WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX XXXX - XXXX CST I transferred XXXX Litecoins ( a cryptocurrency derived from Bitcoin, worth approximately {$2600.00} at the time of the transacation ) from the Binance crypto exchange to XXXX XXXX XXXX XXXX ( hereforth known as XXXX ), the crypto exchange owned and operated by the XXXX XXXX-based Coinbase, which is the largest Cryptocurrency operator in the United States. 

The method Coinbase uses to transfer funds to XXXX involve bringing them in-house to their own wallets first, followed by a transfer to the XXXX wallets. 

My money is stuck in this process. It is strictly internal, a failed system issue on their end, and they refuse to address it. I have spent over 6 hours on hold for them at this point, and they refuse to speak with me regarding it. When I actually managed to get ahold of someone, they hung up on me. They responded via email, refusing to call me back. 

I am not the only person experiencing this issue now, and we are all making a point to report this negligent behavior. There are people who 's funds have been captured in system failures of their for nearly a month now, with no response, support, or resolution in sight. I know if I let them, the same will happen to me.
Contacted Nationstar XX/XX/XXXX- advised requested PMI removal. Told by escrow department to send in form to request removal. 
Advised would need an appraisal to determine new valuation on property. 
Requested a copy of the origination appraisal as well to determine the figure they would be using to determine the LTV ratio, which was never sent to me. ( I personally don't believe they have a copy as I was told she couldn't find it and when the request was put in for research dept to pull it I was sent other loan docs, but never the origination appraisal ). 
XX/XX/XXXX-Sent in form via email and fax from information provided along with the appraisal district printout showing a large variance in my property value. 
Called & emailed into Nationstar again a few times in between and no response. 
Called in XX/XX/XXXX- escrow department states that they sent a letter to me denying back in XX/XX/XXXX, however I never received any letter of the sort. I was additionally advised that they would be able to obtain a new appraisal, if I approved, to calculate the current valuation of my home to determine property LTV ratio. This was never completed either. Per the escrow rep on XX/XX/XXXX, they use the origination appraisal ( the one that nobody can provide me ) in order to calculate this figure. 

No responses to my requests. No clear idea how to remove my PMI. No copy of my origination appraisal received still. I continue to have PMI being pulled monthly from my escrow account when I have been eligible and met guidelines to have it removed a significant time ago without action on the part of the mortgage company to advise how to do so nor response to my request to do so. 

I also have delivery receipts from the emails sent if needed.
In XXXX of 2015. I started a FHA streamline refinance with US Bank Mortgage. It 's 3 months for the working on processing this FHA streamline refinance. Repeatedly, I would ask for a status update on the file. The loan processor would indicate the file is on holding pending release of a FHA case number. In addition, I was dissatisfied with the lack of response from the loan processor. I would send an email for a status update and I would n't hear a response for a couple of days. I have provide all conditions the lender had requested but still continue to experience delays in this FHA streamline refinance. It 's a lost savings of {$200.00} dollars per month. In addition, I had a request for Regional Manager to response to my complaints regarding lack of response and asking to waive credit report fee because of the time delayed in processing this file. So I decided to take my business to another lender. I asked US Bank Mortgage to transfer the FHA case number to the new lender XXXX. As of right now, I have not heard or received a confirmation they have transfer the FHA case number to the new lender. The new lender notified me this morning they have not transfer the FHA case number. I have left a message to the supervisor for loan processing requesting them to transfer the FHA case number. Currently, I have not received a follow-up regarding the status of my transfer.
complaints : XXXX Consumer Cellular service and Professional Collection Service have made XXXX entries with Credit Reporting agencies once XXXX 2015 and XXXX 2015 stating that I have an account balance that goes unpaid and is in dispute. My previous complaints clearly points out that the balance consists of fees that are not justifiable. 

They are attempting to damage my credit rating by using this approach. Again, Consumer Cellular and Professional Collection Services are attempting to have me pay a {$25.00} fee plus XXXX-dollar late fees due to my refusal in releasing a dispute with XXXX XXXX against XXXX XXXX for an unauthorized debit on my bank account. 

Please review my previous complaints ; I was notified of the Credit Report activity by my Credit Union on Wednesday XXXX/XXXX/2015, confirmed by the Credit Reporting Agency XXXX.
Care credit charged me a late fee because an electronic payment that was transmitted well in advance of the due dat ( XXXX a Sunday ) was not timely credited.
XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. XXXX will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from EXPERIAN! XXXX account needs to be PERMANENTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : XXXX, XXXX AND EXPERIAN!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!
I received a letter from this company demanding a fraudulent debt. 

