WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion deleted my Bankruptcy on XX/XX/XXXX, but then re-added it to my report. It was deleted and should remain deleted. Also they are reporting XXXX XXXX XXXX which should be deleted in XX/XX/XXXX. 
XXXX payments were not late My balances are incorrect for the following accounts : XXXX XXXX XXXX
XXXX XXXX, XXXX or Experian has n't updated my credit report with my new address and phone number. I want XXXX XXXX, XXXX and Experian to update my credit report and public records with my new address and phone number which is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX. I want a statement added to my credit report. I want the statement to read the following : Before creditors issue any credit in my name, they must call and verify it with me at : XXXX
I have sent Trident Asset Management a debt validation letter, requesting validation as well as their right to collect in my state and proof the statute of limitations had not expired. 
They sent a phone bill XXXX no copies of Contracts, no XXXX or XXXX number, no signature etc ) this does not validate the debt. 
Trident also is reporting when the are not the current account holder, that falls under XXXX XXXX XXXX who is owned by Trident, but not licensed in Fl. 
According to Fl statute of limitations ( which they did not send proof of ) a XXXX XXXX is XXXX and an XXXX is XXXX yrs.. This bill they sent is dated XXXX/XXXX/XXXX, which by Fl law the statute of limitations has expired. ( Please see attached )
I have been waiting since XXXX XXXX to access my money and my card is not reflecting the correct balance. I have made over a dozen attempts to get this corrected and no one helps me. This is dealing with Rushcard. I am very fed up. No one wants to help nor compensate me for the hardship this ha caused me while on vacation. They wont tell us what happened just continues to make excuses. You can also check there XXXX page lots of angry customers.
I went through the process of opening an interest checking account with Ally Bank ( online ). Upon completing the application per their instructions I submitted my application # XXXX as well as mom 's # XXXX and was told I would hear from the bank in the next 3-5 days. I received a call from a banking representative XX/XX/2018 informing me that I had to unfreeze my credit with XXXX XXXX to run a credit check for me to be considered for a checking/savings account as per the " Patriot Act ''. I informed the bank that my credit was frozen for identity theft reasons and it would not be unfrozen. My issues are as follows 1 ) My personal and identifying information was given over to Ally Bank in good faith for the bank to maintain a fiduciary duty and that the bank nowhere throught the application process mentioned a credit check was necessary. 2 ) That a refusal to authorize a credit check is not a valid reason to deny someone a checking/savings account. 3 ) A  fiduciary may not lie to its customer citing the " Patriot Act '' as the reason mandating a credit check. 4 ) A second representative ( XXXX ) also lied saying that the disclosure for the credit check was right on the online application which it is not. As a result I am left with providing personal information to a lending institution that did not have the right to deny a customer a checking/savings account for refusing a credit check. Based on the misleading statements about credit checks and what is on their online application as proper identification I do not wish to be an Ally customer but also wish for senior management to protect such personal information from any and all employees to prevent nefarious misuse thereof. I will not be part of an institution that goes outside of the regulations for reasons to deny a customer a checking/savings account. There needs to be upfront declarations for the need of a credit check in the initial stages of their online application process. I will now and forever feel compromised by Ally bank in regards to my personal information and was delt with in a dishonest manner in regards to the regulations as read to me by a representative of the CFPB.
PLEASE NOTE : U.S. BANK HAS MY ENTIRE TIME LINE, POLICE REPORT, FILES, DOCUMENTS, EVERYTHING IM STATING BELOW.
XXXX XXXX, 2017 I received dismissal papers from A Judgement issued against me from U.S. Bank on XXXX XXXX, 2013. I believe the OCC case # XXXX was responsible for this, and my last phone call with the OCC was on XXXX XXXX, 2017, and they stated my case # is still open and I sent them all the documents and updates since my Dismissal on XXXX XXXX, 2017, INCLUDING THE RESPONSE LETTER FROM U.S. BANK.
I submitted all the required documents to U.S. Bank to get reimbursed for my expenses on XXXX XXXX, 2017, which was received by U.S. Bank on XXXX XXXX, 2017. U.S. Bank in return sent a response letter dated XXXX XXXX, 2017 but I did not receive it until XXXX XXXX, 2017. 1 DAY LATE AND AS I STATED, THE CLAIM WILL BE CLOSED IN MY FAVOR, AND I WILL BE EXPECTING A CHECK IF I DO NOT RECEIVE A RESPONSE BY XXXX XXXX, 2017 U.S. Bank is now claiming my claim is closed with them and their reasoning is in the letter. I have tried to contact the Fraud Division Directly, but U.S. BANK WILL not letme speak to the Investigator. U.S. Bank simply says, my claim is close, I need to go to law enforcement now and take it up with the cops.
