WillisBack/dataset-financial-user-claim huggingface dataset:
I sent Experian a dispute letter by Certified US mail (  XXXX   XXXX   XXXX   XXXX   XXXX  ) to dispute " the ONLY  XXXX  items '' on my credit. They did not respond within 30 days. I called and spoke with several managers to no prevail. Spoke with a manger by the name of "  XXXX  '' and he told me he could see that they received that letter  X/XX/2017    but they must have misplaced it. I told him I was going to turn this matter over to an attorney.  XXXX  then told me to give them until Monday,  XXXX   XXXX  no later than Tuesday,  XXXX   XXXX  to have the  XXXX  items deleted from my credit report and to please not contact an attorney. I waited until  XXXX ,  XXXX   XXXX  and the  XXXX  items are still on my credit. Called back and spoke with another manager by the so called name "  XXXX   XXXX  '' who was rude, argumentative and insulting. He told me that the letter i sent could have been " any kind '' of letter, insulting my intelligence because it 's clear the letter was sent to the " DISPUTE DEPARTMENT ''  XXXX   XXXX  then lied and said they already responded to my dispute letter and also said he would put in my notes/file that this situation has already been taken care of.  XXXX   XXXX  then told me to stop calling. I also sent a follow letter CLEARLY STATING it is a FOLLOW UP LETTER to let them know they have not responded within the 30 days. NOW experian is trying to use my FOLLOW UP letter as an initial letter to give themselves another 30 days. smh I have sense called back and spoken with a manager by the name of  XXXX  who took my information and said she would look into trying to get the  XXXX  items deleted and she never called me back. I called today AGAIN  X/XX/2017    spoke with a employee who tried to get her manager and  XXXX  on the phone AGAIN on hold fo r 45mins. Neither one of t he managers came to the phone. The employee then asked for my phone number AGAIN and said  XXXX  the manager will give me a call back. I am now seeking legal actions. This has stressed me out beyond belief having to call from work over and over again being put on hold f or 45 min s at a time. Not being able to get a car for work and a place of my own to live because of the " ONLY  XXXX  items '' on my credit report. I am suing for defamation and intentional infliction of emotional stress and whatever other damages i can sue for. Instead of them simply correcting this issue and taking responsibility for not responding within the amount of time allotted by LAW, they chose to ignore the issue, LIE, give me the run around and stress me out. I also have several RECORDED conversations between the managers and I. I made sure to inform them at the beginning of the calls that the calls were being recorded. I have also attached the letter that I am sending to their corporate office.
On XX/XX/XXXX, I received a phone call from Pacific Union Financial Services at XXXX. The gentlemen I spoke to on the phone stated they ( Pacific Union ) had not received my XX/XX/2016 payment. I explained to him that I made the payment on XXXX. I was at work and I could n't go find my email confirmation. He reassured me that they had not received the payment. So I scheduled another draft out of my checking account in the amount of {$1000.00}. I told him I would call back later to so they could investigate and see what happened to my payment. I called back the same day XX/XX/XXXX at XXXX and spoke to XXXX and tried to explain to her that I made the payment on XX/XX/XXXX and she stated she could n't find a payment. I asked to speak to a supervisor and she told me no one was available. She told me she would have XXXX or XXXX ( supervisors ) call me back to look into my payment. As of XX/XX/XXXX I have not heard back from Union Pacific Financial, XXXX or XXXX. I found the email confirmation of my payment. They have reported a delinquent payment to the credit bureaus. My account is not delinquent and I have the payment confirmation.
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  Equifax  but still reporting as an closed account on Equifax, and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further w hich may result in a  lawsuit.
This is my 3rd complaint against this company on same issue, the account is part of Identify Theft. 
Previous complaint XXXX was closed when CFPB received company response on XX/XX/2018 where company indicated that " I have attached notes from XXXX system as to how XXXX concluded this account does in fact belong to XXXX XXXX '' but there is not any note attached from XXXX 's system. 

Please review the company 's response to complaint XXXX on XX/XX/2018 and see how this company has been misleading all of us. 

I request Source Receivable to provide a complete details on this account when it was open, including a copy of the identification provided when account was open, how and where this account was opened, how they have come up with the amount they have claimed.
I have a care credit card account which I use solely for my dog when she has XXXX ( XXXX ). I had my account down to {$1900.00} and when I went to make my usual {$100.00} payment today, my balance has shot up to over {$2500.00}! I was shocked and called and their answer was that the payments ( when CALLED IN ) you can verify which deferred purchase I would like the money to be credited to. I have had this account for YEARS and have been making payments that I assumed was going towards the oldest deferment. To my shock and disgust, it was not and literally it is entrapment, then they tacked on {$580.00} which should of been avoided due to my bigger than suggested payments. It is extremely unfair, she admitted to me that this information is NOT on the statement, nor website where I make my payments. obviously, had they told me, this would of been avoided all together. I was furious when I did get her to tell me that there was XXXX purchase that was deferred and only had a balance of {$27.00} but unless I called and told them this was the XXXX to put the payment towards, it would of tacked ANOTHER {$350.00} on soon. This information is nowhere for me to see to decide what I should pay, she said it is listed like purchases on a credit card then it drops off ... really? I feel angry, tricked, and I want care credit to know my eyes are wide open and from now on I will call them every payment made and keep XXXX of their people busy telling me any and all purchases and when the maturity date is so I can finally,,, after three years of wasted {$100.00} payments not getting properly credited, now I know why I ca n't seem to make any headway with this account. I recently went paperless assuming all the proper information regarding my account would be listed and it is not. Very unhappy with this situation. I am a single mom with XXXX XXXX and a mortgage, {$580.00} is a ton of money to me ...
Equifax responded to a complaint and they state that the status of the XXXX account has been updated to PAID IN FULL. However, they still list the STATUS as CHARGED OFF, which is not the case. The information that they received from XXXX in order to update the reporting is that the account is that it is PAID IN FULL. I have uploaded that document. That is the current STATUS and it is required by law that it is reported that way by the credit bureaus. 
Charged off is an IRS term meaning that XXXX offset their taxes with the amount. Now they have to reverse that process and report it as INCOME, once it is paid in full the status of CHARGED OFF no longer exists. The amount has been disputed for three years due to XXXX unfairly charging overdraft fees. 
Thank You
On XX/XX/XXXX my lease account with XXXX XXXX in XXXX XXXX was paid in full. On XX/XX/XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on Equifax still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from Equifax, with this account on the same status. A call with XXXX XXXX was performed today, XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.
ATTEMPTED TO RESOLVE REPORTING PROBLEM WITH ALL THREE COMPANIES : XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX. THERE ARE ISSUES REGARDING OPEN DATES, DATE LAST REPORTED AND WHEN ACCOUNT CLOSED.
capital one credit card is claiming i owe over {$2400.00} on a account i never opened.i looked into identity theft and found out capital one is the one commiting fraud.i asked in writing for the application and transactions for the account.they only sent me a bad copy of an application.that i had filled out for an old account that was discharged in bankruptcy a year before this account was supposedly opened in 2011.i can tell because the house hold income is to low at {$47.00}. i checked my tax return, is should be XXXX.why would i lower my income if i was trying to get a card? and i would n't of gotten such a high credit line one year after claiming bankruptcy.my wife accidently made a {$90.00} payment while i was out of town thinking i forgot to make a payment.that is the only payment i made.and they say that proves its my account.they refuse to send me old applications from the 2 closed accounts to see if they match this one.they have also sent 2 letters from the fraud department claiming the debt is mine.but i noticed they gave 2 different account numbers. **************** and ****************
On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted XXXX  ( online ), XXXX, and Experian to advise of the issue. I asked was there a XXXX  alert and they said " yes ''. 
XXXX alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.
See attached letter requesting a bill credit or canceling a Chase/Southwest credit card because of unexpected {$99.00} membership fee.
XXXX, XXXX and Equifax are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.
We received a {$700.00} loan in XX/XX/XXXX from Big Picture Loans. We were told on a recorded phone call that our total repayment including principal, interest and fees would be less than {$1000.00}. They said this would be the amount repaid if we repaid the loan within 3 months and called 3 days before the due date of the XXXX of the month and made payments of more than minimum due. On XX/XX/XXXX I made arrangements to pay {$500.00} on XX/XX/XXXX. I just called today ( XX/XX/XXXX ) to make the payoff amount on XX/XX/XXXX which should have been less than {$500.00}. We were told the total payoff amt was {$820.00}. I spoke with XXXX in the disputes Dept and she made arrangements for us to pay {$500.00} on XXXX and a contested amount of {$320.00} on XX/XX/XXXX. This will make our payments all within the stated 90 days, however, Big Picture Loans is charging us over {$320.00} to pay off the loan from what we were quoted when we obtained the Ioan. We are paying the {$320.00} because this company is obviously a scam and we do not want to do further business with them. However, we would like to file a dispute/complaint to have the over {$320.00} returned to us and have the account paid.
