WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX originated the loan in XX/XX/XXXX-XX/XX/XXXX Then, XXXX XXXX went bust. They at some point sold the loan to XXXX XXXX, out of Colorado XXXX XXXX has sent the loans to collections via ACSI, who is threatening to retain my tax refunds. XXXX never notified me of default. XXXX XXXX never provided due diligence/process of reconciliation, forbearance, repayment options etc. This ACSI outfit, whose mailing is labeled from XXXX, OR, and Kentucky, but call center in Tennessee is the slimiest debt collection institution. The threats and harassment, especially of stealing tax returns is blatant. Obviously their debt was acquired through completely deranged and incorrect channels. XXXX failed to offer due process of loan recovery, as did XXXX XXXX. I have disputed the validity of the debt to asci. The operators at their institution asked me for my full social security number, which I found to be a fraudulent method of verifying identity. I explained repeatedly that I believe their collection to be invalid and illegal, and will only verify by yes or no the information they may have on file, but will not be providing my full social security to them. They mentioned today repeatedly being concerned about them potentially being sued for fraud. I elxplained to them that they should be concerned, as they are in fact attempting to collect a debt not originated by them. Essentially, they are parasites, exploiting loopholes in student lending laws, targeting specific individuals in the population, harassing me and others and threatening to steal tax refund. They may not be obligated to abide by student lending laws, but they are obligated and under duress of law to practice legal debt collection ( s ) i.e. Offering resolution, due process. At no point was any effort made by any of the three involved institutions to resolve the debt according to either student loan lending laws, or economic/debt collection laws. During last conversation, XX/XX/XXXX. They alleged to have placed collection in dispute and suspend collection effort. When asked to clarify what exactly " dispute '' means, representative of ACSI stated that master promissory note would be sent to me.
There was a total loss on my vehicle and Wells fargo incorrectly reported my loan past due and continues to report it past due. I spoke with the total loss department and it has been verified twice now they agreed to submit to the credit agency that the payments reported late were never late. I just disputed this on my credit report after talking to a wells fargo agent because she said that was the way to get it off my credit. They will send the request to wells fargo and it will show the notes that it was to be taken off. The only reason this account was considered late in the first place was because wells fargo incorrectly filled my loan documents out and could not provide my insurance company with a title so they withheld payment. My insurance company was ready to send a check to wells fargo about 7 days after the car was totaled. Wells fargo is reporting my payment 90 days late. All of the conversations are noted by wells fargo and can be confirmed that around mid XXXX i spoke with the total loss and they agreed the defaulted account was not my fault and would be corrected.
XX/XX/XXXX/XX/XX/XXXX- XXXX XXXX initiates a home refinance for XXXX XXXX XXXX with Citizens Bank . 
XX/XX/XXXX - Financial information regarding XXXX XXXX XXXX was requested by Citizens Bank for the completion of XXXX XXXX XXXX home refinance. IN THAT REQUEST WERE DOCUMENTS REGARDING THE LOAN AND FINACIAL/PERSONAL INFORMATION OF YOUR BORROWERS- XXXX XXXX explained to Citizens Bank that the property at XXXX XXXX XXXX was not his and he had no claim or responsibility for that property as XXXX XXXX was sole owner of that property. 
Citizen Bank replied that loan would not be funded without the information. 
XX/XX/XXXX - XXXX XXXX 's financial information was requested by XXXX XXXX for an unrelated XXXX XXXX matter, he specifically asked for taxes, payment history and insurance. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents for XXXX XXXX XXXX XXXX Citizens Bank so that his financial profile would be complete. 
XX/XX/XXXX XXXX XXXX of Citizens Bank found the insurance documents to be incomplete for his purposes and contacted XXXX XXXX insurance agent for additional information. He included signed authorization forms from his borrowers, but not XXXX XXXX. XXXX The insurance agent did not provide the information and contacted XXXX XXXX XXXX XXXX her that her information was being used to fund a loan for XXXX XXXX. 
XX/XX/XXXX - XXXX XXXX contacted XXXX XXXX by phone and email insisting that XXXX XXXX return her documents as she had not authorized any transaction for XXXX XXXX XXXX. She called and emailed XXXX XXXX and XXXX XXXX. 
I also contacted the Ciitizens Bank general customer support team and filed a complaint. I was escalated to the Citizens Bank immediate response team designated for high priority cases and filed a complaint. I contacted my bank, I filed a police report, I filed an FTC complaint. 
XX/XX/XXXX - After speaking with several Citizens Bank officials including the branch manager, Citizen Bank ignored my complaints and submitted the loan to XXXX XXXX for funding. 
XX/XX/XXXX -Citizens Bank admits in writing that they used the fraudulently obtained documents to confirm the financial integrity of XXXX XXXX for the funding of his refinance loan, but determined " I was not harmed '' and dismissed their responsibility in the identity fraud. 

I give up - I can no longer reason with a company that has no respect for the private information of its people and the people they take advantage of. I have posted all of the documents you have sent me on the web ( including the " request '' for additional information that your agent sent with the actual borrowers ~ name, address, ss #, telephone # etc ... ), the silly letters where you admit you used stolen information, the NUMEROUS notes that had you side stepping the direct question of why you used the information knowing it was stolen and every name of the individuals who I spoke to -- all of it. Several sites have picked it up because I am not the first person who has been a victim of your identity theft.
Not only is the debt not mine, it 's not my husband 's either. 

My husband ( only party signing contract and his credit card only card tied to account ) had a 1 year XXXX for me and his son that expired in XX/XX/XXXX. The XXXX moved several miles from our home so my husband blocked the card from being charged in I believe XX/XX/XXXX. I get a collection letter dated XX/XX/XXXX from First Credit Services , Inc. XXXX NJ, XXXX. My husband emails the club ( attached ) XX/XX/XXXX. No response. I called the collection service XX/XX/XXXX to dispute and told them was not a party to any contract, it had expired in XX/XX/XXXX anyway, and I stated I was disputing it. Now today XX/XX/XXXX it shows up on my XXXX ( other possibly ) They do n't care, they wo n't do anything at all. Have been on phone with them 4 times ( 4th time today ) and asked where was the contract I asked you to get. Answer, we 'll see what we can do. XXXX. They 're a scam holding my credit report hostage now.
SOLD MY HOME XX/XX/2016, PAID OFF XXXX AND XXXX EQUITY LINE OF CREDIT. TRANS UNION CONTINUES TO INCORRECTLY REPORT A $ XXXX + BALANCE ON MY CREDIT REPORT. FILED A DISPUTE THROUGH XXXX XX/XX/2016, TRANS UNION IGNORED IT. XXXX LAST REPORT, PAY OFF DOCS, TO THEM WAS XX/XX/2016. STILL SHOWS ON MY CREDIT REPORT & HAS AFFECTED THE COST OF CAR INSURANCE AND OBTAINING A NEW MORTGAGE. PROOF OF PAYOFF UPLOADED HEREIN. TRANS UNION UTILIZED FOREIGN CUSTOMER SERVICE. I WANT THIS CORRECTED ASAP. THANK YOU
I have contacted Equifax credit reporting bureau on several occasions regarding disputes concerning inquiries that were fraudulent or placed in error. I also contacted them regarding a collection account that was never verified after numerous attempts, in which they failed to remove. The collection which is listed under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have reached out to this bureau several times regarding this matter. I also sent them a certified letter by mail requesting proof of this debt in XXXX of this year and have never heard anything back from them. I 've filed several disputes with Equifax and to no avail, they all come back within 2 days confirming validity. I also disputed the inquiry with XXXX XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which is my credit union. I contacted all of these companies by phone to dispute this error and they all told me to dispute it with the bureau and they would remove these erroneous transactions which I never authorized but they always come back verified. I spoke with my bank on the XXXX/XXXX/XXXX to inquire about a inquiry and they also told me it was place in error they would be happy to remove it but they were never contacted by Equifax. Equifax is ruining my credit by not properly investigating my complaint. When I contacted Equifax to verify the method they used to validate these accounts, the representative told me they do not know what method was used. It is my right to know how the debt was validated but according to them I do not know. Equifax is not a reputable company and in their quest to profit, they are allowing these erroneous inquiries to remain on my report to benefit them. This is an unfair and unlawful practice that I will not stand for.
Something is showing on my credit report that does n't even report a name of a company. It 's showing as Not Reported. How can that be? How can that be considered validated or even verified? I really need help I have tried to dispute it with Equifax but no luck getting it resolved.
I paid my court debt in full onXX/XX/XXXX, prior to Alliance one garnishing my wages. On XX/XX/XXXX Alliance One issued the garnishment order and deducted wages until XX/XX/XXXX. Total overpayment amount {$790.00} I asked them to refund the overpayment. They did n't. XX/XX/XXXX they said they would transfer the overpayment to another case I am paying on. They still have not transferred the overpayment. Each time I make a payment ( monthly ) I ask them for my balance. They have not resolved the overpayment.
