WillisBack/dataset-financial-user-claim huggingface dataset:
Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with XXXX ( XXXX XXXX  ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" XXXX sent a 1099-C in XX/XX/XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently XXXX/XXXX XXXX is in violation of Federal and State of Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge. 
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the  creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is attached.
after trying to receive a loan through XXXX XXXX loan i was told that there was a security freeze on my equifax file, i proceeded to contact equifax where they asked for me to fax over a copy of my social and my drivers license. After having done that i called them back a few days later and was told that everything was clear. I tried getting the loan again and i was faced with the same issue again that there is a freeze on my credit file. I contacted equifax again and this time i was told that i dont even have a credit file with them. So if i dont have a credit file then what freeze was removed??? contacted my banks and credit cards and was notified that my credit is being reported to equifax. proceeded to make 3 calls and talk to 4 different supervisors at equifax and still no luck i was told that i need to contact my banks again and wait 90 days for it to process.
The issue is with the company Rushcard ... ... I have gone over a week without accessing my funds due to a technical glitch in their system upgrade. tried to contact Customer Service on several occasions was on hold for a very long time and hung up on by customer service
About 3.5-4 years ago I contacted Navient to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX XXXX  and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with Navient and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was 44 months ago.
I have received several phone calls from XXXX. Finally after multiple calls I answered it. To keep it short when I started asking questions regarding the debt, and inquiring who the original creditor was, I was met with refusal to give me the information. I was then threatened with legal charges that could " result '' in me being arrested. I was then transferred to a XXXX XXXX, at that point I was finished discussing as it was getting no where. I asked for information to forward my written statement requesting any further contact be through the mail, XXXX XXXX would basically not allow me to speak and ask questions I was told the following. 
1. I needed to grow up and pay my bills and that not to waste my time sending such a document as they were going to file suit immediately and that he makes more money in an hour than I do in a year so that meant he did not have to explain anything to me. 
2. When I tried to again inquire about the original creditor he gave me information but then called me a laundry list of inappropriate names such as a XXXX and a " worthless piece of trash '' I will admit at that point I said a few choice things, but when backed into a corner you tend to react. 
3. He kept hanging up on me simply because I wanted to dispute the amount being asked for as I know I do not owe that much, hence asking for the original creditors information. 
4. I called back several times and was told not to call again or he was going to file harassment charges on me. 
The last time I checked I have a right to question any debt I am said to owe, I also have the right to be treated fairly and with respect. I was not aware that a collection agency was allowed to speak to their customers in such a manner to degrade them in order to attempt to collect a debt. I would have recorded the conversation but I know the laws in Florida do not allow it without the consent of the other party and I knew they were n't going to consent to that.
A dispute developed between myself and XXXX XXXX XXXX ( now called XXXX XXXX ) regarding a delay in completing a residential construction project. They cut-off loan disbursements without any prior notification, including for costs already incurred. To resolve the dispute I provided an updated construction plan that was agreed to by both sides on XX/XX/2018. We proceeded with construction under the new plan. 

On XX/XX/XXXX XXXX announced undisclosed stipulations of a {$500.00} fee and additional inspections to be a part of the agreement. I rejected these additional stipulations on XX/XX/XXXX. 

On XX/XX/XXXX XXXX  made unauthorized hard inquiries on my credit report and also on my wife XXXX, possibly as retaliation. I informed XXXX on XX/XX/XXXX this was unauthorized and that they needed to stop doing this, reverse the inquiries and notify me this was done. They did not acknowledge this communication, nor address my concerns when I called on XX/XX/XXXX, nor acknowledge an additional mention of the problem on XX/XX/XXXX. 

XXXX also transferred the loan in question out of the local office, and also transferred an unrelated loan, possibly also as retaliation. I asked that they return the unrelated loan on XX/XX/XXXX, but they did not acknowledge the request.
This is my second time using cash central. When I paid off the first time they needed me to call them and have a  three  way conference with my bank to prove I paid. This time I called and emailed my verification 3 times and they will not approve my payment even after it was taken out of my account. I am not sure why they can not find out if I paid on there end. I think it is shady that they need to go through this strange process.
Coinbase sold my bitcoin and didn't give me the proceeds. 
Coinbase 's records show for XX/XX/XXXX, a sale of XXXX bitcoin for {$49000.00} using my XXXX XXXX account. The transaction is marked as " completed '', but as of XX/XX/XXXX no funds have arrived at XXXX. Reference code XXXX. 
( Screenshot XX/XX/XXXX at XXXX.XXXX  ) .-.-.-. 

