WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX I received a deposit into my Skrill account. I was unable to withdraw the funds because they stated that my account needs to be verified. I followed the instructions by hitting verify and I was told that Skrill would deposit micro amounts in my account for verification. 

This happened a day after, however, there was nowhere on the site to enter these amounts. I contact Skrill by phone and was told that they are aware there is nowhere on the site to enter these amounts, so I would need to send a copy of my bank statement. I forwarded a copy of my email while still on the phone with the rep. who confirmed that it was received, and it would be looked at on XXXX XXXX/XXXX/XXXX. I called back on XXXX and was told they are still in the process of verifying my account. I had multiple conversations with different reps until one finally said that they would do a manual transfer for me while I await verification. This manual transfer happened on XXXX/XXXX/XXXX. Another transfer came in on XXXX/XXXX/XXXX. An amount earmarked for my mortgage, at this time my account has still not been verified and I am still unable to withdraw my funds. 

The phone calls to Skrill begin again with each rep telling me something different. I just got off the phone with a rep today XXXX/XXXX/XXXX who told me that a manual transfer will not be done for me this time, like a previous rep told me because I received one before. As usual they will contact me when they have a status update on my account. They keep telling me this, but no XXXX contacts me from XXXX. So here I am stuck, no verification, no money, no contact from Skrill. On their XXXX page they state that this process takes 24-48 hours. But here I am 8 days later still nothing.
we could not make our lasts month payment because of high utility bills. we asked acc. rep. to defer our payment til the end of our loan. he said no problem since we had never done this in the past. when we contact him he says he is waiting for approval. it 's been a couple weeks we think he might waite til so much time has gone by and try and forclose. we have been denied a loan modification. our interest is 10 %. we are on social security greentree says our income is enough. when we pay our bills we have a little over XXXX left and that is without buying food or gas for our car when we applied for a loan modification they said we would have to pay XXXX a month for 4 months we can barely pay XXXX can you help us. we don, t have any loan papers from greemtree, only a letter we got years ago saying saying they had acquired our mortgage.
I 'm based in the XXXX and sent funds to coinbase.com to purchase some cryptocurrencies. 

I made 4 payments to Coinbase but forgot to include the reference number XXXX. My first payment made in XX/XX/XXXX did have this included. You 'll be able to see it 's the same bank account. 

Amounts and date sent :XX/XX/XXXXXXXX Euros sent. Bank Reference/Transaction ID  XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX Support case ID Case ID : XXXX was created : XX/XX/XXXX XXXX PST. However, there have been no responses via their support portal or twitter ( as per their recommended procedures ). Telephone number XXXX ( XXXX ) XXXX has been listed however they will not discuss deposit or withdrawal enquires leaving me dependent on their portal as the only means to try and establish some contact. 

My account details with Coinbase are as follows : Name : XXXX XXXX Email : XXXXXXXXXXXX
I notified TransUnion about inquiries on my report that I didnt authorize and they said it was nothing they could do it would have to stay XXXX years.
I am XXXX and fell behind on a few mortgage payments. I was able to make a large payment of XXXX dollars. Nationstar returned the check I sent. Nationstar informed me that I need to send XXXX in order to stay livi g in my home.
I am filing a complaint against MEDICAL DATA SYSTEMS I a medical debt collector and XXXX, XXXX  and XXXX   Credit reporting agencies. The complaint involves MEDICAL DATA SYSTEMS I reporting a collection on my credit report knowing that the Insurance company XXXX XXXX XXXX XXXX is responsible for the unpaid medical bill. I have contacted XXXX XXXX XXXX XXXX and they have confirmed that I have insurance and that they will pay the bill once received from MEDICAL DATA SYSTEMS I/XXXX XXXX. I have also contacted MEDICAL DATA SYSTEMS I and they agreed that the bill would be placed back in their insurance division and not collections. 

I filed a dispute with XXXX, XXXX and XXXX  explaining that this bill should not be a collection because the insurance company has agreed to pay the amount of {$2200.00} for a medical bill that is covered under my insurance. 

