WillisBack/dataset-financial-user-claim huggingface dataset:
In line with the multiple unethical credit reporting complaints as identitied via the internet, since the beginning of this year I have been disputing an account from Fair Collection and Outsourcing ( FCO ) -creditor XXXX in in the amount of XXXX dollars which has been placed on CRAs XXXX , XXXX , and XXXX. As well as receiving a threatening/harassing phone call from a gentleman customer service representative - once @ XX/XX/XXXX and another in XX/XX/XXXX, in which I still confirmed my dispute the account is not mine. 

I recently did a direct contact and phone calls with the client ( XXXX ) on this account you and the supervisor at that location informed me that they do " not '' have any records annotating the {$3100.00} amount FCO reported to the CRAs. Also documented. This information pose illegal reporting from FCO and under my credit rights and I 'm requesting investigation on the FCO company and my actual account and this inorrect information permanently deleted from my CRA reports XXXX, XXXX, and XXXX. I 'm also concerned and request investigation of FCO 's document replication of account ledgers ( false documentation ) from the actual creditor. This false reporting is currently hindering my employment associated with credit requirements ( position with clearances ), as well my quality of life and pursuit of the American dream. I recently filed a complaint via XXXX where this company 's rating is graded an XXXX, and received the complaint results stating after multiple attempts of communication from XXXX with FCO, FCO failed to respond to XXXX regarding my complaint. They also informed me to pursue this company with an attorney and/or CFPB. Again, I have also filed another dispute with FCO compliance officer via email, as well as via the CRAs. This company has created havoc on thousands of law abiding citizens and should be seriously investigated and fined.
I submitted a withdrawal request in the amount of {$7900.00} from Coinbase on XXXX XXXX, 2017. Funds were promised to be delivered to my bank account by XXXX XXXX. I have submitted a support request with Coinbase, but it has been 4 days, and I have not received a response.
Equifax improperly divulged my information without my consent. I 'm shocked that their security systems were so inadequate, and that considering how highly valuable this information is, they do not employ standard techniques such as two-factor authentication. In my opinion this breach shows how little they value the security and privacy of US citizens, and they should be reprimanded appropriately.
On XX/XX/XXXX I have checked my XXXX credit report and it gave me an collections alert from XXXX XXXX XXXX XXXX stating that alert date of XX/XX/XXXX. And status date of XX/XX/XXXX, for {$63.00} in which I have never received due to me being overseas. They have reported it to my credit scores and have damaged my credit score for a debt that I know is not mine since Im good at paying my debts, I havent received any calls or anything about the matter as well notifying me that I owed them and they have just reported it to my credit scores I dont even have photos or any paper trails about this matter.
I have 3 accounts on my credit report inwhich are not mines, nor do I know who added me to them. I'm asking that this accounts be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX
I have been harassed by Navient callers for months. They do n't give me any options to pay them back because they are private loans. They call me 7 days a week from different area codes and they call and harass my mother all hours of the day as well because she was the co signer on my student loan. I did n't even get a good job with my degree I used student loans on. Every time I pay {$150.00} just for them to stop calling me for a month. I told them I just had a baby and did n't have any income at the time and the lady said " literally '' that it did n't matter and I had to pay. No remorse. My alarm in the morning is Navient calling my phone. They call me at work all day. It 's putting so much stress on my family and I do n't know what else to do. The {$150.00} I pay does n't even go towards my loans. Just to Navients pockets.
This is a complaint against BestBuy/CBNA. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
I turned in my leased vehicle early inXX/XX/XXXX. I returned it to the dealership where I leased it from -- XXXX XXXX  in XXXX, CA. The lease was turned in approximately 20 months early. I paid off the remaining payments owed on the lease to GM Financial -- the leasing company. At a rate of $ XXXX/month, the approximate lease payoff to turn the vehicle in early was {$2100.00}. I paid {$2200.00} to GM Financial as a payroll -- slightly overpaying to cover any small interest amounts that accrued.

Since then, I've attempted to get the lease fully settled and a refund of approximately {$30.00} issued to me. In XX/XX/XXXX, I called GM Financial and spoke with XXXX XXXX to request the small refund. XXXX advised me that a final bill wasn't generated yet however he would request one. He did however generate a letter for me saying I owed {$0.00} on the lease. I never heard anything from GM Financial since. Today, onXX/XX/XXXX, I called GM Financial again asking for a refund. They advised me there wasn't a refund due. I asked for a final bill showing how the {$2200.00} was applied, and they advised me that one wasn't generated yet. The representative on the phone advised they would request a new one however couldn't at all tell me how long that would take.

