WillisBack/dataset-financial-user-claim huggingface dataset:
It has now been almost 2 weeks and I have n't been able to access any of my money.. this issue started XXXX XXXX and still persist till this day. I have n't been able to get anyone on the phone the line keeps hanging up on me. I can finally go online to if see my funds are there which they are but the card they have there on the account is my old expired card ... At the end of the day I just want my money back that I worked hard for ... My vacation has already been ruined by this unfortunate event in which I have finally accepted, but I will not accept this unprofessional conduct by Rushcard. I also feel that its messed up how no one has stepped up to help us. why? is it because we do n't bank with XXXX XXXX, XXXX, XXXX XXXX etc. Sorry but our money matters too and it pays taxes just like every one else 's does. I 'm a single Female without kids and a XXXX XXXX that do n't make much as is but get almost {$200.00} dollars taken from me every two weeks for taxes. I want to know what our Government that I pay so well is going to do to help us tax payers that has been effected by this.
Hello, Back in XX/XX/2018 we were looking to buying a home and contacted Wells Fargo Home Mortgages On XX/XX/2018 XXXX XXXX from Wells Fargo Home Mortgages charged my Credit Card {$530.00}. He said I had to pay for Appraisal and only after my credit card was charged did I receive the " Loan estimate '' that is dated XX/XX/XXXX, I will attach the Wells Fargo Home Mortgages Loan Estimate with date of XX/XX/XXXX and my credit card statement showing my credit card was charged XX/XX/XXXX. 
I have removed the account number, the Consumer Financial Protection Bureau website saying that the only fee they can charge is Credit report fee and the fee listed for the Credit report is {$15.00}.
This Company called my house phone 3 times, they left a recorded message on answering machine, then a lady called ( from XXXX ) and asked for a XXXX XXXX and I told her she had the wrong number and no one by that name lived here and that we had this phone number for over 8 years and not to call again. About 3 hours later we get a recorded message ( from XXXX ) saying we needed to contact because we had been sued and would be arrested if we didnt contact them to setup payment. I hit XXXX to talk to someone and a guy answered and I told him that they called earlier and I told them they had the wrong number and not to call my home again. I asked them their address and they gave me XXXX XXXX XXXX XXXX Texas XXXX, but that XXXX belongs to XXXX and they said they called them about using there address.
I opened a XXXX XXXX account on or about XXXX 2011. Due to the fact that I was laid off from my former employer, I was unable to make the minimum monthly payments. I have tried on several occasions since to get this account paid but no one is able to find me in the system. I understand the XXXX sold the account to XXXX XXXX but they no longer have the account with them either.This account is having a negative impact on my credit report and I would like to either get paid paid or have it removed ASAP. They are not able to validate any of the information or tell me who I should contact to get this account taken care of. I need to get this resolved ASAP, this has gone on much too long
After seeing coinbase.com on XXXX, I decided to buy bitcoin, ethereum and litecoin.
At the moment, I should have Bitcoin : approx XXXX coins Ethereum : XXXX coins Litecoin : XXXX coins On XXXX XXXX  2017, my coinbase account requested my user name and password to log in. After I provided, the message came up to go to support and provide my ID and proof of address. I uploaded my drivers license and sent it to them.
I received a message that " support @ coinbase is no longer enabled ''.
I opened a case with their online support. Case # XXXX.
A few hours later, I received a response " We will follow-up with you as soon as we have an update. '' As of today, I have n't received a resolution or response.
I see several other unhappy customers that are in my position. How can a company run their business without timely customer support? How can they still continue advertising and generating new clients with out rectifying the issues with their previous clients.
I suspect that this is a billion dollar ponzi scheme!
