WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a message from a woman identifying herself and XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX, XXXX. She stated that this was an attempt to collect a debt and to please return her call at XXXX. On XX/XX/XXXX I called the office back and spoke to XXXX XXXX who said that my account representative had just walked in and she then placed me on hold. The woman, XXXX XXXX came to the phone and identified herself and that this was an attempt to collect a debt. I allowed her to present her case to me and she then asked me if I had anything to say about the accuracy of the debt and had I incurred it. I told her that it was my debt but that I had gone to court and the amount that the judge said I should pay was less than what she was quoting to me. Her response after that was " So you went to court and was given an amount to pay and you still have not paid it '', '' XXXX XXXX, I am trying to understand why if you were given an opportunity to pay the debt almost a year ago you still have not made an attempt ''. After telling her there was a terrible echo in the phone, I explained to her that I was unemployed at the time of the event ( eviction ) and only started working full time hours as of XX/XX/XXXX. I also explained to her that I had several collections on my credit account now and was paying them off one at a time with the money I had, smaller ones then larger ones. I also explained to her that I had several failed attempts to borrow the judgement amount but was unsuccessful due to the collections. Her last statement to me is the reason I am writing you. XXXX XXXX, then told me " so you mean to tell me that you have the money and and you are n't going to pay this debt!, well next month ( which was when I told her I could pay on it ) you will be in court and you will pay the full amount. It was at that point that I tried to tell her that her tone and overall demeanor on the phone was unprofessional and aggressive but she interrupted me again. I then tried to tell her not to call me again but she then hung the phone up while I was yet speaking to her. I called back and she answered and when I went to explain the situation she said " yeah I am the one you were talking to '' and hung the phone up again. I called back again and that time got XXXX XXXX again and told her that I would prefer that the office only contact me via mail and not to call again because XXXX XXXX was XXXX, trifling and unprofessional and I was sorry. XXXX XXXX took my information and said the office would oblige. 
I understand that neither your office or the Ga. State Bar can discipline the attorney for this event, however, if you would please, reach out to them about the rude, bullying attacks that this representative of the firm is allowed to launch on debtors like myself. I am sure again, I am not the only one that has been subjected this behavior. I did reach out to the Consumer Assistance Program that is associated with the Georgia State Bar and was told that I might file with you or the FTC. The FTC, referred me back to you.
XXXX/ XXXX  Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX XXXX XXXX
I ended my contract with XXXX in XXXX 2014 and they still charged me a month 's fee even after I switched carriers and no longer had active service with XXXX. I do not owe this amount as my service was terminated.
Through numerous requests, I've followed the guidelines of the FCRA in requesting that Experian fulfill their mission statement and report accounts with integrity. Experian have failed to provide me with ANY documentation or physical proof of their methods of verification, even though I've requested them with numerous certified dispute letters. All of these letters were FCRA 609 ( a ) ( 1 ) ( A ) based,  which means they were obligated to provide me with a tangible original signed consumer contract with my signature on it, showing that they've effectively investigated every account I've disputed. 

In addition, neither Experian, the collection agency " XXXX XXXX '', or the original creditor " XXXX XXXX XXXX XXXX XXXX '' have responded since XX/XX/2015 with ANY documentation. When creditors and collection agencies don't respond to a FCRA 623 letter, I have no choice but to direct my dispute with the bureau. I'm NOT claiming identity theft, instead, I am demanding that this account be removed as it does not belong to me and I have no knowledge of it's origin! 

