WillisBack/dataset-financial-user-claim huggingface dataset:
Re : XXXX XXXX XXXX apparent amount of XXXX re : account # XXXX ( from XXXX   credit report as obtained on XX/XX/XXXX Credit reporting Agencies : experian and XXXX Date Credit reports Ran XX/XX/XXXX ( experian ) andXX/XX/XXXX Called XXXX XXXX XXXX, no information given other than the account not belonging to me.

The {$15000.00} from XX/XX/XXXX does not belong to me ( new and just starting to build credit ). XX/XX/XXXX thru inaccurate reporting to experian and XXXX caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX   was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.
Date : XX/XX/2017 Transaction Amount : {$95.00} Dispute Amount : {$95.00} Transaction ID : XXXX Dispute Case ID : XXXX {$95.00} was supposed to have been credited to my PayPal account because the merchandise stop working within 60 days and probably was not a brand new item. According to PayPal policy ten ( 10 ) days were given and the seller has not responded. In fact seller sent email requesting that I do not ever contact him again and that he would not contact PayPal either.

Thus, today the refund of {$95.00} should be placed back on my PayPal Credit account.

PayPal has a tendency to fail to refund consumers money and make the consumers wait much longer than originally told. 

Many products sold on XXXXPayPal or fakes and do not live up to expectation. 

This company needs to be investigated.
Equifax XXXX XXXX XXXX XXXX, GA XXXX Date XX/XX/18 RE : Account : XXXX XXXX XXXX  # XXXX  To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
I was in the intensive care unit when the hospital brought in a XXXX for XXXX, I was diagnosed with XXXX. I had XXXX and XXXX for hospital coverage at the time. Why should I be penalized for this debt because the doctor was not in the network?
I was contacted by Ability Recovery Service after this debt was recorded on my credit report in XX/XX/XXXX. I spoke with a representative inXX/XX/XXXX to inform them that I did not owe XXXX University anything. I ask for a debt validation and they sent me a statement from XXXX University that showed that I had a balance on my account. I asked for documentation that provided a detailed breakdown of what the amount was for and nothing new was sent. I reached out to XXXX University and they said that it was a student loan refund check sent to me but because I did n't finish the quarter I owed them that money back. I have never been informed before this year that I owed a balance. I withdrew from school because of a XXXX and as a result in XX/XX/XXXX all of my student loans were forgiven by the government. They say that I owe {$1800.00} because the money that I received in the amount of a refund is owed to them because I withdrew from school but that money was included in my forgiven loans. They never sent any student loan documentation in support of their claim
I am a XXXX resident at the University of XXXX  XXXX XXXX. On XXXX XXXX, XXXX I traveled to XXXX to visit my family for XXXX break. I tried accessing my coinbase account and they locked my account and sent me this email : Dear XXXX XXXX, Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ( XXXX XXXX of ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please visit https : //support.coinbase.com for assistance.provide us with a copy of a current, government-issued ID and proof of your current address, such as a utility bill or rental agreement. 

If, however, Coinbase concludes that you reside in a prohibited region or are violating applicable sanctions in any way, your account will be closed and Coinbase will take any other actions required by law. 

Additional information regarding account logins from prohibited regions is available here. 

Respectfully, The Coinbase Team I am deeply concerned that I will lose everything in my coinbase account, despite my repeated emails to coinbase with evidence to the contrary that I am not a resident of XXXX, ect. 

Despite my emails, I am afraid I would not get any response from coinbase support as they have replied to me with an automated response. I am horrified that they may seize my funds, I have already lost a lot of money. 

I provided coinbase support with photos of my driver license and my utility bill to my house in Maryland. I have contacted coinbase support on the day I was locked out and have sent several inquiry emails requesting a follow-up or a status update but still no clue or any sign of them. 

I visited XXXX to see my family and I dont really have any intent on going back. I visited coinbase.com just out of curiosity because of the the recent movement in BTC prices and I was immediately greeted by the above message. 

Please advise what to do and how should I proceed and if there is any way I can get my account reopened. 

Thank You
In XX/XX/XXXX of last year, XXXX XXXX changed credit card issuers. They changed to a company by the name of Elan Financial Services. When this change occurred I was instructed to sign up with Elan and also include my monthly auto pay feature which automatically pays my bill at the end of each month. I went online and followed the instructions. A month and half later I received a late notice that I had not paid my bill. At the same time, I received a credit report showing that my credit score had dropped from XXXX to XXXX and it was because of this supposed late payment. I called the credit card company and explained that I signed up for automatic pay, but that there website must have caused the error because I had no doubt that I signed up for auto pay. They agreed to reverse the interest and penalty charges, but they also reported to the credit agency. I called Fidelity and they said there was nothing they could do. To continue this saga, I went to XXXX in XX/XX/XXXX for 4 days. While there I tried to log onto my Fidelity account. A noticed showed on the screen that by govt regulation, I could not access my Fidelity account while in XXXX. After I returned to the XXXX, I found out that all of my accounts were frozen by Fidelity. And of course my credit card bills could not be paid on time because all of my funds were frozen. I called Fidelity and they immediately unlocked my account, but once again this hurt my credit rating and caused a lot of problems. I do n't know if freezing my account was an action taken independently by Fidelity or was mandated by the U.S govt., but I want Fidelity to intervene with the credit reporting agencies and allow me to get the good credit rating I used to have before the credit card company and Fidelity destroyed it.
The 3rd party first kept calling me without me every, every receiving a 30day notice from them, secondly I did n't recall the account, I kept asking them never received anything from then, I then verbal told them i disputed the debt. I then told them the account wasnt mines, that It probably was a fraudenunt account. I asked for them to send me proof of my signature I took out this account XX/XX/XXXX or XX/XX/XXXX they gave me different dates. They told me they would dispute it, found out they never did. I then looked up the company sent them a dispute letter. They then started sending me an old statement XX/XX/XXXX, i told them that a statement was not proof that this account was proof that i owed it, when this was more of a fraud account, they refused to send me any type of proof. they put on my credit and told me that that statement was proof that I owed it. I asked them not to call me, they kept calling me and kept sending me letters stating that my dispute was invalid and that they sent me a statement back from XX/XX/XXXX that I owed the account. I found out they purchase the account and refused to send me out the correct information not did they ever send me out the 30day letter. The dispute department manager told us that the proof was they sent me a statement and that was good enough I owed the bill and told me do whatever i wanted to do when i told her this was against the law and she hung up
The credit reporting agencies allowed a merchant to file a negative report against me without any valid evidence. I explained to the merchant that I have never lived in their apartment complex. After failing to convince them that I was not a residence and that I own a home, I ask for a lease contract with my signature and was send an itemize bill with my name typed into it.
Every month I pay my credit cards off before it 's time for the company to report to the credit agencies, and for the past three months my capital one credit card has not updated, which is drastically hurting my fico score.
I tried to get XXXX service, after they came to try and install nothing was working and we were told we needed someone to come out to do additional wiring. The day they were supposed to come nobody came so I called and was told someone would come the next week but they did n't show up either. Then I called back and was told I have to wait till the Spring for ground work or something. I called again and they finally got someone to come out. The technician came and said I can not have XXXX service because the signal was too weak in my condo unit. I was told either I have a new wire run ( more holes drilled into building ) or I use their legacy service. Well my landlord will not allow any more holes so I decided to stay with XXXX and not XXXX and closed my account. They told me my bill would be adjusted once I returned the boxes and remotes. I returned the equipment and was still billed for internet and cable TV service. I 've called 5 times to have the bill adjusted and I went IN PERSON to the XXXX office. I even got the name of an employee who said to follow up with him in email. He replied and said he was still trying and has not since returned ANY of my messages. The bill is in collections and the collection agency wo n't drop the bill unless XXXX tells them to. {$770.00} and it 's lowered my score quite a bit since it 's not very old. I need this removed ASAP what can I do?
Instead of settling my claim of 3 wrong charges and cleared the charges, Wells Fargo fraudulently created and more fraudulent charges of charges, even though we've stopped using their Visa since XX/XX/2016. There was certainly fraud created with computer maneuvering of printing tens and tens of pages of charges. I'm senior citizen and have respond to their 20-30 phone calls that three fraudulent charges should be cleared as they handled similar fraudulent charges in the past. For Wells Fargo the credit and improper trouble they imposed on us are rolling bigger and bigger like snow balls. Now each day different people called ; there has had being been ten people all claimed to be Wells Fargo authority. I am XXXX and in bad health to receive such persecution. Wells Fargo 's approach has been not reasoning but convincing me that I'm owing about thousand dollars. Bur my question is : For What particular Charges bane them ). Their 20+ pages computer print out confused the matter and looks  fraudulent.
I am a customer of M & T Bank for my home mortgage since they purchased my mortgage in XXXX. I have always paid my mortgage payment online through M & TBank 's online system. In XXXX XXXX, M & T Bank unlawfully locked me out of my account, in spite of my repeated entries of my valid username and password. I was unable to make my payment on time and was unable to receive any help from M & T Bank customer service to make my payment on time. Now, M & T Bank is insisting I pay a late fee, as well as a fee to pay with a representative, because their own online and phone automated systems did not work correctly.
The collection files are third party account that are from Fraudulent account. The account was removed for fraud in XXXX of 2014. I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.
A fraud account was opened with XXXX XXXX XXXX XXXX with a balance of XXXX.The fraud account was opened in XXXX, FL in XX/XX/XXXX . A fraud dispute was opened with XXXX XXXX and proper paperwork was provided. The original investigator assigned to case was XXXX, contact number XXXX ext XXXX regarding fraud account XXXX fraud account was resolved in my favor and it was reported to XXXX and Equifax. XXXX has removed the fraud but after several disputes with Equifax , they will not remove it. The first dispute letter was mailed to Equifax on XX/XX/XXXX. Since then it was mailed 2 more times, on XX/XX/XXXX and XX/XX/XXXX. The last attempt was not unsuccessful.
hello my name is XXXX XXXX and I want to file a complaint against Navient/XXXX they called me offering a program to defer my loans and they kept making me pay fees to get into this loan deferment program they were taking money out of my Bank account but never put me into the deferment program I also would like to file a complaint against the school which help me get the loan and it was called XXXX XXXX of design and technology which they are no longer operating anymore thank you
I have noticed that I have multiple hospital bill on my credit report when I started the process to buy a home after careful inspection I known that the bill are not mine. I have had this problem before where someone has been using my information at the XXXX and receiving services under my name. I have disputed them with all three credit agencies and Equifax is the only agencies that has not removed them. The other agencies stated that there was not valid proof that the bill belonged to me. I am not sure how to go about this, I called the XXXX and asked how they verify that the patients is really the patient that are receiving services and they stated that the person has to give a name and a DOB. This process needs to be changed I 'm sure I 'm not the only person that this has happened to and I do n't know how to get information so that I can prove that it was not me whom received the services. And why is it that these collectors could not validated information to the other XXXX credit agencies but they could validate the information to Equifax
On and about the month in XXXX, 2018, I noticed there was an unauthorized withdrawal made of {$1500.00} dollars from my checking account. I immediately visited a branch of Citibank and froze this account to prevent additional fund withdrawal and transferred my remaining funds into a new account to protect against this happening again. Several weeks later an internal investigation was initiated by me because the question of why this happened in the first place was not answered regarding this unauthorized withdrawal in XX/XX/XXXX. Instead, they identified that the arm of their management investment Co. associated with Citibank had withdrawn the funds and that this investigation was closed, without an explanation of why years later, about 11 years later, they are withdrawing money from my checking account that had nothing to do with investments I had opened and closed years earlier around XX/XX/XXXX/XX/XX/XXXX during those year 's recession period. A new investigation with a new investigation reference number was opened about two months ago and to date I have not gotten my money back, nor a reasonable, legal explanation from their own management investment arm that I had opened and then closed around XX/XX/XXXX/XX/XX/XXXX because of the recession. I closed these accounts back then and I believe they were ROTH and a stocks investments amounts.
I was looking to buy a used XXXX XXXX '' XXXX. A typical price on craigslist was $ XXXX {$1200.00}, but I found one that was priced at {$800.00}. It was showed to be in a old and affluent of XXXX XXXX, CA. When I contacted the person, they said that they just moved out to Texas and they they should take the ad down soon. I decided to offer {$750.00} and let them XXXX the computer to me. They agreed and we chatted for a while ; I was trying to establish some sort of rapport. I offered to pay half of the price first. At a number of occasions they appeared to have been ready to back out of the deal. I sent {$370.00} using XXXX. At the time I had heard something about their consumer protection. They were supposed to ship the computer to me the same day, but it didn't happen. I contacted Bank Of America and I just got a response that according to their internal investigation they see no fraud ( claim number XXXX ). Here 's how it all happened : XXXX XXXX XXXXXXXX # XXXX.
XXXX XXXX is submitting a report to the credit bureaus that my account is under investigation. I have never disputed this account. During a call on XX/XX/XXXX, XXXX, XXXX XXXX employee # XXXX, refuses to provide me with account information on my account regarding what is being submitted and reported to the credit bureaus. 

As ofXX/XX/XXXX, my balance is {$0.00}. I have not filed any dispute regarding this account. Still, on XX/XX/XXXX balance reported by XXXX XXXX for period ending XX/XX/XXXXis {$54.00} with a comment that the account is under investigation. 

I want this investigation ceased immediately by both XXXX XXXX and Equifax. Both state the other company is disputing the account or originated the dispute.
This account was a joint credit card with Discover card the account was to increase my credit score. I did not use the card nor did I have a card to use. The primary card hold was doing me a favor, but ended up hurting me. I 've been trying to get my name removed from this card and trying to get it removed off of all my credit reports. The primary card holder abused the card and was n't paying the monthly payments. The only way I found out that the bill was n't getting paid I download an app to see how my credit score was looking boom it popped that the account I have joint with has n't been paid for months and that it was maxed out. I am trying to buy a house with that joint account with her it 's preventing me to accomplishing my goal in purchasing a home. Can you all please do something to get that account removed from my credit reports and taken. I 've have lost large amount of money trying to pay this off on something I did not use. Its to the point now where I can not continue paying for something I did not use or have access to.
They just sent me a bunch of PDFs ( letters ) that I never received back in 2017. They are using that as a reason to collect on a mistake they made.
I do not have a contract with Debt Recovery Solutions and I never had one with them. I do not owe this debt nor do I own it. This account was already deleted from the other bureaus.
Hello, I have been having constant problems with Navient and my " Private Loans '' for the last 7 years. I have been badgered and harassed by this company and when i explain to the people calling that I cant afford the payments they want they just say that they cant help me. I basically am in financial ruin because these loans have tanked my credit so bad that it is hard for me to provide for me, my wife, and XXXX kids. 

I have taken care of my federal loans and they are with XXXX  XXXX servicing, but they have two of my loans that are Private loans. And you are XXXX  me over!! 

I know there are plans out there for help in payments, but I was never offered any options, except for a laugh in the face and saying that there was nothing they can do and saying I was refusing to make a payment ... .. " A LIE!!! '' If they really did recorded the phone calls they would have all the conversations of me saying that I needed help and couldn't afford to make their payments. 
I thought I had a grasp on things last year but it just cam to my knowledge that it wasn't. I need this fixed yesterday. 

I want answers, I want fixes, I want things to be reported like they should be on my credit report now. I am so done. I will stand up and fight because I am done being pushed around by everyone that I have talked to from this company ...
Loan me sent a post card to my address with a 7.4 apr when I actually was approved for the loan the APR went up to 137.70 % and 135 % for the Interest. I am a struggling single the parent and can not afford to give LoanMe {$12000.00} for a {$3000.00} loan. I received this loan in XXXX of 2014 and have been paying consistently for the last year. Please look into this company because the percentage rate for their loans is illegal.
In XX/XX/2018 this Bank applied money that was in their suspense account to my principal and commenced a foreclosure proceeding against me. Why did you apply money to my principal when I still owe my monthly payment?
The Alessi - Koenig law firm sought to collect a debt -- {$2300.00} in attorney 's fees -- for services that were not performed.
YOUR OPTIONS DID NOT ADDRESS MY ISSUE WITH THIS CREDIT CARD COMPANY. I chose fees/interest but it is also a complaint because they are reporting it as a charge off on my credit report even though this was a PREPAID / SECURED CREDIT CARD. They did also charge add'l fees, interest after I closed the card when I filed the complaint with then in XX/XX/XXXX. 
Please see my 1st complaint to you # XXXX regarding this credit card company. In their response letter, which you were also provided, they CONFIRM that this is a SECURED CREDIT CARD ( meaning it's prepaid-I put $ $ on the credit card & then used it to make purchases ). Yet even after I closed the acct, they STILL CHARGED ADD'L FEES AND THEN PUT IT ON MY CREDIT REPORT AS A CHARGE OFF. WHY are they reporting it as negatively as CHARGE OFF when it was a PREPAID CARD. Now that I used up the balance on the card and CLOSED it, they penalized me with charges and they did this even before I closed it even though I asked them to close the acct when i filed my initial complaint with you.