WillisBack/dataset-financial-user-claim huggingface dataset:
On WED XXXX XXXX XXXX at XXXX XXXX, I initiated a transfer of XXXX ETH, then valued at {$840.00}, from my ETH Vault at Coinbase to my ETH Wallet. I received an email requesting my confirmation/approval of the transaction, which I gave. At that point, the transaction entered a " 48 hour '' waiting period. At the same time, had that transaction been conducted at the 49th hour of the initial withdrawal, the value at that time was about {$820.00} ( down {$14.00} ). If Coinbase maintains that I did not approve the transaction and have my identity verified until XXXX XXXX on THUR XX/XX/XXXX ( the date/time I received an " identity verified '' email from Coinbase ), then the value of the ETH Vault at that time was {$890.00} ( up {$55.00} ). On the XXXX of XXXX and on the XXXX of XXXX, after going through their abysmal Chat Bot and Support pages, I emailed Coinbase using their email function online to ask why my money is in limbo. I received a response in a separate bank transfer yesterday at XXXX XXXX  via email ( which I immediately withdrew back out of Coinbase and it is not " due '' to hit my bank until the XXXX of XXXX per Coinbase 's terms ), but NOTHING on this ETH Vault to ETH Wallet transfer yet. As it stands at XXXX XXXX on XX/XX/XXXX ( the date and time of my latest screenshot for proof - attached ), the transfer has still not been approved, and the " value '' now showing has dropped to {$590.00} for XXXX ETH, an artificial or forced loss of {$250.00}.
I got a letter from XXXX XXXX for a credit denial on a vehicle I never even looked at or applied for, at a dealer that is over an hour away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Standard XXXX XX/XX/XXXX XX/XX/XXXX/XXXX XXXX I never applied for this ever I do not recognize this and now I have a hard hit on my credit score and it has dropped by 30 points Also they misspelled my name so I am not sure they have my SS # with someone else and their information - because I have good credit no matter what it shows
This complaint is for Loan depot XX/XX/XXXX I received a call from a XXXX XXXX, a lending XXXX, asking me if I wanted to refinance. I informed XXXX that apparently my dept to income ratio is too high, as I was told by another refinance company, so I cant do it. He told me to send the documents about XXXX different income documents. He said that my debt to income was high, but If I could prove that I wasn't paying the mortgage for over a year he may can do it. Which I don't pay the mortgage my finance does, so I sent all his statements showing he payed it. XXXX was not the problem he was operating in good faith. I spoke with him several times from then to XX/XX/XXXX. 
I then got a call from XXXX XXXX around XX/XX/XXXX, stating he works at Loan Depot, I asked him why he was calling because I had just spoke with XXXX and he said he works with XXXX and was furthering the loan ahead, he made it seem as if he was the next step. He sounded shady and predatory. I questioned him why he couldn't just get the information from XXXX that he was requesting and he said that he would and called me back, stating he would be able to do this at an even better rate and financial option. He stated that he got everything needed to proceed from XXXX. I informed his as well as XXXX, not to order an appraisal unless he knew that I could do this loan, he stated that he would not order it unless everything was okay. I asked him how much the house needed to appraise at in order to be okay, he said around XXXX. He asked for {$18.00} to lock in a rate and to ensure that I would be forwarding the process with him. I got a message from a women named XXXX XXXX, asking for some additional signatures. XXXX proceeded to act like the debt to income and financial documents was enough to secure the loan. He orders an appraisal and then goes silent. I called him to ask about the rates again and he says we are having trouble getting the debt to income approved, and I again stated why you didn't have that approved before you ordered the appraisal. That was the first thing I told you to make sure of. The house appraised at $ XXXX so the amount shouldn't have had anything to do with it, He simply didn't do the math, of how much I make and how much I pay out. There were no new documents submitted to have changed that, he simply did whatever he could to push it through knowing darn well, he didn't do the math first. I don't event think he looked at the documents I previously sent XXXX. He just proceeded in bad faith. I would like my {$500.00} back for this appraisal they ordered for no reason.
