WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, This is in regards to XXXX. 

XXXX/XXXX/XXXX - I received an incoming bitcoin transfer in the amount of XXXX in bitcoins. 

Within an hour the money should have become available to me because there were over XXXX confirmations. The transaction was still " pending '' in my account which means I have no access to it. 

XXXX/XXXX/XXXX - I opened a case and asked them what 's going on. I did n't hear anything. 

XXXX/XXXX/XXXX - I asked again what 's going on. Within 3 minutes I get a response back about network congestion and transaction fees which is not related to my issue. It seems like just a cut and paste reply. 

I reply a few hours later explaining this is not what is wrong in my case and provided them with details of my transaction and why I am sure it is something on their end. 

I hear nothing. 

XXXX/XXXX/XXXX - I write to them again asking for an update and explaining that this is something on their end. 

XXXX/XXXX/XXXX - I ask them again to please correct this error. I also try calling their customer support number but it tells me they are too busy and it hangs up on me. 

XXXX/XXXX/XXXX - I call the customer service number again and this time XXXX press 1XXXX which is an option to press if you think your account is hacked. This gets me through to someone after some time on hold. 

Customer service looks into my issue and agrees there is something wrong and they said they made a new case for me to the payments department and put the priority to 10. They said my old case was a priority 1 since it was in the general pool of cases. 

I see the new case has been opened in my account. 

XXXX/XXXX/XXXX - I reply to my old case telling them I 'm still waiting. I get another cut and paste reply about high traffic and website outages which again, is not related to my case. This reply was also dated XXXX/XXXX/XXXX for some reason but is listed after my XXXX/XXXX/XXXX message to them. 

XXXX/XXXX/XXXX - I reply to my new case asking if there are any updates.
There are numerous credit inquiries that are showing up on my credit report that were previously off of my credit. The representative told me that she did n't believe I was apart of the clitch that happened with their systems. I tried to explain to the representative that these inquiries were off and have been placed on my credit report and in some cases I am seeing the same creditor on their twice. These inquiries are really hurting my credit score and I am in desperate need of a resolution.
After my three year lease with Nissan Motor Acceptance Corporation ended, I received an invoice for {$4200.00}. I promptly responded and paid {$660.00}, the amount I was certain was due to Nissan. With respect to the other items in the original invoice, I sent Nissan a letter dated XXXX/XXXX/XXXX disputing certain items, asking for verification that certain expenses had been paid and asked for verification of the basis of certain charges. 
The next invoice I received a letter from Nissan credited my payment but did not respond to any of the issues raises in my letter. I then sent another copy of the letter, and had the post office provide me with a tracking source that the letter had been delivered. On XXXX XXXX, XXXX I received another letter from Nissan reminding me that the balance of {$3500.00} was due, and staring that if I did not pay the amount due, my account may be referred to collections and the credit reporting agencies. 
Nissan has an XXXX number to call, and I tried it twice, finally hanging up in frustration after being on hold over 12 minutes. 
The majority of the amount Nissan claims is due is likely valid, e.g., the amount Nissan claimed paid to the XXXX for an annual car tax. I am only asking for verification that Nissan paid the bill from the city .A majority of the amount in question can be resolved by Nissan providing me with the backup requested.
Nationstar Mortgage Subject : Foreclosure Process Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX AM Dear Nationstar XXXX On XXXX This Morning '' TV Program today, XXXX/XXXX/XXXX, there was news article that directly related to your ongoing dealing with me. I have copied it below. As you know, XXXX, my previous mortgage servicing company in XXXX XXXX, missed sending the first payment to you, and the second was set up online with your mortgage servicing website to draft my checking account, and it did not go through, and finally, as I said previously, my marginal cushion between my SSI payments and the mortgage payment was very small : {$730.00} vs. {$620.00}, and my car broke down several times at the end of XXXX. As I live in an area where a car is necessary, the minimum amount of work possible each of these months, did not allow me to make the full payment for the third month. I have kept up with payments since. I am XXXX XXXX XXXX and I have lived in this house XXXX years, and I want to continue living here. Please pay attention to this as I will send my complaint, including a copy of this, to CFPD, as you, Nationstar, are aggressively sending me into foreclosure. Please consider adding the late payments to the mortgage due. Thank you. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ME XXXX XXXXXXXXXXXX # # # ... http : //www.cbsnews.comXXXX Are private equity firms making mortgage mistakes? ... XXXX XXXX, XXXX, XXXX AM ... There is new concern for some homeowners nearly 10 years after the last housing crisis. A recent New York XXXX investigation found that private equity firms, which bought distressed mortgages after the XXXX crisis, are making similar mistakes that banks made before the last bubble burst. XXXX News business analyst XXXX XXXX joins " XXXX This Morning '' to discuss whether homeowners should be worried ... These firms are pushing people into foreclosure with short term late payments, contact CFPD.
Yesterday eveningXX/XX/XXXX, I submitted a pre-qualification application via their " Structure a Deal '' option which states " Skip paperwork! Save time at the dealership by doing the work from home! '' for a XXXX XXXX ( XXXX XXXX # XXXX ). Per the website ( XXXX ) a pre-qualification will not affect credit reporting- instead it would give me a rough estimate of my payment, with no consent to run my credit. Today,XX/XX/XXXX I drove to the dealership with the anticipation of purchasing the vehicle mentioned above. The dealership opened at XXXX EST and I arrived around XXXX EST. While in the dealership waiting for a sales representative, I receive a call from a XXXX at the dealership telling me that the vehicle ( mentioned above ) was sold yesterday, XX/XX/XXXX After receiving a second confirmation ( from XXXX ) that the vehicle was sold, I informed that the pre-qualification application is null and void since the vehicle was no longer available. Both of the gentleman informed me, since the vehicle was sold, it would not be processed and my credit would not be affected. After receiving verbal confirmation and email confirmation that my credit report will not be accessed nor would I get an inquiry, I get an email from my Credit Monitoring company at XXXX EST stating my credit report was accessed. This dealership was well aware that the vehicle was sold and accessed my credit report without my knowledge! I tried contacting the dealership on several occasions after receiving the alert and they continued to disconnect the phone on me. This is bad business and if this does n't get resolved within the next 2 business days, I will be contacting the BBB and filing a legal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C, Section 1681. This inquiry needs to be removed!
I have requested several times to have consumer statements removed from my Equifax file. 

