WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I purchased bitcoin for {$260.00} from Coinbase.com.  At the time of the purchase I was told that I could use the bitcoin anywhere, anytime, without doing anything except signing up and depositing funds to my online account, XXXX. I originally found out about Coinbase.com in XX/XX/XXXX thru their internet ad that claimed to be the world 's most popular way to buy and sell bitcoin. However, I found out they had nothing but customer complaints and a XXXX rating of " F ''. I attempted on XX/XX/XXXX to send the bitcoin and they locked my account and told me that I had to send them more id and additional time consuming and very difficult online verification, none of which Coinbase.com explained to me at the time I purchased the {$260.00} in bitcoin from them. I contacted Coinbase.com on XX/XX/XXXX, thru XX/XX/XXXX and discussed my difficulty and inability to use the bitcoin as promised with XXXX, XXXX, XXXX, XXXX and XXXX and asked for a refund in the amount of {$260.00} but I was told by XXXX in coinbase support that I had to wait until XX/XX/XXXX and also send them additional information and did not receive my requested refund or any part of it at all. On XX/XX/XXXX I still was blocked from sending funds and closing my account. 
I want the XXXX XXXX XXXX to investigate Coinbase.com and to file a lawsuit against Coinbase.com to prevent them from selling this bitcoin without clearly explaining in advance all the extra steps people need to take to use it and without making it very difficult and/or impossible to use. I also want the CFPB to sue coinbase.com to obtain penalties and refunds for me and many others whom I believe were misled that the bitcoin could be easily used for purchases. Thank you.
I received a credit card from XXXX. I was XXXX in the space of five years and could not pay what I owed them. Anyway the debt of {$9100.00} went to CACV of Colorado - a collection agency. In the meantime, XXXX XXXX XXXX bought out the original company. A judgment was issued in XXXX against me for this debt by CACV. My medical bills totaled around XXXX dollars so I had no choice but to file bankruptcy. It went through in XXXX of XXXX. My husband died in XXXX XXXX and as a result, I may have to refinance the house. To my utter shock, the judgment was listed against the house which was financed in my husband 's name alone. And the total is some {$320000.00}! I believed the debt to be discharged by the bankruptcy especially since both the original creditor XXXX XXXX XXXX XXXX XXXX and CACV were listed on it. I never heard anything else from XXXX XXXX XXXX but CACV insists that I owe this money - an exorbitant amount considering that the original was far less. I never received any notice whatsoever about any of this - only for the original amount in a letter in XXXX. I never heard from them again.
In XXXX XXXX XXXX sent me a XXXX XXXX of XXXX for a old credit card balance. So I reported it on my taxes. A few months ago, the old account that had XXXX balance started showing a balance on all 3 credit Reporting agencies. I disputed all 3 and sent a copy of the XXXX and a IRS statement that said it was cancellation of XXXX XXXX XXXX XXXX XXXX right away. Equifax and XXXX did not. So I disputed it again. They still claim the account is verified and shows a huge late balance. The Balance should be XXXX. Can not get any into from XXXX XXXX about this. But it is causing me to have high interest rates and severely damaging my credit. The letters themselves are very easy to figure out. The account should not be showing a current balance. I do not understand why 2 of the agencies can not figure this out. Its so simple of an error on there part.
Received a XXXX with the Letter F in identifiable event, Box 6 F- Means by agreement according to the XXXX form.

1 ) I have never had an agreement with either OCWEN or XXXX XXXX XXXX XXXX, Please provide me with the agreement. Please provide proof of Agreement. 

2 ) Box 7 it says Fair Market Value XXXX  ( XXXX  ) How did they come up with this? What is it based on? please provide proof 3 ) Box 2 XXXX amount Discharged. 
How was this number acquired or reached? 
What documentation can you provide to verify the accounting? Please provide proof 4 ) Box 1, Date of Identifiable event XX/XX/XXXX. 
How was this date entered based on what facts or documentation, please provide proof 5 ) Whose Creditor Federal Identification Number is XXXX, Please provide proof of funds that were Lent and for what purpose. What Agreement I had with them as a Creditor, Borrower, Show me proof of any Money, funds that I Received or borrowed on my behalf provide check Numbers, accounts, accounting of where, when, how money was transferred and for what purpose. 

6 ) Account Number - Whose account number or Numbers are these?

How are they associated with Me?

5 ) Box 5 Was left unchecked? it says if unchecked, the debtor was personally liable for repayment of Debt.

Definition of Fraud : Intentional deception, resulting in the injury to another.

If I was not liable, then How did I have an Agreement with the company or companies submitting this false document to the IRS and Me Via US Mail constituting Mail Fraud 18 U.S.C. Section 1341, the two elements have been provided 1 ) having devised or intending to devise a scheme to defraud ( or to perform specified fraudulent acts ), and 2 ) use of the Mail for the purpose of executing, or attempting to execute, the scheme ( or specified fraudulent acts ) Schmuck v. United States ,XXXX U.S. XXXX ,XXXX XXXX. XXXX ( XXXX ) ; see also XXXX v. United States ,XXXX U.S. XXXX ( XXXX ) ( " The elements of the offense of Mail Fraud under ... 1341 are ( 1 ) a scheme to defraud, and ( 2 ) the mailing of a letter, etc., for the purpose of executing the scheme. " ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail and Wire Fraud ,31 AM. Crim. L. Rev. 703,704 ( 1994 ) ( cases cited ) I was monetarly and emotionally injured by the mailing of this document and others associated  to it and by these companies. 
I am asking for The Attorney General to File a Quo Warranto Action on behalf of the Citizens and consumers of the United States being taken advantage of and being deceived by these companies causing financial damage and loss of trust in the Financial stability of this country.
I performed a short sale with Regions Bank in XXXX. The Account should have been closed as per the acceptance terms. Recently we found out that a derogatory payment was reported to the credit bureaus on XXXX, which has affected my credit score. 

No derogatory information should have been reported, because the account was closed in XXXX.
I have disputed late payments multiple times with Nelnet as well as credit bureaus to no avail. I attended University XXXX XXXX and obtained loans through Nelnet. I have never been late with any of my payments. In fact, my payments have always been deferred or I 've paid based on my income. A few years ago my loans were transferred to another company and during this time is when I 'm told I defaulted on my loans. I was never aware that my loans had even transferred or I had late payments until last year when I requested my credit reports. I immediately contacted Nelnet and made them aware of this issue. Nothing changed and I still have 16 late payments on my credit report that are preventing me from obtaining housing for my autistic son and myself. It is very difficult living with family members and having a special needs child. I have NEVER been late on my loans.
In early XX/XX/XXXX I began the process to refinance my home. The plan for the refi was to pay off some loans that were still active include a loan with XXXX XXXX XXXX or ( XXXX ). I missed two months of payments or around XXXX $ each. XXXX stated I could defer payments if I gave them XXXX $ in XX/XX/XXXX that amount was satisfied and the contract was sent for me to sign for the deferment. Almost a week later first or second week of XX/XX/XXXX I found put during a conference call wo th my loan officer XXXX XXXX at XXXX XXXX that XXXX did not show the deferment on my credit statement when I called them they stated that the contract needed to be wet signed. XXXX failed to ever contact me to advise me that the contract was approved or disapproved. Then a week or two later in XX/XX/XXXX my credit checker for the refi called XXXX with myself on a conference call to obtain a payoff amount I do n't have the exact amount available to me but it was XXXX and some change the check for that money was sent to XXXX one week before the XX/XX/XXXX. When I contacted XXXX today the XX/XX/XXXX the business informed me that there was a fee even though we obtained a payoff amount. The fee was XXXX $ the business failed to inform me that there was a fee and failed to provide that information when asked for the payoff amount. I believe XXXX 's intent was to extort me out of more money upon them receiving a large payoff amount for the loan. XXXX also said that it would take longer if I did not pay them the XXXX $ to investigate the issue.
Wells Fargo Home Mortgage has placed my home in active foreclosure status without informing me of such action via regular/certified mail or phone. On XX/XX/2018 I attempted to make monthly payment of {$970.00} at their XXXX, PA Branch office and was told my payment can not be accepted because my home is in active foreclosure status. This was a shock to me because I received no communication of this information from Wells Fargo. I am 3 months behind but told them on numerous occasions of my intention to bring account current. I believe I deserved to know my home is being foreclosed on. They are preventing me from reducing loan amount in order to foreclose on my property ; THEY SHOULD BE HELPING. 

Thanks for your time
for several months i have been trying to communicate with midland credit management, asking for verification and validation of an amount they say i owe of {$500.00}. not only did they fail to respond in the timeframe allowed by Fedreal Fair Credit Reporting Act. They have now sent the bill to my grandmothers house in XXXX, New York. I was born and raised in XXXX XXXXXXXX, Va, i live here and work here, NEVER lived in new York. It is a violation for them to send MY INFORMATION to my grandmothers house, i guess as an embarrasment tactic, but i have a slew of family that would have access to this mail- aunts, uncles, cousins and not to mention my grandmother!! 

midland Funding is not abiding by the rules, as far as reporting or there tactics, the methods they are using are illegal and very actionable
I PAID THE BALANCE OF THE CONN 'S ACCT IN FULL ON XX/XX/2016- # 1 ACCT # XXXX PAID IN FULL - {$160.00} AND XXXX SETTLEMENT ON PAID IN FULL - {$470.00} - CONN 'S APPLIANCE IS A CONN, THEY CALL AND CALL AND OFFER A SETTLEMENT ON PAYING THE BAL AND WHEN YOU PAY THE FULL BAL ON THE ACCOUNT, THEY SEND TO 3RD PARTY COLLECTION AND NEVER UPDATE CREDIT FILE WITH BUREAU, CONN ARTIST.
Citimortgage charged me with fees related to foreclosure while I was in a chapter XXXX bankruptcy. These fees were not approved by the bankruptcy court. Also the attempts at foreclosure occurred while I was under the protection of the SCRA, while XXXX with the XXXX in XX/XX/XXXX-XX/XX/XXXX. My chapter XXXX was discharged in XX/XX/XXXX, and all debts that were approved by the court were paid. Despite my discharge, Citimortgage has refused to remove the fees. I am preparing to refinance and the fees will have to be paid before I close.
We purchased a car XXXX. We noticed that our payments were not being reported to credit bureaus. Therefore, we have been subjected to a financial hardship. We have sent numerous docs that the agency has asked for and they keep losing it. They refuse to report payments but accept payments with no hassles.
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a  lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I have been reading more on this website provided by cfpb and I am concerned by the fact that I have never been given the XXXX Tax form. Although this is not a federal loan it is a Private loan that was paid directly to the recognized eligible educational institution " XXXX XXXX the School '' in XXXX, Rhode Island ( year of 2006 ) where I have accrued XXXX worth of interest. This was a school to receive higher education. I have spoke to a few representatives ( throughout the years ) at Navient who have all told me I am not eligible ... But according to my reading here on cfpb, I am.
Wells Fargo is not sending my information to the company XXXX XXXX for me to use in a timely manner.
Company has reported  XXXX  separate charge- offs, instead of the single falied charge off t hat occured. Compan  y has failed to delete tradelinre in its entirety upon sale to collection agency, in violation of double and multiple jeopardy provisions of applicble law, including the FCRA and other state and federal law. Reporting has obstructed payment of this and other accounts.
After receiving a pay cut from my last employer, my wife and I started having financial hardships trying to make payments on all of our current debts. Eventually, we had to place our home up for sale. We had both a XXXX and XXXX mortgage against the house. Once we listed it for sale we had to reduce the asking price trying to get the house sold. The final asking price was accepted and would turn the house in to a short sale situation. Our realtor and our settlement attorney have been working together with both mortgage holders to secure the short sale and get this process completed. Specialized Loan Services ( SLS ) has been very demanding and has turned the situation in to a nightmare for us. The new buyers are still hanging in there but every time my attorney tries to push forward we are constantly being asked to provide additional information, updated contracts and various other documents that have greatly delayed the short sale process. This continued poor service with delays and unreasonable demands are putting my wife and I in danger of being foreclosed rather than both mortgage holders working together with my attorney to process the short sale of the house. My attorney resides and works in Maryland and has worked with several banks, sellers and buyers to accomplish the short sale process. She knows what is legally needed and what are the acceptable documents required to facilitate a short sale. Haggling over listing agreement dates when there is a valid contract in place is not something legally required, but is being used as another delay tactic. I 'm not sure why this process is taking so much time and effort on so many people when there is a seller, buyer, accepted contract, a realtor and an attorney all working together to complete the sale of our house and a mortgage holder that had drawn this process out to an absurd amount of time.
I tried to open an account, but apparently the staff there are the " do n't care '' attitude kings. After nearly 4 weeks, I still ca n't get an account. Do n't expect them to return a call or offer any help. They are rude and XXXX.
I was left a message by a " courier company '' about documents that supposedly had been left at an office and I need to call about. or they were going to call for legal action. If I did n't contact them by end of the day, they would come to my work or home. When I called, I got a mediation company, who then said they were transferring me to some legal firm. The person mumbled a name and when I asked him again, he would n't repeat it. I was then sent to some kind of a legal specialist..that was the XXXX person I talked to. They said it was too late to do anything, they were filing papers to take me to court, that I was more valuable that way. They said it was a debt from a credit card not paid on, and it was too old to dispute it, so I had to pay today, and agree to give them money. I could n't even get a clear idea of what they wanted from me, then they said I needed to authorize an amount to give them and give them a credit card number or check number. Still unclear of what the debt was or proof that it was me, said they were recording me and I had to swear under oath to give them this money. Then another person came on the line, saying I had to agree to the money right now, then the whole conversation went nasty. Started calling me names, told me I was a piece of XXXX, said they were coming to my home, belittled me for the way I lived my life, started reading off information about my children and how pathetic I was to have debt and how I was no good. He started screaming at me when I would n't give him any money information, kept saying how they were going to take away anything I had and freeze all my accounts, then said if I did n't agree to pay him now, I would end up in court and said I was more valuable that way..he would n't stop calling me names. He kept coming up with different numbers to pay him, and kept taunting me to make an offer that it was recorded and that I was swearing to pay that amount. I was given no ID, no full name, I do n't even know this was for me. I finally got him to admit someone had bought this debt and he was trying to get money for it, and said I was garbage for not being responsible.
This morning I receive an email notification from XXXX ( 3rd party fraud/financial monitoring service ) that the APR increased on my Chase credit card ( from 5.49 % to 5.74 % ). I was very surprised by this because 1 ) I had never received any notification from Chase about this change, and 2 ) an APR increase reflects that Chase may perceive me as a higher risk, which concerns me because I pay my balance in full every month. 
I called Chase to ask about this change. The first person I spoke to looked up my account history and stated that there has never been any change to my account since its inception, and that it had always been 5.74 %. After hanging up, I went and checked my individual statements. In fact, the rate was increased between XXXX and XXXX 2016. I then checked my emails and texts ( since I 'm on paperless billing and receive text alerts from Chase ), and there were no messages on this either. 
I called Chase a second time, and this time the representative said that this change was made, and notices were sent to everyone ( although I never received any specific information confirming that the information had been sent to me ). 
Since I do n't carry a balance, I am not directly financially impacted. But I am deeply concerned that a bank would increase rates without notification ( if I were carrying balances, I would have had no opportunity to make alternative financial plans in advance of the change ). I am very troubled that XXXX calls within the space of an hour elicited such difference responses in terms of what actually happened with respect to the rates on my account. I am left wondering whether the operational processes are adequate, and if this can happen so easily, what else could happen. As a customer, I do not feel valued when the rates are increased despite my impeccable payment record. One agent mentioned that I do have the option to close the account if I do not agree to these terms. This feels a bit drastic in my particular situation, but I do feel strongly motivated to shift my spend to other providers, as something feels fundamentally wrong when a bank changes rates without notification or explanation.
Coast 2 Coast is still trying to collect and report a debt to my credit report that was a result of ID THEFT. I explained to coast 2 coast I never lived at the service address provided and that my identity had been stolen. 

