WillisBack/dataset-financial-user-claim huggingface dataset:
My student loans ( XXXX ) have recently been transferred from XXXX XXXX to Navient. In reviewing the balances and the amounts paid each month, it appears that both XXXX XXXX and Navient have a practice of applying additional principal paid to the current months payment to the following months payment and not the principal of the loan. They reduce the amount due on the next months billing to allow the borrower to remain in debt for as long as they possibly can. I find this practice to be predatory and fraudulent. Something needs to be addressed about the practices of these lending institutions which force students to remain in debt for as long as they can possibly keep us there.
Last year I had a computer stolen, all my information was saved on the computer all my personal and password information. I am writing about all the inquires that I did not do. These are all that I do not have any credit with and would have never contacted them. they are listed here these are the ones from the Eqifax credit reporting bureau. I listed them here by the company and the date the Inquirey was made. 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 XXXXXXXX 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/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I do not have any creditors by these inquires and as you can see some are made twice in the same day.
I submitted for Equifax to remove this account from my credit report. However all they did was update and send me a copy of my credit report. This account is closed and has a zero balance please have them to remove this account from my report.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 2 times ) The phone number is XXXX and XXXX The company is identified as Diversified Consultants Incorporated. They are claiming to have an outstanding XXXX bill for me and is requesting that I give them the last four digits of my social security number and my current address in order to receive any of the actual details regarding the past due bill. I have told them over and over again I have a current bill with XXXX and do not have a bill in collections and if I do to please send all the information in writing. They are refusing unless I provide them with personally identifiable information. I called XXXX to clear the matter and they assured me I do not owe the bill. I called back to the collection agency to try to clear the matter and the person answering the phone refused to acknowledge that any one had called me from the company. I told her this was the number showing on caller ID. I told her I has spoken to a young man who identified himself as XXXX XXXX. She would not say whether anyone by that name worked at the place of business.
I was n't getting a high enough interest rate for my savings account at Citibank and went to withdraw my money from the account. The Citigold relationship manager, XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX IL XXXX location of Citibank said, in order to retain my business, he could potentially get me 1 % interest rate on a new savings account he could open up for me. He said that : - Normally I would need to add an additional {$25000.00} to my Citibank account. However, he could override that for me and get me the promotion. 

- I would need to transfer my money from the XXXX branch where it currently resides to his branch. 

We went back and forth on email a few times. After that we spoke on the phone and he said he both transferred my account to XXXX and got me the 1 % interest rate. This was at the end of XXXX. 

I had over {$300000.00} in the account and feel like I am due interest of 1 % for the last 2 months.
I have a XXXX credit card with Capital One and it includes a 1.5 % cash back on all purchases. Yesterday ( XXXX/XXXX/15 ) I saw a Capital One ad on TV stating that XXXX cards pay 2.0 % cash back. I called CapOne today and they said my card is stuck at 1.5 % and only new applicants for Spark cards get the higher rate. They refused to raise my cash back rate. The ad did not specify " new applicants '' ; it mere said XXXX cards deliver 2.0 % cash back. That is blatant false advertising.
Hi, I opened an account with coinbase. Their online XXXX system only works if you have driving license. I do n't. One day my account gets frozen and I am being told to unfreeze it I need to verify my documents. Their system is badly built with the section where I can submit my documents does n't work if the account is frozen. 

This has been going on for 2 months now - i even called their CS but they keep telling me that specialist will call me and nothing. 

No one is responding to my emails either.
When submitting a dispute the company is not providing physical information that will let me know they are getting the correct information to post on my report
Bank of America has intentionally sabotaged my account and the associated " Pay for Performance '' plan annual incentives, a minimum {$5000.00} value, I am now no longer eligible for due to the incorrect denial of a Home Affordable Modification Program ( HAMP ) of XX/XX/XXXX and the subsequent appeal, that to date, I have yet to be informed of the resulting determination made upon completion of the appeal review of XX/XX/XXXX in writing. 

Just to be clear, Bank of America has never written to e informing me of the resulting determination made upon completion of the XX/XX/XXXX appeal review and associated Appeal Report with documentation. In fact, Bank of America has represented to me I have been denied HAMP on appeal multiple times since XX/XX/XXXX by the various assigned dedicated single point of contacts ( SPOCs ). 

Additionally, Bank of America has charged my account for the balance due on the CalHFA XXXX Deed of Trust by adding that amount to the principal balance in XXXX and have been assessing interest on this amount as well since XXXX, but failed to forward payment on the CalHFA XXXX Deed of Trust to CalHFA or the State of California since XXXX and to date. It is unclear if Bank of America intends to forward payment in full on the XXXX CalHFA Deed of Trust associated with this account at this time, or reimburse me the total amount charged and assessed to the principal balance on this account to date, including interest. To date, I have not been reimbursed for any charges and fees, including interest, that have been erroneously associated with this account. 

Bank of America has committed fraud on a mortgage or Deed of Trust by misrepresenting and omitting material facts related to this account during the loss mitigation processes to date. Not only has Bank of America acted fraudulently, Bank of America has acted negligently by intentionally prolonging the modification process with the use and employment of stonewalling tactics designed to separate me from my home and property, however unlawful. 

91 ) Financial Sabotage ( on a mortgage or Deed of Trust ). 
92 ) Malicious Cedit Reporting. 

All previously mentioned resolutions are desired and mandatory and must include all associated dollar amounts related to this account including, but not limited to the total value of the Pay for Performance incentive plan.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Diversified Consultants. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
I have disputed this account on my credit report with Transunion only to receive the same message stating : " Account information disputed by consumer, meets FCRA requirements ''. This account has not been properly validated. I have faxed a method of verification to XXXX Credit reporting agencies only to receive the same old response. I have also faxed to the collection agency a debt validation letter requesting asking for signed documentation with my signature on it that I agreed to pay whatever dollar amount the company is seeking along with a host of other request to go along with my signature. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or XXXX file # XXXX. This is not my first time disputing this account. By the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX XXXX ( b ) that there claim is disputed and validation is requested. This is my final attempt to resolve this matter and I will not stand to get another pointless response stating it was verified when I no that to be false. I am in the process of purchasing a home and this account is damaging my credit score. I have reached out long enough only to not get any cooperation from Transunion. I have attached the final fax confirmation page that I sent to midland credit asking for validation. Also, the validation request letter.
Got a bill stating that I owe   XXXX   XXXX   XXXX  . I have NEVER had that insurance. I have been with one insurance company since 2000 and it is not  XXXX .
When checking CCS ( Credit Collection Services ) online, I have found that this is a common scam they have been doing for years.
I do not want to contact this company in fear that they might get my home phone or work phone and harass me.
I have contacted both LexisNexis, XXXX and XXXX about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted XXXX they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with LexisNexis, and this does not constitute a proper fraud investigation when I have informed both XXXX, XXXX and LexisNexis that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both LexisNexis, XXXX and XXXX my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX
This morning I tried to send all of my XXXX from Coinbase to a hardware wallet. I always send a small amount first to make sure the address is correct and that transaction was instant but when I tried to send the rest, XXXX XXXX at XXXX PST to XXXX it 's just sitting in the " PENDING '' status. Coinbase has no customer support you can even contact about this issue but on the support part of their website this is what it tells you, " If you sent litecoin from your Coinbase account and it 's still pending, this may be an error on our end that we 're working to resolve shortly. Please know that your bitcoin is safe and will be broadcast to the bitcoin network soon. We definitely appreciate your patience! ''
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXX XXXX XXXX nj XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file
Hello I am a consumer and I am writing in reference to a vehicle I had repossessed by Exeter finance in XX/XX/2016 which i never recieved any documents concerning the repossession because I had moved out of state and was in the hospital for a few m I nths due to a XXXX so when i finally got out a few days later i found out that they came to my sisters house and made a big scene when they repossessed the vehicle embarrassed my family and i had no idea i was in default. The vehicle was sold Unbeknownst to me I havent recieved the amount it was sold for but the value of the car on blue book is between XXXX to XXXX dollars the finance company is still reporting I owe XXXX dollars all though they have sold the account to another collection agency I disputed this with XXXX and they still have not removed this account because it is not accurate and Exeter doesnt own the account anymore and I have never contracted with the agency it was sold to.
