WillisBack/dataset-financial-user-claim huggingface dataset:
I had an XXXX System installed by an authorized Carrier installer that offered 36 Months zero percent financing through Wells Fargo. When I enrolled I was told that if I pay down my balance the monthly amount would change based on the balance and remainder of time. about my 3rd payment I payed down more that half my balance but the monthly charge stayed the same. I contacted Wells Fargo and they stated the they do not change the monthly payment. They stated this is NOT a credit card but my statement says the credit card. And they sent me an actual credit card. This is deceptive and wrong! 

I would like to get a copy of my recorded phone conversation and the inception of this account.
I have a relatively significant amount of bitcoin stored in a digital vault housed with Coinbase. They require approval from two email addresses that I setup to move the bitcoin out of the vault into my virtual wallet. I no longer have access to one of the two email addresses and therefore do not have access to my bitcoin. I emailed Bitcoin one month ago on XXXX XXXX requesting they help me. They responded and said my case required a specialist and it would be a priority for them to help me. Nothing has been resolved. Its a lot of money for me not to have access to for so long.
The XXXX XXXX - XXXX ...., Tradeline is Incomplete, and incorrect. 

XXXX XXXX - Account XXXX .... 
This account : 1. The Account was opened in 2007 2. Is missing its balance history for the duration of the time the account had been open 3. Is missing Payment Data for the duration of the time the account had been open 4. Has erroneous comments added - to this and almost all of my accounts. 
5. The terms - are monthly, and left at NA Please Verify this account, and its payment and balance history, or - delete the record because its incomplete and inaccurate.
XXXX sent a charge to a debt collections agency instead of contacting me directly. 

I attempted to pay my last XXXX bill after I rolled my phone number back to my parents ' family plan in XX/XX/XXXX. However, there was no charge listed on my account, which I checked online in late XX/XX/XXXX. However, T-Mobile still listed me as missing my last month 's worth of service and charged me, unbeknownst to me. They sent my account to a collections agency a few months later. 

