WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased some XXXX and XXXX ( two different digital currencies ) through the Coinbase application on my XXXX phone. The digital coins were deposited into my account, and now the the coins can not be sent out to other digital wallets. Coinbase is effectively happy enough to take my money, but now it has been about a week and they still wo n't allow me to send the coins out.
To Whom it May Concern : I have been dealing with Financial Credit Network ( FCN ) for several months now. This is in regards to ( 2 ) accounts with them -- XXXX and XXXX. Please be advised I have MUCH documentation if requested. When I first received collection notices, I immediately disputed the attempted debts as 1- I had no knowledge of the presumed debt ; 2- the presumed debt did not belong to me ; 3- I did not agree to either of these presumed debts. I asked for ALL documentation listed above. I have sent ( 3 ) certified letters regarding each listed account. FCN says they have confirmed the debt, but has yet to show me ANY of the information I listed above. THEY HAVE NOT PROVIDED ANYTHING WITH MY NAME. Not one document. NOT one document stating that I had knowledge of the debt. NOT one document stating that the debt belongs to me. NOT one document showing that I agreed to this debt. They are unable to provide this documentation because it does not exist. The debt does NOT belong to me. I did NOT agree to this debt. I am NOT responsible for this debt. 
On a letter dated XX/XX/2018, FCN wrote " they confirmed when XXXX went in for services you told them your insurance would be paying. '' First off, I have NEVER spoken with anyone at that office. And secondly, when does " you told them '' count as proof even if it was true. The letter also states " Unless our office received supporting detailed documentation from you providing you not responsible for these charges, we will consider all these issues addressed. '' This is illegal. The burden is on them to provide PROOF that I had knowledge of, the debt is mine and I agreed to this debt. Again, they provided NONE of that information. And now they want me to provide detailed proof the debt is not mine. I sent proof ( 3 ) times in the form of disputes asking for ANYTHING that proves the debt is indeed mine. 
They have violated my rights, several times now by continuing to collect on debts that they have FAILED to show that I am liable for. They claim they have sent documentation, but the few papers they have provided, DO NOT SHOW MY NAME OR INFORMATION ANYWHERE. They have called me when I sent a cease and desist letter. I have spent time and money sending repeated letters that have yet to yield ANYTHING with MY name on it at all. They have threatened me with negative credit reporting. They have placed the burden of proof on me, yet they are a collection agency. 
I am looking for action. I am looking for immediate resolution in this mater. The resolution I am seeking is that this matter is dropped ( obviously ). I am looking that FCN is held accountable for their uncompliance with the FTC/FDCPA. 
Please let me know you need any correspondence I have received and/ or sent. 
Thank you for your attention to this matter.
I have been dealing with Security Finance for sometime and I try to keep my account up to date as possible. They are not very understanding and they are disrespectful. Some things that happen in life you have no control over. They will not accept partial payments and constantly harass you. My circumstances have changed and I ca n't afford the $ XXXX monthly but they do not care and continue intimidate you.
i tried to draw XXXX dollars from it after inwithdrew XXXX dollars drawer closed and i was shorted XXXX dollars after i appealed they still have not settled the problem and do not eve n bother to contact me and let me know about the outcome of their investigationi have had a large amount of money in checking and saving and at the point of withdrawing my complete accounty and transfering to another trustworthy bank please havethe courtesy to give me a call
I am a customer of chase bank. On XXXX a purchase was made by a customer for my company 's furniture, tv 's and supplies due to me closing my buisness. A check was deposited by the customer. The check was not available right away I had to wait for my bank chase to clear it first. Once chase bank cleared it the following day I made a withdrawal of {$3000.00} prior to the deposit I had {$2200.00} in my account. When I made the withdrawal everything on my account was fine. The following day I received an alert stating I was overdraft. So of course I contacted chase bank to find out what had happened. They informed me the check was returned and they had taken my money to basically make up the difference of the check to return. I then stated as a buisness owner and customer of yours I do n't feel that was fair first I have never had any checks return on my account second you all cleared it. I did my part as to selling my goods and expected to get paid for it in any case I am the victim. I willingly offered to send a invoice and pictures of what was sold and it was declined. I then said instead of taking my money why not open an investigation, I will probably never see this customer again you all have more access to their information then I do. They then told me I would have to be the XXXX to open an investigation. Now I know my money is insured so I asked to be transferred to FDIC hoping to be given back my {$2200.00} and was transferred but then hung up on so I do n't even know if I was even on the phone with FDIC. As a customer of a bank that is suppose to protect me and my money I feel this is very wrong and I am not going to let this go because it 's wrong. I will be contacting anyone possible that can help me, so this is my first stop. I 'm also gon na get in contact with FDIC myself.