This claim was alreaduy remvoed from my credit reports beforehand after I filed it with the police.
I MADE A PAYMENT FOR MY LEASE ACCOUNT IN XXXX. THE PAYMENT WAS RETURNED DUE TO MY INSURANCE BEING AUTO DEBITED WHICH I WAS UNAWARE OF. I CONTACTED GM BUT THEY HAD ALREADY MARKED MY ACCOUNT AS LATE, AFTER 30 DAYS. I HAVE HAD THIS LEASE ACCOUNT FOR GOING ON 3 YEARS AND HAVE NEVER BEEN LATE BEFORE AND ASKED COULD IT BE REMOVED AS A COURTESY AND WAS TOLD THAT I WOULD HAVE TO FILE A COMPLAINT. I THOUGHT THAT INFORMATION WAS INCORRECT SO I CALLED BACK AND THE LADY ( XXXX ) THAT I SPOKE WITH STATED THAT SHE WOULD PUT IN A REQUEST BUT THAT I ALSO HAD TO FAX OVER A LETTER. I HAVE MADE 3 ATTEMPTS TO GET THIS RESOLVED AND REMOVED AND I AM JUST GOING IN CIRCLES WITH THIS COMPANY. NOBODY EVER CALLS BACK AND OF COURSE NO ONE EVEN KNOWS WHO XXXX IS. THIS HAS BEEN NOTHING SHORT OF A NIGHTMARE.
Was offered a settlement by debt collector of {$1900.00} in    XXXX   of 2017. W as unable to settle said debt at the time. Contacted the debt collector personally offering a settlement of {$1000.00} 4 months after their offer. Came to this number after making {$920.00} in payments over 4 months ( {$230.00} in auto debit s ). Debt co llector proceeded to tell me they had to get approval from accou nt holder (   XXXX  University  ) since they o wned account. Debt collector responded that the offered was turned down by account hold er (   XXXX  Universit y ).  I then contacted the school personally and spoke to  XXXX   XXXX . She then instructed me the school would be willing to work out some settlement but the debt  collector   ( Williams and Fudge ) st ated they would not take a settlement due to the comission rate. Then contacte d Williams and Fudge directly ag ain and they said that this was false and that they would not say that.  XXXX   XXXX   ( representative from Williams and Fudge ) s tated that I would not be able to renegotiate my monthly payment amount of {$230.00} per month to {$50.00} per month due to economic hardship since it is not an adequate amount for my debt.     Direct line for me is  XXXX   XXXX   XXXX  ( cell  ) direct office lin e during business hours is  XXXX   XXXX   XXXX  ( offic e line ) Contact in fo for  XXXX   XXXX  is  XXXX  (  XXXX   XXXX   XXXX   Contact info f or  XXXX   XXXX  is  XXXX   XXXX   XXXX  ext  XXXX
I paid the original creditor directly, the original creditor accepted my payment but yet the collection agency is trying to collect an amount that I do not owe!
I think someone drove behind me and was not paying attention. He put on brakes and almost touched my car. I think Portfolio Recovery was affiliated with his car insurance or an attorney. They are trying to make me responsible for something that didn't even happen. I don't know what this is about or why they keep putting this on my credit report.
On XX/XX/2018, Navy Federal Credit Union pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit
The purpose of this letter is to request an investigation of the inaccurate information reported by XXXX XXXX  XXXX XXXX to Credit Reporting Bureaus XXXX , XXXX , and Experian. After over 25 telephone calls to the creditor since XXXX XXXX, the creditor has still failed to correct the issue and only continue to ask for more time to investigate the matter. The creditor is reporting a 30 Day Late Payment dated XXXX XXXX XXXX for credit card ending in XXXX. This account was Not Acquired until XXXX XXXX. The credit card account is showing listed with the credit bureaus as Account Number XXXX. The information the creditor is reporting is inaccurate. As for supporting documents, I requested ALL Monthly Statements associated with credit card ending in -XXXX / Account Number XXXX. The creditor provided ALL the monthly statements associated to the account. Documents provided for XXXX XXXX to XXXX XXXX. Please see attached documents. In addition, I originally requested all statements and accounts associated with my credit file since XXXX. Via telephone call, I was advised I was not allowed to receive any statements or account information prior to XXXX XXXX which is not associated with credit card /account number ending in -XXXX/ Account Number XXXX. Attached find supporting documents : XXXX Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 8 XXXX Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 57 Monthly Statements from Creditor Dated : XXXX XXXX to XXXX XXXX
I signed up for the delta american express gold credit card. I was told i would receive XXXX skymiles & XXXX $ statement credit once i reached the requirements. The requirements were to spend over XXXX $ in the first 3 months. I completed that task by 5x & never obtained the XXXX skymiles from american express. The XXXX $ statement credit did go through, however. I have called three times regarding this issue and I keep getting no where. It has been almost 5 months since i opened the account with american express and I expect to get better treatment than this.
On XX/XX/XXXX I submitted a complaint with the CFPB against PREMIER PORTFOLIO GROUP ( complaint number XXXX ) and the company responded on XX/XX/XXXX indicating " Our company will close this account, and cease and desist all further communication with the consumer. '' I received a call yesterday XX/XX/XXXX claiming, once again, that " a bad check was placed with their office attached to my name and account number '' telling me to call XXXX which corresponds to PREMIER PORTFOLIO GROUP. Clearly they did not cease and desist communication OR close my account and i'm being hassled by them again.
