WillisBack/dataset-financial-user-claim huggingface dataset:
On theXX/XX/XXXX I transferred funds to Coinbase ( a cryptocurrency exchange ) and my funds went in without any problem. I used those funds to buy some cryptocurrency and all was good. 

However now when I try to withdraw those funds the website Coinbase tells me my bank account is not verified and in order to verify it I must send at least XXXX euros to their bank account. 

I have done this 2 or 3 times now and still I can not withdraw my funds from Coinbase despite having tried to verify my bank account. I have since emailed Coinbase again on the XX/XX/XXXX and again on the XX/XX/XXXXand I still have not had a reply. 

I desperately need my bank account verified because as it stands it 's impossible for me now to withdraw my funds from Coinbase, they 're effectively holding my funds hostage by not replying to any of my support tickets. 

I have tried contacting them on XXXX and XXXX and they have not responded, this is my last option, I do n't know what else to do.
My mortgage was sold by XXXX XXXX XXXX to Bay View Loans. Shortly after, Bay View Loans reduced my loan payments. In XXXX they XXXX my mortgage payments saying my escrow account was low. I have owned my property since XXXX. I have always had a fixed rate loan and incorporated my tax and insurance into my payments, for this very reason! I am not in a financial position to handle such a dramatic fluctuation in my expenses. They claim to have under estimated my hazard insurance by about {$3500.00}. However, I have been with XXXX since XXXX and my hazard insurance only increased by {$29.00} this year! I am unable to pay this new amount and am in danger of losing my house! I believe my account was mishandled intentionally and I should not be held responsible for their mismanagement of my account.
My credit cards were stolen out of my wallet on XXXX XXXX, 2016. I called all of the credit card companies the same day to report the theft. And I called the policy and filed a report. Unfortunately, my cards had already been used to make fraudulent purchases by the time I reported them stolen and I made that clear to the credit card companies as well. All of the other credit card companies have removed the fraudulent balances and any additional charges because of the fraudulent charges except for Macy 's. Macy 's removed the fraudulent charge, but not the interest and penalties accrued as a result of the fraudulent charge and they continue to charge interest and penalties on the account. I have called Macy 's fraud department numerous times as well as sent them a copy of the policy report and yet they continue to call me every day to try to collect the debt as well as continue to add late fees and interest charges to the late fees and interest charges that were not removed from the account.
I checked my credit score on XXXX and it says that for my American Express credit card I have missed 12 payments, witch I 've never missed one. The card it 's closed already because on XXXX XXXX I made my last payment.. 
I had a balance of almost {$5000.00} in XXXX XXXX, could n't pay it off like they asked me to, so I call American Express and made a payment plan with them for 12 months of {$380.00} a month. I never missed a payment for this card and it shows on my credit repost that I missed all the 12 months payments.. I can prove that I never missed a payment because they discount automatically from my bank account every month. I open a dispute on XXXX to verify that, but nothing happen.. My credit still bad because of that..
I just got an update that I have a over due bill in collections from XXXX. I called XXXX as well as the collection agencies that work for XXXX ( XXXX ) to check if I had a past due balance. 
XXXX and the credit agencies confirmed that I do not owe any past due accounts and they have not reported me to the credit agencies. 
This information is erroneous. It will impact my business hence I would like to get it addressed ASAP or I would be forced to take legal action.
This is additional information to my complaint already submitted and this is pertinent information. I just set up 2 mortgage payments with Select Portfolio Servicing Company and was asked if I wanted to pay something towards the over {$600.00} fees. I was shocked and looked at my statement and advised XXXX ( rep ) that I see something on my statement that says " other charges and fees '' {$370.00}. I asked her what that charge was for and she said I was looking at XXXX statement and fees are now over {$600.00}. ( I ca n't remember exact amount. XXXX advised that each time someone does a drive by to check if my house is occupied, there is a fee. She stated if a home inspection was done, there is also a fee. I was shocked to think over {$300.00} is charged for something like this. First of all, NO home inspection was done. I have XXXX big dogs and people do n't come near my house, nor did I set up a " home inspection. '' Second of all, there is no reason for this company to think this property is n't occupied considering all of the correspondence between us. Someone please check into the fees I 'm being charged as I do NOT agree with this practice.
On XX/XX/XXXX, and again on XX/XX/XXXX, I received a letter from XXXX XXXX branch # XXXX, which is actually located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, but the letter was from XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX that claimed that I owe a debt to XXXX XXXX under account XXXX/XXXX. I do not have the debt they claim, since they tried to sue almost 2 years ago and was settled out of court over a year ago.
This company has called and has stated that they are law enforcement agents and that they will have me arrested. They have called my XXXX and has insulted me in many ways they call at all hours and have harassed my mom and saying to have her XXXX son call. This debt is not even legal the car was reposted and and taken by Santander Bank over 6 years ago. They even have stated that they are watching me and are going to come after me. They answer the phone by stating litigations and pass themselves off as attorneys and police officers and have threatened me.
these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX  XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late
In XX/XX/XXXX I was trying to buy a home, I had been monitoring my credit by paying memberships to all three credit bureaus, after monitoring my credit for over a year and paying nearly {$100.00} a month to these agencies and knowing where I stood with my credit scores, I decided to end these memberships, literally days after I had completed this, a debt appeared on my credit report that I hadn't seen before.

