WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I placed money on my prepaid debt card to make a final payment to a pawn shop. This final payment was made to receive my merchandise on the same day. It was so unfortunate the company was given my card to make the final payment of {$190.00} and then I was told that I did not have the money on my card to make the payment. THIS WAS a lie! I had all documents to prove the amount I actually had on my account. The company argued with me that they never got paid my funds. Although I was able to show proof with my documents from my accounts. To this day XXXX XXXX, 2015 this situation has not been resolved. The PLS company district manager has been notified, and is aware of this situation as well as the XXXX Bank that processes prepaid transactions. 

The corporate office of the XXXX XXXX XXXX XXXX has been notified in their accounting department. The company has been in touch with me and they are stating to me their bank Never Received my payment. XXXX way conversations have been made with the district manager of PLS in the XXXX area, and the XXXX XXXX XXXX XXXX in XXXX XXXX is trying to get the money put back on my prepaid card, so I can receive my merchandise that belongs to me. 

The district manager at XXXX promised on XXXX XXXX, 2015 at XXXX pm it would take XXXX hours for their team to do the investigation. I have not heard from this woman nor her investigation team. I have gotten the run around from XXXX parties. I have tried reporting to the police department, only to be told that this is a civil matter. Please notify me on what I should do next in this bizarre situation. I want what is due me XXXX.
XXXX XXXX XXXX XXXX, On all of my credit reports my creditors are reporting my actual payments. I have gone there for 1.5 yrs begging them to audit my acct. I have a truck loan their and it is a open ended loan. My Payments have gone from XXXX a month to XXXX and I stopped making my payments because I had been trying to buid my credit and it wasn't going Up. They have had bounty hunters call and harass me. They threatened to put warrents out for my arrest. Mocking my name. I disputed them with XXXX XXXX XXXX. They asked for documentation for the proof of my payments and they couldn't or wouldn't provide any. All three bureaus removed them from my credit report. I went to traded in the vehicle and I have a car with XXXX XXXX me to credit union as well. XXXX XXXX XXXX kept canceling and reinstating my policy and the craving is new about it before I did. They forced CPI insurance of {$4000.00} a piece making the vehicles close to XXXX to XXXX upside down. I want to XXXX XXXX in XXXX Texas and found a truck that had a net positive equity to eat at the negative equity that they placed on it. I asked him to finance it traded into vehicles only having one payment neither one with finace. I got three or four letters from lenders telling me that if I wanted to know why I was turned down to write them so I did. Their answer was XXXX for did not complete my application process. I had left XXXX XXXX XXXX going to XXXX XXXX XXXX XXXX XXXX last year I was going about twice a week for an entire year back-and-forth. The finance lady XXXX upstairs bedroom credit union called me and I told her that I was to be trading in those vehicles not giving them back and leaving XXXX XXXX XXXX XXXX XXXX I had to stop for gas. Are used my doubts credit Union debit card and it was declined. I called them and said why is the declined I have many in there she said that they had taken all the money out of my account and apply it towards the truck. I said I'm at a gas station with no gas she said let me ask my supervisor if I can pay {$25.00} back on your card so you can get gas. She came back and said that it had been approved but they had to cancel my debit card so there was no gas and I was approved. I have an attorney and we serve them in XXXX a few days later with a freeze on Equifax and fraud alerts other bureaus my alerts said that XXXX got a crazy exes my credit report and when XXXX  had to verify my identity. My address was their address XXXX XXXX XXXX, XXXX, TX with my new address and I did my home for 10 years.
I had a contract with XXXX back 2013 and quit the contract 2013 and paid off all my debt, ever since then i never had anything again to do with XXXX, only for me to see this year a collection agent sent me a note of debt from XXXX, then am preparing for deployment which i am now on deployment, the collectors threatened to report it to credit report, as i check my credit report i notice a negative report from the collectors about a debt with XXXX. I never knew this collectors and am not owing XXXX
I HAVE AN ELAN FINANCIAL SECURED VISA CARD. I HAVE PAID OFF THE CARD AND THE COMPANY SAYS I HAVE TO WAIT 60+ DAYS FOR MY SECURITY DEPOSIT OF {$3500.00}. I DO NOT THINK THIS IS FAIR. THEY SAY THEY WILL NOT CLOSE THE CARD TILL THERE IS NO ACTIVITY FOR 60+ DAYS.
In XX/XX/XXXX I paid my account in full with a verbal agreement made by Westlake Financial to delete the entire account off all three of my credit reports. XXXX still shows the account as open. XXXX and XXXX show them as closed and paid. They payment history on all three are showing different information. XX/XX/XXXX, I received a letter with no acknowledgement or agreement of removing the accounts. They refuse to delete this information as verbally agreed by them in XX/XX/XXXX.
I purchased {$200.00} worth of Ethereum totaling XXXX ETH after fees off Coinbase. There was an error and I received an email cancelling the order. The occurred on XX/XX/XXXX. My bank account was debited {$200.00} and the charge is not reversed. In my transactions, I see the amount purchased and another event called " Sent to coinbase '' showing the purchased Ethereum transferred out of my account. Coinbase has not responded since.

Case # XXXX.
The company is reporting adverse information to the credit reporting agencies ( Equifax, XXXX, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
I am the co-signer on XXXX student loans with Sallie Mae. The terms and conditions of the loans I have taken state that any payment received will be first applied to satisfy the minimum due amount for all loans, and any excess amount will be applied to the loan with the highest interest rate. I have sent a letter to Sallie Mae with the same instructions, and asked them to keep it on file. 

For the past XXXX payment cycles since taking the XXXX loan, Sallie Mae has not followed these terms. Instead, they apply full amount to XXXX loan, and let the other loan go into arrears. In addition, they initiate an automated calling prompt to my home phone, my cell phone, and the student borrower 's cell phone, in escalating frequency. These have continued even after I have had numerous telephone calls and assurances that this issue is in the process of being resolved. I am left to assume that Sallie Mae is unable or unwilling to change their processes without intervention from their regulating authority. 

I consider these unwarranted auto-dial calls harassment and ask : 1. for them to cease immediately, and 2. for the CFPB to instruct Sallie Mae to follow the terms and conditions of their promissory notes. 

I ask that the CFPB intervene specifically on my behalf, and if there is any class actions that can be taken, I want to consider being a part of those. 

For reference, today I have spoken with the following people at Sallie Mae who have been unable to resolve this issue : XXXX in Tennessee ; XXXX in XXXX, DE ; XXXX in XXXX, DE ; and XXXX, in XXXX, DE. XXXX 's employee number is XXXX.
I read about the Equifax breach on the morning of XXXX/XXXX/XXXX, and decided to look into it to determine if my data was at risk. 
I visited the www.equifaxsecurity2017.com website, and thought it was interesting that it was a separate domain instead of a sub-domain of the equifax.com domain. I did additional research, and checked the XXXX records, which appeared to be anonymous ; I could n't find any information in the XXXX record indicating any affiliation to Equifax. I did a little more digging, and found a news article XXXX https : XXXX? XXXX ) indicating that the site was, in fact, set up by Equifax as a breach notification website. 
I submitted the information requested ( last name and last six digits of SSN ), and was told that my data may have been involved in the security breach. 
I 'm quite frankly concerned and bewildered at why it took Equifax so long to disclose the breach, and why I had to learn that my data was involved by stumbling upon an article rather than the company reaching out to me. 
I 've placed a fraud alert on my file through XXXX XXXX website, so I should have a 90-day window to detect and prevent any misuse of my data, but if my data is still out there, it could be floating around cyberspace forever.
SANTANDER/XXXX XXXX XXXX. 1 ) 3 COMPLAINTS FILED WITH NYS DEPT.of FINANCIAL SERVICES. LENDER PROVIDES NYS WITH CORRECT ANSWER THEN TAKES OPPOSITE ACTION WITH THE BORROWER. LENDER HARASSES BORROWER WITH COLLECTION ACTION BOTH WITH CORRESPONDENCE, PHYSICAL HARASSMENT BY ENTERING MY PROPERTY, AND PHONE HARASSMENT. AS OF TODAY MY MORTGAGE IS PAID TO DATE AND THE NEXT PAYMENT DUE IS XX/XX/XXXX TO COVER THE PERIOD XX/XX/XXXX -XX/XX/XXXX. THIS LENDER BELIEVES THEY ARE ABOVE THE LAW. IN XX/XX/XXXX WE HAD A CHAPTER XXXX BANKRUPTCY DISCHARGED IN THE STATE OF NEW YORK. WE NEVER REAFFIRMED OUR MORTGAGE WITH SANTANDER/XXXX YET LENDER IS CONTACTING THE BORROWER WITH THEIR 3 PRONGED ATTACK. THEY EVEN ADMIT TO AS MUCH IN THEIR RESPONSE DATED XX/XX/XXXX. THIS NEEDS TO BE STOPPED IMMEDIATELY AND LENDER SHOULD BE PENALIZED FOR THE FULL AMOUNT OF THIS MORTGAGE. WE PAY OUR MORTGAGE MONTHLY ON OR ABOUT THE XXXX OF EACH MONTH AND HAVE CONTINUED TO DO SO SINCE SOME EXTREMELY DIFFICULT FINANCIAL TIMES ( HURRICANE SANDY FOR 1 ECONOMIC COLLAPSE 2ND ) THIS LENDER HAS NO RESPECT FOR THE LAWS THAT PROTECT US DURING THE DREADED BANKRUPTCY PROCEEDINGS. PLEASE TAKE ACTION.
I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.
I noticed that there are XXXX federal lawsuits against the Navient Corp for the way they handle consumers who requested repayment plans. Exactly what happened to others about their student loan happened to me. I called the company and requested to work a payment arrangement based off income. They said they would get back with me. When I did n't hear from them I went into my loan information online and found they had deferred my loan. This was the second time they had done this in 2 years. I am willing to make the payments, but my income was not going to accommodate the amount they were requiring. This loan comes off deferment next month and I will again call them to arrange payment plans.
I have multiple accounts with Regions Bank, and have to transfer money regularly to maintain a positive balance. However every time I manually transfer money to avoid overdraft fees, they make the transfer appear as if they did it as a courtesy, and charge a {$15.00} fee. I am constantly on the phone with a representative about these fees, and they are often refunded. 

