WillisBack/dataset-financial-user-claim huggingface dataset:
I received numerous calls and letters, and also checked my credit report. Common Wealth Finacial XXXX XXXX, XXXX P.A. XXXX has been harassing me saying, that I have 2 open accounts first they said it was for my son, then they said it was for me all the sudden. they said it was for emergency room visit, I have FULL COVERAGE INSURANCE, and did not visit the emergency room at all. for the amount ( s ) of {$150.00} and the other for XXXX
I initiated a withdrawal on XX/XX/XXXX from Coinbase Inc. I  received an email once I made my withdrawal, saying : " On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$640.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$640.00} will arrive in your bank account by XX/XX/XXXX. 

Withdrawal reference : XXXX '' The money did not show up on the XX/XX/XXXX. I called my bank asking if there were any pending deposits, and they said there was not. 

I contacted Coinbase support on XX/XX/XXXX via email. I send an email the the addresses XXXX,  XXXX, and XXXX. Turns out I mistyped wiresupport, and the email address is XXXXXXXXXXXX. However, the other emails were valid. In response to this I received an auto generated message saying my report was received. 


No worries, I corrected that and send another email on XX/XX/XXXX to the addresses XXXX, XXXX. This is what I put : " 'On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$640.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$640.00} will arrive in your bank account by XX/XX/XXXX. 

Reference number is : XXXX ' I typically send money to my savings account, but this time I sent it to my checking account ( ending in XXXX ). I called XXXX XXXX and they said that should n't be a problem and the wire should still go through. 

Please resolve this. {$650.00} may not seem like it 's a lot but it 's a lot to me .... : ( " Turns out XXXX is not a valid email either. Since then I have not received anything besides an automated response from Coinbase with nothing in regards to this. Just a typical Coinbase auto email.
Navient has made several attempts to get information from my employer. They have called my office line, my company and have mailed requests to the company requesting that they disclose personal information about me and my employment. My company has a policy to request my authorization before releasing such info so I do not believe they disclosed. Navient should not be phishing and making attempts to acquire information about me through my employer.
I believe I am on the XXXX. mort. co., in other words it has been sold twice. The current alleged owner has hired a bill collector, a so called mort. servicing corp. to manage my mort.. I have been waiting since XXXX/XXXX/2015 for the former mort. co. to sign my insurance claim check over to me. I finally received an insurance check made out to me & the former mort. co. with a signature on it. I do n't know if I can deposit it or not but I will find out tomorrow. I think they want me to endorse it & send it to them which I am not going to do. To put it bluntly, I do n't trust them. If I sign it & send it to them, I will never see it again & I will loose control over my payment. Also, I have asked for but not received credible documentation that this new company does in fact own my mort. nor that this so called mort. servicing co. is authorized to receive my payments. They want me to make my checks payable to them ( the bill collector ) & they do n't even hold the note. I have to wonder if either of them are licensed to do business in S.C..
Hello - I have XXXX private student loans through Navient, which were originally XXXX XXXX loans. I have had these loans prior to XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX through XX/XX/XXXX I was enrolled more than half time in a law school program and from XX/XX/XXXX-XX/XX/XXXX I was enrolled in an LLM program more than half time which I am still enrolled in to this day. I received a bill from Navient last month stating that my in school deferment had ended on my loan, as the in school deferment option had ended on my loan and that the loan documents stated that there was only a 2 year period of in school deferment. This is odd, because I obviously have exceeded the 2 year in school deferment from XX/XX/XXXX-XX/XX/XXXX. When I called to discuss this option I was informed of this and was treated rudely, even when I asked why this provision was being enforced now? I asked to see my loan documents to see if this provision was included in the loan documents and was told that this provision existed and that my loans were audited and that it was revealed that my two year period had expired.
Jaguar Credit is listing inaccurate information on my XXXX & XXXX Credit Reports. I have written to the credit reporting agencies in an effort to resolve this inaccurate reporting information, but with no success ( Exhibit # XXXX ). Jaguar Credit was listed in my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2012 ( Exhibit # XXXX ). Jaguar Credit is in violation of federal law and the Fair Credit Reporting Act.
Letters and phone calls continue to be received from Harris & Harris of Illinois , Ltd, attempting to collect a debt of {$590.00} from XXXX. The debt has already been paid, yet we continue to receive letters & phone calls from Harris & Harris.
I dispute XXXX XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX XXXX account. I am requesting that this item is deleted on my credit report.
To whom  it may concern, I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries on my Equifax report,  XXXX  hard inquiries on my   XXXX    report and  XXXX  hard inquiries on my   XXXX   report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
RE : Complaint against Wells Fargo Home owner in Texas and my house was destroyed in hurricane XXXX. I did not have flood insurance and was forced to get an SBA Loan to cover the costs to repair my home. Wells Fargo had set up a disaster and recovery dept. specifically designed to help people like myself in need of these recent XXXX disasters, but have hindered every effort thus far. The Wells Fargo case manager, XXXX XXXX was first placed on my case but never communicated with me. Once I informed Wells Fargo I had heard nothing from this XXXX another representative by the name of XXXX XXXX was put in charge of my case. XXXX XXXX informed me per recorded line that I had to fax certain docs and 2-3 days later this whole process would be completed. The docs were faxed on XX/XX/XXXX at XXXX ( time stamped receipts to prove time/date ) and the " 2-3 '' day deadline would have been XX/XX/XXXX or XXXX. Meanwhile, we have no walls on the first floor of our home and its been freezing temperatures. I have been calling Wells Fargo and pleading every day this week to please provide feed back. I then find out that the case has now been given to yet another representative, XXXX XXXX. It is day 6 and I 've been calling every day with a guarantee " per recorded line '' that this XXXX would contact me but still nothing ; no phone calls, emails, or postal mail. The ridiculous sad part about all of this is that Wells Fargo only has to fill out 1 piece of paper for the me to close on my SBA Loan. Wells Fargo is refusing to return my calls or provide me with this 1 piece of paper. Seeking legal counsel is no problem, however, I should not have to. We 're talking 1 piece of paper here and I have been waiting nearly a month for it. 

