WillisBack/dataset-financial-user-claim huggingface dataset:
I was recruited for my loan through the recruitment officer who came to the school to recruit me to go when I was XXXX years old and did not fully describe the details to the loan to my mother XXXX XXXX and I. I was talked into deferments when I was not fully explained that that would incur interest. Also when the company was formerly known as XXXX XXXX I would get phone calls from my mother 's sobbing because their employees of customer service would call my mother and threatened to take her house and threatened her financial standings and so I would then get talked into going into deferment and be talked into that over and over until my interest is now at 10 % or more and i incurred around {$10000.00} in interest as well and can not work in with any of the " education '' from this college either. The credits do n't transfer. This loan is HUGE so i ca n't get any other student either and i also was not made aware that there was other programs that it was possible i could 've qualified for that would 've helped me with my loan so instead i have now incurred quite a bit of Interest I also was not able to finish my degree fully due to severe allergic reaction at the college after XXXX XXXX threatened insubordination. This is after being recruited and now I 'm being told that college is closing.
I sold my virtual currency ( Etherium ) on Coinbase onXX/XX/XXXX, exchanging it for Euros. I then withdrew those Euros ( XXXX ) from Coinbase to my bank account, on the same day. I received an email from Coinbase ( attached ) stating that the money would be in my account by XX/XX/XXXX. 

XX/XX/XXXX arrived and no money had arrived from Coinbase, although the transaction was marked as 'Complete ' on their website. Previous twithdrawals to my account had been very prompt, so it was unusual that funds had not arrived on time. I raised a support ticket on the XX/XX/XXXX with Coinbase ( also attached ), asking them to confirm the funds had been sent. 

I received no reply to the support ticket, so sent Coinbase support another message through their website on the XX/XX/XXXX. No response was received to this message asking where my money was, except for an automated email from Coinbase on the XX/XX/XXXX informing me that they were experiencing high volumes of support requests. 

Its now the XX/XX/XXXX - 9 working days since I requested my money be sent to my bank account - and I have received no response from Coinbase whatsoever as to where my money has gone. The amount of XXXX has been deducted from my Coinbase account, but hasnt been sent to my bank account, so I have effectively lost XXXX to Coinbase as they still have my money.
XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, Equifax, and XXXX.
Back in XXXX, I sent a letter to Equifax and XXXX XXXX ; asking them to investigate errors on my credit report. They have yet to respond, but they are supposed to respond within 30 days.
On XX/XX/XXXX, I mailed a letter to Equifax informing them I was a victim of identity theft. I provided copies of my FTC Identity Theft Report and notarized Identity Theft Affidavit ( including reference to police report filed on XX/XX/XXXX ). I notified Equifax that as a result of the identity theft, fraudulent items were appearing on my credit report : 2 charge-offs reported by XXXX XXXX XXXX. I stated that these derogatory items were not related to any transaction initiated by me. In accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ), I requested Equifax to permanently block these charge-offs and collections from my credit report immediately. 

