WillisBack/dataset-financial-user-claim huggingface dataset:
I called Cashcall about paying them off as I was trying to since I did not know the interest is almost $ 200 % and I have made over {$1000.00} in payments in a {$2600.00} loan and I owe over {$3500.00} I called in to move the date for draft and was advised no problem. Now I get an email saying they are debiting my account for a past amount due to the date being moved. As I advised they never told me about it and how can they just debit my account without my permission. They told me I gave them permission to just debit my account whenever as I advised NO I DID NOT. I asked them to show me in the contract and they said someone will have to call me back. I did not agree to this charge and they have adjusted my monthly payment to reflect the additional fee.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, und er Section 611 ( 5 ) ( A ) of the FCRA- t hey are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manner as soon as possible. Thank you.
I sent verification/validation letter to XXXX and XXXX the week of XX/XX/2017 and after there was no validation of the debt XXXX delete this debt than added it back to my credit report and XXXX  or Allied never sent anything proving this debt
I have already handled this through another company through the CFPB and was told that it would be removed completely from my credit report. 

On XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX XXXX. via the CFPB saying " Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed. '' They responded and sent me a fraud packet to fill out and mail off to XXXX XXXX XXXX which has not yet been responded to ; Specifically they stated " On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) contracted XXXX to collect the unpaid balance of {$1600.00} from XXXX   XXXX, XXXX, TX. According to XXXX XXXX XXXX, the account became delinquent XX/XX/XXXX. Ms. XXXX   complaint revolves around fraud. Mr. XXXX may visit XXXX XXXX XXXX to obtain XXXX XXXX XXXX fraud process. XXXX has attached XXXX XXXX XXXX fraud packet to this response. XXXX XXXX XXXX provided XXXX with billing statements which has also been attached. '' regarding the fraud packet completion as part of their response. 

I would like to have this immediately removed from my credit report as it already was ; and I was told this would not be a future issue. 

Thank you for your assistance with removing this.
Hello, I am writing to you in regards to my mortgage with Chase Mortgage Company. I was recently approved for a loan modification. However, I have concerns as follows : During the 3-month trial phase, Chase, again, as they did several years prior, neglected to properly process my on-time payment. It is now recorded as being late. As a result, the final documents for the modification were not sent out as was initially indicated by the Chase representative. I not only had planned to be out of town ( planned several months prior to this incident ), but upon my return back to town, I was only given 2 days to review the modification contract. When I contacted Chase to inform them that not only did I need more time, but that I also had the flu, I was told that if I did not sign and have papers notarized and submitted back within the two-day time frame, that I may be kicked out of the modification process. When I again explained that I need some time to review the contract and that I had XXXX, I asked the representative if I can not get it done in two days, " What is plan B? '' His response was " There is no Plan B. '' I was forced, in my illness, to go have papers notarized and submitted. I still am unsure as to what I agreed to. 

Since then, I have tried many times to reach my assigned specialist. Although Chase sent a document indicating my specialist has changed and was provided me with a phone number and a new extension number to this new specialist, there is no direct method for reaching this specialist through this provided contact information - not just for me but for all clients. Instead, incoming calls are routed through an automated process, and then the agent who eventually answers the call, places the client on hold while they attempt to reach the specialist or another specialist to assist the client. Inadvertently, they return back to the line to inform the client that nobody is available and then they offer to take a message. The message is never responded to. I have tried this process several times and never get a call back. This has been going on for several weeks and it takes anywhere from 30 minutes to over an hour just to go through this method. 

I still am unsure of what I have signed and have agreed to. I signed under duress. I was able to speak with one person last week, but, when she attempted to read the numbers on the contract, she could not read the numbers correctly ( mistaking {$100000.00} as {$100.00}. ). She tried to help but could not answer my question, instead put me on hold and returned back to the line indicating she had asked somebody else and that she believed my understanding of the contract was correct. This is very unsettling as I have been lied to so very many times by this organization. When a representative can not even read numbers correctly, I still am left to feel uneasy about what I have signed. 

his home is the biggest purchase I have ever had. I want to feel at ease and feel that I understand what is happening. I have basically signed a modification for a home with me now owing much more than the value of the home. I need help. 

Please assist me in this issue. 
Sincerely, XXXX XXXX
Over three years ago someone at or through XXXX Bank transferred money from my citibank NA charge card,,, I notified citibank of this authorize transferee they did nothing to stop it and two other ones. I canceled their card and paid what I owe them. Now they are using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect this illegally transferred money. They call daily event on the weekends and keep sending mail.
I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a 4th payment on XXXX XXXX.
Financial organization : CoinBase Through Coinbase exchange I purchased a Bitcoin from coinbase in fractions over time. When I had XXXX Bitcoin I put that bitcoin in Coinbase Vault for safety. While creating the safe I was told that it will take 2 days for a withdrawal ifwhen needed and involves approval from 2 parties ( primary and secondary ). Approval is gained by sending the email to both parties. Once the parties approve the email the extraction process starts and finishes in 2 days. 

When i actually tired withdrawing my Bitcoin the verification email did n't come to the registered secondary approver 'S email ( of my husband ) and hence the process did n't even start. All other emails from Coinbase arrive just fine ; Only the vault approval emails are not received. I 've tried all the steps suggested by their chat bot but it did n't resolve the issue. 

Tried this process many a times but I get the email for approval but the secondary approver does n't. Email address is correct as all other emails from coinbase come to both addresses just fine. 

I 've filed numerous ( 3-4 ) complains starting XXXX XXXX to coinbase and every time I get the acknowledgement of the complain but no action is done. I 've also wasted many hours on phone at their support line but never got to talk to actual person. 

My husband did some research and learnt that they time to time blacklist email accounts and hence the emails are never delivered. 
XXXX XXXX : He filed a few request to fix the email issue but to no avail. After filing the complain all we get is an acknowledgement and some pre-canned text to try self-help steps. Tried all, none worked. 


Initially it was frustrating but now it 's getting depressing to not able to withdraw my on funds. Coinbase charges a very high fee ( highest among all exchanges ) to give services but is worst in customer service. To me it costed hundreds of dollars in fee alone. 
You will find numerous Coinbase related issues on XXXX and other forums. 

I truly regret going to Coinbase. 

Kindly help me to resolve my issues. Once my issue is resolved I 'll close my coinbase account. 

