WillisBack/dataset-financial-user-claim huggingface dataset:
InXX/XX/XXXX, after seeing an offer for a 0 % interest on balance transfers to my XXXX card I decided to transfer {$1200.00} from my XXXX credit card, the account ending in xxxx, to my XXXX card. The requested transfer appeared on my XXXX card on XX/XX/XXXX. Around the same time as I arranged for the transfer, that XXXX card ( xxxx ) was compromised and cancelled and replaced with the account ending in xxxx. I called both Comenity and XXXX and was assured that despite the original account being closed, that any transfers would automatically go to the new account.
In mid XX/XX/XXXX I called both Comenity and XXXX as the transfer had not yet appeared on my XXXX card. I was told by one of the Comenity representatives that it may take as long as 21 business days for the transfer to go through.
On XX/XX/XXXX I again called both Comenity and XXXX as the transfer had still not appeared on my XXXX account. On XX/XX/XXXX Comenity put a provisional credit on my XXXX card while they investigated this.
I made several more calls in XX/XX/XXXX to both Comenity and XXXX and each time was told I needed to talk to the other of them about this. OnXX/XX/XXXX I received a letter from Comenity stating that the transaction had been completed to XXXX XXXX XXXX with check number XXXX. Now I understood the problem since I had asked for a transfer to a XXXX XXXX account and I do not have any accounts with XXXX XXXX XXXX.
I again contacted Comenity and was told I needed to submit a dispute, in writing, which I did once I received the forms.
I received a letter datedXX/XX/XXXX, saying that Comenity would again give my account a provisional credit while investigating this. After the account did not show the credit I sent a message and received a reply stating that my account is no longer considered in dispute.
I put in yet another dispute through Comenitys secure message option. I received a message back stating that they would again give my account a credit while they investigated. They did give my account the credit and I heard nothing further from them until I logged into my account on XX/XX/XXXX and the {$1200.00} was again on my card as a balance owed.
I sent another message through their Secure Message option, XX/XX/XXXX, stating that I am still disputing this since I never got the benefit of this transfer. I would not dispute paying what I owe BUT I did not get the benefit of this. Someone, not me, at XXXX XXXX XXXX is enjoying {$1200.00} that they are now asking me to pay back. I requested that they do something about retrieving their funds from XXXX XXXX XXXX and cancel the transfer all together and take the {$1200.00} off of my XXXX  card.
I have since paid off the XXXX card, on my own, that I had wanted the balance transfer to go to. All I want is for them to admit they made an error and take that {$1200.00} off of my card and stop expecting me to pay something I really do not owe them.
To whom it may concern : XXXX, Citi Bank N/A, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX
I TALKED TO EXPERIAN SPECIAL HANDLING DEPARTMENT SEVERAL MONTH BACK IN XX/XX/2018 CONCERNING ACCOUNT SHOWING UP ON MY CREDIT FILE WITH A ADDRESS IN XXXX SOUTH CAROLINA. EXPERIAN PULLED MY FILE UP AND STATED DO YOU LIVE AT XXXX XXXX XXXX, XXXX SOUTH CAROLINA XXXX, I STATED NO! I TOLD THE FRAUD AGENT I HAVE ALWAYS LIVED IN NORTH CAROLINA MY WHOLE LIFE. THEY DISPUTED THIS ACCOUNT AND ADDRESS AND IT CAME OFF WITHIN ONE WEEK. I CALLED BACK AND ENDED UP TALKING TO A LADY NAMED XXXX IN THE SPECIAL FRAUD HANDLING DEPARTMENT AND SHE STATED THE ACCOUNT IS BLOCKED AND IT WILL NEVER REPORT AGAIN. NOW EXPERIAN IS SAYING MY POLICE REPORT AND FTC REPORT IS NOT TRUE. THAT WAS A SLAP IN MY FACE!!!! ONE THING I HAVE NEVER DONE IS LIE!!! I WAS RAISED BETTER THAN THAT. I WAS A HEAD JUDGE FOR 30 YEARS AND HAVE A GREAT NAME IN MY STATE OF NC. I CONTACTED THE POLICE AND SHERIFF DEPARTMENT CONCERNED ABOUT THIS ISSUE WITH EXPERIAN SAYING I LIED ABOUT THIS POLICE REPORT. THEY STATED ( DEPUTY XXXX XXXX ) ITS AS REAL AS REAL CAN BE. NEXT IS IM FILING LEGAL ACTION AGAINST EXPERIAN AND XXXX XXXX FOR ALLOWING SOMEONE TO USE MY CREDIT WITHOUT MY PROMISSION. XXXX XXXX  CANT EVEN SHOW ME THE CONTRACTS AND EXPERIAN KEEPS INVESTIGATING IN OVER AND OVER AGAIN AND NEVER SHOW RESULTS. THEY REMOVED XXXX XXXX XXXX, XXXX SOUTH CAROLINA XXXX AND THE INQUIRES FROM THIS LOAN BUT WANT REMOVE THIS ACCOUNT FROM MY FILE, EXPERIAN STATED THE ADDRESS IN S.C. WAS REMOVE AND INQUIRE WAS REMOVED AND BLOCK AND WAS FRAUD!!! BUT NOT THE ACCOUNT IT WAS SET UP UNDER. I WANT IT REMOVED OF LEGAL ACTION WILL BE FILED ON XX/XX/2018. THIS IS ABUSE TO A SENIOR CITIZEN ( I'M XXXX )
