WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, I applied for and was approved for a Citi XXXX XXXX Credit Card. On XXXX XXXX, 2016, I received an email reminder because I had n't yet activated my card which ended in XXXX. On XXXX XXXX, 2016 I received a second email from Citi saying they received the credit card back in the mail as returned. I own a single family house on a major road. It is XXXX XXXX XXXX. I called Citi on XXXX XXXX, 2016 and informed them of the email and that I had n't received my card. The representative told me he would send me a new card. Just to be safe for security, he would close my account and send me one with a new number, ending in XXXX. On XXXX XXXX, 2016 I called Citi as I still had not received a credit card. They told me I had permanently closed my account on the XXXX of XXXX and would not be getting any credit card. Over the course of 2 hours and 15 minutes I was transferred to 7 different representatives as they tried to reopen the account or issue a new credit card. I refused a credit check since one had just been performed in XXXX, the account was permanently closed by a Citi representative inadvertently, and it hurts my score every time a check is performed. I was unable to speak to a supervisor. Reasons given included it was outside their working hours ( no working hours listed when I asked if I could call back ), all on the phone and unable to hold for them, there are n't any supervisors, they do n't have phones. By the end of the call I was told my account would be reopen within 24-48 hours of my XXXX XXXX call. On XXXX XXXX I called in to check the status. There was no update. Again I requested to speak to a supervisor - no dice. 
On the afternoon of XXXX XXXX I received a bill in the mail for the second credit card that was never shipped for {$0.00}. I called in again and was informed that there was no status update after 9 days in regards to the account being reopened but that a supervisor had indeed reached out and called me earlier in the day. I did in fact have a missed call from an unlisted number from XXXX XXXX, no message was left, and the number does not allow call backs. The representative stated only a supervisor could reopen the account and they were doing everything they could. The representative could not place me on hold for a supervisor and could only put in a request for a supervisor to try again in a few days. How is one call without leaving any message or way to contact them back over 2 months doing everything they can?
I have a federal tax lien reporting on my account credit report. XXXX. This item was disputed on XXXX XXXX and without doing any investigation, Equifax came back on XXXX XXXX updating the lien to released which is n't true. We disputed the same item with XXXX and the item was deleted off my credit file.
My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my XXXX Account : XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXThe Following was not authorized on my Equifax or XXXX account.
XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX
In XXXX of this year, XXXX I sent a dispute to XXXX, XXXX and XXXX questioning the balance, which I have found to be incorrect/inaccurate on a debt with Wells Fargo Dealer Service. The dispute result came back verified with NO change. I then asked XXXX, XXXX and XXXX to let me now how they verified that this information was in fact correct, they said that they contacted Wells Fargo Dealer Service to verify this information. I tried one more time in disputing the balance, in which is inaccurate. They again said it was verified. 
So, the next step on XXXX of XXXX, XXXX I sent a request certified mail asking to send me the deficiency balance ( 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY ), how they got to that balance ( accounting documents ) and a ledger representing my payment history, in which they did not comply. They sent me a " canned '' response template letter requesting my date of birth, 10 digit account number, social security number and a description of what i was requesting. The original letter dated XXXX XXXX, XXXX had this information in it. 
Due to the law, and Wells Fargo Dealer Service not complying with UCC 9-616, my attorney let me know to send another letter to them to recover under subsection ( b ) {$500.00} in each case from a person that : ( 5 ) fails to comply with Section 9-916 ( b ) ( 1 ) and whose failure is part of a pattern, or consistent with a practice, of noncompliance ; or ( 6 ) fails to comply with Section 9-616 ( b ) ( 2 ).
I have re-sent another letter today, certified mail, return receipt disputing this debt again to XXXX, XXXX and XXXX, as well as a direct creditor dispute in which I am sending Monday the XXXX.
On XX/XX/2018 and XX/XX/2018, I have requested proper validation from Convergent Outsourcing stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector has to funish such information.
Trying to recast mortgage. Was told to go to local branch and write check for specific amount in order to reduce principal to {$180000.00}. Wrote check at local branch in XXXX VA on XX/XX/XXXXfor {$210000.00}. Told bank teller to apply 100 % of funds to principal. I was assured that all funds were applied to principal. Two days later, I found out that account was not properly credited and {$1100.00} was directed to interest as opposed to entire amount to principal. Therefore, principal not reduced as directed and desired. Recast payment will be higher due to error by Wells Fargo. Wells informed of error on XX/XX/XXXXand on XX/XX/XXXX. Wells refuses to admit mistake and refuses to correct. No contact from recast department despite beyond told that I would receive recast documents overnight after payment was made on XX/XX/XXXX
Experian continues to report an item that was not validated and refuses to remove : XXXX - Experian - Revolving - XXXX XX/XX/XXXX XX/XX/XXXX - {$1800.00} - Due {$0.00} - Late Over 120 Days {$580.00} - CONSUMER STATEMENT : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. ACCOUNT DELINQUENT 150 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=XXXX CHARGE OFF ACCOUNT CLOSED BY CREDIT GRANTOR LAST PAID : XX/XX/XXXX
In XX/XX/XXXX I was trying to purchase a home and found out that a Mortgage and HELOC account I had with Chase Bank was being reported as discharged in Bankruptcy that was finalized in XX/XX/XXXX. 

However, we had reaffirmed the Debt in our Bankruptcy, continued making payments on the Mortgage and HELOC and sold the home in XX/XX/XXXX, so it could not possibly have been discharged almost 2 years before it was sold by us! 


In spite of this I have tried to get Chase bank to correct and they have refused. I have filed a complain with all three credit agencies and they each said that they conferred with the bank and the bank confirmed that what they are reporting is accurate. I attached all of our payment history for the mortgage and HELOC which shows the payments being made through XX/XX/XXXX, but this was ignored.
XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. First Investors never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.
This is regarding my XXXX XXXX XXXX card, which is managed by XXXX XXXX. On XX/XX/XXXX, I tried to make a purchase at XXXX using my card and the clerk told me that it was giving her a message " refer to card issuer '' The clerk told me that they normally get that if my card is expired. So, I checked to see at home if I had received a new card in the mail and did n't realize it -- I did n't receive a new card and furthermore these cards do n't have expiration dates. I made a call to the customer service on XX/XX/XXXX and spoke with a woman ( ca n't remember her name ). I advised her what the store clerk told me. She said that my account was suspended due to it being inactive for 11 months ( meaning that I did n't make any purchases ) I advised her that the last purchase I made was in XX/XX/XXXX, which she verified. So, I asked if the suspension could be lifted, because they obviously was  an error. She advised that the only way to do this is if I authorized them to pull my credit report? I did n't understand why this was necessary, but I reluctantly agreed because I do like using the card when I go to XXXX. She said I would receive a letter by mail within 7-10 business days. I never received a formal letter by mail -- what I did receive was a letter by email within 2 minutes after I ended the call with the customer care rep to my " secure message center '' inbox ( this I access from viewing my XXXX credit card account online ) The letter indicated that my request for reactivation is denied. After numerous calls to customer service with no resolutions ( could n't even get through to anyone ), I reached out to XXXX via XXXX. Two different individuals responded back to me advising that they would check into this issue and give me a call. It 's been at least a month or so now and nothing has been done.
I had a past loan account with Navy Federal Credit Union. I was late on the account and it was reported as such. I later was able to refinance the loan with Navy Federal Credit Union. As a result of me refinancing my original loan ( still with NFCU ) NFCU created a new loan, new account number with updated terms of the loan. Unfortunately, NFCU reported the exact negative information that was reported in the original loan in the newly refinanced. <P/>This is not accurate. My credit report with all 3 reporting companies XXXX, XXXX and XXXX  for several years continue to report that I had to loans with NFCU and both have the same late history being reported. <P/>I have disputed the information with each of the credit reporting companies with no resolution. I have contacted NFCU personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.
I was away on a birthday trip to XXXX with family and lost my coin purse that held my debit card and my I.D card. Reported it lost when i got back home to Maryland a day later and closed the card down. Bank of America was supposed to send out a new debit card and in the mean time i went into the branch to withdrawal some cash and on the receipt was a huge balance of XXXX i assumed it was some sort of mistake and assumed it would be fixed immediately. Days later i called the banking center and found out about the fraud on my account and i closed my account out. I informed them of me losing my coin purse again and did a full investigation only for Bank Of America to find me at fault. How could i know me losing my card would result in this mess. I have since NOT been able to open any kind of accounts because of this mishap.
Diversified Consultants has reported a collection on my credit report. The collection was previously reported on my credit report by a company called XXXX XXXX. I reported this account to the XXXX County Sheriffs office and filed a police report. 

I provided the police report to XXXX XXXX and the credit bureaus and the account was removed from my credit report. Diversified Consultants has never contacted me, or sent me the required documentation according to the law and they are in violation of the FCRA and the FDCPA for reporting this fraudulent account.
On the time stamped below : Created : XX/XX/XXXX XXXX PST Regarding Case ID : XXXX I requested to gain access to my USD funds which was locked in an exchange whereupon I had no control over funds which were not being used and stored on the exchange. After more than 10 days, I received a response from support on the following time stamp : XX/XX/XXXX XXXX I was promised by support agent " XXXX '' that my funds would be transferred out for me to another exchange whereupon I could have control. This transfer was limited ot {$10000.00} per daily limit, and since I had more than the daily limit of funds in the account, the remainder was to be transferred on subsequent day ( s ). 

After more than 13 days, this has not occurred, and I still have a large balance remaining on my account that had no follow-up. 

On date time stamped below : XX/XX/XXXX XXXX I tried to remind support that there is still a remaining balance that must be transferred out and that the delay was unreasonable. 

Quote : " I am still waiting for the remaining balance to be transferred. There is a remaining balance on XXXX of XXXX USD that needs to be transferred back into my Coinbase account so I may withdraw. Please also transfer my BTC balance of XXXX back into my Coinbase as well so I may sell. It has been 13 days since your last transfer and I have been expecting more to occur but my case seems to have been ignored again. '' Conclusions : Coinbase support does not respond to serious issues involving money with due diligence. Given the financial size of the organization and it 's function as an exchange, there is no good reason to devote so little to support. 

Coinbase support did not fulfill promises made in my ticket. 

Coinbase support did not follow-up on my ticket After Coinbase determined which funds needed to be frozen, it did not promptly release all uninvolved funds back to the owner 's control. Since the start of the ticket, I did not have access or control over funds unrelated to any incidents for exactly 31 days.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
On XXXX XXXX, XXXX I notified Trans Union of my being a victim of identity theft. I have had to reach out to them and each time I am connected to a person that is not located in the United States who does not know Federal Law and consistently misinforms consumers. For instance, today, XXXX XXXX, XXXX I was told they are not required to follow up on disputes where the creditor does not abide by Federal Law and its essentially 'not legal ' for them to update a credit report even when fraud is confirmed. 
This company is permitting its agents to willfully misguide and misinform consumers on laws they are not themselves, bound by, given they are in a completely different country. 
My rights under the FCRA are being violated by this CRA permitting false and fraudulent information to stay on my credit in the face of confirmed fraud and identity theft.
After XXXX XXXX XXXX put a collection notice on my credit report that did n't belong to me, I have submitted multiple disputes to get the incorrect information removed from my credit report and it was declined each time. Under the Fair Credit Reporting Act, Experian is responsible to remove any inaccurate information. After receiving another collection on my credit that was n't mine but tied directly to this incorrect information, I sent a certified letter to their XXXX, TX location asking for this to be addressed promptly and removed within 30 days before I pursue legal action as well as filing a federal complaint. Instead, all I got back was a letter saying this was " suspicious '' and would be ignored. I uploaded applicable documents on Sunday and called in yesterday to speak to someone. I asked multiple times to be transferred to a manager and was refused. At the end of the call, I reiterated this frustration and my intent to file a complaint and consult with a lawyer and was advised a manager would give me a call back. It has now been a full business day and I have yet to receive a call or know for sure that all the incorrect information has been removed from my credit report. This is of course ignoring the fact that I have asked for all communications to be done in writing as this has been 6+ months of trying to get this resolved.
I received a call on XXXX from an unknown number. XXXX XXXX from Nationwide Intermediaries representing XXXX XXXX XXXX called me regarding a debt. They indicated that I needed to pay XXXX from an installment loan. However the original loan was no where near this amount. They indicated that they would be filing a criminal case with XXXX XXXX hot check division for XXXX counts of check fraud which is a misdermeanor. XXXX did indicate that they could not garnish my wages in the state of texas. He said he wanted to put me in touch with XXXX XXXX who was a mitigator with the lawfirm and she could arrange a payment plan. When transferred, she advised me that I needed to make arrangements with my family members and request a loan from them to pay off the debt. If it was n't paid today, they would turn me over to XXXX XXXX hot check division, this would also appear on my credit report and I would end up having to pay the XXXX anyway. She also indicated that she would also file a judgement to garnish my wages. I indicated the previous person told me that they could n't and she said he was incorrect. 

I told them I wanted to make arrangements to pay off the debt, but that I needed to call them back. She gave me her number of XXXX. I went back to work as I was on a conference call. 

not even an hour later, XXXX XXXX called me back indicating that XXXX XXXX wanted him to check on my status. I advised I was still on a conference call and he indicated that he needed to hear from me by XXXX otherwise they would send the criminal charges. I was so scared and crying at my desk. I ca n't afford to have criminal charges filed against me. So I researched if this was legal and found the following article on your website. XXXXBasically this outlined by whole situation. BUt I 'm still concerned as I do n't want criminal charges..\I have since received XXXX calls from this
I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. XXXX XXXX XXXX XXXX XXXX , I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX, XXXX and Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : Experian has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the Experian report. I have tried to speak to Dispute dept Reps from Experian only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that Experian uses so they could not help me or remove it from my report.
Hello i am a client of Capital One XXXX acct # XXXX! ( XXXX XXXX XXXX ) A error was made where money was sent to a XXXX XXXX Acct.which ive been i contact withXXXX about various times to remove from my acct.! It wasnt. XXXX gave me the last 4 numbers of the acct where the money was sent. Ive struggle woth XXXX to find a location working Number to XXXX ( XXXX ). Calling i expressed the mistake and that i sought to retreive my money ( {$120.00} ). I explain that i was only given the last 4 numbers of this acct.. They explain to me they ned the full acct number. Refering me back to XXXX ( XXXX ) XXXX. XXXX would not give me the full acct number. Then refered me back to XXXX! 
Since that time i have exhaust my paitents with both Companies opening a new acct with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New york XXXX ( Routing # XXXX ) Acct # XXXX hoping to have XXXX transfer my money there ASAP! I had been told by XXXX that all i could do is wait (?! ) until XXXX sends the money back. i have no time to be a ping pong ball between these 2 companies! 
Thank You for you kind attention to my problem! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ny XXXX
I sent a payment of {$9000.00} to Ditech on XXXX/XXXX/XXXX for my monthly payment. It included a check for {$2000.00} and XXXX money orders ( {$1000.00} each ). They deposited personal check on XXXX/XXXX/XXXX and 4 money orders ( {$4000.00} XXXX total on XXXX/XXXX/XXXX. They lost 3 money orders ( {$1000.00} each ), which is {$3000.00} of the payment. I contacted them on XXXX/XXXX/XXXX at XXXX XXXX - spoke with XXXX ( ext XXXX ) who filed a complaint # XXXX to find out what happened to missing {$3000.00}. She told me that the company has 5 business days to investigate the incident and respond to me. 
I contacted the company on XXXX/XXXX/XXXX at XXXX XXXX - XXXX 's extension does not have a voice mail set up - the phone kept ringing and I could not leave a voice mail. She provided her manager 's contact information during my initial call so I called her and left voice mail ( XXXX ext XXXX ). I have n't head from them so I called again on XXXX/XXXX/XXXX - XXXX 's phone mail kept ringing and I left VM on XXXX 's phone again. 
I would like to know what happened to {$3000.00} of my payment.