WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I initially reported that I did not make a purchase on a Macys ' card with account number ending XXXX. I told them that I had paid my account in full I was told that I had to complete and submit a Statement of Fraud which they had to USPS mail to me as they do n't have it electronically. They told me once they received that the account would be flagged for fraud and I would not longer receive phone calls ( I was receiving phone calls several times a day asking for payment ). I waited a week and called back again and told them I had not received the Statement of Fraud. She said she would mail it again. I waited another week and finally received it. At that time, I completed the Statement of Fraud and mailed it that same day. I have called several times to check on the status of this and each time they tell me a fraud investigation has been opened. I called again on XXXX/XXXX/2016 and spoke with XXXX and he said it had been resolved and it would be escalated so we can get it off of my credit report as soon as possible. He told me I should receive a letter from Macys ' in 7-10 business days. I asked if he could email it and he said no, they only used USPS. He then said it would take 30 days for the credit bureaus to update my credit report. I also just received a bill for the aforementioned account number and the balance is now almost {$200.00} ( I believe the original amount was {$57.00} ). I also received a letter from Macys ' saying effective immediately my credit balance has been lowered to from {$600.00} to {$200.00}. My credit limit on MY card ( which is a different account number ending in XXXX and has a balance of {$0.00} is {$1400.00}. It is now XX/XX/XXXX and I have yet to receive a letter from Macy 's and it is still showing on my credit report. Thank you in advance.
There is an address and a XXXX XXXX on my Experian Credit Report that are not mine. XXXX XXXX XXXX, XXXX, XXXX XXXX is the address of my second wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX, She is remarried again, new last name unknown. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, I believe to be the address of my first wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX. 

The female I spoke with a Experian at XXXX at XXXX XXXX, XXXX XXXX XXXX, said the address was on a notice sent to them by a bill collector. The bill occurred during our divorce and was incurred by my second wife without my knowledge. My point to the Experian representative was that I have never lived at, vacationed at, leased, purchased property at nor used as an accommodation address this location. These facts being true, how can it be listed as XXXX my addresses? The situation of the XXXX. XXXX is exactly the same. Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXXXXXX
XXXX Bank is reporting inaccurate information on my credit report. I requested information from them via US postal mail, citing FCRA statue 623 on XXXX XXXX, 2016 ( Letter attached ) They have ignored my request & continue to report accounts negatively on my Equifax and XXXX reports. The credit reporting agencies say it 's my responsibility to provide them with all the proper documents but I know it 's the data furnisher 's responsibility to provide all the proper documents when requested by the consumer. I would like this information removed from my report immediately. I 'm including the correspondence I 've sent to the Equifax as well to get them to remove and they 've merely passed the buck to XXXX.
Some of my personal information is incorrect and needs to be corrected. I was a victim of fraud and still living the nightmare.
Bayview keeps sending people to my home asking me to contact them. I have already been in contact with them several times. I had to pay two payments this month because my XX/XX/2018 payment was returned un paid from my bank. I made two payments two come out two different dates one for XX/XX/2018 for the XX/XX/2018 payment. And for the recent payment of XX/XX/2018 was made for XX/XX/2018. I currently have the XX/XX/2018 payment to come out on XX/XX/2018. It hasn't yet cleared my checking account for the XX/XX/2018. This is harassment bayview sending someone to my home all the time. Which i am current with my payments. If it makes them mad making complaints well it makes me mad them trying to harass me and lying with them saying they haven't talked to me. And how they go out of the way to send someone to my home and leave a note.
On   XX/XX/16     I logged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the   XXXX   of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my  credit score on  all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.
I updated my Coinbase App on iphone on XX/XX/XXXX. The updated Coinbase app was requesting me to re-login. I received SMS verify code from them and it just didnt work on the app. After several times of trying, my Coinbase account was temporarily disable. I followed the steps from Coinbase.com and submit a support request through email. No one respond. From the morning of XX/XX/XXXX to today, I called Coinbase customers support line four times and waited 40 mins on average. The call was disconnected 4 times. They sent me follow up emails that provide same information I can find online ( not actual help ). They have no idea, or no plan on how to solved the problem. No one from Coinbase has ever contact me beside the email that tells me to wait. 

It has been 5 days. The market changes every second. Their irresponsible customer support could result really thousands of customer a desperate financial situation. Please help me.
Equifax has reported a judgment for {$870.00} that was not even mine, and this matter was resolved a year ago, and it still shows. They are unreasonable, and when I called they just said to dispute again ... this is keeping me from getting a new car because I was in a car accident and need a vehicle. I 'm hoping this will help so I can move on.