I HAVE BEEN TRYING FOR A WHILE TO GET THIS RESLOVED SO I AM TRYING AGAIN - I HAVE NEVER GONE TO XXXX XXXX AND THEY ARE TRYING TO COLLECT ON SOMETHING THAT WAS NEVER PROVIDED -
Based on the following Washington XXXX XXXX I attempted to open an online checking account with CapitalOne 360 : Capital One to stop using program to weed out customers with history of account overdrafts By XXXX XXXX XXXX XXXX, 2014 Capital One Financial said Monday that it will no longer use a popular screening program to weed out potential customers with a history of overdrawing their accounts, an industry-wide practice that has pushed thousands of people out of the banking system. 
Unfortunately, after providing some basic info to the CapitalOne site, I received the following message : Looks like we could n't open your account. 
Be on the lookout soon for an email with more details. 
We know this is n't the news you were hoping for. We declined your application based on information we received from XXXX a consumer reporting agency. We 'll send you an email shortly with more info. If you have questions in the meantime, you can contact XXXX at XXXX or XXXX a new window. 
It appears that CapitalOne is still denying applicants based on XXXX and I wish to file a formal complaint for non-compliance by CapitalOne.
I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate and incomplete. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
1. Account opened in XXXX/XXXX/XXXX however no payment history from XXXX. 
2. Account sates no last payment. Account states first delinquency in XXXX. However, payment shows payment received in XXXX. No account history from XXXX XXXX current.
i went into chase back to get change the teller asked me for proof that i had a chase account in order to give me change i gave her my chase credit card as proof she gave me the change when i got home i was looking at my account online as saw that she took out {$100.00} out of my credit card as a cash advance when in fact i did n't withdraw any money i went into the branch they acknowledged that the teller had more money in her draw then she was supposed to have and that they will credit me as soon as the charges clear on my account i called the branch a few times trying to speak to the manger with no call back as of yet and no credit
I had a loan for a XXXX XXXX at XXXX XXXX I lost my job and fell behind. I got another job and they had already sold it to AD ASTRA RECOVERY. I paid them XXXX now Ad Astra refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong
statement is attached with this complaint. 
bank charged multiple overdraft charges, they cleared the larger checks first and pushed the account in to overdraft, they did not pay the lower amounts first. i should have been charged overdraft fees only once, rather than multiple times. i believe this is creating you to pay too much extra money. they have unjustifiably charged me about ten times the fee. also they charge extended overdraft fee. 
this has been happening for several years, i have talked to the bank on multiple times, they continue same practices. this is very negative and detrimental to consumer.
This is in reference to DISCOVER FINANCIAL credit card # XXXX in the amount of or close to {$12000.00} has far exceeded the XXXX time statue since there has been no activity, payments and or dialogue affiliated with this account in more than ( 6 ) years. I would like for Discover Financial to contact Experian and or other credit agencies to remove this negative Mark from my credit report immediately and or to issue me on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO TO PERSUE LEGAL REMEDIES. 

DISCOVER FINANCIAL ( their account # XXXXADDRESS : XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXXPhone : ( XXXX ) XXXX
I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Experian however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Experian and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Experian and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.
XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX/XXXX  :XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I have called each credit agency as well as creditors and nothing has happened
CitiMortgage, Inc. has a credit-line/mortgage of around {$500000.00} on my home at XXXX XXXX in XXXX, NJ XXXX. Loan number XXXX # XXXX. 
I also have a {$400000.00} second credit-line/mortgage with XXXX. 
Since the financial disaster, values of houses had decline rapidly and have not returned to their value. 
My house is valued to date at around {$700000.00} - thus it is considered " under Water ''. 

I have been disabled a few years ago and my income has been greatly diminished. I currently get Social Security Disability income and some private disability insurance ( Expiring in 9 months upon my becoming XXXX. ) My wife, a psychologist, who was a principal of a school, lost her job recently as well. 

We are safe financially but are not able to pay the full rate of payment for both mortgages. Accordingly, since we are struggling, I applied for loan modification with Both ; Citimortgage and XXXX. XXXX approved me for a loan modification immediately, upon my first application, over two years ago. 
Citibank, on the other side, had been slow to respond and amidst a bad faith process, had denied me four times so far. 
I reported on their practices, but it is only this time, on my fifth application for loan modification, after replacing XXXX loan coordinators, did it come to my attention that I have been badly classified all together. 

In my conversation with my new loan officer, XXXX XXXX XXXXXXXX, told me that Citi is listed as SECOND lien on my house Loan. 
Accordingly, the XXXX ration, which was the basis for my denial, at 55 %, should not have applied and I should have been approved, since my XXXX has been far above the 31 % that FIrst lien mortgage applicants need to have their loan modification approved. 
In addition to many other wrong doings, such as requesting documents that do not relate to me, keep being requested, even after I told and wrote, numerous parties that they are NOT the one reporting on my taxes or that have any reference to me, they still pursue it. 
When I called supervisors and they told me that they would discuss it with the underwriters, my case was closed. 
At present, I demand that CItimortgage rectify its records, confirm my loan as first lien and approve my many a [ pplications that qualified, without starting yet another course of documents demands. 
I have been submitting everything requested, and every time they change a loan officer, new underwriters ask everything the same updatged. 
6 months later -I am at the same stage, without progress. 
Citimortgage 's records and methods of communication aside - my case is not straight forward and I request it being corrected without losing more time or new applications. 
Thank you XXXX XXXX and XXXX XXXX XXXX
On XX/XX/XXXX, I attempted to log into my Coinbase.com account. Because I had not used it in a long time, I no longer had the two-factor authentication app to complete the login. I utilized their identity verification service on both XX/XX/XXXX and XX/XX/XXXX to attempt to regain access to my account. In both cases, I was notified that verification had completed successfully, but the two-factor authentication prompt was not removed as it was supposed to be.

On XX/XX/XXXX, I contacted Coinbase support via e-mail to resolve this issue. They told me to go through the ID verification process a third time. I did so as soon as the service was working properly ( XX/XX/XXXX ) and never received a response. After waiting a week, I tried again on XX/XX/XXXX. I have still not received a response to either of these verification requests.

I have been prevented from accessing my virtual currency for 15 days at this point, and my only way to contact the company to help is via e-mail. They can take days to respond and the responses appear to be pre-written messages that do not help my situation.
I am filing a complaint against Ocwen Loan Servicing XXXX for Improper Record Keeping : Failure to post payments to account in a timely manner and Overcharging {$290.00} : Charging for Property inspection Fee {$12.00} and Valuation Fee {$280.00} claiming account was delinquent because of their Improper Record Keeping. 
This is a list of my payments1. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXXPayments for XXXX & XXXX were sent to XXXX because I accidently put the wrong account # XXXX ( Account was paid in full ). It took Ocwen 3 months to get it applied back these funds {$2300.00} ( XXXX payments of {$1100.00} each ) to my account. Ocwen reps were nasty and rude each time I called. XXXX sent the money back on XX/XX/XXXX. After several calls, Ocwen posted the money to suspense account instead of payment account on XXXX/XXXX/XXXX. XX/XX/XXXX {$1100.00}. XX/XX/XXXX {$770.00} Told to pay by Ocwen CSR since the principal was deferred and the payment decrease {$10000.00} ( credited to suspense account ) not to payment account Ref # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX was returned by Ocwen claiming my account was overdue because Ocwen refuse to post the payment from XXXX. Note this payment was replaced on XX/XX/XXXX with Ocwen Rep on the phoneXXXX. XX/XX/XXXX {$1000.00} thru XXXX Reference # XXXX ( NOT POSTED TO ACCOUNT ). The voice record says my account is behind. My account should be current if Ocwen post all payments to my account in a timely manner.
I received credit alerts notifying me Fair Collections & Outsourcing , Inc . 
was reporting a debt owed under my name for {$700.00} upon contacting the company I was informed it was from a apartment complex ( XXXX XXXX XXXX ) located in XXXX, GA that I never applied for or lived in. I submitted the info they asked for to clear my name and have the account removed from my credit but so far I got no response. Both the collection agency and Apartment complex refused to give me any information of send copies of the original application. this fraudulent account is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.
XXXX, XXXX  and Equifax are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.govXXXX I also have received a notification from the law firm about class action that Equifax lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices.

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.
I have XXXX PayPal accounts. PayPal restricted all accounts in XXXX 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait it out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$180.00} in it. Another account is XXXXXXXXXXXX. It has {$310.00} in it. The last account is XXXXXXXXXXXX. It has {$700.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, XXXX XXXX
I have repeatedly asked for an original contract ( front and back copies ) from DISCOVER BANK to which this day I have NOT received and this request was sent on XX/XX/2016. I directed my request to the Chief Financial Officer XXXX prior to a now existing lawsuit claim against me by XXXX. I asked for an original contract because I suspected fraud on the account in which DISCOVER BANK may have materially altered said contract for a profit but without my consent ( Securitization ). Instead of responding, I 'm thinking the alleged account was assigned to XXXX which would require another contract. I have a right through the privacy act to know how my information is being used.
I recently discovered that I was " enrolled '' in a credit card protection insurance plan for my Macy 's credit card. I called and cancelled the plan, but discovered that I have been enrolled in the plan since the date that I applied for the credit card in XX/XX/2009, and have been paying this " insurance '' for close to 8 years and have spent a total of {$290.00}. I believe the insurance/credit protection company is called " XXXX direct, XXXX, and they are affiliated with Citi Credit Cards. I called to obtain their exact name, and even this was an issue. They informed me that their name was " XXXX '' affiliated with XXXX. They claim that you specifically enroll in this program when you apply for the credit card ; however, I would clearly never explicitly opt in to a scam such as this. I am sure that I am not the only person that is experiencing this " surprise. '' These companies should have to obtain your explicit consent to enroll you in this program, and should also e-mail/and send you monthly communications, allowing you to be aware of not only the amount of money that you have paid them, but also so you are aware that you are even enrolled in the program.
I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.     I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.     For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my  credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been  late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know th at i am anal about my cre dit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.