WillisBack/dataset-financial-user-claim huggingface dataset:
Advance America Number XXXX made 2 ach deductions on my checking account using check number XXXX dated XX/XX/XXXX in the amount of XXXX and they made another attempt on XX/XX/XXXX in the amount of XXXX. 

Also on XX/XX/XXXX I received a call from the manager XXXX about coming in to pay on this same check that they made 2 attempts on or he said that he was going to deposit the check that is in his office. I said I do n't have the money because I wo n't be receiving my payroll on the XXXX and because of the holiday, I will not get my payroll until the XXXX of XXXX. 

I went in to the office and paid the interest of XXXX ( which I incurred another fee of XXXX plus XXXX. ) Because of what is happening with Advance America, I am going to my bank and will have to close my account to prevent them from taking the funds out of my office, and if funds are not available, I will get a charge of {$37.00} which they have caused. 

I am not going to conduct business with Advance America anymore. 

I saw on my bank statement that the attempts were made, not successful, thus causing my to have nsf fees.
I have gone online to pay a parking ticket which was the amount of {$160.00}, paid with credit card on  XXXX   XXXX ,  2017 . Payment went through and since I was unable to print the confirmation page I have taken screenshots of the confirmation page and the printer friendly version of the page for documentation.   XXXX  Today is  XXXX   XXXX ,  2017 . I have received a notification from  Transworld Systems Inc. stating that the unpaid amount of {$160.00} have been carried over to their Debt Collection department. I have called Transworld Systems, but was left with me badly recorded machine that was incomprehensible or at leas t seem to not have given me the option to call for a complaint. On the back of the letter provided a website for transworld payments and website for  FTC ( Federal Trade Commission )  in which I had looked up for it 's contact information and called Headquarters. There a machine came on and guided me to call another number to resolve this issue and was lead here to write this complaint.
I have attempted to apply for a short sale and was advised by PNC ( The Servicer ) that the file has been reviewed too many times during this delinquency cycle. That my only options are to bring my account current or sell property outright to cover everything owed to the bank. That once I bring my account current that I can then file for a short sale. 

If I could bring the account current, I would keep the home. Is n't the whole point of a short sale is to allow the home owner to leave gracefully from the property when we can not afford to keep the home and to avoid foreclosure?? 

