WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing charges from a company called XXXX they own several companies that were part of an elaborate scheme to bilk millions of dollars from consumers in the United states. I disputed a charge made on XX/XX/2018 of {$2600.00} with the company " XXXX XXXX XXXX XXXX '' '' XXXX XXXX XXXX '' both the same company. they are owned by a company called XXXX ( XXXX XXXX XXXX XXXX ) I purchased affilliation with XXXX  which is an online marketing company of digital products over the internet. I was sold the service that was supposed to be for traffic that would click on my advertising page. However I recieved nothing for this {$2600.00} I spent. I believe this was just another extraneous charge like many that I incurred while being associated with this XXXX  comany. When I tried to air my complaints the company never responed to my emails.I also called the help desk at XXXX several times but after being on hold for over an hour I just gave up. Chase Freedom card is the credit card company that looked into the dispute I filed with the " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX '' the same company. Chase originally removed the charge from my statement but then the company ( XXXX ) challenged it and then Chase put the charge back on my statement. Now I want to tell you something very important. 2 weeks ago I received an email from the The U.S. Federal trade commision telling me that the FTC by federal court order has shut down this XXXX  company and 8 other businesses they own and froze the assets of the principles in the company over XXXX XXXX dollars ... here is the official link for the FTC action against these criminal companies. XXXX : XXXX An attorney at the FTC provided me this information but the charges against this XXXX company and " XXXX XXXX XXXX XXXX '' came out after Chase denied my dispute for the removal of the {$2600.00} The FTC has been investigating this XXXX  company for fraudulent business practices. I spoke with an attorney at the FTC and he told me that I should make this new information known to the Chase dispute team. I did tell Chase about the fact that the FTC has shut down XXXX and " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX  " company. The charges of almost {$82000.00} that were charged to my credit cards was I believe a scheme to bilk money from me and in light of the fact that FTC has shut down this XXXX company and frozen the assets fo the the principles is proof that this company engaged in fraud. Therefore Im asking that the charge of {$2600.00} be reomved from my statement with the Chase Freedom card.
XXXX   XXXX   reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.
In XX/XX/XXXX I settled a charge off with XXXX XXXX. XXXX agrees the account is settled and properly indicates the settlement in its report to Experian. The account became delinquent in XX/XX/XXXX and Experian correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, XXXX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my Experian consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with Experian. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.
I pulled my credit and I seen I had credit inquiries from company 's that I never heard of or never gave permission to pull my credit.
On XXXX XXXX I purchased some cryptocurrencies on coinbase.com, then on XXXX XXXX I found out that my account has been disabled, I was not able to log into my account and withdraw those cryptocurrencies ( worth more than 2000 dollars now ), so I immediately sent Coinbase a ticket following their instructions @ XXXX XXXX XXXX Then I received an auto-reply from them telling me my case number : # XXXX From that day on, I 've been waited for 8 days and still nothing from them. Last week I figured out Coinbase 's support phone number and called, each time I stayed on the line for more than half hour, but the calls never went through. 

I 'm pretty desperate and angry right now. It seems like Coinbase does n't care about the customers like me. I know their support team is still functioning because several friends of mine tried to verify their Coinbase accounts last few days and their requests got proved immediately. So my conclusion is Coinbase choose to ignorant technical problems, they only respond to the problems that endanger their profits. 

