WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, i, sent out dispute letters certified mail to XXXX, Experian and XXXX with return receipt with time, dates and signature received .On XX/XX/2017 XXXX and experian received dispute letters, XXXX received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the 3 credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus, states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.
Kohls Credit Card - Late fees added XXXX times, for only XXXX late payment ( one day because of the time zone difference ) method of refunding late fees taken off the total balance ... still leaving the increased payment that has to be paid or get ANOTHER late fee, etc, etc, etc. 
I have been trying to resolve my account for the past few months ... I retired from my job and moved since XXXX, and since my income is now reduced and I am a senior on a fixed income, I have n't been able to get wifi in my home yet as I am still paying off moving expenses. I ended up making a payment in XXXX 1 day late because of the time zone difference ; when I logged in later at the public library to check on my account I saw I had been charged a late fee. I called to let them know the circumstances, but by then they had tacked on another late fee because I only paid ( on time ) the usual payment of {$39.00} and it had evidently gone up to {$64.00} with the late fee, which then made my next payment {$99.00} ... so I called and talked with several CS reps and finally was able to get the fees refunded and the payment back to {$39.00} as I double-checked with the rep I was talking to, XXXX, I think. Well, I made my {$39.00} payment and now they say I owe XXXX! I very frustrated! ( This is the message I sent Kohls online cs message center ) ( this is what they wrote back ) CompletedMemo : Thank you for contacting us regarding the minimum payment for your Kohl 's Charge account. I appreciate the opportunity to review your concern. Upon review, I have found that your payment was due on XXXX of each month. Please be aware that late payments may cause your minimum payment to be higher. Additionally, the minimum due is the sum of 1 percent of the balance plus the periodic interest charge and late fees billed on the statement for the minimum payment is calculated or XXXX dollars ( or the total balance if less than XXXX dollars ) whichever is greater. I hope you find this information helpful. We look forward again to serving you again.
XX/XX/XXXX I sold XXXX BTC for XXXX after a XXXX fee to be transfered to XXXX. 

On XX/XX/XXXX I recieved notice that my XXXX account did not match my coinbase account, so the transfer failed. 

Also I recieved a second email saying XXXX blocked the transfer. I contacted XXXX and they said no attempt to send money was made. Coinbase is mistaken I contacted XXXX  and they said they have no record of any attempt. 

A coinbase CS rep then told me the issue was how I added the account via login, not manual account/routing number input, and then backpedaled to day XXXX as a whole is not supported. 

XX/XX/XXXX I talked to another rep who claimed XXXX is supported. I also recieved an email saying my XXXX account is verified and enabled for transfer. 

Finally I recieved a refund of the BTC/USD but it is pending until XX/XX/XXXX to be transfered to my XXXX account. 

This is unreasonable to hold my USD like this. My account has been credited, but they are holding the money longer than any BTC transaction should take. especially at a nearly 10 % fee of XXXX. moreover, the BTC has already been sold so they are technically holding my USD until the XXXX. 

I am pretty much certain this is not allowed. But moreso, I am expecting this transfer to fail on the XXXX so I am proactively filing this complaint.
I filed a letter for proof of validation with XXXX XXXX XXXX, XXXX for XXXX The original creditor is XXXX for a debt there saying I owe they sent me a old bill which was n't the correct amount also updated the bill to a recent date of XXXX/XXXX/XXXX this has been on my reports for 4 years now if not more I requested the signed agreement ( contract ) for this debt and did n't receive it they deleted the file from my XXXX and XXXX report around the date of XXXX/XXXX/XXXX but will not delete from my Equifax report
On XX/XX/XXXX I was charged twice the amount of {$28.00} for XXXX XXXX XXXX ( XXXX ) transactions processed by my American Express Card ( AX ). <P/>I never purchased XXXX for this AX which I recieved for in XX/XX/XXXX. I only had XXXX for XXXX of my old american express cards which were both cancelled subsequently. <P/>When I called XXXX, I was told that their insurance services automatically gets transferred to any and future american express card. I asked them for cancellation and reversal of at least their recent charges on an airline ticket which has not been used yet, and they offered a partial refund of {$10.00} for a service which was not requested and not used!!! <P/>I believe this is a form of fraud because every service offered with a specific card must stay with that card and not get transferred automatically to future cards without a reminder or notice sent to the customer. <P/>I never received any written notice or phone calls regarding the automatic transfer of the XXXX to my new AX card. <P/>While they treat every new card as a new credit card and scrutinize the customer and his/her credit history, when it comes to their " unrequested '' services, its automatically transferred WITHOUT any reminder or notice to the consumer. <P/>Thank you
I XXXX, XXXX a " Consumer '' hereby declare to be the owner of the equitable title to that debt. I do not know anyone else who owns the equitable title, if you think you do or knows anyone who does, you must state so. If you can not state anyone, then I am the owner. And if I own equitable title then I ca n't be the debtor and the beneficiary of the trust at the same time. It is hereby declared as the beneficiary of the trust, I order you to rebut my claim. 