Most recently I made a manual transfer in order to manor an ATM withdrawal in the amount of {$100.00} on XX/XX/XXXX. After the banking activity cleared, the transfer was changed to an overdraft protection transfer, and a {$15.00} fee was attached. 

I made another manual transfer on XX/XX/XXXX for a {$54.00} purchase that cleared on XX/XX/XXXX. On XX/XX/XXXX the transfer again was changed to an overdraft protection transfer, and a {$15.00} fee was assessed. 

On XX/XX/XXXX I was charged another {$15.00} overdraft protection transfer fee. I was also charged a {$36.00} NSF fee. 

The transfer activity that took place on XX/XX/XXXX would not have been necessary, if the bank did not improperly charge me on XX/XX/XXXX and XX/XX/XXXX. 

The addition of the charge on XX/XX/XXXX caused me account to go into a negative balance, and a {$36.00} fee was assessed.
they closed my accounts and its been almost 2 years and cant resolve nothing .I bought XXXX Bitcoin at  that time and they never gave me the coins. 
they canceled the transcations. 
i have proof of emails.
All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Equifax XXXX XXXX XXXX XXXX- XXXX two times XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX- Equifax XXXX XXXX Equifax
Equifax  Tax Lien Federal  I have on several occasions sent notes to the reporting company to remove derogatory information from my credit report. While there where  XXXX  items I requested they remove and supplied them with all information regarding both they removed  XXXX  and to date still have not removed the  XXXX  item Notes and information was sent thru Post Office mail on   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  and  XX/XX/XXXX   every time I check my report thru  XXXX   XXXX  this  XXXX  item is still there even after I explain the law that said this was to have been removed with in 30 days of it having been satisfied. I got this information from the IRS web page. I understood this to have been removed in    2012  and now 5 years later it is still there.
This new collection appeared on my credit file which I do not have a new XXXX collection. I have fought this same thing with a prior agency and now it appears again with a new company. Please help
I placed a dispute for a charge I did not authorize at all for {$130.00} which caused my account to go into the negative. The bank had the audacity to not even contact me to say it was denied which is crazy. I was given the run around by a representative and a manager. I had it up to here with TD Bank.
I have been a Wells Fargo customer since XX/XX/XXXX. On XX/XX/XXXX, I had misplaced my wallet and was in need of cash. I went to Wells Fargo bank @ XXXX., XXXX, CA,XXXX to withdrawal {$40.00} out of my account and before I got into line I spoke to one of the customer service reps standing in front of the line and explained my situation. The rep proceeded to tell me without my ID they would not allow me access to my acct. I explained that I misplaced my wallet and did not have my ID and the rep again told me there was nothing they could do. 

As an individual who has worked in the financial services industry for over 20 years I am fully aware of how to verify a customer 's identity without an ID. I then called the XXXX customer service number and informed them of my situation the rep stated without an ID, I could not access my funds and then told me to " borrow money from someone ''. I demanded to speak to a manager and was transferred to a " XXXX '' who refused to help me and transferred me to another dept. and after being placed on hold for over 30 min, I spoke to some individual by the name of " XXXX ''. This person refused to help me and would NOT escalate my complaint or issue any further. When I told XXXX that there are a number of ways to verify my identity, such as : signature card, last four of SSN, security questions, transaction history, mother 's maiden name, DOB, address ... .etc., XXXX refused to admit that those were valid forms of ID. When I asked her " if that was the case, what 's the point of having a Sig. Card, security questions, or tokens?? '' she refused to answer and then hung up on me. 

