WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016, I ordered some cosmetic products at XXXX, XXXX, NV XXXX for delivery by shipment on XX/XX/2016 - because the merchant did not have all of the products in stock and because we did not wish to attempt to return to our home in XXXX with those ( requiring additional airline baggage fees ). The merchant agreed to ship those products for free due to the size of the purchase - {$2200.00}. However, upon reflection, we decided we would cancel the order and returned the next day to do so. Since the merchant prevaricated about how that could be done ( for several days including in person, via text and email messages, and over the phone ), the credit card used for the charge ( American Express ) was called and the charge disputed. Though the credit card receipt said " There are no refunds or returns '', research of the Uniform Commercial Code with later confirmation by a lawyer we engaged indicated that we were within our rights to cancel that order regardless of the receipt verbiage, especially since we had not received the product. Initially, the merchant communicated with us about still shipping the product ( even creating a shipping label of which we were advised by FedEx ) and promising additional discounts. Using only the CC receipt, they attempted to rebut the dispute and initially gave American Express the ( unused! ) tracking number for the shipping label as proof of delivery. In one call with American Express, their agent even said that the merchant had claimed to have shipped the product ; however, when tracking status and other information ( text messages and emails from the merchant ) showed that the product had not been shipped, the merchant then claimed the product had been picked up at time of purchase. American Express tentatively accepted several disputes, but for each dispute eventually sided with the merchant. I feel that American Express has knowingly abetted a commercial fraud by the merchant by continuing to post the charge to my credit card account. I believe they have done so to curry favor with the merchant to ensure continued acceptance of their card by the merchant and/or to ensure they collect their credit card processing fee from the merchant. Our lawyer has advised that suing either American Express or the merchant for this fraud would cost more than the charge. It appears that both the merchant and American Express are aware of this and so are confident that they can perpetrate the fraud with impunity. Note that my wife has a similar dispute with her XXXX credit card purchase at the same merchant, but I suppose that will need to be filed separately.
Over a month ago ( XXXX XXXX XXXX ) I was signed out of my CoinBase app on my XXXX. Im not sure why the CoinBase app randomly signed me out. When attempting to sign back in I was prompted for a two factor authentication. The app proceeded to text me a code I was supposed to enter in order to sign in. Unfortunately, I no longer have access to the phone number listed with my account, so I could not recieve the texted code. I proceeded to the account recovery option on the code entry page that you could select if you were unable to recieve a one time code. I was prompted to change my phone number with my account, but needed to enter in my previous number in order to change it. The previous number listed on my account is a temporary number, and I dont remember what that number is. I therefore cant change the phone number on my account to my current number. 

I proceeded to email CoinBase support on the same day. I received an automated response directing me to some FAQs on their website. Below the email in very small text that I only noticed about 5 data later it said I could respond to that email if I needed further assistance and that only if I responded to the email that theyd be in touch as soon as possible. 

Ive now waited over a month since my original email on XXXX XXXX ( today is XXXX XXXX ) and have yet to recieve a response. Ive responded to the automated email 3 times and DMd the CoinBase support XXXX account, to no avail. Im extremely frusturated because Im locked out of my account and have not received any response or assistance regaining access to my account and funds in over a month.
I opened a promotional account with Citi bank ... ..After meeting all their requirements ... ... They are denying me of my rightful bonus
I received communication from two companies claiming I owed a balance with XXXX XXXX XXXX. The first communication, a letter, was received on XX/XX/2019 from XXXX XXXX. I responded the same day by mailing out a debt validation demand to the address they provided me. On XX/XX/2019, I received second mail correspondence from a company called Resurgent Capital Services claiming they manage the company LVNV Funding LLC, which was apparently a related party to XXXX XXXX. They indicated that they received the inquiry and that I should contact them by phone. I responded today by mailing another letter to Resurgent, again disputing the debt and indicating that I would be filing a consumer complaint.
I got a call from these  XXXX , stating that they were looking for my EX who I do not speak to anymore about a debt he owes from his business dealings. They have threatened me to continue to harass me if I do not get my ex to call them. They have also contacted my daughter 's cell phone. I have made it clear that I can not help them, however the   XXXX    keeps harassing me. This should be illegal for him to threaten me over text messaging and to continue to call and text my phone.
I have a mortgage though PennyMac and have had XXXX instances of them obtaining insurance on my behalf which was inappropriate. 

