WillisBack/dataset-financial-user-claim huggingface dataset:
I have had an on going problem with Wells Fargo Bank Credit Card Division regarding Payments. My payments are due on the XXXX of each month. Most months I pay my payments weeks early, due to budget issues. My XXXX payment was made on the XXXX of XXXX. At the XXXX of XXXX I received some inheritance money and made some extra payments to the account. on XXXX I paid {$2000.00}. On XXXX my credit card bill posted online and I paid the {$290.00} plus an additional {$250.00} for a total of XXXX. They posted the XXXX payment to XXXX rather than XXXX and charged me a late fee. they removed the late fee but have refused to adjust the account. I went into the bank and had a banker talk to the credit card office twice and have a third appoint for XXXX. My last appointment only brought frustration for me and the banker. The bankers agree that I am right and that my account should be adjusted. The credit card division has been nothing but rude and condescending.They keep saying that they no long correct their accounting errors. I had this same problem in XXXX and XXXX. I turned it over to the Consumer Protection people for resolution and they had the credit card division audit my account. they ended up refunding me over {$300.00} in late fees. Since I have made this same complaint twice they will not help me.
I never lived at the XXXX PA address. This is not or never has been my address. Please remove from my credit report.
Closed my account with XXXX 2 years ago. Received a collection notice from this collection agency almost 2 years after debt was paid in full.
The document included is to outline specific terms in the contract that XXXX XXXX XXXX has violated. This violation of the contracts deems the termination fee void. Therefore, the company does not have the right to seek to obtain the remaining fee of {$370.00} via the collections agency, Advantage Financial Services. A copy of the contract has been included for independent review as well. 

XXXX XXXX XXXX and I had a contract that lasted from XX/XX/XXXX to XX/XX/XXXX. I was an XXXX XXXX at one event, in which I personally purchased all the supplies for. Overall, I have received no monetary compensation, no advertising to assist me as an XXXX, and no confidential information that has personally benefited me as an XXXX. 

