WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was locked out of my Coinbase Account which funds still held within. Over a week later I 've still not managed to access my Account to purchase or withdraw anymore funds which I urgently need to do. I have tried to resolve directly with the company but still no luck. 

When logging in through the browser I get 'Sorry account temporarily disabled. Please contact support '. When trying through the app I get 'Error - Your account has been locked. Please visit Coinbase to resolve '. 

I think I was locked out because I entered my password incorrect too many times. I then tried to re-set the password but no luck as of yet.
there is a XXXX BP account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.
After Hurricane Irma, I received an automated email from my lender, RoundPoint Mortgage ( Account # XXXX ) regarding assistance for FEMA victims, of which I was one of, residing in Florida. I was told I could do one of two things. To take advantage of reduced payments, or no payments at all, I could pick the next three months and either pay it all back at the end of the three months, or they would have me sign a form to put the payments on the back end of the loan. I chose the latter option and instead of paying {$1200.00}, I 'd pay {$500.00} for the next three months. I received my bill at the end of  XX/XX/XXXX for XX/XX/XXXX, and it showed {$500.00}. I then received a letter stating that by doing what I did, they were going to contact all three credit bureaus and list my issue as a forbearance. That means I am going to get dinged on my credit. NOT GOOD. Today, I received an invoice for XX/XX/XXXX stating that I missed XX/XX/XXXX 's payment and they now want {$1200.00} for last month and {$1200.00} for this month. What they did with the {$500.00} I paid them in XX/XX/XXXXwas just apply it towards the principal as an " extra '' payment. I have written to the CEO, XXXX XXXX and have received no response. They were offering to help FEMA victims, but all they did was attempt to ruin my good name and credit and I want something done about this.
We have been making payments to performant agency since XXXX. We were told to make a payment plan and pay for 4 months in a row and then we would be released. We had to start over at least 3 times with the payment plan for various reason and also the IRS has taken XXXX income tax returns XXXX and XXXX which is not reflected in the balance. I want to know my correct balance including
An appraisal was performed on my home and appraisal report received and submitted to the Lender on XX/XX/XXXX, the report was submitted 'Subject to ', the lenders receipt of this appraisal report constitutes knowledge of the need for an appraisal completion report. The Lender then has three days to resdisclose the Appraisal Fee associated with the Appraisal completion report. The fee was not redisclosed within the time frame allowed and further, when a loan estimate was eventually redisclosed on XX/XX/XXXX for  a change in loan program and loan amount, the appraisal fee increase was n't redisclosed then either. A closing disclosure was supposed to go out on XX/XX/XXXX and we were told throughout the day by XXXX XXXX, US Banks Account Executive, that they were working on the clear to close and closing disclosure so that they would be ready to release the closing disclosure as soon as they received the clear to close, throughout the day I was continually told by XXXX that he was waiting for answers back from mangers to get my file pushed through, it was only at the end of the day XXXX admitted they would only be working on completing the Clear to close and the closing team for sending out a Closing Disclosure had already gone home for the day. The reason for the file taking so long to get clear to close was not given, however the next day when we were still waiting on a Closing Disclosure, I received instead another Loan Estimate, US Bank was attempting to redisclose the appraisal completion report fee on the Loan Estimate. This is out of compliance for redisclosing the fee as the point of knowledge was XX/XX/XXXX and the redisclosure was on XX/XX/XXXX, nearly two weeks later. Its clear to me the delay in issuing the clear to close was so that the loan would not be able to close as scheduled on XX/XX/XXXX and we would be unable to fund XX/XX/XXXX, by pushing out the closing disclosure by one day they manufactured for themselves a need to extend the lock which was set to expire on XX/XX/XXXX and subsequently a need to issue a change of circumstance to extend the lock, all to my detriment, at my expense. They included the Appraisal fee on the redisclosure which is in violation of the three day rule and from my point of view they manipulated my ability to close on time in order to do it. I had been very plain and communicative with US Bank, and XXXX XXXX in particular, that we needed to close by the XX/XX/XXXX and fund by the XX/XX/XXXX in order for me to be able to pay my contractors in time for work that was completed on my home, pushing my closing date out has a real, tangible, negative financial impact on me and sours my relationship with contractors that have performed admirably for me to complete work on my home, contractors I will likely want to eventually use again, so US Banks actions, in violation of TRID rules, have been detrimental to me in both real financial terms and in personal consequences.
Navient received two payments from my bank one on XX/XX/18 and one on XX/XX/18. They refunded one of the payments on XX/XX/18 but did not post my payment to my account. They say they never received the second payment, that my bank refused to pay it. I have sent copies of my bank statements and a letter from the bank confirming that both payments were sent and only one was refunded but they still refuse to post the payment to my account. I have sent this information numerous times to no avail.
I received paperwork stating that a lawsuit is going to be filed against me for a debt that I do owe on. The cover letter from the company states I need to contact them to resolve the situation more amicably. I did send an email with the draft of a settlement letter, and I will follow up by sending the letter via certified mail. I want to pay the debt ; this is one of the last ones I need to resolve. This letter is dated a few weeks after I received the first debt validation letter. 

