WillisBack/dataset-financial-user-claim huggingface dataset:
Eppicard does not want to reimburse me for fraudulent transactions done on my card. I use the card to keep my children 's child support separate from my checking account. I do not receive payments as agreed in the divorce decree. The last payment I received before this incident was on XX/XX/2016. I checked my account online on my birthday on XX/XX/2016 it said that there was a deposit on XX/XX/2016. I called my card on XX/XX/2016 to verify the balance. The automated system said that I had a XXXX balance. I called and spoke to a representative who said that I need to file a complaint which I did. I received the results to the investigation which stated that I am lying and they will not refund my money. I have had an eppicard for 4 or 5 years and have never complained of any mistakes or discrepancies. I complained that someone stole my information and stole the {$89.00} that was support for my children and they accuse me of lying. Realistically the odds of someone stealing my card information and my money is greater than me withdrawing the funds and telling them that I did not. I want my money.
I have filed a previous report with CFPB due to synchrony banks contact and refusal to accept police reports and id theft reports from local police. This account is not the only one that was obtain, all others have been closed and removed from my credit. 
This bank for Walmart credit card has refused to remove their reporting from my credit and is now contacting friends, family and employment stating I dont pay my bills, which I have no bills and dont use credit cards. This account isnt mine and I am not paying someone elses fraud
I recently received a copy of my credit report. On my report it show a collection account for receivable performance for {$82.00}. I never received anything stating this was being placed on my file or that I ever owed this debt! Because I did not recognize this account as being mine I sent a certified letter asking for VALIDATION of this debt to the collection agency on XX/XX/XXXXwhich was received by a representative of the company on XX/XX/XXXX. I requested that this debt be Validated within 30 days of receipt of my letter.. and if they were unable to send Validation Per the FCRA guidelines the alleged debt should be removed from my credit file. I have the right to have a alleged debt validated. As of today i have not received any communication from the collection agency. Per FCRA if they can not validate this alleged debt I must be removed as a account on my credit file because it doesnt belong to me! I am now asking that the information be removed from my file as the debt has failed to be validated. I am trying to obtain financing and this black mark has been detrimental to my ability to obtain credit.
On XX/XX/2017 i got an Email from XXXX that my Account is blocked due a violation of Terms of Service. I don't know what I made wrong but i accept their decision of Account closure. 

My Account is blocked now since XX/XX/XXXX and since then i try to get in contact with the support to verify my Bank Account do withdraw the Rest of my -Funds from my Account that the Account closure can be finished. 

The Problem is, that the Coinbase Support Team only sends standard answers like " We will look with expert and try to solve the problem ... '' After the standard answers there come no advises or help from their side. 

I accept the decision of closing my Account and only want to withdraw my funds on my Account to follow up with the Account closing. 

When i login to Coinbase i only have Access to one Page where i can fill in a Bitcoin oder ETH adress to send coins to. ( Have no BTC or ETH on my Account ) Next Option is to choose bank Account to withdraw the funds, but i can choose no bank Account because i cashed in by Creditcard. 

Please help me to find a solution with Coinbase to get the Rest of my Money and that my Account can be closed afterwards. 


Since XX/XX/2017 i only get the same standard answers or no answers! 
They sometimes sent me some links with a how to deposit and so on. 
But when i try to open this links i always get referred to the site " Account is in closure progress '' and only have the chance to choose where to send my funds. 

My only problem is that i cant choose a verified bank Account, and i get no answer how to verify. I only need a way to get my money back, doesn't matter for me if with verification or another way. 

Hope u can help me to finish this Best regards XXXX XXXX
I am writing this letter to file a complaint against Trans Union regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all 3 Credit Bureaus. When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card,  Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX XXXX, Trans Union and to XXXX XXXX numerous times for their review and to this day still no response. In XXXX XXXX I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX Card and been faithfully paying that account on time as well. By now having those 2 accounts should have helped restore my credit history and generate a Credit or FICO score for me.
Experian continues to violate my rights under FCRA. I have disputed several times regarding XXXX XXXX  University. The account was settled in XX/XX/XXXX and I was informed XXXX  would not report to credit bureaus. Screenshot showing settlement uploaded. In XX/XX/XXXX, Experian begin inaccurately reporting this settled account as a collection account with late payments in XX/XX/XXXX. They also reported it inaccurately as an unsecured loan. So now my credit report has a derogatory account showing a late payment in the last 30 days. I contacted XXXX XXXX, a Collections Manager at XXXX XXXX University about my issue. His contact information is XXXX XXXX  Collections Manager XXXX XXXX University XXXX   ( office ) XXXX ( cell ).

