WillisBack/dataset-financial-user-claim huggingface dataset:
Previously I had filed against XXXX XXXX located in XXXX California regarding a bumper on a XXXX XXXX that I purchased.The bumper was coming off the car and we finally reached an agreement.On XXXX/XXXX/XXXX The air conditioning in the car went out. I just can not understand how a car can have so much trouble in 4 months.I am without a car for 2 days.And if the car was inspected it must not have been a good inspection.reimbursement for loss of use.
I started a new account with Coinbase.com last week and made three transactions betweenXX/XX/XXXX last week. Here are the Transfer IDs : XXXX XXXX XXXX XXXX XXXX XXXX for {$1500.00} XXXX XXXX XXXX XXXX XXXX for {$380.00} XXXX XXXX XXXX XXXX XXXX for {$320.00} Immediately after making these transactions, Coinbased closed my account with no explanation. These transactions are showing in my bank as posted ; however, I can not access any of the coins or the money in Coinbase as when I login it shows my account is " in the process of being closed ''. I ca n't access anything further, so they 're currently holding all of my money with no way for me to resolved the issue. I have tried reaching out to them via email, XXXX, and their customer service form feature on their site. Nobody has responded.
I 've asked they return my coin purchase money ( {$2200.00} ) + trading fees ( {$33.00} ), so {$2200.00} total immediately with no response. I 've asked them to call or email with any questions on what I need to do on my end to help resolve this and get my money deposited back into my account immediately.
I was put on a repayment plan with this collection agency. The payment plan was put in place so I could make small payments and help reduce my debt. The payment was due on XXXX XXXX. I did not have the funds in my bank account at the time but got paid today on XX/XX/XXXX. When I called to make my payment I was told my account was passed over to the legal department. I was not given any notice via letter, email or call regarding the matter. They stated that they called but i did not have any voicemails. They usually leave me one. I successfully made a payment on XX/XX/2018 of XXXX to show that I am willing and able to continue the payment agreement.
An Auto loan was opened in my name with Gateway One XX/XX/2016. My identity was stolen and used to purchase a vehicle. I was not employed at the time, nor did I live at the address that isXXXX in the contract. After doing my own investigation I learned the vehicle was purchased from XXXX located in XXXX, Mo.
I had a XXXX month lease with Honda Financial which was paid on time, every month. The lease was opened in XXXX XXXX and closed XXXX XXXX. Due to my real estate business, I had to declare personal bankruptcy in XXXX XXXX, a full XXXX months following the end of my lease with Honda. By their own admission they never closed out my lease and put my account into their bankruptcy dept. I, however, NEVER included Honda Financial as part of my bankruptcy petition and the account should have been closed as paid, satisfied, on-time as of XX/XX/XXXX. My credit report prior to my filing showed the account in good standing. After filing my bankruptcy, again, in which Honda was never included, the account is now showing as " closed-derogatory '' and included in bankruptcy. I have contacted Honda multiple times and even have a letter from them stating that my account was paid, on-time and closed in good standing as of XXXX XXXX. However, when Honda Financial reports to the credit bureaus they are still reporting the account in bankruptcy. It was fixed and then they reported in XXXX XXXX ( not sure why since the account is " closed '' allegedly ) and it is back to being reported derogatory and in bankruptcy. I have spent countless hours trying to get this corrected, to no avail.
XXXX 2013 was so sick and went to hospital. The finical rep ask me for ins 'i explained to her that I was on unemployment, She then told me she would put my case through charity. i then received a bill in XXXX 2013 for XXXX from the hospital showing the discount granted. XXXX months later I get a call at my job from a collection agency saying I owe XXXX. Since then I have done every thing to comply. to resolve this dispute and error. I have been treated badly by them as well as they lied about the dates when they sent me letters. I have been to XXXX hospital to resolve this error and the hospital has been working with me but the collection refuses to comply to clear this error. They lied when i asked to speak to the representive that there was not a person by that name working there name XXXX. I have a lot of health issues and I am on XXXX now they submitted it to court and refuse to even work with the hospital who is trying to help me.
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. DIVERSIFIED HAS NEVER CONTACTED ME REGARDING THE ACCOUNT IN THE AMOUNT OF {$1100.00} AND HAS NEVER GIVEN ME THE RIGHT TO DISPUTE THE ALLEGED ACCOUNT. I HAVE NEVER DONE BUSINESS WITH DIVERSIFIED NOR ANY COMPANY THAT THEY REPRESENT.
XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old.   XXXX   XXXX   XXXX  said to me call Credit Bureaus.
I called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is XXXX XXXX.
XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a charger of XXXX was posted to my Credit report from equitable Acceptance Corporation on XXXX.
Hello, The response I received from CitiXX/XX/XXXX does not resolve the issue that I had when I purchase a washer/dyer set from Sears. You guys are going off the the actually brick and mortar store price and the not internet price that I wanted. Again, when I applied for the account, I wanted the internet price and not the brick and mortar price. There was a technical issue when I didn't get the account number to pay online and no one would give that information to me to proceed with my internet purchase. There are phone calls that suggest this. Even the sales people in the store had no clue what I was talking about. So, after dealing with this inconvenience, I went ahead bought the the higher price merchandise for {$1800.00}. I know if a few hundred dollars difference but I'm not satisfied with this transaction. I need you guys adjust the amount I saw online back on XXXX, take my account of collections, fix the minimum amount due, fix the high balance, fix my credit reporting
I sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. XXXX replied that it was a fraud dispute. I am not going back and forth with XXXX about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''
I have an account with  XXXX  's. I was fired from my job last  XXXX  and things has n't been easy. I started receiving unemployment. Earlier this year I started failing to make my payments on the due date butwould set up an automatic pre dated withdrawl when the unemployment cleared. I 've received numerous calls in  one d ay the most I 've counted  was 12 t he earliest time I was called was at  XXXX   XXXX   XXXX   I have my phone records. The calls are harassing on sat morning I received a call from a representative who was rude and used abusive language. Her name was  XXXX . After I explained  XXXX  her about the unemployment she said do n't you have a spouse borrow the money from him or somebody. How are you paying your bills? Do you have money now? How much? I do n't expect sympathy for life occurences and could easily let it go  XXXX  collections and on my credit report ; however, I tried to work with them n hopes that they would work with my payments being late vs no payment at all. I refuse to be disrespected and harassed. I received  15 ca lls yesterday. To constantly call someone phone every hour is insane. That will not make you get money any quicker.
I tried to make a purchase on XX/XX/XXXX from a specific website. The website is XXXX based so my account was immediately blocked. The transaction timed out and did not go through from the website. I did n't receive a receipt or confirmation so I went online to my bank account to check and saw this : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/2016 PURCHASE XXXX XXXX {$88.00} The funds are in pending status. I called Wells Fargo Claims XX/XX/XXXX and spoke with a rep who said that there was nothing he can do about releasing the funds because it is under Pending status. He advised to call the company to have them release the transaction. 

I emailed customer service at the company and this is their response : Hi dear XXXX Thank you for contacting the XXXX. 

Unfortunatelly we do not find any information in our system with the email : XXXX. Can you please send us a proof of the payment? 

I am very happy to help! 

Kind regards, XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXXXXXX The company above does not have phone customer service. I provided the transaction details through copy and paste like the above to the company 's rep in response to them. Still waiting to hear back. 

I tried calling Wells Fargo Claims department directly since that time XX/XX/XXXX. 3 days has passed since I tried to make the transaction and I 've had to wait up to 20 mins or longer and have been unsuccessful with getting anyone on the phone. The Claims department at Wells Fargo is unwilling to release my funds back to my account and there is no way to reach them. I 've tried calling 4x now and each time waited 20+mins and no one answering. This is unacceptable service from a large bank.
I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a XXXX XXXX conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX  for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with Trans word Systems and they state the account balance is XXXX and it had been turned over to XXXX  XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?
I contacted XXXX XXXX XXXX , XXXX by letter to request verification of debt. XXXX XXXX XXXX has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.
Hello- In XXXX XXXX I purchased a XXXX exercise machine using a a credit card from Synchrony Bank which advertised no interest or late fees if payments were made on time for the minimum amount due within the promotional period. Below is a table of my due dates, amount paid, and date the payment posted per my checking account statements. 





Due Date : X/XX/17 {$300.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$300.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$360.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$600.00} Post Date XXXX -- For example I paid the XXXX XXXX due date on X/XX/17 in the amount of {$300.00}, and the XXXX XXXX due date on X/XX/17 in the amount of {$300.00}. As you can see I paid well above the minimum required and early, every month. 

I received my XXXX XXXX statement and saw I had been incorrectly charged a late fee of {$25.00}. I called Synchrony customer service on XXXX XXXX to try and rectify the situation. The customer service agent admitted they had not posted my payment of {$360.00} made on X/XX/17, which made my account flagged as late in their system. I pointed out all payments were made early, on time and well above the minimum amount required each month. They would not remove the late charge, but I insisted and they told me it had been removed. They have now incorrectly posted this to my credit score. I am now also responsible for interest payments because they have incorrectly flagged my account as late during the promotional period. 

