WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I saw a collection on my credit report from XXXX I contacted the credit bureaus and advised them that I never owned a XXXX card, they investigated and removed the collection. Now XX/XX/XXXX I received a wages garnish judgment from Midland original debtor XXXX. The collection or judgment is not on my report I never received anything to report to court.
Debt collector for portfolio recovery services continues to call my cell phone about someone else 's debt. I told them they have the wrong number. When I asked how they got it they refused to tell me and told me that my friend gave it to them. He never gave them my phone number. They have used automated dialing systems to call my cell phone without consent. When I called to have my number removed the lady was very unprofessional and rude. I asked for a supervisor and she disconnected the call. I told her I needed her to listen to me and she said " not today ''. And asked me why I was calling about someone else 's account - when I was returning the call they left me. I called back and the supervisor refused to give me information about their company such as where they are located and what is their contact information for corporate. I had to ask several times if it was a debt collection agency before he confirmed.
Since XXXX 2017 I 've been trying to resolve a dispute of {$2700.00}. My dispute has gone on deaf ears. I was charged {$2700.00} for a service that I 've never received. The company cancelled my service a couple days before The due date. They responded to the dispute credit card with a Copy of my signature on a contract that clearly stated if my XXXX was canceled by me they would keep {$100.00} of the money. Contract does not state what would happen if the surgeon canceled the XXXX. In my case the surgeon canceled the XXXX service. I did not cancel I was entitled to 100 % refund. Citi has not been helpful in my dispute. I Have sent several emails back-and-forth with the credit card company. including many calls. i was charged {$2700.00} by XXXX XXXX XXXX for a XXXX service that I never received and I 'm still required to pay. The credit card company is not crediting my account for that amount. Very same company named XXXX XXXX XXXX went ahead, without my permission and charge an additional {$100.00} of which I 'm also trying to dispute with the Credit card company and it still shows as processing. So far I 'm disputing two transactions that total {$2800.00}
XXXX is chasing me for a debt I have no idea about. They first made contact in 2015 calling a cell phone they didn't have permission to call. I advised the lady at the time to remove this number from there system as it was against the law for them to call me like this she responded " What do you not pay bills you rack up? We are also not going to stop calling you. '' And called 3 more times later. Fast forward to 3 months ago. I have a different number only 3 months old. They start calling again I advise the lady it is a cell phone. I don't not have any type of business with please place me on your do not call list. She says ok and hangs up. About a month ago I get two calls in one day. Both lady 's tell me because it a vaild number it will not removed from there systems I hang up. Last night I receive another one but, missed it so I call back I tell the lady on the phone again that this is a cell phone number and to please remove my number from your system she asked what my name is I tell her I'm not verifying anything stop calling this number as I have now request 4 times now. That I would be in contact with a lawyer.
I was blocked from enabling external applications to access my checking account at XXXX CST on XX/XX/2018 at the web address XXXX XXXX XXXX
XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX XXXX from my credit report, however, within days XXXX XXXX   was added back to my credit report.
Since XXXX of 2017, Coinbase had sequestered all of my cash in my account and prevented me from accessing it. I had no control over my funds. I could not transfer or withdraw my cash which was not invested in any products. After being neglected for 2 months, Coinbase responded only after I filed a CFPB complaint. The issue has not yet been resolved because {$2500.00} USD is currently being frozen inside the account and I have no access to it. Even the technician  assigned to help my case was unaware of this. By viewing my transaction history, and using an API Key to track transactions, I have proof that {$2500.00} of my money is currently trapped in Coinbase and I need it back. I don't know why it was sequestered and no reason was given, even the technician seemed confused. Unprofessional and negligent, how did Coinbase pass the pre-requisites to handle financial assets? Coinbase does not seem to be capable of handling financial assets.
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
I received notice of an escrow shortage from XXXX XXXX. That letter stated that I had the option to pay the shortage outright by XX/XX/XXXX or to accept a payment increase on XX/XX/XXXX which would ( over time ) correct the shortage. I elected to pay the shortage outright and they received my payment on XX/XX/XXXX. Because the escrow shortage was less than the regular payment amount, they placed the funds in suspense. I sent a secured email ( ref ID XXXX ) through their website on XX/XX/XXXX which informed them that the payment was to cover an escrow shortage. On XX/XX/XXXX I checked the account and LoanCare had misapplied the funds ( as loan curtailment ) so I called and was told that my XXXX payment ( for the increased amount ) would not change. I replied I would pay my regular amount and not the increase because I complied with their instructions and they misapplied the funds. There was similar miscommunication relative to escrow shortage when XXXX assumed servicing for my loan in 2015.