Please help
My Daughter XXXX XXXX took out a student loan with this bank in 2016 in the amount of {$100000.00}. I was the Co signer on the loan. The loan was to pay for her XXXX  at XXXX University. It was a consolidation of the loans she used to pay for school. I have had accounts with this bank for the past 15 years or more. I have had very large mortgages with this bank in the past. I have at one time been a Private Banking Client of this bank. So I have a long history with them. XXXX  travels extensively for her work, both domestically and internationally. She is at our home maybe three or four times a year and has some of her mail sent hear, which we do not open. She is XXXX years old.Approximately two weeks ago she learned that the bank had charged off her loan and was offering a settlement of {$40000.00} over two years. At that point it was her understanding that the loan was on auto pay. Apparently it was not. She therefore missed four payment and they charged the loan off. When I heard about this, I was very concerned about her credit and my credit, so I called XXXX XXXX. at XXXX XXXX XXXX extension XXXX. He said we charged it off and I have to talk to the recovery department which I did. Ithen spoke with four different people and ended back in XXXX  office. I explained to them that I never was told the loan was in default. They said we sent you a letter. I said I never got a letter. I told them I would be glad to make all the past due payments if they would tell me how much it is. I said I will pay you within 24 hours. They said too bad we will not reverse the charge off. I told them you made no effort to get me to pay these amounts. That is why you wanted me to sign on the loan in the first place. The loan has a provision whereby either side can request arbitration and i was denied that right because they just wrote it off. XXXX  said we have a " do not call '' notation on your file because we called you one time and you said don't call me. so we never contacted you. What actually happened was they had called a couple of times to tell me XXXX was late and I said don't call me when she is late call her. I then told her to make sure she paid them. I do not think this bank made any effort to let me know that the loan was in arrears. All they did was send me a letter and i never saw that letter. XXXX comment was you should open your mail. I said XXXX  I am a XXXX XXXX and XXXX XXXX. I deal with Guarantees and Letters of Credit all the time. I have an excellent credit rating. If I had known about this I would have fixed it. I now know about it and I have told you I will fix it and you have essentially said we do not want your money. We are charging this off. Thereby potentially ruining my credit and XXXX. I told him that for a {$100000.00} they had an obligation to do more than send me a letter which I never got. I need some help on this. The bank is not being fair or reasonable. Thank you.
I contacted this company in regards to an account that was reported to my credit. I have never received notification of this debt to my address. I confirmed my address at which I have lived for over 4 years. I have no knowledge of this account and I called this company to request the validation of the debt so that I may file a police report for fraud. I was told they could not provide the validation and that I would need to file a fraud claim without any information. I explained to the representative and a manager that I was never notified of this debt and I am disputing the validity of the debt under the written law. I requested this company to remove the erroneous illegal derogatory error from my credit report until the validation that I owe this bill could be provided and I was told that it would not be done. This is illegal to not notify a consumer of a debt. I understand my rights and all I am asking is this debt be proven to be mine. This company is refusing to prove I owe and stating I have to prove I don't owe. How can I dispute a bill I have no knowledge of? I am going to pursue legal action for my rights being violated.
Collections representative working on behalf of Check Into Cash called my ex wife and told her that I may have committed fraud and that they were looking for me, even though this debt and the checking account in question were either acquired after our divorce or before our marriage, in clear violation of Section 805 part b of the FDCPA.
I took a loan from US Bank. It was a short term loan for me but I was advised that I would have a {$100.00} penalty if I paid in less than a year which was XX/XX/XXXX. They lost my {$100.00} payment transfer in XX/XX/XXXX. It took 4 phone calls over the course of 10 days for the payment to be found however it was deducted from my checking account immediately. This was eventually resolved. 
I paid again in XX/XX/XXXX at which time the payment transfer was again lost. This took several calls at which time I was told the remaining {$100.00} balance of which I paid {$50.00} was a penalty for paying off early. It had never been disclosed this penalty was part of my ongoing balance. I advised them of this and that I did not want the loan closed to prevent the penalty from being charged. I requested the statements from the checking and loan accounts. I was told there would be no fees for these statements. The bank then closed my loan and kept the {$50.00}. I did not receive the loan statement so I called again. The agent advised I would be charge {$15.00} for the statement. I indicated several times during that call I was not willing to pay that fee. I received a one page statement and was charged {$15.00}. I requested both of these amounts be returned to me on several occasions and this was refused. 
In XX/XX/XXXX, I received a letter that US Bank was going to take a home owners insurance policy on my home based on this loan unless I provided documentation that my home was insured. When I called regarding this letter, I was told that I had to close the account in order to prevent this insurance and being charged for it. I requested the account be closed. ( Keep in mind I paid a penalty for closing the account in less than a year, even though I specifically stated that I would not close the account until the year had passed. ) The agent indicated I needed paperwork to request that or I would be charged for the homeowners insurance. I requested the paperwork which was not received within the 2 days I was told it would be sent. Two weeks later I called again. This agent indicated she could close the account over the phone. When I asked her why I would be charged for insurance when I owed no money, she said she did not know and could not investigate on a closed account. I have no idea if the account indeed did get closed, or if I will be charged for homeowners insurance that US Bank decides to take on my home. I have requested written confirmation.