The collections agency received my dispute onXX/XX/XXXX. Allowing the 30 days for XXXX XXXX XXXX to reply to the dispute, I have been notified they deem the contract valid and will continue with the collection attempt. However, I disagree. Hopefully, ( as I have outlined ) both parties are at fault, and therefore, the contract is no longer valid. The collections agency has stated my only option is a lawyer. However, since I do not find the investigation adequate by Advantage Financial Services on my behalf, I am seeking an alternative solution.
I had an item appear on my credit report in XX/XX/XXXX for Stellar Recovery # XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) XXXX ; the amount is {$150.00}. I talked to Stellar XX/XX/XXXX and they told me the item was from XXXX XXXX. I called XXXX and disputed the item because it was for a modem for internet services that I never used and had returned to XXXX XXXX in XXXX. I was supposed to get XXXX XXXX and XXXX XXXX   as a bundle ( price ) for TV and internet services. When they came to install the XXXX XXXX, I was told they could not install it at the apartment I was in due to the fact that my apartment was facing the wrong direction. I never received a bill from XXXX XXXX. I received a modem in the mail from XXXX XXXX for internet services. I called XXXX XXXX and told them that I needed to return the modem because I could not use the XXXX XXXX and XXXX XXXX sent me a return label. I returned there modem to them. I disputed this item with XXXX, which is where I originally saw this debt from my free annual credit report. The item from XXXX was removed from my XXXX report # XXXX. I then realized that I needed to also call XXXX and XXXX to have the same item removed a couple weeks later. Therefor I called and made disputes for the same item with both of them on XX/XX/XXXX, stating that the item was removed from XXXX. They both proceeded to dispute with XXXX XXXX on my behalf. I received information from both companies in XXXX XXXX that the item would not be removed from their reports. Attached copies from XXXX & XXXX ; XXXX emailed me a response and I lost the email. I contacted XXXX XXXX on XX/XX/XXXX and was transferred approximately 6 - 7 times to different departments and remained on hold for 1 1/2 hours. I was told they removed the item and that they would mail me documentation with 5 - 10 business days stating it had been removed so that I could forward it to XXXX and XXXX and/or Stellar. I applied for pre-approval on a mortgage loan on XX/XX/XXXX. I received information from the mortgage company that those items still appeared on XXXX and XXXX. I called XXXX XXXX back on XX/XX/XXXX to see why the item appeared on my report still, I remained on hold for 30 minutes and was transferred again. I was told that there was not even a note in the file that I had originally called XXXX XXXX to begin with. The gentleman stated that I needed a confirmation # or something stating that I had spoken to them. I was never told this at the time I talked to XXXX XXXX on XX/XX/XXXX. I never used there services and I returned there modem, they confirmed that with me on XX/XX/XXXX. Although they never made notes supposedly, and I am stuck with a bad item on my credit for no reason. It is no longer on my XXXX report as of this date XX/XX/XXXX. I have attempted to correct this situation with all of my efforts to the extent that I can. I called Stellar back onXX/XX/XXXX and they told me it would take 30 -45 days to get any documentation from XXXX XXXX. Please help me to correct this. Thank you, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, AZ XXXX ( XXXX ) XXXX
in XX/XX/XXXX I Financed a car thru XXXX XXXX XXXX, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation.  They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.
I have repeatedly informed Financial Credit Network and it 's original creditor XXXX that I am not the responsible party for this debt that is reporting to my Credit Report in the amount of {$190.00}. The responsible party as of XX/XX/2015 is XXXX at XXXX, XXXX, CA XXXX. Also XXXX has record of the Owner changing the gas into her name around XX/XX/2015. This person can be reached at ( XXXX ) XXXX. The original creditor has this information as well.
I do n't remember how it started other than a young fella wanted me to put " extra [ rptect extra protection '' on my account. I agreed. I always followed by account online. I used by checks and debit normally. I had automatic deposit. Just after my check was deposited I would get a letter stating I had about {$150.00} in ov overdraft charges. I should not have been overdrawn. This went on for about three pay periods and then I went in and spoke to the manager. But before forward, when I checked my account online it was " fuzzy ''. It shimmered a and it made no sense. It was very confusing and there was no way anyone could track spending. So I talk to the manager and in conclusion I was told I didn did n't know how to use a checking account. ( I am currently XXXX ). Of course, I was was insulted. This went on a few more weeks, six to be exact, as I tried to get away from them. This entire 6 weeks, Wells Fargo was taking all my money. I literally had no money to spend on food and gas or anything else. I fin finally got paperwork completed at a new bank. But I had to give {$450.00} more to to wells Fargo before they would close my account. so for about 4 pay periods I had the overdrafts and then they switched to just taking my entire pay check for three pay periods but then I had to close my account with a balloon payment of {$450.00}. I do n't remember what my years were that I was was there. I also do n't remember what my pay checks were either. If one could find me in their data base. We could then verify income with my tax return. I figure they owe me about {$2400.00}
There is debt in my name for a former auto loan. The debt is with Ally Bank. This creditor gave my personal information to an unauthorized third party over the phone. They did not try to verify my information ( social security number, address, DOB or even my name. ) The creditor then gave all of my personal information and information about the debt to a third party.
COLLECTOR KEEPS CALLING MY CELL, FAILED TO VALIDATE SAID DEBT, WENT ON CREDIT REPORT WITHOUT VALIDATING AND ZOMBIE DEBT. 

SEVERAL VIOLATIONS OF DODD-FRANK ACT.
I told them this was an accident in my neighbors yard & that neighbors home insurance was supposed to cover this medical bill
I have some weird harassing legal office calling me about some client with TD bank that states someone fraudulently opened an account in my name in XXXX in New Jersey and there is some fee or loan that needs to be paid off and/or have someone appear in court to dispute this fraudulent account. The person who calls is by the name XXXX XXXX and the legal office is called XXXX, they stated they were unable to give me the name of the client however it has something to do with the fraudulent account opened in my name at a location in XXXX near XXXX XXXX in New Jersey. The number for XXXX XXXX at the legal office XXXX is XXXX XXXX XXXX XXXX XXXX. <P/>I have never in my life lived in XXXX nor have I ever lived in XXXX XXXX. I also have no idea where those places are located as I have never even been there before. I am a resident of New York, Specifically XXXX, NY and I have resided here ( been living here ) for over 15 years. I never have banked with TD bank and I have never had an account nor have I ever opened an account with TD bank.
XXXX XXXX XXXX  has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/XXXX on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.
This complaint is against Equifax reporting agency. I submitted for request of Equifax method of verification for a disputed debt that was verified by Equifax. This request was submitted on XX/XX/XXXX. According to the FCRA section 616, the credit reporting agency has 15 days to supply a consumer with their method of verification for accuracy of a debt. As of XX/XX/XXXX, I have not received any documentation from the above credit reporting agency. 

I am requesting for Equifax credit reporting agency to be investigated for not complying with consumer rights, with providing a consumer with documentation of their company method of verification of a disputed debt. 

