WillisBack/dataset-financial-user-claim huggingface dataset:
I am the son of  XXXX   XXXX . I opened a net spend account some time ago. I also opened an account with my mothers permission  XXXX   XXXX . As I take care of all her financial issues. I am the sole provider for her.   On  XXXX   XXXX  , 2017 my  sister  XXXX   XXXX  came to  XXXX   XXXX  and took my mother to  XXXX   XXXX  California.   Several days later after my mother left with my sister I received a text message stating that her card  was stolen/lost. Fi rst my mother is illiterate and can not spell and or explain herself as she had a   XXXX    XXXX .   then several days after this I received another text saying that you have been unsubscribed from our system. My mother does not know how to use a computer. This is my sister pretending to be  XXXX   XXXX . Thi s is Fraud.    Then days later I received another text saying that my account had been block for fraud.    XXXX   XXXX  sister  XXXX   XXXX  had called net spend pretending to be  XXXX   XXXX  and said that money was transferred from her account into my account. Yes it was with my mothers Permission. My sister  XXXX   XXXX  is into elder abuse and trying to get my mothers money.   I have on numerous occasion called net spend and spoke to several people about this matter and someone was suppose to call me back and no one has. My account has been blocked and I have not been able to pay my bills, My sons tuition was due last week in the amount of  XXXX  AND I CAN NOT PAY IT AS YOU HAVE MY ACCOUNT BLOCKED. No ONE HAS CALLED ME BACK and they said two days it has been a week and no one has called me. Every rime I call netspend they keep me on hold saying they are going to call me back i n two days. NO ONE  ahs.
XXXXIs reporting XXXX account I have dispute these accounts to the Experian asking them to validate the debt do to the fact that I have dont remember going to the hospital at anytime. I want Experian to tell me who they spoke to at XXXXso I can follow up with them because I dont believe the debt to be mine and I want all XXXX XXXX account deleted from my Experian credit report.
There is a unauthorized inquire on my credit dated XXXX/XXXX/2016 from XXXX XXXX. I did not request any credit from XXXX XXXX on this date, please have this removed ASAP and it 's stopping me from applying for business credit which is required. There should only be XXXX inquire on my credit report from XXXX XXXX from XXXX/XXXX/2016. 
I have attached picture from XXXX for support.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX shows a residential address on XXXX and XXXX as well. I want to no who and why this company is showing on my credit report on XX/XX/2018 report file # XXXX as to why they pull my credit under Account Reviews Inquiries on my Transunion report. I have not applied for anything with this company or given them permission or sign anything or contract giving them permission to pull seek or obtain any credit information by me or consent to pull credit. 
Transunion has no justification to why this company is listed as a residential address as XXXX XXXX XXXX XXXX XXXX CA XXXX Also Transunion should be held accountable to my credit report for damage/ ( s ) to letting a company pull my credit. Proof of my signature or consent needs to be provided by this company if there a legal company as to who sign or committed fraud under my name. Also page 11 of 12 Transunion shows the information file # XXXX date issued XX/XX/2018
I disputed via online about an account fro m United Consumers th at I did not recognize  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX ,  XXXX . They (  XXXX   ) res ponded quickly saying that the account has been verified. I called and spoke w ith two rep s. When I got to the gentleman that was the supervisor he told me that they did not do investigations if the creditor comes back and says that it is mine. I told him that is not how an investigation is supposed to work he told me that is how it works at  XXXX . He told me I am welcome to dispute it again but it will just be verified. I have tried to verify directly  with United Consumers and ask for proper verification. I have not gotten proper verification from them either. I do not understand how no one has properly verified this debt but they are verifying the information with each other. I am requesting that  XXXX  remove this collection because a proper investigation  was not done and this debt is not verifiable.
I have been a customer in good standing with Kay Jewelers for 6+ years. I have never been late on a payment and have earned one of their highest credit limits. In XX/XX/XXXX, I purchased wedding bands from Kay and the balance ended up over {$7000.00}. I have paid {$360.00} every month for the past twelve months and the minimum payment has not gone down. I called today ( XX/XX/XXXX ) to inquire if the minimum payment would ever go down and the lady I spoke with said that it would not, I had 17 more payments of {$360.00}. I verified that it was still a credit card/ revolving account and not an installment loan. She said that was correct. I asked what would happen when I paid the balance down to {$500.00}, what would happen then- she said it 'd still be {$360.00} per month til it 's paid off. She transferred me to her supervisor who repeated the same things. I asked the supervisor what would happen if I bought something else from Kay, she said it would still be the {$360.00}. She offered to lower my payments to {$210.00}, but said that it would remain {$210.00} til it was paid out. She asked what I was trying to do, I told her that I expected my account to be like it had in the past prior to my very large purchase - as the balance went down, my minimum payment went down. I believe I was fooled about the terms of my account and the payment options. I told the supervisor that I can and will pay the {$360.00}, but I should not be required to pay that amount for a set term until payout because that would be an installment loan- requiring a contract I never signed. She insisted that their policies have never changed, all of their credit accounts work this way and they do it for the " good of the customer '' to insure the customers do not pay much in interest. I finally just agreed for them to lower the payment to the {$210.00} and I will try and pay the account out within a few months. However when I went online to set up the payment- it said total due was {$210.00}, minimum payment was {$360.00}. I selected the {$210.00} option and when I went to process it, it showed I 'd have a late fee. I will probably end up paying the {$360.00} to protect my credit, but there should have been a better resolution.
Macys has been calling me roughly 8 to 10 times a day, for a total debt i have of {$170.00}, even though i have paid every month ( anywhere between the minimum payment to a few hundred dollars so that my debt can go away quicker ), and the caller is an automatic voice saying to call the number XXXX XXXX XXXX to settle my late payment. My next payment is due XX/XX/XXXX and it is XX/XX/XXXX today and i am not late on my payments. When i called the XXXX number the debt collecting person working for macys was rude and cursed me out. Is this legal? I dont even owe that much money to macys ... .i owe a total of {$170.00} and they are acting as if i owe them thousands of dollars and that i havent paid my debt in months and months or something. Please do something about the Macy 's debt collection company because its not right to curse someone out and be rude for just {$170.00}!!!
equity loan, got an equity loan in 2008, I had a loan with the same bank I wanted to refinance and pay off some credit card bills, bank is td bank, now I have a chance to refinance with a VA loan and combine XXXX mortgage and XXXX into one loan at alower rate, well td bank says that the payoff of XXXX equity loan was not recorded and want me to provide to payoff proof, i have copy of the loan payoff and that 's all, do I need a lawyer to get this fixed?.
I applied for a payday loan from Big Picture Loans. I was told that I would be paying {$280.00} in fees with the {$800.00} I borrowed. I agreed to those terms. I was told they were having a problem with sending me the paperwork electronically. 

