WillisBack/dataset-financial-user-claim huggingface dataset:
I worked with a lender from prime lending and everything was going wonderfully until about 2 week before closing. I had not heard from her in quite some time when one day, about 3 days before our closing should have been, she called and " made me promise not to get upset '' she went on to tell me that my FHA loan had been denied, after previously switching from conventional due to debt-to-income-ratio issues. So, she asked if I had any more money to give to help us go back to conventional. I said no. Flat out no. I had saved {$11000.00} to someday use to purchase a house. I knew fully well that ALL of my savings would be going into my house, and my realtor and lender both knew this. She later called back and stated that she had already put my husband on the loan, EVEN though I was never asked if this was ok. Apparently her supervisor told her to include him because of his credit. Well, this then made it to where all his finances would be legally necessary to use for the house. To get us to 5 % down, we would need {$3500.00} of my husbands {$5000.00} in savings. That would mean that to by our new home would be financially crippling ourselves ; draining my entire savings, and 70 % of my husbands. This was not ok, considering my husband had just quit his job and had ZERO income. Another fact my lender knew. It was never my decision. Our lender took complete advantage of us. AND this was after she had to award us hundreds of dollars in waived fees to make the loan go through. It was clear that we were not a priority, we were a paycheck. Now my husband and I are still trying to make ends meet with no money to fall back on, because of a decision that was made for us.
On X/XX/2017 Company : Global Payment deducted {$100.00} from a debit card that I never authorized for them to store. This was a debt that I would make Bi-weekly payments until it was paid off. The payment was taken out not only without my approval but from a card that was never authorized for them to keep on their records.
I have sent several certified letters to Transunion ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Transunion still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor.
Hello, I have been using Coinbase.com to purchase some cryptocurrency. To transfer money in, I had to use a XXXX transfer from my bank ( XXXX, XXXX ). I made the transfer from my XXXX  account on XX/XX/XXXX and it arrived 2 days later in the Coinbase account. The instructions requested that I use a specific identification code in the transfer, which was fine.

I wanted to withdraw a quantity of that money back to my XXXX account, for which Coinbase requested that I send another XXXX transfer for a small amount to verify my bank account, which I did on the XX/XX/XXXX( at a flat fee of XXXX per transfer ). Since then, Coinbase has refused to verify my account and I am left with XXXX of my money stuck in their account.

I have mailed Coinbase on two occasions about the issue, on the XX/XX/XXXX and XX/XX/XXXX, to which I have received automated responses. I have read of many other accounts online that have suffered the same problem with no help from Coinbase.

I need access to my money immediately and they are refusing to let me withdraw it back to my account.
I sent a request XX/XX/2018 to lexisnexis for removal of public records since they were past the time getting a response from the credit bureaus. LexisNexis responded with a disclosure report instead. This violates FCRA regulations ...
This company keeps calling and hanging up and/or not leaving messages. they are apparently using a robodialer as I was hung up on, again this afternoon.
I see very poor ratings for this company. That 's why I am coming to you.
This problem started with a XXXX timeshare purchased by my ex in 2005. He supposedly gave it to me as a gift so I was tricked into signing the contract. I subsequently found out it is a timeshare trick because his credit record was so bad he would n't qualify for a loan. As a result, XXXX put the whole thing under my name only without my knowledge. Because of XXXX I never got any documentation. XXXX apparently sent all correspondence to him. He vowed to bankrupt me and ruin my credit. Even though there is a court order stating he had to tell me if there was a XXXX issued he never did. This year a repo showed up on equifax from XXXX who apparently bought XXXX. They refused to acknowledge that. Ever received notice, and refused to honor the divorce decree showing it as a joint debt. After many calls I got the contract cancelled. However, They say I owe a balance and nothing went on his credit report. 1 ) is n't there any protection in XXXX situations? 2 XXXX how can you repo time? Does n't there have to be real property? 3 ) how can it show as a repo and a balance due on my credit report? Is n't it one or the other? 4 XXXX why is n't he being held responsible for the debt? 

This is keeping me from getting any loans 8 years after it occurred. They strong armed me into paying {$1400.00} to clear the repo from my credit report and after I sent the check they said it does n't guarantee they will remove the repo. 

