WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, 2017, I mmade the following transaction : +XXXX LTC @ {$250.00} per LTC Reference code XXXX Payment Method XXXX - Interest Checking XXXX Fee {$4.00} Subtotal {$330.00} Total {$330.00} It was for the pruchase of Litecoins at a total price of {$330.00}. My XXXX checking account was charged {$330.00} two times. I am attaching a copy of my statement for your convenience. I filed a dispute with my bank. Upon resoltuion of the dispute, Coinbase, disbale my ability to trade in my account. I started a case # XXXX and have made 4 phone calls with zero resolution. Furthermore, Coinbase FROZE my account in a highly volatile market. They have restricted my ability to Buy/sell/withdraw my current assets which include XXXX Litcoins and XXXX ethereoms. It is unconscionable to freeze an account and restrict a customer 's right to sell his assets. XXXX firms who work with XXXX face simlar circumatances all the time. They will restrict buys, but NEVER sells. This was a bank error caused by coinbase. As of the time of this writing, the value of my coins is down approximately {$1500.00} due to this account freezing. I attempted to sell the coins yesterday at a profit of about {$1000.00}.
I 've been applying and submitting some documents to Bank of America loan modification department since XX/XX/XXXX. They have been losing my documents and/or just giving me a run around. It 's a XXXX loan Heloc with balloon payment program. They have been assuring me that they 're working on getting me a loan modification while at the same time, they are also working on foreclosing us since they have filed a notice of default in XX/XX/XXXX.
I have hard inquiries for a car in late XX/XX/2014 I should not have any inquiries concerning a car in late XX/XX/2014. I purchased a car in XX/XX/2014. I am not sure where they came from and previously sent to Equifax XXXX to have those hard inquiries removed with no success.
Date of service XXXX15, amount {$1900.00}, original creditor XXXX XXXX XXXX. I was not in town during the date of services rendered, have proof of this.

Have called multiple times to clear as this is not me, date of birth does not match, home address incorrect on hospital files. have disputed this at least 4 times with credit agencies. Each time I am assured that this will be resolved and hasnt been. Placed a hold on credit to help in future and fear identity thief.

In the process of closing on home and this will affect it. have explained this to both creditor and hospital. appears that insurance is associating with me on their files.
I have a fairly common name, XXXX XXXX. Portfolio Recovery is calling my house multiple times a day. I 've talked to them XXXX times yet they persist in calling me. At the time of this writing, the only debt I owe is the mortgage on our house, a car payment, and a couple grand on our XXXX that we will pay off this month. This company is relentless and I do n't even owe anything! I can see how the XXXX, the XXXX, or folks who do owe a debt but ca n't pay it would be hounded by this company.
We have been having problems with select from the very beginning. We tried to do a modification, we made every payment on time. We never received the final paperwork to complete the modification. We later tried again and the same thing happened that time as well. We want to stay in our home but we want to do a modification. We continue to make payments every month and they send them back every month.
I have a credit inquiry on my credit report that I did not authorize from SANTANDER CONSUMER USA dated XX/XX/2017.
Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX. recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( Equifax ) - Letter by XXXX XXXX XXXX dated X/XX/2016
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Experian is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.
In XX/XX/XXXX I became aware of possible compromises to my credit report. I ran the usual inquiries to the 3 agencies. 2 of which i encountered problems accessing my free credit report due to false info existing on them. I had to fax in personal information to both agencies to receive my free report via US mail. One company has followed through, and i was able to access my report. Equifax however has failed  to comply. I faxed all information requested on XX/XX/XXXX to phone number XXXX. I still have not received anything by mail. I try to access my report online, and none of the wrong information has been corrected so I am still unable to do so. Today, XX/XX/XXXX, I attempted to call again, and i was told the systems are being updated, and to call back later. This is what they tell me every time I call or after over 2 hours of waiting I simply give up because I have other things I have to do.I travel year round so finding the time to get these issues fixed is a monumental task.
