WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX usd was suppose to be deposited into my account from coinbase on the XXXX i still have not got it. And only get automated messages replied to me no help what so ever. It says the transaction is completed but no money shows in my bank
Dear Consumer Financial Protection Bureau, On XX/XX/2017 my wife was browsing online and opened a website for eye cream but immediately exited when a small window popped up listing a " monthly program ''. Subsequently we were surprised when our Dividend Citi Mastercard statement arrived showing a monthly billing program for something for which my wife had not checked. The first two charges were listed as the following : XX/XX/XXXX XXXX  XXXX Ca for {$89.00} and XX/XX/XXXX XXXX XXXX XXXX CA for {$89.00}. 

Upon receiving this statement we called Citi Card which opened an investigation and then made our conditional credit permanent. We also cancelled that Dividend Citi card and received a new one to break any merchant charging chain ( advice of Citi ), We then cancelled the Merchant ( receiving an e-mail receipt ) for redundancy.

But then the real problems started with Citi starting again to do monthly charges for the program for which we neither had signed up for nor received anything and then added late fees and interests. We continued to pay promptly all of charges excepting out the fraudulent monthly billing which soon ran over {$1100.00} and for which we spent many hours on the phone in sheer frustration with Citi customer service. 

We were fortunate that our PA Attorney General 's office had a fine agent XXXX XXXX XXXX help with our case ( XXXX ) but now she has done all that she can and Citi continues to run the clock even though we cancelled that card and our other Citi Driver 's Edge card ( used for 23 years ). Her contacts are XXXX and XXXX XXXX. 

Upon reviewing ConsumerAffairs.com we realize that many other Citi complaints are based on Citi " holding a billing dispute open for many months '' while continuing to accrue a compilation of fees and interests. 

Thank you for your consideration. .XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and XXXX and landline XXXX XXXX and international cell ( not always the best clarity ) XXXX XXXX. 

We have a file of correspondence over a half inch thick and have spent many, many hours on phone calls with Citi Customer Service to get nowhere.
I used the XXXX through my Bank of America XXXX app. to send {$1000.00} to a person for tickets to a basketball game. The person never sent the tickets and did not respond to my numerous emails/texts/phone calls. 

XXXX had no protection and stated not use XXXX if you do not know the person. 

Bank of America said they could not do anything since I authorized the transaction and it was posted. 

Why is XXXX and BofA allowed to have a transfer service with no consumer protections for scams? XXXX  XXXX  and XXXX have means of getting money back if a consumer was scammed. Further, why is BofA forcing its customers to use XXXX to transfer funds? The consumer should have a choice especially given that XXXX has no protection if a person is scammed.
This company, XXXX, contacted me a little over XXXX yrs ago reporting that legal action would be taken on me if I did n't settle a debt from CastlePayday. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of CastlePayday and have never taken a payday loan out in my life. I reported XXXX at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.
I am being sued by Midland Funding LLC, who claim that they purchased XXXX of my alleged debts from XXXX XXXX. Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. 

They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Midland Funding LLC, however, Exhibit A is blank as the accounts were Redacted. 

They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Midland Funding, however there is no mention of any accounts. 

They have also included XXXX statements, seven months apart, from the original creditor. However nothing shows how the alleged amounts were calculated.
TRANSUNION & XXXX XXXX XXXX did NOT provide me a XXXX release that releases my medical information to transunion, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my XXXX rights also the FCRA..
DIVERSIFIED CONSULTANTS INC opened : XX/XX/2018( 2 mos ) i have tried to resolve this issue of identity theft on my credit. i need your help to resolve this for good on my account, i have been trying to purchase my first home and this problem as stopped me and my family from doing so. if you could please help me to remove this off my account i would greatly appreciate it.
I have a consumer car loan ( truck ) that has not been conventional by any sense of the word. Currently my loan is coming to an end ( 3 payments remain ) and for the past 2 years I have tried to get this corrected with little result. Like most normal car loans you can pay more or completely pay off without any penalty but in my case even when extra payments are paid it 's simply reduced the amount of the next payment instead of reducing principle. Interest rates are also based on the month previous last payment instead of the newest month minus payment paid. I 've gone to my local bank branch several times but have never been given correct information.
After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  Four  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX    XXXX   XXXX   XXXX   #  XXXX .   XXXX   needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
I received a notification through a credit monitoring system that a collections account was posted in my credit report. I found the information of the agency and after I called them they realized that the collections account belongs to my dad, and it 's related to a medical service that my younger brother received, at least that 's what they said. At first they refereed to my brother as my " son '' which is another obvious information mismatch and I clarified to them that I 'm single and I do n't have any kids. My dad and I almost have the same name, and we used to live in the same place but my birthday and SSN is obviously different. They told me to open a dispute with experian so when the collection agency receives a letter the will remove the account from my credit report. I tried to submit the dispute online with experian but the website told me to call them personally when this specific kind of issue ( mixed information ) happens. When I received the results of the dispute they stated that the collections account will remain in my credit because it belongs to me ( even though that the collection agency verified that it belongs to my dad when I called them ), so I went ahead and called again to open a second dispute but the result was the same. I do n't understand how my Dad 's and my credit report can get mixed up if with have different birthdays, and SSN. I do n't have any other credit history before 2014 because I was n't even in the country by that time. If you check all my other accounts are in good standing, and I have no problem to pay such a small amount, but the collection account is simply not mine. I provided my ID so you can verify that my information ( SSN, Birthday and second last name ) does n't match with the information that the collection agency has on record. I also provided experian with documents but I do n't know if they even used them. I also attached the report number and disputed item
XXXX XXXX child support opened a case against me in XXXX when they started taking child support out of my checks. I was then XXXX in XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed in XXXX of XXXX an report was added to the credit report in XXXX of XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.
I have a freeze on my credit report which should help prevent identity thief, but Transunion continues to allow inquiries into report. I have put a freeze on my report and alerted Transunion of the identity theft, but their response is always negative. Recently, I requested the removal of inquiries that were n't authorized by me, but Transunion refuses to remove it.
I 've been trying to get my loan modified with Wells Fargo since XX/XX/XXXX. I keep getting denials with no explanations or reasons to substantiate the denial decision. I keep resubmitting my information to be considered for the reentry process, to no avail. It seems as if Wells Fargo is trying to force me into foreclosure verses trying to assist me in keeping my home. When they review my payment history, they applaud how I 've been able to make timely payments and extra principal payments as a widow. 
I 'm not able to attach any documents. I 've never received a denial letter. When I called to get an update, they would tell me that my request was denied.
Someone stole a paycheck, with my name and signature on it, from me and somehow they cashed, now my bank ( Bank of America ) is  taken the amount of {$680.00} from my account saying that is a duplicate item, I had already contact the bank and they didnt do anything, they told me to contact my company, and company told to contact my bank, I dont what to do.
XXXX though American Education Services loan has a billing disgrepancy and an error reporting. According to the loan statement dated XX/XX/2018. Loan for original balance XXXX total principal satisfied XXXX showing this information on the monthly statement.

