WillisBack/dataset-financial-user-claim huggingface dataset:
Received a call on X/XX/17 from " Private Caller '' - it was XXXX XXXX with XXXX XXXX XXXX XXXX stating that she was set to issue legal papers to me and my husband unless I call the complaining company. The company name is XXXX XXXX XXXX, XXXX. I called and spoke to someone who stated I have an outstanding debt with a payday loan company ( can not recall the company name ) and if I do n't pay them, they will take me and my husband to court ( they have been calling him too since they state that Texas is a community property state so my debts are his debts ). I asked them not to call me or my husband again - she yelled at me and hung up. I called back to speak to a manager and he proceeded to yell at me as well. I told him not to call and he said he can call whoever he wants to call so I hung up. I have received messages from XXXX XXXX again on X/X/17 and X/X/17.
Currently Active Duty Military, while permanent Changing station from XXXX XXXX, to XXXX XXXX, XXXX  I encountered an emergency with my dependent. I departed XXXX, XXXX in XX/XX/2016 and went on leave in transit to report to school in XXXX XXXX. While at school my Daughter and Son got  sick, called XXXX to see if we could take to local doctor to receive medical attention. XXXX approved the authorization for both children in XXXX, XXXX   where my family was staying while in school on official duty orders. When I reported to my permanent duty station in XXXX received bill from medical clinic in XXXX as past due. There was a lot of back and forth from the medical center and my insurance company XXXX, eventually out medical bills were covered and paid by our insurance company. Prior to being fully paid, the medical clinic that we had went to closed its offices and gave our past due account to credit bureau in XXXX, XXXX. Current status of bill was paid by my insurance company. Request to contact company to remove off my credit report.
Experian allowed a paid charged off creditor to add derogatory information to my credit file that was incorrect. When Experian added this incorrect derogatory information to my file my FICO score to drop 21 points. XXXX XXXXXXXX XXXX. Instead of updated my account with a XXXX   balance XXXX put the same derogatory back on my file. Once I made a dispute to remove personal consumer comments from my Experian credit file this decreased my credit Fico score.
On XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion disputing the bankruptcies appearing on my credit reports. 

I never received a response from the bureaus from the disputes so I resent the disputes again 1XX/XX/XXXX. 

I then received response from the bureau stating that they have verified the information as accurate. 
XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion regarding the bankruptcies appearing on my credit reports.

T

hese letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is not reporting the bankruptcies to the bureaus as it is not part of their practice. The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. 

This request was made in accordance with the FCRA, Section 609 a ( 2 ).

XXXX deleted the bankruptices and Transunion deleted one of the bankruptcies. XXXX  did not delete the bankruptcies and stated that they had verified the information as accurate but failed to provide me wit the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ). 

Transunion stated that they had verified the information as accurate for one of the bankruptcies but failed to provide me wit the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ). 

XX/XX/XXXX I therefore sent FINAL letters to XXXX and Transunion regarding the bankruptcies appearing on my credit reports. 

Again, These letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is not reporting the bankruptcies to the bureaus as it is not part of their practice.

The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. 

This request was made in accordance with the FCRA, Section 609 a ( 2 ). 

