WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I initiated a domestic wire transfer from my personal checking account at XXXX XXXX  to the bank of Coinbase, XXXX XXXX XXXX. Coinbase 's publicly published policy for wired funds is to have it credited within 1-2 business days. 

On XX/XX/XXXX, after checking my Coinbase account and the money was not credited to my account I opened a support case with them through their online support platform. I did not hear back from XXXX until I called their support number on XX/XX/XXXX, waited on hold for almost 2 hours, only to be told my case was escalated to a " wiring specialist ''. On XX/XX/XXXX there was an update posted to my case by the support rep I spoke to on the phone, but since then there has been absolutely no response from their support team nor has the {$5700.00} USD been credited to my account. 

On XX/XX/XXXX, I called their bank, XXXX XXXX XXXX, spoke to someone in their wiring department, and this individual confirmed to me over the phone the funds were received and had been credited to Coinbase 's " general '' account and it was now up to Coinbase to credit my account. 

On an almost daily basis since XX/XX/XXXX, I have requested an update in my support case but no one has responded. 

On XX/XX/XXXX, I visited Coinbase 's bank branch in XXXX XXXX  XXXX. During this visit a representative confirmed to me again that they, XXXX XXXX XXXX, had received the wired funds and had credited the funds to Coinbase 's general account but again that it was up to Coinbase to credit my account. 

As of today, XX/XX/XXXX, 41 days after having sent my wire transfer the funds are still not available to me and there is absolutely no communication from Coinbase on the matter.
I have been an account holder since 1995. Last month I was surprised to find that the bank had placed a HOLD on a {$200.00} money order. The same created an overdraft. Once alerted, the CSR could not come up with a reason for the hold but immedtately released the hold but held the {$35.00} fee for overdraft.. Today, I was notified that I also had an overdraft. it seems that {$1000.00} that I deposited, also from Money orders from the same tennent that Ive had for $ 10 years, that was deposited and credited on XX/XX/XXXX was now, just today on the XXXX, 9 days later, has a hold now placed on it. I have printed the transaction history showing the deposit credited entirely until today. I normally have mortgage payments deducted around the XXXX of the month, had I not seen this today and printed the same, im sure they would have modified the account to show a different story!!! I believe Bank of America is doing this to scores of consumers all across the United States. 
I will have to scan the transaction history and upload it later. 

I will testify, or assist in any way possible to see Bank of America brought to justice ... 

Thank you XXXX XXXX
Edward Jones XXXX billed my account for {$440.00} on XXXX XXXX, 2016. This charge referenced my dispute with a scammer who XXXX my computer and charged {$440.00} to repair it. They did not. I questioned the charge and received a credit on XXXX XXXX. The Edward Jones Cardmember Service Department reversed its decision on XXXX XXXX. I have written and placed numerous calls to Edward Jones to remedy the problem. They now say they can not initiate an investigation because I questioned the charge after " the 60-day protection period. ''
I have contacted XXXX and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. ASC, is reporting my account opened and Wells Fargo is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.
From XX/XX/XXXX until XX/XX/XXXX I received multiple calls a day from SNAAC in an attempt to collect a debt. Sometimes they would call three or four times a day. They even went so far as to call people that I used to associate with even though I have told them in the past only to call me. These calls are disrespectful and disruptive.
I mailed a {$220000.00} mortgage payment in accordance with the instructions contained within the monthly mortgage statement provided by Dovenmuehle Mortgage on XXXX XXXX, 2016. Dovenmuehle received the check on XXXX XXXX, 2016. Dovenmuehle returned the check on XXXX XXXX, 2016. Dovenmuehle charged me an additional interest of $ XXXXbecause it did not post the payment. Dovenmuehle said it used procedures that were NOT DISCLOSED to me within the monthly mortgage statement.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAYS - XX/XX/XXXX ; 60 DAYS XX/XX/XXXX ; 60 DAYS XX/XX/XXXX ; 30 DAYS XX/XX/XXXX 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.
I have 2 accounts from XXXX showing on my Experian credit report. I had a loan with XXXX XXXX which they sold to XXXX. These are personal student loans not federal which is why they are not consolidated with my other student loans. I had filed chapter XXXX bankruptcy in XX/XX/XXXX and XXXX in XX/XX/XXXX. These loans were included in the bankruptcy but still show on my credit report. The XXXX XXXX loans are gone but the XXXX loan still show and it's hurting me getting a mortgage.
filed a complaint via BBB on XXXX/XXXX/XXXX compang replied that they would be providing validation of debt on XXXX/XXXX/XXXX but as of today XXXX/XXXX/XXXX nothing has been received and collection is still on credit reports
On XXXX XXXX, XXXX, the debt collection agency XXXX XXXX XXXX XXXX placed a derogatory remark on my XXXX Credit Report that claimed I owed XXXX XXXX XXXX XXXX XXXX {$580.00}. 