XXXX stated that they represented Nidland Funding claiming I owed money on payday loans. The representative researched the information asked me if I had any outstanding loans, to which I denied. They gave me an invalid email address that was stated as to belonging to me. The representative stated that she was going to contact my job and human resource department in order to serve me papers and to collect the debt. I asked her why not use my address. She stated that my home us private, my job is public and they can go on the premises and basically hung up in my face. First of all, I have not been contacted by this entity before as they stated on my voicemail ( which us saved ), claiming to have made several attempts. Once the representative research the information, I realized that most of the information was outdated, or no longer exist, and she was attelting to retrieve information from me that they did, not have. This company is trying to scam people out of money and it seem to me like they want to use my job as an embarrassment tactic to try and get money for a debt that I do n't owe. I have researched this company and have read numerous complaints and reviews and I did see where the company served papers to client 's residence. Midland Funding is very dishonest and fails to adhere to the laws concerning debt collection.
I sent my online payment from my bank XXXX/XXXX/2016 to my USBank Business Credit Card. The payment was due on XXXX/XXXX/2016 - a Sunday. USBank says they received the payment on XXXX/XXXX/2016. They card is continuously paid off each month so there should be no interest. They charged me {$39.00} late payment fee and $ XXXX interest. The payment should not have taken two weeks to get there. This is the second time they have said it was late when it was mailed in at least two weeks prior, just a couple of days after the bill is received.
My XX/XX/2018 billing period reduced 5 % cash back eligible charges to 1 % because American Express changed the annual tracking period from end of statement date to anniversary of card initiation. However, American Express refused to credit the additional 1 % charges to my required {$6500.00} minimum annual purchase hurdle, thus cheating me out of earned 5 % cash back charges. 

After explaining the problem on XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18 to various American Express customer service employees, I was told that my complaint was accurate but that American Express was not going to credit me the money owed to me.
The company has never sent a communication or called informing me of the debt so I was not given the right to request information related to the debt I was said to owe. When I found this information on my credit report I contacted them and was told they no longer had the account ( although they are reporting it ) but a sister company has it, I then called the next company to be told they did not have it either, and the last company that claims to owe the debt will not provide me a fax number nor address to send a formal request for verification. This account was not opened by me and needs to be removed yet they continue to verify it belongs to me. I have asked all XXXX companies for a statement by mail or something showing that I have the right to dispute the debt. They have all refused. I have mailed dispute/validation requests to XXXX of the companies that I have been able to obtain the mailing address for. If the XXXX and XXXX company claim to longer own the account and have made no effort to collect on the debt, the information must be reomoved from my credit report or give me the formal notice of collection attempts.
I want this company to Cease any communication and NEVER contact me again. I'm XXXX with other health issues so i don't need any of their UnNecssary XXXX  or XXXX  i've endured on my health including having an XXXX XXXX. It should be against the Law for any debt collection company or any company to call use scare tactics, threats, and abuse a XXXX person over the phone for an account from 20 years ago then when you tell them you filed Bankruptcy they become vulgar and nake threats the way these people talk the way they did to me and i had every right to defend myself and i was provoked in saying the things i did. On XXXX i received a call from XXXX XXXX. The first person i spoke to said he was calling about a credit card debt for XXXX XXXX who isn't in business anymore. I told him i filed Bankruptcy a year ago he then told me i was Lying and i don't pay my bills and i didn't include them in my Bankruptcy. I told him to give me their information yet he refused. I then asked for a supervisor who was even worse and he wouldn't give ne his name or their address and he in fact told me i was Lying about the Bankruptcy and i told him i never even heard of their company then he became very Vulgar telling me i'm Lying about getting their letters and i know i got them so i need to tell the Truth. Then this so called supervisor told me i don't pay my bills and i informed him the debt he is calling about is way past the Statue Of Limitations from 20 years ago and i need to pay my bills. He wouldn't give me his name or their address then he continued to make vulgar comments telling me i'm Lying and i know i got their notices he even claimed i never included them in my Bankruptcy and i informed him their company have never been on my credit reports he then tells me if you paid your bills you wouldn't have filed Bankruptcy. The third XXXX i spoke to was very rude as well and he refused to give me his name or their address. He told me when i get home call and give me my Bankruptcy file number and told me if i filed i would know the case number and i told him if they were a Legitimate debt collection agency they would know they can't just talk to people any kind of way or make threats to you or about your credit report and any company like XXXX XXXX need to be shut down. I also would like to know how i can take Legal Action against them.