XXXX never notified me of the charge. They said they sent it to my old address, which was my work address. My work forwarded all mail to me. XXXX said they called me. XXXX on the XXXX executive team said that XXXX had called me and left voicemails. I checked the date range where she said XXXX had called, and there were no voicemails from any XXXX numbers ( which XXXX said XXXX would have used to call me ). So there was no notice on my online account, no notice through phone calls, and no notice through written mail.
Suntrust Bank has consistently reordered my transactions to charge me multiple NSF Fees. These small transactions were not showing as pending but as posted as early as 2 days before the charges were added. I had XXXX check outstanding and this was somehow placed before the other transactions so NSF fees could be charged.
I opened an account with bank of america around XXXX 2014 for XXXX and i didnt have ny card yet so i had to go to the bank to take out cash so the 3rd time i went i was told that i couldnt take out any money and that i had to call and figure out why it took me 2 hrs to find out that they closed my account and they really couldnt tell me why ive recently learned that they are being suied and needed to file my claim as quickly as possible
Earlier this year I discovered that I was a victim of identity theft and was disappointed to find out that someone unknown to me had used my personal information to get credit card accounts, lease and apartment, get pg & e, phone line and also filed a bankruptcy all with my social security number. Since I was not aware of the accounts they all got charged off and eventually ended up in collections. I have been diligently working with the credit Bureaus to repair my credit ; up until now XXXX  and XXXX have deleted the erroneous items from my credit profile. I am still having trouble with Equifax ; I have submitted an FTC report a police report and have asked Equifax to show me where they receive their information for bankruptcies. Equifax told me they receive their information from two places, they said the court reports to them and that XXXX XXXX also reports to them. I have received letters from both entities and they do not report to the Bureaus ; therefore this is considered an inaccuracy on my credit report by the consumer reporting agency. Per the FCRA 611 the consumer reporting agency is required to furnish verification to the consumer as to how or where the consumer reporting agency receives their information. They will not tell me where they get their information and have not removed this inaccuracy from my file. I have written them several letters to no avail. I have sent them many certified letters with date stamps ; per the FCRA they have 30 days to reinvestigate and determine a resolution.
I have an unauthorized inquiry on my I have an unauthorized inquiry on my credit report I did not give permission for XXXX XXXX XXXX to run my credit report and trans union refuses to do anything about it They keep sending me cookie cutter answers, Trans Union has done nothing to investigate
Fusion Auto Finance is engaging in fraudulent business practices. XXXX XXXX works with Fusion Auto Finance to hold the title for leased and owned vehicles. I leased a vehicle in XXXX 2013, with XXXX XXXX referring me to Fusion Auto Finance. I am 2 months away from lease end, and a dealership wants to purchase my vehicle. The payoff amount ( to buy the car outright ) with loan company is {$17000.00}. Since Fusion is the holder of the title, they are arbitrarily and fraudulently raising the price to {$20000.00}, without any explanation as to why the price is being increased nearly {$3000.00}. Spoke with Fusion, who is based in both XXXX XXXX New York and in XXXX Texas. Their contact information for certain employees go to bad numbers. The New York Banking Authority has NO record of them. They are engaging in fraudulent activity and this must be corrected. The dealership could not buy out my vehicle because Fusion was charging nearly # XXXX over the loan price, without any explanation.
Complaint against Capital One XXXXXXXX XXXX XXXX XXXX, UT XXXXAccount XXXXCase # XXXXI am writing file a complaint against Capital One XXXX for recharging me for an item that I had bought on XXXX from an individual XXXX XXXX on XXXX. The item was not delivered on time and the item was not what I had ordered. I sent an email to the merchant through XXXX but I got no response. Because of this, I contacted Capital One and disputed the charges of XXXX. I also returned the item by USPS certified mail XXXX XXXX XXXX XXXX XXXX on XXXX. I sent in this information to Capital One on the form they had sent me on XXXX. Unfortunately, Capital One ignored this information and is rebilling my account. I would like Capital One to refund my money as I have returned the item and provided the information they had sent me in the form provided to me. Please see copies of the documents.
I am filling this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 XXXX 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
On or about XX/XX/XXXX I purchased a piece of land from my brother-in-law that ajoined my property. When my brother-in-law received a loan modification on his mortgage his lender made a mistake and included the land I purchased in his new mortgage. I have been in the process of refinancing my mortgage since XX/XX/XXXX. My brother-in-laws lender has not granted the necessary release so that I may move forward on my refinance. This delay has already cost me an additional {$610.00} to extend my rate lock and I do not want to incur any additional expense through the fault of somebody else 's mistake. I will attach my email and contact information for my brother-in-laws lender Chase Mortgage.
For 3 months now I have disputed collections activity on the Equifax web site. Three times now I have recieved notification that my disputes have been resolved by email. There is a link included to check the status using the 10 digit number given when the dispute is submitted. For 3 months now I have tried to access the Equifax site and I get an error message that says my credit file can not be located. Each time I have had to call Equifax and end up getting someone in another country that I can barely understand. Each time I have had to ask for someone in the United States. When I finally get an Amercian on the phone, they tell me there is no reason for the error messages as they are asking me the same questions on the phone and it comes right up for them. THe Equifax web site wants me to sign up for one of their products and I will have access to my credit report and the results. I am not going to purchase anything to check on the status of my dispute. Both XXXX  and XXXX have removed the collections from my credit report because they were paid directly to the creditor as part of an injury lawsuit that I won. Equifax has not done anything to remove those items. It has been 3 months and I should not have to go through this additional stress they are putting on me. They need to get their web site fixed so people can get the results of disputes and see their credit report as XXXX XXXX XXXX do. I am tired of getting the run around with this company. They need to be fined or have their business license revoked. When asking when the web site will be fixed, the response is always we don't know and can not predict when it will be done. There is no excuse for a web site to continue to encounter these errors for 3 months or more.
I paid off a debt in XXXX 2009 to Midland Funding. I contacted them 20 days ago to get this cleared up. They had me pay for a debt ... not sure it was the same one, but I paid it. We then found out that the court house actually has a copy of the judgment being paid in 2009 but the release of judgment was never filed by Midland Funding nor its attorneys. Midland funding says this will take a minimum of 30 days to resolve. I am trying to get housing for my family and this is hindering us to do so. Midland funding says they will not speed up the process. This is not fair. This should have been completed in 2009. 

When I talk to them, they are unresponsive. I have read that the fair credit reporting act and that should protect me from this abuse. I am requesting Midland funding to expedite this request and reimburse us for the {$1300.00} paid XXXX/XXXX/2009. 

This being on my credit since 2009 has been detrimental to my family in not being able to obtain credit and housing. Please intervene and ask Midland Funding to expedite our request and not give the old standard line ... .it may take 30 days ( not longer than 90 ) To our family, this is not acceptable and we may lose the ability for housing if not completed within 15 days. I would appreciate your assistance.
I was a victim of identity theft and noticed a collection from CREDIT SERVICE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SERVICE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
My husband lost his job in XXXX 2013. I called RCS that night and explained the situation. They told me they could n't help me until I fell XXXX months behind. Unfortunately we did fall that far behind. I started the making home affordable paperwork. I handed all info into them and every week they state they are missing page XXXX of XXXX or they cant read the bottom of page XXXX. I keep faxing every week. I call them on Monday and fax what they need the next day. By Friday they tell me they need more papers. We met at mediation and their lawyer signed off saying they have all paperwork. XXXX weeks later I called to hear them ask for more documents. its been XXXX yrs plus and still nothing.
I want XXXX, Experian and XXXX XXXX to add my employer/employment information to my credit report. I want the following employer/employment added to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, XXXX, Position : XXXX  XXXX XXXX ( XXXX XXXX Salary : {$300000.00}
On XX/XX/2018 I transfer {$2900.00} through Western Union to the XXXX XXXX, from my bank account online. They withrawed the money from my bank and said the money was available. When my sister in law went to pick the money up they refused to give her the money. They did a change on their system on which my receiver last name appears as a middle name and middle name as last name. They stopped the transfer and they would not fix the problem or let me fixe it on my end. They cancelled my transfer and it's going to take 7 days for my money to be deposited back to my bank account. It's a very sad situation in which this company is playing with my hard earned money. I believe there are many customers with the same problem.
XXXX XXXX is attempting to collect an old tax debt, from the state of Louisiana. I had prior arrangements with the State of Louisiana, as I no longer live there. But, the state of louisiana sent the tax bill to a third party debt collection agency AKA performant recovery. Performant in return sent a letter threatening to LEVY my bank account. Only State and Federal tax people can do this, not a third party debt collection agency. They are attempting to bypass the law, and levy our account. I am on XXXX, therefore they can not levy this account. We are also on a low income, my hubby does n't make that much money and it would cause undue hardship. By law, they have to go to court first, then obtain a judgment. I had to go through this with Ohio state. 

I am disputing this debt, as it originally was only around {$1500.00} now it 's escalated to around {$4000.00} performant is not allowed to charge excessive amounts PER the law. I have filed complaints with the BBB, and the Ohio AG, as they are impersonating Government Tax officials. I have filed with BBB and ohio AG, and the FTC, this company refuses to respond. They can not levy my bank acount with out going through the court of law first.
I want to start off my stating that I have very much enjoyed Nelnet 's  assistance regarding my loan and have never had any issues until JXX/XX/2016, I did not receive word from Nelnet that my forbearance was to expire. I looked through my emails and found no correspondences. Which is unlike Nenlet because they have always contacted me with any concerns regarding my loan. 

It seems I have about 12 missed payments? These missed payments are around the time I had lost my cousin and my family fell on hard times. I was the main breadwinner considering my cousin and my dad whom is XXXX lived with me so there were so many changes going on within the family. When I saw the missed payments, I was so upset. I had never missed any payments. I mailed in a letter for deferment but it seems it never reached Nelnet. 

Ive recently acquired a decent paying job and will be actively paying off my loan debt. As you see, the last couple months I have been paying off the loans on time and I've even paid off an extra amount.
I did-not Authorize / Authorization the use of credit and/or view or pull credit report, IDENTITY THEFT VICTIM - XXXX   DATA BREACH!!!!!!!!!!!!!!!

Inquirer Name / Inquiry Date / Removal Date / Business Type / Contact Information XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX   NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX  BYMAILONLY XXXX XXXXXX/XX/XXXXXX/XX/XXXX Automobile Dealers, Used XXXX   XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX   XXXXXX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXXXX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX   BYMAILONLY XXXX   XX/XX/XXXXXX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX   BYMAILONLY XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX, NM XXXX   BYMAILONLY
I previously disputed this issue with Transunion and it was returned as showing verified as accurate but i know this is not true. I further stated numerous times that I have been a victim of identity theft and even attached previous statements before that should already be in my transunion file. 

Account # XXXX XXXX XXXX XXXX account opened XXXX/XXXX/XXXX - High Balance of XXXX. 
This account could not have been verified as accurate because it was paid through autodrafts each month and was never late. Transunion has failed to show how this was verified as accurate. This account should be deleted immediately from my file. 

XXXX Account # XXXX - This account has numerous data inaccuracies and should be deleted from my transunion report. The credit limit was XXXX and was never late as it was also autodrafted from account and account was further paid off in fullwell over two years ago. This account still reports as if there is a current limit and or high balance of XXXX dollars from XXXX to XXXX. This is not accurate and should be deleted. 

Inquiries : XXXX - I did NOT authorize this and it should be deleted XXXX XXXX - I did not authorize this inquiry and it should be deleted XXXX XXXX XXXX - I did NOT authorize this inquiry XXXX XXXX  I did NOT authorize this inquiry XXXX - I did NOT authorize this inquiry XXXX XXXX - I did NOT authorize this inquiry
On XX/XX/2018 I sent a certified validation letter to Wells Fargo Bank as well as Dealer funding/Innovate loan asking them to verify the account that their company is claiming to be charged off. It was verified as received through the postal service as received on XX/XX/2018. Per the fair credit reporting act and the fair Debt Collection Practices act they are required to provide written proof bearing my signature. They are reporting incorrectly and I am requesting that they fix this. Also Another letter was sent out certified asking them to validate charge off accounts on the XXXX of XXXX, 2018 and was verified as received on XX/XX/2018 as well. My next step will be taking them to court because are in direct violation of the Fair Debt Collections Act as well as the Fair Credit Reporting Act.
In XXXX Capital One Bank informed me that they were no longer awarding mileage on their checking or savings accounts and I could transfer any exisitng mileage awards to my credit card. I subsequently transfered my balance of approximately XXXX miles to the credit card.I was credit with interest income by Capital One Bank in the amount of {$1100.00} for which I have to pay income tax on yet when I checked the cash value of miles on the Capital One credit Card, it was only {$860.00}. I should have a like amount of value on both accounts.Either the dollar value of rthe transfer ( interest incom ) on the bank account should b reduced or the dollar value on the credit side be increased.
There are 2 collection accounts for Mariners on my credit report these items have been paid in full and did not go.into collections. The balance even shows " XXXX '' I have disputed these items several times with w/XXXX and they have declined to have them removed. They should confirm thisningotmation with Mariner Finance as they show paid as well and in fact I have a new loan with them for {$3000.00}. 

These negative items need to be removed
Trans Union is ignoring my numerous requests to investigate and remove accounts from my credit file that were opened fraudulently opened.
Received a letter from credit reporting agency that there was a change in my credit file. Do not know this company or why they appear on my credit report.
I want to file a complaint against GC Services Limited Partnership, XXXX XXXX, XXXX, Tx. XXXX. For the past 6 years I have been attempting to arrange repatment of defaulted student loans. The company has harassed myself and my family members even though I have reached out on a regular basis to resolve my debt. My parents wound up paying them {$13000.00} to resolve all my debt and they took it and said it only applied to one loan and that I still owe 35000+ in debt. They have threatened to take 15 % of my pay even though I pay XXXX monthly directly to the Dept of Education. Over the years I have contacted the dept of education directly to complain and request that my loans be transferred to another company, and was informed this could not be done. I feel depressed when I hear that there is no resolution to get my loan out of default status no matter what I pay. They told me I could pay them directly the XXXX  dollars instead of paying the dept of education directly and I should have known there was a catch. Now they are sending me letters telling me I have to sign away my rights to fight any current or future garnishments in order to maintain my curreny agreement. This company has countless complaints online and has also been sued by the FTC. They are not providing fair services and make people feel completely worthless and hopeless. I want my loan transferred to a new company and I want my loan pulled out of default status so I can continue to pay monthly without future harassment.
They will not stop calling me and harassing me over an account which is not mine. They call me from different numbers.
I have tried for at least 6 months to get items that are incorrect and or not mine removed and Experian/XXXX seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.