WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, I did a wire transfer of {$40000.00} to Coinbase from my checking account ending in XXXX. I was expecting it by next day but when I called their bank " XXXX XXXX XXXX '' that was in charge of all wire transfers for Coinbase about the transfer, they told me that due to a memo issue my funds will not be accepted and should be returned to my account within 3-5 business days. 

I call back a week after to XXXX XXXX XXXX  after noticing my funds has not been refunded yet. They told me that due to the influx of new users sending transfers from Coinbase that the wire deposits and refunds may be delayed. I can either send a recall message or just wait up to a month for the deposit to automatically be refunded to my account. Due to recall messages having a cost, I decided to just wait longer for my funds back. 

Fast forward to a few more weeks. It 's been a month already since I first wired the deposit and at this time I 've already sent out 2 support tickets, 4 emails, over 9 phone calls, and even go as far as to contact Coinbase through their twitter account, but no response. The only time they did responded to me was saying that the funds were refunded already but it was not. 

I decided to do a recall message from my bank " XXXX XXXX XXXX '' and called XXXX XXXX XXXX again after a few days to make sure that the recall message was sent. They told me that the message is received by Coinbase and just waiting for them to send me back the funds. It 's been a month already after the recall message and I still have not received my funds. 

So a total of 2 and a half months of wait time with no response from their phone support, no response from support ticket, no help from the one time they responded to me on email which 3 of the emails were ignored, I am still missing my {$40000.00} from Coinbase. I am very unhappy with how Coinbase is holding my funds for such a long time and this is the reason why I 'm filing the complaint.
I submitted a police report, XXXX XXXX XXXX and proof of my identity to Experian to Block Fraudulent Information reporting on my credit report pursuant to FCRA Section XXXX. Experian has REFUSED and FAILED to block this information and informed me via telephone that the creditors have " verified '' these accounts as mine. This is impossible! I would like this Fraudulent information Blocked from my credit report pursuant to federal law.
Central States has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Allied Interstate keeps contacting and harassing me via email and phone to collect a fraudulent debt. I 've already contacted their said client XXXX, XXXX and confirmed the fraudulent charge.
I recently pulled my credit reports after being denied credit and found several accounts that were not mine. I put a Fraud Alert on my credit report with the XXXX main credit reporting agencies. I then sent a letter to XXXX XXXX XXXX on XXXX XXXX, 2015 who are listed as collecting for XXXX. I requested proof that this accounts belongs to me and copies of any documents showing my signature where I agreed to pay this card. I have received NO response from XXXX XXXX XXXX. It has been well over 30 days now without a response. I am demanding proof of my signature on a contract saying I would be liable for this account. They can not continue to ignore my request, nor can they simply say that because someone with my name who got ahold of my SS # and opened an account under my name makes me responsible. I am demanding that they delete this incorrect account from my credit report with the XXXX big credit reporting agencies immediately.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company with their " free ID protection '' in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Transunion credit Bureau is reporting unverified accounts to my credit profile. This is in violation of Section 609 of the Fair Credit Reporting Act
Made a payment to my Old Navy account run by Synchrony Bank accidently through bill pay in the amount of {$1600.00} XXXX XXXX. Still do n't have it back. 

XXXX XXXX, I accidently made a payment through my online bill pay system at XXXX XXXX XXXX Old Navy in the amount of {$1600.00}. I had a XXXX balance with them since the card has not been used for sometime. Shortly after realizing I was missing additional funds from my account from making a payment to them and my original mortgage company I called XXXX XXXX to stop payment on the bill pay. They said they would n't be unable to as Old Navy has received my funds and I would need to work with them on the refund. Called Old Navy they said they would issue a check back to us. After several more calls. They said my account was closed and the fund are on their " general ledger ''. They would need proof the funds came from myself. Spoke with supervisor team multiple times. ( XXXX, XXXX, XXXX, XXXX ) Was requested to fax my bank statements and a letter over which was completed ( XXXX ). They said this was not enough, they requested I go directly to my bank and have a manager write a letter proving I made the payment. This was completed and faxed over as well, it included all dates amounts and account numbers. ( XXXX ) Still no payment was refunded. After several calls they stated the payments was made XXXX which no one could confirm. They said that they could not issue the check to me but would send it back to the bill pay servicer my bank used to pay them which was XXXX. 

Was transferred multiple times to XXXX and my own XXXX. They both stated that they see no payment made from Synchrony Bank. They continually asked for payment confirmation. After several calls to Synchrony Bank and being told payment was made, I had to continually ask for confirmation which no one has been able to provide. On top of this they closed the account and every time I called they required I conference in my wife which works during these business hours. Trying to add me as an authorized user was useless because they said my account was closed, which we never requested it be closed. Needless to say I have spent hour upon hours trying to get my money back that they accepted on a now closed account. 

Old Navy/Synchrony Bankacct # XXXXCustomer service line : XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) Case # numbers : XXXX / XXXX # XXXXMerchant Service Phone # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX
This is my 2th complaint about Wells Fargo. After my first complaint XXXX XXXX/XXXX/XXXX XXXX Wells Fargo has totally stopped working with me.First they said they they were looking into my concerns and should have some answers by XXXX/XXXX/XXXX, then they said by XXXX/XXXX/XXXX. Now they say they should have something by the XXXX. With a sale date not being moved or postponed from the XXXX/XXXX/XXXX??? 

While this is happening I receive a letter dated XXXX from Wells Fargo that said ; they are not moving forward on a review of mortgage assistance. But before I received a letter dated XXXX/XXXX/XXXX that they received the purchase offer from my agent and were moving forward with the review for the short sale, My agent and myself both contacted Wells Fargo and asked what was the problem ( was it with the agent or the new buyer ) and were told Wells Fargo will not say. 

After Wells Fargo received my original complaint I received a call from their XXXX XXXX XXXX XXXX and was told they were not going to work with me. This is not right!
XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. 
IT SHOW THAT MY NAME IS XXXX XXXX MY CORECT NAME IS XXXX XXXX XXXX PLEASE DELETE XXXX XXXX FROM MY PROFILE THANK YOU I am requesting that the item be deleted Enclosed are copies of MY ID XXXX XXXX   XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX
Applied to rent a home with XXXX XXXX and was denied due to evictionsreporting that should not be reporting on my credit file.
My mortgage has transferred ownership two times. It began with IndyMac and then was bought out by XXXX XXXX and then shortly thereafter, was bought out by OCWEN Loan Servicing , LLC . Currently my adjustable rate mortgage is serviced by OCWEN. I have never held escrow on any mortgage and have always paid my own property taxes and insurance with no default in payment. In XXXX of 2015 I was issued a statement saying that I owed {$3300.00} in escrow fees and my monthly payment would jump by nearly {$700.00}, in addition to a rate hike. I did not opt for an escrow account, they simply issued it to me without my consent. Both I and my insurance XXXX have submitted supporting documentation to them with current insurance and property tax accounts SEVERAL TIMES and they refuse to remove this charge of escrow from my statements, even after I wrote a letter to them telling them that I would not pay into escrow and would only pay principal and interest, as I always have. I do not want this to adversely effect my credit, which I am struggling already to improve so that I can refinance with a more ethical lender. They have imposed a financial hardship to me and I believe they have done so in attempt to force me to go into foreclosure, even though I have never fallen behind on my mortgage payments and I have about $ 200K in equity on my home. It has reached borderline harassment. They call me even though I have already made payment ( reflected in my bank account statements ) and tell me that I have missed payments. They need to be investigated and pay appropriate consequences for their blatant predatory lending practices.
I have done online deposits regularly from my wife 's bank account at XXXX XXXX into my bank account at Bank of America at no time was this ever more than a days hold. So as usual I made a deposit and wrote checks on that account to cover bills. Image my surprise when they held my funds from XXXX to XXXX XXXX even though it was taken out of my wife 's account on XXXX. During this time not only did I never have access to my XXXX deposit but the checks bounced and they happily took out XXXX every time to the tune of over {$200.00}. And now my accounts are messed up because of returned checks and bills are late. How could they possibly be allowed to do this ...
LOANCARE IS GUILTY OF EMBEZZLEMENT. 

OUR ESCROW FUNDS WERE STOLEN, WE WERE BILLED FOR THE THEFT AND THEY TRIED TO STEAL OUR HOME WITH AN INFLATED PAYMENT WE COULD NOT AFFORD. AFTER ILLEGALLY EMPTYING OUR ESCROW ACCOUNT LOANCARE CHANGED OUR PAYMENT FROM {$840.00} A MONTH TO OVER {$1400.00}. 

THEY NEVER MADE US AWARE OF THE THEFT OR THE CRIME BUT THIS 6 MONTH MISAPPROPRIATION OF FUNDS WAS CONFIRMED IN A PREVIOUS CFPB FILING BY XXXX XXXX AND XXXX EXECS. 

