WillisBack/dataset-financial-user-claim huggingface dataset:
Coinbase has locked me out of my account on their website and I can not seem to get it recovered. Trying to sign in with my username and password pulls up a prompt for a 2 Factor Authentication code texted to an old phone number that I do not have anymore ( I recently changed it and forgot to update it on a few sites online including this one ). The normal process for many websites and 2FA issues is to submit proof of identity, but I am having repeated issues doing this with Coinbase with little effort on their end to help resolve the issue.

After clicking the option that I no longer have the phone number ending in ( my old number ), I am taken to a " coinbase account recovery '' page that asks to upload my state ID and a picture of myself to verify that I am who I say I am and to recover the account. I am not sure what is wrong with their program, but I can not get the system to verify me no matter what I do. I have taken clear photos of my ID multiple times with my new XXXX smartphone, and for the picture of myself have used said phone camera as well as a laptop webcam, but no matter what I try to use their system refuses to accept the valid ID and photo of myself and will not recover my account. 

After this, I tried contacting Coinbase customer support through an online field submitted to them, detailed with this information that I no longer have my 2FA phone number, that I can not sign in to my account, and that their recovery systems are not working and put in a request for another way to verify my identity and recover the account, such as sending a copy of my social security or birth certificate, for example, or having a support agent personally check the ID and " selfie '' online if their automated system is having issues.

I received an email from Coinbase Support within two days after, with what seems to be a canned response. It simply lists the steps to start an account recovery process using the automated method that above I stated is not working, so this was not helpful in recovering my account, as well as a few " tips '' for a successful validation that did not work for me. Furthermore, I was hoping to respond to this email with a further request for something to be done as this did not help me get my account back, but I have no further way to respond to the support ticket filed. The link in the email to follow to view the ticket status and add comments, etc does not work, clicking it simply redirects to the general support FAQ page.

The fact that I can't recover my account in a timely manner isn't even a big deal, what's frustrating is that their recovery systems will not work even though my identity is accurate and true on the ID and photo submitted, and when I inquired on why it wasn't working and how to get my account back if it wasn't working, they simply sent a canned response and won't even give me a method to reply back for a different solution.
We went to buy XXXX cars, and the dealership said they would run our credit once and share the info with the lenders. There were XXXX companies that hit my credit twice 10 days apart. XXXX and Wells Fargo Dealer hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed?
Reverse Mortgage heir payoff. My mother and Father have both passed away. The house is in need of repairs. I started moving things out of the house and making repairs. All roof and plumbing leaks have been repaired, but I have run out of time so I requested a payoff. Then I found out about an heir payoff and had to resubmit a request again even though I have the same name and they knew I was a son. The way I understand an heir payoff is it is the lesser of the loan balance or 95 % of the market value. The pay off I received is {$450000.00}. The new appraised value, even after market values in this area have risen and some repairs were completed is {$460000.00}. I understand the rules as 95 % of XXXX = XXXX which is less than XXXX. They insist that XXXX is less than XXXX so I need to pay the whole loan. This is beside the fact that it has taken a long time to get this information and interest keeps building. My brother believes he sent in a payback request back in XXXX 2014 with no response. Reverse Mortgage Solutions Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.
the number XXXX XXXX XXXX XXXX calls everyday at XXXX XXXX does not leave a message. 

I believe the call is from Paypal. I do now now have I ever had a Paypal account.
Citi sent a promotional e-mail for my XXXX XXXX XXXX card on XX/XX/XXXX with a subject line of " Don't forget, XXXX, starting next month you'll earn more at restaurants and gas stations ''. I did not read the e-mail and deleted as I don't typically read promotional e-mails. 

On XX/XX/XXXX Citi sent a second e-mail which stated " Corrected subject line : Don't forget, XXXX, starting XX/XX/XXXX, you'll earn more at restaurants and gas stations ''. When I saw " corrected subject line '', I decided to open the e-mail and see what the e-mail was in regards to. There are two pictures and three paragraphs which refer to earning 2xs miles at restaurants and gas stations and a {$100.00} flight discount, among other things. Some of the text is bolded and some information was included in large red boxes. However, when you scroll to the end of the message, in the very last paragraph, with text that is NOT bolded or in a red highlighted box, they disclose the annual fee will be increasing. 

