WillisBack/dataset-financial-user-claim huggingface dataset:
Case Description : Brand New Customer and I 've had nothing but horrible customer service and still unable to use my card, ca n't seem to find anyone willing to help. 
I ordered a Wal-Mart Credit Card around XXXX, and after having to have the card re-mailed 2 times, I finally received it on XXXX. I ordered the card specifically to be able to get my children 's layaway out and for no other purpose. I received my card on XXXX, called in and activated my card prior to heading up to Wal-Mart to pay off the layaway. My card never went through and so I had to get out of line to call in and figure out why. After speaking to the representative I was informed that a fraud alert was placed on the account and that I needed to verify some information. I verified with the representative my Name, Address, Phone Number, Social Security Number etc ... They then proceeded to tell me that they were going to send a text message to my cell number, which they did the day I was approved for my card, and several other times prior to with no problem, but for some reason on this particular day, they were not able to verify me with " the same phone number I 've always used and previously been verified on '' in order to remove the fraud restriction and allow me to complete my transaction. Every time I call in, every single representative has been not only rude, but does n't answer questions that you ask, talk over and you can clearly tell that they do not care about Customer Service at all. It logically makes no sense, that a person can verify every single piece of information on their account but not be considered " verified '' b/c of a cell phone number!!!! Especially when I 've previously been verified on the very same cell phone number numerous times before. I also tried giving them XXXX other numbers and they were n't able to use any of them. This situation is beyond frustrating and b/c I have not been able to get a Customer Service Agent on the line willing to help, I had to take this route instead. All I want is for the restriction to be removed so that I can complete my transaction.
I have been locked out of my Coinbase account for over 5 weeks now which holds on this day XX/XX/XXXX the equivalent of {$5600.00} worth of Ethereum coins/tokens. That is a lot of money I ca n't access.

The issue first occurred on XX/XX/XXXX when I tried to sign into my account. I received the following error : ''Invalid email or password. Try clicking 'Forgot Password ' if you 're having trouble signing in. '' Now straight away I thought this was very odd as I use a password manager to enter my details. I tried to login a few times more but the same error kept appearing. I eventually requested a password change. Coinbase sent me an email to reset my password which worked with no issues. However, no matter how many times I changed my password the same error still popped up. The email is 100 % the email associated with the account and obviously the password is correct so it is not a fault at my end. I can login to my account via the Coinbase APP but ca n't access my wallets/accounts. Again, I receive an error message. I have tried signing in from another device and different browsers to no avail. I have even asked my friend to try and login for me from his computer. Nothing works. 

Now when I attempt to login I 'm receiving the error message in the title : Sorry, account temporarily disabled. Please contact support.I have contacted support by email and created a ticket ( Case # XXXX ). 

I have also sent them a direct message on XXXX, my only response was via email which seemed to be an automated response which stated ''Due to increased volume it may take several days to receive a response. '' For me this is completely unacceptable customer service. Not being able to access that amount of money particularly over the festive period has caused me a great amount of stress. 

Any help/advice on this matter would be greatly appreciated.
After holding a secured credit card with Capital One since XX/XX/XXXX 2015, in which I deposited a total of {$3000.00}, I applied for a new account with the bank. After initially being denied for " security reasons '' ( they indicated they were unable to verify my identity, even though I had been a credit card customer for over two years, as well as a checking account customer ). Initially I was given a credit limit of {$500.00}, and after making prompt ( often, multiple ) payments every month and carrying no balance for six months, the bank finally increased my credit line by {$250.00}, to a total of {$750.00}. The bank refuses to acknowledge that I had spent, using the recently closed " secured '' credit card, more than {$65000.00} ( of which I earned no benefit, such as rewards or cash back ) without ever carrying a balance or being late. Requests to have my credit reviewed and an increase made are summarily dismissed, with a reason given that it is " too soon '' to request another increase, and no matter who I speak to at the bank, the standard response is that there is no means to have my account reviewed.
Additionally, I have been waiting more than three months for a refund of the secured funds deposited in 2015, to which the initial call ( nearly a month ago ) indicated a check had been sent and then returned by the postal service. After an additional four calls, each roughly one week apart, the bank has yet to provide an answer as to when the funds will be returned, nor have I received a check or credit, even though I have a Capital One checking account ( which I will soon be closing, as this bank clearly is not interested in my business ).
After making the mistake of recommending my father also use Capital One last year, for his business credit card needs, he was " rewarded '' with a {$2000.00} limit when his monthly spend ( also paid in full every statement ) averages {$40000.00}.
At the beginning ofXX/XX/XXXX, Coinbase closed my account with their service and their exchange GDAX. I had been a customer of theirs since early XXXX. My account closure has caused me significant financial stress when dealing with digital currency. I have reached out to Coinbase support many different times asking for any explanation for my account closure. I have recieved nothing from them offering any sort of explanation or help to resolve this issue. The customer service has been nothing short of awful to someone who has been a customer of theirs for nearly 4 years. I still have get a resolution, just non-existing support.
On XX/XX/XXXX I went to check my credit summary on XXXX XXXX. Their was an alert on there at which point I went to check out. It seems that a new account was opened at XXXX XXXX XXXX in XXXX OH on XX/XX/2018. It was for a total of {$130.00}. I immediately went and sent the bank a registered letter that I did through XXXX XXXX. This was mailed on XX/XX/XXXX and I haven't heard one thing back.
Pentagon Federal places a 6 day hold on deposits that are made to a Premium Savings account even though the funds deposited were transferred from a Pentagon Federal checking account owned by the same person that are already collected funds.
I have never had a account with this company, now they are reporting in my credit under a bankruptcy. I told the rep I disputed this account requested validation of the inaccurate account on my credit report, then added it to a disputed bankruptcy on my credit report. I was also told they open this accounts online. I told the rep I am a victim of identify theft also had a problem with a security breech, They refused to remove this account from my credit or provide me proof of who opened this account, I also requested a contract with my signature. This is not my account and has been damaging my credit for years. 

The address the rep gave I have never lived at. I am demanding this removed this is a fraudulent account & has not been filed under a bankruptcy. I believe this status was added to keep this inaccurate information on my credit longer after my dispute with this company.
Per our conversation a representative from GLA /phone number XXXX, continues to call me numerous of times throughout the day, and when asked about the debt amount the representative was very aggressive, and gave me an an amount that differs from the amount I received in the mail.
I attended XXXX XXXX in XXXX MA. Now I have Federal and Private Loans. The Federal I was able to consilidate XXXX loans into 1. But I still have XXXX private loans each with large interest rates. I 'm struggling to pay these debt off now.
I do paperless banking with key bank. I monitor my accounts, including my buusiness credit card balance online and on the key bank app. 
I received a call yesterday that there is a 53 days late payment with payment of {$100.00} due. The balance on my online banking is showing XXXX balance, which i conveyed to the bank representative calling and asked that They not charge me late fees and withdraw any derogatory report to credit bureau. 
I made a full payment of {$600.00} to close the matter, but I asked for refund of all late fees considering that that balance was not visitble to me and is still not. 
The customer service declined to do so and could not see or access the accounts in question to verify. 
While I am now closing the credit card with key bank, I feel that they are not doing enough to rectify a problem that they are responsible for and not willing to withdraw any report to credit buearau.
the date open on this account is being reported as XX/XX/XXXX which is incorrect. its now XX/XX/XXXX but this account is showing an updated status of XX/XX/XXXX. 
its also showing late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was not late on any of these months but cant get reporting agency to verify that i was indeed late. the balance reporting is also inaccurate
In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus.  Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the   XXXX     XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they decl ined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.
I have no dates other than XX/XX/2017. I have told this collector to stop calling my job and to send me written notice several times and he has done neither. Today when I reminded him again that I have asked him repeatedly to stop calling and that I was going to file a complaint he got spicy and said that he does n't care about me filing a complaint. I hung up and he called my personal line.
I have tried to resolve this one late payment appearing on my credit with the company, it caused my score to fall more than 60 points. I have 3 accounts with XXXX XXXX and I was never pass 30 days late. The information says current paid as agreed however there is a late for XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$670.00} Terms : Revolving Limit : {$750.00} Past Due : {$0.00} Payment Status : Pays account as agreed Paid or paying as agreed r
XX/XX/XXXX, ~XXXX PST - went into Bank of America branch ( XXXX XXXX XXXX , CA ) to get added to my wife 's existing Bank of America checking/savings account. 
My profile was set up under her account, however when the teller went to " join '' me to my wife 's existing account, a Risk Flag popped only providing the limited information that Bank of America has flagged me as having a prior charged off account and I am not able to have any accounts with Bank of America.

This is concerning as I have never had any relationship with Bank of America,  nor have I had any charged off accounts anywhere else. My first thought is this could either be a result of identity fraud ( recently out of the XXXX so my SSN is at higher risk for being exposed ) or a mixed file at Bank of America as my name is very common ( I've had previous issues of mixed files with the CRAs ). 

As next steps I have done the following to try and understand what information the bank is seeing that may be causing this risk flag on my name. 
- XX/XX/XXXX - XXXX Pulled all three consumer bureaus from XXXX to check to see if anything fraudulent or derogatory was showing up on any of my bureaus. I have a clean credit report, higher than average score and never had any issues getting loans or credit elsewhere. 
- XX/XX/XXXX - XXXX PST Called into BOfA Fraud number - spoke to agent for 15 minutes ; agent suggested calling the XXXX that BofA uses for Charge Offs/bad debt as well as the Credit Card charged off group and provided multiple phone numbers. 
- XX/XX/XXXX - XXXX CST Called XXXX , spoke to agent and a supervisor for 35 minutes. XXXX has no record of me in their database. Said they would send the XXXX report via postal mail. 
- XX/XX/XXXX - XXXX PST Called BofA checking/savings group and spoke to an agent for 10 minutes. Recommended 3 additional phone numbers to try and call ( Recovery Services - XXXX, Risk Acct Closure - XXXX, Credit Cards - XXXX ). 
- XX/XX/XXXX - XXXX PST - attempted to call general BofA line to attempt to get some sort of escalation or to another group. Spoke to an agent for 8 minutes and was given yet another phone number for Risk Acct Closure. 
- XX/XX/XXXX - XXXX PST - called Risk Acct Closure group to yet no avail. Spoke to that agent for 9 minutes and wouldn't you know, that agent recommended I call the Fraud group ( the first group I called back on XX/XX/XXXX ). 

All I want to understand is what is causing this " high risk '' flag on my profile that's keeping me from having an account at Bank of America. I'd like the opportunity to clear my name so that this doesn't potentially cause any future issues in the instance of a mortgage or car loan. Bank of America keeps sending me in circles and won't help me so I'm filing this complaint.
I 've recently read about how XXXX College was listed as a predatory school and feel that I was highly pressured into enrolling. Now I 'm in a sea of student debt that I can not repay and am unable to find a job. I was told that I would receive help, but the one time I was able to return for help I was told that there was nothing to be done. 

I 've tried to return in order to receive more help to find a job, but the campus I used to attend is no longer available and has changed names.
This letter is to remedy a problem I am having associated with an old marital property. the I was divorced in XX/XX/XXXX from my ex-husband. In our divorce decree, my ex-husband was awarded the property and I signed a quitclaim over for this property, filed bankruptcy in XXXX XX/XX/XXXX with it being discharged in XXXX XX/XX/XXXX. In XX/XX/XXXX I purchased a new home and attempted to refinance the home in XX/XX/XXXX only to be advised that a negative " hit '' was placed in the XXXX system stating I had foreclosed on a loan which is untrue. My ex-husband continued paying on the loan and from according to records I have been able to ascertain, he allowed the home to go into foreclosure and signed a deed in lieu of foreclosure. I do n't understand why I 'm being affected with him. If I had known that I would still be held liable for this I would have preferred to have attempted a short sale. I never signed a deed in lieu so how would it be valid. Was my signature forged? If you say that it was n't my property and my signature was not needed then how can you report me to the XXXX system as being held liable for property that was not mine. It seems as though it can not be both ways. I have had no affiliations with this property since the divorce and this is hindering me and I 'm looking for Chase to assist me. I have attached copies of the quitclaim and divorce decree which took place prior to the foreclosure.
On XX/XX/XXXX and XX/XX/XXXX my payments to Navient were not processed. I have been enrolled in Auto-Payment for several years and my bank information has not changed. In XXXX some of my loans were removed from Auto-pay without my permission. I demanded that they be put back on Auto-pay and was told that my payments would be automatically withdrawn going forward. Low and behold, XXXX rolls around and crooked Navient didn't process all of my loans AGAIN. When they pretended to re-enroll me they put in the WRONG account information. What a bunch of crooks!
On Friday, XXXX XXXX, 2016, there was an un-authorized transaction in the amount of {$1100.00} from Speedy Cash. I never authorized Speedy Cash to use my card ending XXXX to pay for this loan. 

In the past I had a loan with speedy cash that was paid for in full, and one of the payments made on that loan was made by my card ending in XXXX. NEVER did I sign anything from Speedy Cash authorizing them to use this card for future payments, nor do they give you a warning saying this card will be and/or can be used for future payments. 

I took out a XXXX loan from Speedy Cash around XX/XX/XXXX or XX/XX/2016, NOT once did I provide them or authorize them to use my card ending in XXXX. I provided them with a different card number. I then let Speedy Cash know that I have retained an attorney and I am in the process of filing a Chapter XXXX bankruptcy. They refused to stop taking money from my acct because a bankruptcy case has not been filed, and this forced me to close my bank account with another financial institution because of their predatory practices. 

I contacted Speedy Cash and spoke with XXXX in the Bankruptcy Dept of Speedy Cash and she refused to reverse the transaction saying I authorized them to use this card. I attempted to explain that I DID NOT authorize them to use this card of this loan, and she told me because I used this card once on their website it authorizes them to use this card for payment. I told them NO where did I sign anything saying they can keep that card on file, it was a one time payment with this card. She did not care and kept repeating that I authorized them to use this card. 

This company preys on people and uses deceptive practices to take money from authorized accounts, they have been informed and have been provided my attorney 's information which obviously they could care less. The money they took belonged to my husband and was from HIS paycheck and not mine. This was money to pay for our rent, children 's school supplies, clothes and groceries until the next payday. 

I am respectfully requesting that this transaction be reversed and funds be deposited back into my account immediately.
Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, Principle XXXX XXXX my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run on XX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.
I recently received forms from Pressler and Pressler representing XXXX XXXX. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. 

I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XX/XX/XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XX/XX/XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by XXXX that the debt was charged off, the judgment was taken off and Pressler and Pressler no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel worthless from this and my XXXX are getting worse which is what my XXXX XXXX is. Since XX/XX/XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.
Cavalry Portfolio Is reporting collection on my XXXX credit report. This amount may not have been report on recent Bankruptcy because this account was found to be fraudulent by a court of law and Cavalry owner in Illinois civil court. This company Cavalry is reporting this found that I was not liable and dismissed without Prejudice on XX/XX/2014 by Cavalry 's attorney 's. This amount would have been included in my Bankruptcy if it wasn't dismissed in a court of law before the bankruptcy took place.