WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I used Coinbase to buy and sell Bitcoin. I have over 200 ( I 'm a XXXX citizen, but Coinbase are a US based company ) in my account which I now wish to withdraw.

On XX/XX/XXXX, I followed Coinbase 's instructions on how to verify my bank account. This required the sending of a SEPA transfer in Euros from my account to Coinbase using a specific reference code. A total of 6 was sent, in accordance with their instructions for minimum values. Coinbase claims that it will take 1-2 days to verify a bank account. I followed their instructions to the letter, and when my SEPA transfer showed up in my Coinbase account the stipulated reference was clearly visible.

I grew concerned after 4-5 days that I had not heard anything, but gave Coinbase the benefit of the doubt given that it was XXXX. However, after 10 days I decided to get in touch to check the progress of my account being verified. Coinbase 's website makes it very difficult to get in touch with them. The only mechanism for 'contact ' is a bot helpdesk which was unable to give any advice on the matter at hand. When I did eventually find an email address onXX/XX/XXXX, the email bounced because it is no longer in use. A response from Coinbase gave a separate email to contact.

I emailed this new address on XX/XX/XXXX to request an update as to when my bank account would be verified. My request was very clear - it stated that I had followed their instructions, successfully deposited a SEPA transfer, and that I just needed my account to be verified. I got a response that same day from an employee called XXXX, but it simply listed the instructions on how to verify an account - they did not make any attempt to address the specific issues outlined in my correspondence. I responded to XXXX within 15 minutes to clarify my request and ask that they simply confirm when my account would be verified. I then received a response the following day ( XX/XX/XXXX ) stating that my case had been escalated to a specialist. That is the last I heard from Coinbase.

I emailed them chasing a response on XXXX XXXX, XXXX, XXXX, XXXX, anXX/XX/XXXX, and have sent multiple XXXX/private DMs to their @ Coinbase and @ CoinbaseSupport accounts. They are simply refusing to respond.

At this point I am very distressed by this matter as I now believe Coinbase to be a scam company who are stealing money from innocent investors. Screenshots of my Coinbase account showing verified receipts of SEPA transfers with dates are attached as evidence of my having followed their guidance correctly, and to versify my account of the dates in this complaint.
I received an offer from Marriott for a Marriott Rewards Visa card from Chase ( see Postcard attached ). I applied, as directed, on website MarriottRewards.com/XXXXPoints. I printed the offer details from the website ( see XXXX XXXX Visa Offer description attached ). I was approved and received a Welcome to My Card email from Marriott ( attached ). As you will see from the attached documents, the offer included XXXX Marriott points after {$3000.00} in purchases during the first 3 months, as well as XXXX points for adding another authorized user. I fulfilled the {$3000.00} requirement, and expected to see XXXX bonus points added to my account. Instead, only XXXX points were awarded ( see attached My Marriott Account document ). I telephoned Marriott on XXXX XXXX and XXXX, 2016 and was told that Chase generates all reward points - Marriott itself does not generate these points - however, the correct number of points is definitely XXXX ; a XXXX point offer from Marriott does not exist. I telephoned Chase on the same dates, and was informed that, yes, I did meet the {$3000.00} purchase requirement, but that I was " put into '' a XXXX bonus point offer, with XXXX points for adding another authorized user. When I explained that this was NOT the offer for which I applied, I was told that that was the offer they decided to give me. Chase apparently took it upon themselves to give me a credit card offer FOR WHICH I DID NOT APPLY. When I questioned this " bait and switch '' tactic, I was told to contact Marriott. I called Marriott a second time on XXXX XXXX, and it was confirmed that the offer was, indeed, for XXXX bonus points ; that no XXXX point offer exists ; that adding an authorized user awarded XXXX points, not XXXX ; that Chase would need to rectify the situation by awarding me the additional XXXX points due to me ; and that the details of this issue were being notated by Marriott, should they need to be verified at a later date. I am reporting this issue to you, since it does appear to be a bait and switch tactic. I applied for the Visa card that was presented to me in Marriott literature, and this was not honored by Chase.
I have had a XXXX checking account and savings with Wells Fargo for at least XXXX years. Recently I realized my account had been charged {$8.00} per month for the last XXXX months. I immediately called to find out why and was told that my debit card expired and fees were based on not having a debit card. I was not aware it expired nor was I notofied of the change in type of account I have as a result. Usually a new debit is sent when the old XXXX expires. I was told a new card would be ordered and only XXXX of the XXXX {$8.00} fees could be removed. This month a {$10.00} charge appeared. They have no record of a new debit card being ordered and say that even so I would have to use it XXXX times a month for it to count toward the free checking. They also said my account had been switched to a {$1500.00} minimum, which I DID NOT authorize! I had called the XXXX number to find out if the other XXXX charges could be reimbursed. They said no, but we did not discuss changing the parameters of the account. I feel violated that my account was changed twice without my knowledge and fees are continuing to accrue. I am closing the account as soon as possible, but wonder how many others are paying fees without knowing it.
I have a reported a fraudulant account on my credit report several times to Equifax. I was told I needed a police report in order to prove identity theft and request any removals, which I have done.   I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Equifax stated it was verified, but with no proof of verification and stated they are not required to provide proof.   I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt h ave one on f ile, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with this item being reported and it is a fraudulant account, I am expecting it will be removed immediatley.      Fraudulant Item  being reported incorrectly by Equifax :  XXXX  Acct #  XXXX
This debt buyer as it says on my credit report has not sent me any validation upon request. I do not have any contract with this company. They completely violated my consumer right by not only not sending any notification but refusing to validate after only finding out them from XXXX and XXXX. They again have 7 days to send me full validation including contract with my signature agreeing to do business with this company. If they fail I will turn over complaint to my state attorney general for further investigation or they must delete themselves emediatly from my credit reports within 48 hours. You claimed to have purchased this debt so if anything is owed its the few pennies you spent to buy it. Do not respond oh we need more information, blah blah blah. You obviously have enough to report it, you have enough to validate not just verify. Computer printouts are not except able validation according to the consumer rights agency. Feel free to send me proof that you sent something.
Transunion are REFUSING to re-report a credit card that was removed in error from my credit report. My bank ( XXXX ) has made repeated attempts to have this credit card re-reported by Transunion, however, they are refusing to re-add the account. XXXX has called Transunion to discuss this problem but Transunion are still refusing to add the account in question. The removal of this account from my Transunion credit report has resulted in my credit score dropping from XXXX down to XXXX. This low score has resulted in my application for loans and credit cards to be denied. If this issue is not rectified I will be seeking legal advise and pursuing damages against Transunion.
Case number : XXXX am filing a complaint against Capital one. We have followed everything we were told to do. We reapplied for a modification and sent in the updated information as per their request. XXXX from Capital one was the representative who was handling the complaint. He is no longer with the company when we called to get the status and we were told to reapply. Now we are {$12000.00} in the rears, this is a disgrace and predatory lending and fraud. Capital one is deceptive, racist and misleading. They have put people in a foreclosed state. They play games with their modification and cause people to go into foreclosure. We are going to the press and to the US JUSTICE DEPARTMENT ABOUT THE POOR MISLEADING, DECEPTIVE BUSINESS PRACTICES OF CAPITAL ONE. WE ARE FILING SEVERAL FEDERAL AND STATE COMPLAINTS AGAINST CAPITAL ONE AND HOPE YOUR COMPANY WILL DO SOMETHING TO HELP US AS CONSUMERS. The last time, they claimed was because of a notary and now they have NO REASON because they no longer have that employee so they chose to let us fall between the cracks. We were told by a XXXX on XXXX/XXXX/15 at approximately XXXX XXXX to fax in XXXX of my XX/XX/XXXX stubbs to get the modification reopened. I am faxed the check stubs tonight per her request and plan to call a man she referred to as XXXX. When I called back that same night, I spoke to a representative who told me to talk to a XXXX who is our caseworker who is working on our case. These stories and characters change with each phone call to capital one. We made sure this was well documented to use in case we sue capital one. I sincerely hope you will make them review and approve this modification and stop playing games. Its a disgrace. President obama put guidelines in place to protect consumers against these predatory practices and deceptive business practices with these fraudulent banks. I am a former elected official and I am not going to tolerate these unethical, fraudulent and deceptive business practices of with Capital One. Enough is enough.
I work in a XXXX, Windham professionals has contacted me several times at work, as our organization uses a shared phone line, I have at times been able to set up a payment plan to resolve my student loan debts, but there is no clear way to communicate with them if their payment is drawn too early, or if I miss one, to resolve it. I know first hand the damage a debt collector can do to someone 's employment. I have an enormous student loan burden I am working to pay off with a very modest income. 