IN ADDITION THEY VIOLATED THE 45 DAY RULE BY NOT INFORMING US OF ESCROW FRAUD ON LOAN ORIGINATION AND ANOTHER 45 DAY VIOLATION BY NOT INFORMING US OF FORCED INSURANCE WE WERE BILLED FOR
After I opened the account in XXXX, I relocated to XXXX where they DO NOT have a payment in this state. I relayed my concerns and difficulty to the main office but they were not able to help me.
Urban Financial Of America in XXXX, XXXX was transfer my case after XXXX 2015. When there were problems with the XXXX XXXX office from XXXX, 2015. I applied for a Reverse Mortgage with this company. Informed them I had good credit however, my identity was stolen after I retired. I submitted every document to prove this horrible experience. Police report, letters, information from the XXXX credit bureaus, and correspondence from other companies to prove my fraud. This company has requested information over and over again. There are stacks and stacks of paperwork I have received from Urban Financial. I have been patient with this company since XX/XX/2015, but they are still stringing me along. I have been upfront with since Urban Financial, they contacted ME for my business. When I was looking for a reverse mortgage and guarantee this was not a problem and have me APPROVED in a few weeks. 
I am very frustrated with this company. Please help!!
ocwen loan servicing llc got my mortgage transferred fromXXXX XXXX .when ocwen sent my first statementthey added a {$2800.00} fee. my account should be reimburst for any and allfor any and all costs.
We paid off our home many years ago. Recently we applied for a home equity loan that we needed desperately and quickly. The loan officer called us and told us that while doing the title search, he found that our deed was n't cancelled back in 2000 when it was paid off by XXXX XXXX XXXX as we refinanced at that time with XXXX due to a lower interest rate. We paid XXXX XXXX XXXX off years ago and they cancelled the deed like they were supposed to. But our problem is the bank, Chase, before them. During the title search, he found a sheet of paper with handwriting similar to " Cancelled Deed XXXX & XXXX XXXX '' and a few numbers written on it and that was all. The Clerk of Court 's office blames the bank and the bank blames the Clerk of Court. We have been trying to get this straightened out for months and it 's costing us time and money. A few weeks ago we were told that it was in the mail but last week we were told that this was n't the case and were given names and numbers for us to call. It is Chase bank and XXXX number is XXXX XXXX at XXXX and XXXX XXXX at XXXX. We were given XXXX case numbers, XXXX and XXXX. We 've called and ca n't get in touch with anyone.We worked hard most of our lives and made all the payments until our home was completely paid for but now that we need to use it to borrow money for some unexpected expenses we are having problems. We have been working with the Clerk of Court 's office at XXXX and talking with XXXX XXXX and XXXX XXXX and attempting to get a loan from XXXX and the loan officer is XXXX XXXX XXXX. Thanks for your assistance in this matter. 
Would you please help us get this solved? Thanks.
I was charged an XXXX bill for XXXX in which this service was covered by my insurance and was covered in my plan and should not have resulted in a debt. I have been continuously contacted regarding this {$1800.00} bill.
I took out a short term payday loan with Speedy Cash. I authorized them to take one payment out of my account of XXXX on XX/XX/XXXX. Instead speedy cash sent an ACH withdrawal to my account that cleared and also charged my debit card. They took the additional XXXX that was not authorized causing multiple overdraft fees with my bank totaling XXXX. Also transaction checks were bounced because of speedy cash taking two payments out of my account that was not authorized. The payments I made to other merchants were charged NSF charges totaling XXXX in addition to late fees posting to my other accounts because of this error
I am getting daily calls from CBE Group. They always call from a XXXX number but the last four digits are always different. They never leave a voicemail. I 've received nothing via postal mail from this company so I do n't know what their supposed business is with me.
T J Maxx credit card. 
XXXX made a {$70.00} payment to TJ Maxx based on the statement which had the minimum payment of {$35.00} a month ( XXXX and XXXX ). Set up electronic payment to pay {$35.00} a month for XXXX months. According to the credit card company Synchrony the payment for XXXX should have been {$80.00} and they have been charging me late fees off that XXXX dollars since XXXX.
A compliant was filed on XXXX/XXXX/XXXX with this agency, # XXXX. Experian stated it would mail me a copy of my credit report. To date, I have NOT received the copy. This is the original compliant. I am a XXXX year old XXXX XXXX honorably discharged veteran. I applied for my annual free credit report and was DENIED. I was asked questions about financial situations that occurred in XXXX and XXXX. In addition, I was asked for the last XXXX numbers of my primary checking account. I have NOT written a check in decades. I do not have any checks, and that information is blocked on my online account. I was also asked about a bank card. What is a bank card? I have XXXX credit card, XXXX XXXX, XXXX Mortgage, XXXX, and a debit card.. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Experian needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, XXXX really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card, a mortgage and a debit card. The mortgage will be done soon. So I will only have a credit card and a debit card. This is crazy, NO debt is the goal.
33 pages were sent at one time including full bank statements Things ended with XXXX when house went to auction. 
So i went back to Wells Fargo and have talked a lot with XXXX XXXX. 
I got a call and did not get to it in time. 
I got a message from XXXX and XXXX Wells Fargo lawyer that i had to move by XX/XX/XXXX but no notice by mail. 
I am XXXX and can not just move in 2 weeks.

I need 30 to 45 days as i have to live on first floor. I want 2-3 bedrooms as my son is living with me as he has no job but looking.
Experian continuesto claim they have verified a XXXX account, XXXX XXXX from XXXX XXXX XXXX From XXXX, XXXX XXXX XXXX from XXXX and I sued these companies and have a legal settlement from both that they 've requested the accounts removed. Experian refuses to comply.
I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX Experian XXXX and XXXX but they refuse not to
ECMC was garnishing my check for 8 months with consent and still reported negatively on report and still does to date. School shut down without knowledge and embezzled millions from it students. I am a veteran and at the time was utilizing my GI bill and XXXX to pay for school and feel the collector to be fraudulently collecting and once told collections stoppeybut report from company continues.
Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below :
On XXXX XXXX, 2015 I applied for the XXXX XXXX XXXX card issues by BBVA Compass online. Within 2 hours of applying I received a phone call from BBVA compass to verify I did indeed apply for the credit card and answered verification questions about my identity. On XXXX XXXX, 2015 I received an email that I was approved for the credit card. I received the credit card on XXXX XXXX, 2015 and activated it without issue and used it a few times over that weekend of XXXX XXXX and XXXX. I tried to use it on XXXX XXXX and it was declined. The next day I phoned customer service and was told the card was suspended and was given XXXX different answers. I phoned later that week and wasted XXXX hours being on hold to only find out the information I was given by customer service was useless. Finally the XXXX week of XXXX 2015 I phoned in to discover the card was closed and received a letter on XXXX XXXX, 2015 that the card was closed per a request by me about fraudulent activity along with a declaration of fraudulent activity. Not once have I phoned BBVA compass about any fraudulent activity and never asked that the card be closed or my charges reversed. I in fact have paid for the all charges that were made to the card. I phoned customer service late last night and was given the number to their fraud department I phoned fraud last night was on hold for over 60 minutes before I was either hung up on or disconnected. I phoned again this morning and did speak to someone in fraud and was told she would phone me back and up till now I have not received any call back with a reason about the fraud request. I have phoned customer service and never once was given a straight answer as to why the card was suspended or even closed. I was simply told I would receive a letter which I finally have. However the letter does not even ask if I opened the card or indeed made the charges.
sent 2 certified letter on XX/XX/XXXX In-Transit, Delayed XX/XX/XXXX at XXXX XXXX In Transit to XXXX XXXXy On its way to XXXX, FL XXXX also a certified letter XXXX was delivered on XX/XX/XXXX the letter stated any correspondence to the letter should be in writing by a form of letter. sent to XXXX XXXX XXXX card. the repeatedly phone calls continued.. 

this is the email that I received today XX/XX/XXXX It's important that we get in touch today. 

Pay your past due balance on your XXXX XXXX XXXX account online or call XXXX for assistance. 


Your account is now being handled by Synchrony Bank. Please contact a representative today at XXXX to discuss your payment options. 

Account number ending in XXXX LOG IN AND PAY i did not receive the notification by mail in a form of letter.
The debt-collection agency, Commonwealth Financial Systems Inc., received my XXXX. XXXX certified - return receipt letter on XXXX XXXX, 2015, which was my dispute of their alleged debt and my direction to discontinue contact with me. I retain the postal return-receipt card, identifying Commonwealth 's receiving my certified mail on that date. Still, Commonwealth continues to call me and their most-recent call originated from their phone number XXXX at XXXX on XXXX XXXX, 2015.
To Whom It may Concern, I am writing this letter in regards to my XXXX   XXXX Account. 
The account that I had with XXXX has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.
This will be my last attempt at contacting Equifax about this account that keeps reporting on my credit report. I have sent 7 certified letters to Equifax showing PROOF that this particular account is NOT mine and you would think after their security breach which i was apart of and NOT happy about that they would take this matter seriously! But Equifax chooses not too. I want to know who is actually verifying this information? Because from the looks of it no one is! XXXX? It's obvious from the looks of all the incorrect information that XXXX is NOT a proper way of verifying a account. I have given Equifax a certified letter straight from the horses mouth that this account is NOT mine. As i said above this is my last attempt until i file small claims for this and will be awarded knowing this account you report is bogus.
Wrong Address reported : I do not nor have I ever resided at XXXX, NV XXXX.