WillisBack/dataset-financial-user-claim huggingface dataset:
A XXXX sales agent contacted me in XX/XX/XXXX to inquire as to whether or not I was interested in switching from my phone provider to XXXX. The agent explained that the promotion entailed XXXX free minutes a month to any country of my choice. I inquired if the promotion included the XXXX XXXX. The agent replied in the affirmative. I expressed my surprise at this and ask for confirmation that the XXXX XXXX was included in the promotion. The XXXX agent again replied " yes - the XXXX XXXX is included ''. I selected the XXXX XXXX as my country for the free minutes and indicated to the XXXX agent that this was my sole and only reason for accepting the promotion and offer to switch to XXXX. She congratulated me on my selection. 
In fact, the promotion did not include the XXXX XXXX and the bill for the XXXX month was {$800.00}. I called XXXX and the agent explained that the promotion in fact was never intended to cover the XXXX XXXX. I explained that I relied on the XXXX agent who misinformed me and cancelled my XXXX phone service. XXXX apologized for its error and indicated that I would not have to pay the bill. I received a credit for {$800.00} on my final bill. When I contacted XXXX on XX/XX/XXXX, a representative confirmed that I owed {$0.00}. 
However, I recently discovered that XXXX has turned the bill over for collection, ( the name of the company is Debt Recovery Solutions ) which has negatively impacted my credit score and has prevented me from refinancing my mortgage. 
I have contacted the debt collection agency, which indicated to me that it has no information to support my assertion that the money is not owed, and that therefore, they will continue to try to collect the {$800.00}. 
I again contacted XXXX, which informed me that since they sold the debt, that there is nothing that they can do to assist me to resolve the matter. 
Thanks you for your assistance and keep up the good work that you do on behalf of the American people.
My auto company CNAC makes repeated calls to me and XXXX other people that are my friends and relatives no matter how many times I give them what they need. It wo n't stop and it needs to.
I had a loan back in XXXX with first Virginia loans. The loan has been paid off in full with bank statements for proof. Well as of XXXX they are saying my loan is in default and I have n't made any payments.
I wrote a letter to Experian asking them to investigate mistakes on my credit report. They wrote me a letter back stating that they refused to do an investigation. They said they were not going to do the investigation because they did not think the letter came from me. That 's ridiculous. They gave me a number to call to confirm the letter came from me but I could not speak with a live person unless I bought something. I think Experian is just trying to get me to pay for an investigation that should be fee.
This is a complaint from XXXX XXXX against Second Round for Second Rounds failure to provide requested information for the debt alleged. On XX/XX/18, consumer ( through legal counsel ) wrote to Second Round with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, Second round responded with a letter and statements from the original account. These statements are not enough to show the creditors authority to collect on this debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
I received a phone call from XXXX XXXX onXX/XX/XXXX in an attempt to collect a debt in the amount of {$630.00}.

On XX/XX/XXXX, I requested two months of forbearance on my loans because I lost my full-time job. These were granted with no issues, and I was not informed of any restrictions moving forward on using the rest of my forbearance months ( XX/XX/XXXX   remaining ).

I do not have a full-time job, and my monthly income is {$1800.00} ( I work three part-time jobs ). I am unable to afford my fixed expenses ( {$2400.00} ) in full so I attempted to speak with XXXX about using some forbearance while I tried to catch up. However, they informed me that 9 monthly payments must be made in between the use of forbearance before another 2 months can be used.

This is the first I've heard of these stipulations. I am behind on this loan and if I have 10 months of forbearance, it would be helpful to be able to use it since this is why it exists. I'm working on pulling up my promissory note from when I originally signed the loan with XXXX in XX/XX/XXXX ( XXXX now services XXXX XXXX  loans ) because I don't believe I was ever informed of us. If I was, I would have potentially reconsidered using the forbearance some months ago.

This aside, XXXX was unable to work with me any further on. Is this what it's come to? If people can't make a payment, they just push you into a bigger hole of debt?
On XX/XX/XXXX I recevied a notification on my phone from my bank regarding a pending charge from " XXXX   XXXX XXXX XXXX , CA, US '' . As I did not recognize the charge and it was quite large ( {$1000.00} ), I contacted my bank, Ally Bank, immediately to dispute the charge. They told me that as the charge was pending it could not be disputed and I must wait until it posts. It posted the next day, XX/XX/XXXX and I disputed it the same day. A provisional credit was returned to my account while the bank investigated. 

