WillisBack/dataset-financial-user-claim huggingface dataset:
Coinbase closed my account immediately after only two transactions, claiming that I was using my account for purposes not sanctioned by their company 's bylaws. This company deals exclusively with virtual currencies, such as Bitcoin and Ethereum and charge additional fees on top of every transaction you perform and have been known to swindle customers out of vast amounts of money for no apparent reason whatsoever. These customers are only given the option to remove all virtual currencies from their accounts within 30 days or else they will permanently freeze your funds so that they can never be accessed again. In my specific e-mail I was told that I was using my account for purchases or transactions that were " illegal '' when I used my bitcoin to purchase a collectible decoration from overseas and using bitcoin was easier to use than to perform a wire transfer and cost less money to do so. Because I had a problem with the product I received, I could not refund the item because refunds had to be made to the same Bitcoin wallet address that funded the transaction and therefore I am now stuck with a broken product and no way of recouping expenses.
The problem is trying to get my PMI insurance removed from my loan payment. My loan is currently controlled by PNC Bank. My loan has reached 78 % of the appraisal value of my home and PNC Bank wants me to have the property appraised again by their appraiser from XXXX XXXX, in which PNC owns. Not to mention this sounds unethical, but according to document : Notice Concerning Private Mortgage Insurance-Fixed Rate Mortgages, that is in my loan packet it states the original appraisal value of the home at the time of the loan consummation shall be used to determine when PMI will be removed from the loan. They also stated in the first two conversations that my PMI would not be removed until XX/XX/2021 no matter what percentage of my loan I paid off that it was date set. According to what I have read from my loan paperwork and the Homeowner 's Protection Act this has to be a violation ( fraud ) of my mortgage contract that was originated by XXXX XXXX XXXX XXXX. We have never been late on a payment and almost every payment we pay additional on the principal, that's how we've already reached the 78 % value, you would think PNC Bank would be willing to reward its customers that have good records and work with them on such issues as this, but apparently that's not the case.
I have contacted all 3 credit reporting agencies about a debt on my account that is not mine. I have disputed this item and the credit bureaus have not properly looked into this issue. XXXX XXXX is collecting a debt from XXXX XXXX in which XXXX  XXXX does not have an application for this debt. I am asking that this debt is removed from my credit report because this debt is not mine nor can XXXX  XXXX definitively say that the debt belongs to me without a signed application. The burden of proof is not on the consumer to prove that the debt is not theirs. The burden of proof belongs to the creditor to prove that I contractually owe a debt and they can not do that. Please remove this debt from my credit report because you are violating my rights as a consumer to have accurate information on my credit report.
I have been paying Student Loan processing {$39.00} a month since XX/XX/XXXX under the assumption that I was paying for my school loans. Student Loan Processing informed me that they were working with XXXX XXXX to consolidate my loans. Student Loan Processing was taking my information ( XXXX and pay stubs ) and submitting this information to XXXX XXXX on my behalf. They provided information to XXXX XXXX that would make XXXX XXXXXXXX determine I would owe them {$0.00} based on my income. In turn, they would charge me {$39.00} based on my income. This XXXX, I did not submit paperwork when it was due, yet they have charged me monthly. Since I did not submit paperwork to Student Loan Processing, they did not submit any paperwork to XXXX XXXX. As a result, XXXX XXXX started charging me for my loans. I was being charged for my loans through XXXX XXXX and for this free service through Student Loan Processing. After  talking with a representative from XXXX XXXXXXXX, it was brought to my attention that I had not been paying any money towards my loan and that this company, Student Loan Processing, was charging me unnecessarily. XXXX  XXXX made it clear that they were not working with Student Loan processing to consolidate my loan. I had been wrongfully paying this company for a free service since XX/XX/XXXX. I would like to be refunded my money so I can properly apply this to my loan through fed loan. 
The company charged me on the following dates for the following amounts ; XXXX XXXX XXXX Total {$890.00} XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$78.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$150.00}, XXXX {$39.00}, XXXX {$39.00}. 
XXXX XXXX Total {$190.00} XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}. 
Total charged- since XXXX {$1000.00}.
XXXX Credit Card resold by XXXX XXXX provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.
I was charged an overdraft fee for a XXXX cent transaction. The only suggestion I received from customer service is to start using a personal ledger. And it was relayed in the most condescending tones. I have been a customer for a long time. For small transactions like this, I do n't expect to be charged a {$36.00} fee. I have overdraft protection and mobile alerts active. However, this institution continues to allow certain transactions to post to my account even though there are pending transactions which have not reflected in my account balance. Earlier this month, I was also charged a fee for a music subscription withdrawal. The withdrawal happens shortly before XXXX ( as I received a text alert ) and the next morning I was charge an overdraft fee. I feel this is unfair because I immediately posted funds to the account once I noticed, but this institution refuses to take care of the fee because it 's not fraudulent. I am disappointed in the lack of customer service. If this can not be resolved, I will be canceling my account.
I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting ) the freeze. 
However, Equifax online does not provide the option for victims, but rather has only XXXX default - Pay them {$10.00}! 
Nor does Equifax mention this available free option ( again, going for profits while using our info tho willing to leave it exposed due to Equifax delays in implementing a Freeze when demanding fees and nonsensical reports ). 
Especially galling is the fact that I am an ID Theft victim as verified by another Credit Reporting agency, XXXX ( attached ), i.e. my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, ALONG with XXXX XXXX other XXXX victims of this theft / XXXX breach. 

