WillisBack/dataset-financial-user-claim huggingface dataset:
Dear FTC Commissioner : I would like to file a complaint against Experian regarding an unfair business practice. 
As you are aware, in the past when XXXX  and XXXX  gave consumers the ability to freeze and unfreeze free of charge, Experian refused to do so and charged consumers {$10.00} per transaction. The federal law now mandates that all credit reporting agencies allow consumers to freeze/ unfreeze their credit free of charge. It is apparent that Experian devised tactics for increased revenue which is unfair and burdensome for consumers. 
Yesterday, I logged on to Experian to unfreeze my credit and although I had input all the correct information, the website directed me to send in an abundance of materials, including ID, copies of social security card, etc to a XXXX XXXX XXXX to XXXX, TX. 
I called Experian and talked to a representative, and although he has all my information, he said he was not able to help me and that my only option is to send in all materials. He said it would take about 10 to 14 days. I told him that I need to purchase an automobile immediately. He agreed with me that by making consumers send in all necessary documents, it is quite burdensome and it has also affected him greatly with his personal matters. 
I have the basic Experian membership, which is free but they have all my credit background information. 
If a consumer upgrades to a paying membership, then there are privileges. 
This practice of requiring documents to be sent to their PO box is unfair to the consumers and reveals their very tricky and dishonest business tactics. It is cumbersome to consumers and forces comsumers to sign up to become premium members. Moreover, with all the identity thefts cases, how dare they ask for critical documents to be sent by mail. 
I would appreciate your investigation into this and exact a fine as appropriate. 
Sincerely,
I signed a contract around XXXX, 2013, out of mostly desperation for a car. Not fully understanding how much i would come to regret this decision along with thousands of other people. First off i was told over and over before signing paperwork that never would the contract go over 3 years. 2 nd thing is im finding out is that the company is known just for selling pieces of rebuilt junk its even worse then the typical buy here pay here place. They pretty much threaten and bully u about the trash they sell and pull at this company so called suppose to help u with credit. If not just for my sake but for thousands of others XXXX needs to be shut down everywhere. It should be against the law to take advantage of people in bad situations charging over XXXX dollars for car that most are not even worth XXXX blue book value. I feel very ripped off and in something that i cant see a way out of thet have received payments from me for over 2 years the transmission is now about to go out any day now amongst other serious problems and after looking through my paperwork im finding out 3 years is more like 4 years. I would really like if this company can be brought to light for me and thousands more. I can not seem to get out of the negative equity and all the payments i have given them also being threatened about credit or being sued for the money owed. This company should not be allowed to continue to keep taking advantage and praying on people in this way they are complete rip offs and should be stopped for good. Plz help i need a way out!
Are reporting to credit Bureaus When I have numerous times in writing have disputed their right to collect and or report to the credit bureaus negative credit info on me.

