WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a wire transfer for {$12000.00} to my XXXX account on XXXX/XXXX/XXXX. XXXX is the exchange operated by Coinbase , Inc . The XXXX website states that " wire transfers submitted by XXXX PT may be credited to your account on the same business day. Otherwise, funds will be available after one business day. '' The sending bank has confirmed that the funds were received, however as of writing this 6 days later, I can not access the funds through my XXXX/Coinbase account, and Coinbase has been unresponsive to my multiple requests for updates/customer support. 

I have the federal reference number, sending/receiving account numbers and other information to ID the transaction if necessary. Apparently I am not the only one experiencing problems with Coinbase wire transactions, see this thread from their customer support forum : https : XXXX Thanks in advance for any help in resolving this issue.
Hi my is name XXXX XXXX. Im having some issues with my servicer Select Portfolio Servicing. Recently I have mailed in my for a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called SPS on XX/XX/XXXX at XXXX spoke with a representative asked them whats the status and they told me that they have received the complete Request for Mortgage Assistance packet and its under review but they also said that they will still continue with the foreclosure sale scheduled for XX/XX/XXXX. 

They will be violating my California Homeowners Bill of Rights Act if they proceed with the sale while having a complete full RMA packet.
They still are proceeding to sell my home. I have sent over to them a Complete RMA package and SPS even acknowledged that they have received a Full Complete RMA package. How is this possible that proceeded with a foreclosure of my home when they have a Full Complete RMA package?
I did not authorize this creditor to run my credit I have never heard of them nor request credit with them.

Creditor Name : SYNCB/GAP Inquiry Date : XX/XX/XXXX Removed By : XX/XX/XXXXType : National Credit Cards/Airlines
This account still reads as open on my credit report but I have closed it and have paid in full. Unfortunately I had financial hardship which caused this account to go into a negative standings but I have since than paid the outstanding balance off in full.
I received a call from ERC collections stating that my XXXX XXXX account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. ERC and I came to an agreement of {$1200.00} to settle the debt. I made sure ERC sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my XXXX XXXX account. I called XXXX. They confirmed my account was in collections, that they were waiting on ERC to finish their part and that it usually takes one to two billing cycles to be complete. This was in XXXX and XXXX. It is now XX/XX/XXXX and I 'm still getting letters from XXXX XXXX telling me I have past due payments. This account was settled on XX/XX/XXXX with ERC so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if XXXX has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and XXXX or ERC should be required to fix it.
Navient has recently taken over my loan that was not originally contracted with them. They have given false information on bringing my account up to date and had also been contacting a number out of service and never reached out to my secondary number when notified. I am still in school and was told if i made a forbearance payment of XXXX dollars my account would be up to date - now theyre telling me that the month of forebearance needs to be paid so i was delinquent. This has already affected my credit score once due to their neglEgence and i will not allow this to happen again. They are not even the company i had chosen to take the loan out with they bought the loans to my understanding and i do not like their customer service or the way they handle situations.
I contacted Check-n-go to extend my payment out to an additional week because I would n't have the money to pay my monthly payment on the scheduled day. The first person I spoke to was a male who assured me that he can extend my due date for another week. This was around the XX/XX/XXXX. I received a call from a woman that worked in the same office a few days later claiming that my due date was never changed and that the man that claimed to have changed it, could n't do that without me refinancing so she recommended that if I wanted to change my due date I would have to come in and refinance. So I went in on the XX/XX/XXXX to refinance but could n't because they had to wait for the payment that was already ACH from my account to return as paid or unpaid in order to refinance. She informed me that they could not debit or ACH my account again until they call me first. She also informed me to check back with her on XX/XX/XXXX and everything should be returned and situated by then. I returned on the XX/XX/XXXX only to find that someone had sent the payment back out. They violated their own policy when they sent the payment back out because they were supposed to contact me first and they did n't. They ended up terminating the man that assisted me and I received another overdraft fee but that was n't the real issue. the issue was that they violated their own policy and they made it seem as if it was n't a big issue at all but it was to me because I felt that I was being treated poorly and unfair. At that point I did n't want any part of their business. I am not saying that I should n't pay anything but I should n't have to pay what they expect me to.
After I submitted a dispute with Equifax, and they investigated, as is my right under FCRA rules, on XXXX XXXX, XXXX, I requested information on the investigation itself : Please see attached letter from me to Equifax for details. They ignored my request. So on XXXX XXXX, XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.
This complaint is in reference to complaint number XXXX which has been pending for quite awhile. For about a week this case has been remarked as follows, " Account information disputed by consumer, meets FCRA requirements. '' In the first place, it is absolutely false that it meets FCRA requirements and in the second, I was never notified about their conclusion. This account was originally bought by a debt collector called " XXXXXXXX XXXX XXXXXXXX. '' It has been bounced around, named as as an " educational '' debt when it is a false charge for rent and damages to an apartment that happened to be owned by XXXX XXXX University. It is between a landlord and an ex-tenant not a school and a student. It has been inflated by thousands of dollars and reaged by over 3 years. There is no way I am going to pay a dime on this account under these circumstances. As previously stated, I broke a lease, they charged me for 2 months rent on a {$700.00} per month apartment then they tacked on damages that absolutely never occurred. I offered to have a payment plan with them only on the condition that would release my transcripts and now it turned into this. The actions of XXXX XXXX XXXX are 100 % illegal and I will not work with them. They need to remove this account from my credit report or I WILL hire an attorney.
We filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a home mortgage with SLS as the servicer. No notice was filed with the bankruptcy court pursuant to XXXX indicating that there was any money owed on our second mortgage with SLS. No notices were filed in the entire case that indicated any fees were due. After requesting our payment history I found out that fees were charged on my account ostensibly related to the bankruptcy on XXXX XXXX, XXXX and XXXX XXXX, XXXX more than a month after our discharge. Neither fee was ever disclosed to us and we only learned of it when it showed up on our bill. This appears to be an improper collection of fees without providing the required notice.under the law.
I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted. Experian, XXXX and XXXX : XXXX XXXX X/2016 XXXX : XXXX XXXX XX/XX/2016 XXXX : XXXX XXXX XXXX-2016
Date Debt Occured : XX/XX/2012 NAME OF DEBT : Blakely-Witt & Associates AMOUNT OWED : {$4200.00} I was going through my credit report and I noticed this debt being deliquent, now I have tried to reach out to this company via phone and left numerous messages and I have not received any contact back. I looked their profile up via XXXX XXXX XXXX and they have a F Rating.

