WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I took out a payday loan online with 500 Fast cash. The loan was for {$250.00}. My {$75.00}. Payment was to be debited on the XXXX of each month..Everything was fine until XXXX, XXXX when my payment was not taken out. I called XXXX and it just rang. Called several times later that day and for weeks after and still no one answered the phone. I emailed a letter asking why my payment was n't taken and emailed it to customerservice @ 500fast cash.com..I never received an answer. I repeatly tried to call still no answer. I then faxed a note stating I hereby do not authorize my bank to pay them in the future. I was afraid they would debit my account an exorbitant amount. Still no communication. If I had an address for these people I would have sent a certiief letter but apparently they do n't stay in XXXX place long enough. Months later I started to receive extremely harassing calls from a male who I could barely understand screaming that a policeman would be at my door soon and I had better make a payment. He never mentioned what and who this was about and I screamed back and hung up on him. He called again and did for a few hours. Time went by and he started again. I did go to the police dept. but of course these scammers are hard to track down. This went on intermittently over the years when they starting call in my brother 's house whose name I gave as a reference. I was living XXXX at the time my address had n't changed, neither had my phone number but they harnessed my brother to this day. 7 years of harassement. I moved from XXXX and my brother told me he has gotten calls from a company called XXXX XXXX XXXX from XXXX XXXX. I called him yesterday XXXX/XXXX/XXXX and me told me I owed over {$400.00} from this loan and he thinks it might be because of a bad check. The money was taken out of my account until XXXX XXXX, XXXX when that stopped. I told him exactly what happened and I also filed for bankruptcy in XXXX. He said they will sue me still for the check and I would incur many times over what was originally owed. I have this figured out. They take out the payment for a while and then stop. I could not reach them In any way possible and then they send the scammers after me. I called my lawyer and his secretary told me coincidentally another client called her yesterday about the very same agency..If I could afford a protracted lawsuit I would love to out these vultures out of business..I kept every piece of correspondence from me, emails, copies of problems other people have had with these people. I also have copies of my checking account showing the debits all paid until XXXX when no debit was made. I think this has to be dealt with seriously. Thank you, XXXX XXXX XXXX
Credit agency is reporting XXXX XXXX XXXX XXXX or XXXX as two months late for XX/XX/XXXX. XXXX was discharged in XXXX XXXX Credit agency removed the debt in XX/XX/XXXX and added the debt back on to report in XX/XX/XXXX. I contacted CFPB in XX/XX/XXXXregarding this situation several times in XX/XX/XXXX and the reporting agencies made the changes, now it is being reported incorrectly again. XXXX was discharged in my chp XXXX. I attached my full petition as proof in XX/XX/XXXX and XX/XX/XXXX of the discharge.
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Hello, This company ran hard inquiries on my XXXX  credit report without my consent. I applied for a payday loan, which is not a line of credit and should not have required such a credit inquiry. I contacted the company requesting these inquires be removed, however they have ignored my request.
Transunion is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Transunion in XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX 's response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX 's claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Transunion is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX, showing the false reporting.