I have asked for them to show proof they purchased this debt & the terms & amount of the purchase of this alleged debt.
The false representation and/or implication by the " Wakefield & Associates, Inc. '', a Collection Agency, caused me to lose any claim or defense to payment of the debt including questionable interests.
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX
XX/XX/XXXX, One West Bank sent me a HAMP package, informing me that I was qualified to receive all benefits of the program, as long as I send all documentation required and complied with the trial payments scheduled for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Please see attachment XXXX ) I sent all documentation required, and timely sent the XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I received a phone call from One West, informing me that they had denied my Hamp application. I said to the representative that the Hamp contract stated that if I sent all documentation and make my trial payments, the loan will become permanent modified by XX/XX/XXXX ( please see attachment XXXX, page XXXX ). The One West representative told me that even if I sent the three payments, they were denying HAMP to me, she also informed me that a letter with an explanation of the denial was going to be send. However, instead I received a letter of default of my trial payments. Although, I called and asked for an investigation of the phone call I received on XX/XX/XXXX, according to One West representatives there was no way to confirmed. On XX/XX/XXXX, I was served with a foreclosure lawsuit. One west never offered another foreclosure alternative, even that I was behind my payments three months only. Because a sale day was set, I hired an attorney to defend myself. The foreclosure attorney representing One West, was accused of bringing homeowners illegally to foreclosure by the Florida General Attorney, and was placed under investigation for long time. Also, Florida 's courts were extremely behind in foreclosure cases, time went by, years and years. All that time I repeatedly asked for an investigation on my case, but One West just ignored my requests. On XX/XX/XXXX my loan was sold to XXXX, and with being able to manage my account online, thanks to new technology. I found a log of phone calls and notes by One West Bank in XXXX 's web site. The phone call from XX/XX/XXXX that I have been referring to, is recorded there. ( Please see attachment XXXX, page XXXX ). According to One West Bank they were denying HAMP to me because they thought that the house was rented, which in fact, I was renting XXXX rooms at the time. All that One West Bank need it to do was request more information and prove of residency, which I would be able to supply without any problem. I contacted XXXX 's escalation department regarding this issue, but they complied that I should be contacting One west Bank not them. 
One west bank has taken away from me the chance to avoid foreclosure, the chance to have my loan modified by HAMP program. One West Bank has failed in their duty of care with my HAMP modification. One west is the reason I am losing my home. One West Bank has caused me a lot of harm.
*****I opened a support ticket with Coinbase.com on XXXX XXXX with the following message:"On XXXX XXXX, I made three purchases for 22 litecoins, using the coinbase mobile app. For each purchase, I was prompted with a successful purchase complete prompt.Subsequently, I received 3 emails, one for a successful purchase and 2 stating that my purchase could not be made.My last purchase that went through and is still in a "pending" state, not "cancelled" state, has not been processed, and the transaction has exceeded the expected clearing time of XXXX XXXX.With that in mind, this is putting me in a very bad hedge position, as I can't sell those coins as I wanted to.I'm not sure what kind of hoopla is going on over there, but if those coins don't clear in the next day or so, then I'm going to reach out directly to your regulator, the CFTC and let them know that you're not abiding to contractual agreements, which your data repository will evidence and prove.If you take this seriously, then please call me immediately at (XXXX)XXXX-XXXXAll the best,XXXX"*****To which I received the following response back from Coinbase on XXXX XXXX:"Hello XXXX,I really do apologize about the delayed response. We are swamped. Pertaining to the pending transaction I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update.Thank you for your patience."*****I have not received a reply back, after 3 weeks. If you ask me this is a lawsuit. Please escalate this issue, as this company is involved in illegal practices by way of not fulfilling orders and not allowing users to verify identification, which causes them to pay exorbitant amounts of fees.Please shut this company down. I wish I would have known that this is how they treat customers and scam them.
On XX/XX/2018, I make complaint on Consumer Financial bureau complaint website for Wells Fargo Bank ( XXXX ). Wells Fargo Bank continue to put false information on my credit report. I ask Wells Fargo Bank to stop putting false information on my credit report On XX/XX/2018, the complaint was closed because as Marked as a duplicate complaint. Wells Fargo Bank trying use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) They are putting false information on my credit report. ( 2 ) They do not have wet ink signature that sign contract with them to open up a credit card. ( 3 ) They claim that it was charge off. If the account is charge off, then there should be no balance because they got money from taxes and also charge off debt is worthless and no long able to collect. ( 4 ) The state of limitation have pass and they still are trying to collect. ( 5 ) I send a request for debt validation and unable to give me proper debt validation. ( 6 )  They are trying over charge me fee. I feel that Wells Fargo Bank is trying to take advantage of me because I XXXX male. I feel that discrimination is wrong. I am willing to pay off the debt that you claim I owe if you are will to provide me with the original contract I sign with ink signature. I will have expert document look at contract. Wells Fargo Bank refused to pick a date for us meet in person and have expert document look at the original contract. They still put false information on my credit report, which I think is wrong. The Wells Fargo Bank is still the doing same thing. I am still asking for the same thing. They are still put false information on my credit report. I am requesting Wells Fargo Bank to stop putting false information on my credit report. Deleted this account of my credit report.
When I graduated from school, Navient did n't tell me how many loans I had and subsequently when I paid some, I did n't pay others. Now I have a 90 day late on my credit report thanks to navient.
This date was liquidated in 2010 by XXXX, but is being reported by Ditech/Greentree on my XXXX report. They were reporting on XXXX until I complained to the FTC.
I filed a complaint against AD ASTRA RECOVERY SERVICE with the consumer financial protection bureau. I was told from a representative that if I did not authorize this account from XXXX XXXX that I need to file a FTC Identity report. So, below I have attach the report.
I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. XXXX XXXX aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Most of the issues above describe what this company has been up to. They have called my employer with threatening calls on taking leagal action, they have called my family with the same thing, they have called friends, neighbors etc. Most of these people they had to search for. They have harassed, made threats, etc. They refuse to send anything via postal mail and lie about it when asked. They have refused to provide any information on the company and have been asked XXXX not to contact me via phone, but again refuse to contact me via postal mail. They are a menace.
It percieved XXXX and other credit reporting agencies have been hacked. Or Capital one has made an error. 