I 'll be happy to provide any more information as needed.XXXX
With purchase of a new vehicle I was swindled into trading a XXXX XXXX XXXX into one of this corporations dealerships. I will not quote the trade in amount but I have excellent credit and still this company can sit on their conscious with interest rates for loans in the 6 % range. This company 's interest rate for vehicle lending is astronomical and this is only a suggestion but stay far away from this company if you want to avoid being swindled! 
On top of the Purchase for this XXXX XXXX XXXX my vehicle which is brand new did not come with a vehicle jack to change spare tires, and when brought to dealership attention they dismissed through tire in back of truck and treated customer insanely rude.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Transunion did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts : XXXX XXXX XXXX   ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX
During XX/XX/XXXX, Chase bank closed all of my accounts ( My Chase Freedom Credit Card Account, Chase Sapphire Credit Card Account, Chase XXXX Account ). This happened due to the combination of credit I had outstanding and the amount of cards I applied to in a short period of time ( multiple inquiries ). Add a failed check payment ( that was being sent to Chase Bank to cover a due credit payment ) due to a local bank processing error and this became the third strike according to Chase in closing all of my accounts. I 've tried applying back to Chase on several occasions from XX/XX/XXXX-XX/XX/XXXX with good credit ( XXXX credit score currently ), 100 % payment history with no delinquencies and I have been able to obtain credit cards with every bank I have applied for except for Chase. It appears that they currently have me on some type of Blacklist and they have been unable to provide me with information during my last 3 calls ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to speak with their customer service line. I am told to re-apply each time I ask to speak with someone from the reconsideration line to inquire how I might be able to establish a relationship once again with them via credit lines for both myself personally and my businesses ( XXXX XXXX XXXX & XXXX XXXX XXXX ). I currently hold 1 personal checking account and 1 personal savings account with Chase Bank for over 6 months along with 1 business bank checking account as well. I has been very frustrating since I have been accepted with XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX all within the past few years and Chase will still not accept me or provide a detailed reason outside of previous unsatisfactory relationship with bank in the past. Although I may have made an error on my part in the past, this event had occurred over 4 years ago and I have not made the same mistake and pride myself on having an established, responsible credit history. This entire process has been incredibly frustrating and I have been unable to speak with the proper representative from Chase regarding reconsideration.
Date : XXXX/XXXX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I refinanced my mortgage loan that was with Bank of America XX/XX/2016. My loan was paid in full on XX/XX/2016 by new lender. Bank of America has provided any documents regarding this pay off or has failed to send me deed of trust document and most important to is my Escrow refund. Every time I called they say that they have mailed my check in amount of such but to this date I have not received anything. They said to put stop payment on the one they mailed and send me another check by express mail but that has not happened yet and now it is XX/XX/XXXX. 
They failed to refund my escrow money and no action has been taken to resolve this issue by them. 
I had made one extra payment while refinancing was being processed to be current on my payment date so that it does n't affect my credit score. They have not refunded me that either.
XXXX XXXX They call repeatedly and say they have an important debt-related issue to discuss with me. I have no debt issues.
On or around XX/XX/XXXX, XXXX sales representatives of XXXX XXXX stopped by my apartment and offered to provide utilities at a cheaper rate than our current provider. I was not home at the time, but my husband refused their services. On or about XXXX XXXX XXXX, I received a notice that XXXX XXXX was my new utilities provider. I contacted XXXX XXXX over the phone to contest the " contract '' and they informed me that they had an oral recording of my husband requesting their services. They would not provide me with that recording and also informed me that the cancellation fee was {$500.00}. On or about XX/XX/XXXX, I received an invoice from XXXX XXXX. At that point I contacted the apartment complex front office and asked them why my utility provider had changed. The complex, XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX TX XXXX, switched me back to my previous provider, XXXX XXXX XXXX XXXX XXXX also informed me that they were filing a complaint against XXXX XXXX and that at least three other tenants had reported similar issues. XXXX XXXX sent me a disconnection notice on XX/XX/XXXX, their last written communication. On or about XX/XX/XXXX, I received a letter from Professional Debt Mediation stating that they were attempting to collect a debt, originating from creditor XXXX XXXX, in the amount of {$470.00}. They also informed me that they would submit a negative credit report, which I have since confirmed.