Flash forward to today, XX/XX/XXXX and I notice the provisional credit has been reversed. I check my account notices and notice a message from XX/XX/XXXX that I was never alerted to indicating " Our research indicates that the transaction was authorized and is correct. Thus, the transaction will remain posted to your account. '' When I contacted the bank to dispute this, they informed me the decision is final and I would need to contact the seller for a refund. When I informed them the " seller '' is a pyramid scheme and this is a known scam, they told me to " look for another way of getting your funds from them. You may want to speak with a lawyer and discuss all options out there. '' I was told they based the decision on the fact that the seller provided evidence of the order and delivery of an item to my address. I informed them this is a known scam with this company ( see others reporting it here : XXXX XXXX XXXX ) and " Federal laws prohibit mailing unordered merchandise to consumers and then demanding payment. '' ( XXXX XXXX XXXXXXXX ) but they continued to refuse any assistance in returning my stolen funds.
In XX/XX/XXXX, I received a promotional offer from XXXX XXXX XXXX for my credit card account, offering me 0 % interest and 0 % transfer fee for any purchase using the promotional checks sent to me in the offer packet. 
On XX/XX/XXXX, I used a promotional check written for a total of {$6200.00}. 
Since then, I have contacted XXXX numerous times via their messaging application on my account to ask why I am being charged two interest charges each month on my statement. 
One entry shows interest on purchases, and the second entry shows interest on cash advances. The cash advance interest is always {$10.00}. 
The promotion check I used did not specify that it would be categorized as a cash advance. 
In my XXXX message to XXXX, I explained that I need a comprehensive explanation for the fees, and that I am considering filing a complaint with CFPB. 
I received a call on Sunday morning, XXXX, from XXXX, saying they had made a mistake in printing the promotional checks and that I would be refunded the {$3.00} transfer fee, but no interest would be refunded to me. 
I used the promotional check because the offer stated that I would have 0 % interest for 12 months. 
Since then, I have paid off the balance of both the promotional check and the purchases, but I am unhappy that the promotional check was charged interest as a cash advance when the offer stated the promotional checks would would be interest free for one year. 
XXXX claims they have corrected their error by refunding to me the {$3.00} transfer fee. 
I would like all the interest I paid on the promotional check/ '' cash advance '' refunded to me, which totals {$250.00}, or {$10.00} for 24 months.
Experian reportedly verified a Bankruptcy file date on XX/XX/2018. By law, I have the right to request and receive the following information regarding how that information was verified. If that information from the XX/XX/2018 investigation is not received, Experian is in clear violation of FCRA laws and the item must be deleted. ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. The CRAs must respond to my request within 15 days and provide the information.
I have just been reading about the HSBC Advance Checking Maintenance Fees ( that have been deemed illegal in some countries ) and checked my own checking account to discover they have been charging me $ XXXXmonth for years. I never use this account ( other than for transferring money between US and XXXX HSBC accounts ) and they have charged me an incredible amount of money. The search function on their website only goes back as far as 2016. But I think these charges go much further back. 

This account was mis-sold to me. I had no idea I would be charged a fee for going below a certain amount. If may have been buried in the Terms and Conditions but I was not properly made aware of that. 

I have other Checking Accounts with XXXX XXXX and XXXX, which do not charge me a fee. 

I feel very XXXX  for not checking my statements but I have also not been told before/during the opening of this account that I would need to pay a fee ( for literally no service ). 

These " packaged accounts '' have been deemed unethical in many other countries : XXXX XXXX XXXX I am happy to adhere to the policies of the account in the future ( now that I have been informed of them ) but this taking thousands of dollars from my account is not acceptable.
I filed an identity theft dispute for a card w/all XXXX bureaus at the same. Included my info + FTC identity theft report. XXXX and XXXX quickly investigated and removed the card. Experian has continually lost my paperwork info/constantly closes the disputes saying the credit grantor does n't know how to contact me to discuss the identity theft when I SENT THEM PROOF OF A CERTIFIED LETTER +THE CREDITOR 'S RESPONSE TO SAID LETTER. Every time I re-open the dispute they ask for the SAME PAPERWORK I have already sent AT LEAST 3 times both via certified mail and now on their website. ( Which it took months to get it to actually work for the document uploads without giving me an error. ) Every time I call the lines are busy, and I just keep getting these mailed responses telling me to re-send all the documents I have already sent 3 or 4 times both physically and electronically. And to also reach out to the credit grantor. ( Even though I sent proof of already doing so. ) Throughout ALL of this they have not actually investigated the actual identity theft even though there 's tons of proof behind my not taking out the card. I sent them a letter explaining the situation, including the fact that some phone numbers, addresses, and employment on my report along with the card were from that very same identity theft. So of course they remove the phone numbers, addresses, and employer ( removing the evidence, but not the actual issue ) but leave the card and ask for all the paperwork I already sent yet again. 