Thank you
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, Equifax, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, Equifax and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
My credit score with TransUnion was XXXX and then with no reason, TransUnion tanked it by XXXX points. The other XXXX credit reporting agency are showing my credit score to be XXXX and XXXX, respectively. TransUnion refuses to give me any reason for doing this. I want to know why they are destroying my life.
Hello, I am a customer with Bank of America since XX/XX/XXXX. 

All the following checks are from my credit union account to my Bank of America account. 

precursor : XX/XX/XXXX, I used the mobile app to deposit a check of {$500.00} or so successfully. Later on that month, I attempted to use the same mobile app to deposit a XXXX check in the amount of {$10000.00} to the same account. The mobile app advised me that that there was a limit of {$10000.00} deposited into an account per month. I deposited a XXXX check of {$1000.00} into the account, to pay bills. 

SInce, I had a second account also at Bank of America, I tried to deposit the {$10000.00} check into that account. Due to poor foresight on my part, I only had {$9500.00} remaining in my Credit Union account ( after the {$1000.00} check cleared ). Thus the {$10000.00} check bounced due to in sufficient funds. Ok, my fault, both financial institutions charged me their fees. 

Now in XX/XX/XXXX : I made sure I had sufficient funds in my Credit Union account and wrote myself a check for {$9000.00} and deposited it into Bank of America on XX/XX/XXXX using the mobile app on Android. 

On XX/XX/XXXX, I find that there is a Hold placed on my deposit at BofA and the hold will clear only on XXXX. Huh, are we back in the dark ages? 

On XX/XX/XXXX morning, I go to my credit Union and I find that BofA has not yet presented the check to them to be cashed. On XXXX XXXX evening, I find that the funds have been withdrawn from my credit union account. I verify on XX/XX/XXXX night as well as XXXX morning that the Bank of America has not yet credited my account for the {$9000.00}. I have an online chat with BofA representative and am told that the hold will clear on XX/XX/XXXX. This is harassment by Bank of America, they have the funds and are taking an interest free hold till XX/XX/XXXX, and I do not have access to my own monies. 