My loan is owned by XXXX XXXX and per FHLMC I am allowed to be reviewed for a short sale - and possibly even a streamline short sale.
I was so surprised when looking over my credit report and found a late payment in XX/XX/2018. 
I don't even know how this happened. I believe I always made my payments to you when I received my statements. My only thought is that my statement didn't get to me.
I received a notification today that a collection was added to my credit report in the amount of {$520.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
XXXX/XXXX/15 I was a victim of a IRS scam, some XXXX called me and I fall for it and purchased the prepaid cards XXXX it and them the numbers of the XXXX prepaid cards, an around two hours later I realized it was a scam so I called the number in the back of the cards, a CSR inform me the the money was on the cards and she ( XXXX ) was putting a stop on the cards. I was happy as thinking did n't loose my money and everything was fine just like she said, also she give me a ITS number of the claim and explain the it will take XXXX to XXXX business day to send me a check, I explain the situation and ask her if she was sure the sto payment was done because this was a time sensitive situation and she said yes. Week latter I called the company to seek the status of my claim and the inform me they only put a stop on XXXX cards and the XXXX of them were redeem, they only can return the money on those cards and the rest was lost because the cards area like cash, I did understand that but when I called them the money was there and they supposedly put a stop, if they would it told that the stop would take time, I could redeem the cards my self and get my money back but the make me believe that my money was save and I believe them because after searched their name it seem like a legitimate company. The are regulated by the federal government, and license from XXXX XXXX XXXX XXXX XXXX XXXX FDIC. I feel the this company is as guilty as the people how called me, or more because they deliberated did n't inform me of the time a stop would take, on the other hand the make me believe the money was save and everything was fine that I should just wait for my money to come in the mail.
My brother XXXX XXXX called me stating a male debt collector called trying to verify my information over the phone. My brother told him he had the wrong number, that they were trying to reach me, his sister XXXX XXXX, not his wife, who is also named XXXX XXXX. The debt collector then proceeded to report my specific account information to my brother XXXX credit card name, amount in collections, etc. ) and gave him the return number and extension to contact.
there is a XXXX account that is showing on my credit along with he address of XXXX XXXX XXXX XXXX, ct XXXX, As well as a XXXX CT Gas bill with a balance of {$800.00} thats reporting late that are not all mine. This item has been disputed with experian several times. asking for proof into this matter and this account being mine. Also for the account to be deleted and they refuse to delete as well as provide any proof on these accounts that they are reporting on my credit. these accounts are damaging my credit & I 'm currently wanting to purchase a home.
My bank account was tied to my XXXX. My XXXX was hacked. We watched it as it happened, quickly contacted both XXXX and USAA. XXXX was able to place a stop and lock the account. USAA swore there was a stop payment in place. Two days later, {$610.00} clears our account from the fraudulent activity on XXXX. XXXX different USAA reps gave conflicting information. I was told we could have the money back in 3-5 business days. My husband was told several weeks. I was also guaranteed no checks were pending. Turns out my rent check was, I transferred funds to cover it after the fraud but USAA had already returned it, causing me more trouble. There was never a stop payment put on my account. Ever. This is ridiculous. And now I have to wait weeks to get that money back because they lied. Now I 've got to pay over {$100.00} extra to my landlord and look bad because USAA failed me. I was ASSURED that a stop payment was in place and not a dime would come out. Now I 'm left stranded and sinking because they lied, and are dragging their feet.
XXXX nissen altima was fininaced in XXXX with XXXX it was paid in full XXXX titles was released and sent to me traded the car in XXXX and purchased a XXXX dodge thru XXXX, the amount of {$1000.00} was put on my credit XXXX if it was not paid in full the titles would not have been released, i am deputing that {$1000.00} amount on my credit, please remove it.
On this current account I have inaccurate information that can not be verified and I have a question documentation to verify this information. On this account I have unverified late payments during this time the account was in forbearance and there should not be any late payments. I have called to request a forbearance to avoid any form of late payment due to the fact I was continuing education with this particular loan service. According to several agents the individual who took the information did not update the information or did not process the information and result causing derogatory late payments on the account. I have requested the original contract of this account on three different occasions and have yet to receive anything. And if there is indeed late payments I am requesting the original signed contract with my original signature agreeing to these practices. If none of this information can not be provided I request that the unverified late payments to be updated to positive & current.
On XX/XX/2018 Coinbase charged my account {$300.00}. I did not authorize this charge, in fact I have not logged into my Coinbase account since XX/XX/XXXX. There is no record of this transaction on my Coinbase account, and they never answer support calls or respond to emails. Coinbase is placing fraudulent charges on my debit card and is ignoring my attempts to resolve this issue with them directly. Additionally, they are blaming XXXX for this issue but XXXX has publicly said that the issue is not on their end.
XXXX XXXX has made a bogus charge on my closed credit card, as it has been closed since XX/XX/2018. In making this fraudulent charge of {$120.00}, XXXX XXXX has been insinuating in written responses that I have been using its " provisional credit. " but has not outright claimed it was this product. Originally, XXXX XXXX has been trying to steal my refund of {$110.00} where upon it did send. I only see this amount, {$110.00}, as hidden this in charge of {$120.00}. The bank is trying to change form of original charge of {$120.00} to look like similar refund part of {$120.00}. The bank has also deliberately reported wrong {$8.00} as myself having them this amount when, in fact, the bank itself paid me this amount and the bank went on to report it to the credit bureaus, even though I did provide XXXX XXXX photocopies of refund on both sides. This original billing error of {$110.00} is only the same as the increased {$120.00}, so this prompted filing another billing error notice to XXXX XXXX on XX/XX/2018.
Our XXXX XXXX Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX XXXX XXXX had a security breach where someone got into our XXXX XXXX  checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This XXXX XXXX Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that XXXX XXXX ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.
I had a transaction with Remitly last XXXX XXXX amount {$2500.00} USD via express delivery and it should only take 10 minutes but I waited for 12 hours- 24hours to 3 days and more but was n't able to send the money to my recipient. They emailed me XXXX XXXX saying they 're taking a second look at my transaction after asking for inquiry why it takes a long time. After 12 hours of waiting, I decided to cancel my transaction and received an email confirmation " The charge to my card was voided and will be reflected in my account balance by the end of the day ''. So I waited but my refund was not reflected back to my account balance. XXXX XXXX I spoke to customer service of my " bank '' and stated they are waiting for the receipt of cancellation from Remitly so I can get my refund back to my account balance. Right after my conversation with my bank I called and emailed Remitly and they are asking for the ff : details ( name of bank, bank 's email, name of bank contact person/department ) I emailed back that I do n't know and it 's not my job to send the " Authorization Hold Removal request from my bank in order for them to release the pending charge. '' This is very disappointing because I have the right to cancel my transaction and refund back my money as I do need it immediately. I tried my best to get in touch with them and do my work but still, I do n't know what 's going on and they 're not giving the right customer services. Thank you so much.
I filed a proper dispute with TransUnion on XXXX XXXX XXXX XXXX reported judgments that were never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I disputed XXXX XXXX XXXX XXXX judgments with TransUnion, sent Certified Mail on XXXX/XXXX/2015, on the grounds just stated. XXXX received my dispute on XXXX/XXXX/2015 according to USPS tracking information. 

