WillisBack/dataset-financial-user-claim huggingface dataset:
In attempting to refinance my student loans into a variable rate I was preliminarily approved at Lendkey. In order to proceed I had to acknowledge that I may be required to open an account and that my credit ( soft hit ) would be pulled to conditionally approve me and send to a lender that fit my criteria which I was fine with. Once my preliminary credit ( soft hit ) was run they sent me to the XXXX Credit Bureau out of XXXX XXXX. The XXXX XXXX XXXX ran my credit ( hard hit ), approved me and then sent me a link to open the account that was necessary. When clicking on the link it required that I either be a 1. employee, retiree, or family member of an XXXX XXXX XXXX XXXX, 2. Live, work, or go to school within Washington XXXX, or 3. Pay a membership fee to XXXX of the XXXX organizations that they support. When I called XXXX they stated that a person should not be really referred to them unless I met criteria XXXX or XXXX. While I was willing to open an account and keep a minimum balance or otherwise I was not willing to pay a membership fee to join the credit union to have an account when the purpose of the loan was to save money each month not to turn around and pay it back out to an organization. When I contacted Lendkey back they stated that they do not in any way monitor the requirements to open an account for the credit unions they work with and could not send me to another lender since I wanted a variable rate XXXX was the only one that qualified. If I did n't qualify for an account at the places I was eligible ( AgFed the only XXXX in this case ) and if additional fees to get an account would be required then this should have been disclosed upfront since I would n't have agreed to it early on and would have withdrawn my application on my own prior to my credit bureau ( hard hit ) being pulled. Since my credit had been pulled my score has thus dropped because of the inquiry. Therefore Lendkey misled me as a consumer and had no other options when the only credit union they could send me to was going to cost additional fees. They said if I was n't willing to proceed they would withdraw my application which of course they did after I said I was n't willing to pay fees to an organization I was n't interested in.
SunTrust bank is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. SunTrust Bank claim that I own them money. I really believe that SunTrust Bank being discriminated against me because I'm a XXXX male. SunTrust Bank claim that original creditor was the XXXX XXXX XXXX XXXX as XXXX for XXXX. SunTrust Bank did not give me address for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX. What is the address for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX and do not exist. Have you contact XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX to validate that it my account since I am a victim of identity theft? You have an affidavit from XXXX XXXX. This affidavit is hearsay because XXXX XXXX is not original creditor. If we go to court, I will reject this affidavit because it hearsay and not allow as evidence in court. You claim I owe {$28000.00}. I want to know how you calatue this amount. I am requesting history for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX, XXXX XXXX, SunTrust Bank, and XXXX XXXX.
I made a payment to Fortiva services 1day too early for {$270.00} on XXXX/XXXX/16 which I was finally told was in the previous months statement cycle. If I had made the payment on XXXX/XXXX/16 all would have been fine but there was no warning message on Fortivas website where I always make the electronic payments. My issue is at the time I was not aware of the statement cycle cutoff dates but Fortiva refuses to adjust the early payment to the next day which would 've made my account current. I had to pay them an additional {$110.00} rounded out to {$110.00} as suggested by the representative to bring my account " current ". My complaint is this is a trap laid by this lender if you are not aware of the statement cycle dates. My regular payment is {$190.00} but I pay extra every month paying {$270.00} to reduce the loan term and interest.
We want Bayview to follow the stipulations of settlement agreement ( attached ). Every time we call in to Bayview the SPOC is not available and we get a different answer regarding the settlement. Most recently, we spoke to Bayview and their rep didnt know anything about the settlement agreement and refused to run this file through a loan mod, as required according to the settlement agreement. Bayview is also stating there is not enough time to run it through a settlement agreement, even though we submitted the full package to them on XX/XX/ well over a month ago. 


How is it that no one at Bayview realizes there is a settlement agreement, when Bayview is the one that refused to speak to us because it WAS in a settlement agreement and was being handled by their attorney?? 

We just want Bayview to follow the stipulations of the settlement agreement and review this file for a loan mod.
I was notified by BARCLAYS BANK DELAWARE of late payment. I told them I have not order any movie or such service. I was told they will investigate and credit my account. But every time I run my credit it show up. I called several times to have it credited and removed from my record. I was told the quickest way will be to cancel my card which I did but up till now it's still showing and affecting my credit. I have be communicating with them for 3 years now about this and they keep telling me it will be taking off but they don't do anything. Please help
I have made repeated attempts/requests for XXXX XXXX XXXX XXXXXXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter  responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/2016, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/2016 when my first bill/payment was not even due until XX/XX/2016. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. Thank You.
In XX/XX/XXXX, Fein, Such and Crane, LLP began a Foreclosure on my property for XXXX. Records obtained from XXXX indicated that the loan was signed off on in XX/XX/XXXX. I believe that false documents are being used in court. I think that I am the victim of foreclosure fraud and robo-signing. Most court documents include sensitive information that has been blanked out. Fein, Such and Crane have been accused of committing foreclosure fraud and robo-signing documents. Fein, Such and Crane and XXXX have refused to validate my debt. Fein, Such and Crane, LLP has recently changed their name to XXXX XXXX XXXX XXXX.
Paypal opened a line of credit for me by tricking me into opening the account. It was all done online. When I tried to close the account, they said I can no close it. I wanted to transfer money to the account to close it but they are trying to force me to give them my bank account info which I do n't trust them with. They are trying to extort me with late fees and bad credit reports if I did not pay but refuse to allow me all avenues to make payment. BEFORE I was able to transfer money from XXXX paypal account to another to make payment. They have blocked this
Since XX/XX/XXXX I have been asking LVNV Funding to provide proof that this is my debt as I have no knowledge of this alleged debt. I have attached letters dating back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To date they have refused to respond or provided any proof that this is my debt. My understanding is that if they fail to provide adequate proof, they must remove the reporting on my credit report ( see attachment. ) Additionally, this item goes back to XX/XX/XXXX which means that Statute of Limitation in Florida ( 4 years for a credit card debt ) which means that the debt is also uncollectible and should be removed as it is violation of FCRA to attempt to collect a debt which is known to be uncollectible.
Bank of America has a practice with their credit cards and balance transfers that is highly deceptive and borders on fraud. 

I transferred a balance from a non-BOA card to a BOA MasterCard. The balance transfer offer from BOA was for 0 % interest through XXXX, 2017, with an up-front 4 % balance transfer fee. However, I just learned that their policy is to apply your entire minimum monthly payments, 100 % of those payments, to the balance with the lowest APR, which will naturally be the transfer balance. This effectively eliminates any value from the transfer, while they charge 4 % for the privilege. A consumer 's entire monthly minimum payments go first to pay down a 0 % balance transfer balance offer that he just executed. There really is no guaranteed 1-year, 0 % interest transfer period, as they represent in their promotions. 

As an example, you can transfer {$1000.00} to a BOA card with a 1-year 0 % interest offer ( good until XX/XX/2017 ). If your monthly payment is {$300.00}, the balance subject to this 0 %, 1 year promotional offer is actually paid off in 4 months, while your other balances continue to earn 13+ % for BOA. In effect, all of you monthly payment goes to pay down the 0 % balance transfer balance while your balances subject to interest are not paid down at all! So there 's really no value to the balance transfer and BOA charges a 4 % fee for this privilege! In reality, the consumer is probably losing money on the balance transfer - from the initial 4 % fee, from the deceptive 1-year " value '' of the 0 % offer, and from the fact that if the consumer transfers a balance, that 0 % balance is paid off first with all of their monthly payment, while other interest carrying balances get no allocation and earn BOA even more money! 

I know that I can walk with my money, but this borders on outright fraud. At a minimum it is a highly deceptive consumer business practice. Most consumers would not even check their statement, assuming that the balance they just transferred would remain at 0 % until the one year offer period expired. That 's where the deception and fraud in advertising arises. They also rightly assume that their monthly payments would be going to pay down balances subject to regular interest rates, at least in some proportion. But that 's definitely not the case. 

It 's like making you pay for an ice cream, which looks really good and worth the small charge. Then they just eat it all themselves in a few big bites! 

Thank you for your attention to this matter. The consumer really needs protection from this fraud.
Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these  bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I  have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MA SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX Re : Acct #XXXX 
To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE XXXX $ This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : Your Name ( printed never sign ) Your current address SSN P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
My bank card was kept at the XXXX, NC ( XXXX ) branch of 5/3 Bank after I forgot my password. I told the rep at that location I live XXXX miles away round-trip and asked if my card could be mailed to my home or a new card issued and mailed to my home. The rep at this location offered NO help in retrieving card other than driving the XXXX miles round-trip. I contacted the 5/3 Bank help department THREE times via their online contact option, but I have never been contacted or received my card in the mail. I do not know why this is such a big deal. I can answer any question over the phone that I can answer in person. I just want my bank card, so I can access my money.
I 've called several times and tried on several occasions to submit a dispute online and phone. I never received a confirmation number for my online request. When I called on  XXXX -17, the representative said their is no record of my online complaint there is only a disputed letter from a credit repair company I 'm no longer associated with as of  XXXX -17. My dispute is different from what the credit repair company submitted and it involves  XXXX  accounts which I am not the authorized user. My father and Stepmother have spoke to the credit card companies to ensure my name is not listed as an authorized user and in each case both companies confirmed I am not an authorized user. The confusion comes from me and my dad sharing the same name. The other  XXXX  credit bureaus are reporting this correctly. This is company is not helping me remove these  XXXX  accounts. I spoke to a representative who took my phone dispute and she never provided me a conformation number or she stated I would receive it via email. I 've yet to receive it. I check online, my request is not found. I need help. The  XXXX  accounts in question are  XXXX  ending in  XXXX  and  XXXX  beginning with  XXXX .
I have Initiated money transfer of {$2900.00} from XXXX to XXXX through Remitly ( Transfer No : XXXX XXXX XXXX XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX Bank account by XXXX XXXX, 2016 XXXX XXXX XXXX ( XXXX XXXX, 2016 XXXX XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late.
Capital One 360 money market account and checking account sporadically closed on X/XX/17 with no notice except for a call a week earlier about verifying account activity ( linked external accounts ). Contacted customer service three times, refuse to tell me anything. I had no notice, no options on where my money went - though it was transferred to an external ( not preferred ) account. No calls, no communication, nothing. Extraordinarily unprofessional, yet I want it reopened and/or an explanation ( one that is n't a canned response ) as to why it was closed. Primary checking account # ended in XXXX
I am requesting { again } all activity regarding my loan from its inception in XXXX through today. 

I have received some information from this company, but not everything I requested. Also, the dates on the spreadsheet are completely out of sequence ie XXXX, XXXX, XXXX all mixed together. 

Please send everything IN CHRONOLOGICAL ORDER so I can unravel it. 

Thank you.
During the month of XX/XX/XXXX, I sent out letters to the U.S. Bankruptcy Court in XXXX, FL as well as Experian, XXXX and XXXX  requesting that the bankrupcty discharge on my credit reports be removed because they are inaccurate and non-verified because the courts do not verify with CA or third parties.
I have an account with coinbase, I have not had any issues until ~3 weeks ago when I was required to verify my account in order to sell a little Eth. I received a " Address did not match '' error. I have tried everything every day since ( 10 tries per 24hrs ), I even changed the address at my bank to make sure that it matches the one on coinbase. This is after I log in with 2 forms of security. I have e-mailed them, I have called them, the guy sent me an e-mail and the said that if that did not work to reply to the message and it go straight to him ( big lie ). 
It is my opinion that coinbase is a very shady exchange, they need to be looked into.
I consolidated a portion of a federal loan to a private loan for a better rate in XXXX. The company I consolidated this loan to was XXXX ( XXXX XXXX Bank ). My loan was then transferred to a management company called MOHELA XXXX of XXXX. There were many issues with XXXX and a number of errors that occurred during the transfer to MOHELA. Two things have not been corrected. One - the transfer from XXXX to MOHELA now shows my original balance with XXXX to be double the amount I actually owed ( owed approximately {$100000.00} ; now shows {$200000.00} ) and they have not corrected this with multiple requests and even their acknowledgment by phone that it was incorrectly doubled. They have not given me a print out of the payment history of the XXXX account from the original consolidation in XXXX to the transfer to Mohela in XXXX - these records were wiped clean with the transfer. 
Sincerely, XXXX XXXX
This is being filed after having a verbal conversation with Discover and realizing clarification may be needed to resolve this issue. More specifically, what I am disputing and what questions I am hoping for Discover to answer.

I previously filed a dispute concerning Discover lowering my credit limit from {$16000.00} to {$3300.00}, which directly caused my credit score to decline ( Most Credit scoring formulas use a credit to ratio or debt to credit available as approx. 30 % of the scoring ) As a direct result costing me thousands of dollars. Now Discover may claim I can simply pay off the remaining balance. However I can not control when that information would be updated on my credit file. This is only something Discover can control and it is very simple for Discover to deliberately time and possibly update mid-cycle to cause me more damages.

I am asking for Discover to provide me with the specific reasons for lowering my credit limit. Currently what Discover provided is a generalized statement which does NOT provide specifics.

I am asking for The credit bureau Discover used to make their decision I am also asking for the date Discover pulled my credit which provided the information used to lower my credit limit.

Discover uses their own internal formula when providing credit limits to applicants, I am requesting the table they use when establishing Credit Limits and I want Discover to know if they refuse to provide that information I will continue to request it through a FOIA and if that does not get me this information I will subpoena it. I need to rule out whether Discover acted fairly or in some way discriminated against me or possible retaliated against me due to complaints and lawsuits I have filed against other banks.

NOTE : I am aware as a matter of fact, of a platform Banks use to share information and retaliate against consumers. ( This information comes from a family member who has worked in the banking business for over 22 years and has the highest possible security clearance ) Without the requested information, it is impossible to determine if the information Discover used was accurate or inaccurate.
Paypal has repeated charged my bank account/credit card without authorization. 

I made purchases on ebay with ebay giftcard paying the full balance. On the checkout screen it was clear that the ebay giftcards I used was paying the full amount of the transaction. However 1 ) XXXX/XXXX/2016 My bank account ending in XXXX was charged by Paypal for {$100.00} for a transaction that was paid in full with a ebay gift card 2 ) XXXX/XXXX/2016 My bank account ending in XXXX was charged by Palpal for {$0.00} for a transaction that was paid in full with a ebay gift card 3 ) XXXX/XXXX/2016 My credit card ending in XXXX was charged by Paypal for {$0.00} for a transaction that was paid in full with a ebay gift card 4 ) On approx. XXXX/XXXX/2016 Paypal took {$75.00} off my ebay gift card # XXXX without leaving any record. 

I have contacted Paypal many times and never got a clear response on issues involving ebay gift card. Ebay claimed there was not enough balance on my ebay gift card, which was why my bank account/credit card was charged. This was clearly not the case in none of these incidents. My ebay giftcards had enough balance to cover the transaction, as was shown on checkout screen before I confirmed the order. 

In incident XXXX XXXX taking money out of my ebay giftcard with no communication is an act of fraud. 

After some research on the Internet I found out similar things happened not only to me, but a lot other ebay/Paypal customers. 
XXXXSiteSearch Attachment shows the balance on the ebay giftcard involved in incident XXXX clearly there was more than enough balance to cover the full amount of the transaction. 

The case ID at Payapl # XXXX