WillisBack/dataset-financial-user-claim huggingface dataset:
I`ve applied for a " Secured Card '' Credit Card service With the Wellsfargo Bank on XX/XX/XXXX ; It was explained to me by the banker on this occasion that this card will receive as a transfer from my checking account a amount of {$300.00} in 3 to 5 businesses day after I receive the card, but actually this happened the other way around, yesterday XX/XX/XXXX, the Bank charged me the {$300.00} already, I went to my mail box to check if the card has arrived and instead I got a letter from them telling me my information was still being verified, I called them and went to the branch to talk to the banker and I was told twice I got it wrong and that the process is charge first then send the card later, now, because they did that My account reached {$0.00} Today and I was left with nothing ; I asked them to cancel the card then and give my money back and I was told that this process would take 15 business day to reimburse me ; they also fail in confirming that the card was send, they only told me I " Should be good '' meaning I should receive the card in 5 Business Days because the money was already taken from me ; so long history short : they offered me a credit card charged me before I had it, won`t give back my money and I was left with a " Should be good '' answer.
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct so why are they asking me for proof. In the results of there investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? Experian have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore Experian have failed to provide the method of verification as required under Section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Experian has violation all of my right. enclose is a copy from XXXX and they or I could get these account that Experian said they verify. 
account name : XXXX account number:XXXX account name ; XXXX XXXX bank account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX Please send all papers and my signature to me on these accout, enclose is proof that they are not mine.
My attempts to modify my mortgage failed due to not enough income. Due to death of a child and then loss of income & medical issues as well as divorce the household income was no longer the same or enough to qualify for the loan modification. I moved fwd with list & advertising my home for short sale. There have been multiple offers on my home but they have been declined by the bank twice. I have done everything the bank has asked of me. According to my attorney the bank negotiator the bank has indicated it would be " better for them to foreclose than to do a short sale ''. This is NOT fair. I am a now single mother, just getting back from medical leave just doing my best to survive with my remaining XXXX children.
I have a XXXX XXXX XXXX and Citizens Bank equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.
I have been trying, without success, to withdraw my money from my XXXX Pounds Sterling wallet to my XXXX bank account for nearly 3 weeks now. I have followed Coinbase 's instructions exactly, twice, but Coinbase still have n't verified my bank account, so my money is basically stuck in Coinbase.

I originally emailed Coinbase 's support about this issue on XXXX of XXXX, they replied with a generic message, and despite me emailing them for an update on XXXX of XXXX and XXXX of XXXX, I have heard nothing from them since. I have also called them, but both times I 've been left on hold for about 20 minutes then cut off before I 've actually been able to speak to anyone. I 'm now starting to panic, is Coinbase some sort of scam? I have several thousand Pounds in my Coinbase wallet and can not afford to loose this money. Please help! Many thanks, XXXX ( XXXX Citizen ).
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with Wells Fargo dealer services. The person that hit my car from behind insurance company ( XXXX ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with Wells Fargo, I paid for the GAP insurance through Wells Fargo as well. After the car was totaled I never saw the vehicle again. Wells Fargo was Paid by XXXX XXXX, Wells Fargo had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, XXXX and XXXX and they arent even contacting Wells Fargo Dealer service because I receive updates like two days later saying investigations complete. Please help. I want Wells Fargo dealer services reported on my credit as paid in full because two different insurance companies paid them.
Ronald Reynolds is collecting money but stated by his letter the account was recalled by the creditor. He sends some print out sheet that's no more than fraud and has numbers of money received is over {$200.00} dollars per week and some weeks as much as {$270.00} with 3 different amounts running on the same case and nothing but deceptive and XXXX can verify the small amounts he has on some power point created sheet is not any proof as MY XXXX   statements show with nothing but fraud on his part. He can not dispute XXXX amounts. Ronald Reynolds should be investigated and how many other clients been rip off by his accountant methods. He never replies back to any dispute and XXXX can verify proof of his fraud and I have weekly print outs as proof he is no more than the modern day fraud on his part. The other law firm XXXX relied back as to they sent the account back as he was suppose to be there attorney. Ronald Reynolds should be investigated and his accountant methods as to how many people he rip off. He has no morals of no kind. I have also filed with other avenues to investigate him and XXXX XXXX XXXX   I will keep filing on Ronald Reynolds on other agencies on his  practices. he does not reply to disputes or nothing just collecting money he can to survive and mislead and deceptive in many ways. He was not giving XXXX XXXX XXXX the right amount of money and should be bought to attention as nothing but greed and lies.
