WillisBack/dataset-financial-user-claim huggingface dataset:
I have opened a Coinbase account last year and had go through a few transactions before it was unabled. Previously, I still able to withdraw, deposit and buy from the account. However, since last XX/XX/2017, I faced this issue for not able to do anything with the account such as buying, withdrawing and depositing. I just want the money to be out from that account so that I could pay for my expenses. I have contacted Coinbase support team so many times, and they told me to wait until the Specialist looked over my case. They even say I was at the highest priority level but until today, they still have not solve my issue. I also saw many comments about the same issue in XXXX and have posted my issue there. Also, I sent several personal message to the coinbase staff through XXXX since they did replied to some of the comments in the post. Unfortunately, no one response to me. This issue has been up for more than 5 months since last year and I really want it to be solve.
Well i have over 26 Hard Inquirys and some of them are doubled or trippled.

now some of them I did not give permission to do a hard inquirys, I would like them taken off my Credit Report, I just did not know how to do it.
AES refuses to assist me with a reasonable payment option for my ALPLN loan. I am not able to make the current amount ( it is an entire paycheck at my current wage ) and they simply state there is no other options. If the current situation continues it will cause great undue hardship upon me and my family. Take note that I have made timely payments since for years now. I sincerely asked that they provide me with any option and they stated I had used all my options. They offered to lower another loan amount ( only temporary of course and they make it sound like this option is there to help me of course its going to put a lot more money in their pocket ) but of course that would lead to paying a greater amount of interest on that loan leaving me worse off than I am currently. I want to repay my debt however they make it impossible, the interest rates are completely unaffordable. I soon as I feel like Im on top of this situation they pull the rug out! I have paid more than enough interest for them to tell me there is not an option is completely cutthroat on their part. If they truly cared about the consumer they would take into consideration the individuals income or help them by finding an interest rate that is affordable and profitable for the company. AES is taking away the future of the students it supposedly served to help obtain a solid financial future. The university I attended is XXXX University XXXX.
On XX/XX/XXXX this year I closed on a home in XXXX, MI, with CrossCountry Mortgage Inc. as my mortgage provider. During the closing process, CrossCountry Mortgage Inc. failed to accurately disclose my closing costs, omitting some {$8000.00} for summer taxes ( my mortgage includes an escrow account with a monthly payment toward property taxes and homeowner 's insurance ).

I was assured by CrossCountry Mortgage Inc. that all necessary costs were included at closing and that I would have a fixed monthly payment moving forward. I based my future monthly expenditures on that assurance, trusting that CrossCountry Mortgage Inc. had correctly calculated my closing costs and future monthly payments.

CrossCountry Mortgage Inc. then sold my mortgage to XXXX Bank. In XXXX, XXXX informed me there was a shortfall on my escrow account of around {$7500.00}, as the bank had paid the summer taxes, which should have been included in my closing costs. 

I approached CrossCountry Mortgage Inc. and the title company involved, XXXX XXXX XXXX ( based in XXXX XXXX, Michigan ) about this issue. XXXX XXXX XXXX responded by admitting there had been an error, saying that my closing costs should have included {$8000.00} in summer property taxes and that amount should have been disclosed to me. 

XXXX XXXX XXXX admitted their part in the error, adding that it was the responsibility of CrossCountry Mortgage Inc. to correctly calculate how much money I owed in closing costs. For their part in the error, XXXX XXXX XXXX refunded me the fee of {$570.00} that I paid them at closing. 

CrossCountry Mortgage Inc. has yet to acknowledge error in this matter. But it is quite clear that if it is the mortgage provider 's responsibility to accurately calculate my closing costs, they failed to do so. This is gross negligence on their part. I am now due to pay XXXX an unexpected amount of {$7500.00} because of CrossCountry Mortgage Inc. 's gross negligence in this matter.

Again, I planned my own expenditures based on faith in CrossCountry Mortgage Inc. 's ability to do the job it is licensed and regulated at the state and federal level to do. I am attaching emails from XXXX XXXX XXXX, with representatives of CrossCountry Mortgage Inc. copied, addressing this matter.
2 statements attatched. One showing a hefty XXXX  dollar fee and the other showing one below a dollar that is extremely easy not to notice if you aren't always reading every bit of your statement.

Charged me debt prot fee i never agreed to. I have filed a report once but their response was that it was all my fault for not noticing the charges. That i had been signed up since 2008 which is when i was XXXX  and jobless so WHAT IS the purpose of this fraud insurance anyways? We know though.

Either way they took my money without my permission and are refusing to give it back just because I " did not notice ''. Well, i notice now. Never used it. Didn't know it was there. I want my money back and am not going to EVER stop until I do.

If someone took XXXX   dollars from my wallet and I did not notice for awhile then found out later they dont get to tell me " Oops, you didn't notice for awhile. OH well. '' Shouldn't be hard for them to refund for money they took for free anyways.
I observed on my credit report that there was an account on Capital One that I did not opened. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF I contacted Capital One and sent them several letters with police report and have not received a response since. I spoke to their customer service and was kept being transferred over to different departments. This unauthorized fraud account with Capital One is severely effecting my life. I can not get a rent an apartment and I have been rejected from employment because of this. My credit is very good except for this fraud account reporting in credit report. I have disputed it with the credit reporting agencies as well.
I have four medical colloctions for XXXX Aargon Agency. Three bills was for XX/XX/XXXX and XX/XX/XXXX. I was on food stamps and was not working due to mental anf XXXX  XXXX pending decision by Social Security ; which finally got approval in XX/XX/XXXX. I also received another bill for a emergency room visit in XX/XX/XXXX. I was under XXXX at that time so it should have been paid. These are on my credit report and have a huge negative inpact on my score.
Hi I opened this account back in XX/XX/2016 at a branch in XXXX XXXX. At the time of account opening, I was advised that there won't be any fees associated with the account, and that this account also qualifies me for a HSBC credit card that I can try to apply for. I did not apply for that card in the end. 

As this account was primarily intended as a savings account, I had left this account alone as I didnt want to touch the funds unless absolutely necessary. However, I had fraud activity on my other accounts recently, I began to review my other checking accounts as well, including my HSBC account.

It has come to my attention that HSBC has been charging me {$25.00} each month, even though I was told I wouldnt be charged any fees. I spoke to the customer service representative over the phone, and their response was that he doesn't know whats going on either, but this is the account type that my banker had set the account up as, and that theres a {$25.00} fee for this account. 

I am personally not familiar with the different account types and tiers that HSBC offer, but I was very specific with that banker that I didnt want an account with a monthly fee of any sort.

HSBC has refused to help with my situation, so I am hoping CFPB can. Please help. 

Thank you so much.
A lady name XXXX XXXX from GC Services keeps harassing me and my family about my Federal Student Loans even though I told her that I have already went through the Obama Program to consolidate my loans and they should be paid off soon by the consolidation program that I went through. She keeps calling my cell phone and home phone everyday trying to make me consolidate my federal loans with her and her company when I have already consolidated with another company. It 's to a point I ended up blocking the number that she calls from. Then once she figured out that I blocked her, she went and looked up my niece information who has nothing to do with my loans and she is not even a co-signer on my loans either and she called her cell phone asking does she know me, does she have any contact information for me. My niece told her, '' Yes, I do know her and no I am not giving out her information. '' When my niece told me that, I was very angry that XXXX XXXX started harassing my niece.
I tried to get my free credit report from Equifax online and was denied, stating they could not confirm my identity.

Then I ordered one via automated phone using my phone that was on file. After one month no report came.

Then I called the company and they said I would need to fill out a paper form from their website so I did and sent it in four weeks ago and still no report has come.
Equifax Inc. said its systems were struck by a cyberattack. The criminal took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX.  Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, and credit card numbers. 
According to www.equifaxsecurity2017.com, I was  impacted by this incident, and my information may have been acquired by the hacker. 
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Wells Fargo has been issued a judgement against my bank account in which they took money out of for a debt that is not mine. In this judgement they can match my name, address, and birthdate but not a complete match on my social security number. Since the only thing that seems to be off is the social security number they are willing to give the money to the debt collection company XXXX and XXXX XXXX.
I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On XXXX Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on XXXX it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on Experian it is notreporting a closed date or a last activity date. On XXXX and Experian there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on XXXX, XXXX, and Experian. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true information.
Reported to credit agency that I was late with a payment when I actually tried to make a payment. 
In XXXX, I made my mortgage payment through their online service when it was due. After a few days, I noticed the payment had not cleared my bank. I called Ocwen several times to ask why it had not cleared. They stated that the payment was pending. XXXX weeks later, I received notice THROUGH THE POSTAL SYSTEM, not a phone call, that the payment was not made, I was XXXX days in arrears and it was reported to the credit bureau, which affected my credit score, as well as my husband 's. I have made numerous attempts to have Ocwen remove the late charge through phone calls and letters. To this date, my credit is still not where it was and it has caused me to have limited access to funds from other institutions. I can understand their stance on this if I have a record of being continuously late, which I do not. If you look at my credit history, you will notice that I am not late on paying ANY bills. I believe that Ocwen 's tactics are unethical. My loan was sold to Ocwen, so I had no say in who would be servicing my mortgage loan. However, I feel that me and my husband have been treated unfairly.
I contacted XXXX, XXXX, XXXX on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with Fedloan Servicing and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.
I recently XXXX college with a degree in XXXX to fulfill my XXXX credit hour requirement for the XXXX exam. Therefore I was in the process of applying for my XXXX credit card with Chase Bank 's Visa Platinum Credit Card. I had no previous prior credit history therefore Chase Bank denied me straight off the back. However I have assets of $ XXXX, income of at least $ XXXX, and a line of credit with the brokerage for $ XXXX. This would be more well enough for the line of credit I was seeking at least you would think. My father and I therefore called customer service at Chase Bank asking them to reconsider. We XXXX talked to XXXX asking her to reconsider the decline application for a line of credit. She insisted that since there was no line of credit history that they could not issue a credit card. We asked to talk to her supervisor, therefore we then talked to XXXX. XXXX gave the same explanation of not having enough credit history. XXXX gave the phone to XXXX her manager to talk about the issue. XXXX took over for XXXX. XXXX gave the same run down that XXXX gave us except we recorded the conversation that gave us the alternative to get credit. He recommended me to go to an inferior that charges more money to get credit to get credit with Chase Bank. XXXX said that it was Chase Bank 's philosophy to deny the credit card if there is no prior credit history. There is no professional judgement in further research of the individual to see if they have other means of income, its just the click of a button than says Yes or No. This philosophy happens to be trade secret, but any person with a brain would think you would want to issue a credit card to a person who can make the payments and has more than enough to cover the line of credit with liquid assets. We offered to give the statements showing that I had the assets to prove that I was a worthy candidate for the credit card, but the would not even take them or make amends.
ERC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On XX/XX/XXXX, I received an alert from Equifax Gold Credit Watch service that my XXXX XXXX account balance had increased {$1900.00} to {$2300.00}. I immediated checked my XXXX account, and there was no such transaction current or pending, or any balance nearly that high past or present. I used the Equifax service to check my credit reports from all 3 bureaus. There was no such transaction at any of them. I have had a freeze at all 3 bureaus since XX/XX/XXXX and when I checked, none had reported any fraud activity or credit check attempts. 

The Equifax service provides no additional information. I contacted them to ask them what this alert was based on. I was told it was up to me to investigate, that the alerts are usually " routine '' and might be up to 90 days old. In fact, the last transactions showing on my credit report for my XXXX account is fromXX/XX/XXXX!! I replied that I did investigate and found nothing, and needed details regarding the account number, date of transaction ( s ), vendor, etc. I was told again it it was up to me to investigate. They have refused ( or are unable to ) give me any information on this alert. In my attempts to talk to someone on the phone I have been put on hold, dropped on a transfer, and still not gotten any information. 

By their own admission, this is not an " early warning '' alert. It does not, apparently, reflect what is happening on your own credit report. Not only does Equifax not provide accurate information -- they do n't provide any at all!
Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paper
work then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX  veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX  awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, XXXX
My home is underwater I owe more than its worth and I needed help. 
So I applied for a Principal Reduction and a Loan Modification with Ocwen LLC ; XXXX XXXX. I requested the Loan Modification package several times from Ocwen in writing and received it the last part of XXXX XXXX. I also did at the same time apply for Keep Your XXXX California in XXXX XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX with an Auto-generated value assessment of some sort? Contained within the document were comparables that were miles away, brand new custom homes nothing like my home. I have a track home which was valued at the low XXXX 's. I submitted to Ocwen MLS Comparables in my neighborhood realistic values ; with the highest value at XXXX. 
I submitted requested documents to Keep Your Home California while submitting the loan modification package to Ocwen twice. By XXXX XXXX, XXXX Keep Your Home California sent me correspondence stating that I qualify for a Principal Reduction. Keep Your Home California had requested my old Loan Modification from 5 years ago to help with the process ; I then wrote Ocwen requesting a copy of my modification be sent to Keep Your Home California ; I did this twice. By XXXX/XXXX/XXXX Ocwen LLC sent correspondence to me that they had received my application for assistance and the process would take 30 days to review. In the meantime I had requested in writing for someone to help me through this process and on XXXX XXXX, XXXX ; I received a letter from Ocwen saying I had a relationship manager XXXX XXXX. On XXXX XXXX, XXXX ; I received another letter from Ocwen that they had received my request for assistance and it would take 30 days to review my application. This process with Ocwen has been confusing and stressful to say the least! Now to make matters worst in the process I receive a letter from Keep Your Home California stating that my loan servicer Ocwen has not approved my loan for participation in the KYHC program. It appears Ocwen LLC wants me to loose my home ; Keep Your Home California stated that I had qualified for the program. Ocwen has participated with Keep Your Home California when I use them before on XXXX XXXX, XXXX. I received the Satisfied Reconveyance Deed XXXX XXXX, XXXX. 
Ocwen LLC is preventing me from obtaining a principal reduction to help make my payments affordable. My family has lived in our home for 23 years and I need your help so we can keep our family home and not loose it to foreclosure. I will attach all supporting documents.
On XX/XX/XXXX a medical account was sent to collections and I had just recently seen that this was something new to my knowledge. I have served in the XXXX XXXX XXXX  fromXX/XX/XXXX-XX/XX/XXXX and had XXXX XXXX that covered my expenses and fees. This is something that I have tried to work out with this company prior. It has been years since and have not received any positive changes towards this account.
I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under Nelnet while the other is reporting under US Dept of Education. Mind you I have never attended college in life nor applied for federal student loans.