WillisBack/dataset-financial-user-claim huggingface dataset:
On Thursday XX/XX/XXXX I went into the XXXX store because I was to take part in a XXXX XXXX by what I believed was a legitimate company by the name of the XXXX XXXX. They sent me a check in which I deposited into my BBVA account on Monday XX/XX/XXXX for a total of {$2900.00}. BBVA compass informed me that they were going to put a hold on the check to determine if the check was good and if so the funds would be available on Wednesday XX/XX/XXXX. On Wednesday XX/XX/XXXX it showed in my BBVA Compass Account that the funds were there and so on Thursday XX/XX/XXXX I  proceeded to do the job I was assigned to do and went to the XXXX store in XXXX Arizona located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX that stores telephone number is XXXX. Unfortunately to my surprise I was a victim of Fraud orchestrated by some scammers that made up a phony check, phony business, and ultimately got away with {$2600.00} dollars of my money in which {$600.00} dollars was taken from my bbva credit card and {$410.00} from my BBVA debit card. The remaining balance of {$1500.00} was taken from my debit card from another financial institution XXXX XXXX XXXX XXXX. I would like my money refunded back into my bbva compass account because I feel they are liable for making the funds available when I made it clear to them that I had no knowledge if the check was legitimate and if it was not then please let me know so I could report these scammers to the proper authorities and not have lost my hard earned money. I have called XXXX, the financial institutions involved and have provided proof and they have told me that they can't do anything about this in refunded me my money. The truth is if BBVA Compass bank would've never cleared the check I wouldn't be in this predicament.
XX/XX/2018 - Letter seeking validation of debt was sent XX/XX/2018 - Capital One sent a return letter saying they needed to research request and needed the following information : Account number on my credit report ; a copy of their return letter ; a copy of my original letter ; a copy of my credit report showing the information ; and my social security number and date of birth. I was asked to return it no later than XX/XX/2018 XX/XX/2018 - All relevant information was sent back to Capital One XX/XX/2018 - I filed disputes with the credit bureaus because it had been over 30 days and no response was given from Capital One XX/XX/2018 - I received the exact same letter from Capital One as above ( XX/XX/XXXX ). This time it was dated XX/XX/2018 and asked to be returned by XX/XX/2018 XX/XX/2018 - All relevant information was sent back again XX/XX/2018 - Capital One sent a letter noting that they had been informed of my dispute, however, they did not have enough information to fully understand the dispute. They again asked for the same information as their previous letters. 

XX/XX/2018 - All relevant information was submitted again XX/XX/2018 - After receiving no response, I check my credit report. This time it stated that Capital One validated the debt through the bureaus. I then sent a letter to Capital One offering to settle the debt at 65 % ( {$160.00} ) in hopes of them removing the charge-off status off of my report. 

XX/XX/2018 - I received a letter yet again from Capital One stating that they needed more information again to understand why I was mailing them. They asked for the same exact information again. 

At this point, I have no choice but to file a complaint. I have asked multiple times for validation of the debt. It took them longer than the required 30 days to respond to that initial request. Even after the time had passed, I continued to reach out to no avail. They eventually were somehow able to respond to the credit bureaus, yet they continue to tell me that they are not certain about my account. Even after offering to settle the debt, they send me information that they are not certain of my account. I have no other choice but to file this complaint.
I sent a direct dispute to XXXX about the account they have on my credit file. They sent a letter back stating the account would be deleted from my file within 30 days. However, TransUnion still has the account listed on my report. Which is hurting my credit score.