I have paid early, on-time, and well over the minimum amount due. According to Synchrony 's credit card agreement, I would not be charged late fees, would not have a late payment recorded on my credit score, and would not be liable for interest within the promotional period. I have upheld the credit agreement I entered into, and now my credit score has been adversely affected by Synchrony 's error. They will not remove this record from my credit score.
Citibank is e ngaging in fraudulent behavior where they publicly advertise a promotional offer to attract new users, make them open a new account and add new funds into their account then, first : refuse to recognize the existence of the promotion and later : refuse to acknowledge that the user was part of the promotion.     In my ca se : 1. I sa w this promoti on on Citi 's websit e on   XX/XX/XXXX  ( see   attached file )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    2.   Checked the box on this page that says " I want to open a  Citibank   XXXX   XXXX    Account now '' and clicked the "  Enroll  now '' button. I then opened the account the same day.      3. A s required by this promotion 's terms, I deposited {$50000.00} from my external bank account into this new  Citi Savings a ccount  on   XX/XX/XXXX   (   see attached bank statement ).      4.  As required by this promotion 's terms, I kept pas t  XX/XX/XXXX   ( see attached bank statement ).      5. I c ontact ed Citi short after  XX/XX/XXXX  ab out the bonus and was asked to wait until " 90 calendar days from the date when you completed all offer requirements '' which would have been   XX/XX/XXXX .        6. I contacted Citi a few days ago and first got a canned response referencing an entirely different promotion that I never inquired about.
7. The second response stated that " offers are only available to the individual to whom the offer was addressed. '' 8. I se  arched on the web and it appea rs Citi is u sing this excuse to refuse the bonus to many of its customers who relied on this promotion. Most importantly, the promotional terms  make *NO MENTION* that the off er is only available to whom the offer is addressed. In fact, since the offer was publicly available and accessibl e on Citi 's  website, it is a " unilateral contract '' in which anyone that the offer does not exclude, is eligible for the bonus, so long as the terms are met.     For the reasons stated above, and based on my research online where other users have shared similar stores, I have reason to belie ve Citi is   engaging in a pattern of promotion fraud.
On XX/XX/XXXX XXXX I applied for a small personal loan {$2900.00}. I went through the pre-application and the hard inquiry. I provided online ID verification through their system. I tried to provide them access to my XXXX XXXX Bank information by logging in through their special login page. I ran into an issue wherein I was asked a cryptic question that is not one of my bank security questions. I was called by Avant the next morning and I filed an issue complaint with them about the bank login. I received three calls on the following 3 days. Each of these callers had no idea of my complaint. Finally I had to escalate it through a supervisor. I spoke to my bank to verify that this was not a question on my account. I missed a couple calls from Avant that were placed an odd times ; dinner and such. Then on the 7th day I received a email that my application had been cancelled. I called and spoke to a supervisor who quite rudely and shortly told me to reapply. When I said that I would still have the same issue she cut me off and said, " I already told you the only thing you can do is reapply. '' I ended the call. They had my intent to proceed and my complaint filed repeatedly and still they closed my application early and refused to revisit it. I can not reapply because the inquiry without the additional account has pushed down my score.
I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine.

OnXX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period.

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXXI received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature.

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX   stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX XXXX XXXX XXXX
I have noticed a few charges to my work pay card that are confusing I have been charged and had money deducted from my accountnow account most recently {$160.00} on XX/XX/18 I actually just got card replaced after this happened previousely and I'm at a loss now as to why or how this is happening I don't even use Western Union. And I noticed a few XXXX rides charged to my card also but the Western Union deductions is what I'm most concerned about all in all it was almost {$300.00} with my prior check and {$160.00} with my next check.
I have trie d on 3 diff erent occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response I  sent 2 l etters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts h as been updated as meeting FCRA requirements however I have not received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights. On 2 s eperate occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.
My Trans Union credit report states that I opened a XXXX XXXX XXXX credit card in 2013. I called XXXX XXXX XXXX and they do not have a record of my having a credit card with them. C/R is used to describe the issue on the credit report. I would like this removed from my credit report as I have not used a XXXX XXXX XXXX card for several decades.
rec in the mail offer 6.29 apr, if approved, was approve but came back 11.5 apr their adv is misleading