He sent me an email stating this was an error and he would make sure to remove it from my credit report. Screenshots of email uploaded. I called Experian to share this info and was yelled at by one of their Customer Service agents who dismissed my concern onXX/XX/XXXX. Ive never felt so belittled. I would like to pursue suing Experian, not only for, inaccurate reporting but for XXXX XXXX as I am a person with XXXX. What recourse do I have?
I have been requesting verification of the following account that Equifax continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE
I have initiated a MoneyGram " send money '' transaction ( where they take the money from my bank account and give the money to a recipient abroad ). They found a problem about the transaction, some recipient middle names order not matching the recipient ID, and told me that they can not release the money to the recipient because of this reason and advised me to cancel that transaction ad do another one. 
I went on MoneyGram website and cancelled that transaction on XXXX/XXXX/2015. Regardless, they still took the money from my bank account, {$520.00}. No information was available on the status of this cancelled transaction on their website until eventually they shown a cancellation date for that transaction of XXXX/XXXX/2015. When I asked them why the difference between my cancellation ( XXXX ) and their posted data ( XXXX ) they answered that they needed that time to " properly process '' the cancellation. Hilarious. Their web site states, when cancelling a transaction, that it should take between 3 and 10 business days to get the funds back in the bank account, so one would think that it should start counting 3-10 business days when they do the cancellation. No clue that, before that, there is an arbitrary number of days that MoneyGram takes to " properly process '' the cancellation request. Hilarious, ridiculous, frustrating. 
Since I did not see my money coming back to my account I called them repeatedly, last time on XXXX/XXXX/2015. They keep transfering me form one person to another or let wait on the phone indefinitely ( about XXXX persons during the last call, until I had no choice but hang up furiously ) and can not give me a clear answer. When I asked them to be transferred to a supervisor they state that they have no supervisor ( which may be an explanation why they do n't know what they are doing ). Ridiculously, eventually someone advises me to check with my bank. Then I ask, OK then please give me the date when you sent the money back to my bank but they can not give me any specific date, keeps telling me that it can take time for the cancellation to be processed. Last person that I talk with states that it can take up to 45 business days to complete the refund. This statement seems inaccurate since what I have seen on their web site says between 3 and 10 business days, so I ask the person to direct me to the page on their site / policy where I can see that information but they are not able to do that. 
Bottom line, there is more than one month since I am waiting to see my money come back to my account and there is no sign that it will happen or that anybody at MoneyGram is capable to troubleshoot and give any valid information.
I 'm receiving calls from a company who will not give me their name threatening to have my license suspended over a payday loan that I have no recollection of. They are also threatening to have warrants issued against me. Not only will they not tell me their company name, but they will not provide any documentation about the supposed loan.
I have never had an account with Navy Federal. This is a fraudulent account and i would like for it to be closed out and removed from my credit report. 

Please Remove and close this account promptly.
XXXX and Equifax refuse to remove the three accounts on my credit, XXXX removed them already. XXXX REMOVED ALL EDUCATION ACCOUNTS BECAUSE THEY ARE NOT MINE! They belong to my aunt with the same exact name as me by marriage! Remove or Im getting a lawyer!
On XX/XX/2019 I was the victim of a computer scam. My XXXX  card was charged {$470.00} by XXXX XXXX. I never bought or received anything by XXXX XXXX. I was forced into this situation by XXXX XXXX at XXXX who fraudulently passed himself off as XXXX Customer Service and who took remote control of my computer. I later found out this number was not XXXX and XXXX never worked for the company. 
I called XXXX immediately after the charge was made to stop it and explained what had happened. I was assured the {$470.00} would be put in dispute status and the matter would be taken care of. I was supposed to get a dispute form sent to me- it never came. I called XXXX again and another dispute form was supposed to be sent to me- it never came. I called again and found out no forms were send to me but that the matter was taken care of because it was fraud. On XX/XX/2019 I got an email from XXXX saying the dispute was closed and the charges were valid. I called XXXX and was told to send a letter to the disputes dept. if I disagreed to reopen the dispute- which I have done. 
XXXX has handled this complaint very badly and ineffectively, never getting my side of the story in writing and lying to me about the dispute forms and about the matter being taken care of because it was fraud. It was bad enough that a scam had been perpetrated but worse that XXXX did nothing about it and sided with the scammer.
my key bank statement inXX/XX/XXXX, i was billed a past due amount of XXXX. i called the bank asked what it was.They stated after searching for a long period of time it must be a legal fee from years past. they were unsure what it was.I paid the XXXX the bank received the money on XX/XX/XXXX.the bank stated they would take it off and mark as paid. 
i received my may statement the same past due amount of XXXX was on my statement.i called spoke to a manager they stated it would be taken care of. 
I received my XXXX statement the same XXXX was still showing as a past due amount.i called and was promised it was taken care of. 
i received my XXXX statement the same past due amount of XXXX was there this time there was a XXXX for fees and charges. i called bank yet again could not really explain the XXXX dollars some type of monitoring charge i should not have been charged promised yet again that the XXXX and the XXXX would be taken care of. 
i received my XXXX statement it showed that i have a past unpaid amount of XXXX this time when i called i asked for for an audit of my account dating back to XXXX XXXX   of XX/XX/XXXX.i did not see the unpaid amounts on the audit they sent me this has gone on for five months with me calling every month.i have have numerous of other issues with key bank on this mortgage this is just the latest. 
this past XX/XX/XXXX i sent in payment from a different account the bank stated they could not read the account number so did not apply it to my mortgage making that month payment over due.
The federal law of 'right to refuse service ' has its limits, that may extend beyond civil rights. Likewise, as per the Consumer Review Fairness Act of 2017, it's illegal for a company to impose a penalty against someone who gives a review, which can even be about its customer service. ( Source : https :  //www.ftc.govXXXX ) I asserted my rights as a customer by tweeting against American Express ' poor customer service ( especially that of its overseas ' teams, which provide so poor quality service, that it seems they work on some sort of a contract for American Express , and aren't American Express employees ). Ever since I ( privately ) complained against a deceptive privacy & data security claim by providing audio of a call to the American Express Social Customer Care team ( XXXX handle : AskAmex ), it has been boycotting me by ignoring my XXXX & messages, and helping out everyone else who tweets to it. 

Until that point ( XX/XX/XXXX ), I had only posted a meme about their overseas customer care, and had posted screenshots of comments by one of AmericanExpress.com 's chat-based overseas customer service representative. I hadn't even been remotely rude towards the AskAmex team-members until then, and can prove it via my tweets, and XXXX messages exchanged with XXXX. I also hadn't used vulgar language, and had only provided my honest reviews, yet XXXX has been boycotting me since XX/XX/XXXX. 

XXXX is the best customer care team of American Express. 
I believe it's illegal for it to retaliate against me for posting honest reviews by refusing me service, even though it may disagree with my assessment or opinion of American Express ' overseas customer care teams.
XXXX XXXX owned my mortgage load from XX/XX/XXXX to XX/XX/XXXX. They then sold my mortgage to Homepoint Mortgage. My loan number is XXXX. I got a notification from my credit monitoring company, XXXX XXXX, that Homepoint Mortgage has put a delinquency notification on my credit. I paid a mortgage payment on-line over and above my mortgage amount on XX/XX/XXXX. I've never received any paperwork showing any information on my mortgage from Homepoint, i.e. payment due, mortgage amount due, etc.
Received the following promotional email from Citi : Just make 3 XXXX purchases of {$30.00} or more now through XX/XX/2018. 

Citi Logo View in Browser XXXX XXXX XXXX Icon Cardmember since : 2018 | Account ending in : XXXX Citi Premier Card AN EXCLUSIVE HOLIDAY OFFER FROM CITI Gifts for them. Plus a gift for you. 

Learn how you can earn a onetime {$30.00} statement credit below. 

Man and his son sledding down a hill, next to a photo of a sled on XXXX. 

Earn a onetime {$30.00} statement credit after you make at least three XXXX purchases of {$30.00} or more each with your Citi card between XX/XX/2018 and XX/XX/2018. 

You will receive a onetime {$30.00} statement credit after you make at least three purchases of {$30.00} or more each at XXXX with your Citi credit card. Your purchases must post to your account between XX/XX/2018 and XX/XX/2018. The statement credit will be applied to your account within 2 billing cycles after the eligible purchases are posted. 

In order to qualify for this offer, the account must be open and current at all times. If your account is closed for any reason, including if you convert to another card product, you may no longer be eligible for this offer. This promotional offer is non-transferrable and applies to the account ending in the last 4 digits referenced in this offer. 

I met the terms of the offer completely and confirmed this with an online Citi representative who assured me that the {$30.00} statement credit would post within 48 hours. It did not. 

Citi has denied me several bonuses due to poor technology, poor communication, and an extremely flawed website. I have grown weary of their incompetence and would like to request a {$30.00} statement credit as soon as possible.
Capital One absolutely refuses to help with my two accounts that are past due! I have several cards that are past due, and the companies have let me make minimum payments and took away ALL INTEREST FEES!! CAPITAL ONE REFUSES TO HELP!!
In XX/XX/2016 I recieved a phone call from Keybridge Medical revue Management in XXXX Ohio stating that I owe XXXX in Ohio for XXXX medical bills of {$66.00}, {$190.00} and {$51.00}. The lady that I talked to at the collection company said that these outstanding accounts were showing up on my credit report with all XXXX credit bureaus and that if i paid them they could take them off my credit. I agreed to pay the collection company and gave her my debit card number. 

About 60 day later in XX/XX/2016 i checked my credit report and the medical collections were taken off my XXXX and XXXX reports but on my XXXX report it remains as a paid collection. 

I called the collection company in XX/XX/2016 and the collection company instructed me to dispute the information with equifax and they would take it off of my equifax credit report. 

I have disputed the XXXX paid collection accounts on my credit report multiple times but equifax, and Keybridge Medical Revenue Management will not remove the XXXX paid collections from my credit report.
I  have a student loan through Navient.My last year of college, the financial officer at my college refused to call them and tell them I was still in college. She said it was my responsibility. No other student with a loan that I talked to had to call Navient, but I called them anyway. They said it was the responsibility of the financial officer to call them not me. I told the financial officer that, but she still refused to help me and was adamant that calling Navient was my job not hers. When I called Navient back, they said my account could   be put on deferral, which was fine by me. However, when I checked my credit score, the 40 some thousand that I owed for my school loan was on my credit score report. If it 's in deferment, how can can it be used against me like that? I just graduated on   XXXX   XXXX   of this year! I should not have to start paying back this loan for at least six months. That was my understanding when I took out the loan.    I ca n't find the document that says that my account was in default, but I am enclosing one that says my deferment was coming to an end that was sent on  XXXX   XXXX ,    2017. I di d n't graduate till  XXXX !
I did a promotional balance transfer for {$12000.00} with 0 % interest until XX/XX/XXXX. The transfer occurred on XX/XX/XXXX. When I received my XXXX bill due XX/XX/XXXX, I paid the purchases that month in full of {$970.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$3.00} based on {$160.00} of purchases. I called and spoke with a representative on XXXX and questionned the interest charge. I was told that they would waive the fee ( which they did ) and that to avoid this in the future, I needed to pay the purchases in full each month plus the minimum payment due. I paid the total purchases of {$49.00} and my minimum payment due of {$120.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$4.00} based on {$230.00} of purchases. I called on XXXX and complained and I was told that it's a computation I'll have to complete each month by taking the new balance less the balance transfer and pay that amount. I actually paid more than that amount so the answer makes no sense. She waived the charge again but I have no way of determining what they are charging or why when the transfer balance should be {$0.00} interest and I am paying my purchases in full plus an additional amount. The customer service is terrible and they never have an actual answer as to why the interest is being charged or how the amounts are calculated.
We made a dispute with our credit card agencies agains Midland Financial Services because we noticed a debt that either my husband or I even knew about. We were out of country when they put this on our credit report. 
After investigation, the so called debt from Midland was removed from both my husband and I credit reports -3 times!!! This took place first XX/XX/XXXX then XX/XX/XXXX. 

Today, XX/XX/XXXX, Midland Financial garnished my husbands wages for a debt we have no idea about and they could n't even prove it because the credit agencies removed the debt off our reports. This is Illegal and unacceptable. We feel helpless in this situation. 

Please Help.
A/C # XXXX SLS ( Specialized Loan Servicing Company ) Names on Loan : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tel ( XXXX ) XXXXDear Sir/MadamSLS services a XXXX loan on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
The payment is due on XX/XX/XXXX, with 15 days grace period. I make my payments on a timely basis via US mail. I use their stationary snf envelope for address. I attach payment stub.They do not credit my account and call me and say that I have not made the payment. It is either of few things : 1 ) they lie and post the money after the grace period is expired intentionally to earn late charge. 2 ) their bookkeeping department is losy and organize or 3 ) they have deal with XXXX XXXX and want me to pay alomost {$10.00} to XXXX XXXX if I go pay-by phone, 4 ) some one in SLS bookkeeping steals checksor 5 ) some one in post office with zip code of XXXX steals mail, the chance of which is really minimal. I have to pay for fake late charges to the benefit of SLS.
XX/XX/XXXX was the last time I made a purchase from Coinbase. 
On XX/XX/XXXX, I was hit with the following charges and their corresponding 'international service fees ' : {$100.00}, {$0.00} service fee, {$200.00}, {$1.00} service fee, {$750.00}, {$6.00} service fee. 
These charges seem to be duplicated because on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I made purchases in the amount of {$100.00}, {$750.00} and {$200.00}. 

I immediately tried to contact Coinbase by phone but was unable to speak with a live person. I submitted a ticket on their website but have not hear back. I realize it has only been a day but a lack of {$1000.00} is detrimental to me. 

My bank does not recognize this as fraud since I have done business with Coinbase before, although they were able to open an investigation and dispute the charges.