WillisBack/dataset-financial-user-claim huggingface dataset:
The situation is detailed below. 

On XXXX XXXX, I bought 2 XXXX for {$640.00}. This money was charged to my bank account XXXX XXXX Bank XXXX on XXXX XXXX and XXXX XXXX. I started a conversation with XXXX XXXX XXXX XXXX on XXXX XXXX, with her first responding on XXXX XXXX. After not getting resolution to the situation, I filed a chargeback for the double charge through XXXX on XXXX XXXX. I immediately received a credit on my account for the amount that was double charged. 

On XXXX XXXX, my Coinbase account was locked from buying/selling/transferring and a message was placed on the homepage that I needed to make a payment to unlock my account to repay the {$640.00} chargeback. 

Due to the fact that I have significant assets in Coinbase, I attempted to unlock my account with a credit card payment on XXXX XXXX, only to be able to access my account while the situation was further looked into. I was unaware that the chargeback would lock my account and I needed access to be able to buy/sell/trade my account. 

Unfortunately the credit card payment was denied by the bank, and therefore my account was not opened. 

Now, on the front page of Coinbase it says that I owe an amount of {$0.00}, and that until I pay that amount I will not be able to buy/sell/trade. Currently, no payment options will go through to open my account. Therefore my account is locked until this chargeback which was completely legitimate is 'paid back '. 

I have provided XXXX with the screenshots of the double charge through XXXX, which is the only documentation that has been asked for so far, and I will attach them here. 

I have also provided here a search from my purchases on each of my accounts showing that only XXXX purchase was made of {$640.00} and this was for 2XXXX on XXXX XXXX. 

Thank you for understanding my concern regarding this matter and your urgent attention to opening my account which is in good standing. 

XXXX
Diversified Adjustment company has already been contacted concerning a debt they were trying to collect on. I was able to prove that the debt was not valid. They stopped all attempts to collect and they removed the debt from credit reports. Now today I got a notification from XXXX XXXX stating that a collection from Diversified Adjustment was just added to my credit file. I want them to remove this collection account ASAP because it was already proven invalid. This collection agency is in violation of my rights as a consumer and I will take legal action if this matter isn't taken care of immediately.
I entered into a payment plan with Navient. It was agreed upon that I would pay {$510.00} on the XXXX of every month. Yesterday, my credit monitoring service notified me that Navient is reporting that I am over 60 days late on payments with XXXX accounts. As a result, my credit score took a drastic drop. Not only have I not missed a payment, they have been paid on time and I have my bank statements to prove it. While on the phone with Navient today, the gentleman on the phone told me the purpose of the repayment program was to help me, but instead it is hurting me. What 's the point of making payments if will still be reported late?
XXXX   XXXX   IS REPORTING  2 COLLECTIONS ON MY CREDIT REPORT ONE  IS FOR  XXXX  OPENED  XX/XX/XXXX . AND ONE FOR  XXXX  OPENED   XX/XX/XXXX .  I HAVE NOTIFIED   XXXX   XXXX   AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH  XXXX   XXXX  FOR  XXXX  OPENED   XX/XX/XXXX .   I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.
The Equifax website contained a form to apply for a credit freeze. Yesterday, I submitted this form twice and got no response. Today, they stopped taking credit freeze requests. 

Please nail Equifax for the hack of their credit reporting system. Prosecute both Equifax and their CEO to the full extent of the law, and advocate for tougher laws that will hold these lax companies and their CEOs criminally liable for the adverse effects of hacks, including prison time for CEOs. 

Please augment your website to receive public comments about the Equifax hack. This is a golden opportunity for the CFPB to gain widespread public support -- IF you can provide effective relief from ID theft that Equifax enabled.
There is a Bank of America credit card history being reported to the Credit Bureaus, but it does not belong to me. It is impossible to try and address any complicated matter with Bank of America because their customer service is so inefficient and time-consuming. 

I know nothing about this credit card that apparently was opened in XXXX/XXXX/XXXX, closed on XXXX/XXXX/XXXX, but oddly, there is a date of last payment showing as XXXX/XXXX/XXXX. It is a negative report, and I want Bank of America to stop reporting this inaccurate information, and to inform the Credit Bureaus -- XXXX and XXXX -- to permanently remove these inaccurate data. Also, please inform XXXX if BOA reports to them. If BOA believes this account belongs to me, then they need to provide substantiate this with evidence ; I have a Bank of America checking account that was opened in XXXX in XXXX. 

Note : I see in my XXXX report that the Bank of America address cited is from XXXX XXXX, XXXX. I have never lived in Texas. Just recently I had an account removed from my XXXX Credit Report that was not mine -- it had the name XXXX XXXX associated with it ( mistakenly under my Social Security number ) and there is an address showing in the XXXX report that has an XXXX, XXXX address with a XXXX date on it. Maybe all this information is connected to one or more other people. Please check everything. 