I believe the company is using this as an intimidation tactic to collect money for the creditors it 's representing. I am willing to work with the company to resolve the debt, but I do feel that in this instance they 're in violation of the CFPB.
I was contacted by XXXX XXXX at XXXX XXXX XXXX advising they were trying to collect on a debt of mine prior to it going to garnishment status. XXXX XXXX stated what the debt was for my green XXXX that had gone back to the bank, and this was for remainder of debt. She advised I could make a lump payment and set up payment arrangements my debt would not continue to garnishment status. She advised that I needed to pay {$540.00}, and payment arrangements for {$220.00} monthly to keep debt out of garnishment. I advised XXXX XXXX I was off on XXXX XXXX XXXX at the time but would try to see if I could get money together. XXXX XXXX called back following week to inquire about payment. OnXX/XX/XXXXI authorization a payment of {$540.00} against my debt on XXXX She advised she would call back next month to finalize payment arrangements, as I might have a better idea when I would be back to work. Approximately 2-3 weeks later I received paperwork to go to court concerning debt. I called lawyer on lawsuit who advised that they have not received any money against debt. I gave her information, and she advised that they do not use outside collection agencies, and it was likely fraudulent. I contacted XXXX XXXX who said " it has n't even been 30 days, I do n't know why that would happen ''. She advised it may have possibly been because payment arrangement was n't finalized. She asked for lawyers name/number and advised she would call back. Received no call back, so called company back. XXXX advised XXXX XXXX was not in, and she would leave message for XXXX XXXX. She also advised that sometimes these companies do not know who collects for them. I called XXXX XXXX XXXX XXXX several times, in which I was told message would be forwarded to XXXX XXXX supervisor. Called several more times with no answer. Finally reached an associate XXXX on XXXX/XXXX/XXXX he advised I needed to talk to the payment department and transferred me. I called daily from that point on with no answer. I contacted my bank and advised I needed a dispute form. During that time I moved, and dispute form was misplaced. Bank sent letter advising dispute was closed. I contacted bank and asked for new dispute form and changed address on record. Did not receive new dispute form. Contacted bank again who advised that I needed to come in to branch to file complaint. Contacted bank to check on status of dispute. Bank advised too much time had passed and could no longer pursue claim. Payment was listed as going to XXXX client services in XXXX, GA. The phone number for XXXX XXXX XXXX XXXX was XXXX XXXX XXXX XXXX which is now disconnected.
I 'm pursuing a loan modification, submitting all information that is required when I receive a letter stating that a foreclosure date of XXXX XXXX, XXXX had been set. I did n't understand because I was told that my file was complete and was under review. How can a foreclosure date be set when my case is still under review. It seems like dual tracking is taking place. I 've done everything they 've asked and I just want an opportunity to save my children 's and my home.
I am writing in regard to the several attempts I have made to Transunion to remove the multiple inquiries that's showing on my report. I have sent certified letters ( XXXX & XXXX ) to Transunion with a copy of my ID and SS card and proof of my current residence. I advised also by phone that these are not recognizable inquiries and it is impacting my credit score. I also advised in a certified letter that there is a bankruptcy that is showing on my credit file that needs to be removed. I contacted the US bankruptcy court to ask them about a case that's showing on my Transunion and XXXX  report, I was advised by the clerk that they do not report information to the credit bureaus. I called back ( XXXX ) to advise that the information that you are reporting on my file is incorrect and needs to be removed. I received a letter in XXXX stating that my inquiries and Bankruptcy came back as verified. I sent another letter in XXXX asking them to please send me proof on the evidence they attained to verify if any of the information was indeed mine. I have yet to receive a validation from XXXX or Transunion.
I made a payment on XX/XX/XXXX on a loan which was disbursed on XX/XX/XXXX. This payment should have been applied 100 % to the principal of the loan, as I was essentially paying back an amount from the loan which was more than we needed. This was the second disbursement of my son 's student loan, and Nelnet applied most of it to principal, but applied {$270.00} to Interest. As it was repaid within 120 days of the disbursement of the loan, it should have all been applied to principal. I contacted Nelnet via chat support in mid XX/XX/XXXX to request that they correct this and apply the full payment to principal. I was told via chat that the payment was not applied fully to principal because it was more than 120 days from the loan 's disbursement ( the loan 's original disbursement was in XX/XX/XXXX ). I pointed out that the second half of the loan was disbursed in XX/XX/XXXX, well within the 120 days and was told that