and the only reason I knew it was there was because I had applied for a home loan and was told my score was at a XXXX which last I checked was at XXXX- XXXX between the 3 bureaus. when I pulled my credit report I found that DIVERSIFIED CONSULTANTS, XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX ( XXXX ) XXXX, had filed on all 3 bureaus stating that I owed a debt to XXXX XXXX for {$75.00}. also stating the account was opened XX/XX/XXXX. I only receive local tv from off-air antenna and have not had any tv services for over 7 years. I have NEVER been contacted in any way shape or form by this company. after numerous phone calls diversified and XXXX XXXX  it was established that there was no debt owed and eventually it was removed. unfortunately my credit score did not recover so quickly. now my credit score is barely getting close to where it was before the first false claim, and they have once again submitted their false claim this time for {$65.00} on all 3 bureaus. this is a non existent debt and they are trying to extort money out of me by sabotaging my credit in order to get me to pay for a debt I do not owe. My home can not even receive satellite signal due to line of site issues so there would be no way I would even have able to subscribe to their service in order to owe XXXX XXXX anything.

This has to be illegal. I ask that that the CFPB assist me in having this company cease and desist immediately on these false and fraudulent debt. I have done other research and have found that I am not the only one this company has done this to.
Northstar Companies is attempting to collect a deficiency balance from XXXX. A representative, XXXX XXXX, somehow got a phone number to my ex-wife. He contacted her and said I listed her down as a reference on a loan. He also told her what company he was representing. I never listed her as a reference, so he found her number through other means and she XXXX the company and realized it is a debt collection company. That is none of her business. XXXX had all my contact information. There was no need to dig up a number from a person I have been divorced to for six years.
I regularly use Chase Bank 's ATM and Branch deposit services but today I decided to try out their Chase Mobile phone app to deposit a check. With all three services the wording is nearly identical on any disclaimers. Essentially " deposit by the cutoff time and your deposit will be processed that day. Funds will be made available within 24 hours. Any holds placed on the account can affect funds availability. '' With both ATM and XXXX deposits, courtesy funds are made available to the account until the checking funds come through. This is not mentioned anywhere on the deposit slips but has happened every time I have ever deposited via ATM or Branch over the course of several years. There is nothing to indicated when depositing a check through Mobile that it is different from ATM and Branch deposits and courtesy funds are NOT made available. In addition, if you should decide ( say because you are mad about the deception around courtesy funds ) to cancel the deposit, you 'll then learn that you can not cancel deposits placed via Mobile. Again nothing prior to placing the deposit via Mobile mentions these sharp differences between Mobile and ATM or Branch deposits. ( No courtesy funds, no ability to cancel deposits ). The only advice I received from speaking to Chase reps was to essentially present the check at another bank with faster processing which would then force cancel the Mobile deposit as a 2nd presentation. I feel there should be specific wording clarifying the differences between Chase Mobile Deposits and their ATM & Branch deposits. Namely that courtesy funds will NOT be available and it is NOT possible to cancel a deposit once initiated.
This account should be deleted. Company never sent item and charged me for the amount of a product never received.
Equifax removed an item off my credit report and reinserted back on there without notifying within 5 days of it being put back on the re. Prime Example  :  XXXX   XXXX  This item was put back on my credit report. This item was an account that was opened due to identity theft. Credit reporting agency has the copy of the police report. The copy stated that I was n't liable for it after i sent them the affidavit and police report, however, Equifax has taken it upon themselves to play judge and jury and reinserted this item. Please find that I 've included all supporting documents.       I 'm requesting a new investigation on the disputed re-insertion account : On  XXXX / XXXX / 17  I discovered  XXXX    XXXX   had been re-inserted into my credit file. You are required to notify me with in five ( 5 ) day s of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.       I plan to file a lawsuit against the creditor for re-inserting the item unde r the Fair Reporting Credit Act ( FRCA ).
