WillisBack/dataset-financial-user-claim huggingface dataset:
When I signed up for the account I set up a two factor authentication with a phone number I have since lost. To recover access Coinbase requires and ID. While I am residing in the US I am a XXXX XXXX. I have sent them a XXXX ID, XXXX drivers license, XXXX passport, Massachusetts Liquor ID ( which is missing one of my last names ), and 2 statements from my bank  with my name and address. Yet, I have still not been granted access to my account and am not receiving responses from Coinbase.
On XX/XX/2018 SpeedyCash lend me {$600.00} and told me they will be taking XXXX from my account every month till when Im going to finish paying but to my suprise they have been taking {$160.00} from my bank account every two weeks since then and the loan balance still remain the same. I called them to complain but they said theres nothing to do about it.
To CFPB, A month ago my attorney at XXXX XXXX XXXX sent Resurgent Capital Services a letter concerning a bogus debt they are trying to collect. They claim I owe XXXX {$2000.00} for a phone bill I never had. My attorney requested Resurgent to send us proof of this debt i.e. what is it for. Resurgent did not send proof of anything and just stated that I owed this amount for something I don't. 
When Resurgent responded they did not send proof but rather, stated that they were not going to respond further on this matter. Therefore, and for this purpose we are asking CFPB to look into this matter on a federal level since Resurgent has refused to obey federal law and send us proof of this bogus dept.
I recently discovered that PRA is reporting inaccurate information on my XXXX report, which is negatively affecting my credit. According to my XXXX report PRA is reporting the collection account as the original creditor XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as an open account with a past due balance as the payment status. I never opened an account with PRA.  The terms of the account is listed as one month although I have not entered into any terms with PRA regarding either account. PRA list the accounts with a credit limit/Original amount as if they are a creditor that extended credit to me. In addition, PRA list payment and balance history for both accounts monthly, which debt collectors are not allowed to do. PRA updates the " Date Reported '' date monthly, and with a Payment Status of " Collection Account '', and with no " Date Closed '' Date. I believe these are all violations of credit reporting of a collection account. 

I have also, on numerous occasions, provided proof that I did not receive any kind of notification of the debt, which CFPB and PRA continue to ignore. I have provided a copy of my DL that states my address at the time PRA said they sent a dunning notice. 

The choices given by CFPB for issues with a company are so limited and narrow and I am forced to make a selection that may not adequately identify my issue with PRA.
XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to XXXX, XXXX, and Equifax asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next. 

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ). 

