WillisBack/dataset-financial-user-claim huggingface dataset:
Hello On XXXX XXXX, 2017, I transferred from my account at Coinbase the amount of EUR XXXX to my bank XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX. To this day, the money has never arrived. I have written to Coinbase support several times and called by phone. They recognized my problem, but do not respond further to my emails or calls. Every time they say the same thing : they would try, but nothing is done. I do not know what else to do. Could you please help me? 

Kind regards XXXX XXXX XXXX XXXX XXXX XXXX Tel. : XXXX Email : XXXX
Bank Of America Had Given Me Inquiries Reported To XXXX That Were Not Authorized By Me. On The Following Dates -- -- > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,
I wanted to dispute charges on my debit card with Bank of America. I was told that the only way to do this is via telephone or by physically going to a banking center. As I am XXXX and do not use a XXXX, I am not receiving the same level of service ( or even close ) as I am denied the ability to dispute transactions without enduring XXXX. This is not the first time Bank of America has denied my reasonable accommodation requests. They still have not addressed my previous complaints.
On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on XXXX XXXX and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter. 
Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report. 

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of best buy and who i trusted with the information that was given to me. I did end up getting the XXXX computer at a later date which was my intention i send a copy of the receipt. 

It would benefit both the company and the customer best interest if best buy could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit best buy when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with best buy any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made. 

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as best buy could fulfill the request of their customer and to rebuild that relationship with me.
As a past small business J. P. Morgan Chase Bank customer, I recently received a XXXX check which likely cost other bank customers at least {$50.00} in administrative handling. J.P. Morgan Chase Bank need not be accountable for this bizarre in wasteful behavior. As a business customer J.P. Morgan Chase Bank would regularly place a hold on monthly deposited check so to predatorily collect over the years ( e.g., XX/XX/XXXX to XX/XX/XXXX ) hundreds of dollars deducted expectantly. This is now expected classic behaviors of JP Morgan famous parasite on the commerce of Science & Technologies ( e.g., XXXX XXXX ), and the middle class in the poor ( e.g., USA DOJ XXXX XXXX slap on the wrist exposing their predatory subprime lending practices of unloading high interest mortgage backed securities ) for their share of USA tax payers {$780.00} Toxic Asset Relief Program Bail out! '' With the way JP Morgan Bank handles money of the USA tax payers there a joining public consensus hot to trust them with a XXXX.
I have contacted XXXX XXXX by phone several times and they will not speak to you. I have sent 2 certified letters to XXXX and they will not respond or provide proof. they have now assigned the account to XXXX different collection agencies. Each agency finds the debt is NOT mine and returns to XXXX. 
XXXX claims I owe XXXX {$1000.00}. They placed on my credit report on XX/XX/XXXX. They, XXXX, or there debt collecting representitives can not and will not provide me with proof of debt owed. 
Amazingly enough, I have been on contract with XXXX since XX/XX/XXXX and currently still am. XXXX or any other company would not enter into another contract If you owe money to them. The XXXX credit agencies keep removing XXXX from my credit report and XXXX keeps putting it back on. This has been going on for about 9 months. This must stop. Provide proof or remove from credit and keep it off
I have a charge on my statement from XXXX XXXX for {$14000.00} dated XX/XX/XXXX. this transaction is fraud and I reported this charge to chase as fraud by phone, and again by a letter. At first Chase gave me credit for this transaction in XX/XX/XXXX, but later Chase made me crazy, dragged the process and ultimately they closed the case and rebilled my account without merit.
The Equifax credit report linked to my ID is not mine. On XXXX XXXX, XXXX, I enrolled in TrustedID XXXX because my account was among those hacked, according to the Equifax online tool. I needed to enroll over the phone because the security questions presented to me about my credit history did not pertain to me, I could not answer them correctly, and I was locked out. I was able to enroll in TrustedID by answering questions over the phone. I then logged in to my credit report through TrustedID and learned that nothing in the credit report was correct. It was the report of someone else. ( How could the Equifax agent enroll me in TrustedID since my oral answers did not match information linked to my account? ) I froze my credit linked to this account, but it is a fake account. My actual data is unprotected somewhere in the Equifax database. I have tried to get this corrected through the special cybersecurity help number ( XXXX ) and was told today, XXXX XXXX, that I should use the dispute resolution website instead at www.equifax.com/XXXX. This site is " down for maintenance '' and has been 'temporarily unavailable '' for the several days that I have been monitoring it.
This company keeps reporting on my credit file, I have disputed and called. This company does n't even have a social associated with this account. I have never had a XXXX cell phone, I need some help to resolve this issue
THIS ACCOUNT WAS CLOSED AND THE UNIT CONTENTS SOLD. I HAD REQUESTED FULL DETAILS OF THE PROCEEDS RECOUPED AGAINST THIS ACCOUNT.
There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX   2016  which is NOT accurate never had an account with this company and why this collection account states I  was 30/60/90 da ys late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.
I have a Paypal account and Paypal Credit. I have logged into Paypal several times to have it default payments to XXXX of my credit cards but when I use PayPal to purchase something it always defaults to Paypal credit and I have to go to the extra step of changing it to my credit card. Several times it did n't give me the option of changing it. Today I received a phone call saying my Paypal Credit was past due. I never received a statement either by mail or email from them saying I owed money. I do get an email from Paypal, but it always says I have a {$0.00} balance. I called Paypal today to find out what was going on and got no satisfaction. When I told them I wanted to close my Paypal Credit account I was told I would have to pay a {$35.00} late fee in addition to a {$64.00} account balance. I think that this company is dishonest and deceptive in their dealings with me. I believe that they do this to all of their customers.
The complain is filed to TransUnion that it did not conduct dispute investigation as a credit agency is expected to do - verify claim evidence for its legitimacy. 
A creditor made a fraud claim of debt to my account in TransUnion by providing a set of fraud delivery evidences, showing the delivery address not my address, the recipient signature neither my signature nor in my name. At my request, the creditor had provided me the same set of delivery evidences so I know exactly the story. When I saw this claim on my TransUnion credit report, I filed first dispute with TransUnion in XX/XX/XXXX, and was notified " no change after investigation ''. I have a credit repair agent filed 2nd dispute in XX/XX/XXXX, the same result came back " no change after investigation ''. I doubt what is the procedure for TransUnion to conduct dispute investigation, but in my case obviously it has not even verified the basic evidence including delivery address matching and signature matching, but simply ignoring the dispute and kept " no change after investigation ''. 
I would urge TransUnion to conduct a diligent investigation and verify the legitimacy of claim documents ASAP. Thank you very much for your help.
I started to fall behind on my mortgage in XXXX XXXX because of a decline in my business. I have not paid since XXXX XXXX. My mortgage service provider is XXXX XXXX. I have contacted them multiple times in the past months asking for forbearance to be able to catch up my mortgage. What I am receiving from them is that " their investors '' will not allow forbearance therefore there is nothing I can do other than pay the back payments to reinstate the mortgage. My total amount due now is {$24000.00} due to late fees. My business has picked up and I am able to make the monthly mortgage payment but not the back payments. I have contacted XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and working with Nevada 's Hardest Hit fund to help. At this point no one has done anything. Any help you could provide would be greatly appreciated.
XXXX XXXX WAS PAID IN FULL AND CLOSED BY USER IT WAS ALSO NEVER LATE. IT IS SHOWING 60 DAYS LATE AND CLOSED BY CREDIT GRANTOR. I WANT IT RESTORED BACK TO GOOD STANDING.
On XXXX XXXX, XXXX I became aware that I am a victim of identity theft. I have since contacted all three credit reporting companies ; XXXX, XXXX and XXXX to dispute information reported to them and I have also filed individual complaints to the individual creditors accordingly. XXXX of these tradelines/accounts that I have disputed was with Chase for an auto loan ( Partial loan # : XXXX ) to which I have disputed as not mine and or fraudulent. Prior to yesterday, it was an auto loan that was opened in or around XXXX XXXX, and then paid off in XXXX XXXX. Also, up until today it reported as at least reported as a paid in full with satisfactory pay history with an opening balance of {$22000.00}. Where as of today not only is this account still reporting on my credit, but it has since been updated by Chase as an account that was in fact not paid on time with the following late pay history reporting ; ( XXXX XXXX - XXXX XXXX as 30,60,90 & 120 days late ) with a credit limit of {$1000.00}. It also shows this account as first reported in XXXX. 

First off, all of this information is now even more wrong than it was before when I contacted them directly and disputed this entire account from the beginning on XXXX XXXX, XXXX. At this juncture, I would challenge Chase to verify that this account was even mine to begin with. At least prior to my disputing this, it was reporting as a satisfactory and paid in full account and now all of this information has changed. This is a violation of the FCRA on so many levels.
I recently obtained a rate lock on a mortgage with Wells Fargo. Before obtaining the rate lock, they repeatedly say that the rate lock can not harm my rate position, but does protect me against rates moving against me. During the time period before closing, rates moved in my favor ( more than an eight of a point ) and I asked WF to adjust my rate. I was told by a WF employee that they do not improve customer rates until the difference is a quarter point, and then they split the difference with the customer. This is entirely antithetical to the concept of a rate lock. The rate lock is there to protect the consumer from harmful rate slips during the closing process, not to make more money for the bank. Please work to correct this injustice.
I sent a request for debt validation by certified mail on XX/XX/17 and requested, to AMCOL Systems Inc. 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
The company failed to respond to my debt validation request, therefore essentially admitting that the debt in question is inaccurate. Per Texas Finance Code 392.202 ( b ) ( 2 ) this requirement states that the trade line must be deleted from my credit file
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Cr Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Cr Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Bank XXXX, N. A Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Bank XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
In XXXX my card was lost and found by a theif who used it at these locations XXXX/XXXX/XXXX 1. XXXX {$7.00} 2. XXXX - {$3.00} 3. Taxi - {$8.00} 4. XXXX - {$15.00} XXXX/XXXX/XXXX 1. XXXX - {$16.00} 2. Taxi - {$15.00} 3. Taxi - {$6.00} 4. XXXX - {$820.00} ( 3 transactions ) 5. XXXX - {$30.00} ( 2 transactions ) 6. XXXX - {$100.00} ( 8 transactions ) I realized it was missing and immediately froze my account, claimed stolen, and had a new one issued. Because they were pending I had to wait until the charges hit before I could dispute. Discover is known for 0 % liability for any unauthorized charges. So after the report I thought nothing of it. After a couple weeks I was advised by fraud department that a police report may help, but with the liability I was assured for by customer service rep who filed the report for me I put it at my low end of priorities because XXXX PD is hard to work with. I created an online police report, called in the temporary case number, and moved on with my life. A couple months later I was accused of making the charges because 1 ) I did n't give a perfect police report ( and supposedly the XXXX told the fraud agent I did n't give all the information ) 2 ) The vendors had been used by me before and not been listed as fraud. This is unfair because someone picked up my card and used it in my neighborhood obviously. I called to appeal and was advised by fraud rudely that it was not fraud but she 'd get me to a specialist the specialist was nice and re-opened the case also not agreeing with the decision because it 's easy to use a stolen card at stores in the area since someone would want to use it right away. I was also advised a police report would help but since XXXX is n't willing to work over the phone or online it 's become difficult with my work hours to ever get there. I call today and now need the XXXX to work with Discover. They need to both open and assign a case to an officer. Then the officer will have to get tangible evidence ( videos, a suspect, etc ) in order for this decision to be turned around and charges to be credited. THIS IS A NIGHTMARE I have no correspondence. I have only phone calls and the dates of fraud. However, they have all calls noted. PLEASE HELP ME! This is horrifying. The police will not do that. And, even if they did how would they know who the culprit using the card was?
XXXX On today XX/XX/XXXX I went to the branch of XXXX XXXX to open a bank account for my corporation when the representative is working for the creation of the account informs me that you can not create the account because I have a penalty from the Bank of America, which had to go to that branch of XXXX XXXX XXXXXXXX to see what that penalty was, I went to the bank where they gave me a statement in which they notify me that I had no problems with my account and that the balance from my account I was XXXX I did not owe anything to XXXX XXXX XXXX, the Representative gave me a phone number to call, upon calling I was informed that XXXX XXXX  XXXX had reported me for fraud, from a deposit made at an ATM with an amount of {$300.00} and the cashier receives the money but did not report it in my account immediately call attention to the consumer but the offices were closed, I had to wait until Monday to make my claim when or I went to the branch they informed me that I should call a Bank of America claims phone when they called they took the information after 15 days they informed me that the investigation had been done and that they sent me a check with the amount of XXXX When I received the check I went to the branch and I received it because it was my money and now my name appears that I committed a crime. 
This has caused me a lot of bad because I always do everything under the law, I feel harassed and mistreated by Bank of America for accusing me of something that is unfair, I do not understand why they do this if when they investigate they saw that it was true my information and my money back, I have in my possession all the documents issued by XXXX XXXX XXXX that were embassy during the course of the month of XX/XX/XXXX to XX/XX/XXXX, in which nothing is said about Frauds. 
I strongly wish that this accusation be withdrawn for me to continue my banking processes and conduct an investigation with this case. Thank you very much
I had been helping my spouse out and paying my rent and bills and one day I went to go take care of a bill and a agent at XXXX  told me I thought you were blocked from sending money a long time ago and she proceeded to send my transaction for my bill and I went home and had my receiver try to get there money it said it was available but when they went to receive it 2 days later I had to call them and they refunded my money in the meantime I called XXXX  and asked a manager why would she say that she said call in the morning when all the money center representatives and managers are available so I went up there the next morning and got a manager and she asked her to tell me why she said that and she said we had several rumors going on so we called MoneyGram and had your name blocked from sending or receiving money I asked them to fix it they got a attitude with me and told me to call up there and fix it I lost a lot of money behind them playing games with my name MoneyGram advised me my name is just blocked forever behind what they did I would really like them to fix this issue I also filled a complaint with there company at XXXX XXXX  complaint number XXXX that I filled in XX/XX/2017 when they told me how they slandered me and my receivers name
I canceled XXXX account and sent back the equipment within 30 days because the service did not work in my area. I was under the impression I would not be charged if i was not satisfied with service. And I had the option to send equipment back, which I did
We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/2018 and the mortgage was paid off on XX/XX/2018. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?
I do not have any type of contract with this 3rd party collector. Please remove this collector from all XXXX of key credit reports as reporting is not allowed since there is no contract.
I recently had a phone line added to my house. Immediately after being installed we began getting calls from Navient. After repeatedly calling them and asking them to stop and that I am not the person they are trying to call I keep getting contacted. Now they are using a private caller ID instead of Navient. Problem has been so bad that I had to disconnect phone so it does not wake up my kids every night.