WillisBack/dataset-financial-user-claim huggingface dataset:
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX AND THIS ACCOUNT WAS DISCHARGE UNDER MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. THIS ACCOUNT IS NOT REPORTING CORRECTLY ON MY XXXX CREDIT REPORT AND I HAVE DISPUTED THIS WITH XXXX AND CAPITAL ONE AUTO FINANCE MANY TIMES. I AM NOT ASKING THEM TO REMOVE THE ACCOUNT SINCE IT PART OF MY BANKRUPTCY SINCE IT NOT DUE TO COME OFF MY CREDIT REPORT UNTIL XXXX OF XXXX. THIS ACCOUNT NEEDS TO BE UPDATE CORRECTLY ON MY CREDIT REPORT. FOR EXAMPLE THE PAYMENT HISTORY GUIDE ON THIS ACCOUNT IS ALSO PART OF MY XXXX  XXXX BANKRUPYCY AND IT NEEDS TO BE UPDATE AS PART OF MY DISCHARGE XXXX  XXXX BANKRUPCY. THE PAYMENT HISTORY ON THIS ACCOUNT SHOULD NOT BE SHOWING ON MY XXXX CREDIT REPORT. MY LATE PAYMENT AND MY CHARGE OFF ARE PART OF MY BANKRUPTCY WHICH IS INCLUDED IN MY BANKRUPTCY AND IT NEEDS TO BE UPDATED CORRECTLY. SECOND THE TERM 72 MONTH IS ALSO INCORRECTLY IT SHOULD BE SHOWING XXXX SINCE THIS ACCOUNT IS DISCHARGE AND THAT PART OFF MY CREDIT REPORT NEEDS TO BE UPDATED CORRECTLY. CAPITAL ONE AUTO FINANCE AND XXXX ARE NOT REPORTING THIS DISCHARGE ACCOUNT CORRECTLY ON MY XXXX CREDIT REPORT
After Consolidation and repayment of my loans, I still have student loans that are paid, and closed reporting on my credit file please remove as this is serious hurting my credit status, and report only accurate information, also most of these loans reporting are XXXX plus and are requires by law to be removed.
After Gap company and insurance company paid off balance of the car the finance company add {$490.00} to the remaining balance that Gap company did pay/wave off. It was about {$1900.00}
We purchased a ring at Zales on XX/XX/XXXX. They had an 18 month XXXX interest financing promotion so we decided to take advantage of it. We financed {$6900.00}. We had an auto pay set up with Zales/citibank, they told us that they would notify us in writing when the promotional rate was going to be over so that we would pay the balance off in full. On XX/XX/XXXX, they call us and say that we owe them money and that it was a collection. We were shocked as we had been paying through autopay all along. Then they tell us that we owe an additional XXXX because the promotional rate expired. We told them we should have been notified in writing when the promotional rate was going to expire so we could pay off the balance and when our auto pay would cease. This was never disclosed to us when we purchased the ring. The promotional rate when we called expired on XX/XX/XXXX. They do not give appropriate disclosure regarding financing and it is a big issue trying to get in touch with someone to help resolve this.
My firm represents XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. I am submitting a complaint on its behalf with reference to a condominium unit designated as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The owners, XXXX XXXX XXXX XXXX, vacated and abandoned the unit. The unit is not being maintained and currently condominium fees in excess of {$38000.00} are due and owing. The owners and the mortgage lender are receiving the benefits that the condominium association provides at the expense of other paying owners. A mortgage foreclosure was commenced in 2009 and dismissed for lack of prosecution.
On XXXX XXXX XXXX I requested a balance transfer, via phone, from my Wells Fargo XXXX XXXX card. I gave the XXXX digit number of the credit card I wished to pay off. I gave the last XXXX digits of the Wells Fargo XXXX, the last XXXX digits of my SS, my full name, and my full mailing address. I was told at that time the transfer was on it 's way. I monitored both cards and a week later I noticed the card I was trying to pay off had not been paid off. I checked my Wells Fargo account and noticed XXXX transactions. XXXX taking money out of the account ( to pay off other CC ) and XXXX returning that same amount back to my WF CC. I called WF and they said XXXX XXXX refused the electronic transfer. I told them the CC I was paying off has never been associated with any XXXX XXXX  Then WF sent me a cashier 's check payable to myself and XXXX XXXX I have never had an account with any XXXX XXXX. WF would not tell me where XXXX XXXX is located. I had WF stop payment on that check. And asked them to send the balance transfer to my XXXX XXXX, the holder of my XXXX XXXX. They told me that I was all set. A week later, on XXXX XXXX I asked again where my balance transfer had gone. XXXX XXXX. Again, I told WF that the card is NOT associated with any XXXX XXXX. WF escalated my case to the XXXX branch. Today, XXXX XXXX, I have repeatedly call to get a check sent solely to me to pay off this balance. They now want the XXXX digit security code on the back of my Wells Fargo Visa. I will not give it to them. XXXX times they have tried to pay this card without that XXXX digit security code, therefore they do not need that number. Can you help me resolve this. Thank you in advance for your help.