The company in which was requested for method of verification is as follow Creditor : XXXX XXXX/ XXXX XXXX XXXX Bank account number XXXX amount {$3500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX In summary, I have resolved this issue XXXX  as well as XXXX Credit reporting agency . However, Equifax has continued to report this derogatory information in my credit file without providing me with an explanation of their method for verifying any accuracy to alleged debt.
LVNV Funding is negatively reporting on an alleged debt that is 8 years and 4 months old. LVNV bought this debt and began reporting negatively XX/XX/XXXX. 

XXXX and XXXX have stopped including this report but XXXX still includes the negative reports from LVNV. 

I made a complaint to with the CFPB ( # XXXX ) asking XXXX to stop including this report, and to provide evidence of the debt. They stated that the, " data furnisher ( sic : LVNV ) has verified the accuracy of the disputed accounts, '' and that, " On XX/XX/XXXX, the results summary was sent to of you for review. '' This summary was NOT delivered via email, nor mail. 

LVNV not XXXX have not validated the accuracy of the LVNV to me personally, an alleged debt bought from XXXX and first reported negatively over 8 years ago in XX/XX/XXXX. This debt, and the subsequent claim from LVNV, should thus be immediately deleted from my account.
While reviewing my credit report, I came across a revolving account I did not recognize. The following credit item does not belong to me : XXXX partial account number : XXXX I have never applied to this company for credit.
during a 7 year fight with XXXX XXXX XXXX in which they took back a valid home loan modification that I paid on I have been XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and now due to a fall XXXX XXXX XXXX. The Bank sold my loan after I filed a complain with the FCC and they were found guilty but they refused to correct and let me start making payments. They kept the financial balloon payment, which was XXXX and part of the modification on the loan and changed my rate to 8.75 % up from 2 %. I tried writing 10 times to the company they sold my loan to Nation Star and they would not acknowledge the service error on the file. during this time I was undergoing XXXX XXXX. I paid Nation Star 10 payments and they took them but returned the 10th payment saying I didnt meet their criteria for help. I hadnt submitted anything to them other than to tell them I was trying to get help but they had a service error on the file. I asked for help for XXXX county legal aid and XXXX XXXX said she had never seen a company behave so aggregously but i would have to pay an attorney to sue them because they had no funding at the time. I sued them and case number is XXXX. During the court case I believe around XX/XX/XXXX the Nation Star service company admitted to service error by correcting my rate to 2 % but would not allow me to start making payments again at that rate. Then I became hospitalized and judge would not allow for the fact that I was bed ridden from XXXX XXXX XXXX XXXX XXXX, so judge XXXX XXXX dismissed the case 4 months later. Now Nation Star is using my Illness through XXXX XXXX XXXX to Cut off my prescription healthcare coverage because XXXX  XXXX XXXX is my employer
This man called me over 50 a day from Sequoia Financial Services claiming to be a XXXX XXXX lawyer, reversed phone look up reported that the company is tagged as a telemarketer company ( not even a collection agency ). 
Before I know it, this telemarketer emailed me, which I know that is completely illegal I informed him he didn't have my promission to use my email to contact me for I didn't give it to him or the company he works for ; make matters worst he threatened me
There is an address I have never lived at XXXX XXXX XXXX XXXX XXXX AZ XXXXI have never stepped foot in the state of Arizona. Yet it was listed as an address of residency on my report.
I bought. XXXX bitcoin in XX/XX/XXXX and used coinbase as my wallet. InXX/XX/XXXX, I realized how much money that was and tried to log back in to sell part of my bitcoin. Unfortunately, the email that I used was one I had just lost access to earlier that month. I emailed coinbase support on XX/XX/XXXX after taking all of the steps necessary to regain access to my funds ( set up new account, verified identity, linked same bank account, etc ). On XX/XX/XXXX I got an generic automated email back that did not at all acknowledge that I had already specified it was a 'priority issue ' so I emailed them back all of my information again. On XX/XX/XXXX I received an email that they were working with a 'specialist ' to finalize the transfer and that they would follow up as soon as the transfer was complete or if they had any other questions. I emailed them on XX/XX/XXXX to check for an update because I still had no money. It is now XX/XX/XXXX and I have heard nothing and still have no access to my money. From the moment I contacted them 5 weeks ago, I have watched my money diminish. I feel like I'm being intentionally made to wait and wait until my bitcoin is worth a fraction of what it was when I first contacted them.
I am opted in to overdraft coverage, and unfortunately overdrafted my account by {$1.00}, with no charges smaller than that ( meaning it was only XXXX charge that sent me over ). I then was charged XXXX {$36.00} OD fees for a total of {$100.00}, leaving my account at $ XXXX. When I called Regions to sort out, they said that the way the charges were pending is what caused it, and that it was not a mistake.
The NRA LLC ( National Recover Agency ), stating to represent utility provider XXXX repeatedly calls my home attempting to collect a debt that is not mine. I have made numerous attempts to convince them that the debt is not mine and that the last XXXX digits of the social security number they have provided are not mine and the address of the property involved is not owned by me or under my control. They have threatened to take legal action if I do not satisfy the debt, refuse to hear my explanations, have hung on me and continue to harass me after I have asked them to cease calling.
on XXXX XXXX ( Friday ) at approx XXXX pacific time I sent a transfer of XXXX Ethereum from Coinbase to their Exchange platform XXXX. These transfers are supposed to be instant and free, they are advertised as such, and have always been for me in the past. 

