WillisBack/dataset-financial-user-claim huggingface dataset:
The problem is a common one. It is with COINBASE. 
They state that deposited fund may be held for 3-5 days until they clear but mine are on hold for 30 days. 
I have made 4 different deposits for modest amounts of {$100.00} and while the first one was available in a few days. Every subsequent deposit is being held for 30.

Their reply at first was that it was for security reasons. Then it was because it was a bank transfer ( so was the first one ) and then it was a big from the roll out of new features. Then I was told that it was not a bug on their end and now it is because there may have been suspicious activity but that is now possible since they have held all the funds the whole time. 
The only activity was an initial {$25.00} transfer to XXXX to purchase some XRP. 
XXXX is replete with stories even worse than mine. All I wanted to know from them was why the hold was so long? I was told that it was exceptionally long and they were looking into it. 
My funds are still on hold but the 30 days are not up. 
Hardly the 3-5 days they promised.

Thay sounds like fraudulent advertising to take advantage of new clients to pilfer interest money to me. 
Please look into this company for the American public? 
Thank you!
On XX/XX/XXXX, I transfered XXXX, - from my bank account via my XXXX card to my Coinbase wallet. I did this two times ( = XXXX, - ). 

However, none of the two purchases arrived at my Coinbase wallet. 

To this date ( XX/XX/XXXX ), I tried to contact the Coinbase customer support 3x via the email form, as this is the only way to reach them. I only got automated responses, but nothing else! The money is still missing. 

I contacted my bank, but they were unable to help me, since the money was transferred correctly. 

You are my last hope! 
( Sorry for any spelling mistakes, I am from XXXX )
This is a follow up on a complaint I lodged against Nationwide Recovery Systems for violating the federal law and violating me. Review complaint I previously lodged and the complaint number is XXXX XXXX. How on earth can you have closed this case with everything still pending, they told you they were going to furnish me with a validation of debt which they never did. By law they have to furnish this information to me in 5 days of my request. My request for this information to Nationwide Recovery Systems was over a month and a half ago. They lied to you they lied to the credit bureaus when they re aged my debt. And not a single thing was done by them to remedy the situation. Why is it they are allowed to break Federal Law and not suffer severe fines and audits. This whole complaint process with you was worthless because not a single thing came out of it. How are you protecting me when you simply close the case the moment I took your advice and provided feedback. The feedback I gave you told you they did not comply with their promises, but yet you closed my case. I demand you re open this case and I demand The Federal Trade Commission severely fines them and audits them. I am at the point that I want to file a class action lawsuit against Nationwide Recovery Systems, because if they illegally re aged my debt than who only knows how many others they did this to. First of all they replied to you they were assigned the case in XX/XX/2018. They were not assigned the case they bought this made up debt from another debt collector for approximately XXXX dollars. And they told you they have to contact the creditor with the validation of debt so they can send it to me. That is another lie, when you buy old debt the debt validation comes with the purchase. The initial debt collector would have already furnished them the debt validation from the initial creditor the moment they purchased the bad debt. So by closing this case you are telling me yourself and the Federal Trade Commission it is ok for them to break Federal Law without serious repercussions. RE_OPEN THIS CASE
I have paid down these accounts :   XXXX   XXXX    XXXX   XXXX ,  XXXX  CREDIT CARD  XXXX ,  XXXX   XXXX   XXXX  '',
This is a formal complaint against Ditech for ignoring our requests to remove PMI and continuing to charge us PMI. 

On XX/XX/2018, we made a large payment to Ditech to reduce the principal for our mortgage far below the 80 % requirement for PMI. On XX/XX/XXXX, we called Ditech and asked for how we can formally request a cancellation of PMI. During the call, the representative told us to send an email requesting this. We sent them an email on XX/XX/XXXX requesting to cancel PMI. Ditech did not reply to this email. 

On XX/XX/XXXX, Ditech charged us {$150.00} for PMI. This appeared as a line item in our XXXX statement from Ditech. 

On XX/XX/XXXX, we called a second time asking how to cancel PMI, and Ditech told us to send an email. On XX/XX/XXXX, we sent a second email formally requesting to cancel PMI. Ditech never responded to this email either. 

When we received our XXXX statement, we did not see a line item for PMI, so we had believed it was canceled. However, in our XXXX statement, Ditech added TWO line items for PMI, one dated XX/XX/XXXX, and one dated XX/XX/XXXX. 