They refuse to address issue over phone where we can talk NO, they rather send NO supporting documents and continue to make me and others suffer, I am dying because of them, my life is ending fast over their theft. Of course they need more time research they are committing illegal crimes and need to be stopped, the consumer has been cut out of the equation in the process. THEY PROMISED to call but refuse cause they know they owe money they rather commit fraud, consumer terrorism and murder and embezzlement cause regulators let them get away with this. Disgusting, I Am loosing my life and future to this and I will not tolerate it. It will be fixed.The issues we have with USAA BANK/CREDIT CARD/DEBIT CARD/LOAN SERVICES/CHECKING/ALL AROUND CUSTOMER SERVICE/RENTERS INSURANCE/AUTO INSURANCE/UNFAIR CREDIT REPORTING and all the things that follow from BAD FAITH INSURANCE to LYING all the way down to in my mind fraud. Before these issues, my life, my credit, my career and my identity where not only going very well, but we can prove, we never missed a bill EVER. We can also show faxes, witnesses, police reports, emails, phone records right on down the line and the fact we never were once late with a credit card bill, ever, we always paid more than was expected. So how come if we always paid on time and kept up with other monthly bills did USAA put our credit card in collections when we sent them identity theft paperwork on the credit card and checking account. Falsely putting credit card in collections itself has cost us major health, job, credit issues we never ever had as well as a whole breed of fake things on your credit. The headaches alone we go through daily and the loss in our lives is extreme. Not to mention the dozen of unpaid policy renters and automobile things need to be paid. But even from the first issue when we were massively identity theft through our checking, even though we ended up finding out who it was and there was an arrest and witness to came to us and testified to the culprit wrong doings, the whole time we had money missing from our accounts prior to finding out what was going on USAA BANK was rude and uncaring and told me that it was probably my boyfriend at the time doing it and I should have him arrested. WHAT KINDA COMMENT IS THAT And after we found out who did it, when we called to let USAA BANK know XXXX ( ext XXXX ) screamed at XXXX XXXX when he was trying to be kind and let them know what was going on, she did not care, she was more concerned if we wanted anything from them This is something we dealt with everyone from USAA, all my life I never seen any COMPANY get away with so much.
I asked to switch my monthly payments so that the higher amount due would go to the smallest loan so it can be paid off faster and was told no they cant i can do it myself but will be responsible for late fees or the loans paid in full.. I told them I would still be paying the same amount each month and was told theres nothing they can do to override that in their system. Also XXXX switched companies to navient with out my consent when asked if they will still contribute to u promise i was told yes but navient didnt link to upromise i also went from a fixed interest to variable and now my monthly payements keep rising even though ive called multiple times because i cant afford to pay. their suggestion was to extend term of loan, but that will only result in paying more in interest over the course of the loan.
I have an XXXX AAdvantage Citicard because I want to earn miles on my purchases. I recently took advantage of a balance transfer offer to remodel our kitchen and we made a transfer of {$15000.00} on XX/XX/XXXX. The 0 % interest balance is good through XX/XX/2017. Since then I made my monthly payments to cover my purchases and pay part of the balance transfer. I discovered I was being charged interest and the amount listed on the statements for the balance transfer was much lower than expected. I called Citi customer service to find out what was happening. They said the balance transfer offer stated that any payments made would be posted against the lower interest rate first. So in other words, to avoid any interest I would have to now completely pay off the balance transfer before they apply payments against my purchases at the higher rate! This is completely backwards! I realize this is what I blindly signed up for now, but this is completely anti-consumer. No one would expect it to work this way and I find this quite deceiving and quite frankly stupid on Citi 's part ( except they benefit by charging interest ). The rep told me I should n't have used the card for purchases, but just for the transfer. Why would a credit card company NOT want me to use my card for purchases? So now I 'm trapped, with no other option, but to transfer my entire balance out to another card to avoid paying any more interest. This has now cost me {$470.00} for the first transfer fee, {$70.00} interest in XXXX and {$97.00} in XXXX. It 's also costing me another {$720.00} to transfer my complete balance out of Citicard. My wife and I both have the AAdvantage cards and we used them as our primary cards, putting thousands on them each month and paying the balances each month. We WANT to use the cards for purchases, including utility bills, phone, etc. as we WANT to earn miles with XXXX. Why would a credit card company NOT want me to use their cards for purchases? If this does n't get resolved, then Citicard will have lost XXXX consumers for life and we both lose, me and Citi. For now, we have ceased using our cards unless we can come to a resolution.
I would like a judge to decide if XXXX XXXX XXXX followed the law during my stay as a tenant. My rent at XXXX XXXX XXXX was {$860.00} a month. XXXX XXXX XXXX evicted me after I paid the apartment {$32000.00} in rent and {$3000.00} in late fees from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX charged me late fees exceeding {$50.00}, {$300.00} fees for evictions and {$1000.00} in damages. XXXX XXXX XXXX put {$2200.00} in collections and an eviction on my credit report. XXXX XXXX XXXX overcharged me and caused me to be homeless. The eviction on my credit report made it impossible to get another apartment. I dont believe I received fair compensation for the money I spent at XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX   charged me {$1300.00}. 
