assured that the problem would be investigated. XXXX XXXX, a Wells Fargo officer was assigned to the case identified by case number XXXX. Weeks have passed and there has not been a single finding in this so called investigation. 

I have, however, discovered that for each check presented a penalty was affixed to my account. As of this writing, there has been no information revealed to me about the investigation. If there was a problem with the check the bank should simply reject the check. If this is not a predatory banking practice then I would want the bank to detail how it is not. Additionally, if proven, what would be the penalty for a series of predatory practices.
This company is reporting on my reports for medical that was deleted in 2012- At the time then there was no validation of debt and they resold the account to another company to try again and that was also deleted. Now here we are for a 3rd time.
I was charged for XXXX Return Deposit Item ( RDI ) fees of {$10.00} each totaling {$30.00} with Everbank ( acct # XXXX XXXX. I spoke with the bank in regards to the situation. They admitted it was their fault and I would be reimbursed for the {$30.00}. This did not occur ; the account was closed XX/XX/2016. I have attempted to call them several times and was told I would receive a call back from someone the next day after I had called. This never occurred after several calls made. If the RDI 's had truly been my error then I would gladly swallow the {$30.00} but they were not. The error occurred due to misinformation given to me by the financial institution.
I have contacted Midland Funding LLC in regards to an account listed on my credit report that I do not recognize. They are reporting to the  XXXX  major credit bureaus on behalf of  XXXX  Bank. I have asked Midland to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with  XXXX  Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent o nly 1 letter s aying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP.
Got a call, was very unaware of unpaid debt I used fincial aid to pay for the apartment. Never received any mail or email about paying the debt our phone calls and voicemails. When explaining my situation and saying I was willing to pay the amount was doubled what is shown. I tried to ask for lower payments because I was in school the representaitive I had would not work with me asked to speak with her supervisor she said she was and I asked to speak with the supervisor above her she refused. Asked for account number to pay debt online she refused made me very nervous that she was n't who she said she was and somehad stolen my information.
PER MY CREDIT REPORT IT IS SHOWING THAT I HAVE BEEN ATTACHED A BANKRUPTCY THAT IS NOT MINE AND NO EVIDENCE HAS BEEN PROVIDED TO ME. ALSO I HAVE REQUESTED INQUIRIES TO BE REMOVED THAT ARE FRAUDULENTLY PLACED ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE. 
I sent a LEGAL Notarized affidavit to EXPERIAN, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For EXPERIAN, to Provide physical verification of the original signed consumer contract. I demanded from EXPERIAN to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Hello, For the past 6 months I was in contact with Bank Of America and was asking them to extend my loan modification for another 5 years due to the fact that I was diagnosed with XXXX in XXXX XXXX. I explained to them because of my XXXX, and the XXXX and XXXX which I went through, and XXXX XXXX which I had in XXXX, I am not able to put the same hours and work as same as I did before. The Bank of America in the beginning supported me, and actually for 6 months they played with me mentally, and yesterday they send me a letter that I will not be qualified for another loan modifcation, and they are suggesting to do short sale. Even during the period of my XXXX treatment, I borrowed money to pay the mortgae and tried my best to be a good citizen and not be a late late on my mortgage. Now on the letter that they sent me on XXXX/XXXX/XXXX, they are telling me that I dont have any hardship, because for the past 5 years I paid my mortgage on time. I am an XXXX, physically my body ca n't tollerate to work XXXX hours a day to make at least {$700.00} a week, and Bank Of America does not understand that which I only asked them to extend my loan Modification which will ends on XXXX XXXX, XXXX, till I figure out what my situation will be financially and physically. For 6 months, over and over again they asked me to fax, mail them my documents, which I did. Several times they lied that they did not receive my documents, even though I sent them with self XXXX envelope. They assigned XXXX different Customer Relationship Managers over the past 6 months on my case, just to waste my time and to kill time in order for me to explain my case over and over again to new representative, and started everything again. I even several times complained to Bank Of America Heaquarter, but no mercy. I did send them whatever they asked me to do, but at the end they denied everything and telling me do short sale. The Bank Of America got money from the government to help me and people like me in the situation like this, I am shocked that why they are not willing to re-modified my loan for another 5 years, till I know where I am standing with my XXXX. I am not sure if My XXXX is coming back or not?, physically I am very week and do n't want to lose my home and do short sale as they suggested.
Experian is ignoring my numerous requests to investigate and remove two accounts from my credit report that do not belong to me.
Wells Fargo issued a Personal Line of Credit years ago and subsequently violated federal banking laws, mortgage laws and and foreclosure laws. They have been identified as having opened accounts without customer awareness or permission, and have knowingly violated federal banking laws. 