Please help.
XX/XX/XXXX, an illegally anonymous individual at US Bank falsfied claims about a single {$330.00} check normally endorsed and deposited, processed 1x per the customer who provided copies of both sides of the check, and involved a business protected by the debt collections laws as a strategy the bank staff are not familiar with, who were served with a Cease and Desist almost the same day, and went on for {$15000.00} in damage infliction with mail fraud, wire fraud, accounting fraud, bank fraud, blocking the use of their names, sending anonymous letters from other states US Bank offices with return addresses in IL, and moving on to falsified claims about US mail addresses for another 5 months after this was shut down on CFPB, as persons continuing to claim that they can resurrect their not nuisance filing at this level of malevolent damage infliction meeting IL criteria for XXXX by the bank employee ( s ) personally, demanding their victims " live in the poverty '' like a XXXX. The bank sent out completely different false claims to every mediator, and openly conducted this dispute they refused to drop formally even via CFPB when they did for the criminal purpose of stalking the victim and inflicting severe egregious damage infliction while hiding names and sending junk from out of state calculating they can get away with it. It is necessary to forcibly expose them and shut them down now XX/XX/XXXX.
I am getting calls from XXXX XXXX at XXXX. It is possible he is trying to reach my brother, who may or may not have debt. I do not have contact with my brother. I let XXXX XXXX calls go to voicemail.
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
XX/XX/17 Called to ask Navient to increase my monthly direct deposit from the minimum, and to apply the additional funds to the loan with the highest interest. I also asked that any additional payments I make, in addition to the newly increased minimum payment, be applied to that same loan as well. They said this was n't possible because the loans were consolidated. I asked to speak to someone who could help me and was put on hold for 20 minutes. Finally spoke to someone who reiterated that it was n't possible, then reversed course and said the loan with higher interest was not part of the consolidated loans, and that they could do this for me ( online there is no option for me to apply payments to individual loans, it says they are all consolidated ). I reiterated what I wanted, and they had forgotten to add the stipulation that any additional payments be put toward the loan with the higher interest rate. After being put on hold and waiting 5 min or more again, this was finally resolved as well.

I asked that they make this an option online for others, or at least train their customer service reps to identify the steps to help borrowers pay down their highest interest loans first, and was told that " we have to follow FCC guidelines. '' Not sure why this means they ca n't make the process of paying down higher interest loans first easier for borrowers.
In 2017 American Education Services applied my daughter 's payments ( I am the cosigner ) to the wrong loan. Upon receiving notices of delinquency, both my daughter and I repeatedly called AES, and were told that the payments had been corrected and that the notices of delinqency were a mistake. It continued to be a problem, but they continued to tell us that the payments were being correctly applied. Subsequently, the loan was placed in default and sent to collections. Attached are documents clearly showing that the last payment on the loan prior to it being declared in default was made on XX/XX/2017 in the amount of {$130.00}. Also attached is a letter from AES dated XX/XX/2017 stating that the payment is 149 days delinquent, which was clearly not the case. My daughter, and I, again contacted AES, but it was by then placed in default, and they refused to even discuss the matter. Presently, the loan is in collections with a company called XXXX XXXX XXXX.
Suntrust Bank in XXXX, Georgia " apparently '' closed business checking account on or about XX/XX/2018. There was a balance of approximately {$3000.00}. This account belongs to a Collection Agency, specializing in commercial collections. Consequently, 75 % of the funds held DO NOT belong to the company, but belongs to third party clients. 
We have telephoned Suntrust on multiple occasions and NEVER received any information. On XX/XX/2018 a certified letter was written to XXXX XXXX XXXX XXXX, President of Suntrust, sent certified mail, return receipt. The letter was received. As of today, XX/XX/2018 there has been NO response, and no funds received and nothing back to the clients whose funds were deposited.
My account was hacked and a card with my number was used to make unauthorized purchases at a XXXX store, in the amount of {$70.00}, in XXXX, Michigan on XXXX XXXX, 2015. While Citizens Bank credited the unauthorized charge back, they failed to accurately credit my account for finance charges. I paid off all new charges monthly, yet continued to be assessed finance charges. I have had numerous phone conversations with Citizens personnel and written numerous letters. I finally cancelled the account on XXXX XXXX, 2015 due to their poor service. My most recent and final statement contains an erroneous {$11.00} finance charge and an unauthorized charge of {$74.00}. I have written a letter to Citizens identifying these items.
Kinum collections called me at work to inform me of a debt that my spouse owes..Badgered me about my personal life and how I carry out my business, and commented on my character. XXXX XXXX also commented about a recent vacation that my wife went on, telling me that he has also been watching/stalking her XXXX page. 
I find this out of character and unprofessional.
I believe I have Genesis loan from XXXX Colleges and would like to know if they were included in the CFPB settlement. This loan has now been transferred to another servicer XXXX XXXX XXXX XXXX XXXX 
I attended XXXX XXXX in XXXX CA.
Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going Equifax security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!
InXX/XX/XXXX, my XXXX XXXX was repossessed. I recently pulled my credit report to find a negative item from the lender in the amount of {$7200.00}. I sent them a certified letter which was received by them on XX/XX/XXXX requesting copies of all legal documents pertaining to this vehicle purchase and the subsequent repossession. 