On XX/XX/XXXX, I learned that my ex-wife has a Navy Federal Credit account and car loan. I called Navy Federal several days to figure out how she had an account, because in order to have an account, you have to have a sponsor in the Military with their social security card number, account number, rank, and full name. During the phone call with Navy Federal, the first person told me that my ex-wife opened the account in XX/XX/XXXX. Please note, the ex and I were legally separated XX/XX/XXXX. The second person I talked to, after an hour on the phone, took me off as the ex 's sponsor, but declared that the ex using my information " was not fraud. '' XX/XX/XXXX, Navy Federal responded with a very blanket response stating it was " Not fraud '' once again. They did not respond with how my Ex opened the account using me as a sponsor, what information she gave them, or what they plan to do to fix this problem.
Tried on several times to get my service sailor act rights. I was told to defer them I was not eligible for. I was told I must defer them and change to higher percentage rate. This also made more charges on my account. This has made my account increase and not helping me at all.
Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from Midland credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on XXXX XXXX. The lawyer representing them is XXXX XXXX XXXX. I brought a copy of my agreement obtained from XXXX He immediately questioned the validity of of that agreement because it was dated XX/XX/XXXX. I went home and printed yet another agreement from XX/XX/XXXX, both having the same arbitration clause. He is now asking for summary judgment and I have a new court date of XX/XX/XXXX. He is also claiming his client may be in TILA violation and submitted the wrong agreement on cfpb.
I checked my credit report and noticed tow accounts from Harvard Collections for {$740.00} and {$290.00}. Not sure where these debts originated from but wiling to settle to pay to delete both accounts.
FIRST PROGRESS SECURED CARD DOES NOT ANSWER PHONE OR RESPOSE FROM MAILING MY COMPLAINT THEY STATE THEY WILL REPORT TO ALL CREDIT BURUES THEY HAVE NOT DONE SO AS STATED ALWAYS WRONG INFO THAT HAS HURT MY SCORE NOW I HAVE A LETTER THAT SAYS I HAVE BALANCE OF XXXX AND A CREDIT LIMIT OF XXXX BUT WHEN I PULL UP MY ACCOUNT IT SAYS I AM NEGATIVE MONEY NO AVAILABLE CREDIT
I disputed the alleged debt with XXXX XXXX XXXX on my credit report with Transunion on the following dates : XX/XX/XXXX2017 ; XX/XX/XXXX2017 ; XXXX XXXX, 2017. Each time, I requested that under the Fair Credit Reporting Act, 14 U.S. Code 1681g, Transunion or XXXX XXXX XXXX disclose to me all of the documentation that retained in the file at the time of my request concerning the account listed don my credit report. Several months have gone by and XXXX XXXX continues to report inaccurate information on my credit report without sending proper documentation that the account is in fact my debt. This is a direct violation of section 609 and 611 of the FCRA. In addition, Transunion has failed to protect me as a consumer and has not followed the proper guidelines to verify debt on my credit report. My last letter specifically addressed to XXXX XXXX, requested full validation of the debt, and I was not provided information pursuant to my request. This account must be removed from my report.
XX/XX/XXXX XXXX XXXX Hospital, XXXX XXXX XXXX XXXX XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of Alliance Collection Agency. I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home. I have had XXXX XXXX since XX/XX/XXXX. Some how XXXX, XXXX XXXX Hospital deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled on XX/XX/XXXX. I have also spoke with the Alliance Collection Agency and it seems as though the matter is getting worse. There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved. However I am filing complaint one at a time, this one being the largest and most difficult. I hope I have included all that is needed for this matter to receive your attention. Please Help.
Coinbase. XX/XX/XXXX to XX/XX/XXXX. Withdrew Euros XXXX in line with the instructions of the organisation. Money has still not arrived in linked account and all linked account details are correct. It is now 3 weeks after the request and process and confirmation receipt that it has been completed. Withdrawal reference : XXXX
Fraud scams using radio station show using XXXX and XXXX   Fraud scams using XXXX XXXX Fraud scams using XXXX XXXX XXXX XXXX workers using XXXX and cooking class XXXX XXXX XXXX. Federal not authorized and federal not authorized. They frauded my grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Frauding scams using colleges lectures in XXXX frauding my grandma Fraud scams using my documents in XXXX XXXX XXXX XXXX Illinois frauding scams using XXXX XXXX scams using XXXX XXXX XXXX XXXX XXXX in XXXX Illinois Federal not interested in the state of Illinois and federally refused to marry into Illinois State family Illinoise states also pulled XXXX business permits scams Frauding scams using XXXX XXXX Frauding scams using using XXXX advertising using my documents in XXXX Illinois frauding scams scams using using media scripts and media groups federal not authorized Fraud scams using XXXX University students frauding my documents and text books and text books credit Frauding scams using American XXXX colleges students Frauding scams using XXXX XXXX and XXXX and XXXX scams Fraud scams using XXXX XXXX in Florida Frauding scams using professor XXXX using XXXX pages frauding scams frauding my documents Frauding scams using colleges leacture using my documents, federal not interested
TransUnion did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : XXXX XXXX XXXX Also, all XXXX accounts have the " SAME NUMBER '' Please Remove ASAP
XXXX is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to Firstsource Advantage LLC. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. XXXX seems to ignore that information and is switching to another debt collection agency.