I want my money back. Please help me.
This creditor Check N Go ( XXXX ) was initially contacted with all the other creditors in XXXX 2016 to inform them of the bankruptcy filing. This creditor has updated their reporting to XXXX credit bureau incorrectly. The creditor reported for nearly a year of a Failure to Pay ( FP ) just ending in XXXX 2016. On XXXX, this creditor is reporting the bankruptcy as starting on XX/XX/XXXX2016. They need to update the information please.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX
Back in 2014 I contacted XXXX XXXX XXXX XXXX. in reference to a charge I had been disputing an account with XXXX XXXX XXXX/Mariner Finance Company. The matter had been resolved due to a settlement agreement. The account is still reporting with a balance due and opened which is inaccurate. This has been reporting now for several years when it was already resolved.
I sent Mariner fiance a letter explaining the issue and they have yet to respond. There is no money owed to this company and has n't been for sometime now and yet they are still reporting a balance and will not respond to my request.
This has also been disputed with the credit reporting agencies yet they are still reporting the information.
This is very upsetting and it needs to be cleared up immediately. I have been trying to get this resolved and it 's affecting my ability to make any type of financial move. This is absolutely ridiculous.
I transferred money to these two emails ( listed below ), who were hiding behind a fake XXXX  account. My friend and I were interested in buying an RV pass for a music festival, and she told us she'd sell hers. After transferring the money on Paypal, she blocked us and never sent us the tickets. I went on the festival 's event on XXXX  and found out that more people were scammed by this person.

These are emails they used to transfer the money : XXXX   XXXX Both emails have accounts on Paypal. I'm hoping there is something that could be done about it ( ideally I'd want my money back ). I have screenshots showing the girl selling us " her RV pass '' and also a screenshot from the moment she blocked us.

I'm also attaching the link to the event on XXXX  ( in this post, there are more people showing screenshots of the same person trying to scam them -and more people posted on the event 's wall telling the same ) : XXXX XXXX XXXX
The lender states that the loan has a sale date for XXXX/XXXX/17 and the refuse to review the file - we were informed by the opposing counsel that the sale date is actually set for XXXX/XXXX/17 - at this point we fell the lender is unwilling to assist this client in obtaining a loan modification and is violation of RESPA guidelines.
On XX/XX/XXXX I sent XXXX XXXX a certified letter asking to validate an account showing on my credit report. On XX/XX/XXXX the letter was received and signed, and after 30 days I did not receive a response violating federal and state laws. On XX/XX/XXXX I sent Discover a follow up letter and it was received and signed for on XX/XX/XXXX in which I did receive a response. In the response Discover failed to provide to me a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Not only did Discover not respond in a timely manner they also failed to place a " notice of dispute '' disclosure on my credit reports. Discover has violated Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
PENTAGON FCU XXXX ACCOUNT NUMBER OPEN DATE XX/XX/XXXX BALANCE DATE XX/XX/XXXX ACCOUNT STATUS XXXX PAST DUE XXXX COMMENT TRANSFERRED I AM DEMANDING VALIDATION FOR THE ABOVE REFERENCE NUMBER PLEASE PROVIDE A FULL ACCOUNT LEDGER AND A CHAIN OF TITLE FOR THE THIS DEBT THAT IS BEING REPORTED ON MY CREDIT REPORT.
The Student Loan Company XXXX XXXX/XXXX XXXX XXXX XXXX is  reporting payments late for the time period of XX/XX/XXXX - XXXX but I had been approved for deferment during that time period by XXXX XXXX.
Prior to Navient, I completed documentation for student loan forgiveness. Navient is saying my loans does not qualify and I would have to either consolidate my loans or begin another 10 years of paying my loans. Each time for re-certification of Income based or Income sensitive, the representative would assure me my loans qualify. I have submitted documentation for the Public Service Loan Forgiveness when I moved to have the most current documentation and update my file. I have been dealing with their Consumer Advocacy and the representative to this date has yet admitted there may have been miscommunication. My stance, if I knew I was not eligible under one repayment option, why would I continue to pay for 10 years if I was not told to continue this option.
I found out that I may be potentially impacted from the credit breach that occurred at Equifax. Please try to help me in any way possible and include any information I need to do to protect myself from identity theft.
The original debt was to hsbc I settled the debt on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have a letter from them that debt is paid in full acct # XXXX and have spoken with them and they say they own the debt I settled I have had several phone call from several debt collectors about this same debt but recently I received a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the same debt I gave them a call and told them that I had already paid debt and sent proof and I did get a letter from them dated XX/XX/XXXX that my dispute has been acknowledge and then I got an elert on my credit report that a company had put a collection on my account for the same debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I think we have no protection from debt collectors the XXXX company XXXX at least sent me a letter telling me about the debt but the other company XXXX XXXX XXXX I never received a letter from them the credit bureau just let them do what they want to do as long as they pay for their service as far as the company I paid the debt I think they are responsible for not reporting properly or selling the debt after it was paid I really need some help I have paid all my debt odd but this one wo n't go away so do what the government suppose to do and protect it citizens thank you
I signed the contract when I made the money transfer. The contract did not stipulate any right of Western Union to refuse the transaction. Their guarantee stated the funds would be with the recipient within one business day. After the recipient ( whom I have used in the past for a tour in XXXX ) let me know they could not access the funds, I called Western Union to find out the reason. They refused the transaction but could not specify where they had the right to proceed with this action. When I asked the manager ( XXXX xXXXX in XXXX, XXXX ), he hung up on me!

Along with blatantly poor customer service, they guarantee funds will be transferred, make you sign a contract that stipulates their fees, but no where do they say they can refuse the transfer of funds. They should be liable for the delay of funds as their guarantee is useless.
Transunion has negative account items listed on my credit report from XXXX XXXX, XXXX XXXX, and XXXX. These accounts are not mine. I do not owe these companies any money.
On XXXX XXXX, 2014 i ordered a copy of my credit report from Experian and noticed a negative trade line being reported. i further investigated the problem and came to the realization that this negative tradeline was NOT MINE, it actually belonged to another family member but it was being reported on my credit report. Within the same month i applied for a credit card and was denied the line of credit due to this negative tradeline. This is proven because the credit card company sent me an explination on why I was denied. I disputed the error on my credit report with Experian on XXXX XXXX 2014 asking for the investigation procedure. On XXXX XXXX, 2014 Experian sent me another credit report without deleting the error leading me to believe they never fully investigated the error in the first place nor did they send me any info on the investigation procedure. I sent a second dispute letter to Experian on XXXX XXXX, 2014 asking them to remove this negative tradeline as soon as possible because it is denying me a line of credit. On XXXX XXXX, 2014 Experian replied to my dispute by sending another credit report WITHOUT deleting the negative tradeline again. On XXXX XXXX, 2014, i was sent a XXXX credit report stating the tradeline was removed. This led me to wonder who furnished Experian this information. Experian never sent me the investigation procedures. Ive called Experian multiple times asking how and why this was reported on my credit report and to explain the investigation procedure to me but all I got from their employees was nothing but a runaround and invalid answers. The employees refused to give me valid answers or lead me in the right direction for correct information.
Hi, My name is XXXX XXXX and I was discriminated by Discover Card Services. I received a call on XX/XX/2018 at XXXX Pacific Standard Time. The agent from Discover was named XXXX which is short for XXXX and is apart of the Discover Security Department. The phone number used to call me is XXXX. During this phone call, the associate XXXX, violated my protected rights under the Equal Credit Opportunity Act. 

During the conversation, XXXX inquired about my age and asked me to confirm my age. What is important here is the fact that the reason for inquiring about my age had nothing to do with verification or customer security. My information was already verified. She then proceeded to verbatim state, " You are really young, are you sure you still continue using the account? ". 