I am so beyond done with this. There 's only so many times I can re-send information before just assuming a company is completely inept, especially given how quickly XXXX and XXXX resolved the issue. I can not believe that this company is still considered one of the " big XXXX '' credit bureaus in the United States. How laughable.
It has been several credit inquiries from companies listed on my credit report with XXXX credit bureau, I have called and talked to customer service that were unable to provide with any information about these inquiries. I was told that they don't have any record of pulling my credit. I contacted the customer service numbers listed on my report. I have a fraud notification on my report that companies are supposed to call me for verification. These inquiries did not result in any loan or card being dispersed. 

EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX  XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
The login process at Coinbase requires 2-step authentication. Unfortunately, I do not have my old phone number ( required to recover the account information ) any longer. The following step would be for me to verify my ID, which would enable me to recover access to my account ( that has {$7600.00} ). 

This all took place in XX/XX/XXXX. Since then I have talked to representatives from Coinbase that would work with me to verify my ID and recover my account, however I have been with no response since XX/XX/XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I have called Coinbase 's customer support 3 times, and every time they have promised a response in 24 hours - which failed to happen every single instance.
I have an unverified account from XXXX account # XXXX that was placed on my credit report and I have been trying for over XXXX months to get this entry removed. I have spoke with numerous representatives, supervisors and even managers in regards to the erroneous account and i have yet to get it resolved. This is my XXXX dispute in which I am currently waiting for results. I have repeatedly requested tangible documentation whether electronically or hard copies and Trans Union has yet to verify. All they send is a letter with a statement saying " the account is verified ''. I demand that this unverified account : XXXX is PERMANENTLY DELETED FROM MY CREDIT FILES due to lack of verification and INACCURATE REPORTING.
I have requested on several occasions, both written and by phone communications that I want copies of all student loans procured with XXXX. I requested a complete detailed ownership chain as to who owns these debts, I requested each loan number, assignments of debts and any or all securitization trust these loans reside. To date there are no loan histories that I requested, including the name and serial number ( s ) of each trust there loans reside, or if they are guaranteed by the United States Department of Education, I demand copies of any securities agreement between myself and the Secretary of Education. I aslso requested a consolidation agreement sent to me on all loans. It appears that a number of my loans are duplicated on my credit report, ( See Attached ). Therefore, I need true copy originals of each validated loan transaction and a consolidation agreement to be mailed top me within thirty ( 30 ) days, along with verification of ownership.
XX/XX/XXXXMy legal name is XXXX XXXX XXXX XXXX, and my social security number is missing from this report!  When I applied for housing in XXXX XXXX On XX/XX/XXXX Experian created a credit report number:XXXX for XXXX XXXX. This report included two incorrect social security numbers and not one of these numbers included my correct social security number. This report included my XXXX mothers information name and address in Hawaii. They had my name spelled incorrectly eleven times. My maiden name was XXXX XXXX XXXX. They have my mothers address XXXX XXXX XXXX, XXXX XXXX which I have never lived at. They had a credit card listed from XXXX XXXX XXXX with a balance of $ XXXX. which was dismissed when I received a XXXX from XXXX XXXX XXXX two years ago and showed I still owed the amount. The fact they are creating a credit nightmare with all the wrong in formation has me really angry also that they are using my XXXX mothers information as mine is so negligent and disrespecting me! I worked for a XXXX 15 years and I used to be a XXXX who used credit reporting agencies all the time. I lived in XXXX for 20 years. My XXXX XXXX is new to me so I am not able to get it to you online. I will send a paper copy to the CFPB for your records.
My partner and I are the beneficiary of an estate and have inherited a home in FL. The property was fully paid for ( No first mortgage ). The owner had a Home Equity Line Of Credit available which has never been utilized in any way and has a ZERO balance due. The Decedent went to great lengths to create an estate that would not require any probate actions upon his death. He had XXXX outstanding debt and lived a simple life. Upon his death my partner and I as joint tenants on the deed took ownership of the home. 

In order to improve the property to lease it we have been approved for a first mortgage by XXXX XXXX. Chase bank is holding a lien for the HELOC and is refusing to close the line of credit WITH A ZERO BALANCE without a court authorized agent signing a bank required document to close the account. The cost of probate to appoint a court authorized agent will cost XXXX to XXXX XXXX dollars in attorney fees to have a line of credit closed. I have already spent {$330.00} for an attorney to send a letter explaining the UNREASONABLE BURDEN this arbitrary requirement CHASE bank is imposing on us.
I was referred to Waterstone Mortgage by a realtor. I was told to work with a gentleman named XXXX XXXX. After speaking with XXXX XXXX on the phone and him reviewing my situation he referred me to his colleague XXXX XXXX so that she could advise my husband and I how to get our credit started again. We met with her and she advised us to get a savings loan, a prepaid credit card and to become authorized users on a family member or friends credit card in which we did all of those things. The authorized user was false information. She also told us NOT to pay off any of the items that we owed on our credit report. Af the end of the 30 minute meeting she told us that we owed her {$300.00}. No cost was mentioned until the end of the meeting. My husband gave her {$200.00}. She said to do the 3 things she mentioned and call her back, we did and it took 2 weeks to hear back from her. She said to come back to the office to talk. We went back and she had lost our file, she said that she left it at her home and I found it odd that our file would be at her home. We had to give her all of our information again and the last {$100.00} that she said we owed. We paid her in cash she said that they did n't take debit or check. We did n't get a receipt and I know that is my fault but when we gave her the money XXXX XXXX was there, although I did find it quite odd that XXXX put the money in her purse. She then gave us one of XXXX business cards and wrote on the card that we would get {$300.00} off our closing costs when he got us financed. I tried calling and texting XXXX a dozen times or more and I never heard back from her. This originally took place the beginning of XXXX 2014. During the winter we saw a place that we were interested in and I happened to know the broker. The place had been sold but I told him that we were working with XXXX XXXX and he laughed and told me that XXXX had discretely quit Waterstone and was no longer in that line of work. I called him because I still could n't reach XXXX and XXXX told me that by rights she should refund my money. He then refereed me to his brother XXXX and when I told him what had happened and he said that XXXX was a family friend but he would never use her in his business because she checks out and goes to XXXX quite a bit. I learned my lesson but I feel like me and my family have been taken for money that we could have used and we trusted someone that was supposed to be helping us. I have XXXX children of which one has XXXX and I 'm paying more for rent than a house payment would cost me. I feel as though XXXX took advantage XXXX. Even if no action is taken against her I think people need to be warned about the way she conducts business. Thank you for your time and I would appreciate it if you would look into this.
From XXXX through XXXX I used Federal Student Loans while I attended XXXX XXXX University. 

From XXXX - XXXX my wages were garnished by the collection agency managing the loan debt. I have attached the payroll records. The total payment made through the garnishment was {$20000.00} dollars between the above referenced timeframe. 

Since then I have gone through multiple loan rehab programs. 

The issue is that there is never any record of what I have already paid into the loan via the garnishment and the rehab programs. 

These loans are constantly reported on my credit report and I have attempted to contact the XXXX Department of Education and they still have no record of me making any payments toward the loan. 

This has been a major burden for me and my family. 

The loans are now with Navient.
IC Systems is reporting a collection account on my XXXX credit report that has not been validated or verified. I have never received anything in the mail from them and then I look at my credit report and they have a {$65.00} collection on there.
i got a phone call from someone stateing i was chosesn to recive a government grand and could recieve it though western union. all i had to do was send a deposit for my money to have a hold and would get the money bk with the grant so i send the money waiting to get a tracking number then was told to call another number for the federal reserve bank. i call them and they want me to send more money i said no and i wanted the money bk from which ive already sent they say they cant do that because it has all ready been processed. i dnt know wat to do to get my money bk now.
I received a loan from XXXX for XXXX in XXXX XXXX. I had paid them XXXX by XXXX/XXXX/XXXX yet they still showed me as owing the XXXX balance. The legally allowed interest rate in CA is XXXX per XXXX borrowed, which would have been a grand total of XXXX legally allowed. I wrote them on XXXX XXXX revoking my ACH authorization as they have now been repaid the amount legally allowed. This morning that again deducted XXXX, meaning they have taken XXXX, as well as still showing me owing XXXX and ignoring my letter revoking ACH authorization.
PNC bank has been contacted to cease all telephonic communication but has not only continued calling but has started calling others in my family to try and collect the debt.
XXXX XXXX is a collection agency and is reporting inaccurate information about me to Experian. After my initial dispute they are reporting an account for {$67.00} on my credit report.
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.