There is an account listed which is unknown, I have disputed and it remains. I have never done business with a company called  XXXX   XXXX   XXXX  this is unknown and does n't belong to me remove this
I had a credit card account with Baclays Bank for an XXXX card for the credit card line amount of {$3000.00}. As of XX/XX/2018 I decided to pay the entire balance in full. After making this payment in full prior to the billing cycle close and there was a XXXX  balance. I was charged {$63.00} interest on a XXXX  balance after the billing cycle closed. I called customer service to complain about the balance and have it removed due to it being an error. The customer service did not agree and would not remove the error. I demanded to speak with a manager. The manager had the {$63.00} balance credited. However, as retaliation she had my account sent to be reviewed for having a high balance on my credit card account. Mind you the balance was {$0.00} at this time. Nor had my account ever been triggered before this incident for a High credit balance. I called Monday XX/XX/2018 because I received a credit alert that my credit limit had been lowered to {$500.00}. I called to be given an explanation why. The manager XXXX informed me it was due to high credit card limit activity. Even though at this time the balance was {$0.00}. I informed XXXX I feel I  have been discriminated against in their banking practices. I asked XXXX what is their protocol if I wanted to file a formal discrimination complaint. XXXX stated there was only an internal investigation that will be held. At the conclusion of this investigation of what the findings were the customer would not be contacted. At this time I feel I was discriminated against and retaliated against due to me complaining that the Bank was attempting to charge me interest on a {$0.00} credit card balance.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX, A which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX, A was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I was in bancruptcy when my mortgage was sold back to Ocwen. They raised my payment which made me file for a modification. I was approved which also allowed me to end my Chapter XXXX. My modification was effective in XXXX 2015, my Chapter XXXX was dismissed in XXXX of 2015, and it has taken until XXXX of 2015 for them to straighten out the billing on their end. I have not been late but was still be reported as late. I was told that it would be corrected, however today I received notice from them that they were going to just " not report '' ( but already showing late ) for the time period of XXXX to XXXX and just report going forward. So was reported incorrectly while they did their clean up and now they are not going to fix it.
I applied for US bank loan in the amount of {$6000.00} to rent an apartment, establish my life independtantly from my parents, and begin working. I was not credited the loan. I took out a {$500.00} line of credit and received a report that my credit card was used to purchased a taxi cab service in XXXX. I reside in XXXX XXXX and have not left the state since traveling to XXXX over the summer. My SSN was published via social media accounts and I believe it was likely used maliciously.
I received notice in XX/XX/XXXX from XXXX County, Maryland that my taxes were not paid for the end of year XXXX. The amount due was {$1300.00} with interest if paid in XXXX of XXXX. I first went to the website and emailed them about the issue and have still never received any return email from them on the issue. I called my mortgage servicer ( Loancare ) during the first week of XX/XX/XXXX to see what the problem was. They were not able to give me much information, but gave me a fax number XXXX XXXX ) to fax the bill in to their Escrow department for payment. I faxed the tax bill to them on XX/XX/XXXX and called about 5 days later to confirm they received the bill for payment. They acknowledged receiving the bill and said it would be paid by XX/XX/XXXX. When it was not paid by XX/XX/XXXX, I called by and spoke to XXXX ( ID # XXXX ) and he escalated the issue and said it should be paid within 48 hours. I called back on XX/XX/XXXX and was on hold for about 20 minutes before being hung up on. I called back and spoke to a customer service supervisor name XXXX ( ID # XXXX ) and explained my situation to her. She wasn't sure why it hadn't been paid and she needed to speak to the Escrow department, but said they don't take incoming calls, so she needed to email them and wait for response. She said she would call me back the following day. As of XX/XX/XXXX, I have not received a call back on the issue.
I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX  ( XX/XX/XXXX ) 10 ) Transunion ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )
On XX/XX/2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/2018 I sent a dispute letter to the Credit Bureaus, XXXX, TRANSUNION, and XXXX, and they did not respond.
Sears mastercard credit card services provided balance transfers at 0 % until XX/XX/XXXX, they only had one place on info that stated they are charging a fee vs interest on paperwork. This was misleading, so in fact they are getting there interest up front. There topic in bold larger letters states, YOU COULD SAVE ON INTEREST BY TRANSFERRING HIGH BALANCES. 
Checks should state that you agree to rates provided. I have used there checks before without this fee provision. 
Please advise
Equifax is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect.

2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.
I opened an account with coinbase in order to purchase and store bitcoins. After purchasing bitcoins, I was able to safely store them in a digital wallet and, more securely, in a digital vault. 
In order to verify withdrawal transactions from the vault that I had created, I was asked to list a secondary e-mail address as confirmation. I have since lost access to this secondary e-mail address and have not been able to withdrawal my funds from the digital vault to my digital wallet on coinbase. 
I have e-mailed them numerous times asking if this issue can be resolved. In reply, I was told that they would be able to safely transfer my funds from my vault to my wallet and that they were working on the issue. It has been over 3 months now and I am still waiting for them to resolve this issue.
Navient ( formerly  XXXX   XXXX   ) ha s taken my private student loan and turned it into a repayment extending to 17 years! At this rate I will pay back {$87000.00} for a {$24000.00} private student loan. While the rate is variable between 6.0 % - 10 %,   Navient has not been shy about jacking the rate to 10 % for the last couple of years.
I should n't have taken the money, but they definitely should n't have given it to me! I come from a low income family and had little financial understanding when signing my life away. Now that I am more savvy, Navient has made it difficult for me to optimize my student loan repayment process.
For years now I have attempted to remove my cosigner ( who now has terrible credit ) just to have another Navient obstacle put in the way. The private student loan is currently so high that no other lenders will consider refinancing it given my income ( regardless of my husband 's income ). Now tha  t I 'm a stay-at-home mom, my chances of releasing a cosigner seems even more bleak since I have no income.     Customer service is rude and unhelpful every time I call. I have added my husband as someone authorized to speak on my account and they lost record of it. They make it seem as if I am already taking the most optimal path to liberating myself from this crushing debt.     Their website promoted a 0.25 % interest rate decrease for signing up for autopay. While I saw the benefit initially - my loan is now being charged as if I had never enrolled.
On XXXX XXXX 2019 I looked at my annual report and noticed a collection is still is on my report after disputing it back 3 or 4 years ago the company never validated the account or sent me any proof of the debt, upon trying to dispute it the attachment above is what I received not only I could not submit online, if I tried calling you are waiting on a representative to pick up the phone for hours. Experian please do better with your practices you are not investigating the disputes instead you are responding back to the consumer stating the account was accurate. Who verified? How was this information verified? Where are the docs the back this up? Why do I have to go to this length to get some answers?
We purchased this property in 2002. Now we want to sell it and move to Florida due to health issues. We are unable to do this, as there are XXXX undisclosed liens on the house and no one seems to be able to resolve this issue. Both the closing attorney and the agent are telling me that they have no files or information that can help me. The only party who seems to have any records regarding this is the DMV where the XXXX liens are showing. The title company is not helping either ( letter attached ). Bank One ( seller of property ) has proved to be impossible to reach. The original contract states that they ( Bank One ) has granted a clear and marketable title. Please, help.
Our mortgage payments are, and have been, up to date. We have all the documentation to prove this, however, Selene Finance is continually sending us Certified and regular USPS mail stating that we owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They did not respond to emails. XX/XX/XXXX we sent a certified letter with our complaint and proof to Selene Finance. Over a week later we finally received a response via email stating that we owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in spite of having just provided proof in a certified letter that XX/XX/XXXX - XX/XX/XXXX have been paid. We responded to the email and again have not received a response. Today we are sending yet another certified letter to Selene Finance to provide them with another copy of the same proof that those payments have been made and to correct the error in their system.
