WillisBack/dataset-financial-user-claim huggingface dataset:
After being fully discharged from a Chapter XXXX bankruptcy, and XXXX loan representatives signing legal documents that the debt had been cured, Seterus, Inc. has failed to fully discharge the account, complete " cram down '' and issue me a Full Reconveyance. I was only made aware of this lien when I ran a credit check listing Seterus , Inc. as a stakeholder. I question the legalities of all practices, I have provided the company with formal dispute and court documentation which they have failed to comply with. I have been given conflicting information from, rude and ill trained representatives. I have been assured several times over that an " expert '' whom I have XXXX access/communication with is working on my case. I have been hung up on or disconnected after hours of being on hold, only to speak with a representative of a department that I did n't even ask for. I do n't understand why a company like this is still able to practice and take advantage of people who are already consumed by other financial issues.
I checked my credit score on CreditKarma.com and it says that I have a derogatory mark on my credit from verizon for XXXX in XX/XX/2013. This is my XXXX time checking my credit in a while. I have never had a verizon account nor do I owe anyone 2400 dollars.
For the XXXX time, I have scheduled credit card payments for a Citibank Credit card and XXXX the institution have failed to process the payments resulting in over the limit fees, late payment fees and now they are charging me an arm and leg to bring the card back to within balance. I had paid this credit card religiously over the years and now all of the sudden they are treating me like a criminal and it 's affecting my credit.
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX  or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.
In XXXX I purchased a condo which I mortgaged through Wells Fargo Bank. I took out a second ( equity line of credit ) with WFB as well, as part of the purchase. I already owned a home in another town which I planned to sell. The economy tanked and I could n't sell the other house. I used up all of my savings because I did n't want to default on anything as I was trying to figure out what to do, but right before I ran out of money I was advised by an attorney to file for Chapter XXXX bankruptcy. I lost the home, but I kept the condo and have paid both the mortgage and equity line-of-credit on time, and usually paid more than the required payments. Now I am trying to refinance my condo and find that WFB recently reported me to XXXX as a new bankruptcy! Therefore, I can not refinance my loan! I called XXXX and told them the bankruptcy was not right, that it had been discharged in XXXX, and that I have paid every payment on both loans for the past 9 years. They said I have to work it out with Wells Fargo. I have called Wells Fargo XXXX separate times and each time I 'm handed from person to person. First they told me they could n't do anything and I had to call XXXX. Then another person told me they do n't report anything to the credit agencies, which is a lie. She said they could n't do anything. The mortgage broker who I 'm trying to refinance with told me this bankruptcy from Wells Fargo shows on my credit report as a NEW bankruptcy, reported by Wells Fargo Bank as of XX/XX/XXXX. I finally got through to someone else the other night at Wells Fargo who said he would pass it on to the proper department, which meant I might hear from someone in 24-48 hours. Today ( almost 48 hrs later ) a man named XXXX called me and said he would look into it, and that it would take about 10 days. I 'm so upset, because I do NOT have a new Bankruptcy! I have paid all my payments on time, usually early, to all my creditors, and all I want to do is refinance my home loan to get out of the 'interest only ' loans I was sold by WFB. I 'm so stressed out I ca n't sleep. I just keep getting passed from person to person, told they ca n't do anything but will look into it .... I do n't know what to do. I can not get a new loan becaue XXXX tells the new loan company that I am a bad risk! I need Wells Fargo to remove that Lie from all credit reporting agencies! Please help me.
I understand that there are no laws regarding a banks right to decrease a consumer 's credit limit but today I saw where Barclay reduced my credit limit of {$3500.00} with a balance of {$1900.00} to a credit limit of {$2100.00}. That changes this card 's utilization percentage from 56 % to 91 %. This account has been open a year, I 've never missed a payment with them or any of my other accounts in the last 3 years. My overall utilization score was about 35 % and I have no collections and no public records. This is the second company to cut my limit raising my utilization score and lowering my credit score. It 's not fair that I be penalized for using my cards, paying interest and making payments on time, especially when they did n't even consult me about it! They claimed they used information in my XXXX report, which is only XXXX of XXXX reporting bureaus and has out of date information as payments and charges fluctuate on a daily basis and take time to filter through to the bureaus. Someone needs to protect consumers that pay their debts on time and still get penalized.
Home Depot card # 1 with closing date of XX/XX/XXXX amount - {$64.00} # 1 charge for ( + ) {$90.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows - {$65.00} balance.

