WillisBack/dataset-financial-user-claim huggingface dataset:
I am a user on XXXX and am trying to transfer my XXXX from my XXXX Etherum Vault to my XXXX Etherum Wallet, however, it appears that some how my secondary email ( which is needed to confirm a transfer out of a coinbase vault ) is incorrect. On XXXX/XXXX/XXXX I initially created a withdrawal, however, after 3 weeks my XXXX was still not available. I called XXXX Support on Monday XX/XX/XXXX and was told they are unable to change my secondary email address. The only way I can access this currency is to have my primary and secondary email approve the withdrawals, so unless XXXX can help me, my Etherum is inaccessible. 

A secondary issue that I have been dealing with sinceXX/XX/XXXX is my account is locked, so I am unable to make any additional transactions. I have called and emailed support upwards of 20+ times and have never been given a way to unlock my account. The phone support says to email my issue, but when I email, I never receive a response.
I have advised creditor of a chapter XXXX bankruptcy over a year ago and to please cease contact they still continue to call and threaten legal action is being pursued
Navient short changed me of {$15.00} on the second refund check, it should of been {$190.00} but got {$170.00} instead. called them spoke to  XXXX  she told me there was a IRS filing fee and I told her I was not to be charged anything. Kept getting the run around with her, hung up and contacting you an d Washingtons Attorney Generals  office.
While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to Navient the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/Navient question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.
On XX/XX/XXXX I received a letter from Ditech my mortgage company stating that I am eligible to receive an additional pay for performance incentive in the amount of $ XXXXThis is under the guidelines of the Home Affordable Modification Program that is tied to Dodd-Frank. I had to send in a Certification form. I did so on XX/XX/XXXX via fax.See attached documentations. Shortly there after I called to verify that they had received my documentation and was told it had to be processed.On XX/XX/XXXXI was told that everything was in order but it could take up to a year to complete. On XX/XX/XXXX and XX/XX/XXXX I was told a similar story and the last time they had no record and had little information about the program. I was sent to a different extension were I got a voice mail to leave a message with my information and I would receive a call back which never happened. I this point I am tired of the runaround by this large bank and seek your help. A gravely similar and much worse process took place during my loan modification which resulted in a {$20000.00} impact on my mortgage. Please Help, XXXX XXXX
About XXXX XXXX, XXXX I applied for the REPAYE plan with Mohela to begin immediately, while I wait for a decision on my XXXX XXXX application with XXXX. Instead of my REPAYE plan beginning asap as requested, I am currently on General Forbearance until XXXX XXXX, XXXX, Mohela states my REPAYE plan wo n't begin until XXXX XXXX, XXXX and put me on Administrative Forbearance from XXXX XXXX - XXXX XXXX, XXXX. When I asked Mohela why I was no put immediately on the REPAYE plan they stated that the Board of Education controls the date. I would like to be put on the REPAYE plan immediately as requested on my application, while I wait for a decision from XXXX regarding my XXXX application.
XX/XX/XXXX Business was very slow at the company I worked for. Bills started to pile up and I worked out a agreement to pay {$800.00} within a specified timeline by Capital One. I paid the {$800.00}. Not once did Capital One say to me that it would be reported to the Credit Bureau ( s ) as bad credit. They are still reporting it every month even though we agreed on a amount back XX/XX/XXXX. Most of it was late charges. I find this misleading. I have great credit, I have a car loan and the payment is made every month on time. Had I known this " settlement '' would damage my credit, I would have NEVER agreed to settle. Now I 'm being told that nothing can be done about it. This is not right, it needs to be addressed so people know when a Credit Card company is indicating that they are helping you solve your debt issue when in a financial crisis arises by paying them a amount you both agree upon, they also need to communicate the later part, oh by the way you will still get reported to the Credit Bureau, after you scraped by to get the situation resolved.
I have had a Discover Card for some years now, so today I received the following email from Discover Card : '' Important Information about your AccountFrom Discover Card Customer ServiceDate Received : XXXX/XXXX/2015 XXXX PMDear XXXX XXXX, Action Needed : A recent account review indicates that your income information may be outdated. We are required by federal regulations to have your current income on file in order to service your account and satisfy your future credit needs. Please take a moment to update your income. 
Your privacy is very important to us. As always, we will keep your information secure. 
Simply click here to update your information now. To update your income in our Mobile App, log in and select " Profile & Settings '' from the menu and select " Account Profile '' from the sub-menu. You can also call us 24 hours a day, 7 days a week at XXXX. 
We appreciate your business and the opportunity to be of service. Thank you for choosing Discover. 
Sincerely, Discover ( R ) Card Customer ServiceIMPORTANT INFORMATIONYou are receiving this e-mail because you are a Discover Cardmember. 
Please do not reply to this e-mail as we are not able to respond to messages sent to this address. " So, my question is : WHY is there a federal regulation requiring me to tell Discover Card my annual income? And guess what, I am breaking this regulation, because I wo n't be giving Discover Card my income - PLEASE PROSECUTE ME, PLEASE PLEASE.
I obtained an automobile loan from USAA. During the telephone conversation to apply for the loan I was offered an extended vehicle protection plan which I purchased with non-loan funds held in a DDA account at USAA. The funds for the EVP were deducted from my DDA account on XXXX/XXXX/2015 the day I picked up the car. I had changed from one dealership to another, and from one car model to another and as such I called USAA to notify them of the new information and seek a new price on the EVP as I selected a different model vehicle than I had described during my first telephone call to obtain the loan. 

The EVP proved unacceptable for many reasons and I rejected it for a refund during the preview period during which the customer may review the documents. 

The vehicle loan was established using a check-like form presented to the vehicle dealer. The bank accepted the form from the dealer and funded the loan. The bank added as second ( with a different policy number ) EVP to the loan principal and obtained state doc stamps for the entire proceeds of the loan including this unwanted second EVP. 

Telephone conversations with USAA have proved fruitless. I have asked them to remove the second EVP they added ( they may contact the vendor of the EVP to rectify their error ), correct the loan amount and correct the doc stamps. They have failed to do so putting the onus on my to reach out to the vendor of the XXXX EVP and cancel it on their behalf. This would leave the doc stamp difference unresolved. 

USAA as an agent for the EVP has made misrepresentations to induce me to purchase the EVP. USAA failed to assist in obtaining a refund for the initial EVP. As it was purchased based on the EVP 's agent 's ( USAA ) incorrect plan description I felt it incumbent on USAA bank to assist in recouping the funds debited from my account at USAA. 

USAA improperly and without authorization added an unwanted product to a consumer loan in violation of the law. When notified USAA took no timely or definitive steps to remedy their error. Rather they insist the customer untangle the mess they have made. The number of errors, misrepresentations and the stonewalling by USAA customer service lead me to hold the opinion that this is not simple errors but a pattern of incompetence, a breach of fiduciary duty, and perhaps even fraud and I encourage the CPFB to investigate and take enforcement action.
Received original notification that National credit systems wanted to collect on a debt that was not mine. The XXXX Apartments uses a third party company to collect for water, trash, sewer, cable and internet. I was then notified to pay on a bill that is not mine. I was not able to move in the apartment due to bed bugs. I have tried to resolve this issue with The XXXX, XXXX and XXXX XXXX Owners, National Credit Systems, XXXX XXXX, and all parties involved I have been working on this for a year. I have written to the manager of the collection agency, owners of all companies, and called multiple times.
To Whom It  May  Concern  : 1 . My escrow account is incorrect.  Ocwen 's Escrow Account Disclosure form  dated   XXXX   XXXX   XXXX  , indicates a negative escrow of {$5100.00} which is incorrect. I made all required escrow payments and ye  t Ocwen  now indicates a huge shortfall. Ocwen continues to improperly raise my escrow payment.
2. My principal balance is incorrect. Ocwen has committed multiple modification fraud on my account adding exaggerated arrears and illegal fees fees to my account - including multiple foreclosure fees, repeated inspection fees and ongoing attorney fees.
3. Ocwen violated the Fair Debt Collection practices act by greatly exagg  erating my arrears and then later changed their records in  XXXX  and then again in  XXXX .     Please ask Ocwen to correct my escrow and principal balance on my mortgage account. I would also like to mention the great personal cost of living with the fraud committed by   Ocwen  against me and my family.
Previous Complaint C  FPB # :  XXXX  was not corrected b y Ocwen.
I received 2 letters from an Attorneys office about hospital bills I never received. I sent a letter to the attorneys office but never received validation of the debt. I am requesting that this attorney not contact me anymore and the original debtor contact me/send me verification of the debt so that these bills can be evaluated for hardship. I sent a letter to the attorney 's office and as of today I have not received an answer.
I paid off a court ordered judgement that included fees and interest for {$3500.00} ( original amount was {$3100.00} ). They are claiming I now owe 5.25 % in accruing post judgement interest of {$850.00}. I have no had no notification that an amount  beyond the judgement has been allowed by the court.
On XX/XX/2018 I was approved for a XXXX Discharge off my student loans with NelNet who also handles the discharge. I was sent a letter stating my loans would be reported to all three credit bureas XXXX XXXX, and XXXX that my student loan with NelNet would be reported closed paid in full XXXX balance. After about a month I notice On my credit report that over 30 different student loans were added to XXXX and XXXX reports, with different reporting as, transfered closed defered ect. I reach out to NelNet and, told them they are double reporting accounts on my credit report. XXXX and XXXX these are the same company not different. So now on my credit report I have double accounts see below XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX  and XXXX XXXX this account is listed twice on my credit report with transunion and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX. 
