WillisBack/dataset-financial-user-claim huggingface dataset:
I used Coinbase.com to convert virtual currency into XXXX. I then initiated a transfer to my bank account via the XXXX withdrawal method. The total amount was XXXX.XX/XX/XXXX: Submitted withdrawal request. Website stated that "Your XXXX will arrive by the end of day on Saturday XXXX XXXX, 2017"Transaction has shown as 'PENDING' since XX/XX/XXXX.XX/XX/XXXX: Opened a ticket on their support system.XX/XX/XXXX: I received a generic response "issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert."XX/XX/XXXX: Received another response "It will likely take at least a week. Let us know if you need anything else in the meantime."Internet forums and social media demonstrate that many users are experiencing the same issues. I am concerned that my funds will not be transferred to me.
I applied for a hardship on my auto loan due to a change in employment. I can no longer afford my current payment and they informed me that this modification would help me out. I applied for the modification last XX/XX/XXXX. I submitted the application and notified my insurer ( XXXX ) that they needed to send the hardship department a declaration page of my insurance with Statefarm bank as the leanholder. I was contacted my the hardship department stating they received it but it did not have the correct information on it. I then contacted my insurer and asked them to resend it with the correct information. Since XX/XX/XXXX I had been locked out of my online account and saw that I had no payment due. I thought maybe they had been working on my account. I never heard back from them about the status of my application. In XX/XX/XXXX, I noticed that I had a derogatory mark on my credit from State Farm bank saying I was 30 days past due. Mind you, my account had shown no payment due in XX/XX/XXXX as well. I contacted the hardship department and they told me my application was voided after 15 days because they never received my insurance information. They said if we could find out if it was not my fault then we could proceed with the application and get the credit remark removed. I contacted my insurer and they told me that they had in fact sent the form twice. I have been back and forth with the hardship department and have been lied to every time. Saying that they do n't reverse their decisions, that I was at fault, and even stated that they had in fact received the insurance information but still voided my application. Then told me I was never even eligible for the hardship in the first place. I have asked to speak with management several times but to no avail they are always busy and never return my calls or messages. I feel like they lied to me and are trying to sweep this under the rug and avoid taking responsibility for what happened. I wanted to do what I can to be able to make my payment and stay in good standing on my account but they flat out refuse to work with me or help me out. I have been struggling and just need some help.
There is unauthorized inquires on my report i did not give these company approval to make a hard inquiry to my report. This is causing me problems as to i can not provide for my family due to lake of credit approval. Please kindly remove them from my report. Thanks
I had to file for bankruptcy and it was discharged. My   XXXX    credit reports continue to show balances on accounts that was discharged. I am trying to re build my credit and this continues to hold me back.
Contract is misleading advising you can get a refund after your terms and also within 10 days of signing a contract. Within the 10 days you will not make a payment till 1 month later so how is that a refund? Since I signed a term contract which I had paid in full and still nothing was clear within my debt. This company also advise they keep 51 % of my money and only pay off the debt with 49 % which does not make sense at all. This company is not coming clean when i ask them questions and when they answer it does not make sense at all. 

*CUSTOMER SERVICES NOT GOOD *CONTRACT DOES NOT ADVISE WHAT THEY SAY *COMPLAINT TO THE MANAGER AND THEY HE ADVISE HE IS THE OWNER?? 
*CONTRACT IS MISLEADING *MANGER YELLS BACK AT ME WHEN I AM ADVISING THEM ABOUT THERE SERVICES AND WANTS TO KEEP MY MONEY FOR NO WORK DONE *AT THIS POINT I THINK THIS COMPANY IS A FRAUD/SCAM *CALLED THE OFFICE I SIGNED UP WITH, CAN NOT ASSIST THAT I WILL NEED TO CONTACT HEADQUARTERS * CAN NOT PROVIDE PROOF WORK WAS DONE
I didn't receive any written or phone communication about this debt from the collection agency. I saw it on my credit report and promptly paid in full. This was supposed to be paid by insurance and I have since put a claim in with my insurance company. The full amount was for {$430.00}. I was also never given written documentation about being able to dispute the debt in order to get it off of my report. I called the agency and they said that since I paid it there was nothing they could do to help.
on  XXXX / XXXX / XXXX , I requested Experian,   XXXX   and  XXXX  to dispute a false and negative reporting to my credit from  XXXX . So far  XXXX   XXXX , on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that may be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.
To whom It May Concern : In XX/XX/XXXX I made what I thought would be a life changing/improving decision to attend the University of XXXX to become an XXXX XXXX XXXX. However, after obtaining my XXXX, I decided to switch my major to become a XXXX XXXX. My counselor suggested I switch to XXXX XXXX XXXX to fulfil my wish to become a XXXX XXXX.

To my surprise, just before graduating with my XXXX XXXX XXXX, I learn that my degree did not qualify me to take the exam to become a Louisiana Licensed XXXX XXXX. I phoned my counselor to learn she was no longer with the department and was assigned a new counselor, who apologized but offered no explanation for this major miscommunication.

After graduating I came to the rude awakening that the degree I dedicated four long years and $ XXXX to wasnt anything more than two expensive pieces of paper. During my time at XXXX the school highlighted its creditability with employers with the XXXX XXXX campaign, which was another misleading advertisement. However, I learned that XXXX was not an accredited school during my attendance, yet I was informed by XXXX   they indeed were an accredited school.

After graduating it took almost a year to land a job related to my field making $ XXXX  ( this was in XX/XX/XXXX), today ( 5 years later ) Im finally making $ XXXX. Due to the rate of pay, my student loans remain in deferment and I dont know how I will ever repay them with the quality of my degree. As I apply for positions I meet qualifications for, I am learning that my degree is not recognized by employers and my resume is not considered for the position because of my XXXX degree.

As an adult student, I took my education very seriously graduating with a XXXX GPA. I am very proud of myself for this accomplishment because with online classes it is up to the student to succeed ; meaning the student basically self teaches and the teacher simply provides grades for assignments they post. However, employers never get the opportunity to see the superior qualities and skills I possess because my degree stops employers dead in their track when reviewing the resume.

I am very upset that I put myself and my family in a financial crisis with the promise of a brighter future. I realized up front that the investment would be a large one, but with the encouragement from XXXX  counselor and family it was one I was willing to take. However, I have come to realize that my degree was a $ XXXX  scam and attending XXXX  was the ringleader in this scam.

Please help me get justice. I was highly misled by XXXX, turning what was intended to be a step up on the ladder of life ; yet turned into a nightmare I can not afford nor wake up from and Im drowning at this point.

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX IRN : XXXX Attendance dates : XX/XX/XXXX-XX/XX/XXXX
The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Retail Card XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
dates of callsXX/XX/XXXX2019, XX/XX/XXXX2019, XX/XX/XXXX2019 6-7 calls daily from XXXX XXXX keep blocking numbers but continue calling with other ID numbers SCAM Telemarketing calls
So my credit card with capital one is always due on the XX/XX/XXXX of every month but somehow they wait until the beginning of next month on the on the XX/XX/XXXX to add an interest in the Cash feed that to me seems a little sketchy when I have asked on numerous occasions came they change my due date to the beginning part of the month so that way I can factor and the interest rate and the cash advance fee and with my regular payment. And I asked for a copy of my new statement to be emailed to me the statement for XXXX for XXXX I was told I couldnt receive it via email last
I have been using Capital One 360 bank for a few years now and everything has been great. A little over 2 weeks ago my 3rd party accounting apps started to be blocked by Capital One 360. I have been working with both sides ( Capital One ) and the 3rd party accounting applications to try to pinpoint the issue. Capital One confirmed that they have issues on their end and have a team dedicated to the issue but I only get this information from them at certain times. The rest of the time they either say there is no issue or that they're not allowing some 3rd party apps to access their data for security reasons. When I present this information to the 3rd parties they claim that Capital One may be trying to intentionally block some 3rd party apps to drive traffic to preferred vendors. If this is the case, which I can not confirm myself without some help from an enforcement agency, then they are breaking rules. I have the right to access my data through whichever vendor I choose, not just the big ones.

The two cloud accounting applications that have been affected on my end are XXXX XXXX and XXXX. XXXX partners with a data provider known as XXXX and XXXX uses one called XXXX.
XX/XX/XXXX made $ XXXX transfer to associate using capital one XXXX app XXXX  feature. On XXXX received note from associate asking about whereabouts of payment. On XX/XX/XXXX contacted capital one. Capital one attempted to cancel the payment but was unsuccessful. While on the call capital one verified the phone number of the recipient of the transfer. I was referred to claims department to initiate a claim and was informed that the investigation would take up to 45 days to resolve. I subsequently made a small test payment to the recipient via the same phone number successfully. At this time I am out $ XXXX with no indication what went wrong, where the money is and what will happen next.
I checked the XXXX website to apply for an auto loan. Rates are published in the website and I know a lot of people who financed their cars with XXXX at 1.49 % or 1.99 %. To my surprise, there is a notice now on the website that reads : " Rates displayed are for all auto loans excluding residents of Puerto Rico. To receive the current auto loan rates for Puerto Rico, please contact us at XXXX. '' When I called, the rates for Puerto Rico are much higher that those offered to the rest of American citizens consumers in US. XXXX discouraged me from applying to the loan with those higher rates. 

I understand this is a discriminatory practice under Fair Lending and other related consumer regulations and must be investigated and corrected. In addition, I was informed that these different rates were apparently established in the aftermath of Hurricane Maria.
I was served to appear to respond to a credit card debt owed. 
I never received a failure to appear from the court in a amount that was incorrect. I was informed by a Law firm that a judgement was rendered in the incorrect amount and I authorized them to with draw from my checking account a amount that I could only handle for seven months. The law firm would not accept a lesser monthly amount. The original loan was {$1900.00}. I paid to XXXX XXXX {$700.00}. 
PRA sued me for the arbitrary amount of {$3200.00}. I paid the Law firm {$700.00}, which brings my amount to {$2200.00}. Despite paying {$1400.00} on a original loan of {$1900.00}. This is my second complaint concerning this practice of playing loose and fast with the process. 
Last week I called Portfolio Recover Associates, LLC. They had no knowledge of any of my dollar amounts and told me to call, XXXX XXXX XXXX XXXX XXXX, XXXX Each of those collectors told me too call the other collector. No one would offer any advice other than wait for my bank to contact me.
I have spent countless hours trying to get this case No : XXXX resolved and the negative information removed from my credit report. In XXXX, CitiFinancial agreed that they had made an error in reporting Account Number XXXX to the credit bureaus. This account was removed from my XXXX and XXXX credit bureaus, however, It is still showing up on my XXXX and is causing my credit score to be lowered because of negative information. I am in the process of purchasing a new home and need this matter resolved ASAP. Please help me " FINALLY and TOTALLY '' get this negative information removed from my credit report. 
Thanks!
My complaint is against Financial Data System. They keep reappearing on my Credit report and I do not owe any hospital bills. I have been XXXX since XX/2017 and also receive XXXX. I have never received validation of any debt and nothing that was signed off from original creditor. I do n't know if this was billed incorrectly, but I have XXXX and all my bills are covered. This company find a way to keep popping up on my credit report after being removed several times which is illegal. Once a collection has been removed off your credit report it is illegal for all credit bureau to allow them to be put back on. XXXX cover all my doctor visits, lab and any other test. I do not owe this bill it needs to be sent to XXXX.
Received medical treatment at XXXX XXXX Medical Center in XXXX, Idaho. Used a Veterans Administration Patient Card. Assumed VA paid the bill. Now getting served with papers from Medical Recovery Services with 20 days to respond. Papers are dated XXXX. XXXX, 2016 brought to my door on XXXX XXXX, 2016 at XXXX.
XX/XX/XXXX XX/XX/XXXX XXXX XXXX apply Pulled my credit report I didnt apply for this
In the year 2013 my identity was stolen, unbeknownst to me, someone used my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to this company along with my tax return showing where I was residing when the account was opened ( copies attached ) via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY continues to report this invalid fraudulent account. I have attached the ID THEFT packet again with my police report, proof of address when account was opened and my proof of identity account # XXXX
My husband got a new job and he was paid monthly at the end of the month. I started paying all our bills at the end of the month. Synchrony Financial has charged me late fees since XXXX 2016, even though I made payments and paid over the minimum payment some months. In some of the months, I made two payments, one at the first of the month for current statement and one a the end of the month for next statement. However, the second payment was not applied to the next billing statement, even though it was made after the required due date from the previous statement. I have now incurred over {$200.00} in late fees, but have been paying every month.
All of my identifiying crucial information was stolen. Im now at serious risk of identity theft because of equifaxes negligence.
XXXX continues to pursue debt collection activity on a debt without validation and reporting false and incorrect information to all three credit bureaus. 

XXXX has responded to multiple complaints referencing I have filed a suit against their predecessor and them. However, XXXX highlights they were granted a No-evidence motion for summary judgment and a pending lawsuit against their predecessor, Bank of America, validates their debt collection activity. XXXX claims they ca n't verify or validate their debt collection activity until the lawsuit against their predecessor is adjudicated. 

Bank of America 's summary judgment was denied on XXXX out of XXXX claims including fraud. 


XXXX should not be able to pursue debt collection activity until the lawsuit against their predecessor is adjudicated. XXXX only has the right to pursue collection on what their predecessor had to transfer. Bank of America has not proven any right to collect the debt that was transferred. 

At the time Bank of America transferred the debt tp XXXX, Bank of America NEVER denied an allegations in the lawsuit that was filed on XXXX XXXX, XXXX. Bank of America sought to file an answer to the lawsuit in XXXX XXXX. The Court 's decision granting Bank of America to answer the lawsuit almost two years late is pending in the XXXX XXXX. However, Bank of America transferred the XXXX balanced debt to XXXX on XXXX XXXX, 23 months after the lawsuit was filed against them.
Southwest Credit located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX sent me a letter attempting to collect {$520.00} for a XXXX account that was paid in full long time ago. I sent them a letter disputing the validity of the debt and I attached a copy of a XXXX printout showing that I do not owe them anything. This is a scam that could impact people who do not save receipts or keep track of their bills.
XX/XX/XXXX, I signed up for a Bank of America cash rewards credit card in which I was promised XXXX % cash back for all purchases plus a XXXX % bonus for a total of XXXX % on all purchases. In addition, I was promised a XXXX % bonus to make it XXXX % cash back if at least {$300.00} in cash rewards was accumulated before I redeemed the cash reward. The commitment made by Bank of America was that this benefit would be in place FOR THE LIFE OF THE CARD. When I realized they had radically reduced the amount of the cash back bonus, I called Customer Service and was informed that the program was discontinued in XXXX XXXX and that I was placed in another program. It 's supposed to be " FOR THE LIFE OF THE CARD '' not when they arbitrarily decide to end the program. In looking back at my statements, the change seems to have happened when Bank of America called me with a fraud alert and had to change my credit card number although I 've been with them continuously since XX/XX/XXXX. Are they declaring that because they have a concern about fraud and issue me a new card that they now declare the " life of the card '' provision no longer exists? I do n't believe it 's fair what was done to me. A company should not have the right to arbitrarily decide to end of the program yet when they market the card to you tell you the terms are for the, " LIFE OF THE CARD ''. 

I 've attached the XXXX consecutive statements in which the XXXX statement credit card number was changed.
I've spent the last 2 months trying to fix the issues on my credit report due to identity theft issues. Transunion has failed to help in the matter. I have 99 credit inquires that is very disturbing when I contact transition they will not investigate it and say that inquires are factual data. They have given my credit report out without permissible purpose. I have even placed extended Identity fraud alert on my credit report to make sure that my credit is not viewed without my permission first. Transunion has constantly allowed my credit to be viewed. I even tried to dispute these credit inquiries online and they have blocked me from doing so. If you look at the attachments I have given you will see that it don't allow me to start a new investigation within transition dispute portal. Also I have included an attachment to show there is an fraud alert on my credit that Transunion is not adhering to. The only inquires I had authorized was the 4 last mortgage applications.