WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint regaurding the website Coinbase. Recently ( around XX/XX/XXXX ), when logging into my coinbase account I received a notification that a debit card transaction from XX/XX/XXXX for {$500.00} was reversed and that I was required to make a payment of {$500.00} to unlock my coinbase account. I contacted my bank to see if there were any payment reversals from coinbase and there weren't any. I have bank statements that can prove this. The debit card I made the purchase with is no longer active as well, although I don't see how this could affect this situation. I contacted the coinbase support team and they said they created a support ticket and in the meantime I did nothing with my coinbase account. I had a balance of over {$1200.00} in my USD wallet on coinbase and a few days later Coinbase decided to take out {$500.00} from my USD wallet and forced me to double pay for a transaction I already paid for, leaving my balance in my wallet on the coinbase website with only around {$700.00}. I feel completely scammed by coinbase because there is no way a reversal could have happened because COINBASE ALREADY RECEIVED MY {$500.00} ON XX/XX/XXXX. So I was charged twice. Once on my debit card on XX/XX/XXXX, and I was charged again from my coinbase wallet over a month later. I would not have received the cryptocurrency coins I purchased if it didn't go through. I would like my {$500.00} back and can provide any necessary information to prove that there were no payment reversals by my bank. The support ticket I opened with the site is support ticket XXXX.
I got a car loan through Santander Bank In XX/XX/XXXX, the car dealer / salesman had committed fraud when he got me the loan through Santander. In order to get my loan approved he lied on the application about the miles on the vehicle. 1 month after I bought the vehicle the motor stopped working and I tried to have it fixed using the warranty I purchased through the dealership and the Warranty company said my warranty wasnt valid because of the mileage discrepancy. So I returned the vehicle and the bank took possession of it In XX/XX/XXXX and it became a closed account / charge off. Its been on my credit reports for 7 years and 4 months as of today. It was marked to come off of my credit report in XX/XX/XXXX but now Santander has starting reporting the account as open again in an attempt to keep it on my credit file. Ive disputed this action with the credit bureaus and Ive disputed it with Santander. Ive contacted Santander and they refused to re close the account and could not give me a reason as to why they re opened it within 4 months of it falling off of my Credit File. It should be removed immediately and Im pleading for your help in assisting me with this.
I went into Kay Jewelers at XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX to view engagement rings. The sales person offered to run a credit check to see if I could qualify for financing and I agreed. I purchased a few gifts from Key Jewelers on my own credit card. A few days later, I received a Kay Jewelers credit card in the mail. I never agreed to starting a credit card, and told the customer service rep. when I called to cancel the card.
I 'm receiving calls from Evans & Associates claiming to be a law firm trying to collect on a debt. They have NEVER sent me any postal mail communications. I do not owe them anything and they are not an original debtor. They have called my entire family and continue to harass me daily. They 've called from several numbers : XXXX, XXXX & XXXX. 

They also sometimes call and do not identify themselves, they use a voice scrambler so you ca n't tell what they really sound like, and they never say what company they are trying to collect a debt for or who this claim is being made by. 