In contacting Equifax on XXXX occasions, XXXX and XXXX Equifax asked ( XXXX ) that I send a written request. Then when they ignored that, I again called ( XXXX ). They now asked for the attached Experian notice. 

Again Equifax ignored that which led me to call on XXXX/XXXX/2015. The first level rep, then the supervisor, then the next level supervisor ( XXXX XXXX in the Equifax Consumer Affairs Office ), first stated Michigan law did not apply ( false ) ; then that only a police report would qualify me for1 ) a refund of my {$10.00} that they essentially extorted from me ( the only way I could implement an immediate freeze to avoid serious credit, monetary, and repair time losses ; and,2 ) as per Michigan law which Equifax denied, no charge for the ongoing freeze ( including no charge for lifting / resetting the freeze in the future ). 
However, proof of ID theft is NOT restricted to a police report. 

Not only does Equifax provide false information ( MI law ) and ignore responding to follow-ups they request, but they also are willing to put victims of ID theft at risk if the victim does not pay them to implement a freeze. 
However, Equifax states that if consumers ( in this case all XXXX MILLION of us ) can get a police report re the breach, Equifax will " generously '' waive the upfront fee .... what a farce, they only apparently want to collect fees from OUR information. 

Meanwhile, XXXX and XXXX had no difficulty immediately implanting the free ( per MI law ) freeze.
Experian is reporting inaccurate, damaging credit information after their " verification '' for a furnisher that appears to be incapable of reporting accurate complete and true information.This unconscionable behavior is illegal according to the FCRA and carries statutory damages that Experian must pay.In addition the FCRA allows and suggests that when a furnisher is habitually error prone, Experian is allowed to block the furnisher and in so doing protects Experian from liability for false inaccurate reporting.Attached are XXXX bureaus reporting within last 3 weeks, all are inconsistent with each other.Experian reports a collection in XXXX 2012 while the other XXXX bureaus report that the case was closed in XXXX of 2012. 
The XXXX XXXX ... ACCOUNT ON MY EXPERIAN seems incapable and unwilling to report correct complete and accurate information to Experian that is required by law to report ... ... SO THE FCRA directive IS REPORT ACCURATELY OR DO NOT REPORT AT ALL AND PAY XXXX DOLLARS FOR EACH PROVEN INCIDENT OF DISOBEDIENCE TO FCRA TO THE PERSON REPORTED ON.
I have requested a hardcopy of my credit report both by phone and online, still have not received anything
On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$700.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$170.00}. On XX/XX/XXXX, XXXX XXXX deducted not the {$170.00} payment, but {$230.00}. This was not to be my payment amount. Despite having paid {$400.00}, my online account shows I still owe {$810.00} on a {$700.00} loan. This is outrageous! If I pay another {$810.00}, I will end up paying {$1200.00} on a {$700.00} loan. That is {$520.00} in interest. 75 % interest!!!!! This is predatory and greedy. My loan documents actually show the interest rate as 672 %!!!!!! This must be illegal!!!!! 

