WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX, I did a wire transfer of {$5600.00} to Coinbase Inc to fund my Coinbase account. The fund is supposed to use for purchasing crypto currency. However, when Coinbase received my fund, they blocked my buy/sell/withdraw options and said that I need to verify my identity AGAIN. I already verified my bank, my identity and made some transactions previously. Now suddenly they asked me to verify again. Their ID verification system did not work. I submit multiple requests and call them multiple times. They never respond to my request tickets and said could not help through customer service on the phone. It only takes them to 2 minutes to verify my identity but they does not respond. Due to their delay, I could not use my fund to invest and lost thousands of dollar. My case number on their support system is : XXXX
Our mortgage moved from XXXX to BB & T, I had been a XXXX customer for 10 plus years, in those 10 years, we have not been late on any payments. Starting XXXX ( thru XXXX XXXX, BB & T has reported me late to the Credit bureaus although we have not been late. BB & T receives two payments for the mortgage ( one from me and the other from my mother in law ), it appears that one payment is always reversed and is not corrected til a later date ... I have contacted BB & T and they acknowledge that I have not been late and correct it in their system, however, when I asked for the Credit bureaus to be corrected, BB & T is not correcting the CB 's. My score has dropped over 75 points. I am trying to purchase a house and this has had extreme negative impact on my score. In addition, had I not been monitoring my credit as closely as I do, I would not have seen this issue and it would be too late for resolution. I have tried to work with BB & T as well as the credit bureaus ( submitted disputes ) with no corrections in my Credit Report. I need to have my credit report corrected to reflect that i have NOT been 30 days late.
My information has been compromised as a result of a data breach of Equifax. The exposure of my Social Security Number is an extremely serious offense and I deserve to be fairly compensated for the possible identity theft.
In XXXX this year, I purchased an item on the Internet using my XXXX card. The vendor ( XXXX XXXX billed me for the item I had purchased, and later for XXXX more on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I never received. I file a dispute with XXXX immediately and was advised to change my CC Number, which I did. The vendor later submitted a self-serving statement that by agreeing to the purchase of the first item, I had signed up for an option-to-buy program after a XXXX trial period. For the record, I neither read nor agreed to a statement like that when I purchased just XXXX item. 
The vendor re-submitted bills for supplies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I never received and XXXX honored their request. In my judgment, XXXX should not have honored that request because my CC Number had been changed at their suggestion, and I did not receive any other product. By their action or inaction, XXXX has aided the perpetration of a fraud. Why should I pay for products I did not order or receive? This billing has to to removed from my account.
XXXX, the crypto currency, has locked the availability of Etherium after I made a purchase. its been almost a week and, like XXXX of others, i am unable to transfer or trade my currency. They have no customer service so I am left without options. 

thank you
Wells Fargo refuses to honor Minnesota State Law to allow me to postpone the Sheriff sale of my house on XX/XX/2018 for the 5 month postponement allowed by state law.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN ATTENTION DISPUTE DEPARTMENT : CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I am in the process of consolidating my credit score, Equifax just dropped my score by 43 points, when a week earlier I 've paid my balances and was expecting to have it raise. Besides the fact that I 'm a victim of the identity theft this company keeps hurting my future and present profits, through wrongfully calculated credit score. If a human would do that, they would probably be fired/sent to jail/ or had to quit their business, but as a soulless corporation it had no repercussions to suffer from their irresponsible, criminal activity.
I signed into my XXXX account on the due date to pay my card, which my account shows as it says I logged in on XXXX XXXX, yet my payment was marked as late and I was charged a late fee and finance charge. I have logged in again today XXXX XXXX XXXX to make my payment and now they only allow me to mark my payment as paid on XXXX, even though I am technically logged in to pay the account on XXXX. This is the only credit card company I have ever had this issue with. It seems as though they purposely mark your payment as late to charge late fee and finance charges. I have never been late on any payments on ANY of my credit cards, mortgage payments, student loan payments, etc, and have a perfect credit score.
I have recurring bill payments being handled by Bank of America being set to XXXX. Beginning XXXX/XXXX/XXXX payments were made by bill payment every two weeks and sent by corporate check ; XXXX payments to be exact. For other payments in my bill payment with Bank of America since I because a customer all my non-electronic payments made via bill payment were made by corporate check. My payment scheduled for XXXX/XXXX/XXXX to XXXX was made by personal check drawn on my XXXX. This action was taken with out notice to me, causing me harm. In my option this was a calculated action of the part of Bank of America to cause myself and other customers harm. The action is a deliberate move on the part of the bank to increase NSF fees which are probably dropping due to the increase use of electronic payment and the drop in personal checks being written. Although their bill payment agreement says that they have the right to send by electronic, corporate check or personal check, the established delivery method over years with the bank voids this and requires that they provide proper ADVANCED notice to me as a consumer. I have been harmed by this negative action and forced to spend additional funds to purchase adequate software to maintain a proper check register because I can no longer rely on the on line banking function provided by the bank to know my balance. I do not write checks out of my account, I do not own any checks for this account. The actions taken by Bank of America are discriminatory and predatory because they adversely impact on lower income customers who maintain low balances. The fees charged have a greater impact on customer like myself who can lest afford to have to pay these fees. According to my XXXX records all my payments scheduled for XXXX/XXXX/XXXX will be going by personal check they are no longer doing electronic payments even.
There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  ) I was never late on these accounts and should not have any late paymetns.
I notice XXXX unknown accounts from this company on my credit. I did contact them first, but its been 3 months and I have not heard back from them and the accounts continue to falsely report on my credit as if they are debts I have incurred. The company never contacted me to verify them. 

XXXX # XXXX XXXX XXXX # XXXX
I wire transferred {$2600.00} ( + {$25.00} banking fee ) on XXXX XXXX at XXXX XXXX PST from Coinbase to XXXX XXXX and it still has not arrived a month later. I have emailed their various customer support emails, called their bank, and called Coinbase. I called Coinbase three different times, I was on extended hold, and then they hung up on me. I reached out to them multiple times through XXXX also. 