Lastly, I received a new car registration in the mail dated XX/XX/XXXX issued by the State of California. The document shows me still as the registered owner despite turning in this vehicle back in XX/XX/XXXX. It's clear to me that they still haven't updated DMV records to reflect them taking the car back
Today, XX/XX/18 my father was denied a loan for not speaking English. I simply told the company that I will be present to translate and that my father knows the basics but the contract I would be able to translate if he doesnt understand something. I was simply told that ot was not possible since I am not English speaker. The women simply just intorupted me and was very rude. I have never heard of such a thing before. I translate all the time and even have a business we run without English. I am just dissapointed and shocked!
On XXXX/XXXX/2016 I checked my Citi online account. At that time the system indicated that I could receive a credit limit increase with a SOFT pull of my credit report. I completed the process and was instantly granted an increase. 

On XXXX/XXXX/2016 Citi did a HARD pull of my XXXX credit report. I was notified of this 2 days later by a credit monitoring product. On XXXX/XXXX/2016 I contacted Citi to find out why they 'd pulled my credit. Due to the time delay between the CLI and the hard pull I 'm concerned about a fraudulent account being opened in my name and was told they could not help me. I also asked about having the hard pull investigated and removed and I was told that no one could speak to me or help me on that matter. 

Either a fraudulent account has been opened in my name or Citi was deceptive in its process.
While conducting online banking within TD Bank website, I attempted to make payment in full on my TD XXXX credit card by transferring funds from checking to CC account. Somehow the transaction of {$920.00} was processed XXXX times. After Four Weeks I recieved a message that my checking account was low in funds and I transferred {$4000.00} the same day. Also I checked the accounts and found these XXXX extra transfers totaling over 2700. I contacted TD bank online and in person at a branch office. The manage informed that the problem would be resolved ASAP .. Now it is week later and I returned to the same TD branch and the Manager contacted the cc department and was informed XXXX to XXXX additional days for a refund to be transferred This is unreasonable to wait so long for my money and to deal with a computer glitch.. Can you help me
US bank advertises offers for business credit cards on their website and other affiliate sites. On XXXX XXXX 2015 I applied for a business credit card and a week later I received a rejection noticed with the following cited as the cause : " Residence is outside of trade area ''. I contacted US Bank and inquired about what this meant, the representative said that it means they have no branches in this area. I asked why then I get offers from their bank mailed to me. The representative indicated, that if the application had been submitted in response to a " mailed offer '' they would have processed the application, but because I went on their website instead, the application had been rejected. 

I believe that the merchant 's practice is deceptive. When an application is completed on their website they collect ALL my information, including address and phone numbers. If as a bank they do not review applications from customers located outside a specific area, they should not be allowed to send their mailings to such area and they should not be collecting sensitive information without first ensuring the applicant can be serviced by them. ( all it takes is an address script to be ran on their website and for the first information data set to be the address ) Anyway, the public should know upfront if they have service area restrictions, instead of pretending they can serve all areas.
In XXXX 2014, I called my mortgage servicer, Wells Fargo, and told themthat I wanted to move to a bi-weekly payment schedule so that I couldpay down my mortgage more quickly. The customer service rep confirmed that by making the switch, I would cut about 6 years off my mortgage. I just realized -almost a year later - that she switched me over to a semi-monthly paymentschedule and that I have not made any additional progress whatsoeverin paying off my loan. I am scheduling additional payments now to makeup for lost time, but am complaining because I feel that XXXX Fargodeliberately chose to put us on the semi-monthly rather than bi-weeklypayment schedule - in spite of my clear instructions - to prevent us frompaying down the mortgage more quickly. I suspect that they are usingthis tactic on others, as well. It took me a year to notice that the paymentswere being drawn XXXX a month instead of every two weeks, so this is agreat way for them to " accidentally '' prevent customers from paying downtheir loans more quickly.
XXXX XXXX University has violated my rights under FCRA. They placed a charge off account on my credit report in XX/XX/XXXX that is inaccurate. They certified to Experian that I settled an account with them in XXXX. I sent a debt validation letter to XXXX XXXX over 30 days ago, and they have not responded therefore they need to remove the account from my credit report. They reported I settled an account with them, but have failed to provide proof that this occurred. I am planning to file suit due to their dishonesty. 

Experian continues to report debt but has not verified the accuracy of the account even though Ive disputed it several Times. Experian allowed XXXX to report this account last month as a charge off settled legally for less than what is owed. I never settled an account. I do not have an account with XXXX XXXX. This is inaccurate reporting and both companies have violated my rights under FCRA. I have filed a complaint through BBB. The next step will be a lawsuit against both companies.
I was applying for a bank account for a XXXX XXXX XXXX at First Republic Bank and I gave my SSN and did not authorize them to run my credit but they ran it anyway. This is unacceptable banking behavior and I hope you can let them know their mistake and remove the negative points on my credit report.
In XX/XX/2018, I tried to open a checking account for my business transactions for my business over in XXXX. I already had a personal account and business account with First Citizens Bank and wanted to keep my overseas operations separate from my US XXXX activity. The bank refuse to open my account and told me that I was involved in a love scam, which was not the case. The bank made this allegation up on their own. Because of the negligence of the bank and using false allegations against me, they cause me personal harm to my character, monetary lost to my XXXX  business, and closed an account that I have with he bank for over 30 years. 

They said that I was in a love scam when I wanted only to open an account to pay my attorney for the transfer the ownership to my name and to give authority to my managers of my XXXX   plantation. 

I also felt that I ws treated differently because of my XXXX XXXX   Heritage because of the manner that I was treated. I AM A XXXX XXXX   XXXX COMBAT VETERAN AND A LONG TIME BUSINESS OWNER AND PRIOR ELECETD OFFICIAL in XXXX County XXXX. and respected by many people in this county. XXXX discrimination should not be tolerated in any form and covered up bu using old and irrelevant policies that are outdated. 

This is First Citizens Bank and Trust Headquartered in XXXX North Carolina. I have additional information if you require it.
EQUIFAX IS REPORTING FALSE AND DAMAGING CREDIT INFORMATION. 
XXXX DEPT. OF H XXXX, is a fraudulent account en toto.I have never paid them anything.When I contacted them they said they were going after the filer for fraud, yet they have created this false record ... .all the while I had a contract for child support, for the same children in XXXX XXXX
I signed up for the XXXX XXXX XXXX Mastercard offered by Barclay Bank on XX/XX/XXXX. This card comes up with an annual fee of {$89.00} for each year of membership, which I paid during the first month when I signed up. When my one year came around, I decided that I no longer want to keep the card open and on XX/XX/XXXX, contacted Barclay requesting to close my account. At this time, they had charged the annual fee of {$89.00} ( for the upcoming year ). I was told by the customer service representative that since I am cancelling and not renewing my membership, the fee would be reversed and the balance XXXX  out. This was not done and I was charged a late fee of {$19.00} on XX/XX/XXXX. I called and spoke to another representative named XXXX, ID # XXXX, on XX/XX/XXXX regarding this matter. He stated that the last representative did not do what she told me she would. He apologized and stated that he would make sure the annual fee and the late fees would be reversed. I confirmed with him multiple times that this would be done as I do not owe these fees since my card was closed. He understood and stated that he documented the file. On XX/XX/XXXX, I was charged another late fee of {$19.00} ; none of the charges ever reversed. Once again, I was lied to by Barclay 's representative.
On about  XXXX   XXXX  i had my   XXXX   XXXX   account switched to my business checking for auto pay and  XXXX  dollars over the min payment and then I get notified on the  XXXX  of  XXXX  that im 2 months behind they have record of me switching it but evidently messed up and put auto pay for  XXXX   XXXX  then told me they could not do any thing to reverse what had  XXXX  reported to credit agency so this has ruined my 8 years of  100  percent payment history and dropped my score now my other credit cards have lowered my limit by thousands inaffect raising credit utilization lowering score more and raising interest and payment I have worked really hard at hav ing 100 percent  history and never make min payment for 8 years for this to happen over   XXXX   XXXX  t mistake is not rite and for other cards to lower limit raising utilization is even worst I hope someone can help me thanks  XXXX
Had been receiving robo calls about lowering an interest rate to 1 % on a CC. We always just hang up on it. Today XX/XX/2015 I stayed on the line. Very convincing person who goes by name XXXX XXXX operating number is XXXX I chose to go a head with the call due to having some difficulty with our finances and Im always trying to save money. 
I did tell him that I changed my mind because it did not see right.
I previously filed complaints [ Case number : XXXX ] and [ Case number : XXXX ] concerning receiving statements from JPMorgan Chase & Co that are not mine. Today I received a letter from XXXX XXXX Officer Global Compliance Operations JPMorgan Chase & Co stating the issue was resolved. Coincidentally I also received an additional statement that is not mine.
Recently on XXXX XXXX XXXX I needed to place a security freeze on my TransUnion credit report. This is supposed to be done most conveniently on the website. However it is somewhere between very difficult and impossible to place a simple credit report freeze on the TransUnion website. XXXX is constantly redirected to other services, most of which are subscription services. Finally, there are links to a telephone number, which when you call this number, you are again bombarded with solicitations and marketing. Aproximately XXXX hours later I stopped trying this for the day. XXXX XXXX XXXX, I went straignt to the number and worked through approximately XXXX mnutes of advertising in order to place a freeze on my credit report. 
Also in all of my searching the XXXX website I was unable to find a mailing address to send a freeze request to, or to find any listing of documentation or other re information necessary to do this. 

