WillisBack/dataset-financial-user-claim huggingface dataset:
Concerning Coinbase, headquartered in XXXX XXXX, California. 

International payment, value XXXX GPB, or XXXX EUR, made XX/XX/XXXX. No payment received into my online trading account. Escalated XX/XX/XXXX on the online support form. Confirmed shortly thereafter by phone that payment had been received but they were ascertaining whether this payment could be forwarded to my Coinbase trading account or refunded. 

As of XX/XX/XXXX, over three months later, after repeated phone calls with no information offered, and repeated emails each time an automated response, I'm escalating the problem with the CFPB.
I have a lease with Ally Bank on a XXXX XXXX XXXX. I called to get a buyout on the car and they gave me a number of {$30000.00}. When i went to the dealership and found another car i was in the process of working on the deal and the dealership came back and told me the bank was asking for {$34000.00} for the buyout. I called the bank and asked for an explanation and no one could explain it. I was told by XXXX Employee ID # XXXX an alleged supervisor that the 3rd party buyout was more due to market value. So i asked if i was to get a check from another bank and had it made out to Ally for the $ XXXX would they take it and she said yes. So i ask whats the difference where the money comes from? She said that its different for dealerships and that its state policy/law that they can charge the dealership more. I asked for this XXXX number and she could n't answer the question.I then asked for a supervisor and she said she was the highest up and that i would talk to another person on her same level if i wanted. Of course i said no a supervisor because i find it hard to believe the whole department is a bunch of people that manage themselves with XXXX supervision. Nope she transferred me to XXXX ID # XXXX same dept same position. I told her to just please get a supervisor on the phone. Then i spoke to their supervisor XXXX ID # XXXX. She again is saying that the bank reserves the right to charge a dealership market value from what is estimated by XXXX XXXX. That price is estimated by geography. However my point is i am the consumer and have the agreement with Ally. It works out for all parties that i get truck i need and the jeep get returned and the bank get their $ XXXX. However since i am not the one writing the check they gave the dealership a larger quote for the car ultimately screwing me. All parties win, i get a functional car they get their money and the dealership sells a car and who know maybe we take the loan out through Ally? My concerns are that this an unfair practice that hurts me the consumer and I want to know what the North Carolina XXXX XXXX is that allows the bank to do this.
Hi, I 've been getting harassing calls almost daily for months ... 

The most recent ones are from a company they call " Concord Resolution '' in the voice mails and it 's a recorded robo voice when they leave a voice mail. 

They are very rude and threaten to pursue lawsuits for a supposed payday loan which I 've never made, straight up extortion. 

I 've asked them to NOT call me anymore that my number is registered on the do not call list via XXXX and telling them via phone to add me to their donotcall list because of all of these ridiculous calls. 

They call at all hours of the day. Today they called at XXXX and again about an hour ago. 

I receive calls like this daily. 

They have various phone numbers each time and I am tired of being threatened by people who I do not owe and should n't have my phone number in the first place. 

These are a couple numbers used often. 

XXXX. XXXX. XXXX. XXXX so on. 

Number 1 is the one that 's been calling multiple times within the last few days.
When becoming a few days past day, Consumer Portolio Services will call you repeatedly until you pay off the debt. Unfortunately, my husband was laid off recently and I have had to pick up all of the bills in the house and have become behind in my payments to XXXX. I am currently 3 months past due and I am trying to gather the money to pay off my outstanding balance in full. XXXX has called repeatedly every day including weekends from XXXX to XXXX with about XXXX calls per day to myself and my husband and once or twice to each of my referrals including my employer. The calls began XXXX XXXX, XXXX and continue daily. 

At this point I ignore their calls because they have become so overwhelming. They offered to help me when through a email message to get back on track but once I called they said the only thing they would be able to do is give me one week to pay off the outstanding balance.
XXXX XXXX ( XXXX ) trying to collect a debt of XXXX as of XX/XX/XXXX I have never open an account with sw credit I don't understand where this is coming from I have no type of knowledge of this " debt '' I don't know nothing about this company
I contacted TransUnion with incorrect information on my credit report on XX/XX/XXXX, advising them of the information that is incorrect. They sent me a copy of an " updated '' credit report, that did not have all the information updated. I sent another letter to them via Certified Mail on XX/XX/XXXX, advising them of the information that was still incorrect. I received another updated credit report today, XX/XX/XXXX with the incorrect information STILL listed on my credit report. It should NOT take 3 letters to have INCORRECT information removed from my credit report. I want ALL the phone numbers removed - I do not want my phone number listed. I do NOT, nor have I ever gone by XXXX XXXX XXXX. My employment data should only reflect my current employer, as per stated in my previous two letters to them.
XXXX, Equifax, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX
I had went to XXXX XXXX XXXX XXXX XXXX XXXX in approximately XXXX. The hospital got my Medicare Card and my XXXX Card. On XXXX after moving to XXXX, XXXX, I received my VERY FIRST letter from the INFAMOUS debt collector Syndicated Office Systems. XXXX, XXXX XXXX XXXX. The letter said, I owed a mere {$65.00} for the co-pay. I got on the phone and IMMEDIATELY paid it. There is no dispute of that. The ENTIRE PROBLEM is I never knew I had a co-pay after being shot up with Dilaudid and leaving too high to walk. And, NO ONE said, " XXXX XXXX do you or anyone with you gon na pay your CO-PAY? '' I get my first notice a year and 4 months later AFTER it 's on my Credit. And for 3 years, I have XXXX " collection '' for {$65.00} that even the supervisor of Accounting XXXX said THEY SHOULD REMOVE but Syndicated Office Systems/Central Financial refuses to remove! This is CFPB 's own report on the XXXX name company XXXX
I paid the debt that was owe but did not get in formal information on the balance until I pulled up my credit report. I called that company to at least try to remove the late payments and rep was rude about it. I did state to the company if they can remove the late payments off the account because it would not been late if I receive the notice.
I recently applied for a personal loan with Discover Personal Loans. I submitted my loan and application, and learned my loan was finalized on XXXX XXXX, 2015. I was told I should receive a check for my loan within 10 business days. 

On the XXXX business day, XXXX XXXX, 2015, I still had not received my funds. I called Discover Personal Loans and found that my payment had not even been sent yet, and would not be until later that week. 

However, I was informed that I was going to be charged interest from the day that the loan was finalized, XXXX XXXX, 2015. To me, this is utterly unfair because I am paying interest on funds that I have not received, and in fact have not even left Discover 's bank account. 

I 've looked up the rules and regulations regarding this practice. And it appears per 12 C.F.R. 226.2 ( a ) ( 13 ), I am obligated to start paying interest when the loan is " consummated ''. While I may have agreed to certain particulars of the loan on XXXX XXXX, 2015, I did not receive my end of the contractual consideration on this date, and would not even receive it for 15 calendar days later ( at the soonest ). In this case, the amount is not insignificant. It is approximately {$100.00}. ( {$23000.00} loan amount x XXXX apr XXXX XXXX Discover 's daily accrual method x 15 calendar days of interest. 

I have canceled the loan, for obvious reasons, and expect Discover to not hold me accountable for any interest from this loan, as I have not been able to make any good use of the loan they provided. 

I am concerned they are preying on unsuspecting customers by using this " consummation '' loophole, getting customers to agree to the terms of the contract on the funding date, being overly slow in disbursing funds ( over 10 business days is truly excessive ), and reaping the benefits of their inefficiencies. 

I would like a response from Discover, and I think this may warrant an investigation from the CFPB, and possibly a class-action lawsuit.
I recently received two letters from XXXX XXXX XXXX on the same day, one lettter is supposed to be a debt validation, which I requested, but it isnt. I requested to see something with my signature on it because I have never had a Capital One Account. The next letter I received on the same day says that they couldnt complete an investigation because I failed to give them information requested. These are the first two letters that I have received from this company. No information was requested from me. All I asked from the beginning is to see something from XXXX XXXX XXXX that has my signature on it. I also asked how it it legal to collect on an alleged debt from XX/XX/XXXX. This is out of the statute of limitations. I would like this removed from my credit report, due to the inability to provide the important information requested. If indeed I had that credit card on XX/XX/XXXX and you brought the debt XX/XX/XXXX, you should have something with my signature on it.
I am writing to express my concern about Scottrade Bank when my online account was hacked while I was XXXX. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after XXXX phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here XXXXI am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a XXXX review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.
World Finance who I got a loan from showed up on my job to deliver a letter not XXXX but XXXX. How do I handle this
I disputed an account with all 3 credit bureaus regarding Diversified consultants in which they purchased or inherited an account from XXXX XXXXXXXX XXXX {$580.00} XXXX after I asked the to validate this account and they could not validate, and now I have asked Diversified Consultants to validate this account as well, and they did not validate. But they are still reporting this inaccurate account on my credit
There was never any attempt to contact me or inform me of this supposed debt. Debt collector did not provide a valid phone number for me to contact them. It just showed up on my credit report. The recovery agency alleges I owe {$950.00} to  XXXX   XXXX  from  XXXX  of last year, but I have had  XXXX  Fios for the past 4 years. I tried to call the number provided, but it does not ring or even connect. So I am unable to contact them.
I could not make my XX/XX/XXXX payment, as I was in XXXX school. When I called at the end of XX/XX/XXXX to pay in full the customer service representative told me to do this deferment and they would put the 1 payment at the end of my loan if I made 4 consecutive payments. They said I needed to make 4 monthly payments. It did NOT say calendar month payments. I made my XX/XX/XXXX payment XX/XX/XXXX. I made my XX/XX/XXXX payment XX/XX/XXXX to ensure the XX/XX/XXXX Payment was not late. Apparently that messed everything up. I have spent HOURS on the phone ( because you can not get a hold of anyone in charge of anything with this company ) to fix this error. It was fixed. I made the rest of the contractual payments. Once my XX/XX/XXXX payment was made, it said ( per their app ) that I was current and everything was fine for 3 days. Then all of a sudden their system messed it up. It now says I never paid XX/XX/XXXX. ALSO, they have reported that I was late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my credit report which has had a serious effect on my credit score. I would not have done the deferment ( and would have been fine ) if the original customer service rep did not push me to do so. I will say XXXX XXXX has done his best to help me, but his hands are tied and the people above him are not fixing this. This is ridiculous that I have been dealing with this for 4 months! My hands are tied. Mortgages get transferred without the owners permission all the time. This is a horrible company and seeing how they have 87 % negative feedback, they should not be allowed to buy someones mortgage.
My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
I am trying my best to obtain a mortgage to move into a new home and some late payments are coming up on my report that are making it difficult to be approved. The mortgage this related to was my first property and first time being a landlord and I was really inexperienced with the damages that could be caused in the future in losing tenants, late payments, and the delays that can happen in trying to sell a property. 

