WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I executed a sale of bitcoin on coinbase.com worth {$6800.00}. The funds were supposed arrive in my USD wallet that same day ; the transaction message I received stated the following : " Your USD will arrive by the end of day on Friday XX/XX/XXXX ''. This message is still being displayed in the transaction records as per XX/XX/XXXX, and to date I have not received payment. The transaction status shows " pending '', while the sale of the bitcoin shows the status as " completed ''. 

I contacted customer support after noticing the Funds were not available the following day, and the company responded with an e-mail instructing me to look up potential causes for delays on their website. There was no information regarding delays for sales of bitcoin and funds not showing up in the USD wallet. As per the company 's site, USD wallet transaction are supposed to be immediate. I responded to company 's email several times asking for further assistance, but never received a response. My case has not been updated since XX/XX/XXXX. The company 's costumer support phone number does not handle transaction issues, which means I am out of options at this point.
( 1 ) I, XXXX XXXX was accepted for an auto loan from Automotive Credit Corporation through XXXX XXXX XXXX XXXX in XXXX CA on XX/XX/XXXX. On XX/XX/XXXX I spoke with a loan rep named XXXX from ACC that finalized the loan. During this conversation XXXX advised me that I will be receiving loan and payment information via mail with-in a week from our phone conversation. Since our conversation I havent received the loan or payment information which was supposed to be sent to me. But what I have received is several calls from your employees that tell me my loan is in default, but no one to date have sent me loan information to make a payment. I am requesting my loan and payment information sent to me via US mail. ( 2 ) I, XXXX XXXX have received your correspondence, dated XX/XX/XXXX that states YOUR ACCOUNT REMAINS PAST DUE. YOU MUST IMMEDIAETLY REMIT {$320.00} IN ORDER TO BRING YOUR ACOUNT CURRENT. As I previously advised this company, XXXX a loan representative told me I would receive car loan information via US mail. But I wasnt provided any information in regards to my car loan via US mail. And still to date the only response to my request to get car loan information dated XX/XX/XXXX is a letter demanding a payment more than quoted to me by XXXX XXXX a representative from your company. According XXXX who only provided me with payment information via phone quoted my loan payments to be {$300.00}. Those are two of the letters I sent ( 1 ) XX/XX/XXXX and ( 2 ) XX/XX/XXXX to acquire information regarding my auto loan # XXXX to ACC. Since then the only response from them have been threatening letters. Also I have made a complaint against XXXX XXXX XXXX XXXX with multiple reporting agencies for forgery. XXXX XXXX XXXX XXXX responded to the Better Business Bureau on XX/XX/XXXX was that I was on repossession status and I should rescind the loan. However, the checked for XXXX was received by ACC and deposited on XX/XX/XXXX.
SyncB/XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
i opened an account with XXXX XXXX in XX/XX/XXXX and the account was closed on XX/XX/XXXX.This is a negative account that has been on my report for 9yrs now.I ordered my report on XX/XX/XXXX.I received on or about XX/XX/XXXX.As i was reveiwing my report, it appears that this account has been re-aged.The ( DOFD ) " date of first deliquency '' shows XX/XX/XXXX when in fact the original first delinquency is XX/XX/XXXX.I do have supporting documents and a complete payment history on this account from XXXX XXXX supporting this fact.Under the per FCRA, this is a very serious violation.My EXPERIAN report DOES NOT state when this item will be removed XXXX
XXXX says I owe them {$40.00}. I cancelled their service within 30 days pursuant to there satisfaction guarantee which states that I will owe nothing. I also was told that I owe nothing when I turned in their equipment at their store location in XXXX, MI. They have sent the false debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CT. I have notified them in writing months ago that I do not owe the debt and demanded proof that I do. They have sent me no proof that I do. Now they are calling several times a day trying to collect.
My account was frozen on XXXX XXXX,2017. Paypal Promised to release my funds at 180 days and they have not done so.Please release my {$420.00}, so I can withdraw. My case : XXXX.
Midland Mortgage ( XXXX ) is currently servicing my FHA mortgage. I have also applied for a loan modification on numerous occasions and XXXX has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. XXXX is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. XXXX also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. XXXX has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. XXXX is in clear violation of CFPB mortgage servicing rules as well, since they have refused to complete underwriting on complete loan modification packages submitted. XXXX has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by XXXX on a number of counts and I am seeking your assistance on this matter.
FBCS continues to call about a debt that has nothing to do with our household. We have repeatedly told them they have the wrong person but they continue to call every few weeks/months. We have verified that the person, address and phone doesnt belong to the person they are looking for, They get incredibly rude when you inform them. I stated 7 times on recording today how can I help you, to which they only want yes no answers. In todays scam market, you cant answer yes as they will use this to sign you up for scams. 

Very unprofessional and would like the harassment of calls for someone elses debt to stop!
I closed account in XXXX 2015. XXXX CARD Services allowed charge from XXXX to go thru in XXXX 2015 that I did not do. I CLOSED ACCOUNT 9 months ago. XXXX needs to be banned from the industry.
Hello, My name is XXXX XXXX and I am writing in regards to recent change in my Escrow right away after my lender XXXX XXXX XXXX sold my Mortgage to Lakeview Loan Servicing LLC. My loan is a fixed rate mortgage. The home was purchased through XXXX XXXX XXXX XXXX with Settlement Date of XX/XX/2018. They recently sold my Mortgage to XXXX XXXX XXXX and my first payment was due XX/XX/XXXX. Before this sale of mortgage to Lakeview From XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made payments of agreed Settlement to XXXX XXXX XXXX even though XXXX XXXX States they purchased Mortgage on XX/XX/XXXX. During the time After settlement up until XX/XX/XXXX my mortgage remained the agreed cost. Suddenly, after paying my XX/XX/XXXX mortgage ( which I paid early to the new lender Lakeview ) I was informed my Mortgage payment was being increased due to incorrect calculation of the Escrow. I have not even had the house for a full year. The inspection of the home was performed a week before settlement. All figures we're calculated at that time. A month later the Mortgage Company XXXX XXXX came to the home and reinspection of the home was performed by them and the amount of insurance cost remained the same no changes. The county and State taxes have not increased since the purchase of my home on XX/XX/2018. I have no way of finding out how this new lender has come up with these figure. I have contacted both XXXX XXXX XXXX to try to find out and they don't understand why this has happened either. I would like this to be investigated further. I believe that Lakeview Loan Servicing is performing fraud against it's customer by purchasing their loans then increasing their payments and claiming it is a result of under charging in Escrow. I have provided the following documents to be researched.

Sincerely, XXXX XXXX
XXXX removed this from all three beaurus and even sent me a letter stating this fact as it was a paid in full account, however it reappeared and was not updated as having at least a {$XXXX} balance. Attached are receipts and communication with XXXX. Despite multiple calls with XXXX agreeing to remove the incorrect information, 60 days later it still appears incorrectly and negatively is impacting my score as a result. The attached receipt shows this was paid in full XX/XX/2016. They also sent a letterhead showing 0 payments owed, 0 lates, etc. But it is reporting as being 1 month late. We are now in XXXX and it is still incorrectly appearing.
I was alarmed when I ordered my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Location XXXX, PA On Monday XX/XX/, {$120000.00} was deposited into our Wells Fargo Bank by my lawyer which was part of a settlement from a well known insurance company. This was a week ago today. The money is still not available for withdrawal ( which we didnt know this until we had overdrawn our checking account and couldnt get anythiing to go through ). We have talked with the XXXX XXXX  ( title is banker II ) on Friday and we can't get this money made available even 5 days after deposit. XXXX is the other bank that is the sender of the money to XXXX 

I am XXXX and live on a very small amount of money and need this money to help pay some bills. Can your organization help? I feel like XXXX is using my money for however long they want to do their own business.. 

In talking with XXXX we have not discovered any reason for them to suspect they will not get the money from XXXX or havent already. We are not habitual overdrafters on our account. Aren't there limits to how long banks can hold people 's money when they want it. WF released {$4800.00} on day 2 after the deposit and say the  remaining amount won't be available until XX/XX/XXXX!! This seems excessive The banker is XXXX XXXX at XXXX we can be reached at XXXX or XXXX or XXXX or my cell XXXX.
I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that XXXX, Equifax, and XXXX   investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.
On XX/XX/XXXX, Phoenix Financial called 4 tines in a day, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX. Obviously they are calling more than once an hour, which is illegitimate collection tactics. This is harassment.
I contacted Consumer Real Estate Finance Co about obtaining a USDA loan to purchase a home. I was told I qualified and we started the process. I signed a contract on a house on XXXX XXXX, 2015. Since that time we have not closed, I have spent {$1800.00} for deposits, appraisals, inspections, etc and the mortgage company has not given us any closing date. We have had to extend the contract date XXXX and my latest expiration is XXXX XXXX. As of today my file still has not moved out of Underwriting and the mortgage company is not returning my phone calls or emails. They are also not returning my real estate agents calls or emails.
On XXXX/2016, I wrote my mother a check for XXXX dollars toward home ownership inspection. On XXXX/2016, I was the victim off bank fraud via the same check. On XXXX/2016 Bank of America 's fraud investigation team submitted a claim against my mother 's bank account at XXXX, in error, believing her to be the criminal party involved. If they had properly investigated the situation, they would have verified that she did not receive the stolen funds or had a XXXX deposit for that day. On XXXX/2016, I saw that the claim had been pursued against her, not the guilty party. Of course, I had to return her money since she did not steal it from me. I believe Bank of America may have pursued the claim against my mother to cover themselves by claiming to credit me, without paying for the damage themselves. The guilty party, XXXX XXXX, was shown to have deposited my check into a Bank of America account and is currently being pursued by law enforcement. Bank of America has since refused to return my funds.
The company I work for is involved in a bill dispute. The bill was referred to CFM Group. I get repeated calls on my personal cell phone for payment of this bill. I have tried to explain that the bill is being disputed and the person on the phone yells at me to pay my bills. I have tried telling them that I don't owe any money and I would like to speak with a supervisor. I get told that supervisors don't speak to dead beats who don't pay their bills. I have asked for my personal cell phone to be removed from their call list and I am told it will be when I pay the bill. My cell phone gets called repeatedly when I hang up on the lady calling. If I answer again I am yelled at to pay my bills. This company refuses to listen to me that I, personally, am not rresponsible for this bill and I get harrassed over it. I have finally tried blocking the number that calls me.
I have a home that was flooded by Hurricane Harvey. I immediately reached out to my mortgage company, CitiMortgage, to inquire about a forbearance plan for a Federally declared disaster area. On XXXX/XXXX/XXXX, I rec 'd a letter from CitiMortgage granting me a 90 day forbearance period. I did not make my XXXX/XXXX/XXXX payment, per the information in the letter CitiMortgage sent me. 

On XXXX/XXXX/XXXX at XXXX, I rec 'd a call from CitiMortgage indicating they are calling to collect on a past due debt. I informed CitiMortgage I did not make the payment per their forbearance letter instructions. They confirmed they were aware I was on the forbearance plan, but they stated they would call me weekly until the past due amounts are paid. I asked the rep to explain to me if this process makes sense, as they are the ones that granted the forbearance plan. She stated it does not make sense ; however, they will continue to call me to collect the debt. 

Attached is a copy of the letter, which nowhere do they state that under the plan they will attempt calls to collect a debt. I would appreciate some guidance as to how to proceed with these knuckleheads. 

XXXX XXXX
Equifax was aware of their security beach in XX/XX/XXXX. It is now XX/XX/XXXX and they only just made people aware of it. I was personally compromised in their data breach. It is ridiculous.
Equifax wrote that my credit file had been accessed inappropriately and that I could signup for free credit monitoring protection. I signed up. 
I never received the protection or further correspondence.
On XXXX XXXX, XXXX, Capital One cancelled my credit card without advance notice to me. I had a credit card with Capital One since XXXX. I paid my monthly invoices on time without fail. I did not have any balance amount due on XXXX XXXX, XXXX.
This is a constant practice by Citizens Bank ( Citizens Financial Group Rhode Island ). I will pull my statement online and on that particular day I have a current positive balance. Knowing my payroll deposit is going to occur the very next day, I am not concerned knowing that there is a pending check that will be covered when or if it comes in the next day. However, when I pull my online statement the very next day I see that Citizens processed that check the day prior overdrawing the account even though I check the online balance the day before and it was positive. I have even printed my online statement which clearly shows the date on the printout and the positive balance and then the next days printout showing that check somehow mysteriously coming thru the day prior overdrawing the account and have taken it to the branch manager. They say they process checks all day and even though that check may not show up they had it and was processing it that day but I would not see it or know that. If a bank is spending an entire day to process a check then that check should not be processed until the next day. Do not fool customers by showing them a positive balance and then surprise them the next day and say " you did n't realize that all day we were working on that check but you could not see this so that counts as it actually being processed that day so thus we will charge you an overdraft even though your account clearly shows a positive balance all day ''. This bank is constantly being sued for its processes and I hope someone is looking into this backdating check scheme.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX   Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trans union : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : XXXX
For the past 6 months i have tried to have a fraudulent account removed from my Equifax credit report. I have even provided them with my certified police report as well as the business card of the  officer  that took the report and the person in the records office that provided me the police report when i wen to pick it up ... .. that said they have failed to remove the account.
I have n't had a credit card with this company is over 7 years, this should not be listed on my credit file. I would like this validated
An address appears on my credit report that does not belong to me. I recognize the address to be that of where my ex-husband lived following our divorce. He was not financially responsible and I do not want to be associated with his financial decisions following our divorce, including the potential that he failed to be responsible to a landlord. He intentionally accepted personal property and the debt associated with the property in our divorce settlement and did not follow through with the financial obligations accepted with each debt nor did he refinance the items without my further financial obligation. Therefore, he affected my credit score as well. I had to take legal action to prevent this negligence from continuing and have worked hard to rebuild my credit score. A judge did hold him liable and he took care of the issues after he destroyed my financial reputation along with his own, which was his intent. I do not want any of his financial decisions, home of record included, to follow me any longer. XXXX makes the information easily accessible, which I appreciate because in the years past it was a difficulty feat to just obtain my information. However, it remains difficult to resolve a dispute of inaccuracies on my reports. I 'd like to seee this process simplified as well.
several attempts have been made through mail and fax for Equifax to update the spelling of my name, I 've sent my drivers license and voters regristration and they still refuse to correct the spelling and update my report. My name is not spelled XXXX it is XXXX and it seems like no matter how many times I send them the info they do nothing. 2nd I have credit monitoring on my phone which alerts me when there are changes in my credit report and score, on XXXX/XXXX/XXXX I recieved an alert and checked and saw that a collections was removed from my credit report ( XXXX XXXX ) and lucky I took screen shots just in case issues like this happened, on XXXX/XXXX/XXXX I recieved an alert, Equifax added the collection back on to my report with no prior notification, no anything, I was down to XXXX collections and now I have XXXX. Last it took them over 30days to respond back to my letter that was sent over a month ago. Photos are I closed when they removed it and then added it back
There is no way you can speak to someone when you call OCWEN. Their offices are overseas in XXXX and you can not understand them. My payment has to be in by the XXXX of each month. I mail the check each month now because they could not get the electronic payment done right either. They, this month XXXX 2015, want to charge me a fee of {$40.00} for their inability to process my paper check. When a check is received by mail, and of course with the US mail so messed up who can say when they will receive your payment.. I mailed my payment on the XXXX of XXXX they received and posted it on the XXXX, the check was to be deposited on the XXXX.AS IT WAS DATED so when it went through my bank 2 days early my SS check was not in yet and OCWEN charged me {$40.00} b/c their people do not know what they are doing!! and it was returned for non sufficient funds by my bank. I used to pay online and then they wanted to charge a {$10.00} fee for that as well. When you are on a set income it is hard to survive in this dog eat dog world. I have never missed a payment or been late with anything UNTIL OCWEN. Someone needs to go in and close their doors or maybe bring them back to the XXXX to be serviced.
This is regarding previous complaint number # XXXX. Collection Consultants of California offered a pay for delete to resolve medical collections as a remedy for disputed collections. I believed this issue was resolved, but there are still 2 collections from Collection Consultants of California that remain on my credit report. One account is being listed on XXXX, and the other is being listed with XXXX. I contacted Collection Consultants of California and spoke to XXXX. She advised me that there was an error made, and that the amount of {$1300.00} was additional and should have been included in the previous complaint. I expressed to her that I thought this was totally unfair and that I thought the previous complaint resolved any open collections. She apologized and stated she could make an additional offer to delete. I did not want to comply because I felt that I was being mistreated. I recently contacted Collection Consultants of California again to speak to XXXX, on XX/XX/XXXX and XX/XX/XXXX and was told she was not available. Both times I was advised that a message would be taken and given to her. I still have not received a return call from her. These medical accounts have affected me negatively for a really long time and I don't feel I deserve this, especially since I did have insurance at the time of the billing. I would like to get this issue resolved once and for all without any accounts showing back up on my credit report.