Immediately, I let her know she is in clear violation of ECOA. Age is clearly a protected class and there was NO reason for XXXX to use my YOUING age as a reason of whether I still want to use my account. I am very offended.
I have a credit account with Kay Jewelers which is past due. I tr to make payments when i can, but their collectors constantly harass me with phone calls at all times of the day and night. They start at XXXX and continue through XXXX everyday of the week, Saturday and Sunday included. I have told them they should be receiving a payment on Tuesday, the next business day, but the calls continue, up to 12 calls a day.
I checked with XXXX XXXX XXXX XXXX XXXX about the reason my rates were climbing. They informed me that my recent credit report did not qualify me for a better rate on XX/XX/2018. My XXXX score at that time was XXXX. They explained that they received the credit info from LexisNexis Consumer Center. I sent a letter to LexisNexis on XX/XX/2018 asking them to explain to me what was in my record that made my insurance rates rise so much. On XX/XX/2018 they sent me a letter that they needed to authenticate my identity. It was returned to them the next day. The last letter dated XX/XX/2018 stated they could not find any data on me. Also, documented facts that files XXXXay be in their system must be sent to them before they conduct additional research. All the documents i have referenced are available to you if needed.
ENHANCED RECOVERY PUT A COLLECTION ON MY CREDIT THAT I DO N'T OWE. THEY NEVER SENT ME A NOTICE STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT. I CONTACTED AT T AND THEY CONFIRMED THAT I DO N'T OWE THEM FOR THE ERRONEOUS ACCOUNT. I DISPUTED THE ACCOUNT AND THEY CONTINUE TO REPORT IT ON MY CREDIT
XXXX XXXX has refused to update my credit files to reflect my current credit scores. I 've been working with a credit repair company, and I have improved my credit scores, to XXXX, XXXX, and XXXX respectively with Transunion, XXXX, and XXXX. Through XXXX, I 've been trying to get XXXX XXXX, to re-score my credit records, based on all XXXX of the credit reporting bureaus for XXXX. My XXXX scores should be a weighted average of XXXX, not XXXX, as reported by XXXX. They are reporting a civil judgment for XXXX ( Placed by XXXX XXXX XXXX ), that was satisfied by a chapter XXXX bankruptcy discharged in XXXX of 2010.
I went to college in 2007. i became sick and was unable to continue to go to school. the federal loans did not cover the entire cost of school so I had to also pay the school the overage. Due to still owing the school they will not release my transcripts and i can not finish school. I am a single mother so I have to work and I am unable to pay the monthly payments on my loans. Im trying to get a house so my son can go to a school in a good system. i am unable to get a house due to these loans on my credit report.
I am unable to access my funds, no direct deposit for 2 weeks I have a savings account on it and I cant even use those funds. Every time I call I get hung up on or they tell me they can not help me. I have resourced all my cash and have bills piling up.
I originally had a high-interest personal loan with XXXX XXXX, and, after repeated attempts to get XXXX to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to National Credit Adjusters.
I received multiple calls from National Credit Adjusters and on XXXX XXXX, 2017, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box.
<P/>
XXXX has since ( i.e., XXXX XXXX, 2017 ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, 2017 at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, 2017, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, 2017, at XXXX XXXX and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations.
<P/>
The specific information regarding XXXX XXXX and this organization is as follows : National Credit Adjusters XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX
I was placed on the long term modification program to alleviate my financial difficulties. I have now been out into default because chase did not put the past due balnce into forbearance as the XXXX rep told me would happen. Now all of my loans have become accelerated and are asking me to pay all loans in full. I can not do this, I am barely able to make lower payments.
never received papers that i was being sued never received summons never knew was sued by XXXX XXXX XXXX says summons was delevered to wife XXXX XXXX was not living with XXXX XXXX at that time was not living at address where delevered all papers were returned that mailed never delevered XXXX XXXX  got a Judgement against me and Garnished my bank account for everything I had in I cant pay rent or buy food for my family did not know about this at all the Judgement was from 2010 never knew I was being sued by XXXX XXXX XXXX I dont even know who XXXX XXXX XXXX is Never knew there was a Judgement against me Please help me
They continue to contact our place of business for a debt for a person who is deceased, XXXX XXXX. After numerous attempts they will not remove our phone numbers from their dialer. I made numerous attempts to get their professional license number but they continued to hang up on me. Their phone numbers are as follows : XXXX, XXXX, XXXX, XXXX and XXXX. They are stating their address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - which is a XXXX Store. 
XXXX XXXX stated that she is the director of collections. She told me I was contacting the wrong place and lied about the phone numbers not being apart of HER company. Below are the names or alias that these scam artists are using. XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15.
The reporting agency is asking me if I have a home loan mortgage and I do n't ... but its possible that someone stole my identity and has a mortgage. I need to see the report!