This seems like the definition of deceptive. The increased fee should not be buried in the bottom of a promotional e-mail after the new benefits are highlighted, which is not in the same font/size as the promotional information, and the subject line does not reference the fee.
I submitted all required information for identity purposes to Equifax. Equifax promised to give me an instant credit report. After I had to submit sensitive personal information subjecting my information to possible hackers, an Equifax screen stated that I must now write to them with the same information saying that Equifax can not give my credit report to me online. No explanation as to why not. Everyone knows what instant means and this is not instant. Thank you for your consideration.
I was absolved from this debt due to the other party that took responsibility, they refused to take off of my credit report.
Ok, about 10 days ago, I complained to XXXX about how a rep of theirs on Sunday XX/XX/XXXX told me the Interest charge for XX/XX/XXXX would be removed and it would reflect in my account within 24-48 hours.  As of today, this still has not occurred.  Add in the fact that 3 separate reps told me this was under investigation.  Then today, I checked AGAIN, as nothing has occurred, and I was transfered to a manager.  In our chat, this was the response I got (From a cut and paste by me)  "XXXX - Supervisor: Thank you for your patience. I have reviewed all notes on the account and several responses were already made as well, which were mailed to you regarding your request. I don't want to provide any false expectations regarding your concern. We have yet to see any proof of the possible error made and/or promised to you on this account, thus, no credits had been applied for the interest charge waivers you requested. There's also no notes of an escalation, I'm sorry."  THIS IS WRONG!  Why can't they get their notes straight?  Not only was I promised this XX/XX/XXXX interest charge, I was also promised another $XXXX for the XX/XX/XXXX interest?   Now I get this line over and over?  I also got this response from the email online message system on XX/XX/XXXX-XX/XX/XXXX XXXXSynchrony BankXXXX XXXX Credit Card Billing InquiriesThank you for your recent inquiry regarding your XXXX account, and the opportunity to be of service to you. Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days. We appreciate you as a valued XXXX customer and hope you will continue to shop with us.  If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below. Sincerely,  XXXX XXXXCustomer ServiceXXXX
I have previously disputed the account in question in which the account along with others were removed. I have disputed this debt with you as well as XXXX XXXX multiple times but it keeps reappearing. The same company keeps adding this debt to my credit report stating that this is my debt. These accounts are being added as new accounts and I have never been to nor do I know of any company by the name of XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX. If you keep records of disputes made through your system, there should also be photos and documentation there as I did not keep all photos because I thought this matter was resolved.
I have been a chase costumer for quite some time with no issues. I recently ( XX/XX/2018 ) got a letter in the mail saying my account is being closed and that I should remove all my money from there. There is no reason in the letter as to why they are doing this. I called them and went to the bank and no one seems to want/able to help me out. They also refuse to give me and reason as to why they are closing my account. They also say that due to this they shut down all my credit cards which never had a late or missed payment ever. Again there is no one to talk to there about this issue either. Seeing as I've never caused Chase any problems with my credit card or bank account I don't see why they are doing this and its very frustrating that when I try to talk to them about it they refuse to give me any help or information at all.
I have 2 loans through Navient ( aka Sallie Mae ) both within a 6 month span, for nearly 5x the tuition they charge back in XX/XX/XXXX. They are private but the issue is I was the 'Original ' signor and have the paperwork to show that. But after year, they claimed my 'dad as the signor and not only that the student ' he was at XXXX and in his XXXX 's. Now come full circle to 2 months ago I am out of work, my parents both retired and well they got nasty with all of us as it was time to re-up the pay as you can go program ( been doing it for 3 years ) was told that program doesn't exist and your lucky to be even in it hasn't existed for 2 years? Yet have been in it for last 2 years. The other end saying you make way more than your claiming and we must talk to the 'signor ' which i haven't been for 12 years but all of a sudden I am. Not only did my parents income drop, but now they are claiming I am the signor but since the loan was taken out on the original papers returned I am not, I demanded that paper work and they won't comply whatsoever and was hung up on when asked. In the past for bad and miss use a layer of Navient out of XXXX contacted me and removed 2500.00 plus off the balance. But now they are just coming for the throat, loss of income, not working yet they want 300.00 plus more a month by telling me a program that does exist and shows on their website today at this current minute 'does n't exist and sorry ' Not only that we as ending the last program as they claim as 'gone ' was told XXXX XXXX, XXXX payment XXXX, now they are saying 2 months behind for XXXX as charging late fees and service fees and what not.
I have a loan with The lending Club in XXXX XXXX, CA. My loan has a grace period until the tenth of each month. I will often call like I did today and make my payment. Today is the XXXX, Friday. They then tell me that my payment, even though I am calling it in on a friday in the morning, wo n't post until Monday the XXXX. And that my payment will be considered " late '' internally. This is fraud. You can not take a person 's payment in good faith, two days before the grace period ends, and then because YOUR company takes a few days to process the payment, mark their account as late. This is illegal. They can take my payment, mark my account as paid, and within the legal grace period and if it takes them two days to process then that 's on them. Not on the consumer. I am making my payments on time. I have each and every month. And my account has been marked late " internally '' several times due to this issue. I would appreciate this being corrected within their company.
XXXX " lied '' to me at the XXXX to XXXX XXXX closing for my REFI mortgage ( who sets a closing at XXXX to XXXX? ) I had a XXXX XXXX at XXXX but my medicine was outside in the bag on my bike. They knew i was a XXXX person because they demanded a copy of my XXXX XXXX award letter for proof of income. I was promised a loan note XXXX above my XXXX original amount. That 's a total of {$84000.00}. Yet 2 months later when the Fed-ex delivered my new mortgage, the amount was XXXX plus. 
