WillisBack/dataset-financial-user-claim huggingface dataset:
I create a account with coinbase on XXXX/XXXX/XXXX I bought : " XXXX bitcoin '' worth XXXX dollars And i also bought " 2 ''  ethereums worth XXXX dollars And for some reason since the first day they transfer the money from my bank to coinbase account I was not able to sell pr buy more of any virtual currency ... i kept trying and trying and nothing Finally I called them up to this phone number XXXX ( XXXX ) XXXX and talk to them about the problem on tuesday XXXX/XXXX/XXXX They told oh its okay we are going to guide you to the process to make a new account ... and they start " guiding " me to send my funds ( by this time my funds where XXXX dollars for bitcoin funds and XXXX dollars for ethereum ) to my " new '' account and then after i sent my funds where they told me to do so.. they say in a few hours we are gon na send you an email with the link to your new account ... 
I say ok .... 
And like 2 hours later the same guy that helped me ( XXXX XXXX ) called me up from this phone number XXXX XXXX XXXX XXXX XXXX asking me if i received that email ... i said no not yet ... then he said ok you 'll receive it shortly .... 
i called him an hour later asking him about that email, he said just call me tomorrow because our services hours are out ... 
I called him next day asking him about the email he said that he didnt remember me ... start asking my info .. i gave it to him ... and all the sudden he hang up the phone ... i tried to call his number and the line didnt ring at all ... after that i call him on the other phone number ... same guy answers and I say heyy what happened to the other line? He said that line was down .. i said ok well explain to me about my new account ... he said oh my manager will talk to you about it ... i start talking to the manager he said for me to be able to open my account i had to deposit XXXX on my coinbase account .. i said i dont have that money ... he said ok well then you wont be able to recover ypur account until you deposit XXXX and hang up on me .... after that he texted me from this same phone number that i will receive that email in 48 hours .. i havent received any email and i try to call him several times and it seems like they blocked me ....
I have disputed this issue with the other credit reporting agencies as well as TransUnion and only TransUnion has failed to remove this erroneous and derogatory notation from my credit file. TransUnion seems to be all talk when it comes to " reinvestigating '' problems with credit files as they have assured me twice now that this would be reinvestigated and that I would be contacted by mail and neither has happened. Both XXXX and XXXX have done both of these and have resolved the issue by removing this creditor in full from my credit file. I need for TransUnion to followthrough with actions and deeds and not just empty words saying they will do what they seem to be unable or unwilling to do.
XXXX XXXX has acted in bad faith in violation of both California law as well as Federal law by illegally retaining my security deposit and deducting expenses without providing valid documentation. The debt Fair Collections and Outsourcing ( FCO ) is attempting to collect on their behalf, {$610.00}, is invalid. 

I sent the attached letter by certified mail to XXXX XXXX detailing that they were in violation of California law and had not provided me with any receipts detailing the deductions taken in compliance with their obligations as a landlord. I also explained that any further action taken to collect or retain my deposit would be considered as being taken in bad faith and that they would be liable for enhanced penalties, attorneys fees, and fines should further legal action become necessary. After XXXX XXXX received the letter on XX/XX/XXXX, they stopped responding and refused to send my security deposit refund as required. Several months later I was contacted by FCO and notified that this illegal and alleged debt owed by me had been referred to debt collection in bad faith, thereby placing them in violation of the FCRA. 

In addition to the issues stated above, I also dispute the charges listed as being patently untrue and blatant attempts at scheming more money out of their tenants. For instance, the move in sheet provided in the documentation sent by FCO clearly states that the apartment was in an unclean condition at the time of move in, XX/XX/XXXX. This sheet was signed by XXXX XXXX acknowledging the condition at the time. Therefore, as required by California law, I am required to return the apartment in the same condition received, minus any normal wear and tear. The carpets were in great condition as evidenced by the move out inspection conducted by XXXX ( head maintenance employee ) as well as the apartment in general. As for any stains or damage to the oven range and the refrigerator, the maintenance records retained by XXXX XXXX, which they refuse to provide, clearly show that these units were old replacement units brought in mid-way through my tenancy since the original units were broken. These units came with stains and damage already on them and this was acknowledged by both XXXX and XXXX, employees of XXXX XXXX. Lastly, the bill for XXXX is incorrect and should not have been deducted from my security deposit.
Citizens Bank allowed someone to cash a forged, year old stale check for over {$1000.00}. This person continued to cash stolen and forged checks until my account was wiped out. Had Citizens Bank exercised proper care, the theft would have been caught early. However, they continued to cash fraudulent checks until there was n't any money left. XXXX times the amount of the check was over {$1000.00} and six times they failed to verify the signature. I have copies of Citizens Banks own policies regarding cashing checks : they wo n't cash checks over 6 months old, and they require signature verification on checks over {$1000.00}. 
I usually only wrote a couple checks a month and my handwriting is consistent. This person would return to the same location day after day, sometimes cashing multiple high value checks ( {$500.00} and above ) at different locations on the same day, and no one at Citizens raised a concern. 
When I realized the theft and forgery had occurred, I contacted Citizens immediately. When I contacted them, I had {$15.00} in my account. I was told by Citizens that my account was frozen due to the fraud, and no money would be allowed to be charged/withdrawn. Citizens continued to let charges go through until my account was negative, and then charged me ridiculous overdraft fees. Citizens has threatened to negatively affect my credit score as well because of the negative balance. I was informed that according to their policies, I would immediately be refunded the last 30 days of fraud. That was last XXXX 2015 and I have yet to be refunded anything. 
I have repeatedly contacted Citizens Bank and demanded my money back and they are giving me the run around. I am a single mother and I worked hard for my money. They allowed over XXXX obviously forged checks to be cashed on my account and wo n't take responsibility for failing to follow their own internal procedures and provide a reasonable protection of my money.
I asked for a payday loan on XX/XX/XXXX, I WAS NOT INFORMED THAT THEY WOULD RUN A CREDIT CHECK, I have A HARD inquire on my credit file. 
The monet was deposited to my checking account on XX/XX/XXXXAND THE WITHDREW XXXX onXX/XX/XXXX the loan was paid in full! 

But to date, the account XXXX shows as having an outstanding loan, I have a copy of a chat, on XX/XX/XXXX an email sent onXX/XX/XXXXanother chat XXXX ... and went to the local store ... nothing but the run around .... 

I am asking that they CORRECT, their database ... I paid the loan IN FULL XX/XX/XXXX 

Thank YOU
In  XXXX  of  2016 we found  out we had a delinquent  XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XXXX  's payment. The  XXXX  payment made the  XXXX  's payment and now I was late  XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XXXX   XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made  2  payments to  XXXX  at this time.  One  check for  XXXX  and the other for the missed payment. At this time I asked them if they could please contact the majo r Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX   XXXX    stating the payment was sent on  XXXX / XXXX /   16 makin g  XXXX  's payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with   Credit Reporting Companies.
These inquiries below are not authorized by me.

XXXX XXXX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX, I made a 1 time payment around {$510.00} to Citi Mortgage using the Citi Mobile application for XXXX. The mobile application allowed me to transfer money from my Citibank checking account to my Citi Mortgage account instantaneously. 

On or around XX/XX/XXXX, I checked my available balance using the Citi Mobile application, and noticed that my available amount was much more than I thought it would be. I then looked at my recent transactions and noticed that my Citi Mortgage transfer payment was not listed. To avoid making a duplicate payment and or to confirm what the mobile application was showing, I called the Citi Mortgage payment department. The Citi Mortgage representative explained to me that the Citi Mortgage payment was also not showing on his end, so I went back on the application and repaid.I contact Citi Mortgage to explain what occurred, however they explained to me because the payment only reflected the payment on the second attempt that my payment will appear as late on my credit report. 

I tried contacting other departments such as Citi Executive Unit, Citi mobile application department, who both were able to retrieve the information of when I logged on to the Citi Mobile application on the date of my first payment attempt on XX/XX/XXXX. Even with these details, Citi Mortgage have refused to remove the late payment credit reporting due to the mobile application glitch.
TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX credit card accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.
Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement is not always practiced. Equifax deleted XXXX XXXX XXXX Account between XX/XX/XXXX and XX/XX/XXXX and then reinserted it without notifying me ... then between XX/XX/XXXX and XX/XX/XXXX they removed the negative remarks, but then reinserted it again without notifying me once again ... this is against FCRA law ... I disputed the incorrect info on my report and they removed, but put it back on report illegally ... I want it completely removed, and possible compensation for violation of law and my rights ... and I am yet to get anything in writing about investigation ... instead I have seen everything on-line in which I did not consent to on-line results ...
I advised that I was unaware of debt. Notified it was a mistake on XXXX. I have an account in good standing with them. Told them I would resolve the issue and was told they would take me off of call list. They r now calling over 5 times a day on my home phone.
A message was left on my answering machine from " XXXX XXXX '' ( XXXX ). The message said they are a debt collection agency, and to call them. Why is it my responsibility to call a company that has inaccurate and sloppy information? How many times has the company contacted me, and in what manner? 

I owe no debts. I have not received correspondence stating that a debt is owed. 

I would like an explanation from the company explaining why they are harassing me. Additionally, who owes the debt they are calling about, what is the amount, and when was it incurred. 

Where did the company obtain my private telephone number that I have had for over twenty years.
I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX, 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements and tax liens must contain minimum identifying information. they could not tell me how they verified the information.
I have been in communication with regional acceptance corporation almost ever month to get an accurate statement and to find out what's going to interest and what to principle. I have spoke to XXXX XXXX XXXX in the XXXX office on several occasions and I feel like less of a person after being verbally abused by XXXX. I've asked several times for a principle and interest breakdown of my payments. Also I keep getting robo calls from this number in which I did not give permission XXXX regional acceptance on dates XXXX XXXX and XXXX at XXXX and XXXX. The principle amount has not dropped on XX/XX/2019 it will be 2 years of payments made.
I went to open account at XXXX XXXX tried opening online it said congratulations they sent my card I went to bank was gon na make deposit said they closed my account it was on early warning got in contact with Wells Fargo they told me someone opened account under my name Now I cant open bank account never called back never took me off list Now what shall I do XXXX XXXX XXXX XXXX XXXX
my father left me life estate in XXXX texas. my father XXXX XXXX onXX/XX/XXXX I keep paying the notes on time to citimortgageinc loan number XXXX in my father name XXXX XXXX onXX/XX/XXXX I revived a letter from citimortgage inc that said they no longer can except payment and that they close my father account due to him being XXXX  and they going default forclouser and they ask for full payment of XXXX dollars. they hired attorney and he file probate of beneficiary in XXXX county texas court in XXXX texas I called the court ask them why they did probate of my dad estate when I was name in court before my dad XXXX XXXX.the court did transfer the deed in my name upon XXXX of my father.the mortgage company told me I could n't get remodifaction loan or make payments they told me they was going sue me over my mortgage loan and forclouser they told me this onXX/XX/XXXX the the mortgage company give my dad bad loan they commiteethe acts of threaten me with lawsuits and closing his account due to XXXX and not letting me make my payments.I want them fine again and there banks shut done from doing mortgage loans.they are doing mortgage fraud practices.
I had a XXXX account and cancelled it because I have a identity problem that I am closing accounts that I don't need. I started cancelling accounts and XXXX wants to charge a convenience fee. This a unfair charged that I don't agree with all the fraud happening today I don't there service nor want it. I am retired and will now will do my shopping at the XXXX, XXXX. Thank you for your time in this matter.
Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.
My account went over XXXX in overdraft fee for charges that processing on my account before XXXX electronic checks were charge to my account. When I went back to take a look at my account I notice that the items that was in my account process somehow came out of a negative charge balance on my account. When the XXXX checks came into my account my account had fund in it with XXXX items processing. Overnite I check my account and XXXX elerctronic checks that came into my account somehow was processing and the items the was slide using my debit card was in the negative status and not the XXXX checks. I called and ask the rep on the phone what happened to my surprise the rep stated that the checks camae in before the items that I slide on my debit card going back and forth with the rep stating that was not true that rep became to tell me that is how it goes. Then I asked how was I charged XXXX overdrafted fee I thought I was only charged XXXX fee and then after 5 days I would have another XXXX added if that XXXX was not paid for. He then told me no bank of America charge you {$35.00} per item by government law. I then let the rep know that I have had this account for sometime and there has never been over draft fee on my account like this. So then I check my account on the 3rd day of overdraft and seen there was a 5 day over draft fee add and then another and then another. I called the bank the rep said that is right and there is nothing I could do about it. Now my account is XXXX in over draft fee with my account went negative on the XXXX of XXXX. I ca n't take this anymore I have been paying fee more than using my account. I do n't know what is going on but I need to report this because there is something seriously wrong with there system with charging these fee incorrectly to the consumers account.
I was a victim of identity theft XXXX XXXX An account with XXXX XXXX was opened 3 days after we filed a report, but I was not notified of anything until a collection agency contacted me in XXXX XXXX. I called XXXX and was told they would take care of it. XXXX XXXX a XXXX collection agency contacted me. I again contacted XXXX and sent the information they requested by e-mail and received an e-mail in reply XXXX/XXXX/XXXX I received no further contact until XXXX/XXXX/XXXX when a XXXX collection agency contacted me. When I asked XXXX why the debt collection notification was the first I knew about the account they told me the original address was in XXXX XXXX XXXX. I live in XXXX. They could n't tell me how they then got my correct address. My husband and I have done everything to ensure that the identity theft was reported correctly and I know the FTC was notified also. I do n't understand why XXXX thinks that we will pay this bill.
LVNV Funding who has their debt collection conducted by Resurgent Correspondence Has illegally re-aged the debt on this account. This account was first delinquent in 2009 and is due to come off credit report this year as it is past the 7 year mark.
I recently checked my credit score on XXXX XXXX. I noticed my score decreased even though I haven't applied for any loans credits cards ect. The website advised me I currently had a hard inquiry in my file. When I checked to see what it was for this came up Institution Information XXXX/XXXX   XXXX, FL XXXX. I tried to call the number to speak with anyone about this but no answers. I wanted to make sure my information hasn't been stolen. Agian I have not applied for any loan credit cards or anything like that so not sure what this is. Please contact me when you can my email is XXXX XXXX
On XX/XX/XXXX my wife sent a same day wire from XXXX XXXX XXXX to Coinbase inc. in the sum of {$15000.00}. XXXX XXXX XXXX emailed a confirmation of successful send of wire. 

Attempted to contact ~20times XXXX and Coinbase customer service via email, support email, twitter, and phone. Coinbase responded ONE time on XX/XX/XXXX with an automated response not pertaining to my issue. 

Name of Coinbase account is seperate from Wife 's bank account name. This may be causing the issue. If that is the case, we need a resolution to the funds.
I received a XXXX credit card statement in late XXXX 2015. The balance on the statement was {$430.00}, with payment of {$25.00} due on XXXX XXXX, 2015. I was away on business travel at the time the payment was due, returning on XXXX XXXX. I paid the bill in full electronically on XXXX XXXX 2015. I then received a new bill for a {$25.00} penalty, then XXXX for {$50.00}. I now have a bill for {$120.00}. It is in no way fair to be penalizing me for paying off my balance 4 day past the payment due date. I asked the credit card company, CITI, to clear the penalties and they refused.
Care Credit / XXXX XXXX have reported false information on my report. I paid this account off in full and was never late. They reported inaccurate high balances, as well as saying I was late. Even though I was never late the entire time I had the account open. As soon as I discovered what was happening I paid the account in full and will not do business with them ever again. They are still reporting a high balance and I paid it in full.
Company has no contractual agreement with me. I have not heard of company and do not consent to their interference and disruptive practices. Company refuses to provided proper validation pursuant to law. Was forced to make payment in order to stop harassment, while seeking litigation. Company still harassing despite payment and request for validation. When verification was repeatedly requested the company sent a statement of account with no verified information pursuant to [ Section 609 ]. ( see uploads )