I can not get my payment low enough to be realistic no matter what type of repayment plan i select. I make just about XXXX a year and when I choose income driven plan they are expecting me to pay ~XXXX a month. This doesnt factor in my other types of loans. After taxes i take home about XXXX a month .. XXXX goes to rent. XXXX to car payment. XXXX to car insurance. Then I have to add in healthcare cost, utilities and just simply being able to FEED myself Ive bene struggling with these loans since I first graduated and no matter what I do they come back with some outrageous number they want me to pay a month that I simply can not afford. Their response to this is to suggest deferment .. which only ends up increasing the loan balance. They 've already wreaked havok on my credit score. I just really do not know what to do.
In reference to fraud to account corresponding to CFPB Case XXXX. 

I have presented TD Bank with disclosure of concerns pertaining the fraudulent use of my account and identity theft. TD Bank has noted that the fraud claims presented under REG E claim XXXX and REG E XXXX have been resolved statinng appropriate action has been taken to resolve the matter and mitigate the losses of monies. To this date the remaining REG E claim has not been address appropriately corresponding to the same recurrence of fraud and identity thief for a debit card that was issue to a third party without my authorization. Further, I have requested the account to be close and will not be making business with TD Bank in demonstration of my disagreement with the poor practices of XXXX XXXX, Assistant Vice President, NMLS ID # XXXX who handed me a check with the balance corresponding to the credits to the account as resolution of fraud without even an acknowledgement of the consequences that this has had on me and my business. 

I have visited TD Bank located in XXXX XXXX and the teller XXXX XXXX has said that she would reach the corresponding department for appropriate action. I was hoping to meet with a customer relationship specialist, but XXXX XXXX thought that she would resolve my concerns from the teller window, which she failed to do. I certainly expect that regard be employed towards what this process has been and how I have been prevented from a proper resolution. In relation to the response to the previous CFPB complaint, I am not in understanding that the final REG E claim has not been handled with propriety to this date and expect appropriate action.
This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX 's. This is not possible because XXXX XXXX XXXX went out of business back in 2007. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX 's as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX 's was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX 's had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX XXXX XXXX did not exists after 2007. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXXXXXX, 2014 is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, 2014, which was recorded in XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.
This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the law firm I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
I am a HUD approved housing counseling and have been working with XXXX XXXX to assist with her mortgage situation. I have faxed a third party authorization to M & T Bank XXXX times first on XXXX/XXXX/15 have confirmation sheet it was received and they I call to speak to someone regarding the file and was told they did not show authorization on file. I faxed the authorization a second time on XXXX/XXXX/15 again go a confirmation it was received but they are stating they do not have authorization on file. This has happened to me on other file I have been working with M & T Bank so they seem to have a pattern of not getting authorization even though we have verification they received.
For the last few months I have used money gram to send money to my fianc who is attending school in a small town that does not have our credit union. However today when I sent him {$1200.00} for a deposit on a house moneygram classified our transaction as a scam. Even though I answered all of the questions and even told them they could call the real estate agent to verify. They said my partner of 11 years was potentially scamming me therefore they could not reslease the funds to him. Then for the icing on the cake they informed me that they would not refund my money for 3-10 days. Holding my money and no doubt gaining interest for 3-10 days. Not sure about the rest of you but {$1200.00} is a big deal in our family of 5. Needless to say no amount of logical explanation was taken into account. So advice to anyone thinking about using this system dont.
I received a balance transfer offer in the mail from Bank of America offering 0 % thru 2016 if I transferred an existing balance to a card that I had with them that carried a {$0.00} balance and a credit line of {$7800.00}. The day after the transfer was made, Bank of America lowered the credit line to the account to {$5800.00} which in turn caused the account to go from a {$0.00} balance to {$2000.00} over the credit limit. I was then told that the reason for decreasing my balance was due to what appeared on my credit score. I 'm now in a situation where my credit report will now show that I 'm over my balance on the account as a result.
I am the cosigner on this loan. Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. Borrower contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on borrower 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured the borrower that the payment would be properly applied. During borrower 's most recent call the original representative would not transfer him to a supervisor. After being transferred to another representative and waiting, borrower was finally transferred to a supervisor. The supervisor informed borrower that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both the borrower 's and my credit report and score.