I have sent my non-response letters, therefore how are you verifying something that I absolutely can not get verified? The original creditor is not XXXX accredited, they do not answer their phone, they have no website or email address, and XXXX says it's an entity of two employers, their company isn't even registered with the CFPB. Who are these people?! Nobody knows! And ultimately, I no longer care. What I do know is that Experian have NOT verified this information and they need to be removed from my credit report.
Regions Bank took money out of my savings account to cover an overdraft fee which my daughter incurred. The company stated because I am listed on her account that they can go into my account and take any fees due if she does not pay for them. I am not happy because I was made aware of this after the fact of Regions Collection going into my savings account and taking money out without my authorization. I feel like a victim of Identity Theft. This is a policy that should be changed. No one including Regions Bank should go into my accounts and take money out without MY AUTHORIZATION,
I enrolled for a Citi Gold-XXXX miles reward program, was accepted, confirmed my acceptance and confirmed my fulfillment of requirements to earn the bonus miles with Bank 's customer service several times, they even told me the date the bonus miles would arrive. 
After that date, I inquired as to why the miles never showed up, the bank " launched an investigation '' and 2 months ( of collecting {$30.00} service fees while they looked ) later, they sent me a letter denying me on the grounds stating that I never enrolled for the rewards program, and when I provided the information on how I enrolled ( including the promotion code ) they stated that campaign was targeted and did not apply to me. EVEN THOUGH they accepted me, reiterated the requirements and repeatedly told me on the phone that I was enrolled and the miles would come. 

The bank is basically trying to deny me the miles and scam me for {$90.00} in account service fees for the account knowing they were never going to give them to me in the first place. I would like them to honor this agreement and grant me the miles.
Harassing phone calls, upwards of 12 times a day. I have informed them off being hard of hearing and phone calls are not best for me, no change. They have also called personal references in order to get payments on loans. They have called my inlaws, which I have never given their information to.
G.c services is a company that is working on its XXXX I ask them to validate this bill where I sign paperwork they send me a letter stating that they will tell all 3 credit bureaus to delet this off my report and it is still reporting to my report XXXX and XXXX I have the letter from this company proof and they still wont remove it when I call to delet and I sent the letter to the credit bureaus the amount is XXXX open XX/XX/2018 I told them this is not my account
XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.
I am not sure of what actually happened. Ive been monitoring my credit lately and seen an account I was unaware of. Based on the details I cant even determine what type of debt this is and how did is get on my credit report.
Hi this is XXXX XXXX XXXX started to look to refinance our house back in XXXX and found loan Depot online our current mortgage is through XXXX come the end of XXXX we were finally ready to start signing papers and finalizing this new current mortgage with loan Depot my loan officer XXXX told me not to make my XXXX payment with XXXX because things will be finalized in XXXX on XXXX XXXX we signed all the documents with a notarizer and the mortgage was supposed to send me my cash to close on XXXX XXXX I guess they said they were waiting on a credit card that I paid off to come through and did n't tell me so that took us into XXXX and now I have a late payment on XXXX Mortgage because they did n't pay it in time and now they will not help me because FHA will not allow a late payment I never missed a payment all year the only reason I missed this XXXX is because I was told not to pay it is there anyway I can continue with getting this loan or another XXXX
AMERICOLLECT XXXX ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX XXXX XXXX XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Early this year I received a notice that was sent to my daughter 's home in California from the XXXX. XXXX XXXX XXXX that said I had to retroactively file a XXXX XXXX Tax return and pay {$1100.00} by XX/XX/XXXX for tax, penalties, interest, and fees-see attached. I sent it to my CPA along with a power of attorney and she wrote the CA XXXX to inform them them that the address in XXXX was not my residence and that I was a resident of the state of Hawaii since XXXX -- see her attached certified letters dated XX/XX/XXXX and XX/XX/XXXX. Then, in checking my online banking on XX/XX/XXXX, I noticed the following ; XX/XX/XXXX LEGAL ORDER FEE DEBIT CASE # XXXX {$120.00} {$48000.00} Expand XX/XX/XXXX LEGAL ORDER DEBIT - CONTACT FRANCHISE TAX BOARD ( XXXX ) XXXX - Case # XXXX {$1500.00} I contacted Wells Fargo to dispute this and they said it was a " legal order ''. The finally sent me what the CA XXXX sent as their " legal order '' see attached. I contacted Wells Fargo legal dep't. and even their Executive offices and sent a letter referencing Wells Fargo XXXX # XXXX -- see attached. 
In essence, they robbed me and I'm certain violated Federal Banking Laws as I have no California income and the XXXX address is that of my daughter and her husband and isn't listed anywhere on my personal bank account, I have never been to their home/that address, and for Wells Fargo to honor this ridiculous Debit Order which in no way ties me to any California address and is not listed on my account, plus my having been a legal taxpaying resident of the state of Hawaii since XXXX -- -not to mention the XXXX 's fraudulent listing of " estimated income, etc. is bank fraud
I wanted to have a temporary lift on my Transunion Credit Report security freeze. I am a resident of the state of Nebraska which means I can get a freeze or thaw on my credit report without charge. When I tried to get a thaw by calling I was told it would be a {$3.00} charge. I gave my zip code which confirmed I live in NE. Since this was n't successful I tried to go online. My request could not be processed. I believe this might be because I have an alert on my account. I want XXXX things : 1. A phone number to reach a real person so I can get a thaw without a {$3.00} charge. 2. I want the CFPB to know that Transunion has a system flaw and all Nebraska residents have been erroneously charged {$3.00} for security freezes and thaws over the years. I also intend to contact the Nebraska Attorney General 's office.
Equifax and XXXX are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of XXXX over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. XXXXt has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
Hello. I have had nothing but problems for years with EQUIFAX. I recently filed Chapter XXXX got all my debt cleared trying to have a fresh start. I have asked EQUIFAX to remove all inquires I circled and sent them from my Equifax credit report. I have had so many people pull my credit unknowing since filing bankruptcy to offer me car deals and send stuff through mail. I also saw a change within a week of my credit score dropping XXXX points from where?? They have not provided why my score dropped so drastic. it is bizarre because XXXX and XXXX have honored my requests and my score is XXXX on both Equifax reports XXXX in XXXX XXXX and now XXXX XXXX XXXX something is clearly wrong especially since I have not occured any more debt and XXXX points is massive to not know where and why it dropped and came from. I always get a auto generated message from them no answers to why or how they found the information. They just say call the person inquiring but they say call Equifax!! Please help me I am restoring my life and trying to open a non profit for children in human trafficking. This is frustrating and unfair. 

