WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, on Friday XX/XX/XXXX, I used the XXXX XXXX XXXX site to obtain my free yearly report from the top 3. The site timed out before I could download my report, but when I try to go back in, I get the message they 're unable to complete my request. It appears they think I already got the information I needed so my once-yearly transaction was considered completed. However, I was not finished with what I needed and now it appears I ca n't receive my yearly report from Experian. 

On a side note, the XXXX site says they 're unable to complete the request due to the high volume of requests after XXXX 's data breach. So I was only able to receive one of the three reports I 'm entitled to. 

XXXX, XXXX
XXXX XXXXXXXX XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance
They have now sent and got information about me through my bank and will not leave me alone they are threatening me everyday and they stole my personal information from my personal bank
I have been scammed by company called XXXX Home base business. With a counterfeit check in the amount of {$2900.00} and my bank has authorized the transition of that check less than 5 business day rule. I have been with TD bank for a while and I never overdraft my account and Now my account is overdraft and the bank wants me to payback the money because fake check was written under my name and was deposit in my account. I called my bank more than once and I went to the bank in person. They telling me that they have no way of knowing the check is bad. Until transaction take place. My question is if the banks that have seen all kind of bad checks and counterfeit money and they do n't have best methods of protecting consumers from frauds. Now I have to pay back the money that I did not use on my own. as a consumer I 'm requesting that FDIC need to have regulation to in force with the banking system on how to prevent Fraud and protect consumer of this country by purchasing the equipment that will detect counterfeit checks or money as soon it deposit not making money available unless the checks is real. I believe the bank should be able to have a machine that process checks and counterfeit money as it is deposit. That is the only way we can stop fraud activity and prevent me. I have been with TD bank for a long time never my account balance is law and ca n't cover my charges TD bank never authorized my transaction. How can TD-bank authorized this amount of money less than 24 hours and it a fake checks? Now my account is frozen and TD bank is telling me I over draft my account. I have no money to pay TD bank for this. I did not take money it is a Fraud activity that Bank is responsible taking it responsibility and preventing me as a consumer.
I called Transunion and spoke with a rep. today. about my inquiries being fraudulent. he said inquiries are factual. Inquiries are not factual and I have my identity theft police report. I did not authorize these inquiries and I want them taken off my report..i have attached my identity theft report.
Date : XX/XX/XXXX Amount in transaction : {$200.00} ( including {$3.00} transaction fee ) On XX/XX/XXXX, I decided to purchase approximately 200 dollars worth of bitcoin through Coinbase. The transaction went through successfully. Following the transaction, a window prompted me to verify my identity. Part of verifying my identity included my date of birth, which is XX/XX/XXXX. Shortly after submitting my address and date of birth in order to verify my identity, I received an email from coinbase explaining that restrictions had been placed on my account due to the fact that I am under XXXX. Because of the restrictions, I am unable to sell the bitcoin that is in my account, or send it to another account. The bitcoin is laying frozen in my account, and I can do nothing with it. This effectively means that this company is withholding XXXX dollars from me. 

At the time when I created my coinbase account ( over one year ago ), they did not have a policy stating that users had to be over XXXX. This new policy was implemented only a few months ago. I was never made aware of this change in policy - I never received an email, nor was I informed of this change when logging into the site. I think it is unfair that coinbase allows users to give them money without requiring identity verification, only to withhold that users money when they fail the ensuing identity test, especially when the user is never made explicitly aware of the policies & requirements involving identity. 

I was unable to get a hold of coinbase through the phone, as I was repeatedly met by an answering machine. I sent a support ticket, but I am skeptical as to how effective this will be, as most people in my position have commented online that coinbase can take months to resolve similar issues.
I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXXXXX 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/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is Experians responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.
I recently refinanced my VA mortgage loan with XXXX Bank. The terms and conditions of repaying that loan were disclosed at time of escrow closing. The monthly mortgage payment is due the XXXX of each month, and the borrower is provided a XXXX grace period before any late fees are assessed. 

