WillisBack/dataset-financial-user-claim huggingface dataset:
On the evening of  XXXX   XXXX ,    2017  I was out with my wife for our wedding anniversary. I attempted to withdrawal money from an atm machine and was denied. I checked my balance and there was plenty of money. I tried several more times with no luck. I called my bank customer service ( too k over 30 minutes ) the service person said I was over my daily withdraw limit. I let her know that I have not  used my atm yet and it must be from the machines that were not letting me get money. She made some adjustment and I was able to get cash from the atm. The following morning  XXXX / XXXX /   17  I looked at my account and saw there was activity on my card from an atm machine earlier on the  XXXX . I called Bank of Am erica customer service again and let them know of the fraudulent atm activity. There was also one show ing for  XXXX / XXXX / 17 . Both of these withdraws were in different cities than all of my legitimate charges. I was informed that my card would be cancelled and they transferred me to the fraud department. I was on hold for  over 30 min utes and I had to hang up. The next morning  XXXX / XXXX / 17  I got on the phone again to file the full fraud information and again was on hold for o ver 30 m inutes and couldnt keep holding because I was at work. I then noticed that another atm withdrawal happend on  XXXX / XXXX / 17 . I was very unsure how this could happen if Bank of America cancelled the card. I ended up taking a day off and going into the bank office to file the case. After their investigation I was denied because they said I waited too long to file. When I argued that I have phone records fro m 3 straig ht days of trying to file the case the decided to reopen it. They have again denied coverage because they claim I knew of the charges because I accessed my online banking. When I asked how my card was turned back on the bank says that I called and said there was no fraud and to turn it back on. There is absolutely no common sense in this. Why would I call about fraud then call to turn it back on. These atm fraud withdrawals were made while the same card was being used in another city? How can the bank not have an alert for this. My card was never out of my possession.
Received letter from Resurgent Capital Services claiming they were collecting a debt for XXXX XXXX XXXX for {$7200.00}. I called Resurgent on XX/XX/XXXX and told them I had previously received a similar Debt Collection Notice back in XX/XX/XXXX from XXXX XXXX XXXX XXXX and I told them this was NOT my bill, that I had been previously charged with this and each time I had proven it was not mine ( see related correspondence ). 
At that time, Resurgent Supervisor, XXXX XXXX informed me they also had a second Debt to collect for XXXX XXXX XXXX  in the amount of {$3800.00}. I told them XXXX XXXX XXXX had previously sent these same claims from two previous Debt Collection Agencies as well from XXXX XXXX XXXX themselves ( back in XX/XX/XXXX ) - and so I would now be seeking at least {$1000.00} per repeated claim from XXXX XXXX XXXX / Resurgent for these repeated false claims and continual harrassment. It has cost me a small fortune in all the Registered Postage with Return Receipts Requested - and the only time they stopped harrassing me is when I complained to CFPB the last time - and, thankfully, you managed to resolve it for me at that time. And so, instead of trying myself three times ( with NO success ) I will go straight to you this time and request your expert help once again. All supporting data - for these latest two claims - and the previous ones are attached. I take this opportunity to thank you in anticipation of your being equally effective this time too. 
Yours Sincerely, XXXX XXXX Ph : XXXX XXXX XXXX
This complaint is against Coinbase Inc., ( www.coinbase.com ) who are currently holding my funds of {$3000.00} wrongfully.
On XX/XX/2017 I made a wire transfer from my bank ( XXXX XXXX XXXX ) to Coinbase Inc ( for {$3000.00}. The wire was successfully completed by the bank, but I did not see the funds in my Coinbase account. When I raised a support request, the support rep from Coinbase said they had rejected the wire as the account names did not match. ( My bank account is a joint bank  account that has both my name and my husband 's name, I do not see why this was rejected ). The customer service rep from Coinbase said they will wire out the {$3000.00} back to my bank account and I should see the funds back in my account within one business day.
It has been four business days so far, and I have not received the funds. I have called up my bank several times and they say they do not see the incoming wire transfer. I have tried contacting Coinbase several times ( raised support tickets, messaged them on XXXX and XXXX ) but to no avail. They have not responded to my request.
In XXXX 2016 I paid my Bank of America Credit Card my house payment which gave me a credit balance. I received a late payment letter from Bank of America Mortgage. Then I realized what I had done I called Bank of America Credit Card and they said they would forward the money to the mortgage group. I called the mortgage group to let them know what I done and they said they would put a note on my account. I then get a foreclosure notice for being one month behind because the money had not been forwarded to the mortgage department. I call the mortgage department and advise them again what had happened and again they state a note would be put in my file. I then call Bank of America Credit Card and they tell me it had been forwarded to the mortgage group. I then call the mortgage group and they tell me they did not receive it however they would check into it and get back with me. Then I receive a letter from XXXX XXXX a debt collection agency and they are taking over my loan. Then I get notification that my credit has been adversely affected by a 30 day late report from Bank of America. So called Bank of America about this and they say well it was late and they are not going to do anything about it.
I have supplied several times forms to delete XXXX from my account. However, Due to the investigation process either Equi-Fax does n't respond or simply leaves the information on the report causing my score to be low and I eventually lose opportunities to purchase a house or car
I would like to begin by saying that this is common practice for the landlord associated with the complaint, who houses approximately  XXXX  students in  XXXX , MO, every year. If they know you are graduating, they send you a notice of damages knowing you will never be their customer again, knowing most people will pay. Of  XXXX  fellow graduates and tenants that I spoke with, all have experienced the same issue. This is rampant abuse of the system.
 XXXX 
I leased an apartment from   XXXX   XXXX   XXXX   XXXX   XXXX  . The lease ende d  XX/XX/XXXX . O n  XX/XX/XXXX , I received notice from  XXXX  in the landlord 's accounts receivables division that I was being charged {$160.00} for 'damages ' to the unit I leased. There were no damages to the unit, and this was confirmed orally by their leasing agent,  XXXX , to my roommate,  XXXX , at the commencement of our walk-through on  XX/XX/XXXX .   XXXX    was not provided with documentation of the lack of damages. More relevant than the lack of damages is the state of Missouri 's requirement of landlord 's to deliver notice of damages within 30 days of the termination of the lease. See here :   XXXX   XXXX   XXXX   XX/XX/XXXX J XX/XX/XXXX , and I received notice of damages on  XX/XX/XXXX . I quoted the relevant statue provided above to  XXXX  in accounts receivable, expressing that I would not be paying for the damages. According to  XXXX , my 'debt ' was sent to collections company Accudata on XX/XX/XXXX . I never received notice of this 'debt ' from Accudata.
 XXXX 
My father, however, did receive notice, and received a derogatory mark on his credit report, too. He disputed the debt with Accudata immediately by mail, expressing that  XXXX  was too late in reporting damages to us according to Missouri statutes. Accudata replied by sending back images of supposed damages.
 XXXX 
The derogatory mark from Accudata exists on our credit reports to this day, and we have still not paid said 'debt '.   XXXX   XXXX   XXXX   XXXX   XXXX   is a subsidiary of   XXXX   XXXX   XXXX  , and operates under the '  XXXX   XXXX   XXXX   ' brand.
XXXX XXXX XXXX has been contacted by myself numerous times about a bill for XXXX phone service. This is not my account and I have tried getting it removed from my credit report. The balance is XXXX. I have no knowledge of this account
I sent a dispute letter to the bureaus ( XXXX, XXXX, and Trans Union ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or compay .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
I left my apartment with a zero balance in a month to month lease. This property had no structured management therefore after paying the last month rent to the maintenance man I was unable to retrieve my security deposit or sign out of the property correctly. I decided to move on leaving my deposit. I recently checked my credit report and after 4 years this collection showed up. I checked to see if the property still remained and was able to reach a extremely difficult and uncooperative manager that would not help resolve the issue. I was told I did n't give management notice so they kept my deposit which was one months rent and added a $ 1500+ debt.
I was approached by a member of XXXX XXXX XXXX team. I was rushed into applying for a loan to pay for the materials used for the program. When I decided to cancel, I was told it was too late. Even though I was told that the contract was n't binding until after I took and passed the first exam. So after I asked for a cancellation, three monthly payments was taken out of my bank within a 5 week period. So i shut down the account. I received a phone call from Lockhart, Morriss, and Montgomery saying that i owed this debt for {$6500.00}. After that conversation I contacted my Attorney General, and the Attorney General in Indiana. I am currently in contact with them now. But when I Looked over my credit report, the original lender is said to be XXXX XXXX XXXX. I called these people and was told they had no information concerning a loan with me. This prompted me to pull up the application. On the application page XXXX it says the Lender of the loan is XXXX. I called the office listed on the application. I was told there was no loan given to XXXX on my behalf and that I should contact legal services. I am fully aware of the class actions law suits against XXXX. I have been place in a mediator service through the Indiana Attorney General department with XXXX XXXX XXXX. This is my last resort before contacting legal services.
I have hard inquiries that i don't recognize there are from : XXXX XXXX   I on XX/XX/2018 XXXX on XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 CAPITAL ONE XX/XX/2018 XXXX XXXX  XX/XX/2018
In XXXX XXXX I found out someone had rented an apartment in my name XXXX XXXX XXXX in XXXXXXXX XXXX who said I owed {$3900.00}. I then contract the collection agancy which is NCC Business and informed them that it was not me. I was told by an repersentive at this company that I need to send a email giving them permission to send information about this account through email which I did. I never recieve anything or heard form them again. I then was trying to rent an apartment in XXXX XXXX. And was told by the complex that I owed another complex money. This is when I saw that it was been reported to XXXX and XXXX XXXX, I contract both reporting agency put in an dispute, XXXX responded and said the debt was mine. I then contracted the oringinal credtior on XXXX XXXX, XXXX who 's name is XXXX and I did a Dispute XXXX giving them a police report. They never responded so once again I let the NCC Business company know that there was no answer. And how if I was not getting an answer how were they. NCC would not let me know who was they contract at XXXX,. I reached back out to NCC Business and sent them my XXXX report and a photo ID. NCC Business then told me they would send this information to XXXX. And XXXX had thirty days to answer. this was on XXXX XXXX, XXXX. I called XXXX XXXX again on XXXX XXXX, XXXX an spoke with a supervisor by the name of XXXX XXXX who told me that XXXX responded and said that the debt and the ID match.So I called the local XXXX office on XXXX XXXX and was told to call their customer care office in XXXX Once reaching out to XXXX customer care department on XXXX XXXX I was told by a repersentive who 's name is XXXX who is the person you speak with when you are trying to pay a debt or dispute a debt for that area which is Georgia. XXXX told me that they never recieved any paperwork from XXXX XXXX about the debt. And if XXXX did send it to us it would be no way to verify because we no longer own the apartments. And also we do not have your ID on file. I called NCC back on XXXX XXXX, XXXX spoke with XXXX XXXX again told him what was told to me and asked again who or where did he send the paperwork and XXXX XXXX still had no answer for me.
XX/XX/XXXX Check XXXX from XXXX XXXX deposited into my wife 's account at Ally Bank via mobile deposit. 

XX/XX/XXXX My wife notices funds have been removed from Ally Bank and calls Ally service number. Representative states we should follow up with check issuer as the funds were removed by request. 

After back and forth with check writer, they state they did not receive the funds from Ally and tell us they do not have the funds. 

XX/XX/XXXX My wife contacts Ally and representative states we may be victim of ID fraud and that a claim has been opened. 

Since that time we have not been able to speak with the Loss Prevention Unit of Ally Bank and they refuse to return our calls.
I have been requesting verification of the following account that Equifax continues to report on my credit file : US Bankruptcy court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification XX/XX/2018. On XXXX XXXX I directly called the XXXX XXXX number listed on my report at XXXX and spoke with an agent who informed me that a security freeze was placed on my account as of XXXX XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. Might I also add the bankruptcies were deleted XX/XX/2018 HOWEVER Equifax added them back on my credit report without giving me a 5-day reinsertion notice which I have proof of and shows a clear violation on Equifax part on reporting accurate information. 
Might I also add on XXXX XXXX I directly called the number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent who advised me that my security freeze was confirmed and set into place XX/XX/2018. She also told me there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported XX/XX/2018. 
I demand that this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifaxs so-called verification on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX  CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is XXXX XXXX address and a statement saying, the account was verified. I demand that this unverified account : US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is PERMENANTLY DELETED FROM MY CREDIT FILE. 
I demand and request this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed/ DELETED PERMENANTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX XXXX agents assured me that Equifaxs XX/XX/2018 reported date and verification date DID NOT come from XXXX XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. PLEASE HELP!