Per the Homeowner 's Protection Act, Ditech is federally required to allow us to cancel PMI upon request when our loan 's Loan-to-Value falls below 80 %. Ditech has not honored this request.
I work for a XXXX for XXXX XXXX. The XXXX for the XXXX and the XXXX XXXX. XXXX XXXX. I do not get overtime or benefits I barley get XXXX hours of work for two weeks. I barley make enough to pay anything. I am looking for a second job but I have triplets that are 3 and can not afford daycare. The issue is they called my work and spoke to one of our employees. SAID IT WAS FOR DEBT COLLECTION. I didn't get a message on my phone nor did I get text. or Email. This is harassment. I will lose my job and this is not anyone 's business but mine.
In XX/XX/XXXX/XX/XX/XXXX my mother XXXX XXXX XXXX XXXX pays my student loans automatically each month. I received a call regarding my loan from Navient stating I was months behind. I knew this was not possible since my mother pays this automatically. I immediately made a {$670.00} payment. Both of my mother 's payments were refunded to her. She has since made another {$480.00} payment to Navient on X/XX/17. Since this mix up with Navient and overpayments being sent back, wrong phone numbers, harassing phone calls to both myself and my mother 's cellphone Navient has placed a 90 day derogatory remark on my credit ( XXXX XXXX XXXX ) Both of us have tried numerous times to get this rectified to no avail. I would like this immediately removed from my credit report. Navient is threatening and continues to harass and give both of us incorrect information. This information has a negative impact on my current schooling.
I wanted to cancel my XXXX business card last year around XXXX XXXX, 2015. I had placed most of my overhead for my small business for two years on that card. I had accrued XXXX membership points for using the card. I was told on the phone by one of their employees that I could cancel the card and still use my membership points. After the card was cancelled I went in to use the points but there were none to be used. I called them back and they said that I had voluntarily given up my card and so forfeited my points. After a long conversation telling them I was given the wrong information, they told me they reinstated my card and that my points were back in place. When I tried to use my points, they were not there. I was told that I voluntarily cancelled my card so I forfeited my points. I only did that because of the information they gave me on the phone. They have consistently told me that they value my business, but if they would listen to the conversations they recorded they would hear that I was given misinformation. Why would I cancel my card with that many points only to reinstate it again within 24 hours or so just to lose that many points? I just want the points back to use and then cancel the card, which was my intention in the first place.
This Credit card company keeps calling after I have explained to them mulitple times that I am filing for XXXX and do not have any income at the moment. They have asked how I can afford a cell phone and asked why the person that is helping me out can not help with this debt ( he does n't have any extra money either. ) They unfortunately call from a unlisted number but every time I have answered it has been this bank ( commenity bank for XXXX or XXXX ) but when I ignore the call they will call repediately in a day with the calls being minutes apart. ( yesterday they called all day and some calls were 9 minutes apart ( XXXX17 )
XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XX/XX/2014 Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.
Several years ago I had an account with US Bank and the account was closed by the bank with a credit of XXXX and I did n't have a forwarding address and never received the money. I do not have a date of this closing.. other than it was probably 10 years ago?? I tried to find a claims for or return funds form and could find it.. It is hard to find what I need because it is very specific..
I, XXXX XXXX ( I was recently married so my maiden name is XXXX XXXX ) I received a letter about a pass due balance of {$300.00}. I spoke to a rep on XX/XX/XXXX and requested a settlement. The rep stated will need to get hospital to approve settlement and will call back once she find out results. The rep called me back XX/XX/XXXX and left a VM. I called the company back to respond to the VM on XX/XX/XXXX @ XXXX. The rep disclosed my account info prior to verifying who I was ( HIPPA violation ) and told me my balance due at this time is {$750.00}. I asked the rep where did that amount come from I was told a different amount. Rep stated I have more than one account in collections and attempted to collect a debt on an account that was included in my chp.XXXX bankruptcy. My bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX.I had to advise the rep I filed bankruptcy and any other bill should have been included in the bankruptcy. The rep looks over the account and came back and said I see the other accounts were included in the bankruptcy. I requested a supervisor, once the supervisor came on the phone I asked her why her rep is attempting to collect on a debt that was included in my bankruptcy? The supervisor stated the rep did not attempt to collect on a bankruptcy account and the rep was only collecting on the bal due in the amount of {$300.00} and if I filed bankruptcy, I never provided that info to them so the company was not aware of the bankruptcy. I advised the supervisor with the amount the rep stated is in collections and the full amount I owe which is {$750.00} and this was included in my bankruptcy. The supervisor stated well the rep is new and did n't pay attention to the account correctly but the balance due at this time is XXXX. I ended the call. I would like to file a compliant against this company this was a FDCPA and HIPPA violation.
XXXX XXXX XXXX is reporting to all 3 credit bureaus that I had a late payment inXX/XX/XXXX. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX. This inaccurate reporting is destroying my credit. I have called XXXX XXXX XXXX multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when XXXX XXXX XXXX sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that XXXX XXXX XXXX sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice. I am in the process of trying to purchase a home and the fact that XXXX XXXX XXXX is showing these loans as 90 days late inXX/XX/XXXX is inaccurate and is ultimately affecting me in a negative manner. I 'm asking that XXXX XXXX XXXX provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.
I have been called every day around XXXX about a cellular phone debt that I do not have. I never did any business with the phone company in question.
I printed out an offer from the Internet advertising " 21 Month Intro Offer on BT ( balance transfers ) and Purchases '' on a Citi Diamond Preferred Card. I called XXXX to apply. The telephone banking sales person confirmed it would be for 21 months, and that I would have four months to make any needed balance transfers. So I went through the entire application process and got approved quickly on the phone, but then she told me balance transfers would be for only 12 months instead of 21 months as originally stated. 

That is an outright BAIT AND SWITCH tactic. I have great credit and two other Citibank credit cards with never one late payment. Isn't this BAIT AND SWITCH illegal? 

XXXX XXXX, XXXX, CA
In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid $ XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take 60-90 days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days. Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.
I borrowed {$20000.00} on a Visa to pay my Mortgage, it was a secured loan against my house. When the HOA foreclosed, they sold my house at auction XXXX XXXX for {$50000.00}. My attorney told me the HOA assumed liability of the {$20000.00} XXXX Lien. I called the lawyers for HOA and they say they asked for payoff from the XXXX XXXX XXXX collecting for the {$20000.00} Visa but XXXX refuses to give the HOA atty. a payoff amount. I called the XXXX XXXX XXXX and XXXX who I had spoken to before, suddenly adopted a sing-song tone and answered " I ca n't give you legal advice. '' I asked again, I 'm not asking you for advice I 'm asking what is your intention, why are n't you giving the attorney for the HOA a payoff amount and demanding payment? XXXX repeated " I ca n't give you legal advice. '' On XXXX XXXX, XXXX I wrote a letter and mailed by US Post Office on XXXX XXXX with signature required which I am attaching the letter to XXXX instructing them to give payoff to the HOA attorney. I need your help so they will not do a charge off which will hurt my credit. It is on my credit report as a current debt of {$25000.00} for Visa CACH but as of XXXX XXXX, XXXX we passed the date of redemption when the Deed was transferred to XXXX XXXX on behalf of HOA and the HOA assumed that XXXX Lien. 

Please do not let Mandarich Law Group do a charge off and if you can help please force them to demand and not accept anything less than the whole {$25000.00} that was due. I am also attaching their XXXX XXXX, XXXX receipt to me for my last payment of {$50.00} to Mandarich Law Group CACH on XXXX XXXX, XXXX. 