I am executor of my husband 's estate. He had a business at PNC Bank. I 'm in the middle of securing all tax information, submitting legal papers, and awaiting IRS response on taxes owed and taxes paid. I had no connection to the business, but I was able to secure all legal documents and piece together financial requirements via much research. I thought that I 'd closed his XXXX XXXX XXXX account at PNC Bank in the fall of XXXX. My husband passed XXXX XXXX, XXXX. I submitted all of the paperwork that PNC requested, executor proof, death certificates, account numbers, and every other document requested, several times. I had to request bank statements, which I was charged several hundred dollars to retrieve, since the account was CLOSED. In XXXX XXXX, I received notice from XXXX County, where the business was certified, that they were placing a lien on his business account because he owed local taxes. I was in the middle of submitting IRS papers. I called XXXX County and they said that they had never received a copy of my husband 's death certificate. They had. I sent it myself. Nevertheless, they told me that if I sent them another copy, they would release the lien. I drove the copies to their office that day! They told me that they would call PNC Bank and release the lien. They faxed PNC Bank, which I have a copy, and told them to release the lien. I called PNC Bank and they promised it would be taken care of once they received the fax. The fax says that they received it that day. One week later, they paid XXXX County the amount of the lien. I have copies of the check etc. The account was finally closed XXXX XXXX, XXXX. After many phone calls and PNC bank self investigating their own error, they tell me that they received the lien release prior to actually placing the lien so therefore, my case is closed. I have spent many long hours researching, driving documents, calling officials at PNC Bank and they still have not resolved my issue to my satisfaction. I 'm a teacher. I make a very average wage. I spent the better part of the last several months trying to have them resolve the issue. I sent a letter to the president of PNC bank. Within 24 hours, I received a phone call saying that they assigned an executive to investigate my case and that I should call him and make the connection. That was a month ago and he does n't return my calls. I have yet to speak to my " case executive. '' I have attached a copy of all of the case details, dates, etc. I 'm so frustrated. I 'm trying to follow the estate laws of VA, but PNC Bank has usurped the process. I would like to have the money refunded to my husband 's estate account and XXXX wait in line for their payment. By VA judicial rules, the tax process is federal, state, and local taxes paid in that order. At this point in time, local taxes have been paid before federal taxes. I feel that the banks self investigating of their mistakes has left me exhausted. The emotional anguish involved has been astronomical. I 'm angry that banks think they can squash the little guy and they have squashed a widow in a time where they should have been helping. Thank you, XXXX XXXX
I have submitted almost all of the documents to Seneca, spoken to their representatives and have explained why some documents are not in accessible, to no avail they have denied my request for a modification and have informed me I will need to resubmit everything again. 
I feel this is a stall tactic for reasons I do not understand.
I filed bankruptcy Chapter XXXX and most f the items on my credit report has fallen off and states that it was resolved in Bankruptcy but there are XXXX items that is still showing thaat it is in collection and its XXXX car repos. I 'm trying to build my credit back up and its hurting it.
I had a lein placed against me by the state of California for unpaid state taxes in XXXX. The lien was registered in XXXX XXXX XXXX in XXXX XXXX and paid off in full in XXXX XXXX. I have asked Equifax to remove the notice of the lien but I am told it is their " policy '' to keep liens for seven years FROM THE DATE OF PAYMENT. So, if you pay off the lien, you 're penalized for seven years after the fact. This is n't a good policy. It 's harmful and it punishes the very people it should be rewarding. 
I 'd like you to speak to them about this and, hopefully, have them revise this punitive policy. Thank you.
Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Experian Dispute Department XXXX. XXXX XXXX. 
XXXX, TX XXXX XXXX : XXXX XXXX. XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX XXXX Act. # XXXX which you claim is a Negative status. The account is and has been paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
I have credit monitoring with XXXX which was taken over by experian. I wanted to cancel my membership, logged into my account, found the phone number they said to call and called. After requesting a full social security number, which I find suspect, they run you through a number of prompts before saying you don't have an account. There is absolutely no option to talk to a live person and it is impossible to cancel. Thousands of other people have had this exact problem with experian. I have called 4 different numbers for experian and every one of them makes it impossible to actually cancel a reoccuring payment for this service.
I was contacted by Bank of America to refinance my home, they said that they could give me a better rate and my house would qualify for eliminating the Mortage insurance. They wanted {$480.00} for the appraisal and because of my $ XXXX a year income & I had paid the original principle down from XXXX to XXXX I was a lock for this loan. We had a rude appraiser come in and value the house at XXXX, so I would have to keep the insurance, I protested and provided Bank of America the information from a independent realtor that they asked me to provide. The realtor rated the home value at XXXX based on a XXXX Bedroom home with XXXX full bath XXXX sq ft and a prime XXXX zip code location. The said it was n't good enough and charged my Bank of America credit card {$480.00} & added {$25.00} late fee when I protested the charge. They said they would give the late fee back but never did. I have complained and they say their hands are tied, I even offered to pay {$10000.00} to put me under the Mortage insurance & they wo n't budge. I believe they want only to do loans so they can make extra revenue on Mortage insurence. They refuse to reverse the charge that they put on my credit card without authorization.