I opened a checking account with Discover Bank on XXXX XXXX, XXXX during a promotional period that offered a {$300.00} reward for opening a Discover Cashback Checking account and making two direct deposits within 90 days of account opening. During the online application process I saw a notice confirming that the promotion had been applied, but I also called shortly after I had finished applying and had a customer service representative confirm my eligibility for the promotion and that it had been applied to my account. I completed my second direct deposit on XXXX XXXX, XXXX and waited a whole month before calling Discover to ask about the promotional reward ( the offer stated it could take up to 30 days after the second direct deposit to process the reward ). On XXXX XXXX, XXXX I called Discover to inquire about the promotional reward and had a representative confirm both my eligibility for the promotion and that the requirements for the promotion had been met ; the representative said he or she would submit a ticket to the department handling promotional rewards so that I could receive it. After not receiving the reward for several days, I called discover again on XXXX XXXX XXXX and was told the same thing as the call on XXXX XXXX : that I met the requirements for the promotion and that he or she would submit a ticket to the department responsible for issuing promotional rewards. After not seeing the promotional reward or hearing from discover bank for nearly 3 weeks, I called again on XXXX XXXX XXXX and was soon connected to an account manager. The manager I talked to on the XXXX told me that although the promotion had been applied to my account and I received confirmation and met the requirements for the promotion, that I was ineligible for the promotion because it was " targeted. '' I asked the manager to elevate the issue to someone higher and she told me she could file a feedback request on my behalf, but that was the end of that. I have yet to hear back from discover and fear that I will not be contacted yet again.
XXXX XXXX 2016 To Whom It May Concern : Thank you in advance for your time and guidance. My name is XXXX XXXX XXXX XXXX XXXX and I am currently stationed at XXXX XXXX, Georgia. For the last few months, I have made several attempts to rectify a matter concerning the unauthorized use of my signature to obtain a home equity loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00} while I was XXXX. Upon reviewing my credit report a few months ago, I discovered several items listed in the " collections '' category ; XXXX in particular being XXXX Home Equity Loan Line of Credit, a loan that I did not request nor sign. When I contacted XXXX, I was informed that my former spouse ( XXXX XXXX XXXX XXXX ) had obtained this loan to include signing my name without any proper authorization. Several calls were made to XXXX to resolve this matter during which I was informed that there was a Power of Attorney ( POA ) on file. However, XXXX was unable to produce the POA upon my request. Since this time, the noted defaulted loan has been placed in collections with Green Tree Servicing LLC. I contacted Ditech Financial LLC / Green Tree Servicing LLC to discuss this matter and was later instructed to execute a Quit Claim for the property associated with home equity loan. 
The Quit Claim action was processed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida in and for XXXX XXXX, a copy of this document was provided to Ditech 's Financial LLC legal department whereas they have negated to remove me as a party in this matter. I am seeking this agency 's assistant with resolving this matter, as there was no legal documentation in place authorizing my former spouse to sign my signature on this loan. Several times I have attempted to speak with the leadership at XXXX concerning the alleged POA they have on file and each attempt has been met with a failed point of contact. Enclosed with this complaint are several supporting documents : XXXX XXXX Property Information, XXXX Borrower 's Promise to Pay Note with my unauthorized signature, XXXX XXXX Notice XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for identity theft and XXXX credit report XXXX XXXX ). Again, thank you for your time and assistance, please feel free to contact the undersigned if any additional information is needed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
i am XXXX years old. i started using credit at XXXX when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of XXXX years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about XXXX years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only XXXX years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.
Ditech Financial LLC is trying to collect an account that have already taken care by the bank on mortgage that was a predatory loan and violated my rights for refinance and my home was foreclosure. Company calls me with threats if this amount not paid they 're going to take illegal action and putting false information on my credit report.
I leased a XXXX XXXX XXXX. I had to pay my first lease payment when I leased the vehicle. XXXX XXXX is stating they are reporting all payments to all major credit bureaus. When I got my annual credit report this year, I noticed my first car payment was not reported on my XXXX Credit Reporting Agency. In addition to my first car lease payment was not reported on my Equifax Credit Reporting Agency. I first attempted to repair the inaccuracies with XXXX XXXX XXXX, who sent me a history report that shows a first payment was made of {$320.00}. In XXXX I disputed the inaccuracies with XXXX Credit Reporting Agency and with Equifax. I received my XX/XX/XXXX Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe XXXX XXXX more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to XXXX XXXX XXXX on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. XXXX placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.
XXXX XXXX XXXX began calling my office in XXXX XXXX looking for someone with a name similar to mine. I informed them that I was not the person they were looking for. Subsequently, I had missed calls from them each month thereafter until XXXX XXXX, XXXX, when I again spoke to them. I again verified that I was not the person they were looking for, and verified that the birthdate and other personal information they had on file was not mine. I asked them to remove my work information from their records and cease any further attempts to contact me regarding this collection. 

On XXXX XXXX, they submitted an Order of Withholding from Earnings to my employer, claiming that I owed {$23000.00} for a default student loan. 

The debtor 's home address and social security number listed in the order are not mine. 

I wish to file a formal complaint against : XXXX XXXX XXXX XXXX XXXX, CA XXXX