WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Readers I am having trouble with withdrawing my funds out from coinbase.com, they are not verifying my bank account and many other people i know, the procedure to verify your bank details is to send them a sepa payment from you bank and when they receive it they will verify your bank within a few days so you can have access to your funds, after sending them a XXXX  bank transfer onXX/XX/XXXXit was credited to my coinbase account the next day, i waited for 10 days then emailed them about why verification not been done, they replied with an automated message that did not have any relation to my problem, so i called them 3 times, 1st time they said wait another day, 2nd time was to send another payment and 3rd time to email my bank statement via a secure site, so i sent another payment which has also credited my account plus sent the bank statement, then waited again for a reply or verification for 4 days and nothing, i asked some friends who also opened coinbase accounts recently and they too are having the same issues. I would like them to either verify my bank details as they promised over the phone or return my funds back to my bank, i would be very grateful if you can help with this matter. Regards XXXX XXXX
I went to Check n Go on XXXX and I was told that I needed to provide a paystub because the XXXX on file was over 30 days old. I complied with the request. I was also told that I needed to provide proof of an active bank account. I showed the representative my my bank account info from my smartphone. I 'm XXXX XXXX. I noticed a XXXX male ahead of me asked for a loan for {$420.00} and he did not have a paystub and he was told that 's ok you do n't need XXXX because the one we have on file is just over 30 days old. He also did not ask him to prove he had an active bank account. I feel I was discriminated against. Everyone should be held to the same standards and practices. I just wanted to bring this to the attention of management to ensure that lending requirement are consistent with all customers.
After applying for a mortgage I found that there is a judgement on my credit report from XX/XX/XXXX. So I disputed it with Experian and investigated it on my own. I found that this judgement was obtained illegal and that the only information on this judgement that matched to me was my name. The address is incorrect and my social security number is not on the judgement. When I spoke to Experian they stated that the judgement has a address I used in XX/XX/XXXX. Only problem is I was residing in the state of XXXX in XX/XX/XXXX not XXXX. so they stated there not going to remove this invalid judgment.
showing that this account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.
This company is in direct violation of 15 U.S. Code 1681s-2 - ( Responsibilities of furnishers of information to consumer reporting agencies ). I was never notified within the allotted 30-days prescribed by the FCRA, in writing, of any negative information ( late payment ) being reported to the XXXX credit bureaus ( XXXX, XXXX, or XXXX ) regarding my account.
My student loans through XXXX are showing that I am delinquent. These loans have been consolidated into a Federal loan service program. Please update this information.
I just need the excessive phone calls to stop, they are XXXX me to the point of feelings of worthlessness and thoughts of XXXX as the only solution.
Sir, It is a complaint general in nature not specifically against XXXX credit reporting company. For the last 5 years or so I have been paying my bills on time, have no debt, no mortgage, am home owner ( mobile home, fully paid ) own my car. But still my credit score is a big factor in being declined for even insurance. I do have XXXX credit cards. Is there any hope for me to get a good credit score during my life time despite my good financial behavior. I am XXXX years old. I would be nice to hear something favorable from you. May XXXX bless you.
On XX/XX/2018, I attempted to transfer ~100k of my membership rewards to a partner airline program so that I can book flights before a significant redemption devaluation that is coming up in a week. I was given a notification on the transfer page that my account is now under review to verify that all of my purchases " meet qualifying criteria ''. I don't have a clue what that means and AMEX has not yet given me an answer. I have spent a significant amount of money on this card under the presumption that I would be allowed to use my membership rewards without restrictions. I am currently unable to do anything with them and I have not been given any answers as to how this problem can be resolved. I am very frustrated with the ambiguity with which AMEX conducts its business and the lack of customer support when issues like this arise.
This is the second time I have request a removal of the fraudulent addresses from my credit report, and stated that I am a victim of ID theft. 
My Name is XXXX XXXX XXXX, please remove any other variations of my name. Please remove the following addresses, I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX, OH XXXX I would like the following phone numbers removed from my credit report as well, they are not mine : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX.
In XXXX I attempted to call Navient about my student loan. I could not find the number so I XXXX it. When I called the number a XXXX XXXX answered the phone and asked me was I calling about my student loans. He may have said are you calling to consolidate your student loans. I told him I was calling to request a deferment on my student loans. He went through the spill of telling me about the federal government forgiveness program. I had heard of it but never checked into it nor read about it. What he told me I took for truth and he told me that the federal government was offering the loan forgiveness program if you qualify. He asked me a few questions and determined I qualified. He told me it would cost {$390.00} and XXXX $ a month for 20 years afterwards the balance forgiven. I told him I had to think about. Up until now I thought I was talking with representative from Navient ; he then told me to think about and gave me the correct number to call Navient. I did not mention this to Navient when I called ; I only ask for the deferment information. After a few weeks I decided to call XXXX XXXX back, thinking he is with the XXXX to start the process of loan forgiveness. Unfortunately after I paid the {$390.00} to XXXX XXXX and was not able to get back in touch with him the next day I felt uneasy. I paid this money on a Thursday, Monday I called Navient to tell them what happen. They inform me that I had talked with a third party company. The company XXXX XXXX is with is called FedLoan Help Center. Navient informed me that they were playing off the name XXXX XXXX with is a legit company they deal with for consolidation and loan forgiveness and is a free service. I have called and emailed XXXX XXXX, no response. I will continue to call the XXXX XXXX XXXX to request a refund, but I have signed papers electronically and I am not sure how far I will get or how long this will take. I am furious that he had mislead me to believe he was with the XXXX and that the Federal Government was offering loan forgiveness for XXXX $ and XXXX $ a month for 20 years and then I would be forgiven for the balance. This company has misrepresented themselves on googled and used wording to make you think they are with the Federal Government and the XXXX.
We completed a previous dispute under XXXX. 
Complaint is about fraudulent debt XXXX that was taken out fraudulently and owed to USAA. Here are the facts of the case. We completed a fraud packet, provided police report, proof of address, identification and a complete history that we had about the fraudster and their address history from a XXXX report and continued fraud claims in victims name. Consumer has been disputing this with USAA since XX/XX/XXXX. XX/XX/XXXX, XXXX stepped in with POA to try to resolve. XXXX resubmitted all documents certified mail for consumer. USAA has acknowledged the proof of the fraudster and their history and and are aware that someone else is using their identification. USAA fraud has had file from XXXX since XX/XX/XXXX has been contacted 15-20 times by consumer and XXXX to try to resolve matter, to which their only response is, someone will look into this and call back. You are never provided any point of contact and often they leave you on hold for an hour. They never call back. They dont investigate and resolve the matter and the debt has been sold/resold to collection agencies. We had one collection agency dismiss debt, but USAA has failed to do so. USAA has had the details of identity theft and alll pertinent documents for more than a year and are violating consumer protection laws. They have failed to discharge the debt. Consumer is getting new calls from new collection agency about debt as of XX/XX/XXXX. USAA is failing to comply with Fair Debt Collection Practices and continuing to try to collect on a fraudulent debt they are supossed to be investigating. The debt remains on victims credit report and from what we can tell no investigation been completed. When the last CFPB complaint was last filled out they sent a Consumer Report Dispute form and we resent all the documents certified on XX/XX/XXXX. It has now been over 60 days and they still continue to report this debt and collect on it. This is not the first case XXXX has had with victims and attempting to work with USAA and the treatment has been the same on the cases.
I had the chase card for approx. a year and a half. Since having the card I had never missed a payment. I had some charges on my account and I was trying to get this resolved from Chase. They automatically cancelled my card and never reissued me a new one because they said I never tried to get it resolved. Every time I has an issue with the Chase card I had to call them and They would never call me ... They told me that they send to a letter in the mail in regards to the disputes. I never got it and I called them asking to please resend the letter ... They never did. They have ruined my Credit score. My score were in the 700 's and now its 500. I filed a police report in regards to  these charges. THEY DO NOW CARE AND they continue to report lates fee 's to all three credits departments. 

