WillisBack/dataset-financial-user-claim huggingface dataset:
After setting my limits to {$7500.00} USD, I deposited {$5000.00} USD to my Coinbase USD Wallet from my US-based bank account. This transaction was made at XXXX XXXX ( EST ) on Monday, XX/XX/XXXX. Coinbase took the money from my bank account on Tuesday, XX/XX/XXXX, before XXXX XXXX ( EST ). 

It is now XX/XX/XXXX and still NO deposit showing. This is the 6th business day ( Internationally ; yesterday was XX/XX/XXXX in the U.S. ) and the 8th calendar day. Coinbase policy is : deposits can take 2-5 business days to clear due to ACH blah blah blah. Well, Coinbase had possession of my money on the 2nd business day, yet did NOT deposit it in my USD Wallet TO THIS DAY! ( Tuesday, XX/XX/XXXX ) On day four ( XX/XX/XXXX ), I called the phone number Coinbase listed with the bank transaction ; that number NO LONGER WORKS. The new number ( XXXX ) is nothing more than a talking phone tree that does not allow for human interaction at all - at the beginning of the call AND at the end of each message down the tree, the voice directs you to go online to their support site. After going through the miserable " Chat Bot '' on Coinbase 's support website, I was finally able to send them an email from https : //support.coinbase.comXXXX ... 

Coinbase 's response so far? CRICKETS!!! Nothing. Nada. Zilch. Zero response. Since I finally sprang for more than a couple dollars here and there deposit to invest in cryptocurrency, Coinbase really sucked me into their net bad. If not stolen, at least misappropriated and using my money as their " FLOAT '' to increase their own corporate profits. At worst, Coinbase is a fraud, at best, a really messed up company. I 'm feeling chaffed. What a CON JOB. 

I have also contacted my bank to inquire what to do about the transaction after-the-fact.
When I was XXXX I got my first part time job and put all of my money into a savings account in my name. It went untouched for several years and when i was about XXXX or XXXX I went to retrieve my money, excited to see how much interest had accumulated, only to be told my account was closed due to inactivity, and the money was no longer there. I asked the teller where my money went and she claimed that there was no record of money being in my account although I showed her my bank book with the date of deposit and the balance. Being young and naive I let the situation go thinking there was no way to solve this problem. Since then the bank has closed. I have checked at www.unclaimed.gov and www.missingmoney.com with no luck. There has to be some kind of record left stating where my money went, or if someone took the money.
Navient has failed to perform its core duties in the servicing of student loans, violating Federal consumer financial laws as well as the trust that borrowers placed in the company. Most federal student borrowers have a right under federal law to set their monthly student loan payment as a share of their income, an arrangement that can offer borrowers extendedpayment relief and other significant benefits. Navient systematically deterred numerous borrowers from obtaining access to some or all of the benefits and protections associated with these plans. Despite assuring borrowers that it would help them find the right repayment option for their circumstances, Navient steered these borrowers experiencing financial hardship that was not short-term or temporary into costly payment relief designed for borrowers experiencing short-term financial problems, before or instead of affordable long-term repayment options that were more beneficial to them in light of their financial situation.
To whom it may concern : My name is XXXX XXXX XXXX I 'm a XXXX American Veteran/XXXX XXXX XXXX XXXX XXXX Soldier. I 'm having a major problem with my car loan financial, lender. Since returning home, I 've been going through numerous surgeries ; here at the VA hospital in XXXX, NM. First Investors is the name of my lender, coming out of surgeries I was 26 days past due on my account. I had the company withdrew {$800.00} from my XXXX XXXX XXXX checking account on XXXX/XXXX/2016. The remaining balance of {$490.00} was to be paid on XXXX/XXXX/2016. My phone conversation to them before XXXX/XXXX/2016, was that I would be calling in with a different bank account number ; because my military bank account I would have the money on the XXXX/XXXX/2016. Well, with the pain and suffering that I 'm going through I was n't able to call in that day. The very next day, I tried the internet and trying to place in the numbers of my account ; and it kept kicking me out and stated. That my account numbers does n't match. I even put in my social security number, and it would still showed no account exist on that social. I even send them an email about the problem. I got an email showing the same numbers I 've been trying to pay on my account. I tried to get a hold of First Investors, every time I tried calling I was place on holding. I was able to reach, them yesterday evening MDT zone. According to the manager in collection that I owed a balance of {$490.00}. I said yes, and I 've been trying to pay. The collection manager told me, since I paid from my checking account of {$800.00}. That they assumed they would get the {$490.00} from my XXXX account to clear up my balance. I told the manager, I did not authorize them to take additional money from this account. I tried so hard for them to understand, not withdrew any money. The manager kept saying if no money is in XXXX account, they 're going to make it bad for me. I tried to transfer the money, from my military account and I was told I have to wait 2-3 business days. I told First Investors I did not authorized no {$490.00} to be taken out. I 'm getting another check on XXXX/XXXX/2016, where all my payments will be caught up. How many days past due on my account, 2 weeks. I gave this country 22 years of my life, to protect domestic and foreign against all enemies. Where can I retrive some patience of I 'm not 30 days past due, or I do not want any NSF charge on my new account at XXXX XXXX XXXX here in XXXX XXXX, NM. I know they need there money, yet when I spoke to the lender at the beginning of the loan ; I mentioned to them, I 'm a XXXX American Veteran, there maybe times when I 'm going miss ; but no 30 days past due if all possible. I received an answer, with all due respect XXXX XXXX ; they would work with me. I 'm saddened that this was n't the case, at this time. They pressure to retrive my business, yet they 're not willing to work with me. I will be calling them again for the day, I called earlier and the XXXX told me ; all there computers are down. It 's now XXXX XXXX MDT. My phone number is XXXX XXXX XXXX XXXX, my email address is XXXXXXXXXXXX. XXXX XXXX XXXX XXXX phone number is XXXX
Ditech began mis-applying my twice monthly payments as principal-only and showing my monthly payment as unpaid, accruing late fees. They accepted and properly posted these payments in XX/XX/XXXX and XX/XX/XXXX but inexplicably began posting these as principal-only in XX/XX/XXXX. They have since applied late fees and despite three calls to customer service over the past week, have not corrected the error. I am also receiving robocalls from Ditech every weeknight telling me to call Ditech but without any ability to talk to a live customer service agent. These calls are placed after their customer service hours, so I have to wait until the following day to contact them.
During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan. 


