WillisBack/dataset-financial-user-claim huggingface dataset:
After logging on to my Bank of America Credit Card site ( XXXX XXXX, 2015 ), I saw that there was a message from Bank of America. The message stated that they were voiding and removing any of my Reward Points from my Elite Reward Program as of XXXX XXXX, 2015. I called the Bank of America to investigate. I was told that they sent a message to me in XXXX and that there was nothing that they would do to reinstate my Reward Points. I asked how they could do such an amoral action? I was informed that they agreed with me that it was wrong, but that it was a corporate action. The total value of my collected points was about {$700.00}. I was going to use this to buy airline tickets to my wife 's family for XXXX. Ahh!!!!! This is just not right. I have played by the rules my whole life regarding paying my bills and saving {$.00} Please help and let others know that their points have been robbed. Thank you
Equifax are to reinvestigate the negative item shown on my credit report and to provide PROOF OF ACCURACY OF VERIFIED ITEMS BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE OR TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. As of Today, I still have not received any valid proof of verification from Equifax yet they continue to report the items as accurate and verified. These account are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
On XXXX XXXX a check was sent to Navient via certified mail. The check arrived and was withdrawn from the account the the XXXX. The check had the account number in the memo line. After not seeing the payment post on my account, I contacted Navient and was informed that they dont have record of the payment. They requested a bank statement to confirm the money was withdrawn. I refused to send a statement as the check was written from a business account and I find it ridiculous that the company was able to deposit the check and now expects me to send more financial documents.
Dear CFPB Representative, On XX/XX/XXXX I initiated a transfer to my XXXX trading accountoperated and serviced by Coinbase , Inc, in the amount of {$2000.00} There was a disclaimer that the transfer could take up to 5 business days. On XX/XX/XXXX It was confirmed that my deposit was available. I tried to access my account for three weeks with an error upon login that finally turned to " You account has been temporarily suspended ''. I contacted Coinbase for the first time on XX/XX/XXXX ( Case # XXXX ) when my account still did not allow me access. I finally got a response onXX/XX/XXXXwith an email stating " Due to increased volume it may take several days to receive a response. '' I questioned the timeline of when my account would be reviewed and a decision granted and was told " these reviews are typically completed within 4-5 business days ''. 

After being ignored I contacted coinbase again of XX/XX/XXXX and was told by the rep that " Ive just checked your account and can confirm that your request has been properly escalated. '' I emailed again on XX/XX/XXXX, with the same response. I called the company directly with a 2 hour hold and the rep told me " If I told you an estimated time when your account would be reinstated then I would be lying '' I decided to wait a few more weeks. OnXX/XX/XXXX I need the funds for an emergency and contacted them that I will file a CFPB report if I my funds were not transferred back, and that I don't even want to patronize their platform any longer. I opened a new case as well ( Case # XXXX ) and revised the exact same response " Ive just checked your account and can confirm that your request has been properly escalated. ''
Had a XXXX XXXX card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from Portfolio debt collectors, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid
Transunion as well as XXXX  needs to update report as XXXX balance and as a paid and serried charge off as XXXX  has done in their reports which I will send photo of credit reports showing XXXX  reported correctly and transunion and XXXX has not. XXXX XXXX XXXX needs to notified transunion  and XXXX  as a XXXX balance and a paid and settled charge off
I have NEVER Had an account with XXXX XXXXXXXX this is crazy I do not owe this company anything. I have fought this many times and it is still listed on my credit file I need help I do not owe nor ever opened up an account like this. This company is a scam
To Whom It May Concern : I am disputing the charge of {$760.00} from XXXX CA because I was interested in purchasing an electric scooter a.k.a hoverboard, from this company back in XXXX 2015 and because of the price, declined to do so. While I was speaking to the salesperson for almost an hour in an outside flea market, which all the " stores '' were in a tented area, some of his sales people were surrounding potential customers frequently. I know I had my card scanned from a skimming device that takes your numbers off of your card and was charged. I saw the pending charge later that night when I looked online and it posted permanent two days later. It is a FRAUDULENT charge! I called the merchant the very next day at his phone number on the business card, which was either turned off or when on, I left a message with no return call. The same day, I also tried to email the merchant, but the email bounced back telling me that email address does n't exist. I 've filed complaints with the Attorney General, but was told only my credit card company can help me. I have tried to dispute, but to no avail. I am going to take this as far as possible if you wo n't help me because I have been taken advantage of and had fraud committed against me. I have attached a copy of the merchant 's business card. I 'm sure he is aware of his illegal business practices. Please help me resolve this. Thank you for your assistance!