Ive had my capital one XXXX card for over 7 years, started with a {$300.00} credit line and since the date i opened the account i still have not received a credit line increase. Given i did have high balances i always paid my minimum balance on time since the account has been open. I believe this is not fair because the company advertises an automatic credit line increase every 6 months.
I chose to refinance my student loans wit h College Ave l oans. They ultimately used  XXXX  as the refinance company.  <P/> CollegeAve/ XXXX  disbursed the payment and started accruing interest on   X/XX/17  a nd my previous provide r (   XXXX   XXXX   )  received/processed the payment o n  X/XX/17 . Ther e was a six day window where I was being charged interest in both places,  XXXX   XXXX  and  XXXX .  <P/> I have calle d College Ave about  once a month since  XX/XX/XXXX  when I realized this. Each time they told me they would escalate the issue and get it fixed right away. Clearly that has still not happened and is the reason why I am writing this.  <P/> CollageAve/ XXXX  must go back and recalculate all interest and payments that I have made towards this balance because I have paid more interest than I should since the Principal amount would have been lower each time they calculate interest
We have a home equity loan with lender XXXX XXXX. The company closed doors and we contacted a lawyer to pursue this company and found out they closed doors and no longer in business. All payments were seized and never heard from XXXX and all correspondence stopped and on line account access locked. Statue of limitations were reached. And now to our surprise the loan was sold multiple times. And we have sent letters to each of these new debt collectors asking for proof of original copies of loan and terms and real time payment made to loan so we can see the real time date and amount and transaction payor id so we can determine the information is in deed accurate, true and just so we can identify if statue of limitations has been meet. No one can provide that info. the loan is know in the hands of Shellpoint who has numerous complaints of Racketeering and unfair debt collection practices for mortgage loans that have unfair subprime terms.
My complaint is regarding the fraudulent/mispresentation cash rewards and refund ( over payment ) AMERICAN EXPRESS ACCOUNT ENDING XXXX. 
First of all, I paid off the amount of {$2100.00} and payment was received X/X/17. 
I received a statement amount stated {$2000.00} due date was X/XX/17. 
I called and told them that, my refund should be {$74.00} instead of {$67.00}. 
Per conversation, they cant give me the full amount because of the interest fee. 
Its not making sense if the stated on the statement is {$2000.00} ; and I over paid them and theyre not going to give me the exact refund amount, {$74.00}. 
And I asked, regarding my cash reward in the amount of {$33.00} ; and I want to claim or send it to me. They said, not able to send/give to me because of the security question. They asked me XXXX XXXX if I am related to her and I said, I dont know her. That was the reason why did not process my cash rewards. Thats a fraud or mispresentation of the company on their advertising or promotion.
I disputed various accounts that Experian has been reporting incorrectly. I received an email on XXXX/XXXX/16 that my results of the processing of my dispute were available online. I logged in to see the results and despite their legal obligation to correct or delete inaccurate, incomplete or unverifiable information they failed to do so. Instead of reporting complete, accurate or verifiable information they instead removed positive payment history, changed the date of the inaccurate delinquency and closed my dispute regarding the XXXX XXXX accounts. Now they are not only reporting inaccurate delinquencies on those XXXX accounts but they are reporting incomplete information because they have removed 2 years worth of positive payment history on this account. They have also added the following to each account : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. This is in fact not my statement and I do not want it on either of these accounts because it is being portrayed as my statement which is both misleading and outright false. I have had to dispute numerous accounts on my Experian credit file and despite their claim to have verified the information they continue to not only report inaccurate and incomplete information but information that they could n't possibly be verifying with the creditor because the verification does n't exist.
on XX/XX/2017 at XXXX XXXX, i initiated a transfer from coinbase to XXXX. This was my first time trying to fund my XXXX account and had never been on the site for this purpose. XXXX makes it extremely confusing and offer no customer service. I clicked the little plus sign next to XXXX instead of XXXX. 
Coinbase should never have initiated the transacation as it was not possible to deliver.
Coinbase is telling me there is nothing they can do to get my money back. 
it is in excess of over 30k usd. 

XXXX AMOUNT TRANSACTED XXXX XXXX FEES XXXX XXXX RECEIVED 15 days ago CONFIRMATIONS 6+ Advanced Details Block Hash XXXX Block Height XXXX Transaction Index XXXX ( permalink ) Size 225 bytes Lock Time Version 1 Relayed By : XXXX
Lender Live has began the same unscrupulous tactics that began XXXX 2015 ( see previous complaint ref # XXXX XXXX. I have bean receiving multiple phone calls daily stating that I did not pay my mortgage in XXXX. I have bill pay which automatically sends a check monthly. The agent ( XXXX ) recommended that I make a payment immediately so it does not show on my credit report. I told him no since my bank makes the same payment each month. XXXX stated that since there is no coupon associated with the payment, the computer may misdirect it and I am still responsible even if I have confirmation from my bank when the check was mailed and delivered. My account number and property address is on each payment. I should not be harassed and threatened because the organization does not have the appropriate systems to process payments.