When principal is satisfied the loan is paid and no further interest should incur. They are still asking for payments of $ XXXXfor a total XXXX at the time.

Still making payments but this should be a paid off loan if the principal has been satisfied I feel like they are trying to get more money out of me. Please have my account looked over for accuracy. I called but was not given a reasonable explanation as to the billing presentation on the monthly statement.
I am looking to get a late payment removed from my credit history that occurred XXXX of 2017. I attempted to make this payment four times. The first three were unsuccessful because the account could not be verified. Im unsure the reason for this but I then changed to another bank account the third time and it still did not go through. Finally the fourth attempt at paying my mortgage it went through although this was after the end of XXXX. I am currently in the process of trying to refinance and in order to do this I need to resolve this issue. Any help or advice on this matter would be greatly appreciated.
Chase has informed me that they plan to close one of my credit card accounts. This account has been inactive for quite sometime with a XXXX balance. They informed me when this card expires they will in fact close this account. The problem with this is when they do close this account this will cause a reduction in my FICO score, I 'm currently saving and planning to make a purchase of a new home. This FICO score drives the interest rate and my new payment amount. If chase should choose to close this account and my score decreases due to this it will cause a financial hardship to me and my family, costing me tens of thousands of dollars in a course of a 30 year note. This is assuming I can even get approved at that time due to this. I 'm bringing this up as many years back when the economy tanked I never missed any of my payments they decided to reduce my line of credits setting off a chain reaction of many of my accounts pulling back on my there line of credits too. This at time could have cost me my business however I was able to weather the storm and endure the added costs inflicted upon me and my family. I 'm attempting to be proactive this time with no plans to simply roll over on allowing the big banks to again damage me. It would be different if I was bad paying consumer however I have literally 20 plus years of perfect credit When I say perfect credit what I mean is never miss a payment never not fulfill a commitment. This is what used to count not inquires, closed or open accounts or age of those accounts.This FICO score is driven off many factors and when a bank decides to hurt me for doing nothing wrong it is not fair to the consumer. If I were to harm them by not paying them I would end up in court. The same should apply to them as they should be held to a higher standard. This information is in regards to account ending in XXXX.
this company, Portfolio Group, at XXXX calls me repeatedly with different numbers claiming I owe a debt for a bad check from 2010. I have asked for them to provide proof of debt via US mail and they respond that they will be sending a process server to my workplace and will notify my boss and serve me and sue me.
I have paid 2 payments strictly towards principle on my auto loan and have been charged finance charges on both of them. I talked to 4 different people about it 2 before paying and 2 since paying. The first 2 assured me that it would be put towards principle and there was no charge for that. Then when I saw the finance charges I called back and they gladly fixed it. But I just looked at my account again this week and they have reversed the adjustment that they made ( no-one even contacted me to tell me this ) and now I have called back and the lady told me that I have to pay the {$10.00} fee on my XXXX payment and the {$26.00} fee on my {$76.00} payment. She told me that the calculate their finance charges everyday and that was why my fee was so high on the {$76.00} but I would never had made a payment if anywhere I was told that 30 % of it was going towards a fee. The lady I spoke with was not going to make an adjustment and could n't really even explain why I had paid so much in fees and why I had paid them period since they had fixed it at one point. I have made every other payment as scheduled in full every month
Can not make car payment online or over the phone when I tried to make payment on  XXXX  .2017. Got this m essage when I tried to make payment.     Sorry, you are unable to make a payment at this time.   You can not make any checking or savings account payments at this time. Please call Customer Service at  XXXX  to have your account reinstated.     I have called them several times about this issue and even when I tried over the phone it did not allow me to do so, it just cut me off.     The las t 2 p ayments have been made over the phone and tonight it would not allow me to do so. I have repeatedly asked them to fix the online tool and still has not. These people are CROOKS! I am over this entire fiasco with them and also have decided to report them to the Attorney General and also seek advice of legal counsel as they have continued to violate me as a consumer with illegal tactics!
Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 GFS II LLC  XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