I received a response from Equifax dated XX/XX/XXXX. It was a letter stating " the results of the dispute you recently filed with Equifax are now complete. '' Under the investigation results section, Equifax indicated they had researched both XXXX XXXX XXXX accounts and " verified that this item belongs to you. '' I was alarmed that Equifax had treated the identity theft as a standard dispute, and called them for clarification. Equifax told me that regardless of federal law, their process is to contact the information furnisher ( XXXX ) for " verification '' of the accounts. This is completely unacceptable, and Equifax is in willful noncompliance of the FCRA.
Credit card was issued with incorrect name, Citi refuses to correct. I received the new credit card in the mail. The name shown on the card is XXXX XXXX. This is not correct. My legal name is XXXX XXXX. I called the number on the card XXXX on XXXX XXXX, 2016. The first time the company disconnected the call. The second call had the same result-the company disconnected the call. On the third call I was able to talk to a person. The customer service rep stated they absolutely will not correct the name on account even though the wrong name makes the account invalid. ( They do have all my personal information and the did issue a card that was delivered to me via US mail )
I received a letter from Transworld Systems, dated XX/XX/XXXX that I owed a balance of {$810.00} on a medical bill. I called them at XXXX to pay the balance in full. They were unable to locate me by name, account number, or Social Security number, even though I game them the information on their letter. My wife had me call back again that evening with the same results. The account has now been placed for collections. I do not mind paying the bill, but should not be penalized with this on my credit report for 7 year because of their ineptitude. My wife has tried to pay a similar account with them, with the same result, This company plays games, and report to collection agencies before accepting money.
I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX   and Trans Union credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that XXXX XXXX XXXX bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX  andTrans Union. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.
Hello : A company by the name o f CIC Credit  pulled my credit reports from all  XXXX  agencies (   XXXX  ,  XXXX  and  XXXX   )  on   XX/XX/XXXX     without my authorization - I do n't even know who the company is. I have called the company several times to find out who they are and why they pulled my credit without authorization, however I just keep getting forwarded to someone in the company that the call just goes to voicemail. I have left several messages requesting a call back with no response. This is very frustrating, as these hard inquiries hurt my  credit score  and it is extremely unfair that a company will/can do this knowing that these inquiries lower my score and without my authorization.  <P/> I am a subscriber to   XXXX   XXXX   XXXX   and they send alerts immediately when there is a change to your score - that is how I found out about the inquiry and also company information. Please see below for the company information and advise how we proceed now. My goal is to resolve this by the hard inquiries being removed from my report - Thanks in advance for your help!  <P/> Company Info :  CIC Credit   XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX   XXXX
I have paid in full and they will not take the time to release of record. This paid debt is being held against me because it is an active judgement with a XXXX balance. I am trying to purchase a home and all my other paid liens were released of record within 30 days per compliance. This company say they do n't have to do anything now that they have their money. This has a negative impact against me and is effecting my opportunity to purchase a home for my family. I have completing my due diligence in payment, now I am demanding that they complete their due diligence in release of record.
There is a XXXX XXXX account ( XXXX ) on my credit report that should not be reporting on my credit. This account is very old and I have not lived at those apartments for over 10 years. The collection agency who bought this debt, Southern Management, is also trying to charge me an amount that has been grossly inflated to what the original amount was. They are trying to say I owe them {$4900.00}! I have disputed this numerous times and I have not been provided with evidence nor a detailed explanation showing how XXXX calculated what they say I owe. According to the Fair Debt Collection Practices Act, Section 808 : " A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. '' Any collection fees or interest that have been added by XXXX is unlawful and they should not be reporting this account to my credit this way.
I have been trying to sell my condo since XXXX. We purchased it in XXXX of XXXX for {$200000.00} and currently owe around {$170000.00}. We had been dropping the price every few months and were finally down to {$170000.00}. In XXXX XXXX I agreed to a new position within my company that required me to relocate from XXXX to XXXX starting in XXXX of XXXX. My husband and I decided to go through the short sale process and drastically dropped the price of the condo to {$130000.00}. We received an offer for {$130000.00} and started the process in XXXX XXXX. We finally received approval from Wells Fargo on XXXX XXXX, XXXX. Unfortunately, the buyer got cold feet and had requested we cancel the purchase agreement. We finally received another offer for {$120000.00} around XXXX XXXX, XXXX. When I spoke with my home preservation specialist regarding how to move forward with the new offer, I asked her what the value of the property was based on the XXXX performed during the first short sale and she told me it was {$120000.00} so I was hopeful that even though the new offer was lower we would still be able to have Wells approve it. I re-submitted all the required documentation within the next week. A few weeks went by and Wells Faro requested information that had already been submitted and changed my home preservation specialist on XXXX XXXX, XXXX. I recently received notice ( XXXX XXXX, XXXX ) that they are rejecting the offer/ denying the short sale however said we could submit a counter-offer to the buyer for {$170000.00}. It has been eight months since we moved and we have continued to make our mortgage payments because it 's the right thing to do and we had some money in savings. The owner of the lower unit will not agree to let us rent our unit which our condo documents require. I do not understand how they could have approved the short sale in XXXX to deny it in XXXX based on very similar offers and our financial situation has not changed any.
They have repeatedly called me and my family and they are rude and we 've asked not to call our jobs ... I have the number blocked off my phones but now they are calling my family members fishing for information and speaking rudely to them!
Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my XXXX credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit
XX/XX/XXXX To Whom it May Concern : I am disputing the eight ( 8 ) Federal Tax Liens on my Credit Report. 

As of today, Transunion has not removed the Federal Tax Liens from my credit report as cited by the National Consumer Assistance Plan ( NCAP ) Rule of XX/XX/XXXX, which states, in part, the credit reporting agency will remove any Public Record, Judgments, and Liens that do not have all the required information. 

Therefore, Tax Liens that do not have the FULL Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies ' database. 

My eight ( 8 ) attached Notice of Federal Tax Liens display a PARTIALLY REDACTED Social Security Number ( SSN ) and there is NO Date of Birth ( DOB ). 

Based on the NCAP Rules that became effective XX/XX/XXXX, I am disputing the Federal Tax Liens on my Transunion credit report and I request they be removed accordingly. 

Thank you very much, XXXX XXXX XXXX
Receiving alerts, messages and phone calls about a debt that is not mine. I do not have and have never had services that I am being contacted about. I have never lived or visited the location of these debts. It is impacting my credit and my life. I can not provide dates or amounts because they are not my debts.
The night before closing, our lender Prime Lending called to say there was a problem with our loan. The long and short of it is we were told for nearly 4 months, including a Uniform Residential Loan Application and an estimated cash to closing work sheet, that Prime Lending would match a {$3000.00} credit the preferred lender for our builder was offering. When we locked in our rate, the credit as well as our earnest money was not showing. I was assured in an email that the earnest money and credit were there " Your credits were removed, but you will definitely get credit for your {$5000.00} Earnest Money deposit. The {$3000.00} Lender credit will be negotiable depending on the rates. Right now, the markets are very volatile so we are seeing a lot of movements and sometimes not in a positive direction unfortunately. Again, we will continue to monitor the rates for you, but we will most likely iron down the fees within the next few weeks before your closing. " There was never any negotiating mentioned before this. The night before closing we were told that in order to honor that credit the loan would have to go through their corporate and legal departments which could delay closing for days. We did not have days to delay we had to be out of our rental and could not afford to pay for 2 moves plus storage. They were able to match {$1900.00} of the {$3000.00}, but we had to pay the difference.
I went to TCF get an account for my son. I am his rep payee, I informed them that I was his rep payee. They opened a joint account, that was not a rep payee account. Prior to even opening the the account they said we could dept a check however we would not be be able to take any funds out for 7 to 10 business days, how ever thus would not have worked dir us sye to the fact we needed money right away, we opened an account they failed to call me I owed money from an account back in 2003. They ended up taking my sons XXXX check, i tried taking to them and they pretty much said to bad. My son is a vulnerable adult. This is bit ok for them to do this.
My loan is with XXXX. I heard about the lawsuit and I was attending XXXX in XXXX in XXXX XXXX at the time. I wanted to know if I could help you with this. I also would like to place a complaint against XXXX I was promised job placement, I was rushed through the student loan process with very little understanding. Just told to sign here. I had to sign up online. It was all very confusing. They provided very little and now I 'm left with a outstanding debt no job to pay it back. I was wondering if I could be of any assistance toward the lawsuit against XXXX I was rushed into signing documents one after another with little understanding. Sign here, here, and here kinda thing. I feel cheated by XXXX and now they 're gone. Made millions off of people like me. I 've got a useless degree and a outstanding debt. They were the predator and I was the prey.
I have an unverified account from Pinnacle Credit Services on my credit reports. I have repeatedly disputed this account with Pinnacle Credit Services and the credit bureaus. It is from a XXXX account that I paid directly to XXXX more than XXXX years ago. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that Pinnacle Credit Services provide verification of the following : 1. The original application or contract 2. Any and all statements allegedly related to this debt 3. Any and all signed receipts 4. Original date of default and collection activity dates 5. Whether you purchased the debt, and if so, the amount paid for the debt. 
6. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 
I demand that the account be removed from my credit reports and that Pinnacle Credit Services cease all communication and collection activities until providing verification of this supposed debt.
I have never received anything prior to a collection showing up on my credit report. The law states that consumer should be notified 30 days prior to listing anything on credit profile. This company is stating they are collecting on behalf or XXXX XXXX I have no contract signed with XXXX or XXXX XXXX. Per the HIPAA Law it protects my personal health information from being released to anyone not listed. This is reporting and has impacted my credit negatively. If this issue can not be resolved, I will exercise my rights under FCRA and sue for any damage this has cause me in obtaining credit and will contact XXXX XXXX for XXXX XXXX whom is responsible for enforcing the Privacy and Security Rules.
I have been led around by XXXX and Bank of NYork Mellon for eight full years while I tried to modify two loans : XXXX XXXX negative-arm loan on my home, the other a XXXX loan on a rental house. 
After eight years of this nonsensical routine of faxing hundreds of financial documents, jumping through every hoop, in time, facing foreclosure repeatedly, five times in a row it was even a wrongful foreclosure, I NEED HELP. 
I am now a XXXX. I need to be able to stay in my home. I need to preserve the savings I poured into the rental house. 
And I NEED TO BE HEARD
I was on the site of another merchant when they had a tab for " free credit reporting ''. When I clicked on the tab I was told this was not free credit reporting and my credit card was charged at least {$1.00} with transunion with my debit card from XXXX ending in XXXX associated with checking account XXXX.and possibly will be charged again in the future. I already have similar services with other companies. I want this cancelled and my {$1.00} refunded and not to be charged in the future.
My ebenefits account was compromised and changed my direct deposit from my XXXX bank account and transferred my funds to a prepaid netspend card and used this card to withdraw money from the atm XXXX, which I stay XXXX. I never authorized this transaction and would like this matter to be resolve.I also would like to NetSpend to be investigated because I followed the FTC guidelines and forward all pertinent information to them, but I got only a hard time and told that they never received my fax of my documents after I sent them numerous times.I called numerous times and requested a supervisor because the customer representatives do n't speak XXXX which I find kind of odd.
I ordered products online on 4 separate occasions in a one month period. The first was offered at 9 % interest for a 24 month period. The subsequent 3 loans were 6 month zero interest if paid in full. 
When payments are made, PayPal only allocates payments to the first 2 loans. Since the first two loans are the highest balance, I will never be able to pay off the second 2 loans prior to the 6 month time period. I have paid two months in excess of the minimum due and have asked that these excess amount be applied to the last two loans ; however with repeated attempted all I get is an automated response that is unrelated to my issue.

