WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX 2017 Coinbase enables BitcoinCash trading. The price of the coin was moving up before the announcement. 4 days prior to that Coinbase listed a road map that stated Bitcoin Cash would be available for withdraw only. I was not able to sell my Coins because Coinbase did not enable me or other Customers. The site was down and it is still down. There was no prior notice of this action. The price rose as high as {$9000.00} before crashing to {$3200.00}. But prior to this the price moved up before they even announced it. I feel many users n this exchange have been defrauded by the actions of Coinbase. They have listed a policy of employees trading but there is more substantial evidence that Coinbase is acting to mislead its customers. I want to know why they listed this at a minutes notice. I want to know why it was being promoted heavily and even XXXX XXXX  calling Bitcoin Cash Bitcoin. I also feel listing 2 similar names to be confusing to some. Coinbase has not answered any question of this and I feel they coordinated to collide with others at the expense of their customers. I feel Coinbase is using deceptive practices. I feel Coinbase is using predatory actions and not being truthful with their customers
I have been trying to remove the truncated false accounts from my credit report. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they  MUST be r emoved immediately to avoid litigation  : 1.    XXXX   XXXX    XXXX   XXXX  2.  XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX     XXXX    4 .  XXXX    XXXX    XXXX  5.   XXXX   XXXX   XXXX     XXXX  6.  XXXX   XXXX  7.  XXXX   XXXX    XXXX     XXXX   XXXX  8.  XXXX   XXXX  I have attached the lawsuit to be filed as wells as  XXXX  vs. Equifax  XXXX   XXXX   Case. No.   XXXX  to show precedence to the court on the same violations I am seeking. I am not seeking monetary relief. I am only seeking the removal of the above accounts from my credit report as well as the unauthorized release of my credit report to the following companies : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  2.   XXXX   : :  XXXX   XXXX      XX/XX/XXXX   3.   XXXX   XXXX    XXXX     XXXX   XX/XX/XXXX  4.  XXXX    XXXX   XXXX  :   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX  5.   XXXX   XXXX   XXXX    XX/XX/XXXX  6.  XXXX   XX/XX/XXXX  If these accounts are not cleared immediately, I will be forced to file the lawsuit attached forthwith and seek punitive damages as well as violations of the FCRA Section  623 including Defamation and willful injury at {$1000.00} per violation. May I also remi nd you of  XXXX ,  v.   XXXX   XXXX   XXXX   US , Court of Appeals  for the  XXXX  Circuit  Court  Case  XXXX   XXXX   XXXX ,    XX/XX/XXXX ,   Filed (  XXXX   XXXX   XXXX  )
Pinnacle told me to not fight this anymore cause they day account is mine I have asked them to send assigned contract to prove its mine same response every time they have over XXXX compliant online needs to have something done about it they threatened me when I called
An account was created in my name on XXXX, afterwhich merchandise was purchased using the easypay method. I did not do this. However after the bill was not paid an invoice for {$15.00} was sent to my father 's house. ( I currently live abroad ) The 1st letter I received was on XXXX letterhead however there was no account number. I assumed the letter was a scam and did not take action. Later, another letter was sent to my house, this time from GC services, a collection agency. As I no longer live in the country, I was very surprised to find out a XXXX account was made in my name. In total I received two letters from XXXX. XXXX had no account information and the other did not include a date. This to me seemed very unprofessional and I thought it was a scam. What kind of a company sends an invoice without an account number?
