WillisBack/dataset-financial-user-claim huggingface dataset:
I provided a case dismissed report for this XXXX account to the credit reporting agency and they still refuse to remove the item from my credit report, it is also listed as a collection account for XXXX XXXX XXXX, Complaint Status : DISMISSED ( RULE XXXX ) Status Date : XXXX/XXXX/XXXXFiling Date:XXXX/XXXX/XXXXAmount $ XXXXXXXXLast Activity Date:XX/XX/XXXX.
XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as ofXX/XX/XXXX. Yet the full amount this was reported on form 1099c as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Hi there, This issue is one Coinbase 's priority issues ( delayed payments ). When I changed my phone number associated with my Coinbase account in XX/XX/XXXX, my pending transactions to buy Ethereum and Bitcoin got cancelled. I did not receive the cryptocurrency, and I did not receive a refund. I was supposed to receive my refund for two transactions that have been cancelled within 3-4 business days according to the E-mail I received, but after > 3 months, I have not received anything.

The transactions that were cancelled were : - OnXX/XX/XXXX, I ordered XXXX   BTC for {$500.00} USD.

- On XX/XX/XXXX, I ordered XXXX ETH for {$500.00} USD.

These transactions have taken money from my bank account, but has not yet been refunded. I have emailed Coinbase Customer support many times, and I have yet to receive any help. I was told a " specialist '' would be looking into it months ago, but I have been emailing them since about it, with no response.

Thanks!
These people keeps calling for a payday loan that I never applied for. Threatening me with civil actions if I do not pay. Calling my family about this payday loan and threatening them with civil action. Everyday calling me and leaving me computer messages. These people are horrible scammers please help.
XXXX failed to respond to my request for debt validation within thirty day as required by FCRA. This issue was never addressed by XXXX   as evidenced by their responses saved on the CFPB site. Despite this fact, XXXX  fraudulently claims the complaint is a duplicate.
I have been having an ongoing problem with Transunion for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at le ast five ti mes, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back,   XXXX   and  XXXX  just follows Transunion and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by Transunion, this has. Even going on for several years now.
At XXXX EST on XX/XX/XXXX, 2018 I was contacted by Ally Financial from XXXX. I was not able to take the call as I was working the call went to voicemail. On that voicemail, which I still have, the agent referred to me as " garbage. '' I do not deny owing Ally and had already made arrangements to make up the payments before this call. I have been a an XXXX XXXX in XXXX XXXX XXXX for a decade and still have never been so offended. They have a right to contact me for sure, but to degrade and humiliate someone should not be allowed.
This XXXX will never go into default! How is that possible? 
The company is also using my social as the acct number which means any employee has accesses to my full name and social. 
The card has been gaining interest for the last 3 years so its grown to 10 times the money I actually owed. 
Some one needs to look into what this company is doing to vets.
I received a letter from a local lawyer on XX/XX/2018, stating that I was being sued and that I might need legal help. I was confused by this so I decided to check CCAP to see what was going on. After checking my name and birth date I did see that I was being sued by a company called, XXXX XXXX, this coming XX/XX/XXXX at XXXX. I have never received a letter or phone call from this company to inform me of such. I then did research to see who they were and got their contact information. I called them on XX/XX/2018 and gave them my number and social. They were unable to give me any information and instead directed me to call a local number XXXX, which is a law office. The number continued to go to voicemail. I called the company back to retrieve an account number and address. That is when I hand wrote a Request of Debt Verification letter. I went to the closest post office to me and sent the letter certified mail on XXXX XXXX at XXXX. The company received this certified letter on XX/XX/2018. I have not received a verification of the debt I owe and have had my credit soiled because of this alleged debt. I am being sued and have no idea why.
I requested XXXX to take care of title insurance for my real estate closing. During the closing, I was told by XXXX XXXX that they were not the ones doing the title insurance, that it was Fifth Third. He said it was my choice to select who I wanted. We had a Fifth Third loan representative there and asked her to change it and she called and nothing has been done to date. It has been nearly two months and no return of money. 
Secondly, there was a loan application fee that I paid for ahead of time that I was told I would be reimbursed. To date I have not received the {$350.00} from Fifth Third.
Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report. No Midwest Recovery located XXXX XXXX XXXX, MO can collect debt in Michigan.
In 2011 I left my XXXX husband. We had three months left on our lease and I stayed at home with my parents and paid the remaining three months. I also turned in my 60 day notice in XXXX of 2011 and our lease was up in XXXX. ( I paid XXXX, XXXX and XXXX rent ). I talked to the lease lady and she said I was all clear. After our lease XXXX XXXX signed a new lease and they did not take my name off and put in lease in my name without my permission! I found this out years later when Rent Recovery Solutions had a {$2500.00} collect charge. I tried calling XXXX apartments and they could not help because they were under new management. I called the old management company and they could not provide me any information on the lease dates etc. I have gotten this removed from XXXX and XXXX but it is still on my XXXX report. This lease was started without my permission and the charges are not mine.
I had XXXX dollars inside of my wallet with my XXXX bank card 2 days ago.. I went to purchase a XXXX of XXXX from XXXX XXXX at a nearby liquid store.. Then the day after I proceeded home to then search for the wallet which by then was clearly missing and I called my XXXX bank to check my card status and it said XXXX XXXX So it clearly was getting spent by there second on groceries at a XXXX by XXXX high school.. I just want to know how I can go about getting my money back and or prosecuting whoever did this
XXXX   XXXX   is harassing me about a debt that I do not owe. I am a victim of ID Theft
1. XXXX billed at a higher rate than quoted during the sales calls. Month after month telling me it would be fixed, giving me one reference # after another. 2. XXXX 5 year price lock, was a lie. Their bill increased around 45 % in just over a year. 3. ( Please see Arizona Attorney General v XXXX XX/XX/2016 ). Some of the XXXX the Arizona XXXX believes violated the Arizona Consumer Fraud Act, happened to me from XXXX in Arizona. After two other collection agencies backed off from this collection, Stellar Recovery Inc . Proceeded to damage my spotless credit. It was very clear with the information I gave them, this was not a good bill. they should have declined, like the other XXXX agencies did. They damaged my credit, causing XXXX company not to do business with me.
I have disputed this several times and have not received any assistance. I have spoken I I have spoken to several managers and they have admitted SPS is working on getting an updated system in order for customers to delete or change account info online. There is no way to determine whether or not payment is being submitted under the correct acct # due to system only showing last several numbers. Although they are aware of the issue they refuse to update my credit report in spite of THEIR negligence to the system in in place. I would appreciate if these late payments are removed from my c credit report
Transunion there is no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is wrong more wrong information on transunion More wrong information on transunion and address that are not correct or valid
I have to choose XXXX of the XXXX options given in the form at CFPB to describe my issue, but I am not sure my issue matched any of them well, since my issue is related to a time-barred debt as described below. 