XXXX placed a collection on my report by XXXX XXXX   XXXX and experian both deleted this on XX/XX/2017. XXXX came back and had XXXX XXXX to put the same thing and same amount on my credit report and as this time I have again asked to see and or know the method of verification and the description of the procedures used to determine the accuracy and completeness off the information was requested and they NEVER provided me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They also did not inform me in writing that the deleted item was going back on my credit with in five days of them putting it on as well.
I received a letter from Ocwen that I can cancel my escrow account because mortgage reached beelow 65 %. Ocwen is claiming to increase my escrow payments, even thought my taxes have been reduced. I submitted a request to cancel my escrow. I received a letter stating that my request was denied. 
My loan is not in default with the exceptions of fees that I am fighting with Ocwen ( see complaint XXXX ).
Initial debt with XXXX started in XX/XX/XXXX charged off account. Collection agency started reporting in XX/XX/XXXX. Still attempting to and reporting on a debt that is past the statute of limitations.
In or about XX/XX/XXXX I started getting mail and phone calls from Portfolio Recovery and Associates ( PRA ) about 3 separate accounts originally belonging to XXXX XXXX. I believe that the dates and amounts are grossly misrepresented and conveyed the same to the collector requesting validation for the alleged debts and failed to receive anything except for a demand letter. This occurred about 2 months after receiving the initial letters and calls. In XX/XX/XXXX I  moved and had not heard from them after I had demanded validation. In the Fall of XXXX, I noticed that these 3 accounts were on each one of my credit reports with the 3 major credit reporting agencies ( CRA ) : XXXX, XXXX, and XXXX. At this point, I disputed and re disputed these accounts with the CRAs with the same incorrect information being updated and further damaging my credit standing. Additionally, earlier this year in XXXX, PRA started reporting and did so SIX times an incorrect address in Arkansas on my credit bureaus causing a couple of creditors to flag my account. I have never lived or even been to Arkansas. Finally, I sent a demand for deletion to PRA and have not had any response and the accounts have not been deleted.
I have contacted CBA ( Collection Bureau of America ), multiple times via mail and telephone to inform them that I have never had an account with XXXX XXXX  or given anyone permission to open an account in my name with this comapny. I have also disputed this information with XXXX, XXXX, and XXXX. I have sent them proof of my identity, proof of social security number and proof of my address and asked them to stop reporting this information on my credit reports as the account does not and never has belonged to me. I have asked both XXXX XXXX   and CBA to provide a copy of the contract or credit agreement that I signed and to date have never received this information from them.
At the end of last year my statement showed I had {$550.00} in escrow. I paid another {$30.00} into escrow for the next 3 months for a total surplus of {$640.00}. Nationstar paid {$360.00} for insurance leaving {$280.00} balance surplus. 
Nationstar will not reimburse me the surplus.
Equifax,  XXXX  and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.
Good day. This is a complaint against PayPal. I became a victim of a scammer and mistakenly sent {$100.00} to the person who made a fraud, allegedly selling tickets to the concert via XXXX XXXX. That person asked me to send money via " For Friends '' option - which I did, being deceived by the fraudster. 
When I realized that I was robbed, I immediately contacted PayPal, providing them with my full correspondence with the fraudster, which made it clear it was a scam. When PayPal refused to do anything, I instructed my bank to stop this payment, which they did. When PayPal got information that my bank denied this payment to the scammer, they charged .... once again, my credit card tied to the PayPal account, knowing that this is a fraud, and I several times reported the email of the fraudster to their antiscam department. So basically they in PayPal do not care about scam and fraud and actually they help scammers to get their money. 
I can provide all relevant documentation ( my correspondence with the scammer and then with Pay Pal, who consecutevily ignored all my requests and emails ) Regards XXXX XXXX XXXX XXXX XXXX
A car dealership took my XXXX on trade and sold me a XXXX at XXXX {$31000.00} I did not qualify for the loan because I did n't have the income. The car salesman falsified income documentation and put down that I had military retirement income of {$1500.00}. per month, when in fact, I was never in the military. 
and my only income is {$920.00}. / month XXXX income. I bought the car in XXXX XXXX, but I live across the river in XXXX, so they did not tag & title the car. 