They later submitted the alleged balance to collection agencies, where it currently resides with AD Astra Recovery Services, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle.

I believe that AD Astra 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.
I want XXXX XXXX, XXXX and Experian to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX XXXX Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ XXXX )
XX/XX/XXXX my husband and I came up short on a few mortgage payments, he is in XXXX and was XXXX which was between {$XXXX} and {$XXXX} a month. We decided to start a request for a loan modification through XXXX and were told to stop our payments all together from a XXXX representative and the loan mod would put those payments at the end of our loan when it was rewritten. So we stopped payments, we filed the paperwork for the loan modification XX/XX/XXXX, ever time the package was submitted XXXX would need another document or they would claim to be missing something we had already sent 3-4 times. Finally they had all of our information and documents and said they would have an answer soon. Within the week XXXX said they were no longer in control of our loan that we were now with Nation Star Bank. We had the same issues with Nation Star Bank, we would call and would be on hold for 45 mins or more with now answer or would be hung up on, they would need more information or not receive documents we had sent many times. Finally on XX/XX/XXXX we had an approved loan modification but the modification does not help our situation they are requesting us to pay double paymets for 12 months to get " caught up '' they requested us to accept the offer by XX/XX/XXXX. We sent the accepted offer in to them on XX/XX/XXXX we had to contact them to make sure it was received they made no attempt to contact us, on XX/XX/XXXX my husband called and they again claimed to be missing documents so close to the due date. Today we signed another acceptance and sent it to Nation Star via email and they were already closed when we tried to call to confirm it was received. Again so close to the due date, it really feels like Nation Star and XXXX are trying to make a 22 year XXXX family homeless.
I have an account with XXXX XXXX. At the end of XX/XX/2017 XXXX changed their contract with their billing/credit accounts. They changed to XXXX XXXX. 

Comenity sent me a notice of the change and a copy of their new contract. I had questions about the contract, but I decided to contact them after I received my next statement from them. I did not receive a statement and they contacted me about being late on my payment. 