I HAVE BEEN DENIED ACCESS TO MY FUNDS AND WELLS FARGO REFUSES TO HELP ME. 

Also, when I go to branches to make withdrawals, I AM NEVER ASKED FOR ID other than my PIN.
I go to look at my credit score on XXXX and I look at my report through XXXX and there is an Hard inquiry from XXXX XXXX XXXX. I have never applied nor had any kind of account with them so i called them and they confirmed that they do n't have anything on file for me and never have. Then i call XXXX XXXX to see what was going on and I was told to call XXXX who directed me to you all because they could n't help me which is why i am filing this complaint.
To Whom it may concern, I completed a dispute regardi ng  XXXX  hard inquires. I then mailed a Multiple Inquiry Removal  Letter  on   XXXX   XXXX   XXXX     at  XXXX  p.m., by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that are being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX   The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for all inquiries that have be en disputed which was " Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response not once but TWICE 2-4 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. It appears this company has a generic response to these dispute investig ations. I am planning to purchase a home this year and having this many inaccurate inquiries on my credit report can display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does NOT belong to me. I did not sign for  ANYTHING.  This is unfair practices by a credit reporting agency with NO concern for the credit worthiness of a consumer.
Performant Recovery , Inc., Financial consultant in XXXX, Oregon # ( XXXX, using name XXXX ). 
Has called family members, friends and my employer. Aggressively stating they have important info to provide and that they obtained their ( my family and friends ) info from a some type of reference.
My loan was with Honda Financial Services. My car was totaled after only 2 months. It was a new car with about XXXX miles. XXXX paid off most of the loan. I had Gap insurance as well. Honda dealership processed my paperwork for the Gap Loan and faxed all documents to the Gap Loan insurance company. Honda kept harassing me for the remainder of the payment after they received most of the money from XXXX and all warranties were repaid. Gap was the only remaining money owed to Honda. I had a legal contract with the Gap company. The Gap company was the responsible party for paying Honda, not me. The Gap company did not pay for months, stalling the process. Then, XXXX XXXX XXXX only paid Honda a portion of the remaining amount owed. I was harassed by Honda to pay the remainder of the Gap payment for months. I told Honda many times that I was not the responsible party any longer and that I had a legal contract with the Gap Company. Honda financial Services threatened my credit.Now, the remaining funds owed to Honda are on my credit and and I have a low credit score and can not finance a new car. I have bought XXXX Hondas in the last six years and paid every month on time. My payment history is perfect. I believe this is a form of extortion when companies demand payment that a customer does not owe legally. The company can threaten your credit and then customers may pay bills that are nor legally theirs just to keep negative information off their credit reports. I have paid entities in the past when threatened. But this time, I will not pay Honda money that I do not owe them. I have a legal contract that states that I am covered by Gap Insurance. Credit bureaus should not accept inaccurate information. All negative information on credit reports should have to be authenticated. Credit Bureaus are also at fault for providing a medium that will ruin a consumer by any unethical company or entity that has the inclination to threaten consumers. Consumers have no where to turn to stop this illegal practice. The government should take action in this matter in order to protect consumers from the illegal practices that effects an individual 's credit for years. 

My identity has been stolen two times by XXXX different people. I have been through a nightmare with no help from the credit bureaus. I am in my XXXX nightmare now. I vowed to never use credit after my identity was stolen. I will not be a victim of the thieves and the credit bureaus. I have not had a credit card since the 1990 's. I pay cash for everything or I do n't buy it, except cars, unfortunately. I assume this is another medium disguised as a genuine place to voice complaints that go no where.
I have disputed the XXXX XXXX item on my credit report on XXXX and Experian but both credit beaureaus have n't deleted the collection account.
I was unemployed in XX/XX/XXXX and experienced a substantial decrease in income. I contacted my mortgage company right away to look at options. They provided me with information to apply for a government mortgage modification that would potentially lower my payments. The mortgage company explained that I would need to qualify for a permanent modification by making 3 successful trial payments. They provided me with the trial payment amounts and I successfully paid each trial payment on time and in XXXX XXXX they made my modification permanent. After reviewing my credit report a few months later, I noticed that the mortgage company marked my payment late for each month of my trial payment even though they had set the mortgage payment amount and I paid as agreed. This has caused a significant negative impact to my credit score as it is one of the only negative items. Had I known that they would mark me late I would not have went through with the modification process. I have contacted the mortgage company on numerous occasions asking for an explanation, and the only answer I get as that they say they are legally obligated to report me late. I believe there lending practice was deceptive and predatory. I have asked them to remove the late payments and they refuse.