WillisBack/dataset-financial-user-claim huggingface dataset:
I have filed a number of disputes with Equifax regarding erroneous information appearing on my credit report, specifically a " charged off '' balance of {$XXXX} from XXXX XXXX XXXX due to identity theft. Each time they have responded back with a resolution putting the information back on my credit report, simply stating that the company has verified my identity and correctness of the item and told me I need to contact the creditor, though the account number that Equifax has given me does not exist when I call the creditor, therefore I am in a Catch XXXX regarding this item.
Never received a Bill of Sale for the vehicle that was sold XXXX XXXX XXXX
Please refer to case # XXXX. I have applied on behalf of my aged ( XXXX yrs. old ), ill mother to have Chase Bank reduce the interest rate on her mortgage loan XX/XX/XXXX. She is currently paying 7.85 %. The she is retired and on a limited retirement income. The house needs a new roof as the current roof is over 50 yrs. old and is leaking causing water damage to the structure. She is trying to save money to replace it. We supplied Chase with all of the required documents but they have continued to " sand bag '' us by taking their time and requiring each month that we supply additional bank statements, proof of residence, etc. We recently sent a copy of a utility bill ( water bill ) showing that my mother lives at this property. They are refusing to use the document. This has been going on since XX/XX/XXXX, 4 months now. My mother is getting very upset over this. She has made every payment on time since loan inception, XX/XX/XXXX. We need assistance from the Consumer Financial Protection Bureau in getting an answer from Chase Bank.
On X/X/17 a Federal Benefit Credit ( Social Security ) for {$41000.00}, was deposited to my checking account at USBank. I went to the bank that day and spoke to XXXX XXXX who told me i would have to wait until XXXX to make sure it cleared? I didnt argue but I went back on XXXX to withdraw the full amount. XXXX XXXX told me he could only give me {$15000.00}, cash and would " order '' the rest and it would be Thursday XXXX before I could get my XXXX I made him give me a Cashiers Check for {$24000.00}, as I didnt want to leave the $ sitting in my account. I need the money now! I called him the morning of XXXX and asked him to contact the other 4 branches of USBank and get me the rest of my . He got nasty and said " I told you I wont have your $ until XXXX ''. I told him that was unacceptable and I need my $ now. We had words and he hung up on me! I called another branch and got the name of the " District Manager '' XXXX XXXX. I called him 3 times and left messages on voicemail XXXX. He still hasnt called me! This morning I called him and left message that I was filing a complaint with Consumer Finance.gov. Bottom line is they wont give me my funds. There is no excuse! PLEASE HELP ME! XXXX XXXX
I reside in XXXX, but can supply a U.S. mailing address for correspondence if required. 
On XXXX XXXX, I sent 2 international transfers from a XXXX bank account to Coinbase ( A U.S. Registered company ), using the required reference given by this company of XXXX. 
2 Remittances were sent that day for : XXXX GBP ( Equivalent of {$2000.00} USD ) XXXX GBP ( Equivalent of {$60.00} USD ). 

On XXXX XXXX, I received an e-mail from Coinbase to say they 'd had some delay processing funds received from their customers but that my XXXXGBP ( {$2000.00} ) received was now credited to my account with Coinbase, for purchasing of Crypto Currencies. 
There was no mention of the XXXXGBP ( {$60.00} ). Coinbase has never even confirmed receipt, although I can obtain a bank trace, if required. 

The funds of XXXX were not in the account as their e-mail stated and have not materialised since. 

I have tried calling their helpline, but am unable tto get through. After 30+ minutes of waiting, the line simply hangs up. I have sent several tickets to their online support system and have not had any meaningful response in almost a month and at this stage have given up expecting one. 

Since searching online, I understand I am not the only person who has suffered losses like this, there are many others who despite efforts, have been unable to reach Coinbase or receive monies that were in effect stolen after sending in good faith to Coinbase.

As the funds I sent via bank transfer using the reference they requested I use have both not materialised over 1 month after sending, I must report I have had these funds stolen and am now seeking legal help recovering in full - what is mine and not Coinbase 's.

I would appreciate the assistance of the Consumer Financial Protection Bureau in recovering the money I have had taken by Coinbase, without my permission, which is tantamount to theft.

Please reach me via e-mail - this is the best way to contact me when needed.
I'm requesting that the following accounts be blocked from my credit report, I have stated before that I have no knowledge of the accounts and nor was I provided any physical verification of such. If the credit reporting agencies can not fix this situation. I will file suit and sue. The accounts inwhich I'm referring to is XXXX  XXXX for the amounts of {$160.00}, {$140.00}, and {$110.00}
In XXXX, and XXXX, I suffered XXXX difficult pregnancies both cost me tens, of XXXX of dollars. In XXXX my child was involved in a XXXX car accident which required XXXX surgery. In XXXX, the last of my hardships, was when my transmission died and had to be replaced. I have tried to reach out to Flagstar Bank for help with a modification but they have been delaying the process on each and every occasion. I even had to file bankruptcy. For many months I have been desperately seeking a modification. I have received lots of expert help from several resources. To no avail each time I got a DENIED! Our home is now upside down. We requested to do a short sale but were told I ca n't apply for a short sale until my modification has been denied. They keep sending letters saying the application is INCOMPLETE! Not denied so NO SHORT SALE! This time My point of contact XXXX XXXX said my file was closed out in XXXX and that I requested the modification less than XXXX days before the foreclosure sales date ; this is not possible because I received a Incomplete Information Response Notice from Flagstar dated for XXXX XXXX, XXXX. I was never notified that my file was closed. I have been sending in my documents to Flagstar Bank for months. They just keep delaying my modification process so they can illegally foreclose on my home. To this day I have still never received any type of formal denial letter that stated when or why my modification request was denied. They said my file is closed and have scheduled my home for foreclosure in less than XXXX weeks 0n XXXX XXXX, XXXX. My point of contact XXXX XXXX told me nothing can be appealed. This is legal. I 'm so exhausted and too weak to continue this fight! Can you please help me to save my home?
When using the autopay option, Chase only allows me to pay either the full amount due on my card or the minimum due each month. I am trying to pay off the card, and by refusing to let me pay more than the minimum due each month using the autopay system, I feel Chase is forcing me to pay more interest than I should. Please require Chase to offer more autopay options. Thank you.
My husband and I wrote a letter to Trans Union on XXXX XXXX, asking them to investigate errors on our credit report. Nearly two months have passed, and we have yet to hear back from them. We do n't know whey they are taking so long to respond to our request.
I have been on the Pay As You Earn ( PAYE ) payment plan and the public service loan forgiveness program since graduating XXXX for my consolidated student loan with FedLoans. I have been on time with my payments. On XXXX XXXX, my payment was increased from {$100.00} to {$1800.00} as the paperwork to re-certify PAYE was not received by FedLoans. My account is on Direct Debit, and the payment of {$1800.00} was debited from my account. I can not afford this payment and think that FedLoans has taken advantage of my Direct Debit status as this payment would not have processed so quickly or automatically if I was not on Direct Debit. I was not aware of this payment increasing due to the poor communication system from Fedloans. 

My suggestion is that Fedloans needs to make the email subject line clearer. For example " PAYE expiring in 3 months '' rather than " Recertify your IDR plan today! '' as it was on the email they sent me. I am a very busy XXXX and interpreted this email notification as an issue that I had already addressed. Nor did I receive a direct email that said my payment was increasing to {$1800.00}. Most of the communications require you to go to the Fedloans website, log in, and download the communication. This is more steps than is necessary or we have time for as busy XXXX. It is unfair for the system to take advantage of a person who has been on time with payments and can enroll in Direct Debit. And for the system to allow people to " fall out '' of income driven payment plans due to subpar and unclear communications.
On XXXX XXXX an electronic payment was made to XXXX XXXX XXXX in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to XXXX XXXX XXXX asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.
I recently paid off a credit card that I had with Capital One. I noticed via my online account that the payoff amount was n't posting to my account even though it was withdrawn from my bank account the following day. It took over a week for Capital One to post my payment. Other payments in the past posted the following day. This one however did not show posted for six days. That was enough time for Capital One to then charge me XXXX dollars of interest, which I noticed today. When I asked for the 2nd time why they were holding the payment, which they had never done before, I was told they do that sometimes. I asked what are reasons for doing that sometimes and not all the time? I was not given an answer. 
The person kept repeating themselves as if they were a robot. The super- visor did waive the interest charge but would n't answer my questions as to why my payment could be held for an amount of days " sometimes '' and other times not. I feel that when payments are made to accounts to pay them off, they hold those funds and do n't post them to the account for a number of days so interest can be charged.
Additional documents related to CFPB case # : XXXX It appeared that XXXX charged-off this account, claimed a loss as tax cut, and sold the account to an agency named Alltran ( XXXX ). My recent payment to XXXX was returned, due to a change of payee. See attachment.
hello I 'm filing a complaint on company of citi a credit card company. three months back they gave me letter stating fraud took its place so they froze my account. the company wo n't activate my credit card and my account. 


so out of those three months I try to fix the problem butt the  workers in the manager who works for the company keep on giving me a run-around.I did n't contact the credit card company to use dear servicet they came to me.so now they want me to pay a credit card balance a balance that I did n't do. 
I answer all the security questions they ask me.and tell him I 'm dealing with another bank and they still wo n't activate my account.the company 's keep on telling me I 'm dealing with two agencies
I have been fight with the credit reporting agency for all three XXXX XXXX and XXXX for about 8 years i have been a victim of identity theft. they removed it once and then put if back on my report. i have filed police reports as well over and over again. there are 4 items. there is a new one and i called them and explained that i do n't know who they are i dont have any credit with them its a law office and they keep robo calling me and will not remove from my report and threatening to keeping adding it on my report .i all ready have a duplicate from them now. there 's a bankruptcy on my report that i never had
I am filing a complaint with your agency because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Now that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
I represent a family in Ohio whose mortgage was a XXXX mortgage, then owned by XXXX XXXX XXXX, and now Green Tree Servicing, LLC, or Ditech Financial, LLC. The mortgage was wrongfully foreclosed to begin with, but despite the Stipulated Entry between CFPB and Green Tree, Green Tree has made no effort to put a hold on the foreclosure proceedings, even though the family 's mortgage falls within the date range of affected mortgages. The family had a loan modification agreement with XXXX XXXX XXXX which they executed right before the mortgage was sold to Green Tree. Also prior to the mortgage being sold to Green Tree, the zone in which the house is located was re-zoned and the property taxes on the house increased significantly. The family entered in to an agreement with the County Treasurer to pay the taxes in ten installments. Despite their agreement with the Treasurer, XXXX XXXX XXXX stepped in without any prompting on the family 's part and paid the entire balance for the property taxes, rather than the smaller payment the family had originally contracted for. The money was added to the family 's escrow account and the monthly mortgage payment, too, increased significantly. Next thing the family knows, their mortgage is sold to Green Tree and their checks are being returned stating that the amount on the check is not enough to make a payment and the late fees started adding up at this point. This all occurred despite the fact that the County Treasurer sent a letter to Green Tree telling them of XXXX XXXX XXXX 's mistaken overpayment of the taxes. Eventually, Green Tree began foreclosure proceedings. This has gone on for the last eight months despite the Stipulated Entry between your agency and Green Tree. Green Tree 's lawyer is actually the person who relayed the Stipulated Entry to me, so it is obvious that they know that this exists. The problem we have right now as the end of the case nears as the trial date gets closer and closer, is enforcement. How can an Ohio Court enforce a Federal consent order? Green Tree knows that it is subject to the terms of the Agreed Entry, but has willfully chosen to proceed, rather than stay the foreclosure in order for my clients to go through an investigation and loss mitigation options, such as a loan modification, which they are currently completing the application for. However, if the mortgage is allowed to be foreclosed upon, it wo n't much matter whether or not they are approved for a loan modification.
I received an email notice from PNC that it had declined a payment request from XXXX XXXX XXXX in the amount of {$20.00}. This is a utility merchant with whom I had established a automatic payment. When I called PNC Visa, they informed me that new credit card info via a " XXXX Account updater '' had been given to XXXX. At this time, I, the cardholder did not yet have the updated card to activate. They blamed XXXX and transferred the call to it. XXXX blames PNC and said that it issued the new information to merchant even before I had the card. I called XXXX XXXX and verified that a new expiration date had automatically been given to them. I had to give them my current card info so they could charge the account. Now, I have to call XXXX back when I receive the " new card '' so I can reactivate automatic billing. There is something wrong with the PNC VISA process when Merchants have information before I receive and activate a card. I have no clue what other of my automatic charges may have this same issue before I receive the new card to activate. This is an unnecessary and time consuming issue. None of the customer service reps at XXXX or PNC had any way to solve the issue. 
Please help so other consumers do n't get caught up in this same unnecessary problem. Thank you.
On XX/XX/2018 my home was sold at XXXX County, XXXX  to a XXXX Real Estate Investor in which he was XXXX. Why did Round Point Mortgage sold my house to a XXXX investor? To make it look like there is no Discrimination and Retaliation? 

XXXX Investor name is Mr.XXXX XXXX, he has text me and email me to vacate my once owned home and he has already file with the court to put me out on the street of XXXX as a XXXX XXXX XXXX and with a XXXX  XXXX. 
My home was foreclosed and sold on XX/XX/2018 during a VA Loan Modification and Round Point Mortgage used their Law Firm to bully me and put the house for sale at the aunction. 
Round Point Mortgage and Mr.XXXX  XXXX never provide me any documents on my home sold on XX/XX/2018. 
Round Point Mortgage law firm did their research on the Appraisal Value inflated by XXXX XXXX and XXXX XXXX XXXX of Texas to make a profit in 2015. 

My VA Loan was corrupted, fraudalent and in a scandal and Round Point Mortgage had to quickly sell the my home to cover up the corruptions. 
I email the XXXX, Texas and XXXX XXXX about the VA Loan corruptions of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Round Point Mortgage. 
Does Mr.XXXX XXXX has a business partnership with Round Point Mortgage and their Law Firm? 
How much was my home sold and why I didn't get a restitution so I can find me a home to Nurse my XXXX XXXX.? 
I am not moving out of the house until I get a restitution for my new relocation to another state. 
I want a official letter from Round Point Mortgage Law firm in stating that no negatives will be displayed on my credit report with XXXX, XXXX  and XXXX and no debt of home will be recover as I had a Bankruptcy Chapter XXXX. 
I will release the keys and home once my request has been implemented and any restitution should be sent to Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.XXXX XXXX ' I will be moving to XXXX.
I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Bayview is refusing to release funds that I am owed from an escrow account. The home was sold and the loan was paid off, but Bayview has been unresponsive. Closing occurred in XX/XX/2018. Their customer service hangs up when I call and are difficult.
I was notified XX/XX/XXXX that my account had been frozen because the bank noticed a Security/data breach to my account. When I was able to contact them XX/XX/XXXX I was told they would only be able to unlock my debit card one time for an ATM withdrawl. I had informed them that in two days ( XX/XX/XXXX ) there would be a direct deposit from my employer that I would need access to in order to pay my rent, utilities, gas for transportation and food but that I needed access to the funds that were currently in the account in order to put gas in my car so I could drive home from work, 40miles away. They did unlock the debit card that evening then locked it down again. On XX/XX/XXXX the direct deposit from my employer credited the account as I had told them. I called again and was denied access to my debit card. I was then told I would be able to do an electronic transfer of funds to an outside account, but when I attempted to do so, I was not able to. When I called again they said they were mistaken and I would not be able to transfer funds after all. I then demanded a check immediately be expedited to me to be in my hands no later than XXXX XX/XX/XXXX. To which their response was I would get a check only AFTER they had completed closure of my account and that could take up to two weeks!!! 
This is n't THEIR MONEY ... ITS MINE! I earned it, I trusted them to keep it safe and they messed up and now they 're holding MY MONEY hostage! 
I ca n't wait two weeks to eat, to have gas to get to work every day, to pay my rent or my utilities! That 's not acceptable at all, not in any way, shape or form! 
We 're not talking about " extra cash '' someone may have lying around, this is EVERYTHING I have! My ONLY source of income! My only means for paying my everyday living expenses and they can only say : " Sorry for the inconvenience ''!? I 'm furious! I 'm beyond words with how angry, disappointed, violated..I feel!
I owed XXXX medical bills in the amount of {$94.00} each for my XXXX sons in XX/XX/XXXX. My sons had medicaid at the time of service. The hospital submitted the bills to medicaid for billing. The hospital claims there was a billing error and they were billed incorrectly. I NEVER received notification of this nor did I receive notice when it was taken over by a debt collector. When I pulled my credit XX/XX/XXXX I saw they were now on my credit. I disputed them. They took it off of XXXX of my credit reports but not XXXX other. I called them directly, L.J. Ross and Associates, and they were absolutely rude. Told me too bad, if I had insurance that I would have to pay them myself now because I had over a year to take care of it. I contacted my caseworker at DHS and filed appeals to get it paid, I contacted Medicaid and filed a complaint to get it paid. Finally I called L.J. Ross personally and tried to pay it myself and they told me I could n't because I had disputed it. So now these bills are stuck on my credit and I can do NOTHING about it??? How is that fair? Also, I finally got a call from Medicaid and they indicated that, because it was a billing error, I AM NOT LIABLE FOR THESE DEBTS. I requested that in writing. I then faxed the letter to L.J. Ross and later called to follow up. The lady I talked to kept interrupting me and telling me she already knew what I wanted ...? Her name was XXXX and she was very rude and agressive. She told me that until the hospital told them it was paid they do n't have to take it off my credit whether I 'm liable or not. I asked her how this was legal and she told me it was because I had plenty of time to dipute it ... which I did and it solved nothing. 

My point is how can something I am not liable for be reported to my credit? How is the hospital 's error now my fault? Why does the collection agency, L.J. Ross and Associates, not have a duty to remove items that are reported incorrectly?