I thought something was strange when an extra payment was taken out but thought maybe I made a mistake on when the first payment was made. When I received a message stating they were going to take another payment, I checked my account an realized they had already taken too much. I went to their website ( https : //www.bigpictureloans.com ) and was able to see the loan document ( attached ). They 're attempting to charge me {$6000.00} for an {$800.00} loan! I 'm a reasonable person and there is no way I would have agreed to that!
Mortgage Loan processor noted as follows by NMLS Number will not credit our payments for payment due XX/XX/2018. They are not providing a monthly statement electronically or by mail as we requested and discussed by phone. XXXX : XXXX
I received a letter from BSI Financial stating they were setting up an escrow account because they made a payment to the county tax office in error. I checked the county tax office and they do not show receipt of this payment. BSI states that I have a negative balance of XXXX in an escrow account. I pay my taxes directly, which is the way the mortgage was originally set up. BSI bought the mortgage from XXXX. My tax bill was paid on XXXX XXXX, 2015, by me, way before the due date. 
I have tried to contact BSI financial at XXXX, which is the number shown on the letter received. I called during the business hours listed on the letter. I can not reach a live person. 
I believe that BSI is fraudulently setting up an escrow account for money that is not owed to them by me. 
Since I can not resolve this by contacting them, I have decided to try this avenue.
In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX  assigned XXXX XXXX XXXX to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XX/XX/XXXX to  present. 

- I have explained my concerns and offered my criteria to XXXX. XXXX, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 

- Personally, I have contacted by phone many times XXXX XXXX XXXX in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with XXXX and either the 3 credit bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX
We have a business account with Wells Fargo. Today after speaking to 4 representatives and spending 1hr and 30 minutes on phone, nothing has been resolved. We last spoke to a respresentative who put us on hold and never came back. The problem is when logging onto online banking on computer it asks for us to update phone and email address. When we click update it tells us to call an number for Wells Fargo. Well we told 4 different representatives this and kept getting transferred to someone else. Nothing has changed with our phone or email so nothing needs to be updated just this message needs to be cleared. This is UNACCEPTABLE to be treated this way.
For approximately the last 10 years, I have been paying on a private student loan through XXXXNavient. I was the co-signer, my son decided not to pay the debt. The problem is from time to time I have tried to get a sheet to reflect the payments I 've made and current balance. To this day, I still have no idea what I owe. It seems like I 'm a cash cow for Navient with no end in sight. The company has refused to provide me with this information. Early on when this loan went into default I was pushed into forebearance option, informing me that my payment could be missed for 1 month.
Wells Fargo, mortgage manipulation of my FHA loan. 

I have made as many as 15 estimated phone calls to Wells Fargo to have the Mortgage Insurance removed from my loan after I paid the amount down to achieve the required LTV ratio. They keep telling me on the phone that they will do this and it hasn't happened. 

The extra money that I have paid them is repeatedly put into an " Un-applied Funds Category ''. 

My payment should be for a lesser amount and no Mortgage Insurance included in it. They take my calls but keep misleading me as a customer. 

The event should be that I have a new mortgage payment that is at 78 % of the original loan for the 3.875 % interest rate. Further that there is no longer mortgage insurance in the payment. 

The bank won't do what is required by law, and manipulates the account to their advantage. All of my additional payments I have sent in the past years continues to go into the Un-Applied Funds category. With this type of process they do not let me pay down my principal and charge me the interest on the loan when they pay themselves. 

Additionally they are not reporting my payment history to the credit bureaus and it is showing no payments.
I have {$9700.00} on deposit with Coinbase, the digital currency platform, headquartered in California and licensed as a money transmitter in my state of residence ( Oregon ). I funded the account via same day USD wire transfer from my personal checking account over 6 weeks ago. Despite previously executing various trades successfully, Coinbase is restricting the use or withdraw of my funds due to an automated ID verification issue with their platform. My ID was previously verified successfully and I have several support tickets open dating back to XX/XX/XXXX to address this issue, however I have not received a single response to these tickets. Phone and email support are disable for my issue, and despite every effort to contact the company, they are stonewalling me and holding my funds hostage. It seems there are many other depositors suffering the same abusive/fraudulent practices of Coinbase and based on my research there has been zero accountability. Conveniently, they have no issues accepting deposits, but a long list of complaints and issues relating to withdraws, account closures, and any other form of depositors claiming their funds. I really need my money back as this is taking a financial toll on me, it would be greatly appreciated if the CFPB could contact Coinbase on my behalf to demand the expedient return of my funds. 

Thank you.
On XXXX XXXX 2017, I took my XXXX boys to their routine XXXX appointment at XXXX XXXX in XXXX, Fl. I 'm covered by two XXXX insurance companies : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have been bring my kids to XXXX XXXX for years now and have never had a problem. I 'm always told my balance before I leave which is always a XXXX dollar balance for XXXX and a XXXX dollar credit for me. However, about three months ago, I get a statement in mail stating I had a balance of XXXX dollars that is owe to them. I felt this was a mistake and due to my family and I moving to another state at the same time, I failed to follow up. I noticed about a month ago that the notices was coming to my new address which at that time I called XXXX XXXX to question them about the bill. I was informed that the rep. that would be able to help me is at lunch. I questioned, is she the only person in the billing department that can help me, I was informed that, everybody else is also at lunch. I then proceed to call my XXXX  insurance company. I talked to a rep. that informed me she would handle it because XXXX XXXX did not you the proper guidelines when submitting a claim. They are suppose to file the claim with my primary which is XXXX XXXX and XXXX XXXX first, then XXXX. She informed me that once they did that, they will pay the claim. She stated she would call them personally and talk to them about this. I actually got a call back from her stating she did talk to them and everything should be fine. However, yesterday XXXX XXXX, 2017, I get a letter in the mail from a collection agency stating that I have XXXX dollars debt that needs to be address within 30 days. I call XXXX XXXX personally and talked again to a rep. This time, the rep from XXXX informed me that he did n't see where I owed a balance, then he said wait, let me put you on hold. He got back on the phone stated he would have to call me back. I than in turn called XXXX XXXX and told the rep my issue at hand. She stated she would call them now and give me a call back. She called me back and informed me that XXXX was told again that they have to bill my primary first and told them to expedite this claim due to the fact that have not followed proper process of filing a claim. In addition, she sent them the guidelines to following a claim the proper way. I thank her and informed her I will never deal with XXXX XXXX again and I need them to send me my XXXX dollar credit because I will never use their services again.
Around XX/XX/XXXX I opened a credit account with the Army & Force Exchange Service ( XXXX XXXX XXXX ). The account was initially in good standing but was eventually charged off. Of course I was aware of the debt but was unable to pay due to my financial circumstances. I never received any debt collection notices from AAFES. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran and I receive benefits from the VA and social security benefits. When I began receiving social security XXXX benefits in XX/XX/XXXX, AAFES began garnishing {$140.00} a month from my pay and never sent me any notice or statement. I had to contact them to receive a statement. Since XX/XX/XXXX, I have not received any correspondence from AAFES. According to the only statement I received my initial balance was {$2700.00}. Between the date of the initial balance and XX/XX/XXXX AAFES has charged me close to {$3300.00} in interest charges. 
I contacted AAFES to attempt to settle this account on XX/XX/XXXX and was told by the representative to email back on XX/XX/XXXX to see what can be offered. I explained the desperate situation I was in with my family and finances and that it was urgent that this account be settled. I waited as instructed and then was told by the initial representative and a member of management that they will not offer a settlement on my account because they are receiving treasury offset payments ( that guarantees collection of the total balance ). As stated previously, I am a XXXX veteran on a fixed income and the unfair collection of this debt is creating a hardship on me and my family. It is also absurd to be collecting over {$3000.00} interest charges which will continue to accrue while collecting my treasury payments. I made several attempts to contact this company and they refused any resolution.
I was contacted by a collection agency saying I owed money for a car accident I was never in. The collector claimed that I was driving a XXXX ( which I have never owned or driven ) and hit another vehicle, and refused to give my insurance information. None of this has ever happened. I requested a validation of the debt and all the documents the collector responded with were completely redacted, except for my name, former address, and social security number. I was never contacted by an insurance company, only the debt collector. I went to the police and filed a report, and while I was there the collector called and spoke to the officer. It appears likely that someone has given my name and filed a false insurance claim using my personal information. The debt collector was never able to tell me any thing about the accident, or the other party involved. 

I have repeatedly told the collector that I do not, and have NEVER owned or even driven the type of vehicle in question, and I was not in an accident of any kind in XX/XX/2016 as they allege. I have already filed a police report with the XXXX County Sheriff 's office.
I purchased a vehicle at XXXX on XX/XX/2016 with a down payment of XXXX and the remainder financed through Bridgecrest. 
Today XX/XX/2016 a towing company aggressively did a U-turn right in front of the vehicle and my drive way. I am assuming he thought I was going to drive away? but I was walking to the car to take things out of it. 
I had set up the auto payments to automatically come out of my account and since I did not received any communication from Bridgecrest at all regarding the missed payments. I did not know these payments were missed till today when the rude and in my face tow truck driver showed up. 
I was told that the car would also make a beeping sound through XXXX gps tracker, which never happened. 
How is it possible for them do that? 
I have only had the car for not even 2 months? and No communication? 
after two missed payments? I should be able to at least get the down payment back since the car has n't even been in my possession for 60 days. 
I have also filed for Bankruptcy which i was planing to keep the vehicle.
On XX/XX/2017 I received an alert from TransUnion that a collection had been added to my credit report. The collection medical account reporting is XXXX XXXX , XXXX with account number # XXXX for the balance of {$250.00}. The numbers are partial because this is how TransUnion has it shown on my consumer file. I contacted the original creditor and asked them about this bill, the billing department told me that this bill had been paid by my health insurance and, is showing a XXXX balance. The original creditor sent me the billing summary showing the explanation of benefits. I have tried disputing this with TransUnion with no success. I have included a copy of the paid billing summary, copy of social security card, utility bill and TransUnion credit report.
I am unable to contact the credit reporting agency Transunion, it seems they are the only one reporting negative information. The last time I tried to process a dispute I ended up mailing them the information, which they did update but the complaint is access to them is delayed and they should not have reported the information in the first place. They were the only credit bureau reporting the information which prevented me from received a loan at a better rate. My score recently dropped and I discovered that they are reporting incorrect information but I am unable to access their website again. This is disturbing that a major credit bureau can not only report incorrect information but they can make it difficult to contact them to complete a dispute. Something needs to happen to correct this situation, I'm sure that I am not the only one this has experienced this problem.
I opened a PNC checking account ( performance select ) on XXXX XXXX 2016 in a local branch with a promotion of {$300.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.