I opened Amex Delta Gold credit card with XXXX plus XXXX $ of promotion offer in XXXX, XXXX. I have met the spending requirement in XXXX and contacted the Amex many times saying the offer will be posted in my account. But it has been 5 months and nothing happened.
Fith Third Bank has reported an amount that is not mine they are unauthorized charges They marked it PAID in the amount of {$1100.00} but the usage still shows 395 % Please remove the usage to 0 % Because if it is paid it should be at a 0 % if this is not removed or corrected i will exercise my rights to the Ohio Attorney General! I have Identity theft on my credit report i am giving you permission to call me to open my report to prove that i have identity theft for the next 6 years. I should no have to go through thousands of disputes and still not have something removed if this isn't removed i will take this to the next level and have the attorney general make this go news media! Please Remove ALL accounts from my credit report so i do not have to take this to legal action.
Dear Trans Union, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).
I have paid my mortgage down to 78 % and they will not drop my PMI without me paying XXXX for an appraisal. I was told if I paid down 20 % XXXX my PMI would be dropped no one mentioned an appraisal or me having to pay for it. Now they tell me no I have to pay until 2021 before my PMI is dropped. I have over paid each month over 350.00 to get this down. Now I am at 78 % XXXX so I want my PMI dropped. This could be monies used to pay down my house even faster. Bmo Harris said if I paid XXXX for an appraisal they will drop my PMI, why am I being punished for paying sooner. I do n't think this is fair. I was also told if I refinanced at the tune of XXXX they could drop my PMI. They have never said anything about if the appraisal does n't come back with enough value. I am not worried but that should be told to me as I could pay for an appraisal and still have to pay PMI. I feel this is shady.
All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX  XXXX XXXX  TU : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Inquiry I do not recognize XXXX made it on XX/XX/2016 I dont know for what could u please help. Thank you!
Transunion is not giving Giving me any Response from XXXX XXXX about why are they reporting after more than 2 years, They allow to poison my credit sending every month the account is off charge, is Poison my Credit, this is a illegal action from XXXX paying Transunion to Damage my Credit Report, Off Charge is one time action not a recurring action by the Fair Credit Reporting Act. I need them to Stop Poison my Credit for this Action.
My mortgage company ( greentree services ) has been ripping us off. We bought our home in XX/XX/1999 at {$55000.00} with a 6.5 interest rate and 30yrs. They say we still owe {$44000.00}. When we looked at our account on their website it clearly shows they are charging us a 10 % finance charge. Our monthly mortgage is {$560.00}. {$310.00} go to interest fee and {$110.00} go towards our payment. Now I 'm not the smartest person but I do know that this is not right. What can we do because after living in the home for 15+ years they 're saying we still owe {$44000.00}. Please help us
Th e Educational Credit Management Co. ( ECMC ) is ha rassing me to pay a debt for a closed school I neither attended nor signed a loan agreement to attend and denied my request for a loan discharge in  accordance with procedures specified in paragraph ( d ) ( 6 ) ( i ) of 34 CFR 682.402 section A : ( d ) Closed School ( 6 ) Guaranty Agency Responsibilities  ( i ) Procedures applicable if a school closed on or after  XXXX   XXXX ,  XXXX , but prior to  XXXX   XXXX ,  XXXX .     ( A ) If a borrower received a loan for attendance at a school with a closure date on or after  XXXX   XXXX ,  XXXX , but prior to  XXXX   XXXX ,  XXXX , the loan  may be discharged i n accordance with the procedures specified in  paragraph ( d ) ( 6 ) ( i )  of this section.     ECMC confiscated my  XXXX  tax refund without a MPN on file and is aware the  XXXX   XXXX   XXXX   XXXX  has closed for recruiting violations in  XXXX  but is still attempting to collect my  XXXX  refund.
