WillisBack/dataset-financial-user-claim huggingface dataset:
I had an account with XXXX XXXX linked with autopay XXXX XXXX  XXXX XXXX Credit Card. I closed my account with XXXX XXXX in beginning of XX/XX/2017. Thereafter I requested XXXX XXXX XXXX to freeze my account and they never completed my request. A charge of $ XXXX/- came through for XX/XX/2017 fraudulently from XXXX XXXX for the entire month. I disputed the charge with XXXX XXXX XXXX Card with all supporting documents ( including vacated unit receipt from XXXX XXXX ). XXXX XXXX did not help me kept adding late charge and reported me to the 3 Bureaus as Charge off $ XXXX/-. As a result my excellent credit scores maintained all these years went drastically down. As a result my financial situation got effected and my mortgage is still sitting unapproved. I contacted all the three bureaus with similar dispute and all supporting documents and as a result XXXX XXXX and XXXX recognized the fraud and deleted the charge off from XXXX XXXX from my account and report as a result my XXXX XXXX score went upto XXXX and XXXX to XXXX. Unfortunately, Experian has still not helped me inspite of repeated calls, disputes and emails. My score still sits at XXXX. This is very frustrating and ridiculous my financial condition is still effected and my mortgage approval is in limbo. Please help me.
Unfair, deceptive, and abusive sales practices. Formal complaint against Ally Financial and XXXX XXXX XXXX. - I purchased a XXXX XXXX XXXX on XX/XX/2016 at XXXX XXXX XXXX in XXXX, Florida 5 days after the death of my mother. The dealer and the bank took advantage of my vulnerable state of mind and sold/financed a vehicle that has an existing lien from the prior owner without providing me with this information. The dealer showed me a clean XXXX report demonstrating the vehicle had no reported accidents, but neither Ally Financial, nor the dealer advised me that the vehicle could not be legally sold to me while it has an outstanding lien from the prior owner. At the time of purchase, I paid {$4000.00} down and financed the remaining balance of {$23000.00} with Ally Financial ( account XXXX ). At the time of purchase the dealer was unable to provide a registration for the vehicle ; I was advised that I could use my expired tag that I was transferring to the vehicle until the DMV sent me the registration within 30 days. Subsequently, after making multiple complaints, the dealer provided me with a dealer tag to use on the vehicle that I had purchased, yet still failed to explain what the issue was with the registration for the vehicle. On XX/XX/2016, I received a call from the dealer informing me that I needed to contact XXXX XXXX because they have an insurance hold on the vehicle for an existing lien. During the conversation, I learned that the lien is for the prior owner of the vehicle. On XX/XX/2016, I contacted Ally Financial to make a complaint of this unfair, deceptive, and abusive act that involves the dealer as well as the bank. The dealer illegally sold me a vehicle with an existing lien, and Ally Financial proceeded to finance the vehicle and received payment for a vehicle in which they have no rights to. I also ran a XXXX report, and verified that the vehicle ( Title # XXXX, VIN # XXXX ) was registered as a personal vehicle with a loan or lien reported on XX/XX/2016. I have already invested {$5400.00}, and suffered a major impact to my credit score from the excessive hard inquiries, yet I am still not the rightful owne, nor would I be able to make any other major purchases at this time based on how this has impacted my credit score. I would ask that the CFPB intervene in this matter on my behalf. Thank you in advance for your assistance with this matter.
Here 's the situation : I 'm a medical student studying in XXXX, and moved here a couple of years ago from XXXX. My parents wanted to send me some money to help with tuition and living expenses, so I set up a XXXX PayPal account to transfer funds between my XXXX and American bank accounts, because the fees for international exchange would be cheaper that way. 

After verifying my XXXX PayPal and getting it fully activated, I tried to send the money my parents gave me ( about {$7000.00} XXXX from my XXXX account to my XXXX on XX/XX/2016. According to PayPal, it takes about XXXX business days to process an international e-check transaction, which was no problem. However, after that time passed and the transaction cleared from my bank account, it still remained " pending '' on my PayPal account, with the money not showing in the remaining balance on either side. I called them asking about it, and they said for XXXX transactions it can take up to XXXX business days. As you probably guessed, that time passed as well with no status change. I called my XXXX bank, and they said there was n't much they could do because the funds had already cleared from my bank account. I thought PayPal may have put a hold on it for risk assessment ( as they explain in their Terms of Service ), but they never notified me about it and as such it would be a breach of their TOS if it were in fact a hold. 