Windham professionals is endangering my livelihood with their aggressive, irresponsible and unprofessional tactics. it is very obvious when they call that they are a debt collector, as they announce such and that it is an attempt to collect a debt. They identify who they are looking for AFTER this announcement rather than simply asking to speak to me. I have asked them repeatedly not to call me at work or during work hours as it interrupts appointments and activities, requires personal information to be shared, and essentially tells my supervisor, coworkers AND clients that i am working on repaying student loans. Today a coworker forwarded a call at about XXXX while I was with a client, the debt collector repeatedly ignored my concerns and made every attempt to get me to confirm that I was unwilling to pay my loan, which is not the case, they do not call me during hours I can answer, and their return line goes to a general voice line. I would LOVE to actually arrange a resolution with them but I do n't want to go over my student loan debt and payment processes in front of a group of XXXX. The individual who contacted me today, and essentially bullied his way into a very public discussion told me that if it was important to me, I could call HIS line. I was given the number XXXX to call back which does not actually tell me who I should speak to at all. They call me during work, on my work line, which I have asked them repeatedly not to use, they do n't give me a reasonable way to return their calls and they do it during a time I ca n't even answer.
For more than fifteen years, I have had a municipal bond account with Citizens Bank in XXXX, Rhode Island. Several years ago all my bonds matured and I had approximately {$40000.00} sitting in an account. I met with a Citizens representative at the XXXX branch office and discussed new municipal bond purchases. I questioned the representative about fees that he would receive, He explained his commission. I bought {$40000.00} of new municipal bonds. 
Several years passed. 
XX/XX/XXXX, 2017 I received a letter from Citizens informing me there was a {$75.00} annual fee for managing my account. If I did n't pay, they informed me, they would withdraw the money from my account. 
I called the information number. They told me the fee had previously been charged only to accounts under {$10000.00}, but it had been changed to under {$50000.00}. The person told me I could complain to a second phone number. 
I called the second number and left a message/ They returned my call and left me a message with the same information. 
The {$75.00} fee amounts to theft. They sold me a product for a price, and I bought it. Then they changed the price, siphoning off {$75.00} a year for the life of the bonds, reducing the value of the product I bought.
They will not remove a account from  American Honda, a s it was in a chapter  XXXX , atv sold, and they are paid in full and I no longer should reflect this account as owed.
Sent  Transunion inquiry removal letter thru certified mail. After nothing was done I called and disputed them. Still nothing was resolved.
I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXXXXXX XXXX a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.
had a sear m/c with an int rate of 26 %, ,contact citibank for rate reduction that was granted at 4.9 %. agreement was to make payments on time and rate will be inplace until credit card is paid off..in XXXX 2016 did not rec 'd statement and contacted sear for replacement statement. recd a new statement where the rate went back to the 26 % int. request citibank to reduce rate back to 4.9 % but they refused..claiming i broke my agreement. i told them i never rec 'd statement and i had no reason to break the agreement which was significantly lower rate that the original rate they still refused saying i broke the agreement..and they refused to honor my request. 

i had to use another bank credit line at a lower int rate of 12 % and a cost of {$700.00} to payoff sears acct # XXXX XXXX XXXX XXXX.
In the last 6 months I have had to dispute information on my credit report 3 times with Trans Union. As of today they are not reporting my payment history within in the last 30 days and they dropped my score XXXX points with no apparent reason and did not address it in my latest dispute. This is negligence on their part that has a negative impact on my credit report and ability to obtain credit. Seeking a recommendation for a financial remedy.
I opened a Verve credit card through continentalfinance back in XXXX, credit line was {$500.00} min payment {$35.00}. In XXXX when the year came up I closed the account as they charge {$96.00} for a yearly fee and {$60.00} for a yearly maintenance fee. For some reason when I closed the account I was being locked out of my account so I had to some times call in payments and in XXXX XXXX for some reason the person did n't process it correct, when I got a letter in the mail I called and was told they would waive the fee as she said it was showing for XXXX XXXX and I had to make a payment which I did. The one that was scheduled as she said for XXXX XXXX and XXXX for XXXX XXXX. I then called to make my payment on the due date of XXXX XXXX and I was told I had to pay {$72.00} as I was charged a late fee of {$37.00} and they were rude to me and refused to waive the {$37.00} fee saying they can only waive XXXX fee in 12 months which I was n't late, so I do n't see why I should eat that fee. I informed I was n't paying another penny on this account as I am disputing there charge. I spoke with serial people the only person I got info from was a XXXX XXXX who said she was gon na send my complaint to corporate and see if they could waive the fee and told me to call back in a hour. I did and she said they wont waive it. I was then informed I had til XXXX to pay the {$72.00} or I was getting another fee. The account is closed and they charge me {$10.00} a month in a monthly maintain fee which it was {$5.00} when it was opened and they get about {$13.00} in interest. I never made that a issue, but I do n't think it is fair they are gon na mess up my credit for something I did n't do. I asked them to send the {$470.00} I owe to collections as it makes more sense to go that route then to keep getting a {$37.00} late fee a month when I was n't late. They said it does n't work that way. I thank you for your help in this matter. I can be reached at XXXX. XXXX
As a part of an agreed contractual agreement, the account was paid and specifically negotiated with the company, that the negative item would be permanently deleted and permanently removed from all reports ( XXXX, Equifax, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports.
The hospital did not file the claim within the timely filing period. I contacted the billing department and they cleared the debt because it was being reported wrong and is not my responsibility. This debt is not mine and should not be in my credit report. I disputed the debt through the credit bureau and the company did not do the research. So they are continuing to report an invalid debt. Had they done the reasearch they would know that the debt is paid in full and never was my responsibility. This account has been sold over and over again and is now with Ability. They need to follow suit and delete this account.
Citizens Bank credit card statement shows the balance as of the day before but not actually the amount due. It does show the credit limit and the amount of credit available but not the amount due on the due date. 
The consumer feels compelled to pay the current balance shown. The charges shown are not the ones falling into the billing period. 
A few months ago I spent significant time trying to find the amount actually due and finally did but this period it is impossible.
On XX/XX/XXXX, my wife received a request from fedloan servicing asking her to recertify for the income-based repayment plan ( IBR ). The recertification application was due by XX/XX/XXXX. We completed the IBR recertification application and uploaded it via fedloan servicing 's online portal onXX/XX/XXXX. We received confirmation that it was received on XX/XX/XXXX.
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I followed up with a call to fedloan servicing and spoke to a customer service representative. They assured me that the application was complete and that the newly calculated payment ( that would last for a period of 12 months : XX/XX/XXXX - XX/XX/XXXX ) would begin without interruption on XX/XX/XXXX. We later received a communication re : a " hold '' on the account. Again, we called to ensure that the application had been processed correctly and that the new payment would be recalculated and applied to the XX/XX/XXXXdue date. We were once again assured that the new payment would be calculated after theXX/XX/XXXX payment ( i.e., the 12th payment of the cycle ) was applied and that the XX/XX/XXXX payment would reflect this new amount.
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However, today, on XX/XX/XXXXwe reviewed our payment due on XX/XX/XXXX and noticed that the IBR recertification application had not been processed correctly/timely, as the XX/XX/XXXX payment was reflecting as unchanged ( it should have gone down as my wife 's income decreased substantially ). I called and spoke with XXXX and XXXX. XXXX indicated that she would submit an " expedited request '' to have the payment recalculated and applied for XXXX. She said that this would be completed by Friday, XX/XX/XXXX and reflected on the XXXX  statement. I asked that it be reflected on the XXXX statement and she indicated that my wife would have to make this request. I tried to explain that this is not a new request as this should have been done in the ordinary course of things had the paperwork been processed correctly back when we submitted it in XXXX.
AMEX sent me an offer for a 6.99 % reduced rate on my credit card purchases from XXXX/XXXX/16 to XXXX 2016. I signed up and accepted this but to date, AMEX has not applied this lower rate. I even received an email confirmation but still not receiving this rate. I called and spoke to a rep who did not have a good command of XXXX and she told me I am getting the rate but could not provide and evidence of me receiving this rate. I told her that she was wrong and she told me to write to AMEX. Attached is a copy of my fax correspondence and delivery confirmation Sent : XXXX @ XXXX EST and still not even a response. At this stage, I am due a refund by my calculations of over {$300.00} to date and this will only increase.
The school gave my son XXXX degrees after extending his classes for an extra year and extra charges for classes. It took him so long he was unable to use his computer degrees for a job because his classes were out dated. They were loans and he was only able to get a job at except at XXXX for minimum wage and part time. They have called our home phone and he does not live here, which I told them. They called my daughter who has a different last name and my son-in-laws cell phone. They call us daily several times using different numbers. No one gave them any information. I 'm tired of this harassment. Please help us. The numbers are : XXXX or XXXX