Help me get free from my ex XXXX and XXXX!!!!
On XX/XX/XXXX I received an email alert from US Bank to notify me that the USPS had initiated an address change with their company. The alert contained the following message. " If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX. US BANKS ( XXXX ). '' Since I did not initiate this action, I called US Bank at the number provided. No account numbers were included in the email. I have multiple accounts with US Bank. The CS person at US Bank gave me the ridiculous excuse that they had written a new program within the bank, and that every account holder with their bank had received the same notice. Another person said that my accounts had been compromised and sent me new credit card numbers and cards for my accounts. Another person said that the USPS is always changing the last four digits of my Zip Code, and this is probably what happened. I asked the US Bank CS person what that change was, and he said he could not give me that information. He said the bank does not always know what the address change is, but it is changed. According to the Postmaster, XXXX, at XXXX USPS ( the branch office handling my mail ), XX/XX/XXXXSince I can view all alerts issued for my accounts, I checked the alert history. An address change alert had NOT t been issued for my account. On XX/XX/XXXX I received an informed delivery email from USPS indicating that I could expect to receive a piece of first class mail from US Bank. That mail again was a notice that the USPS had notified US BANK that there was a change in my address.The first class postcard contained this message. " If you did not initiate a change with the USPS, please contact us immediately at XXXX ( XXXX ) for consumer accounts ... '' I have not moved, nor have I initiated a change of address notification with USPS. I have previously in XX/XX/XXXX been a victim of identity theft. It is very distressing to be repeatedly notified by MY BANK that USPS is changing my address, when USPS denies that they have done so. There is a piece of mail today XXXX/XXXX/XXXX that I should have received from USPS that is from US BANK. Unfortunately my mail carrier gave that mail to another resident of XXXX, IN, and I do not know who now has further information about my accounts.
I am in bankruptcy since XX/XX/2015. I have been utilizing credit karma to monitor my credit and score since then. With this week 's credit karma update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled my credit and much to my dismay one of my scores ( XXXX ) was no where near what credit karma had reported, with different negative information being reported. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Credit karma has one creditor on my report in the collection accounts portion of the report, and also listed as included in bankruptcy, which is double hitting my credit score as well. One for being in collections and another time for being in bankruptcy.
I have contacted XXXX XXXX XXXX several times and they say they have no record of my account but it continues to be listed on my report. XXXX time I called and they said it was my husband 's account but it is not listed on his credit report. They do n't know how to remove it.
I had a Sears Credit Card and used it to purchase a product but during a previous previous purchase of a weed trimmer which was still under warranty and also I had purchased the Protection Agreement ; the weed trimmer stopped working. I took it back to Sears and was told I had to take it to their Service Department and on the second day I took it to the Service Department of Sears and was told that my weed trimmer was a 2 cycle trimmer and Sears policy is to automatically EXCHANGE the product and XXXX in the XXXX MS Service Department gave me a letter and told me to give it to them to get a new trimmer. Well the XXXX Store Manager who had told the floor person to tell me to take it to the Service Department came down on the floor and sort of accused me of stealing ; saying there was no record in her system that I had purchased this product. I had my receipts and protection agreement with me and she had seen them. She proceeds saying I am going to the Service Department myself to see what XXXX is Talking about, as I followed! She accousted XXXX and XXXX turned her monitor around for the Store Manager to see when and where I purchased it and told her to give me a NEW one and she said she could not since not in her system. I stated I am leaving now and left. I got home cancelled my account and paid the balance on my Sears Account minus the cost of the Weed Trimmer of {$150.00}. I Then filed complaints with their customer relations concerning how I had been treated. Explaining I would never DO BUSINESS WITH SEARS again. Sears has the trimmer and I subtracted the cost of the TRIMMER from the balance due in the amount of {$150.00}. Now, that have continued to bill me on a CLOSED ACCOUNT which I closed around XX/XX/XXXX and they have added charges and now the balance is {$390.00} which includes late charges and interest charges on purchases. I want this to stop!! I pay my bills and I dont owe Sears anything!!
Two years ago, I stopped into my mortgage lenders local banking office - Chase in XXXX, KY and was told if I was a new customer looking for a new mortgage they would lend me $ XXXX assuming the property met the appraisal. At that point I had owned the property almost 3 years. I was aware the property values were increasing in the neighborhood based on a discussion with my real estate agent and wanted to have PMI removed. After now 5 years into the loan the principal balance is below 78 % - JP Chase Morgan is still forcing me to pay them {$110.00} in order to remove the PMI. The {$110.00} is to have a broker/realtor come out and provide an OPINION on the price. Broker Price Opinion. 
When I purchased this property in XXXX XXXX, I purchased it for $ XXXX and the appraisal came back at $ XXXX. Up until XXXX of XXXX - they were requesting I pay for an appraisal at a cost of {$450.00} which is {$100.00} to {$150.00} above the XXXX market average for an appraisal. In XXXX appraisals were running {$300.00} to {$350.00} at the time of the original request. I was told by the mortgage group at Chase that this was the national average ... so including inflated appraisals for places far beyond our standard cost of living. This is JP Chase Morgan robbing the American people of money they should not be entitled to. 

I am a single mother, have called requested to speak to supervisors, called the executive office and requested to speak to executives that they are taking money from mortgage owners that they have no right to ... forcing us to pay a premium in order to have the insurance removed from the account. When I signed my paperwork in XXXX of XXXX, the title company was adamant that at the point I had paid my mortgage at or below 80 % to contact the company to have the PMI released or waived. I have never been late on a mortgage payment, I have had several conflicting communications from Chase bank regarding my mortgage - for example they sent me a communication if I opened an account and had my mortgage automatically deducted I would be entitled to a 2 % kick back on my mortgage interest. When I signed up and reviewed my mortgage the next year, I called only to find out I had been lied to and was not entitled to the program because another bank had sourced the loan from them ... so although they were the loan servicer immediately I was not entitled to the program they marketed and told me I was entitled to. I do not want to pay {$110.00} ( unless they plan to put it on my principal of my loan ) to get rid of a forced fee, they are not entitled to. Today I was notified that XXXX - was the one requiring that the PMI remain on the loan UNLESS I ordered a BPO. I spoke to XXXX last week thinking they could help me. The XXXX rep informed me that my PMI being waived or released had nothing to do with XXXX and that was solely dependent on the mortgage lender. So now Chase is saying oh no it 's XXXX requiring this. Please, please help me!
Transworld Systems Inc is sending me a bill for {$720.00} and I do not owe this. It says city of XXXX. The only thing I ever had with the city of XXXX was a bill for XXXX in XX/XX/XXXX This was settled in XX/XX/XXXX through a debt collector XXXX company. 

Transworld shows nothing what his is for and they keep sending me unknown bills. it only shows an account # XXXX
When I received a nearly 10k stipend for serving two years in XXXX, I thought my lump sum payment would have paid my XXXX loan in half. That was in XX/XX/XXXX. Would you believe I still have XXXX to pay on that loan in XX/XX/XXXX? 

How could this be? I was told by navient that after paying the lump sum I did n't have to pay for a few years. I assumed this meant that they were using my government stipend to pay both principal and interest. But not so. In essence they put my loan on a deferment like status ... What they call 'advancing the payment date 's so that during the time I was told I did n't have to pay, interest was accruing. 

A few years later when I started paying again, I owed a lot of interest. What I did n't realize was that all my payments were going to that accrued interest and for years my pricipal was getting hit with more interest as I slowly paid down the accrued interest only. Again, I did n't realize all this until it was too late. 

At the end of the day, through confusing practices, they swindled a young college graduate out of her hard earned government stipend. 

In the end, I am fiancially stable ... But it does n't make it any better. And for thousands of others like me that are still struggling we must take action against navient a d other loan servicing companies like it.
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.
I WAS GIVEN A {$50.00} GIFT CARD ISSUED BY XXXX XXXX XXXX XXXX LICENSED BY XXXX XXXX XXXX XXXX. 
I LIVE IN PENNSYLVANIA WHICH PROHIBITS FEES THAT REDUCE THE AMOUNT OF THE CARD. I FOUND OUT ON XX/XX/XXXX THAT THE CARD IS ONLY WORTH {$20.00}. INACTIVITY FEES OF {$30.00} WERE DEDUCTED FROM THE CARD. THIS GIFT CARD EXPIRES IN XX/XX/XXXX.
I have a Citi Bank credit card for which I paid the balance in full. Under the terms of the credit card agreement, as well as the standard for most other credit cards, when the balance is paid in full, no interest is charged. Instead, I received a bill charging only interest, no purchases. The charge was for interest in the amount of {$38.00}, which seems excessive especially in light of the fact that the balance was XXXX. I chatted online with a representative who said he could n't help me, but would have a manager call me back within XXXX hours. No one called. The problem was still unresolved. So, I chatted again online the next day with another representative who was unwilling to help, but promised he would have a manager call. This was about 4 days ago, and still no one has called me back, and the charge is still on my account. I completely dispute this charge and do not want to be forced to pay an improper charge with the threat that my credit is going to be detrimentally affected.
I have received 16 calls in 3 weeks attempting to collect a debt for someone who does not live at my home. I have told the caller to stop calling but they continue. The calls come from XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are very rude. I can not help them but they persist.
After not paying a few monthly payments to my school due to a  Family  crisis. My balance with my university of {$8000.00}, was brought over to a collection agency. An additional 30 % charge was added bringing it to over {$10000.00}. Is that a correct amount of interest they can charge me? I currently live in NJ as well as the  Collection Agency  is based out of. I want to make sure I have the nessesary information before I continue paying off this loan with them.     Thank you.
Trans Union puts collection accounts on my credit report that do not belong to me. I have contacted the collection company, XXXX XXXX XXXX and the originator, XXXX XXXX XXXX XXXX, and they have agreed to clear them. Somehow, Trans Union still keep these collection accounts on my credit report. 
Note that the collection accounts belong to someone who has different name, date of birth, and address from mine. The collection company obtained my social security from a company called XXXX XXXX. I am not sure how these collections match with my social security anyway.
American Express ( Amex ) fraudulently attached to my Gold account seven ( 7 ) unauthorized users with their own credit cards numbers. IT IS IMPORTANT TO NOTE THAT NONE OF THE UNAUTHORIZED USERS WERE EVER KNOWN BY, OR ASSOCIATED WITH ME. Amex told me that the unauthorized cards were " attached to my account '' by Amex 's computer. Before these unauthorized cards were attached to my account, I had in excess of XXXX points. The unauthorized users eventually drew my points down to XXXX. Amex told me that my points were " used for XXXX purchases '' and travel. At this time, my XX/XX/XXXX statement indicates that I have a NEGATIVE XXXX POINTS. I began contacting Amex in XX/XX/XXXX. They finally reissued a new credit card number in XX/XX/XXXX, BUT THE SAME UNAUTHORIZED/UNKNOWN USERS WERE STILL ON MY ACCOUNT. At this time I requested paper copies of my Amex statements dating back to XX/XX/XXXX so that I could scrutinize each transaction, etc. I have yet to receive copies of my statements. Amex continues to deduct points from my account to 'pay back ' points that I NEVER USED. At one point, an agent told me the matter was closed and that my account had XXXX points. Sadly, my ill husband and I wanted to take one last trip together. Of course, I had counted on plenty of points for the airline tickets. Without these points, we are unable to take this trip. Rather than try to help me, they have now reduced my point balance to XXXX for reasons I do not understand, nor can they explain.
On XXXX XXXX, 2018, I mailed a letter to TRANSUNION disputing erroneous information I discovered in my consumer credit file that was publish for others to view by TRANSUNION. 
Under the FCRA act I expected TRANSUNION to investigate my disputes, delete or correct the information. To ensure accuracy I mailed the letter using certified US mail. 
To date TRANSUNION has failed to respond to my dispute and it has been more than 30 days. 
I would like your assistance ensuring that big corporations comply with the law. If after 30 days TRANSUNION is unable to verify the negative information I insist that they delete the information from my credit file.
I 've contacted Equifax for an error in my credit report. There is an account that does n't belong to me, and I have explained to them I dont recognize this debt or owe any money to this creditor. If valid it would have been paid. have become a responsible consumer and this is an unfamiliar debt to me. Moreover, this debt appears to be past the Statute of Limitations. However, they insist in keeping in it there. I contacted XXXX for this exact same error also, and they concluded the account is not mine, and removed it from credit report. How is it possible, XXXX credit agency has determined there is indeed incorrect information, verified the account and removed them, and the other company just neglects all this? Please assist in contacting Equifax and getting this sorted out.
I reached an agreement with NAVIENT and madepayment arrangements. I have FULLY compliedand paid as agreed for many years now. However, they continue to report me as making late payments. 
This is negatively affecting my credit. Because I ampunctually paying as agreed, I believe I should NOTbe reported NEGATIVELY on my credit reports. 
My school was XXXX XXXX University XXXX. XXXX, FL
For months I have been harassed by this incredibly rude and unprofessional company. They have called and yelled at me, hung up on me and refused to give me any information.
I keep getting calls from a debt collector ( Franklin Collection Services ) that claims that I have an outstanding balance with XXXX XXXX XXXX for internet service when the opposite is true. I have closed my account and I actually have a credit balance remaining. I have a statement to prove it yet I keep getting calls from this debt collector. Their number is XXXX or XXXX.
I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.
I have an account with Coinbase/XXXX that was unexpectedly disabled right before an extremely large surge in price. My account was already verified and active ( successfully trading for days prior ). Timeline as follows ... 

XXXX XXXX : Account is disabled after a sell of all my coin on that exchange at XXXX XXXX {$8100.00} USD ).  Plan to buy the dip was unable to be fulfilled. ( H:XXXX, L:XXXX ). Instructed to call support, but no phone support available and no voicemail able to be left. Emailed support via website. 

XXXX XXXX : No response, little activity in BTC. 

XXXX XXXX : Still no response, still attempting to call and email. Market surges in value ( H : XXXX ). Start a withdrawal despite website status stating that US withdrawals are experiencing issues. 

XXXX XXXX : Submit another request as market surges yet again ( H:XXXX ). Also file complaint with the BBB ( hadnt thought to file with CFPB yet. No responses.

Current : Received my USD funds, but will be unable to capitalize on market activity for several days due to these issues.
i closed a master card account, financed through rci barclay 's bank usa, on XXXX XXXX, XXXX the account was paid in full. i just received a billing this month for XXXX the reason i closed the account was spurious billings of this type. i just called the bank complaint number and received an unsatisfactory response. the phone call was ended pre-emptorialy without resolution.