WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to receive a MoneyGram transaction of {$530.00} upon arrival at a local XXXX/Pharmacy location my transaction was made available I was instructed to go to the clerk to receive my funds where my transaction was voided 3 times and then I was instructed to call MoneyGram where MoneyGram notified me that my transaction was marked as received when in fact I did not receive any funds and 5 days later MoneyGram is providing me with false information and refusing to restore my funds
For the past 6 months i have gone back and forth with a company that placed a collection account on my credit. I tried to call them only to be hung up on when i requested a manager. Then when i sent them a letter in the mail by way of return receipt, which they received it appears they want to now retaliate and have added another collection account on my credit.     I sent them another certified letter on  XXXX   XXXX  and i still have not heard back from them. I have now contacted the Federal Trade Commission and the Attorney General  Office. I will not be bullied into taking ownership of something that was not originated by me and i was never sought out first about the debt they just placed it on my credit which is a violation. I plan to exercise my rights pursuant to the FCRA in Federal Court  in the accounts are not removed by  XXXX   XXXX . I found an Attorney that has already sued them before in the past and won.
Sallie Mae has contacted me all day, weekends, and holidays. They have contacted my mother and father more than once. I repeatedly told the loan officer I am still in school and I am still in an internship required by school and I will be submitting paperwork shortly. They are still calling and harassing me
This is a formal request for a block or Deletion of XXXX   XXXX  XXXX ( CHECK INTO CASH ) according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of :
I had a mortgage with Ocwen and in 2013 they approved a short sale and it was complete XX/XX/2013. They are still reporting the whole balance and it should have been XXXX once the short sale was complete. It has affected all my financing since 2013 due to this fact.
TH Professional put XXXX collections on my Credit Report and when I called to ask why they said some new debts came through. I stated that I had not received a bill so why are they putting collections in my Credit report. They said they would send me copies of the debt. I received a letter from them indicating the amounts they said I owed but there was no date of service and no patient name. I did not receive a notice of right to dispute in the letter - so I sent them one back disputing the debt and asking for additional information ( i.e. dates of service and patient name ).
I mail Lexis Nexis a certified letter on XX/XX/2018 and it has been 30 days and no respond for the information that I requested
XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, XXXX, and TransUnion. XXXX has deleted the item from my report. While TransUnion in clear violation of the FCRA continues with what seems to be malice to report these items. I am providing TransUnion with documentation to this effect ...
XX/XX/XXXX I had severe damage do to my home because of 35 feet of snow in 20 days. It was a natural disaster, historical for the XXXX area. My home has been under construction since XX/XX/XXXX after the snow melted. I have a XXXX child that has in home therapy that had to be changed to 50 miles away from our home because of construction with meals outside of our home because of lack of use of our kitchen. Our homeowners insurance company XXXX has taking up to 8 months to approve the repairs. So permits have lapsed and winter weather restrictions have pushed this construction back. I have notified my mortgage company XXXX numerous times before I got into financial problems and have applied for a homeowners assistance program/loan modification. I have been denied twice. I want to stay in my home. I am a XXXX XXXX year old ( XXXX ) and have a severely XXXX child. I will mail you the corresponding documents by mail. 

Please help ... ... Tell me what to do next!
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
I recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 Syncb/tjx Dc XX/XX/18 Syncb/lowes XX/XX/18 XXXX Fa XX/XX/18 XXXX XXXX
My town lowered my taxes due to becoming XXXX XXXX and I requested an escrow evaluation back in XXXX. Also the funds being held in escrow are double what federal guidelines say are acceptable. I have recontacted my mortgage company but have not got any adjustments or refunds which I believe should have been done within thirty days. Help please, I 'm not able to work so money is very very tight. 
Thank you
I request Equifax remove the California tax lien that was filed and recorded in error from my credit report. My credit report is inaccurate as a result, and this impacts my ability to apply for credit, and increases the price of credit instruments if I qualify for them. 
Equifax claims they will only remove a lien if it says withdrawal or filed in error as the title of the document. California does not provide such notices. There is no statutory mechanism to withdraw a lien in California code per the CA XXXX. California code requires the XXXX to document liens filed in error by a statement on the face of a release document, instructing the county recorder that the lien was recorded in error. As a result, no form available from the state would meet Equifax 's internal policy for removal of a California state tax lien filed in error. This is unacceptable. 
The CA XXXX XXXX XXXX has notified Equifax the lien was filed in error, and requested removal of the lien from my credit report as described on the supporting documentation and the lien filed in error section of this link : XXXX. 
Equifax did not comply. 
I attempted to get Equifax to remove the lien, and provided documentation. Equifax did not comply. As a result, I am seeking your assistance. 
Thank you.
On XXXX XXXX I opened an account with coin base. I transferred XXXX worth of Bitcoin to Coin base which it received and confirmed receipt on my account dash board. The transaction has been listed as pending ever since. The pending is highlighted so that you can search the transaction on XXXX. It originally showed my transaction but is no longer showing it. I have exhausted myself trying to contact coin base, which has no phone support. You can only email them and I have with no response. The bitcoin transaction has a low but acceptable miners fee so I do not see what the hold up is. It feels as if I will never get my money. Help me get my money. Thank you.
Extended credit of $ XXXX addition credit of existing limit. Deny because of past bankruptcy in 2012. Requested AMerican Express Credit policy and I was denied. Only re-cause-is to ask CFFB to request Amex credit policy in my behalf and provided it to me. 
Therefore, I can you forward to me at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXXXXXXXXXX
In XX/XX/XXXXand XX/XX/XXXX, I was hospitalized at XXXX XXXX XXXX  Hospital ( Original Creditor ), which is a charitable hospital subject to Section 1.501 ( r ) -6 ) of U.S. Code : Title 26 - INTERNAL REVENUE CODE, which proceeded with an  ECA - extraordinary collection activity by sending my hospital bill of {$1300.00} to a collection agency despite knowing I was eligible for their hospital FAP due to my income and knowledge that I was a recipient of Extra Help with my Medicare plan due to my XXXX and low income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The hospital knew I was no longer living in XXXX   because I told them I was moving to XXXX AND my former roommate returned all mail to them. I was hospitalized from XX/XX/XXXX to XX/XX/XXXX in XXXX, and unable to receive any mail and did not have an address yet. Within one month of my release, the hospital, despite never actually contacting me, sent my bill to  XXXX XXXX who put me into collection AND raised the hospital bill to {$150000.00}. 

THE COLLECTION AGENCY ADDED {$140000.00} IN UNIDENTIFIED FEES AND CHARGES. 

THEY ALSO WOULD NOT VERY OR SEND ME ANY DOCUMENTATION OF THIS DEBT STATING I HAD TO GET IT FROM THE HOSPITAL. 
I have no documents or correspondence from them, as they refused, and the only proof I have is a credit report.
Reach out to Experian Credit Bureau to Verify 3 accounts that is on my credit report and provide me with a copy of the original creditors documentation on file that this information is mine and is correct per FCRA. They have not provide these documentation to me, they also sent me a letter stating the information has been provided by the creditor but I never received the documentation I requested per the FCRA, so these three accounts are still consider unverified and is hindering me and my family from purchasing a home. I attached two certified notification when I sent Experian, also the 3rd letter in the exact words they received the first two letters along with a copy of my state license.
I was exposed in the Equifax data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX  AS WELL.
With all  XXXX  Credit Bureaus  XXXX ,  XXXX  and Experian.   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all three of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the victim that needs to proof that I do n't have a car or a home. Ther e are Medical bills that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable company that Does not belo ng to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discr epancies and nothing gets done. Until when what else do i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep goin g to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.
Ally Financial XXXX made various phone calls to my home in XXXX and cell over 2-3 days from no. XXXX, left message without stating purpose or simply called without leaving message. 

On XXXX/XXXX/2016 around XXXX XXXX I called the call back no. and spoke to a XXXX XXXX. She checked both my phone nos. that Ally had called and said they had no record of a debt owed them at either phone no., she could n't say why Ally had called me. 

I then saw an email from my daughter that someone from XXXX had called my son-in-law asking for my contact information. 

The next day XXXX/XXXX/2016 I called the no. given to my son-in-law, XXXX, x XXXX, and spoke first with " XXXX '', who said that they had been looking for a client with same ( very common ) first and last name as mine that they " had lost contact with '' in XXXX. 

XXXX noted that he saw my locations in his database were XXXX and XXXX. 

I then asked XXXX to speak to his supervisor, XXXX XXXX, who said it was customary for them to call all associations of someone when they have the same name of a debtor, even in this case where my locations did n't agree. 

In fact, I have had my XXXX tel. no. for 8 years, and my XXXX no. for about 20 years, so I could not possibly have been Ally 's client in XXXX. 

Ally Financial did not use publicly available personal data in a responsible way. They invaded my family 's right not to be disturbed by not using data in a professional way.
On XX/XX/XXXX at approx. XXXX my XXXX XXXX XXXX   was repossessed by XXXX XXXX XXXX XXXX XXXX on the request of ALLY Financial Online - IRepo .

