WillisBack/dataset-financial-user-claim huggingface dataset:
My school recently closed due to misconduct, and basically false advertising, Unfortunately I completed my degree in 2010 but with no help from career services and a bunch of empty promises I am still unable to find a career in my field that pays more than XXXX an hour. I believe I was a victim in their practices especially when they started a XXXX degree program ( that was not up to par ). I was one of the first to be in the program, instructors were not prepared or not given the right tools to teach. We were promised crime scene investigations etc. what we got was reading a textbook and researching case law on google. It is an experience I wish I never had and now that they are closed what should I do?
Lein has been released back on XX/XX/2015 experian still shows this on my credit report they need to remove this judgement
Hi, My name is XXXX XXXX. The related company is coinbase. My issue is that I am unable to withdraw USD back into my bank account from my Coinbase wallet. The reason being is I do not have an SSN so I can not verify my account. However, the coinbase didn't require my SSN before I wired money into my account. I'm a XXXX XXXX in XXXX, XXXX and I don't have ssn, but I have verified my driver license. This is so serious because I just wired XXXX dollars into my usd wallet. The following are my case numbers : XXXX, XXXX. The case has been escalated and I was told that I will be approached by a specialist. However, it has been weeks and there has been zero response. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX
Please listen to this response to my sister XXXX XXXX with XXXX following up with Bank of America helping with me ( brother ), requests. I complain with Bank of America 's overdraft records caused of scam last XXXX 2015, no recovered from scam that I disappointed. Bank of America charged me overdraft {$35.00} on this checking account. I was unfitted Oregon resident notification to XXXX. Senators continually, request. I do not like XXXX XXXX resident XXXX XXXX, too much ) report to XXXX. Did Bank of America forwarded with my sad icons on checking slip forward to XXXX. XXXX and XXXX in XXXX DC as show this sad icons to the male justice at requests. I do not want living in XXXX, at serious periods. 
I was not happy with losing money from one-time scam in last XXXX or XXXX 2015 due of my forgotten cause of XXXX under unfitted XXXX residents notification to XXXX XXXX XXXX requests included of XXXX addresses.
I initially began disputing this account with each of the credit bureaus in XX/XX/XXXX. The responses from the bureaus reflected that this account entry was verified. I sent XXXX 's a letter ( see attached ) in XX/XX/XXXX, requesting that they investigate this account. My formal request included informing them that each of the 3 bureau reflected a different charge off date. This was the first inaccuracy. Additionally, I requested that they submit a payment history of the account as well as the accounting ledger they maintained that reflects all payments made. Too, this would verify that the amount alleged as owed is indeed accurate and more importantly, it would reflect when this account was charged off as well as if XXXX 's wrote the account off as a profit and loss. 

I received documentation from XXXX 's dated XX/XX/XXXX ( see attached ) which was over a year old from when I actually submitted a dispute. How then was this company able to send me a letter dated for XX/XX/XXXX when my initial dispute to them was in XX/XX/XXXX? As reflected on the letter, XXXX XXXX ( as signed ) stated this response she provided was based on my inquiry, yet as I have mentioned, I only requested this information in XX/XX/XXXX. It appears this letter is backdated in order for them to cover up the fact that they are violating my consumer rights. Included within this letter was a check dated for XX/XX/XXXX. If this was the only payment made, then why did they not provide me a clear registry that reflects this. Also, they again did NOT honor my request to prove that the balance they are alleging I owe is accurate, timely and verifiable. 

What is the actual charge off date? Where are the summaries of payment history for this account? What does the general ledger account reflect for this account? All of this requested information should be housed with XXXX 's and provided to me upon request. It 's obvious this company can not substantiate their reporting as the FDCPA outlines as well as the FCRA ; therefore, this entry must be DELETED!
This company called my ex husband, his wife and my son, concerning this debt. The debt was actually discharged in a bankruptcy XXXX months ago. They also told my ex-husband that I used him as a reference. Which is totally false.
I had internet service with XXXX XXXX for a few years. XX/XX/XXXX I started to experience a lot of problems where the internet would go down for hours at a time. XXXX XXXX did not resolve the issue, therefore I terminated my service with them in XX/XX/XXXX. I had automatic payment setup and did not have a contract. My last payment came out of my bank account on XX/XX/XXXX. A couple of years later I checked my credit report and discovered that XXXX had turned me over to a collections agency ( XXXX XXXX ) for {$71.00} ( one month service fee ). I had disputed with the other two credit bureaus and both removed the collections. However, Equifax is being impossible. I submitted my first dispute XX/XX/XXXX explaining the whole situation and lost it. I submitted my second dispute XX/XX/XXXX explaining the whole situation again and even included my bank statement from XX/XX/XXXX providing proof that this balance was paid. I just checked the status, and again lost the dispute.
I applied for a XXXX  XXXX credit card I received a denial letter. The reason they stated twice on each one is incorrect. I am uploading the denial letter. The one reason they state is delinquent past or present obligations. There are 3 accounts on my XXXX credit report that do not belong on there. I have disputed these accounts several times. One account XXXX  XXXX XXXX is past the 7 year time barred. The other 2 do not belong on there either. Having this incorrect information is causing me to be denied credit. The other reason they gave is lack of mortgage information. I dont own a house and Im sure there are a number of consumers do not own houses and have a mortgage. I feel this excuse to not issue me a card is inexcusable. I have a 100 percent payment history on all my accounts. After applying for this card dropped my credit score due to the inquiry. I was told I have great approval odds. I am complaining because of the wrong information on my reports is causing me a hardship in obtaining substantial credit.
Chase B ank USA N is repeat edly accepting fraudulent applications for credit cards in my name. Each time Chase Bank accepts a fraudulent application they run a credit card inquiry through  XXXX . Each time they make an inquiry based on the fraudulent application m y credit score g oes down. I have asked them to not accept any more fraudulent applications with my identifiers and asked that they not make any more inquiries on my credit through any reporting agencies. They politely declined my request. I have fraud alerts with all of the reporting agencies but that does not keep Chase Bank from making inquiries.
I inquired online to see if I qualified for a loan with their company using my car title as collateral, which I did but decided I didn't want risk my car so I never picked up the check to cash it. Now they are calling threatening to do all sorts or unsavory things to me
I am a long time holder of a Chase XXXX card ending in XXXX. I was required to get a new card. My credit limit was basically cut in half. I got shuffled around the call centers and finally got a supervisor XXXX. It should be noted the new card and bills had been sent to the wrong address. XXXX who stated she did a " review ''. XXXX stated she would close the card because of reports on charge offs and some items that were supposedly charged off on my card. I stated that when customer service had told me of a past due balance on my XXXX. I paid it immediately by my checking account over the phone. That I was part of a special program that was working with my creditors to settle and pay my debt. I asked to speak to another supervisor to reverse the decision and reopen my XXXX card ending in XXXX. Several days later a XXXX  who identified himself as a supervisor from Chase credit. He belittled me over the fact that I was using negotiators to settle my debt and the XXXX card would remain closed. As a point of two facts, one some of the credit card companies had contacted me some time ago to settle the credit cards. Why was ok for the credit card companies to negotiate settlements and not me. Second fact is that settlement of debt is legitimate and is an alternative used by many professionals, business people and even companies themselves. I was treated by XXXX and XXXX as a mere line item on a credit score. I am human and a business person, my credit has not always be perfect. However I proactively took steps to eliminate my debt.
I 've received multiple calls, I believe 5 in total, about my husband 's private student loans, which he acquired long before we were married and I 'm not a cosigner on any of these loans. In fact, my personal cellphone, name or any other information is not listed anywhere on loan contracts or other paper work, ie. collection notices. First time I received a call fro m Constar Financial Services , I was very confused how they acquired my phone number and why am I even receiving this call. I asked them not to contact me again. Unfortunately, received several more calls in the next few months.
Experian, XXXX  and XXXX  have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.
Wells Fargo used scare tactics and unprofessional & unhelpful advice re : underwater mortgage. I am XXXX and can not afford current payments.
XXXX XXXX ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
On Sunday, XX/XX/XXXX, I attempted to use my Bank of America debit card at a local restaurant. The merchant informed me that my card was declined. In disbelief, because I knew what my account balance was, I called the banks customer service. After being on hold for over 30 mins, no satisfactory solution was provided. I was told that my card is marked as " expired '' in their system, despite my card being valid in accordance with the expiration date on the physical card. The representative acknowledged in the recorded phone call that they do n't know what the problem is. All they could tell me at this point was to wait for a replacement card in the mail, which could take over a week. I was very disappointed and upset and there was no manager available to fix my issue. I requested for a manager to call me as soon as possible. Apparently Bank of America does n't value their customers enough to even call them back when they are suffering from a circumstance that is a fault of the bank and not the consumer. No recompense has been provided so far. I made a fool of myself with the local restaurant. I would like for Bank of America to provide recompense for my troubles and embarrassment.
i went to deposit my checks on XXXX/XXXX/2016 .The teller informed me the checks were on a 15 day hold because they were from out of town. i informed here XXXX was a gemeral motors penison check and i have been banking here for over 25 years. teller stated she would have to get her boss ( supervisior XXXX refused to give me her last name ) her supvisior informed me i had too many bounched checks but i tried to explain to her if she put the checks into the bank i wouldnt have bounced and she informed me if i took care\ of my finances i wouldnt have bounced checks. i work with the public and if i talked to a customer like she did i wouldnt have a job. i am so upset i am changing banks after 25 years she dosnt know why my finances are perfect or why occ i have a bounched checks thank you
I was doing a general search online and discovered a judgement against me in  XXXX  County that I was never aware of.   The suit gave them a default win because I was not present to defend myself because I was not aware of it. The court date was  XXXX / XXXX / 2017
I have attempted to use IBR to payback loans through UHEAA and I have been unable to access my XXXX loan servicing. Each time I attempt to contact them when the loan is due they have a reason for why I can not access the system. 