Now how does this pertain to me it does when their is thiss debt that I know for a fact is not the right amount, the apartment company that this Debt originates from is XXXX XXXX Apartments in XXXX Texas. And here is what should have been reported when I moved out of these apartments the property management at this time because I was late on my monthly rent by only {$800.00} and I told her that it would be nearly impossible to get this caught up being I was on a fixed income and this was mentioned to them at time of move in also. The Apartment Property Manager after a private meeting in her office told me that after speaking witht he owner of the properties I had two options to pay my {$800.00} rent this was deliquent or due to the circumstances that they would let me out of my lease being I had only a few months left at no additional cancellation fees. 

So I see this debt sitting at an expensive {$4200.00} I am disputing this charge because thats not what I was told I owed at time of move out from the property. This number is def. wrong is def. some fraudlaunt charges here. Now I have attempted many times to reach out to the company but they dont seem to care to reach back out in return.
On XX/XX/2018 I requested a payoff amount on my auto loan through Credit Acceptance Corp, in XXXX Michigan. They faxed it to me, I then worked w/ my hometown bank to get a lower interest rate. 

On XX/XX/XXXX my bank sent the requested amount ( attached is the check ) Credit Acceptance cashed the check on the XX/XX/XXXX of the month. I spoke to them on that date and they said there was a {$10.00} balance that they would just get rid of and close my account. 

I thought the matter was closed. 

On XX/XX/XXXX I received a " hit '' to my credit report, as did my husband, who is also on the account for the car. 

I called Credit Acceptance and they said there was a balance and I was late for the payment ( according to documents attached, my payment is due on the XX/XX/XXXX of the month. 

I told them I was told by them they were going to get rid of the {$10.00} and close the account, clearly they didn't do that. They agreed to the wipe of money but then I asked what about my credit hit I took. They stated it was a valid dock on my account because I was late. 

If that were the case, I would have given them the {$10.00} that moment, but I do not deserve such a hit to my credit nor does my husband. 

I am unable to help how quickly they cash a check, or receive by mail. My bank sent it in time.
I have dispute a tax lien multiple times with XXXX that do n't belong to me, they remove the tax lien multiple times and wait a long period of time then the tax lien is back on my credit file. I asked XXXX to validate the information they have n't.
XXXX County Wisconsin case numberXXXX After multiple delays from XXXX Law firm in XXXX, ( misplaced files, illegible records ) The judge ruled in favor of Plaintiffs motion for summary Judgement granted. 

I had no clue or knowledge of terminology or proceedings. I have receipts showing at least XXXX payments were made on a {$1500.00} Cash Store loan. Yet the Judge ruled that the Plaintiff judgement of {$2200.00} As of XXXX XXXX, 2016. Now XXXX XXXX Firm is adding fees, interest, penalties and garnishing my wages from USPS! Now they XXXX payment owed is {$2300.00} and the USPS wants to add on {$80.00} for garnishment fees. 

Help How to I get resolution on this matter and stop all the penalties fees and expenses and pay just what is owed to the Cash Store. Am I able to appeal this ruling? It is also going on my credit score. 

Thank You for legal referals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Quoting them, your first loan application, the data entry person hit the wrong key. I reapplied, the soft pull indicated that your credit report exceeded their pre-set limit of number allowed credit inquiries. No win circumstances. Next, it will be because of XXXX. XXXX ca n't win.
On XX/XX/XXXX I took out a payday loan in the amount of {$1000.00} with an interest rate of 645 %. Total amount of payments was {$3400.00}. 

On XX/XX/XXXX I took another loan in the {$1500.00} with an interest rate of 590 %. Total payments were {$4400.00}. 

On XX/XX/XXXX a payment was taken from my account a day earlier than I expected. As it was not my payday from work, the money was not in my account and an overdraft was caused. I was told I should check my payment schedule. 

As a few resident to the state of CT, I did not know that payday loans were illegal in the state of CT and lawmakers have been going after such practices due to their high fees.
I HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A DISABLE PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.
XXXX apartments is trying to collect an amount of money for maintenance and cleaning of the apartment and they sent me to collection with XXXX.without informing me on a timely manner. 
I understand they changed management, I was waiting to get my deposit returned because when I left the place I was informed that I would have to wait a while. I kept in touch with XXXX to check the status of my deposit. When I left the apartments I informed her of my new address and she documented it. Later, checking in with her I found out I was sent to collections. 
XXXX suggested to call the collection agency. I asked her why? She tried to help me but she said she did n't know. The collection agency was then the XXXX who informed me about the charges over the phone. I asked them to send it in writing. 
The apartment complex did n't provide with an accounting of the moneys deducted from the security deposit within 21 days per California civil code 1950.5. 
Regardless, my deposit well covers all the charges they are stipulating and I still have not get any money back. The manager told I should not be charged for the carpet cleaning since it was not clean when I moved in. I consider that the charges are grossly exaggerated.
Account # 's XXXX, XXXX, XXXX, and XXXXMidland Funding is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland Funding with supporting documentation and did not receive any response that addressed my concern, about the frivolous and inaccurate reporting of these debt collection accounts. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). Midland Funding is not my Creditor. I attached copies of credit reports directly from the Consumer Reporting Agency to substantiate where Midland did insert multiple credit to trade lines into my credit reports. This reporting is intentional and erroneous and serves to further damage my credit by providing false information. 

Midland - can not extend credit - and CAN NOT be a RETAIL credit grantor. These accounts are inserted into my credit record, as a Credit Grantor - and should not be. 

Midland 's blatant disregard for the FDCPA is intentional and should not be allowed. This is not a one-time instance however but a continuing practice of Midland Funding to systematically oppress those already disenfranchised. 
Midland is in violation of FDCPA 807. False or misleading representations [ 15 USC 1692e ; A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Knowingly reporting information as a creditor is a misrepresentation. 

Midland places the blame on the XXXX XXXX file that they send to the Consumer Reporting Agencies, however the Credit Reporting agencies confirmed after an investigation that it is in fact the information that is transmitted to them from the debt collection agency.
On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Following the 2017 XXXX data breach announcement, I initiated a credit freeze with all three credit reporting agencies. 

Experian responded with a written request and {$11.00}. 

I sent all the data and money they asked for. 

Experian failed to cash my check. 
Experian failed to freeze my credit report. 

I attempted to initiate a dispute, but they are having 'difficulties '. 

'' We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. '' Am I allowed to freeze my credit report with Experian? 
Are they allowed to ignore my request to freeze?
Equifax & XXXX credit reporting incorrect info. 
Claiming multiple Bank loans closed in Bankruptcy. 
Loans not closed and not in Bankruptcy. 
Multiple requests to remedy .... still not correct.
Due to an error of a 30 day late payment posted on my credit report on or about XX/XX/2018, I had endured several account closures and credit line decreases with Commenity Bank since that date. I noticed the error around XX/XX/2018 and I notified XXXX XXXX XXXX with the error and asked XXXX to remove the error. Then, I notified the credit bureaus and filed disputes in regards to the negative information and ultimately had the negative erroneous information removed successfully from my credit reports. However, Commenity Bank has continued to close and/or decrease credit and charge cards lines of credit using information provided while I was in active dispute of the 30 day late payment which was removed from my credit reports. 

This action of closing charge and credit cards is negatively affecting my credit reports and credit scores. At no fault of my own, I have been dealing with the consequences of an error made by a third party and suffering consequences as a direct result of the third party. I have never been over 30 days late for any payments on any accounts and I have never been with Commenity Bank. All of my accounts have had at least the minimum payments made on the due dates on all my accounts and I do not deserve my credit lines to closed or decreased when I am a good customer. Ignoring current credit scores and reports and using inaccurate information against me seems to be questionable on several levels. 
Were the credit bureaus required to send the corrections made to my accounts to my lenders?
In XXXX of XXXX I attempted to log into the VW Credit website to make a payment, setup automatic recurring payments, and update my contact information. For reasons I do not understand, VW Credit had disabled this functionality which was previously available through the online account management portal. Instead, the website said I needed to call if I wanted to make a payment. I called and got an automated recording that said that VW Credit was closed and I needed to try again during normal business hours. VW Credit did not allow me to leave a message. 

Later in XXXX, XXXX, I tried to call again during normal business hours and received a recording that stated VW Credit was closed for a company-wide meeting. Again, VW Credit did not allow me to leave a message. 

On XXXX XXXX I logged into the website and submitted a web form stating : " I used to have auto-pay setup and my bank changed my checking account numbers. I tried to set up auto-pay again and the website said to call. I tried to call during normal business hours and the recording said all employees were at a company-wide event. I want to get auto-pay setup and I would like all documentation of late payments expunged. XXXX XXXX Account Number : XXXXX XXXX XXXX '' Even though I indicated I had been having trouble reaching VW Credit by phone ( and VW Credit later stated they had XXXX the online access because they wanted to talk with me via phone ) and even though I provided the best phone number by which they could reach me, VW Credit declined to call me. On XXXX, XXXX at VW Credit stated VW Credit did not call in reply to my message because I did n't explicitly state that I wanted them to call me. 

When I submitted the web form it was because I had been unable to reach VW Credit by phone - after multiple attempts - and I was unable to make payments through their website. When I submitted the form I was not given any indication or expectation as to how they would be returning contact with me. I expected them to call me and that is why I provided my phone number in the web form. When submitting the web form I was not told, " Please check your messages on our website in a few days for a response. '' I was given no expectation as to how VW Credit would reply and I was n't even aware there was a " Message Center '' on their website where they could leave a message for me. As far as I knew, it was just yet another attempt by me to contact VW Credit that resulted in yet another dead-end. 

On XXXX XXXX, XXXX I received a call and voicemail from VW Credit which I returned within minutes. I spoke with someone who said that VW Credit was calling because my car payments were past due. The call eventually escalated to XXXX in the XXXX office who told me that my account was out for investigation and VW Credit went through extraordinary measures to reach me. This is extremely frustrating given these facts : It is not fair that VW Credit can disregard their responsibility to accept payment, refuse to be available to their customers or allow their customers to update their information, and then blame their customers for failure to pay and negatively affect their customers in this way.