they would correct the issue. In early XX/XX/XXXX, I noticed that Nelnet still had not fixed this issue. I then contacted Nelnet via their 'contact us ' on their website to follow up and again request that they take care of this. I received an email requesting more information, which I supplied. I was contacted on XX/XX/XXXX stating that they would send a request for the payment to be allocated as requested, and that my request could take up to 5 business days. Checking today, they have still allocated {$220.00} of that payment to interest. I have received no further communication from Nelnet regarding this issue. I emailed them back this morning, again requesting that they fix this issue. Meanwhile, I am being charged interest on the full balance of the loan, when this should have been credited to the principal of the loan almost 2 months ago. I have also made several requests trying to find out how to pay down any of the principal on my loans, and these requests have been ignored. I filed a different complaint with you regarding that issue prior to noticing that they still have not credited my account as they should for this issue.
I got pre-approved for a conventional 30 year mortgage with Wells Fargo Bank in XXXX 2015. In XXXX 2015 my offer on a condo was accepted by the seller and I began the mortgage application process with Wells Fargo. The bank agreed that they could complete the loan process on the expedited schedule that the seller requested for the sale of the property. There were many delays during the first few weeks of the loan process, but XXXX XXXX XXXX, the mortgage banker, continued to assure me that she could get the loan done in time. Approximately 3 days before I was supposed to close on the property, XXXX XXXX called me and said that they could n't do the loan unless I paid another {$150.00} to file an exception, which she said would allow them to complete the loan and allow me to close by the end of the week. I felt that I had no choice but to pay another ( non-refundable ) fee, or I would lose out on the home I was planning to move into within a week. I had already paid {$490.00} for an appraisal and credit report that the bank ran for the loan application. Two days later I called XXXX XXXX to find out what time my closing would be the following day and was told that I could n't close, as my loan had n't been approved. I was informed that they would need at least 60 days to process my mortgage, and could never have done it in the shorter timeframe that they initially agreed to. She began to push me towards an XXXX loan as an alternative to a conventional loan, suggesting that they could get that completed sooner. An XXXX loan was not in my best interest and I told her several times that I wanted the conventional loan they had originally pre-approved me for. After an extension of several weeks, and with me calling the bank everyday to find out what was going on, I was told that they could n't do the conventional loan and that if I did n't want to switch to an XXXX loan, that it would be best for me to move onto another mortgage bank. I would be provided with any paperwork they had, but none of my money would be refunded. After struggling with the decision to walk away and lose out on a lot of money that I paid in good faith based on XXXX XXXX 's assurances that they could give me the conventional loan they had pre-approved me for, I switched to a different lender, who was able to process my conventional mortgage loan within 3 weeks.
I have a vehicle that was written off on my credit report in XX/XX/XXXX after it became delinquent in XX/XX/XXXX. It was financed/purchased XX/XX/XXXX.I called on XXXX/XXXX/XXXX to ask for an application to file lost title on the vehicle, as I have done on numerous occasions, since the finance company has indicated numerous times that they do not have a title for the car. Instead of sending me the application agreed upon they immediately went back and added the charge off again to my credit report as of XXXX/XXXX/XXXX. I just realized then that they have been re reporting the charge off every year. at least since XX/XX/XXXX that I can see on reports that I have. This charge off should be falling off my credit report next year, and they have resubmitted it, so that it will show for another 7 yrs. I want this charge off date to be put back to the original XX/XX/XXXX charge off date, as the information reported XXXX/XXXX/XXXX is very inaccurate. You can see from the attached XXXX and XXXX reportings on my credit report that Ally is reporting that I financed the car in XX/XX/XXXX and it was reported as delinquent in XX/XX/XXXX. I bought the car brand new in XX/XX/XXXX for about {$15000.00} at {$320.00} mo. I only had about 4 months left to pay on it when I could n't afford to pay, and it actually became delinquent in XX/XX/XXXX. So it is being mis-reported every year, and only because I called to try to get a title, which I still have not been successful in getting.
To whom it may concern ; I am filing a complaint on PNC Bank. 
On XX/XX/XXXX my mother notice that we had an online mobile deposit and she called pnc customer service to ask about this deposit and how does one do this only to find she did not have access for mobile deposit. My mother was told she would receive a letter explaining and asked for our accounts to be flagged for Fraud.