Coinbase has failed me as a customer and I 'm seeking Government help to find my money.
Per request of CFPB on XXXX consumer is resending the Qualified Written Request to be answered by Ocwen. A qualified written request was sent to CFPB and received by them on XXXX and was not assigned a case number for Ocwen to respond to. Ocwen is in receipt of the attached QWR and should respond accordingly to CFPB. Consumer requests that the attached QWR be resent to Ocwen so that consumer may retain their right to dispute any documents submitted to CFPB by Ocwen.
I went on credit check total to get my FICO scores and I was able to obtain XXXX and XXXX but it states Equifax is not available. I have been having this issue with Equifax for over 6 months and nobody can tell me why my FICO score does not show. There is no freeze or fraud alert on my account so I do not know why it will not show!!!
I called to make a payment on an account through a debt collection company that I have been making payments on for the past 2 years. My account was transferred from the original debt collector to XXXX over to XXXX & XXXX in XX/XX/2016. You are not able to make a payment online. You have to mail in your payment or you have to call in. I tried calling on XX/XX/2016, my payment due date, for XXXX hours but could not get through. I called again on Monday XX/XX/2016 when the office was open. XXXX XXXX informed me that my balance was actually {$50.00} higher than my balance. When questioned about that, she sent me to a XXXX. XXXX answered the phone explained there are XXXX screens they look at which yes, do show different amounts, but after making my payment, it would be correct. He took my debit card information, confirmed the information given to him and said he would turn in the form. I requested a confirmation number from him for the payment and he stated that he did not have to give me XXXX. They would run the payment and it would be processed in XXXX to XXXX hours. I stated that they only had permission for a XXXX time {$50.00} payment and I wanted confirmation to this. He again stated he did not have to give me a confirmation number because they had changed their practices. I told him that was not acceptable because anyone could have my information or run my debit card number multiple times. He told me I could then mail my payment in and he was tearing up the form he filled out. I explained that I made a payment to this same company in XX/XX/XXXX and I had an immediate confirmation number given to me. He said again, things had changed.
This collection company called my sisters phone number and left a voicemail. When we called them back they were stating they are a lawyer office and were going to garnish my wages for a debt from XX/XX/XXXX. When I started asking questions she said she could not give me details on the loan. I asked who she worked for and she said an attorney in Delaware. She proceeded to call me ignorant and stupid because I kept asking questions about the original company as well as the company she worked for. She informed me they would be sending information to my employer tomorrow XX/XX/XXXX to start garnishing my wages. She called from XXXX ( XXXX XXXX XXXX and when I asked for her supervisor she refused saying she is the supervisor. I advised her I have not received any information regarding this debt and I would not be paying anything until I receive proof. She again proceeded to call me ignorant several more times.
Americollect has been contacted by me and by the XXXX regarding debts owed to them. They continue to answer in a manner that just gives a run around. No real solution. I had set up an automatic payment to pay on a debt they say I did n't pay. They stopped taking out of my checking after the payment was made on XXXX. The debt listed of {$60.00} should have been paid off. They claim I still owe it, they say that the last payment made was XXXX, but I proved to them that they took out another payment on XXXX, but they claim they applied to another account. They are not applying it correctly and refuse. I have also been disputing a debt from XXXX of {$640.00}. They are saying it was delinquent of XXXX, this does n't even give enough time for insurance to be billed and paid and then sent to me for payment. We filed for bankruptcy on XXXX and I have been questioning this debt. I know XXXX was the original debtor and they were included in my bankruptcy, which also means I did n't receive any bills either from them. I am only asking my bill show it was paid and the XXXX for {$640.00} should be removed, either way my 7 years will be up, or they are asking for a debt that was including in my bankruptcy which is against the law. They refuse to update my credit report with the correct information.
Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.
I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but TransUnion 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.
Delinquencies which occurred XX/XX/XXXX and XX/XX/XXXX have been re-aged, and are being illegally reported well past the Statute of Limitations for reporting negative credit information. I contacted TransUnion in writing ( proof of mailing and delivery receipt attached ) on XX/XX/XXXX, and again on XX/XX/XXXX regarding an accusation of re-aging a total of XXXX accounts from former student loan debts ( now paid in full as of XX/XX/XXXX ). On both occasions, I requested copies of my Consumer Disclosure files to obtain concrete evidence that my debts had been re-aged and were being reported illegally. 
Both requests for the documented payment history in my Consumer Disclosure files have been ignored, and the accounts erroneously " updated '' without any written proof of verfication whatsoever. A total of forty-one ( 41 ) missed payments are being illegally and improperly reported as of this date, XX/XX/XXXX. This has hurt my ability to obtain credit, and I continue to suffer damages as a result of this illegal activity by TransUnion.
XX/XX/2019 {$5500.00} Called Bank of America 4-5 times I overpaid my credit card by {$5500.00} and when requested for a refund check on XX/XX/2019, I didn't receive anything for a few weeks. After a few weeks I called in and a representative told me that they will stop payment on the check and issue me a direct deposit into my account, after a week of waiting nothing happened so I called back in. I got the same response from the rep that payment for the check will be stopped and will issue a deposit into my account. I called in 4 times now, still haven't seen a check nor a direct deposit into my checking account, and the representative keep telling me the same thing. Its been over 5 weeks and I still haven't get my money back yet.
I noticed an unknown account on my credit a few years ago, and since then have sent American Revenue XXXX notices, including my police report showing I 'm a victim of identity theft and they continue to ignore me.
In XXXX discovered an erroneous/fraudulent mark on my credit report from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MD XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX ). I contacted XXXX XXXX Hospital and informed them of the mistake. I contacted XXXX XXXX XXXX   and informed them error. I filed a dispute with the credit reporting agency Equifax. 

I mailed XXXX XXXX Hospital and XXXXXXXX XXXX XXXX   certified letters requesting they produce competent evidences that bares my signature to provide I owe this debt within a reasonable period. 

Furthermore, I requested until they could produce competent evidence no future actions should be against me. At the end of a reasonable time if they can not provide competent evidence proving the erroneous debt they remove the erroneous mark from my credit report. I filed a dispute with the credit reporting agencies simultaneously. 

I received delivery conformation both letters where delivered from the US Mail service, but no response from either XXXXXXXX XXXX   Hospital nor XXXX XXXX XXXXs. Equifax removed the mark from my credit report. 