I applied for a Home modification in XX/XX/XXXX with Bank of America ( BOA ) ; the mortgage at that time was {$1000.00}. I was placed on a trial period ( XX/XX/XXXX to XX/XX/XXXX ) with a reduced payment of {$620.00} while it was being determined if I qualified for the modification. I have never made a late payment at any time of paying for my home. 
In XX/XX/XXXX I was notified that I did not qualify for the modification. 
In XX/XX/XXXX I started receiving foreclosure letters from BOA for the amount of the difference of the original mortgage payment and the reduced trial payment. 
In XX/XX/XXXX I wrote a letter to XXXX XXXX, CEO of BOA. In the letter I voiced my concern for the threat of foreclosing on my home and for the erroneous reporting to the credit bureau. I could not believe what BOA was doing, especially when I was given permission to make reduced payments. Not only did they threaten to put me in foreclosure ; they reported to the credit bureau late payments, for the months of XXXX through XX/XX/XXXX ; I was outrage. 
I received a response to my letter from BOA dated XX/XX/XXXX. In the letter I was told that my application would be reevaluated. 
I received a response letter from BOA dated XX/XX/XXXX. This letter stated I was approved for the loan modification. 
Later the next year my loan was sold to another mortgage company.
this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XXXX put on credit report XXXX just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX business this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to XXXX that can be fixed and this behavior by three reporting agency addressed and fixed.
I am requesting the removal of negative reports for my student loan accounts due to personal family issues. Attached is the letter that I would like to send to FedLoan to have the negative reports removed.
On XX/XX/XXXX according to the judgement case file, a case was filed against me from portfolio recovery associates. <P/>I never once received a summons to appear to court and on XX/XX/XXXX the default judgement was awarded to them. <P/>I went to the court house recently to figure out what this was because I only found out about it while trying to get a house mortgage. They told me what address they sent it to which was wrong, and said the signature they could not read but yet the delivery was successful. <P/>I 've tried to contact them for more information and proof of this debt because I have never own a credit card through XXXX. <P/>This is not only hurting my credit, but also hurting my chances of owning a home. <P/>Thank you for your help.
I recently applied for a house loan but was denied because of XXXX XXXX that still appear on my credit report as paid late. The account was disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the account is being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
I XXXX XXXX made three payments toward modification then Wells Fargo foreclosed in XXXX. Bankruptcy attorney XXXX XXXX saved the house. Account XXXX. The same occurred in XXXX. XXXX XXXX XXXX XXXX proved mortgage fraud. Now in XXXX they have already forclosed. They separated the note from the deed.
Previously I was utilizing a lawyer to prevent a foreclosure on my house. As of XXXX XXXX, 2015 I am no longer using legal services. Prior to XXXX XXXX I had requested multiple times to get a lost mitigation package. The person handling my account would not respond. I called and left messages, emailed and faxed many times but I was ignored each time. Several times my husband called and was ignored too. Our circumstance has changed and now we have a little more finances to work with but the mortgage company wont take the time to hear our pleas.
Bank of America violated Federal Law by not placing a " disputed by consumer, '' on my credit report within 30 days. I have certified letters with signatures and waited 30 days after the signature to pull another credit report. They never did mark my report as disputed. I sent then another letter stating they have violated Federal Law under the Fair Credit Reporting Act, Section 807 ( p8 ) and I still have it showing on my credit report. By law they have to remove this negative correspondent on my credit report.
Letter from Selip & Stylianou , LLP states : I last paid on XXXX/XXXX/XXXX on a XXXX bill. I still owe {$1200.00} on balance. Also states : A court granted a judgement against me on XXXX XXXX, XXXX for {$2300.00} for same credit card. As this card is 15 years old, I ca n't remember if I even had this card. This Law firm says its going to freeze my bank account and take all my money.
When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the XXXX will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the XXXX people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.
XXXX/XXXX/XXXX I opened my Coinbase account and bought {$1000.00} of XXXX and {$1000.00} of Ethereum with money transferred from my XXXX XXXX XXXX account online. 