My dispute results are dated XXXX/XXXX/2015 where TransUnion states that the results for the judgments are : 1. ) XXXX XXXX XXXX XXXX judgments were deleted 2. ) The remaining item has been updated with new information. 

As there is no such judgment of record XXXX from this Court for this date for this amount from this creditor, I requested the method of verification from TransUnion on XXXX/XXXX/2015 and they received it via USPS Certified Mail on XXXX/XXXX/2015. 

TransUnion failed to respond to my request on the manner of verification so I could address it with the Court XXXX. I sent a subsequent request, on XXXX/XXXX/2015 via USPS certified mail which was received on XXXX/XXXX/2015, requesting deletion of the inaccurate data from my credit report and noting their FCRA violations. 

TransUnion responded on XXXX/XXXX/2015 that my dispute was frivolous and they will not reinvestigate. 

I have checked with my XXXX XXXX XXXX XXXX Court, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me ( proof is attached here ). In my dispute letter, I asked TransUnion to provide Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the XXXX XXXX Court has no way of verifying the " non-existence '' of a recorded document. 

It is clear that TransUnion has not properly investigated this matter within three ( 3 ) short days that it took to read my dispute letter and update my credit file. 

Please note, The XXXX XXXX XXXX XXXX XXXX Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc ) XXXX. Attached is a printout of the public records system that XXXX XXXX uses to record these documents. Note that this is NOT a list of case files, but actual public records with recorded instrument numbers. 

I have also included a printout from the XXXX XXXX website which shows that this website used to search XXXX XXXX public records XXXX is the valid source to find these documents. 