Nationstar Mortgage has not been posting and keeps correct recordkeeping of my monthly payments. As early this year ( XX/XX/XXXX ) I faxed proof of XXXX payments that had not posted of cancelled checks that was cashed by Nationstar that was not posted or counted for on my account. They still have not corrected the issue as of yet. My bankruptcy attorney ( XXXX XXXX ) has also contacted them to help clear this issue. They have added money into the escrow, which did not need to be added. I have been in the process to sell my house all year. I keep getting final payoffs with additional things applied and several different explanations from their employees about the final payoff. I had filed bankruptcy chapter XXXX in XX/XX/XXXX which my house was not included in the case. I am getting explanations from Nationstar that the trustees has a hand in this. Also my attorney tried to apply for a short sale on the property. They kept saying they did not get documents, in which the short sale was done through the equator system by my attorney. Nationstar did not inform us that were denied until I called them. My attorney has clarified it does not have anything do with me filing bankruptcy and it does not show in the XXXX system that the house is included in my bankruptcy I am very frustrated because I stop mailing in checks and have been calling in my payments bi-weekly with adding an additional {$19.00} to make sure the payments are posted. Nationstar does not keep accurate records of mortgage payments being made and do not follow-up conversations to help you out. The same person does not resolve or help you with your issue. They had disconnected me several times to come back to the phone and help you out. Very bad customer service helps when trying to expedite and resolve an issue. All I need is to get a correct and reliable payoff statement so I can sell my house. Please help me I am stressed and tired of calling and explaining this same issue for months. They full of not telling the truth about your account.
I agreed to a payment plan with AR resources Inc. starting in XXXX XXXX to pay a monthly payment of {$20.00} per month for XXXX XXXX XXXX Medical Center I have paid consistently to date I have paid a total of XXXX XXXX, XXXX {$400.00} however, I sent an email to AR resources on XXXX XXXX, XXXX requesting my new account balance and an explanation of charges I have not heard an answer. I
XXXX XXXX is showing on Supplemental Public Records & Residential Information is showing I did not apply or sign any documents applying for credit in any way as showing on my credit  File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXX on promotional and information.
I RECENTLY CHECKED MY CREDIT AND NOTICED A XXXX XXXX XXXX SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED XXXX VERIFIED ITS MY ACCT SO I CALLED XXXX TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER .. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Managing the loan or lease
I want to express my disappointment with PayPal Credit and worried that they have my personal information with their horrible record keeping system. After about 4 months of going back and forth about my application. I was originally denied in error back in XXXX, but after I called to clear this up they submitted a manual applciation. Ever since then it was diificult reach an operator who would give me an update of this " manual application. '' Today I basically felt I was brushed off by a PayPal Manager and the Supervisor, XXXX XXXX, who just wanted me to go away and stop bothering them about this application that everyone told me was pending. They now tell me it was no approved but that it was for Credit reason, even though I was never informed, even though every operator I spoke to since XXXX has told me they will inform me by email and a phone call. 
Now I see that I was never going to be informed. I usually have an extremely high credit score, so I do not understand the reason for being denied for " credit reasons. '' I felt worthless by these operators, Manager, and Supervisor of PayPal Credit. 
I always tried to be understanding and courteous, giving plenty of days/times for them to get back to me on my application. But I was no met with the same respect. Being told by phone that my application was straight out denied after 4 months, with them submitting about more XXXX applications after XXXX taking my S.S. and income for nothing. And apparently I was never going to be informed, I had to call, again, to get this disappointing news. 
This has left me to believe a completely negative aopinion of how PayPal credit works, how their applications are run, how they hurt my credit score, and I am worried that my informaiton will be leaked by fraud with their weak record keeping. 
I hope this is addressed. 
Thank you
There are multiple concerns but will start with XXXX. Although XXXX XXXX XXXX took about 7 weeks for researching my case, the research proved to be inadequate. Capital One agreed that I paid for credit card protection plan for unemployment and XXXX reasons. I became unemployed.Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed XXXX. Capital One made monetary restitution but has not removed the lates. The representatives were more interested in hounding for payment instead of applying the protection benefits. 
Therefore, the issue at hand is Capital One credit Card Protection policy.
My credit is lower than expected. I have paid all my bills on time and for my credit score to be in the 500s is ridiculous How much credit i have should not impact my score that significantly when i pay my bills on time.
I bought my house in XXXX of 2018. It was an FHA XXXX. I paid XXXX for the house and was given XXXX in seller assist. Total of XXXX. My mortgage person, XXXX XXXX, referred a contractor for the renovations. JC construction that charged me XXXX. My mortgage should be for XXXX but it is XXXX.When I asked him at closing about the difference he said that XXXX XXXX ( the XXXX lender ) adds a percentage to the contractors estimate just in case it is needed. I later find out that it was only 15 % of the XXXX. I was also told by XXXX XXXX that my loan didn't close as an FHA mortgage even though I had to do an FHA XXXX because of the condition of the house. I have reached out to XXXX many times. I finally got a call back after I called his office manager XXXX. Then I got XXXX 's assistant who had no idea what was going on. {$9000.00} is a lot of money over 30 years and I'd appreciate some help in getting me these answers.
The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
1. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
2. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
3. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
4.XXXX XXXX XXXX : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice.
I had a debt with XXXX XXXX due to an car accident which took place in XX/XX/XXXX. In XX/XX/XXXX, I was notified that my license was in the process of being suspended. I set up arrangements with Seqouia Financial in XXXX XXXX, CA. I initially paid {$200.00}, and agreed to pay {$100.00} a month until paid. In XX/XX/XXXX, I was laid off and began receiving unemployment in XX/XX/XXXX. I made the required payments until my unemployment exhausted in XX/XX/XXXX. My loan recently defaulted and I was told my license would be suspended on XX/XX/XXXX, during a routine traffic stop. I had not been receiving mail because during my layoff I had to move with my parents. On XX/XX/XXXX, I spoke to XXXX XXXX who stated he would reach out to his manager to see if my payments could be reinstated. The following day I spoke to XXXX XXXX, and I provided him with a {$100.00} payment. He then said he was 99 % sure he could get his manager to resubmit a promissory note notarized by Sequoia. I explained I wanted to do arrangements, and that I needed to avoid suspension in order to continue driving 2 hours each way to work. Otherwise, I am unable to get to work and will not have funds to pay. He agreed to speak with his manager. I waited two days with no response. I then spoke with his manager XXXX who totally violated the FDCPA. He barely listened said he would speak with his manager who never let me speak with, and told me if I kept explaining my situation he would just say no. He told me he wasnt the one who smashed into a parked door. He proceeded to tell me in a later conversation that he would only accept a {$700.00} settlement and would not work with me to keep my license. He placed me on hold without annoucement. He lied like XXXX XXXX makes the rules on how they handle default, but after speaking with XXXX XXXX they are saying its the collection procedure which govern how the debt is collected. I am being provided false and misleading information, while being belittled. As I stated to them, I called willing to pay but I am being treated with ruthless collections tactics. Also, I asked for contact for escalated complaints and was told the owner at the address ( he did not provide an actual name or address ), the parties dodged actually giving me concrete information to file a complaint with the company.
I have contacted Trans union credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied Trans union with documentation from the company, by the name of   XXXX   XXXX   XXXX  . I submitted to Trans Union a letter that stated they are not able to provide proof of debt because they have no records of me on file. Trans union has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to Trans Union as well as submitted to them all correspondence letters between my self as well as   XXXX   XXXX  . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX .2017 and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and deleted.
RE : Unverified inaccurate items : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been back and forth with Transunion and XXXX for several months about how they continue to report incorrect information that does not reflect my true accurate credit report. I have supporting documentation from XXXX where I disputed several items ( XXXX XXXX ) that were being incorrectly reported and XXXX ; s completed investigation results came back that these were unverified accounts and they were deleted from my credit report. I also sent Transunion and XXXX a dispute as well around the same time disputing these incorrect items. Their investigations came back Verified. When I sent another letter asking for their verification process method with detailed questions that I wanted answers and documentation proof ; I did not receive anything from Transunion and XXXX. Yet til this day Transunion and XXXX are continuing to report these inaccurate unverifed items on my credit reports. I am uploading supporting documentation from XXXX  showing that these items were deleted because they were unverified and inaccurate. Transunion and XXXX need to follow suit and delete the abovementioned incorrect items from my credit reports immediately.They must be removed in order to show my true credit history, as these items should not be on my credit report Pursuant to the Fair Credit Reporting Act. I expect this to be completed within 30 days.Please send me an updated report as soon as soon your investigation is complete.
I hired a lawyer and sued XXXX XXXX XXXX XXXX for knowingly and falsely providing false information to PDM to provide to creditor reporting agencies. I provided proof that their information was erroneous and I exhausted every possible effort to resolve the matter with the XXXX XXXX XXXX, before suing them and securing this final judgement ( attached ), from the XXXX XXXX XXXX XXXX of XXXX XXXX, TN, against them. The information they issued to credit agencies against me is erroneous and I am requesting that this information/trade line be immediately removed from credit report/file. *Finally, please file this judgement against the XXXX XXXX XXXX.
I am victim of identity thief and have a police report due to the fraudulent activity on my report..there is a account being reported on my TransUnion report by XXXX XXXX XXXX that is not mine..This account was closed but is now being reported as open as of 2 days ago..I have tried repeatedly to get this account removed by XXXX XXXX XXXX to no avail..
About 3 times a week for the past several weeks I have been receiving calls from different numbers that all claim to be Premier Portfolio Group. I never answer the call and the voice message is always the same pre-recorded message saying that I need to call them back regarding a bad check that was cashed in my name. It is an obvious scam as none of my financial records indicate any such transaction. I called XXXX the numbers and spoke to a female. I demanded that they remove from phone number from their list and not to call me ever again. Not 30 minutes later I received a call ( always from a different number with a different area code ) and the message left was the exact same one I 've been receiving this entire time from " Premier Portfolio Group. ''
I set up 4 accounts for my children, 2 youth savings and 2 youth spending. I transferred funds from the same bank into the new accounts. I have only had access to one youth spending and 1 youth savings. No statements were provided online or USPS. The original transfers took place on XX/XX/2017. I have spent over 40 hours on the phone with the banking institution and they still have not resolved the matter. We are missing a total amount of {$950.00}. Over the last year of numerous phone calls the bank has informed me that the money that was transferred has been spent and the account is now closed. I have a claim number and proof of transfers. Per federal guidelines I am understanding that some type of statement needs to be delivered and or I need to have access to a minors account which I have not. The banking establishment is USAA.
Back inXX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports onXX/XX/XXXXbut not all 3 credit bureaus have added the above creditor back on my credit report in XX/XX/XXXX
Wells Fargo cancelled my debit card and I did n't know and never received a replacement card. I found out when I was at a gas station fifteen minutes from my house because my card would n't get approved. I called in to Wells Fargo and they said there was nothing they could do and told me to go to a physical location to get a temporary card ( which I could n't do because I had no fuel ). Because of their actions I missed a meeting with a very important client who might not do business with me now. I also had my screaming XXXX stuck at this gas station unable to leave or get her anything.
I have Written TransUnion Several Times via Certified Mail. Regarding the accounts in question.XXXX, XXXX, XXXX, XXXX. These accounts in question have came back Verified but verified with NO documentation within a 30 day period.
In XXXX 2017 by balance was XXXX. I sent Capital One a payment of XXXX dollars. This would bring by balance owed to XXXX. I then noticed charges that brought by balance over my card limit to XXXX!. I contacted them and my card was refunded to XXXX. I requested a check not thinking much of it because I figured they new what they were doing. By balance then increased up to XXXX, then down to XXXX, now its back to XXXX. Over 10 hours on the phone and I am still not done with this, I since sent tin payments of XXXX, XXXX, and now XXXX to cover what I do owe them. I don not want my credit ruined but I also should not have to pay any more for there mistakes.
I went into Check Into Cash of California, INC On XXXX XXXX, XXXX to get a loan I was approved for cause online said I was approved when I did my application and to go to the store I have the email to prove this while at the store they said I had took out a loan in XXXX which I never did and it wen to collections so I called the number they gave me called XXXX XXXX and said its no longer their this is what the office told me but I further investigated and told them I never lived XXXX XXXX I lived in XXXX and I found record the corelogic/fronthit and saw this loan is XXXX XXXX XXXX in which they misrepresentation saying I was approved wasted my time and mislead me to believe I was approves this loan was in XXXX XXXX XXXX # XXXX they should not mislead consumer to get up dated information and prey on vulnerable people needing help this old account was off my credit charged of on XXXX XXXX, XXXX