WillisBack/dataset-financial-user-claim huggingface dataset:
I was a victim of a Hipaa Breach that was announced in the XX/XX/XXXX. The breach involved a Health Department worker working at the XXXX XXXX  XXXX. My protected private information, medical records and social security number was compromised. I was instructed to check my credit report after my release from XXXX   XXXX. 
After my release I tried to apply for a bank account on and that was when I found out that I was in ChexSystems. XX/XX/XXXX was when I received my credit report from them. Analyzing the file I instantly notice the inaccuracy of my name and address and more. What stood out the most were two different occasions where it was checks ordered. In my initial dispute I clearly explained how I was a victim of a Hipaa Breach affecting hundreds of XXXX. In my dispute XX/XX/XXXX, I explained how I was requesting my file so I can check if it was fraudulent activity done while XXXX. In my dispute I enclosed a letter head from my XXXX XXXX signed showing the dates I was XXXX. 
ChexSystems started their investigation on the matter and kept me updated. ( I have the reports ) At the end of their investigation in their letter they stated how the information came back verified and then listed telephone numbers to call the banks. My problem is that when they verified one of the banks they provided me a copy of a signature bank card I originally did with the bank. As I disputed to them was that I needed to see the information surrounding the fraudulent activity because I knew the account was mine. Fast forward to now, is that they still reports false inaccurate information and also Im still unable to obtain a personal bank account due to Fraudulent activity and they are inabling criminals to do identity theft. My problem is XXXX XXXX XXXX inst reporting it to them but ChexSystems still report it making it so hard to recover. Also is if they really did a investigation they will see how the fraud wasnt from Me. Its more also however Im trying to take steps before I file claims in courts.
Wired {$10000.00} USD from Coinbase, Inc onXX/XX/XXXX to my personal bank account which I have done before. 

Showed wired was completed onXX/XX/XXXX. 

It is now XX/XX/XXXX and still no money. I have called coinbase everyday and nobody answers. I have called XXXX XXXX in New York who supposedly does their wiring and they have no knowledge of the wire. 

I have opened numerous cases with coinbase support only to get automated messages saying they will respond and they never do. 

Have all screenshots and documentation showing completed wire from Coinbase to my bank and where they even charged me for the : completed '' wire. 

Please look into this.
I was in the process of opening a savings account with XXXX XXXX XXXX XXXX and was informed of a previous account with them from 6 years ago ( XXXX ), the status of which is outstanding. 

I was referred to a company by the name of Bonneville Collections. 

Please consider this a formal Qualified Written Request ( QWR ) to Bonneville Collections ( BC ) for a full and complete account transaction history along with a transaction code guide, a copy of all Transfer of Ownership/Service Transfer/Charge-Off documentation ( I do not recall recieving this ), copies of all Monthly Statements, and copies of any County-recorded lien documentation as well as copies of all legal notices provided to me regarding said lien-documentation. 
Please also include a current Payoff Quote with interest, principle, and fees itemized ; in addition, all Collection Notification and/or Settlement Offers sent to me. 