After a short conversation, the XXXX representative made it clear they were not going to charge me a late fee or notify the credit bureaus, and that this had happened to many other accounts and was standard with such a transition. I was appreciative, and we got the statement problem corrected. Also, I scheduled a payment to XXXX for {$410.00}. The next day I scheduled another payment for {$130.00} because this was the remaining balance and I wanted the account paid in full. 

About two weeks ago I received several emails from my credit monitoring service 's. I took a look at my credit and noticed there was a late notice on my credit report from XXXX XXXX. 

I called XXXX XXXX and spoke with a service representative. They placed me on brief hold and I was transferred to a manager. There was a language barrier, however, she was extremely nice and said as a one-time courtesy she would have that late payment removed. I was very pleased this was as easy as it was. 

The next day, I received several more notices via email that I had received more late notices on my credit report. I just assumed it was the same notice. Later in the day I did check my credit report and there were two more late payment notices from XXXX XXXX, for a total of three notices. 

I immediately called the same people at XXXX XXXX and she said she followed guidance on removing the late payment and did not know why this happened. I made an effort to explain it did not work and now it seems worse. The manager explained that I would need to use the letter XXXX XXXX was going to send me to dispute the late notices through the credit bureaus. This seemed to be more confusing, but I don't think the Bank representative knew what to do at this point. 

So, I have enclosed the bank statements that reflect my payments and the letter from XXXX XXXX. I am in the process of trying to purchase a home in Florida and my bank requires that I have NO delinquencies for past 12 months.
The Collection Company keeps calling and calling we have told them we do not owe them any money no body at this number owes any money they keep calling every day no matter what you tell them.
My auto loan through ally XXXX XXXX is in good standing and when I make my payments every month I get no credit score increase for making on-time payments
XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all three credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.
I have not applied for any credit, but XXXX did a hard pull XXXX/XXXX/16, reducing my credit score. I 've seen several complaints about XXXX, and was advised to start my dispute here.
I received a call from XXXX from capital one. I returned the call and he explained to me that there might be options available for my account I explained to him I was already told that there was n't and he insisted that I be transferred over because there was options available he also left that message on my voicemail. He was not polite when I asked him about the issue and refused to give me the address to the legal department so I could send in a writ and summons from XXXX court. The court requires that the address is verified by the defendant. Also I asked him if the supervisor could give it to me and he replied there is n't any supervisor. He accused me of not cooperating with the representative XXXX after she asked me XXXX question and I answered it and she asked me the questions again which was what caused you to fall behind and I told her I was sick he accused me of not answering financial questions when she never asked. I told him if I was n't given a legal correspondence address I would file a complaint with the CFPB XXXX XXXX encouraged it and said he 'll address it when he receives it. XXXX is not trying to resolve issues with customers. If this matter is n't settled capital one will be sued for each and every call of harassment from the company. XXXX said that capital one calls when you fall behind and sends text messages. The was n't any prior authorization to text and also they called repeatedly several times a day back to back.
Discover card THROUGH A LETTER WITHOUT ME REQUESTING IT, They offered me a CREDIT CARD WITH NO INTEREST FOR ONE YEAR. 
Enter the internet to accept the offer and when the process ends, they inform me that they no longer offer me the card without interest payment. so I decided not to accept the card because that was not the offer I received. 

Discover card offers me with my Name a promotion, they check my score and then tell me no! I accepted that they consulted my credit because I was offered a promotion of non-payment of interest but then they say no. 

I request to you, please help me to remove from my credit history the consultation of my credit by DISCOVER card! 