RespectfullyXXXX XXXX
Trident Asset Management has been contacted on several occasions regarding a debt in the amount of {$140.00}. I was informed by XXXX in early XXXX that I do not have any past due bills/accounts with them. Therefore the collection account was removed from my credit report on XX/XX/XXXX. This account has re-appeared on my credit file as of the end of XXXX. I have sent numerous correspondence to Trident Asset Management regarding this negative account. In addition, they have failed to respond and update the account on my credit file as disputed. I am demanding for it to be removed as they have no proof that this account belongs to me.
I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company XXXX and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company EXPERIAN showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining Experien for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, XXXX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.
On  XXXX   XXXX ,  XXXX  at  XXXX   XXXX   XXXX   I called  XXXX   XXXX  at  XXXX   XXXX   XXXX  and  spoke  to  XXXX   EXT :   XXXX  to inquire about the late payments that occurred on my account after the account was closed.  XXXX   Advised that she  could not see any of the late payments that have been posted onto my account.     Upon doing an annual credit check I noticed tha t I had 2 late payme nts for the months of  XXXX  and  XXXX   XXXX . My account was closed in  XXXX  due to a motor vehicle accident that left my vehicle totaled and my account was closed in  XXXX  of  XXXX . I wrote the company to disput e the 2 late payme nts that had been put on my account after my account had been closed and instead on  XXXX   XXXX   XXXX  they posted another late payment to my account for the month of  XXXX   XXXX , 8 months after the alleged late fee occurred which caused my  XXXX   XXXX  to plummet almost  XXXX  points.     Further more the name is reported inaccurately on this account.
I contacted Experian Credit Bureau and opened an investigation into an inaccurate Bankruptcy filing in XX/XX/XXXX and associated incorrect address. The dispute was submitted on XX/XX/XXXX. I explained that this account has been disputed several times, and I requested a thorough investigation. 

Experian replied 2 days later ( XX/XX/XXXX ) and stated that the information was verified and will remain. 

I contacted Experian immediately on XX/XX/XXXX, and they stated a " third party provider '' provided the information. However, they advised that they could not tell me who that third party provider was. 

This is seriously affecting my ability to buy a home for my family, and I need help getting it resolved. 

I am more than happy to provide any additional information that may be required. 