They are collecting for a dept I dont owe We showed proof to CBSA solutions collections agent that the information they had was false they said they dont care I moved out of there clients apartment XXXX XXXX XXXX they the show a eviction notes said was had delivered to us from there client at so said address we were not even there at the address at that time we have moved to new address the XXXX XXXX XXXX falsified a collections we have proof we no longer lived there at said time and they said they dont care sue them.The XXXX has and is trying to charges for rent for XXXX XXXX when we showed proof we moved out before the time they said we owe for and that we even had power and turned off there and on at new place XXXX XXXX XXXX they said they dont care. 
They have statments my new land lord saying they new I was in new place on the XXXX XXXX they were here talking with us then I left to return the uhal from the move they sent all information to the address of the old place till the collection agent sent information to the address XXXX XXXX XXXX and prayer in XXXX XXXX XXXX sent me papers to my new address after the collection was processed. Still they said they dont care sue.them Then they Collection agency said they refuse to investigate on a dispute the problem. 
Then they said That my information I sent them is correct but they dont care. Still to this day I have been sent nothing by XXXX Tx housing housing or the collections agency. 
and or my deposit received nothing found out when are credit was ran from another company for credit on me and my wife 's credit shows this mater
I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " XXXX party agency '' for reporting to both Equifax and XXXX. My Equifax report from the time I opened the account has not reported properly. The balance goes up and down for no reason. Equifax is reporting only XXXX  months of good payments and they are separated by XXXX months of no status, which should also show good payments. The account has been in good standing for over XXXX XXXX and over XXXX XXXX of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my Equifax report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, XXXX/XXXX/XXXX, XXXX XXXX XXXX has confirmed that the balance shown my Equifax is again, incorrect according to their records. In addition, the " XXXX party agency '' that XXXX XXXX XXXX has hired, supposedly reports to XXXX. The account has never once shown up on my XXXX report. It has never reported to XXXX for over XXXX XXXX, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to XXXX as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.
i have home depot credit card, this credit card charge 26.99 % interest .is this legal .can they charge what ever interest they want. i cant charge what ever i want .please investigate this credit 26.99 %. this is highway rubbery.this is not right.where is consumer protection against loan shark.
Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX from any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), cert. granted, XXXX XXXX XXXX ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX, Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non  existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XX/XX/XXXX, therefore it did not exist to give me a loan in XX/XX/XXXX and did not give me a loan in XX/XX/XXXX. 4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check 21,  ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non  existing alleged loan has been liquidated on XX/XX/XXXX to unknown parties? see attached obtained from XXXX.
XXXX XXXX I discovered that I was a victim of identity fraud when a former girlfriend co-signed my name on a lease for an apartment, resulting in my name being submitted in collections owing over {$3000.00} from XXXX. This was also submitted onto my credit report. FCO, the collection agency has attempted to collect this false debt from me last summer. Shortly after discovering this, I disputed this along with submission of an affidavit with all relevant & requested paperwork with proof of identity & my residency at the time of incidence that this debt was not mine and that I was a victim of fraud. I mailed it via XXXX and per tracking, it was delivered to FCO on XXXX/XXXX/XXXX at XXXX. The fraud report was also submitted on https : //www.identitytheft.gov/ as well as disputed on my credit report ; however, due to FCO handling this XXXX the other XXXX disputes were not submitted. A couple weeks after the affidavit submission, I began calling FCO to follow-up on my case. Every person I spoke with was extremely difficult to communicate with, no one was straightforward. They all simply beat around the bush, kept putting me on hold and I got absolutely nowhere. Furthermore, no one could confirm nor deny that my affidavit was received, despite the delivery confirmation. I called back about XXXX2 weeks later and same story, same bush. I then told them to call me once something comes up. It is now XXXX and I just received a new invoice from FCO, yet again, attempting to collect the debt. I simply can not deal with calling this terrible thick-headed company again, as no one can help me. They ignore my submissions and only submit theirs. This is a false debt, it is not mine.
XX/XX/XXXX - The XXXX Account listed as in good standing still has an error. 
The payment inXX/XX/XXXX was never late, their system had a glitch in which they did not accept my XXXX XXXX payment ; and, instead told me that the payment was processed and accepted for well over a couple of weeks. This was not my fault. 

