WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX - I noticed a bankruptcy showing on my Experian credit report. Experian is the only credit bureau showing this bankruptcy. I sent a letter to Experian requesting an investigation about the bankruptcy. Experian does not respond. 
On XX/XX/XXXX - I send a XXXX letter request an investigation and I do not receive a response XX/XX/XXXX - Experian sends a response saying that this item remains unchanged. At this point I am frustrated and do not know what to do so I write the United States Bankruptcy Court. 
XX/XX/XXXX - The U.S. Bankruptcy Court responds that they clearly do NOT furnish information to the credit bureaus NOR public record vendors NOR verify information with them. 
XX/XX/XXXX - I file a Consumer Financial Protection Bureau complaint to obtain bankruptcy details and find out the method of verification of this incorrect bankruptcy. 
Experian responds only with that they verified the bankruptcy, AGAIN withholding details I specifically asked for AND withholding the method of verification only vaguely stating that they used a vendor. Experian refuses to inform me WHO this vendor is and WHERE this vendor is getting this information from. Is Experian exempt from the Fair Credit Reporting Act? Is the Consumer Financial Protection Bureau useless? 
XX/XX/XXXX I again write to Experian and ask for details about this bankruptcy and ask for the METHOD of VERIFICATION. 
XX/XX/XXXX Experian sends me a canned response only stating that they refuse to further investigate. WITHOUT including the bankruptcy details of my request NOR including the vendor name/address/contact info I requested per my rights according to the Fair Credit Reporting Act. 

Again I have 2 main questions for you:1 ) Is Experian exempt from the Fair Credit Reporting Act? 
2 ) Is the Consumer Financial Protection Bureau useless? 


Experian 's mistake has been preventing me from purchasing a home and drastically affecting my credit rating. 
Then the United States Bankruptcy Court confirms to me that they do not communicate with credit bureaus NOR with any public record vendors. This should be removed from my report and should never have been reporting in the XXXX place. An updated copy of my credit report needs to be sent to me showing this has been removed as well. OR Experian should provide me with the bankruptcy details I am asking for AND for the vendor contact information which they are obtaining this information from.
In 2017, Equifax failed to adequately secure my personal information, including my Social Security Number and date of birth, resulting in the dissemination of my information to hackers, and eventually people who purchase this information for fraud. This breach involved myself and millions of others. Equifax failed to notify me in a timely manner, I only discovered the breach through an article in the XXXX XXXX XXXX, over a month after it happened. I received no contact from Equifax.
Date : XXXX XX/XX/XXXX My company name is XXXX XXXX XXXX XXXX XXXX -XXXX located in XXXX XXXX . We have a vendor XXXX XXXX ( XXXX ) XXXX - XXXX. We purchased books from them and will remit settlement to to their account occasionally. 

Since XX/XX/XXXX, someone in XXXX hacked into our e-mail server, change the e-mail content from our vendor XXXX XXXX ( XXXX ) XXXX, asked us to remit to a new account in for the beneficiary name XXXX XXXX ( XXXX ) XXXX  with Wells Fargo. 

From XX/XX/XXXX until XX/XX/XXXX, we have made 3 transactions : 1. on XXXX XX/XX/XXXX US {$50000.00} Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX Remittance Amount : USDXXXX 2. on XX/XX/XXXX Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX Remittance Amount : USDXXXX 3. on XX/XX/XXXX Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX / amended bank a/c # on XX/XX/XXXX to XXXX Remittance Amount : USDXXXX When we found out those transactions are involved fraud on XXXX XX/XX/XXXX, we reported to the XXXX XXXX Police immediately and we made call to Wells Fargo Bank to report those bank accounts involved fraud, the staff from Wells Fargo Bank have checked those accounts and mentioned that those accounts ' holder name are not the same with our beneficiary name XXXX XXXX ( XXXX ) XXXX. She asked us to send the claim form for refund of remittance via our local bank XXXX XXXX XXXX. 

We did submit the 3 claim form for refund of remittance via our local bank XXXX XXXX XXXX on XX/XX/2018. However, our local bank XXXX XXXX XXXX advised that the Wells Fargo can not refund the remittance due to those accounts are closed. 

We XXXX XXXX XXXX XXXX XXXX would like to submit a complaint to Wells Fargo Bank. Why the beneficiary name XXXX XXXX ( XXXX ) XXXX of those accounts are not matched and they still transfer money into those accounts? Wells Fargo Bank seems allow those fraud bank accounts holder open those bank accounts so easily and without limitation. 