PLEASE HELP ME GET THIS RESOLVED ALSO XXXX XXXX is reporting a loss a debt card.. How is this possible.. I tried to get this resolved however the banker misspelled my name on the account and Debt Card. So when I went to address this issue they would not talk to me because my license didn't match the name on the account
XXXX  has been reporting the wrong  1st  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to a ll    XXXX   credit bureaus with no change in it being fixed over the last year. Onl y   XXXX    credit bureau removed   XXXX  of the   XXXX    accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). F or a long time  XXXX  was reporting the wrong history and balances of the accounts since day    one, but t hat was updated last year. I never had this issue with  XXXX   XXXX  as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.
XXXX I never used the card and they closed it without me knowing. I would like them to remove it off my credit I 'm trying to buy a house and this is holding me back
I 've noticed that since I took this loan out, in 2011, I 've only paid {$270.00} in principal. I 've called and emailed to inquire about getting a lower interest rate ( this one is at 7.125 %, yet I have another loan with them at 2.875 % ). They wo n't budge or offer any other help.
I am on a fixed income and have attempted to pay the loan. At this time I have asked them to not contact me through a cease and desist letter. They continue to harass me and my family. I am requesting that they stop the harassment.
On XX/XX/XXXX I purchased an item from ebay.com Marketplace in the amount of {$32.00}. The item was a trunk lid cover for my XX/XX/XXXX Mercedes Benz E320 wagon and according to the seller 's listing, should have fit my vehicle ( see attached ). However, it does not and I do not feel that I should bare the responsibility of paying to send the item back to the seller. I made the purchase in good faith and expected what was advertised. This is false and misleading advertising as well as a common scam with ebay sellers. 

I am still in possession of the truck lid cover as I refuse to pay for shipping to return the item. According to the seller 's ebay ad, he/she assumes all responsibility for their listing. As a buyer, I presume this to mean responsibility and accountability for making statements which are false and/or misleading.
I am a victim in the Equifax hack. I found out on XXXX XXXX 17. I have alerted another credit company to place an alert on my identity. I understand that they are a victim in this too, but they are also responsible for my security.
A debt collection company, Eastern Revenue, submitted a direct consolidation loan application on my behalf without my knowledge. The provided incorrect information to the Department of Education about my employment status and set up an account with the Department of Education on my behalf that I do not have access to. Additionally, they entered me into a payment plan that I did not authorize or was aware of.
Dear, XXXX hospital, debt collector and credit agencies ruin my credit record/financial record. I had a deductible health insurance in XXXX. We have XXXX kids and their primary doctors were from XXXX hospital. We never had issues in 9 years with them, all bill were paid and no obligatory record yet. In XXXX, we had couple emergency visits in XXXX XXXX XXXX and a few doctors follow up in XXXX. I had a total of {$2600.00} deductible/year. Out of that I paid {$1300.00} for my portion and {$1300.00} left in total for family. My son was recommended some therapies in XXXX hospital. The XXXX XXXX hospital used wrong medical code for billing and sent me tons of bills. I had contacted XXXX in their billing department several times and other later on. None of their people helped me. Then I reached to my insurance facilitator XXXX XXXX and that was finally resolved. Later on the primary health care unit of XXXX acquired by CT XXXX hospital. Then our nightmare starts. Newer management start to send several bills without processing through insurance company. I called several times but never worked to my case. I made some payments worrying about bad. At the end of XX/XX/XXXX, I got mails and calls from another fraudulent debt collector XXXX XXXX XXXX, XXXX, CT to collect a {$750.00} & {$120.00} bills. I told them, the insurance records shows that amounts were paid out and asked them to find the reality and send me the final bill if I still owe. They did not do that. At the same time, I reached XXXX XXXX, a broker agency to XXXX who have similar unprofessional XXXX. They changed words and fake report several times. All these agencies put me in trouble and I did not know what was going on. At the begin of XXXX, the debt collector reported my debt to credit bureaus. Then, I called debt collector, hospital and sterling benefits why they did that. The XXXX XXXX told me they paid bill in my daughter instead of my sons account. I already cleared my daughter bills but, the children hospital, CT took money from me and insurance. The XXXX  XXXX Hospital overpaid {$340.00} for XX/XX/XXXXand still tried to collect from me. I paid out the due in my son 's account per their final work. The hospital assured me to send the overpaid money back and correct the credit report. Both things never happen yet. I filed complain in Better Business Bureau, The XXXX & Transunion both show the records deleted from record however, my credit score is veered off and collection record is still there. I never got the money from the XXXX hospital that I overpaid, the XXXX hospital still trying to still me and the hospital along with XXXX XXXX XXXX ( debt collector ) destroys my credit record. It is a big fraud. I am a hardworking of XXXX little children and this fraud destroys family.
I am writing this complaint in order to address a major issue I had with the US Bank. I fell victim to a scam after I had deposited a check and withdrew money orders which was initially cleared from the bank. It turned out the check was faulty and now the bank claims that I owe them the money I withdrew. 

My issue initially began on XX/XX/2017, when I took a trip to my local US Bank and was told that my account was frozen. The problem was a check I had recently deposited. 

Two weeks prior to this, I received a call from the number ( XXXX ) XXXX, claiming I had won a sweepstakes. The man on the other end had said that I had won {$850000.00} in cash and a XXXX XXXX valued at {$60000.00}. He had instructed me to wait for a check in the mail in order to claim my prize. A week later, I received a check of {$2700.00}, which I deposited to my US Bank account. 

After the deposit had cleared, I headed off to my local post office and purchased four money orders of {$500.00} each. I began to mail out the money orders to the respective sweepstake addresses needed to claim my prize. Two of them were mailed out to an XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, NC XXXX, and the other two were mailed to a XXXX XXXX at XXXX XXXX XXXX Wy, XXXX AL, XXXX. 