I ca n't afford the {$650.00}. to register the vehicle. I never should have been put this car. 
It bothered me that I bought it ... .I 'm typing this complaint on my neighbors computer because he insisted I contact you about this, because he feels they most definatly committed a fraud and do n't care about sticking me with this vehicle, only thatI keep it long enough where they would not have to buy it back from the lender, which is exactly what should happen because I 'm XXXX.
I received a letter from Enhanced Recovery services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from enhanced recovery services. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying enhanced recovery services, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted enhanced recovery and they denied removing from my credit report. I disputed the item with XXXX  and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what enhanced recovery stated vs the proof that I was refunded the amount i paid them proving I did not owe them money
At the end of XX/XX/XXXX ( XX/XX/XXXX I believe ) I went to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX- ( XXXX ) XXXX ) and I dealt with XXXX , one of the salesman. I explained to them that I had another 4-5 months left on my XXXX XXXX XXXX and that I was interested in looking at a new XXXX XXXX XXXX, but in order to do the deal they needed to pay off the remaining lease payments for my truck. We ended up coming to an agreement where they would pay my truck off and I would lease the new XXXX XXXX XXXX XXXX or at least I thought that was the case. I got the XXXX but about a month later, XXXX XXXX called me saying that I was delinquent on my lease payment for my XXXX XXXX. I explained to them that I did not even have the truck anymore and gave them XXXX XXXX 's information. I didn't think anything of it until I received another call a few weeks to a month later saying the same thing. I then got worried and started to call XXXX XXXX. They could not get me any answers and they kept saying someone would get in touch with me that they are looking into it. I kept texting XXXX and calling him, but got the same answers ( I have the text messages ). It wasn't until I refused to talk to the sales team and asked to speak to the general manager that I found out that both the General Manager ( who I dealt with ) and the Finance person ( who I also dealt with ) had been fired and they lost my deal/lease information and didn't pay off my car as promised. After finally getting to talk to the acting General Manager/Manager, they finally got to the bottom of it and had their corporate team cut a check. The reason I am emailing today is because it is already too late, my credit has sunk nearly 200 points and says it is now poor when it was very good. I need your help in correcting this. Please let me know if you need to see the text messages as backup
On XX/XX/2018 about XXXX XXXX I visited an ATM machine located at XXXX XXXX, XXXX XXXX NV XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX telephone number XXXX. My transaction was a withdrawal of {$460.00} - the ATM machine sounded a little funny while it was counting the money but never produced the money! I lifted the door where the money is dispensed and there was no money there. I received a receipt for the transaction- showing the debit from my account for {$460.00}. And I immediately called the telephone number located on the atm machine, I was told to call my bank and file a claim - Well my Bank is an American Express Serve Card that is prepaid, the ATM was labeled a XXXX ATM and all XXXX ATMs are fee free to use. I called AMEX SERVE customer service and filed a claim I was told I would receive an email, which I did, and that email states, '' We received your dispute for the transaction below and are currently investigating it. Well send you another email within 10 business days with more information, including whether or not were able to credit you for the charge. '' Trying to get through to customer service is ridiculous and takes a half hour to reach someone in XXXX. I tried to call them this afternoon and was on hold so long my phone went dead. It is or should be a fairly simple issue to resolve as these machines are suppose to have internal mechanisims to alert the ATM operator of malfunctions with the terminal, I called and reported it, someone should have come to check the machine and conduct an audit and fix or place out of order the machine.