I owned a home that Litton Loan was the mortgager in XXXX when I settled the debt. Ocwen Loan Servicing who bought Litton Loan has been reporting that I had a loan with them that was settled in XXXX and was 120 days past due at that time. This is an excerpt from my XXXX Credit Report... 
XXXX Account name OCWEN LOAN SERVICING XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Mortgage Terms 30 Years On record until XXXX XXXX Recent balance Not reported Credit limit or origi- nal amount {$120000.00} High balance $ 0 Monthly payment Date opened XXXX Date of status XXXX First reported XXXX Responsibility Individual Status Paid in settlement. 
Comment Account paid in full for less than full balance ________________________________ I have dispute the validity of this reporting with the credit bureau but they have said it was verified as correct by Ocwen. I have been calling and corresponding with Ocwen for the last several months, requesting that the provide documentation via original loan documents, settlement statement, payment history, etc. However, when I call they are unable to verify that I or this loan exists in their records. I have provided per their request full name of borrower ( myself ), property address, original loan number ( Litton Loan ), social security number and my current contact information, as well as a copy my credit report showing their reporting. I have provided this via phone, US mail and email yet they insist there is no record of me or this loan.
I used to carried a XXXX credit card from XXXX which I used to purchased couple of watches and some wearing in the XXXX. When I bought my first home XXXX, I charged a freezer, TV, vacuum cleaner and few air conditioners which added my bills up to {$2200.00}. I have been paying this credit card monthly bills since I first charged it up to XXXX without any additional charges. When I lose my house in fore-closure XXXX XXXX and moved into my daughter 's home the same year and could n't afford payments of my personal bills due to six months suspension from work and limited income, XXXX sent my bill to collection agencies that started to harassed me for payment. By XXXX they added new interest and took my below {$1.00}, XXXX bill up to XXXX. This action forced me to make a monthly payment plan for about {$40.00} which I paid up to the end of XXXX at which time they urged me to increase my monthly payment in XXXX or face more charges because my current payment was small. It was at this point I informed the NYS Attorney General 's office about this bill. NYS Attorney General 's office told me, ( if you have been paying this credit card bill since XXXX to current, we believe you have enough on this credit card bills, if the collectors continues to harassed you, gathered their information and forward it to us. ) When I told the collection agency to forward to me the necessary information, they calling me. To my surprise, especially when I have retired effective XXXX/XXXX/XXXX, this new collection agency, ( Forster & Garbus LLP, a XXXX Law Firm, XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. XXXX XXXX XXXX, ) has garnished my retirement checks and received payments of {$300.00} up to current until I pay to them {$3.00}, XXXX. XXXX, thru a court writ that I did n't received or served a copy. My request is that, I believed they have wrongfully garnished my retirement checks, has billed me more than what I ever owed to XXXX, must stop all future garnishment, and they must pay me back every cents received. Thanks. I look forward to hearing from you soon.
similar to previous complaint  XXXX  on NELNET.COM - TERRIBLE I continue to get emails asking for sum total of {$1700.00} in emails, i login to Nelnet to double-check the amount due, which is consistent with emails {$1700.00}.     BUT - when the day comes to pay (  XXXX  of month, as stated online and in emails ) ... THEN the amount due changes by several hundred dollars.     i 'm sick and tired of being stressed out about this ; set the monthly payment @ {$1700.00} and stop fluctuating!!!!!   - XXXX
I disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' XXXX as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/XXXX, which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.
This is regarding my store credit and with  Home Depo t. I had a home improvement done and paid off credit card at  one  point for about {$4000.00} plus, I later made a purchase for about {$80.00} but never got a statement and bill in the mail so I had it in mind that the card was paid off not remembering that the {$80.00} was incurred after I paid off my card.   The issue here is that  Home Deport  decided not to send a paper mail or email instead their electronic call system called and I missed the call because I was at work so, they charged me {$35.00}  three  times. When I eventually found out in  XXXX    XXXX  , I pleaded with them to drop the fees but they refused. However, I went ahead and paid off my balance including the fees. It broke my  heart  that they still went ahead and reported it as a delinquency on my credit report instead of trying to reach me first as a valuable customer that I am to them. I did a home improvement worth {$4000.00} plus and I paid it off without a reminded or any force. This has affected my  XXXX   XXXX  negatively, I worked so hard to build my credit and I NEVER have any issue paying my credit or debt every time and on time.