Best regards, XXXX XXXX General Manager E -  XXXX T - ( XXXX ) XXXX XXXX F - ( XXXX ) XXXX XXXX M- ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
About half a year ago I some problem with my credit report with XXXX, I called them and they told me that I have a balance. That was a surprise to me because I haven't recieved a bill in almost a year. I called and resolved the issue and pay off the balance. I was told that it wouldn't affect my credit. Half a year later, today I saw my credit being affected even worse. I called XXXX and was sent to collections and was told I have a balance of {$2.00}. Apparently this {$2.00} was added on as interest after my account was paid off. There was no bill, no calls or anything to even let me know of this problem. The consumer agent on the phone told me that XXXX does it's billings like that and that they still tackle on a interest even if your account is paid in full. Now my credit is hurt badly for a mistake that XXXX made.
There is a considerable discrepancy - {$2000.00} to {$4000.00} - between what Navient [ the company that is now managing the loan ( but not the original loan provider ) claims I owe and what I actually owe ; I owe $ XXXX to XXXX less than they claim. Despite my repeated requests, Navient has failed to trace the source of their error, because they have only partial records of the loan history. Despite my repeated attempts, they have failed to produce the complete documentation of my loan history, nor do they have the original loan documents. Their is no record of the first repayments I made, and other payments, that are recorded, went towards repaying a lower-interest incuring loan, when a loan that was incurring higher interest had n't been completely paid off. In short, my loan has been mismanaged, either by Navient, or the company that was manahing the loan before Navient ; and they seem to have a very partial record of the loan history. I believe my outstanding student loan debt should be erased.
On XXXX XXXX, 2016. I went online and removed the overdraft protection from my bank account. I received an email from Suntrust that stated. This notification is confirmation you have chosen to remove Overdraft Coverage from your account ending XXXX for ATM and one-time debit card transactions. This change will become effective within two ( 2 ) business days, On XXXX XXXX, 2016, Suntrust paid a transaction for me for {$1000.00} and I was charged a {$36.00} fee for this transactions. In addition, I have XXXX other {$36.00} fees. I did not authorized Suntrust to pay this. It was my mortgage payment but I plan to make arrangements with my mortgage company so I would not be in the hold. I expected the check to be returned unpaid and that what I wanted to do. Now my checking account is in the negative of {$1600.00}. When I get paid and my check is direct deposit, this is going to take my entire check and I am going to be in a lot of financial trouble. I can not afford for this to happen. I was just in a car accident, I have medical bills to pay and other utility bills to pay. I never expected this to happen and that Suntrust would pay this since I cancel the option or did not ask them to. 

In addition, I had Suntrust investigage charges of {$200.00} taken out of my account from a Health Club that took out the money to early. They basically did not do anything and said that the business did not wrong. I gave the documentation stating when it should have came out and when it actually did. Also, have since cancelled the service with the company. The company sent me an email showing that they could not find an account for me. I sent this to Suntrust also as part of my documentation. They still did not help me get my money back. I am tired of the fees that I am being charged and the bank charging even {$36.00} if I have a debit amount for {$13.00} that some how get paid.
This is my third letter to them in regards to accounts listed on my credit report with their organization that are the result of identity theft and they have failed to process my disputes pursuant to section 605B of the FCRA. They continue to send me letters stating that I am not providing the proper identification, and yet I have sent my driver 's license, tax forms, proof of address, police report, FTC affidavit and statement of identity theft with each letter. You sent a letter stating that you are declining to process my disputes as identity theft because you believe them to be either in error or because I received goods or money in exchange for this. I have submitted a complaint with the CFPB in regards to that as well as their continued failure to process my disputes, send me credit reports or provide me with further assistance as required under the FCRA. *I have never claimed identity theft in the past, and I have provided all required documentation. 
When I take them to court they will need to explain why they did not process my disputes and the only reason they will have is that one of their processors did not have the time or energy to investigate my accounts and took the easy route and sent me that notification. 
They have violated my rights under said section and I have no problems seeking the damages available to me. Not only did every letter get sent certified, but they were also faxed and received by them. I have the proof that these were received and that the required documents were sent with said letters.
I contacted XXXX XXXX XXXX to validate a debt that showed on my credit report as a collection. The company responded with a bill from XXXX dated XX/XX/2007. This is not proper validation as per the FCRA and the debt is beyond the statue of limitations and should not be listed on my credit report as per the FCRA. Furthermore, I have never done any business, of any kind with XXXX. I was never contacted by anyone prior to this debt being listed on my credit report. I respectfully request that this collection be removed from my credit reports until proper validation is presented that is within statue of limitations. Thank you.
My XXXX  XXXX recently updated their website and that appears to be when problems started. I have 2 different loan payments each month. One loan is at a lower rate and the other loan is at a higher 6.875 % rate. 

In XXXX of 2018, I submitted both my payments on the website as usual. On XX/XX/2018 I received an e-mail that my loan was past due. I called XXXX immediately. I waited on hold for 30 minutes before reaching the billing department. They first informed me that their system rejected my payment. Then they told me that it applied the loan payment incorrectly and paid it all to one loan instead of to each loan. The payments were applied to the lower interest loan, while the higher interest loan is left as past due and accruing interest. They said the issue would be resolved in 10-15 days. 

Today is XX/XX/XXXX and I just received an e-mail notification that my account is 22 days overdue. The issue is not resolved.
Merchant Credit Guide is reporting {$62.00} unpaid balance on my credit report. After speaking with an account representative over the phone, he told me I had to send him a proof of affidavit and police report. I asked him to validate the debt or remove it from my credit report. By reporting inaccurate information to my credit they are in violation of Fair Credit Reporting Act. The agent over the phone refused to give me any information as to how I should dispute the inaccurate information. I want them to remove this negative tradeline from my credit ASAP and close account until they provide validation that it belongs to me.
AFNI tried to collect a debt that had been paid. I 've reached out to them and advised them that this account was paid. AFNI removed account from XXXX, but not in XXXX nor XXXX. I have proof that this account was paid even before they reported it to XXXX and XXXX
My mortgage was sold to Nation Star by XXXX Mortgage. I was in the process of paying my mortgage off as the sale of my loan took place. The payoff was received by Nation Star on XXXX XXXX. Since then I have been trying to finalize the paperwork with Nation Star. According to Nation Star my name is not correct in their system. My husband 's is. I have been told twice that I need to fax a copy of my Social Security card to them in order for them to correct my name. I have declined to fax my Social Security card to them. I have been advised by a consumer agency not to do that, but I am willing to send my Driver 's License, the copy of the Deed from the Courthouse, bills, etc to prove the spelling of my name. Today, XXXX XXXX, 2016, I asked them to look at the records that they have, including the Security Deed, to see if my name was correct on the paperwork associated with the loan, and use that as verification of the correct spelling. While on the phone with Nation Star representative today, she told me that is was Nation Star 's policy to hold onto a lien as long as possible, that she did not have a copy of the Security deed and that I would have to send a copy of my Social Security card to have my name corrected. XXXX Mortgage had my loan for several years before selling to Nation Star and I never had a problem with my name being spelled incorrectly. I want the deed to be sent to XXXX XXXX courthouse, with my name spelled correctly so I can be done with this institution once and for all. 
I am also concerned with the fact that their recordings and statements that they read off states that they are a " debt collector and that the information collected during the recorded phone call will be used to collect a debt. '' I thought XXXX Mortgage sold my loan to another mortgage company, not a debt collection agency. The sheer amount of complaints about Nation Star Mortgage 's less than ethical behavior concerns me and should be an indicator that there are major issues in their business practices. 