MEDICAL DATA SYSTEMS I reported again that the bill was a collection, knowing that they had been in contact with XXXX XXXX XXXX XXXX and they verified that insurance would pay the bill. 
MEDICAL DATA SYSTEMS I is fraudulently reporting information to the credit bureaus that they know is incorrect. I am requesting to have this derogatory information removed from my credit report. I also want to add XXXX, XXXX and XXXX to this complaint for willingly participating in this fraud. I have attached a letter from XXXX XXXX XXXX XXXX confirming the mistake and pending payment
My tenant has been using XXXX to transfer funds from her XXXX XXXX account to my Bank of America account since XX/XX/2017 without a hitch. The funds have been transferred within minutes as per the marketing claims, until last month. Suddenly, whenever she transfers the rent money the funds are being delayed. I called Bank of American about this last month and the guy said it sometimes takes up to XXXX hours for a transfer from another bank to go through. Then, almost as soon as I got off the call, my money was released into my account. 
They held the rent transfer again this month. When I tweeted BofA_Help about it they didnt respond, so I called this morning. Today, they said it takes one to three days for transfers from another bank. I informed them that I checked both their web site and XXXX and they both say the same thing. Transfers from new registrants may take one to three business days. I asked for an explanation as to why only these transactions are being held and they couldn't give one. There has been no change in the tenants bank so she did not have to re-register for XXXX and there is no reason for them to withhold my funds. 
For the record, other transactions from this same person have gone through without a problem within the last two weeks. Also, I have no problems receiving funds via XXXX from people who bank at XXXX or other banks. All of those transactions have gone through without a problem so their foolishness about transfers from other banks taking one to three days is absolutely not true.
creditor letters are attached for the removal of the delinquencies, i have already send the letter to the bureaus to have them removed but they are not cooperating please help me to remove these inaccuracies from my credit report. 
thank you
I applied to take over a lease from a private party through the website XXXX of which I am a member. The leasing company was XXXX XXXX. They denied my application. I requested in writing why it was denied and the written reply was " Terms/conditions requested not offered ''. What the does that mean ... you ca n't talk to a person. I requested a copy of the report that was used to deny the application. They charged me {$120.00} to apply so I should be entitled to see the basis for the denial. The last communication from them was on XXXX/XXXX/2017.
TransUnion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.
Company keeps calling and harassing me claiming I owe them a debt i never had with them. i ask for proof of this debt, but never receive it. They are rude and belligerent. 

This company has had to settle lawsuits with attorney generals of various states.
On XXXX/XXXX/16 Nationstar had their 3rd party vendor XXXX XXXX XXXX secure the property i own and live at XXXX XXXX XXXX XXXX XXXX NJ. House was not vacant, i lived there and was in the process of negotiating a short sale with Nationstar. When i came home i couldnt get into my house a lockbox had been placed on the door. When i finally got in, I was horrified to find ALL of my belongings gone. everything I ever owned. To this date, neither Nationstar or XXXX has returned my belongings, which were most likely thrown away. Nationstar didnt bother to speak with me or my agent about securing the house, and now i have no clothes, no personal documents, etc. I was left like a dog in the street. I want NAtionstar or XXXX to return all my things or to compensate me for the things lost and for the pain and suffering, along with the health issues I have now had to deal with because of this traumatic event.
To whom it  may  concern, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX    2017  by certified mail in order to dispute information, in regards to   XXXX  h ard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX  2017    and they completed the request on   XXXX   XXXX  2017.  The request that I submitted included   XXXX   Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1  ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
This is reference with closed complaint # XXXX which actually was not properly closed. In letter dated XX/XX/18 XXXX XXXX refused to wave subordination fee in amount of {$130.00}. I've asked couple times PNC customer service about it and was told that subordination fee only applies to refinancing with other lenders. At least twice I've asked to document it in notes and was told that it was done. I've never sign any document to pay the subordination fee. Also {$130.00} was deducted from my payment to principal without my consent. In same letter XXXX XXXX waved late fees in amount of {$350.00} which actually was never done. I've checked all statements from XX/XX/2018 and there is no credit in amount of {$350.00}. 
Three phone calls to XXXX XXXX were never returned. It looks like typical policies of PNC, most of phone calls to managers were never returned and PNC is simply violating the most basic rules.
Claim I owe money to a payday loan from  2008 . I have no knowledge of any loan. Will not provide proof, claim they do not have to. They say they will prosecute me for defrauding bank if I do n't pay immediately. They have called me, my in laws, and an old friend relentless ly 10+ times a d ay from  XXXX  (  XXXX   XXXX   XXXX . Claim they are  XXXX   XXXX   / Paragon and are a  mediation company.
I received a letter earlier this year from XXXX advising of the ending of their partnership with XXXX XXXX and that Citibank VISA would be the replacement. I called XXXX immediately to ask if I would be given the option to decline this VISA card since the letter did not address this question. The XXXX representative said I would be given that option prior to issuance of the card. On XXXX XXXX of this year I received a letter from Citibank that says my new Citibank VISA card will be mailed to me. I never received any notice or opportunity to decline this card prior to issuance. I immediately called Citibank and told them I do not want this card and I do not want a relationship with Citibank. Citibank said they could n't do anything about this card until I actually received it and then they could " try '' to cancel it. I am on the permanent opt out list for ALL credit offers, etc. and do not want another XXXX card. I am disappointed to learn that Citibank through contract with XXXX merely transferred my personal and financial information and automatically issued me a credit card without my permission to do so. I want to have the say over which company and which credit card I do business with just as I did when I originally applied for the XXXX XXXX XXXX card.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX   XXXX  with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
XX/XX/XXXX I reviewed my account statement for a Cabinet purchase financed through Synchrony Bank, and was surprised to see that my statement more than doubled. I intended on paying my entire balance in full on my previous statement, which was {$1100.00} and was surprised when I saw my statement was {$2400.00}. Upon calling Synchroncy Bank, the initial representative was extremely unhelpful and I quickly requested to speak with a supervisor. 

The supervisor stated that the new balance reflected interest calculated through the life of loan. The online payment system kept telling me a minimum payment, which I made double, sometimes even quadruple on a monthly basis with the exception of XXXX so that I would have a little extra money to spend for XXXX gifts for my loved ones. The system only reflected the minimum payment expected for the loan without the calculated interested that was building up. The supervisor said that the fees assessed reflects total interest calculated for the life of the loan to this point. 

Additionally, the APR on this credit card is 29.99 % which I was not aware was happening. I was making payments to the best of my ability, even through job loss and under employment with the intention of paying off the entire debt today. 

The balance now, with the APR makes it impossible for me to do so. The supervisor insisted that they could only waive a single fee- the XX/XX/XXXX interest, but could not waive anything else- the life of the loan interest. She also stated that there is no way to settle the debt or modify the terms to make it more reasonable. 

This company is directly violating the FDCPA by making terms unfair, deceptive and abusive. There is no way that this should have happened. Synchrony Bank did attempt to reach out to me via phone call but never once left a message. Their emails to me never once warned me about this promotion ending and started harassing me for missing a single payment even though I had always paid more than the minimum. 

Furthermore, the manager that I spoke with at Synchrony Bank gave me conflicting information about where the corporate headquarters is, stating that they only had a PO box and did not provide a physical location to mail any payments, should I agree to mail a settled payment.
On or about the second week in XXXX XXXX I received a call from State Farm Bank asking for a past due payment on a car loan. I asked why they were calling me for payment. The collector stated that I was the co-borrower on a loan for a XXXX XXXX XXXX and that State Farm was unable to reach the primary buyer XXXX XXXX. I was very concerned about my credit being destroyed so I began making payments to State Farm Bank in an effort to preserve my good credit. Kindly note that XXXX XXXX is my son-in-law and he left XXXX in XXXX XXXX and now lives in XXXX. I am upset because I can not afford the {$740.00} per month car loan payments. I never co-signed for a loan for the XXXX XXXX nor did I authorize anyone to sign my name to a loan. I requested that State Farm Bank send me a copy of the Vehicle Loan Application and the Promissory Note and Security Agreement so that I can see if someone forged my signature. The signature on the Vehicle Loan Application and the Promissory Note and Security Agreement are in fact not mine and I am the victim of identity theft and forgery. I also went through papers given to me by my daughter that were left in her care by my son-in-law XXXX XXXX before he left for XXXX. I discovered a copy of a Power of Attorney that I did sign. I did not sign this document in the presence of a Notary Public although a Notary Public named XXXX XXXX XXXX claims he witnessed my signature on XXXX/XXXX/XXXX. I do recall when my son-in-law asked me to sign the document ... I was at home with my wife and son ; it was evening ; no Notary Public was present. My son-in-law indicated that the document was needed to check my credit and that the document I was signing was not a car loan. XXXX XXXX informed me that if my credit was good enough, I would need to be present at the dealership for a loan to be applied for. I also found a Bill of Sale and Odometer Disclosure Statement that only lists XXXX XXXX as the Buyer and there is no name listed as a " co-buyer. '' I have attached the Power of Attorney ( dated XXXX/XXXX/XXXX ), Vehicle Loan Application ( undated ) and the Promissory Note and Security Agreement ( dated XXXX/XXXX/XXXX ), Bill of Sale ( dated XXXX/XXXX/XXXX ) and Odometer Disclosure Statement ( dated XXXX/XXXX/XXXX ). I need assistance because my only option is to stop paying and wait for State Farm Bank to sue me in order for me to prove to a Court that I am not legally responsible for this debt. To exercise my right to have my day in Court would be costly and destroy my good credit.
I recently had an collection account added to my credit report and I do not have no knowledge of this collection account
Navient sold me high interest student loans that totaled over XXXX}. My private student loan repayment, not including federal loan payment, is increasing from XXXX to approximately XXXX} in XXXX ( Navient refuses to tell me the exact amount ). I became unemployed in XXXX. Navient 's website said there are options to lower your private student loan payment if you can not afford it, but you have to call to find out what they are. I called and was told that there are no options and that I need to ask my co-signor for money.
I am trying to obtain a home loan modification with Wells Fargo Home Mortgage. I have been assigned XXXX different modification specialist since XX/XX/XXXX. After almost one year of filling out forms and answering questions, I am no closer to the end. I have been told that as long as I am in the modification process, that I would not be foreclosed on. I then received a letter dated XX/XX/XXXX, stating that the loan has been referred to an attorney for foreclosure. For some of the questions asked, the answers are impossible to get. It should not take close to a year for a decision to be made. I believe that this is being drawn out on purpose so that I will fall farther behind in my payments, giving Wells Fargo Bank an excuse to foreclose. I am not asking for Wells Fargo to lose any money on this loan. They can add whatever is needed on the end of the loan to make up for lost revenue from the lower interest rate. I can accept a longer term fixed loan if needed. I just need a smaller payment so that I can coordinate with other debts and have enough money to maintain my home in good repair. After talking with the bankers at my local Wells Fargo Office, they agree that there is no reason for this to take so long.
In XX/XX/XXXX, I communicated in writing to PHEAA via certified letter with return receipt seeking an investigation on the entries they were reporting on my credit report. To date, over 60 days later, I have received no correspondence from them. PHEAA has not attempted to respond to my request, yet when I disputed the inaccuracy of these entries with the credit bureaus, the bureaus responded that the entries were verified. This response prompted my communication to PHEAA. PHEAA has reflected late payments from XX/XX/XXXX thru XX/XX/XXXX. I do feel and believe that these entries are erroneous. I keep all of my records regarding student loans and I take full responsibility for my obligations ; however, having not ever received any information nor communication from them regarding the alleged delinquencies has me baffled. Additionally, the reporting among the bureaus for these accounts vary. How does the same alleged accounts on the 3 bureaus vary in the payment history? PHEAA does not even reflect payment history on the XXXX report? How so are the entries validated? 

If PHEAA is truly reporting accurate information, they should have been able to respond to my request and justify these entries with the corresponding documentation that substantiates the reportings. To that end, these entries should be deleted from my report immediately.
We called on XX/XX/XXXX to ask for a 30 day loan payoff statement. They said that they would send it to us via e-mail within 24 hours. We did not receive anything within 24 hours. We called again on XX/XX/XXXX to ask for the same thing. They stated that it had never been submitted. We were told we would receive it within 24 hours via e-mail. We have not received anything yet except for a survey asking how the call went. There is no way to get this information on the website with our account. We also discussed the fact that our autopayment had not gone through on the call made on XX/XX/XXXX. They said that there was no reason that it would not have gone through, but it did not. So we  asked them to make a manual payment for us and that we would not be paying a late fee because the error was on their end. They asked if any account information had changed, it had not, but we gave them all the information again and the payment magically went through, we were told. Upon review of the account today, it appears that only about 75 % of the payment was made and there is an outstanding balance on the account. I can not for the life of me understand why they would not process the full payment not only when it was supposed to be automatically paid, but then not even when we called to make a payment manually due to their incompetence.