Switched from XXXX XXXX back to XXXX XXXX XXXX. At the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida was told by the store agent that no credit report would be required because I was with XXXX XXXX XXXX for 10 plus years prior to switching to XXXX for only one year. This all took place on XXXX XXXX, 2015 on XXXX XXXX, 2015 I received a credit alert from XXXX and XXXX XXXX XXXX did in fact request a full credit report not a soft inquiry and this action was against what I was told! I complained to the store on XXXX occasions XXXX occasion with XXXX the store manager and no help from them! I called the Office Of The President and spoke to a XXXX XXXX ( XXXX ) XXXX she took my complaint and stated she would call me back within 72 hours which she did not! I called her on XXXX separate occasions and left her my name and number to return my call reference my complaint and as of today have not received any contact from her! It appears that XXXX XXXX XXXX feels that the can mislead and be deceitful to the public and this does not sit well with me that 's the reason for this complaint! I am very careful and watchful of my credit and with this unauthorized action by XXXX XXXX XXXX has cost me XXXX points off my credit score and additionally remains on my credit file for 24 months from date of inquiry! My resolution requested is to remove this credit report requested by XXXX XXXX XXXX and they be held accountable for being deceptive to me and most likely many others to gain business!
Chase bank decided to close my accounts in lieu of fixing any of the several problems i 've brought to their attention. I am given to understand there is also an issue with me not having enough money to have business with Chase, but I do n't have any documents to support that. 

The beginning of this issue was when I discovered my paycheck had not been deposited into my account, even though my payroll system showed the electronic check had been sent. 
The next issue was that Chase refused to allow payment withdrawal of my credit card payment with a separate company, which caused an issue of potential account closure there. 

In the latest part of this saga, Chase advised me that no deposits or withdrawals would be allowed, but that was clearly a lie as they did later allow my paycheck to be deposited into the account, but they have refused to allow me access to those funds. I have asked them many times to please advise when and how they plan to return my stolen funds, but they have refused to discuss this matter with me at all.
I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every 4 months like I had in the past. I went through bankruptcy in 2011 and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX
Santander Consumer USA Inc. presented me with a " Limited Time Settlement Offer '' in which they clearly stated that if I were to pay 30 % of the principal balance due it would " settle your account in full. '' I had entered into a potential Class Action suit against SCUSA and when presented with this offer to " settle in full '' my account I paid the amount well before deadline and removed myself from the Class. The letter clearly implied that my account would be settled in full for paying the amount stated ( {$460.00} ) by XX/XX/2014. I paid the amount of {$460.00} on XX/XX/2014 with the understanding that my account would be shown as paid in full ( per SCUSA offer dated XX/XX/2014. I discovered that SCUSA was reporting my status as Collection/Charge Off and remarks showing that the account was settled less than full balance. This was not what they presented in their offer. I feel that SCUSA used deceptive tactics to get me to settle my account and did not fulfill their part of the offer they presented to me and that I accepted. Despite numerous attempts to get this corrected with the Credit Reporting Agencies, it has never been resolved to report as paid in full as offered.
Homeowner has been denied modifications and modification review has been delayed because M & T Bank continues to ask borrower for divorce paperwork ; however he was never married to the other owner. A quit claim deed was provided by homeowner multiple times and lender continues to ask for divorce paperwork that is not applicable or does not exist.
I have an account with Coinbase, I sold my Bitcoin and hit a button to withdrawl my {$160.00} I got confirmation letter the money would be in my back account by XXXX XXXX. I have not recieved it and have no way to contact the company they do not answer the phone they just say send an email to support but I could not figure that out either
I have had this credit card for several years. On my last statement they showed a total balance due of {$3000.00} which I decided to PAY IN FULL BEFORE THE DUE DATE. When I went on line to check my account, they claim I owe them an additional {$50.00}. When I called to complain, they said it was accrued interest.How does one one get the bill paid up if there is always going to be accrued interest?
I have an account with Penfed and they recently cancelled my credit cards without reason and without warning. The excuse customer service gave me is that they " could n't verify my income ''. I have submitted my XXXX and paystubs TWICE and they did n't say anything was wrong with them. For them to close my accounts AFTER giving me the cards is beyond unprofessional. If I was n't credit worthy to them, they should not have given me the cards in the first place. Even worse, they closed them just before the statement is sent to the credit bureaus so now it shows me as having a credit limit of {$0.00} with a balance of $ XXXX+ which has SIGNIFICANTLY lowered my credit score. This whole situation is beyond unfair.
I've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.
On XXXX XXXX, 2015, I have noticed that Jc penny have pulled my credit report without my consent. The company states that it will take 60 days, but it has been 60 days and the company has failed to take the XXXX inquires off my credit report that shows up on transunion credit report twice, which resulted in my decrease of credit score. I was informed ny the credit bureau that it does not take 60 days to remove an inquiry, instead it only takes about a month, all the company has to do is email the credit bureau asking them to delete the inquiry. which the company did not still do so,
I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. Bank of America reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. Bank of America is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.
I received a letter from Capital One that my account is {$100.00} delinquent. My account was charged off and given to a collection agency. The account was ultimately paid in full last week with confirmation of all payments. I have attempted to contact Capital One after receiving this letter but transferred to a voicemail. I have placed about 10 calls during the day to this number and all have been transferred to the same individual. I am attaching a copy of the letter received along with my response. The account has been paid in full, I have all documents from the collection agency, and I have all records showing history of payments.
For over 4 years, I have been trying to have ACS/XXXX to remove XXXX late delinquencies from all XXXX credit brueaus ( XX/XX/XXXX and XX/XX/XXXX ). Yet, the creditor did n't remove until recently ( XX/XX/XXXX ). I spoke with XXXX XXXX of ACS and he reassured me that he will make sure that the delinquencies are removed as soon as possible. Yet, they are still present on all of the credit bureaus. Even after submitting the documentation to all of the credit bureaus, ACS/XXXX still not honoring their promise to remove the delinquencies. This has caused a major inconvenience with my credit report history.
NAVIENT ABUSE : I AM A COSIGNER FOR A NAVIENT LOAN, THE ORGINATOR IS SEVERAL PAYMENTS BEHIND, SHE LOST HER JOB. NAVIENT IS ABUSING ME WITH CONSTANT PHONE CALLS 5 TIMES A DAY 6-7 TIMES A WEEK FROM XXXX TO XXXX ON MY HOME PHONE. THEY ARE ALSO USING ABUSIVE LANGUAGE AND WHEN I ASK THEM TO STOP OR BACK OFF THEY SAY THEY CAN CALL UP TO 8 TIMES A DAY, THERE IS NO LIMIT. I HAVE TOLD THEM SEVERAL TIMES OVER THE LAST WEEK THERE IS NO SET NUMBER BUT THE NUMBER & VOLUME OF CALLS IS ABUSIVE. THEY REFUSE TO STOP. ABUSING ME
XXXX XXXX had placed a collection account on my credit report on XX/XX/XXXX for XXXX I paid a contract off with them and closed my account someone who used to be in my household set up a new account or fraudulently opened my old ones back up but I have never authorized or signed for a new contract with XXXX. This needs to be removed from my credit.
Experian is delaying my request for investigation and providing Method of Verification by means of multiple requests for identification that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond rule. By law, the following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Experian ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 IL XXXX XXXX/XXXX/XXXX BK CHPT XXXX
Had been receiving threatening calls about debt owed to an apartment complex. Asked if wanted to make payments and was told if I did not that I would be sued and it was about to be taken to court.
I requested proof that this loan was mine with a signature. I requested that they show this disputed on my credit report. They did not provide a copy of the loan with my signature nor did they mark disputed on my credit report.
I have disputed these ACCOUNTS WITH THE XXXX  FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS
-In the initial phone call I was told my debt was somewhere around 3500 ( I do n't remember the exact number ). 
-I was originally set up with a payment plan to pay off my debt. 
-I kept getting statements from the every month but it did n't seem that my balance was going down any. 
After calling and asking why my balance was n't change is when I was told about the " bill collector fee. '' I was NOT informed about this in the beginning. 
-After a year of paying religiously I was told I had start paying more because my 12 months was up ( I was never informed that I could only make payments for 12 months. ) I told them I would get back with them in a week or so with how much I would able to raise my payments. They called back after 2 weeks and told me I HAD to pay my debt in full. 
-I asked several times for documentation stating where I said I could only make payments for 12 months. I also asked for documentations stating why all of a sudden I had to pay it in full. 
-They kept calling me while I was working and I told them they needed to stop calling me during this time. Yet I continued to get several phone calls. When I finally answered one and told them I had asked several times for them to stop calling me while i was at work, I was called a liar. 
-I feel threaten, harassed, and lied to.
On XX/XX/XXXX I made an online transaction of {$2500.00}, using the Bank Of America banking phone app, to send money to a friend. The app claims that it only required a phone number to be able to send money to the correct recipient. Both my friend and I are enrolled with Bank of America mobile banking. I entered my friend 's phone number and transferred the money. My friend got a text message confirming that I made the transfer, but the money never got deposited to his account. On XX/XX/XXXX, We called Bank Of America to ask what going on. They explained that the money went to a different person. They briefly explained that there was an error in the process of registering account with phone numbers. And there was another account associated with my friend 's account. We filed a a claim with Bank Of America on the same date. On XX/XX/XXXX I called Bank Of America to ask for an update, and was told that my case got closed without anything they can do because the person who had my money didn't have enough money in his account to return my money. I was told to seek my own legal counsel, and denied all responsibilities, even though they're the one at fault for transferring my money to the wrong person. The law services I've been contacting would not want to take the case because the dispute amount is too little ( but it's not for me ). I don't want to lose my money for I did not make any mistake. I don't feel like it's my responsibility to clean up this mess.
On numerous occasions I have called Conns and the credit bureaus and both of them will not comply. I am not liable for this debt. I do not have a signed contract for this debt and I have never done business with this company.
On XXXX XXXX, 2017, I disputed the account listed on my credit report as XXXX XXXX. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought XXXX XXXX. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My Experian and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.
Equifax XXXX & XXXX have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. Without my phone number this alert is useless and it was never requested or given ...