On XXXX XXXX I disputed a collection account from XXXX and demanded validated proof under FCRA s. 611 ( 5 ) ( a ). 
On XXXX XXXX Experian responded that " account remains '' without any further explanation or proof. 
On XXXX XXXX I wrote a letter stating that improper investigation was conducted, and that they failed to provide me with a copy of documentation, under section XXXX ( a ) ( XXXX ) ( A ). 
On XXXX XXXX Experian responded that they had previously processed the request. Again, no proof of anything was presented.
My mortgage was refinanced in XXXX XXXX with Wells Fargo Home Mortgage. At that time I had over XXXX % equity in my home ( as confirmed by my mortgage consultant ), yet I 've been paying Private Mortgage Insurance for the last 10 months at a rate of {$110.00}. 

After the paperwork was signed, the consultant stated he could easily move me to a conventional loan without having to go through the entire refinance process again ( i.e. no new appraisal, pulling credit history, etc. ). I decided to talk with another lender about this situation. Their comment was, " your lender should 've either given you the option of a conventional loan at the time of refinance or removed PMI since your appraisal verified at least XXXX % equity in the home. In addition, it is unethical for the lender to ask you to refinance again, due to their error, when you asked about removing the PMI. '' Based on the Homeowners Protection Act of XX/XX/XXXX, for mortgages signed on or after XXXX XXXX, XXXX, the mortgage servicer is REQUIRED to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains XXXX % equity in their home, based on the original property value. If this is true, what can I do to recover the financial damages I have incurred?
While in XXXX allegedly a camera issued an electronic restricted parking violation. There was no paper ticket left with the car, no person present that issued the ticket, no photographic evidence showing the car was near a sign specifying no parking. There is no proof of any kind of a violation other than the XXXX/ debt collector 's paperwork that is in XXXX and they could translate. This is a scam.
XXXX XXXX of Attorney XXXX XXXX office has repeatedly called and harassed family members asking for my contact information, even after I have left several messages not to contact anyone, or to contact me at work or my cell phone # for a debt I allegedly owed. I asked for validation of the debt and no response. They continue to ignore my requests and I am not sure what else to do make them stop. I am concerned they will continue to harass family members, friends and continue calls to my place of work.
In the past 12 months Bank of America has charged my accou nt $     XXXX    *15   t imes. In a majority of the cases Bank of America will hold larger debits run the lower amounts charge me a fee and then the larger amounts will bounce because of the fees that they take out of my account. This month alone it has happened 3 times.     I transferred {$200.00} to cover my car paym ent on  X/XX/2017 . There was a credit pending on my account for {$38.00}. Bank of Am  erica held the credit of {$38.00}. Charged me a {$35.00} fee and the {$200.00} carpayment rejected. While some of these fees are legitimate as I am a single mother - recently divorced and experiencing financial hardships- the amount of fees charged on my account has been the cause of other transactions going into NSF status. They have taken so much money out of my account making my situation so much worse.
I never knew that I had a credit card with Wells Fargo card services until they sent it to collections. I believe it was under false pretenses that I had a credit card. The card has now destroyed my credit because it has been sent to collections. I tried to make a payment but they have gone to collections. I was under the impression that I was buying things under a overdraft account tied to my checking, not a credit card. Card ending in XXXX. This account was set up fraudulently and so I feel that I am not responsible for this debt. Also this needs to go away from my credit report.
I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.
I lost my wallet on the bus about a year ago and someone used my debit card and put a false check and took out cash. I made complaints about it and they sent me to XXXX. I had all my information in my wallet. Besides my social security card. Please help me in solving this issue because I need my debit card back. Thank you.
I took out a 60 month car loan in XXXX from California XXXX XXXX. In XXXX I had to return the car and it was charged off in XXXX. I contacted the legal department at XXXX XXXX and they said they have not been in communication with TransUnion. TransUnion has active dates on this account from XXXX thru XXXX. It 's been almost twelve years since the account was charged off but TransUnion is continuing to keep this bad mark on my credit report until XXXX. When reviewing the dates and knowing there is a 7 year maximum on bad credit marks on a report, none of this makes any sense. XXXX do not have this negative information on their reports.