Since  XXXX ,  XXXX  I have consistently requested that WFHM produce documentation ( proof ), that  WFHM has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus. WFHM has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting Act 1   5 USC S 1681i. It is the law that WFHM  produce a ( procedure in case of disputed accuracy ). Additionally I request a Promise to report payments in writing. As I have researched this issue, I have learned that this is common practice among WFHM, which in turn WFHM continues to fraud mortgage holders after a bankruptcy. WFHM  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for WFHM to 1 ) Produce documentation Under the Fair Credit Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loan after bankruptc  y  XXXX .
XXXX XXXX, XXXX I entered into a commercial lease with XXXX XXXX XXXX through XXXX XXXX XXXX XXXX and XXXX ( {$99.00} membership fee ) I informed XXXX of my concern with the wheels on the front passenger side. 
I XXXX XXXX, XXXX assured me it would take care of the problem. 
I waited. 
While I patiently waited. 
XXXX XXXX, XXXX closed their doors, dismantled their office, their phone lines and moved out of the State of Washington during the XX/XX/XXXX. 
XXXX, XXXX a text XXXX XXXX, XXXX stating servicing would no longer be their responsibility as of Friday, XXXX XXXX, XXXX. Servicing would be the responsibility of Innovate XXXX XXXX, Monday, XXXX XXXX, XXXX. 
I called Innovate XXXX XXXX XXXX XXXX & XXXX, XXXX. 
Innovate XXXX XXXX stated their company did not have the contracts and was not in position to accommodate. 
However Innovate XXXX XXXX withdrew funds ( {$190.00} ) from my account. XXXX XXXX, XXXX. 
I disputed : The validity of the contract between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
their authority to service my account. 
their authority to access my bank account. 
The fees. 
I e-mailed the form provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , indicating the amount due per weekly payment for the auto lease to no avail. 
I realized I was in check if not check mate. 
I would have just gone along with the program, if Innovate XXXX XXXX had not fraudulently withdrawn the {$80.00} cash from my credit card account. 
What would/will be next on their list? 
************************************* I should be permitted to use direct pay from my credit card account to XXXX XXXX XXXX and get out of this woven web of entrapment. 
( Now, I wonder if the XXXX XXXX is a flood car. XXXX. 
I noticed indentations on both side of the hood of the vehicle. 
As if the vehicle was lifted up by a huge clamp on both the sides of the hood of the vehicle. ) The services which accompanied the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has became non-existent. 
Additionally Innovate XXXX XXXX withdrew an unauthorized {$80.00} cash from my credit card account. 
Cash. 
Not from a debit account. 
Cash from my credit card account. 
The bank reported the transaction as fraudulent. 
The charges have been reversed. 
My concern now relates to retaliation. 
XXXX XXXX XXXX can confiscate the vehicle along with my personal belongings ( Video equipment, tripods etcetera. ) in it ( as abandon ), in the middle of the night or day and make me continue to make weekly payments. 
This very disturbing to me. 
************************************* I need a vehicle to XXXX. 
************************************* I am being charged for services no longer rendered. 
I have a breached and very ambiguous contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am still in need to make timely payments. 
I repeat, XXXX XXXX XXXX can confiscate the vehicle with my personal belongings in it ; in the middle of the night or day and make me continue to make weekly payments. 
This is a huge concern and very disturbing to me.
Called multiple times couild not get a response. When after multiple attempts got a representative after leavjng a message. Asked to do a payment arrangement. Representative declined any offer and would only take payment in full.
I recieved my student in XXXX, the sum of XXXX. I paid my student loan off in XX/XX/XXXX, my final payment was XXXX. 
In XX/XX/XXXX, I started getting calls and letters that I need to pay almost XXXX, they were claiming that there was never a payment made in the XXXX yrs it took to pay it off. I have spoke to XXXX, XXXX XXXX, Navient multiple times, I have sent my XXXX XXXX XXXX that I paid the loan off. I have maintained that my record show it was paid, but I did tell then that I if they did some research and proved I owed XXXX, the. I would pay it, but all my record show i paid the loan off in XX/XX/XXXX. And they claim that that XXXX payment is the only payment they know of. So, over the years while u have been fighting with them since XXXX, I keep demanding a forbearance and tell them to do the research and go over the proof I have sent them. They never do, and I just received another letter staying i still owe XXXX. This has been going on since XXXX, I have provided my burden of proof that it was paid, and they still refuse to go through everything, still stating i owe XXXX. Every year I demand a year long forbearance, I inform them that I refuse to pay them another dime and to do their jobs and get the XXXX together. I am constantly harassed by them and it becomes very stressful and it has ruined my credit. I refuse to pay a loan that I already paid off. They say they will look into it, but they never do. Also for years they would take my federal tax refund, but yet still claim they have not received payments, those refunds total a couple XXXX dollars.
This is a complaint from XXXX XXXX against the US Department of Education and Nelnet for their failure to remove duplicate items from the credit report. As of date, one student loan dept is being reported as two line items on XXXX XXXX 's credit report -- '' Department of Ed/Nelnet '' and " US Department of Education. '' Despite multiple attempts to request removal, both from XXXX directly and the bureaus, both parties are still reporting the same debt, which is significantly impacting his credit score and interest rate on his vehicle.
A negative item appeared on my credit report stating an uncollected debt. I have no prior knowledge of the debt, and was never sent a bill or collection letter, EVER, for this debt. My credit score has declined as a result.
I purchased a car almost 6 years ago. I missed a few payments and extended the life of the loan. The car was and still is in very bad shape and properly should n't have been sold or bought. The transmission had to be replaced, the XXXX went up and had to be replaced, the body of the car is rusted and the paint on the hood is fading which appears that it is a different hood from the original car. It looks as if the car was in an accident. So, when I called because I wanted to sell the car - I was told that the car costs more now than when I bought it six years ago. It 's a 2006 Chrysler Town and Country minivan and Regional Acceptance Corporation says I owe over {$20000.00}. Which means I ca n't sell it because no one will touch me to buy another car with a balance like that.
I spoke with a representative concerning a 30 day late payment that is showing on my XXXX and XXXX  credit report dated XXXX 2016, I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.
I have a case already opened by CFPB ( XXXX ) Recently I received a Mortgage Account Statement from Ocwen that was rather Disturbing. 
Ocwen indicated that my original loan amount was {$900000.00}. This amount is completely inaccurate. I have emailed and fax a qualified Written Request ( QWR ) asking Ocwen to send me the original deed of trust and note that i have signed when i bought my house back in XXXX 2007. A XXXX has gone by and absolutely no respond from Ocwen. I have called to followup and every time after being on hold for a very long time somehow the phone gets discounted. what should i do now?
Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remains with your company as owed, in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed owed to your company. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Before account was handed over from asset acceptance Ive requested for account XXXX to provide accurate documentation of validation of debt that Ive failed to receive, as well as this information was requested with your collection representative XXXX XXXX along with account XXXX. I was informed that this information doesnt need to be provided because a judgement was already in place. As a consumer it is my right to receive validation of any debt.
We ( XXXX XXXX XXXX XXXX, PA ) emailed our customer in XXXX ( XXXX XXXX XXXX ) an invoice for professional services rendered. The customer responded to the email asking if we would accept a wire transfer for fees invoiced. We responded and said we would and never received any request for the wire information. Later we discovered that the email was hacked and the hacker sent an email to the customer with account information that was not ours but very similar. The customer wired the money from their bank ( XXXX XXXX XXXX ) to the account listed in the hacked email. The bank ( Sun Trust Bank ) that received the wire stated that the account that received it is now closed. The funds did not go to the intended recipient.
I am receiving notices from DiTech Financial, LLC for a mortgage that I was never issued. I file an application with them but it was never issued to me. They have placed a bad mark against my credit for a mortgage that I never received.
My only name is XXXX XXXX XXXX. I see another name, XXXX XXXX, listed. I think it 's a typo.
On XX/XX/XXXX I received a letter from National Credit Systems , Inc indicating that I owed them {$9100.00} and that the original creditor was XXXX XXXX XXXX XXXX. Therefore on XX/XX/XXXX I mailed a validation letter requesting information regarding the account. I lived at the XXXX XXXX XXXX and when my lease expired I moved. I left the apartment clean also. The owner is taking advantage of me and my family. I believe that they are taking advantage of me because of my limited English and country of origin. I am requesting that they provide proof of the debt that they claim I owe them. This account is impacting my ability to find a safe place for my family and impacting my credit report.
I have a series of erroneous, credit-damaging late fee payments reported by  XXXX  on an overdraft account dating back to   XXXX   -- that I did not know existed.      XXXX  has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account.  ( See   XXXX  communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated by  XXXX  as a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.