WillisBack/dataset-financial-user-claim huggingface dataset:
My sister in law used my husband as a " reference '' on a loan. Most likely XXXX. The collection agency had calld us threatening to sue and uses aggressive language if we do n't get her to pay this loan.
Information for ID theft and XXXX XXXX is for Trans union and XXXX and the whole thing is for XXXX I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXXXXXX XXXX will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.
The Coinbase website says that ACH transfers are free for deposits, but does not state whether there is a fee for withdrawals. They do state that for wire transfer deposits there is a {$10.00} incoming fee, and a {$25.00} fee for outgoing wire transfers. I believe this is a deceptive marketing practice, because they either charge {$25.00} for outgoing ACH transfers, or default you into a more expensive {$25.00} wire transfer fee. A second deceptive marketing practice by the company is that when you place a withdrawal in the XXXX app, they show you a confirmation screen for a withdrawal of the full amount, but then hours later send you an email with a small disclosure that you are being assessed a " {$25.00} Banking Fee ''. The fee is not described as a wire transfer fee, or a bank specific fee, it is just a generic " {$25.00} Banking Fee ''. I believe this is deceptive because if the XXXX application shows a screen that makes you think the full amount you requested is being sent to your bank, but then hours later tell you that you will be getting less money via email, if you do not read the email, you will not know you are being assessed this fee. On X/XX/2017, I made a withdrawal from my Coinbase account for {$290.00}, and they showed me an app confirmation screen for a withdrawal of {$290.00}, but later sent me an email for stating that my withdrawal amount was {$260.00} because of a {$25.00} banking fee. I checked the Fees and Disclosure page but no " {$25.00} banking fee '' was listed, and they claimed that ACH transfers were free. I also did not opt or request a wire transfer, and so I do not know why I was assessed the fee. In summary, I believe Coinbase is violating multiple Federal laws. I believe that they are violating FTC Truth in Advertising Laws, since they deceptively advertise their fee structure. I also believe that they are violating SEC laws as my fiduciary. If virtual currency is treated as property for Federal Tax purposes, than Coinbase has a fiduciary duty to do what is in my best interest. By charging  excessive and undisclosed fees, I believe that they are in violation of the law, since it is not in my best interest to be assessed those fees.
I opened a checking account on XX/XX/XXXX and the bank is refusing to mail me a debit card on the account. I have had a credit card account with Chase for years and wanted to have my banking at the same bank as my credit card. They are providing me no information why they are trying to restrict me from having access to my money, and the only thing I can think of is that are trying to use my money for the interest and not allow me access to it for that reason. All I want is a debit card, it is that simple. I am not sure if the actions by Chase are money motivated because they want to use my money to make additional interest, or if they are racially motivated.
My husband and I recently tried to refinance our home through XXXX XXXX XXXX. Our loan agent pulled a credit report through XXXX XXXX XXXX and the numbers on the report had to be wrong. The report showed a credit score for XXXX for my husband which could not be accurate since XXXX currently shows all XXXX and no reporting history for my husband. A complaint was filed with the CFPB under XXXX. When my credit report was pulled the report also showed numbers from all three agencies even though my XXXX   credit report currently shows all XXXX  for me and no reporting history. A complaint was filed with the CFPB under XXXX. Obviously, there are issues that need to be addressed.
A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX  XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.
I have file d two di sputes to update the following information one on  X/X/  17 an d one on   XXXX   17 - not hing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :   XXXX   Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting a n Open sta tus, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all  XXXX  reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is re porting no term which should reflect 360 months. The payment status is incorrect on   XXXX   and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
This collection agency continue to threaten me with wage garnishment about a debt I know nothing about. In the past I went to the court to get information about this debt. It was to a fitness club I never attended.. All court information was sent to an address where I did not lived at.
My current loan with XXXX is being managed by a debt management company, XXXX XXXX XXXX. The company has been making payments on this loan; however, XXXX is reporting my account as deliquent and past due, which is negatively affecting my credit score. I have tried contacting XXXX  by email since XX/XX/2018 and have not received one response to any of my emails. When I contacted them by phone, they would not speak to me or provide any information since they have it recorded the loan is being managed by XXXX. However, my XXXX  representative has been unable to get ahold of anything at XXXX either to get this resolved.
I would like to dispute XXXX and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a XXXX XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local XXXX XXXX on XXXX/XXXX/15 and asked how to proceed. The teller told me to deposit the check to my XXXX Checking account # XXXX and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account ending XXXX. 