In XXXX I discovered the erroneous/fraudulent mark on my credit report. I responded by sending a second letter to both XXXX XXXX Hospital and XXXXXXXX XXXX XXXX followed by another dispute with Equifax. I did not receive a response from any parties, so I contacted XXXX XXXX Hospital via phone. The accounting/billing department told me we had no record of the debt. 

I have no recollection of this debt nor have I ever received validation from either party to the validating the debt or the soundness of the report mark. This is a medical bill on my credit report! 

Today, I discovered the mark on my credit report once again. I contacted Equifax and filed another complaint. I contacted XXXX XXXX Hospital via phone. The Vice President is having a letter drafted stating this is an erroneous account. 

The alleged debt is a medical bill dating back 8 years. I have never given anyone authorization to report medical debt on my consumer report. I am demanding it is removed today!
In XX/XX/XXXX and XX/XX/XXXX, in a desperate situation, I took out a loans from Regency Finance, formerly known as XXXX XXXX, in XXXX, OH. Phone number XXXX. The total amounts of the XXXX loans are just under {$2000.00}, which I have paid MUCH more back on since then. I acknowledge that I signed the paperwork knowing that it was a high and unfair interest rate. I have remained caught up on my payments ever since. Occasionally, especially in the past year, I have fallen a month behind, but always make TWO month 's payments simultaneously to get caught back up. In the past few months, this company has grown increasingly hostile towards me. This ranges from calling me at my work, on my phone at all hours of the day, and making snide comments to me when I go to their office. Before I observed this attitude from them, I always communicated if I fell behind to tell them I would get caught up. I feel like their business practices of using people 's desperation as a commodity is a microcosm of what 's wrong with America in the 21st century. I do n't, and have never had any intention of defaulting on my payments with them, but I am sick of dealing with them directly. Today, they called my place of work, The XXXX XXXX XXXX in XXXX, OH. I have never even told them that I work here. They refused to tell my secretary why they were calling.
On XX/XX/XXXX, I made the withdrawals from my funds below. Total overdraft charges were {$72.00} an e-mail notice was not received until after the third day the charges were complete. I did not receive an immediate notification to contact about the first overdraft and prevent the second. Overdraft protection was difficult to find and enroll in, however, I have done this now after calling the bank to request a fee waive of the OD charges. When calling Regions bank  onXX/XX/XXXX. The only refund the bank made was {$18.00}. This leaves me with a {$54.00} overdraft charge.
XX/XX/XXXX Your beginning balance on that date was {$87.00} We received checks, withdrawals and deductions totaling XXXX ... ... ... ... ... ... ... ... ... ... ... ... ...
Check Number : Dollar Amount : Action Taken : OD/NSF Fee Non-check item {$250.00} Item Paid {$36.00} Non-check item {$10.00} Item Paid {$36.00} Total : {$72.00} XX/XX/XXXX Fee Refund {$18.00}
I recently agreed with my mortgage loan servicing company to short sale my home. It was the only option giving to me at that time. I was giving a contact agent ( XXXX XXXX ) at Fay Servicing , LLC. I have not been able to contact him at all after he told me that the best way to contact him was by email. In our original conversation ( the only contact I had with him by email ), he told me that he submitted it to the XXXX XXXX Department. It has been several weeks and no contact by either him or the XXXX department. I was also told that if I had a realtor that the agent should contact him for further directions and the handling of the sale of the home. To date, we have heard nothing from XXXX XXXX. We need contact from him, as I feel we probably could have sold the home by now. I also believe this may be a stall tactic to foreclose on the home.
I reported a public record inaccuracy to Equifax and XXXX via XXXX XXXX. This item is a judgement that has inaccurate information. XXXX removed this item from my credit report due to not being able to verify accuracy. Equifax marked this item as " satisfied '' which is still inaccurate and refuses to provide me any information as to how this was verified per the FCRA 611 ( 15 U.S.C. 1681I ) that states that this information must be given to me or verified. They refuse to address the inaccuracies with me and refuse to resolve the issue. This judgement has never been executed by the courts or by the creditor and the original creditor has not provided any of this information to Equifax. Equifax used a third party to gain this information and refuses to verify the validity and inaccuracies to this account.