I applied with my credit union ( Navy Federal CU ) on a mortgage. They claim that if they can not match a rate that a competing lender is offering that they will pay you {$1000.00}. I ended up closing with the competing lender and NFCU will not honor their {$1000.00} rate match claim as it is described on their match form. Their rate match claim form reads " Upon receipt, Navy Federal will review the HUD-1 Settlement Statement/Closing Disclosure and the Mortgage Note to confirm that the loan closed on the same terms and conditions originally quoted by THE COMPETING LENDER. '' The form does not say that it has to close on the same terms and conditions that Navy Federal was offering. I feel as though I was deceived by this and NFCU does not want to honor their rate match claim as stated on the form. I have been in the mortgage industry for 22 years and this is a classic case of deception that we learn about every year during our continuing education classes.
I sent TransUnion a letter on  XXXX / XXXX / XXXX  in regards to unauthorized inquiries being reported to my credit report. I 've advised them that I did not authorize these inquiries and to review and delete. Today I 've received a response in regards to my dispute letter from them dated  XXXX / XXXX / XXXX . They 've refused to investigate and delete these inquiries. A valid dispute should be reviewed in 30 days but I 'm almost positive they did not come up with a valid resolution for this dispute because they came up with a resolution  XXXX  days letter. There was clearly assumption from TransUnion that these inquires were unauthorized, with no investigation or proof. What they stated in the letter was " The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for  XXXX  years. '' As you probably know,  Credit Reporting  Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting  Act15 USC 1681n  ( a ) (  1  ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization.     The following unauthorized inquiries are as follows : -  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
25 years later I 'm still fighting a losing battle with my student loan. I am making the minimum payment it 's all in an effort but because of the interest my loan stays the same every month every year. I am on a student loan treadmill XXXX of which the loan will never be paid off most of the payment is going towards interest how is this legal? I really think we need to look at the student situation in this country and make some changes the interest rate should be kept very low for both subsidizing unsubsidized loan my current loan is 9 % on the {$13000.00} balance which is more than it was 25 years ago today. XXXX have mercy, I am sure I 'm not the only person in the situation, please do something are there any plans to change this or help with for people like myself or tax abiding citizens who do not work in the public sector? Please help this is making me in the American people poor in America and banks very rich.
I set up a payment to keep the account from being charged off and it was pulled back by the bank who I currently have a disputed as well and as a result they closed my account and sent it to collections
I reached out to the creditor and upon speaking with a representative whom provided his first name as " XXXX '' stated that there was n't much that he could do about the inquiries except what I am already trying to do myself and thats reach out to the dealership 's via phone. At this point the dealership is saying that since that since they are the ones ' who ran the credit, than they ( Santander ) are the only ones ' who may have the inquiries removed. 
Providing that they never had proof/written authorization via credit application following a valid state issued ID. I ask that these inquiries be investigated since I have already stated that my current state is a victim of fraud and identity theft. It has been made very clear that someone is and has been trying to obtain an auto loan. The excessiveness of credit being ran is point one of many. Credit does n't change much in a day or XXXX as agencies report every XXXX days raising a flag in most cases. That concludes my response and now it is my intent to resolve the matter with all options within my legal rights. Thank you for your time and attention regarding that matter as it is very sensitive.
I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by XXXX XXXX XXXX XXXX
I purchased a 7 day trial for {$1.00}, and it was advertised that you could cancel during the 7 days and there would be no additional costs. The number I was given to cancel was XXXX, which is also the number that was listed on Experian 's web site and also on my bank statement from XXXX XXXX. When I called the number, the automated service asked for my social security number and zip code, which I provided, and the response was that my account was a FREE ACCOUNT and there was nothing to cancel and it then hung up. It would not give me the option to speak to someone. After calling this number 4 times over 3 months, I assumed it was correct and did not review my bank statement again until a automated withdrawal caused an overdraft, and after checking my account detail, it was again Experian deducting another fee. I went to the bank and put in a protest of the fee, and also closed my account and created a new one. The bank gave me 3 additional numbers to call at Experian. Two of them also had the same recording that my account was free. The third one, XXXX provided a human to talk to, and she apologized and refunded the last withdrawal, but would not refund the overdraft nor the previous 7 withdrawals. I then told her to inform her management that I was reporting them for fraud, as they provided a number to cancel which informed me, the consumer of false information, and would not allow me to cancel.