Within just a few weeks following loan closing, the lender XXXX sold the loan to Pacific Union Financial LLC out of XXXX XXXX, TX. Pacific Union is trying to assess a {$5.00} draft fee for payments made after the XXXX of the month. They claim this is because they utilize a XXXX party servicer that charges Pacific Union Financial a {$5.00} fee to process. 

I have informed Pacific Union that they can not assess additional fees not disclosed or agreed upon in the mortgage closing documentation. They also state that they waive the {$5.00} fee for payments received between the XXXX thru the XXXX of the month, but choose not do so thereafter. 

That Pacific Union has opted to process payments thru this XXXX party server that charges them a {$5.00} fee is not the responsibility of the original borrower to bear. They have not offered to permanently waive this fee for payments received after the XXXX. We never agreed to these terms, and have always been allowed the XXXX grace period to make the mortgage payment ( previously financed thru XXXX Bank out of Michigan XXXX with no additional " late '' fees assessed and applied to the loan. We were not offered any input when XXXX unilaterally sold the loan to Pacific Union, nor have we or will we agree to additional monies being assessed against the loan amount for the " privilege '' of making online payments or failing to meet an additional due date over and above those agreed upon at time of closing. 

Thank you for your assistance.
The problem began when PNC Bank went through a conversion to the loan accounts in XX/XX/2018. Since the beginning of my loan, I have always paid my payments early even though I am set up for auto draft. I was guaranteed at the beginning of the loan that I could pay early with no penalty and the Bank would not take an additional payment from auto-draft since the payment had already been made. Since the conversion, they have been taking an additional payment from my checking account even though the payment was made early. On one occasion, I had to transfer money from another account as to not overdraw my checking and be charged overdraft fees. On another occasion, my checking was overdrawn and overdraft fees were charged and they took money from another account to cover the home equity loan payment even though the payment had already been paid early. PNC has even turned my account over to their collection department stating I asked for an extension due to hardship, which I never did. All payments have been made early and an additional amount paid to principle since the beginning of the loan. I have talked to several people regarding this matter since XX/XX/XXXX and nothing has been done. I get a response of " there is an open case on your account '' but yet the mistakes continue to be made. If I remove the auto-draft from the loan, they can raise my interest rate. They are taking money that I don't owe. Getting them to return it takes weeks. After five months, I should not be dealing with this problem.
My XXXX XXXX was awarded the credit card debt in our XXXX per the XXXX decree XXXX XXXX XXXX XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the XXXX, he has neglected to pay them, and it has dropped my XXXX XXXX significantly.
I submitted a modification on behalf of our client on XX/XX/2016. I have been calling on a weekly basis to obtain status. We sent a third party authorization on XXXX/XXXX/16 and another on XXXX/XXXX/16. I spoke to a representative from Bank of America by the name of XXXX in the Loss Mitigation department on XXXX/XXXX/16 who advised I needed to update our authorization. I called again on XXXX/XXXX/16 and spoke to a representative to confirm they received the authorization. On XXXX/XXXX/16 I left a message for relationship manager XXXX XXXX. On XXXX/XXXX/16 I spoke with XXXX who advised that they needed additional documents. On XXXX/XXXX/16 I spoke with XXXX XXXX who advised she reviewed the documents and file was going back to underwriting. On XXXX/XXXX/16 spoke to BOA again and was advised file in underwriting. I call again on XXXX/XXXX/16 and speak to XXXX XXXX and she now tells me out of no where that she can not speak to me or anyone on this file. I ask her why not and she replies I can not. I ask well who can I speak to? She replies I do n't know. I can not give you any information. After, 5 minutes of asking her to please refer me to someone she tells me I need to speak to their counsel and when I ask for the name she says she does not have it and ca n't give it out to me either way as she can not speak to me. I am filing a complaint because we send them a borrower 's authorization to speak and handle the loss mitigation file on behalf of our client and out of no where Bank of America says they ca n't speak to us and can not provide a valid reason as to why they can not speak to our office nor to the borrower nor can they refer us to the appropriate party with a name and phone number of who we should call. We would like a status of the modification and the name, number, and email of who we need to contact on this file.
To Whom this may concern, I am writing to file a compliant against PNC Bank. In XX/XX/XXXX we applied to a Debt Management Program and since then have been trying to get our PNC Bank credit card on this program. We have reached out and discussed this with PNC Bank several times, but have been given the run around. They have admitted to our Debt Management Program that they have received our proposals and information several times, but that they are not responding or processing our requests. This is affecting our accounts in a negative manner. We have since gone past due on the accounts and it is negatively affecting our credit score. We have been making payments through our Debt Management Program, but this is not satisfactory for PNC Bank. However they will not give us a direct answer as to why they are not working with our Debt Management Program. Currently they have written us a letter of Default for this account with a payment including fees and charges that would otherwise not be on the account if they had responded to us back in XX/XX/XXXX. The total due now for that account is {$640.00}. They are requiring {$310.00} to be paid by XXXX XXXX. This account is currently closed due to our request. We are asking that the proposal be applied onto our accounts immediately and backdated. Also that our past due balances be removed and that any negatives be removed from our credit report. We greatly appreciate your help in this process.
To whom it may concern ; I file this complaint with the CFPB as I have exhausted every other attempt to rectify a great economic injustice, more accurately described as a deceptive ongoing theft, that I have been and continue to remain the victim of. This financial crime has, to this point, cost me in the neighborhood of {$300000.00} by my rough estimate but could perhaps be as much as {$500000.00}. As part of this complaint I will be asking Wells Fargo and its predecessors, the perpetrator of this deceptive economic deception, fraud, and financial chicanery to fully account for the amounts they have effectively stolen, and continue to steal from myself, and by extension my wife and children. 