After each call, I received an email from Equifax with a confirmation number stating that my dispute to have the consumer statement removed has been completed, yet they still remain on my credit file. I have six such emails, all with different confirmation numbers, from each of my calls. The following dates are from the emails stating that the dispute is complete and that the statement has been removed. These confirmation numbers and dates are as follows : confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation number XXXX dated XX/XX/XXXX and confirmation number XXXX dated XX/XX/XXXX. 

I have talked to several representatives from Equifax that stated that my file would be updated within 24 hours and the consumer statement would no longer be on my file. I get an updated credit report from Equifax through a paid subscription, and the statement still remains. 
I continue to call them daily and speak with them, only to be assured that the statement will be removed this time, yet it never is. Every person has the right to remove a consumer statement from their credit file. Please help me address this.
I have XXXX issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.
XXXX XXXX a XXXX year old man thought that he was purchasing a Brand New XXXX in XXXX 2014, he agreed to pay approximately {$30000.00} for the car. XXXX XXXX did not realize this was a lease and grossly over-paid. Once the papers were read we explained to him that it was a lease not a sale and the price of the car was {$22000.00} and not XXXX he paid. XXXX XXXX requested the Lease Agreement for the car and was sent a illegible agreement which was not included in his original paperwork. It appears that the Dealership changed hands and now is controlled by someone new, furthermore, XXXX XXXX was sent to a collection Agency which has demanded an additional XXXX on a car not worth more than XXXX and XXXX received nearly 40K. The Dealer contacted the customer and said we can sell it for more than you can, which did not happen. After reading the contract with a magnifying glass it is in contradiction with the demand for the additional XXXX the contract says that the amount collected after the completion of the lease is no more than XXXX. This is Elder Abuse in the worse way and XXXX should be held to a higher standard beginning with including the contract up front and a clear explanation of the lease. The dealer also included a Contract Cancellation Option Agreement which clearly says for " Used Motor Vehicle Purchases Only '' XXXX XXXX car was supposedly " Brand New '' So it is unclear why this document was included.
COLLECTOR FAILED TO VALIDATE DEBT AND HAS REPEATLY CALLED MY WORK AND CELL NUMBERS IN VIOLATION OF FCRA, FDCPA AND TCPA.
I was mislead from the loan officer in stating and guaranteeing my loan would be approved.I was told on several occasions via text, email and phone conversations was loan was being approved however the day before closing my loan was denied. This has caused a hardship for my family and I. My loan officer also shared private personal credit information to my ex husband, real estate agent and sellers real estate agent without my consent. I feel my loan officer acted in an unethical and unprofessional manner. The loan officer did numerous, sometimes daily credit checks significantly lowering my credit score as well making in virtually impossible for me to apply elsewhere at this time
In XXXX 2015 I received telephone call from a debt collector representing the office of attorney XXXX XXXX XXXX. The representative offered a settlement for a past XXXX debt. We agreed to a payoff of {$380.00}. I paid and a manager indicated the amount agreed would reflect on my credit report. My credit report shows the debt paid however not the {$380.00} agreed. 

