WillisBack/dataset-financial-user-claim huggingface dataset:
More than a decade ago, I began receiving debt collection letters and calls regarding a XXXX XXXX loan for someone with a similar name. Its not on my credit bureau. Its not identity theft. Its debt collector " skip tracing ''. I have received over XXXX calls and letters and I just received another. Every time I contact the collector they just re-sell the debt to someone else, for more than a decade. Then I receive a new set of calls and letters. Its been a dozen different fly by night collector organizations. The current letter is from First National Collection bureau. This is a long time harassment that I would like to see ended.
I already submitted a complaint, case number XXXX in XXXX. The debt collector agreed I did not owe this debt and removed it, and now XXXX XXXX ( which by the way is not a company that actually exists, and must be someone going around illegally trying to collect money ) has gone with a new debt collector. Their name is XXXX XXXX XXXX, XXXX. The client reference number is XXXX XXXX. I submitted a complaint against the other debt collector and XXXX XXXX XXXX XXXX, yet they seem to be allowed to harass me with a new debt collector. They are using my maiden name ( which has n't been used since XXXX ) and SSN. I do n't understand why this continues to occur, so can someone please stop this harassment? Thanks.
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information.
I am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments.
My husband deposited {$1800.00} through a Bank of America ATM on XXXX/XXXX/16. The deposit was done in cash. The ATM malfunctioned and only credited {$300.00} to our account. I have filed a claim and have gotten no where. The bank refuses to credit the missing {$1500.00} because, " the account is too new and you have n't had a large cash deposit before. '' They are refusing to escalate the issue. I have been told that the machine did not malfunction and it was insinuated that we were not being truthful.
To whom it may concern concern at CFPB, this letter is being sent in response to An Unverfied Anauthorize Collection Account that was placed on my Credit File with XXXX, XXXX and XXXX The 3 Credit Bureaus Repositories More importantly due to the Company XXXX XXXX XXXX, I never received Validation of this action place on my credit file no one Notified me via registered mail of this Unverfied Collection in my credit file Report XXXX XXXX, and XXXX.the alleged month and year XX/XX/2016 of amount $ XXXXplease be advised this Account was never Verified And because of the Derogatory activity It has done great damage to my credit score since this company never attended to contact be directly by USPS Mail.as to the authenticity of this Unverfied debt a notice was sent pursuant to the Fair Credit Collection Act ,15USC 1692g Sec.809 ( b ) that there claim was is Disputed, and validation was requested on my end since I was never informed of this unfortunate unverfied Derogatory marks I initiated a Request for Legal proof a request for proper documents and Signiture or contract, this is a Violation of the FCRAct Violation of Fair Debt Collection Practice Act Defamation of Character, I sent this request to XXXX XXXX XXXX XXXX  this account was Charged off in my credit report this invalidated Charge off has Drastically impacted my good credit and has severly tarnish my good credit history.a Defamation act a will full act by a company that refurses to validate this unverfied Account XXXX XXXX XXXX. use Predetory Collection tactics by continued phone messages that I recorded for my records as Documents For future Litigation If they continue there phone calls, to myself and my family I am a XXXX XXXX Veteran totally XXXX when a collection company calls and treatening messages of filing with authority and having my XXXX Wages Garnish this is against the Law in Violation of the Fair Credit Reporting Act : published and Unauthorized Collection In my Personal Credit File with out giving me a chance to challenge this erroneous Act. I do not take this lighty and I also believe my rights were violated the this unjustly act therefore I again Sent XXXX XXXX XXXX who I believe was Charged off and sold to a third party Collections agency Called Global Trust Management LLC. please note : I want this coming to stop with there Collection activity for 2 years this company Never attempted to Contact me only unlicensed phone calls if they continue I will seek Advice of an attorney. Thank you.
In XXXX of 2003 XXXX transfers, totaling about {$50000.00}, were arranged from a bank in XXXX, to banks in XXXX and XXXX XXXX. XXXX were unsuccessful, resulting in the loss of these funds despite {$60.00} in bank transfer fees paid. The sending bank, according to their printed wire receipts, indicate that mistaken and incomplete wire transfer numbers were used. Their reports indicate no problem with the transfers, despite the non-receipt by the intended recipients. Because no problems were evident on these reports, and the intended recipients had no basis to know to expect wire transfers, and no verification of these transfers were made, these XXXX transfers have been lost. Both the sending and recipient banks no longer have records, although printed records from 2003 are available. Direct contact with the sending bank has been unsuccessful in securing their cooperation in repayment of the lost funds.
Synchrony charges excessive late fees to their consumers. Not only that, but they add it to the balance owed so they add late fee on top of late fee with no option to negotiate a payment plan. This is how they want to make money. Their representative need better training also. They are rude, talk over you and are aggressive.
I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.
My identity was stolen. I have charges for XXXX XXXX. I contacted them to let them know it was fraud. I asked for a copy of the applications and or account used for the fraud as per my right under this department and here 's the response : The message sender has requested a read receipt. To send a receipt, click here. 


Dear XXXX, I did not speak with you earlier this week, and was not informed that your wallet was stolen. 

Since we are a law firm we must protect our clients information, but if the police make a request I can send it to them. Your name was not used and the card was provided as if it belonged to the person. 

We have already refunded the charges to your card. 

Warmest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Main : XXXX Fax : XXXX ****************************************************************************************************************************** This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The information being transmitted is intended only for the use of the individual or entity named above. If the receiver of this electronic transmission is not the intended recipient, please be advised that any dissemination, distribution or copying of this communication is prohibited. If you have received this electronic transmission in error please notify us by telephone and delete this message and any attachments from your computer system. 

****************************************************************************************************************************** From : XXXX XXXX [ XXXX : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : Affidavit of Forgery XXXX Per our conversation earlier this week, my wallet was stolen as was my identity. So I certainly do NOT know anyone by that name. 

Per the FCRA I am entitled to a copy of any and all applications and other business records relating to transactions and accounts that have that have resulted from the theft of my identity. Please consider this my formal request for records. I would appreciate the records being sent electronically via email so that I can turn them into XXXX Police. 

I will complete the affidavit this week and return to you. Do you require a mailed copy? 

I'm not clear why a refund would be issued. My bank has already flagged the transactions as fraudulent and reversed the charges. What I do need written assurance from your organization is that no further charges will occur. I've done extensive research on your firm and auto charging seems to be a matter of complaint regarding your offices. 

I look forward to receiving the copies requested and for this matter to be closed. 

Thank you XXXX XXXX
Hello, I am here to report CoinBase because I don't see any other way of resolving this. So I am a XXXX XXXX XXXX and make a living off XXXX. I enter trades on a daily basis and just like any other day I got on XXXX  ( the trading platform for Coinbase ) and entered and position which I was roughly planning on spending a couple of hours in. The following day, XX/XX/2018 I am told that my XXXX is temporarily suspended. After opening a few support tickets and calling them, I get an answer saying my account has been suspended due to a system error on their end and within 4 business days a specialist should review my account and allow me to trade again. Fast forward to today, XX/XX/2018 it has now been over 2 months and they now have stopped answering any of my support tickets and over the phone they only give generic answers and claim there is no supervisor or manager I can speak to. I can provide any type of proof of emails, claims, or anything you may need. The reason I stressed to them that this is a time sensitive issue, is that I'm in an active position, rather than sitting in FIAT ( USD ). This can also be seen as market manipulation and refusing to let me sell, let alone withdraw my funds. I have also participated in XXXX threads where there are thousands of angry customers with similar issues all helpless and not knowing to they can ask for help.
In XX/XX/XXXX my son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years XXXX XXXX sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXX and was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX   and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXX and they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time XXXX. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.
I am a homeowner in Massachusetts who has tried for over 2.5 year to work with my lender on both a modification and a short sale. There are serious issues with SLS on both accounts. There is NOW an AUCTION on my property on XXXX XXXX, this year. 

I was not given proper notice, the certified mail informing me of the sale did not arrive until after I spoke with my point of contact, who had informed me that there was still time to pursue a modification. 
The resolution process switched from a short sale to a modification. 
As of XXXX/XXXX/XXXX I was informed that there was no sale date scheduled. 
Although all documents are received by SLS and underwriting has started I am told that the date of sale leaves no time to evaluate my situation. 
SLS has been unable to contact me directly as the phone numbers on file were incorrect SLS has not had an up to date appraisal and is seriously overvaluing the property. 
- SLS has turned down XXXX qualified offers for a short sale I was never approved for the modification, so in XXXX of XXXX we decided to sell our family home. From XXXX of XXXX until XXXX of XXXX, we had submitted XXXX offers on our property from different buyers. In each case SLS REJECTED the offer saying it was too low. The highest offer was {$110000.00}. Our house is our family home, but needs work. The first counter we got from SLS was {$180000.00}. The next counter was {$150000.00}, and now in XXXX of XXXX I 'm being told the lowest they will accept is {$130000.00}. They are saying this last amount without having stepped foot inside this home since last XXXX. 
Where is the regulation on valuations? Why is it we can show proof our house can not fetch the value they want and they are allowed to force a homeowner to foreclosure? At what point over a period of almost two years does the lender realize the home value is not worth their required price? Why are n't we as homeowners allowed copies of their valuations? We are required to get an appraisal to get a loan, so why are n't we privy to valuations when they foreclose on our homes? If their valuation is being used in the determination to foreclose then I feel a citizen I have a right to that information and ANY information being used to make a determination to foreclose upon me. 
I have tried unsuccessfully for over two years to work with SLS, and before them XXXX XXXX XXXX. My loan was sold from HUD to some XXXX party investor, who has made it very difficult to sell. If my loan was still backed by HUD I would at least be given a copy of the appraisal, and they have clear guidelines as to what they will and wo n't accept for short sales. Since my loan has been sold, I have had no assistance with SLS. I will be forced into foreclosure, and I was never offered a Deed in Lieu, which is no better than the foreclosure, because there is no regulation on lenders over proper valuations. 


Respectfully XXXX XXXX
I am trying to save my home from foreclosure by applying for mortgage assistance and a loan modification. I sent my package on XX/XX/XXXX and was told it had been deemed complete and advanced to underwriting on XX/XX/XXXX with a foreclosure hold placed on XX/XX/XXXX. I was also told at this time that they are legally required to complete their review within 30 days. So I entirely expected to have this done and know whether I can save my home by XX/XX/XXXX or XX/XX/XXXX at the latest. Naturally I am concerned that the process has been delayed over a week past the legal deadline. But that is not why I am filing a complaint. I am specifically filing my complain against XXXX XXXX, the asset manager. I could understand why they might be a little bit behind, but XXXX XXXX is being deliberately non-communicative regarding the status of my modification. All I want is information -- a simple explanation of why my file is delayed and what I can do if anything in order to move my file from point A to point B. Instead I am getting ignored and even hung-up when I try to speak with him. This is not only unprofessional, it 's unethical. They are breaking the law by stalling the disclosure of my decision and I am entitled to know why, and they are doing this with utter disregard as to how this jeopardizes my home and livelihood.
For the past eight years I have been incarcerated. Just prior to my release the institution had us to check our credit reports. Upon doing so I discovered that there many accounts I could not have opened because I was incarcerated at the time. I sent off letters to the XXXX agencies and I have had a very hard time getting my reports. Experian refuses to give me a a report because they say they cant confirm my address. On XXXX occasions I have faxed them my bank statements both of which have my address. I also sent them a notarized affidavit signed by a prison official attesting to the fact that the address I gave them would be my release address and that there was no way I could have procured the credit because I was incarcerated. Experian and XXXX give me test questions to verify my identity however the questions they ask are based on the fraud items which are on my account hence I do n't know the answers. Furthermore it is my understanding that if XXXX credit bureau deletes an item they are supposed to notify the other XXXX bureaus so they too can remove the item this has not happened. On XXXX XXXX I spent the ENTIRE day on the phone with Experian and XXXX trying to get them to release a block that I asked them to put on. In the case of Experian once again they asked for documents to be faxed and once again I sent the bank statements, affidavits, birth certificate and social security card. On the XXXX I was trying to get them to lift the freeze so an employer could check my file and so that my family could assist me in getting a car. The Experian rep thought it was amusing and I assure you there is nothing funny about my plight.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
the creditor has contacted and spoke to us 4 times in one day and threaten us each and every time they call and talk to us.
COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( XXXX  EXPERIAN AND XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.
This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been owed.
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 
The debt validations were sent on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX
My Costco credit card was unfortunately transitioned from XXXX to Citi. I was enrolled in both e-statements AND autopay with XXXX. When the card transitioned, my balance moved to Citi and I was unable to access my account on XXXX. I waited until I received my new Citi card before I could set up online access with Citi. However, by the time I got my new Citi card and was able to set up online access, my payment due date had already passed. Citi never sent me a paper or email statement so I could pay the bill and I did not yet have access to the Citi website to pay my bill. Citi did not, however, port over my auto pay enrollment, so my payment is now late. I am trying to call Citi to resolve the issue, but I have been on hold for over 15 minutes without an indication of when I might be able to speak to someone. Citi does not offer to have somebody call me back once a call representative is available and they do not give wait times - rather, they seem to expect customers to wait on hold indefinitely to fix problems arising from their poor transition.
We are filing a dispute regarding the failure for XXXX XXXX XXXX ( XXXX ) to complete a modification review under Home Affordable Modification Program ( HAMP ). 
Our loan was originated in XXXX with XXXX Mortgage Company, which in deed makes our family eligible for the review of HAMP programs and all of the programs original intent and initiatives for benefit of homeowner such as myself. It is unlawful on multiple levels for our loan to be discriminated and excluded from review of such programs based on Ocwen Loan Servicing ( OLS ) being named as investor/owner for our mortgage loan. Although we are thankful for consideration and approval of a modification program, we are dishearten by the fact that XXXX, and OLS are purposely overlooking our family for a much more beneficial program than what has been offered on XXXX XXXX, XXXX. 
The reasons given for our multiple denials of HAMP not only are ambiguous, but also evasive and without detail or relevant cause and appear to be a ploy to avoid offering our family a deeper savings at 31 % of our gross income. My theory, is that both XXXX and OLS presumed the HAMP program to be dissolved at the end of XXXX, and the denials were a preemptive decision made prior to the FHFA 's announcement made that HAMP was being extended until the end of XXXX. 

Both XXXX and OLS, are major participants of the HAMP program and it is completely out of character of industry standards since XXXX and in the wake of both financial institutes losing federal lawsuits for thousands of acts of deception, abuse and fraud of homeowners nationwide. In fact there are still thousands of pending and unresolved lawsuits against of OLS. The lawsuits allege, among other things, that Litton Loan Servicing ( " Litton '' ) and Ocwen Loan Servicing ( " Ocwen '' ) engaged in a deceptive scheme to delay or deny permanent mortgage loan modifications through the federal Home Affordable Modification Program ( " HAMP '' ) to desperate homeowners, systematically breaching their contractual obligations to homeowners, committing deceptive trade practices, and causing significant financial harm. 

Our loan was approved of what 's called a XXXX XXXX XXXX loan modification, on XXXX XXXX, XXXX for a payment in the amount of {$1200.00}. Based on my gross qualifying monthly income of {$3500.00}, the payment equates to a front end debt to income ( DTI ) ratio of 36 % to 40 %. However, had our loan been reviewed accordingly for the HAMP program, our payments would be based upon 31 % DTI, equating to a much more affordable amount of {$1000.00}. 

We are seeking for our loan to be reconsidered for the HAMP program. We are seeking a more thorough and detailed explanation as to why we are being overlooked for a program that we rightfully should be considered and qualified to receive. This complaint will be forwarded to the our state attorney general as well as Michigan Department of Financial Institution for their review of my grievances.
I have requested Renton Collection XXXX to provide me with written statement of my debts via mail or email, they have refused to email it to me.
Firstpoint Collections is trying to collect on medical debts that were a result of medical fraud/identity theft. I have disputed the debt with credit bureaus but Firstpoint continues to verify when all they can really do is validate. the debt ca n't be properly validated because it 's a result of fraud. I have sent the necessary paperwork and have submitted the original police report but still no resolve. I 'm filing this complaint as non compliance under the FDCPA and FCRA