XXXX XXXX XXXX XXXX These errors are effecting me, all should have been reported as, closed and paid, and there should not be double up of accounts to make it look like I had 26 plus 19 loans. I am upset because XXXX/NELNET and XXXX are in the same office, it is not a different lender, or serivcer that is handling my loans. When reporting to someones credit it is not even legal with FCRA to double report the same accounts. It should be one account number. I had 19 loans and over 42 loans are showing up with NelNet. Pplease fix like you said you would in XXXX I have attached the letter.
I advised Penn Credit Corporation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XXXX XXXX I do not owe any debts. I also advised them I am on the do not call list. They promptly ignore me and challenged me to report them to the FTC/CFPB. They say that my reporting on them will accomplish nothing and they will continue to call my XXXX numbers. XXXX and XXXX. They are now using spoofed numbers with a XXXX area code in addition to the XXXX XXXX numbers they harass you with.
I have been calling for months to try and settle this debt owed. I now live in a new state and can't get a place to stay because of this debt. No one ever answers the phone nor return my calls after I leave a voicemail. All I'm trying to do is pay so I and my children can have a place to stay. I'm XXXX living in a XXXX at the moment because of this reason. I've never received a letter or anything from this collections agency ever. I only found out about it when I checked my credit and kept getting denied housing because of this.
When filling out information to purchase plane tickets online, an offer for an XXXX XXXX Visa Signature Credit Card was made available to me. I signed up for the card and was approved immediately and then the card was used to pay for the plane tickets as intended. When the card finally arrived a couple weeks later and the bonuses that I expected to see were different than what was offered to me when signing up for the card, I became suspicious. I received a different card than the one promoted to me without anything in the terms and conditions saying that they can do that and without any prompting to me to have my decision on if I want to accept this other card instead of the one that I signed up for and believed that I was being approved for and having the tickets charged to. I tried to work things out with the service numbers provided by the card but to no avail.
Re : XXXX  Loan # XXXX The HUD-1 Inspection fees, Lender ( I ) ( C ), need to be stipulated on the Repair Rider as a contractual agreement to be incurred by the Homeowner ; not the Lender. The Repair Rider ( I ) part ( C ) would have to be revised ; the one-time Repair Administration fee ( I ) ( B ) was the only fee/charge referenced.
the company ENHANCED RECOVERY CORP is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file
I have been watching the current balance of my Wells Fargo checking account very carefully over the past few days in order to not incur an overdraft fee, and I have been transferring funds from my savings account to maintain a positive balance. I have taken a snapshot of my checking account balance page as displayed at the XXXX website, and the account never goes negative. I called to complain, and they offered to restore XXXX of the {$35.00} dollar charge, which makes no sense whatsoever, because they should n't have charged me the fee to begin with. 

They are claiming that the XXXX charge that shows as a pending transaction on the attached screenshot on XXXX/XXXX/2015 was actually deducted on XXXX/XXXX/2015, resulting in a negative balance. If a charge is shown at their website as currently pending, I do n't understand how it can possibly be deducted from my account XXXX days prior. You will note that I deposited {$11.00} on the XXXX, having seen the pending XXXX 's charge at the website prior to it 's being deducted from the account balance. I have also transferred an additional {$7.00} to further avoid receiving an overdraft fee for the pending BIGFISHGAMES charge. The available balance of - {$34.00}, as shown at the bottom of the " Activity Summary '' section is entirely due to their overdraft fee of {$35.00}, otherwise the account would still show a small positive balance of XXXX cents. 'Wells Fargo has pulled this kind of ridiculous nonsense on me in the past, and I notified your agency last year when they attempted this same thing. After being contacted by you at that time, they relented on XXXX {$35.00} overdraft charges, but worded it in such a way as to make it appear that your agency 's involvement in the matter had nothing to do with their decision to restore my funds, and that they were just being big-hearted, customer-friendly, respectable business people in making that decision. 

If it was n't so difficult to change banks, I would drop WF in a heartbeat, but I 'm not altogether convinced that the situation would improve by taking my business elsewhere.
After reviewing my Equifax credit report I see they are reporting a satisfied judgement with an open balance. I contacted them and they stated that the judgement is shown as satisfied but they have not changed the balance to XXXX to reflect the judgement was paid. XXXX is reporting it correctly and XXXX has stated they will be updating their report to indicate the judgement was satisfied in full and no balance should be indicated in my credit report
PLEASE SEE CASE NUMBER XXXX THIS IS AN ADDITION TO CASE NUMBER XXXX. On XXXX XXXX I was telephoned by whom i have knowledge to belive is chase bank ( telephone # XXXX ) at XXXX, XXXX, and XXXX. -see attached screenshots- All the calls were rejected on my behalf. Phone calls at this hour are absolutely unacceptable and a new EXTREME in repulsive business practices. Again please see case number XXXX for original complaint, this is an addition.
I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
My credit report with Transunion shows serious delinquency. All I am asking if I qualify to be seriously delinquent for being late for XXXX payments, which is atleast 3 years old and no late payments after that. How do you grade the latepayments? What happens to XXXX who is late for XXXX or more late payments, ( admit them to intensive care I guess ). I Called them typical answer is you have late payments nothing to be done. I do not agree to the methodology adopted to screen the customers this is not ethical to my unterstatnding
For approx 11months I've had numerous errors on my XXXX report and the credit bureau refuse to remove errors per FCRA.
On XXXX/XXXX/XXXX I became aware that Equifax had allowed their systems to be systematical hacked, and because of their incompetence my personal detail have been stolen. Equifax will not tell me what detail have been stolen, only that at least some of my details had been.
I had discovered XX/XX/2018 that an account was charged off and sent to collections. I reached out to the account holder directly and was re directed to the collection agency. I spoke with an individual and had expressed interest in resolving the matter, and he had indicated that he was seeing another account that was removed by the credit agencies and remarked with a " do not list '' from the credit agency. I asked for a copy of that letter and was denied. the representative had also stated that as long as I keep to the current arrangement then he would not re list the other account. 
I have attempted to contact this agency to discuss the matter but have not been able to reach them for comment.
Enhanced Recovery Debt collector re-aged a debt that had been placed over 8 years ago and lists it as new. XXXX rejected the complaint.
I entered into an agreement with XXXX Mortgage to refinance my home at an interest rate of 3.625 %, and they were going to provide me with a {$2200.00} credit. An issue occurred with the appraisal they ordered, and an appraiser was not sent out for three weeks later than originally intended. I spoke with individual who sold me the product XXXX XXXX XXXX XXXX who informed me that as a result of the delay, a rate lock extension would be required, but because I was not at fault that XXXX would incur that cost and it would not be passed along to me. A new Good Faith Estimate was sent to me to confirm the rate lock extension, but this document indicated that the lender credit had been reduced because of the cost of the rate lock extension. I immediately asked my loan processor ( XXXX XXXX XXXX who advised me not to worry, and to sign the document for the sake of time, and the credit would be restored at a later date. XXXX more extensions were later required and I had the same concerns when the documents sent to me to sign, indicating that I would be paying, and each time I was given the same explanation as the first time. I sent XXXX emails in an attempt to confirm the original {$2200.00} credit, and although both XXXX and XXXX confirmed with me over the phone, they never responded to my emails, despite sending me other communications via email. Then, XXXX days before closing I was told that the absolute best they could do was provide a credit of XXXX {$1000.00}, and the justification was I could n't get a better deal elsewhere ( because interest rates had risen significantly XXXX and XXXX was not at fault, and the third party appraisal company was at fault. However, neither of those justifications hold any bearing, it is unethical to change the terms of an agreement last minute based upon market changes. I signed and closed on the deal because it was true, I could n't get a better price elsewhere after months had passed and interest rates had risen, but that does not make it okay to essentially lie and steal from customers. As for XXXX not being at fault, if that was the case, they should not have told me throughout the process that they were going to incur the cost.