I got a call from Premier Student Loan Center and I believed it has been a scam. They asked for my social security, my debit card number, as well as various other personal information. I have been scared to give them a a call back, and just want to make sure that I am safe for the future.
I am filing this complaint for a client of XXXX XXXX XXXX. He is in our debt settlement program. OneMain Financial has called his work on many occasions after being told by him that it will impact his job. He has since been given a verbal and then a written at work due to the calls.
Transunion allowed XXXX to report an account that was removed from my report and it was reported by XXXX XXXX for same amount for sprint. This account is not mine.
I rented an apartment in XXXX XXXX, NV in XX/XX/2014 from a property management company called XXXX XXXX XXXX. I moved out after a couple of months because I could no longer afford to live there. The company had a lease agreement and wanted to collect for the rest of the agreement, which of course I could not pay. I never paid anything on the account, and years later I noticed it on my credit report. I looked up the laws regarding the collection of debts in Nevada and there is a 4 year statute of limitations on the debt. It has been almost 5 years now. The credit report shows that XXXX XXXX XXXX turned the collection over to Sentry Recovery & Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX in XX/XX/2014. The credit report also shows I have already paid 15 % toward the debt, which is not true. XXXX  eliminated the debt from my report after I disputed it, but XXXX  determined that they would not remove it from my report.
I originated a wire transfer on XX/XX/XXXX to a company called Coinbase to invest the money in cryptocurrency. I followed the exact instructions and wired {$4000.00} from my checking account to my Coinbase account. I confirmed with my bank that the wire was completed and also called the recipient bank XXXX XXXX XXXX who also acknowledged receipt of the wire on the XX/XX/XXXX.

As of today, XX/XX/XXXX, the money has not been credited to my account and all inquiries go unanswered. I have attached the wire information for your information : The wire originated from XXXX XXXX XXXX XXXX Transit Routing Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX Confirmation Number XXXX From Account XXXX To Account XXXX Wire Processing Date XX/XX/XXXX Wire Submitted Date XX/XX/XXXX Amount {$4000.00} Receiving Bank Name and ABA Number XXXX XXXX XXXX, XXXX Beneficiary Name and Account Coinbase, XXXX XXXX ( Additional Notes ) XXXX Status Completed XXXX  XXXX Please find the address that I could locate for Coinbase : ( XXXX ) XXXX Coinbase, Inc 5 years in business XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Sadly, it seems that I am not the only Coinbase victim and I have read multiple posts from people experiencing the same issues.
I have had an auto loan with Ally Financial since XX/XX/XXXX. 
Never has a payment been over 30 days late during this timeperiod. In XX/XX/XXXX I informed the company by phonethat the car was in the process of being sold and received apayoff amount. I was told that this information would benoted to my account. The car was sold to XXXX during theXX/XX/XXXX and I was told the check would besent to Ally the following day. 
According to Ally, the payment was received on XX/XX/XXXX,3 days after the 30-day late timeframe and the payment wasreported late to the credit bureau. I contacted Allyimmediately on XX/XX/XXXX to rectify the situation due to thefact that the payment has never been late and there weredelays with the dealership sending the check on time. Iasked that my the reporting be deleted as I am in theprocess of buying my first home and financing will fallthrough if the negative credit reporting is not deleted. Irequested the review be expedited as I am expectedto close in the next 2 weeks. I have not heard from Ally andcontinue to get conflicting answers over the phone. This ishorrible customer service. The company was informed thatthe car was being paid off well before the due date. It canbe reflected on the check that the car was sold and thecheck sent well before the account exceeded 30 dayspast due. If I am unable to remove this negative reportfrom my credit, I will no longer be approved for my newlyconstructed home and lose thousands of dollars. Mypayment history will show that I have never been 30 dayslate on this loan. I should not be penalized for the lag inprocessing my payment received from the dealership onAlly 's end.
XXXX XXXX XXXX, in XXXX California, pulled a hard inquiry on my credit report without consent. I specifically requested them not to pull a hard inquiry, to which they responded that they would not. 

They asked for my social security #, and I provided it, after being told they would only use it for a soft inquiry, in order to come up with a preliminary loan payment.