The XXXX was n't available to trade for well over 2 weeks, and of course with several attempts to inquire ... no one was available to answer me. 

XXXX XXXX, XXXX I tried to sell my bitcoin at a posted price of {$19000.00} but their system was down. There was nothing I could do but watch my money disappear as the value steadily dropped. I tried several times to log in but the system was down all day. Now it says my account is locked. I ca n't get into my account and access my money and I have tried to call them hundreds of times. I found phone numbers off of the local phone listings, their own customer service number, their main switchboard, as well as dialing random extensions within the company. I sent emails to their support email, contacted them through their customer support twitter, I sent messages to many people at Coinbase through their linked in accounts. Nobody, and I mean NOBODY is responding to address the issue. And I know there are XXXX 's in the same boat. 

They are an exchange built to process transactions but their system is not able to handle it and they are unwilling to address the issues while locking people out of their money and not accountable. They should be fined if not banned. Lawyers, regulators, and politicians should be all over them. They are VERY DANGEROUS and a SIGNIFICANT LIABILITY! If XXXX XXXX randomly didnt let people access their accounts for weeks and didnt answer ANY customers.there would be a national uproar. This is on that scale!! How many people are involved and how much money is involved in bitcoin and through Coinbase??? This is massive and must be addressed immediately! 

And out of all the calls made and people contacted on various platforms, NO ONE answered or returned my calls/messages. 

Please : 1 ) Read comments on @ Coinbase and @ Coinbasesupport on XXXX XXXX ) Read comments on Coinbase and Coinbase Support on XXXX
XXXX service was purchased through XXXX XXXX XXXX on XX/XX/2018. Immediately received poor quality service and reception through XXXX, subscription cancelled within first week. Also, continuance poor customer service through XXXX XXXX XXXX. 

The next month a charge was taken out of a bank account for a total of {$460.00}. After calling several times regarding this issue continually not being resolved, and being transferred countless times and spending hour upon hours on hold every single call just to have half of the calls transferred to non existent numbers and needing to restart the process time over time again, and being told the issue was going to be resolved, a rep informed me it was a ETF, which could not be refunded, despite being told several times the charge was made in error and was going to be refunded. After XXXX XXXX XXXX refused to refund the money, a complaint was made through XXXX XXXX   under the charged bank account. XXXX XXXX deemed the charge worthy of being refundable. The banked processed a refund for this charge. 
Started receiving phone calls regarding an unpaid debt that matches a previous amount charged through XXXX XXXX XXXX. This charge was for XXXX, the charge of the ETF through XXXX XXXX XXXX.
Hi There : We previously lived in an Apartment complex called XXXX XXXX who required us to obtain our television through a company called XXXX XXXX XXXX. They incorrectly billed us for a modem that we NEVER PURCHASED from them. 

After we moved out of that complex, they sent us a bill for the modem. We called more than 5 times, spoke with numerous people, managers, etc whom all acknowledged the error and confirmed they would remove the charge. They reassured us that this bill will be removed. 

After 6 months, we received a collections notice from a company called Awa Collections, indicated that XXXX XXXX XXXX is sending us to collections for a bill of {$51.00}. 

This will negatively affect our stellar credit, it is completely wrong, and needs to be corrected. 

The CFPB should contact XXXX XXXX XXXX  and require them to correct their unscrupulous bill collection methods. 

Thank you. 

XXXX XXXX XXXX
GM Financial with the amount {$72000.00} does not belong to me, identity theft issue.
I received a phone message from a Guy named XXXX at XXXX ext XXXX. They only thing he said is that he had information on where I worked and to give him a call. When I called to speak to him today in regards to what it was for, he did not verify any information with me. He could n't verify it by caller ID because I called from my place of employment. He only asked me for my name and that was it. He did not mini Miranda me and did not tell me that it was an attempt to collect a debt. He then disclosed my ex-husband name to me, the name of the original creditor, and the amount that was owed. He did not verify by ssn, address, dob, phone number nothing that it was truly me he was talking to. It could have been anybody calling in stating my name and he just disclosed all that information to me without truly knowing who I was. I offered {$50.00} per month until my wages that are currently being garnished is paid off then I could start paying more. XXXX refused to try to work with me and made the comment that this conversation was going nowhere and hung up on me. Did n't give me an opportunity to try to offer a different amount or anything. After he hung up on me, he immediately turned my file over to the legal department so then when I called to talk to his supervisor, he was n't willing to work with me either. It really disturbs me that XXXX disclosed that much information to me without verifying who I was and hung up on me before I could try to get something worked out.
XXXX froze my mothers account 8 weeks ago. When they initially called their questions made me uncomfortable as they sounded like they could be a scammer so I hung up. 2 weeks later I received a letter about it and called them. Our financial and tax advisors helped me submit what was requested and after 3 weeks they contacted me for additional info but also I had to resubmit documents I had already sent. After numerous phone calls to find out the status and more resubmissions its now been under review for a week. They have told me that the only way to know if the freeze has been lifted is by calling in. NO notice will be sent to me. 
This is my mothers primary account, she is XXXX and has XXXX and XXXX needs to be paid! They are now bouncing checks and this includes a {$19000.00} payment. I have also asked how they will help fix the problems they have created ( declined payments ) Their answer has been that thats not their problem.
0n XXXX-XXXX-2017 i Purchased a 123 Rewards Gold Debit Mastercard ... Placed A XXXX Dollar Bill In Cash On The Card at XXXX XXXX, OH Where It Was Purchased ...
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Later That Day I Called The Number On The Sticker That Was On The Front Of The Card And Activated It ... Found Out During One Of The Phone Calls, That The Accounts The Card Originates From Is US Bank ....
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I Tried To Use The Card Twice For Transportation Expenses and It Kept Coming Back Declined ... When You Call And Check The Balance On It It Says The Entire XXXX Dollars Is Showing Still On The Card ... ....
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After A Few Phone Calls ... The Pretty Much Tell Me That The Card Cant Be Used To Pay Bills Or Be Used At An Atm ... .. They Force You To Shop Online With It .... A Total Fraudulent Scam Card Through US Bank .... They Need To Be Reprimanded For Stealing Peoples Money And Making It Nearly Impossible To Aquire The Funds Placed on The Card ... .. US Bank Needs To Be Aware That It Is A Scam To Issue A Debit Mastercard That Wont Work At Any Atm A Total Fraudulent Scam From US Bank ...
On XXXX I received a letter from Champion Mortgage that they did not have proof of payment of my XXXX XXXX XXXX. Proof was faxed to them on XXXX. 

I further received notice that they had not received my occupancy status confirmation. That was sent to them on XXXX. 

Also, " on my behalf '' they have paid {$3800.00} for my XXXX XXXX tax and demand full payment by XXXX. This tax is not delinquent and is not even due till XXXX. I received no advance notice of this and do not have an agreement with XXXX to pay taxes, XXXX did not answer my phone call of XXXX and on XXXX a recording stated that they were closed. On XXXX I called and XXXX, from XXXX, confirmed that they had received the XXXX tax information and the occupancy status reports and she would call me about the XXXX tax bill. NO call has been received. 

NOVAD was contacted and information was faxed to them om XXXX. On XXXX I called them for an update. They said they never got the info. It was then emailed to them with XXXX : XXXX XXXX. 

Emails have been going on since then with no progress being made. It is now the due date! 

No company has the right to demand any payment that is nor delinquent.
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.
The medical practitioner at XXXX XXXX XXXX in New Jersey overcharged me for basic services. I paid in full at the time of visit. I never agreed to additional charges or services after the visit. 

They then tried to bill me an additional XXXX after I already paid them. 

I only received a basic physical with no blood work or extensive services. It was a 10 minute visit. 

They were not transparent that a basic office visit would cost XXXX dollars. This is what is wrong with health care in America. 

XXXX made no effort to provide evidence or help when I reported the issue. All of the other credit bureaus removed it along time ago. 

Simons Agency , Inc is the debt collection agency assigned to this account.
I sent the reporting agency a letter on  XXXX / XXXX / XXXX  then again on  XXXX / XXXX / XXXX  and finally another letter on  XXXX / XXXX / XXXX . They have not responded to my request with the required 45 day time.