I have sent a written dispute twice to TransUnion by registered mail. I do have copies of receipt and stamped documents that they did receive my dispute. The first time I sent a dispute was XX/XX/2018 I received a copy of receipt that they stamped on XX/XX/2018 I did not receive any information regarding my dispute. The second time I sent a written dispute by registered mail was on XX/XX/2018 and I have a receipt that they received the documents XX/XX/2018. I have called TransUnion numerous times. They say that they have never received a written dispute by registered mail from me. But as I said I have documentation that they did receive my disputes. I have spent time and money to get damaging information off my credit report. Along with my credit dispute, I sent documents that would would support the accuracy of my disputes.
How I chose to invest my money is none of Capitol Ones business. Their unpublished blocking of crypto currency transactions is unlawful - which explains why they aren't publishing it or warning new customers that their account is worthless. 

For security reasons is a lie. They don't block transactions to/from scammers or 'as seen on tv ' fraudsters. They don't publish how great they are by keeping you safe from cryptocurrency, which would be a big selling point if it wasn't a lie. Furthermore, they themselves offer high risk investments that make bitcoin risk look like a stroll in the park! It is patently an illegal attempt to block their competition. 

It's my money, I will spend/make it how I wish. My bank is there to receive, store, and disburse those funds at my direction, not to hold them hostage  from their competition!
I have been using Coinbase for 7-8 months now, and have had no issues. In XXXX, I wanted to withdraw my funds from the " Vaults '' that I had created in Coinbase. I have about {$3000.00} worth of digital currencies sitting in Coinbase and I felt like it was a good time to take the funds out of a public exchange. 

However, I realized that I don't have access to the secondary email account that I needed to use in order to confirm the withdrawal. I have opened multiple support cases, and the last time I heard back on XX/XX/XXXX ( writing this on XX/XX/ ) I was told that a specialist was on the case and that I'd hear back soon. They have since stopped responding to support emails and their phone support never seems to be able to answer the phone. I saw on XXXX that this was a good place to turn as a last resort. 

Main support case is Case # XXXX but I have also opened Case # XXXX
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Experian, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Invoice never received from originating collector. " Debt '' was then sold to debt collector who uses harassing communication techniques to collect debt that does not even belong to me in the first place. As a consumer, I would like to report XXXX XXXX XXXXXXXX XXXX GA XXXX who insist on violating Fair Debt Collection Practices by attempting to collect a debt not owed. 
XXXX XXXX  XXXX also fails to send written notice about debt and continues to make false statements and representations by harassing consumer with negative and legal action threats. 
Foremost, I do not authorize XXXX XXXX XXXX to continue contacting me and I will pursue legal actions if daily harassment continues to take place.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers  is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
This company is reporting erroneous information on my XXXX credit report with account number XXXX. Several years ago I filed a bankruptcy which has now discharged. This company has reported this debt to XXXX AFTER the filing of a bankruptcy for a creditor that was included in the bankruptcy with dates as recent as XXXX of 2015. This is a severe violation of the FCRA and FDCPA. I have written them at least XXXX about this. I will attach the documentation.
I went to my State Farm Agent to conduct some business. In the time that I was there, I decided to open a bank account. After leaving the agents office I was confident that everything was done and that I was only awaiting a debit card, deposit slips and withdrawals slips. I received information by mail that the account could not be opened. When calling state farm bank, I was told that the account could not be opened in a joint account and asked if I still wanted the account opened. I responded to the young lady that yes I want to open the account, ( I was not aware that a new application was being done ). She informed me that I would need to send them verifying information and I asked her could I email that information to her. She in turn said no that it needed to be faxed. I told her that I would take it to XXXX with me and see if the bank could fax her that information since I did not have access to a fax machine. I DID NOT FAX THAT INFORMATION TO STATE FARM. On XXXX XXXX, 2015 monies were transfered to State Farm bank from my XXXX XXXX XXXX account. I contacted State Farm Bank asking that the monies be put back into my account since I was under the impression that the account was not open. In an effort to have the monies sent back to my account today, I was told that nothing could be done until they receive the address verification. Again I told them that I do not have access to a fax machine and that I could scan and email them the information that they needed. The supervisor in turn got on the line and said that they could not accept it by email and that I could go to a state farm office and have it sent to them. Again I asked how do he propose I get to another agents office when my vehicle does not have any breaks. I also informed them that they were stealing my money and I wanted it back immediately. Question : IF I DID NOT SEND YOU VERIFICATION FOR THE FIRST ACCOUNT, WHY WOULD YOU OPEN A SECOND ACCOUNT?
I noticed that I had a negative item on my credit report from Portfolio Recovery Associates. I immediately disputed the debt with all 3 credit agencies. I then began to receive calls at my work at different times and reached out to the President of the company via email. See attachment. Since then Portfolio Recovery validated the debt with the agencies and I disputed again because they did not provide any documentation to the debt. I received from XXXX two credit card statements. There is no information about the transactions dates or any last payment information, dates or contract that I signed for this credit card. I disputed again as I do not recall ever having this account. They also are pulling my credit report every month without my consent. I have not authorized them to do so. As stated in the attach letter if they did not remove this from my credit report report in 15 days from XXXX XXXX, 2017 I would file a complaint with FDCPA and I have actually given them 30 days to comply. Next step is in bullet point # 3 if they do not honor the request I have put forth.
My cell phone number - and my brother 's - is not associated with my mother, nor does she give it out. However, a XXXX XXXX from the National Enterprise System has attained our cell phone numbers and repeatedly called with claims about our mother 's debts. We have clarified that we are not the people to speak to and that he legally must mail her information because she has no idea who this company is or what they are calling about. I have called their compliance department to complain and was sent to a voicemail. I have yet to know if they actually received my voicemail. I am complaining because someone else 's debts are not my concern and I am very upset that our numbers were found and used in an illegal manner.
My complaint is in regards to a recent claim dated XXXX XXXX, 2017 regarding account # XXXX which Enhanced Recovery claims to have verified, and that I owe them in the amount of {$2200.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a bill. This company along with another collection agency, XXXX XXXX, continue to report this on my credit file which I have recently disputed with XXXX credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX
On XX/XX/2018, GM Financial received ( certified mail ) my debt validation request. 

I did not receive a response from GM Financial until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.
There are two issues with regard to my complaint about Coinbase Inc. based in XXXX XXXX, CA.
First, not exercising due deligence as promised by the company to protect the financial well being of the customers. This includes locking my account, and not being responsive to my numerous voicemail and email requests to resolve the issue. As a result, this has inhibited me from taking adequate action to protect my financial situation against recent too volatile digital currencies movement.
Second, not depositing or otherwise rejecting the fund I transferred from my XXXX XXXX XXXX account to my US dollar wallet account which is stored on coinbase platform ( {$8000.00} ).
The story : I opened a coinbase account and slowly started buying digital currencies ( BTC, ETH and LTC ) using my checking account and credit card. I excecised extreme caution in my new venture. On XX/XX/XXXX, I transferred {$8000.00} from my XXXX XXXX XXXX account to coinbase account at XXXX XXXX XXXX. The fund was supposed to be available in my US dollar wallet at cointbase account within 3 days. The XXXX XXXX XXXX  even confirmed that XXXX XXXX XXXX  received money on XXXX XXXX, 2017, but as of now (XX/XX/XXXX ) they have neither rejected nor deposited the fund. I contacted their bank but it did not avail me. As I mentioned, they lack a responsive customer support line.
Most importantly is the incidence that occurred on Friday, XXXX XXXX, 2017. I  made an attempt to sign up to XXXX XXXX, which is part of Coinbase Inc and is maintained by them. I used a different password than that used for my main coinbase account. I also used XXXX Authenticator required by Coinbase Inc as part of the sign-up process. I never scynronized my XXXX account with my wallets at Coinbase Inc. Within 2 minutes after my sign-up, I decided to log in to my main coinbase account, only to find that I could n't log in. I checked my email and found a notification from Coinbase that my password had been changed. Having thought that my account might have been compromised, I requested that my account be disabled by clicking on the safe link they had provided in the email. I also sent them an email to report the incidence. They got back to me the following day asking for the reason for my request!, and informing that my account would remain disabled until I confirm my password, email, and 2-factor security codes are secured. I have sent them numerous emails, and left them voicemails at their number at XXXX, but no responses yet. My account excluding the above {$8000.00} is worth around {$25000.00}.
This incidence may simply have been caused by my main coinbase account password being replaced by my XXXX sign-up password, a situation that I should have been warned upon XXXX  registration.