However after this was done I was told by the US Bank that the check had declined and that I owed them the {$2000.00} that I had previously withdrawn from the money orders. I attempted to call the original number again to fix this. However, I received no answer. I am extremely distraught by this issue and how the US Bank allowed me to send out money I did not have to a scam.
On XX/XX/2018 the Bank of America ( BOA ) debited my checking account for {$9900.00} when presented with a XXXX XXXX : ECHECK ID : XXXX, INDN : XXXX XXXX CO ID : XXXX WEB. On XX/XX/2018 the bank again debited my account for {$9900.00} when presented with a XXXX XXXX : ECHECK ID : XXXX, INDN : XXXX XXXX CO ID : XXXX WEB. 

When I went to reconcile my account on XX/XX/2018 I discovered these fraudulent debits. My account has been closed and a Bank of America claim was made ( Claim number XXXX ). The funds were restored about four days later. 

I have also notified XXXX of the fraudulent EChecks. It is my belief that my XXXX merchant account was breached and this is how the fraudster was able to set up a new XXXX account and draw and ECheck on my BOA account. While I believe that XXXX is primarily responsible for the security breaches that lead to the issuance of these fraudulent Echecks, I am shocked that the Bank of Americas security procedures were so weak that these transactions were executed. 

In over twenty-five year I have never issued a XXXX XXXX ECheck. I have almost never issued any form of disbursement from my account for over {$2000.00}. In fact, the pattern of disbursements month in and month out are virtually identical as to payees and as to amounts. Additionally, the amount of the XXXX XXXX EChecks, {$9900.00} should in of itself have raised a red flag as it is just below the {$10000.00} level which would necessitate special reporting requirements. Given the unusual form of the check, the unrecognized payee and the significant amount of the check, I would, as a bank customer, have expected that some form of alert and verification process been triggered. In the past when I have attempted to make intrabank transfers over a certain threshold ( significantly less than {$9900.00} ) security confirmations via text messaging to my phone have been implemented. Why wasnt I alerted to this highly unusual set of transactions? 

As part of the process of resolving this issue I opened three new accounts with the remaining funds transferred from the compromised account. I have spent many many hours setting up new accounts and changing automatic deposits and payments. The stress and aggravation has been significant. 

My complaint to the CFPB is that the Bank of America has never answered my question as to how such an egregiously set of fraudulent transactions could have been debited form my account in the first place. The CFPB should investigate the utter inadequacy of Bank of America 's fraud prevention systems.
I discovered an alleged collection account with Sunrise Credit Services for {$290.00} on my XXXX credit report this morning, showing an alleged original creditor of " XXXX ''. I had never heard anything from Sunrise Credit Services prior to this report and more saliently, I had n't heard anything from XXXX ( Cable TV ) regarding an outstanding bill, either. I did contact XXXX this morning, and they gave me control no. XXXX as proof that this debt has been paid in full. Further, the representative I communicated with assured me that XXXX would instruct Sunrise to delete this alleged collection account from the credit bureau ( s ).
I was charged a late fee by JcPenney MasterCard even though paid more than the required minimum payment of {$98.00} during the XX/XX/XXXX/XX/XX/XXXX billing cycle. 
The fee was credited but only after speaking with XXXX customer sservice reps and was then told I would still be required to paythe XXXX minimum payment of {$180.00} to satisfy my obligationon or before the next months payment due date of XXXX XXXX. 
This is highly unfair as : 1-My minimum payment for the previous momonth was satisfied and 2-I paid more than the required minimumpayment and 3-JcPenney believed my point to be valid asevidenced by the removal of the {$35.00} late fee to my account. 
I have written a letter to JcPenney about my dissatisfactionwith this incident, which I believe to be deceitful and unfair totheir credit customers.
Apartment Scam-XXXX employs unconscionable practices to exploit Tenants. This is a sophisticated scam to extend the Tenant 's rental term, dramatically double or triple the Tenant 's monthly rent by the use of high pressure sale tactics and written threats by Hunter Warfield to destroy the Tenant 's good credit rating.
I was deceptively charged a fee after receiving a credit report for XXXX dollar. I cancelled the service immediately and Experian did not honor the cancellation. his company was sued before for the same offense and it is at it again. Experian is getting away with deceptive practices and no one is stopping them. I feel that the US government should intervene before many others are being ripped off.
I called them on XXXX or XXXX or XXXX to ask if the account could be removed an the manager stated that he would in fact get it deleted and I would recieve a email in 3 days in which I did not. The last time I filed an complaint you state you listened to the phone call please listen to the ones from these dates because he stated it would be deleted. Thanks alot