WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is with coinbase. I have used them for years to buy and sell cryptocurrency. My daughter and I went to XXXX in XXXX and spent 7 days there. Upon my return and trying to sign into my account I gpt the following error message. <P/>Notice of account closure and pending disablement. Dear XXXX XXXX, We have reason to believe you reside in a country in which coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. treasury departments office of foreign assets control. As a result, we 've unfortunately had to close your coinbase account. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us as XXXX immediately and provide us with a copy of a photo ID and proof of your current address. If you account had a balance you will need to contact the U.S. treasury dept to request permission to access your funds. Respectfully, The coinbase team. <P/>I have sent I 'd verification and address proof on XXXX, XXXX, XXXX and XXXX and the only response I have ever gotten was a canned response about them being busy and if my issue is n't resolved please resubmit. I have already applied to the treasury to get my funds unlocked but have never had any response from coinbase as to if they have received my documents .... other than the same message which I will attach. They have no phone number to contact and no address to use, all of which I needed to file for the permit through the treasury. Since my account t is closed I do n't know the answers to many of the questions on the treasury application such as When was it closed? How much money? Address and phone number of the financial institution. <P/>I sent the form in anyway explaining that I could n't get into my account to know when it was closed or how much money was In it as coinbase will not respond. I searched for an address or phone number online and have come up with nothing. I have asked them repeatedly to help me with these answers since I do n't know them because I ca n't access my coinbase account. I 'm very frustrated that I would take almost 2 months without even a personal response or confirmation that they received my information. I feel this company is extremely unprofessional and are ruining people 's lives by holding their money hostage, approximately 12-14k in my case with no regard for expediency or even  communication. Please help me with this issue. It 's like I 'm chasing my tail trying to simply get a response. As far as I know they are out of business based on their lack of communication and my money/and or coins are gone.
to whom it may concern ; i 'm writing this note because i 'm looking for some guidance in dealing with a situation which i 'm unfortunately stuck in and can not seem to extricate myself from. 
I started a mortgage modification process with XXXX almost 2 years now. while going through the modification process, XXXX apparently sold my mortgage to Shellpoint Mortgage Servicing with a P.O. in XXXX MI. 
I was n't very comfortable with how the process was proceeding so I requested to resume my payments to avoid further delinquency while we get the modification finalized. they returned my payments stating they can not accept payments while going through the modification process. 

here is the problems i 'm currently going through. repeatedly sent loan modification documents for 1.5 yrs now. bank keeps asking for more documents or claim they have not received documents sent. 
I engaged the assistance of a mortgage counselor just to ensure that the problem was n't with me. we gathered the documents requested, but every time we 've been to court they indicate to the judge that they are still missing documents. 
most recently I received an email from their attorney that my modification was declined because they did not get the information requested or there are documents provided in non pdf format and they could not view. when I saw the list of items they claim they did not get, it was the 1st time ever seeing them. in addition, I 've been submitting scanned documents in jpeg format for quite some time so not certain why after all this time they are not able to view. all this after receiving a letter from them on XX/XX/2017 that they 've " received your complete request for a loss mitigation program '', and they are currently reviewing the package to determine if the referenced loan qualifies for one of their programs. the notice i got from their attorney that they are missing information was on XX/XX/2017. 
I 'm now submitting a request for an Order of Mediation with the courts, but I fear that the bank will continue with the same practice of not really evaluating the application while my principal balance continue to balloon. 

Please help. 

thanks
I launched a dispute against Equifax on XX/XX/XXXX regarding the below accounts : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, NY XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XXXX XXXX, XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. To speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