Whoever this BOA credit card account belongs to, I do n't believe it is even supposed to be reported at this late date, given statutes of limitation.
I have been a customer since XX/XX/XXXX ... I have an excellent payment history ( AMEX stateded this ) ... My XXXX credit cards from AMEX were suspended without cause ... I was not notified, I found out my cards were suspended when a purchased was declined ... I faxed an agreement that AMEX may look at my XX/XX/XXXX tax return ... Poor response ... Stated my spending needed to be justified ... I was approved for the XXXX American Express Card as these XXXX cards are still suspended.
After carefully reviewing my credit report for inaccuracies I noticed several and contacted  Experian  via  XXXX  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts.  XXXX  months later I still have no method of verification for the following items  XXXX  Delaware #  XXXX , Louisiana  XXXX  #  XXXX , Louisiana  XXXX  #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
i sent a letter in XX/XX/XXXX asking for proof of account, i never received any documents in regards to the account, and it still reporting on my credit.
Angel Oak Mortgage continues to pull hard inquiries on my XXXX  report every 30-60 days even after filing a complaint, reporting it, and they responding they were not engaging in pulling my report.
During the mid XXXX as a single mother I decided that it would be beneficial for me to earn an XXXX from a B-level University, XXXX XXXX XXXX University, XXXX XXXX XXXX XXXX. 

Living in a Midwestern state, my wages were barely sufficient for living, so loans became the option to pay for my graduate studies. Upon completing my studies, I searched for more than 6 months to find new employment since I had been downsized toward the end of my studies. I did not locate a job in the XXXX, but rather had to relocate to the XXXX region for work ( A XXXX XXXX XXXX ). By this time, by daughter was in college, The XXXX XXXXXXXX XXXX XXXXXXXX Ohio ( an expensive private accredited institution that charged more than some colleges, which has since lost its accreditation ). 

To fund my daughters education, I obtained Parent Plus Loans to cover school tuition, books, etc. In addition, since I had a student in college, I was able to defer my XXXX loans further throughout her college years. ( 4 years deferred, on top of the original 2 years for my personal hardship deferrals ). 

After moving to the XXXX, I became XXXX since the XXXX XXXX XXXX XXXX. During my years of being XXXX, I further needed to defer the loans since the minimum amounts that were required were over {$600.00}. Most recently, the loans to be repaid now are near $ 1500 monthly! I can not defer any longer, and dont know how I will pay without damaging my credit and sinking into a financial abyss. I am over XXXX, have no 401k, and, no significant savings. 

What started as loans totaling less than {$85000.00} in original principal now is quickly becoming {$270000.00} in debt ( and presently ONLY showing {$10000.00} in interest ). 

This is debilitating to say the least. Personal responsibility was getting a better degree, being a great parent, providing a loving home, working, being an XXXX, and taking care of my family. However, this level of student loan debt AND the structure that benefits only the companies threatens my ability to care for myself when I retire and live within my budget. For all of the education that I have, experience, knowledge, and skills that I have I am unable to find significant financial relieve. 

I am willing to help research, draft legislation, canvass for support as needed.
Penn Credit Corporation calls my home phone several times a day. I 've answered when I 'm at home, but they have poor automated calls, and it starts with " if you are that person, press 1 '' I never hear the person 's name! When I do press 1, I do get connected to a person, but they ask for someone I never heard of. When I tell them that, they never apologize or offer to remove me from there call list, and the calls persist. I do not want to be contacted by them again, unless it pertains directly to me, which I doubt, since I am not in arrears with any financial or consumer entity.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 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
XX/XX/XXXX I was issued a new Citi Thank You card. I have other citi cards that I've held for close to a decade. 
XX/XX/XXXX I tried to use the card and it was declined. When I called Citi to find out why I was told I needed to fill out more paperwork to prove my identity, even though I already have other cards with Citi. 
XX/XX/XXXX I received the paperwork, filled it out and returned it. 
XX/XX/XXXX I called to check status and was told i needed to fill out and send more paperwork to prove I was who i said i was. I had enough and asked to cancel the card, and i was told I COULDN'T CANCEL THE CARD UNTIL I FILLED OUT MORE PAPERWORK. I refused and asked for a supervisor, who i was told would call me back. They never did XXXX I called once again to cancel the card and again was told that I couldn't until i sent back more paperwork, which I will not be sending back. I simply want the card cancelled. All of my cards with Citi.
At XXXX on Wednesday, XXXX XXXX, 2016 I got a voice mail message from someone who identified herself as XXXX XXXX XXXX She left a number to call her back and a reference number, but there was no further information about why she was calling. 