The failed to properly validate the account with my name, social, or drivers license number. I sent over a dispute letter as requested and a copy of my police report but nothing has been done to rectify this issue.
A major medical crisis took place in XX/XX/XXXX for borrower, which caused original delinquency. Then co-borrower lost job due XXXX in XX/XX/XXXX.  Borrowers tried to bring the loan current despite a reduction of income and extensive medical debt. Borrowers continued on this course until delinquency hit foreclosure status. At that time borrowers were referred to make contact with a HUD Certified  Housing Counseling Agency. 

Borrowers began to work with XXXX of XXXX ( A division of The Partnership for Families Children and Adults ) in XX/XX/XXXX. Time line is as follows : 1. Borrower response package was submitted XX/XX/XXXX thru Hope Loan Portal 2. Deemed complete by Ocwen XX/XX/XXXX. 
3. Submitted to Underwriting XXXX XXXX 4. Approved for Trail Payment Plan for streamline modification XX/XX/XXXX 5. Trial Payment Plan began XX/XX/XXXX 6. Trial PP should have ended XX/XX/XXXX 7. Status request sent to Ocwen XX/XX/XXXX to check on finalization of mod 8. Status request again sent to Ocwen XX/XX/XXXX 9. Response from Hope Loan Portal Specialist XXXX XXXX of Ocwen Mortgage on XX/XX/XXXX. Response stated *technology issue with Ocwen as the reason the modification had not been finalized or made permanent. 
10. Escalated the case thru Hope Loan Portal, direct contact with Ocwen via escalation email and fax on XX/XX/XXXX 11. Final approval granted XX/XX/XXXX with final approval going to attorney XXXX XXXX 's office. 

Borrowers made 10 trial payments through the trial payment plan. While in the TPP the borrowers were forced into a Chapter XXXX bankruptcy for self employed business debt XX/XX/XXXX. **Please note that communication with Ocwen continued through the Hope Loan Portal and via telephone AFTER the consumer filed. 

Because the borrowers were in an active bankruptcy when the final loan modification documents were approved they were sent to the borrowers attorney XXXX XXXX, even though the borrowers had not included the mortgage in the business bankruptcy. This delay in documents and late post mark of documents cause the finalization to fail. 

Appeal being made based on timeline asking for final loan modification to be honored. Borrower was only given 14 days to return documents after final approval. Borrower was not given even 30 days. Borrower made 10 trial payment while waiting on Ocwen to finalize the modification - Ocwen had 310 days in which they did not process the streamline modification, yet only gave the borrower 14 days to respond. 

We asking for assistance with escalating to the correct team or unit to OVER TURN or OVER RULE the denial of the final modification based on the timeline.
I began acting unlike myself, and doing things unlike normal for me, from spring until late XXXX of 2017. I was taken to a hospital for treatment for several weeks, then sent a lock- down treatment center. I stayed there from XXXX till XX/XX/2017. 
My son came to Texas from Col. and had my mail forwarded to his address so he could pay my bills as my power of attorney.Most of my bills were late before he got them. 
I called all my credit card people to explain the problem after I returned home, and most of them did away with all the fees and fines except one bank, who I paid in full. 
I now have 2 late pay marks on my credit report from XX/XX/2017. None of my creditors lost any funds from my illness ( XXXX XXXX ).