So, you ask, why did'nt i cancel or refuse the REFI during my 3 day " recission '' period? The short answer ; i was denied the 3 day recission period. Also, during the closing, i asked XXXX times for a copy of the note so i could take it home and show it to a real estate attorney. Closing agents said and i quote, " XXXX XXXX, there are XXXX pages in this refi note and we have to get every page upstairs to be notarized. '' Both closing agents resigned 4 months later. My note is above XXXX and set at 40 years. Please do the math for a 40 year note and you see how screwed i am. I will be grossly upside down for the rest of my life. My credit is " shot. '' I ca n't even replace my broken refridgerator. My tv is 20 years old ( analog ) and the picture is awful. Can ; t finance or buy a tv either. My only transportation is a used bike. U get the picture. thank you.
On XXXX XXXX, 2016, I submitted a home equity payment to a Charter One Bank Account that had been closed for 15 years. Realizing my mistake, I notified, on XXXX XXXX, Citizens Bank, who had purchased Charter One Bank, but they could not locate the check. I submitted all documentation they requested ( proof of electronic payment made and cashed from my XXXX checking account ). See Attachment. XXXX also issued a case number XXXX and contacted Citizens on my behalf. After hours of conversations with bank personnel, I endured a quagmire of misinformation and constantly found myself back to square one. Finally the check was found on XXXX. I was issued Citizen 's case number XXXX and told the check would be mailed out in three weeks. On XXXX XXXX, I was told the check was sent out and would be received in 3-5 days. The check did not come and after another call a manager, XXXX, told us the check would be sent out XXXX and to allow TWELVE DAYS for delivery. To this date I am not in receipt of any funds. This has been an aggravating and costly ( emotionally and financially ) experience involving either incredible incompetence or out and out lying. The bottom line is that a reputable institution would have immediately returned a check written to a defunct account in the name of a non-existent bank. Citizens Bank has had XXXX dollars for 50 days to this point and has not made a good faith effort to remedy the situation. Again, I have yet to receive reimbursement and all but one phone call was made by me to their institution. I think their shoddy, questionable banking practices warrant investigation.
I applied for & received a loan from Bank XXXX which was then transferred to OCWEN for servicing. In XXXX 2015 I was notified by OCWEN that my loan was a balloon loan which was the first I heard of a balloon loan. I started working to refinance with XXXX when I was told by XXXX that I did not have a balloon loan therefor they could n't refinance. Many hours of phone calls with OCWEN followed with some people admitting that I do n't have a balloon loan while others say I do. Nowhere on my promissory note does it say anything about a balloon loan or balloon payment. I just finished a call with OCWEN when I asked the operator to forward a copy of any balloon loan disclosures I signed. He searched for over an hour and determined that there was no such disclosures signed. I 'm not sure where to go from here but my loan matured XX/XX/2015 and they are now threatening foreclosure. When I enter the terms of my loan based on the promissory note in a loan calculator it shows that it would be paid off XX/XX/2015. HELP!!!
I do not have enough room here so I'll keep it to the bare minimum. In XX/XX/XXXX BofA granted us a loan modification. They did not honor the new payments. According to the most recent " reason '' they did not is they claim the payment amount was not enough to cover the escrow account. I have a letter from BofA that I received in XX/XX/XXXX showing that there is {$44000.00} ( that's XXXX ) IN THE ESCROW ACCOUNT. Right now. It seems to me that this agency, CFPD, is not for the consumer and does nothing but defer to the company there's a complaint about. I have had thousands of conversations with BofA and not one person seems to know what's happening! They rescinded the UNLAWFUL foreclosure that they did in XX/XX/XXXX due to the fact that it was " invalid due to an agreement between the borrower and the servicer prior to the foreclosure sale. '' THEIR WORDS. They NEVER TRIED TO RECTIFY THAT MISTAKE! They have spun up whatever story they see fit as to why they can illegally foreclose. I was making the required payments under the modification agreement!!! The last administration gave Billions of dollars to the BANKS to fix the problems they caused. They have done no such thing. I have all documents to prove that I did nothing wrong!
The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX {$36000.00}
a company called EOS collection was paid in full for the original creditor XXXX. I think it was a cell phone bill. I did pay off the debt and asked EOS to update the credit companies. It has been over a year that the debt was paid in full for the total amount yet it still remains on my credit reports. I am asking for them to be removed since the debt was paid in full. I have tried numerous times to contact them and asked them to call they have yet to obtain removal for credit report.
1. I sent in supporting information to reflect an account as paid in full 2. The reporting agency keeps ignoring my request to have my account updated 3. I mailed out the attached letter of satisfaction to the following reporting agencies Equfax / XXXX   and XXXX XXXX and never received a response in over 4 years from either. 
4. Equifax/XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX 5 . To many names to remember over the past 4 years
For the past week have been getting numerous phone calls on my home landline that I do not give out from various mortgage refinance companies claiming that I requested a refinance quote and that my   XXXX   credit report was pulled for this. I checked my  XXXX  report and the only inquiries that do n't look familiar to me were to soft pulls from credit karma one week ago.
On or about XX/XX/XXXX I purchased onlinetwo XXXX tickets from XXXX  to XXXX on Delta airline. At that time while I was online, I was offered a XXXX mile Delta air miles bonus and cash bonus upon use of the card to purchase an approximate {$1000.00} over a specified period of time. I applied for this card, and was immediately notified of my acceptance for this offer. I received the card in the mail on or before XX/XX/XXXX, and called and activated the card on XX/XX/XXXX. Following this activation process, I asked for a confirmation of the mileage offer which I had applied for in XX/XX/XXXX. The representative indicatedl that There was no mileage bonus for this card because I had previously had an XXXX   Delta card. I then requested that they cancel the card and provide me with an email confirmation of the cancellation. They indicated that they would only notify me via mail of the cancellation.