I returned her call around XXXX the same morning as she was quite aggressive about the time line in her voice mail. 

When I called I gave my name and reference number from the voicemail and was put XXXX hold for about two minutes. When the person came back on the phone they stated that they will calling about a pending case in XXXX XXXX XXXX and asked if I had ever heard of XXXX XXXX XXXX. I asked for the persons name and was told it was XXXX XXXX. She again stated that she calling about a pending case in XXXX XXXX XXXX. I stated that I needed a debt validation letter and she became angry and yelled that this had been through XXXX different collection agencies and since I was being difficult she would be putting the paperwork to garnish my wages and then said she would be taking 35 % of my paycheck and that since I worked for the government " good luck with that. '' And then hung up on me. 

I called back and the same woman answered the phone, I asked her to spell her name and she said in a very sarcastic way " XXXX, like XXXX '' and I asked to speak to her supervisor and she said she did n't have a supervisor. I asked " are you the owner of this company? '' and she said " hang on '' and put me on hold. Another person came on the phone and asked me to identify myself, I did and asked her to do the same. She said her name was XXXX XXXX. I asked her to provide the name and spelling of her company, Zenco XXXX. I also asked for the mailing address and she provided this information : XXXX XXXX XXXX, XXXX, Texas XXXX. She asked me to identify myself again and I did and then I explained to her that i had just spoken to XXXX XXXX who was very rude and threatening and that according for Fair Credit Practices that was not allowed. When I said that she became enraged and stated that they record all calls and she would review the call, but if I was n't willing to pay then they could do nothing and would be garnishing my wage and then she said sarcastically " good luck '' and hung up on me.
I graduated from XXXX University in XXXX this past summer and my student loans have come into repayment. I was able to find a full time position, outside of my field of study making $ XXXX a year. My Discover private student loan principal is $ XXXX making the payments on those alone over {$1700.00} a month. I am currently on the reduced payment plan but it only lasts 6 months, after this period defaulting looks like it could be my only option. Thus far, Discover Student Loans has been ridged and unwilling to offer any sort of long term solutions to make repayment of the loan affordable.
I have contacted XXXX by email and by phone this year. I have asked them to provide proof of the collections item that was sold to Amsher. The only thing I am constantly told is I just owe it. I am a consumer and I feel that I am entitled to a ledger that shows how I owe something from 2010. I have asked for a ledger and I have waited the 30 days or more for the XXXX back office to provide it and it has not happened. I have even asked that if the debt could not be proven to at least write it off. I can only be sent a statement with an amount but not anything with line items. I have suffered with a lower credit score due to this error on my XXXX and XXXX credit reports. There are many other experiences that have been shared by others who have disconnected service with XXXX and after a few years have a negative collections item to appear on a credit report. How can this be removed? I need all of the assistance that you can provide.
Over the past 13 months Bank of America has been feeing this account {$5.00} per month without proper disclosure. As I need to close this account, they will not do it as there is a negative {$5.00} balance due to their monthly maintenance fee. 
Account number XXXX
I made a purchase from XXXX XXXX for a XXXX XXXX bundle on XX/XX/XXXX. I spoke with an agent online to verify that XXXX XXXX would price match the item, and the agent confirmed that they would price match the sale as long as the order was placed 24 hours after XXXX XXXX was over. The sale price to be matched was from XXXX for XXXX for two controllers, the console and one game ( XXXX XXXX XXXX XXXX ). I placed the order and picked the item up on the XXXX. I did not receive a receipt for the item because the purchase was made online, according to the XXXX XXXX employee. I did not receive a receipt from XXXX XXXX online either, and they have been unable to provide me with a receipt. I checked my checking account information a few days later and noticed that I was charged {$470.00} on XX/XX/XXXX. I contacted Chase and informed them of the issue and they issued me a temporary credit. The issue was resolved until XX/XX/XXXX, when XXXX XXXX sent a receipt to Chase, and Chase recharged my card. I spoke with XXXX XXXX and requested an explanation and they informed me that they would not honor the price match because they have a new policy that they don't price match bundles ( which was not mentioned when I spoke to XXXX XXXX in XXXX ).  XXXX XXXX would also not match any part of the price because the item return/exchange date is XX/XX/XXXX, so they are unable to assist in any way. I have screenshots of the sale price and a transcript of the conversation with the agent that said they would indeed price match the item if I ordered it online. I can also provide the chat transcript, but I have that via email, not a picture.
I submitted a dispute to TransUnion on XXXX about XXXX hard inquiries that were reported on my report. See confirmation below. I have not received a response yet and it has been over 45 days. 