I XXXX, XXXX, I accept as grantee, now coming as Grantor/Settlor, return by custodial delivery of equitable title/receipt for proof of same subject matter on special deposit with Trustee ( s ), PROFESSIONAL DEBT MEDIATION for alleged original creditor XXXX, with intent and purpose to use, enjoy, extinguish, settle, close, and to release collateral, and all encumbrances for the benefit of " XXXX '' including deleting the referenced negative line of credit and all lines of credit that remain on my report in conflict with the FCRA. I also require to be made whole financially at $ XXXX/per FCRA violation by PROFESSIONAL DEBT MEDIATION, which totals to {$4000.00} to be made available to XXXX, XXXX ( 15 USC 1681n ) for the willful noncompliance of this company using my information this long with out my consent and without properly providing me with an detailed copy of the investigation that took place to let this damaging balance remain on my credit report " AFTER '' being PAID IN FULL on XX/XX/2014 ( see attached receipt ). 

The FCRA 15 usc 1681 frowns upon the re-insertion of unverified debt, and has continuously damaged me for the period lasting over 30 days in violation of 15 USC 1681 ( i ), ( j ) & ( m ). I also have an UCC 11 debtor search Certified from the Texas Secretary of State showing there is " XXXX '' debt owed to any alleged creditor ( see attached UCC11 ). I further require a return of the proceeds for the use of my private property ( SSN ) and all other equitable relief I am entitled to as a " consumer ''.
Problem Narrative:

Using the LTC virtual currency address provided by Coinbase (XXXX) I transferred XXXX LTC virtual currency from an external exchange (XXXX) to Coinbase. Coinbase accepted the transfer on their web site and attempted to transfer to XXXX but the transfer stuck in the process. However, Coinbase states in their automated mail the coin WAS transferred, but the evidence below shows very clearly it has not cleared.

Here is the currency audit trail from XXXX  XXXX to Coinbase proving that Coinbase has the XXXX worth of LTC on their exchange:

Completed
2018-XX-XX XXXX
LTC
XXXX
Address: XXXX
Txid: XXXX 

Here is the mail Coinbase provided to me after they got the funds:

You just received
XXXX LTC
You just received XXXX LTC (worth $XXXX USD) from an external Litecoin account. It may take up to 6 network confirmations before your Litecoin is available to trade.

Checking the blockchain, the transaction obtains all confirmations.

Here is the notification they sent for the Coinbase XXXX  transfer:
(Also, note this is an internal process that Coinbase conducts, not the customer)

You just sent
XXXX LTC
Congratulations! You have successfully sent XXXX LTC (worth $XXXX  USD) to XXXX using Coinbase.
This withdrawal is being sent to an address ("XXXX") that you haven't previously used.



Upon verification of the funds, noticed they were in a PENDING state. Waited 24-hours with no response from support. Have emailed multiples times each day since with not response. They are not taking calls on their XXXX  number. No response from their XXXX XXXX account. I have also filed a BBB report and no response with that action. I hated to resort to this action, but unfortunately I have no other recourse to retrieve my funds.


Here is the transaction details for Coinbase transfer from their Coinbase wallet to XXXX  exchange:

