WillisBack/dataset-financial-user-claim huggingface dataset:
Prior to XX/XX/XXXX, i received a call and a letter attempting to collect a debt that had outlived its statue of limitation. I wrote the company and asked them not to contact me again. Today XX/XX/19 they called again.
XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015. The amount XXXX XXXX is reporting is incorrect {$1000.00} is totally ridicules, I have never owed that amount.. 
i sent this complain to XXXX and XXXX XXXX.
Once again for about the 8th time this year I am registering a complaint against Ocwen. They simply refuse to contact my XXXX to have them refund the money that that illegally sent Ocwen to have them ( Ocwen ) pay my XXXX. over {$27000.00} from an illegal and bogus bill that my XXXX sent them while this was being disputed in the court system which had not even been settled yet. And it was settled out of court and the XXXX was entitled to no penalties or fines for which they were paid from Ocwen anyway. 

Ocwen is constantly being sued and loosing on near daily basis for illegal activities. The SEC may also want to get involved with this investigation because I believe their stock is being manipulated too. Ocwen 's stock has went from an all time high of approx. $ XXXX per share to approx. {$6.00} per share for no reason. They constantly rip consumers off who probably do n't no better and disrupt peoples lives on a daily basis. As of right now Ocwen has completely ruined my credit along with my XXXX XXXX XXXX XXXX and their law firm XXXX XXXX XXXX. This needs to be addressed right now before Ocwen goes out of business and I am left without a home because of XXXX and XXXX XXXX condo assoc. nonsense and illegal activities. 
Also, when I look at all of the complaints on CFPB, Ocxen seem to have far more complaints than any other mortgage/banking firms operating.
My wife and I were victims of fraud committed by XXXX XXXX XXXX. I had approximately twenty accounts go into collections because of them. They charge us a fee and made a promise to help us with a debt consolidation. They did not do anything and because of that, I fell into a lot of bad debt. I tried fixing the accounts but they just wanted part or all of the money that was owed. It was too much and so I only fixed what I could and the rest went into collections. I have been paying collection agencies and making settlements but they have not updated the credit reports. I see a lot of negative remarks that are not suppose to be there. Before XXXX XXXX XXXX my accounts were in good standings and global client solutions ruined my credit. I need it fixed or eliminated. The accounts that I already paid should be erased, I did not recklessly do this, the company that I trusted to do a job ruined me and my wife. I need to know what to do or how you all can help me. Like I said, the accounts have payment arrangements but they are not getting updated in the three credit bureaus. Please help.
I've contacted the store regarding a wrong payment schedule. I was told the issue would be resolved. Two payments later the issue still wasn't fixed. These wrongful payments caused fees to my account.

On top of the wrongful payments, I was also made aware that my privacy had been violated. Staff members were discussing my account information in front of a customer that happened to be someone close to me. When speaking with the District manager and also the President, I was told the situation is being handled ; although I'm not very convinced. 
This company needs to better train their staff on how to uphold customers privacy and also professionalism.
This Debt was is not owed and listed under XXXX of XXXX and I am on XXXX and all labs are paid for each visit and I talk to lab first and they said all my debt was paid in full, but the collection company Medical Data Systems Inc wo n't take this off my credit report and I have called them to get them to call the creditor and they want do it and I ca n't get them to do their job by checking information correctly because it appears on my credit report.
I have been attempting to get my home sold on a short sale for 21 months. I keep submitting complains and they respond but it is not resulting in an approval letter for any of the short sale offers being Approved. The latest issue is the bank did a BPO about 2 months ago and it came back at XXXX and we had a short sale offer for XXXX and the bank rejected the offer saying they want a counter offer. How can you reject an offer on market value and you are the one that determined the market value? This is outrageous! The other issue is that it take almost 3 or 4 weeks to get an approval or rejection letter. We have already lost one buyer because the approval process takes so long. We just submitted it again today ( X/XX/2017 ) telling them that the buyer is not going to pay over market value for this property.
Today, I tried to log into BOA online to check my account. It would not let me in. When I tried to get username and password help, BOA sent emails to accounts belonging to other people. When I called BOA, they said they were aware of the " glitch '' and not sure why it was not yet fixed. Why is BOA allowed to have a " glitch '' that sends my information to someone other than me without my knowledge or consent?
I opened a XXXX 's account under the impression that I was able to use it for a purchase. They were unable to honor the purchase, and I told them to close the account. I was just sent a statement of my new credit card.
Informed them i 'm having trouble paying and to submit account into collections ... .. they call about 5x a day they even came to my home in person which is not ethical
About ten days ago ( XXXX XXXX, 2017 ) and again today ( XXXX XXXX, 2017 ), I received two phone calls with voice-mail messages left on my phone. Caller is male, sounds foreign ( XXXX? ), identifies as " XXXX, with ID badge No. XXXX, calling from Americollect.com ''. He claimed he was calling " about a debt '' but did not specify what or owed by whom, and left a return number of XXXX. XXXX invited a return call or to chat online with him at XXXX. <P/>I have no debts outstanding in any delinquent status, so this sounds like a scam.
I spoke wit h Oliphant Financi al on  XXXX , I tried calling for 3 days so I finally left a message on  XXXX  and they called me back. I spoke to them about paying {$100.00} on my bill and they said yes, and I set up {$100.00} payments through  XXXX . They took it upon themselves to take {$300.00} out of my account and I am stuck in North Carolina when I live in california and am suppose to leave tomorrow. My bank can not do anything at this time and oliphant financial closed before their designated time. I am very upset that they just helped themselves after stating on a recorded line that {$100.00} was the only authorized total that was suppose to be taken out of my account. I did not authorize {$300.00} after the {$100.00} was the authorized.
I DISPUTED THIS WITH  XXXX  CREDIT BUREAU REGARDING CREDIT MANAGEMENT LP DUE TO THE FACT THAT THIS COLLECTION AGENCY IS STILL REPORTING THAT I HAVE AN OPEN ACCOUNT UNPAID. THE CREDIT BUREAUS INVESTIGATION WAS VERY POOR. I HAVE A RECEIPT LETTER AND I HAVE A BANK ACCOUNT SHOWING THAT THIS WAS PAID IN FULL. I DISPUTED THAT I WAS NO LONGER LIABLE AND THAT IT WAS CLOSED. I WILL BE FILLING A COMPLAINT TO  XXXX  AS WELL FOR NOT DOING THERE DUE DILIGENCE. THIS COLLECTION AGENCY IS STILL LYING AS YOU WILL SEE BY THERE RESPONSE TO THE CREDIT BUREAU.
XXXX XXXX was doing bad business. Only providing the signature page to sign but not providing a copy of the contract for the consumer to be aware of the policies of doing business with said company. I asked for a copy of the contract upon signing and I was delayed and dismissed to pack away my belongings in storage before they close. Then later told by XXXX XXXX the office has already been shut down all systems are off. I can get the contract when I come back another day. Upon the first attempt to pay for the storage unit, my account acquired fees that were not made clear upon entering the contract. I was then told they do not accept partial payments, although just {$10.00} short, they refused payment. By the next bill cycle the amount doubled with legal fees, etc. I was threatened my items would be auction next. XXXX XXXX was informing me that's why he is in he office at the moment, to prepare paperwork for units to be auctioned. My unit was put for auction and I petitioned an Order to Show Cause in XXXX XXXX Small Claims Court. I was sent an e-mail from XXXX XXXX manager of XXXX XXXX on XX/XX/XXXX to collect my belongings by XX/XX/XXXX at no charge. I received my things within the time frame given, I asked for paperwork for all the transactions between me and the company. I was denied, told by XXXX XXXX I have my belongings no further actions will be taken. I can drop the case. Then XX/XX/XXXX I started receiving letters stating I was in collections with Credit Protection Association L.P. I have notified them in writing in regards to matter. They will not cease and desist.
In and honestly XXXX move I was in desperate need of a loan and I did n't have much time to secure the funds. I blindly took out a loan from XXXX XXXX XXXX for an amount of {$200.00}. The monies were credited to my banking account on XX/XX/XXXX. Since XX/XX/XXXX I have paid XXXX XXXX XXXX a total of {$980.00} with 8 payments still remaining of {$56.00} every two weeks. This means that I will have paid them back in full at a rate of 749.98 % with a monetary value of {$1200.00} on a {$200.00} loan. Since the Inception of this loan I have been informed by a very close friend who is employed by the Attorney General 's office of Pennsylvania The Honorable XXXX XXXX that online /payday/ tribal loans are illegal in the state of Pennsylvania where I reside. To date I have paid the loan back almost five times over the initial amount. In my opinion I feel it a fair resolution to this situation is that the loan be considered paid in full because in reality it has been many times over. Even if I were paying 50 % interest the total amount payback would only be {$300.00}.
m writing this complaint as my second complaint against both Transunion and XXXX  credit bureaus because I have noticed a incorrect fraudulent bankruptcy that is reporting on my credit file within their bureaus and I have asked for them to dispute the information and to ultimately remove this information from my credit report. I have been informed by both bureaus that they have received their information from XXXX XXXX and they claim that they have verify this information. I have been in contact with XXXX and have recently discovered that my file is frozen and has no information to report as well as they have not had an inquiry done by these credit bureaus. I am requesting that they eat mediately remove the chapter XXXX bankruptcy that is reporting on my credit files with in their bureaus immediately. Power of the federal credit reporting act this is a violation and it prevents me from furthering my credit score which I am entitled to do as a consumer, my information should be correct and report it correctly, I should not have to fight with these barrels for over six months to remove something fraudulently when there is already a police report in my file.
Between XX/XX/XXXX and XX/XX/XXXX I sold roughly {$600000.00} worth of Bitcoin on Coinbase 's exchange XXXX. Anticipating the sale, I previously requested to raise my daily withdrawal limit on XX/XX/XXXX. Since that support request I have received no communication on my request and it is in turn causing me significant complications in my life not to have access to MY money. 

Coinbase has clear directions not to submit a duplicate support ticket for the same issue, however I did reach out to a representative that is active on XXXX to see if he could look into my issue but there was no return communication. Their support line is impossible to get through on as well. I feel that I have exhausted my options from an unresponsive company. 

Coinbase is effectively holding my money hostage as a XXXX interest loan. I bought a house in cash with a closing date on XX/XX/XXXX and I am forced to take out a loan in order to pay for my house now resulting in unnecessary interest fees. Furthermore estimated taxes are due on XX/XX/XXXX and I will be unable to pay the full amount most likely resulting in penalty fees. Both of these things are putting economic strain on my life.

I 've been a customer of Coinbase since XX/XX/XXXX and I 've submitted all proper documentation, I 've also been a consistent customer establishing a known banking relationship with them. It is absolutely unacceptable that they are not responding to my support request and furthermore that they are even legally able to hold money hostage like they are.
Multiple constant calls by robo dialer calling and hanging up constantly at XXXX seconds or XXXX seconds, leaves vmail once on occasion this a debt collection company information is given as follows E.G.S XXXX XXXX XXXX, XXXX PA XXXX. the company is using a number that is blocking caller id and comes up with only XXXX and number unavailable information was retrieved on company via voicemail message left one time on recording and third party contacting company and obtaining information about the company. -company refused to provide legal compliance information as well., on each day in XXXX starting on XXXX XXXX XXXX XXXX called again XXXX XXXX, then on XXXX call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, on XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX XXXX XXXX second call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX pm XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds ... .. The calls are Repeat and autodialing they are also blocking caller id and attempting to harass contact by repetitive calling and harassing these violate multiple FTC, FDCPA, CFPB Laws in accordance with the LAW.
I can do this all day Citibank .... 
I'm responding now to their complete and total lies regarding their " investigation '' this is their response. 

Company 's Response Sending letter to reinforce the decline of credit for the {$12000.00} XXXX XXXX charge. Explained a {$16000.00} payment was received on XX/XX/XXXX and on XX/XX/XXXX was advised that a hold was placed on the available credit limit until XX/XX/XXXX, after the payment cleared. Explained on XX/XX/XXXX, when a {$7000.00} XXXX XXXX charge was attempted, passed our Fraud verification process and confirmed the charge was legitimate. Explained on XX/XX/XXXX, a {$12000.00} charge was declined at XXXX XXXX CT, which is XXXX XXXX PT and during a conversation with Citi at the XXXX XXXX Fraud verification process was passed and the charges were verified as legitimate. Reinforced due to the inconsistent information provided regarding the time frame in which claim of wallet and phone missing and because previously dealt with the merchant, the balance is considered to be valid. Regretted response to attorney was delayed and explained it was just received in office. Confirmed name and address were removed from solicitation lists but to allow 30 days for that to take effect. Sending letter to the attorney to reinforce the decline of credit for the charge. 

MY REPONSE Good job you explained I pay my bills ... I hope you enjoy the {$16000.00} I responsibly paid you guys. I never called you guys about a XXXX dollar transaction. Seems like a made up lie. But if you say I did can you tell me if the person who called knew my social and my password??? On XX/XX/XXXX I never called you guys about spending XXXX on XXXX  products. Can you show me the transcript of the person who called at that time? did they pass my security word and know my social? XXXX XXXX of Citibank said that the person who called did not know my social security and they also didn't know my password. You fools cant even keep your story straight. I never have done business with the XXXX XXXX in my life .... but suppose I did ... what does me doing business with a company have to do with fraud happening at that company? If I shop at XXXX all the time and somebody steals my credit card and uses it at XXXX does that mean I'm responsible? very foolish argument. I will write letters to you all day long every single chance. Good luck selling my debt to collections they wont want it based on the evidence I have, and the fact that I was at work 2 hours away from the location my card was used at. Best give me my money back. I also got another letter in the mail for taking a loan to pay of my Citibank credit card debt along with harassing phone calls ... Each phone call is documented and will not look good for you in court. If I don't like your response Ill send ANOTHER response. Eventually you guys will get looked into for your fraud.
My Equifax credit report is n't refreshing or updating even though my creditors are updating my payment information monthly. This has cause me to have a low credit score as the last time that Equifax updated my information was in  XXXX . My Equifax report number  XXXX  shows accounts as not paid that have been paid in full. It shows collections that have been sent for deletion by the creditor. I have contacted my creditors and they have all stated that they have sent the deletions through to the bureaus and have update account information such as payment history and balances as well, all other bureaus have updated the information but Equifax continues to report bad information and inaccurate information. I have contacted Equifax a tota l of 36 times wit h each time they assure me that the information will be updated and to this day it still has not. Today i called and the representative stated that if i had an issue i should call  XXXX  a number that referred me to a credit counseling agency, obviously not what i need. I need my information to accurately reflect what the creditors are reporting and for my information to be fresh not as of 6 months ago.
I applied for a Bank of America rewards card. The terms were 13.99 % to 23.99 % depending on your credit. My credit is Excellent and over XXXX. When I received my credit card the disclosure showed my interest was 23.99 % I called customer service at Bank of America and talked to someone in Maine on XX/X/17. I asked her why my interest was so high when I have great credit. She tried deflect and said well it 's interest free for one year. I again stated to her that the web site said 13.99 to 23.99 and wanted to know why my interest was so high. I told her this was misleading and wrong. She stated she could not do anything about it. I told her I would never do any business with Bank of America. Is this a big deal maybe not. I am complaining for the people who do not look at the fine print and before they know it they are in financial trouble.
XXXX XXXX  Visa cash reward card XXXX XXXX XXXX XXXX You can publish this. I cancelled the card
I have a Home Depot card which was issued by Citibank in XX/XX/XXXX. Card was being handled by XXXX XXXX and collection since XX/XX/XXXX. I was making payments to XXXX each month. 

In XX/XX/XXXX, when i saw XXXX was no longer making automatic debits from my account for the payment, i contacted Citibank collection services at XXXX. I was told Citibank had taken over this account from XXXX XXXX as it has passed its statue of limitation. After repeated requests to Citibank, they are refusing to issue me a letter explaining what the status of my account is with them and what my rights are. 

Everytime i have called i was put on a collection s [ specialist overseas who refused to let me talk to a supervisor. My account number with Citibank is XXXX. My contact number is XXXX. Thanking you.
I purchased a mobile home in XXXX. Made every payment, never late, and in XXXX paid it off. Green Tree claimed I owed for insurance they had placed on the home previously. I kept homeowners insurance on the property the entire time, for the value of the home as per the contract. Green Tree said I had to have insurance to cover the loan amount, but the contract did not say that. I refused to pay, and later that year they repossessed the home. I contacted Green Tree and requested to know how much they sold the home for, and they refused to provide any information. This was the last contact I had with Green Tree. In XXXX, I found out Green Tree had contacted my father. In XXXX I was XXXX XXXX XXXX with limited credit, so my father co-signed for the note. My father had his own loan with Green Tree, and I found out they contacted my father demanding payment of {$1500.00}. or they would call his current note due. My father paid {$1500.00}. to settle the claim without my knowledge. 
On XXXX XXXX, XXXX I received a XXXX from Green Tree, now doing business as DITECH Financial, claiming they discharged {$5700.00} of debt I owed. I contacted them at the number listed on the form. 
The automated system requested my account number, so I provided the one on the XXXX. It said the number does not match any acct. 
It then asked for my SS #, which I provided. It said No Acct exist for this number. Finally I spoke with a representative. She could not provide any information other than to say I must have owed money sometime a long time ago on a mobile home. I claimed I owed nothing a and requested that she verify the debt, and she said those records do n't exist any more. I told her that was n't acceptable, that I did not owe anything to Green Tree, and unless she can provide me proof I wanted this XXXX corrected. She told me I must have owed money from a long time ago, and they decided to write it off on XXXX, so she refused to do anything. Once again I requested some proof I owed Green Tree anything, to which I was told the account and those records do n't exist anymore. 
How can a company, without proof or documentation randomly place an XXXX burden on me with a XXXX for any amount they make up? I 'm guessing Green Tree does this, and then claims the deduction on their Federal Taxes, so would n't this be Tax Fraud? Even though they have n't tried collecting this amount from me, by filing the XXXX they have placed the debt on me unfairly, causing me to now owe the XXXX portion of this undocumented debt. 
I think Green Tree is guilty of criminal activity, and ask that a formal investigation be undertaken.
Trans Union -- what a wonderful company ( lol ). Will not give me my free credit report for the year unless I pay for it. Trans Union online dispute form is always down and will not allow me to sign in or sign up. The security questions I have to answer truthfully are not factually correct to access my free online report. So when I answer truthfully then Trans Union claims I am not who I say I am. There are many problems with Trans Union. I ca n't be the only consumer to complain about Trans Union and these issues. XXXX/XXXX credit card has been closed by me for more than 10 years yet XXXX and Trans Union refuses to delete this from my credit report. In the meantime Trans Union denies me free online access to my credit report as well. Why? Trans Union, a XXXX XXXX XXXX taking advantage of the consumer.