I am filing another complaint on behalf of my client. After my last complaint regarding the manner in which my client 's loan modification application was reviewed, XXXX different Wells Fargo representatives contacted me from the Executive Office ( XXXX and XXXX ). After speaking to them and my client I told them that my client wanted to forgo the loan modification review and instead be reviewed for a short sale. I asked XXXX if that was possible. She said it was but that the review had to be expedited. I agreed. I told her that we had secured an offer for the property and that we could send it over immediately. I stressed to her that because a sale date had been set for XXXX XXXX that it was IMPERATIVE that someone contact me ASAP to review the file. I told her I did not want to delay ONLY to be told that we were too close to the new Trustee Sale date. She assured me that the review would be expedited that and someone from the executive short sale department would be contacting me. It has been nearly a week and no one has contacted my office. My assistant calls Wells Fargo 3 times a day trying to get in touch with someone. We have not heard from XXXX or anyone else. Customer Service does not seem to know what is going on. I am concerned and believe that time is going to fly by until we are once again close to a sale date. As I was writing this my assistant just spoke to someone that said the offer is being reviewed but they have not asked for anything NOR do we have a representative to discuss the matter with. 
I have always worked well with Wells Fargo so I am VERY confused by this. We are trying to resolve this matter amicably and avoid a foreclosure sale. The offer that we received is a good offer especially considering the condition of the property. I do not know what value Wells Fargo has for the property but an INTERIOR BPO is needed. Trust me, Wells Fargo needs to get someone inside this home to check out what is going on. 
I am only resorting to communicating through the CFPB because Wells Fargo will not return our calls. 
I want to believe that Wells Fargo is working in good faith but the run around that we get from customer service tells me otherwise. I do not trust what is going on right now. My client is willing to do whatever it takes to resolve this matter FAST. 
I have a funny feeling that time is going to pass and I am going to be given some XXXX excuse. I am documenting all of our calls and attempts to work with Wells Fargo. 
Please have someone contact me ASAP at XXXX to discuss this situation. Time is of the essence.
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my XXXX. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
The lender, XXXX ARM Trust Mortgage Pass-Trough Certificat XXXX XXXX XXXX, XXXX XXXX Bank XXXX XXXX, as Trustee as Serviced by Specialized Loan Servicing LLC, which I have my mortgage loan for my home located at XXXX XXXX XXXX, XXXX, CA XXXX, is claiming that I have not paid my home mortgage payment since XXXX 2015 which is totally wrong. And to make things worse they reported it to the credit bureaus. Every month we call the lender to pay the mortgage and they take the payment from our bank account, purchase a XXXX XXXX check, which we pay for it. After the payment is done, they send us a copy of the XXXX XXXX receipt. This has been happening for the last 5 years without missing any month. 
At this time our home interest is variable so we are trying to refinance to get a fix rate. When we contacted some lending companies we found out that they are claiming we have not paid them and we got reported to the credit bureaus. On XXXX/XXXX/15 we sent the lender a letter requesting to remove the wrong information reported to the credit bureaus and provided proof of every payment made every month through XXXX 2015. We receipt a letter that it was going to take at least one month to investigate the case. This is affecting our credit as well as stoping us to refinance our home loan. We need to have a quick response as we are afraid that the interest rates will increase and we will not be able to refinance. In addition, about one year ago they were trying to do a short sale with our home saying that we missed the mortgage payment. Again, that was wrong, our attorney deny the request when we proof that we have been making our monthly mortgage payments. We believe these are unnecessary and wrong procedures on their part. We would like them to removed wrong information reported to the credit bureaus, approve and report to the court that they agree that our debts to them through the Chapter XXXX is zero and information can get recorder accordingly. 
We will be happy to provide information to back up our theory. l You can reach me at XXXXXXXXXXXX or you can call me at XXXX with a response to our request.
I opened this account in 2014 and if you look at they pay history the application of payments is always inconsistent although I have been paying late they are abusive threatening and once I make two or three payments they balance goes up not down.
I owe this agency in several accounts. I called to pay off all but XXXX account. Later I found they placed all the money into XXXX account. Upon calling the agency back was told that they have the right to place the money on any account that they wanted. Was then hung up on. Returned call to them staying the law and that I could pay off the debts of my chosing. Was told I did not specify. So I lied and said I had it on recording. Then they stated oh I see that you did. Claim to be in the process of fixing.
XXXX XXXX  was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to Mitchell Rubenstein and Associates as it pertains to this account. I did contact Mitchell Rubenstein and Associates on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from XXXX XXXX  Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 
I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both XXXX and XXXX telling them to remove this item from my credit reports ASAP and yet it remains.

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX.