WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XXXX XXXX, 2017, my account to both BUY and SELL cryptocurrency was blocked ( restricted ) on Coinbase. I have no ability to sell any of my virtual currency - of which I own over {$120000.00}. I can not buy more. They are holding my money XXXX, not allowing me to access the cryptocurrency  and sell when the market drops. I have sent emails every day, sometimes twice a day. At first they ignored me. Then I started sending XXXX messages to their support team and executives. They sent me a note from a customer support rep scolding me for being impatient and saying they were working on it. On XX/XX/XXXX I got a message saying my account had been unblocked. TOTAL LIE - I am still completely blocked. This is obviously illegal and a scam. I have over {$120000.00} sitting with this company that I can not access. They ignore all requests for help, have no phone support and when I did finally reach down their corporate office phone, all you get is a voicemail or an automatic hang-up. A company that goes to great lengths to make sure no one can contact them is a scam. These people hold millions of dollars in consumer funds and have thousands and thousands of angry customer complaints all over the internet. They need to be CLOSED DOWN.
Breach of contract. I supplied everything need for a loan mod. In prior complaint with CFPB complain # XXXX. According to the Deed of Trust along with Note, the grounds for acceleration were not met. Provided for you to read are the Deed of Trust and Note.
Called me on my cell phone at work. Told me that his client had identified a debt under my name and social and he was calling to collect. He asked me to give him my social security number to confirm. I refused to give him my social. He gave me XXXX digits and asked if it was the last XXXX digits of my social. 

I told him that it was not my debt and that he should not be calling me during working hours. He hung up on me.
About 6 or 7 months ago i purchased my first copy of my credit report and noticed that some one unknown to me had used my personal information to get few credit cards from XXXX XXXX under my name. I immediately contacted the credit bureaus and notified them about these accounts was opened up under my name fraudulently and right after i had filled a police report with the local police department. After i sent my dispute letters to all three major credit report agencies, XXXX had removed these fraudulent account from my credit report and i been going back and forth with XXXX and Equifax. which i decided to report this to you for help, please help me.
Equifax mishandled my information, allowing for a massive data leak. This puts myself and millions of others at risk. As per their website, XXXX, I 'm listed as a potential victim and would like to see a resolution. 

Their abhorrent behaviors of selling off stocks before disclosing the leak are indications to many that they lack remorse for their actions.
Received IRS Tax Lien withdrawal letter and approval. Forwarded to all XXXX major credit reporting agencies. XXXX and XXXX removed without incident. XXXX has not removed after several attempts. They said they would remove, however only released the tax lien. Please see find attached the official/legal IRS Tax Lien withdrawal signed document
XXXX reported a late payment in 2009. I did not make any late payments whatsoever in this or any other account. I complained about this previously and I am sure it was removed at one point. Regardless XXXX has NEVER given proof that this was ever late on the account In this dispute with Equifax they also mentioned no information from the creditor yet negative info ( code XXXX ) remains on the account. 

This is ridiculous. No proof from XXXX ever about this and it needs to be taken off. Separate complaint against XXXX forthcoming.
been with American express many years went to XXXX XX/XX/XXXX ny we all got sick food posinoing. noticed am ex they said it would be disputed typically they are the best at disputes protecting the customer. I just called today its Still on my bill I am put on hold for an hour while he researchs it with no respect for my time. my time matters. why is it still on there? HELP get it off. I did call restaurant. get the XXXX dollars off my bill
In XXXX, 2015, Bank of America performed an update to their systems ( as per the representative at Bank of America ). The representative explained that as a result of the update, this caused XXXX and stored sources of customer payments ( such as checking accounts ) to be erased. 
I was not aware of this issue until I received a notice from Bank of America that XXXX of my credit card accounts payments was past due. It ended up being the account I had set up on auto-pay years earlier, and the payments were always made on time ( the amount of payments above the minimum payment amount ). 
When I called Bank of America customer service number at XXXX about the late fees they assessed, they directed me to call their auto pay department at XXXX. 
I contacted the auto-pay number and spoke to XXXX. He advised me he would be able to reverse the {$25.00} fee.
My bank statements clearly show that I paid my mortgage on-time each month, however ; America 's Servicing Company is reporting late payments despite several disputes in which I provided documentation to prove that my payments were on-time. I opened my bank account in XXXX XXXX and have attached the bank statement showing auto-deduction of my monthly mortgage payment in the amount of {$500.00} ( which included a small over-payment since my monthly payment was actually only {$480.00} ) from XXXX XXXX to XXXX XXXX, when the mortgage account was sold to another lender. I did not miss a single payment ( I even paid an extra {$500.00} payment in XXXX XXXX so it is n't possible that I became 30 days late in XXXX XXXX as shown in the attached credit report.
I am having issues with my loan servicer " Navient '' according to the federal student loan site I should be able to do the following. 
" Can I pay more than my required monthly payment? 
You can make payments before they are due or pay more than the amount due each month. Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. If you want to ensure that your loan is paid off faster, tell your loan servicer that the extra you pay is not intended to be put toward future payments. 
However, Navient will not allow me to apply additional moneys paid each month to principle. For example my XXXX statement has a monthly payment of XXXX due XXXX/XXXX/16 which XXXX should be interest the balance XXXX principle. I made a payment on XXXX/XXXX/16 20 days early. My account was credited as follows XXXX interest XXXX principle i have contacted and tried to work with this servicer to be able to pay additional principle. In addition to this issue they recently lowered my payment from XXXX to XXXX this only severs to make the loan longer there by earning more interest.
Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX, XXXX, and Experian credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX, XXXX and Experian and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. Thank you. Concerned Customer
I have XXXX XXXX coverage on my credit card account ending in XXXX. I tried to process a claim on XXXX. I was told by XXXX XXXX that my coverage was cancelled on XXXX. I received no notice of this. I was topld by XXXX XXXX to contact the card issuer, which I did. The card issuer told they had no information about this and to call XXXX XXXX. I call XXXX XXXX back and they tell me they have no information about this and to call the card issuer. Which i did again. The card issuer told me again that they have no information about this and to call XXXX XXXX. I call XXXX back again today, and they tell me the have no information about this..
XXXX XXXX XXXX is not allowing me to make a payment to them on a debt listed on my credit report. That is illegal. They must be listed as original creditor. This is very common, maybe most-common with utilities. Any creditor listing a derogatory line item must offer me a means of repayment, to the name, as-shown on my credit. ( and rightfully so, who expects ANYONE to make payments to a random third party ). This line item must be deleted and re-reported with correct collection information This is the final time before I seek legal counsel. Please find attached voice audio, of the listed creditor, DENYING my payment attempt! THAT IS ABSOLUTELY NOT LEGAL.
I applied for & was told {$500.00} is required to start the apllication process for a mortage through Chase Bank. I paid the {$500.00} & called back to start the process after gathering my documents for submission, due to questions before mailing my documents & was told, I have to find a property before being approved. How do I know what price range to shop in? That is NOT what was conveyed when my {$500.00} taken. This mortgage is contingent upon me selling my home, which is currently on the market. When I purchased my first home, I did not have to pay an application fee. My mother has had XXXX XXXX & is now living with me which is reason prompting a search for a larger home. Her accounts are also through CHASE & at this time, we are discussing gradually closing our accounts. I specifically recapped that once I paid the {$500.00} that we can move forward, and was told yes. I am VERY dessatisfied with this process & would like answers. I will also file complaints with the other relative agencies as well. I was discouraged from sending my documents in & in fact, was stopped from compleing my sentence.Thank you for taking the time.
In regards to XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.
First Point Collection Resources has repeatedly contacted me in regards to a medical bill unknown to me in the amount of {$2800.00}. The company has threaten to report consumer information to my credit file. My credit file has been effected with a collection account.
After making on time monthly payments, DiTech has decided to report me late to the credit bureaus. In addition, they continue to state I owe monies that i do not owe. They claim it is due to escrow shortage however, my escrow statement from XX/XX/2016 shows an overage. DiTech states that the payment changed due to escrow changing. Per my contract, it states that the escrow amount XXXX change after the first year, not before I made my first payment. 
In addition, I 've been leaving messages for my DiTech representatives to discuss the matter per their previous complaint response and HAVE NEVER RECEIVED A PHONE CALL BACK EVEN AFTER REQUESTING ONE. Here is a list of dates : XXXX at extension XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX extension XXXX : XX/XX/2016, XX/XX/2016 she stated she submitted a verbal dispute, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX ( manager ) x XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX x XXXX - I spoke to her on XX/XX/2016 and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up.
OnXX/XX/XXXX, I retrieved a copy of my credit report. To my dismay, I noted several inaccuracies that were reinserted on my report after I received documentation ( see attached ) from Equifax that they had indeed DELETED these entries. XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

I AM DEMANDING THAT ALL OF THE AFOREMENTIONED ACCOUNTS BE DELETED FROM MY REPORT YET AGAIN!!!
This is in regard to my previous complaint,  XXXX . Following an entirely unsatisfactory response from the company, your agency has closed the complaint. When I tried your link to give feedback directly, the link was broken.     I repeat that it is unethical for this or any company to ask for a credit card number as a security measure. Furthermore my complaint that their own phone complaint system was flawed and contained further scams was not addressed.     In addition the CFPB must fix the link to enable feedback about any proposed resolution.
I ave spent {$5000.00} to buy bitcoins from coinbase on XX/XX/XXXX. At the time the transaction happened, they did not ask me for any kinds of verification. Now that I want to sell those, they ask me for ssn verification and it always failed for me even though I have all information correct. I tried to reach out to their support team, all they replied is to ask me try it out more which is ridiculous.
I do not owe any of these depts. In several months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, WEST ASSET MANAGEMENT keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. The called me threatened mem and abused me for the dept that I did n't owe. I did ask them to spell the name and date of birth and they all were clearly not mine. I told them the dept is not mine, but they still put it in my credit reports every month anyway. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe.
On  XX/XX/XXXX , I knew I needed to pay   XXXX    US Bank credit   cards because they are both DUE on the  XX/XX/XXXX   each month. I logged onto US Bank via the US Bank phone app and paid both my US Bank credit c ards  (  XXXX  fo  r {$190.00} and  XXXX  for {$240.00} ) on the dates they wer  e DUE at   XXXX   XXXX   MDT. I received both on-screen and emails ( via US Bank 's internal messaging system ) confirmation that my payments were received. Nowhere on US Bank 's mobile or desktop site is verbiage stating that if these payments are not made by   XXXX   XXXX    that I will be charged late fees for US Bank taking a day to process. It simply states that any payments after  XXXX  local time will be processed the next day, but in no way does this state that I will be charged a late fee. The payme nt cutoff time text is on   the second screen and in small print on desktop and on the third payment screen and in small print on mobile. Neither payment avenue ( desktop or mobile ) states that a late fee will be applied for paying after   XXXX   XXXX   on the payment DUE date.
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This is especially troubling to me as I paid  XXXX  of these accounts directly from my US Bank checking account and it immediately deducted that payment money from my checking account at   XXXX   XXXX   that night and not the next day. If the payment wasnt processed until the  XXXX , then shouldnt the money have stayed in my checking account until the payment was processed. Because of this and because the app showed a payment pending, the illusion that the payments were made on the DUE date clearly existed.
<P/>   When I called US Ba nk customer service on XX/XX/XXXX    to discuss this I first spoke to  XXXX  who transferred me to the credit card customer service where I spoke to  XXXX . I told  XXXX  about the ambiguity regarding making payments  on US Bank 's site. I  explained that on the  XXXX  I made my payments on the date they were DUE and I ev en had   XXXX   em ails in  my US Ba nk email inbox stating that the payments were made on the  XXXX  of  XX/XX/XXXX   XXXX  told me that it was my fault because I did n't remember reading this in the fine print regarding payment times and late fees in the credit card agreement I received when signing up a decade ago. Moreover, I have  searched US Banks we bsite and can not find this late fee after the cutoff time information. Also, the fine print on the websites during payment states that the cutoff is  XXXX  " local '' time, but  XXXX  insists it is  XXXX  CDT. How am I supposed to be clear o n cutoff times and  DUE dates when  US Bank  does n't even have consistency in it 's own business regarding payment cutoff times? This further adds to my confusion.  <P/> If the cut-off time is not going to accept payme nt agreements on the payment date as valid, then US Ba nk needs to state that a late fee will be applied to those accounts when the payment is made after their ridiculous cutoff time.
Date of alleged collection payment : XXXX To whom it XXXX concern : I am filling a complaint against Gold Key Credit , Inc. Florida because I just cant seem to get any information or validation of a collection for XXXX they say I have from XXXX. Not only have they not answered my certified registered mail to them, they have still failed to provide me with the verification of the collection payment of XXXX from XXXX, they say I had. I received a computer-generated invoice telling how much is due. The date in question I was in XXXX, Florida working, not sure how I can be in XXXX places at XXXX time. 

On XXXX XXXX, XXXX I sent registered certified letters to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, FL XXXX. I have attached letter and copy of certified receipt. I called many time only to be disconnected after waiting for long periods of time. When I have gotten through which was only once, they were rude and told me just to pay it. Not giving me any information to why. 

I also sent information to all three credit bureaus. I have attached letters and copies of certified receipts for XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX. XXXX XXXX only because XXXX and XXXX have deleted ). 

XXXX XXXX and XXXX looked at all the information I sent to them and deleted it from my credit report, however XXXX has not been so for coming. After suppling information about the company not being licensed for Florida via the Florida XXXX XXXX XXXX XXXX XXXX copy enclosed ), still nothing has been resolved and I have received no information to state otherwise. XXXX Credit Bureaus only indicate that they have spoken with and validated information to be true. Yet I still have not received any evidence to prove that fact. 

Not only have I been turned down for multiply credit opportunities because of the erroneous information. I am still not able to get them to even respond to me with information on the collection they say is actual. I am hoping you will be able to help me get the information I need. As well as getting this erroneous information deleted from my credit report. Like I said above I have attached copies of letters with certified registered receipts for both Gold Key and the XXXX XXXX. I am hoping to get to the bottom of this soon it has been going on for over a year now and I cant seem to get help from anyone. 

Thank you ahead of time for all your help.
i never received a call, email or letter in the mail stating that i owed anything. I 'm an amateur in understanding credit and just recently looked at my credit report for the first time and do n't understant anything. But i saw a debt of collection on my credit report. so my question is, how do you pay off a debt and how would i know if its the only debt i need to pay?
For the past three years I have been going back and fourth with this collection company name Commonwealth Financial Inc. over a XXXX medical bills that they even said was n't mine but yet this is the third time after taking the bills off they put it back on and as of today once again they said that it 's not mine but it 's on my credit report again but the scary thing is they do n't have my social security number so when I asked how is it on my report I get no response.
I have about 45,000. in plus loans with Nelnet . I recently completed chapter XXXX bankruptcy so I have not been able to access my Nelnet documentation while I was in bankruptcy. My bankruptcy trustee made my loan payments and I could not view the Nelnet account online, I have been very careful to make all the payments on time because I was told I should qualify for Public Service loan forgiveness. I spoke with Nelnet and Federal Student Aid prior to starting Chapter XXXX bankruptcy due to a divorce and both parties, Nelnet and Studentloans.gov verified this. My employer has been approved I have that documentation. .Today I called Nelnet because I still can not access my account upon completion of 5 years of bankruptcy and I was told that I don't qualify because I am in the wrong repayment plan and my loans are not all consolidated. I thought my loans had been consolidated when my son finished college in XXXX. My loan balance is currently more than it was when I started the bankruptcy because my payments have only been going to interest. Had I known this I would have taken care of it before the bankruptcy payments began. The student loan payments were made out of my Chapter XXXX payment. I have spoken with several different people at this agency and at Nelnet over the past 10 years as I was planning for my loans to be cancelled. Today I was told that my 10 years would start over when I moved to the income based repayment plan and my loans are consolidated. I don't know how to proceed. At this point I have been out of bankruptcy since late XXXX and I still can not access my account which is why I called. The representative stated that the account was not cleared yet to be released to me so that I can view it. It should be another week or so. I was worried that if I miss payments my forgiveness would be voided. I have had to contact them yearly to get documentation of the interest I have paid for tax purposes. Turns out it doesn't matter anyway. I'm XXXX years old, I plan to retire one day. I have currently had and paid student loan payments most of my adult life. First for me then for my kids. Is there no justice in paying ones bills? I'm not trying to make this a sob story, I'm just so frustrated by the conflicting information that I've received. I honestly thought I had hit the 10 year point in XXXX, at that point I was told I would have to finish my bankruptsy.
this company was a trying to repo the car even though I sent them payments and they they never told me they was reposing the car. They kept all my items in the car and refused to give them to me. They sold the car, they refuse to update the information correctly or remove this off my credit report. They never sent me anything to fill out and they never tried to give me the opportunity to redeem the car back.