I believe OCWEN Loan Servicing , LLC has committed robo-signing and mortgage document fabrication. In XX/XX/XXXX, I asked OCWEN a simple question " If I sell my house today, how much is the payoff amount ''. OCWEN told me a higher amount and that is when I became suspicious. 
I started to check over my documents and XXXX Office of City Register filed documents. I noticed there has been no assignor since XX/XX/XXXX after INDY MAC bank went bankrupted following the mortgage crisis in XX/XX/XXXX. It looked to me that no one owned the mortgage note and it was n't assigned to anyone. I told OCWEN that the mortgage was n't assigned to anyone and I asked them who is the owner of the mortgage note. XXXX told me that XXXX XXXX owned the mortgage note but when I called XXXX XXXX they told me they are not the owner or not affiliated with OCWEN in any way. So XX/XX/XXXX, OCWEN decided to file an Assignment of Mortgage which I believed is fraudulent. OCWEN, " XXXX '', XXXX XXXX XXXX, XXXX XXXX XXXX all share the same address. " MERS '' assistant secretary XXXX XXXX, who created the Assignment of Mortgage, does she exist. What is going on here.
For my York County Record, it says i have been confined for 90 days to 3 years than re sentenced to probation that is false i wasn't in prison at all i was on probation didnt pay my cost than re sentenced to probation. This is out of control this makes me look like a bad criminal. I wasn't ever in jail.
I have spent a year ( so far ) trying get all reimbursements due on an insurance claim from Seneca. They hold the money from the insurance during this arduous, redundant process and appear to be incapable of performing their responsibilities. Since XXXX 2015, I have been told 4 times that a check will be sent and still have not received XXXX. Each time I call, they are unable to track the check or confirm one was even mailed. Today I was told the same, the had to provide the loss information again so they could create a new " claim '' in order to generate a " draw ''. I have wasted way too much time trying to get this last {$100.00} from them and pursue this only as a matter of principle. I 'm convinced they intentionally make the process arduous in order to keep money as long as possible. This is just the latest problem we have experienced with Seneca. My previous compliant at least resulted in a positive change to make claim forms available online.
This company CBNA made a hard pull on my credit report affecting me by my score to go down several points i never sign up for nothing whit this people and there 's no much of info about this company CBNA XXXX XXXX, SD XXXX
XX/XX/2014 a collection for {$12000.00} was placed on my credit reports from an unknown collection company. I have no contract and not indebted or owe Stuart Lippmann anything. I had not signed or renewed a lease with the original creditor for many years. This debt was placed fraudulently on my credit report and it needs to be deleted off immediately.
This is the 3rd CFPB for my loan. reference case numbers XXXX and XXXX My daughter contacted US Bank a few weeks ago advising them, once again, that she was struggling to maintain the payments on this vehicle, due to an unforeseen financial burden. Story-her mother, was arrested and she bonded her out of jail. Her mother skipped court, and her bond was revoked. The bondsman, XXXX XXXX, sued my daughter for the responsibility of the bond totaling {$7000.00}, negotiating a payment arrangement of {$300.00} monthly until paid in full and/or her mother turns herself in. She asked US BANK for assistance with deferring the payments, and was advised very rudely that she does not own the vehicle, therefore, she can not request changes on the loan. She confirmed I purchased this vehicle for her, and she has been paying the payments for ALMOST 3 YEARS. EVERY SINGLE MONTH SHE HAS MADE A PAYMENT, whether it was the full amount owed or not. The woman advised my daughter that I would have to call and request assistance, but if I admitted that I do not make the payments, then I am not eligible to seek assistance either since I was n't making the payments. WHAT KIND OF XXXX NON-SENSE IS THIS. My daughter pays, but its not the loan, so she cant get assistance, I dont pay, but it am on the loan, yet i do not qualify for assistance. My daughter has worked for a mortgage company, for over 9 years, and they assist borrowers whom are not on the loan, all the time! They simply request verification of the non-obligor 's income and a written statement from both the non-obligor and obligor. WE ARE STRUGGLING and have made a good faith effort to ask for assistance. I am on XXXX INCOME, and only make an average of {$750.00} a month. This car payment is $ XXXX. How on earth could I afford living, and paying this vehicle. I guess I have to tell US BANK, I will figure it out. I have received a letter in the mail which states I have to pay $ XXXX by the XXXX or US BANK is threatening to repossess the vehicle. It will not be paid by the XXXX. I will make a payment of {$250.00} on the XXXX. US BANK responded and told me to contact them to ask for help, however, they will not help. I have already contacted them and I get the same story each time, by their unprofessional representatives. 