And I have mailed them similar complaints nearly monthly since last XXXX. 

XXXX - XXXX is an account on my file that had discrepancies just after it was opened in XX/XX/XXXX. 
This account was never even 30 days late, much less the 90 that is necessary to make it an adverse account. 
This account needs to be moved to good standing, because it always has been.
I made agree ment with XXXX XXXX in XXXX, nc I bought a house in another state, we agree that I will pay XXXX.rent and they will rent the apartment in XX/XX/XXXX, three months later I get a letter from a collection agency telling me I owe XXXX dollars 3 months of rent, the manager agree to the terms.that I can get out of lease, but I will not get my deposit back
My current mortgage serviced by Specialized Loan Service XXXX # XXXX ) recast or reset with payment increasing approximately {$2800.00} per month. I processed check payment and was {$200.00} short. Specialized Loan Service did not call me and leave a message or write to me that the loan payment was short. Instead, they reported a 30 day late payment which reduced my scores over XXXX points for my wife and I. Once my lender pulled credit, I called them and they refused to remove 30 day late. I have never been late ever on this loan
I inherited a condo and changed the title 8 years ago. The original loan was sold to XXXX and now to SPS Financial. I am authorized to pay bills and take care of this property, and every time the loan is sold, they will not allow me to correspond. I then email the papers showing the title has changed ( I always get their statements mailed to my house, but they do n't look in the file to see I own the property ). I sent the Ombudsman papers in XX/XX/XXXX and she said I would be authorized in 2 days. I called today to ask why their statement shows XXXX cents in other fees, and why the statement shows {$100.00} in the taxes and insurance column. The XXXX reps I talked with either put me on hold and then disconnected me, or would not give me information on the loan because the system did n't show me as authorized to talk with them. Here 's the problem : if I send in the payment of {$530.00} ( it is ALWAYS ON TIME ), they will charge me a late fee because I did n't include the XXXX cents. And if they keep this up every month I will accumulate late charges. I pay the taxes and insurance is thru the association, as it has been AS IT HAS BEEN DONE FOR 30 years. I have XXXX credit with a FICO score over XXXX, and why this loan is always sold to hard money lenders/servicer 's is to attempt foreclosure and steal my equity. I want to resolve this YESTERDAY AND DEAL WITH SOMEONE THAT HAS A BRAIN and not hang up on me.
I have disputed an account with XXXX XXXX XXXX, XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX and via mail XX/XX/XXXX to XXXX. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to XXXX by mail on XX/XX/XXXX. XXXX obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today XX/XX/XXXX via XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, XXXX is closed on XX/XX/XXXX so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.