WillisBack/dataset-financial-user-claim huggingface dataset:
Hello thanks for read this! 
Have a technical trouble to accss to my account on coinbase. 
Explains the reason. 
Recently I change my contry of Living, I am travelling in XXXX for couple of months and I will Come back to my home in XXXX. I was living in XXXX for 1 years and of course had a phone number XXXX. 
Because I close this account ( phone number ) I cant  have access to my account because they send my a code for change my password. I didnt want to XXXX this password but I wouldnt access to my account on my computer ( dont know why because on my phone this password was working ). 
I decide to change this password to have complet access to my wallet in both system. 
I dont receveit the code so I need to change of phone number on the website and my account but doing this i Need to verify my account. 
That there have trouble too because they cant verify my passport and a selfi of Me ( maybe because in my account its not XXXX for the contry of residence ) but I can change this of course because of the password I cant  have acces to my account. 
I try to call them few time nobody answers, I try to send some email for explain the situation but they send my a links for verify my account. 
I invest more than 1000 $ in and now I dont know what going on.

All this happening 2 last week ago. 
I open a request but nobody send me nothing. 
I have the felling to have lost this money!! 
I have my passport and all What I need to get access to my account its frustrating. 
I Hope you can give me a way to done something and get back this money. 
Thank you
On XXXX XXXX, Citibank contacted me about a decrease in my credit limit ( a decrease of {$2500.00} ), due to items that had appeared on my XXXX credit report, which stated that if the credit report changed, I could have them reevaluate the decision within 60 days. On XXXX XXXX, I contacted them and they stated that they only could request a credit limit increase, there was no process for disputing their previous decision. They requested a credit limit increase and the increase was denied, and were not able to provide me with a reason. Their decision was triggered incorrectly and they have unfairly prevented me from reinstating my prior status with them even though the factors that prompted their decision have been proven to be in error.
This is follow up to my previous complaint filed on this site against Shellpoint Mortgage Servicing company. 
Their behavior of harassment and intimidation is not acceptable. They bought my debt from another collection agency XXXX XXXX after XXXX XXXX used the same techniques to collect expired debt from XXXX  XXXX XXXX who sold debt in bulk to XXXX XXXX. 



XXXX XXXX, FL XX/XX/19 From : XXXX XXXX XXXX To : Shellpoint Mortgage Servicing XXXX. XXXX XXXX XXXX, MI XXXX To Whom It May  Concern : After buying my debt from Select Portfolio for pennies you keep harassing me with the latest by sending XXXX XXXX XXXX on XX/XX/19 banging on my doors at XXXX am while I was soundly asleep ( I'm retired and sleep a lot ) to intimidate me on loan that XXXX had no desire to deal or foreclose many years ago. 
You are violating every legal statue that bars you from harassment and intimidation. 

You are violating : [ 15 USC 1692d ] 806 ( 5 ) [ 15 USC 1692d ] 806 ( 2 ) [ 15 USC 1692c ] 805 ( a ) ( 1 ) [ 15 USC 1692d ] 806 ( 1 ) [ 15 USC 1692c ] 805 ( 6 ) [ 15 USC 1692g ] 809 ( a ) [ 15 USC 1692C ] 805 ( c ) By this signed letter I am asking you to cease and decist all calls ( including third party ), all written correspondence and remove ALL negative remarks on all three credit bureaus ( XXXX, XXXX and XXXX ). 
There is statue of limitations for collections and you are way past due that statue. 


XXXX XXXX XXXX XXXX
Carrington Mortgage Company I want to know if the following actions taken by this mortgage company are legal : 1. As of XXXX 2017, the company charges {$5.00} to process my payment online. The payment is not late. 2. When XXXX XXXX XXXX sold my loan to Carrington, the company raised the amount that I need in escrow two years in a row. The excess funds are returned to me at the end of the year, which indicates that I am being charged too much. 3. I was told that the only way I can get a new mortgage company is to refinance. I am within the last 10 years of my loan, so I do not want to refinance to a 15-year note. This is a terrible company that is not responsive to its customers. Just look at all of the complaints online. Can anything be done?
During the period of XX/XX/XXXX to XX/XX/XXXX my wife was handling our finances because I had been XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX was in and out of hospitals, XXXX, XXXX XXXX, XXXX XXXX and home but XXXX. During this period a series of fees started showing up on our joint checking account. My wife grieving the loss of our XXXX XXXX XXXX XXXX old child to XXXX, was n't keeping a close eye on the transactions on our statements. These where regular monthly fees that should have been waived, because we made more than ten regions credit/debit transactions a month ( a lot more ). When my wife set up the cards, she was assured that both cards would qualify towards the ten transactions needed to waive the monthly account fee. I first noticed the fees in XX/XX/XXXX, and called regions bank to ask about the fees. They told me that only one of the cards qualified, because one of the cards was only an authorized signer and not listed on the credit card account as a joint owner. I feel that this is just total nonsense and a technicality that they have used to charge us months worth of bogus fees. More over we where assured that the cards qualified.
In XXXX, I received a call from a banker from Citibank informing me that someone was on the phone posing as my husband and attempting to establish a credit line with them. I informed them during the call this was not possible due to my husband being deceased and was informed that the person on the call had disconnected and no further steps needed to be taken. I then later on, received notification by mail from Citibank XXXX/XXXX/XXXX, addressed to my deceased husband, informing that an account had been opened using his info and there was suspicious activity reporting. In the letter it contained a number to follow up with, if this account had not been set up by the addressed person ; I immediately followed up with Citibank and made them aware no account was opened due to my husband being deceased since XXXX and also that i had spoken with someone previously to address this. I was made aware that steps would be taken to resolve this matter and on XXXX/XXXX/XXXX did receive additional follow up to inform that an investigation was completed and account would be closed and forwarded to the credit bureaus to be addressed. How is it possible that a person being deceased that long, with reports being sent over to the social security administration initially to make aware, can still have someone open up a new credit card and use this. This is n't something that should be able to happen, and the way all of this was addressed from the opening of the account until the resolution was n't handled properly.
On XX/XX/XXXX I my boyfriend at the time was put into XXXX on a XXXX. the next day I took all the actions to calling all of my credit cards and bank accounts to take him off of the accounts. I removed his name from my Discover Card and the following day he used the Discover Card to XXXX himself out of XXXX for {$10000.00}. Only to go back to XXXX the next day and is still in there. When he charged the card I called Discover and disputed the charge since he was no longer an authorized user. On XX/XX/XXXX I received an email from Discover saying that the charge was a valid charge and that there is nothing else I can do but to pay it. I 'm still trying to dispute it since he was not authorized to use the card.
Spoke with XXXX XXXX at XXXX XXXX to resolve credit card debt in XXXX. Payment arrangement of {$450.00} was set to start XX/XX/2018 and final payment was made on XX/XX/2018. I've spoke with XXXX at this company multiple times since the final payment requesting that they remove paid debt from my account and no action has been taken. I've tried to dispute the debt and the company has denied to remove the bill from my collections. I also have a letter stating that this bill is resolved and paid in full from the company.
I was trying to transfer money between my checking account and another account with Capital One. When I logged in, I found that ALL of my accounts were blocked. This included XXXX savings account, XXXX checking account and XXXX saver accounts for my children. This nightmare started on Wednesday XXXX XXXX. When I called I was told there was possible fraud on the accounts, and that there was an 30 minute wait time to speak with someone. I called back later, waited over an hour. When I finally spoke to someone they told me that all my accounts needed to remain frozen pending investigation. I finally spoke to an " investigator '' late the following day. Who told me that she would still not be able to unlock my accounts ( mind you ALL my money was at Cap One ). I finally called back on Friday to fins out the investigation was complete and there was no outcome. But at this time, I was told that all new accounts needed to be set up ... which STILL left me without any access to MY money. Funny, when my direct deposit was done on XXXX, Cap One allowed that transaction to go through. I was told on Friday when the new accounts were set up, it was not possible to overnight my new cards to me. It was not until XXXX that I finally got cards to access my accounts. I was told several times that I could travel over an hour to a branch to access the funds, but as a single mom working full-time, this was not an option. I am not sure how it is legal to keep someone from their money. When the new accounts were set up there was no linkage between the old and the new. This means that all my payments and checks written were not honored by Cap One, even though I had plenty of funds to cover. In addition, I was charged NSF fees!
I am a member of Experian. I can log into my account and see what they have regarding my credit report but they have reported alerts in which my email address and passwords are on the dark in three instances and I have questions so I called the number in that section of the web site. The problem is that I have tried 4 times over the last two days. XX/XX/XXXX and XX/XX/XXXX and waited online between 30 to 45 minutes each time and no one ever answers answers. They also give you no idea how long it will be before someone answers. I also see no way to email someone. The only way they show to contact you is by post office mail. They obviously have inadequate staffing and should provide alternatives to contact them other than by sending a letter through the post office.
On XX/XX/2018 received a direct deposit check from my employer. Within a few hours upon the deposit, the bank just auto deposit one for {$120.00} for my car loan and {$150.00} for my credit card. I called the bank to try to set up arrangements or try to solve the problem however the bank refuses to give my money back when they knowingly took my money from my account without my approval. There had been times that the bank has try collect payments which led to my account being overdrawn.
I received a credit card with a {$10000.00} line of credit from Santander Bank. I did not apply or ask for this card, and have no financial relationship with Santander. I have now spoken to three people at this company, and thus far no one has been able to tell me they have closed this card. They have personal information about me that I did not provide to them, like my social security number, date of birth, and address. I want them to 1 ) tell me how this card request was made and how they received all my personal information, and 2 ) assure me that this account has been closed.
Repeat ly calls 7 days a week 6 times a day for months this is my work ph and I asked to stop and they refuse and I am not even behind I have XXXX payments left
On XXXX XXXX, 2016 my employer notified me that a reimbursement of {$310.00} would be deposited into my checking account ending in XXXX. I contacted them to tell them to cancel the transaction because I no longer had the account. They did n't receive the message in time and deposited the funds into a closed account. The bank accepted the funds and never notified me that the funds were accepted nor did they return any additional funds to me or my employer. They stated that I had a balance of {$200.00} in overdraft and extended fees but could n't give me a brake down of how they arrived to that amount. They claimed that they mailed out a check of {$110.00} that I never received. The representative said that I had an initial overdraft fee of {$35.00} and additional days of extended fees of {$6.00} for weeks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX
Various attorneys continue to claim a mortgage in my deceased father 's name. There is no such debt and they have no claim. This fraud loan with PennyMac must be on XXXX of your databases somewhere, these attorneys make assumptions and start moving to foreclose. One office XXXX ( XXXX XXXX XXXX XXXX filed a trustee sale on my home XXXX months ago acting as a Bank, Beneficiary, and Trustee. This has to stop, I need your office to stop this fraud.
aaa visa credit card handled by bankamerica, Received email about late payment today, called and was told the card is now handled by XXXX. 

The card was my overdraft protection at Bankamerica checking account.
I have a Wells Fargo Visa Credit Card that says " Rewards '' in the upper left corner. Rewards were not posting to my account, so I sent an inquiry thru contact email when signed into my account. They gave me a phone number to call. I was transferred multiple times to different departments. Tried again 2 other times. Was told to go to the branch today and work thru a banker. I did, and the banker could not get a resolve. She herself was transferred 7 times, and told multiple stories but could n't get it resolved. They are saying there are is no reward program associated with the account, even though the card clearly says " rewards '' on it. We were told I could apply for a card with rewards, but that my past purchases would not be credited with rewards, and that likely the interest rate would go up. I made multiple purchases, thousands of dollars using this card expecting to generate rewards. I feel this is clearly consumer deception, and ca n't seem to get any resolution from the bank. I have to believe that if I am having this issue, other consumers are as well. Please help.
Submitted a BBB Complaint on XX/XX/2017 for Debt Validation to J.H. Portfolio Debt Equities LLC and was forwarded to the business the same day on XX/XX/2017. The company did not respond until XX/XX/2017 and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ), the company can not report my account to credit reporting agencies until the debt validation is provided. J.H. reported this account to XXXX and XXXX on XX/XX/2017. The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.
Bank of America non receptive to my complaint and does not refund my money.

On XX/XX/2018, using the Bank of America website, I made a request to transfer money from XXXX  XXXX to my Bank of America checking account in the amount of {$800.00}. It was for a 1 business day transfer. It's now XX/XX/XXXX and the amount of {$800.00} still has not reflected in my BOA account. The amount of {$800.00} was debited from XXXX on XX/XX/2018. 

I tried contacting Bank of America and spoke to about 15 associates and my problem is still not resolved. My issue was escalated to Bank of America executive customer service. I spoke to XXXX who stated I should receive my {$800.00} back to my XXXX XXXX account today ( XX/XX/2018 ). The money is still not in my account. Everyone just transfers me to another associate or states that the money will reflect in my account within 1 business day. It's been 14 days and no one knows what is going on. The Bank of America confirmation number for the transfer is XXXX. The executive customer number I was given is : ( XXXX ) XXXX. Case # given is XXXX.
I applied for a credit card at a Wells Fargo branch. After several minutes I was turned down. Quite surprised and embarrassed because I know my FICO score is XXXX. I waited for the letter of explanation and it said " we are unable to offer you a credit card for the following reasons-Repossession on credit report ( property taken back due to non-payment ) ''. I know this had to be a mistake and became immediately concerned. I called Wells Fargo and they told me to pull my free credit report from XXXX. I did & the report is perfect. Spoke to an XXXX rep who confirmed this and said there is nothing on the report that would cause credit to be denied. I called Wells back and they said XXXX XXXX XXXX reported it. I then called XXXX and they said I 've been a perfect customer for 15 years and they reported nothing negative. So now it 's XXXX negatives from XXXX & XXXX negatives from XXXX XXXX. I call Wells back with this information and now they say " you returned a leased car early '' which I did under a special program offered by XXXX. Wells Fargo for some inexplicable reason considers that as a " repossession for non payment '' and automatically denies the application. At least I now know my credit is still perfect and it 's Wells Fargo 's application review process that 's defective. Certainly an aggravating experience over the last week.
My credit report shows a debt payable to CELCO for {$140.00}. I have contacted this company and they can not tell me to whom this amount is owed. It is impacting my credit score. 

What can I do?
This complaint is in reference to the XXXX XXXX  entry Account Number:XXXX entry listed both on my XXXX and XXXX   credit reports. I have contacted XXXX XXXX  several times viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. 
In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.
This is the 3rd time I have submitted a complaint regarding Capitol One credit card. Please refer to case # XXXX, my first complaint. Again, I have been called at work 3 more times since my original complaint was submitted about them harassing me at work. To make matters worse, they revealed to the receptionist that it was a collections call regarding my name. This is mortifying!!!! PLEASE, do something to make the stop calling me at work. Today 's " recorded '' phone call was from XXXX, PA XXXX. I requested this detailed information from the representative because on my original complaint, Capitol One LIED and said they were not calling me at work. Please request a copy of that recorded call and as proof. Please fine Capitol One for blatantly disregarding the law. Please help me!!
I have a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off my report
I am asking Jared, Galleria of Jewelry and/or XXXX to send me a signed contract by myself that I owe them the debt they are claiming as their own. 

They are reporting on my credit reports ( XXXX, XXXX, and XXXX ) that I owe them money. 

I am asking for a signed contract with myself and the company.
I have a Chase Credit Card where I make a minimum payment to since the credit card was opened in XXXX. I recently have gone through financial hardship and have been late on some payments as of XXXX of XXXX. I went over 6 years with on-time payments and 1 year with late payments. I had to quit my job of over 5 years in XXXX.
On XXXX/XXXX/XXXX, I had to replace my XXXX due to hardware issues. I did not think to disable my two-factor authentication. So I was locked out of Coinbase as well  as many other accounts. All the other accounts I do business with were able to help me regain access within a couple of days. While the reason for my account lockout is not the fault of Coinbase, it is unreasonable that 30-days later I have not been able to regain access to my account. As of today, XXXX/XXXX/XXXX, I still do not have access to Coinbase likely due to a lack of staff to respond to consumer issues. 

Coinbase case number XXXX. Coinbase " escalated '' case number XXXX. 

XXXX/XXXX/XXXX, I attempted Coinbase online process to recover account using my photo ID. The recovery attempt failed. 
I emailed Coinbase and received 2 auto reply  messages including instructions on how to disable two factor authentication, which did not work. 
XXXX/XXXX/XXXX, I received another two auto reply emails. 
XXXX/XXXX/XXXX, I used their online process to send request to disable two factor authentication per their online instructions because they are not responding to emails due to volume. 
XXXX/XXXX/XXXX, I attempted their online process to regain access to my account, but the photo ID process failed again. 
XXXX/XXXX/XXXX, I attempted to call their call center and after waiting 57 minutes, I had to disconnect. 
XXXX/XXXX/XXXX, I attempted to call their call center and finally got through. They were unable to assist me, but they " escalated '' my case. The total length of time on hold and speaking with rep was 1 hr 7 minutes, with the majority of time on hold. 
XXXX/XXXX/XXXX, I received an automated email with the same procedure that does not work. 
XXXX/XXXX/XXXX, I received two additional automated messages ( which I 'd received previously ) offering  instructions, that have not worked. 
XXXX/XXXX/XXXX, I received yet another repeat automated email. 
XXXX/XXXX/XXXX, I called their call center and this time asked to speak with a supervisor. They were not able to assist me, but assure me that my case had been escalated and would be worked in the order in which it was received. Total time on the call both on hold and speaking was 1 hr 27 minutes, with majority of time on hold.
On XX/XX/19, I submitted two gift cards sales to XXXX, which advertises that payments are turned around in 1-3 business days. It's now been close to a month and all effort to reach said company have been fruitless. The amount of each transaction is {$15.00} and {$38.00}. I have called numerous times, left voicemails that go unreturned, and sent emails that are never answered. For business practices like these, they deserve to go out of business.
PNC bank is charging {$140.00} in overdraft fees for XXXX transactions of {$2.00}, {$3.00}, {$10.00}, and {$19.00}. There was a deposit of {$600.00} on XX/XX/2016 and another deposit of {$150.00} on XX/XX/2016. Making it so PNC had {$750.00} of my money. They stated these XXXX transactions happened between XXXX. and midnight. After speaking to a representative and they told me to make a deposit of {$140.00} before XXXX pm on XX/XX/2016 which I did. PNC bank is refusing to refund the fees.