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, Equifax, XXXX, and XXXX.
on XX/XX/XXXX Equifax took 21 points from because of XXXX XXXX XXXX now that my account is back to XXXX balance and out of collections i only received 3 points back. It's not right how they can take so much points from a person and then give them back 1-3 points after its corrected.
I ordered on line a 48 '' TV set from Walmart for {$400.00}. The first week of XXXX. Notified it would be delivered XXXX XXXX. Arrived XXXX XXXX by XXXX badly damaged. I notified Walmart and they arranged for XXXX to pick it up XXXX XXXX. I had no shipping label so they would not take it. Meanwhile, I went to Walmart and bought another TV. For the past two months, I have tried to make a return. I have chatted 6 to7 times with Walmart reps. I called their customer service rep. three times. All assured me that it would be taken care of. Today I received an email that it has been over 90 days since I received the TV and they are re-billing my credit card for XXXX. The main problem is that I do not have the right equipment to print out a shipping label. The answer to that was at least three reps. on chat said they would send me one. The last chat the supervisor told me a private shipping company would pick it up as they do n't mail out shipping labels. As of today that has not happened. We are seniors, live in a mobile home park and leaving XXXX XXXX to celebrate XXXX years of marriage with family in Ga. Will be gone near three weeks. Without help from Walmart the TV will still be here and we have to pay {$400.00}. It can not be returned to a store and my husband being XXXX I am unable to handle it.
Collection agency, Lockhart, Morris, Montgomery continues to lie about collection of my loan and the threats they made to me and my daughter. I have never said I signed the contract. I never signed the contract. My daughter was not even in the same city when the contract was signed. The contract was emailed to me because XXXX, the salesman had it on a laptop. They claim they did not give me my full social security number and threaten me and my daughter but I have it recorded. They are lying. I can verify this. I also called the company the day the installers came and destroyed my home. I 'm trying to get the phone records now. I told them it was unacceptable. I did not want it. It states in the contract that I had three days to cancel. I also have an email stating the same thing that was sent to the company within the three business days. My daughter is listed on the contract as someone to contact if the alarm goes off and I ca n't be contacted. They only have her name and an old telephone number. XXXX and Lockhart, Morris and Montgomery are liars and scammers. I can verify everything I have said. They forged my signature and my daughter 's.
For the past 12 months I have sent information to XXXX   asking them to VALIDATE XXXX XXXX that has been added to my credit report. The only response I am getting from XXXX is verified.
The original purchase price of the house was XXXX and we put down XXXX. We were told by the lender that we would have to pay the PMI at first and by the second year it should be removed because we gave more than the 20 % down needed and therefore the ratio of what is owed and what the house is worth would be below the requirement to have it removed. Ive called the bank, Ive placed numerous requests and they say that they will charge the PMI for the next 7 years because thats what they are allowed to do. But now the house is worth XXXX through last view on realty website and we owe XXXX which is well below the 78 % requirement to remove the PMI. Even if the house still appraised at XXXX its still below the 78 % because we put so much down. We just want the PMI removed, thats all.
There are incorrect addresses reported on my credit report. My home address in XXXX XXXX is correct. I have lived in XXXX for the past 16 years. However the address in XXXX XXXX is my sons address. It is not mine.
The caller stated her name was XXXX with NRS ( XXXX ) stating that I owed a payday loan from 2015. When I tried to explain to her that this had been taken care of and that I had email confirmations to prove it, she continued to speak over me and says, " What kind of arrangement did you have set up!? '' I tried to tell her it was set up in two payments and then when I got louder due to her continued efforts of speaking over me - she asks why I was getting hostile. First off, she wanted me to give her my social which I did not, then she verified my bday - she proceeded to tell me that I owed {$490.00} to XXXX. Stated that {$100.00} was paid and that the remainder came back NSF from " your bank of XXXX ''. I 've NEVER banked with any such bank and she proceeded to scream at me telling me banks change names all the time and that I should know that. I told her I 've NEVER banked with a bank by that name and she continued to scream at me and says, " YOU THOUGHT you finished paying it off - but 90 % of consumers make the payments for the amounts they borrowed and THINK they are done, but they are far from done and do n't really know how much is actually owed ''. I told her I needed to find the emails and letter saying I paid it off and she asked how long that would take and I said I did n't know - 2 days? She says, " You have until XXXX. tomorrow to produce your proof as you call it '' to them or " further actions '' will be taken against me. When I tried to ask where to send - she continued to talk over me and then says, " well do you want to know where to send your supposed proof you have or not? '' I was getting really heated by this point because of the way she was speaking to me and then says that " 24 hrs is sufficient amount of time '' for me to provide my " so called proof of payment and the address is Correspondence - do you need me to spell that for you? '' She was being extremely condescending and I screamed back that I KNEW how to spell - and she says " XXXX ''. I then ask who 's attention and she says, " Correspondence - this call has been recorded you have until XXXX tomorrow. '' and then hung up on me. I IMMEDIATELY blocked this number from my home phone and started researching the number. There have been NUMEROUS complaints of this being a scam and of this same exact person/company calling others with threatening calls. She did n't even give me a chance to ask for a debt validation letter from her before she hung up on me. This is ridiculous and these people need to be stopped. They call threatening legal action or people showing up to my job etc. The scariest part is that they have my personal information!!!!!!!!!!!!!!!!! Yes, in 2015, I did have a loan - which was PAID BACK - and now 2 years later they are trying to collect? Give me a break ....
I received a delinquent tax bill for an extra parcel of land that was included on our mortgage. It was supposed to be escrowed out of our payment, however it was not. I notified my mortgage company Caliber Home Loans of this in XXXX XXXX and a research request was submitted. I called back in XXXX XXXX after receiving yet another delinquent tax bill. They informed me the research request was still pending from XX/XX/XXXX. I have called back again on XXXX/XXXX/XXXX and today XXXX/XXXX/XXXX and still no action has been taken, according to the representatives with whom I have spoken. I have faxed in 3 Qualified Written Requests with no response from their company. Meanwhile, my delinquent tax bill is accruing more late fees. This is a direct violation of RESPA, as my account is not being escrowed properly and I have notified them on XXXX occasions that this needs to be remedied.
To Whom It May ConcernI was a student XXXX at XXXX College XXXX, California XXXX XXXX XXXX XXXX XXXX shut down without any notice while I was enrolled as a student without any notice in XXXX 2015. I have found out that XXXX College has secured XXXX loans on my behalf from following lenders ; 1 : Genesis Lending XXXX in the amount of {$50000.00} : XXXX in the amount of $ XXXXBoth of these loans were taken without my knowledge and now lenders are asking for the repayment. I was still enrolled as a student while the College shut down and have not completed the program. I do n't have a job and ca n't repay the loan. 
I kindly request that an action should be taken against the college and lenders should be paid by college. This matter has causing me a lot of XXXX and I have to answer the inquiries about by these lenders over phone. Lenders have been sending me the statements and I requested them to stop but they have suggested I should file complain at Consumer Finance. 
Please feel free to contact me if there is any information needed. 

Sincerely, XXXX XXXX XXXX
I am in desperate need of assistance. I submitted a modification packet t o Nationstar howe ver they are refusing to review my modification packet. I have tried to work with them and have provided all documents needed to be evaluate for a new work out option. In the previous complaint I submit trough the CFPB agains t Nationstar wa s because they were not using 100 % of my income therefore I got denied because I was deficit. I am making {$5400.00} per month and my monthly expenses are {$3900.00}. These expenses include my current mortgage payment. I have even email my application to a supervisor and still no responds. I do not want to lose my house is all I have. Please help me I am in desperate need of assistance.
Experian reported the recent data breach involving millions of Americans. I went to their below website to see if I was affected. URL : https : //www.experian.comXXXX XXXX XXXX XXXX I submitted my email address and waited for their reply email as requested. It has now been three days and no reply. Today I signed up for free with Experian to contact them as I could not find any number or email. There is no email contact I could find. I found their number of XXXX. I was on hold for 13 minutes with no indication of how much longer I would be on hold. I gave up. They make it difficult to contact them.
I decided to take advantage of a promotion w/Citibank in XXXX of 2018. The promotion requirements were to deposit {$15000.00} within thirty days of account opening and maintain the balance for sixty consecutive calendar days following. Ninety days after this requirement was met, Citibank was suppose to deposit the {$400.00} bonus. They did not. I have contacted them and am getting the run around. To follow is a timeline of my account activity. 

XX/XX/18 Opened Checking and Savings Account ( See XXXX Citibank Acct Opening Application.pdf ) XX/XX/18 Deposited $ XXXX ( See XXXX Statement.pdf ) XX/XX/18 Met 60 day requirement ( See XXXX Statement.pdf ) XX/XX/18 Bonus was too be paid. It was not. 

XX/XX/18 Called to inquire about why I hadn't received my bonus. Was transferred a few times. After 45 minutes, a supervisor named 'XXXX ' said she opened a case. She said it would be resolved within 48 hours to which I received written communication confirming. ( See XXXX Notice.pdf ) XX/XX/18 Still no bonus and no follow up. Called again to inquire. Still no answers. Another 45 minute call resulted in a supervisor named 'XXXX  ' stating he had escalated the matter but didn't know when it would be resolved. He had no answers. I let him know this was unacceptable. I then asked for instruction on how to file a complaint. XXXX was very reluctant to provide this information stating he had done so for me. 

I find this all unacceptable. It is simply a matter reviewing my banking activity to see that I met the requirements for their promotion. They are giving me the run around.
My XXXX Mastercard was lost and used without my permission in a state that is atleast a thousand miles away. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. The charges were made in a state thousand miles awat. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. These charges werent even made in the state I live in or a state that I have traveled too ever!!
I have made many attempts to have these 2 collections removed from my credit report, and this company refuses to take them off or investigate. I have never received or got any services with them.
On XX/XX/XXXX I received a call from a debt collector at Security National Automotive Association Corporation to settle a debt. I came to a payment arrangement to pay a certain amount on the XX/XX/XXXX and to set up automatic payments using the same card for the XXXX and XXXX of ever month. I received email confirmation of such. No automatic payments were taken out since then and on XX/XX/XXXX they repossessed my car without notice. I have called and tried to express this error to them and I was referred to my account manager who either wasnt there or wouldnt pick up the phone. I was told that no one could help me with this issue besides my account manager who still has not called me back. I would like to settle this debt as Ive already missed a day of work. This is a stressful situation and Im very tired of waiting on them while my account accrues more and more fees by the day. I dont even know where my car is because I could not talk to anyone about this issue.
I made my last payment to my loans on XX/XX/2017. My balance is now zero. On XX/XX/2017, Navient took out a payment of {$380.00}. I called them and they told me I have to upload a copy of my bank statement before they can issue me a refund. They said it could take up to 10 days for it to be refunded. I have submitted the paperwork and am waiting to see if it will be accepted. I do n't feel like I should have to show them my bank statement to get a refund for money they took out in their error.
I had spoken with the loan officer of Quicken loan about refinancing. He had come up with a good offer that I couldn't refuse. He was only mentioning to me that the deposit for appraisal was refundable and I will receive it in a form of check or credited to the loan but failed to mention to me that if the loan did not work out the deposit is not refundable. He had me sign so many papers and when come to the appraisal deposit he had sign again but still did not mention anything about the appraisal not being refundable if the loan did not process. 
I had paid XXXX and the loan did not work out. 
Now they telling me I had sign it but initially they did not mention anything about it not refundable. I had talk to the senior administration official..they said the case is close and they can not do anything about it and keep telling me I had sign it .. but I'm not aware of it and sign it thinking that everything was going well. I felt cheated because the loan officer did not mention to me anything about the appraisal policy. The only thing he was telling me was its refundable after closing. 
I know I lose my money but this company need to have their employees honest upfront with their clients.
Mb Financial has been contacting me on my delinquent mortgage payments since XX/XX/XXXX. I had received call several times and asked to speak to someone to lower my payments and pay off amount due. I was told can not do and have to fill out Hardship Package. I had to wait 7-10 business days to get. I received around XX/XX/XXXX. I needed to provide tax forms, month pay stubs, fill out the package and send it back. I sent out package about XX/XX/XXXX. It took several days to receive. I was told by XXXX that my account would be looked over and that i would be contacted. No phone calls were made to me. I waited 5 days. I called back. I was then told that it was incomplete and that 3 pages didn't get retrieved. I reprinted the paperwork, and emailed to XXXX default at Mb financial on the XXXX of XXXX. I was marked completed when i called back by XXXX again. She told me i had to wait 2 more weeks for a judgement. It was then sent to XXXXXXXX XXXX XXXX XXXXXXXX lawyer 's office to assess fines and fees. I am simply trying to pay the amount. I asked for a statement and was told i have to wait 2 more weeks to get the email by XXXX. I was then told to call Mb financial for help. I called them they told me that it was out to the Lawyers office again. I just want to resolve, get amount. Pay and lower.
To XXXX, XXXX, and TransUnion this message is in regards to an account 1. XXXX 2. XXXX 3. XXXX 4. XXXX/XXXX 5. XXXX XXXX XXXX/XXXX all are listed as closed. I am not aware of these accounts belonging to me. I am not sure if this was by mistake, done on purpose or a fraudulent act but this is not a laughing matter it is an major error and misuse that I would like to see removed from my credit report immediately. I contacted XXXX but I did n't get a response back so I do n't know if this is a game being played or what. At this point I have contacted my lawyer and we are scheduling to go over to the county court house to get an affidavit for all the companies listed, including XXXX, XXXX XXXX, and TransUnion. Please be aware that I have contacted my personal private investigation team, FTC, and The State Attorneys Office to handle this case. If for any reason this was placed on my credit report, the companies will suffer the consequences. This is my last attempt to resolve this matter and anything after this message wo n't be answered by myself, you 'll have to deal with my lawyer. 

Thank You
The following inquires do not belong to me. I have previously tried to dispute them with the credit bureau with no result of having them removed. The bureau could not provide a signed contract stating the inquiry belonged to me or how my information was retained. 


XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX. 
Inquiry XX/XX/XXXX XXXX & Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX 
Inquiry XX/XX/XXXX