I dont see My Capital One credit card, on credit file. Or currently being reported is any history of capital one EVER existing as being reported to credit Bureau. In contrast, the credit Bureaus ALL reported capital ne as resent as XX/XX/XXXX and since XXXX. But not any more. They lost data and record if its existance. This Capital one card, is an active credit card. I am including capital one on this complaint too. 

The bank, as credit furnisher has been reporting my capital one credit card to XXXX, every month since XXXX. XXXX and other agencies have ALL sent me credit files showing the capital one credit card as being reported with their company. Today the file and evidence of ANY history of capital one being reported has been lost, and no lnger on file. The reporting agencies have LOST DATA. They may have been hacked. 

In my resent complaint filed with Credit bureau, complaint # XXXX. XXXX responded claiming " the capital one is not being reported " and XXXX  cited " it is up to the bank to report ''. The very nature of the complaint was the fact that Capital one is reporting the card to XXXX, and the card WAS reported on XXXX file as resent as XX/XX/XXXX. Someone inside XXXX  has DELETED the card and evidence of the card being reported, or XXXX has been hacked, and lost data. Regardless, the card fell off record with XXXX, and no longer shows. As XXXX  says - their is no existance of the card being reported today, or that the card EVER was reported. But on my credit report attached the card is clearly present. This claim of XXXX  that the card is not being reported by the credit card company has no basis. It is not true, becaues can all see from attach credit reports from XXXX showing the capital one being reported XX/XX/XXXX. It is commonly ACCEPTED among USA population in general banks like XXXX XXXX, Capital One, XXXX  XXXX XXXX DO report t credit agencies. Why then would XXXX in their responce claim they do not? XXXX pure and simple - has lost DATA, or been hacked. My concern is XXXX  and other agencies may have been hacked. If the XXXX is going to respond, claiming capital one is not reporting the card, it raises the GOOD question, how can that be? When the card has been shing on the Credit file and report since XXXX. The only explanation is XXXX has been hacked, and lost the data in a data breach and any Evidence of the capital one card being reported. 

I request XXXX to resolve how they lost data. And how is it XXXX  claims the credit card is not being reported when it showes on my credit file right through to XX/XX/XXXX XXXX it now has gone, from XXXX record - as the XXXX responce to the prior complaint # XXXX filed here with CFB shows. 

Where is the data? Data is being reported to XXXX as the XXXX  files shows, Why is it missing for XXXX all togeter today, and why is XXXX NOT CHECKING back on mail it has sent prir to my house showing the Capital one card as present. It is an active card.?
Portfolio Recovery Associates XXXX XXXX. This is not my credit card. It is showing in collections on my XXXX account. This account does not belong to me. the amount due is {$230.00}.
Received a call at work from the JCPenney Credit Card company ( XXXX XXXX ) on XXXX  around XXXX XXXX at my place of employment. I asked them to phone me after XXXX XXXX at my home  number and not to contact me at work. The lady on the phone would not listen to me and kept asking me questions over and over. I again stated that I needed to get off the phone before I got in trouble that I was not allowed personal calls at work, she told me she did n't care and kept talking. I finally told her that I was going to hang up that to please remove my work number, she keep talking and asking me questions about my account. I finally had to hang up because my boss was standing over me with a mad look on his face.
XXXX , XXXX  is violating the access to my credit report as per the FCRA. My FICO score is XXXX, they released negative information that does not exist when I applied for a credit line. To access my report or Freeze my report I need to mail my personal information ... including Photo ID, SS number and additional items to prove my identity. This is not open access to my credit report. I can prove my identity in many ways but not at the jeopardy of my personal information being stolen via the mail or improper handling or disposal by XXXX. 