This now my 3rd complaint and the XXXX previous times OCWEN has told me they have addressed the issue when it has not been addressed. I have received partial answers and submitted my responses view this portal yet my complaint gets closed out with no resolve. My biggest issue is proving my actual debt yet every history I receive somehow does not include critical transaction like my misapplied payments and when they have been reapplied. I would like to have that addressed. I have also asked about the negative reporting against my mortgage. My issue is that negative reporting continues even while the debt is in dispute despite the fact that negative reporting is to cease when the debt is in dispute. I am a service member and was moved out of the home when I received orders but was trapped do to my developer going under. The reporting and the lack of transparent, clear answers is having a financial impact on me and now runs a risk of impacting my job through my clearance. I am being damaged because I am dismissed and have been dismissed while fighting this issue for years now. While things have improved as OCWEN has begun to come into compliance with the National Mortgage Settlement it still fall short. I am also still receiving collection calls while the debt is in dispute which is not supposed to happen and it has taken 3 months and several phone calls just to get an ESCROW analysis when I have n't received on in years. I appreciate what has been done thus far such as finally providing a case manager while falling short of the legal requirement for years but things are still not being met.
This is now the third complaint I have sent to CFPB after  Ditech.      For the same reason, there seems to be a concentrated effort to relay contradictory or false information to us. Today is   XXXX   XXXX   XXXX    , and we just got off the phone with them. On Friday,   XXXX   XXXX  ,  Ditech left  a door hanger saying call this number for important info regarding the loan. So we called. No answer and no response to calls and voicemails left on Monday the  XXXX . Friday we called. We spoke to an  XXXX , who was finally able to confirm they did receive loan mod docs but it was rejected. She said THEY NEVER RECEIVED ANY COMMUNICATION FROM  US  about a settlement offer. Which we have sent them multiple times! We even sent CFPB a copy the last time I issued a complaint. This is very stressful and to hear they have not received documents which they confirmed they have already received in the past is so frustrating for our family. We are truly doing our best to resolve this issue with  Ditech. Ditech k eeps changing the documents they received vs what did not receive. What can I do to get some consistency from the correspondence from them? This is a dire situation for our family and we are scared our homes. We are doing our best to comply wit h Ditech but  they keep losing our information.
Is calling several times a day. Caller refuses to disclose who they until i verify my identy. I refuse. Reverse number look up shows it is XXXX XXXX   debt collection. I have received no mailings from XXXX  XXXX about a debt. The demeaner of the person calling is irrate and rude. The calls are an annoying rate
the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.
I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. TRANSUNION HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.
Credit Bureau of Louisiana added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before the collections were reported. Credit Bureau of Louisiana put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I reported this to the XXXX and Credit Bureau of Louisiana responded that they allegedly sent a letter to an obscure address and because it did not come back, they can assume I received it. It was not sent by certified mail, which would give them actual grounds to say I received such a letter.
This account as a result of identity theft. I have trying to speak to these people and they are insistent that I give them money but I do not know them and I have tried to tell them multiple times at this is not my account they have called me repeatedly they have damaged my credit and I need this fixed immediately
XX/XX/2018 XXXX hrs - This person called me and was looking for my father. They would not identify what company they were from nor would they state the nature of the call. I assumed they were debt collectors. 

She then rudely hung up on me once I explained I wasn't my father. I called back to tell them that I was reporting this call and that I was recording this call. 

I have never seen or heard of any debt collector behaving in this manner. I am on the do not call registry.
XX/XX/XXXX I was wrongfully foreclosed on and evicted from my home by XXXX mortgage. The loan was an XXXX and the primary was settled and XXXX attempted to collect on the second. XX/XX/XXXX, I was contacted by I believe the state who was conducting a class action lawsuit. I subsequently received XXXX insignificant settlement checks from this suit. In XX/XX/XXXX I was contacted by a collection agency attempting to collect on this debt. I explained the history and explained that given the circumstances, I had no intention of settling the debt. This issue continues to resurface and impact my credit.
I am getting phone calls from Dynamic Recovery Solutions. They call on my work phone from XXXX or XXXX but have a call back number of XXXX. 

I checked my credit report and there is no outstanding debt. I have a credit freeze on my account and notification services if there is a change in my credit score or rating. 

I am very suspicious of this company posing as a debt collector and not sure how to prevent fraudulent calls posing as debt collectors when I do not have any unpaid debts.
I had the 3rd Party assisting me and ever since they tried to get my file submitted for review for a loan modification every representative with my lender and my foreclosure attorneys as well they gave XXXX XXXX the run around, one would say oh you need to speak to the lender and then other would say you need to speak to the foreclosure and trustee attorneys on this this went back and for XXXX XXXX as this is not how anyone lender is to run a operation with representative that throw you from one rep to another and now during all this time I was trying to save my home and in the meantime the placed a foreclosure sale date on my property for XX/XX/2018 and they SOLD my home after making so many attempt to get one person with me XXXX XXXX XXXX XXXX and my foreclosure attorneys to at least listen to me and they would not even listen to a XXXX party and I now lost my home due to the lender and the foreclosure attorney negligence, when all I was requesting was to apply for assistance they would not even place me in review al they wanted to do was sell my home.
I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.
I have went to numerous Wells Fargo Bank XXXX locations in Minnesota trying to open up a checking account with Wells Fargo Bank, but Wells Fargo Bank refused to open a checking account for me because of a fraudulent checking account someone who stole my identity opened up with XXXX XXXX. I sent numerous letters, copies of personal identification and police reports informing Wells Fargo Bank, I am a victim of identity theft. Wells Fargo Bank cleared my name, but wo n't open up a checking account for me all because XXXX XXXX notified Wells Fargo Bank about me being a risk because someone who stole my identity opened up a fraudulent checking account with XXXX XXXX using my personal information and made fraudulent transactions with the XXXX XXXX checking account.
In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations. The said debt has been sold or transferred from XXXX XXXX to the above two companies and none is willing to provide any valid information nor abide by the law of the land.
My complaint is against the credit agencies, XXXX, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account.

6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account.

8. Proof that you are licensed to collect in my state.

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.
Ocwen loan, the owner of my mortgage stated I did not have insurance on my condo. I pay monthly condo dues that include insurance. The insurance is through XXXX XXXX and has not changed in years. Ocwen, out of the blue and unfairly, is stating I must pay them for insurance. I notified them in XX/XX/XXXX and they were rude and did not care about this and only wanted me to pay the arrears. I have not missed one of my {$300.00} payments. I additionally have a cease and desist order on file and they have continously harrassed me with calls to my cell phone.
Upon checking my credit file Equifax deleted my accounts that should be on my credit file. 1. XXXX  credit card 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX these are all of my credit cards that have positive ratings this error has caused my credit score to drop 110 points. This is unacceptable
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXX.
I was reviewing my credit report and I saw there was a {$100.00} debt from a debt collector for a co payment that I owe. I was shocked because I never received anything to pay the {$100.00} and no attempts to call me before they will report to my credit. I thought the debt collectors have to send you something in writing before they can do anything and give me the option to dispute if I choose. I received nothing!!!! I think this would be a violation of the FDCPA.
I have a collection account with XXXX XXXX for {$300.00} ( Acct # XXXX ) which appears on my Experian Credit Report. This account was paid in full many years ago and it was never updated as paid.
I 'm learning that XXXX XXXX XXXX got on my registered deed action chain on XX/XX/XXXXMortgage fraud was record XX/XX/XXXX. I were scammed out of my house by XXXX XXXX XX/XX/XXXX. He claims he made a bank buy from XXXX XXXX  Please present in writing to the CFPB what role did XXXX XXXX XXXX play in this transaction. <P/>Please refer to the XX/XX/XXXX letter from the OCC case XXXX.