On XXXX XXXX, XXXX, Equifax indicated that they had no record me previously filing a complaint regarding the above accounts. And indicated that I would received a notice within 30 days. After reading the response, I logged into the Equifax website and download proof that indicate my previous attempts regarding the above accounts. I have attached proof that Equifax did not investigate my concern properly, and I want these account removed from my credit report.
In XXXX XXXX processed a home equity loan in the amount of {$60000.00} without my knowing it. I was married at the time and did not know anything about the home equity until it was discovered I XXXX. This disclosure ended in divorce and me having to refinance my home to incorporate this debt. However, my ex would not tell me how this {$60000.00} incurred. A few months ago, I found the documents in a lock box. My name was blatantly forged on all documents submitted to the bank and the {$60000.00} check was made payable to my ex only. I want to know how this happened. I never knew about it.
I 'm being denied for a loan that I qualify for because my past short sale which settled on XXXX/XXXX/2011 is showing up as a foreclosure in the automated XXXX and XXXX XXXX underwriting report.
In 2011 my identity was stolen and my chase account was put in the negative XXXX XXXX after that they restricted it then closed it. I recently went to a chase bank in XXXX and tried to open an account and he told me i coudnt open one and he gave me a numer to call. I called and spoke to woman and she told me that i should have no problem at all with opening the account because when chase no longer wants to have you as a customer they will put it in your file and she also if i had any problem call them. I went back into the same branch spoke to the same associate and he told me i could open the account but it would go through a second review and they might close within two days and it did.
I submitted a request to defer my student loan payments because I am currently enrolled as a XXXX. I filled out XXXX forms provided by my loan servicer to request an in school deferment, Discover Student Loans, a " Deferment Request Form '' and a " School Enrollment Verification Form. '' The " School Enrollment Verification Form '' asked a school official to state the academic periods during which I am and have been enrolled at least half time, the date on which I am reasonably expected to complete my program requirements, the school name and address, the signature of an authorized official and that official 's title, and a date. The form states that " the school may attach its own enrollment certification report listing the required information in lieu of completing this section. '' My university did so, attaching a " Verification Transcript '' in lieu of completing the certification section on the " School Enrollment Verification Form. '' The Verification Transcript provided all of the information requested by the form ( and more ). I mailed the XXXX forms and my school 's enrollment certification report to my loan servicer. However, I received a letter back from my loan servicer, stating " We were unable to process your request for an In School Deferment because we were not able to verify your enrollment status. Please have your school send us a letter. '' The letter then specified requirements that a letter from a school official would need to satisfy, all of which were satisfied by the verification transcript that I had sent to my servicer ( and some of which were not listed on the " School Enrollment Verification Form. ''
Hi, US bank has an 'autopay ' feature to pay off one of there credit cards. Once you set that up, you can not go back to see when you scheduled to pay off your credit card. I called into US Bank to CONFIRM that I did schedule autopay to pay off my entire balance when it was due. 

The day the payment was scheduled, US Bank paid my full balance TWICE. This caused me to overdraft in my external bank account ( did not have enough money in that account for TWO payments ). US Bank then charged me interest ( {$11.00} ), 'returned fee charge ' of {$25.00} and more money at my external bank due to the overdraft ( which reversed the fees ) for a 2nd payment that should have never occurred. 

Again, this autopay payment was confirmed via a rep over the phone before it even went through. It paid my statement twice, causing an overdraft in my external account. I get hit with interest charged a returned fee charge for a second payment that should have never occurred.
I had accounts with Kay and Jared jewelers that were included in a bankruptcy in XX/XX/XXXX. Both creditors filed claims and received some payment. The bankruptcy was later voluntarily dismissed. I received a call from a " courier '' working for the " state '' from a number with no caller ID several weeks ago. The courier needed me to be at home or work at " XXXX with pictured ID to serve legal documents. '' I was referenced to a phone number in NY. When I called this number I was connected to " XXXX '' who told me my account had already been " sent by the lawyers to my state and county '' and I needed to immediately pay the balance of the collection account ( bought from Kay and Jared ) to cease " legal papers. '' In a panic, I paid XXXX and made arrangements to pay the entire balance ( over XXXX ) in 72 hours from my checking account. I was told I would need to sign a document forwarded to me via email to authorize this payment. I received the document, but DID NOT SIGN it as I am unsure as to the application of payments that were made through the trustee. To my surprise, the collection agency ( XXXX or XXXX ) withdrew over XXXX from my checking account without the signed consent. They money was promptly returned to the account by the agency after a fraud report was filed with our bank. 