I purchased a Chevrolet Cruze LT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX ( XXXX ) XXXX on XX/XX/XXXX ( my credit score was XXXX ). They directed me to Global Lending Services for the loan ( I had previously been with XXXX XXXX@4.9 % ). Since the purchase, I have had nothing but trouble. I had to cancel a {$1500.00} ( extra ) warranty that the dealership had told me I should buy. My last statement shows a repossession fee of {$100.00} added to my bill ( my car has not been repossessed ). In XX/XX/XXXX I made a payment of {$XXXX} payment to catch up ; however, I requested a payment history summary from Global, and, the payment history shows I was credited with paying only {$XXXX}. At the beginning of the loan the pay-off was {$XXXX}. During the past year, I have made over {$7000.00} in payments, but my pay-off is still well over {$20000.00}. Global refuses to allow me to change my payment due date ( I have requested a new due date XXXX to help me make my payments on time ). I need help from somewhere.
I have had numerous conversations with  XXXX  regarding my account #   XXXX   XXXX   XXXX   XXXX   - Which was  an  old  XXXX  account that was  converted in to  XXXX  through  XXXX .  <P/> They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for   XXXX   XXXX    . I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to  XXXX  and they have agreed to remove the derogatory reporting, yet as of  XX/XX/2017    they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the  XXXX  phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of  XXXX  and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
I am not able to login to my account via photo ID. They then ask me to take a photo via the phone app. I am not able to do so since I ca n't login ... I do n't understand why the app is like this. If I ca n't login via the browser on my computer, how can I login via the phone app to click on the option to send a photo ID?
An account showed up on my credit report that is not mine. On   XXXX   XXXX   XXXX     I sent a debt validation request to Macy 's credit card department and i requested a copy of any credit agreement that i had ever signed with them or to stop reporting it to the credit reporting agencies. Macy 's responded with a letter dated     XXXX   XXXX   XXXX   providing  " As you requested a copy of your billing statements ''. I never requested anything except a copy of any signed agreement that they say i have with them. They ignored my request and sent a bunch of billing statements that i have no idea about.
XXXX filed income tax lien in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. 


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I disputed the validity of a debt with Portfolio Recovery Associates. I received a letter stating the debt was valid and a credit card statement was attached. The statement was dated XXXX/XXXX/2007 with an amount owed of {$81.00}. This date is over 8 years old and the amount they claim I owe is {$470.00}. There is no explanation of the amount owed and it is over 8 years old.
I started working for the federal government in XXXX 2011, I called Navient about what I need to do to meet public service loan forgiveness. The customer service rep told me I had to make 120 payments on time without missing one. I 'm into my 6 th year with the XXXX  and recently found out that I need to submit a public service loan forgiveness application ; my agency filled part of it out to confirm my inservice time and employment. Upon checking on the status of my application I was told my loan payments need to be income driven repayment, Ive been in the graduate payment program, paying more towards my loans therefore my payments dont qualify. Navient never told me that I needed to be in the income repayment program and now I feel like I 've lost 6 years of public service towards my loans. Im very angry and loan forgivness motivated me to move and join the XXXX. Im very upset and I need someone to rectify this.
Equifax had a serious data breach. Affected are 143 million " customers. '' In order to find out if we 're affected, equifax put up a web page telling people what to do. They show three links ( please see attached jpgs for screenshots ) on this webpage https : //www.equifaxsecurity2017.com/ " Potential Impact, '' " Enroll, '' and " Contact Us. '' Clicking on " Potential Impact '' takes you to another screen that describes how to check if one 's data has been compromised and states that one will have an opportunity to register for Trusted ID Premier, a credit protection service. Clicking on " Check Potential Impact '' takes one to the screen where one enters one 's Last Name, the last 6 digits of one 's SSN. Last night, when I checked my data, instead of seeing the screen that stated whether or not I had been affected, the system told me I was automatically enrolled in Trusted ID Premier. I was not given a choice. 

Enrolling in Trusted ID Premier without my consent has waived my right to sue Equifax for damages. I did not consent to that. The web page did the very same thing for my husband as well. The image titled " auto-enroll in Trusted ID.jpg '' shows the progression of how the screens interacted with each other.
