WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a XXXX deposit to Coinbase on XX/XX/XXXX, which was received by their bank on XX/XX/XXXX. For XXXX Euros. 

The deposit still has not been added to my online account with coinbase, nor has the money been returned to me. The deposit/transaction is still showing as pending on my coinbase account. Even though, my bank has confirmed that their bank has received the funds on XX/XX/XXXX. 

Coinbase support have only responded using templated emails and have not provided an explanation, timeframe or proposed resolution. Whats worse, they responded saying that all my transactions have gone through and that they ca n't see anything wrong in my account. 

Coinbase took my deposit on the XX/XX/XXXX and have held onto my money. And have not made it available for me to spend of withdraw, or given a reason for the delay. The deposit/transaction has been stuck as pending since XX/XX/XXXX, and coinbase have my money, but have not updated my balance for the last 3 weeks. 

I fear I will never see my money again.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX RE : Social Security Number : To Whom It May Concern : I have recently been informed you that there is negative information reported by XXXX and the account claims I owe {$450.00} & Debt Recovery Solutions {$950.00} in the file you maintain under the last 4 of my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing of {$450.00} XXXX & {$950.00} Debt Recovery Solution. I also notice several inquiries on XXXX and XXXX well as follows 1. XXXX twice, 2.  XXXX. I have attached the pictures of each credit bureau. I have been a victim of identity theft in the past. I am disputing the erroneous account and inquiries an an internal dispute which takes 3-5 business days. I am disputing the accounts listed on this letter and the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Debt Recovery {$810.00} all of the inquiries and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a certified letter 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the account and the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX SSN : XXXX XXXX XXXX XXXX XXXX GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
I was given promotional 0 % rates with deferred interest if paid within 6 months on multiple purchases with PayPal Credit. An amount of {$810.00} needed to be paid by XXXX XXXX, 2016 to avoid the deferred interest of {$120.00}. Unfortunately I became quite sick XX/XX/XXXX and made the mistake of not making the payment due on XXXX XXXX to avoid the deferred interest. I made the payment of {$810.00} XXXX XXXX, 2016 when I realized I had forgot to ma me the payment. I check the most recent statement and notice they had charged me the {$120.00} in deferred interest. I called and spoke to a supervisor and they informed me that if I faxed a request to reverse the deferred interest to their corporate center, they would consider doing so. I faxed a request to reverse the deferred interest on XXXX XXXX, 2016 for which I received an email on XXXX XXXX 2016 acknowledging the receipt of said fax at XXXX, and then another email that morning at XXXX on XXXX XXXX, 2016 indicating " The fee waiver request that was submitted has been completed. '' this email did not include the decision and based on the sentence above it seemed as the request was approved. I waited 48 hours to check my account and see if the reversal had been process and to this day, XXXX XXXX, 2016 it was not. I proceeded to call and speak to another supervisor on XXXX XXXX, 2016 and explained how the email was confusing and they informed me that my request was not approved. I explained how could I know what the status of the request was as I was not emailed, mailed or received a phone call. 

I have an impeccable history with PayPal credit, never missing a single payment and paying off every promotional rate purchases when they are do, so I feel they are exerting and undue burden upon me, especially since I immediately made the payment in full when I realized my error. I feel these are predatory lending techniques, not giving any consideration to an exception, considering the circumstances, and it 's amazing they would rather have {$120.00} than keep my business.
I went in for a doctors appointment on XX/XX/2014 I paid {$170.00} which was my co-pay plus I paid a {$20.00} co-pay and then I put another {$27.00} co-pay my insurance paid {$270.00} they are saying that we still owe {$270.00} they refused to take this off of my credit report and when I try to call they are rude and wont listen to what I have to say.
These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The XXXX XXXX and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( WFDS ), and recorded with Equifax, XXXX, and XXXX XXXX CRA 's XXXX, I sent a series of letters to XXXX from XXXX to XXXX demanding under XXXX XXXX XXXX and FDCPA XXXX ( XXXX ) ( XXXX ) ( XXXX ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau XXXX XXXX XXXX, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, Equifax and XXXX have not. I received a response from the XXXX Credit Bureau XXXX XXXX XXXX dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both Equifax and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!
Well basically what happened is this in XX/XX/XXXX my brother took out am american express card in my name hes XXXX XXXX person.I didnt know about it but then in XX/XX/XXXX I checked my credit report and I saw that I owed american express XXXX XXXX so I called them and said what the XXXX   is this I dont have or ever had an american express card by the way they didnt seem to care but I found out it was my brother the dummy so I told them to transfer the card into his name you see at this time he was making the minimum payments to them so they were making money on the interest so it wasnt in there favor to help me but any few months ago he stopped paying them and they ran and levy my bank account for XXXX I dont think it fair because a few things pop in my head why did they give so much credit it seems predatory and in doing so why didnt ask for identification on so much money on an unsecured debt so now i lost XXXX dollars they ran to my bank with a court order and took the money.Another words they target people in lower income brackets to take advantage of them when they cant pay back and one day everyone in this country is going to pay back in a big way.
XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX Suntrust XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
The homeowner submitted a loss mitigation package to Bank of America, N.A. on XX/XX/XXXX, 2017. Bank of America, N.A. immediately denied the homeowner for loss mitigation stating that there was an issue with the loan that prevented a complete loss mitigation review. Bank of America, N.A. stated the client had to fax a letter to them requesting information on the issue and how to resolve it. The homeowner did that, and Bank of America, N.A. has still refused to provide any information to the homeowner to resolve the issue and to allow the loss mitigation review to move forward.
We received noticed that our Wells Fargo Home Equity Account, which has been closed for basically two years now by Wells Fargo, was due a credit as a result of case # XXXX. Again, that account has been closed for about two years and we have not received the funds stated in the notice. However, we have received a XXXX tax form for the amount we were supposed to receive. What Wells Fargo seemingly considers trivial money matters to people like us ; I 'm tired of having to fight this bank to get them to do what they are supposed to do. When we waited as we were asked to hear back from them on how they could " help '' us, we were informed that, because of the waiting time period, we 'd incurred more massive fees and penalties ; it seems a little unfair that, when they 've waited to pay what they owe us, we do n't have the same power.
Received A letter about this debt in mail from XXXX XXXX XXXXXXXX saying theirs an reduce balance opportunity. But I have no knowledge or authorized of this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never opened any account with XXXX or XXXX XXXX. it says on the letter that the original debt was {$560.00}
This address is listed on my credit report. I have never lived in the state of Texas. 
XXXX XXXX XXXX XXXX XXXX TEXAS XXXX
I am requesting your agency 's assistance concerning the actions of my mortgage loan servicer, Nationstar Mortgage ( " Nationstar '' ). On XX/XX/2016 I logged into my Nationstar online account to pay my mortgage, as I have done so since the company began servicing my loan. I noticed the company 's website had changed since I made my last payment in XX/XX/XXXX. When I brought up the Payment Overview screen, I noticed a charge of {$520.00} in fees. I checked several of my past monthly online statements and noticed the company charged a late fee in the amount of {$57.00} each and every month. 

Prior to XX/XX/XXXX the Payment Overview screen showed the following categories : Payment Amount, Transaction fee ( {$9.00} ), Additional Escrow and Additional Principal. While I ca n't access the old payment screen, I did locate a payment confirmation email that includes the aforementioned categories. At the company 's encouragement I switched to paperless statements shortly after Nationstar modified my loan and I paid my mortgage within 30 days of the due date. When I made my prior monthly payments, I assumed that all charges were included on the Payment Overview screen and therefore did not access the online statements every month. I have attached copies of the Payment Overview screen, online statements for the last three months, the Payment Activity screen, a payment confirmation email from XX/XX/2016 and a payment confirmation email for XX/XX/2016 for reference. 


After making my payment I called Nationstar and spoke with XXXX. I told her that it is not fair to charge a customer fees or any other charges due ( including those accumulated in prior periods ) without showing them in the current Payment Overview screen. XXXX said it is the customer 's responsibility to review all documents " made available and include them in the payment. '' I asked XXXX why the company was able to list transaction fees, but did not list any other fees on that same screen until it discontinued the transaction fee this month. XXXX said she would not waive any of the late fees. I then spoke with XXXX 's supervisor, XXXX XXXX. XXXX XXXX said the company informed me of the late fees in the " note. '' I have attached a copy of the loan modification documents from XXXX XXXX XXXX ( the prior servicer of the loan ) and Nationstar. Nowhere does it reference late fees nor a dollar value for said fees. XXXX XXXX became curt with me and said " I 'm not going to argue with you. ''
COn XXXX/XXXX/2015, I overpaid my balance on my Citibank card ending with XXXX, leaving me with a credit balance of XXXX. I called Citibank and asked for a check reimbursing me for the credit balance and they agreed to send it. After a couple of weeks when it had n't arrived, I called again and they said they would cancel the XXXX check and send a new one. Neither check ever arrived. I called a XXXX time, and again they said they would cancel and reissue a check and double-checked my address ( I get junk mail from them all the time, so they do have the correct address ). None of the checks ever arrived. I called again on XXXX/XXXX/2015 and spoke to " XXXX '' who said he would transfer the money directly to my bank account. I gave him my bank information and double-checked it with him, but the money never arrived. 
Citi has cheated me out of my credit balance. It no longer shows on my account online. What should I do?
My report has addresses on it that is not associated with me that I like to have removed. The addresses are listed below : XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA XXXX
They sent my debt to collections after I have paid on the debt. I received only XXXX notice that I had the bill in the first place. I have financial aid from the hospital who said they were going to call XXXX and tell I had financial aid. I have excellent credit and never had anything sent to collections in my life. I am so mad and I want it taken out like it does n't exist. I will scrape up the {$62.00} I owe somehow. How petty when they cashed my payment and still sent it to collections, unbelievable.. XXXX XXXX Check # XXXX XXXX XXXX XXXX
CRS called and threatened to sue me for a debt from almost seven years ago. Rep also claim to be from corporate of the original company. Lied about the time we spoke to each other and tried to use false legality to entrap me over the phone. I explained I was at work with limited time and she would not stop! 
From these numbers in voicemail XXXX and called from XXXX ( XXXX ) XXXX
I received a payday loan from XXXX XXXX back in XX/XX/XXXX I fell behind on payments and the account was sent to a collection agency Ad Astra I was contacted by them regarding the debt that was placed in their office by XXXX XXXX. I mad arrangements to pay weekly of XXXX. two weeks ago approximately I contacted them to let them know that I was off work to me being a XXXX XXXX XXXX and and I needed the payments to resume the following Friday after I returned to work. The rep put the payment in for the Same week which XX/XX/XXXX and not the following Friday. I received a call about the payment and I did let them know that I couldnt make the payment until the next week and let her know to put it in the for the next Friday. So as of right now the debt was put on my credit report as derogatory. Iam more then willing to pay it off but somehow it was a miscommunication on their end. I want this to be removed because it is affecting my credit negatively and resume payments so it can be paid off as I agreed to with no problem.
On XX/XX/XXXX, I communicated with my Loan Officer,  XXXX XXXX of Caliber Home Loans. 
We talked about locking the rate for the loan and we both agreed to lock it for 45 days at 4/05 % and I requested a lock rate confirmation from him. 
I did not get any lock confirmation from him so I called him several times and he did not answer the calls. I emailed him again on XX/XX/XXXX asking for my rate lock. He finally answered my phone calls and said he was just busy and he would send the lock confirmation. 
A few days later, I get some disclosure documents from him showing that my rate was locked at 4.05 % but on a 30 day lock. In effect he gambled on my rate and waited more than 2 weeks to lock my loan. 
What XXXX did was dishonest, unethical, irresponsible and dangerous. I think it is also ILLEGAL. A shorter rate lock period is cheaper than a longer rate lock period. If we had locked the lock on XX/XX/XXXX for 30 days I could have gotten 4 % or better. On the other hand with today 's volatility, if he had waited a week or two more, I could have lost the rate we agreed on and we would be talking of a much higher rate I have emailed his bosses but have not received a reply from them. 
This kind of practice should not be tolerated and XXXX XXXX should be held accountable for his actions. 
I would appreciate your prompt action on this matter. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX
This debt has been paid in full but is still on my credit report which needs to be updated to good standing and collection deleted off my report! My approval code given is # XXXX
When my information was originally leaked, they offered me Protection Services. I put a security freeze on all 3 reports and they let numerous inquiries still go through. I also have accounts that are not accurate, not mine and I'm not allowed to dispute them any further.
I am a victim of identity theft and have a fraudulent account and inquiries listed on my Equifax credit report. The following account and inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX, XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Capital One 's system locked me out of my account despite the fact it was at all times current. In fact I 've made a full payoff at the end of every month without exception. I 've spent the last four days trying to make a payment but the account is locked and nobody at customer service can do anything to fix it. In frustration, I called Capital One 2-4 times per day for four days to get the account unlocked - nothing. After my last call I decided I could only pay by check and then cancel my capital one credit card. 

If I ca n't make a timely payment then I will suffer damage to my credit score. I owe money but capital one is preventing me from making a payment, as absurd as that sounds. The customer service consists of numb people reading from their script unable to actually fix anything. Its a terrible terrible company. 

One person suggested that Capital One does not want the balance paid in full so they can earn additional interest and late fees. Like XXXX XXXX, Capital One appears to be manipulating its payment process to force higher fees and interest.
Contacted this agency to let them know one the amount that they were trying to collect was wrong. That I never received an amount close to that and that some of what I did receive was paid already. They did not want to here that and told me I had to pay all or nothing. Just dispute it. Which I have done to no avail. The amount is wrong and is almost double. I asked for a settlement and they said the settlement is the whole amount.
I emailed a cl add ( XXXX ) about buying tickets for the world series game and left my phone number in the message. The guy text me and I called him back. After speaking to him ( XXXX XXXX XXXX ) and him sending me the XXXX confirmation email for his purchase of the tickets, he said he would transfer in my name once he was paid. He said to XXXX him through friends and family and he gave me his XXXX address. I went ahead and sent him the {$2000.00} for 2 tickets. XXXX ended up blocking his account. Him and I went back and forth in text messages, phone calls, and 3-way with XXXX to get my money back from XXXX. I was assuming this was all legitimate since we spoke on phone and texts continually throughout the day. He asked me to pay him through XXXX since XXXX did n't work, so he could get the tickets over to me immediately so I ended up paying with XXXX a total of {$2100.00} with my credit card. XXXX called and text me stating he was headed to pick money up. I text him about 30 minutes later stating where 's my ticket information so I could print them out. I also called him and he said he was having issues with XXXX because he bought them with XXXX which closed his account. XXXX told me if he could not get them to fix the issue he would just refund my money, but to give him time cause he was on the phone. I kept texting him stating he was making NO sense about what he was telling me. After we got off phone I decided I was NOT going to deal with this and I just wanted a refund so I text him this. He text me back stating he would know if I could pick up tickets at the window by XXXX XXXX. I continued to call and text him all night about sending my money back and he refused to answer. I then called XXXX myself around XXXX XXXX and found out it was all a fraud transaction. I continued to text XXXX with no response throughout the night and into the morning with no response. I then contacted XXXX after XXXX XXXX hearing nothing from XXXX and reported fraud to XXXX. I also contacted the police dept in XXXX Nv where he picked up the money at the local XXXX and they said to file report in my home town which I did so immediately. Detective XXXX said nothing could be done about this transaction. XXXX has said nothing could be done about this transaction. I have since received a text from a XXXX stating XXXX that XXXX is in a coma. I told him XXXX needs to pay me my money back immediately and to call the detective