WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to send XXXX Bitcoin using Coinbase.com mobile app and the app responded saying that it failed to send the payment and to try again. I then went back and tried to send it again and it sent 2 payments, totalling XXXX Bitcoin. 

The Bitcoin address which the payment was sent to is : XXXX I then contacted Coinbase on the XX/XX/XXXXabout the issue and they responded 8 days later ( XX/XX/XXXX ) saying XXXX replied : Hello and sorry for our delayed response. 

Which did n't resolve my issue in the slightest and did n't even address the matter. I then replied to that asking for the issue to be sorted in which I never received a reply. 

Forward to the XX/XX/XXXX in which I wrote to them again asking for the issue to be sorted and once again received no reply.
I have XXXX XXXX, so I check my credit frequently just to make sure nothing is going on that shouldn't be. I was in college for years, I have several loans. For about the last year, maybe a little longer, Navient is taking whole loans off my credit, and putting them right back on the next month. It will be fine for a month, then they do it again. My score is effected when they do this nonsense!
XXXX is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.
When i reported Equifax to you regarding their refusal to remove of a lier entered in error my credit score was XXXX. And after they removed that record as result of my complain to you, my credit score went to XXXX a XXXX points drop, at the time it is customry for credit score to increase after removing a nigative record, In Transunion my credit score had XXXX points jump. 
I wonder what is the likelyhood that Equefax revenging my complain to you, and who should i ask for help from such egregious mishap. 
Now, i need a business loan badly and such drop would either make it harder to get a loan or might have to obtain one with very high interest rate. 
Please help.
On XXXX/XXXX/2015 my bank account balance with PNC Bank was XXXX. On XXXX/XXXX/2015 the bank charged a {$36.00} overdraft fee with no other posted transactions. 
XXXXXXXXThus, leaving me with XXXX dollars in the bank. On XXXX/XXXX/2015 I had XXXX deposits come in and a bill pay go out. I called the bank of PNC to report my account was in the positive when they charged an overdraft fee and after the fee, my account was still in the positive. 