for late payments as follows : ( i ) 1 of {$220.00} and 2 of {$280.00} = {$790.00} ( ii ) Late Charges = {$110.00} and ( iii ) Expenses ( Retaking and Holding said vehicle ) = {$400.00} a total of {$1300.00} which was PAID on XX/XX/XXXX. ( 1 ) After paying the FULL total of {$1300.00} and the Towing company Charges of {$95.00} ( Storage = {$20.00} and Handling fee = {$75.00}. ( NOTE : The Towing Company would not release the vehicle unless it was satisfied that ALL payments were made. I left with my vehicle at approx. XXXX. Ally Auto Financial then sent a bill with a {$240.00} MISCELLANEOUS Charges. When I enquired they told me its from the Towing charges, REMEMBER they already charged me {$400.00} for Retaking and Holding vehicle. ( 2 ) I decided to PAY off the vehicle to avoid any more problems with the bank and on XX/XX/XXXX I called and requested a Pay-Off Quote and was given a quote of {$5100.00} good for Ten ( 10 ) days.I PAID with a XXXX XXXX Cashiers check for $ XXXX.I then went to the USPS Postal Service and mailed the check Certified Priority - Express, Tracking # XXXX XXXX XXXX XXXX . delivered XX/XX/XXXX @ XXXX. ALLY AUTO acknowledges receipt of the check which was posted on XX/XX/XXXX ( Four ( 4 ) days later and well within the Ten ( 10 ) day time limit ). I was told that I would get my car title within Fourteen ( 14 ) business days Confirmation # : XXXX. I then got a bill that I owe {$31.00} MISCELLANEOUS Charges. XX/XX/XXXX I submitted a complaint to the Florida Office of Financial Responsibility ( OFR ) who notified me that they mailed your office a copy of this complaint. I still have NOT heard from ALLY AUTO or received my Title. I believe I was robbed by the bank of the {$240.00} MISCELLANEOUS fees and would like to be reimbursed and given the title to my vehicle. Thanks for taking the time to investigate this request. I have all available documents, if requested.
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXNCXXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX
XXXX XXXX IS LISTED ON MY CREDIT REPORTS AS XXXX AND THE STATUS IS INACCURATE ( SEE ATTACHED GUILDLINES ) LAST 3 DISPUTES TOOK 45 DAYS AND EXPERIAN FAILED TO DELETE AND STARTED A NEW DISPUTE ON TOP OF OTHER. 

PAID IN FULL, CLOSED TRANSFER S/B STATUS AND REPORTING HISTORIES ARE WROUNG.
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On    XXXX   XXXX   XXXX      this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
My bank , Wells Fargo,  is failing to update another payment service,  XXXX , I use that I have connected to the aforementioned  Wells Fargo  account. The service  XXXX  is an app that allows  one  to access part or all of their next check a pay period earlier but they base the amount and frequency of of the reporting from whatever banking institution you have. This means if your bank fails to report balances and direct deposits posting in a reasonably timely manner you could end up suffering.  Wells Fargo ne eds to do a better job at updating their servers and reporting to these external financial institutions. This is no where near the first time I 've had to encounter this. This is just the first time it has inconvenienced me to the point of feeling the need to file a complaint.
I have been disputing a missed payment that XXXX XXXX  reportedXX/XX/XXXX. I sent proof of payment to XXXX verifying that the payment was not missed and they notified me that XXXX XXXX assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/XXXX. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with transunion and XXXX with she same incorrect information not removed.
XXXX XXXX, 2015 sent a letter requesting this debt to be validated and noted on my credit report. This has not been validated not noted on my credit report.
On XX/XX/XXXX I uploaded my request for dispute with Experian via their website@www.experian.com/upload for the following accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. As of today 's date, XX/XX/XXXX, I have yet to receive any correspondence from them in regard to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond in the 30 days required time.
My wife transferred funds using the Wells Fargo website to move the money from another bank in to our wells fargo checking account to cover bills that automatically withdraw. The wells fargo website said she was doing a same day transfer. That was the XX/XX/XXXX but the money did n't show up until the XX/XX/XXXX, and we got charged {$70.00} in late fees for the XXXX bills that withdrew, XXXX on the XX/XX/XXXX and the other on the XX/XX/XXXX. We were charged a {$35.00} late fee for each charge, including the one that withdrew the same day as the deposit, but was still considered as us having insufficient funds. I went in to a branch to talk with a banker and he flat said he could n't do anything about the fees because he showed the money was n't deposited until the XXXX. I told him I had the confirmation number that their website gave me and he still refused to do anything. I called in to the customer service phone number and was told that it was the other banks fault and i should talk to them. I confirmed with my wife that the transfer was initiated with wells fargo and called customer service back. I was told that the person on the phone could see the transfer being placed into the account on the XX/XX/XXXX, but had no way of knowing when that transfer was initiated. She told me she was transferring me and disconnected the call. I called back a third time and finally spoke with someone who was willing and able to help me. She was able to see that I initiated the transfer on the XX/XX/XXXX, that it was supposed to be a same day transfer, and that it was not deposited until the XX/XX/XXXX. After a brief check she told me there was a known technical issue with online transfers that was not fixed until the XX/XX/XXXX, which resulted in the delay. Assuming that she was being truthful, Wells Fargo knew about a technical glitch that was causing delays in deposits that had the potential to cause late fees that would cost customers {$35.00} each. Not only did they not notify customers that were or might have been affected, they did n't even tell their internal staff. So when I tried to get some relief from the late fees that should n't have been charged in the first place, their own employees did n't even know how to help me and thus refused. Those late fees, of course, are profit for wells fargo. So they have a financial interest in people not knowing that the late fees were in fact the fault of the bank. They did nothing to correct the issue and attempted to hide it from customers. I have spent XXXX hours today trying to resolve something that should have taken XXXX XXXX minute phone call. All so wells fargo can keep as much of the illegitimate late fees as they can.
Possible scam. Have attempted twice to get a PayPal XXXX XXXX. They have deactivated the card both times before it has arrived.
On XXXX XXXX 2017 I filed despites on 4 student loan accounts and XXXX, transunion, XXXX, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX  - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXXXXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX / XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete