WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 coinbase locked my account out. Its now been 5 days and I have contacted them numerous times just to be given the run around. I have {$1600.00} i sent over to send to my bank and they decided to lock my account out to where i cant even send the bitcoins back to my original wallet. Please help as coinbase has scammed me!!!
I applied for a personal loan through  One Main Financial s ince it was recommended via   XXXX   XXXX   with " good approval odds '' and their website advertised pre-approval without a hit to your credit.     First lie was that it is not a soft inquiry. I was hit with a hard inquiry and several points off my credit.     Second of all, they said I was approved. When I called to proceed with the loan, the rep asked me for a title to my car. To my understanding, I did not apply for a title loan and this is not a title loan company, or so I thought. I told her I did n't have a title and I thought this was a legit bank, not a title loan company. She responded by saying " ok, have a good day '' when she quickly realized she was n't going to make a sale. So I began to ask her about their qualifications and what they 're looking for, because my credit is n't that bad. I was just approved a few months ago for a  XXXX  credit card through  XXXX   XXXX . She lied again and said she did n't see that credit card on my report. She would not answer my questions and I told her I felt scammed. They 're looking for people with titles, because anyone with better credit than I have would not be stupid enough to apply for a sub prime loan with 35 % interest.     I told her I wanted them to remove the inquiry from my credit because I applied with the understanding tha t 1 ) it was not a title loan, 2 ) that I had good approval odds, and 3 ) it would be a soft inquiry on my credit. She told me she would transfer me to a manager but then came back and said he was gone for the day - another lie, because I called back a few minutes later and asked for a manager and they put me on hold to go get him.
1.-Last XX/XX/2018 we sent a wire transfer from XXXX, XXXX XXXX XXXX for the amount of {$10000.00} to an account in SunTrust Bank of XXXX, located at XXXX XXXX XXXX XXXX XXXX, GA. Funds were to purchased goods at USA .

At the time we didn't know that the account was fictitious, someone use Suntrust Bank to steal the funds that belongs to another final beneficiary.

The final beneficiary is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California. Phone : XXXX Our bank in XXXX  request the return of funds to Suntrust Bank but we receive a denied from the bank. They tolds us to contact fraud assistance center at XXXX but we never have an explanation of why do they have a fictitious account in their bank receiving international wire funds that belong to a legitimate provider in California.
Back in XXXX I was in forbearance and deferment all the way up until XXXX/XXXX/XXXX. I always had a job and was able to pay something back towards my loan. XXXX XXXX never offered me any income base repayment plan options. When I really started looking into my accounts I realized they charged my account XXXX dollars in interest. I called Navient to see if the could remove all the interest or at least half and they declined it. That 's when Navient offered the income base repayment plan XXXX/XXXX/XXXX. Currently I 'm on track making my monthly payments of XXXX. XXXX XXXX XXXX XXXX
On XX/XX/2018 I received a " pre-qual '' letter from Sovereign Lending Group quoting a {$270000.00} loan, estimated new P & I payment of {$1100.00}. The paragraph under these figures states "... call XXXX... to secure a low fixed rate. '' Since this represents an interest rate of about 2.8 %, I called. The loan representative, XXXX, went through the entire application process, including credit checks for my wife and myself, even after I told him what our current rate is --

3.875 %. After more than 30 minutes on the phone, the rate he finally quoted me was 3.75. I guess I'm old school -- when a letter quotes
a figure, I still assume it's true. Bad mistake! My take on this is, this is a fraudulent bait letter which cost me -- and XXXX -- a lot of wasted time. Shouldn't there be some sanctions on this company?