Thank you.
In XX/XX/2018 I received an alert from XXXX XXXX about a Hard Inquiry in XXXX section from Best Buy ( Citibank ) and from that day I called 7 times indicate that someone try to get a credit card on my name. I already have credit from long time with Best Buy is make no sense asking for another card. They said all the time don't worry, we gon na fix it but nothing happen and cost me affecting my score. I talked with XXXX  and they give me your info to work this and clear this info. Let me know please how handle this.
I contacted my bank after I was unable to resolve the billing error with the XXXX XXXX. XXXX XXXX stole XXXX from my card ending in XXXX. I canceled my renewal membership but still to the payment in XX/XX/18. Which was whole day before my renewal date of XX/XX/18 It was also hard to reach someone at XXXX XXXX so I contacted my bank whom I thought would protect my money. I sent an email with no response from the XXXX XXXX. On the recording message about billing issue it says once a payment is process it will not be refunded. So basically I cancel my membership in time but since they took the payment early I can't get a refund. When I disputed the charge with my bank on XX/XX/2018. They said XXXX credit will be issued on the dispute.
I am writing to dispute a billing error in the amount of {$25.00} on my account. I submitted a payment of {$19.00} online for the balance on the Target Red Card on XXXX XXXX, 2016, a month prior to the payment due date of XXXX XXXX, 2016. The payment was posted on XXXX XXXX, 2016. The payment was not accepted and I was charged {$26.00}. I resubmitted the payment after being emailed an alert on XXXX XXXX, 2016 stating the payment was not received. I contacted Target to discuss the matter and resubmitted another payment for {$19.00} that day. Target Card Services customer representative would not correct the {$25.00} charge or provide me with information regarding the process to dispute the charge. The representative informed me that I could not dispute the charge because Target was not at fault. I found the address for Target Card Services on my own and wrote a letter to Target Card Services requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. The next month I was sent a bill with a {$25.00} charge in addition to the {$26.00} balance for the original fee charged by Target Card Services totaling {$51.00}.
I purchased a mobile home and was charged a very high interest rate they said if I made all the payments on time in 6 months I could refinance at a much lower rate They lied I made all my payments on time my credit score went up over XXXX points but they wont even talk to me a year later
My home has been forclosed. I went into an offer to buy with a purchaser. Wells Fargo agreed to a short sale. I was informed that the property would be auctioned off on XXXX XXXX, 2017. Now WF has informed me that hey have cacelled the short sale option because they have not heard from my realtor. This is a converstion that has been recorded and documented in ref to my realtor. I have provided all requested info as well as my realto. I owe XXXX I was offered XXXX.
My employer is with holding wages from from my pay for XXXX and XXXX XXXX. I was not properly notified XXXX, the state where I work and live. The alleged judgement was filed in XXXX and not XXXX where I work and live. Also, the alledged debt from the year 2000 would be time barred, past the statue of limitations for XXXX anyway, and not enforceable.
This account below should be deleted from credit report. The first one is a public record that has been deleted by both XXXX and XXXX. The second account is not mines. 

1. 
Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems 2. XXXX Other XX/XX/2011 Closed 1 Missed Payment {$1400.00}
Collection agency portfolio recovery associates XXXX .acct # XXXX .Please escalate to have this collection removed not mine all my current debts are paid in full.This is inaccurate and outdated fraud collection agency my bankruptcy was over 20 years ago all accounts discarded in bankruptcy.This collection agency is sending out old outdated information not my accounts would like them to cease from sending.
Short version Coinbase has locked my account for a pending transaction that has aged out. ( will be 4 weeks old on XX/XX/XXXX ) The pending tranaction was from one coinbase wallet to another, they debited the source wallet twice and only credited the destination wallet once, leaving me with a negative balance and locked account. 


PERSONAL INFORMATION PLEASE REMOVE Coinbase support # XXXX PERSONAL INFORMATION PLEASE REMOVE 1 ) I attempted to transfer bitcoins from the coinbase multisig wallet to the active wallet to sell some bit coin. I attempted to do this twice, and both times the coinbase webinterface hung. 

2 ) So I used the coinbase provided multisig tool to directly enter a transfer from the multisig wallet to my coinbase active account. The default settings for coinbases provided tool had too small of a transaction fee and the transaction was never picked up on the block chain. 

3 ) The next day I redid the same exact transaction with a proper fee amount and it went through. The fact that the BTC were moved from the wallet in transaction # 3 permanintly invalidates transaction # 2 The transaction ( s ) 2,3 were for about XXXX bitcoins from one coinbase wallet to another. 
Coinbase debited for both transactions, and only creditied for one transaction. Transaction # 2 above will never ever be confirmed. ( If it was confirmed it would double spend the BTC in tranasction # 3, somethign the blockchain won't allow. ) Its now been almost 4 weeks and my coinbase account shows a negative balance of XXXX bit coin ( The differnce in the fee between # 2, # 3 ) when it should show XXXX BTC. 

Coinbase Support will not give me ANY information on when they might resolve this. Their own online documents say unconfirmed pending transactions should be removed after two weeks, its been 4. 

Even if the pendign tranasction went through ( and it cant ) it would be credited to coinbase, so there is ZERO possible loss on their part.
1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe. 
2 ) The address provided to and reported by XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX and XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.

It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.