Jonathan C. Frank & Associates identifies themselves as a law firm when they are just a debt collection company attempting to collect a past debt that was written off by the bank not only that they have called other members of my family stating they are a law firm with a case against me FRAUD this is a debt collection agency
XX/XX/XXXX, I received a phone call from XXXX XXXX from Worldwide Recoveries, asking for my address and threatened to take me to civil court for a debt I owed in XX/XX/XXXX.A also threatened to serve me with court papers at my job. I asked him to call me later because i was at work. he continue to be persistent on setting up a payment without the ability to provide me with details of this debt in writing. He could not mail me details pertaining to this " debt '' i owed and seemed to be in a rush to receive an agreement to settle. I told him I need to review with my lawyer and call him back. He demanded that I need to respond within a few days or I will be sued in civil court.
On or about XX/XX/XXXX, I realized that my checking account balance, which is always high, was not adding up. I saw checks being honored for large amounts that I did not write ; they were forged. I reviewed my statements going back and found a total of 66 checks, many for small amounts, that were not signed, not endorsed, illegible, or otherwise obviously not from me. I have been writing checks with this bank since XX/XX/XXXX. They were mostly written to " CASH. '' I went to the bank and filled out 66 Affidavits of Forgery. I was promised an investigation, and given a new account. A week later, I called. I was told the Affidavits were " misplaced. '' Finally I was contacted by an investigator who gave me a phone number to call and a case number. A few days later, I was contacted again by someone who did not give me her number. Over a week passed with no updates, and no refunds to my account ( this adds up to approximately {$10000.00} ). I called the number given and found that it does not work and does not give me the fraud department. I called my bank and was told they could not call the investigator but had to email her to get in contact me -- who knows how long that will be. I have been with this bank, as mentioned, since XX/XX/XXXX. I have lots of money with them. The bank grossly ignored banking regulations and the XXXX in honoring instruments that were defectively filled out and not written by me. Literally, they apparently would honor any check anyone stole from me and filled partially out.
I initiated an online money transfer with MoneyGram Online services on XXXX. The money was deducted from my bank account on XXXX. But the transaction was never processed by them. The normal time to process a transaction with MoneyGram is 1 to 3 days so I called on XXXX to inquire and was passed to XXXX different people. Finally I was transferred to " MoneyGram Escalated '' department. The young lady named XXXX refused to give me her title. She told me the problem was with my financial institution. When I said there was no problem there then she said she could n't tell me. She did offer a refund in 3-10 days which I found unacceptable since they had already had my money for 13 days. When I asked for a manager they told me there was n't one. When I asked what federal agency regulated them they told me they could n't tell me. I am mostly reporting this because I find it irregular and suspicious behavior and should be noted by consumers and the regulators.
I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate.
CashCall is an illegal payday loan. It is being sued in court. I am wondering should i still be repaying my loan if its illegal
Im with a debt consolidation company called XXXX XXXX relief, they are handling all of my accounts that I have submitted to them. One Main Financial is one of these accounts, One Main is calling my parents to contact me, I was told by XXXX debt relief to avoid all contact with my creditors and that they would handle it. Now, they are contacting my parents to locate me, and I gave One main financial the number to freedom debt to call, and they are still calling my parents harassing them to locate me.
I have tried SEVERAL times to cancel my account which is automatically charged to my credit card at {$24.00} a month. You can not cancel online and they will not answer the phone of you select cancel through the automated system over the phone. Hold times are often over an hour and sometimes several. I am yet to get them to answer at all. I'm canceling my credit card as this is the ONLY way I can get the charges to stop. This can not be legal.
I have never been able to access my credit report from any of the free sites. After filling out multiple forms and applications I have been repeatedly ignored. The buero has failed to send me any of my credit information even though I have requested it numerous times.
On XX/XX/XXXX 2006, I entered into a contract to buy a condo development which was under construction at The Residences XXXX. I gave a down payment of {$140000.00} which was 50 % of the purchase price. I made XXXX payments XX/XX/XXXX, 2006. All checks were made payable to Stewart Title Escrow. They were cashier 's checks XXXX. About 5 years ago I went to Stewart Title to try and get my down payment back but they would not give it to me. I am hoping that you can help me get me money back from Stewart Title.
On XXXX XXXX 2016, I had several fraudulent charges on my account XXXX includes XXXX of XXXX I received an alert, immediately called to resolve the issue.. Chase definitely agreed these charges were fraudulent.. on XXXX XXXX @ XXXX I get a reverse charge of # XXXX I immediately called the claims dept. First person I talked to stated They had called XXXX and XXXX said it was liget charge.. I called XXXX myself gave them my old card ( thank goodness still had it ) XXXX said yes this is fraudulent.. They immediately reverse the charge.. I had explain to XXXX what Chase told me, XXXX said they did n't give the number on card only name and email, that 's why it was not recognized XXXX accounts.. I called back Chase claims dept this time the agent gave me whole new reason, it was based on my spending habits.. WOW!! I was dumb founded.. it 's not about the amount, it 's about the behavior and principal here.. This is how my bank is reacting to fraud.. Not very happy.. please contact me XXXX 
Thank you, XXXX XXXX
In XXXX I had authorized Ocwen to automatically deduct from my XXXX account the amount of my mortgage on a monthly bases. through out XXXX Ocwen was deducting my mortgage from my bank account. In XXXX of XXXX I had to file for Ch.XXXX Bankruptcy but continued to pay my mortgage. Then in XXXX of XXXX, Ocwen stopped taking my mortgage from my bank account.
I first contacted Equifax in XX/XX/2018regarding the reporting of the XXXX XXXX XXXX XXXX. One that it is listed on my credit report twice with the same account number and second that this account belongs to a family member with a similar name and dob ( except for year born ). When Equifax responded that the account was verified as accurate, I asked them in writing to provide documentation of any signed contracts, who they spoke with and dates. Any information that would substantiate their proof of verification and so I can go back to the company. And also sent them verification of who I am so that they can verify signatures and dob.. When Equifax came back again stating it has been verified and still did not provide copies of any documentation used to verify this information or names of the person contacted it leaves me to believe they, Equifax is just sending out letters and not making any effort. As Equifax can see I am in the process of making payments on time, paying off bills, being more responsible and raising my credit score. It doesn't help if they are just processing complaints and sending out generic letters. Which in turn lowers my score the longer inaccurate information is listed on my credit report.
I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, Equifax, and XXXX. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remains when XXXX shows I do not owe them and the balance was resolved. XXXX die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.
The problem is with EXPERIANTo know my score I paid {$1.00}, that is how they get my debit card information and they have been charging from XX/XX/XXXX to present the monthly amount of {$19.00}. Could not make it stop. 

XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX $ XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00}
This company stated in response to my dispute on  XXXX  -2017 that t hey do n't have information for me in their system. I provided everything shown on my report as far as account number as again this company has not sent anything in the mail regarding this so called debt. I will not provide my social as using the partial account number and name should bring up something. Since they admitted they ca n't find me they need to remove from my credit reports.
XXXX .    XXXX  account that went to collection. I was getting a divorce and my wife did not pay the bill. I would like this removed from my credit report out of good will.    XXXX . I paid the bill  XXXX / XXXX / XXXX .
On XX/XX/XXXX, I order a product from a website, it say only XXXX for trying this product. I didn't notice there is a catch on this product for XXXX cost. on the email i got from this company see attached doc, it didn't say anything about additional charge. i call my credit card company and provide them with this email, my credit card company refuse to get this taking off my credit card. please assist.
Incorrect Address i never lived at XXXX XXXX XXXX XXXX XXXX XXXX Michigan it is the Address of my Son who has the same Name
I tried to modify my loan in late XXXX through XXXX XXXX, I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest. XXXX XXXX then since late XXXX has reported XXXX late payments both 30 days late. I have never paid my mortgage more than 30 days late, I did all trial payments on time, I have contacted XXXX XXXX regarding their error and they do not correct the problem, I have also disputed the account with all XXXX CRA but XXXX XXXX continues not fixing their error.
Commercial Acceptance Corp 's XXXX, PA office contacted multiple of my children. They were not party to the debt and it was disclosed to them that Commercial Acceptance was attempting to contact me. CAC has my correct phone number and I am having my mail forwarded, as I recently moved. The debt is associated with a medical charge and a dispute with my insurance company. I believe their actions were overly aggressive and not in conformance CFPB rules and regs.
On XX/XX/2016 I applied for a CitiBank credit card. On XX/XX/2106 I received a notice CitiBank was unable to complete my application because I have a security freeze on my credit history. 
When I had my credit freeze applied, part of the agreement was organizations I currently have a credit relationship with would not be affected. I currently have a credit card with CitiBank, so I have an existing credit relationship with them. Upon calling CitiBank, I was told they could not use old credit data to approve a new account. They can get new credit data anytime they want because of my existing credit card account. 

Rescinding the credit freeze involves considerable time and energy that I do not have. In addition, I would be required to pay to have the security freeze both turned off, and then back on again. According to the original agreement I have, this should n't be necessary. 
I called XXXX, the agency referred to by Citibank. None of the menu options apply to what I need, and as I 'm sure you 're aware, it is not possible to talk to a person at any of the credit reporting agencies to correct the problem. Further, the CitiBank representative I talked to would not allow me to escalate the complaint there. 
I ask that CFPB contact the affected organizations and require they abide by the Security Freeze agreement they entered into with me.
Before passing away, my Mother quitclaimed her property to me in XX/XX/XXXX. In early XX/XX/XXXX ; I began experiencing financial difficulties and the mortgage went into default. Over a period of one ( 1 ) year ; from XX/XX/XXXX to XX/XX/XXXX, I have repeatedly submitted loan modification applications to the loan servicer and I have always submitted the follow-up documentation timely ; with fax confirmations as proof. 
I have received a denial of all of these applications due to conflicting reasons as given by the servicer : 'insufficient documentation ' or 'no loss mitigation options available '. The last denial I received was on XX/XX/XXXX ; which I am currently appealing. As I await the results of my appeal ; the servicer has informed me that the foreclosure sale is still moving forward.
I tried to clear debt up to remove negative report on my credit. Approx.  XXXX  weeks ago I received a billing statement carecredit I called them to verify, they told me they could give me no info. because the account had been sold to   XXXX   I called p.r.a. they show that I paid off an account with them on in  XXXX  of   XXXX  . I make multiple calls to carecredit they refer me to   XXXX  . I do have an account with carecredit the account is closed but not delinquent. I need some type of verification from them that the account is not late/delinquent .They refuse to send me a letter stating that I am not behind on the payments as erroneously reported on my credit report. There are  XXXX  phone numbers that I am referred # 1 refers me to 2 #, # 2 refers me to # 3, #  3  refers me to # 4, then # 4 refers me to # 1 .On and on it goes. Each one assures me that the next # is the one that can help me. I  n  the mean time I am being negatively effected financially. Carecredit/Synchrony bank are the worst companies I have ever dealt with it is like an episode out off The Office.
There are several numbers used in this scam, but they all go back to a XXXX, which does not seem to exist, except as a XXXX. in XXXX and Georgia. The XXXX numbers I have been called from are XXXX, XXXX and XXXX, XXXX,XXXX, XXXX and the XXXX women that continuously harass me are XXXX and XXXX and XXXX. Between them, they probably call me 8 times a day. 
They claim that I owe a payday loan debt from 2011, in the amount of {$1300.00} through XXXX. I have NEVER taken out a payday loan, but they said all things lead back to me and my information, therefore I am responsible and I can not fight it, it 's too late. 
I told them i refused to pay and asked for a Debt Validation Notice or the documents with my signature. She informed me that they do not have that information and can not get it, that I should have received it from the original debtor. They never answer the phone with the name of the company, it 's always litigation or their name. I believe they are calling from cell phones! 
I asked them to never call again, they will not get a dime from me, she tried telling me they will send it for prosecution. Yet, they ca n't even explain why it took them XXXX years to finally contact me if I owed such a debt. TOTAL SCAM!!!
XXXX sent my medical bill to collection on XXXX XXXX2016 which is clearly a violation of the HIPPA law. At the time of the service I was covered under insurance which I called XXXX several times to inform them of my insurance information. This is affecting my credit report.
On XX/XX/XXXX I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named XXXX XXXX XXXX to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( SPS Servicing ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! XXXX XXXX XXXX has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( XXXX XXXX XXXX ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XX/XX/XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from XXXX XXXX XXXX and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).
This company ( Sequium Asset Solutions ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$210.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
This is about Experian. You should ask that right away. 
Someone is used my credit report, because these people at Experian 1 ) HAVE THE WRONG PERSONAL INFORMATION about me. I had to answer questions in order to be able to make a dispute online, and ever question I answered accurately. These idiots have a lot of questions and I am sure, absolutely sure, they have incorrect information, ex : I have not lived with anyone since 1986. Yet, they have roommates listed. 
I also have other issues with these people FURTHERMORE there is NO file number. This information is online. I am trying to make the dispute online, and CA N'T EVEN GET THAT FAR.
1. I do not recognize the following hard inquiries : XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX
On XXXX XXXX, 2015 I wrote a letter to Pinnacle Credit services , LLC requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from XXXX XXXX informing me that they now represent Pinnacle Credit services.