I am at my wits end here because they are clearly violating the law and DONT CARE. 
If the Court is not reporting this information to the bureaus then WHO IS and how do they have a legal right to do so? 
It is CLEAR that the court is not reporting any information to the credit bureaus. 
Are the credit bureaus placing this information on the credit reports at their own discretion? 
It is my understanding that only " creditors '' or " credit grantors '' can report information to the credit bureaus. 
This is my final step before taking legal action so I hope the CFPB can take action with the seemingly illegal practices.
I CALLED ALL THREE CREDIT AGENCIES, XXXX, TRANSUNION, XXXX  AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.
I joined XXXX in the beginning of XX/XX/XXXX. They sent validation request on my behalf to XXXX. I then sent my own validation letter ( 2nd request ) on XX/XX/XXXX via USPS Certified Mail. In the letter I requested definitive proof that the debt they are trying to collect is indeed mine. I have yet to receive the requested validation, instead I have gotten the SAME EXACT response letter 3 times now, saying the debt has been VERIFIED. On XX/XX/XXXX I submitted my first complaint to your office because the mandatory 30 day waiting period lapsed ( Complaint # XXXX ). XXXX then responded that they did in fact validate the debt, which is absolutely false, ( attached are copies of our communications. ) I sent my THIRD request for validation via USPS Certified mail on XX/XX/XXXX. Surprise, surprise! I got the SAME letter again. This debt has NOT been properly validated and I want PROOF that it is mine.
My husband and I recently sold our home for cash. His mother 's trust account, of which he was the trustee, had the same routing numbers but different account numbers. He mistakenly wrote the trust account number for the deposit. He passed away a few weeks later. His mother has been dead for years. XXXX XXXX XXXX XXXX sent the $ $ to Chase Bank on XXXX/XXXX/2016 which was then to be wired to our joint Chase checking account. The funds never came. Realizing the mistake, I corrected the account numbers and faxed to the Title Co. on XXXX/XXXX/16. The Title Co. explained the mistake to Chase and requested a recall of the funds. There has been no response from Chase. There have been multiple inquiries by theTitle Co. and from myself to the Title Co. and Chase Bank requesting $ . A recall was initiated on XXXX/XXXX/16. Bank personnel state they were waiting for a recall from Title Co. and deny any responsibility for delay in returning funds. Chase states an employee telephoned the XXXX Co regarding the recall but upon receiving voice mail, left message but did not follow up on inquiry. After spending 2 1/2 hours at a local Chase branch trying to reach a resolve to this issue including numerous telephone calls no happy results are evident. I became disgruntled and left - still with no solid reason for the delay in receiving funds. What were they doing with them? Drawing interest? Were they lost? Why is a recall of funds so difficult and time consuming? The following day I telephoned the 'consumer friendly ' line. I had received the Chase bank trust statement in the mail showing the $ $ in the trust account. After being transferred a few times to different people, a female employee on Chase investigation team said she saw the $ $ deposited in another account from the trust account. She asked me if I had an account with the XXXX numbers she said she saw. I did not. She was unable to explain how the same amount could be showing on my Chase trust bank statement and still be insisting that the same $ $ were in the account with completely different account numbers. She was reluctant to acknowledge my bank statement and continued to insist that her information was solely correct and could not be doubted. Again, I was disgruntled and still am.
i have attempted to submit request for modification several times but my documents were lost, or claimed not received. After my financial situation worsened I called lender and requested short sale, sent all required documents via fax numerous times, but instead of contacting me or my real estate agent for any missing documents, Nationstar/ aka XXXX just sent me Notice of foreclosure sale scheduled in less than 30 days I keep calling but I only get voicemails, no live rep to talk to, fax line always busy, unable to refax my request and all paperwork for short sale It seems they literally do NOT answer phones, have non working fax numbers so consumers like me are facing foreclosure Please investigate
I have disputed items to XXXX for six months now, which they have fixed some of my issues. I am a victim of Hurricane Harvey. My credit is very important to me. I called everyone of my creditors right after the storm. They all agreed to postpone my payments to recover from the storm damages. Now months after the storm, XXXX is reporting I have late payments on my credit report when I know I contacted each creditor and arranged an agreement. And also, XXXX is reporting I have missed payments on student loans that are duplicate accounts. All of my school loans have been deferred for years now, because I am still in school. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.
On XX/XX/2017, I discovered that my XXXX checking account had been hacked and the hacking had been going on since late XX/XX/2017. Copies of all my statements showing the hacking are attached, along with my letter to XXXX. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous PAYPAL accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and XXXX refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number generated by PAYPAL.
I am trying to get a job and need to get a cold check removed from this. It was my own checking account that was closed and I forgot i hard a check still out.
I have asked Second Round LP to validate this debt multiple times. This auto loan was already paid to another company. They have ignored multiple request from me. My last letter was sent to them on XX/XX/XXXX. It is still showing as a collection on my credit report. Please assist me with having this in-validated account remove from my credit report so I can continue to proceed with my life. 

SECOND ROUND LP Account # XXXX Account Type Other Collection Agencies Balance {$3100.00} Past Due {$3100.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month
I had an overdue account for several months. However, in XXXX 2016, I paid my account in full. ( XXXX balance ) I talked to a customer service representative to get the payoff amount and I was given and paid that amount and told my account was current. On XXXX XXXX, 2016, I was told that current meant XXXX balance, but not necessarily active. Several weeks later, I attempted to use my card for the first time in 2016 and it did not work. Upon checking, there unpaid interest charges that were added after I was told the payoff amount. The agent refunded the charges but told me that my account was restricted and I would have to wait three weeks to be contacted about unrestricted offer. I was contacted today and told that my unrestricted offer was denied because their agent told me my account was current but never told me the account was active. However, they did not tell me it was restricted. As a result, I have an open account, zero balance, but an unusable line of credit. When I asked about getting it unrestricted, I was asked two personal questions 1 ) why did you account go unpaid for a few months 2 ) what do you need your card for. 

After I responded -1 ) financial difficulties 2 ) necessary purchase which I can not make with my bank debit card I was told that I did not meet the criteria. I asked why and the agent said - we can not disclose our criteria. Another option is to wait to maybe, not guaranteed, receive a mail offer to unrestrict where there is no criteria. 

I asked repeatedly for an explanation why? no answer. I feel I should get a reason.
Wells Fargo needs to answer these questions in full based on their last response to the same issue. Refer to CFPB # XXXX. 

XXXX. In their response to the above complaint is Wells Fargo denying ever sending me anything on XXXX XXXX, XXXX? 

XXXX. If not, are they only denying sending me a rejection letter on that date? 

XXXX. If yes to above, what do they claim they did send me on that date? And why did they send it and what records do they have in their possession to prove what they sent me? Please supply all documents to support the claim that something else was sent to me on that date. 

XXXX. Is Wells Fargo claiming they do n't have any records of sending me anything on that date? If so what records do they have to prove they sent me anything during the application process? 

XXXX. Wells Fargo either needs to admit they sent me something on that date via XXXX  or deny sending me anything on that date. Since there are records of that transmission having been sent to me they must either acknowledge or deny it.
I went to the XXXX dealorship to shop for a car in 2014 and they sent my information to multiple lenders. Now my credit report has several hard inquiries. I later learned that this takes up to two years to come off your credit. I am trying to rebuild my credit and this issue did not help my score at all.
I have made multiple attempts to obtain the legal supporting documentation to provide proof that the account LVNV Funding is reporting on my credit profile belongs to me. This company continues to ignore my certified requests. They 've verify with the credit bureaus that the account they are reporting is accurate ; however, they 've refused to supply the substantiating documentation.
This complaint is against Coinbase.com.

I registered with Coinbase that is regulated as a MSB by XXXX. As part of my registration I was fully verified and provided detailed KYC documents as required. I linked my XXXX XXXX account to this coinbase account. All of my transactions on this platform were buy transactions using verified source of funds from my XXXX XXXX account. Unfortunately crypto currency has a lot of scam and phishing attacks. I fell victim to one such scam/phishing attack that should have been easily prevented by Coinbase. This is the only ONE time ever I initiated a Send transaction and Coinbase system failed to check that the site I was sending was a bad site and should have been in their blacklist. It seems after many customers fell victim should have easily identified and blocked these transactions. Instead, Coinbase decided any weeks later shut down accounts of good and well KYC customers. They forced good customers like me, that they did not protect, to have to extract our balance into other digital wallets. Since I did ONE send transaction their risk and compliance engine should have detected that the receiving site was malicious. They are severely failing in basic risk and compliance verification and rather hurting their well kyc customers.
I spoke with Equifax directly on XX/XX/2017 and advised the credit reporting agency that the reported website score was inaccurate. My Equifax score was almost XXXX points higher, per my current creditors, than what was being reported online. My credit scores for XXXX and XXXX are significantly higher than the information reported on the site, even with the discrepancy in the scoring models. XXXX utilizes that XXXX scoring model as well and reported a score over XXXX on all documented creditor/credit reporting sites. Equifax has no explanation for the inaccurate information and offered no remedy during my conversation on XX/XX/2017 with their representative.
I applied for a credit card to purchase an XXXX XXXX through XXXX XXXX. I have made payments towards the card, just recently, I was charged accrued interest. This interest is causing financial hardship. My intention was to pay the card off within the alloted time, however, financial hardship prohibited me from doing this. My brother XXXX in 2012 and as a result, our family is sustaining financial hardship. My mother is attempting to remain afloat but the loss of his income has now had an impact on my mothers finances. All savings have been depleted. As a result, I have had to contribute financial support to my mom in order to meet everyday expenses. I have only XXXX credit card and this is with Barclay. I am hoping that Barclay will note that I have made the payments as required and when I have the ability, I pay more than the minimum payment. I would like to continue to maintain my credit card with Barclay and look forward to expanding a financial relationship with them. I am only XXXX years old, but due to the XXXX brother have now had to take on added responsiblities. Any compassion on the part of Barclays would be met with very much gratitude. I honestly did not know that the interest was going to be added or I would have made bigger attempts to pay a larger dollar payment. Thank you again for your understanding of my financial hardship.
BBVA Compass Bank has defrauded me for {$510.00}. 

In XXXX I signed up for a checking account at what was then called Compass Bank. The terms of the account included the provision that it would be free for the life of the account. There would be no monthly service fees, ever. 

Early in XXXX, the bank ( now known as BBVA Compass ) begin charging a monthly service fee of {$10.00}. They had no justification for doing this and no authorization or agreement from me. 

At that time, the account balance was {$79.00}. From that point until the end of XXXX, XXXX deposits were made into the account, totaling {$180.00}, for a total of {$260.00} of my money. 

However, unbeknown to me, BBVA Compass was continuing to charge {$10.00} per month, until it consumed all the funds, at which point the bank began to impose penalties. 

Now they have not only seized, fraudulently, my {$260.00}, they also say I owe them an additional {$240.00}. They have turned this so-called debt over to the collection agency, XXXX XXXX XXXX XXXX XXXX 

This is fraudulent. The small sums coming into the account were from affiliate sales commissions I earned. I looked on them as a nest egg for a rainy day. I had every reason to believe that I could safely ignore correspondence from the bank, which I felt was likely to be sales-related. I had no reason to think anything was wrong until I received a collection letter from XXXX XXXX. 

I have spoken with a teller, XXXX XXXX, at my local bank branch. It was she who prepared the worksheet showing how much money would have been in the account had no service fees been charged. I asked that my money be given to me, that all fees be reversed, and that the account be closed in good standing. 

I met with XXXX XXXX on Wednesday, XXXX XXXX, XXXX, when she prepared the worksheet and said she would take the information to her branch manager, XXXX XXXX XXXX, for further action. She said XXXX XXXX would contact me. 

When I had n't heard from XXXX XXXX by Tuesday, XXXX XXXX, I phoned and left a message on her direct line. She still had n't called back the following day, when I called again and finally got through to speak with her. 

XXXX XXXX informed me that she had no authority to reverse the fees and that it had taken two weeks to get back to me because she had been looking into it. She 's the branch manager. It 's difficult to understand how it could have taken two weeks to determine that she lacked any authority in this matter. In fact it 's difficult to understand how she could lack the authority. 

XXXX XXXX said that, since she lacked the authority, she would escalate the case to the bank 's Customer Care office and that I 'd be hearing from an officer in that group. When I asked when, she said within five to seven business days. I said that considering the excessive delays so far, that was n't fast enough. I set a deadline of Friday, XXXX XXXX. She noted this, repeating the date back to me. 

As of Sunday, XXXX XXXX, I have still not heard from the Customer Care office or from anyone else at BBVA Compass Bank.
Dear Sir or Madam, I checked my personal credit report, which I acquired several unauthorized inquiries.I contacted the creditors who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I have certified letters receipts where I have made three requests within this year and 5 last year.

I have requested that an investigation into inquiry on my credit report to determine who authorized the inquiry. I you find the inquiry referenced above to be invalid, due to lack of evidence and not receiving a thorough description of the procedures used in the investigation within 15 business days of the completion of the investigation. This is now the fourth request in the past 15 months and it has since been 120 days since the last request. 
The inquiries were removed and sent to all three bureaus to be updated but Transunion is the only bureau that have not removed the inquiries and have submitted a dispute several times. 
The inquires and dates are listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX My second reporting issue is closed accounts I requested be removed. 
Below are closed accounts that have been closed only due to name change of an organization or being sold to another company. There are also debt that I corrected and sent copies of the information to transunion showing the account is still closed but is no longer negative and they refuse to remove it. 
Here are the accounts with XXXX  balances. 
XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX