WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased some XXXX through Coinbase using my debit card. I then sold the coins and have the funds sitting in an online wallet, the funds are in XXXX and I have been unable to get any advice out of the company as how to actually get the funds back into my bank account. They advised me to send a payment to them to verify my bank account but they still have not done this meaning i can not get access to my funds. All of the advice on the Coinbase.com website is very confusing regarding the withdrawal of funds especially if they are in XXXX. 

Coins bought on the XX/XX/XXXX and more on XX/XX/XXXX. This was very easy and i used my debit card. I then sold the coins on the XX/XX/XXXX. I completed the payment to them as requested on the XX/XX/XXXX which debited my bank account on the XX/XX/XXXX. Coinbase say they will then verify the account 1/2 days later. This has not been done yet and as all of the reviews online are so negative about this company I am starting this procedure now in order to get my funds out asap. I feel very misled by the company and let down by the online and telephone service.
This is State Farm XXXX. Can you helpI handed XXXX XXXX {$40000.00} to put in to a saving account in XX/XX/XXXX to go with my life insurance so my son would get it if I die. I have Close all of my account with state ( for all of Lies ) as XXXX But for some reason He keeps giving me the run around and will not give me back my money. Every time I call him or his office they tell me it is going to take 7 days I do n't think he planning on paying me back
My savings account went from {$42000.00} to XXXX in 60 days. I do n't know what happened. 
I went paperless with my bank statements about 6 months ago, and logging into my account, is usually a nightmare because of my password-for some reason, I ca n't remember it or WIFI is down and life happens and I end up not checking my statements. If I do need money from my savings, I always use my bank ATM or my mobile phone. All the unauthorized transfers come from a strange ATM, which my Bank additionally charged me banking fees for. Why would I use a strange ATM when I can do it for free on my phone? I usually transfer a large sum at once because I want to ultimately not spend this savings & invest for my future, however after a 5 year high conflict divorce with a XXXX criminal, I am very cash poor & have debts. The unauthorized transfers are done in slow, daily increments of $ XXXX {$1000.00}. I really think my bank should have contacted me to verify if there was fraud based on the irregular transfer activity. When I phoned to make the dispute, CHASE REP was very re-assuring. Then three days later a REP contacted me, in a very smug disposition, over the phone & denied my claim based on the fact I apparently checked my balance on my XXXX/XXXX/15. I may have, but this inquiry did not detail the transfers in question -- only my balance. All I do know is CHASE has had a data breach. I was also a victim of XXXX data breach. This is a high-tech cyber crime and my bank has provided no documentation on how they reached their decision despite my phone request for such evidence. The denied the claim by Monday after submitting my dispute on late Thursday. I think the only law my bank knows they have to abide by is resolving the dispute within 10-45 days. So they just deny and provide no evidence? I asked for additional dispute claim for the period after my " inquiry '' on XXXX. The Claims REP said it would be denied immediately. No evidence was ever provided to me, they did send me a letter, which was a joke! Chase is denying the claim dispute for transactions from XXXX, but fails to provide any written evidence for the full claim dispute despite my request for XXXX claim investigations to be fully documented on evidence once their decision was made. Please help me. I am wiped out. I was divorced after 15 years of marriage to a crook who stole our home 's equity by triple mortgaging it, he paid bills with credit cards and made our finances appear equal with debts/assets. He placed the house title in his name & took XXXX hidden mortgages out on the home. I learned this on my own while divorcing him. My savior was my grandmother who passed away two years ago & left me this money to help me stand on me feet again. Now I am probably going to be homeless within a year. Please help. Thank you
I am so sick of Wells Fargo putting holds on funds I deposit into my bank account and causing overdraft fees to my account. There has to be something that needs to be done to them. These fees are causing more hard to the average daily worker that 's working from paycheck to paycheck. The icing on the cake was when I made a deposit of {$28000.00} to my account and they put a 7 day business hold on my funds which is causing more overdraft fees. I have made payment arrangements with several companies to make my payments and now when they go to take funds out it will cause an overdraft fee. Then the company will put the payment through 2-3 times and each time, it will trigger an overdraft fee. Please make Wells Fargo pay for gaming the average everyday American please. We are just trying to live right, but I am so sick and tired of these BIG MEGA BANKS taking advantage of US!!!
XXXX from Advantage Collection Professionals contacted me at my work. 
I asked her to not contact me at my work and leave a message on my personal number. 

She then contacted me again at my work and stated " I know you told me not to call you at work, but you did n't return my call. '' I told her again not to contact me at work and she said at this point I would be facing legal action. 

I told her I would contact my attorney in regards to her calling me at work when I asked her not to and said goodbye.
Late payments are still reporting on all XXXX credit bureaus. These should be reporting as late being my accounts were in deferment. I have contacted FedLoan multiple times, and also the credit bureaus, this needs to be updated as it is reporting very negative on my credit.
XXXX portfolio services are fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This credit card was fraud under my name as I did not open this account After numerous attempts with portfolio, they have not provided me with proof such as my actual signature in opening this such credit card therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!
I have a mortgage loan which is interest only and the balance is {$700000.00}. The interest rate is 5.75 and since the real estate market crash of XX/XX/XXXX/XX/XX/XXXX I have been trying to get it refinanced to the much lower rates that mortgages have been at since then. My mortgage lender is Bank of America. Everytime I have asked them to refinance the loan, they say that my debt/income ratio is high and they can not do it. 

That is ridicules since for the past 9 years I have been able to make my payments at 5.75 % rate and they tell me that I do n't qualify to make the payments at 3 to 3.5 % rates. 

Of course by delaying this matter for years they have benefited nicely by collecting 5.75 % on a good size mortgage.
I obtained several student loans to attend school. I defaulted on these loans after graduation. The loans were transferred to Regional Adjustment Bureau , Inc. ( " RAB '' ) who began contacting me in XXXX. In XX/XX/XXXX, I entered into a loan rehabilitation program with RAB. I made a large down payment in month XXXX and then made XXXX more consecutive on-time payments. On XX/XX/XXXX, I completed the loan rehabilitation and the loans were sold to a creditor. RAB provided no information on the individual loans. Instead, they provided a single amount owed and treated my situation as if I had only XXXX consolidated loan. 
After the rehabilitation closed, I was not provided any information by XXXX as to where my loans were going to be transferred. I was contacted by XXXX as my new loan servicer. So I began making payments to XXXX in XX/XX/XXXX and have been on-time ever since. 
In XXXX, however, I was contacted by a debt collection agency stating I was in default on XXXX of my loans. After reviewing the Dept. of Education 's FSA site, there was indeed a loan in default. XXXX had no record of ever receiving this loan from RAB. RAB has not returned any of my emails and calls seeking information as to where they sold the loan in question. However, it is clear that RAB failed to properly transfer my loan. I was never notified by RAB or anyone else as to where the loan was transferred to. I never received a single letter or phone call about the loan until XXXX. In short, my loan was 'debt parked. ' As a result of RAB 's failure to transfer the loan properly, failure to provide me with any notice of transfer, and failure to provide an accounting of loan balances, I was given no indication of a pending problem and the loan has incurred immense interest charges on top of the capitalization of interest originally agreed to with RAB in XXXX. 
In summary, RAB has greatly harmed me through its conduct. RAB capitalized its high collections fees into my loans, failed to properly transfer XXXX of the loans, failed to notify me of any transfer of the loan at issue, and failed to provide detailed information as to where the loan at issue was transferred. It is not clear what happened to the loan at issue, but it clearly " fell through the cracks '' after RAB 's failure to properly transfer. As a result, interest has accumulated for years without warning.
Citicard has made countless errors with my account in the past year. They have double billed me, failed to get back to me when they promise to respond within 24 hours, they switched my account without asking me, they sent my cards in the wrong name and to the wrong addresses. They always have excuses but to this day, they have not corrected errors on my bill. I asked them to waive the {$85.00} annual fee, and they are very nasty about it, threatening me, instead of waiving it after all of the fines and fees they have cost me with their errors and incompetence. 
Please help.
I filed a formal complaint with Navient more than two weeks ago, backed by evidence and statutory precedence of NYS Labor Law in support of discharge of my student loans due to disqualifying status based on a previous XXXX XXXX XXXX.. 

After I field a formal complaint with Navient in XX/XX/XXXX, I was immediately notified via their website that I would hear a response within 5 business days. 

As of today, XX/XX/XXXX I am still awaiting a response. 

NYS Labor Law Section 1125 ( 1 ) and the Americans with Disabilities Act ( ADA ) covers the employment of XXXX and furthermore illustrates that at the time my student loans were originated I was not of sound mind to make the important life decision of choosing a university to attend, a major, loan financing, and/or a future career. 

Subsequently, since graduating from XXXX College in XX/XX/XXXX, I have remained unemployable in my field of study. 

During the life of my loans, I was steered by my former lender, XXXX XXXX, into a loan consolidation and several forbearances without being informed of the future financial ramifications : specifically, longer pay off periods at far greater amounts. 

This has resulted in a remaining balance over {$15000.00} in student loan debt after over ten years, with interest that continues to be compounded daily!
In XXXX of 2007 opened a credit card account with Chase. The card had three areas of interest to be charged 1. purchases, 2. cash advances, and 3. balance transfers. The interest charges are as following purchases 9.49 %, cash advances started at 19.24 % now is 25.24 %, and balance transfers are 9.49 %. Each month the bill interest charges from all three categories which gave me my minimum billing amount with the principal amount only being applied to the lowest interest rate which would have been for the purchase. I had mostly used the cards for purchases but had a balance transfer of {$1500.00}. and a cash advance of {$1500.00}. never any more than those two amounts. Although the credit card company is charging interest on all three areas since there is principal amounts on all three areas an the bill is being paid on time although mostly at the minimum payment amount. Example of the charges interest charges for purchases were {$210.00}, interest charges for cash advances were {$27.00} and the interest charges for balance transfers were {$18.00} making a minimum payment of {$520.00}. allowing {$260.00} to go towards the principal for the purchase allowing that amount to go lower in principal amount. The problem that I have is that every statement that I have that shows interest that is being charge against the cash advance an is apart of each billing cycle that amount is being charged and then rolled over into the principal amount of the cash advance causing the cash advance to continue to increase without being used beyond the amount originally used by the card holder. Why should the amount being charged every month for the cash advance for interest and being included in the monthly statement as part of the payment an being paid within the billing cycle that amount is being rolled over onto the principal of the cash advance causing the cash advance to increase dramatically.
The said company did not disclose to me the legality of its practices and the legality of its interest paid on a loan. In the state of NJ this loan is illegal and violates state usury laws. This institution is unable to make a loan without a license in the state of NJ. I was not aware that this loan was illegal and I 'm concerned my personal information as its in the hands of such a company performing illegal banking practices.
I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from XXXX different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.
Hello I would just like for the late payments to be removed from my credit report. I have been in and out of the hospital and not working and havent been able to pay anything. Im getting evicted soon and everything that could go wrong has. I am just asking that your company will be merciful and remove the late payments and maybe we can set up a payment plan for my account, please!
I have disputed an inaccurate account from XXXX XXXX XXXX XXXX for {$1300.00} ( 3 times ) since XX/XX/XXXX.  This is an inaccurate account. I do not owe this company.
Yesterday I received a call from collection agency attempting to collect a debt. 
The woman said I owed XXXX {$300.00} for services in XXXX Michigan, I live in New Jersey. 
This is the XXXX call I received in reference to a debt owed to XXXX. 
I advised the woman I never lived in XXXX, MI and she had the wrong person. 
She then told me in order to clear this up I must call XXXX. 
So I called and was informed I must go to my local XXXX agency and get a paper. 
I then went to my local XXXX center in XXXX, NJ on XXXX XXXX. 
I then waited in line and got to the window and informed the employee of the above referenced situation. 
She then asked for my id driver 's license. 
I went to my automobile to retrieve them. 
Upon returning I was told to wait in line again so I did. 
Then when it was my turn again I showed the employee my license id but advised her she could only look at them but she could not take them. 
That 's when another customer behind me heard our conversation and decided to intervene. 
I told this customer that this was none of her business. 
That 's when the other customer began cursing at me and becoming belligerent and asking for the supervisor. 
I then decided to ignore this customer and continue to my business. 
The employee then asked me to take my letter out of my envelope so she could get the information that was written down on the envelope. 
I refused to because the letter contained again very personal information of my investments. 
That 's when XXXX more employees came to the front window and asked me for my social security number. 
I advised them I would write it down because there was no privacy the other customer was listening and saying she was waiting for a supervisor. 
I then asked for security because I felt threatened because this other customer began sitting around walking in and out the door and saying she would do harm to me. 
The employees working for XXXX felt it was okay because this woman wanted to speak to a supervisor. 
The next employee wanted to know how many states accounts were opened in my name. 
I advised her XXXX 
Then the same employee that asked for my social security number said I had to do the identity theft affidavit. 
I told her I gave this office XXXX before and would go to my car to retrieve and submit again. 
Upon returning I waited in lie again until it was my turn and submitted the employee the affidavit. 
The employee refused because my social security number was n't on it. Law enforcement scribbled it out. 
But I wrote it down again for the employee. 
The employee then took the paper in the back and came out and said it was unacceptable without my driver 's license number on it. 
I advised her that she could look at my license but she could not write the number down. 
Then she said too bad there was noshing she could do for me and good luck. 
My driver 's license number is the only number identity thief 's do not have. 
I feel it 's my only personal information I have that can prove who I am and I can not give it out or write it down. 
Please help I can not afford for this to be on my credit report. 
Thank youXXXX XXXX
Recently, I found a collection on my credit report from the XXXX XXXX which is already over 4 years. 