I have worked publicly, very publicly, for the XXXX XXXX since XX/XX/2011. I have been unable to actually receive just compensation for my time and ideas. I have served this country in various offices across the land. I do not think it is fair that because I have had some XXXX XXXX breakdowns due to the sheer magnitude of this countries problems that my law school debt has increased almost XXXX. 

It was my assumption under FCRA guidelines that loans are to be forgiven for inaccuracies and health conditions. I do not owe UHEA or XXXX anything because I am XXXX XXXX. An actual XXXX   of this country and this land. I should have never had to pay a dime. 

It is not my fault that XXXX XXXX XXXX and all those connected to him are trash individuals that refused to properly obey the law or respect women. I should not be associated with them and their past violent acts against women. It is categorically unfair to be named a XXXX. and still be responsible for the sins of forefathers you have never really met, nor wanted to meet.
I originally filed a complaint to the FTC on XXXX/XXXX/15. On XXXX/XXXX/15 I called FTC to check on status of complaint and they referred me to you. Repeated phone calls started on XXXX/XXXX/15. As of today, XXXX/XXXX/15, I have received XXXX ( XXXX ) calls for someone I do not know. I answered the first XXXX calls stating " no one here by that name at this number, nor do I know that person, please do not call again ''. Finally I decided not to answer the calls, I just directed them to my voicemail, no messages left. 

I have had this phone number for over five ( 5 ) years. It is a registered " Do Not Call '' number.
XXXX XXXX XXXX say that I owe them XXXX places on XX/XX/2016 for a dept from XXXX   XXXX. I never owed XXXX XXXX for that amount and when I tried talking to them they would never tell me what the dept was for and how it came about.
XXXX2014 -- -- - {$490.00}. reported on my credit report. told them this in not mine.
Received free credit report from Experian. XXXX unauthorized charges appeared on my credit card.
To Whom It May Concern, Recently I learned some very disturbing information regarding my mortgage. I discovered this information because I am trying to avoid foreclosure. For the better part of this year, I learned that the entity attempting to foreclose on my home, is most likely without authorization to do so. As a result of that, I ordered a Property Securitization Analysis Report and I learned things were definitely not done according to the statutory foreclosure laws in the State of California. As a result of further research, I learned that the right to rescind my loan transaction was still available to me due to the fact that my loan transaction has never consummated pursuant to California Code of Civil Procedure section 1550. On XXXX XXXX, 2015 I took the first step in rescinding my loan by sending a letter of rescission to my servicer, Caliber Home Loans. Caliber Home Loans received the letter on XXXX XXXX, 2015. Pursuant to the Federal Truth In Lending Act, Caliber and/or the creditor was suppose to file a lawsuit against me within 20 days of the receipt of the letter and/or take the necessary steps to release and/or reconvey the deed of trust. They have failed to take any action to be in compliance with the Federal Truth in Lending Act. On XXXX XXXX, 2015, I mailed to Caliber a Notice of Non-Compliance, they have still yet to comply and they are attempting to foreclose on a deed of trust that has been canceled by operation of law. I do not understand how they can attempt to foreclose on a deed of trust that is null and void and yet blatantly disregard the law. I filed a complaint back in XXXX on another issue and I do not know what transpired on that complaint. I am filing this complaint with the Consumer Financial Protection Bureau because there is a clear violation of law and I hope that you can assist in this matter. It appears Caliber Home Loans will not adhere to the guidelines and laws that are set out before them unless there is a higher intervention. Violation of federal law simply can not be ignored. Your assistance would be greatly appreciated.
I've recently checked my credit report and seen that I had four separate hard inquiries from the same creditor for a personal loan. I have sent a removal dispute letter to the creditor and have not received a response or any result on my credit report. 

ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX
I paid as agreed and they are charging me for a vehicle I was not at fault in an accident they are ruining m y credit score bec ause they know I am coming into some money where they are insured themselves, and their corporate office is taking advantage of my military, and veteran status as well.
this company by the name of XXXX XXXX ran my credit report without my authorization.i dont recall applying for credit from them.I demand that Transunion removes the hard inquiry immediately from my credit report.
I had paid off this acount and close it back in 2015 with XXXX balance. But on my credit report, they have reported that Im owning them {$600.00}. I have requested all the transactions to the last transaction before I closed my account, they never provided it to me instead they have sold the debt to a third party and refused to talk to me.
I was excited to get my car however I used my used car XXXX which was worth {$8000.00} as trade the people at the dealer called ally bank and ally bank XXXX additional monies that the car which I have should be paid off as of XXXX instead of XX/XX/XXXX this is unfair and I never received a receipt from themeach time a payment was taken from my account.
I specifically instructed the debt collector to cease contact with me, and they have continued to send me harrassaing letters demanding money from me that I do not owe to them. I have no business with Unique Management Services, and I have told them this.
On XX/XX/2018 as a perspective funding source for XXXX XXXX for a personal loan I had requested, XXXX XXXX requested and received a credit report on my person ( XXXX XXXX ) from Trans Union. Trans Union reported to XXXX XXXX  that my credit score was XXXX. When I pulled my report from XXXX XXXX shortly after seeing this information I then checked my score and it showed XXXX, I immediately informed XXXX XXXX that the score given to XXXX XXXX was erroneous. 

Fortunately the persons handling my loan documents took that data in consideration. But you can believe that the amount of interest I was offered on my load is much higher.
In XXXX of 2018 I took out a {$500.00} loan with Money Lion. The loan agreement I signed said that I would be paying back {$19.00} biweekly. Since then I have kept up with every single loan payment as agreed to. 

However, Since XX/XX/2018 I have also been charged {$36.00} biweekly for a " membership '' fee. A membership that I neither knew about or signed up for. Multiple times I spoke with money lion in regards to refunding my money and stopping this fee, but they would not. My bank had to block them from charging the {$36.00} and only allow them to charge the {$19.00} loan payment, because I do want to pay back my obligation. 

My bank attempted to recover approx. {$800.00} that money lion has taken from me in the form of " membership '' fees. But they were not because MoneyLion provided them " proof '' that I signed a membership agreement. This agreement contains no actual signature just my typed name and a date. It does not even include a time or IP stamp to validate that I actually signed this. And the reason it doesn't, is because I never signed a membership agreement. None of my loan paperwork references this agreement. Moneylion just takes it out of your account by surprise.

I would like either proof I personally signed this agreement or my money refunded.
Please see company response as said facts : Based upon the supporting documentation XXXX XXXX provided in his fourth complaint with your office, XXXX XXXX XXXX disputes the address and drivers license state associated with the claim dated XX/XX/2013 listed on his XXXX XXXX Auto report. Please be aware that the drivers license listed on a claim refers to the drivers license number at the time the claim was made. In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a new dispute of the claim mentioned above. During the investigation, XXXX XXXX XXXX confirmed that the address for the reported claim XXXX XXXX XXXX, XXXX XXXX, XXXX is accurately associated with both XXXX XXXX and with the claim in question. Further, while XXXX XXXX has indeed provided a copy of his current XXXX XXXX State drivers license, XXXX XXXX XXXX confirmed that XXXX XXXX previously resided in XXXX XXXX and insured a XXXX XXXX on a policy they underwrote at the time of the claim in question. Given this verification, LexisNexis is unable to remove the claim in question from XXXX XXXX XXXX XXXX Auto report. If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis XXXX