I contend that XXXX   Delta failed to honor their online offer made to me, and as a result I have cancelled a credit card which will adversely affect my credit rating.
This is a debt from a lease that I ended without property damage or penalty, and the landlord and I never discussed additional monies that I owed. There was no communication on the part of the landlord or debt collection agency, and I deny responsibility for this collection amount.
A debt collection company who identifies themselves as XXXX has been making several illegal robocalls to my cellphone and hasn't even sent me a validation letter. I've had no written. I have no idea what they are accusing me of owing them. I'm not aware of any possible debt that would be in collections. All I know is they have been sending robocalls to my cellphone without my permission. This began in XXXX and the last automated message was sent onXX/XX/XXXX.
Ditech, formerly Greentree, a financial institution holds a XXXX lies on my residential dwelling. The XXXX mortgage was originally done through XXXX I think. But now, Ditech has the loan and for the past year, has refused to give me a copy of the contract and payment structure. This has prevented me from refinancing the home and getting a better interest rate. Currently we have a 6.5 % mortgage with Chasey on a 30 year fixed and a XXXX mortgage at 8.25 %. 
I believe we are victims of racial bias based on prior lending practiceso of the XXXX XXXX XXXX, who was part of the original loan. I have decided to withhold payment from Ditech until such time that they render to me the document ( s ) I have previously requested and they agreed to send.
I transferred XXXX ThankYou Points ( Citibank ) to XXXX XXXX to book award flights on XX/XX/XXXX. The transfer was instant, but XXXX 's website was having serious technical issues and the booking was not successful after several contacts with XXXX 's customer service. On XX/XX/XXXX, two days after I initiated the transfer and saw the booking probably never would be successful, I contacted Citi and Citi initiated a point dispute. Citi 's service  agent reassured me that for a case like this ( technical error on XXXX 's side ), the dispute would be successful, and they would call me back after they heard back from XXXX. However, I haven't received any calls and after a week, when I contacted Citi once again, the agent said the dispute was not successful, and the point reversal is not going to happen the moment I transferred them. Citi basically refused to argue with XXXX on behalf of their customers and Citi ThankYou Points customers literally have no protection at all after they initiate a transfer.
I have requested for the company to validate the with a copy of the original agreement bearing my signature. All I receive is copy of bill with a name that is not mine correct name.
On XX/XX/XXXXXXXX my back account when I filed bankruptcy in XX/XX/XXXX.