Under the laws of the State of Georgia UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

The lender responded with a letter dated XX/XX/XXXX and received by me on XX/XX/XXXX which outlines this event and included some but not ALL of the requested documents. In addition to not sending any of the documents letting me know PRIOR to the repossession that was the manner they were electing to settle the matter, but the subsequent documents dated XX/XX/XXXX and XX/XX/XXXX were sent to an address that I have never resided and furthermore is not listed anywhere on my credit file. The sent no matter of clarification as to where they got this information, nor did they provide for me documents concerning the actual removal of the vehicle. 

The actual repossession incident, the tow truck driver committed a " breach of the peace '' by threatening my elderly Aunt with  having her vehicle towed as well ( the driveway is small and she was parked ) at approximately XXXX XXXX XXXX XXXX. The lender has provided no information concerning the actual removal of the vehicle. 

I spoke with a representative with XXXX and made very clear which documents I was requesting on two separate occasions but attached is all that I received. 

In addition, the request was received by XXXX  on XX/XX/XXXX in which I requested all documents within 14 days. Their letter was postmarked XX/XX/XXXX and I had to call and speak with the agent on XX/XX/XXXX again requesting whatever documentation they had. 

In addition XXXX has posted to my credit reports a balance of {$7200.00}, yet the documents they sent me show a balance of {$6900.00} and they provided no additional documentation explaining the difference in balances. 

I have sent written disputes to all three credit reporting agencies on two separate occassions requesting that that VERIFY this account. In each case the agencies responded saying that the account is correct and valid. Upon reviewing my credit reports today XX/XX/XXXX I noticed that the last activity on this account was XX/XX/XXXX for Equifax, XX/XX/XXXX XXXX, and XXXX   didn't list a last activity date ... which leads me to conclude that these companies in fact DID NOT actually verify or even make a reasonable effort to investigate this account. 

This vehicle was sold to me in a high pressure situation where I was told a different payment and interest rate than what was on the paperwork. In addition I was also told that I had to sign the paperwork b/c the title was already completed and that I was already in breach of contract, as well as I would be able to get a lower rate and payment in 30 days ... at the time I took them at their word, but I obviously now know better.
On three occasion from XXXX XX/XX/2017 I attempted to settle my debt by paying off a smaller amount. XXXXXXXX XXXX refused to negotiate or accept the amount I was offer. I have been out of work for an entire year with a very limited income and the continue to send letters demanding payment.