Since I have paid {$400.00} on a {$700.00} loan, my balance due without interest is {$290.00}. In South Carolina, payday loans can only charge {$15.00} per {$100.00} borrowed. Since that is my state of residence, I should only have to pay {$100.00} in fees. I should have a balance remaining of {$390.00} NOT {$810.00}. 

Since XXXX has already lied to me and changed my payment amount, I now want to reach a settlement to pay off the {$390.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$49.00} paid on XX/XX/XXXX I will make my payments via check mailed to XXXX. I have revoked XXXX  's authority to automatically take money from my checking account.
I had a contractual agreement with Citi-Bank on a Balance transfer from XXXX Credit card to Citi-Bank. The reason for the transfer for a lower interest rate. Citi-Bank entered into an agreement to have the interest rate remain the same for the term of the note. Citibank increased the interest without notice. Whereas payment to Citi-Bank was through direct debit my bank account. After several calls to Citi-Bank customer service, they admitted their mistake and corrected it. I received a statements reflecting this error and showing a corrected actions. Then I received a statement from Citi-Card once again with an increased interest rate to 29.5 % and a penalty for not paying a full payment. I have been advised by my attorney that this action was a freud, a former Judge also stated that Citi-Bank had committed a fraud.
On XX/XX/2017 Bank of America represented to me, through their collections and foreclosure specialist XXXX, my property has been conveyed. When I asked for clarification as to what, exactly, does " property conveyed '' means I was told it meant Bank of America is in possession of the property. This is not true as I currently reside in and occupy the property as my primary home and place of shelter. I immediately informed Bank of America of this fact directly to their representative, XXXX. I also requested that this information be added to the remarks on the account to reflect Bank of America is not in possession of the property and that title has not been conveyed, if " property conveyed '' has ever been intended or represented to mean or imply that a Trustee 's Sale of the debt associated with the subject Deed of Trust conveys title and, therefore, ownership of the real property. 

In the State of California, in order for the bank to take possession of real property without the consent of the possesser or owner, the bank or one who has a claim of ownership currently not in possession of the real property, must bring a private right of action through California Superior Court. Otherwise, the current owner and possesser claims of right to title and ownership go uncontested and without issue. At present, this would mean I remain the current owner and retain ownership and title of the subject real property. 

XXXX Requirements are as previously stated and are to include the following : Prior to recording a Notice of Default ( NOD ), the bank or servicer must certify, under the penalty of perjury in a statement affidavit or declaration to be included as part of the NOD, a new and complete review of the account records have been conducted to determine Dual Tracking violations have not occurred. Once this review has been completed, the bank or servicer must maintain this certification so as to be current, true, and correct up to and though the date of recording of the NOD. If the bank or servicer can not determine if Dual Tracking violations have occurred or Dual Tracking violations have occurred, then no NOD may be caused to be recorded until a determination can be made to certify and declare Dual Tracking violations have not, in fact, occurred related to the account, borrower, and property to date. If it is determined Dual Tracking violations have occurred, steps must be taken to resolve dual tracking conflicts without penalty or detriment to the borrower whatsoever. 