thank you very much!!
On XXXX XXXX, 2018, I attempted to deposit cash into my landlords account in order to pay my rent for the month of XX/XX/XXXX. Bank of America would not allow me to deposit cash into the account because they informed me of a new policy that prevented me from paying my rent. This policy is discriminatory against lower income individuals whos primary source of income is cash.
This is a mortgage loan over 10 years and they still have it active. the home was foreclosed on by the homeowners association which I no longer have the property but they still call to pursue payment. saying that i still have the property I spoke with someone there they told me show them documents that the homeowners accumulated the property and they should Release Me From This death and they not have done so I went back got all the documents and email them and they did n't live up to the word.
Ditech has served me with a summons for foreclosure on XX/XX/2016. I am fully aware that the Consumer Finance Protection Bureau requires 30 days notice before this is served. The notice should include that this is a possibility and give me options to prevent it. I have diligently read and kept every letter, and there is no notice. I have personally witnessed this happen, and then at trial, the Plaintiff/Bank miraculously has a letter dated at least 30 days before the summons was served. I am quite concerned that the same will occur in this instance. This has to stop somewhere.
I have been trying to apply for a loan modification with Amerihomes for about a year now. I fell behind due to my debt that accumulated during my mothers death and sickness. I also had flooding in my basement. When I tried to make a payment the bank would not accept it because I was more than 3 months behind. I have applied on several occasions. I always provide all the documentation they request. Every time I call it is another document that they request. I submitted another loan modification package. I was told it was complete as of XX/XX/XXXX. It was with the Underwriter and it would take them 30 days to make a decision. Now today on XX/XX/XXXX I was told by Ms. XXXX agent ID XXXX that the XXXX has stopped reviewing my package AS OF XX/XX/XXXX because they need more information. They need proof my mother died and medical bills and they need me to send them a bill for all of my expenses itemized. They want bank statements outlining all of my expenses. This is unfair and ridiculous. They are going to keep making excuses until I loose my home. Every time they put an excuse to this loan modification. It seems like they want to foreclose on my house since it is in a nice area. We make more than enough money to pay for our mortgage between my son and my sister 's family. Our hardship was resolved and they are trying to steal our home! my family has been through enough now they want us to be homeless too!
I have filed numerous complaints, had several different call center representatives research and continually ignore what the real issue, problem and answer is. Responding with large 80 plus page documents. I have thoroughly reviewed every page and even found errors I was not aware of previously. This was done to intimidate both myself and the CFPB.

With every complaint a new call center representative XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX all assigned to pass the same 80 plus page document back and forth only with a new cover letter. All cover letters are the same stating they have tried contacting me which was done for the purpose of documenting a contact or for more time when they say they are trying to contact me.

That contact consist of a call where there is one ring and there is no one there when I answer. This has occurred on several occasions. This is a tactic. In addition WELLS FARGO HOME MORTGAGE has more than one contact number for me a land line of 25 years and a cell phone of 12 years. 

XXXX, XXXX, XXXX and even XXXX thought this was laughable. It is not, they are dealing with peoples lives XXXX seniors. 

Every complaint filed produces a computer generated letter from XXXX XXXX XXXX Vice President another tactic. 

However, no follow up is evidenced by XXXX XXXX or XXXX XXXX for that matter in any of the complaints filed. 

This is a very serious issue as it was originally initiated by the Department of Justice and HUD as a fair housing claim that ended in Federal Court. Believe me there has been nothing fair about the entire process. 

I am requesting that the issue addressed in complaint number XXXX Be thoroughly reviewed by these two individuals XXXX XXXX and XXXX XXXX XXXX for appropriate handling and the resolution and correction to this long on going huge mistake of using the wrong origination date XX/XX/XXXX as evidenced by the settlement company instead of the correct origination date of XX/XX/XXXX as the inclusion date criteria by WELLS FARGO HOME MORTGAGE.
In XXXX XXXX I found out that more than {$16000.00} had been transferred to my sons ' linked accounts from my Checking account. It had happened over more than 3 months starting in XXXX XXXX. USAA said that since the money was moved into both sons ' accounts that this was my problem to sort out with my sons. They sent me a form letter stating that they closed the investigation. But they did not provide me with an answer to how such a sum of money was moved from my account to my sons ' account without my PIN number on so many transactions over that time. I had changed my PIN several times because of difficulty I was having accessing the account online. They said they would elevate the complaint about 2 weeks ago and that they would be back to me in 3 days but I have heard nothing since. Please help.
I have two issues with report. 

1. This is a student loan collection/rehabilitation account with performant recovery which is open and I make monthly payments to rehabilitate the loan but I have disputed the account and they are reporting it as closed derogatory. The account is open. 

2. The original loan was opened with XXXX ( XXXX ) When the loan defaulted, there was a XXXX balance transfered to Collection and a new collection account was opened on the credit report also labeled XXXX. Not only does it look like I 've defaulted on XXXX loans, my credit reports show XXXX in debt, which is clearly inaccurate.