We do n't want to enrolled in Trusted ID Premier. We never wanted to be enrolled in Trusted ID Premier. Neither I nor my husband consent to waiving our rights to sue Equifax.
They should not be enrolling people automatically. It is unethical and immoral and probably illegal. I demand to be unenrolled in Trusted ID Premier. My husband demands to be unenrolled in Trusted ID Premier.
We also demand an investigation into Equifax to determine whether it acted unlawfully in delaying to notify people of the breach so that executives could participate in the stock sale. See the XXXX XXXX article here : XXXX XXXX  XXXX for more details on that.
In XX/XX/XXXX we disputed charges on our American Express corporate account. Amex asked us to obtain information from the merchant, which was XXXX, but we informed them that the merchant would not answer our questions because the charges were made with our card but not on our company account. ( See page 1 through 5 of the attachment. ) We assumed the matter was being investigated by Amex but learned in XX/XX/XXXX that Amex had closed the dispute, having done nothing to contact XXXX, and having communicated nothing to us. We asked them for the reason they closed the account. They sent us an email dated XX/XX/XXXX noting " here is the back up of when we closed the case '' but there was in fact zero back up information. ( See page 6 of the attachment. ) We asked them to re-open the dispute, which they did in XX/XX/XXXX. However, it is now XXXX and they continue to say, " give us time, we are trying to contact the merchant '' and so forth. I believe they are simply stalling for time, and unwilling to admit that the information they could have obtained more than 18 months ago is no longer unavailable. ( It doesn't take 3 months to investigate a prior purchase. This is XXXX, with storage capabilities so awesome they are used by the CIA. ) I believe Amex wants my company to " eat '' the disputed charges that they failed to investigate. Moreover, because of this dispute, my company withheld full payment of our bill for many months and thus forfeited valuable Rewards points, which in some instances we had to pay to reinstate and in which in other instances we are told can not be recovered.
The credit card issuer is : CapitalOne XXXX : Improper Application of my payments applied to purchases vs cash advance in accordance to the cardholder 's agreement. It was explained by customer service that if you have purchases and cash advances, the minimum amount due is applied to the principal and interest for purchases first, if you have a cash advance outstanding, the rest of the payment ( s ) received in the billing period are applied to the cash advance balance ( that includes interest and fees ). This process was not followed. All payments were applied to purchases even after the minimum amount due requirement was satisfied. 
With the Cash advance outstanding not receiving any payment, the cash advance fee continued to go up because no payments were applied, causing me to be charged higher and higher cash advance fees. 
These sequence of events happened from XX/XX/2018 to the most recent XX/XX/2018 statement. 

I am seeking that CapitalOne goes back and apply the payments correctly and refund any fees mis-calculated and applied to my credit card account. 

To stop this unlawful activity, I am looking to transfer my CapitalOne account balance to another provider. I would like to close this mess out first before I transfer. 

I was also told that there is no escalation path for these issues. 
The last customer service leader we spoke to was XXXX before that XXXX. XXXX indicated she was as high a customer could go to resolve this issue and the Back office at CapitalONe that could fix this would not respond to my problem stated.
I have requested several times from Experian what methods they used to verify a collection account on my report from XXXX. I have also written to XXXX and they will, nor have they, sent me any supporting documentation that I requested to validate this debt.
I recently filed complaint ID # XXXX against Navy Federal Credit Union ( NFCU ) for fraudulent white collar mortgage fraud and RICO statute against me. You received a very eloquent and prevaricated response from XXXX XXXX ( NFCU ) Supervisor, Mortgage Default Management, XXXX, extension XXXX. 
She stated that NFCU never transferred {$5000.00} from any of my bank accounts to my mortgage which is not what I claimed. I said someone in NFCU had been entering my accounts and electronically transferring money under the guise of fees and payments without benefit of a clear delineation of who authorized what action and where the funds were being placed. 
The {$5000.00} that is pertinent to my account was removed by means of collusion with XXXX XXXX for a foreclosure that never took place which is financial fraud and a federal offense. NFCU from the CEO on down were privy to the opening and closing of Escrow # XXXX, on XXXX XXXX XXXX. Someone in the NFCU chain of command decided that not only would they pilfer money under the guise of legitimacy, they also reported the sale of my house as, " foreclosure redeemed. '' There was no foreclosure or abandonment of my house. I sold it in preparation to move to another state for imminent employment. 
Please send my the necessary CFPB form so I can provide you with written and/or electronic endorsement to audit my NFCU bank records for aggregate evaluations of any and all transactions. This is not an isolated incident. NFCU has shown the propensity to commit acts of bank fraud and financial collusion against a myriad of its member/patrons. Please refer to the following website for documented elements of alleged financial crimes and customer complaints. XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX
Between XX/XX/XXXX and XX/XX/XXXX, this account was removed from my XXXX  Credit Report as well as my Equifax Credit Report due to being established through identity theft. This account who should have blocked upon XXXX  and Equifax receiving a copy of a Police Report listing this account as Fraud. Instead the previous collection agency sold the debt to XXXX XXXX XXXX XXXX which is now reappearing on my XXXX and Equifax Credit Report. Both XXXX and Equifax are in violation under the Fair Credit Report section, 605 ( b ) by having this item reappearing on my credit report
On XX/XX/XXXX, I sent a request to XXXX Experian and XXXX XXXX ; to investigate errors on my credit report. They are supposed to respond within 30 days. I have yet to receive my responses.
I received a bill in XXXX with charges on my AMEX Macy 's card that were fraudulent. I checked to find that my card had been stolen. I immediately reported the stolen card to the number on the prior Macy 's bills. A new card was issued, and the charges in question were transferred over to my new card. We sent three copies of the first letter to the Department Stores National Bank describing the disputed charges. After a few weeks, we sent a triple set of second letters describing the same dispute, and again received nothing from the company. During that time, we continued to receive bills that showed increasing fees, penalties and late fees. We made XXXX minimum payments in good faith waiting for the company to address the issue. Several more weeks went by and we received nothing from the company. I finally got someone on the phone ( not easy to do ) who made notes on the account and sent us the appropriate papaerwork to file a formal dispute of the charges and instructed me to stop making payments to the company at tht time. We sent the ir form in, listing each charge that was in dispute, in XXXX XXXX, XXXX. To date, there has never been any response from them ; my bills, fees and penalties are mounting, and now I have lost XXXX credit card due to theor reporting of my account in arrears. Now my credit is being damaged because they refuse to acknowledge that I am in dispute of the charges made from a stolen card. I have dropped from " very good '' to " good '' according to my XXXX credit report.
In XX/XX/XXXX, I submitted forms to XXXX XXXX ( divn of Webster Bank ) and XXXX XXXX for my account balance with HSA Bank to be transferred to XXXX XXXX in a trustee-to-trustee transfer. After waiting 8 weeks, I inquired with HSA bank why the transfer had not yet been executed, and was told the forms must have been lost. At that time, I re-submitted the forms to XXXX XXXX at XXXX XXXX, and was told the forms would be forwarded to the Operations Department for immediate processing of the transfer. 

As of XX/XX/XXXX, more than four months after originally requesting the transfer, XXXX XXXX has not yet transferred the funds to my HSA with XXXX XXXX.
I have disputed the accuracy of my bankruptcy account on all 3 credit bureaus. XXXX has removed the public record from my file but XXXX  and Transunion keep saying that the information was verified as correct. The type of record is incorrect. I filed a Chapter XXXX in XX/XX/XXXX and as of XX/XX/XXXX the record should have been removed from my report. They keep reporting it as a chapter XXXX. I have sent letters and documentation showing this and they still haven't removed this.
I have a dispute with Selene finance with my credit report that is reflecting a late payments that is roiling month to month which is causing me to have a bad credit score. And I stated that I needed this resolved with the credit Bureau as soon as possible. I have the documentation that is showing that the month that in question, which was XXXX XXXX was not late. That was the last payment that went to XXXX XXXX of XXXX XXXX and at the time with the transition between XXXX XXXX of XXXX and Selene finance took over the mortgage. I need that fixed on my credit report. By what your there mortgage statement / payment history is showing all payments have been made by the grace period. XXXX XXXX was the one that was not showing that Selene finance did not have so here is the proof of payment please clear this error up on my credit report. This is not the first time I faxed all this to XXXX XXXX information. I faxed this information to Selene finance with all this information in XX/XX/XXXX and I was told that it would be corrected. It XX/XX/XXXX and it still not corrected. I have faxed this information twice in XXXX XXXX and it still not resolved please help me with this