Previous sales of bitcoin resulted in successful transfers of funds to that same XXXX account on XX/XX/XXXX, XXXX, and XXXX, so a failure of the ACH transfer process is implausible. 
.-.-.-. 
My attempts to recover the missing {$49000.00} : .-.-.-. 
XX/XX/XXXX : I inquire through Coinbase 's online support system about the missing {$49000.00}. The case is assigned Case ID XXXX. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : Coinbase email tells me someone is " working with a specialist '' to address the problem. 
.-.-.-. 
XX/XX/XXXX : I ask by email when I might expect to hear from Coinbase. 
.-.-.-. 
XX/XX/XXXX : I phone Coinbase 's support number, but can not get any concrete information about schedule. 
.-.-.-. 

Previous history that might be relevant : XXXX. 
A previous mixup on Coinbase 's part might have contributed to the present problem : .-.-.-. 
XX/XX/XXXX : I sell XXXX bitcoin from my Coinbase account, which should result in a deposit of {$49000.00} into my XXXX account. No money arrives. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : Coinbase notifies me by email that " this transaction [ ... ] was canceled by your bank '', and restores the XXXX to my Coinbase account. I visit my bank, where energetic inquiries can not find any evidence that a deposit was attempted. Alarmingly, the email is phrased in a way that suggests that Coinbase thought I was purchasing, not selling, the XXXX bitcoin. 
.-.-.-. 
XX/XX/XXXX : I email Coinbase to point out, emphatically, the possibility that they had mixed up buying and selling. 
Case # XXXX. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : I start moving bitcoin from Coinbase to a different bitcoin exchange, XXXX. My first tentative transfer is at XXXX PST. When I attempt to transfer the rest of my bitcoin, at XXXX PST, I notice that about 3 bitcoin are missing, and that a transaction has been recorded for the sale of XXXX bitcoin and the deposit of {$49000.00} to my XXXX account. This is the deposit that was never made. 

( ( Hey, CFPB webmaster : this would be much more readable if you gave us some formatting ability. ) )
Back in XX/XX/XXXX i was sent a letter from a company called " XXXX ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was Springleaf Financial ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with XXXX citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my XXXX report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from XXXX, i also got a letter last week from a company called " XXXX '' who claim they manage the account with XXXX. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company XXXX advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.
I was tricked into getting student loans through XXXX to continue my education at XXXX from XX/XX/XXXX to XX/XX/XXXX. The degree was a total scam because I the instructors where not certified in the field of study I was in. I was not able to hold a job because my skills were sub par. I have not been able to find a job in my field, now my loans have accrued to an ridiculous amount. Now Navient calls me non stop to pay my loans. I am applying for XXXX, only to find out I can not because of my loans. In interest alone, I am in debt over {$70000.00} dollars!!! I do n't know anything about how this works and I feel like I just ca n't get out of this hole. Please help someone! I have a wife and XXXX daughters that need me to be in a position of good standing. I feel like no one at Navient cares enough about me to help. I 'm just another number to them.
These are the only 2 places I have lived in the past XXXX years. XXXX XXXX XXXX,XXXX, IL XXXX
XXXX XXXX XXXX,XXXX XXXX, CO XXXX-XXXX.

Therefore I could not have been at XXXX XXXX-
XXXX  XXXX XXXX #XXXX**** 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 
(XXXX) XXXX
Placed for Collection: XX/XX/XXXX

COLLECTION AGENCY/ATTORNEY
Balance:
$XXXX
Date Updated:XX/XX/XXXXOriginal Amount:
$XXXX Original Creditor:
XXXX XXXX (Rental/Leasing)
Past Due:
>$XXXX<
Pay Status:
>In Collection<
 
Also I have never done business with XXXX XXXX. 
I was not in the state when this was filed.
XXXX XXXX with Freedom Mortgage will under no circumstances will not return any phone calls. Since XXXX ; she'll call me when she needs financial documents that day. I've called five times in eight days requesting final documents. Yet she still hasn't responded in any form. Her actions, or lack of, has caused financial strain. Due to my property tax due.
I held a credit card with Citibank for which an annual fee was billed to me on XX/XX/2018. A couple of weeks later ( on or around XX/XX/XXXX) I discovered that Citibank had unilaterally closed all of my accounts with the bank.