Background : I have XXXX credit inquiries from the same company for establishing XXXX account. The company reported on the report is XXXX. I received these inquires on XXXX different dates XX/XX/XXXX, XX/XX/XXXX, and XXXX. The only inquiry that should be listed is the one run on XX/XX/2014. This is when I ordered service and was told by the representative that it was successful ordered this day. In reality the order was not placed correctly at the reps mistake. So over the next weeks I argued with XXXX and they insisted on placing a new order. I agreed after multiple reps said no new credit inquiry would be run. So I proceeded, the rep lied, ran credit again and then hung up on my. Hence, where credit check # XXXX came from. Went through this again and asked again about credit when a new rep was placing an order and he swore to me that no check would be run since he already showed the check in the system. Also a lie. Hence why I have the third inquiry. In summary, I should only have the XXXX inquiry from XX/XX/XXXX Transunion completely ignored my request and have sent no response and all three inquiries are showing on my report still. Please help me resolve this. Thanks
I receive hundreds of credit card applications. TransUnion, XXXX and XXXX are selling my credit report as a prescreened offer. I have never gave permission for them to benefit using my credit.
I placed an order with XXXX XXXX XXXX via XXXX for 2 chandeliers on XX/XX/XXXX. I didnt receive my order til XX/XX/XXXX, and upon opening the package, half of the glass strands were broken, rendering them unusable. I notified the seller, and was told they were sending replacement parts out. I waited, and waited, and never received the parts. After waiting, what I felt was a more than sufficient amount of time, I filed a claim with Chase and reported the damage items. Chase filed a claim on my behalf, but I am being told it was denied due to being over 120 days from date of transaction. The reason for the delay, was for 2 reasons, the length of time it took to receive the order, as well as, trying to resolve with seller, before filing a claim, as I am required to do. I paid {$570.00} for damaged goods, and deserve to be refunded. The delayed claim was of no fault of mine, and I should not be forced to pay for goods that are damaged and unusable. I am seeking a refund that is rightly owed to me. I have all documentation and picture evidence of the damage items.
This matter involves an account initially handled by ExxonMobil and assumed by Citibank. I was trying to work this out with Citibank when they referred it to XXXX XXXX. At one time both were trying to collect the same debt from me. Then XXXX called my ex wife and discussed the debt with her. She has never been a cardholder and has no interest in this account what so ever. I do not understand why XXXX would bother her when she is my ex wife, they had the correct address and phone number and all account info. This appears to be a problem with Citibank accounts and the vendors they use for collection.
Yes I recently disputed some accounts on my credit report that were Verified as accurate and I don't believe this to be so, A debt by CMRE Financial on XX/XX/17 was placed for collection and I do not take ownership for this debt can you please do a real investigation that the credit bureaus claims they did already.
I have discovered today XX/XX/2017 that when my student loans transferred from XXXX XXXX to Navient the loans were under-disclosed. XXXX XXXX did not provide Navient with the correct or complete terms of my loans. I have 9 loans left with Navient and 2 of the loans, 8 and 9, should be paid off. The loan payment on the website is {$180.00} and the coupons are {$120.00}. The Navient representative that I spoke with advised in the call on XX/XX/2017 that terms were " estimated '' when XXXX XXXX failed to provide the accurate terms. My concern is how do I at this point even if the balance, payment, and payoff is accurate. I was told in the same call that all of the information on the website account for Navient is accurate, however how can it be accurate if Navient was provided incomplete/inaccurate information from XXXX XXXX and had to estimate the terms? When I requested evidence of the loans I was advised the contracts can not be sent out and all the information is provided on the website for Navient. I want copies of the original loan agreements. I was advised those can not be provided, leading me to believe the loan agreements do not exist.
On XX/XX/XXXX - I called Capital one to find out what I needed to do to change my name and remove my husband from my account, where I am primary card holder, they took information and restricted my account without me knowing about it which caused me to lose over {$500.00} in points. Everyone apologized for and admitted that they made mistakes but i was still out the {$500.00} while I had an outstanding bill in excess of {$900.00}. No one informed me that i was getting a new account or this would casue me to lose the {$500.00} in points. They escaleated it to the highest complaint and said yes, they are aware they forfeited my {$500.00} but there was nothing I could do about it. They admitted they gave me misinformation. They closed my account, left me a {$900.00} bill and took my {$500.00} in points away.
My student loan servicer, Nelnet, keeps upping my interest rate. My loan was at 6.8 % as disbursed in XXXX and I 've earned lowered interest rate by 3 % through on-time payments and signing up for auto-pay over the years. After putting loan payments on a temporary hold for a year while volunteering abroad in XXXX, I returned to my usual auto-payments and my loan has been messed up ever since. In XXXX XXXX and XXXX XXXX, Nelnet has upped my interest rate percentage to 5.8 % without notifying me, removing my incentives. This is a bad practice ( they cited a " system error '' ) that should be stopped.