I was offered a forebearance because I was impacted by hurricane Irma and was advised that I had to pay the payments at the end. With me being a new homeowner, I had no idea that this meant at the end of the 90 days. I thought it would be added on the backend of the loan. Since I didnt have 3 months of payments to pay at one time, I was forced into a remodification which I received paperwork that I had to sign and return showing a modified amount for XXXX and I did everything that I was advised to do and next thing I know, the payment skyrocket to XXXX. They moved a payment to escrow after I was advised to pay XXXX in XXXX. Now they are saying Im 2 months behind and are reporting to the credit bureau.
chase let XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States charge my account i showed them proof i never received the item XXXX XXXX XXXX Manager said it 's not her problem let chase and XXXX handle it
Portfolio Collections is now on my credit report and they are trying to collect a debt that was paid off by my agreement with XXXX XXXX XXXX.
On XXXX XXXX I was victim of identity thefth. The impersonator opened accounts with XXXX, Best Buy, XXXX Macys & Bloomingdales. At this point only Macys and Bloomingdales have n't take care of the situation, I already have a 30 days late payment affecting my credit. The are not able to provide a claim or case number, on XXXX XXXX I sent an affidavit stating I did n't open the accounts, I have made 27 calls and get different answers, I sent emails, Direct Message via XXXX and nobody can give me an status, everyone is giving the run around. 
I am putting to much time and energy in to this and I am the victim, the failed from the beginning accepting a fake ID to open accounts under my name. The perpetrator is even arrested in the XXXX XXXX Jail system. MAcys and Bllomingdale did n't even provided information, only Best Buy provided camera footage. All Im asking now is at least a temporary credit until they close their investigation, if there is one.
I withdraw {$500.00} from Atm Machine located at the Citibank branch of the city of XXXX CA XXXX on XXXX XXXX 2016 around XXXX. I realized the ATM gave me just {$200.00}, I called Citibank customer service to report this incident, They gave me conditional credit toward my account pending investigation without showing any proof they reversed the {$300.00} credit given, I spoke with a Supervisor on the customer service department I told him, I need some type of proof as a video of the transaction because while after completing their investigation Citibank has not provided me proof of such the money given by the ATM just they said as stated on the letter 'they cant XXXX honor my request '' That 's why I 'm reporting this issue to the CFPB.
I had to late payments near the end of 2015 on my Capital One credit card. XXXX and XXXX I believe. I disputed them because they are reported as 30 days late. In reality XXXX was only 10 days late and the other 15 days, the late fees were even reversed. 
The dispute request to have the late payments removed since FCRA allows reporting after 30 days late was denied and the negative information remains. 
I would like Capital one to remove those negative marks.
This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt
These accounts were opened in approx XX/XX/XXXX-XX/XX/XXXX by AmeriCredit. They have since been sold to GMFinancial. I have the partial acct # of XXXX and XXXX. XXXX was paid in full however XXXX was first delinquent BY the XX/XX/XXXX. GMFinancial is reporting incorrect dates on my credit reports. There have been no activity on these since XX/XX/XXXX. Since it has been over 7-8 years from first delinquency they can not be reporting these to the credit bureaus any longer. I have attached what the report is currently showing and as you can see threy lied on dates ...
I was just hired on to a job. When my employer did my background check, they said that my social security number was tied to another name! I went online to the annual credit report website to get my credit reports, but I was n't able to even view them because it said there was discrepencies with my social security number! I need to get my credit report so that I can view it in order to file a police report!
The company is reporting three separate accounts that are attached to my SSN to the credit bureaus XXXX XXXX and XXXX. The three accounts total to the amount of {$1700.00}. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
( 1 ) A purchase was made was made on a Bank of America credit card for {$180.00} on XX/XX/XXXX ( 2 ) The purchase was billed to me on a bill dated XX/XX/XXXX ( 3 ) This was the first time this purchase appeared on the credit card bill ( 4 ) The credit card bill included interest on the {$180.00} purchase. This is the first time I have ever seen this occur.

( 5 ) Is the Credit Card Company permitted to charge me interest on the purchase without even giving me an opportunity to pay off the charge within the specified time period on the bill?

( 6 ) Today 's date is XX/XX/XXXX