WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2007 i was contacted by XXXX, i was told i was going into default and defaulting on a loan would affect my credit adversely ( the dept of education would take any income tax returns i might be entitled to, and taking my social security benefit at retirement to repay the student loan ). I was unnerved and i did not know who to get valid information from. i contacted a lender provided by the dept of education and XXXX, the lender told me my best option would be to consolidate my subsidized and unsubsidized loan and that would stop the dept of education from taking my income tax returns and at retirement my social security benefit. I borrowed {$43000.00}, XXXX stop providing loans when i reached the {$43000.00} loan disbursement amount. I became behind in my expenses and my debt me to fall behind and eventually defaulting on my student loan. I received my student loan statement and my student loan debt doubled i was told i owe for the loan i actually borrowed from while i attended school but also for another loan that i did not borrow for. I am currently not non default and i received a loan schedule from Navient and my repayment amount has increased from {$360.00} to {$580.00}. I can not me those terms and I am being charged for a loan i did not borrow from or use.
On XX/XX/2017, I wired {$10000.00} to Coinbase from my XXXX XXXX XXXX business account. A couple of days later, I received an email from Coinbase saying my fund was reversed due to name mismatch. Now It has been about 40 days, I never received my money back. I tried to contact Coinbase thru phone call and email, but NEVER got replied. I checked on XXXX and found hundreds of people having the exact same issue just like me. 
I believe it is absolutely illegal for a company holding hundreds of thousands customers ' money for such long time. And Coinbase they never reply your inquiries. 
That 's why I 'm filing a claim here trying to get help. 
Thanks.
XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I asked the company to stop calling but they continue to call. They are not an original creditor and I do not know how they got my information.
On XX/XX/2018 I received an email alert from American Express stating my account was cancelled and closed. I immediately looked online to my account and saw over 10 payments returned as NSF. I then went and checked with my bank account which I had already had to dispute transactions with and saw none of those accounts had those payments trying to show as coming through. I started to look further and saw my other cards were compromised I then looked online at my credit report and saw many inquiries and I confirmed that my identity had been compromised. I then contacted American Express and let them know of the issue and was told since this has just started or that the account was just closed it would be more sufficient to wait 24-48 to appeal the closure and send in supporting documentation. I wanted to dispute the cancellation of my credit card as this mess was created due to identity theft. Not only with fraudulent payments being made but also fraudulent charges were also added to my account. I have attached the police report, FTC Affidavit and I printed the statement for the past three months and marked off the disputed activity.
I am XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX I did apply for a loan # XXXX with Citibank on XX/XX/XXXX before I apply fir the loan they gave me a pre-approval letter stating they will approve XXXX anyway I did find a condo I did want to buy in XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX.with the closing day in XX/XX/XXXX the bank requested a lot of documents with I did provide they did have long time to decide to approve or denied but this took that long either they did not responded about the loan was declined until XXXX/XXXX/XXXX with the expectation that was going to be approved but was denied.that caused me to the seller get upset and try to keep the earned money which was so unfair to me after expending so much money I had to hire a lawyer just to get my money, lawyers expenses {$500.00} earnest money the seller kept {$900.00} extra expenses homeowner application {$150.00} inspection {$190.00} papers {$150.00} I want to the bank be responsible for all damages caused me plus stress and waisted my time The people who worked with me were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I returned a {$75.00} Item to XXXX. The refund was applied to a XXXX XXXX Personalized Visa card. Shortly after this transaction I was no longer able to log in to my account. When I called US Bank ( the administrator of the Visa card ) to find why I was no longer able to access my account I was informed that a return was processed to this visa card however the original purchase had not been made with this visa card. They informed me that my card was inactivated and the full balance of {$350.00} was not available until the return was reversed or I produced receipts for the transactions. I informed them I did not retain the receipts from the purchase and XXXX is not likely to forcibly remove the return from the card. They informed me that those were the only two options. I asked them to close my account and send a check for the outstanding balance. They would not close the account they would only deactivate the account. I informed them they had no right to deny me access to my full prepaid funding over a difficult to reverse clerical error that represents a fraction of the full amount I had put on the card. They offered no other resolution. US Bank has manipulated their policies so as to leave my funding ( paid in cash ) in an account inaccessible to me until their monthly service fees consume the balance and then the account would be closed. I feel US bank has implemented policies that facilitate what amounts to theft.