Please see the attachment from XXXX XXXX XXXX 's office.
company, S.P.S. mandating flood insurance but XXXX says I have valid XXXX letters. Insurance not required S.P.S. will not honor XXXX letters charging new escrow account will not respond to inquiry for information
Hi, as of XXXX XXXX I switched to XXXX home owners Ins from XXXX a XXXX underwriter.. I was told at first that XXXX from XXXX could do the transferring of the car and home ins ... than she called and told me I had to go into the office at XXXX to cancel the HOI..so I did and signed a paper stating that I no longer wanted XXXX and that I had new HOI.. I did that in front of a guy named XXXX. 
XXXX XXXX came and the XXXX XXXX paid XXXX for the year ... than in XXXX I asked why the escrow was soo much when I lowered the XXXX from then {$1400.00} to $ 600/yr and XXXX said sorry and sent me a check ( {$420.00} ) as well as lowered my payment $ 100/month ... I thought it was fixed but ... then in XXXX XXXX paid XXXX {$1600.00} for HOI till XXXX as a second HOI???? does this mean I get 2 homes if my home burns down?? I DO N'T THINK SO. so I asked XXXX if they could shed some light on this and they told me that XXXX no longer works for them ... so I asked XXXX if they could shed some light on this and they said that XXXX no longer works for them ... so I asked XXXX XXXX why they are paying 2 HOI on 1 home and they said yes that what we did??? HOW DO I FIX THIS?? XXXX XXXX already paid {$3200.00} for Ins that I cant use?????
My information includes a false " also known as '' name of XXXX XXXX XXXX  and an address of XXXX XXXX XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX XXXX. as well as XXXX XXXX XXXX XXXX XXXX  stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX  years old and retired. XXXX XXXX  has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX  likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can Experian allow false information to be added to my profile without my being informed?
XXXX XXXX XXXX originally XXXX  XXXX- XX/XX/XXXX {$490.00} Was sold to another company so I Filed a dispute explaining the account is a no contract account and was not verified. 

