WillisBack/dataset-financial-user-claim huggingface dataset:
On Thursday XX/XX/XXXX XXXXXXXX XXXX CDT, I wired {$5000.00} from my bank account to the Coinbase Intermediary bank, XXXX XXXX XXXX in New York. I sent this wire from XXXX XXXX XXXX in XXXX XXXX Texas. The following day, XX/XX/XXXX Coinbases intermediary bank, XXXX XXXX XXXX in New York, confirmed receipt of the wire transfer and confirmed that it had been credited to Coinbase, under the correct instruction ( XXXX ). I can provide you with any documentation needed to verify this information I have made no less than 6 attempts to contact coinbase through their customer service portal with no response at all. I also tried to call the company but there is no phone number provided to make contact. I then Emailed directly to their " wire transfer '' department on Saturday XX/XX/XXXX and again NO response. This wire transfer is supposed to be immediately credited to my USD wallet in my Coinbase account. It is Monday XX/XX/XXXX and I have not gotten my money credited. I had a time sensitive business purchase to make on Sunday night XX/XX/XXXX and there was a one hour window for me to complete my purchase through my Coinbase account. My Company missed this purchase opportunity and now it will cost me 10 's of thousands of dollars in revenue. I have read at least 50 postings on various websites and forum 's where Coinbase appears to be deliberately withholding customer funds on wire transfers. Coin base is operating in the USA as an " Exchange " and is governed by US securities laws. This situation looks dangerously like " wire fraud ''. Thank you for any assistance you might provide in helping me recover my misappropriated funds.
The original debt of {$130.00} was not only paid discharged, this collections agency has reported the wrong date/year to the credit bureaus, resulting in a negative collections entry of {$160.00} on my credit file/report at the credit bureaus and a removal date of XX/XX/XXXX. This suggests that the original date/year of delinquency to be XXXX. This is incorrect. I have contacted the company multiple times to inform them of the status of this debt, but they refuse to acknowledge the information I give, and they refuse to take action.
Tax lien {$2600.00} Status Unreleased & XXXX XXXX XXXX {$10000.00} Unsatisfied were both discharged through bankruptcy XXXX XXXX 2016 but still show on my XXXX & Experian Credit Report. I am trying to get a mortgage loan but need this cleaned up. It took me several days to finally be able to report the disputes. I still can not access my free credit report from XXXX. I had no problem with XXXX, it was resolved in less than 12 hours. I have a XXXX ill XXXX son living on the streets that I need to help with housing. It is vital that the credit reports are cleaned up as soon as possible.
I did n't pay my loan on time I try going back to the office Advance America to pay and they did n't took my payment now there calling my job they call my phone every day they talk to my supervisor and they told me there taking me to court I 'm a single mom of XXXX kids my rent is really high and I ca n't pay what their asking I try to make a plan arregement but they denied it I 'm really stress out please help
I requested that this company verify the debt and they did n't send me any valid documents to support this debt. I also asked them to prove that they 're licensed to collect debt in NJ and they are not legally able to collect debt in this state.
To whom it may concern, I would like to initiate a claim against Bank of America Home Loans XXXX contact XXXX XXXX XXXX XXXX XXXX XXXX Manager ) for the following reason : - I refinanced a mortgage loan with Bank of America Home Loans XXXX 
- As requested several times, Bank of America Home Loans failed to effectively work with the title company and I didnt receive the XXXX until it was presented to me by the Tittle Officer at closing. 
- I will submit proof to this agency supporting my claim. 
- ( I have saved ALL emails / communications with Bank of America Home Loans, should these be required as part of your investigation ). 
Thank you, XXXX XXXX
( 1 ) What happened? 

On XX/XX/XXXX and XX/XX/XXXX, I received the depute results Rpt. # XXXX, regarding my Bankruptcy # XXXX. I disputed it as inaccurately reporting. The address on file with the Bankruptcy Court filed XX/XX/XXXX, address is different from the current address I am living. 

The FCRA 609, states that it is a crime not to adhere to their Federal Law 's regarding the slightest inaccuracy in a consumers credit report. The information Reporting with my XXXX Credit Reporting Agency is not the same as the XXXX Bankruptcy Court files. The Bankruptcy Courts do not under any circumstances comunicate with Credit Reporting Agencies or any other 3rd Party Agency. The Credit Bureaus have inaccurate information they do not have complete information, and the FCRA 609 requires the complete information from Bankruptcy Court to be placed in a consumers file, in order for the file to be completely accurate.
10 years a go my wallet was stolen, I reported all my stuff, someone still managed to take a withdrawl from my account, of like XXXX dollars. Apparently along the lines this went into collection. This company was harrassing me to the point where they said they were gon na garnish my wages for like {$4000.00}, unless I start a payment plan with them for 2000. So they convinced me reluctantly to give my card info, and now they are taking out unauthorized payments and my kids have no XXXX. They are called XXXX XXXX and XXXX.
My credit report is being negatively affected by BB & T as a result of extremely poor account management and customer service following a disputed transaction. This experience has also been met with poor treatment ( in person ) by a BB & T Vice President who treated me in a rude and very unfair manner at first introduction. Without receiving any notification or account statements over a long period of time between the date of discrepancy through present I was finally contacted by a collections team at BBT about a past due amount slightly over {$30.00}. Upon that first contact the collections team was unable to provide any explanation as to what the amount in question was from or when the transaction had taken place. I believe the root cause of this to be a result of fraudulent activity to which I have a fraud dispute placed on an account with BB & T for activity that I believe may have some sort of relation to a PII breach and theft of my XXXX IRS XXXX from XXXX a former employer. The fraud dispute was placed on XXXX/XXXX/XXXX. The activity is specific to an account BBT notes as " Credit Line XXXX. '' This outstanding matter is now reflected on my credit report by XXXX harming my psychological and financial wellbeing. Only on XXXX/XXXX/XXXX did I receive three letters in the mail, dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX that were specific to any outstanding balance with BB & T. Even still, no information has been accessible online via portal and PDF nor in the mail as to this issue. The bank has been very difficult to work with and I strongly feel that I am, as the " little guy, '' being bullied. Interest in the amount of around {$0.00} to {$0.00} continues to be added to the outstanding amount each month alongside compounded degradation to my credit profile.
I received a letter from Citibank ( which I found out later is Sears ) stating that due to an agreement between Citibank N.A. and certain of its subsidiaries and the CFPB, I am due a refund of certain fees previously billed to my account for a discontinued credit monitoring program previously offered by Citibank. This amount is {$120.00}. This is for people that were enrolled between XX/XX/XXXX and XX/XX/XXXX. First of all, I have not even had a Sears credit card for @ 10 years and they stated that they applied the amount to my account. Friday, XX/XX/XXXX, I called the toll free number on the letter to see if I could just receive a check, since I no longer have this card. I was transferred AT LEAST 6 times, each time being on hold for AT LEAST 5 minutes. The first person I talked to said it was a Sears card, and gave me phone number XXXX to call, which I did. They did n't seem to know what I was talking about, and transferred me to another department. They did n't know anything either, so I was transferred again. AND THIS WENT BACK TO THE FIRST PERSON I TALKED TO. I believe her name was XXXX. She then had me talk to XXXX? who gave me the phone number XXXX, # 4. This took me to probate, which I guess you only call them if someone is deceased. Then they transferred me to someone else, who transferred me to a 3rd party administrator by the name of XXXX. They informed me that they applied to the account because I still had a balance. How can that be if I have n't had the card for years? I asked them this, and I was told there is nothing to be done. I was so frustrated by then, having been transferred numerous times, being on hold each time, and by spending almost an hour on the phone, that I told XXXX that they could stick the money ... ... .Normally, I would n't say something like that, but I WAS SO FRUSTRATED!!
I contacted General Information Services to verify and validate the information that they have on record as it was incomplete or nonexistent. General information Services failed to provide the signed agreement between me and the original accuser that contained ANY facts that matched what they had in their database system. They did not change the status nor did they provide me with relief for the damages that they caused me.
for 2 years collection companies have dinged my credit rating for an XXXX  bill of {$1500.00} since XX/XX/XXXX.

every time this bill is passed to a new collection company they note on my credit report that it is collection, reducing my credit rating, they never correct it.

this is NOT my bill, finally they drop the calls but never correct the credit report on XX/XX/XXXX it happened again, XXXX XXXX XXXX   did it again, put it into collection on my credit report -- - THIS HAS TO STOP
I had fraud on my acc. I did a dispute with bank of america. They where puttin gas for 4 days over XXXX dollars. The bank send me a letter saying that my dispute was denied. I call them they told me someone call me and i say it was authorized. I told them that no one call me. I asked them for info. For them to give me the info where this gas station where located for me to do a police report. They did not wanted to give me info. So know they reverce the charge. XXXX dollars. And they froze my other acc. With money in it. I need help
netSpend refused to activate pre-paid gift card, asked us to send them social security cards and marriage license in order to activate. This was all for a {$100.00} pre-paid card that was a gift. Froze account and refused to do anything unless we met their demands.
I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On XXXX it's shoes last payment as XX/XX/XXXX but XXXX it's showing last payment for XX/XX/XXXX. It's was reported on XXXX XX/XX/XXXX and updated on Experain XX/XX/XXXX. On XXXX it's showing this account was closed XX/XX/XXXX.
Hello, I once received a credit card from XXXX that I never ordered. I spoke to XXXX and the supporting institution Chase Bank and they determined the transaction was fraudulent, reverted the charges, and closed that account. 

The problem I report today is that XXXX checked my credit score and that is reflected in my credit history and I would like for that to be removed because it is affecting my credit score. 

I post the details of the report below. 

XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX
I initiated a wire transfer from my account ( other bank ) to go to XXXX XXXX. The wire was sent on XX/XX/XXXX/18 to Wells Fargo to credit my XXXX XXXX for {$1600.00}. The wire never reached my account. My bank has sent service request for Wells Fargo to verify they received the funds, but no response. I have asked my bank to recall the wire and again no response from Wells Fargo. I tried calling XXXX myself, all I get from customer service, they ca n't get a hold of there own wire transfer department. What is wrong with this company?
I just recently checked my credit and noticed I have and XXXX bill if {$1400.00} that were open XX/XX/2016. I have no knowledge of this bill because I never used an XXXX account! This has an big impact on my credit because Im trying to buy a house and there telling me this about has to be removed or paid and I cant afford to pay for something thats not mines! Is there anyway you can look in getting this removed from my credit? I called them and they told me to file a report through you all.
Wells Fargo forces me to have accounts that I do n't use. They tell me that if I do n't have a savings account they will charge me fees to my checking account. I opened a business account but I do n't have much activity yet with the account except a couple of transactions, and every month they charge me {$14.00} fee because I have not swiped the debit card XXXX times. I already have my debit card active for my personal account, so 99 % percent of the time I just swipe my personal card. I do n't want to have to close my business account, because of this fee, but it feels like the bank is just gouging my account every month for fees, and not trying to do anything to help me out as a customer. Over the last 12 months, I have XXXX fees totaling {$56.00}. I had to speak to a bank rep XXXX time, and was able to get them to refund XXXX because I was able to show her that I was having issues using my card in the beginning when opening the account, but it was like pulling teeth. I 've also been charged {$15.00} for fees on a savings account that again I 'm forced to have. I was told I needed to have a savings account when I opened my checking account in order to have a " free '' account with no fees. They force me to transfer {$25.00} every month into savings account. If no transfer is made they charge me {$5.00}. Last month my scheduled transfer did n't complete because I had low funds probably, and then it seems to have canceled this months scheduled transfer. So now they slapped with a {$5.00} fee for that. This bank will charge you fees for anything. Please help me get my money back from these theives. It 's all over the news how the bank illegally had their staff create these accounts.
Account XXXX from the XXXX XXXX. XXXX XXXX is reporting inaccurately on my consumer credit file. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Please take the necessary measures and properly investigate the inaccurate account.
I have been dealing with this issue since XX/XX/XXXX. I applied to rent an apartment, and the agent to me I had to pay a larger deposit because of a collection account from, Hunter-Warfield, where I owe another apartment complex. I told her NO, I have never heard of that because I left my last apartment, XXXX XXXX in good standing with no balance owed. I have never heard of Hunter-Warfield, nor was I ever contact by them or received anything. So she says I should contact that apartment and inquire. I did exactly that, and I spoke with the Regional Manager the first time I called and he said to give him the apartment number and he could look it up by that way. He did so and said he could not find me in the system. He said to contact the previous property management, which is XXXX. I contacted XXXX by email and the reply was, " All records pertaining to XXXX XXXX were turned over upon sale of the property. You will need to speak with current management. '' Ok, so I contacted XXXX XXXX again, the new management is XXXX. I spoke to XXXX different leasing agents, told them what XXXX said, gave them the apartment numbers again, and they said I am not in system owing anything. I contacted XXXX again, and their reply was the same as before. XXXX, now its XXXX XXXX after all the back and forth with trying to clear account info up with apartment and still no resolution. I start disputing with Credit Bureaus. I asked them to contact the original creditor, XXXX XXXX, but they never do. I sent in documents where I mailed a certified letter to Hunter-Warfield. Still, no reply from Hunter-Warfield. I have the return receipt from the postal service, where the collection company signed for letter, but still no reply. I called Hunter-Warfield and the representative, yelled at me and hung up while I was talking to him. I am at the end of what to do to get the collection that I do not owe off my credit report. It makes no sense that I would not pay a balance owed, according to credit report of {$170.00}, when I was paying over {$800.00} a month rent. It almost a year and it is still not deleted from my report. I am requesting Hunter-Warfield be deleted from credit report due to the fact they failed to provide me with requested information, and conduct a thorough investigation with the original creditor. Hunter-Warfield failed to remove its collection from my report after I mailed the certified letter for them to stop reporting on my credit. Still, to this day, XX/XX/XXXX. I have received nothing from Hunter-Warfield, no cooperation from them. Please delete from my credit report. Thank you.
I received a " business line of credit '' card in the mail, unsolicited and addressed to me personally at my business. The document says " call now to activate ''. It is addressed from XXXX XXXX, XXXX XXXX XXXX. # XXXX XXXX AZ XXXX. 
I called to discuss and they stated this was an invitation. But it looks just like any other legitimate credit card that one would receive in the mail.
I had student loans with Sallie Mae since XX/XX/1998 which I kept deferring or forebearance. 
In XX/XX/XXXX I got harassing calls from XXXX XXXX XXXX   that I was in default. I agreed to make income based payment arrangement but for some reason they added {$22000.00} in late fees. My student loan was {$42000.00} but with the ridiculous fees added they said my loan was now {$64000.00}. I did not agree to those illegal fees so I did not agree to their repayment plan unless they remove those fraudulent fees. Next thing I know, I got letter about garnishment.i submitted my docs that I support 5 people and struggling but it did not matter. They filed for garnishment in a court in Missouri i believe and they have been garnishing my wages since XX/XX/XXXX. 
I need help. They also take my tax returns each year. I will agree to repayment plan on correct loan amount once garnishment is removed. {$22000.00} in late fees. That is simply absurd and criminal. 
Please can you help me fight them. 

Thank you
Im in a ARM mortage loan on my house and have had the same loan for 11 years, I have never been late or missed a payment to them ever, My credit score has gone up but my income has not, Therefore I can not Qualify for a new loan, They keep raising my interest rate and have raised it several times even when interest rates were going down. I do not think that they should be able to do this it is starting to put me in a position to not be able to make my payments, I understand I signed an ARM but was told by my lender they would only adjust with interest rates, The rate would go down when rates went down and up when rates went up. 
Is this legal or ethical?
Some credit agencies have my address as a XXXX address. That is not my address that is my fathers address. Mine is XXXX XXXX not XXXX. I 've attached proof of identity and address. My drivers license
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have  on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid this _____ day of XX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :
XXXX, Equifax and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Today, at work, a colleague was contacted by this creditor and told it was a creditor, told them I would be arrested at work, and the colleague messaged me in a panic. I called the creditor, who could n't even find me in their system. I was forwarded to the ext I was given, and the person -- XXXX XXXX, lied to me and told me she did n't tell my coworker that. We have call recording at work, I heard it myself. This is abusive. And humiliating.
I disputed this account since I have never been do the hospital where the collection came from. After months of sending them information I was told my the collector that the account would be deleted. Two weeks later is was deleted. 

Now, months later, the debt has reappeared and they tell me it was just updated and was never deleted and now they want more information. They are super rude and even harassed my mother at her address for years with letters and phone calls before they finally asked her for my phone number. Very unprofessional and are not willing to listen to logic. They just want money, don't care if their information is correct or not. They won't and probably can't even confirm is this doctor even saw me. 

Disgusting.