This list shows all of the public records that exist in my name XXXX, none of which is this ( 1 ) judgment being reported in my credit file. I have also included the letter originally sent to Transunion, the credit report with disputed judgments circled, the USPS tracking showing the timeframe between the dispute being received and the results being sent, and the results of the TransUnion dispute. Please have this judgment removed.
XXXX XXXX, XXXX and Experian have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}
One of my client needs to do a background check on me in order to allow me to work on their project. I have " credit freeze '' from all 3 credit bureaus ( XXXX, XXXX, and Experian ). When I freeze my credit, I meticulously double-checked, triple-checked my passwords and PIN provided by the bureaus. And for years, I have never had any problem thawing my credit online with XXXX and XXXX. However, this time, my client uses Experian and over-and-over again ( over 1 month ), Experian will not allow me to thaw my credit using their online request and require me to mail in the request. Hence, the start of the problem. XX/XX/XXXX I mailed the request to thaw my credit for 14 days to Experian. Their form only allows me to specify XXXX days, but not which date the thaw should begin or end. I never had to use snail-mail to lift my credit with XXXX or XXXX so I expected Experian to get back to me to ask me for the beginning date once they receive my mail. Well that did n't happen. XX/XX/XXXX Experian sent me a letter stating that my credit freeze was lifted " ... .for the time frame ( 14 days?!?!? ) you selected. '' Their letter was dated XX/XX/XXXX with no post-mark date and it was NOT received by me until XX/XX/XXXX. See attached file.
So if Experian lifted the freeze starting XX/XX/XXXX, which I suspected they did at that specific date. Then, that means I ( or my client ) have until XX/XX/XXXX ( next Wednesday ) to check my credit report. Since I ca n't respond to my client until XX/XX/XXXX and over the weekend. This means that I ( or my client ) have until next Wednesday to check my credit before it is " freeze '' again. Knowing the corporate-culture of my client, a XXXX company, it is not reasonable to expect their employees to put my case as the top priority when they are handling hundreds of other credit check cases. That 's why I put in a 14-day period, but what I got was a 3-day period of " thaw '' due to Experian 's inadequate form and slow processing time. So herein lies the problem : 1. Why Experian did not allow for online " thaw '' of my credit? I am positive that I have filled in the correction information, but received messages stating that my request ca n't be verified and therefore, I have to mail in my request. 2. The mail in form did not state the " starting '' and/or " ending '' dates of my request. How I am ( or other consumers ) to judge or know when they will receive U.S. Post Office mail and process my request on what date? My letter was mailed on XX/XX/XXXX, they stated it was processed on XX/XX/XXXX, and I did n't receive their letter until XX/XX/XXXX. Is n't this a big problem? I would not want to lift my credit freeze longer than necessary or it would defeat the purpose. So I put in 14 days and that looks like it is not enough. This is ridiculous. I hope CFPB can do something about this. Sincerely, XXXX XXXX XXXX XXXX
I work for the Consumer Financial Protection Bureau and by law ca n't have my phone for privacy reasons so it is left at home. I got home and immediately scheduled my payment. It indicated it would not post until XX/XX/XXXX and was due XX/XX/XXXX. I was devastated. I immediately called and spoke with XXXX and he stated he could not process on the XX/XX/XXXX since it was after XXXX XXXX EST ( XXXX EST ). I asked to speak with a supervisor and he connected me with XXXX (? ). He told me he could n't accommodate me. I asked to speak with his supervisor and was advised I would be able to speak with her in 24-48 hours. I have been a card holder since XX/XX/XXXX and have never been late. My payments have either been early or on time. I advised I had the same issue with XXXX credit card and they were understanding and accommodating.
Goldberg and Peretti have called my in laws multiple times this week stating that they were a law firm and that they were trying to contact me in regard to pending litigation they were about to file. After calling and requesting documentation of this alleged debt they refused to provide any documentation or any further information on the debt. They said they had attempted to serve me with a lawsuit but had been unsuccessful. Said they would have a supervisor call me back. I gave them my cell phone to call back and instructed them not to contact my inlaws further. They have called 6 times in 3 days to my in laws. Will not answer my calls and have not attempted to call me back directly. Threatening, misrepresenting themselves as a law firm, repeated calling and refusing to provide any documentation or information. these people are obviously agressively attempting to rip off a lot of people based on the all complaints I 've read so far. Please instruct them to cease and desist any and all further contact.
I disputed a XXXX XXXX account that doesn't belong to me account number ending in. XXXX and I received a letter from XXXX on my current account for fraud investigation. Experian investigated the wrong account.
I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The XXXX XXXX XXXX company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was hit over XXXX points. I tried to call XXXX, but they would only say they have no information and I need to connect with their collection department.
In XXXX, I initiated a rental agreement with the Homeowner to utilize the backyard for a community garden project in the XXXX of XXXX. XXXX, I began renting the home from the Homeowner on a month to month basis with the common interest of making needed repairs on the property. XXXX XXXX, I was contact by the Homeowner that the property was in foreclosure which was owned by XXXX Bank at the time. In early XXXX, the property was auctioned off to XXXX XXXX. In late XXXX, I attempted to purchase the home from XXXX XXXX and was denied a mortgage. In XXXX, my son, XXXX XXXX who is a veteran, attempted to purchase the home along with his wife and he was told that he did not have sufficient income and he was not approved. He had sufficient income and sound credit when he applied. Eviction proceedings were initiated at that time. Late XXXX, I gave a check in eviction court to XXXX XXXX for the amount of {$80000.00} certified funds and I was told in court that the price was {$390000.00} and that my offer would not be granted. After that court hearing, I had the property appraised showing that the property was only valued at {$70000.00}. My offer was for {$80000.00}, {$10000.00} more than what the property was appraised at the time. The property was then listed on HUBZU.com for {$85000.00}. I have submitted offers to at minimum XXXX auctions on line, I have remained the highest bidder in the last several auctions and my offer has yet to be accepted. At this point, the lender seeks to evict me and my family from the property. I live in the home with my XXXX year old mother who is a recent XXXX and I have made every effort to remain in place and satisfy the debt of the lender who refuses to work with me on any resolution. 
There has been significant confusion of who OWNS the property and who can accept or reject my offers to keep the home. The property located directly north of the home was sold for {$71000.00} which further demonstrates that this property is not worth the requested {$390000.00} of the lender. 
The appraisal of the property cost {$300.00} to verify that all information stated is true and verified.