deposit
XXXX XXXX - XXXX XXXX, 2018 UTC
I have been receiving daily calls from this company for several years now. Often I receive several calls a day which I believe violates the FDCP. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. This company uses several hundred different numbers and the calls seem to be robocalls. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.
On XXXX XXXX, 2015 I received a call from XXXX, which turned out to be from Paypal credit. The call was from their fraud department asking if I had applied for credit since I have an initial fraud alert on my credit file. I told them I had not applied for credit and asked what I needed to do next, they said to do nothing and that my fraud alert was working perfectly. The reference number for this conversation is XXXX. 
Not wanting to leave anything to chance, I checked my credit file that day and found that my credit had been pulled on XXXX XXXX/PPC on my XXXX file. I submitted a dispute with XXXX to which they have already responded that credit pulls are a " factual record '' and that I would need to work with Paypal to remove the inquiry. I have now called Paypal and they have been less than helpful to remove a credit inquiry that we both know I did n't submit. I have to send a letter to a XXXX XXXX in Maryland with no tracking or accountability to remove the inquiry. My concern is that someone has accessed my file, and now there 's a record of that on my credit file and I have not initiated this. I merely want Paypal to correct the issue and remove the credit inquiry from my file.
Medical data systems for the amount of {$270.00} date added on credit report was XX/XX/2018 no information was verified for this debt.
I have applied with Discover credit card on several occasions using the pre qualify link. Once you enter your information it comes back and says personalized offer for you. I have then completed the application to see if I qualify. The message then comes up denied. I then had a friend apply who has a much lower credit score than me and it still came back as this is the personalized offer for you. Once they applied it came back as not approved. I feel that discover is just getting people to apply while they already know the person will not be approved. This causes hard inquiries to post to individual 's credit file.
case number XXXX XXXX disabled their online payment system to make payments. It has been shutdown for almost a month so far that I know of. 
They are requiring payments by the XXXX of the month, which is not possible with the system disabled and i have no control over mail delivery, especially with holidays.
American Express deceptively gave me a financial review even though originally they just did a credit line decrease on XXXX of my accounts. They gave me the option to restore my Gold Delta Skymiles limit to where it was before and I called them up with some questions about how long the process would take. immediately after the call, they did a full financial review on me and suspended all of my accounts even after I had already sent them documentation about my finances for the Gold delta skymiles credit card.
I recently downloaded the XXXX XXXX app because I want to get serious about getting my credit score up. That's when I saw the 2 items on my XXXX score.

1. Wakefeild and Associates opened XX/XX/2014 for {$940.00} and the original creditor was the XXXX XXXX.

2. Wakefeild and Associates opened XX/XX/XXXX for {$590.00} and the original creditor was also the XXXX XXXX.
For the XXXX time in the 26 months since taking over servicing of our mortgage, Nationstar Mortgage has failed to provide a monthly mortgage statement. This follows previous complaints about this same issue, with the first XXXX filed with the CFPB on XXXX XXXX, XXXX as Case number XXXX. The first complaint concerned not providing mortgage statements in XXXX and XXXX of XXXX. Nationstar then did not provide mortgage statements in XXXX and XXXX XXXX, and XXXX XXXX. That caused us to file complaint number XXXX on XXXX XXXX, XXXX. We subsequently also filed a complaint over the failure to provide the disclosures required by 12 CFR 1026.20 ( d ) between 210 and 240 days prior to the reset of a mortgage payment, and Nationstar refusing to provide a copy of the Note with " any modifications thereto '' as required by California Civil Code section 2943 ( b ). 