I spoke to the bank employees and I was told they process bills before deposits, thus putting my account on XXXX in the negative forcing it to go into the negative so they can collect a fee. I told them all the transactions ( as you can see in the screen shot ) are pending as they are posting as of today, and my account was still in the positive and no reason to charge a fee. They refused to return the fee.
I send a letter to Transunion sent via certified mail on XX/XX/18. They sent a letter back that I received today, stating there was not sufficient information and that they wanted me to resend the accounts in question in print with the dispute reason ... I did that already in my dispute letter that they received over 30 days ago and included the exact account number they have on each account ... proof is in the attached document field. The numbers I gave for each account is the exact number that I found on my credit report from Transunion. They have recieved every piece of information they want over thirty days ago already in written format. I have requested that these accounts be verified which is my consumer right, and Transunion has failed to honor that request within the 30 day period. Funny, they have the information at the tips of their fingers but cant verify the info!!!!!
Hello. My lease with Ally Financial was scheduled to end XXXX/XXXX/2016. I processed three 1-month extensions at the cost of {$320.00} each, which would have brought my new lease end date to XXXX/XXXX/2016. After I returned the vehicle on XXXX/XXXX/2016, I received a bill with {$690.00} in charges to cover " Daily Extension charges at {$30.00} per day for 23 days. Even though I paid {$330.00} on XXXX/XXXX/2016 to cover the final extension ( through XXXX/XXXX/16 ), Ally insists that my lease ended XXXX/XXXX/2016. On a call at the end of XXXX I was told that my last lease payment was short {$60.00} and therefore the money was returned to me and the lease was not extended to XXXX/XXXX/2016, and therefore I incurred {$690.00} in late charges. The problem is that I never received my {$330.00} payment that they said they returned from XXXX. I just spoke to another representative who let me know they they did receive my {$330.00} payment in XXXX, but that it was n't for yer extension and he could n't tell me if it was returned to me.
As of XX/XX/XXXX, I had a XXXX credit score of XXXX. On XX/XX/XXXX, my credit score dropped to XXXX, due to XXXX, XXXX, XXXX XXXX XXXX fraudulently reporting an open collection account dated XX/XX/XXXX, with XXXX XXXX. I filed a Chap. XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX, XXXX ( XXXX XXXX ) was part of the bankruptcy. I contacted XXXX and XXXX, XXXX, XXXX XXXX XXXX. and telephonically disputed this erroneous account. I then mailed them a copy of my discharged bankruptcy documents showing that XXXX XXXX was a part of my bankruptcy. Between XX/XX/XXXX and XX/XX/XXXX, XXXX removed the disputed collection account from my credit report, but they did not restore the full 97 points that they took away from me as a result of XXXX reporting this fraudulent open collection information to XXXX.
I believe this company is operating a loan scam that involved bank fraud and wire fraud among other issues. I kindly submitted a Privacy Act request giving them the opportunity to document how their business is legitimate but they failed to respond. They have worked with XXXX XXXX XXXX XXXX, XXXX where they create a fictitious debt obligation. However, there is no validation that any funds of value were actually loaned out to create any debt. They have XXXX other companies as well known as Universal Account Servicing , LLC and the Universal XXXX. These XXXX with XXXX XXXX XXXX XXXX, XXXX in some form or another have all tried to collect on the same alleged debt. How can XXXX or more entities be the legal CREDITOR to the exact same date? When questioned they back off quickly thus demonstrating their lack of legal legitimacy. They have violated perhaps several dozen laws, codes, and statutes not to mention not having the proper licensing to create loans like a bank and be a broker and dealer of securities. If they do n't resolve this I have no choice but to reach out to the United States Attorney.
Filed a claim with my bank for an unauthorized purchase and they filed the claim as a ATM withdraw why? No clue! And yet they denied my claim and took the money from me. I know 110 % I did not make this purchase. It 's Wells Fargo and they will not provide me with any proof of documentation about it. Ca n't even get ahold of there claims department. They are stealing money from me and lots of other people and I want to blast this all over the place. They take my money right befor XXXX so now I ca n't buy anybody gifts and they do n't care. Everyone says I am about to be out for XXXX. Please help me
I tried to resolved this and many accounts with chase bank several times please see attache documents that you can clearly see i had a judgement against Chase Bank for and incorrect statement. chase had to pay me the consumer. remove the balance on the account to XXXX  back in XXXX, XXXX. By thier own Attorney XXXX XXXX and thier agreement signed. 

I tired to get a gredit card in XXXX of XXXX with XXXX rewards, and chase refused, so I could not be apart of the rewards of XXXX. because chase hold that card. 

I tried save myself XXXX on an order, with XXXX and Chase holds that card. so I could not get that card either. the credit application was returned in 3 seconds flat and the name Chase was returned on the scree. it was very clear to me this is not due to my credit is because chase bank is hold a grudge against me for the judgment in XX/XX/XXXX,  if they paid the insurance policy thsi would not have been a problem please see attached documents. all trade lines were to be removed in XXXX, XXXX againts all socials attached credit card. according chase XXXX in the executive office they are on my reports and derrotory statemens from XXXX not to do with an auto loan, or any other loan. auto loan was paid in 11 months. Chase is discrimination when I apply for any card they have, the consumer has no idea who holds the card until it returned and then they state to many cards applied. chase is destroying me this way too! I want chase bank to remove all the credit card applications applied remove for my credit report.
I have several issues with this company. When I first applied for the loan, I was told by several people at the office, including the branch manager, XXXX XXXX, that this was a simple interest loan and that I could make extra payments directly to the principal of the loan if I sent it to the office directly with the phrase " Principal Payment '' on the check. Furthermore, when I paid extra on the website and the payment was divided by the normal schedule instead of a principal payment, I was again told by the staff at the XXXX XXXX, CA branch that I should have sent it to them as a principal payment. 

Well, I recently decided to start paying this loan quicker and sent them a payment directly as I had been told multiple times. XXXX XXXX actually called me to tell me that they could n't do that and that I would be paying the loan as agreed in the schedule. When I asked XXXX XXXX about what he has promised me, he refused to respond other than to ask me what to do with the check.
I 'm disputing this bill in the amount of {$320.00} from Doctor 's Business Bureau a debt collection agency trying to collect on a bill from XXXX XXXX, which should have been billed and paid by XXXX. I have also attached information proving I had Florida state XXXX at the time of service. It seems as if XXXX XXXX decided to bill, me because they could receive more money, because XXXX would only pay a smaller amount per contacted rate. This is a violation of the FCRA.
I have an invoice clearly stating amount due to Kohls with a due date of XX/XX/2018. Yet they keep calling from : XXXX XXXX XXXX XXXX When I answer, they dob't say who they are, only a first name, like, " XXXX '' XXXX I ask where calling from. They won't say, just ask for me again. I have to finally ask what company are you calling from. They relunctantly and very fast answer. 
I've told them at least a dozen times and texted at least 5 times to stop calling me. I will pay what I owe when it is due. I do nit need to be called numerous times throughout the day from different numbers harrassing me.
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 

XXXX XXXX/XXXX/15 Finance XXXX XXXX/XXXX/15 Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
On my credit report, it shows my XXXX XXXX Account as a " Charge Off '' which significantly impacts credit report, and ability to get a new car. 

I have paid on time, everytime on this account. 

It even reflects that on the report, but the " Charge Off '' on the report results in automatic denial, and has put me in a difficult situation. 

Ally refuses to change this, through direct contact or credit report disputes. 

They have even transferred the debt to a shady collection company in XX/XX/XXXX and shut off access to my account on Ally.com, I've made the payments to this company and they're reflecting as paid but still the Charge Off remains.
I CANT STAND WHEN COMPANIES HAVE THE WRONG PERSON, AND THIS ONE DOES YET THEY KEEP CALLING AND SENDING ME JUNK. THEY KEEP SAYING THAT THEY WILL OUT IT ON MY CREDIT REPORT IF I DONT TAKE CARE OF IT. WHY SHOULD I IF IT ISNT MINE?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the XXXX credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the XXXX accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XXXX XXXX to XXXX XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the credit bureaus.
I contacted XXXX XXXX XXXX # XXXX regarding a mortgage. I explained to him from our initial conversation that I previously had a short sale and wanted to know if I would still be eligible for a mortgage, he proceeded to ask me for personal information and replied that there would be no problem in getting me approved. I disclosed to him that I wanted to buy the same house I previously owned, he stated that would n't be a problem. He provided a pre-approval and had me complete and signed disclosures. One week prior to closing and after paying for inspection/appraisal and attorney fees he called me and stated it could n't be done. We started to look again for another house, found one and he said that now we would n't have an issue ( all supported by emails, text and conversations with my attorney ). Again I paid for inspection, appraisal and he came back almost 2 months later stating he was asking for an exception and needed additional documentation. I was told by his previous employer XXXX XXXX XXXX that this was not the 1st time he did this to a client which is why they were in the process of firing him before he left. He is now at Caliber Home Loans, he is deceptive and treated me unfairly. He should not be allowed to work in this line of business as I am sure I am not an isolated case.Having me incur over {$3000.00} in expenses in addition to time and XXXX clearly demonstrates he is unethical.
I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period.

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.
Navient has refused to lower my monthly payments based on my monthly income. During this time my account as fallen delinquent, account balance and increased, and my credit has been damaged. They have required me to pay over {$1200.00} each month on these 4 private student loans. This has hindered me from being able to pay on my federal student loans at all. I have been paying them what I can afford. I now have a XXXX XXXX and they have still increased my required payment amounts even more. Finally, on XX/XX/XXXX ( while on a recorded phone call ) Navient agreed to temporarily lower my monthly payments. After providing my income statement, monthly bills, and being harassed about why I had each bill. Supervisor XXXX XXXX ( employee # XXXX ) stated my payments could be temporarily lowered to {$510.00} per month until XX/XX/XXXX. Then these payments would go back up to {$1200.00} per month. I was also told that my account would be reported delinquent to credit bureaus until at least XX/XX/XXXX before the account would then be brought current. I later received a letter in the mail that listed the recurring automatic payment dates but no detailed terms and conditions. On XX/XX/XXXX I received a call from Navient stating the payment arrangement would be automatically be debited from my account at XXXX and to make sure that I had the funds available. On XX/XX/XXXX the funds were deducted from my account. I am now receiving more harassing phone calls from Navient. They are telling me that my payment agreement has been rejected and that I need to call them back. Navient has taken my money and now refusing to honor our agreement and bring my account current. Please see attached payment arrangement.
I requested copies of my credit report from transunion & XXXX XX/XX/XXXX that had many inaccurateies. I called them transuinion to dispute 2 visible items XXXX XXXX ( XXXX ) {$320.00} from XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with XXXX. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm XXXX! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.
Sat. XX/XX/2018 at XXXX  I called Chase regarding my credit card. FIRST, I get a message that my voice is being recorded and can be used to identify me.

SECOND, when I speak to a customer service rep, she has a heavy accent, has no idea what I am asking her & then start reading a script.

I do NOT want my voice recorded and saved/used for identification purposes.

I do NOT want to speak with a person who does NOT UNDERSTAND ENGLISH, when I am calling about financial transactions. Chase advertises US based Customer service ; this customer service rep was located overseas and could NOT UNDERSTAND SIMPLY STATEMENTS. Chase should be investigated for FALSE advertising and collecting personal data ( my voice ) WITHOUT MY PERMISSION
I noticed a hard inquiry or pull on my XXXX credit report on XX/XX/2017 from CitiBank : Institution Information CITIBANK NA., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I never applied for any type of credit card on that day with CitiBank nor did I authorize them to check my credit score. This is either due to someone using my details without my permission or CitiBank conducts unsolicited credit checks.
I received a call on XXXX XXXX, 2017 from debt collections agency Diversified Consultants Inc stating that my husband ( they stated his correct name repeatedly ) owed a debt with XXXX & XXXX XXXX. I told them it was not correct and to give me dates and address. They did. Not ours. I asked Diversified Consultants to confirm the last 4 of my husband 's social security number to verify it was my husband. The number they have was indeed my husband 's last four of his SSN. I told them this was then fraud. They told me to contact XXXX XXXX XXXX identity theft. My husband contacted XXXX XXXX XXXX identity theft hotline. XXXX XXXX XXXX told my husband that it was not his name, no SSN was on the account, and it was not his birthday listed. So no fraud according to XXXX XXXX XXXX. Diversified Consultants denied illegal collection practices saying they got my number and my husband 's SSN from XXXX XXXX XXXX. Diversified Consultants is using illegal collections practices by assigning someone else 's SSN to accounts that lack one but have similar names.
Dept of Ed/Nelnet desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have received several letters from y'all indicating that y'all will not put this on my credit report it is only showing on the credit report from XXXX y'all have sent me a letter stating that y'all will not put it on my credit report. I have requested information and it has not been accurate. I 'm a question that this inquiry be taken off my XXXX credit report due to yall sending me several letter stating that y'all were going to take it off
Please be advised that I contact Capital One I formi g my acct not being reported in the month of XX/XX/2018. my Capital one acct ending in XXXX has not been report correctly by XXXX since XX/XX/2018.. This is cause my credit score to be lower. And my credit limit has been increased by XXXX.
Portfolio Recovery is a debt buyer who is misreporting to at least XXXX, XXXX  and XXXX, a debt they bought from XXXX XXXX XXXX, specifically my old MasterCard # XXXX. Its a very old account of mine that I last made a payment on or about XXXX, XXXX. Portfolio lists the debt on the credit reporting agencies as of the date they bought it from XXXX XXXX, which was around XX/XX/XXXX. 

Although I have had numerous phone calls and letters exchanged with Portfolio, they refuse to report this debt accurately to the credit reporting bureaus. It should be removed from the credit reporting bureaus as the debt is older than 7 years. 

Can CFPB help me?
Account with an appliance company and if only a day late they will first repeatedly call personal cell phone every hour then start calling work number. This is the third time from XXXX XXXX that I have received a call with the latest call received today at my place of employment XXXX XXXX, XXXX at XXXX XXXX while I 'm servicing customers. I have repeatedly asked the caller XXXX to stop calling my work. I pay the account online and have never missed a month of payment. This company took over for the original holder of the agreement which went out of business ( H.H. Gregg ) and if I was going to be late I just notified them. I 've attempted to do the same thing with this company ( XXXX XXXX ) but she continues to call even after arrangement has been made.