They have called me anytime including weekend and sent a letter to threaten me to pay for it or put a collection which has been passed a long time ago. 

Pennsylvania, the creditor has four years from the date of the last activity on the account to file a lawsuit against a consumer.
Equifax fails to remove the XXXX account. Equifax reports incorrectly the date of first delinquency for removal .Equifax reports incorrectly that this account is PAST DUE {$64000.00}. Equifax reports incorrectly that this account is REVOLVING. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX Cancellation of Debt from XXXX.. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
On XX/XX/XXXX, I went online at www.westernunion.com and requested an international Bank-to-Bank money transfer for {$160.00} to be debited from XXXX XXXX checking account and be sent to my brother in XXXX. They promised a 7 day completion time-period. I called them on XX/XX/XXXX and they said the settlement date would be XX/XX/XXXX. On XX/XX/XXXX I call Western Union again and they said that they show that the transfer was completed and to check with the receiving bank. I asked my brother to check and he was told by his bank 's remittance department that no funds have been received and they see this often where Western Union allegedly sends money but does not get to the recipient and it would be hard to get your money back. I called and emailed Western Union several times since and was given multiple cases ( XXXX, XXXX, XXXX ) and promises to investigate with no avail. I final asked for a refund and they stopped returning my emails and I get transferred all around the company when I call and get a new case number each time.
I did not receive Notice of Sevice Transfer from Bank of America until 9 days before it is due to changee. I received it yesterday ( XXXX XXXX, 2015 ) even though the Notice Date says XXXX XXXX, 2015. If I am paying a bill through the mail and want to avoid late fees, it is MY responsibility to make sure that I send it in a timeframe which will guarantee it will arrive ON OR BEFORE the date it is due. Why is n't a BANK held to the same standards? Also, I do n't know if it is pertinent, but I am XXXX and they sold my loan to XXXX, a company that has been sued. I never missed a payment, my loan is in good standing.
EXPERIAN continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 7X and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act.
on  XXXX   XXXX ,  2014  I purchased furniture from  XXXX    XXXX   store #  XXXX . I if you paid it off in  one ye ar there would be no interest charged. They also automatically send you a credit card. The store and the credit card are separate. was not known at the time. I took my first payment into the store the day it was due. The clerk took my cash, which was {$140.00}. she gave me a receipt and I left. The next day  XXXX    XXXX   started calling me about my payment. that it was late and I would not qualify for the no interest agreement. I told them I paid in the store and I had a receipt. this was when I found out they were separate . S Th ey told me to call the credit people tell them what happened, they would refund the money then I could send it in to them. And there would be no problem, because it was the clerks fault not mine. So I did they sent me my money back, because i had never used the credit card. and never did. they took away the no interest because they said the payment was late. now years later a collection company is trying to collect {$140.00} plus interest. Now {$400.00} plus.
XXXX  of the benefits with the  XXXX   XXXX  card is earning  XXXX  status after spending {$50000.00}. Under the benefits document and everywhere this benefit is explained, it says : " You 'll qualify for  XXXX  after you make {$50000.00} in net purchases that post to your  XXXX  billing statements. '' Sending multiple messages to customer service and calling in, all agents I spoke to said the spend is based on purchases posted to a calendar year,  XXXX   XXXX  through  XXXX   XXXX . This is contrary to the advertised benefit, which states purchases that post to the  XXXX  billing statements. My  XXXX  statement closed on  XXXX / XXXX / XXXX  which means all purchases made in  XXXX  after that date posted to the  XXXX   XXXX  statement. Thus, all purchases made between  XXXX  and  XXXX  count towards  XXXX  status for  XXXX . I have been denied the status after many attempts in explaining the wording and how I am indeed eligible for  XXXX  based upon my spending between  XXXX / XXXX / XXXX  and today.     Purchases posted to following statements :  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX .     If calendar year spending is what is truly intended, then the wording needs to be changed. I made several large purchases at the end of  XXXX  which I could have held off on if I knew they did n't count towards  XXXX . In any case, based on the wording and my interpretation of the benefits explained, I have met the {$50000.00} spending requirements.