Several days later, " XXXX '' from the collection agency called my husband directly and went through the details of the Jared account. My husband was never an authorized party on this account. It was NOT joint and XXXX had no authorization to discuss my account with anyone else. This is a violation of my privacy. Again, there was a " representative of the state '' who refused to identify themselves who had " legal papers to serve at my home or place of employment at XXXX. '' After these incredible unscrupulous ( if not illegal ) collection actions, I was shocked today to discover XXXX XXXX XXXX had listed these XXXX accounts on my credit report. Both show a date opened of XXXX XXXX with a first reporting of XXXX XXXX. Both of these listings make an old pre-bankruptcy account from XX/XX/XXXX look current. When I called XXXX XXXX XXXX I was told that these accounts belong to them, but were " out sourced '' to XXXX. When I stated the experience with XXXX, a very rude individual stated that XXXX was not the same as the agency that deducted money without authorization or discussed details of my account with someone other than myself. The customer service representative kept saying " if that is true tell me their phone number. '' I am not sure why there are so many different names involved with this account. ( XXXX XXXX, XXXX, XXXX XXXX ). I am also certain that these collection tactics can not be legal
I recently saw a new story and it mirrored my exact situation with Navient. I literally called yesterday trying to find a way to pay on my loan which has continued to climb and is now almost XXXX ... They have me on the forbearance plan when I am trying to get an income-driven plan to actually pay this down but I get XXXX luck with this at all. Then last night I saw this ( XXXX ) story and I needed to contact you to get on board with this. They told me if I am eligible for this " forbearance '' for 20 years that I would fall under the federal aid act and would wipe out my balance completely. Seems to me they are using people like myself as pawns to make a huge profit from our government in 15-20 years by killing consumers with interest.
Good day. My name is XXXX XXXX. I am receiving a lot of calls from a lady name XXXX XXXX from GC Services. They will not send me any mail but continues to call all day all night. She will not explain what the call is about unless i give her my SSN number. Now she just calls every morning, everyday like she said she would. I was a victim of Idenity Theft and i explained this to her and requested that she send me something in the mail and she has not.
Applied for an income based repayment plan to begin in  XXXX     2017. W ithout income taken into consideration my minimum monthly payment was {$700.00}. When I applied for an income based repayment plan, they quoted me at a monthly payment of {$300.00}. Not bad -- if I did n't have an already extremely tight budget, working as head of household, with a child, bearing full housing costs, etc. When I called hoping to lower that monthly minimum ( {$200.00} is my budget for my Navient loans, because I have other Perkins loans, etc ), they could not budge and insisted that I was already on the lowest possible repayment plan. They then asked me if I could change some things on my application like -- did I want ot say I was pregnant? Was I sure I did n't have any other dependents? Being honest, I said no. The customer service rep apologized for the bad news and said there was nothing else he could do to help me, and good luck. This has forced me into forbearance for 6 months -- even with a very decent job and good pay! I want to repay my student loans, but I need to work with a company that will work with me!
1. In  XXXX  we received notification of an escrow shortage and specifing a new payment amount of {$1700.00}  (  from the previous {$1600.00}  ).  We requested a second statement of mortgage payments and the anticipated shortage but have not received it as of  XXXX / XXXX /  XXXX  .    2.  In  XXXX  we received a mortgage statement for a payment of  XXXX  without any explanation. On  XXXX / XXXX /  XXXX   I called t he Suntrust Mort gage and the agent said that on  XXXX  there was an adjustment and the payment should be  XXXX .   It makes no sense that the payment should change so radically in a  one m onth period, especially since it was already adjusted in  XXXX .
There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted immediately.
In correspondence dated XX/XX/18 I sent this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. 
In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either. 
this is the frivolous account ; XXXX XXXX XXXX XXXX
Date it was open : XX/XX/2015 Amount : {$9300.00} Actions : I have been called multiple times, after being dress I informed them not to call me. They insist on calling me all hours of the day. This that was due to nonpayment of rent, because we apartment I was in had a leak in the roof causing the wall to mold. I have email after email showing that the property manager said that it was going however the issue was never truly take care of. I informed her and corporate that I would not pay my rent until the issue has been resolved due to the fact that the inhabitants was on livable because of the mold. I spoke with corporate on the phone and was told it would be taken care of, however it has not been. Considering it is still on my credit report.
Equifax is reporting an authorized user account that is not mine that needs to be deleted from my credit report. The account number is XXXX
I have made several attempts to have fraudulent inquiries removed from my credit report with no resolve. Some inquires have actually been duplicated.
My bankruptcy case # is XXXX Oder of discharge is XXXX/XXXX/XXXX Name of debt company is credit concepts out of XXXX, Oregon I filed chapter XXXX last XXXX, & everything went good, got rid of a lot of debt..I 've been doing good about building my credit score, doing everything right. 
.well today one of the accounts that I included in bankruptcy came back on my credit report today, saying account open, $ with a high balance.. 
Before, it would say. Account closed/ paid/ and that it was discharged under chapter XXXX 

I was getting close to having a XXXX credit score, & today it dropped XXXX points because of it!! 
I filed a dispute, does anyone know what else I can do?? 
Sorry this post is so long, any advice would be greatly appreciated, THANKS
I have flawless credit except one negative mark from XXXX 2013. BofA has sold my loan since then and I am looking to buy my second house but they wo n't remove this blemish. This was my only late in 7 years. I have disputed until I could n't dispute anymore and even contacted them directly. No luck. Can you help please?
On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery, called the CEO and the Chief Technology Officer of my employer. XXXX of these company leaders are based in XXXX and in separate offices, identifying herself as being from Performant and asked whether I was working. XXXX officers informed the caller such calls were not allowed at work and that the caller should make any calls on a non-work number ( i.e. a personal number ). 

On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery XXXX called the New Hampshire office of my company. In the XXXX of the XXXX calls, she left a detailed phone message with the office that included identifying herself as a debt collector. A XXXX call was made from this number XXXX hours later, XXXX. 

Prior to the XXXX XXXX violations, repeated hang-up calls have been made to the New Hampshire office of my employer from XXXX. In several instances, a XXXX telephone number, XXXX, has also made hang-up calls to the New Hampshire office of my employer moments later after the XXXX hang-up calls from the phone number ending in XXXX. 

Since the XXXX XXXX violation, robo and/or hang-up calls from the XXXX have been coming in daily ( including Saturdays now XXXX to the New Hampshire office of my company. 

Note : on XXXX XXXX, I mailed notice to Performant via certified mail with return receipt requested to 1. demand they stop calling my place of employment and 2. put them on notice they have violated FDCPA plus similar consumer protection laws in Massachusetts and New Hampshire XXXX 

I mailed a copy of my letter to Performant to the Federal Trade Commission Bureau of Consumer Protection office XXXX XXXX XXXX XXXX XXXX as well as mailed copies to the appropriate enforcement agencies in Massachusetts and New Hampshire.
We need to complain that the   XXXX   Credit Agencies simple reporting system from the banks, is biased against the consumer and small family.Our standing with  XXXX  was misrepresented.
This misrepresentation is intentionally built into the Credit Agency 's systems!
We, the consumer, must have an equal opportunity under our common law rights. This has been denied us.
an equal opportunity to present the ongoing dispute, the facts and actions of the parties.And an accurate and equal The Credit Agency 's ignored the facts, the actions of  XXXX  in refunding us 100 % of all 'late charges ' The facts and actions of the parties are as follows ; a ) There was only one occurrence of a late payment, about 30 months prior to  XX/XX/XXXX .At that time l was in Intensive Care a. We asked   XXXX   for the regular paperwork showing our balance, so we could make a special 401k claim to catch up with the balance.
We had not been late prior to hospitalization. Despite numerous phone calls   XXXX    never supplied the norcmal paperwork in a timely manner. Later   XXXX    produced Fraudulent papers to 'clim ' they sent the papers on time.
We were n't the only family suffering from   XXXX   unfair servicing on the same issue.
b ) We never were further behind than that one occurrence ( of two late months ) during hospitalization.
But   XXXX    marked the binary system late every month, after they refused to supply the paperwork, which would have allowed us to be current.  XXXX  themselves stopped us from becoming current, then charged us late charges for about two years or more. This became a serious disagreement with  XXXX .
c ) In the few years since that first occurrence l was hospitalized about fifty percent of the time. And on  XXXX  for eighteen months. Even so, we never extended the two past due payments, past the one time only original occurrence.
d ) In  XXXX /  XXXX   we reached an agreement to sell our house and informed  XXXX  we needed to agree to 100 % of the pay-off.  XXXX  agreed to take the action of refunding 100 % of all late payments.
e ) The dispute took a turn, when  XXXX  stopped making any late charges against us in  XXXX .
f ) This action meant the binary reporting method to Credit Agencies was unfair and incorrect. It is biased against families, allowing big banks and the   XXXX   major Credit Agencies to unfairly and wrongfully impose huge damages on our family.
f )  XXXX  actions speak louder than computerized binary reports.On  XX/XX/XXXX   XXXX  took ACTION and returned to us 100 % of all late charges.
These binary reports ignore the actual state of affairs and the refund action.
Our direct damages today, due to the biased credit reporting is over {$100000.00} and will climb substantially after  XX/XX/XXXX .