Thank you.
Mortgage loan number : XXXX To Whom It May Concern : We received a letter and a package from Chase dated XXXX XXXX, 2016. This letter addressed the application for mortgage assistance. As per our knowledge the borrowers XXXX XXXX and XXXX XXXX had not provided, not requested, not applied for a mortgage assistance. Therefore, Chase is not on any capacity to enter our loan into such program without borrowers consent. Chase and its subsidiaries are breaking the lending guidelines rules and regulations in regards to mortgage lending and assistance programs. 

The borrowers XXXX XXXX and XXXX XXXX sent a letter addressing the issues with Chase, loan servicing and escrow accounts assessed. The borrowers requested that Chase eliminate the current loan outstanding and release the lien in the property in question as a bargain of any lawsuit against Chase for malpractice and breach of contract. The borrowers had never requested mortgage assistance. 

All of these documentations will be submitted to the legal authorities if Chase does n't take the matter seriously and proceed as request for borrowers to release the lien against the property and eliminate the current loan outstanding as pay off. 

If this concern is not address within 30 days of this letter a legal matter will proceed against Chase and subsidiaries. 

Best regards, XXXX XXXX and XXXX XXXX
I made a payment to Wells Fargo on XX/XX/2016, and then charged a late fee of {$28.00} for not paying the remaining balance of {$1.00} ( USD ) for the billing cycle of XX/XX/2016. You can see the payment and late fee charge on PDF document, " account_history_XX/XX/2016. '' I would love to borrow from Wells Fargo again, but because of their practices, I am unsure if borrowing from Wells Fargo would be in the best interest to help with pursuing academic achievements, or even attempting to make payments back to Wells Fargo.
On XX/XX/XXXXI made a cash deposit of {$83.00} at the US Bank located at XXXX XXXX XXXX. XXXX CA XXXX. 
I inadvertently used another financial institution debit card, I put in my PIN number and selected deposit. I put the cash money in and the button asked to complete deposit and a receipt came out stating deposit denied call the XXXX and then my card came out and I realized I used the wrong card. When I got home I called the XXXX number and the person that I spoke with said I would have to go inside the branch. 
Monday morning about XXXX I spoke with a banker, showed her my receipt and on the receipt where it list the last four digits of the card that I used was not US Banks card but my XXXX  debit card. The banker said its not something a branch would be able to handle but to call the XXXX number on the receipt. 
I was in the parking of the branch and called. The representative said because this is a business account it could be cleared within 4 days. I got upset because I had 2 checks out payable to my credit card company and didnt want my checks returned. He said any fees occurred would be refunded and I asked would like credit my account for fees my credit card is going to charge me and his response was thats not something they would be able to do. Again I got upset asking for a supervisor and he told me to hold on. About 2 minutes later he came back and ask me to continue to hold for a supervisor. He later came back and asked for my contact information and his supervisor would call me back. 
On Tuesday morning about XXXX I called the XXXX number and was told my claim was denied because no extra money was found in the ATM. I hung up and 10 min later I called to find out why it was denied and that something needed to be done because I made a cash deposit and someone needed to do some investigating. 
As of this writing my claim is being denied
Coinbase transaction placed and was promised on XXXX XXXX XXXX. Bank checking account was charged the transaction amount and fee. Funds were to be available XXXX XXXX XXXX inside of coinbase. Money is still out of my account and the purchase is still not in my wallet. I filed 2 support tickets under two different categories over the last month. XXXX response from company. I have all documents to support this claim and will provide as needed. 
I have tried to contact customer support but the phone system does not handle financial issues that are sensitive. Support tickets have received zero response. I have reached out to all moderators on their reddit page, also no response. 

XXXX XXXX - {$1000.00} removed from my account. 
XXXX XXXX - Estimated delivery date of purchase to Coinbase. 
XXXX XXXX - Unrelated to dispute I receive an annual e mail from Coinbase in regards to privacy contract and dispute resolution. 
XXXX XXXX - Based off information in Coinbase email I run a report that shows this transaction as COMPLETED. Which it is not. 
XXXX XXXX - Support tickets filed and every available alternative to contact exhausted. Was told multiple support tickets by the same person would slow down their response. 
XXXX XXXX XXXX - Still no contact in regards to dispute. No support ticket showing up in my cases under my support settings inside of XXXX. 
Still says pending inside of coinbase. 
Please advise on what approach would be best.