When I called Citibank to discuss the annual fee after learning my account had been closed, the representative informed me that since the account was closed within thirty days of the fee being billed, the fee would be automatically refunded.

When the following statement came with the amount still listed as past due, I promptly called Citi and a representative assured me the refund would be issued on my next statement. Of course, that didn't happen either and when the next statement came, I was pretty upset to see the amount still being billed to me.

As a result of my next call to Citibank Customer Service on XX/XX/XXXX, I was informed that " since the account was closed, the membership fee will be credited within 1-2 billing cycles. '' My latest statement still showed the amount past due, but since the previous phone rep had quoted me at 1-2 billing cycles it seemed pointless and unnecessary to call customer service again.

I happened to log into my online account this evening for an unrelated matter, however, and saw a notice that the account in question is now being sent to collections.

I have attached my statements related to this account since this issue began ; however, please note that Citi 's statements do not accurately reflect that the account is closed. Each statement shows an available credit limit of {$5000.00}. Therefore I am also attaching a screenshot from my online account that correctly indicates the account is closed.
This is a XXXX XXXX Private Loan which just went back into payment status XX/XX/XXXX when my Bankruptcy was finally discharged XXXX Chapter XXXX ). I made a payment arrangement last summer were I was paying {$40.00} or {$50.00} a month. I started to receive harassing calls from Navient XXXX XXXX XXXX is XXXX Navient XXXX. I did n't know who they were and did n't identify themselves. I finally found out XXXX XXXX and Navient are XXXX and the same, but XXXX hand does n't know what the other hand is doing or receiving. Navient did n't want to honor the payment agreement. I am permanently XXXX receiving Social Security, I can not afford full payments. I received harassing phone calls as did my XXXX year old co-borrower/grandmother, we are both XXXX and ill, we do not need the nasty phone calls. I sent XXXX letters to XXXX XXXX and Navient per the Fair Debt Collection Practices Act regarding no more phone calls, correspondence only, the letters were faxed and mailed. I received a phone call on my cell phone which I told them to remove because I never provided them with my cell phone number nor authorized them to call my cell phone, they left a message on that line, not verifying that, that was indeed the line that I used and after the fact that I sent the Fair Debt Collection Practices Act Letter, this was on XXXX. On XXXX my co-borrower, XXXX XXXX, my grandmother received a call from Navient from a male who would not state his stating he was going to call her all day today and tomorrow, once again after the Fair Debt Collection Practices Act Letter signed by myself and my grandmother was faxed and mailed to Navient on XXXX. The XXXX XXXX letter was sent on XXXX. They are in severe violation. My stress level and mania has increased and the XXXX XXXX and stress level of my grandmother. This is not fair that corporations can take advantage of people. I have done what their " Advocate Department '' has asked me to do as far as providing documents from my doctor to possibly have this debt discharged and I am still being harassed and they are not abiding by the Fair Debt Collections Act.
I had originally had XXXX HELOC accounts with XXXX XXXX, XXXX for {$110000.00} opened in XX/XX/XXXX and another XXXX for {$65000.00} opened in XX/XX/XXXX. These loan went delinquent and were ultimately settled. BOTH of these accounts have MORE then 7 years since date of first date of first delinquency and should therefore not be reporting on my credit file. PNC, which took over XXXX XXXX, has engaged in an illegal practice called " re-aging '' to indicate as if NEW delinquencies had occurred on the FIRST of these XXXX loans and therefore it IS updating on my report as if I 've RECENTLY become delinquent on it while in fact that account has had NO activity for the longest time.
In XXXX of XXXX, my car went missing from a parking stall. It was a XXXX XXXX. I assumed that the car was towed because I was in a tow parking spot, in which I did not have the money to pay them so I did not think twice about trying to figure out where it went. A few years later i found out that my car was taken by XXXX XXXX XXXX, which is a pay day loan place for cars. I explained to the representative that I never got a pay day loan on my car and requested documentation on the car that showed where I got my car from. The lien on the car was for rougly {$3000.00} and and they wrote off XXXX and is still reporting a balance of XXXX. All of which I do not owe because I never took a lien out on my car.