On XX/XX/XXXX, XXXX XXXX XXXX charged me {$1100.00}. 
On XX/XX/XXXX, XXXX XXXX evicted my family and charged me {$2200.00} to return to my apartment. 
On XX/XX/XXXX, XXXX XXXX XXXX   charged me {$1000.00} On XX/XX/XXXX, XXXX XXXX XXXX charged me {$1400.00}. 
On XX/XX/XXXX, XXXX XXXX requested {$1400.00} in rent and late fees. I could not afford to pay and I was evicted. 
On XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX charged me {$1000.00} in damages. 
On XX/XX/XXXX XXXX XXXX put {$2200.00} in collections on my credit report with a company called Sentry Recovery Collections.
A company called  XXXX   XXXX   XXXX   XXXX  contacted me and told me they are going to give me a scholarship of  XXXX  . However, it was a scam and they took my money abou t 18000  . They also asked me to purchase   XXXX  gift card and also  XXXX  voucher. It was a scam and I lo st about  20'000  .   Their numbers are :
I spoke with a representative on XXXX/XXXX/2015 from EOS CCA she advised me that I was billed in error and that the debt would be removed from all three credit bureas. She also provided me with a telephone number to follow up with XXXX XXXX XXXX ( XXXX ) XXXX. I called this number and it was disconnected so, I contacted EOS CCA again and spoke with XXXX with Consumer Complaint who advised me to send them a email or fax for the phone conversation to be investigated. They have been billing me for several years and after numerous credit bureas disputes they are still knowingly reporting misinformation for a debt that does not belong to me. I received a bill under XXXX XXXX which is not my name and or debt. I would like to have them remove this debt from all three bureas immediately.
I co-signed for my daughter on a mobile home and filed bankruptcy in the year of XXXX on the account but the account number was somehow changed. Therefore, a collection agency still continues to harass me for the debt. ( My daughter has since then moved on leaving a balance owed. ) The collection agency has been given this information as well as credit bureaus but both have ignored the complaint. 

Please help me resolve this issue. 

Thanks in advance for any help you can give me.
i bank at chase bank, on XXXX a transaction was debited to my acct in the amt of XXXX the debit still showed pending on XXXX @ XXXX. chase bank posted the debit, plus charged me a XXXX overdraft fee. my payroll came into my acct at XXXX. this is not the 1st time I 've had this problem with chase bank. they had to reverse some fees in 2015 when they did my acct like this. they post pymts and will back date the date that it posted so they can charge an overdraft fee. this is going to cause my acct to be in the negative once my other bills come into my acct.
I was told by Navient that I could lower my interest rate by .25 % for signing up for automatic withdrawals/payments. I did so the day before my bill was due. Previously, I could make a payment before my payment due date and it would not turn into forebearance because the date of payment was before the due date, even if money was not transferred until after the due date. However, Navient pushed my account into forebearance for the 3 business days it took for automatic payment to start. This resulted in several XXXX dollars of default interest accrual. I called and requested assistance, as I had never before had this issue and certainly had never defaulted on my loans. Nevertheless, Navient essentially told me that it was my fault for not realizing that he date of payment would not matter for automatic withdrawal, only for standard payment. Several XXXX dollars for ( an extra XXXX $ / month for the next 6 years ) because they did n't take the money out of my account fast enough seems really unfair.
I was trying to close my BB & T checking account but was unable to do so because there was no way to contact customer service. All phone numbers led to an automated system where I can not talk to someone to close my account.
A Wells Fargo savings account was opened without my authorization on XX/XX/2009. My personal information, address and social security information was used to open a bogus and fraudulent account ( " Goal '' savings account ) in my name with my personal information. Evidencing this is the letter dated XX/XX/2009 calling for my signature. 
How can an account be opened without my signing for it? Where did the initial funds to open this account come from? I kept the letter because I thought at the time if I ever needed proof in the future that I did not authorize the account or the funds that were transferred to it, the letter would be proof enough. 
In sum, a fraudulent account was opened using my personal information without my authorization and with unauthorized funds. If I were to commit an egregious act such as this, I would be put behind bars.