On XXXX/XXXX/15, I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a XXXX XXXX. 

I respect XXXX decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately and removed from my record.
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and Transworld Systems. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX, XXXX, or Transworld System. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
XXXX XXXX XXXX had a hard inquiry on my Experian Credit Report on XXXX/XXXX/2015. I have no knowledge of what this is.
XXXX XXXX made an arrangement with me for repaying loan. I made XXXX payment XXXX for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and XXXX XXXX said if I made a payment every XXXX on XXXX I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment XXXX. They said I promised to pay the entire amount by XXXX which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared. 

XXXX XXXX
I had setup recurring loads ( {$25.00} ) on my Amex Serve card from my Checking Account through the linked Debit Card. Basically with the idea of saving few bucks everyday. 
I also had a Direct Deposit ( part from my pay check ) getting credited to this account twice a month. 

I also used this for few purchases once in a while and I used this card primarily for Emergency fund and had around {$5000.00} + left in my account. 

And one day ( on XX/XX/XXXX ) i got an email with a subject " Termination Of Funds Loading Capabilities on Your Serve ( R ) Account ''. 

I have no idea what is the issue here. And as the subject says i am not able to load any more funds on my account. 

I was scared there was some issue with then bank and withdrew all the left over money to my bank account. 

They have mentioned that they have " observed unusual usage patterns ''. 

What is unusual here? Loading Money from my bank account? 
or using this as Emergency Fund Account? 

I just need to know the real reason.
When I was XXXX years old I thought it would be a great idea to go to a XXXX school. I found one in XXXX and before I knew it I had a loan with XXXX XXXX for {$20000.00}. What I did n't understand at XXXX were the terms of the loan. I 've been paying the loan for 10 years and my balance is still {$20000.00}. Looking at it now I see that my re-payment amount is {$75000.00}. So far all of my payments have gone to interest. {$75000.00} for a beauty school which I consider to be a scam seems insane. I pay over {$300.00} a month.I do believe I was a victim of predatory lending. The total payments so far already add up to far more than my original loan amount.
Today one of the representatives called me while I was at work and was very rude on the phone. I let him know that the whole situation will have to wait because I 'm at work and he told me it could n't because it affects my credit. After that he started talking over me as I was speaking to him explaining I ca n't continue on trying to figure out this how to fix the situation. Things escalated and I ended up having to hang up on him because he was still rude to me after I explained to him he is not supposed to be talking to anyone like that especially as someone who works in an office. I feel harassed and he was being manipulative and I do n't appreciate that. On top of that I also explain to him about how my medical insurance already paid out what they could and sent an explanation of benefits to the hospital and if he needs to talk to my medical insurance than he should. He wanted me to get them on the phone with him in a 3-way call which I did n't have the time for. He was very rude to me throughout the whole conversation.
Merchants & Professional Credit Bureau has been reporting a fraudulent collection on my credit reports in the amount of {$92.00}. 
I only found out about this collection from reviewing my credit reports. Merchants & Professional Credit Bureau continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints with the FTC, the TX Attorney General and the BBB. 
The account number listed on my XXXX report is XXXX. The last XXXX numbers have XXXX so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX Attorney General. 

I also plan to file complaints against Merchants & Professional Credit Bureau for ethics violations with XXXX.
On  XXXX   XXXX ,  2017 , at  XXXX  an individual by the name of  XXXX   from Navient called my  parents and left a voicemail informing them  Navient was tr ying to get a hold of me.  XXXX  informed my parents I owe money and it was a federal offense not to respond. She left a phone number in the voicemail  XXXX   XXXX   XXXX . My father returned the call by calling the number it came from and a female on the other end of the line answered, " Hello. '' My father said, " You called this number. '' And then the women hung up on him.  <P/> This is t he 4th time now I have requested Navient not to call my parents and the second formal complaint.
Received letter saying that I owed for a debt from a credit card that was over 8+ years old. This debt is no longer able to be reported to credit bureaus, it is out of statute and industry standards. It is also out of Colorado legal statute, therefore can not legally be collected. This debt is too old, and a closed matter. Trying to collect on it is an illegal attempt to bully, and negatively affect my credit.
I have fr previously submitted a complaint XXXX. The response from Chase bank was n ot what I had wanted. I want a detailed investigation as to photo status of the alleged credit card that I am alleged to have on XX/XX/XXXX am XXXX XX/XX/1994. What yhis did I buy with this card.
Ive been charged XXXX dollars in the pass 5 days for nsf fees, thats from no fault of my own. Yet my acct still has money in it. Chase customer care said they only wave overdraft fees 3 times in a 12 month cycle. Im not a wealthy person. I work hard for my money .and chase seems to have found away to take it. XXXX XXXX I was charged XXXX. For overdraft fees XXXX XXXX I was charged XXXX for fees XXXX XXXX the same. Ive spoke with the bank several times and has gotten no where.
hexagon collections in XXXX  CA called me and demanded that I reissue checks made to my former dentist into his name, I have been sending in checks for the last 3 months to XXXX XXXX XXXX  and this was the call that I got today where this gentleman called me a XXXX XXXX and told me this would destroy my credit I have been making payments to this dentist and because he hands the checks over to this guy he calls me an XXXX, that is out of line and also to tell me that this will destroy my credit
Nothing was sent to me in writing about this debt. I got knowledge of it when I check my credit score this morning and this debt went into collections.
Creditor : Western Shamrock Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( Western Shamrock XX/XX/XXXX ) I contacted Western Shamrock on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Western Shamrock or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
I am filing this complaint because I cant help but feel a little cheated here. My credit score has dropped by over 90 points as a result of this collection from ATG credit. This is all stemming from a medical collection that I thought insurance was going to cover. The whole medical billing process is a mess and Im now being severely punished for something I had no fault in. Im trying to purchase a property and Im unable to qualify for the home loan program because my credit score is too low. I paid this collection once I was able to ascertain that it was  valid and that it indeed was my liability. Throughout that process I think its worth mentioning that I kept receiving nothing but conflicting information and this is what ultimately led me to delay the process of making the payment. I already pay quite a bit of money every month for insurance so who would want to pay more without verifying information? 

In addition to this, I was also informed by a supervisor that once the account is paid, that the damage to my credit score will be reversed. This simply isnt true as I have come to find out that the Version of the Credit score that is utilized in Mortgage lending will punish you the same amount regardless if the collection account is paid or unpaid. This is really a travesty, I am unable to fulfill a lifelong dream of purchasing a home over a small medical collection. 

I am asking that they submit a request to remove this account from my credit reports so I can move forward with the purchase of my home.
My Chase Savings account had the following unauthorized XXXX transfers : XX/XX/XXXX - {$0.00} ( authorization transfer per security feature of XXXX ) XX/XX/XXXX - {$400.00} ( XXXX XXXX ) XX/XX/XXXX - {$1.00} ( authorization transfer per security feature of XXXX ) XX/XX/XXXX - {$260.00} XXXX instant transfer XX/XX/XXXX - {$400.00} XXXX instant transfer XX/XX/XXXX - {$400.00} XXXX instant transfer XX/XX/XXXX - {$300.00} XXXX instant transfer XX/XX/XXXX - {$490.00} XXXX XXXX transfer XX/XX/XXXX - {$560.00} XXXX XXXX transfer XX/XX/XXXX - {$480.00} XXXX Instant transfer I notified the bank of the unauthorized activity on XX/XX/XXXX, initially {$2100.00} of the charges were reversed by Chase. However, they changed this decision and later only refunded {$1000.00} of the total {$3300.00} ( reversing the transactions from XX/XX/XXXX and XX/XX/XXXX but not the transaction from XX/XX/XXXX ). Despite several appeals and the willingness of XXXX to reverse all of the transactions per several conversation with XXXX, Chase refuse to request ACH transfers for the remaining transactions leaving me with a theft loss of {$2200.00}.
My identical twin sister and I have very similar social security number. TransUnion has had our report as one report for well over five years. They claim no fault and have even given both of us access to our report with different social security numbers. They fail to properly fix with 60 days. 

This is includes the following lenders pulling hard inquires on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX - XXXX XXXX  XX/XX/XXXX Capital One XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXX Vs XXXX XXXX XX/XX/XXXX XXXX
There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  XXXX