I am presently going through a divorce. My soon to be ex lives in my house. I pay all ulitities, mortgage, property taxes. I reside at another residence, due to the constant XXXX. I never did a change of address, as I 'm planning on moving back into my house when we can get her out. I started to notice a month ago that I was suddenly getting non payment of bill notices. I then went to my XXXX XXXX account, and discovered my score was down XXXX points. I then called the companies, and was informed that they had sent out numerous notices. I never received any notices from any company. I then made a formal complaint with the USPS Inspector. She has been throwing out my mail since at least XXXX. I do n't know how I can be responsible for any bills I 've never received. She also, without my permission tried to change my XXXX XXXX password, without success. Is n't that sort of illegal? If it is, please explain what legal recourse I have. Please any advice you can provide me would be greatly appreciated. Thank you
On XX/XX/XXXX, I was charged {$12.00} for Overdraft Protection Transfer Fee. 
On XX/XX/XXXX, I was charged {$35.00} for OVERDRAFT ITEM FEE On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for a check # XXXX On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for an electronic transaction. 

I have not yet contacted the customer. I can understand the charge for the check, but the other fees seem excessive and unnecessary.
I received a {$500.00} American Express prepaid gift card from a family friend for XXXX. She bought it straight from AmericanExpress.com and had it FedEx expressed to my house. I am a college student and {$500.00} is a lot of money to me. I got the card on XX/XX/XXXX and did not spend any until XX/XX/XXXX. At that time I spent {$54.00} at a company called XXXX. I ordered it from their secure online site and received my purchase. I tried to swipe it at XXXX XXXX in my hometown and it was denied on XXXX XXXX XXXX. At that time I went online to check the balance and the balance was {$0.00} and looking at the charges I know I made none of these. It was quite obvious since I do n't live in New York and do n't have a T-Mobile account or shop at XXXX, or even know what XXXX are. These thieves are so certain that nothing will be done about it that they even paid their POST PAID cell phone bill, XXXX, and even shipped things to their home address. I got {$440.00} stolen from me and when I contacted AMEX they told me that sorry it 's treated like cash and there is nothing they can do about it. So what this is telling me is AMEX got their {$500.00} and take no responsibility that my {$440.00} was stolen because they already got their {$500.00}. I do n't understand how AMEX is allowed to do this, because it is not only supporting theft but also AMEX themselves are stealing peoples money.
recently I put in a complaint that asking why XXXX was on my mortgage assignment and ocwens answer was they aquired my loan through XXXX in 2013 as part of XXXX bankruptcy ... but when I showed them different with paperwork they said it was a mistake ... i want to know why XXXX is on my corporate assignment of mortgage??
My property is being foreclosed on XX/XX/2016 without appropriate notification. Th representative does not know at nation star mortgage what happens at a foreclosure sale date was not able to provide sufficient answer the only I found out was by a foreclosure preventive attorney who sent me the notice of sale date attached. I have ill mother at home they sent XXXX field office officer who banged at the door so hard my mother was scared did not open the door they left a notice at the door stating mortgage holder will have the property winterized. This is harassment not a process. I declined the modification because the monthly payment was too much. The resolution I require is appropriate notification of sales date, if possible why cant the mortgage company work with current housing market value instead of a loan balance of XXXX the house is only worth XXXX please take this complaint to a escalated level I am harassed by nation star Mortgage
TD Bank is deceptively advertising new checking account bonuses which are impossible to receive for anyone, like myself, that receives Social Security Benefits due to their terms, despite the fact they specifically mention Social Security. I was about to open an account after visiting their website, however after reviewing the terms and visiting XXXX I can NOT have a Direct Deposit even start until 2 weeks beyond the allotted time frame of 60 days from account opening. Furthermore XXXX of the bonuses would need not only XXXX Direct Deposit from Social Security but at least XXXX or more or perhaps even more for other recipients. As of today XXXX/XXXX/16 the options from Social Security are : When would you like this change to take effect? 
Starting with my payment in XXXX 2016 Starting with my payment in XXXX 2016 Yet their terms, link below, state the following : XXXX " *Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Premier CheckingSM account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a XXXX. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. '' Their offer is not only false & deceptive but also discriminates against any Social Security recipent.
I had a business credit card account with Bank of America. The payment was late. They took money out of my personal checking account without my authorization. When I called Bank of America they refused to investigate the charge. If they had a judgement I can see how taking money out of my account would be fine, but they do n't. My personal checking account is not linked to the business account ( for a reason ) and there was n't enough in the business account for them to siphen money from, so they took it out of a personal account instead. When I called to dispute the charge I was told that I 'd have to dispute it with the credit card department. If it had been any other creditor I would be allowed to dispute it with my bank for an unauthorized charge ( listed as a debit card purchase ). The representative said that the checking account was linked to the business credit card which is completely false, but still I did not authorize that charge. There is no judgement that would give them access to my account. If I were having this dispute with any other credit card company they could n't just take money out of my account without my permission or a judgment and the judgment would be against the business as again this is not a personal account.
This collection agency has no surety bond in the state of Texas.They are illegally attempting to collect from me.They refused to take it off my credit report.Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402-.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice. 

Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. If you notify the secretary of state, this office will notify the third-party debt collector or credit bureau of the bond filing requirement and, if necessary, refer the matter to the attorney general for investigation. Please report the names of any third-party debt collectors and credit bureaus that do not have bonds on file to : Registrations Unit Statutory Documents Section Office of the Secretary of State XXXX XXXX. XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX I have filed a report.I hope you will take action.Thank you
I submitted my corrected application for Repaye income based repayment to FedLoan Servicing on XX/XX/XXXX. In XXXX I paid my bill. In XXXX they said to wait for the IBR application to process and they were going to switch me to forbearance for a month but had to pay {$5.00}. On XX/XX/XXXX they cashed my check for {$5.00}. In XXXX, I called and they said they forgot to apply the {$5.00} to the account so keep waiting for the XXXX bill which will be the Repaye amount. Today, XX/XX/XXXX, I call and they said that my account is past due and that my application is expired because its over 90 days old. They offered to put me on forbearance for 12 months and told me I have to reapply for IBR because they cant process my application. Its now too old. Today is the first time I heard that the application is not being processed due to it being too old. 

Also none of the representatives that I spoke to in XXXX or XXXX told me that the application was too old and that I needed to reapply. They kept telling me to wait until the Repaye bill was sent in XXXX and to not pay the standard repayment plan. That the {$5.00} forbearance payment was supposed to cover that until the Repaye kicked in.
Received a letter in the mail from XXXX XXXX XXXX claiming I owed {$5800.00}. The original creditor is listed as " GE Capital Retail Bank '' despite the fact that I 've never had an account or any sort of contact with said bank. On top of that, the charge-off date is listed as XX/XX/XXXX even though I did n't have any sort of credit account until XX/XX/XXXX. The claims are completely bogus as far as I know and have no merit to them.
Over the last 14 months I have asked for Validation of a medical bill Just to be told it meets FCRA.
I have tried to show that the accounts are dulicated by two Collection company 's. If the Reporting agencies remove one Collection it will sale the account to the next Collection company and at other times both Collectors will report the same account with different Reporting Agencies at the same time.
I need these accounts removed or properly validated and only one company to report it and not duplicate it. 
CommonWealth financial Systems XXXX Reporting Agency. {$880.00} Dulicated. 
XXXX XXXX XXXX. XXXX XXXX XXXX. For {$880.00}. 
Creditor is XXXX XXXX in all wrong reports. 
Thank you in advance for your help. 

Very thankful.
As of 2016, I have been trying to clean up my credit report and there is still have been fraud information and lots of inquiries. I have had a hard time trying to connect with experian. It does not let you speak to person like the other creditors do but it is hard to l let them know that the information needs to be taken off so that my score can be corrected. I have also sent a police report to let them know that whoever it is has stolen my identity and I have a fraud alert on my account. So why are these inquiries still on my credit report? I have called the experian phone number but like I said it will not let you speak to a live person to discuss these issues. The phone number to which they gave me was XXXX. It does not work and I can not talk to alive person.
Why did your company deny my right to a complete servicing file, in CFPB complaint number XXXX? In your response dated, XX/XX/2016, your company responded ; " Please note, all other items are considered unduly burdensome and will not be provided. '' My house has a set foreclosure sale date, XX/XX/2016, due in part to errors contained within account. How is assisting me, by providing requested documentation, I have rights to under RESPA, in efforts to prevent the foreclosure of my home, " unduly burdensome ''? How is obeying, rules and regulations, set forth by RESPA, in execution of duties as role of servicer, " unduly burdensome ''? Please explain in detail. 

Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome, and should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once. 

Please cease foreclosure proceedings in relation to this account, and fix all errors, in relation immediately! 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
On XX/XX/2018, I made an online payment from my XXXX account to my TD VISA ( a  transaction that I've made monthly for over a year ) for the amount of {$3600.00}. After several days of not posting on my TD VISA account, I contacted XXXX and TD to determine what was happening. XXXX informed me that they have proof of payment, the funds were electronically withdrawn from my account, transferred electronically to TD VISA and were withdrawn by TD VISA. I also went online and saw the proof of payment document confirming what XXXX reported. However, TD VISA states that they have no evidence of the electronic payment and that they do not accept electronic payments, XXXX is supposed to send TD VISA a paper check for the amount. This was news to XXXX when I informed them of this ( TD VISA has never informed them of this and if it was the case, TD VISA should have rejected the payment ), and they noted that all of my payment electronic transaction from XXXX to TD VISA in the past were made via electronic transfer. XXXX is in the process of mailing the proof of payment document to TD VISA to show that TD VISA in fact did accept and withdraw the funds. I am very concerned that this is going to become an issue with neither institution accepting responsibility. Also, I made a second payment to completely pay off my card for {$17.00} and it is having the same issues. XXXX is also in the process of mailing this as well.
Portfolio Recovery Associates are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with XXXX  XXXX and XXXX and also sent Portfolio Recovery Associates debt validation in which Portfolio Recovery Associates has not responded.
Someone logged on to one of my credit card accounts as me, changed the mailing address, added himself as a user and turned off fraud alerts. No charges were made but Synchrony bank handled it horribly. Not only did they not check with me first -- despite the fact that I have never lived or had dealings with anyone in the state he claimed to live in -- but after I closed the account they sent a new card TO HIM. I later canceled the card entirely and also another card the bank owns. I called to double check and one card was still open. They are awful.
They keep calling and asking for someone who has never lived at our number which is a land line and we've been here since the house was built and I've told them they have the wrong number for whoever it is their looking for but they still keep calling asking for that person.
On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX-XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.
The amount of XXXX was made on X/XX/2017 by me to the XXXX  accounnt of XXXXXXXXXXXX for a XXXX purse that she claimed she was selling. This account is her husband 's XXXX account. She told me to send money under friend and family because she did n't want to pay the fees. The order got canceled, I did not received what I paid for nor refunded even though I had asked for signature for confirmation. I have tons of proofs that this person was a scammer. I contacted XXXX, there was nothing they can do. I contacted Bank of America, they said there was nothing they could do because the way the payment was processed through my routing number and my checking number. I think it is not right how I got scammed for my money and theres literally nothing anyone can help me. BOA said if i used my debit card, it would have been a different story but how do I put my debit card info in XXXX. My card is linked with my account and thats how I believed it should be the same thing was used in XXXX. Please help.
I have credit monitoring. Well recently some hard inquiries have shown on my report that were not there previously. I did n't get a notice that they were going to be added back on. I have called the companies and they say I have to call the credit agencies to resolve it. I call the credit agencies and get a foreign person that says they can not help me I need to call the business. At this point I am frustrated because I am trying to upgrade in home for my kids and this is keeping my scores down. I need them removed. I also know that there has been some reported glitches in more than one of the major credit reporting companies and I do n't understand why end of last year the inquiries were gone the re appeared this year just does not make sense, then to bring my score down in points is devastating in the least XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX X/X/16