WillisBack/dataset-financial-user-claim huggingface dataset:
My credit report has an incorrect address. The address on the report is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , NV. Other than when I was in the  XXXX , I have lived in   XXXX   my entire life. Associated with this L.V. address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX  and  XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX
I have XXXX XXXX XXXX reporting me to the ChexSystems due to Suspected Fraud Activity. They have closed my bank account and took over XXXX dollars in fees that I was unaware of. I have requested an amount owed to this bank or a detailed reason and list of references of this matter with my signature so that I can resolve it and have this reporting deleted. I am unable to open another bank account due to this reporting on ChexSystems. I have a XXXX balance with them and still have not been given any documents pertaining to the reason or evidence of why my bank account was closed and the reporting me to this company.
Ally bank was sued because they were charging minority borrowers higher interest rates for their auto loans between XXXX XXXX and XXXX XXXX. I purchased my vehicle and was Finaced by Ally Bank on XXXX XXXX XXXX. I was financed for XXXX my first payment was made XXXX XXXX XXXX. A third party individual contacted Ally bank XXXX/XXXX/XXXX and spoke with a representive name XXXX ( ID # XXXX ) he advised her i was charged XXXX in finance charges between XXXX XXXX- XXXX XXXX I owned the car for 25 months.. and was being charged round figure of XXXX ( Est ) dollars in finance charges a month..this is defamation of character i request ally to refund me ALL of the Finance charges ive paid there company between XXXX XXXX until XXXX XXXX. Ally went against the ECOA implemented by the board of Regulation B that prohibits discrimination in any aspect. ALLY racially profiled me as XXXX due to my last name being XXXX then decided to charge me a higher interest rate. Ally Violated the FCPR Which assures Fairness of consumer Financing..A third party individual spoke with Allys customer service representatives on XXXX/XXXX/XXXX they Released my account information to a third party who does not have a direct connection with this transaction. IN fact they were knowledgeable enough to call her madam throughout the call but not once requesting to speak with the primary account Holder and she was able to get access to all of my account information Which Violated the Privacy act of XX/XX/XXXX ( Pub.L. 93-579, 88 Stat. 1896, enacted XXXX XXXX, XXXX, 5 U.S.C. 552a ),
I was notified from TD Bank that they will begin " processing transactions chronologically '' instead of processing deposits FIRST on a daily basis, effective XXXX XXXX, 2016. This will result in people who do not have enough money to keep a buffer in their savings account, or have to live paycheck to paycheck, being penalized for being poor. This feels like an attack on the working class, and they are unapologetic about it in the very same notification letter : " If you rely on deposits posting first to cover your daily expenses, this change may result in more overdrafts. '' It is a crushing and condescending letter that makes me extremely upset. It is my hope that the CFPB can take them to task and get this devastating new policy that will definitely not make one " More easily manage your personal account. '' Reversed. The letter is signed by " XXXX XXXX, Senior Vice President '' Thank you for your time.
Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX   Bankruptcy, XXXX and Chapter XXXX bankruptcy.
Chase card services had unfairly rejected my dispute of XXXX charges from XXXX XXXX for XXXX and XXXX billed to my chase credit card account XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. 
In the communication with me, chase employees have verablly insulted me and used XXXX. thus, i submit to you that chase 's action were an act of XXXX rdiscrimination against me. 

The XXXX charges in question were for the computers that I purchased from XXXX on XXXX XXXX, XXXX and then subsequently returned to XXXX. 
I have complied with XXXX return policy. however, chase refused to issue a credit Here is a timeline of what hapenned :. 
On XXXX XXXX, XXXX ie. within 30 days of purchase from XXXX, i have filled an appliction for return of both computers on dell website, per dell policy ( they require such application to be made withing 30 days ). 
But until now XXXX had failed to process those requests that I submitted and to issue me a RMA ( return merchandise authorization ) required for return. 
Their wesbite still shows that my requests are under investigation. 
I then contacted dell numeroud times, at first they did not respond but then in online chat with me dell said that they had a glitch on their website which caused my request for return to remain non-processeed but. Having admitted their fault, dell refused to authorize the return. 
I subsequently disputed these charges with chase. 
However, chase had refused to satisfy my dispute. chase sent me a response from dell in which dell stated that there is no record of return. in that letter, chase also informed me that dell had given to chase XXXX XXXX for my computers and address for return. 
I have called chase credit card service and was advised that I should send the computers to XXXX and then call back chase to confirm the return and then chase would issue a refund. 
I have now retured the computers to dell. I have a confirmation of dell receiving my computers by XXXX. i have called chase to inform them of this. However. 
chase still refuses to issue a credit and satisfy my dispute. Chase had also refused to acknowledge that dell had confessed that my initial request for return filed on dell wesbite had not been processed because of a glitch on dell wesbite, although I did send a transcript of my chat with dell to chase. 
I am attaching a transcript of my online chat with dell in which they admit that they did not process my request for return. i also attach copies of the request that I submitted to dell to return my computers in XXXX XXXX.
Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX. recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( Transunion ) - Item Being disputed ( XXXX ) - Letter by XXXX XXXX XXXX dated X/XX/2016
XXXX XXXX, 2017 CFPB : Today I tried to initiate the XXXX Mortgage Prequalifying Process. JPMChase Website said " Welcome to Chase Home Lending ''. The Software put me into a loop, where, five ( 5 ) times, I entered the same information without progressing. I have been a JPMChase Customer for over forty ( 40 ) years. That the Software trapped me in a loop shows utmost Disrespect for me as a Long-Time  Customer. I demand that JPMChase prequalify me for a Mortgage Loan of not less than {$300000.00} USD. <P/>Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX
On XXXX, Chase Bank closed all of my credit card accounts without warning. I called in on Friday XXXX to see what was going on and they said they were opting to close the accounts due to a large spike in spending. They said I could request a secondary review but did not say what that entailed. An agent, " XXXX, from XXXX XXXX XXXX '' later told me outright that they intentionally do not tell customers what that process entails. XXXX was the agent carrying out the secondary review. She cold called me the following Monday on XX/XX/XXXX( mind you, no banking days had passed between dates ) and began asking a series of questions I was unprepared for. She stated in a subjective opinion that she did n't understand my explanations for the increase in spending ( between jobs, just had to pay school tuition, and moved into a new apartment with a larger than desired rental deposit ). I bought gift cards since my roommate accepted them as payment for covering my deposit and rent from time to time. It helped me ease the financial burden, distress, and hardship. XXXX proceeded to state that her decision was final based on " nearly maxed out credit lines '' which had n't had time to pay down. She could n't even see the near {$15000.00} in pending payments to Chase now that I 've been given financial support by my family. This is notable because the crux of the issue was near maxed out credit lines. Not being able to factor in a massive reduction of outstanding credit seems inappropriate. After that, we discussed other reasons she wanted clarification on ( AFTER SHE ALREADY MADE A RUSH DECISION ). She had incorrect info about a credit CONSOLIDATION request which on her and showed as a credit increase request. She had inaccurate information on me funding a bank account with a credit card which she said was a cash advance. She could n't state which exact terms and conditions she was utilizing upon request. Chase had previously deemed me worthy for these credit cards and then predatoraly revoked them. The entire thing felt rushed and it was a tough effort to get straight answers from XXXX. It may not have been her fault, but she was working off of inaccurate information, had n't given me time to rectify or mitigate any of Chase 's worries, and then made a rushed subjective decision without the most up to date information on my credit report. Even further, she stated that she was n't even sure if I could be refunded the Annual Fees for these cards, some of which were no small sum ( {$450.00} ). This is yet another slight to me by Chase. Carrying out a secondary review using the exact same info and being quick to brush aside explanations is not truly a secondary review. In summation, I believe Chase Bank acted in a rushed manner with inaccurate information to close my accounts without warning and to the long term detriment of my financial well being and credit report.
In XXXX of 2015 my wallet was stolen in XXXX XXXX, Colorado. After a day of realizing it was indeed stolen I called Wells Fargo to cancel my debit card at the time. About a week later after getting my birth certificate and SSN sent out from NC I went to the local branch to get my account back underway. One of the branch representatives asked me if I have been on my account in a while and I told him the situation and he said that someone over-drafted my account and emptied it completely. The perpetrator tried to pay off another stolen credit card with my debit card causing close to {$13000.00} in damages. The representative said they would contact fraud for this and fix this issue asap. In the mean time would open another account for me so I could have access to another debit card. Not even a week after the new account was opened they were charging this new account for the balance of the old one to the point where Wells Fargo basically charged another {$400.00} worth of charges for an account that was supposed to be frozen and investigated. The 3-4 business days to fix this situation turned into 3-4 weeks ... then months by XXXX I went through 11 sets of reference numbers and people were just putting me on hold and letting the call end. They were avoiding me because there was nothing I could do to pursue legal action. Its now 2 years later through the situation of wells fargo my credit is garbage. Most banks wo n't approve me for anything and I have practically someone using my information on a monthly basis. Wells Fargo is responsible for borderline ruining my life for a year, ruining my future financially and basically robbing me for $ XXXX. I want reimbursement.
In XX/XX/2018 I used points to redeem a credit on my XXXX XXXX credit card to get ahead of my balance. Once I did this XXXX XXXX took me off auto pay without notification or authorization. This caused me to miss my XXXX and XXXX payments before I discovered it. The payments were immediately rectified from my end, but XXXX XXXX refused to correct the status of my account. This has led to a drop in my credit score over 80 points in the last 2 weeks. I have submitted disputes with XXXX XXXX, Equifax, XXXX  and a complaint to the XXXX. XXXX XXXX has reached out twice since I submitted the XXXX  complaint but my case worker is not available when I call back. Messages have been left and I tried talking to other employees who told me they would notify her I called her back. XXXX XXXX needs to be held responsible for their unethical actions. They have thrown my current job search into chaos and I am having to explain their unethical business practices to everyone I am interviewing with.
I contacted the customer service at the phone number indicated on my bill ( XXXX ), to dispute a late charge that was on my most resent billing statement. The agent, named XXXX? Indicated that there was nothing she could help me with. I asked for the supervisor and was transferred to XXXX ( Agent ID XXXX ). The supervisor also told me that there was nothing that could be done. When I asked to escalate, that supervisor began to laugh at me and I also heard laughter coming from the co-workers in the background. Hearing all the laughter over the phone I stated that I felt this was an unprofessional response and asked again to have my issue escalated. I was told that there was no one higher that could assist me. At this point the supervisor disconnected my call. 

Date was XX/XX/2018 at approximately XXXX XXXX XXXX XXXX was {$25.00}
Since my auto loan conception, my payments have been paid in full and upon review of my credit report, the submitted payment of $ XXXX/mo. has been reflected as $ XXXX/mo.. Although it does not indicate any form of past due balance nor negative/derogatory information, I would like to request that this be adjusted for accuracy.
My mortgage was sold to Nationstar Mortgage, they have called me everyday multiple times even after I sent them a cease and desist notice. I have never missed a payment on this loan and have transferred auto pay to this bank, they will not stop calling me on my house or cell phone, they are harassing me for no reason, I need help to get them to stop!!!!
My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting Agencies ( CRA ) XXXX, TransUnion, and XXXX. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been  sending request that the ( CRA ) provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The ( CRA ) always state that they never received my supportive police reports or complaints.
Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section
Canceled a service due to false and inconsistent availability of service. Communicated this cancellation to credit card company prior to canceling so I will not incur the monthly charge. Credit Card Company decided four months later to honor their cancellation fee when I had established that the merchant had no right to charge my card. Credit Card company gathered information from the merchant and decided they would honor their request. Credit Card company advised me they received information and after thoroughly reviewing the case they could not assist me. Upon reading their case, I found the merchant has provided them with a credit card agreement form with a invalid date of signature. Meaning, the merchant provided them a false document. The merchant provided them an agreement form of 2013 when services were not rendered nor established an entire year subsequent to this. Clearly, the merchant has gone through many obstacles to get paid ; even providing false documentation. When I advised the credit card company, they stated they will not get involved ... .although they did because they acting as a third party and granted a payment without my authorization.
I have been constantly harassed over the phone after I asked not to contact me in Reference the debt, I asked him to verify the debt because I do n't owe NCB the collection agency anything, they have reported the last payment date is incorrect the amount I owed the debt is incorrect, the company they representing I never owed that company, I did n't give them authority to report this inaccurate info to the credit Bureaus. please verify my debt, please verify date last payment made, and the correct amount owed. also I did n't miss any payments on this account.
Coinbase has a service called the " XXXX '' where you can store money in with additional safety. Due to a Coinbase bug, my funds have been frozen for 95 days and counting.

I had an older account on Coinbase which had an alternate email id. After deleting this account, Coinbase used that id as a secondary email id. I had never given permission for Coinbase to do this. This occured due to their bug/defect/issue. 

when i deleted my account it looks like the secondary email has got deleted too. 

In order to withdraw funds from the " XXXX '', i need to receive confirmation on both Primary and Secondary email addresses. Due to their issue, this is impossible and my money is frozen. 

I have reached out to them on XX/XX/XXXX ( 96 days ago- case # # XXXX ). and i was told i will be assigned a " Specialist '' to help me withdraw the frozen assets ( mail by XXXX ). 

The concern was raised several times again XX/XX/XXXX : 91 days ago XX/XX/XXXX : 55 days ago ( they also opened another ticket # XXXX ) XX/XX/XXXX : 39 days ago I need help to get this rectified. Several people on different forums have reported this and have got this resolved even before me.
I am trying my best to make payment arrangements with my lender since I can not make the monthly payments. I do not make enough money to pay what they are asking for. I have submitted the paperwork that they requested 3 times. On my paperwork I specifically indicate that I am asking to make payments arrangements and NOT asking for forbearance. They keep insisting they are not receiving my paperwork and in the meantime keep charging me late fees. I have called and asked to speak to a manager and nobody at this company listens to anything I 'm saying. I feel like I should not be charged late fees because they are disorganized and do not process paperwork in a timely manner. This lender is responsible for collecting for XXXX University which was sued recently for fraud. It seems like they are trying their best to add fees on top of more fees instead of working out a payment plan with me which is not right. I paid enough money in tuition to attend this school only to have my degree serve me no purpose. I have not been able to get a job in my field of study and XXXX has not helped me get a job either. So now they 're trying to rob me of the little income I have. Someone please look into this and help me get this resolved. I am not asking for handouts, simply want my request processed properly and allowed to make smaller payments a month until the account is all caught up and not be charged late fees.
There was an auto loan where the payments got behind after the loss of income, and the finance company Ally ( XXXX XXXX ) was to close the account refelecting the bankruptcy. However, they are still trying to collect illegally from me by reporting an active and open account with the creddit bureau. Everytime I disputed this issue they came back and stated the account is open and has a balance, but will not report the facts that it was chaged off and closed. In addition, they reported to the federal courts that they would be removing the accont from its portfolio and pipeline where the informationwould not harm me from restablishing my credit. I currently, have XXXX auto loans with XXXX and are aid ontie, and because of the fraudulent reporting it reflects that i have XXXX auto loans which is not factual. 
Ally has a group of people such as XXXX, and another person who do not understand request to speak to managers and supervisors i was transferred from XXXX to XXXX where the experience was very horrible and this group is a recovery team when theres nothing to recover. I am seeking relief and support from the company, also restitution for the improper reporting which has prevented the movement of federal clearance. The account is charged off, and vehicle was sold less than the requested reaffirmation agreement that was submitted to Ally by me to have a supporting repayment pan, they paid an attorney XXXX to keep me from paying the restructed affirmation plan as it was requested.
I have an XXXX  that holds an investment property. I took a loan on this investment property in the 3rd quarter of XXXX. The original lender sold the loan and its servicing rights to XXXX XXXX. Since that moment in time, I started having issues with their online portal as well as customer service. 

I experienced recurring issues with late fees due to lack of proper communication and system portal issues. I called customer service on XX/XX/XXXX to remove a late charge that they imposed on me. I made the loan payment plus the late charge. They cancelled my payment in order to clear the late charge but then they told me that I never made another payment. It feels like words are lost in translation and either I don't understand what they want or perhaps they don't understand what they want. I kept telling them that I need my late fees removed when suddenly i am getting additional late fees imposed on me. I asked to speak to a supervisor and they transferred me to a lady by the name XXXX XXXX. She did not want to help and was pretty rude over the phone. 
All in all, I feel that this lender is supposed to provide proper loan servicing services but instead they treat customers like they are trash. It is a very unpleasant experience. I look forward to refinance my loan asap just to avoid dealing with this company.