On this occasion the XXXX ... ETH never appeared in my XXXX account and appears to be floating around in cyberspace somewhere. 

I have opened a case with XXXX via email Immediately and havent heard back, my case number is # XXXX. After opening the case via email I sent a written letter to Coinbase in XXXX XXXX, I then called and waited on hold for 2hrs before being disconnected. I waited on hold the next day and was again disconnected after 2hrs. On the 3rd day I got through to a representative of Coinbase after 1hr45min. 

Talking to customer support he assured me the issue would be resolved in my favor, I received an email right after the call saying the problem would be sent to the appropriate department. This phone call was a week ago and havent heard anything since about my missing Ethereum.

When I sent the Ethereum its value was approximately {$2200.00}, the approximate value of the Ethereum is now {$3600.00}.

Please help me get my Ethereum back. 

Thank you.
I leased an apartment in XX/XX/XXXX-XX/XX/XXXX. I received a letter from the community that I was being billed for a couch that I had damaged. My mother showed them proof that the couch was not damaged when I left and we told them that we would not pay for it. She showed them the video of my move out and my move out inspection. They said they would not send me to collections. The collection agency they use is Southern Management Systems in  Florida. Now I have had it on my credit report because it was reported on XX/XX/XXXX, and my mother 's and I keep disputing it and they will not take it off my account or hers. While the apartment community is at fault, I do not understand why they keep keeping this false information on my report.
I am trying to work out an arrangement with Sarma Collections so that I can get them off my credit report. I have tried calling them and nobody calls me back or answers the phone. A women answers but says she needs to transfer me to collections and transfers me to a line that nobody answers.
XXXX allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, XXXX Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

XXXX as a company should not be allowed to exist. It should not be allow to simply change its name. XXXX board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, XXXX XXXX Experian and similar companies must have comprehensive review and oversight.
A XXXX credit card was opened in my name with a {$4800.00}. Limit. It has since been over limit to over {$6000.00}. I learned of this through CREDIT Karma app. I also have XXXX dings. From collection companies that I have No idea about. I did have a bankruptcy several years ago but that information should 've fallen off by now ...
I over paid my Chase credit card via bill pay by {$3600.00}. They tell me it will take 10 business days to refund my money. That 's absolutely absurd. One has the feeling that Chase purposely delays repayment in order to gain financial advantage for the bank. When you multiply all the accidental over payments, it 's a significant amount of money. It takes two days for my electronic bill pays to be received, yet it takes Chase 2 weeks to refund my money?
I recently paid off XXXX of my XXXX loans and I have a screen shot that on XX/XX/2017 my XXXX account had a {$0.00} balance and my XXXX account had a {$3400.00}. Today ( XX/XX/2017 ) I received a letter saying my XXXX Loan Forgiveness Program was sent to the loan guarantor for review. This might clear the remaining balance in my XXXX account. However, when I logged into my Navient account today to read this letter, I noticed my XXXX account was at a negative balance, - {$650.00} and my XXXX account has a balance of {$4100.00}. 

My complaint is that interest still accrues during the forbearance time when my application for forgiveness is being reviewed, so interest is accruing on {$4100.00} and not {$3400.00}. I also have a complaint that my application might have been sent to the loan guarantor asking that {$4100.00} be paid off, which might mean Navient will end up seeing a credit of - {$650.00} in my final account and write it off as a profit for their company if my loans are paid off.
I have disputed the late payments XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. 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. CFPB please step up and fix this ASAP