On XXXX/XXXX/XXXX my application could not be accepted to rent an apartment based on my credit report which shows this as a current debt. In order to rent a place I need this debt removed to help restore my credit. 
Thank you for your help to protect my credit and I gave permission to publish for people in a similar position to know the consequences to your credit and if the collection agent refuses to cooperate, the Consumer Financial Protection Bureau is our Champion.
I originally filed a disputed on XXXX XXXX for not accurately reporting my acct to Equifax. Turns out I filed the complaint on the wrong intetity. Equifax shows my XXXX XXXX card open date to be XXXX XX/XX/XXXX and the most recent report from XXXX XXXX in XXXX XXXX, XX/XX/XXXX. That is 10 months of age of the account. Equifax is reporting my account to only be 7 months old and this is causing a lack of credit score increase, which is in turn preventing from getting our mortgage loan. I would like Equifax investigated for knowingly holding back the proper reporting of my accounts and are costing me time and money.
I tried to get all XXXX free annual credit reports online but was informed that the request could not be processed online. So, on XXXX/XXXX/15, I mailed my request using the completed paper form along with copies of the requested documentation to the XXXX Request Service in XXXX. I requested a report from all XXXX companies. I quickly received my free report in the mail from XXXX. But I never received my free reports nor any other communications from Experian and XXXX. I want those latter XXXX companies to send my free reports.
XXXX XXXX claimed they would be able to help with my student loans, they claim that they could take over my student loan payments, saying that they could lower my payments, and make them as low as {$45.00} per month. This all took place in XX/XX/XXXX. They then told me until my file was reviewed I would have to make a monthly payment of {$130.00} that was going towards my student loans. Every month on the XXXX, this was taken out of my account by automatic withdraw. I continued to make these payments until XX/XX/XXXX, when I came to find out that my file was still not reviewed and was not going to be reviewed anytime soon. Upon calling and making a request as to why it was not taken care of, I was given the run around and no answer was given. They also withdrew the funds earlier than what was agreed upon. I even tried to cancel the service, but I was unable to because of the run around I would get and all the processes I would have to go through to get it taken care of. This would lead to promises that my file was under review but as the next month came around it was still in the same spot as last month, and my student load debt was not going down any. I was finally able to end services in XX/XX/XXXX, but I received a letter shortly after that, from Navient Student Loan Services, saying that they hadn't received a payment from me. When I called them and explained the situation they said they had no record of XXXX XXXX contacting them to set up any kind of arrangements.
Markoff Law, a collection agency is contacting me about a debt from the city of XXXX that is A ) Past the statue of limitations and B ) was included in my bankruptcy. 

This is a very old debt from XX/XX/XXXX or XX/XX/XXXX. 

This company is attempting to collect a debt that is no longer legally collectible. 

I have worked had over the year so repair my credit and I do n't need some bottom feeder collection agency trying to strong arm me into paying a debt that is no longer owed with threats to place a negative entry on my credit report.
I purchased my townhome in 1999 and the loan servicing since changed hands to Litton and now to Ocwen. I received a letter from Ocwen stating that flood insurance is now required. Please note it is now 17 years later. 
I contacted the holder of the master insurance policy for the entire condominium property and they advised that there is no flood insurance on the property because only some portions of the property were in a flood zone, others were not. She further sent a document stating that my unit was not in a high-risk flood area. I sent this documentation to Ocwen. 
I received a letter from Ocwen stating that their research shows I am in a flood zone. I think they need to provide me this " research '' specifically the designation of my unit # XXXX as being in a zone in need of flood insurance. 
The response I received was from XXXX XXXX in the Ocwen Office XXXX XXXX XXXX XXXX. I am sending this complaint because I should n't be getting a demand for flood insurance 17 years after purchase. Furthermore, Ocwen was not my original servicer. This seems to me that the demand is outside of the original requirements for my mortgage since flood insurance was not a requirement to initiallyl establish the mortgage. I 've read where mortgage companies are praying on homeowners in this way because they 've receiving kickbacks for the flood insurance charges.
I took out a student loan XX/XX/2009, I was XXXX and my parents were not able to support me economically I lived in XXXX before moving to the US and the college I attended is located in XXXX XXXX XXXX, XXXX. The name of the institution was XXXX XXXX University and has been acquired recently by XXXX University. 

I feel it was and still is a predatory practice this institution is using, since it is targeting young XXXX students without evaluating if these kids can repay their debts. I was called by their recruiters several times until they convinced my father to take me there. I was not ready, and my father had no option, he had just lost his job. When I got there, classes had already started, and the recruiters did not care, they just wanted me to enroll even though I had missed some classes on my XXXX of college. I was not explained about the terms, interest rates, how much I was going to loan out or how much was a grant and how much was a loan. I would have preferred to come to the US in the first place, study in a community college and try hard to get a scholarship or even study in a state university in which I could save thousands of dollars. I am now stuck with $ XXXX in debt ( which is much higher than the average student debt ) and no college degree. 

What I feel is that these people are making money out of uninformed young kids so I strongly encourage you to start an investigation towards them because I know I am not the only one affected by this. I know there is a lot of people that studied there and they can not repay their debt. It is just unfair, I now work on the mortgage business and I know how important It is to inform consumers about the product they are applying for. 

As I mentioned before, I was just XXXX years old ; do you really think a XXXX year old kid can make a $ XXXX decision? I will not let my kids do that, that is for sure! It should be more regulated, I know people need education but if you can not afford it you should consider other options or opt for scholarships but do not stuck kids with lifelong debts, it is not fair. 

Any type of solution for this matter would be much appreciated. Thank you