In the XXXX case, I was notified by PennyMac that I was no longer required to hold Flood Insurance as FEMA had reclassified my location. I returned their form letter in XXXX of XXXX requesting that they not pay that insurance when it renewed. In XXXX of XXXX, PennyMac paid the renewal in spite of my written direction. After more than XXXX calls to their insurance and escrow departments, I gave up - not having received any money back. 

In the XXXX case, PennyMac had renewed my home owners insurance through XXXX XXXX in XXXX XXXX and for reasons that I have not been able to determine paid for a second home owners from a company called XXXX XXXX in XXXX of XXXX. I believe that they were scammed by someone posing as a XXXX XXXX employee, as XXXX XXXX denies having anything in my name and does not do business in XXXX. Once again, I have been completely unable to get PennyMac to re-imburse me for the missing funds.
A credit card was opened in my name with Suntrust Bank.I have a fraud alert on my credit report stating to contact me at my phone number prior to issuing any new credit. Suntrust has closed the account but not tell me why this account was opened without contacting me first.
Working on submitting dispute issue with TransUnion credit reporting company. 
This account was Legally paid in full for less than the full balance several years ago through XXXX XXXX. 
On XXXX/XXXX/16 I submitted a consumer credit complaint but the issue was only corrected with the XXXX Credit Reporting Agency still showing on my XXXX & TransUnion Credit Reports.
My home was slated for foreclosure. In XXXX 2016 I was contacted by a man who saw my home listed on the Internet. I had contacted my Lender for an application for a HAFA short sale in XXXX. The Lender is required to respond within 10 days. They did not! In XXXX 2016 I received several mailings from the lender including a Loss Mitigation review Summary Package. They approved a traditional short sale ; and did not even consider the HAFA, nor did they explain their decision. I meet all of the criteria for HAFA. Can you please help me.
Please review attached underwriting disclosure for my home property XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. No escrow/financing is available to XXXX XXXX XXXX.
I have addressed this with the credit bureaus ... both XXXX  and XXXX  it gets deleted because they cant verify the debt but they reinsert it with different dates and different amounts owed a few months later. I do not owe them anything! These debts do not belong to me! Wakefield & Associates are Not Licensed in the state of Tennessee so they are in violation of the Tennessee Fair Debt Collection Ac. The last date they have put on my credit reports was XX/XX/2018 for the amount of XXXX both on XXXX and XXXX. It states XXXX  XXXX XXXX   XXXX. Could you please help me stop them. Thank you.
I initiated an online money transfer with a service called : Moneygram. The remittance of {$150.00}. plus the {$15.00}. transaction fee was to be billed to my debit card. I received an email summarizing the transaction and providing me with a tracking reference number. I then received a second email stating : We need a little more information to process your transaction. and directing me to call customer service for help completing the transaction. The " customer service '' is a call center in a foreign country with very poor reception. The first representative would only identify himself as " XXXX '' despite my request for further information concerning to whom I was speaking. He proceeded to ask me some personal information as to my relationship with the recipient and the purpose of the transaction. I made it very clear that I was comfortable with the said transaction. He then told me that my bank had declined the transaction because my address that I listed turned out to be incorrect ( which turned out to be a lie ). I then proceeded to discuss the matter with my bank. My bank informed me that the transaction would have gone through ( and it was listed on my online account statement ) but that the amount requested was {$0.00}. I then proceeded to contact Moneygram 's " customer service '' a second time and spoke with " XXXX '' ( who also declined to provide me with any additional information about her identity ) { I would like to note that these " customer service representatives '' have a very poor telephone reception and are constantly threatening to terminate the conversation saying that I have a poor connection when in fact I have very a very clear reception }. XXXX informed me that my transaction was declined because, quote : '' Moneygram is uncomfortable with this transaction '' and that " she could be of no further assistance ''. The specific complaints that I have are listed as follows : 1. I was lied to by " XXXX '' about the reason that my transaction was declined which caused me to experience undo anxiety about the status of my debit card and to waste my time and resources with an unnecessary call to my bank. 
2. I was misled by Moneygram 's claim : " We make it easy to send and receive money '' 3. I was lied to in an e-mail claiming that they only needed some additional information to complete the transaction when in fact they were denying the transaction and therefore wasting my time. 
4.The format of their payment page requires you to provide your debit card information before you can view your transaction details which I believe is incorrect. 
5.In addition, I have found out that under moneygrams " terms and conditions '' privacy policy XXXX that " moneygram may disclose my personal information '' to " direct marketers '' which I believe is a violation of my privacy rights. 
6. Moneygram 's " customer service '' is basically ineffectual and the representatives seem to be instructed to give clients a complete runaround and lie to them. 
Furthermore I would like to point out that the intended recipient is in medical need and his reception of the funds could amount to a matter of life and death.
I contact them numerous time to correct the inaccuracies that are on my credit report. 