This makes them a business that violates the AML and Patriot Act and as a result, I refuse to make any payments to them. I am in a business where such transactions are prohibited, and it is through their own fault that they are now an organization in violation of AML/Money Laundering and the USA Patriot Act. 

The account number is XXXX. 

They are claiming that an amount is owed of {$3800.00}. They have offered to accept a settlement of {$1500.00}, but that would damage my credit rating, which has already been damaged from illegal actions taken by financial institutions. That would also require me to pay taxes on the amount forgiven. 

I am seeking a total elimination of the debt PLUS an amount equal to the tax liability PLUS the damages for the damaged credit score that I have incurred from this criminal financial institution that has violated state and federal laws. 

I am seeking a full release from the {$3800.00} amount for the account PLUS {$1000.00} for tax liability PLUS {$500000.00} for damages and the higher cost of credit that I need to pay as a result of their criminal activity which forces me to either violate the AML/Patriot Act and make payments to a criminal financial institution or have a damaged credit score.
I was called by a customer service representative on XX/XX/2018 regarding one of my credit card accounts through Barclay Bank, and was told that someone had requested a new card be sent to me at an address that is different than my current mailing address. This representative had information at the time regarding current and pending transactions that are unusual on my account, and did not notify me of those charges, and neither did this person make any attempt to transfer me to the company ; 's fraud department and a representative there despite several actions of unauthorized activity. I called them back on XX/XX/2018 and also logged into my account online to find several discrepancies. This has happened in the past with this company despite me changing my username and password several times, and setting up additional security features through their login process. I also asked a representative at some time in the past if I could set-up a verbal password, because I thought that I had one set-up and a different customer service representative told me that that is not something that they do, but with my call yesterday, they prompted me to do so. I find these actions to be negligent of their legal duties in operating a financial business, as well as completely unethical in failing to notify me of fraudulent activity in a timely manner.
I am filling this complain because HSBC disqualified me from earning a checking account bonus due to the fact that I have an existing credit card account with the bank. However, the terms and conditions included regarding opening the checking account and earning a {$200.00} bonus specifically mention that customers can not have a consumer deposit or investment account prior to opening the checking account for a specified period of time. It's disappointing that the person who handled my response " XXXX '' who has a senior position can't tell the difference between a deposit account and a lending account. The first one is an account where customers deposit money and the second one a product where customer have a specified line of credit. 

I don't accept HSBC 's disqualifying me from an offer that I am clearly eligible for since I never had a deposit ( checking, savings ) account or an investment account with the bank before applying for my existing checking account and a credit card account is definitely not a deposit account. 

The terms and conditions didn't disqualify people based on previously having " Any type of account ''. They specifically mentioned Deposit or Investment account which I never had before.

I urge HSBC to honor the terms and conditions stated in the original offer and credit my checking account with {$200.00} bonus.

If HSBC senior employees can't tell the difference between deposit products and lending products then the best course of action would be to move my funds to a different bank.
From the month of XX/XX/XXXX to XX/XX/XXXX, I was living in XXXX XXXX Texas for work questions. The company XXXX offered me an internet service without any contract, I paid in advance to consume one month. 
At no time, I signed any contract, never assumed any commitment to pay, and at no time the company XXXX contacted me to negotiate any debt I returned to Utah on XX/XX/XXXX, after spending a month I received a credit alert in my XXXX  account of which I am a member. When I review the company XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, I was taken to collection at the request of the company XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
File a Dispute in XXXX  XXXX and on XX/XX/XXXX received the response from XXXX XXXX 's report. 
The answer design ; " The Element was removed from your Credit report At this time the XXXX company took me back to collection using another company The company XXXX acts outside the law and does not respect the rights of consumers. 
The company XXXX uses the collection companies and the credit bureaus to violate the rights of consumers and affect their credit