12 CFR 1026.41 provides the exceptions to providing a monthly statement, and our case does not fall within any of the exceptions. Nationstar has cited the existence of litigation as their excuse for not sending the required statements, but in our situation, only a filing of bankruptcy by a borrower provides a reason for not providing a mortgage statement. We have never filed bankruptcy.
As of XXXX XXXX XXXX XXXX " auto loan " which I had an excellent payment history on my auto loan, indicated to me that Equifax should start reporting my good standing account. 
As of today, XXXX 2016 Equifax does not show my XXXX XXXX account account status on my Equifax credit report.
I am concerned about the validity and accuracy of the recent investigation done by the XXXX and Experian..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Synchrony Credit Services : Recently I discovered what I thought was a horrible service being provided by this company. I have made payments of various amounts to my account through my XXXX XXXX Bill Pay but the payments are not being posted to my account and Im being charged late fees. Listed is a schedule of payments to my account : Payment date Amount XX/XX/XXXX{$95.00} XX/XX/XXXX XXXX Late FEE Charged XX/XX/XXXXXXXX Interest charged along with Late FEE XX/XX/XXXX XXXX Interest with Late FEEXX/XX/XXXX XXXX XX/XX/XXXX XXXX  When I phoned customer service, I spoke with someone ( who wouldnt provide their name ) and advised me that I should may payments closer to the due date to avoid late fees. Ive never heard of such a thing. Who penalizes a customer for making a payment? I can not tell you how disappointed I am in that Im being penalized for making timely payments. The representative told me that I was being penalized for early payments. When I asked to have a copy of whatever agreement she was referencing sent to me via email or regular mail she said that she could not send it. She told me to go online and use the agreement that Belk has for everyone. ARE YOU SERIOUS? Nope, she was graveyard calm as she relayed this information.
<P/>
After a long waste of time conversation, I thanked her and noted that when I phoned, I was offered the chance to take a survey and to leave comments after the call. Once she hung up, I would be automatically transferred. Guess what she never hung up the phone. She was insisting instead that someone would call me. That call never came, no one EVER reached out to me via email or otherwise. Considering how the phone call was handled, I cant say that Im surprised. Ill let you in on this one trick ; when you have a customer on the other line and the representative ( not the customer ) doesnt hang up, the call doesnt transfer to leave comments and take the survey ( if offered ). Im guessing no one who suggested the survey after the call service ever tried it out. The representative can mute the phone but as long as they dont hang up, your call will not be transferred to do this survey.
<P/>
I 'm asking for assistance in that I believe the Synchrony Credit Services is : 1. Intentionally penalizing customers and forcing them to make additional payments to cover 'Late Fees ' being erroneously being charged by the company 2. Failure to provide documents showing how the company bills its clients and better explain billing cycles 3. Failure to allow the customer to speak to someone in a higher position 4. Not taking proper messages and passing them on to someone who could engage with the customer and reach a solution
I had refinanced my mortgage with PNC bankXX/XX/XXXX {$1800.00} was posted to my escrow account and everything was fine in XX/XX/XXXX PNC deducted {$1400.00} with no warning or explanation I called them and asked why they could n't tell me and would have somebody call me back a XXXX XXXX XXXX XXXX eventually called me back in XX/XX/XXXX but could not give me an explanation to why this amount was taken and would call me back its now XX/XX/XXXX still no call back PNC since then have made other major errors one being mailing XXXX XXXX ( my insurance company ) a check in the amount of {$2900.00} from my escrow account my escrow account now shows I am in a minus XXXX XXXX did call me and said they 'd returned the funds to PNC bank but it does n't show as a credit on my statement I feel PNC bank are a very un professional but what can I do they seem to be able to do what they want its a disgrace
In 2007, I had a car loan with Coastal Credit LLC, for a minivan. The van was a Lemmon ever since it was purchased, the 2nd day we had it the front breaks fell off while driving with my children in the vehicle. Finally we had enough and told Coastal Credit to come pick it up. They took the van and sold it. We received a phone call from a very rude representative saying the van was sold and it was charged off and taken as a company loss because they were not making a profit on it. We never heard from them again until I get a court judgement in the mail today for {$40000.00} which before they took the van, is more than the loan was for, much more. So, we don't hear anything from them for 11 years, and then we get court documents, 11 years later.
On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with XXXX. Disputed it and got a response back that I needed to have the company call XXXX and remove it. Called XXXX and XXXX and they still can not find anything to use to show XXXX to remove. I am being told they need proof for XXXX and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XX/XX/XXXX. I started this onXX/XX/XXXX to have it removed today is XX/XX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at XXXX and will be sending my complaint to corporate.
They are the only reporting agency that is inaccurate in reporting XXXX XXXX  XXXX XXXX and XXXX. It was part of fraud. But they are saying I paid it so it must be mine. No I paid it try to save my credit. Finally XXXX XXXX sent me a letter saying they would remove the accounts. They have been removed from all bureaus besides this one.  The lates were updated but wrong.
Verified with your office about Federal law in place to deal with such conduct Both American Express and XXXX Bank violated such law by refusing to issue me credit card based on loss they experienced with my name over 8 years ago. 
According to your office, 7 years can be reported or acted upon but not beyond. 
My credit score around XXXX which enable me to get credit with other banks. 
Both American Express and XXXX specifically referred to specific loss occurred 8 years ago Sincerely XXXX XXXX
My ex cheating girlfriend wrecked her old XXXX XXXX and it broke her leg from collision long time ago. She wanted a new motorcycle she could not buy it with ruined credit scores so I was stupid kindly co signed a 2008 XXXX XXXX for her just to make her happy but then she screwed me over and deceived me she rode off with her several trashy secret lovers. 
She removed my co owner 's ship on the bike and added it to her new boyfriend 's name. I need these unwanted information stored on my credit reports removed. All they do is causing me to have money damages and ruined my life! 
Truly yours XXXX
Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( XX/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.