I contacted the 3 major credit bureaus to dispute these inaccuracies. 

They keep placing new negative notations on this account monthly. 

This account is actively being disputed and had been being disputed nonstop since XX/XX/XXXX. 

They failed to provide me any verification documents. 

They keep ignoring my requests.
XXXX XXXX has corresponded with me through mail that my XXXX account is a result of id theft. Yet it is still on my credit report and they are continuously sending me small refund checks for this XXXX account. I want this debt removed from all of my credit reports immediately
I have filed a dispute with equifax to remove my joint chapter XXXX bankrupcy. filed on XXXX/XXXX/XXXX at NV, XXXX XXXX federal court # XXXX XXXX CT-LV, the address is XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX NV XXXX, tel # XXXX. Joint Bankeupcy under XXXX XXXX and XXXX XXXX, case # XXXX. This bankrupcy was dismissed/closed - ch XXXX. 
my original dispute with Equifax was on XXXX/XXXX/XXXX, they refused to remove it and instead of removing it, they are showing on my credit report that the bankrupcy court renewed the date which is my dispute date, which is XXXX/XXXX/XXXX. now I would like them to remove the bankrupcy from my credit report, it is over 7 years old. inclosed is documents and letter of dispute sent to Equifax , I disputed online and by mail. please remember that it is a joint bankrupcy and it has to be removed from my credit report as well as my wife 's. 
Thank you in advance. 
Have a happy and healthy new year. 
XXXX and XXXX XXXX
I have been unable to pay a small loan that I owe Regional Finance due to financial difficulties after divorce. Regional Finance continues to call my place of employment after being asked not to over XXXX times and also letter sent to them asking for them to stop calling my place of employment. I have given my cell number for contact which has voicemail but when I do n't answer they call my employer number right after leaving me voicemail.
equifax has held some inacurate inforation on my credit report and wil not remove or delete : XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account-NOT MINE XXXX XXXX XXXX Unverified AccountI NOT MINE XXXX XXXX XXXX XXXX Unverified AccountI NOT MINE XXXXL XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXXXXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX XXXX  XXXX Unverified Account- NOT MINE Unverified Account Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX  XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX/XX/XX/18 Not Mine. 

THE FROLLOWING ADDRESSES : Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me.
Dear CFPB, I was a victim of identity theft in XXXX. The identity theft originated out of XXXX. I was born in WV and have been a resident of XXXX since XX/XX/XXXX. 

I filed a police report and identity theft affidavit to report the crime and disputed items on my credit report ( s ) with all three major credit reporting agencies. 

XXXX of the fraudulent accounts was opened with XXXX XXXX XXXX XXXX. Another was opened with XXXX XXXX. I have never had accounts with either of these companies. I disputed XXXX these accounts ; however, neither of these companies acknowledged my dispute and XXXX subsequently turned the accounts over to a collection agent. 

The collection agents, XXXX XXXX XXXX and CBE Group refused to acknowledge the dispute and have continued their efforts to collect these accounts from me. XXXX these collection accounts appear on my credit report and XXXX are hindering me from obtaining a mortgage to buy a home for me and my family. 

I wish to file a formal complaint against XXXX The CBE Group and XXXX for unfair credit reporting practices and I request that these accounts be removed from my credit report. 

Thank you for your assistance. 

XXXX XXXX
There are XXXX student loan accounts for my Daughter that i was a co-signer on. Both of these account were in collection. The agency that serviced these accounts was XXXX and they had written off both accounts in XXXX XXXX. Fast XXXX on XXXX/XXXX/XXXX XXXX ( XXXX bank ) was settled in full thru XXXX Bank. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full XXXX XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. TransUnion even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular TransUnion ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you
in XXXX i was pre approved for XXXX. I provided all documents they required.In XXXX they asked for more documents. We were to close on XX/XX/XXXX and I was informed that it was pushed back again.So I decided too look for a new lender and was then informed then informed i did not qualify after that.
XXXX continues to report inaccurate information on my credit report. I have filed a police report and have forwarded it and they still continue to report this inaccurate information. They also will not allow me to file my dispute on line.
My home mortgage is or was with XXXX XXXX a company out of XXXX from what I 've found online. In XXXX 2015 they stated XXXX XXXX XXXX. @ XXXX, will now handle their banking of loan. This XXXX was a scam, after many phone call saw that I was paying more to cover my property taxes, they 1st hide the fund seeing I would not drop it. They stated on my " Statement '' {$1700.00} paid in for credit? was for taxes. Then I thought was fixed they got the OK to sell to BSI in XX/XX/XXXX, we 'll XX/XX/XXXX rolls around taxes not paid, and the {$1700.00} was gone. BSI had a employee XXXX XXXX who stated that they and XXXX were partners same company just we do banking. He went on to state they had call 's, complaints and more that XXXX x of XXXX 's had issues with XXXX, fluffing the books, moneys missing. I gather proof with XXXX and mailed it to get told " we 've passed the loan '' and deal with the new company - BSI, just as shadie I 've called over 20 time W/cell phone, alone to show a pattern, leaving voice mails, no calls back. When their personal collecting agent call, I state I want to speak with XXXX, not available they 've now stated Monday XX/XX/XXXX he was fired. What it come down to for telling everyone the fact on XXXX rip you off, and we 'll BSI working to fix it but I feel it 's a scam also. We think XXXX feel 's I 'll drop it as, They stated " we do n't care to deal with it ''. I need someone to look into this ASAP, as it 's loan fraud by the banking again, if XXXX 's of XXXX 's are like me scammed then told late payment or skip a payment was to rip off payment. The scam like seen on news XXXX company all good loan 's set up a XXXX then " make 's mistakes, then they send buyer to home and by mail, the XXXX make sure to not take call 's, and loss more funds. I was never late, taxes covered, and all good the XXXX who work with XXXX come 's in now I have late fee 's money stolen, and we 'll found out all are all XXXX owned as XXXX company, trying to get more then they are allowed and my home, with banking scamming. 
I tryed to upload a letter or XXXX proof, just cant work computers -
Someone accessed my account and tried to deposit XXXX checks in to my accounts. XXXX were tried to put in checking and XXXX in savings. Bank of America allowed the person to withdrawal {$1500.00} from my savings account on the day it was put in the account and a transfer was tried for {$800.00} the same day. I filed a fraud claim and claim for my card being stolen, and they said I was the one who allowed someone to access my account which is false because they used a mobile app to deposit the checks. I have only used this method once over a year ago too deposit a paycheck from XXXX. They said the checks where deposited in XXXX but XXXX was deposited XXXX and XXXX XXXX. They will not send me my bank statement for the month of XXXX and they will not allow me to access the account.