This charge is alleged by XXXX - which has a XXXX XXXX XXXX in Florida - as a result of a visit by me to the emergency room at XXXX XXXX  Medical Center in XXXX, XXXX, in XX/XX/XXXX. 

I made that visit using my Veterans Administration health benefits card, as vets were told that we could get emergency services at the XXXX XXXX using our VA benefits card. 

Several months after the visit, I suddenly received a bill from XXXX for {$580.00}. When I wrote XXXX to inquire what that charges were for, the response came that it was for services of their doctor during that ER visit. Their doctor took 10 minutes to review my symptoms and wrote me a prescription for XXXX XXXX. That is ALL he did. 

I wrote XXXX and gave them the address for the VA in XXXX to send the bill there. I got a letter of response ( attached ) from the VA saying they had settled the bill with XXXX, and by law, XXXX could no longer pursue any further collection of money from me for that ER visit. 

I wrote XXXX with a copy of that letter from the VA, but they persisted in their collection efforts, turning the matter over to XXXX XXXX XXXX XXXX. Despite my attempts to report this erroneous derogatory remark to XXXX, XXXX XXXX XXXX XXXX continues to refuse to remove this false derogatory remark from my XXXX credit report. 

No further money is owed to or will ever be paid by me to XXXX XXXX XXXX or XXXX as a result of one ER visit four years ago that the VA settled. 

Because of this attack on my credit, I no longer have tried to obtain medical support from the XXXX XXXX and now have to drive 80 miles one way to XXXX XXXX, FL., to get ER support from the VA hospital there. 

That my credit report is still being damaged by this false derogatory claim is an injustice to a US Veteran who lives on a fixed income on Social Security supplement by a part time job at age XXXX. 

I do not owe XXXX {$580.00}. XXXX XXXX XXXX  should be required to remove this remark from my XXXX  credit report and from any other credit report they have attached it to.
Subject : BECU VISA Credit Card Compromised Again My BECU ( Boeing Employees Credit Union ) VISA card has been compromised for the XXXX time in 5 years. This most recent compromised happened despite it being one of the new " Chip and Pin '' cards. Action needs to be taken to better protect us cardholders from credit card fraud and from the enormous, time-consuming hassles to replace the compromised card. 
Each time I 've been hit by fraud I must ( 1 ) get and activate the new VISA card, ( 2 ) switch all my direct auto pays from the old card to the new card, ( 3 ) deal with delinquent payments and late fees, ( 4 ) check all XXXX credit scoring sites, lose my online credit card activity associated with the fraud-impacted card repeatedly. 
I live in XXXX locations throughout the year ( XXXX in XXXX State and XXXX in XXXX, XXXX ). I occasionally ( frequently ) receive phone calls from VISA credit card security questioning recent charges. The XXXX recent fraudulent charges were made in XXXX, XXXX at a grocery store and a convenience store which should have immediately raised flags but did n't. 
I feel I have taken all the recommended steps to protect against credit card fraud, but I am again and again forced to jump through the hoops of compromised card replacement. I use a separate " online '' VISA card which surprisingly but gratefully has n't been compromised. I have the new " Chip and Pin '' security VISA cards. I scrutinize VISA charges. What more can I personally do? 
I am most disappointed that I must repeatedly run this very time-consuming gauntlet to switch cards and that there is no apparent consequences for the perpetrators of the fraud or the businesses where it occurs ( aside from a transaction charge-back ). Should n't credit card companies be required to facilitate the card switching resulting from credit card fraud?
We deposited a escrow refund check into our Citizens checking account. It pended for two days, before the funds were released. Two days later, they withdrew the check without warning claiming it was invalid. Not only did Citizens charge our account a fee for the returned check, but Citizens also charged us overdrafts fees. After calling Citizens ' customer service, the were " kind '' enough to credit the return check fee and XXXX of the XXXX overdraft fees. We lost over {$250.00} in fees that were clearly not our fault. We made several attempts to recover the fees, but Citizens will not cooperate. Their customer service department said they were being " generous '' by crediting the little amount they did.
I contacted XXXX XXXX on Friday, XX/XX/2018 to inform them that my payment in the amount of $ XXXX will be postponed due to a financial setback and that payment would be remitted during the month of XX/XX/XXXX. The representative was combative and said that if a payment was not rendered prior to XX/XX/XXXX that it would be reported to credit bureau. I apologized and indicated it is unfortunate but there was no way payment could be made at that time.

Today, I noticed that they went ahead and processed this payment without my authorization which created an overdraft in my checking account. XXXX XXXX did not have authorization to withdraw this amount from my account.
I have opened a Home equity line with XXXX XXXX on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with XXXX XXXX  but not Home equity line. I have note them my new address at Texas, and they have send me the XXXX XXXX XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their XXXX XXXX XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from XXXX XXXX. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.
Dear Sir/Madam, Last XX/XX/XXXX my daughter XXXX XXXX XXXX, XXXX   years of age experienced XXXX XXXX and XXXX while we were having a 3 day vocation in XXXX XXXX, Nevada. We brought her at the emergency room in a hospital in XXXX XXXX. 
At the emergency room we informed the nursing staff that we do not have a health insurance. We informed them we can only pay the emergency room fees since we do not have a health insurance. 

A practical nurse examined my daughter and gave her XXXX XXXX XXXX. There was no Emergency room physician that examined my daughter and after paying the emergency room fees of US {$600.00} through our credit card we were discharged from the ER. 

However, after 4 weeks a collection agency keeps on threatening us that we need to pay our balance of US {$880.00} for the doctors fee. Even though there was no medical doctor or Emergency doctor that examined my daughter. The collection agency keeps on writing and calling us since last year and threatening us that they will report to the three credit bureau .for our debt collection. I am a XXXX XXXX and my wife is a XXXX XXXX XXXX XXXX  visiting from XXXX XXXX XXXX and we are aware that only a nurse examined my daughter and gave us a prescription her XXXX. 

Collection agency.is making a fraudulent claim and this unfair practices should be stopped and they should be reprimanded for false claims. 

XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are harassing us through phone calls and letters. 
Creditor XXXX XXXX XXXX XXXX Account XXXX Amount : US {$880.00} Service Date XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX
I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with Transunion and 13 with XXXX along with XXXX none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.
I first recieved a call from an UNKOWN number, I picked up and a man answered, when I asked him the reason for the Call he said my name and asked me to acknowldege if it was me. He said he was with a processing company and that they were trying to reach me so that they could serve me with papers for reasons that he was not able to say, he gave me a number to the law firm attempting to provide me with summons papers. XXXX I called this number and gave them the case # that the man had provided, they pulled me up and transfered me to their " Legal Dept '' where a lady named XXXX XXXX picked up and told me about a debt that I had never even heard of. A Wachovia bank acct overdrawn {$1600.00} ... she said if I did not pay that I would be sued and taken to court. She then offerd me a settlement of {$750.00} dollars and asked for my EMAIL so i could send her the contract with my credit card information, afraid for my credit score I complied and gave her my email address, after she said if taken to court that I would end up spending thousands more. I called my father and he immediatley understood this was a scam he advised me to file an FTC complaint and advised me not to send these people a single dollar. I am writing this in hopes that some type of action can be taken against these people to prevent innoncent consumers fron buying into these disrgraceful practices.
( RE : Case Number XXXX, dated XX/XX/2016 ) Have attempted several times to access my account with the company in referenced case number. The error notice I get is " Your account is temporarily is unavailable. Please contact HDFS at extension X-XXX-XXXX. This is the same error notice I have received before and called. However, the recording stated the extensions had been changed to XXXX digits and to remain on the line. I was told there was a legal block on my account and after placing me on hold for a period of time, her response was she spoke with someone there but they were unable to speak to me or remove the block and stated she was having her manager speak to me. 

I 'm a pain, I admit it, but my identity data was stolen recently and I am trying to verify all current accounts ad advise creditors of recent events.
We received letter dated XXXX/XXXX/16 from Wells Fargo that was very general in nature stating a variance had occurred during closing of our loans. The letter did not say what the cause of the variance was or the amount of variance. Whatever this variance was, Wells Fargo unilaterally decided that the correct course of action was to deposit the amount against our loan principal balance without our input, buy-in, or permission. 

Upon follow up discovered that we were charged {$22.00} twice for a XXXX credit report that was either not done or needed. Please see Wells Fargo email dated XXXX/XXXX/16. Conventional wisdom would suggest that over charges should be refunded directly to the customer. At a minimum the customer should have been consulted and asked how repayment should be handled. It is our opinion that Wells Fargo processes in this instance are unfair, deceptive, if not illegal. 

Request : 1. CFPB investigate if the actions taken by Wells Fargo for the overcharge were appropriate and legal. If found in violation please cite Wells Fargo appropriately. The letter of XX/XX/XXXX could and should have been drafted to be more specific than it was. 

2. We are refunded the {$22.00} dollars immediately. While the XX/XX/XXXX email states we will have the refund, as of writing we have not received it. This coupled with XXXX XXXX XXXX teleconf earlier this week whereas he believed it is allowable for Wells Fargo to credit over charges to mortgage principal ( and that he has seen this before ) makes us believe that we may not get the refund. 

3. That we be provided at {$50.00} customer courtesy credit by Wells Fargo for all the problems and time involved to attempt to remedy what otherwise should have been a simple and seamless refund of monies over collected in error by Wells Fargo.
I am just noticing a XXXX monthly fee on my account for Non-Bofa teller withdrawal. I did not withdraw any money nor does it reflect that I did in my payment history. I see that this has happened for over a year and I want my money back and a credit put on my account for every month that you have done this. While you are reviewing my account please go ahead and review any other fees to have accessed and I will do the same.
PNC account wa soverdrawn approximately 1300 $ and I have not been reimbursed for funds
experian has taken too long with their investigation for XXXX ending in XXXX XXXX ending in XXXX also late payment for XXXX mortgage for XXXX 2015 needs to be marked current for XXXX 2015
This account should be deleted because it still reads amount due is " unpaid ''. This debt was paid in full on XX/XX/2018.
The company Credit Management calls in spite of being informed that we have never lived at the addresses/cities in question or had an account with XXXX.
For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they  just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over XXXX XXXX dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection  but have been with XXXX  for 5yrs! I have a first XXXX XXXX XXXX collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts
I have spent a multitude of hours trying to rectify the alleged debt with PRA via online disputing through the credit bureaus and by mailing debt validation letters directly to Portolio Recovery Associates. Recently I mailed ANOTHER debt validation letter on XX/XX/2018 to Portfolio Recovery Associates requesting that they provide valid proof of the alleged debt they say I owe to them. 

I requested Portfolio Recovery Associates to provide me with the following documentation : 1 ) The name and address of the original creditor 2 ) The original date of default or non-payment of the debt with original creditor 3 ) The date the debt was transferred from the original creditor to the third-party debt collector 4 ) The original balance 5 ) The current balance 6 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) 7 ) XXXX XXXX bond information as required by Sec. 392.101 8 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
10 ) Date this alleged debt became payable. 
12 ) Verification that this debt was assigned or sold to collector. 
13 ) Complete accounting of alleged debt. 
14 ) Commission for debt collector if collection efforts are successful. 

To date, all requested documentation has not been provided to me. Portfolio Recovery Associates continues to violate Texas law and provide me with the above requested documents. Furthermore, Portfolio Recovery Associates fails to provide their bonding information as required by Sec. 392.101 which violates Texas Law per the Finance Code which all three credit bureaus adhere to. 

The documentation that was provided by Portfolio Recovery Associates was incomplete and inconclusive. I was not able to determine the TRUE accurate balance, if one is owed, nor was I able to find payment history or any payment made at all according to the printed copies they provided. A complete ledger was not received, only partial statements with various dates. I can not base the accuracy of this debt with partial or missing documents. 

I have tried on several occasions to have this alleged debt verified and validated with hard core proof ( i.e contracts with my signature or a complete ledger of the account history ) Portfolio Recovery Associates have failed to provide either documents to me. PRA has send copies of a statement from the creditor with missing/ incomplete statement page ( s ), no payment history or cohesiveness in the dates of the statements. 

Portfolio Recovery Associates does, however, send me frivolous and vague dispute responses on their company letterhead stating that they have provided proof of this debt or that they need further information from me in order to complete their investigation, but fail to state exactly what information they would need from me as I am the one disputing the debt. PRA continues to report a negative inaccurate and unvalidated tradeline on my a credit report, which is a violation for the Fair Debt Reporting Credit Act. 

Portfolio Recovery Associates is purposely defaming my credit and breaking FDRCA laws which is preventing me from obtaining credit due to g this inaccurate debt reporting on my credit.