Thank you!
XXXX Card : It is an account that has more than 7 yrs of age, it was mentioned that it was going to be taking off the bureau. I have already disputed such account so the error could be fixed but no respond. Please remove account from my report, thank you.
I have a debt from   XXXX   XXXX   for {$1400.00} that was dismissed in Bankruptcy on  XX/XX/XXXX .
 XXXX  has added this debt back to my credit report every six months since  XX/XX/XXXX . I have requested removal and sent bankruptcy documents 7 times to  XXXX . They remove it and then add it back a month later. They have done this 7 times since  XX/XX/XXXX .
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it I disputed this on XX/XX/XXXX  and they added a note but did not remove it.
The balance was discharged in Bankruptcy and   XXXX    should be prosecuted for adding thi  s debt illegally back to my credit report numerous times.
I applied for a credit card on-line last XX/XX/XXXX from American Express. I never received the card or any statement. In XX/XX/XXXX I received a statement requesting a fee for {$95.00}. I called and told them I never received the card and do not want the card now. They have refused to remove the fee since they say it was over 30 days since I applied for the card.
I received an email date XX/XX/2018 from XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX Illinois ) indicating that they had received my application for a line of credit from them ( for which I did not apply. ) I called to tell them that I had not applied for such line of credit. They informed me that the application was actually submitted by XXXX. I asked for contact information for this company and was placed on hold. The customer support person said she would consult with her Manager XXXX and get back to me. They never did. I called again this morning and spoke to XXXX and got the same response. I need to know who is applying for credit in my name without my permission.
I went to First National Bank in XXXX, NC todayXX/XX/XXXX. Cashed a check for {$500.00}. The teller gave me ( 4 ) {$100.00} dollar bills and ( 5 ) {$20.00} dollar bills. I took the cash to my bank, XXXX XXXX XXXX XXXX, and the teller noticed one of the {$20.00} 's was counterfeit. I returned to First National Bank and they would not rectify the situation ... I am basically out of {$20.00} because THEY gave me a fake bill. I surrendered the counterfeit bill to XXXX XXXX XXXX and obtained a form stating such. <P/>I am filling a complaint due to the fact that First National Bank needs to exercise more due diligence to use caution in making sure the banks do not issue counterfeit bills.
To CFPB After making several attempts to get Experian to remove the inaccurate information including old addresses that, according to the FCRA I, as a consumer have the right to have removed from my report, Experian has refused to remove these inaccuracies off my report, responding that I would need to speak to those who placed them there, EXCUSE ME!!! Federal law says I can have them removed. 
Since Experian has refused to comply with Federal law and by their non compliance to that law as well as XXXX XXXX we have decided to give Experian 15 days from receiving this communication to remove these inaccuracies or there will be legal action taken against them by our attorneys.
I had XXXX fraudulent purchases made in XXXX, XXXX that I did not initiate. My Bluebird American Express company will not file fraud charges and reverse the transactions. Their fraud department will not do anything about it.
***THIS ISSUE IS TIME SENSITIVE*** My current home mortgage is with BMO Harris and I am re-financing with XXXX XXXX . I also have a small business loan with BMO that XXXX  instructed me pay off to facilitate the refi ( the loan is secured with my house ). I paid off the BMO business loan on Friday, XX/XX/XXXX in the amount of {$2700.00} and asked for a discharge letter to be sent to me ASAP. I have a rate lock with XXXX expiring on XX/XX/XXXX unless I can confirm the loan payoff. I contacted the branch on Monday, XX/XX/XXXX to verify the loan payment had been processed. The branch could NOT verify payment had processed. They instructed me to contact their Customer Service department at a number they provided. I was transferred 3 times, having to explain my situation each time, before getting someone to confirm the payment was processed. When I asked for a discharge letter I was told it could take up to 30 days. After explaining I couldn't wait that long I was told it could be expedited but that would still take up 14 days. I requested something to give XXXX to extend my rate lock. She offered a letter emailed to me on Tuesday, XX/XX/XXXX. I did not receive that email. I've left two messages today with no response. In addition, my loan officer at XXXX has indicated his difficulty in getting payoff information on the primary mortgage delaying the process more than it should. It doesn't seem to matter who you call or what information you're seeking, this bank is unresponsive to it's customers needs.
On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from EOS again.
In XXXX XXXX I received a copy of my credit report. My credit report is stating that I have XXXX separate accounts, with collection balances, each with a different account number and a different amount owed to Portfolio Recovery. The account numbers and balances owed are as follows : Acct # XXXX for {$630.00}, Acct # XXXX for {$500.00}, Acct # XXXX for {$450.00}, and Acct # XXXX for {$740.00}. All XXXX accounts appear to be opened on or about early XXXX. I have never had an account with Portfolio Recovery nor do I owe monies to Portfolio Recovery. I have sent XXXX separate letters, over a 49 day period, asking for validation of said debts. I have not gotten a single response, for the alleged debts, from Portfolio Recovery. My credit report was marked " disputed by consumer '' but I did not receive any information from the collection agency. I am not aware of any debts incurred with Portfolio Recovery. I was separated from my estranged husband in XXXX and divorced in XXXX and I do n't know if these alleged accounts were obtained under false pretense.
I have been unsuccessful in trying to reach out to Nationstar regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to Nationstar regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to Nationstar regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking Nationstar to address in an urgent manner and to be corrected.
I closed on a refinance XX/XX/XXXX. My loan was funded XX/XX/XXXX and my previous lender, Dovenmuehle Mortgage, was paid off. They were holding an escrow fund of {$4300.00}, which was to be mailed to me within 2 weeks. As of XX/XX/XXXX, I have still not received a check from Dovenmuehle. I have called their desk 4 times and requested them to reissue a check. Each time, they stated the original check was mailed XX/XX/XXXX and that their policy was to wait 30 days from issue to resend the check. Escalating to supervisors did not change their response. 

When I called today, they stated they would send another check with no tracking number. If I did not receive it in 30 days, I could call and have them re-issue a check. When I asked for them to overnight the refund check, they stated it would have to be escalated to another department. I would receive a response with 24-48 hours if they would decide to overnight the check. 

These are all classic stalling techniques. I do not know if Dovenmuehle is a solvent entity since my mortgage was purchased by them without my knowledge or consent. It is unacceptable that they can hold on to {$4300.00}, stone wall me, and refuse to expedite service when they are in the wrong.
I had opened an account in Wells Fargo Bank back in 2014 and they had automatically closed my account without my authorization and are now wanting me to pay an outstanding balance of {$160.00} in which I personally think that its not fair.
During a security clearance reinvestigation in XX/XX/XXXX, I became aware of a {$400.00} collection action on my XXXX credit report for a debt I do not owe. I had this debt removed from the XXXX report in XX/XX/XXXX and it has reappeared under a different collection agency. My XX/XX/XXXX complaint to XXXX County Office of Consumer Protection and the debt collector response are attached. 

I notified the new collection agency, IC System, that I do not owe the debt and requested proof of the debt. It responded with a nonsensical letter indicating that it intends to continue attempting to collect the debt. No proof of the debt was provided. My letter to IC System and its response are attached. 

I complained again to XXXX County Office of Consumer Protection and it sent a letter to the debt collector to which the debt collector has not responded. My XX/XX/XXXX complaint and the Office of Consumer Protection letter to the debt collector are attached.
All of my student loans ( from XXXX College, The XXXX XXXX, University XXXXXXXX XXXX at XXXX XXXX, XXXX University and XXXX XXXX, The School ) are with XXXX. In the first few years, they were relatively responsive, but over the past two years, they have either not responded to my requesrs for IBR renewal, in a timely manner, or have only provided me with a response when Inhave phoned them. The last three times I have phoned them, they have responded to my frustrations with their lack of confirming the status of my IBR applications with variations of " there are more steps/documents to complete, and/or you completed the wrong IBR type. But why did they not inform me of this??? To date, my IBR request is in limbo. The laat time I phoned, they said I would receive something in the mail that would allow me to pay five dollars (??? ) and then this would trigger my forbearance and I could reapply for the correct (??? ) IBR. The entire process is frustrating and cryptic and XXXX is not responsive or helpful. Meanwhile, they are asking for a payment of over {$1500.00}, that Incannot afford. Please help.
I obtained a student loan through XXXX XXXX for my XXXX XXXX expense in XXXX. The loan was taken over by Navient student loans in XXXX or XXXX. 
Recently there was a balance of {$50.00} due. Navient Student loans has harassed my phone by calling me Everyday from Sunday-Saturday including holidays from XXXX, every 2 hours or about 6 times a day or 42 times a week and 168 a month nonstop. Navient also call and when voicemail comes on to record the message, they do not leave a message. So, they have called so much as to leave my voicemail full with empty responses and block my ability to receive messages from other persons. 
This is harassment and I am reporting them so this type of practice will stop starting with me. 
These type of phone calls interrupt the general use of my phone, harass me and interrupt my phone use. Navient has other ways of contacting me, they have my addresss and email and have contacted me by email and even went as far as to sent letters to my old address that I have not lived at in 20 years. Currenlty my relative is XXXX in the hospital and my phone needs to be freed up for this and other purposes.
BP BUSINESS SOLUTIONS MASTER CARD- You can only receive your bill electronicallythe bill arrive on the XXXX and must be paid by the XXXX ( only 13 days ) If you have a Mac & use Safari You ca n't pay online anymore - Their IT dept disabled this option for Mac users. XXXX XXXX sent my Bill Pay payment on the XXXX. BP could n't process payment or put my payment of XXXX on another persons account. They did n't process my payment until XX/XX/XXXX on XX/XX/XXXX they charged me XXXX for a late fee for the remaining balance of XXXX plus they are charging default int fees of XXXX & XXXX & on XX/XX/XXXX they charged me XXXX for a late fee for the same issue
On the date of XXXX XXXX, 2016, I filed a complaint against Stellar Recovery, case number, XXXX, for reporting to my credit reports I owed a debt which I did not owe. 
Stellar Recovery responded to my complaint by advising the CFPB they [ Stellar Recovery ] were removing the account from my credit reports. 
As of the date of this second complaint Stellar Recovery has refused to honor its promise to the CFPB and is still reporting to my XXXX credit report I owe a debt which I do not owe and an account that Stellar Recovery promised the CFPB and me they were removing from my credit report. 
I sent three letters to Stellar Recovery demanding the removal of their negative reporting. All letters were ignored. 
I the emailed the chief complaint officer for Stellar Recovery demanding removal of the account and even attached to my demand a federal lawsuit I would file if Stellar Recovery continued to violate the law and its promise to the CFPB. 
Stellar Recovery ignored my emails and as of the date of this complaint continues to report to my credit in a negative manner, violations of the FCRA and the FDCPA. 
I have now been forced to retain an attorney and a federal Complaint has been filed on XXXX XXXX, 2016, case number XXXX, XXXX XXXX of Arkansas. 
However, even after the filing of a federal lawsuit against Stellar Recovery, they still refuse to remove the negative and illegal reporting from my XXXX credit report. As the CFPB is well aware, a universal data form being faxed to a credit bureau will have the account removed in less than 24 hours. 
Stellar Recovery has lied to and thumbed its nose to the CFPB, even though it is facing a federal lawsuit. If the power and authority of the CFPB does not find this case worthy of using its authority to regulate this collection agency, then I am not sure what kind of case would be ripe? 
I am bringing this agency to justice on the civil side, and the CFPB should use its authority to send a message that conduct such as that of Stellar Recovery will not be permitted against consumers and against the CFPB. 
It is worth noting again that Stellar Recovery failed to respond to ALL communications to them to further discuss this matter and work with the consumer to resolve this issue. 
Thank You
XXXX and Transunion are reporting my total credit history to be 14 and 15 months respectfully ; thus lowering my credit score unfairly. I'm XXXX years old and my credit history is actually well over 30 years. I went through a successful Chpt XXXX BR, paying off all my previous creditors three years ago. 

My correct length of credit history should reflect the overall history ; not just the last 15 months. Only showing my credit history as 15 months, but showing my public record of a Chpt XXXX BR, does not accurately reflect my PAYING OFF numerous creditors that go back much more than 15 months. This bias negatively reflects my credit history as being short, while at the same time shows only the negative aspect of my real credit history -- the Chpt XXXX. In fact, only about 5 % of persons filing Cht XXXX complete the payment plan. This is not a negative ; it should be reflected that way. 

I paid off many accounts more than three years ago. The public record SHOWS a Chpt XXXX discharge 3 years ago -- AFTER I paid off several accounts -- such as XXXX XXXX of XXXX County mortgages and many other accounts. 

How could my credit history only be 15 months? That is incorrect.
The harassment of a debt not owed by yourself is an emotional form of identity theft in itself, I'm been held to debts inwhich I have no knowledge of. And I surely do not have a contract with the following companies, ( 1 ) XXXX XXXX XXXX for {$210.00}, XX/XX/2018, a date inwhich I was out of town anyways. According to the FCRA, I would had to have an contractual agreement with the creditor in order for me to be an responsible party. Again I have no contractual obligation to the above. As a consumer I'm requesting physical documentation of this debt. And for this one as well, ( 2 ) XXXX  XXXX XXXX XXXX, XX/XX/2018. If these requirements are not met then I have no other option but to file a law suit for emotional harrassment. Again no contract with either of the above.
I am a veteran who uses XXXX 's free credit monitoring service. On XX/XX/2018, I received an email from XXXX that my credit report had changed. I logged in to see an inquiry from " EXPERIAN XXXX XXXX  '', posted on XX/XX/2018. I have no business with such an entity and did not authorize it. I also noticed an identical one on XX/XX/2018 that I also did not authorize. I called the phone number indicated and it turned out to be a XXXX number. They transferred me to Experian. I was transferred 3 times by Experian, each time having to give my full SSN, DOB, address, etc. Each time, after all that, no one knew what to do. I asked to speak to a supervisor and was place on a terminal hold, where I remain right now as I am typing this. Furiously.
i applied for a loan mod, was approved for it and because of misinformation, delays and various other reasons manufactured by chase home loans, have been cancelled and now they say i have to resubmit all the paperwork again or lose my home. all this is over a notarized signature that chase claims is either executed incorrectly or nonexistent. I have spoken to numerous individuals and have been given incorrect instructions on what to send, do and now am at my wits end. they refuse to honor the modification. they said i have to start from scratch and will not assure that the terms of my modification will remain the same even though the delays were of their making. I was told that a modification packet was delivered with a time frame and that i did not return it. this is news to me.
This is not my account never had wireless phone in that company before it is not me someone else is using my information