WillisBack/dataset-financial-user-claim huggingface dataset:
There is an old fraud account from XXXX on my credit report being reported as a charge off. Experian refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but Experian refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but Experian has not sent me any information pertaining to that, but yet after a recent dispute Experian reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.
I have a private student loan consolidation loan through Wells Fargo with a cosigner. I have been making my loan payments on time since XXXX/XXXX/XXXX and I made my first loan payment on time on XXXX/XXXX/XXXX. That is 73 payments on time in a row. According to Wells Fargo only 24 payments in a row, since I paid my first payment on time, are needed to release my cosigner. I applied to have my cosigner released. I had to call and request a form from Wells Fargo. I got the form and signed it and added a pay stub as proof of income. Then mailed the form back to Wells Fargo. Despite my income of over XXXX gross a month and good payment history on the loan I was denied a release of my cosigner by Wells Fargo since I had a bankruptcy on my credit 6 years ago. I feel this requirement for releasing my cosigner was never disclosed when I got the loan. Wells Fargo misled me about how hard it would be to remove the cosigner. I feel this new requirement of never having a bankruptcy is n't even a valid requirement because these student loans can not be dismissed in Bankruptcy. I will submit my payment history on the student loan, The letter I received saying I was denied and the reason, and I will submit a pay stub for proof of income.
Im not sure if this is the right place to report this complaint but this is the direction I was pointed to ... the formal complaint is not with my bank as they are already working on an investigation ... my complaint is with coinbase at this time as I am at a dead end until I hear from my bank about the pending investigation. 

Today ( XX/XX/XXXX ) I tried to purchase a pair of tickets from a seller on XXXX   for the XXXX game tomorrow ( XX/XX/XXXX ) night. Initially the seller told me to use XXXX friends & family - which didnt work ; next we tried XXXX XXXX which took too long ( according to the seller ) to receive the money ; then I tried the app I use XXXX XXXX and all four transactions were refunded immediately as they canceled the payment for my protection ( all three were red flags from the beginning ). Finally the seller asked if I had used bitcoin via XXXX ; the seller told me it was secure with a paper trail just in case anything goes sour. Well theres no paper trail of the bitcoin transfer, just an address to where I sent the bitcoin. After both transactions ( two separate transactions for {$300.00} ) went through, the seller stopped responding and wouldnt answer any phone calls. I immediately called my bank & they canceled my checking card and put a hold on my account ; they opened an investigation into bitcoin to try to prove the scam. I called XXXX to report fraud and they said there was nothing they could do ; they also said there was no way to cancel or reverse any transaction. 
I also contacted DC XXXX police & they told me there was no point in opening an investigation with them, that that was the banks issue. 

I have a name ( s ) and associated email addresses that will be provided. The name he used to access XXXX XXXX, and I have the address in which he had me send the bitcoin. I also have a cell phone number he was using - not sure if anything is real or not, but all will be provided. 

Attached are copies of the emails they tried to get me to send money to, along with two different names via XXXX XXXX, XXXX XXXX and bitcoin. Attached also is a copy of the refunded email I got via XXXX XXXX which they canceled the transaction four different times for my protection, a few text message threads with associated phone number and associated bitcoin address.
there are inaccuracies in my credit report and transunion euqifax and experian refuses to dispute them any further
I 've contacted this company regarding XXXX accounts that they are reporting to all XXXX credit bureaus. I 've contacted them requesting competent validation of proof of the account and the information that they are reporting to XXXX, XXXX and XXXX. I 've never received a response.
I paid my XXXX XXXX, 2017 mortgage payment by mail using the enclosed mortgage coupon and my check. On XXXX XXXX, 2017 I closed on this property using a title company and contacted the mortgage company prior to the closing date to get a payoff amount. I did not have any problems with my account at that time. I have been waiting to get my escrow distribution check back from them and finally called to see what was going on. I was told by the mortgage company that the check had been mailed to my new address, and I had not changed my address so I asked to have the check resent to the correct address ( thinking it was the property address ), and when they verified my address of a South Carolina address, I was asked how did that change I did not change it nor move. I was told by the mortgage company that my address had been changed on the mortgage coupon slip. The mortgage coupon slip I mailed using the us mail service. So I inquired more, and I have now asked for the copy of the coupon used to see the change of address and they do n't have it. I did receive the check from them, In the wrong name with the wrong address, so now I am just waiting for the corrected check from them. This is not the first time I have had to correct information with this particular company. Since I was assigned the mortgage my address has been changed twice, my escrow funds have not been paid properly. They have paid companies that I was no longer with even after a phone call telling them not to pay. They over paid my taxes, under paid my insurance, shorted my escrow account and then would n't refund the surplus. I am glad I do n't have to deal with them anymore, but other people should n't have to go through what I went through.
I have an issue with Discover Student Loans. They have misrepresented my loan and the amount owed to the credit reporting agencies by claiming I had over 6,000 dollars of principle added to my account an have placed over 5,000 dollars of interest that were supposed to go to the principle balance. 

My loan was for XXXX and I paid back over 24,000 dollars. In my billing statements Discover reported that I paid XXXX dollars in principle and over 10,000 in  interest which would have put my principle amount owed to XXXX. They were reporting that I owed over {$18000.00} with about {$14000.00} still remaining on principle. 

I sent in certified letter on XX/XX/XXXX to Discover Student loans to find out where this error came from as I never did a refinancing loan ( consolidation or rehabilitation, etc. ) with there company and asked them to provide proof if I did so. In addition, I told them I wanted a hard copy of my contract with them for review. They did not respond to my letter. I called their company on XX/XX/XXXX and during the conversation the representative said, they received my letter and will sent me the requested documents to the address I gave in the letter. They did not sent out contract and documents requested. 

On XX/XX/XXXX, I called Discover Student Loans again and asked them to receive a hard copy of my contract I signed to obtain my student loan with then and any documents saying I asked for additional funding for my student loan. I asked them directly do they have any documents stating where the extra XXXX dollars of principle came from. They said they did not know, and that it could have been a glitch in their database as they had no records of why my principle amount was altered. They said they would send me my contract in the mail again for my review and would looked in to rectifying this problem. I told them to mark my account as disputed to the credit reporting agencies until this issue was completed. The representative said it would take 3 days to go into affect. 

After checking my credit reports ( XXXX, XXXX, XXXX XXXX ) and not seeing that this account was mark as disputed, nor reviving any information from Discover on this matter, I sent in a second letter which they had to signed for on XX/XX/XXXX demanding a hard copy of my contract with their company and to have the account mark as disputed or be in violation of the Fair Credit Reporting Act 623 after I told them that the account must be reported as disputed. I have repeatedly asked them to show the evidence that I owed XXXX dollars to them and they have chosen to ignore responses and violate the Fair Credit Reporting Act
This company contacted me today posing as a mediation group/ attorneys office when they are debt collection. I asked them to validate the debt in which they have not done so and emailed me a letter that is included with this complaint. They never validated the debt as required by law and are threatening to take me to court regarding this matter. They were asked to stop contacting me and validate this debt and yet they refuse to do so
I was harrased at my place of employment by this company and after asking them to remove the number they continued to contact me. They spoke to my co-workers about my information without any consent.
Based on the information provided in this complaint, this collection agency can cease and desist contacting me. In fact, this agency initiated phone calls, prior to sending any type of verification/disclosure in the mail of an alleged debt.
On XX/XX/2018, I applied for an American Express Gold Card using a referral link that I had received. During the application process, it was stated I would receive XXXX points after spending XXXX in the first three months. It was also stated that I would receive 20 % cash back ( up to {$100.00} ) as a statement credit on dining purchases for the first 3 months. Upon, not seeing these bonuses come through, I contacted American Express. They stated I was ineligible due to previous history. I had not previously applied for this card, and met everything that they had outlined to receive the bonus. I also did not receive any message that i was ineligible when submitting my application for this card. The card carries a {$250.00} annual fee, which has also been paid. I feel that the company should pay the bonus that was offered. 

I opened a complaint on XX/XX/XXXX which they provided the response : " The terms of the promotion, which were provided during the application process, explain that the welcome bonus offer is not available to applicants who have or have had the product. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. In accordance with these terms we determined that, regrettably, you are not eligible for the welcome bonus. " As stated above, I have not previously had this card. I had also only had 3 American Express cards opened in the previous 2 years, so I do not feel that was excessive. When they state " as well as other factors in making a decision '', this language is vague and allows them to not provide a bonus in any scenario.
Divorce decree assigned two accounts to my exwife. She then filled bankruptcy. I have tried to get them to get these off my cedit report for years. They finally closed the accounts 2 months ago, this is from clear back in 2011. Now they will not take these two accounts off my credit record and are still reporting as a charge-off on my report. 
I have tried in good faith and have sent them the documentation to prove this!
American Medical phone # XXXX calls every single day Monday through Friday at all times of the day for the last 3 months. They have been demanding payment for a {$25.00} debt from an unknown medical expense. They refuse to provide any information or details describing the debt e.g. date of debt, company owed, and for what services. American Medical has refused to send any documentation of the debt in writing to me. They have refused to provide any information about their company. I do not feel safe with providing anyone my personal credit card information or making a payment without knowing who I 'm sending it to and what I 'm paying for. 

I have never left any debt unpaid to avoid hurting my credit, therefore I need information of the debt to avoid paying a debt that I already paid for, or paying for a debt charged to me by mistake. If that is the case, I wish to dispute any wrongfully charged debts. 

I have requested for them XXXX different times to stop the harassing phone calls, and they have continued to call everyday. The last representative 's name was XXXX and I asked her to remove me again from their calling list. I have photo documentation of all the calls they have made to my phone. 

I would like the harassing phone calls to stop immediately. They have been disrupting me while in school or while still sleeping.
In   XXXX   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX    XXXX  and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the one I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks later on  XX/XX/2015    they took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien on  XX/XX/2015   . I have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disputed this Public record with all  XXXX  creditors and it is still on my credit reports.
I have a Mort gage Loan with Wells Fargo. Bec ause of the various hardships, explained in the attached  Hardship Letter, I fell behind on my payments. I applied for a HAMP Loan Modification  on   XXXX   XXXX   XXXX    ( 51 Pages - p roof attached ) and submitted a complete package. Subsequently they asked me to submit some supplementary docs., which I did through my  3rd part y.     I am surprised to learn that my request has been turned down, because  Wells Fargo  had offered me a TPP Plan, last year - WHICH I NEVER RECEIVED.When my 3rd Party asked to have a copy of the same, they did not want to send it.     So how can I be denied a Modification, for which I feel I am fully eligible, when I did not receive any at all?     I understand that under  HAMP ev en people who received a Loan Mod earlier and defaulted can also apply for a Loan Modification  again.However, ther e is no question of a default as I did not receive any TPP Plan at all.
TransUnion did not address my situation. None of the accounts have been verified nor validated. I have reached out to all of the creditors for them to send me a copy of the credit application with my signature on it stating that I applied for these cards and they could not produce the paperwork. In XX/XX/2011 i was a victim of identity theft due to loosing my personal information some time ago. I have a number of accounts that I have asked to be verified as well as the method of verification under FCRA Section 611 and none of the accounts have been verified. I have also contacted the creditors to send me a CONTRACT AGREEMENT WITH MY SIGNATURE ON IT STATING I AGREED TO PAY FOR ANY DEBT THAT I INCURRED AND HAVE NOT RECEIVED NOTHING. E-Oscar is not a form of a verification method. No third party information is correct especially with NO SIGNED CONTRACT. Also there is a bankruptcy that has not been verified this I know for a fact also because the court house do not verify on the phone nor do the courts report bankruptcies to third party companies. These accounts need to be removed immediately due to none verification/validation. 

ACCOUNTS : XXXX ; XXXX credit card ; XXXX ; XXXX ; XXXX ; XXXX. XXXX bank accounts : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX ( XXXX cards ), XXXX, XXXX, and XXXX. 
All these accounts need to be removed. The bankruptcy needs to be removed also,
I received a letter from First National Collection Bureau , Inc. ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to XXXX XXXX. I called FNCB, and a representative said it was a XXXX that I had opened in XX/XX/XXXX and closed in XX/XX/XXXX. I never opened a XXXX in XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted XXXX XXXX, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry XXXX, not XXXX, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).
For the past 3 months every few days we receive XXXX to 4 phone calls starting around XXXX. When I answer the calls no one speaks then after XXXX to 17 sec it goes into a busy signal. Finally, I called the number. When I spoke to someone they asked for my adult daughter who has n't lived here in 5 years. I said she does n't live here and the women hung up. My husband gets home from work at XXXX. Every time the phone rings it wakes him up. Calling our home at XXXX would be like calling someone a XXXX every 2 days ... It is almost as if the goal is to harass since they have never spoken to us!!!!
Equifax continues to report tax liens XXXX and XXXX. The XXXX XXXX XXXX XXXX enforced an initiative as of XX/XX/2017 that these tax liens must be deleted if not verified. Equifax has failed to verify these public records.
About three months ago, I applied for a XXXX XXXX that was recommended by XXXX XXXX. Upon completion of the application, I was approved online but then I realized that they would deduct half of the amount on the XXXX fees. I called and declined to accept the card and was told that everything would be cancelled. For the last three months starting the last of XXXX, I have been receiving letters requesting payment for this cancelled account. I have called their customer service and they verified that the account was never opened nor activated. I just received another letter requesting payment which I am not going to pay. They have even threatened to report this to the credit bureau as a deliquent account. The individuals name on the letter is XXXX XXXX ( collections Department ). If I receive XXXX more letter from them I am considering hiring an attorney and also filing a complaint with XXXX my state. I am tired of the harassment and I am tired of them trying to get money from me that I do n't owe as well as threatening to report this to my credit bureau as a deliquent account.
XXXX XXXX XXXX Bankruptcy cas no XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX date XX/XX/XXXX My complaint is with XXXX and Transunion credit bureaus the problem is XXXX and Transunion are reporting information they obtained from a third party. That not report accurate ( XXXX, pacer XXXX XXXX XXXX, ( XXXX, XXXX XXXX, I contact these company to freeze the account. I disputed the information of the bankruptcy with XXXX and Transunion, I have supporting documents to support the information. The US BANKRUPTCY COURT dose not report to XXXX and Transunion they refused to remove the reporting bankruptcy. this is violation of credit reporting third party, Disputed this information this month XX/XX/XXXX. attachment thank you your assistant sincerely XXXX XXXX XXXX
I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and XXXX have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel XXXX has violated by consumer rights.
I opened a Slate credit card with Chase and submitted a request for XXXX balance transfers to consolidate all of my credit card debt to my Chase Slate card. Of the XXXX cards with balances, only XXXX of the balances was cleared by Chase. The other XXXX ( XXXX and XXXX ) still show a balance on my accounts. I am now being charged interest and late fees because Chase posted my balance and indicated they had cleared the balance from the other accounts, though they had not. Chase is now telling me I have no recourse but to wait 30 days for them to " complete an investigation ''. In the meantime I am racking up interest charges I am not sure I will get back.
On XX/XX/XXXX I was trying to purchase something and my card was blocked so I called the bank. And I found out my account has been closed. No warning or anything I then proceeded to go inside the branch to collect my money. I walked inside to speak to one of the tellers she discriminated against me and wouldnt give me my money. I never had a negative balance I always kept direct deposits coming through. They never gave me any warning or advance notice and wont give me a reason. This bank is capital one.
My wife applied for a credit card with ToysRus XXXX weeks ago. She gave her social security number along with other demographic information. My wife signature for the credit card application was captured electronically at the store. I had nothing to deal with the credit card application and none of my information was given at the time of application or thereafter. The cashier at ToysRus informed my wife of credit approval and line of credit and when I asked him why my name is showing on the attached credit card approval-receipt ; his answer was because he attached my ToysRus reward card to my wife 's credit card. Two weeks later, a ToysRus credit card is mailed to our address with my name on as opposed to my wife. I contacted Synchrony Bank customer service ( the provider of ToysRus credit ) to inquire about the newly mailed card. Synchrony bank immediately denied any wrongdoing and informed that the card was mine and the application was run under my name. I informed Synchrony Bank that never at any instance I provided my social security number at ToysRus stores. Synchrony bank answer was to go back and resolve the issue with ToysRus store where the credit card was opened. The customer service representative also informed that ToysRus used my previous information from a former credit application from XXXX years ago. 
Regardless which of the entities ToysRus or Synchrony Bank is at fault, the true issue on hand is a credit card application was approved with improper signature, erroneous ownership and wrong social security number.