I have never done any business with this company and owe them nothing.
On XXXX XXXX, XXXX, I went to Walmart in XXXX, NC to make an international XXXX transfer to XXXX in the amount of {$300.00} USD. I paid {$300.00} including the transfer fee. When the recipient went to pick up the money with their ID at XXXX services at a local Honduran bank, they were told that the sender needs to call and verify. The following day, XXXX XXXX, XXXX, The agent at Walmart called XXXX for me and was informed that the recipient must call to verify, not the sender. I then told the recipient to call and verify and after doing so, they said now please have the sender call again to verify. On XXXX XXXX, XXXX, I called again and was informed that no, I am verified, the sender is verified, but the XXXX agent in XXXX has to call on behalf of the recipient to verify. The recipient went back to the bank and spoke with a XXXX agent who insisted this is a mistake from the XXXX services on the XXXX side said the sender is the person that needs to call and verify. They absolutely refused to make any calls neither for the recipient nor to XXXX. I went back to Walmart where I made the initial transfer and the same Walmart associate who had helped me before called XXXX to inform them of this situation and request a refund. She was told that they will not release my money not even for a refund unless the Honduran XXXX agent calls them. She transferred the phone to me and after explaining it to them again, they told me if the bank does n't want to call then please have the recipient call, once again, to verify. 
XXXX has given me many different numbers to call that I, the recipient, and the XXXX Walmart associate have been calling to resolve this and keep getting the runaround. After calling these numbers numerous times about this situation, I no longer want to deal with their customer service. They are now holding my money indefinitely and will not release it even though both I and the sender have already been verified. I have used their service many times before and never had any issues.
I have a reverse mortgage and am getting threatening letters that I can lose my home because I owe XXXX for property insurance even though I sent proof that my condo XXXX provides it.
I set up automated payment plan with XXXX XXXX ; however, they failed to deduct moneys from my checking account and assessed me a late fee and my minimum payment went up to {$95.00}. When I contacted their customer service department on XXXX/XXXX/2016 ; representative XXXX confirmed that I had auto-payment in place ; however, it would not take effect until XXXX/XXXX/2016 due date payment. I set up auto-payment in XXXX. XXXX stated he could not reduce my minimum payment.
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/XXXX 2017, Rozlin Financial Group L placed a fraudulent debt on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX. I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this on my report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. Furthermore, I was not informed of this bill either before or after it showed up on my credit report. I was not contacted by telephone or by mail with any bill by any of the parties involved. I was not given any opportunity to resolve the issue before it showed up on my credit report. I am not certain whether this fraudulent debt was acquired from the original creditor, XXXX XXXX XXXX XXXX XXXX or if it was purchased from the original debt collector, XXXX XXXX XXXX. I do not however, appreciate that this is the second time this fraudulent debt was added to my credit report, adding a second collection for the same fraudulent debt to my credit report. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.
In XXXX XXXX, I visited XXXX to speak about a home mortgage. While in our meeting we pulled my credit reports. In review of all XXXX credit reports it was brought to my attention that Wells Fargo Dealer Services was reporting to XXXX that my auto loan was charged off at over {$7000.00} and I had not made a payment since XXXX! This information was COMPLETELY FALSE and was verified by the correct information in my XXXX and XXXX credit reports. I was advised by the consultant at XXXX to contact Wells Fargo Dealer Services and have them correct this immediately, and so I did. When I contacted Wells Fargo Dealer Services, I was given a fax number to contact the dispute department, which was only reachable in writing and by fax, I was told I could not speak to anyone in that department they did n't have a phone number. I told Wells Fargo that I was not disputing anything, I just wanted the TRUE and CORRECT information to be reported to XXXX, again I was told the ONLY way to do that was to fax the dispute department. So I did, and the correct information is now being reported HOWEVER, here we are, OVER a year later and I return to XXXX after I have fixed and cleaned up all my debt, and I am told that NOW Wells Fargo Dealer Services is reporting to XXXX and I quote ( direct from my credit report ) " Dispute Resolved ; Customer Disagrees '' AND NOW ALSO reporting to XXXX AND XXXX, again I quote ( direct from my credit report ) " Consumer Disputes after Resolution ''!!!!! ARE YOU KIDDING ME!!!!! I did NOT dispute nor did I not agree with the CORRECT AND TRUE information being reported to ALL of the Credit Agencies. I have absolutely no control over how my loans are being reported to any and all credit bureaus. It is not by my fault that Wells Fargo Dealer Services was reporting FALSE information!!! IT WAS NEVER A DISPUTE and I NEVER DISAGREED WITH THE CORRECT INFORMATION NOW BEING REPORTED!!! I want the dispute removed from ALL my Credit Reports immediately as this is hindering my ability to purchase a home!!
# 1 ... Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$320.00} { XXXX-ISSUES } ... ... ( # 2 ... 30 days past due as of XX/XX/XXXX ) ... .on my Capital One Credit Card. 

# 1. Concerning the above statement : I lived in XXXX, ( where the MAIL Service is NOT SO GOOD ... often NOT AT ALL )! Did ''NOT '' or never did get ANY STATEMENT or NEW CR EDIT CARD, from Capital One, ( after XXXX , sold my Account to Capital One Credit Cards ). I lived in XXXX., from, XX/XX/XXXX, until XX/XX/XXXX. I DID NOT GET ANY STATEMENTS FROM ''CAPITAL ONE ''. DESPITE ''NOT '' receiving any Statement, ( THUS NOT KNOWING WHAT I OWED OR EVEN THE PAYMENTS OWED ), I CONTINUED TO MAKE EVERY EFFORT, TO PAY, EACH MONTH, MY MONTHLY PAYMENTS. ( Paid at least {$15.00}, to $ XXXX-Dollars per Month, during the period from XX/XX/XXXX, until XX/XX/XXXX. 
I was Hospitalized XX/XX/XXXX ... ... ( had a Hospital Bill of almost $ 4,000-Thousnad Dollars ). This is the reason I was LATE with the XX/XX/XXXX PAYMENT for my Capital One Credit Card. Because I was in the Hospital, ( XXXX ). Stayed in the Hospital for 6-Days, at XXXX XXXX, XXXX, XXXX. 
Due to my Hospital stay, ( actually I had forgotten about making my Capital One Credit Card payment ). I thought I had already scheduled this to go out. I was wrong! But once I realized this ... ... XX/XX/XXXX, I MADE NOT ONE BUT 2-PAYMENTS FOR XX/XX/XXXX. 
Despite this ... ... THE COMPANY ( CAPITAL ONE ), PUT ON MY CREDIT REPORT, THAT I HAD BEEN LATE ... .. ( which was TRUE ). But there was a REASON ... .. ( ''NOT '' an Excuse )! 
I called CAPITAL ONE, asking them to REMOVE my LATE PAYMENT ... ( as this was the only time I had EVER BEEN LATE, with ANY PAYMENTS, to them. 
***CAPITAL ONE, told me that they were going to HAVE THIS REMOVED*** ( THE LATE PAYMENT, XX/XX/XXXX ... ... TO DATE THIS HAS ''NOT '' BEEN DONE AS OF YET? 
Hopefully, Capital One, with get this request accomplished. As all XXXX-Credit Agencies are reporting my Capital One Credit Card ( as being late over 30-Days, in XX/XX/XXXX ). 

# XXXX ... .Please REQUEST that CAPITAL ONE, & ALL XXXX AGENCIES .... ( TAKE OFF MY LATE PAYMENT OF XXXX, XX/XX/XXXX ). Due to my Hospitalization, at XXXX XXXX, in XXXX, XXXX, ( for 6-Day 's XX/XX/XXXX ), PLUS ''NOT '' RECEIVINGANY STATEMENTS whatsoever, when I lived in XX/XX/XXXX , from XX/XX/XXXX, until my return in XX/XX/XXXX. 
Thank you for your help concerning me trying to get my Credit in order. 
Respectfully, XXXX
On XXXX XXXX, XXXX, I was contacted through email by XXXX XXXX at XXXX XXXX. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with PNC. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance XXXX XXXX is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. 

Information received from email : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I mailed a goodwill letter on XX/XX/18 regarding XX/XX/2018 late payment status. I was having financial hardship due to being admitted into an in-patient hospital for a month and losing my job. They mailed me a letter on XX/XX/18 stating they aren't willing to help me out. This is keeping me from getting a mortgage loan.
I am not able to receive my free annual credit report from Equifax through XXXX as required by the FCRA. On XXXX I was unable to get my free credit report from Equifax and was asked to send request and copy of SS card, drivers license, ect by mail to get the report. I had no problem with XXXX or XXXX. Again on XXXX I was unable to get my free credit report from Equifax and was asked to send request and personal info by mail. I had no problem with XXXX or XXXX.
My daughter and I applied for a mortgage with quicken loans. The broker lead me on that the interest rate would be 4.25 % conventional with 20 % down and told me the estimated closing cost would be about {$6500.00}. He never sent me a good faith estimate of the closing cost. After we started to loan process on of the documents that he wanted us to approve was a 2.5 % fee for that rate. ( {$4100.00} ). If we did n't want to pay the fee the rate would be 4.75 %. We did not sign that document. I immediately called him and he said that was the cost for that rate and could not be changed. We sent him an email to cancel the application and return the {$500.00} that my daughter paid him. We were able to find XXXX companies that gave us that rate with no cost. He refuses to close our application and offered to match the offer. We again told him no and he went through with an appraisal after we told him to stop. He again emailed me to talk to him about a different offer.
I have a mortgage with US Bank that has insurance escrow attached. The bank erroneously estimated that insurance would be higher next year and overcharged my autopay. I spoke with the insurance company in late XXXX or early XXXX and sent to US Bank paperwork indicating what the actual rate should be. US Bank said that my payment would be adjusted for the next bill. They did not adjust it for the next bill and overcharged my account again. I am on a fixed income, and had adjusted my spending to accommodate only the lower amount they said they would charge me, which created a large financial hardship when they overcharged the account again. I was required to put my auto insurance and food for this month on a credit card which will bear interest as a result of this error which they said they had fixed, but was actually not fixed. I have also suffered from extreme stress as a result of this situation and attempting to get it to a reasonable resolution. 

I then contacted them again, and they claimed again to fix the problem and said they were sending me a check for the overage on the escrow account. My next bill reflected that they had made the appropriate changes. However, they refused to send an updated escrow analysis to me or me attorney so we could review their work and make sure the problem was handled correctly.
There are XXXX liens on my credit report in the public records section. I challenged the information because I do not have any record of being sued. Equifax dispute resolution stated that the information had been verified with the XXXX XXXX XXXX. I contacted the court using the information listed on the credit report, no agency listed had any information on my name having liens. The case numbers listed are incorrect or nonexistent no one could help me find the information listed on my credit report. I have no idea who has placed this information on my credit report or how to contact them to resolve this issue. 
I also need the XXXX XXXX XXXX addressed because they have that I owed {$150.00} and my account was closed. My account was closed by someone other than myself without my knowledge or permission. When I notified the gas company that an error was made they setup a new account for me. The {$150.00} was already paid, so I would like that information removed.
No action was tooking by this company and also try to get in contact with a senior adviser but no luck.
I had an automobile accident in XX/XX/2017, where the other driver was clearly at fault. I had to undergo ER treatment at the XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, account No. : XXXX ). At the time of the treatment and subsequently, I have provided their billing department the proper information about my healthcare plan - Group Number, ID, phone number, copy of the card. I have submitted this information multiple times - over the phone and via USPS mail. For some strange reason, the ER billing team has failed to submit the claim to my insurance carrier and have chosen to retain the collections agency AR Resources, XXXX XXXX XXXX, XXXX XXXX PA, XXXX, phone : XXXX, my account No. : with them is : XXXX. I believe I have also provided this debt collector with my insurance card, and again, they have failed to submit a claim. They have chosen instead, to harass me with multiple letters and numerous phone calls, during work hours. I have instructed them many time to file a claim with my insurance carrier and they have chosen to ignore me.
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
I 've sent XXXX debt discharge letters for them to remove closed accounts from my credit report under the G.a.a.p. Including medical bills.
XX/XX/XXXX I found fraudulent charges on my XXXX XXXX when I checked my balance on line. I called XXXX  to dispute the charges. They mailed me paperwork to fill out.

XX/XX/XXXX I received a provisional credit.

XX/XX/XXXX The provisional credit was taken away. When I called they stated that they were still investigating and when the investigation was over they would credit me again if they found the charges to be fraud.

XX/XX/XXXX I received a letter from XXXX stating that their investigation was over and they had determined that the charges were in fact fraud and my provisional credit would now be a permanent credit. I was never given the credit back.

I have called them at least 20 times since then, and have been documenting the dates and who I have spoken to since XX/XX/XXXX. Everytime I call they tell me that they are working on my case, they put in another " ticket '' and there is no time frame for resolution. The amount is {$92.00}.
Equifax has not corrected their information on my credit report. The XXXX account is still reported as open when it is actually closed. The Merchant closed this account and reopened another. Please assist in helping me get this information on my credit file corrected.
I was charged interest on the loan before receiving loan proceeds. The accrued interest caused a misstatement of the APR. I inquired and was told funds would arrive in a few days. Funds are by ACH ; regardless, they charged interest while holding my funds rather than waiting until they sent the funds.
I was born in XXXX, making me XXXX was and still in high school when said loan was taken out in my name. XXXX, company name XXXX XXXX XXXX Ive contacted them on several occasions but to no avail. 

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
I had an account with XXXX XXXX XXXX that was paid in full. I had in the past trouble with people using my information without my knowledge. I have contacted XXXX XXXX XXXX and had my account closed a few time. I recently received a notice in the mail from a debt collected stating that I owe money to XXXX XXXX. I told the debt collector that this is a fraud account in my name. I also stated with them that I had in the past a account with XXXX XXXX that was paid in full and closed. The collection agency stated that they will contact XXXX XXXX to have this removed.
In XXXX of XXXX XXXX changed from XXXX Bank to XXXX Bank. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
In XXXX of XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XXXX XXXX as well as today, XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the initial switch, and XXXX in XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to zero.