Reference XXXX Over the past few months there was an issue ( and reported to you and file was apparently closed ) regarding XXXX. There was information that was not correct and was finally determined it was due to an address change that XXXX did not make letting my account go past 30 days, first time in 30 years! XXXX notified me the issue had been resolved and they apparently notified the credit reporting agencies so they could correct the information that would allow my previous XXXX scores that were in the XXXX 's to be update. XXXX and XXXX both sent updates and both showing the XXXX  score corrected. Experian continues to show the old XXXX score ; I have notified Experian twice and have never gotten a response and they have a responsibility to do what the others did. Do not know what to do, this has been a very costly and intimidating experience over the past months and yet Experian continues to be the last to address the issue and get it corrected.
I had a complaint that was filed through the CFPB on XXXX. They used to Be IDA. XXXX failed to tell me in there long winded response if it was still frozen. My prior address was XXXX XXXX XXXX XXXX XXXX, MN XXXX when I froze this report. I faxed all documents to XXXX. Way back. If IDA went under a name change that does not mean my credit file should still not be frozen. I want the CFPB to see previous response. They did not address if my file was frozen.
My brother passed away on XXXX XXXX, 2015. I was chosen by him to be the personal representative for the estate and XXXX of the beneficiaries. I had no authority or access to his funds until the probate went through county court. I called several of the companies that my brother did business with and informed them of the situation including M & T Mortgage. M & T Mortgage told me they could not speak to me until I had provided official documents from county court that I was the personal representative. I faxed them a death certificate and asked them to notate on the account that my brother had died. I gave them my cell phone number for any necessary communication about the estate. In late XXXX, I was officially appointed by the court to be the personal representative. I promptly faxed M & T Mortgage the document and waited the required 48 hours for them to process the fax. After contacting them, they claimed they did n't have any records of my fax, so I faxed it again. After waiting another 48 hours, I spoke to a representative. They agreed to waive the late charges under the circumstances and accepted my payment to get the account up to date. I had done everything possible to handle my brother 's obligations. This payment was made before 90 days after the account was delinquent. According to M & T Bank, there would be no foreclosure proceedings before 90 days after the first payment was delinquent. The next payment would be due XXXX XXXX. In the process of going through the house and getting it ready to put on the market, I noticed the lawn had been mowed, the water was shut off, some items were missing from the house, and the door had been re-keyed with some paddle locks on other doors. We corrected this problem and figured a vagrant had attempted to live there. We informed the neighbors and were all prepared to call the police if there were any more intrusions. We proceeded to sell the house. It closed on XXXX XXXX. When we received the payoff quote from M & T Bank it had late fees and XXXX extra charges with no explanation. XXXX charge was for over XXXX dollars. My realtor and the title company were baffled. I called M & T for an explanation and they claimed that I was n't authorized to act on the account. The title company faxed them my documents ( this was now the third time! ) They now claimed that they could n't speak to me for 72 hours. I was faced with a buyer who was in a hurry to close, and a realtor and title company that would be faced with a bunch more work to reschedule the closing. I felt there was no other choice, but to authorize the payment and confront M & T Bank after the fact. Based on the horribly disorganized and possibly shady activities of this bank and the fact that after all this time, I am still not able to talk to them, I am asking for help. It was bad enough that we lost a dear loved one, but now we have to deal with this. I acted promptly and honorably in every situation with his estate. This company appears to want to take advantage of our loss.
On XX/XX/2018, I attempted twice to purchase {$100.00} in ETH from CoinBase.com. Both transactions were cancelled by the bank and while no digital currency was added to my account, {$200.00} was debited from my checking. {$100.00} was eventually returned to my account, leaving {$100.00} still owed to me. I have since contacted support and received no response.
Equifax has failed to investigate multiple queries coming from XXXX back. 
those queries comes from the follow dates:XXXX/XXXX/2015XXXX/XXXX/2015those queries has been already investigated and all I get its a generated statement rather than a explanation of the nature of the queries.