I have documented the issues in this complaint in the attached document as not enough space is provided in this form
Complaint against Sallie Mae I am writing today to complain about the handling of my student loans with Sallie Mae. Although I appreciate their consideration to provide me with a loan modification in XXXX 2017, they have reported me and my father 60 days late on our credit report. My mother, who is authorized to discuss my Sallie Mae loans, repeatedly asked the representative if this would impact our credit scores and we were told no you are not 60 days late. The representative who assisted us in arranging the automatic payment schedule even stated the day of the month initially picked would not be good because it would make me 60 days late, so we changed the payment date. In late XX/XX/XXXX, early XX/XX/XXXX, me and my father received a text message alerting us about a change made to our credit report. Upon further review, we found Sallie Mae reported me and my father 60 days late on my student loans. We have called Sallie Mae to lodge a complaint and resolve this matter but with no success. They said we received phone calls and correspondence regarding the loans being past due, which we are not disputing. But when we contacted Sallie Mae to ask why we were receiving the calls and letters, they responded they are automated and will continue to receive them until our 3rd automated payment was processed. We were never told our loans were 60 days late. We asked for a copy of all telephone transcripts of our previous conversations leading up to this point and were told they do not provide them. I understand we are responsible for the management of our loans, but we strongly believe we were misinformed and misrepresented. We reached out to Sallie Mae for assistance to try and avoid the exact situation we find ourselves in today. 

Based on our last phone call today, XXXX XXXX, 2017, to try and dispute this matter with Sallie Mae directly, they stated they will not correct the reporting to our credit reports since we were 60 days late. We are not sure if it will make a difference or not but me and my father have placed a dispute on all 3 credit bureaus against Sallie Mae for reporting us 60 days late.
XXXX XXXX XXXX sold my second mortgage to Green Tree/Ditech financial while I was applying for a mortgage modification. Thus I was unable to have my second mortgage reduced or eliminated under Federal guidelines. Ditech, knowing this was the case has refused to negotiate in good faith.
IQ DATA sent letter agreeing to remove fraudulent collection but is still reporting on my credit report.
Company trying to reach me on a phone I share with my brother. Lady called was extremely rude and hung up on my brother. He called back and they refused to give him any contact information for me to contact them back. Refused to let him file a complaint within the company.
There are a total of XXXX OPEN accounts being reported with this agency. 

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.
My bank is refusing to refund the transactions listed below. These are fraud! They were not authorized by me and no point. When these transactions came to my account my bank even put a block on my card and called me about them. I told them I did not do no such transaction. I was then told my card would be canceled and I would need to dispute these transactions as fraud once the hit my account. I did just what I was told and now my bank is telling me that they are not fraud. How can that be? I have never had any dealings with this company nor have I ever received any products from this company. 
XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX PURCHASE $ XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX PURCHASE $ XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX PURCHASE {$4.00}
In 2011, when I was naive to internet scams, I tried to sell some of my old video games on XXXX. The buyer sent me a check, asked me to cash it and then send the money to his carrier for him. This turned out to be a scam, the check bounced and the balance was deducted from my bank account. Key Bank closed the account as SUSPECTED FRAUD when the status was UNPAID. I proceeded to pay back the amount owed in full, but it still shows up on my report as SUSPECTED FRAUD and UNPAID due to the immediate closure of the account before I had a chance to pay it back.
Navient has been giving me XXXX about my student loans since I 've been dealing with them. Most of my loans are consolidated now but still a few with Navient are not and I 've been trying to take care of this situation over a couple of years now. They have me as defaulted on the XXXX website and it 's false information. This has also affected my credit rating.
I went into XXXX to get some clothing and handed over my credit card. As I was paying, the associate ask me if I wanted sign up for a credit card, so I said yes that would be fine. They handed me a card and I went on my way. Next month, I went into the store to pay my credit card and I went in and handed them the card they gave me. The associate said this was a rewards card and nothing to be paid. The associate was new and instead of trying to look if I had a credit card, just told me I had nothing to pay since it was only a reward card. So I figured that they must have used my regular credit card, not XXXX 's credit card, that I handed to them to make the purchase. A month later I got a letter from XXXX stating that I was now in collections, so I ran down to the store to pay it off and the supervisor apologized for the confusion and was able to locate my account and pay it off in full. I paid it off in full but she never mentioned that they would leave the late payments on my credit report even though it wasn't my fault. The supervisor apologized for their reps confusion.
My loan payments with Specialized Loan Servicing ( SLS ) was  paid current through XX/XX/2018. I sent in the XXXX payment in the amount of {$550.00} on XX/XX/XXXX and 18 days later, the check still had not cleared the bank. The bank advised me to stop payment on the check, which I did. SLS contacted me shortly thereafter asking about the payment and I informed them about the stop payment. A couple weeks later, I tried contacting them with the phone number they provided me so that I could pay the XXXX payment by phone. I could never get through to them. Nothing was done in XXXX because I was unable to contact them. On XX/XX/XXXX, my daughter was able to contact them and talked to someone regarding the back payments. They told her a phone payment could be made and we provided them with the checking account no. and routing no. A payment was made over the phone and a confirmation no. was provided us. As of today, XXXX XXXX ( 12 days ) they still have not received payment and the money is still in my checking account.
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
1. COMMONWEALTH FINANCIAL {$580.00} 2. XXXX {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
I requested a full loan consolidation on XX/XX/2012 online at student loan.gov and was advised by my loan servicer Nelnet that it was approved. I was just informed that it was a oartial consolidation. And I had to provide proof that it was a full consoldation even though the Advisor stated that I was approved for full consoldation. 

Thanks, XXXX XXXX XXXX XXXX XXXX
I applied for a loan modification through Chase, sent all of my paperwork and they will not review it. Chase advised that they will not review my information since i was previously offered a trial plan. Unfortunately, the trial plan that was previously offered was not affordable. Since the trial plan offered, my circumstances have changed and i am now receiving more income. I am in a position to accept a trial plan if offered. Now, Chase is telling me they will not re-open another loss mitigation workout for me. Please help.
XXXX XXXX XXXX XXXX, 2017 XXXX, WI XXXX ( XXXX ) XXXX This company make a hard inquiry without my consent. I call the number XXXX to verify why my name a social has been used to make business. They say " we are allowed to make hard inquiry on future costumers '', so who gave you the permission to do it because so far my social security number, name and address are not located in a billboard?. So basically they do as the please and your score goes down 9 points.
XXXX XXXX XXXX XXXX XXXX gave me settlement option on a capital 1 debt.The change the option to full payment after I missed, the last payment fromXXXX to XXXX