All previously mentioned resolutions are desired and mandatory.
My daughter was to be on an auto pay program for 3 months so she could qualify for a 15 month payment program. Navient took out the XXXX payment for XXXX, but not for XXXX ... .so she is 'late ' again. Their fault, not hers. More fees and bad credit, on her, and me as a cosigner. This has happened over and over again, and we have documentation. Looking for help with legal issues to sue.
On XX/XX/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.
We started a loan modification XX/XX/XXXX. The person helping us is XXXX XXXX from Bayview which I think is a collection agency. First, I have submitted the documents 3 times and have been given 3 different reasons why My documents have not been reviewed and I missed the deadline and had to resubmit. I was never called about missing documents and every time I called XXXX XXXX he would say they were working on it and call back in a week. He also told me I had to be 4 months behind before I could apply which I was not comfortable with. Another collector called me in XX/XX/XXXX asking for a payment and I made a payment. Me XXXX said since I made a payment I had to wait another month which meant a total resubmit of all documents. I told him I was in fear of losing my Home he assured me that would not happen. I wanted to just forget about the modification and ask him how I could catch up. He told me I had to pay {$4500.00} them {$1800.00} a month which is approx {$500.00} more than my payment. I was stuck I had no choice but to resubmit for the 3rd time. I didnt have {$4500.00}. Them today I received a secure email from XXXX XXXX but it was meant for another person with MY documents attached. 
I can forward this email to you. This may be why I have never received any email, text or phone call that I had missing documents. He has already shared personal financial information to me from another person, I dont feel secure with him or this Company but if I stop now my Home will go into forclosure. I have contacted XXXX XXXX with XXXX and she has submitted my documents for the third time but now because of XXXX XXXX and Bayview I am 4 months in arrears and could lose my home. I feel like he is purposely doing this to get my home because I ha e equity in it or he just does not k ow how to do his job. I am very concerned about losing my Home because of these issues caused by XXXX XXXX. All calls are Recorded so this can all be verified
In XX/XX/XXXX, I had to file bankruptcy and applied for a loan modification with Fay Servicing. After countless paperwork, I received a letter granting it, but it just put my past due amount in the rear, kept my 6 % interest rate, increasing my mortgage amount, which I was having trouble paying to begin with. I struggled but paid them. 

Hurricane Irma hit us in Florida and I had to use funds to make emergency repairs to my house. Due to the fact that I am in bankruptcy, I did not qualify for any relief they offered other custiers, ( ie two months relief ). they told me that I need to apply for another modification, which I did. In the meantime, I receive my insurance proceeds from XXXX to start repairing my house. I signed and mailed the checks over to them on XX/XX/XXXX, totaling {$35000.00} ( check # XXXX for {$2900.00} and # XXXX for {$32000.00} ). Fay servcing has yet to release one dollar back to me for repairs. I have done their paperwork, provided estimates, liability insurance from the contractors, but every time I call them for an update, I am still missing documents. 
I decided then to act as my own contractor to bypass all of the paperwork they need and, per their policy, will provide them proof of all expenses. I am still waiting for a response to my letter sent to them stating such on XX/XX/XXXX. 
They are also keeping a settlement check that I received from a lawsuit that I settle with XXXX  XXXX when they denied my claim for water damages in XX/XX/XXXX ( which is why I had to file bankruptcy for, I paid all of the repairs out of pocket ) ; check # XXXX, {$11000.00}, made payable to myself and XXXX XXXX, XXXX ). I could use that money to get my loan up to date in full since it is my own. I have told them countless time this was my intention. Still, no answer. 
I was contacted by my account manager on XX/XX/XXXX to advised me the loan modification that I applied for was denied, due to the fact that " I have exceeded the amount of request '', which is 2. I only had 1 modification in XX/XX/XXXX. He told me to appeal when I get the paperwork. I asked him of the status of my lost drafts, " I do not know, I will look into it ''. I have now mold in my house, and it is becoming inhabitable, but I have nowhere to go. I am a single mother, sole breadwiner and have XXXX dependents, my motehr and my XXXX year old daughter. I did not qualify for FEMA, since my insurance carrier is covering my claim. I truly believe Fay servicing is doing everything they can for me to lose my house. I can not get any answers from any account managers, can not communicate directly to their lost drafts department, nor speak to a manager. What Fay Servicing is doing is illegal and immoral. I have kept a line of communication with them throughout my entire ordeal, provided all information they have asked of me. I am please asking for help in trying to resolve this matter.