WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted disputes by certified letters concerning information on my credit report and requested verification from the company. The verification they sent me was a print out and did not include my signature as requested showing I ever owed any money to this company. No other correspondence was received nor where any of my credit reports ever updated to show that I was disputing the information on my credit reports.
I have been a customer of coinbase for more than 4 years. Trading on my account has been disabled for nearly a month and Coinbase refuses to provide me with a reasonable response or any instructions on what I can do to resolve the issue -- -all of their responses are simply that they will talk to a specialist and get back to me. I had about {$130000.00} in USD in their service at the time and wanted to buy Bitcoin at the price of {$6700.00} on XX/XX/XXXX but my account was disabled and I was unable to buy. It has remained disabled since then, costing me more opportunities to purchase bitcoin at low prices, and now that Bitcoin has risen to over {$9500.00}, their negligence has cost me a great deal of money. 

On XX/XX/XXXX they contacted me to inform me of strange account activity. I am a US citizen but I live in XXXX part of the year and work remotely for clients in the US. Thus I log in to the service from both countries, which was marked as suspicious in my account. 

I didn't see the email, as I was on vacation. On XX/XX/XXXX, they sent an email to inform me that my account would be disabled since I had not responded and they were awaiting my response. 3 days later, on XX/XX/XXXX, I responded with all of the details I requested. They said they would confer with a specialist ; my account remained disabled. 

I have contacted them numerous times on the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they finally responded saying that they are investigating the issue. I have heard nothing since then even though I have contacted them a number of times since. 

To make matters worse, they only allow withdrawals in the amount of XXXX USD per day, so I haven't been able to move all of my funds -- -so far I have only withdrawn XXXX USD. I would have transferred all of the funds to another service had they allowed me to. I requested an increase of the withdrawal limit in early XX/XX/XXXXbut they refused the increase. They have given me no recourse. 

I have attached my conversations with Coinbase as a PDF document for your review.
I received an unsolicited business credit card for from XXXX, a company that I do not know, never did business with, nor requested information from. I never contacted this company nor solicited any credit card / loan, but they send me a credit card ( loan ) for {$500000.00} - Which is absurd. I would like to request for this company to stop calling me and stop mailing us this kind of unsolicited offers, because I do not want any of it. Today I called the company at number : XXXX to request to be removed from their list and make sure they stop sending this offers and the employee said that is not possible and said someone from my company requested this. This explanation is impossible because my company has no employees, only volunteers. PS : all of our volunteers have no access to any financial information either.
This is the XXXX complaint filed about this company ( WINDHAM ) with the CFPB. They REPEATEDLY continue to re age this alleged debt that occurred in 2003, and harm my otherwise flawless credit standing. 

The XXXX previous complaints for your review:XXXXInstead for removing the fallacious tradeline, they CONTINUE TO REPORT DEROGATORY INFORMATION and are also reporting it DISPUTED. 
Please see proof from my XXXX XXXX and XXXX XXXX that the negative and RE AGED tradeline is still reporting as a NEGATIVE account.
The company is coinbase. I have an account with them that was working fine 3 days ago that was Tuesday XX/XX/XXXX. I have money in my coinbase account and suddenly the account says its disabled ( says I need to show id and proof of address ) I have those but support is not answering me anything. These gets me really nervous. I try every posible way email, web page, XXXX and nothing. I dont know what else to do. I have XXXX with them now I dont have access to them or even know if my funds are ok. Please help.
I went to the car dealership. Asked the price of the car. The guy came back with the price and I told him no thanks. Somehow he ran my credit with equifax without my authorization. I had purchased a car from them the year before and I think thats how he got my info. I did not sign anything I did not apply for financing at the dealership I told them I was just shopping around at the moment getting prices and test driving cars. I called equifax and they told me I would have to call the dealership to remove the inquiries. The dealership told me they were too busy to call equifax
i have been disputing an alleged account from XXXX XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX  XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX florida. i just want it removed from my credit report.
On XX/XX/XXXX, Ditech Mortgage servicing informed me that I had an escrow shortage of approximately {$21000.00}. This was apparently discovered after an escrow analysis was completed. Prior to this date, an escrow analysis had n't been completed in three previous years. When the shortage was discovered, I was given the option of paying the shortage in one lump sum or paying an additional {$340.00} on top of my new mortgage payment, This discrepancy resulted in my mortgage payment increasing by nearly {$1100.00} per month. Another escrow analysis was completed in XX/XX/XXXX and I continued to pay the additional payment and the correct escrow payment. When this analysis was completed, it included the payment of my property taxes that were to be distributed on XX/XX/XXXX. On XX/XX/XXXX, I refinanced my mortgage and paid off Ditech that included the escrow shortage and  the anticipated tax payment that was to be made on XX/XX/XXXX. I was also charged a minimum escrow balance amount of {$1700.00}, I believe Ditech owes me this payment as well as the anticipated tax payment of {$7700.00} which was part of the payoff amount that was made on XX/XX/XXXX. Ditech refunded me {$40.00}
XXXX XXXX applied a debt that is my fathers and took me to court in XXXX. I went to court and told them it was not mine. In XXXX, I received another summons in relation to the debt. I had my lawyer get involved. She sent them a letter on XXXX XXXX, XXXX tellling then they had the wrong person nd to remove the vdebt from my information ( as well as calling them telling them the same information ). On XXXX XXXX, XXXX, XXXX XXXX filed a garnishment in court for this debt. I debt not receive this information until XXXX XXXX, XXXX because I do not and have never lived at the address listed in the information. Since that time, my lawyer has repeatedly called and been told the garniment will be removed and the money returned. It is XXXX XXXX and the garnishments continue and the money they have taken is now XXXX for a debt that is not mine. A debt that the third party collection company ( not the original owner of the debt ) attached my ssn to because my father and I share the same first name. They have all the information from my lawyer ( including my fathers information to pursue the debt from him ). They were told the debt was not mine in XXXX and never sent any information to prove otherwise.
I submitted a complaint with the CFPB regarding an issue with Equifax reporting XXXX XXXX XXXX accounts that I was an authorized user on. I am no longer associated with the account so I requested the accounts to be removed. The CFBP sent my complaint to Equifax and I just received an alert that the accounts are still on my report and no longer in dispute. This cause my Equifax FICO score to drop XXXX points.
I would like to find out who owns my student loan. I was in negotiations with XXXX XXXX of XXXX XXXX   XXXX law firm representing XXXX XXXX XXXX XXXX XXXX to settle for a percentage of my debt in a one time payoff amount in the spring of XX/XX/XXXX. During that time, unknown to me, my mother filed bankruptcy. As of XX/XX/XXXX I was informed that they were no longer allowed to talk to me in order to resolve my debt. I have had my mother 's bankruptcy lawyer send over multiple times a Relief of Bankruptcy Stay in order to get someone to talk to me regarding the payoff for my student loans. 

As of XX/XX/XXXX I was able to get in touch with a helpful and attentive associate named XXXX XXXX now claiming to be with XXXX XXXX XXXX as the owner of my debt. Verbally she agreed to my payoff offer of 35 % of the total debt if I can get a Relief of Bankruptcy Stay. 

Upon consultation with the Bankruptcy Lawyer, XXXX XXXX XXXX. I was informed to request proof of ownership of the debt and a notarized agreement for the aforementioned settlement amount. When I emailed over these requests, I have heard nothing. 

This debt is keeping me from moving on with my life and I would like to find out who owns it so that I can negotiate a payoff.
XXXX/XXXX XXXX is fraudulently reporting on my credit reports in the amount of {$3600.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
I have Disputed incorrect and illegal reporting of account info, balances and statuson my credit report on my OPEN Bankrupcty case with the creditor XXXX XXXX twice to no avail with Transunion and XXXX on debt that is currently included in my Chapter XXXX Bankrupcty case # XXXX with a file date of XXXX. Both bureaus refuse to remove and debtor is still currently reporting late/missed payments and increasing balance monthly with an Open status which is clearly a violation of the U. S. Bankrupcty Code. DELETE
I had settled a debt with a collection agency in XXXX of 2015. I was given a receipt for paying this debt, which says the account would be closed. However, this debt has been posted to my credit report as " in collection ''. The receipt ( as well as what I was told by the collection agency ) makes clear that this debt was accepted ; therefore the delinquency in my credit report is false.
This Company Recievables Management Is trying to collect on 4 medical bills and they are not licenced in my state to collect debt! Additionally They are reporting negative information on my credit report for all three credit reporting Agencies! These bills have never been verified and they are not mine! If they are, they are more than Seven Years old, because I have Had Medical Insurance for they last 7 years!
I have a XXXX ( XXXX ). I completed a job for a customer, I hand delivered the parts, and the customer is happy with the results. Unfortunately, the customer wanted to pay via credit card, so I used PayPal to process the transaction. The payment cleared, but PayPal is holding the funds for up to 21 days. Not to mention the fact that they take an additional 3 to 5 business days to transfer money to my real bank. I called and spoke with a PayPal customer service representative as well as a " specialist ''. Both reps were nice, and tried to be helpful, but the earliest they are willing to release my funds is by next Thursday, XXXX XXXX. This is amount of time is ridiculous. I understand that PayPal needs to earn interest on my money, and the longer they hold my funds, the more interest they make. The longer they hold the funds, the greater number of bills that I have are going past due. My credit rating is being destroyed while PayPal makes money. And I paid them nearly {$100.00} to process the credit card transaction. And I 'll have to pay to transfer the money to my bank account. 

Most people agree that electronic commerce is nearly instantaneous - why is it necessary for companies to withhold funds for ridiculous lengths of time? I 'm being punished for doing my part, providing a quality service, and delivering on time, only to have PayPal not release my funds until it is very convenient for them.
Dear Sirs, I have a Home Loan Mortgage, and Home Equity account with Wells Fargo Bank. Recently, Wells Fargo updated their online presence by offering access to my personal Credit Score. I was shocked in seeing my score a full 56 points lower than it appears on my XXXX score. I have submited complaints to CFPB in the past concerning the questionable tactics used by Wells Fargo, specifically as they apply to the Home Mortgage Division. Briefly, in 2012, following a mid-management job loss, I approached Wells Fargo for some help in lowering my monthly obligation of {$2100.00}. The bank immediately decided that I belonged in their " Home Preservation Program ''. This was the greatest financial mistake I have ever made, and I have been paying for this involvement ever since. Wells Fargo was literally filled with false promises, delays, lost paperwork, you get the picture. After 8 months of " lies '', I was denied inclusion as my household income was deemed " Too High ''. I concluded that the bank was aware of this factor from the begining, and as the monthly obligation became increasingly difficult to meet, my Credit Score plummeted into the low 500 's. The only area where the bank excelled was in reporting late payments to the Credit Bureaus The Bank continues to report a negative standing on the two accounts, siting late payments even though this has not been an issue for over two years!! 
I focused on rebuilding my score, and was pleased by the results cited on my XXXX file. The latest entry lists my Score at 745. To view only a " fair '' rating on Wells Fargo 's site has prompted me to action. I have submitted a complaint to Wells Fargo, and am awaiting their response. 

Sincerely, XXXX
They have repeatedly have called my work and now have called my teenage kids and have scared them tremendously. They have called every day for the last XXXX months and as of XXXX/XXXX/XXXX called my kids.
Navient I called Navient on XX/XX/XXXX to inquire about making additional payments on my student loan. The rep and I discussed how my payments were being applied and when it would be best to make the payments every month based on accrued interest and such. 1st problem, she told me that my entire payment was going to accrued interest since my accrued interest had not been paid off, which is not true. For the loans that still have accrued interest, the portion of my payment is going to the interest, but the rest of my payment is going towards a mix of principle and interest for the other loans. I ended the call feeling like I got most of the information I needed. 5 days later, I get a notification that Navient was raising my payment by {$140.00} a month. I called in today to figure out what happened, and the gentleman I spoke to said that in the notes it showed that, on XX/XX/XXXX, I had requested to be removed from my income based repayment plan, and because I did n't send in the proper paperwork, they raised my payment to {$440.00} a month where it used to be {$300.00}. At no point during my conversation with the girl on XX/XX/XXXX did I request to be removed from my current payment plan. That request was put in without my consent or my knowledge. The gentleman I spoke to today put a request in to get my payment plan reinstated, so the issue should be resolved, but the rep I spoke to on XX/XX/XXXX made changes to my account without my permission.
A company claiming to represent XXXX XXXX- A payday loan company that I neglected to pay contacted me threatening to seize my vehicle, claiming that I committed fraud and other allegations Company name is XXXX XXXX XXXX XXXX Phone # XXXX
Illegal fees for account maintenance. Bank of america charging fees for maintenance of account without consumer knowledge. Spoke with consumer representative XXXX XXXX XXXX who has no knowledge of the issue. I ended up closing all the accounts with bank of america.
XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry fromXX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXXXXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXXXXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
I had a Deutsche Bank Credit Card No. XXXX way back in XXXX in XXXX, the limit was Rs.XXXX ( XXXX XXXX Rupee  ), I went back to XXXX after 9 years and came to know that Deutsche Bank converted into XXXX XXXX  in XXXX and now XXXX XXXX has made my total credit card bill Rs.XXXX. All the transactions are fraudulent and I also spoke with XXXX XXXX regarding this, he is just making excuses, I also offered him to file a police report, he said no to it. 

I want XXXX XXXX to waive all my Balance and also clear my credit report known as XXXX in XXXX.
XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I wired {$3000.00} usd on XX/XX/XXXXto my gdax account. Everything I read on coinbase.com and gdax.com said that wire transfers were credited same day. There was no indication there would be a delay in processing at this time. This was misleading. I do n't remember exactly when but a few days after my wire XXXX says there may be delays in wire processing ( even now XX/XX/XXXX Coinbase.com says they have cleared the back log although they clearly have not ) XX/XX/XXXX Case # XXXX I submit a request to support, I receive a generic computer generated response. This is acceptable for the first 3 days in my opinion. Its been 3 weeks almost to the day, my money has not been credited to my gdax.com account and I have not received any other responses. I am extremely upset about not receiving a response from a real person who could lend some information and help me. This is unacceptable from any business, especially a money transmitter. 

Summary NO Customer Care at all You are rolling the dice with coinbase/gdax hoping that everything goes right I would not recommend this XXXX XXXX or exchange to anyone right now ( browse the XXXX /coinbase, I am far from the only person with this experience )
XXXX XXXX XXXX has totally let the breach of XXXX totally cra violation and ftc XXXX my report up enclosed are the violatons XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - - XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$750.00} {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX
Have already followed up on this through a complaint but nothing was resolved. XXXX resolved, but transunion has not. They instead have mentioned an issue with my address which is not an issue. The address given is on my report and had been for 18 years. I have inquiries that were not authorized and they are not being removed which is unfair and to my knowledge illegal to have allowed these inquiries to be on my account from unauthorized applications. The unauthorized inquiries have been now removed from everywhere except transunion as i am having difficulties coming to a resolution. Ive written letters back in XX/XX/XXXX when my police report was filed only to no avail. 

What needs to be removed is this credit card from XXXX XXXX, inquiries from XXXX XXXX, XXXX, cXXXX XXXX XXXX ( valid inquiries for XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ), XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

I truly hate being a pain but these inquiries are insane and even an added account onto my report has happened since i placed the fraud alert on my report. Ive followed the needed steps with filing the police report and monitoring closely, yet these things are piling up, only on my transunion. All other reputable reporting agencies have resolved this issue. The adddresses on my report at XXXX XXXX XXXX is valid and has been for 18 years. I also have an address at XXXX XXXX in XXXX which is also valid and on my report. Please help me.
XXXX was the servicer of my loan, it was sold ( to whom, I do n't really know ) and XXXX became the servicer. XXXX accept my loan modification as '' complete '' but in fact, it had no signed IRS tax transcript request and no signed Dodd Frank certificate. No signed IRS Tax Transcript request, and neither XXXX nor Caliber ever wrote to me to say this form was missing. MY RMA was denied, by Caliber for HAMP and then later, an in house mortgage. Caliber is now asking me to send in everything again. Therefore, they denied an incomplete application.