The relationship between a customer and the bank it 's based on longtime trust, client 's record and routinely transactions. We have been loyal customers with Wachovia and ever since the transition to Wells Fargo. The bimonthly payroll it is already a tradition of several years. Two branches in particular we 're accustomed to are XXXX branch and XXXX XXXX, both in FL. Never had any significant issues. On XXXX XXXX, 2016 when doing our routinely transaction, the branch manager at the XXXX XXXX location she refused to perform the usual transaction. Our checking balance as usual, the same payroll check, nothing out of the ordinary. Additionally, when trying to understand why this manager would refuse to perform the transaction, she addressed us with an irritated attitude that was far from professional and has forced us to avoid this branch in the future, perhaps even transfer our business to a different bank.
I recently had my accountant go through my past statements, and we came upon XXXX charges that did not ring a bell. We could find no record of my having ever dealt with either company and upon a cursory investigation found that they were XXXX timeshare resale companies located XXXX. Because I had never heard of, or done business with these companies I filed a fraud claim with XXXX @ XXXX where I spoke with XXXX in the fraud dept. The companies in question were XXXX XXXX and XXXX XXXX going by the name of XXXX. The first charge was for XXXX on XXXX and the second was for XXXX on XXXX I explained that I did not know who these companies were, and did not make the charges in question. XXXX cancelled my existing card because they said it was being noted as a fraudulent charge and credited the charges back to my account on XXXX Today XXXX I received a phone message from XXXX stating that after looking at my statements they noticed some charges I had made while we were vacationing in Florida around the time of the first charge so they were assuming that I had made the charge and were making me responsible for XXXX charges. This is the most ridiculous thing I have ever heard, it is like saying I was in XXXX vacationing on XXXX so I therefore must be connected to the terrorists. I did not receive anything in writing from XXXX yet, only this vague and ridiculous message. If XXXX wants to investigate something why not investigate the fraudulent companies who charged my card without permission and I am sure did the same thing to others, this is the first complaint thatm XXXX has received regarding these companies? Highly unlikely! I will be calling back into Visa with my Attorney on the line with me this week, I just want the CFPB to know how XXXX is shirking its responsibility to consumers regarding the Federal Fair Credit and Billing Act. Because I was in a geographic area where these companies may or may not have been located, I am not going to accept XXXX 's word on that fact, my card company is going to try and make me responsible for charges that I never authorized or took part in? Absolutely unbelievable behavior, I am sure once this matter is settled in my favor I will never be a customer of XXXX ever again. Perhaps my information was stolen or compromised while we were on vacation, I do not know, but for XXXX to try and make me the bad guy is unconscionable. Someone at XXXX is either lazy or incompetent or both to make such a broad assumption with zero facts to support that position.
I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
On XX/XX/XXXX, I requested a credit report from Equifax and received the report which is XXXX. In reviewing the report, I noticed that there were comments ( 1 ) as follows : XX/XX/XXXX - Foreclosure process started XX/XX/XXXX- Paying under partial payment agreement XX/XX/XXXX - Paying under partial payment agreement I have never been involved in any foreclosure with the properties that I own, so I do n't know where this is being reported from. Since there was no information on the report to indicate where this was coming from, I contacted Equifax and they told me to contact XXXX which supplies the information. Neither company could provide any information as to where this was from, so they advised that I file a complaint with the CFPB. 

My intent is to get this removed from my credit report. Please advise.
I had opened a Coinbase account in 2015, when I was residing in the US and stopped using it that same year. My email account used for login and 2 step verification was deleted, so I lost access to my Coinbase account.
When I first contacted Coinbase to recover my account based on my personal information, they sent me an automatic message saying that they were having a heavy load of issues to solve, and giving me a list of links to try to solve my problem.
The only way for me to recover my account at this time is by contacting an actual customer service agent, who will look at the new account I created, and the documents I submitted for ID verification, and to link both of those accounts so I can recover my bitcoins.
I have been contacting them every other day for more than 3 months and got absolutely no answer from an actual person.
I need these Bitcoins back. This is my money we are talking about, not some joke.
I would appreciate some help, if possible.