XXXX- XX/XX/XXXX {$4600.00} Filed a dispute that account was not verified Diverified Consultant originally XXXX- XX/XX/XXXX {$1000.00} Account was sold to another company, I have tried to dispute account stating this was not verified and account has no contract.
The man calling me refused to verify himself! Ive asked several times. I have also attempted to dispute this account on several occasions! Its now been at least 9 years! Im by no means responsible for this debt and would appreciate some assistance because its out of hand with this this current company!
I am extremely concerned over discriminatory banking practices regarding Citigroup and the gun industry. I use two Citigroup credit cards for almost everything I buy, including guns and ammunition. If these allegations are true, they are also extremely unethical, inappropriate, and will not never tolerated. As of right now, I use these cards to make approximately 2000 a month in purchases. I am ceasing to use these cards until I hear further information refuting this, and if true, I will immediately close the accounts.
Commonwealth Financial Systems has yet again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the fifth time that this fraudulent account has appeared on my credit reports and the third time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence from my complaints and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of Texas as well as the PA Attorney General. It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive and illegal behavior.
This is a credit card I had back in  XXXX . The card was paid off in  XXXX  but shows my last month was late b y 90+ days. I was not late but rather I paid in full. I tried contacting tribute ( phone and address is now for a card " aspire card '' ) the guy tells me tribute is a closed company and he ca n't do anything about it. I want the whole account rem oved from my credit reports.
I reviewed my credit report on Credit Karma and noticed that my XXXX report has been effected. As a result all of my inquiries from my XXXX report were removed on XX/XX/2017 and added back to my credit report as new inquiries. They also removed my only collection XXXX and placed as an active account during the same. The information has not been corrected and still shows the same information as of today XX/XX/2017. This is detrimental to my credit report as it is not only incorrect information but it is also interfering with and prohibiting my process of buying a home. I have attached all documents showing how inquiries were removed and added as new inquiries and collections being removed and then added as an open account. I contacted XXXX and they are stating that they are not responsible.
I went on a Saturday XX/XX/XXXX on Chase branch on XXXX XXXX XXXX  XXXX XXXX in XXXX to open a prepaid card, the guy was super nice and asked for my documents and I provided him with 2 IDs and proof of address and I left the bank with my prepaid card, I deposited money in the bank  and was using my card normally over the weekend a few cash deposits a few debit transactions, Going thru the online banking, I saw a good deal to open a checking account so I did open online a checking and savings account on Saturday night, and kept using the accounts normally on Monday morning I woke up whe I got to work my online banking was locked, I called chase and the lady said that the account was suspended all I had to do is stop at a chase branch with my ID and they would close my account and open new accounts, on the next day I went to chase bank by my house in front of XXXX hospital the lady at the bank ask for my ID and I give her the ID and she start to make a phone call and she put me on the with someone that told me Chase was ending the relationship with me and I could no longer have chase accounts, and I ask why all they say was because of transactions on my checking account, I though with myself but Isnt that what checking account are for? And the transactions was about 4 debit card transactions and 3 Cash deposits, wich left me a balance of {$40.00} approximately the lady that was speaking to me was extremely rude, she said that I owed the bank money because there was a few transactions that had not going thru including a deposit of {$100.00} that my BF sent me thru his chase account, I mean if didnt go thru how it shows up on my account, she wanted me to pay chase right away, I said that I wasnt going to pay anything because the money was debit to my bf account and she made me going they this embarrassent of asking my bf to call the bank and she really was treating me like she was superior or something! I never felt more humiliated in my whole life, she was really desrespectfull, and today I got a letter I. Mail says that the accounts were closed because of suspicious transactions or I didnt provided the documents they asked!! I was like! Really? Because of what transaction? XXXX MTA? They just lied straight to my face! And treated me like I had a really contagious disease, I think is not right!
I recently opened an account with BB & T. I made a deposit of {$970.00} of three checks on XX/XX/18. On XX/XX/XXXX, ( seven days later ) I made 3 purchases using the debit card totaling {$75.00}. BB & T charged a {$36.00} overdraft item fee on the same date ( XX/XX/XXXX ). On XX/XX/XXXX, I made a debit card purchase of {$42.00} and BB & T charged {$36.00} for overdraft item fee. The account balance still showing that I have over {$700.00} available for use.

I contacted the BB & T customer service and asked as to why they were charging {$36.00} twice for overdraft fees. BB & T Rep explained that the deposit made on XX/XX/XXXX had a hold of 9 days ; I asked that if any of the 3 checks deposit were returned. BB & T said no.

I asked BB & T when the deposited checks were cleared by the other banking institution. BB & T Rep. could not provide that information. I believe that BB & T predatory policy and actions are designed to exploit the customer. BB & T did not have no valid reason for charging such outrageous fees from my own money.
XXXX wrote and mailed a dispute letter to Experian on XXXX XXXX, XXXX XXXX. The response with a letter on XXXX XXXX, XXXX stating that the account in question was verified by creditor but did not provide no documentation or evidence. 
XXXX. I called them on XXXX occasions XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX to delete this account from my credit report and all times were denied. My next step is to start litigation against XXXX, XXXX and Experian.
There was an XXXX XXXX charge of {$24.00} on my XX/XX/XXXX XXXX XXXX credit card bill for account # XXXX that neither I nor XXXX could find support for. I disputed the charge as fraudulent. XXXX   never credited the {$24.00} charge. Moreover, XXXX added several months of {$27.00} late fees, bringing my total account balance to over {$100.00}, and then placed my account for collection with Citi-Bank. When I contacted Citi-Bank to explain my fraud dispute, Citi-Bank immediately stopped collection action. I phoned XXXX Credit Department numerous times and sent them at least two certified letters. XXXX later closed my account in XX/XX/XXXX, as I recall, but reported this as an Adverse Account to XXXX and a negative account to both XXXX  and XXXX I recently discovered that this is still on all three credit bureau reports. Today, a XXXX Credit Department representative acknowledged that XXXX documentation on my account shows there was a fraud problem. However, the representative said that as this is an old account, XXXX will need to do further research to resolve it. 

It appears that XXXX Credit Department personnel didnt think they needed to correct XXXX negative reports to the three credit bureaus regarding my XXXX charge account # XXXX because they had closed my account. However, this left a problem transaction on my credit record and lowered my credit score, even though the transaction was related to a fraud and was not my fault. As of XX/XX/XXXX, this problem has not been resolved.