I believe PayPal should allow me to direct application of any amounts in excess of the minimum due at my discretion. If not, PayPal will have effectively forced me into paying retroactive interest on at least the last two loans, and probably the send zero interest loan because payments will not be applied at my direction. 
As a borrower of this money, I see these as three separate loans to be paid as I desire. If PayPal considers these a single loan with different offers, then monies should be applied equally across all loans ... .but either way, I should be permitted to direct excess payments at my consideration.
There is a company Sequium Asset Solutions who have contacted me via mail on multiple occasions initially when I received the letter I tried reaching out to them this was XX/XX/2017. They have yet to answer the phone I have called them, sent letters and have disputed the account with all three credit bureaus. It was removed from one and not the other two I have even reached out to the original creditor in regards to the account. They could not give me any information because none of the info I gave them matched this account. This is NOT my account I had no knowledge of it prior to XX/XX/2017 and had not given anyone permission to use my info for this company I would like them to be removed off of my credit files ASAP.
XXXX XXXX company receives my monthly social security payments, and are suppose to have it available monthly on my card. Well, a month ago, someone made an unauthorized purchase in the XXXX XXXX on my XXXX XXXX for {$800.00}. I filed a dispute claim, I live in XXXX Pennsylvania. After, about 15 days or so the XXXX XXXX company put the {$800.00} from the unauthorized transaction back onto my XXXXXXXX XXXX. Now, I was expecting my social security payment for today XX/XX/2019 Only to find out that XXXX was deposited by the social security administration to my XXXX XXXX Account, but that the XXXX company deducted the {$900.00}. Dollars because they said that the XXXX dispute on the prior claim on the XXXX XXXX purchase was not finalized. So, they took my social security XXXX payment because of that. I never been to the XXXX XXXX, I live in XXXX Pennsylvania. I dont buy any products online. The {$800.00} purchase made was unauthorized. And this XXXX XXXX  company is not only penalizing me for that unauthorized purchase, but, fraudulently, advance me back my own money, and then the following month of XXXX XX/XX/2019 deducted {$900.00} from my social security again on this fraud purchase made by someone other than myself. They have put me in a vulnerable financial situation in paying my living expenses over the last few months because of their unethical business practices. They have showed not concern for me or providing immediate resolutions to these issues and problems concerning my account. I have been backed up in paying my bills and because of them have experience more health issues. Their telling me, that it takes 180 days on a claim dispute issue, to finalize even tho I live here in the United States and the unauthorized purchase was made in the XXXX XXXX, which I have never been too. Then, they put the money on the card and take it out of my followings social security payment as if they given me a loan on my own money, that they owe me. The {$800.00} and this month of XXXX, {$900.00} They have taken from me via my social security payments. They are giving me nothing but a hard time with retifiying this situation. So, today I have filed several complaints against this company for shady unethical business practices. And I want all my hard earned money return to me immediately.