# 1 statement with closing date of XX/XX/XXXX shows -.XXXX  credit Home Depot card # 2 charge for ( + ) {$96.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows balance {$96.00}.

Payment made XX/XX/XXXX for {$64.00}.

# 2 credit return XX/XX/XXXX -XXXX   with closing date XX/XX/XXXX shows balance {$91.00}.

Payment made XX/XX/XXXX {$91.00}.

# 2 closing date XX/XX/XXXX shows balance {$120.00}. 
# 2 closing date XX/XX/XXXX shows balance {$56.00} I called and faxed POA as this is my XXXX year old sisters card and asked why they would give an individual another card if they already had one and they said they can issue up to three accounts for the same place for one individual. I told them that was rather convenient for them as older people do not even realize different account numbers. I have tried to reason with them but now POA, they say was only for one account, if I have her POA it is for all her financial dealing.

All I now is there were two charges for a total of ( + ) {$180.00} one return credit ( - ) {$32.00}, payment XX/XX/XXXX ( - ) {$64.00}, and payment XX/XX/XXXX ( - ) XXXX. They owe her .XXXX NOT she owes them {$56.00}
XX/XX/XXXX  I changed m y Lease payment due date to  XX/XX/XXXX  and was billed an additional {$160.00} for this change. Ever since t his change my due date has never changed and my account has shown in arrears every year around the same time. I have contacted  MBFS eac h time the payment shows additional fees and after several phone calls, and several weeks later - the solution is resolved and the charges are reversed from our account. I am guaranteed this issue has been corrected and will not be a problem in the future. The following year around the same time. The same thing happens again. Charges and fees are added to our account and it takes multiple calls, and weeks to resolve. Again we receive a guarantee it will not occur. Last month the charges appeared on our account again for the additional fees. We contacted MBFS and have not received a response as of this message. Our  Lease en ds XX/XX/XXXX  and we will NOT be purchasing another  Mercedes Benz.
I wrote a letter to the collection agency agreeing to settle the debt if in return they remove the account from my credit report. They sent me a letter back stating that once the check/funds cleared they would remove it from my credit report. The Funds cleared on XX/XX/18. In my letter I requested that it be removed from my credit report within 10-15 days. This account is still showing on my credit report.
I just received two letters, one from XXXX XXXX XXXX, XXXX. 
and one from XXXX XXXX, XXXX that my house is scheduled for foreclosure on XX/XX/XXXX with XXXX XXXX, XXXX. 
XXXX XXXX, XXXX has not notify me about the foreclosure nor I do not know Nationstar Mortgage. Where these law firms got there information from I do not know. I have not received any letter from XXXX XXXX, XXXX, nor Nationstar Mortgage.
This is the newest bank scam being perpetrated against Americans across the country. I 've had my XXXX account with XXXX now for over 15 years. Recently my son stole XXXX of my checks from my checking account with XXXX over a 2 month period. The checks totaled over {$1800.00} and all were documented. I 've been involved in transit living now over a year due to an electrical fire at my home back in XXXX XXXX. It has been a XXXX experience with my being a XXXX senior. 
Most days I 'm very busy remembering and recording the losses for XXXX and the claims process. I failed to audit my checking account with XXXX until XXXX XXXX and noticed the fraudulent entries by my son. As soon as I did I took him directly to the XXXX XXXX Police Department thinking they would arrest him. Because of his age at that time and him being a minor, they could n't arrest him. After filing the police report, I was informed they would contact the XXXX for a hearing. I contacted XXXX immediately after filing the report. 
A XXXX could plainly see that these were'nt my signatures ; they were printed. XXXX stalled the process as long as they could, continuously requesting the same documents that had already been sent to them. This went back and forth for weeks if not a month. I knew in my XXXX exactly what they were doing. They were attempting to frustrate me to the point of giving up which I 'm sure has been the case many times before. 
Sure enough when the claim was presented to UMB bank, they denied it because " it was n't presented in a timely fashion. I 've been down with the flu is why I 've taken so long getting this complaint to you. Please help me, I want my money. This is the reason for the FDIC, these funds are insured against theft and fraud. My question is who is going to insure me against the criminals UMB and XXXX ; clearly there 's collusion between the XXXX. This happened for XXXX reasons ; first I 'm a senior ( XXXX XXXX XXXX ) and I also happen to be XXXX.
Once again ( it happened once already before and was resolved ), when I made purchases through Paypal the purchases were used to open a Paypal Credit account, rather than forwarded to my credit card or bank account on file. The purchases were international so maybe that had something to do with it, but probably not ( see below ). As I was unaware of these charges sitting on the Paypal Credit account ( I do n't religiously check my email ; if they tried to send notification that way, I was unaware of it ), having thought they were already paid off through being forwarded to either of the XXXX accounts I have linked to Paypal on file, they accrued a late fee. I called up, complained, paid off the outstanding charge and was told the late fee will be rescinded and the account closed ( again ). I asked specifically if it was necessary to use Paypal Credit when making an international purchase, rather than Paypal ( and the linked accounts ), and was told no, it is not necessary. They could have been made solely through Paypal.
Notice an paid in full but still open account on my credit report. Called company handling the account and asked if they could send in a request for deletion from my credit report and was given the run around and told that they couldnt do that twice and hung up on once.
XXXX   XXXX   XXXX  is reporting a dept on my credit report in the amount of {$170.00}.   I am getting harassing phone calls from  REMEX INC. w hich is the debt collection agency that  XXXX   XXXX   XXXX  submitted the debt to. Each time no one would give me any information. I never received documentation from  XXXX   XXXX   XXXX  or  REMEX INC. statin g that I owed {$170.00} or even for what service was provided as the reason for owing.     I found out about the above issue by pulling up my credit information before I recently purchased a vehicle.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX  Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}
Portfolio Recovery has been garnishing my wages since XX/XX/2017 for debt that was being paid thru the Law firm that they hired. Now I have been paying the law firm {$320.00} a month and they have been garnishing {$85.00} every pay period. But according to their records, this account has been resolved but they still garnishing my wages!! I have proof of the garnishments from my employer and I have proof of debt paid and payments paid to the law firm hired to collect the balance.
Discover offered a promotion of XXXX miles per dollar when using XXXX Pay to pay for transactions, up to {$10000.00}, until XXXX/XXXX/15 ( doubled after one year ). I applied for the card and paid {$650.00} for an iPhone exclusively to take advantage of the promotion. Discover then altered the terms of the promotion and excluded gift cards. 
Discover needs to honor the initial terms of the promotion and give me the miles I am owed ( over XXXX ).
I opened an account with TD Bank. I moved out of the area ( from XXXX to XXXX ). I called to close my account. I was told that I could not close the account over the phone -- I had to mail a notarized letter to close the account. The letter had to be sent to the branch where I opened the account but the representative could not tell me where I opened my account for security purposes. It 's been years since I opened the account and it was in XXXX -- there are dozens of possible locations. I guessed as to which branch I opened the account at and I sent a notarized letter via certified mail, which was received on XXXX XXXX, 2015. It has been two months. I have called several times, both to the branch and the normal customer service line. Nothing has changed and I still do n't have my money.
This is concerning XXXX  Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report.

XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX/XXXX  was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX  called me to inform me of the fraud and told me they would close the card as they did and I agreed. XXXX  & XXXX refuse to remove from my credit history after they been shown the information as FRAUD
AMCOL Systems Inc is reporting on all three of my credit bureaus as three different accounts with different amounts. The accounts that are showing are {$1300.00} on XX/XX/XXXX, {$1200.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. All of these were for the same visit not on the dates being reported. The services were either for myself or my son. In addition, I had medical insurance through the state of Arizona and these claims should have been filed through medical insurance. I called this company XX/XX/XXXX and advised them that I had state health insurance at the time of the visit. Their response was " because the date of service is more than 1 year ago they are unable to file the claim with the insurance. '' I told them that I was not responsible for this debt and they need to file the claim with the state health insurance or they should have at the time of service. At the time of service, I presented my insurance card and they took a copy of it in addition to filling out the paperwork with all of my insurance information on it. They are refusing to remove these accounts and file a claim with the insurance. This company is not easy to work with and their representatives who answer the phone are rude. I have enclosed a copy of mine and my son 's medical health insurance card that I had at the time.
I volunteered to give the car back in XX/XX/2017. They sent me a letter stating they were selling the car and that if they get more money than what was left on my loan then I wouldn't owe. However no one can tell me what the car sold for and they won't return my calls. Please contact the XXXX   and confirm the amount they sold the car for. Also they put I didn't pay in XXXX and XXXX but they had already sold the car. They send these letters to everyone who gives a car back and they sell it.
Equifax, XXXX and XXXX collect my private information - without my consent - and then sell my personal information as a product. Recently Equifax was hacked, and basically all adult Americans with an SSN were exposed to this breach.
I demand that the government enforce more strict regulations on credit reporting bureaus, and make it easier ( free and simple ) for consumers to freeze their credit in one centralized location - not individually though each major bureau.
I also demand that the government make it easier for citizens to change their social security number. This was never intended to be a permanent identifying number, and due to data theft a SSN is now a liability.
Please help US citizens protect their privacy and credit by making it more difficult for theives to access and exploit personal financial data.
Under the new law effective XXXX XXXX,
2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with XXXX, XXXX, and Experian and it remains on my credit file.
I filed a dispute sent through certified mail with XXXX XXXXXXXX on XX/XX/XXXX because I was informed about negative information reported by " XXXX XXXX XXXXXXXX. '' that stated to validate this information with " XXXX XXXX XXXX/XXXX '' and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file maintained under my Social Security number. All 3 student loans listed with a reported balance is {$0.00} but still reporting negatively. I received a reply from XXXX XXXX on XX/XX/XXXX, which is within the 30 days to complete the investigation as per the FCRA verifying the information as accurate but no documentation bearing my signature in which I requested. Next, I sent another letter through certified mail to XXXX, XXXX on XX/XX/XXXX stating to provide a reinvestigation within fifteen ( 15 ) days of completion. Also, additionally to please provide the name, address, and telephone number of each person contacted regarding this alleged account and again to formally request a copy of any documents provided bearing my signature. I 've also reminded them of the " XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. Cal. XX/XX/XXXX ), they may be liable for your willful non-compliance. I received a reply from XXXX, XXXX on XX/XX/XXXX, which is within the 15 days to complete the reinvestigation verifying the information as accurate but again for the second time no documentation bearing my signature for these student loans that I formally requested.
After retaining counsel in XXXX of XXXX due to contact by XXXX XXXX XXXX a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with XXXX XXXX XXXX in XXXX OH. I am on XXXX, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my XXXX barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at XXXX XXXX XXXX to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - XXXX XXXX XXXX has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.
I went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( its two of those ), XXXX XXXX and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not mine:XXXX XXXX XXXX, XXXX , SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX   XXXX  and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.
A Rep from Tri State Adjustments , Inc. repeatedly leaves messages for me for some unknown debtor. They call several times per day.
Several times I have tried both online and via phone call to get my FREE credit report from Equifax. Today, XX/XX/2018, I tried again with no success. 

When I called Equifax 's number, XXXX, I was told I needed to get my report through XXXX XXXX ( NOT Equifax ). I was unsuccessful setting up a XXXX XXXX online account due to problems with their website, so no report was sent. 

When I tried to get an online copy from Equifax, www.equifax.com/fcra, I was denied ( no reason given ) and was given instruction to contact Equifax. Contacting Equifax just puts me back to creating a XXXX XXXX account. It 's a loop to no where.
1. The company is coinbase, a place to purchase cryptocurrency. I added XXXX USD to my account, but it never got added to my digital wallet, so it is stuck in limbo and I can't use it. It was suppose to be only 5-7 days from a bank transfer. I submitted it 2 weeks ago, they took my money XX/XX/XXXX and today is XX/XX/XXXX. I still have not recieved my money yet and the account says " pending. '' What company is this complaint about? 
www.coinbase.com a crytpocurrency exchange.