And so, I called PayPal again ( now over a month since the original transaction should have gone through ), and they said it was " an XXXX. issue '', and that they " have escalated it and are looking into it '', but would n't give me a time frame for when it would be resolved. It seems as though, despite the money clearing from my XXXX bank account, PayPal 's system did not recognize the reception of funds. 

Now, it 's been over a month since my tuition for this semester was due, and I do n't have enough to cover it without those funds. I 've contacted the financial office at my university, and they were very understanding and did n't assess any late fees ; however, they did say it could affect my ability to register for class next term if it is n't paid by then. 

I am submitting this complaint now because, after XXXX months of waiting, XXXX separate calls and countless assurances that my issue would " be resolved soon '', I feel I have no other choice.
I have a JC Penny Charge Card and have had it for more than 30 years. For many years I have kept this card at a zero balance. I used the card only to keep it active and did some minor charges in XXXX 2015. For the record, on XXXX XXXX, 2015, I thought about my account and realized that I did not receive a statement from JC Penney. So I went on line, and checked. Much to my amazement I had a payment due on XXXX/XXXX/2015. I called JC Penny on Friday XXXX/XXXX/2015 and told them that I did not appreciate their deceptive tactics which is not sending me a statement at all and then popping me with an {$18.00} late fee. I told them that the only reason I was contacting them was to inform them that I am reporting them to the FTC for deceptive credit practices. The late fee is really a non-issue, the issue is JC Penney Credit is conducting deceptive credit practices, I am reporting it, and I expect the FTC to take note and take appropriate actions to protect other consumers. 
Also for the record, my XX/XX/XXXX JC Penney statement arrived a few weeks ago as it should and I paid on time as I should. It really helps out consumers a lot when we are mailed our statements and are informed of the due date. 

Sincerely, XXXX XXXX XXXX
In XX/XX/XXXX, my bank account was frozen and funds taken for a debt that I knew nothing about. My bank provided me with information stating that Forster Garbus & Garbus had filed suit against me in XX/XX/XXXX. I called Forster Garbus and Garbus in XX/XX/XXXX and requested they send me all information regarding this case, as I had not been notified prior about any collection efforts. They sent this information dated XX/XX/XXXX, to my home and I reviewed it. I ascertained that the debt was valid, and since that time I have made repeated calls to the agency requesting to make payment arrangements for the debt, and for them to stop attacking my bank account and causing NUMEROUS overdraft fees to my account. I have received no answer from the agency, and my bank account was again hit on XX/XX/XXXX, causing financial hardships.
On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from BB & T that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my XXXX report. This is not my account and I was a minor..
My account was disabled/locked on Coinbase. 

I did a couple of transactions in the past and everything was fine. 

The problem I had today ( XXXX of XX/XX/XXXX) was the first time I was facing a account block. 

I bought approx 1.16 ETH ( round about 750 EUR ) After that the ETH was added to my Coinbase wallet. So far so good. 
After that I have tried to transfer my 1.16 ETH to my ETH wallet adress ( external Wallet ) and I did the withdrawl on Coinbase. 
After that I got an Email which says that the transfer is delayed and will take 72 hours. After that I have used the Coinbase option to accelarate the transfer by uploading my ID, Passport and a selfie of me. And thats what I did exactly. 
After that my account was disabled. 

No response from Coinbase at all. On the phone they told me that they dont know why my account was disabled ... But I got an case number -> # XXXXXXXX XXXX XXXX
I have received calls and letters from this collection agency threatening to take action against me if the debt in question is not paid by me. I have explained that this debt is not mine, that it is a result of identity theft and I have furnished the collection agency affidavits and other documentation in hopes that their collection efforts will cease. The last documentation I sent was sent to them via certified mail. This agency continues to harass me in attempts to collect a debt that is not owed. The credit reporting agencies have flagged my file with the appropriate documentation to reflect the identity theft fraud and so should the agency.
Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
I have student loans with Granite State Management and Resources. When I look at my statement online, the loan appears in XXXX groups. I sent an amount slightly higher than the balance of Group XXXX to completely pay it off ( in addition to a regular monthly payment ). I had no past due amount. I submitted instructions in writing asking the lender to apply the amount in excess of the regular monthly payment to the principle of Group XXXX to completely pay off that loan balance, which would leave me with just XXXX loan. Additionally, I spoke on the phone with a representative and confirmed my instructions. The representative said that my payment would apply as instructed, paying off XXXX of the loans. Next month, I checked my account history and saw that my payment was NOT applied as instructed, but instead was applied to XXXX loans in percentage ( more money went to the principle of a higher balance loan, and less money went to the lower balance loan, which is the XXXX I attempted to pay off. After calling the lender again, a representative said that they are unable to follow my instructions for payment and can only apply my payment to XXXX loans. I asked how they determine how much to apply to each loan, and the representative said that it was up to their ( the lender ) discretion. You will notice from the attached documentation that at the time of payment, I received and was able to print a receipt form Granite showing the entire amount being applied to Group XXXX, but in reality it never happened as you can see from screen captures of my payment history and current account details. My written instructions, which I have submitted to Granite a day before the payment, are attached to this complaint as well. The statement contradicts my rights to instruct a lender on how to apply my payments, and allow me to repeat that I had no past due payments, and I sent enough funds to cover any current payments and interest on XXXX loans in addition to the payoff amount for the specific loan. The lender refuses to follow my instructions for payment application.
I have a mortgage with well Fargo, is an FHA loan. I took advantage of the disaster relief to perform some repair after the hurricane. Now the bank wont eliminate my PMI, saying that I had late payments, I did pay the monthly payments on time and I repaid the monthly payments for the relief time as we agree. I do not have any late payments.

I called on XX/XX/XXXX I talked with XXXX XXXX. 

I called on XX/XX/XXXX I talked with XXXX ( supervisor ), XXXX passed the case to the executive team, the case was assigned to XXXX XXXX. He said it should be resolved by XX/XX/XXXX. 

I called on XX/XX/XXXX I talked with XXXX XXXX, he said there is no resolution yet. 

I called on XX/XX/XXXX I talked with XXXX XXXX, still no resolution. 

I called on XX/XX/02 I talked with XXXX, no resolution. 

The information that Im receiving is that they are researching. They do not deny that Im right but they do not resolve the issue.
To whom it may concern : ON XXXX XXXX, 2016 I 've sent these dispute letters to XXXX, XXXX and Equifax a dispute letter and other valuable information containing my ID, drivers license, permanent resident card, passport, SSN, birth certificate, banking information, telephone information, all required information disputing information contained on my credit report. Now, to this present say, XXXX and XXXX removed all the negative information, Equifax has not to this present day even acknowledges they received the dispute letters and my personal information, and I DO NOT need my information just sitting there in their custody lost. I 've again mailed the exact same copies to the other addresses listed on their website on XXXX. XXXX, 2016 and I 'm receiving the same responses from Equifax , whether they received my dispute letter and information. I'am truly hoping your office can find out this information per my request, since Equifax refuses XXXX reply. I have all receipts from the post office confirming the delivery of ALL of my dispute letters. I mailed my personal information to these addresses : ( Equifax ) First dispute letter sent XXXX. XXXX, 2016 to this address : XXXX XXXX XXXX XXXX, GA XXXX and the Second dispute letter sent XXXX. XXXX, 2016 sent to this address : ( Equifax ) XXXX XXXX XXXX XXXX, GA XXXX, the only reason a second dispute letter was sent, XXXX and XXXX, 4 days later requested all the above information from me, and I still have those letters. I have NOT heard NOTHING from Equifax , and 5 days later XXXX removed ALL negative information from my credit report to include XXXX, NOTHING from Equifax! 
If Equifax is legally allowed to operate a business in such a manner, please file a complaint against this company for me, and I want to have a dispute placed against Equifax for legally, not following the FTC laws and personally not disputing the information I requested Equifax to dispute on my credit report.
XXXX/XXXX/17 I found out that Trans Union had a glitch in their computer system that deleted inquiries from consumers credit reports, by law I was not notified of the deletion, and reinsertion of files. I spoke to a person in credit services department, I was told it did not effect my credit file, then I was brushed off. I suspect that was not the truth, I have no way of knowing if it is true other than what I was told, I need to know for sure.
Harley Davidson is calling the office for debt collection of an employee that has not been here for over 2 years. When I return there call and try to explain they inform me that they ca n't remove the office number because we do n't have an account number. I do n't know which ex-employee they are calling about so we ca n't get them to stop calling. No name, no information so the calls keep coming multiple times a day and it interferes with us doing our work and we are a XXXX that needs to work with the residents, not get tied up with a debt collection of someone who has not worked here for at least a year.
Failed to provide a free credit report in a timely manner, asked for verification of my address that was already in their records and I lived at longer than 6 months and had already been reported by other creditors, once I finally received the report I filled disputes on collections accounts as they are already paid in full. Customer service does n't speak XXXX very well and there seems to be a lack of communication. I also concerned about about my low Fico score I see only XXXX collections everything else is in good standing so how is it that out of XXXX points I 'm only getting the low XXXX as a score a XXXX point difference over XXXX negative accounts..I 've work very hard in the last few months paying outstanding debts and reducing credit utilization on my credit card account at less than 30 % and a furniture account about 50 % none of which are late or ever received a last payment so where 's this score coming from?
I hand delivered a cease and desist letter to Conn 's XXXX XXXX, XXXX, AZ and the manager accepted it. I have filed a complaint with the Arizona Atty General in regards to deceptive sales practices and this C & D letter was to inform them that I was disputing the contract and would not be paying it. I demanded them to cease collection calls. Since receiving that letter, I have received XXXX harassing phone calls from their collections department. When I informed them of the C & D letter, they acknowledged they had received it. Today, XXXX/XXXX/2016, I have received XXXX harassing phone calls from them while at work.
I recently made a transfer from the above referenced account on XXXX based on funds showing available. Somehow the ledger was off by XXXX which resulted in one overdraft fee after another. Totaling {$70.00} for a discrepancy of XXXX Now does this seem okay, to charge consumers? Additionally, I see this as a very unfair and deceptive practice based on how the transactions themselves do not post chronologically which results in more fees to the consumer. I am asking this to be reviewed and rectified by removing the fee. <P/>I can be reached at XXXX or my wife XXXX who is also on the account at XXXX
One Main from XXXX, Indiana is listed on my credit reports and I have never done business or obtained a loan from a company named One Main. Please delete from my credit report. I have asked them for proof of debt multiple times and have not received it.
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called Diversified. Diversified contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
I am a Chase account holder of a Chase Freedom Unlimited credit card. In my online portal ( to which I have to login ) - I received a targeted offer for a Chase Freedom credit card. The offer stated in large letters " Because you are a Chase customer, just provide the information below and get a decision in seconds! '' I provided the requisite information and submitted the application. Chase pulled my credit card. Chase subsequently not only did not provide a quick decision on the application, but kept it pending until I called in on XX/XX/2018 as I heard no additional feedback other than the application was pending. When I called in, I was told that I had to prove it was me who applied by providing a copy of my original social security card. I offered to provide a copy of my ssn through my XXXX or tax forms as those were readily available. That was denied as only a copy of an original ssn card would suffice for Chase Bank. I applied through my logged in Chase portal - my identity should have been immediately verified once I logged in successfully and prepared an application/ This is a huge inconvenience for me as I wouldn't have applied had I know Chase was not intending to honor their statement : " Because you are a Chase customer, just provide the information below and get a decision in seconds! '' Now I have to go to a social security office to get a copy of my social security card because its not readily on hand and alternate verification for Chase are not sufficient. I believe this is unfair/deceptive trade practice by Chase Bank. I believe their targeted ad was intentionally misleading to me as a current Chase Bank customer.