After calling them they were not able to offer an alternate way to access the information. They could not explain the details that were reported in my denial or scoring. Based on my experience and research they have no interest in providing a remedy or following the proper FCRA guidelines. The big three credit agencies lost the second largest class action lawsuit in US history for these exact same practices. Who is policing these pop-up credit reporting agencies? Their practices are intended to avoid letting consumers access to credit reports to dispute false information.
on the XX/XX/2018. I deposited a check from my employer " XXXX XXXX XXXX XXXX '' for the amount of {$700.00}. there was a hold placed on my check for a period that exceeded 5 business days. i was negative in my account when i initialize the deposited in my account. so i had no funds to continue this new job i started. and the end result to that check was a much greater negative balance, and loosing my employer due to funds for transportation. so since i lost my employer and cant pay my bills an they added fees for insufficient funds i want to file a complaint.
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, 9th Edition, XX/XX/XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of  correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX " NO ACCT NO '' UNVERIFIED, NO-CONTRACT
Hi my names XXXX XXXX and have a big problem with my lender that being Nation Star Mortgage who has yet to give a harp modification agreement that i know i qualify for cause they said but they have yet to in force an agreement that i signed and sent back to them in XXXX XXXX 2014 this is wrong and want them do what harp is there for to help me get back on track so i can pay my mortgage i do n't this run around that these companies are playing with people like myself the reason i say this is in the beginning i sent various documents to nation star only to be told that they never received them and i had to resend them only that they never received my current pay subs which was n't true so i sent them again and again and again then they informed me that they received them but i did n't make enough i asked them is possible with XXXX jobs and my XXXX one pays me over XXXX then after hour of debating they admitted there error saying that the person working my file never applied my main income there were using my XXXX income as my sole income which incorrect and that were sorry its noted on there computer the various people i spoke with and various mistakes they 've made one lady who i spoke said the name that was giving to me as a point of contact was n't real and that person would n't never call me back cause this a name they give to everyone cause of the amount of cases they have and she was sorry that i was mislead but i qualify for harp and she would do her best to fix again after going back and forth i get this agreement i sinned and sent back to them i want to speak with someone who is truthful so i fix this and move forward its a shame that our has help these various banks on bailout but they can not be forthright with us these people lace there pockets with tarp like XXXX XXXX president
In 2009 I took out my 1st private loan with XXXX XXXX. I was uneducated on how the loan system worked but needed the money to finance school. Over the course of 4-5 years I accumulated a total of {$140000.00} + in private loans. Once my graduating grace period was over I had to repay them. I put them in forbearance without proper advisement from the loan company. I was totally unaware that there was only a certain amount of allotted time for different repayment options. Now 8 years later I am being forced to make unreasonable monthly payments of $ 900+ which leaves me with no money to survive with. Most months I 'm unable to make the payment and Navient ( formerly XXXX XXXX ) is unwavering on their decision. They are n't trying to work with me at all. I have children and {$900.00} a month is a huge amount for anyone to pay.
I have sent Experian numerous requests to investigate, verify and remove accounts from my credit report and they are not responding.
Prospect Financial Group , Inc. in XXXX XXXX, CA is an unprofessional lending group. What should have been a quick and simple refinance it turned into dealing with a company that made false promises and them dragging out the process that never went any where. They did not provide me with my good faith estimate within XXXX business days once I provided my application. On day XXXX, I still did not have my GFE. This company is out of compliance with HUD.