I don't believe what I selected describes my problem, but I thought it was the closest. Any how I submitted a complaint with Cfpb regarding credit report with Experian that on the report were accounts not mine. Complaint # XXXX. The one was deleted XXXX XXXX XXXX and the other was not XXXX XXXX. You gave me a new report showing that XXXX XXXX XXXX was not on the report, but XXXX XXXX was still on. You also on the first page of this report list : XXXX XXXX XXXX IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER, THE CREDIT GRANTOR REQUEST THAT YOU CONTACT THEM DIRECTLY- OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT. 

I want the above statement removed from my report. It is a stupid thing to state about XXXX   XXXX. You know that I called them repeatedly at different locations and numbers to tell them that it is not my account. They even verified that it is not mine. So. I want this whole statement removed along with the account XXXX XXXX. 


On page four at the top of new report. I want this statement removed, because I did not give it to you. Never gave this statement, so I don't know where you came up with this. Want this removed : " ID SECURITY ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME ( This absolutely does not make sense ) OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINING XX/XX/XXXX.
A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. Rise should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in 2017. Please remove this entire fraudulent account off of my credit report.
Bank of America lied to me to foreclose on my home told me they wouldnt foreclose I have a document with phone numbers and dates of everyone I spoke with who said they would not foreclose the very next day they foreclosed anyway even though I was in bankruptcy
I demanded the following account be removed from my credit report : XXXX/XXXX XXXX XXXX account # XXXX
I have been challenging the XXXX XXXX XXXX account listed on my report for one year now. Finally, XXXX   XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.
Yesterday XX/XX/2018 I contacted Transunion after receiving my credit report. It currently shows for XXXX during XX/XX/2018 I was over 30days past due on a vehicle that was in XXXX possession due to a mechanical trade in. A mechanical trade in that I still paid the car note on! I spoke to a " supervisor '' at Transunion by the name of XXXX or XXXX, a very rude, narcissistic person that does not appreciate her job by the way. She preceeded to tell me that I have to speak to a special handling department with the finance company to get my issue resolved. I asked what time were they opened she told me they close at XXXX EST. I told her there is no way for me to contact them during hours of operation. She told me she could request for them to call me no matter how many times i told her this will not work because I work and I requested for her to handle this issue through an internal request. She decided to ignore me and here I am still waiting to get this issue resolved!!!
I received a loan for XXXX from mypaydayloan.com. I needed to change my banking info but I 've been unable to log in to see any of my information and also they do not give you access to view your loan contract or payment history. Because of this and not being able to contact them by phone the loan has now defaulted. Immediately following the default they began to send me harassing emails stating that I would never be able to get a bank account or write checks at XXXX and XXXX. I contacted the XXXX to file a complaint because they are also not licensed in the state of Nevada. The XXXX could not assist me because they could not find a valid street address. I called mypaydayloan.com and asked for their mailing address. The gentleman I spoke I said they were located in XXXX XXXX and he seemed a little unsure of the address he was giving me and had to correct himself several times. I 've never experienced this with a creditable business. I believe they are preying on people by barring you from seeing your loan contract and at this point they wo n't even let me log in to their website at all and I 'm still being harassed.
The account from XXXX XXXX XXXX was removed from my report. I just looked at it, and it 's back on there!!!!! I WANT IT OFF LIKE IT WAS AND TO STAY OFF!!!!!! I am NOT paying for a Credit Card that was n't mine!!!!! I 'm an ID Theft Victim!!!!! The account in question was under my maiden name!