During this time we have not received any communication from any one at pnc bank.

ON XX/XX/XXXX, my mother called customer service asking for an updated on her fraud claim and the missing {$4000.00} Unfortunately she had spoken with XXXX XXXX who could not figure out what was fraud and keep saying it was an online transfer. 
Then he transferred me to XXXX in Check Fraud, who told me its not check fraud but it is online fraud, XXXX was in contact with someone named XXXX at a Branch in XXXX  OH and XXXX XXXX. The bank fought my mother over this claiming the money went into her account but someone hacked her account and took the money out. The issue has been ongoing for 6 weeks with broken promises from the bank to correct the issue and no call backs regarding updates on the problem. 
As of this moment we have been calling for several days and we have not had any follow up.
XXXX XXXX services appears to be aging my " debt '' by making payments or claiming that my wife and I are making payments on the account in which we do not have business with them.
My car payment is due in the XXXX of each month. It is financed with Coastal Credit LLC. Due to my pay schedules, I generally make my car payment around the XXXX of each month. The phone calls I understand as I am technically late. However they have repeatedly sent me unsecured text messages regarding my delinquency and I have asked them to cease contact attempts with me in this fashion. They have recently messaged me on XXXX regarding the delinquency as well. Unfortunately this was seen by several of course workers as I was not in a private location when this was seen. This happened on XXXX/XXXX/2016. I was contacted by XXXX CoastalCredit. Neither method of contact is considered secure and I feel is completely inappropriate.
I am a potential victim of the Equifax 2017 Cyber Security incident according to https : //www.equifaxsecurity2017.comXXXX. Furthermore, attempting to create an initial Fraud Alert on Equifax 's website ( https : //www.alerts.equifax.comXXXX ) results in an error.
I was advised that IC systems has reported a disputed bill to the credit bureaus without validating and adjusting the bill to the correct amount. 

In XX/XX/2018, I received a call from IC Systems on behalf of XXXX. I advised the rep that the bill was incorrect and needed to be adjusted to reflect the amounts paid for cellphones. I was told by the rep that she would look into it. However, the phone was disconnected and I heard nothing else from the company. 

On the evening of XX/XX/2018. I received a letter from XXXX, before I had a chance to respond, I received a phone call from IC Systems on XX/XX/2018 advising me that although the bill is inaccurate, it was reported to the credit bureaus. 

I asked why I hadnt heard anything else from them regarding my initial dispute or otherwise and was told that theyve called me but its against their company policy to leave a voicemail and that my dispute was not honored because they didnt receive it in writing. 

I advised the rep that I never received their contact information, not by letter or phone and was under the impression it was handled by XXXX since thats who Ive been working with since the last call I received in XX/XX/XXXX. I was told that it is my responsibility to get their information and to validate the debt. I proceeded by asking for an email address to send a complaint and follow up dispute and was guided to their website.
This debt was wrote off and paid. I have no contract with this company and do not owe this debt. I requested verification and received nothing
On XXXX XXXX, 2017 I awoke to an email from PayPal as a receipt for a purchase to XXXX the night prior to account XXXX, the issue was that this was a fraudulent charge placed on my account to which I contacted PayPal within 2 hours of the email being sent to notify them, and dispute the charges since this was clearly a fraudulent charge.
Four days later on XX/XX/XXXX I received an email from PayPal stating that they had attempted to withdraw money from my bank account for the fraudulent charge, but was denied, causing an overdraft to my bank account, only to once do the exact same thing again onXX/XX/XXXX causing the same reaction of another overdraft for the exact same fraudulent charge costing me {$63.00}, for a {$21.00} fraudulent charge.
Over a month later the company finally declared that I was not responsible for the fraudulent charge and reimbursed my PayPal account for the amount of the fraudulent charge, but after a number of attempts at contacting them, has failed to address their numerous actions of attempting to fraudulently withdraw funds from an account without the permission of the owner.
The moment I informed them onXX/XX/XXXX that the charges placed on my account were not made by myself, and an investigation had been started, the company should have taken the step to protect the customer from any further damage to their account or those connected to their services by not attempting to process the fraudulent charges though other accounts the customer has entrusted PayPal with. Instead of protecting the customer the company shows a direct lack of concern for the those that have entrusted them with their information, placing profit over consumer protection.
These actions are unacceptable and should not be allowed to be carried out by any company big or small. The reason as of why they even attempted and then continued to collect on a claim that had been declared fraudulent is beyond my understanding, but PayPal should be forced to answer for their actions, as I am sure I am not alone in having these activities occur to the accounts linked to their company.
The companys actions on XX/XX/XXXX transaction ID XXXX when they attempted to refund XXXX to my bank account displays that they were fully aware of their actions and the mistakes that had been made, through a lackluster cover-up.
Midwest Recovery system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in XXXX XXXX. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.
XX/XX/2008 attended XXXX XXXX but is now XXXX XXXX the student loan balance that is being placed on my credit is much higher than anticipated contacted XXXX XXXX  was informed the loans have sold out to various collection agencies have contacted several of these companies and their was no resolution solved these loans are really hurting my credit I cant purchase a home or anything I hope I can get some assistance with this situation
LVNV Funding is attempting to collect on an account from XXXX and the amount is incorrect. This company is currently being reported for indulging in malpractice and manipulating delinquency dates. The company has violated the FDCPA or the Fair Debt Practices Act.