Professional Credit account  XXXX  verified today on  XXXX  credit bureau a debt that was paid at time of service at  XXXX   XXXX   XXXX .   At the time of emergency medical service I informed the hospital and presented info. that I was covered by   XXXX   CALIFORNIA.This debt also shows on  XXXX  and   XXXX   as account  XXXX
I would like to dispute US Bank credit report and bill of XXXX that has named me solely responsible for a joint checking account my husband and I had while we were still together and married. I am not denying there was a sum of XXXX $ withdrawn from our account that BOTH of our names were currently on at the time. I tried to resolve this problem with my local institution by meeting with my bank rep in person and speaking with her several times on the phone. I tried multiple times to inform my bank that I was in a desperate and financially destitute time in my life, my husband had left the home, leaving me with all the unpaid bills up to 3 months behind on our electric. No food in the cabinets except ramen noodles to keep my XXXX son from starving to death. My rent is and was XXXX $ per month. not including water and garbage. I have no car since my husband had that repossessed as well. I am over XXXX years old and having to ride a XXXX bicycle to work in XXXX degree weather in XXXX. I had no financial support from my husband for child support or anything. I truly wanted to fix this problem and maintain my bank account. Instead. US Bank closed my account immediatedly when I was the only XXXX with direct deposit going in it since day one.. I am not denying that there was a XXXX $ withdrawl from our JOINT checking account. the total amount shown on my credit report is {$830.00} ... Now here is my issue.. If we had joint account together.. Why in the XXXX were .. or ARE they ONLY after my XXXX ... My husband 's name was on that account too. Yet, no where on his credit report has US Bank listed his Name for ACCOUNT ABUSE. & gt ; & gt ; & gt ; I am very offended that I have been singled out and been turned down now TWICE by XXXX bank to acquire a NORMAL checking and saving account. I have only been allowed a FREAKING DEBT card which is just about worthless except to pay bills with and shop. Yet my husband went down to the same XXXX branch that I bank at and got himself another PERSONAL CHECKING ACCOUNT with NO problems whatsoever. They freely handed him a XXXX card. I have busted my XXXX to try and fix all the XXXX and financial disasters that I have been left behind with to sort out and fix as best as I possibly can. I only want to try and rebuild my credit, establish a personal checking account with DIRECT DEPOSIT that I have had going into my XXXX liquid card for over 3 years now and getting NO good credit established this way.. Can someone please help me. I can only do and pay for so much being a single parent. Thank you so much for your time ... XXXX XXXX XXXX
On Thursday XXXX/XXXX/16 I attempted to sent {$200.00} to my Fiancee in XXXX on line by MoneyGram. I received an email saying that I should call MoneyGram to complete my transfer. I call an spoke with a lady who asked me many personal questions about myself including questions about my fiancee. I was told the reason why I had to call was because it was my first time sending money on line. I told her that was wrong it is my second time because I went through the same thing the first time. After answering all of the questions asked I received an email at XXXX XXXX saying : Your transfer has been sent. Give your receiver the reference # : XXXX and she will need the reference # and their Photo ID to pick up money. At XXXX XXXX I received and email from MoneyGram saying : Your transaction has been canceled and will no longer be processed and if I have questions to call them. I called them and the response was Money was not comfortable sending the money to your fiancee. What does that mean?. For the record I send the money from my bank account using my debit card. Why do I have to wait for XXXX to 10 days when the money was immediately debited from my bank account? What happens to my personal information that the employee of MoneyGram who was in another country asked me? What is the real reason for the cancellation?
I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since 2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX XXXX : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<
All XXXX credit bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.
I told this company yet again as I have been telling them for almost a year that I have pages of inquiries that are not mine. My husbands ex wife at some point ran our credit over and over in an attempt to mess up our credit rating after she was served with child support papers. Since then I have tried to get the reporting agencies to remove these fraudulent inquiries. All other reporting companies have complied except Equifax. Equifax almost cost me being able to get approved for my home we just bought. I am a XXXX and have been for 10 plus years, my husband is XXXX and all we are trying to do is live our life. We pay our bills and I do n't think It is fair that I am penalized for things I did not do. This company refuses to do anything about this. Everytime I file a complaint all they do is send me a paper that says " inquiries are of factual record '' and they ARE NOT because I did not give consent in any way. Verbal, written, implied or otherwise. It 's like these companies just do n't care that they report wrong information
never heard off XXXX XXXX, and i asked for validation and they send an itemized bill which is not validation and it is against the law for a company to be added to a 2 party contract if thats the case
First National Bank charged me over {$190.00} of overdraft fee in {$12.00} increments every 3 days while I was travelling outside the country. The original charge that caused the overdraft was less than {$10.00}. When I came back after a month, I called the bank to inquire about the charges and they told me that they closed the account and sold the debt to a debt collector. The bank has my email and my phone number but I believe they did n't make any honest effort to inform me of the account status.