Below are the months and dates that i would like to considered to be removed from my report Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - loss of a tenant Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - loss of a tenant Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - Property sale closing was delayed past the agreed date with the buyer Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - Property sale closing was delayed past the agreed date with the buyer Thank you!
A lien has been placed on our home by Troy CapitalXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , NV XXXX, ( XXXX ) for someone else 's debt. The lien is for {$1100.00} in the name of XXXX. The loan was originally turned over to XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX ( XXXX ) The company admitted to me that the Social Security Numbers for the name do not match, yet they can not remove the lien. 
I am not responsible for this debt. Another person with the same name is. My bank is refusing to process a loan for me for this reason. Help!
In correspondence dated  XXXX  -2017 I mail ed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX CC, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Hello, My name is XXXX XXXX, my Loan number # XXXX. Im writing concerning of how your company has handled my mortgage, and questionable business practices. Ive been deceived by your company, mortgage representatives, and legal counsel. I would like to speak to someone from a corporate representative concerning this situation. I was making payments up to XX/XX/XXXX, then was told by Loancare that they are now mortgage handler and to suspend payments until XX/XX/XXXX due to paperwork and processing. XX/XX/XXXX arrives and im informed Ive defaulted due to 3 months of nonpayment, and in forclosure?!? Now apparently my home was sold on XX/XX/XXXX. Ive had communications with Loss Mitigation, and the attorney involved, both implied that a solution could be made to the situation. Neither gave notice it was up for auction, or lose my home. Ive been told today by XXXX XXXX XXXX attorneys office they were in favor of restarting the loan and resume payments. Today XXXX XXXX emails me stating that it was sold in XXXX, and that Ive lost my home and to contact the attorney??. This is outrageous! I cant believe this is how Loancare operates, its inhumane and unethical. Im consulting an attorney on my legal options, and other avenues to keep my home. Im XXXX, retired and now will be homeless. I appreciate any assistance in this matter. 

XXXX XXXX XXXX XXXXXXXXXXXX
My ex-husband & I filed chapterXXXX  bankruptcy in XX/XX/XXXX, the 2nd mortgage on our house was in it through Beneficial Finance. I am now trying to sell that house since my mother died & I am now living in her house. When the title search was done, the mortgage for Beneficial is still showing. As far as I know it was paid for in the bankruptcy which was discharged on XX/XX/XXXX. Beneficial was bought by HFC, then HSBC. I called HSBC on XX/XX/XXXX, I was transferred 3 different times until was given the # XXXX. When I called they were closed. I called again on XX/XX/XXXX, and they were still closed. on XX/XX/XXXX I called again & talked to a XXXX that told me to send the title search & a recorded mortgage with my county. That was done XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX. There was no response. The title Co. & I each tried calling them to see what they found & we each got the recorded message that the office had been closed. The message also had an address to send correspondence, but no phone number to reach them. on XX/XX/XXXX we send another title search & recorded mortgage to them. With still no response. Since I am living in my parents house already & can't sell my old house. This is creating a financial hardship on me. I would greatly appreciate it if you can help me.
Regarding accts: XXXX, XXXX, XXXX, XXXX

I'm finding this absolutely impossible to deal with Experian and their investigation into my disputes. I received a response stating that they investigated my claim and that the "data furnisher verified" this. I'm going to point out the specific laws that protect me against this abuse from the CRA's and that Congressional opinion clearly states that the statutes do not allow for the CRA's to merely parrot what they're being told! 

How were my disputes handled? 
How were my accounts verified? 
How was an independent investigation done? 
Where's the documentation that verifies this is reporting accurately? 
Why do they think that it's ok to violate my rights?
Why isn't anyone holding them accountable? Are you supposed to? 

Direct text from XXXX V XXXX XX/XX/XXXX:
"A consumer alleging that no reasonable investigation has taken place has a separate claim pursuant ot 1681(a)": 
No investigation was done at all. No reinvestigation was done at all. No independent investigation was done at all. If that were so, they'd have documentation to back this up instead of just telling me to go away because they don't feel like doing their job! 

Regarding the language in 1681(i)a, "the statute places the burden of investigation squarely on the credit reporting agency". 
This means that it's THEIR responsibility to determine the accuracy of the negative item that was disputed. They must perform their OWN investigation. If I took them to court, they'd need to prove to said court that an investigation even took place, a reinvestigation took place, an independent investigation took place and that they had the paperwork physically in their hands to make this determination. 

"We also agree....that the plain language of the statute places the burden of reinvestigation on the credit reporting agencies" and that they "bear grave responsibility" to ensure the accuracy of the information... The grave responsibility emposed by 1681(i)a must consist of something more than merely parroting information received from the other sources. Therefore, the "reinvestigation" that merely shifts the burden back to the consumer and credit grantor cannot fulfill the obligations contemplated by this statute".