TransUnion should be required by your agency to to make credit report freezing easy to find, perform & document without having to put up with several hours of marketing nonesense. Seeing as how they are required by law to provide this service, I see no reason why they can not or should not be compelled to make it fairly easy and fairly XXXX for the consumers such as myself.
I was a customer of XXXX from XX/XX/XXXX until XX/XX/XXXX and had never been late or missed a payment. The original contract expired after a few years so I had no obligation to continue the service. In XX/XX/XXXX I notified and cancelled XXXX and switched to another provider. XXXX claimed I owed a {$150.00} cancellation fee but I had never signed a contract extension. XXXX said I automatically took an open contract when I accepted a newer piece of equipment they offered [ unsolicited by me ]. I do not remember being informed a new contract was involved. My credit history is clean except for this erroneous claim and I am not paying what I do n't owe. Companies should be required to get a new signature accepting a new or extended contract before they can enact that new or extended contact, i.e., no automatic opt in but instead, a clear customer choice to do so or not. My Experian credit report went from XXXX on XXXX to XXXX on XXXX because an agency hired by XXXX issued a past due account of {$150.00} [ as of XXXX ] after I did n't accept their settlement offer of {$77.00}. I would appreciate the CFPB making an effort to require companies to be more upfront with customers in situations like changing contract obligations. Thanks for reviewing this complaint. 
XXXX
We have had several banks over the years go under or get in trouble and we get sent to a different lender. Some times we pay the payment and then it gets frozen in the other banks account by government and then it takes months to show we paid in the mean time we have proven we made it cause it is on bank statements, yet the new lender would charge us late fees. We went to court over it 2 years ago with XXXX and thought they were to remove the fees move the payments and the new lender was going to lessen the amount since they had increased fees which was not due to anything we had done. Not having a lawyer we could not fight them and so we paid the amount sent to us even though other paperwork we had showed a lessor amount. We would receive foreclose paperwork every month and when I would call they would say disregard it is sent automatically and since we had paid the payment it was no longer actively being pursued. When we asked why our payment was higher than what was agreed upon in court they would give us a comment like taxes went up but when we called clerks office they had not, then it was insurance increase, we called no it was the same. We had a decrease in pay with my husband losing his job after XXXX and being limited to weight he could lift, FMLA ran out and the job let him go saying he could return once his limit increased but they no longer would hold his job. We missed 2 payments I sent in letter saying what had happened and said we would pay those payments over time and we had been, we were paying our monthly payment but we also were getting some late fees each month. We received notice of possible forecloser again so I called again and they said we will cancel it and send out a notice of what was owed to get caught up. When we received it the amount showed XXXX missed payments so I again called. They told me they had declined my last 2 payments and needed to contact XXXX to receive the money. That was for XXXX payments 3 months before. I asked why we had just now been informed and only after I called to find out. XXXX is who sent me a notice I had money to come get not them. We were told we had until XX/XX/XXXX to decide if we wanted to pay the fees of over XXXX and start making payments again or they would proceed with foreclosure yet 3 days later we received court papers for the foreclosure. We want all documents they have to explain all the fees they say we owe and where they got the amount from. Please help us. We did contact a lawyer but they said this was our first step. We have worked so hard over the 10 plus we have been in our home and feel we are being bullied by cooperation. We pay our payments when others just walk away leaving the home we have worked so hard, put our own water lines and electric lines in, did our own XXXX foot driveway, cleared the home site ourselves with a small yard tractor. 
Thank you, XXXX and XXXX
Today I had paid my balance of {$550.00} in full, and yet the customer service representative mentioned to me I would be responsible for {$250.00} in additional interest because I did not pay this promotional balance in full by XX/XX/XXXX. This is unfair deceptive and misleading business practices UDAAP and Fair Debt Collection Practices Acts ( FDCPA ) because I never received any disclosures or clear information to this effect. I am absolutely disgusted by these mob collection tactics by Best Buy and Citibank. 

Previously, I had submitted a complaint in XX/XX/XXXX about excessive interest charges which were never disclosed to me, on or around XX/XX/XXXX, Best Buy/Citibank had credited these excessive charges and installed a promotional rate as of XX/XX/XXXX, which misled me to believe the promotion would be in effect through XX/XX/XXXX. 

Further, I have never received my Best Buy Credit card, any monthly statements, and because I do not have my Best Buy credit card in my possession I am unable to view charges online, etc. This lack of information is denying me the opportunity to be able to act proactively on any account changes. 

I have set my account on autopay to show my good faith since XX/XX/XXXX, and I call in repeatedly to verify my account status in good standing, and NEVER ONCE did the customer service mention the loss of a promotional rate and which date it would be occurring, etc.