US BANK has charged me a total of {$550.00} since the month of XXXX XXXX. The attached payment history shows payments have been made every month! WE NEED HELP.
Capital One Auto Finance refuses to remove credit history of an old account paid in 2011. After several Good Will Letters explaining what caused the late payments and the current need to have it removed. They have denied my request several times. 
Also after sending all pertinent information of where to send response they sent to an old address listed in 2011 which shows they did not even read my request showing all updated information. 
Please help. My wife and I are currently XXXX and need to buy a home with my son and his wife so that they can help take care of our XXXX needs.
I opened an account with BMO Harris bank under a promotion to receive a {$200.00} bonus after a maximum of 120 days. Per BMO I was to use promo code " XXXX '' which would be automatically applied and " have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. '' Here is my timeline of events : XXXX/XXXX/XXXX - account opened with promo code XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - closed account I closed my account after 150 days and no promotion bonus was received. I contacted customer service via echat but they advised they were unable to assist.
On XX/XX/XXXX, I previously submitted a complaint regarding an Unauthorized Inquiry from Chase Bank on my XXXX  Credit Report via Complaint # XXXX. 

On XX/XX/XXXX, Chase Bank responded to that complaint advising that they sent information to XXXX  to remove this inquiry from appearing on my credit report. However, as of present, XX/XX/XXXX, the inquiry is still appearing on my credit report. XXXX  has stated they haven't received anything to remove the inquiry, I disputed the inquiry, yet chase says it's valid which contradicts the letter that they sent me confirming that they alleged they sent correspondence to XXXX  to have this inquiry removed. 

Please resolve this issue immediately per your letter advising that you requested the inquiry to be removed as per XXXX, they don't have anything from you supporting this.
Equifax was hacked because they failed to upgrade their software even though they were warned repeatedly to do so. As a consumer, I never gave Equifax the right to collect my information, but they were able to procure it anyway and then lost it to hackers that might use my personal information to steal my identity or for other, nefarious, purposes. 
Afterwards, I tried to freeze my credit with all three credit agencies because that is what experts were recommending online. Equifax said you could do so on their website, or you could call. I tried calling several times and spent a few hours on hold or keying through machine-routers trying to freeze my credit to no avail. Then, I caved and went to fill out their online credit freeze form. I did n't want to do that because Equifax had shown their inability to adequately secure consumer data, and I no longer trust their ability to handle web data securely. I work in XXXX, and I know that poorly maintained, old, websites, like the one Equifax operates, are likely easily exploited. However, I eventually filled out the form only for it to fail to load correctly. I had to go back and fill it in again. I still do n't know if my credit was frozen correctly with Equifax. The other credit agencies had online forms that were easier to fill out and worked properly. 

Clearly, Equifax has done damage to me. They lost my personal and financial information. They failed to protect my data. They failed to provide adequate resource. And as has been widely reported, they pointed people towards phishing websites even after they were hacked. They said they were providing free credit reporting to let you know if your data was being used, but there were reports that taking advantage of that offer would prohibit me from taking advantage of class actions against the company.
Navient is the second company that claims I owe XXXX  ( student loan ). The first company called XXXX, I paid for 5 years. I kept all reciepts to find out the company was pocketing my money. I entered a class action lawsuit after I won the company Navient appeared asking for debt that I paid. I do not owe any money and i would like to dispute such in court. I never got a chance to dispute now Navient is harrasing me at work
I am attempting to avoid a foreclosure sale. I have applied for mortgage assistance. I have received no written decision. If I was declined, I was not provided my 30 day right to appeal. If I was approved, I have not received my written approval.
I received a call from XXXX this morning they have been calling multiple times a day while I am at work. I let her know that I would not be giving out my credit card information over the phone and she became very aggressive not letting me speak and telling me that I was on camera and what not. She then began to state that my credit would be severely damaged and I would be sued. So unprofessional.
Experian makes it impossible to cancel monitoring accounts. While you can view your account on their website, they make you speak to a representative on the phone to get your account cancelled. Unfortunately, their " customer to service '' number seems to consistently have wait times over over an hour. I'm on my third attempt today reach someone right now, as calls keep mysteriously disconnecting. First two attempts reported " over 1.5 hour wait time '' and now its saying " over 1h45 wait times ''. Tying up my phone for half the day because they won't offer a convenient way to cancel your account is infuriating. Even more so since the call has disconnected multiple times now. If they truly were interested in customer care and were aware of these delays they could adopt a call system like the banks and airlines use that call you back when you're up in queue. This is $ XXXX/month of scams
Referencing the attachment on pages 5,6,7, & 8 under a microscope, Rushmore ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized Rushmore as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.
We filed Ch XXXX Bankruptcy in 2013 and included our Wells Fargo credit card in the bankruptcy. They are reporting it in the notes as a bankruptcy but are also illegally reporting a {$12000.00} balance which should be XXXX after the discharge of the bankruptcy. SEE ATTACHED DOCUMENT
I have contacted Navient on three different occasions this year ( not including my initial application ) regarding my current IBR loan payment that is causing serious financial burden. I have uploaded my income information and submitted the form requested each time only to again be told they still need my form or my income information again. 

XX/XX/2018 has been a very difficult year financially as I had major XXXX for XXXX and have been struggling to pay the medical bills that came with XXXX and at the same time pay other medical bills due to other XXXX XXXX issues. I supplied Navient with proof of loss of income for the almost 2 months and they ignored it and forced me into a forbearance rather than a financial deferment that I actually requested. To add insult the injury my loan jumped {$11000.00} plus in just one month prior to my IBR being renewed. 

The calculations that they claim are correct are not consistent with their own website when I use their online calculator to figure out what the loan would be I got different totals. The loan since this summer has been growing exponentially. Currently, there is a $ XXXX  monthly payment due that I can not pay due to the aforementioned, and I have again called and submitted additional income information, but I'm concerned that their games will negatively effect my credit in the interim. My monthly payment has never been this high in the over 10 plus years I've had the loan and with my income so low it doesn't make any sense that it should be this high.
My state tax lien is being reported on my equifax & XXXX credit reports. The reporting does not abide by the XXXX lien reporting rules, there is an incomplete social security number and no date of birth.
West Lake Financial.. This is definately the worst company that I ever came across. I finaced a car back in XXXX XXXX. They repossessed my car for being 31 days late in XXXX XXXX. I agreed to 24 months with the car payment, I was scheduled to be done paying for the car in XXXX XXXX due to the company adding insurance to the account. West Lake, never called me and informed me of any repossession order. When they picked up my car I was unaware I had to call the police department because I thought my car was stolen, they informed me of the reposession. All of my items were in the car, it took 3 days before I was able to get my possession out the car. I lost money, jewelry, and my car was ram shacked. 2 weeks later westlake financial told me my car sold at auction for {$4000.00} almost {$2000.00} more than what i owed. Therefore, they were going to send me a check for the remaining balance but i had to send them a payment of auction fees before they can send me a check so being young a naive i sent them the fees and called them back to tell them it was sent and the number was disconnected. For years I heard nothing from West Lake Financial. However, They are currently reporting a balance on my credit report of {$640.00} for auction fees. This company has harassed me by calling my job and my personal cell phone stating that I would be arrested if I did n't pay them. When I contacted them to pay the debt to have it removed from my credit report they refused to remove the account but would take the money. The company refuses to respond to any certified letters, but they still call harassing me for payment. That I do n't owe. I sent letters to both the direct company and their collection agency. West Lake Financial reports on my credit but another company handles their debt.
I overpaid by over {$1300.00} my Sam 's credit card which is financed by Synchrony bank on XX/XX/2017. I have made multiple calls to the bank to get the overpayment refunded back to my account. The customer service person said they ca n't refund the money back to my account, but they ca send a check in 15 days. This money have been out of my account since XX/XX/XXXX, today is XX/XX/XXXX, why have n't I received my refund. This is unfair to the consumers because these banks take the money out of your accounts in seconds, but it takes weeks for the consumer to get their money back.
I tried XXXX service for my family, I cancelled after 10 days of service due to bad signal strength, I paid over {$350.00} to return equipment and close account, 2-3 months later XXXX sends me to collections for usage of 10 days of service, I paid the usage fee on XXXX/XXXX/XXXX and balance was XXXX .... Today is XXXX/XXXX/XXXX and I am still showing an active collection account from GC services on behave of XXXX, after numerous calls hours of phone conversations with XXXX and GC, XXXX admitted that the balance is and should be XXXX from XXXX/XXXX/XXXX ... A supervisor from XXXX had me 3-way a phone call to Collection agency, but the collection agency disconnected the call and refused to speak to XXXX ... I am now being denied a mortgage loan because of this negative collection report .... Please erase this negative from my credit as I am trying to make the biggest purchase of my life and realize the American Dream at the same time, not only for me but also for my family of XXXX.