Midland Funding LLC ( " Midland '' ) is deceptively collecting or attempting to collect from me a time-barred debt through arbitration at the XXXX XXXX XXXX ( " XXXX '' ), and thus violates the consent order issued by CFPB on XXXX XXXX 2015 against Midland ( and a few other debt collectors, defined together as " Encore '' in the consent order ). 

On or about XXXX XXXX 2015, Midland via its attorney filed to XXXX a counterclaim against me in connection with collecting or attempting to collect from me a credit card debt. This alleged credit card account is a " debt '' as defined in the consent order issued by CFPB against Midland on XXXX XXXX 2015. I, as a natural person allegedly obliged to pay this debt, is a " consumer '' as defined in this CFPB consent order. Midland is a " debt collector '' as defined in the CFPB consent order. The alleged debt is beyond the applicable statute of limitations. Midland 's conduct violates the consent order about prohibition against deceptively collecting time-barred debt through litigation or arbitration ( Paragraph XXXX in the consent order ).
I am making a complaint due to improper sales practices by Santander Bank. I created this account specifically to warn anyone thinking of banking with Santander to run AS FAR AWAY from this bank as you can, specifically if you receive wire transfers.

I opened up an account specifically because on the Santander website, it stated that " Recipient saves money as the incoming wire in foreign currency has no fee ''. 


Proof : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted a customer service rep just to be sure, and they told me there would be no fee assessed if the funds are incoming in a foreign currency. I also asked if there would be an intermediary bank used to assess the foreign currency ( since my company prohibits this ), and she said since Santander was a large enough bank, it would be processed directly by them. I thought to myself " Perfect! I can use this as my bank account to receive money while I teach online. Then, I go to the branch itself to open up the account, and SURPRISE! The rep said there would be a {$13.00} fee assessed, and that Santander uses and intermediary bank. She calls a service rep to confirm, and he sided with her. I call another service rep, and they say that no fee is assessed. She even wrote on my account that no fee should be assessed for the incoming wire transfers in foreign currency. I asked for this in writing, and this is when they began dodging my calls. I even had a rep hang up on me. 


Four more phone calls to 3 different service reps, 3 different departments, and 4 hours in total on hold later, the service rep replies " I really don't know. Is there anything else I can assist you with? '' I asked to speak with a manager, who said " We charge a fee. '' Me : " So the website is incorrect? '' Manager : " Well, presently, we need to update the information on the website to better reflect ... '' Me : " So the website is incorrect? '' Manager : " Yes '' And hung up.
I had a personal loan fro m Mariner Finance th at I stopped paying when I became unemployed in  XXXX  of  2016 . I had credit insurance that paid the loan f or 4-5 months during my unemployment. Mariner Finance filed a judgement against me while they were receiving payments from the insurance company. The company has unfair business practices, as they have  filed  XXXX  judgements against me, so it actually looks like I owe them double the amount of money. The reason for this particular complaint is because they have been doing hard pulls of my credit report, that were unauthorized since the account has been closed. I can furnish copies of my credit reports to prove this. They must be stopped. My credit is bad enough as it is, and they are making it worse.
I am filing a complaint against Transunion. I have submitted a dispute twice on the following collection accounts that are reporting on my credit report. I have submitted a dispute claim twice as well as via phone dispute on the following collections accounts reflecting on my credit report : XXXX XXXX XXXX reflecting a {$1400.00} collections account ), XXXX XXXX XXXX XXXX XXXX XXXX a {$1600.00} collections account ), ( XXXX XXXX XXXX- reflecting a {$580.00} collections account ). After investigating Transunion only provided me a response that these collection agencies meets FCRA requirements, although they fail to provide me with any original signed documents reflecting that this is in fact my debt. Considering that, I have had a fraud alert placed on my accounts due to fraudulent activity on my credit after several security breaches.Without being able to provide any legitimate documentation, I ask that this derogatory information be deleted from my credit report. My next step will be litigation, considering that this derogatory information is damaging and keeping me from acquiring any new credit.
I sent a dispute to Equifax on XX/XX/2018 regarding incorrect addresses on my consumer report. On XX/XX/2018 I received my Equifax results of reinvestigation in the mail and it shows that the three addresses were deleted because they were mixed. On XX/XX/2018 I paid to request my Equifax credit report and the three address Equifax stated were deleted are still showing up on my credit report.
I recently ordered my annual free credit bureau report from Experian. 

Because I am a previous identity theft victim, I have placed credit freezes on all of my credit bureaus for a charge of {$5.00} per bureau. When I ordered my bureau from Experian, a message came up that implies my credit bureau is not frozen, although I have proof in the form of a credit card charge that the freeze was lifted for about a week in XXXX and then placed back on the account. This is because we applied for a new HELOC loan. 

At no time while I ordered the free credit bureau report did the company ask me to pay {$5.00} to unlock my bureau. They also never required me to provide a pin number. When reviewing my bureau, no where did I find a notification stating my bureau is on a freeze. It clearly states this on my other credit bureau report. If my bureau has been unfrozen despite paying for the fee, I will be absolutely furious. I am attaching a screen print of the message from Experian when I ordered my credit bureau report.
Designed XXXX account with XXXX XXXX XXXX Hospital is reappearing and reporting a collection account of {$89.00} that was previously disputed in 2014. All credit reporting investigate along with the receipt for payment to XXXX XXXX XXXX hospital as paid in full and remove from all credit bureaus. Now designed receivables is still reappearing on all credit bureaus reporting lowering my credit scores. Along with them is the PayPal credit cards that received their payment and reporting as late pay on all credit bureaus reporting, my credit scores. Please investigate and correct my reports. Thank you. XXXX XXXX
Amex refuses to honor sign up bonus. 
My wife and I both signed up for the american express XXXX card with the XXXX bonus pts after spending {$750.00}. My wife got hers no problem, but mine never posted so i opened an investigation several months ago. Each time I spoke or chat, they told me different reasons. XXXX of the rep was claiming that I am not qualified for the bonus due to having other Amex product but I do not find that statement anywhere in the Terms and conditions. 
I understand they honors a sign up bonus once in a lifetime par product however, I never had XXXX credit card before. 
My wife also has several other Amex credit cards but received her XXXX bonus without any problem.
Recently there have been changes to my Transunion Credit Report. I requested XXXX to mail me a new and up to date credit report. Transunion has failed to comply with my request. I am requesting XXXX to send me an up to date and current credit report.
I am Victim of identity fraud, i recently found out that someone has been trying to apply for credit card with my information and this lead to me having too many inquiries on my credit, Best-buy credit department decided to close my account that i have been having for over 5 years with good payment standing due to me having a lot of inquires on my account. i spoke to a young lady and she said there's nothing she can do even if i file a dispute, i will have to re apply for a new account, we all know how important credit age and history is on credit.
The firm XXXX continues to attempt to collect a debit that discharged via Chapter XXXX Bankruptcy. In XX/XX/XXXX, the vehicle was originally fnanced with XXXX XXXX XXXX, then sold to Santander Consumer USA who became my new lender. In XXXX of XXXX, the vehicle was respossessed, and the deficiency balance was owed to Santander USA. In XXXX of XXXX, the deficiency balance owed to Santander USA was discharged in U.S. Bankruptcy Court. On XXXX/XXXX/XXXX, XXXX attempted to collect the deficiency balance on the debt from XXXX XXXX XXXX. I informed them that the debt had been sold Santander USA, the vehicle repossessed and then been discharged via Chapter XXXX Bankruptcy. The customer service representative then became combative and abusive and told me " That is not my problem, will you be paying what you owe us? '' I said no, I do n't have -- the debt has been discharged.
PLEASE HELP!!! BEGGING YOU! 
XXXX IS SIMPLY A DISASTER. 
Account for XXXX ( XXXX ) was settled via XXXX XXXX XXXX on XXXX.2016. I initiated numerous disputes with Equifax and CFPB to remove balance from my report. STILL THERE! 
Equifax removes it from my account just to put it back on few days later. I dont know what to do with it at this point. Last dispute that i initiated with equifax sits on their website still open for probably 4 months or longer. No phone number to call or otherwise reach to them. I cant hate it enough, this is not funny. That is the only account that sits on my report and ruins everything for me. 
HELLO EQUIFAX!!!!!!! I SETTLED THAT ACCOUNT AND PAID SETTLEMENT IN FULL OVER A YEAR AGO!!! THERE IS NOOOO BALANCE ON THAT ACCOUNT. 
PLEASE REMOVE THE BALANCE!!!! PLEASE DO NOT!!! PUT IT BACK NEXT MONTH!!! PLEASE UNDERSTAND THAT I AM A GOOD CITIZEN TRYING TO BUY A HOUSE FOR FAMILY AND BECAUSE OF YOUR ERROR I CANT. PLEASE INVESTIGATE WHY THIS BALANCE COMES BACK EVERY TIME YOU TAKE IT OFF!!! PLEASE!!!! 

Thank you very much, XXXX
I have contacted XXXX personally, submitted a dispute with Experian as well as contacted the consumer protection bureau regarding this matter. XXXX is Continuing to report inaccurate information to Experian credit reporting bureau. XXXX is reporting one ( 1 ) inaccurate account from XXXX XXXX 's XXXX ( XXXX ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) XXXX ( XXXX ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.
Back in XXXX I receive a statement from citi bank about my secured credit card. In the statement the detail stated that my account would be close for late payments. on XX/XX/XXXX I made a payment of XXXX dollar on XX/XX/XXXX the company applied my XXXX dollar security deposit to my account with made me owing only XXXX to my account. On XXXX XXXX I paid the XXXX at that time my account was at XXXX and had already been close prior to me making that payment. I no this because i called the company the same day that i made the payment to ask if i could start back using the card. I was told by representative that my account was close and at a XXXX balance and that with a secured credit card if the account go over for late payments that they would apply what ever security deposit that was put down and that they would close the account. This all happen on the XX/XX/XXXX. then on the XX/XX/XXXX. The company charged me interest and late fees on an account the was closes prior to the XX/XX/XXXX. and they are still adding late fees to this closes account. I have call them and all am getting is that i own a fee. i am not understanding have a company can change you a late fee after you paid the payment that was due and after the account was at a XXXX balance and close by them.
Debt was paid to XXXX XXXX XXXX  and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.