Back in XX/XX/XXXX I disputed a debt from Midland funding on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call Midland funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had one of the credit bureau 's call three way with me on the phone on a recorded line that Midland should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again Midland told me it was the credit bureau and specifically referenced XXXX. I called and spoke to XXXX at XXXX who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per XXXX they have once again removed the dispute and I have once again put it in writing for Midland Funding that this account is NOT disputed. We went through a tragic circumstance with my son who is now on hospice and this continued stress inflicted by this company should be dealt with. Thank you very much!
I have a account that is incorrect listed on my credit reports. It appears to be a debt collection from a source that I do not recognize. I have never applied nor utilized this service under no circumstance.
I received a XXXX XXXX for {$160000.00} from Real Time Resolutions , Inc. ( " RTR '' ) for a foreclosure on a lot in XXXX XXXX Florida I purchased in XXXX. XXXX XXXX XXXX held the interest-only mortgage at the time of the foreclosure in XXXX at which time they issued a XXXX stating the principal balance was {$230000.00} and the XXXX of the property was {$34000.00}. At the time of the purchase XXXXs own appraiser appraised the property for {$250000.00} and lent me and a partner {$230000.00} ( 95 % ). They then transferred the loan to a XXXX XXXX XXXX spin-off XXXX who sold the loan to RTR who is now sending me a XXXX. They did not send one to my 50 % partner who signed the mortgage docs and sent me a XXXX for the total amount. I contend that XXXX was my lender and they should send me the XXXX which should be for no more than half the amount due. Also, I contend the amount is too great. XXXX predatory lending practices lead to the overpaying for this lot which they contend was worth just $ XXXX a the time of the foreclosure ( three years later ). This reporting was handled completely wrong by RTR. I wrote to them in XXXX and they have not responded.
Several years ago our home went into the foreclosure process ( per Wells Fargo, we were required to do this in order to be considered for a Loan Modification ). Wells Fargo took months to handle the Loan Modification process and just 3 days before our home was set to be sold in Foreclosure, they overnighted us documents of the Loan Modification and told us we had 2 days to sign or our home would be sold. In those documents we were required to take on an additional $ XXXX in debt which was simply described to us as 'fees ' and we were not provided with details on those fees. When I attempted to get documentation, they said " sign or your home will be sold ''. My complaint is that 1 ) we were never provided details on what expenses we were taking on ( although we repeatedly asked ) 2 ) We were not provided adequate time to consult with an attorney 3 ) We were bullied into signing & taking on debt or we would lose our home 4 ) Wells Fargo intentionally created the 'just in time ' event by refusing to handle our loan modification request until it was 3 days prior to sale.
I disputed XXXX XXXX multiple times with XXXX and Experian I do NOT have a written contract with them for any debt collection. I asked multiple times I needed validation of debt with my WRITTEN SIGNATURE of the contract with XXXX they have failed to provide that information. Per LAW I am required to have that type of validation and that has NOT been sent to me. Bills and statement do not constitute a debt validation. XXXX has already removed the information and the other 2 major bureaus have not. They are hindering me from purchasing a home.
I built a home in XX/XX/XXXX to XX/XX/XXXX. I moved into my new in XX/XX/XXXX. XXXX home security came out throughout the community seeking new business in my community on XX/XX/XXXX. XXXX offered to pay any home owner 's activation fee if we used their home security system. I accepted the offer and they install the system the same day. On XX/XX/XXXX, my front door came open around XXXX which was frightening. 

I called XXXX the next morning and reported the incident and ask them to send someone out to check the equipment. They said that they were backup with calls and they could send someone out on XX/XX/XXXX, I told them fine, and they did not given me a time, just that they would be out on that day. On XX/XX/XXXX, I had some business to take care of and I told my sister that rep. from XXXX was coming out to check the equipment and watch what they do. After the rep check the equipment she notice the lock was not going into the door jam all the way, she took out her screw driver and gouged a deeper hold into my door jam, my sister had walk away and when she return, she could not believe what the rep had done. I called XXXX they said send photo, I did, they said they would cut below and above the damage area and glue it back together, I call to cancel my account. They said I had to go on line to cancel my account, I could not get into my account after I call to cancel my account. I filed a compliant with the federal Trade Commission and the XXXX. I have emails from the XXXX. XXXX sold the account to perfection collection and it showing on my credit as a collection.
OK so one I do not have any kind of mortgage Im not sure whats going on with that .two I am not on any public assistance and if I am I would like to know what that is because I have not seen any money from it leaving me quite broke on top of that I cant applying for a loan because theres something going on about some consumer XXXX. I just really want to know was going on here so I can apply for a loan so I get live comfortably. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA