WillisBack/dataset-financial-user-claim huggingface dataset:
I made a transfer of approximately {$40000.00} of the virtual currency Bitcoin Cash to Coinbase on XXXX XXXX, 2017. The transaction was confirmed at XXXX XXXX CST by the blockchain protocol, however, the funds were never credited by Coinbase. I made several attempts to find out the status of my funds, and why they were not being credited to me even though they were verified to have been received by Coinbase, and the only answer I get is " Your case has been escalated to the highest level and you will hear back from us shortly ''. 

It is now over a week later and still no response, I am still missing over {$40000.00} in funds, no minimal correspondence and no resolution. They even drop my calls when I call customer service and do not call me back. They hung up on me after I get connected with an agent more than once. I need access to my funds as it is unlawful and fraudulent to hold my funds with no explanation nor attempt to fix the problem. I have lost thousands in trading possibility as well as investing at times that would have profited me signinficantly. There have been damages in excess of {$100000.00}
Paypal account was hacked in XX/XX/2016, involved in several data breaches. Continuous problems since then.
These account don't belong to me and I want them removed from my report please. 
Creditor : XXXX XXXX XX/XX/XXXX Amount : {$1100.00} Creditor : XXXX XXXX XX/XX/XXXX Amount : {$230.00} Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$460.00} Creditor : XXXX XXXX Amount : {$230.00} Creditor : XXXX Amount : {$460.00} Creditor : XXXX Amount : {$490.00} Creditor : XXXX XXXX XXXX Amount : {$5000.00}
I was a victim of Hurricane XXXX. I live XXXX miles from the XXXX County, XXXX ( dead center hit of the storm ). I was out of work, quarantined in my home/neighborhood, then on a curfew, completely out of service -- phone, cell, electric, heat and gas for our cars was rationed. I did not receive bills or mail, could not pay bills which resulted in falling behind in my bills. I received a government mortgage modification and it took several years to get completely back on track financially. However, regardless of the struggles and attempts to communicate with Citizens Bank they were intent on repossessing my car. Furthermore, they lied about how the money, I was advised to wire to them, was going to be allocated. In XXXX 2017, I finished paying my car loan, every penny, however, I did not receive my title. I contacted Citizens Bank only to XXXX I still owed late fees even though I was advised, late fees were covered at the time of the wired payment to Citizens Bank. I was advised the wired funds I had sent were going to be applied to late payments, as well as, fees for the late payments. However, Citizens never applied funds to the late fees. I sent a letter explaining the same to Citizens requesting relief from these late fees incurred during the natural disaster, since the bank did not apply them as they advised they would. To date Citizens bank has not responded to my letter. I also attempted to call the headquarters and could not reach anyone in my call who could confirm my letter was received ; the name of the CEO at Citizen 's ; or the correct address of the headquarters. The representative was unable to tell me anything about the bank they worked for ( ( XXXX XXXX XXXX ; customer service ). My letter was sent to XXXX XXXX ; RBS Citizens Financial Group, XXXX Citizens XXXX, XXXX RI, XXXX. In my letter to Citizens I also requested the recorded phone tapes surrounding the reposition incident be examined to support what I was told and how I was treated. 

I am requesting Citizen 's Bank waive the late fees ; send me my title ; remove any negative marks from my credit report on and following XXXX -- Hurricane XXXX. Your help is requested in contacting them and achieving this thank you
I responded to an advertisement to get alarm system protection for my house at a promotion rate by company called XXXX. Few days after I got contacted by a company called XXXX stating they are the party that was hired by XXXX to install my service that was ordered from them. Obviously I contacted XXXX to make sure it is correct what they are telling me because I do not trust anyone to come in to my house. One week later they came in to install my security system and they spend 2.5 hours in my house and told me they need to come back to finish the installation and at that time they give me a paper for contract to sign and I refused to sign it at that time and told them I will sign the contract once the installation is finished and my system is ready to operate. This transaction happened in XX/XX/2016. Since then I have been contacting XXXX and XXXX to schedule a time to finish the installation. Both companies had given me so much run around which I told them I do not want to do business with them any longer and I hired someone to take all the wiring what they done and boxed them and put it in my garage and whatever the equipment they brought in originally which was in opened and was in box still sitting in my garage. I had received phone calls from XXXX requesting money for service that was not done and every time took me 20 to 45 minutes explaining that my security equipment was never installed and I have everything in the box to send back to them and all i need return authorization which i never received. About two weeks ago i got a collection call which followed up with a letter from a company called MCCARTHY, BURGES & WOLFF demanding {$970.00} from me. Immediately I requested a debt validation from them .Earlier today I received their validation paper which showed my signature on the contract that someone has forged my signature. The great part is I have the original and the copy of original contract that was never signed by me.
I contacted TransUnion about unauthorized credit inquiries form their own company at XXXX, CA XXXX, and asked them stop. Their response was that it might be a permissible purpose. From the list they provided, it was not permissible, and they no longer respond to any communications. It needs to stop, and they ( as a credit reporting company ) should not be allowed to make inquiries at random.
I transferred cell phone service from one provider to another. The new provider was to reimburse the money and can pay the outstanding balance to the previous provider. I made payment arrangements with XXXX and was paying the arrangements. After I made my last payment to XXXX, I started to get calls consistently from Diversified Consultants XXXX. They were rude, I explained to them I had no debt and had pay XXXX off. They told me I was lying and the debt needed to be paid. I even called XXXX and asked them to make this collection agency stop calling me.
I wired {$22000.00} to my Coinbase/XXXX  account on XX/XX/2018. I sent the funds before XXXX XXXX time, which means the funds should post to my account the same day. It has now been a month and my funds still havent appeared. I have made MULTIPLE phone calls to Coinbase/XXXX, I have also sent NUMEROUS emails as well to no avail. I am literally at my wits end because this isnt a small amount of money and there is no reason why my funds arent yet available. CFPB PLEASE HELP ME
My name is : XXXX XXXXLoan # XXXX XXXX XXXXAddress of Complaint : XXXX XXXX XXXX XXXX, XXXX.CA.XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. 

XXXX XXXX
I have tried for years to help TRANSUNION to report correct addresses on my file. I have sent numerous occasions via certified mail of copy of Driver 's License of both the former and current address as proof of residence addresses. To date, TRANSUNION refuses to comply! Please remove the following address from my Credit File at once : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Should be : Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
We went to a XXXX restaurant called XXXX located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/2018 because they ran a 50 % off deal on XXXX. But when we were ready to pay with the XXXX, XXXXXXXX XXXX manager, XXXX, told us the deal was fake and they would not honor it. We asked the manager who would run a deal for your restaurant on XXXX other than yourselves. XXXX did not answer my question and insisted we must pay full price. 

After we paid the bill in full, we contacted XXXX about the restaurant claimed XXXX ran a fake deal for the restaurant. XXXX assured us that XXXX had no incentives to run fake deals for any company. And in fact a merchant must contact XXXX first before XXXX would run a deal for them and get commissions. 

So at this point it was clear that XXXX ran a scam to get people into their restaurant thinking they would get 50 % off the bill but XXXX had no intention to honor the deal. Then I disputed this charge on my credit card which was issued by JP Morgan Chase because I did not receive goods or services as agreed. 

JP Morgan Chase completely ignored the problem XXXX ran a scam and insisted I must pay XXXX because XXXX provided service. I tried to explain the situation that XXXX ran a deal on XXXX but had no intention of honoring the deal to JP Morgan Chase 's representative. But my words were fell on deaf ears because the representative kept repeating " I understand but you need to pay the merchant. '' The representative had no understanding of Consumer Credit Protection Laws. 

My wife also complaint about this on XXXXXXXX XXXX XXXX page and XXXX 's response was " I'm very sorry for this situation. We talked to XXXX about a deal but decided not to run it. However there was a miscommunication and it was posted. This was our mistake. '' So I forwarded XXXX 's response to JP Morgan Chase as proof that XXXX did not run fake deals and proved the point XXXX did contact XXXX to run a deal. But JP Morgan Chase did not care and still asked me to pay full amount.
I filed bankruptcy in XX/XX/2016. I've worked hard paying everything on time since then. XXXX   and XXXX are reporting my credit accurately with scores over 715. Experian had me at XXXX. I've disputed this with experian and they only removed 1 thing from my report. My score is still too low to get any credit or even get on a lease for am apartment. I know they use different metrics but a 200 point difference isn't right. Experian needs to address this fairly. All my negative marks should be removed. That's what bankruptcy does
Elan Financial fraudulently opened a credit card account in my name. I made Elan Financial aware of this on XX/XX/2016, and an investigator has still not been assigned. No information has been forth coming from Elan Financial. Their records show return phone calls were made, but they were not, they are lying in their own records.
I have been targeted by Racketeering & Identity Theft Fraudsters who have stolen my exempted social security XXXX income at a XXXX XXXX Bank by Malicious Prosecution in violation of the FDCPA.
Capital One continues to report an account that I discharged in a Chapter XXXX bankruptcy XX/XX/2003 ( 13 years ago ). It is beyond the 7 year reporting allowed by the Fair Credit Reporting Act. The BK case number is XXXX XXXX XXXX District of California.
When i first signed up for the XXXX  Credit Card the Customer service rep. messed up and input the wrong social.Which i had problems to make a payments. I called the company and they fixed the social security issue but not the late payments issue which still appear in my report and is negativly impacting my score. After this i had submit a dispute to the creditor thru XXXX XXXX but didnt recive a feed back.
I was unemployed so I contacted Ocwen about an unemployment forbearance. I paid every one of my forbearance payments every month. After the forbearance period ended, Ocwen declared that I was 5 months behind on my regular payment amount, placing me in an impossible position and attempting to force me into foreclosure. They are demanding many thousands of dollars at once in order to " reinstate '' my account, which I had been paying my payments on every month until then.
To whom it may Concern : I am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,
This debt collector called Warner Asset locations called my previous place of employment and got the number to my new place of employment. The lied/misrepresented themselves and said they were calling to verify employment then asked to speak to me. When i talked to them the lady called herself XXXX XXXX, did not identify herself or the company. She wanted to verify my address and wanted my debit card to make a payment on a payday loan. I said i will not do it at this time because i am at work. I also told her she can not call me at work. She said well you are not answering your other phone. She threatened to serve me papers at my place of employment. She gave me her number to call her back at XXXX to call her the next day. Once i left work i called her again to reiterate that i do not want her calling my work anymore and also i was never given the opportunity to dispute the debt and that In XXXX payday loans are illegal. She said i lived in XXXX at the time of the loan. I said that is false and that I lived in XXXX my whole life and i have never been to XXXX. The loan company made up false XXXX address. 
I was never given notice of the right to refuse. The also illegally obtained information about my new place of employment by lying to my previous place of employment.
I have several duplicate hard inquiries on my credit report from XXXX that were supposed to be removed but they are still there and affecting my ability to close on a house in 30 days. I am not working with this mortgage company. They should not be allowed to make multiple inquiries. I never game them permission to make multiple inquiries. 
The inquiries are as follows on XXXX, Equifax , and XXXX XXXX, XXXX inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
I filed a compl aint ( Case n umber :  XXXX  ) and the debt collector agreed to cease the calls to my place of employment and yet they still keep calling from different numbers and they keep requesting copies of my credit report!!!
Duplicate payment was made for an auto loan. I contested this duplicate payment at local branch and 2 days later when using my debit card, it was declined twice. I learned from local branch account had been frozen. I did not request the account be frozen and was not informed account would be frozen. This resulted in late fees as well as fees associated with pending eviction due to debits posting during this time period. The branch referred me to a corporate number to request the account be unfrozen. The local branch manager acknowledged fault and agreed to reimburse my losses, however has since decided to not act as agreed and referred me to the fraud unit. There is no fraud. There is only misconduct of US Bank.
Wells Fargo XXXX XXXX XXXX XXXX CA 92071 XXXX and XXXX. They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

2. Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

3. In response to their claimed XXXX value, we have marketed the property at that price, as well as provided market comparables and a Contractors Bid. Wells Fargo 's response was to remove the file from their short sale department stating there was no offer at their " List Price '' We STILL do not have a copy of the XXXX XXXX. In the last 2 days we have been given XXXX different persons contact info and NO ONE will return our calls or emails. 

We can not get anyone at Wells Fargo who can talk to us informedly about this short sale. The house has been marketed since XX/XX/XXXX of this year starting at XXXX, far above their XXXX " list guidance '' price, and has failed. We recently received an offer at $ XXXX, and have submitted the offer along with market comparables and a Contractors Bid. Now, no one at Wells Fargo will speak to us at all. How can we move forward when no one will speak to us about this file?
I have the same company calling for both me and my husband and neither of us owe the debt.
indecome global services same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, ocwen, XXXX DEBET Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors XXXX and conspirators named indecomm global services, XXXX, OCWEN, XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, Gmac, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by indecomme global services prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure mill law XXXX Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. 
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX XXXX 's Motion to Dismiss in the case Consumer Financial Protection Bureau v. XXXX XXXX XXXX XXXX XXXX, XXXX, et al., No. XXXX, XXXX XXXX ( XXXX., XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund XXXX to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.
In XX/XX/2017 i send a certified letter to Amsher collectio for debt validation they recived the letter on XX/XX/2017 in my credit report show that Amsher collection was delete on XX/XX/2017 in XXXX but in XX/XX/2017 was reinserted in my credit report in XXXX and i didnt recived any notification in writen dont even from XXXX or Amsher collection that is a violation of the Fair debt collection practicies act and also violation of the Fair credit reporting act section 611 today XX/XX/2017 i dont recived any validation letter from Amsher collection they steel reporting negative information in my credit report XXXX know about the problem but they dont helpfull Amsher cant report any more negative information until they send validation of the debt like my certified letter said
On XXXX XXXX, 2015 I went online and entered the relevant information on XXXX to transfer XXXX {$500.00} to my sister 's account in XXXX. Up to today, XXXX XXXX, 2015, 23 days later, the funds have not been applied to the account and neither has it been returned to me. 
I sent the funds in time to arrive before XXXX XXXX to pay towards a mortgage that is in arrears. The non-payment of these funds has resulted in additional complications for the property that was placed on an auction list. Payment before XXXX XXXX ( when another mortgage payment came due ) was important in order to reduce the accrued debt to below 1 month. With the non-payment, an additional month has been placed on the outstanding amount removing the breathing room necessary to accumulate sufficient funds to bring it current. I am stressed, worried and presently scrambling to sell the property so as not to lose financially. 

I requested a refund on or about XXXX XXXX, with the aim of sending it through another money transfer system. They suggested that they would pay the fee to do this. Up to today I still have not received my refund. The last communication from XXXX which came in this week, XXXX saying that the funds were in the account but it is not. Just today the local XXXX affiliate/company contacted my sister asking what type of account does she have. She told them again and provided a screenshot of her account. 
XXXX 's service has been wholly unacceptable, unreliable and highly unfair to me, placing me into unnecessary difficulties. 

XXXX - XXXX XXXX XXXX XXXX XXXX
Portfolio Recovery is still reporting false information on my credit files and now, they started back making false claims about filing a Court Case against. If the want verify or validate the alleged debt, they do n't have anything to file against me in court because the debt is not mind
Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per XXXX This item XXXXXXXX XXXX XXXX XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per XXXX, and This item XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, Room XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my Transunion report as being filed on XX/XX/2017, on my XXXX  report as being filed on XX/XX/2017, and on my XXXX report as being filed on XX/XX/2017. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.