WillisBack/dataset-financial-user-claim huggingface dataset:
I have already submitted a complaint on Barclaycard to you in reference to a credit line reduction and the fact that the did not want to credit a XXXX payment made in XX/XX/XXXX to the XX/XX/XXXX due out. Only one of those two were resolved that being as they quoted as a goodwill gesture they would apply it to be credited to the XX/XX/XXXX payment. As I stated to you in my previous complaint they do this and get away with it so that they can increase the monthly due and the interest rate goes up. I have attached both the XX/XX/XXXX statement and now the new billing for XX/XX/XXXX please note the credit of the XXXX payment. Also as I stated please compare the 2 billings before the complaint was filed the XX/XX/XXXX statement reflected a balance of XXXX with a monthly minimum payment of XXXX now look at the XX/XX/XXXX Billing the Balance Due Increased to XXXX which was an increase. When I pay my other credit cards they may not decrease much but they do decrease some each month, My question now to Barclaycard is where did the XXXX payment go and how did the balance increase instead of decrease. If this was the way they all worked I would never get them paid off. Perhaps what I stated in my last complaint is really true. So again what did they do with the XXXX as it was an overpayment of XXXX over the requested minimum payment due of XXXX. If I had the money I would just pay them off but even then they cant get the right amount reflected as due according to what I figure and that is giving them their Interest charged for that period the current balance should reflect XXXX. I have posted a minimum requested payment due which also went up to be paid to them no sooner than the due date. They need to correct the balance due.
Hi, I recently submitted a complaint with Equifax to report my credit card through XXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They responded with the same information that they said previously which was to contact the credit union to have my credit card reported. Well, I 've done this with the credit union and they claimed to have reported the credit card to Equifax. I 'll include email confirmation from the credit union stating that they 've reported this information to Equifax. I ask that Equifax contact the credit union to make sure this is reported. I 'm also going to submit a complaint against the credit union providing the exact same information asking them to contact Equifax. I 'm tired of going back and forth between the two companies and each of them telling me to reach out to the other. I 'm not asking for a lot at all. I just simply want my credit card reported which I know will increase my credit score and all me to do other things that I desire with my credit. There needs to be communication between the two companies. I 've provided as much information as I possibly can at this point. 

XXXX
I have been trying to reach out to XXXX to understand why they are reporting that I still have a balance. I 've sent multiple certified letters to them at the address listed on my credit reports, and the certified letters keep coming back to me as undeliverable. Yet when I request validation of this account and balance from the credit bureaus, my account is being updated as validated by XXXX. I 'm not receiving any documentation or validation, yet when the credit bureaus reach out to them, by credit report loses points because XXXX somehow validates this account and begins to report it again. I have verified several times that my certified letters are going to the same address that is listed on my credit reports and there is no phone number listed for them. This is absolutely ridiculous and really hindering me from obtaining certain credit lines.
On XXXX XXXX and XXXX XXXX, I notified Chase and all the credit bureaus that the information being reported was inaccurate. They have not verified the information and by law must remove this inaccurate reporting.which have not. 

I asked them to produce documents to show that this was my correct account and a pay history showing that I was late in my payments. Nothing was sent to be.
XXXX XXXX keep pulling my credit without my authorization I did not give this company permission to pull my credit I am not in the market to purchase a home
Dear agent, I 'm writing to complain a issue with Coinbase.Inc ( https : //www.coinbase.com ).

I made multiple purchase of Bitcoin through coinbase on XX/XX/XXXX. And there 's one transaction there of the amount {$300.00} did went through, but they gave me the correctly amount of Bitcoin to my Coinbase account. I think that was due to my bank 's fraud protection ( they see multiple buys in a short time as a suspicious activity ). So my bank charged the {$300.00} back. Coinbase realized this issue and lock downed my account ( with still more than {$2000.00} dollar USD in their XXXX account ), and I can not buy/sell or access my XXXX account after that. I called my bank tell my bank to accept any charge from Coinbase, and opened a support ticket on coinbase, stating that it was an issue with my bank and I do want to pay them!!! As for now, 1 month has passed, the issue has still not been resolved. I do n't see charges on my bank account, and I can not access my coinbase account and the fund in coinbase. It feels like they are taking my fund as a hostage. I do like to pay the amount I own them, but they are not doing anything to fix that. I tried to call them twice a week and get the boxed reply everytime, I even asked do I need to provide any additional payment method, they said no. I just have to wait and they keep my account locked and my fund in there. I think this can really be called fraud now. Please help! 
My coinbase account email is : XXXX The support ticket is : XXXX XXXX XXXX XXXX Best, XXXX XXXX
XXXX/XXXX/2015 XXXX law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with Best Buy which I do not. They disclosed I owe {$5.00}, XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.
I contacted my mortgage company Bank of America and requested assistance though a home loan modification in XXXX. I was told by my customer relationship manager that I was eligible for a home loan modification based on information submitted. I sent out the required documentation once I received the packet. I called him and advised that it was taking a long time to receive the information. He told me that the info should have been sent out overnight via XXXX. He stated that he would notify management of the delay. The information instead was mailed out weeks later. This was in the month of XXXX. In XXXX 2016 I received a letter acknowledging receipt of my info. The letter also advised that if any or documentation was required, I would receive a letter spelling out requirements. I was never provided as response as to why I was not receiving correspondences as the letter stated that I would. I never received anything else from the bank. I spoke to my Customer relationship manager several times and he would advise of what the underwriter was asking for. They asked for the same info for XXXX4 weeks in a row. The separation agreement between myself and the borrower, an explanation of XXXX of the child support orders, and a few explanations of deposits/withdrawals on bank statements. I repeatedly sent over the same documentation and they continued to acknowledge that they had it yet continued to ask for it. 2 business days before the sale date they requested the other borrowers information, as in check stubs, bank statements, tax returns. Initially they told me that I did not have to submit that information and could apply on my on. A Quit Claim deed was submitted as well. I submitted the other borrowers information on XXXX and they received. I was told on XXXX/XXXX/16 that the foreclosure would be submitted for postponement due to all docs on file. The sale was never stopped. In fact on the day of the sale I was still being asked for documents. I know that Bank Of America deliberately ran the clock out on me, never providing any alternatives to the modification, nor giving me the opportunity to request any other avenue of assistance, when they had all the required info to make the determination or a decision. They dual tracked my account with the intentions of stealing my home.
Recently Navy Federal has been found guilty of illegally freezing members accounts and only allowing certain access when past payments on accounts are due. Navy federal illegally doing this caused late fees assessed through my rental company. When they froze my accounts the rental company was unable to draw money from them. How can I go about getting these fees credited back due to the actions of Navy Federal?
Naivent  offered me a settlement of {$8600.00} for  XXXX  private loans totaling {$29000.00} Last  XXXX . I paid the {$8600.00} and was told I would receive a lett er in 30 -60 d ays saying 'congratulations on paying off your student loan '. Well I never received the letter and the loans are still open saying I made a payment in  XXXX  but now they are past due. I ca n't get anyone at naivent to fix this for me and Now it 's hitting my credit report every month. I 've called naivent and they repeatedly say 'let me transfer you to the right department and I get hung up on. I finally t alked to one person after three tries and was rudely told I need to contact them by a different number.
I have been trying to get my free report and scores but no Luck!

with XXXX   Bureaus but after I put my personal information I get a window message that says no record on the data you entered.

instead I get soliciting products or services to purchase from them.

only Experian sent me a report but without scores. was requested on XX/XX/2018 with wrong & outdated information that passed 8 years.

while XXXX can NOT be accessed at all
nationstar mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under XXXX on a mortgage loan that was settled in XX/XX/XXXX by XXXX through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through XXXX to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold ) to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows two or more of these charge.
To the Consumer Financial Protection Bureau : I XXXX XXXX, now files a complaint against a collection agency that has acquired information pertaining to a business that has been closed for well over seven ( 7 ) years. The XXXX of XXXX realizes that there are mandates for the collection of state fees for corporations to remain in good standing. These fees, once unpaid for one ( 1 ) year automatically dissolve a corporation or limited liability company originally accepted by the XXXX. In the attached letter, a collection agency is very cutely trying to show that they are trying to collect a monthly withholding tax, which is ludicrous enough. The Federal Trade Commission realized that trying to maintain a reasonable collection system in the country is impossible without legislative measures from Congress, an act that has been voided since Congress is moved only by lobbyist from various banking concerns and the thousands of collection agencies nationwide that can not be regulated. However, this collection by an entity known as The Allen Daniel Associates , Inc. is so corrupt and a threat against me personally or my driver 's license, that this agency should be permanently barred from acquiring information from the XXXX Department of Revenue. It may be possible that the XXXX has no idea that such a collection activity even exists, or that this state agency in in collusion with a collection practice that steps far beyond Fair Debt Collection Practices Act guidelines. One thing is certain, the corporation has been closed for far more than one year, and that there was never a withholding tax instituted by the XXXX of XXXX. I demand that all demands for payment cease and desist by this small-time collection agency known as The Allen Daniel Associates , Inc., and that this information from the XXXX of XXXX Department of Revenue be purged permanently. There is legal precedent on my side, and this threat by a collection agency on fictitious numbers and on claims that can no longer be legally enforced is a disgrace to the measures enforced by the Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX - 2009 ) I demand that this collection agency be sanctioned by the CFPB and that the XXXX of XXXX be warned that these threats of illegal collection actions be shut down immediately. I will follow up with a complaint to the XXXX, both in the XXXX of XXXX XXXX as well as the state of XXXX if I do not have all collection actions permanently closed out within ten ( 10 ) business days.
The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/XXXX when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/XXXX needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.
In mid XXXX, I pulled my credit report from Equifax in light of all the recent breaches. On there I noticed 2 public records that do not belong to me. I disputed them and they came back to me on XX/XX/XXXX stating that they belong to me and it was verified through a 3rd party XXXX XXXX. I never gave XXXX XXXX authority to have my personal information neither did I give Equifax authority to give my information to someone else. I also researched the information they are reporting and find that the XXXX County Register does not report to the credit bureaus and furthermore does not have the information they are reporting in their records. 

Furthermore, starting XX/XX/XXXX, the three major credit reporting companies Equifax, XXXX and XXXX were impose with stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth.  which they do not! 

My name is a common name and with all their neglect and exposure of my credit file I am asking you to help me to get them to remove these two files from my report. 

Case # XXXX XXXX County Register of DeedsXX/XX/XXXX Case # XXXX XXXX County Register of Deeds XX/XX/XXXX These accounts are not listed on no XXXX or XXXX.
I have spoken to Pioneer collections twice since XXXX 2016 yet they have been continually called my family members, friends and past employers to gain my contact info. I own my own business and to have them call people who I 've worked with is hurting my future business.
I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -
I received a credit report from Experian regarding a previous complaint on XX/XX/XXXX, Dispute Results Report # XXXX. It says to assist you in understanding summary, we have provided additional information that relates directly to items on your personal credit report. PLEASE REFER TO YOUR CREDIT REPORT FOR UPDATE. THERE WAS NO UPDATE. They don't explain what they call a FICO Score 8 as to why it dropped 62 points. They quote to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited time amount of your information regarding dispute. This dispute was made on XX/XX/XXXX, and dispute done on XX/XX/XXXX. That is not what they said in the reponse to my CFPB Complaint. On my credit report they are allowing XXXX XXXX under Status Foreclosed. This account is scheduled to continue on record until XX/XX/XXXX. They are allowing XXXX XXXX 's statement remain on my report that this account is to continue XX/XX/XXXX when it doesn't match their payment history. This item was was updated of your dispute in XX/XX/XXXX, again no update. As a consumer on a foreclosed property the date starts as of the the first deliquency date and stays on your credit report for 7 years. My first deliquency date was XX/XX/XXXX which shows on XXXX and XXXX and should be removed on XX/XX/XXXX. You as a credit reporting agency that see 's my credit report that XXXX XXXX will remove the foreclosure in XX/XX/XXXX, which is not true. I am tired of fighting with Experian and their dropping my credit score by 62 points. Their customer service reps don't know what their talking about and they are rude compared to the other bureaus. You as a credit bureau reporting agency are the worst for customer service. I may have difficulty speaking with XXXX   and XXXX but they are polite. I have my foreclosure coming off of Experian XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. So XXXX XXXX reports the wrong information and the credit bureaus are letting them report the wrong information. Again I never made a payment in XX/XX/XXXX and I want the payment of XX/XX/XXXX removed. I want you to see what they were reporting to XXXX which XXXX XXXX f/n/a XXXX XXXX XXXX changed when they took over in XXXX. Now see the company I am fighting to make them get my credit reports right to all credit bureaus!
I appreciate partial Lien release received XXXX 2015 - I am requesting full release to be filed in county recorders. I sent letter XXXX XXXX, 2015 - acknowledgement of letter has not been received. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CaliforniaZip Code XXXXRe : XXXX XXXX, vs. Ally Financial and General Motors Auto Credit, et al., Dear XXXX XXXX, XXXX. : Responding to your letter of XXXX XXXX, 2015, your are aware that any action against the property of a debtor, who has initiated proceedings under any chapter of the United States Bankruptcy Code, especially actions which affect any interest the debtor has or may have in that property, are void regardless of actual notice of the Bankruptcy proceedings by the creditor. The XXXX Chevrolet Corvette in question, is listed as an asset in my Bankruptcy proceedings and the loan pertaining to its purchase and the judgment obtain for its possession are listed as liabilities on my Bankruptcy Schedules of Assets and Debts, and all relevant parties received actual notice of the pendency of the proceedings. 

There is now pending a request to reopen my Chapter XXXX Bankruptcy proceedings to address your clients knowing and willful violation of the provisions of the automatic stay of the Bankruptcy Code. I demand that the vehicle in question be immediately remitted to my possession on or before XXXX XXXX, 2015. If not I will consult legal counsel regarding the appropriate action to be taken to compel the turnover of this property of my estate or for such damages as I may be entitled.
I run a small business and have been banking with regions bank for a few months what a huge mistake at times my account has a low balance and they take advantage by reordering large transactions over ver small ones so they can collect large fees at times a few Small transactions that total less than XXXX dollars have cost me over XXXX in fees if they would process as the items came in this would never happen this is a huge scam
Once again upon reviewing my credit report I noticed accounts from ARS placed. I have NEVER received any information written nor phone calls about this alleged debt until after I asked for validation. I have NEVER been aware of this alleged debt until I pulled my credit reports this year. I mailed validation letters twice via certified mail on XX/XX/XXXX and have received no reply to them according to my request. Under the FDCPA I have a right to debt validation. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. I have asked of ARS multiple times to allow ME to validate the alleged debt by doing the following : 1 ] Sending me a detailed breakdown of fees and any collection costs and medical charges.
2 ] Sending me a copy of my signature with the provider of service to release my medical information to ARS.
3 ] Sending me FULL DOCUMENTATION of what was received from the provider of service.
To this date I have NOT received any of the requested information above. I have only to this date keep receiving the same statements on ARSs letterhead that could belong to anyone and is NOT ... I repeat the ARS letterhead statements are NOT validation and can NOT and does NOT serve as proof that I owe this alleged debt. Reporting information to the credit bureaus that has NOT been validated is indeed a violation and ARS is violating the law. ARS is refusing to validate the alleged debt by not complying to my request as once again I am legally allowed to request validation. ARS must permanently cease and desist any credit bureau reporting of this alleged debt.
I'm writing to disputed an unknown debt collection that I have been harassed by Cavalry SPV I , LLC. I have been received Mails and phone calls harassment to attempt to collect the debt that I did not inform. I believe my information has been used without my consent. Please investigate thoroughly as the phone calls harassment from Cavalry SPV I , LLC has caused me a tremendous amount of emotional toll and felt threatened by this company.