BC, I intend to work with you to settle this account as soon as possible. 
I understand you have 30-days to respond, and that you will likely recieve this dispute forwarded to you by the CFPB on Monday XXXX/XXXX/XXXX. As it is a business standard to respond to regulatory disputes within 15-days, I expect my dispute to be forwarded to ( and handled by ) your Executive Response Team within the appropriate time frame.
Money was put in XXXX XXXX XXXX in two lump sums deposits first was XXXX, XXXX ; XXXX dollars and the second was XXXX dollars bank close went to XXXX and now Wells Fargo we have the deposit slips and have spoken to Wells Fargos Bank with no success. They keep sending us to missing money this money wouldnt be in that category. We need help finding the money
I have contacted XXXX XXXX now Navient about accounts that has been listen on my credit report same account under both names with the same account number. The have been reporting an account that should not have been open on my credit report and refused to investigate the account to see. I have asked them repeatedly to investigate the account. They are also reporting the wrong delinquency dates for other account as well.
I have not been contacted by the company or received any validation of debt. I have attempted to contact this company multiple times to request validation of debt that is supposedly owed. This company also operates under SYndicated Office Systems. On XXXX report, they will report the account under Central Finance COntrol and another report they would report under Syndicated Office Systems. This company uses inaccurate addresses on the credit so that a consumer can not contact them to requested documentation for the said debt. Multiple attempts have been made where the company has recvd my certified letters and no response has been given to me. Some attempts have been made and my certified letters have been returned. I have given this company more than enough time to provide me with the proper validation of debt with no response and no documentation. I am requesting this company removed their accounts and their partner Syndicated Office Systems from my credit reports immediately.
Upon my review with the Secretary of State my findings are that XXXX XXXX XXXX XXXX and XXXX XXXX  are NOT licensed, nor bonded to collect a debt in the state of Michigan so therefore no debt is owed, nor have they shown validation to this debt. I would respectively appreciate deletion of said items. There was another company reporting falsely on my Credit Report named XXXX hopefully they removed from all three reporting bureaus as indicated in letter sending, someone upon billing selected the wrong XXXX XXXX none of my children require pediatric care my baby is XXXX years old. Also I paid three collections off reporting by XXXX XXXX XXXX XXXX XXXX these were small hospital bills that were in violation of my HIPAA Law I want the derogatory reporting removed. As well I have sent several letters to XXXX XXXX asking that their false reporting of late payments be removed, I was late thirty days, not 60 upon their realizing their mistake the employee filed a dispute by his own accord trying to right the matter, however the report still shows inaccuracies. As well my report reflect inquireies that were not authorized, please remove all except those ( belonging to me ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are mine, I have been disputing causing my score to plummet trying to get items addressed and removed, with no respect to my plea, my frustration or my time. Credit is a respected privilege wisdom is the best teacher. Frustrated consumer, thank you.
I disputed this account when I received an alert that it reported to my credit report. After some reset I learned that it was an alleged debt from  XXXX   XXXX . I requested validation of this debt. I have not had cable in well over 10 years with  XXXX . I need the original billing so I can take to necessary steps to file a police report for identity theft. It has been well past the 30 days and I have yet to receive any kind of documentation this is a valid debt for me.
Letter dated XX/XX/XXXX, from the Barclayscard Office of the President / a XXXX XXXX XXXX, outlined credits that were in process of posting to my account in the amount of {$160.00}. This credit was short {$4.00} and should have instead been a sum of {$160.00}. This credit was supposed to have been applied and should have remained on my account for the next 3-4 months ; instead, it was removed on XX/XX/XXXX, which also was the first time that I placed a new charge for {$31.00} on my new replacement card. The card was replaced due to previous fraud on the account. 

As a result of the posted credits being removed from my account, I later learned that {$31.00} was expected as payment on XX/XX/XXXX instead of being deducted from the expected credit balance I thought I had. I posted a payment for the {$31.00} on XX/XX/XXXX, but it was just past the cut-off deadline and did not post until the following day of XX/XX/XXXX. I also have a future payment scheduled for XX/XX/XXXX, in the amount of {$35.00}, to cover the name statement period in full, for my " actual charges that exceed the {$160.00} which should have originally been credited and should have remained on my account, preventing all of these matters from becoming compound issues. Subsequently, I was charged a {$27.00} late fee. I have since contacted Barclays to request that all corrections be made. We are currently in a back-and-forth email and phone-tag pattern, meanwhile, I am still incurring additional charges i.e., {$3.00}. 

I am concerned this will continue getting out of control while I expect these corrections to be made. The fact of the matter is, the posted credit was removed from the account within 2-months of it being posted. This gave me no time to use it as intended and is now costing me more. There has never been a check issued for that or any other balance, not that I have seen, and nor do I want. I want all credits posted back to my account as discussed and for the full {$160.00}, plus a credit of the {$27.00} late charge, and the {$3.00} interest charge, and anything else that may post to my account in the meantime. I also want to make sure that nothing has negatively been reported to any of the credit bureaus, and nothing will. I would like a letter confirming that all of these transactions have correctly been posted and that I should be cleared of any adverse actions or negative reports that could possibly affect my credit, and I want this letter as a reference, should anything later appear and I would need a letter of that type to serve as proof to expedite any future potential issues as a result of these discrepancies now. 

Thank you in advance for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
I had a savings & checking account with Bank of America and the checking accounts have been closed due to negative balances. I have been trying to make this right because I use my savings account for everything and they are constantly charge me fees. I was told by them that because this account is used so often that the FTC would make them convert my account to a checking account. I wanted a payment plan and was told someone would contact me but this has n't happened but the fees keep coming. I believe they are not helping me so they can continue to collect these fees and for all the fees I have paid they could have been applied the fees to the balance I owe the bank. Please advise me as to why I have to continue to pay fees when the bank has n't complied with setting me up on some type of payment plan to resolve this issue.
I have disputed with XXXX  about a few things on my credit report several times. I have just disputed with them recently about a few accounts that have been closed for years but was included in my bankruptcy this year. They are refusing to remove them off my credit report. I have attempted several times before I decided to contact you. I'm trying to rebuild my credit but XXXX  is making it very difficult for me. All the student loans are consolidated under XXXX XXXX. They wont remove all the old Dep of Ed/XXXX  ones off my report. The accounts that I'm requiring about is : Dept of Ed  XX/XX/XXXX Account is under XXXX XXXX Dept of Ed XX/XX/XXXX Account is under XXXX XXXX Dept of Edu XX/XX/XXXX Account is under XXXX XXXX Dept of Edu  XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXXXXXX XXXX XX/XX/XXXX Account was included in Bankrupcy U.S Dept of Edu-XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Account was in included in Bankrupcy XXXX XX/XX/XXXX Account was included in Bankrupcy Dept of EduXXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts is under XXXX XXXX. 

I would like all these all removed off of my credit report. That way my credit report is would be correct. Thank you XXXX XXXX
I checked my credit score and found a derogatory remark from a company called Smith Rouchn, claiming I owed them {$55.00}. I have never heard of or from this company before, but after XXXX   them, I found nothing but 1 star reviews from people with the exact same problem. It looks like a scam company to me.
I was notify by the I.C. System of a debt that I do not owe with XXXX. The account that they are talking about is XXXX ( XXXX ) and they have it under account number XXXX and the reference number is XXXX. The problem is that order was cancel back on XX/XX/XXXX. I have call XXXX and spoke to a XXXX, XXXX and no one can seem to find it. I do not owe them anything because it was cancel. I live in an apartment complex and satellites are not allow and I have my lease to proved. So it was never set up and I never got any equipments. I do not owe anything and XXXX said they do not see anything concern this account nor my phone number. Could this be a scam. Usually it takes 90 days before a company would put thing in collection department. If this order date was made and cancel on XX/XX/XXXX and and I am getting a collection notice from I.C. System on XX/XX/XXXX and XXXX has it only collection department that I find out this morning. and they do not know anything about this. I concern this may be a scam and I do not owe anything because it was never setup and I have not sign anything and my landlord does not allow satellite at the apartment.
so my mom flipped out on the phone w/ XXXX XXXX " '' un XXXX '' the state named XXXX and personally if i owned a bank i wouldnt for customer service, i wouldnt have my clients call some other planet where economy is diff, not us dollars money and law just hear me out. and the decisions made that board of directors have no clue and i dont know XXXX about economics law and credit for instance about a momth ago XXXX sent mom a letter stating since you havent used their card for i dont know 45 days were terminate ya acct which doesnt cost them overhead keeping acct open and by cutting a potential profit XXXX ceo would lose their mindZ not over a XXXX dollars but as a XXXX i dont think its good business protocol to cut potential profits and oh ya XXXX eventually tells mom five years ago they used to take a set amt every month but isnt i mean five years to without permission go into someones checking account not tell them not ask them not even the exact amount taken out five years ago. basically XXXX picked a round number hit subtract and put yourselves in moms shoes and out of all the defense exhibits defense counsel may show the jury XXXX aka XXXX decided fove yrs ago they had a deal. thats the diff between XXXX and everyone else XXXX never uses paper currency its numbers on a screen no emotional ties where as XXXX cards by citi bank and banks ots a life situation you have only so much paper currency everyday as XXXX day in a branch of citibank. where XXXX no bank lets say i bought a car on ebay but XXXX lost it in mail so you disute charge where XXXX immediatly freezes that amount until a decision is made XXXX they not only want you to pay for what you never received but they making profit on interest if you dont pay bill now when it takes XXXX XXXX months make decision its your fault they take XXXX months but i didnt get product and thats my fault and am responsible for holy XXXX XXXX and XXXX have insurance for what reason? and you see im sure you hear stories like this everyday but a ) it still goes on and b ) do ya jobs, the checking acct and credit card are two diff accts thst dont know the other exists and c/o the great state of XXXX and XXXX goes but both accts through our company wha you want a XXXX medal? if someone hacks my bank acct and police find out who withdrew funds they get arrested but then here we are. if you have any questions comments or concerns my house number is XXXX and please write me a letter via mail @ XXXX XXXX XXXX XXXX XXXX, newyorkstate XXXX
I received a letter dated XXXX XXXX, 2017 that stated I could not be provided with loan options based on credit information on a TransUnion LLC credit report. I sent a letter within 2 weeks to TransUnion clearly asking for a copy of my report based on this, and received a letter dated XXXX XXXX,2017, that " Explanation of the inquiries on Your Credit Report '' with only a paragraph about it. Not only is it confusing, I still have n't received my credit report. Besides general information, the only contact recourse is via mail, which is far from XXXX XXXX advancements. I still would like a credit report from this agency that I requested within the appropriate 60 days.
I opened a secured credit card in XX/XX/XXXXwith Discover bank that went into default. The bank closed the account in XX/XX/XXXX and later sent me a XXXX. In XX/XX/XXXX I included the XXXX in my tax filings to the IRS. Discover continue to report the account as " Failure to Pay '' every month with the last report being on XX/XX/XXXX. I have called and asked them to allow me to settle the debt so they would stop reporting it monthly to the credit bureaus and I was told : " that is not an option '' The IRS rules that a XXXX is a debt cancellation and in the case of ( XXXX XXXX, XX/XX/XXXX XXXX XXXX ) from Chief Judge XXXX XXXX XXXX of the U.S. Bankruptcy Court for the XXXX  District of Iowa agrees that a creditor can not continue to collect on a debt after the issuing the debt cancellation notice.
Portfolio Recovery services continues to update false information on my credit reports. They keep reporting XXXX account as open collections. The accounts were well pas The SOL when they were purchased by them.the credit reporting agencies have removed them before only to rotate them to another reporting agency. I am sick of it The accounts in question are a very old XXXX Credit Card with a balance of {$900.00}. The other is a XXXX account/ XXXX. They are reporting a balance of {$1100.00} These account have been rotated around on each credit report.. These account were closed and sol between XX/XX/XXXX and XX/XX/XXXX. So why are they allowed to change dates and place thes on my credit reports as open accounts. I do not now nor have I ever had any dealings with this company. They should pay for every violation of my FDCPA and FCRA. Can you please get me some real answers.
I can not access my credit report electronically in any form, meaning through Equifax directly or any credit monitoring service. Equifax offered to send me a paper copy but did not fix the fact that I can not access my report electronically, nor can some creditors. I have a right to be able to access my credit report electronically. Equifax must fix this. I ca n't monitor my credit if they do n't which causes me substantial harm.
I have disputed since XXXX and equifax and companies are bouncing me around. My information was used to fraudently apply for an XXXX XXXX XXXX account and also a XXXX account. There are XXXX inquiries on my credit report and Equifax, XXXX XXXX XXXX and XXXX has refused to remove these HARD inquiries which are affecting my credit score. I faxed documentation to support the incorrect information, but neither companies are complying and I am exhausted with dealing with them and hope to get assistance to remove this fraud.
Paypal has sent me to collections over two cases that were filed  against me since  XXXX   XXXX . The total is {$680.00}. First of all they have allowed individuals to open cases past their own guidelines. According to  Paypal, a case must be opened within 120 days. Both cases were well over 120 days. Unfortunately one of the cases I could n't find tracking info for so I figured I will have to pay the {$450.00} since I could  n't locate tracking. The other case was for {$200.00} and I provided them tracking info off  XXXX  showing the package was shipped. Because the package was shipped over a year ago,  XXXX  tracking was n't working correctly. Now they have sent me to collections and wo n't even speak to me. My calls go directly to the collection agency which basically insinuates this is an old debt when it clearly is n't even  two months old. Today I get an email that an individual is opening a case against me from a transactio n dated  XXXX / XXXX / XXXX  which is again well over a year old. I try to login to m y Paypal account and now ca n't even log in. This is a HUGE problem. How can I fight my case if they wo n't speak to me or allow me to login to provide tracking info. Another issue is I have a Paypal credit account which is basically their credit card which I also ca n't log on to and I use this to make my payments online. I do n't know where to turn but I f eel as though I 'm being treated very unfairly.
On XX/XX/XXXX I called Equifax to notify them that previous attempts to have hard inquiries that were not authorized by me. I was told by XXXX they would be deleted. I was notified on the following day that they were verified as factual record of file access. They were not deleted as told to me on the XX/XX/XXXX and were updated as verified the following day. On XX/XX/XXXX I sent a letter to Equifax instructing them to remove these inquiries as they were not authorized by me and were n't related to any firm offer of credit, insurance, employment, or court order as the FCRA has put in place to protect consumers against actions that could be detrimental to their credit. This has in fact hurt my credit. On XX/XX/XXXX they placed that it was received and the XX/XX/XXXX they resent the same information " Inquiries are a factual record of file access. '' They are continuing to violate my rights as a consumer. Please investigate this for me and inform me of the results of the actions taken. 
Thank you
My problem is that Target was supposed to issue a refund to my card or a gift card for a claim that I submitted for defective sheets. I provided all of my documentation. 5 months later and I still do not have it. A lot of people around me have received their refunds, but I have n't received mine. I have sent a certified letter to Target letting them know of an impending small claims suit for the maximum amount that the law allows.
I noticed this debt on my credit report. The debt is XXXX and the company is forcing me to pay a much larger amount. They refuse to offer me a settlement when I am trying to make good on this debt.
There are many inquiries on my XXXX credit report I do not recognize some from XXXX bank, Chase Bank, XXXX and XXXX XXXX XXXX.
I had been disputing the collection account that is being reported on all  XXXX  credit bureaus. The credit bureaus keep responding that the debt has been verified. I requested the verification method that was used and they say that they get an electronic file. I requested documentation and was told that they do n't need documentation in order to verify the debt. In   XXXX   XXXX   I sent a debt validation request to  National   Credit Systems  in reference to a debt they are collecting which I never received a dunning letter for. The certified mail was delivered on   XXXX   XXXX   and signed by    XXXX   XXXX   . I have attached the proof of delivery in my documents. To date, I have not received a response but they are still reporting and verifying information with the credit bureaus.