WillisBack/dataset-financial-user-claim huggingface dataset:
Commonwealth Financial is reporting on my credit report fraudulently in the amount of {$920.00} : * Were you named on the original contract with the original creditor?

* If not, do you have a contract between your company and me, signed by both parties?

* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
On XXXX XXXX, 2015 I faxed Chase and sent certified mail a " Qualified Written Request ''. On XXXX XXXX, 2015 I received a package from Chase that contained and account history that had XXXX items listed " NO XXXX '' even though I was being charged various amounts and Truth and Lending Statement that did not have my signature nor my husband signature on it. I called Chase on XXXX XXXX, 2015 and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX to find out, what am I paying for under the items on my detailed account history listed as " NO XXXX '', why the Truth and Lending did not have our signatures on it and why Chase opened XXXX accounts in my name on XXXX XXXX, 2015 and XXXX XXXX, 2015 which none of the above Representives could answer. During this time Chase kept reporting to XXXX which is against the law under Fair Debt Collection Practices Act and RESPA. I then sent them another " qualified written request '' on XXXX XXXX, 2015 certified mail. In XXXX I did receive several letters from Chase requesting more time and then on XXXX XXXX, 2015 I sent Chase a Letter of Denial for Extension under RESPA. On XXXX XXXX, 2015 I received a copy of my " qualified written response '' ( with no response just the copy of my letter ) and a copy of the written notes on my account. I can prove that Chase has fabricated half of the notes as I have all the actual recordings to these dates. Unfortunately your programs will not allow me to attach voice recordings but I will mail in the disc. Chase has written me that information on the origination of the loan, accounting and servicing fees, debits and credits, Mortgage and assignments, Attorneys fees, suspense and unapplied accounts, property inspection fees and servicing related questions are propriety or unavailable, and will not be provided. How can I pay Chase when they can not provide proof that they own my loan. Chase has also opened XXXX accounts in my name on XXXX XXXX, 2015 and XXXX XXXX, 2015 and they can not tell me why. What they are doing is criminal under the fair debt collection practices act and RESPA. I know that the CFPB do not represent the consumer but they must be stopped. How many other people are they doing this too. Please make them accountable for the same laws that we have to follow and there punishment should be the same as ours the consumer.
XX/XX/XXXX Dear Sir/Madam, This complaint is against my mortgage number # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, Arkansas XXXX After several attempts to get an explanation from my Mortgage Co. why is my mortgage going up? every 3 to 6 months ' it has gone up over {$300.00} dollars every 3 to 6 months with No  avail. I have no choice but to file this complaint, to get to the bottle of it. Every 3 to 6 months my fixed mortgage account is increasing with No explanation. I feel like I am being exploited by Arvest Mortgage. In XXXX ' I was paying {$3000.00}, okay, currently my monthly mortgage payment for XX/XX/XXXX is {$3300.00} over XXXXdollars more. 
I have talked with customer service XXXX, Manager XXXX, an supervisor XXXX got No help, was offered-no explanations given, basically I'm under the bus ' pretty obvious my account is not fixed I'm paying more then an adjustable mortgage account seriously I need some HELP ... 

Please audit my mortgage account ... 
Please follow my money .... 
Please audit my property taxes .... 
Please correctly asses my property value ... .. 

Regretfully,
I applied for XXXX XXXX XXXX XXXX. I was approved and denied financial aid. I was told to pick my classes and apply for loan. I ask them to look into my aid. After I attempt to get my book for the classes .To be told I had to buy the book out of pocket. I drop all the classes. To later get a bill and month later a bill from the collection company. I called Financial aid who agreed my aid was process wrong understood while I drop the classes. Advised me to all the student advisor to help me look into the debt
Back in XXXX XXXX, Freedom Mortgage was to close the refinancing of our mortgage loan. We started the loan application in XXXX XXXX and on the onset, our feeling was things were being handled and managed to allow us a closing date of XXXX XXXX. When there were delays due to operations issues with Freedom, we requested that all of these issues be resolved before the party involved in the transaction had travel plans and would be unable to postpone them. 

Needless to say, Freedom was negligent in responding to this and closing did n't happen on time for this party to leave for Florida for 3 months. BUT, to make a solution for all concerned, we moved the closing to XXXX XXXX and myself and my other half had to pay the cost of an airplane flight from florida to our home and then return back to florida. 

Needless to say, XXXX date of settlement came and there were again problems made along the way by Freedom that caused delays in settlement on that particular day of closing. They provided a closing cost statement without knowing all of the numbers on the itemized report and could n't explain it to us at Closing. It required further email follow up days after the " closing '' for anyone to provide the complete closing details to us. HIGHLY UNUSUAL for a Mortgage Company in the business of closing loans.
I noticed the account on my credit report. I disputed and XXXX XXXX responded with US Patriotic Act ( which details for the company to keep records ). 

XXXX XXXX has not validated or verified the account is mines.
Around the beginning of XX/XX/XXXX, I was contacted by Student Advisors who told me that they provided " student debt services '' and could get student loan forgiveness through them at a certain fee. Being deceived, I signed an online " contract '' w/ them to start using their services. Their " financer '', XXXX XXXX XXXX has since w/drawn {$130.00} twice, once in XX/XX/XXXX and once in XX/XX/XXXXwith a third w/draw scheduled to be w/drawn from my credit card on XX/XX/XXXX. I have spoken to a XXXX XXXX, an XXXX XXXX, an XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and a XXXX. All of them told me that the work directly w/ the Department of Education to get student loan forgiveness, and they were very deceiving and convincing. Seeking relief from student debt, I had already been contacted randomly inXX/XX/XXXX, by another " company '' that I forgot about, Student Advocates whose " financer '' is Equitable Acceptance. I have been making payments of {$39.00} ( sometimes a little more or less ) plus interest monthly since the above mentioned date. Being XXXX, I have sent both these companies copies of my tax returns, paystubs, as well as sharing private, legal information such as my Federal Student Aid ID w/ them after being deceived into doing so. XXXX XXXX XXXX claimed that they work directly with The U.S. Department of Education. Equitable Acceptance claimed that they work with my student loan servicer, XXXX. After speaking to XXXX, The Department of Education, and Federal Student Aid, FSA, they told me that they don't work with third part entities and that neither one of these companies have been in touch with them.
I received a summons from Business and Professional collections services in XXXX. 
- I called a few days later to discuss the debit. 
- I wasn't sure about the debt so I sent a " debt validation letter '' on XX/XX/XXXX. 
- I revived an itemized reply on XX/XX/XXXX - I called to settle the debt on XX/XX/XXXX, After some back and forth they offered to settle for {$830.00} and they wouldn't charge me ( filing and court fees ). I  asked for a few days to get paid and " check my finances ''. I used that time to contact the original hospital ( XXXX XXXX ) to  confirm that Business and Professional collections acutely controlled the debt. 
- When I called back on XX/XX/XXXX I was informed they has rushed out just after our call to get a " judgement ''. So now they want $ 200+ more! Once I wanted to settle in full they rushed out and increased the debt by 25 % to get more money!!! 

I feel there negotiations where not in good faith ; They created an artificial timeline and once they saw an opportunity they rushed to increase the amount they get paid. If you look at reviews of this place it seems this is a common business practice for them.
i have tried to shut off autopay on my federal loans but with no success. i recently paid my loans in full but they still took my autopay of {$140.00}. now my loans are over paid but they have n't returned my {$140.00}. i would like my money back with interest. i feel like if i borrow their money and they charge me the ungodly interest that they charge me that if they borrow my money, which they have, i should be able to do the same to them.
My Husband who was my boyfriend at the time was XXXX  in the XXXX and XXXX   XX/XX/2016 and had XXXX. He needed assistance for XXXX, XXXX, etc and could not be left alone. I lost my job to take care of him and help him with at home therapy. After becoming behind in payments with XXXX XXXX   I informed company I was no longer employed but wanted to pay and keep vehicle. But they wouldn't wait so had no choice but to let them come and get vehicle back. They repo truck i believe XXXX, and I became employed end of XXXX maybe beginning of XXXX. I was told i only owed around {$500.00} to keep vehicle from being repo. By then I had to get another vehicle to continue working so then i could not afford rent & bills, healthcare, new car payment and etc. They wouldnt wait and {$500.00} is what got my vehicle repo now the statement on the account shows sent to collections and the amount is different. It is negatively impacting my credit and keeping me from getting a home/mortgage.
Wrongful Foreclosure : Mr. Cooper foreclosure on XXXX XXXX home located at XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/XXXX. 
Ms. XXXX filed Bankruptcy Case # XXXX on XX/XX/XXXX ( Exhibit A ) Ms.   XXXX was informed by Mr. Cooper and confirmed that the foreclosure sale date scheduled for XXXX XXXX, was stopped due to the filing Chapter XXXX Bankruptcy on XXXX XXXX. ( Exhibit B ) On XX/XX/XXXX a representative from XXXX XXXX XXXX spoke to Mr. Cooper loss mitigation to check on the status of the loan : Called the lender. XXXX called Lender ( XXXX ) XXXX. I spoke with XXXX and XXXX in the foreclosure department. He said that the home sold on XX/XX/XXXX. I told him that we have a letter from them stating the the sale was postponed due to bankruptcy. XXXX then said he would transfer me the Bk dept. 

Spoke XXXX in the Bk dept. She also said that the home sold on XX/XX/XXXX. I mentioned the letter but she said she could not do anything else.
My concern is something I do not believe this agency addresses but needs to. I have no late payments. None! I pay my credit cards off XXXX, for years. I earn in excess of $ XXXX per year. My house is almost paid for and I have another home that has no mortgage that my parents live in. I present no credit risk what so ever. My debt to income ratio should be extremely low. Yet, XXXX credit agency, Transunion, has my score at XXXX. Why? The other XXXX agencies have me as high at XXXX and I think those scores are low. As a consumer, I have no way of understanding their computation and getting an answer from those people is not possible. In no way are these agencies focused on consumer protection. That is why the cfpb exist in part. It seems to me the credit rating agencies assess risk as related to credit payment history, income, ( it should reflect total net worth ) and other factors. If I am ( including all liquid assets ) in fact debt free, why are my scores so low? This cost me money. Is this all some sort of scam? A way for lenders to charge higher interest rates to consumers that are worthy of premium rates? Is there collusion between lenders and XXXX or more credit reporting agencies? Maybe the government turns a blind eye to this? I am by no means a conspiracy theorist but the amount of money that could be generated by falsifying or intentionally degrading peoples credit scores, must be massive. I will start a lobbying effort surrounding this and demand congressional hearings to get to the bottom of this. I assure you this letter/electronic communication will be part of the record, including you, the person reading it. I hope you have the integrity to work this issue to completion including escalating this issue as is appropriate. Any other action should be considered full involvement in a cover up.
On XX/XX/XXXX I took a taxi ride outside port authority bus terminal in XXXX, to XXXX XXXX Train station in NJ, the cab driver threatened to leave me stranded if I didn't provide payment up front. He pulled over after crossing the NJ XXXX toll close to the XXXX, he demanded my credit card upfront for payment, ( first my American Express ) he swiped it 2 times, one for {$700.00} which was denied for fraudulent activity, and then he swiped it again for {$870.00} which did go through, he lied and said it didn't go through and then demanded my other credit card in which he charged another {$540.00} ( including a {$90.00} tip to himself on my XXXX XXXX card and he also forged a signature that barely looks like a scribble. I have a copy of the receipt pull of the XXXX website, where there is a copy and clear proof of this, both transactions where made by different card readers, I never swiped the card myself, and neither did he give me a number or a receipt, again this was all swiped during the trip not after, and he did not meter the drive. I had Amex on the phone while he was still driving me and he was harassing me the entire ride, I made sure the Amex rep heard everything the driver was telling me. The rep was kind enough to stay on the phone with me for about 1 hr, because of the unsafe situation.
In XXXX I have never had a late mortgage payment. 
My payment is P.I.T. there is no in loan insurance. 

My present loan servicing co. ( ocwen ) claims, since they took over the loan, ALL payments for XXXX+ months have been late.This never happened. For XXXX+ months they have been harassing me to pay thousands extra. Because THEY made several mistakes! 
The extra amount they claim is due changes up and down by thousands every month or XXXX. 
I have figured out that they seem to lose track of customers payments all the time and do n't have employees that can read their " payments received '' list. 
Maybe they do n't have a " Payments received list '', but they should have XXXX since they are in the business of receiving payments. ocwen has a reputation of doing this to thousands of citizens regularly. 
This usually ends in ocwen FORECLOSING on people 's homes! 

I have sent them transcripts from my bank 's bill payer system ( XXXX bank ) showing all payments exactly on time every month. The payments are " Wired in '' so they can not " lose '' any of them ( they " lose '' payments regularly ) and they still keep trying to collect thousands in erroneous fees. 
I need this to stop.
I applied for a Home Equity Loan through Discover Home Loans and was denied due to the fact their appraisal found my home to be vacant. My home is occupied and can be easily proven. They did not allow to be to dispute this or ever send me a copy of the appraisal until after they had closed my loan. They have also disregarded all my documentation showing my residency and have not provided any information on why my house was labeled vacant.
Experian is a very difficult bureau to deal with the associates are very condescending and sarcastic and like to tell you they dont have the ability to fix any issues as per a conversation I had with a experian agent on XX/XX/XXXX and she hung the phone up on me as well .... 

Issue is they had a account listed in chapter XXXX however the chapter XXXX bk was deleted because it was not accurate, the had a account from a company called XXXX XXXX XXXX ACCT # : XXXX WITH NOW A BALANCE OF {$810.00}, problem is EXPERIAN had this account for 4 years listed with the notation : INCLUDED IN BANKRUPTCY however I called the company and they said that they did not give experian that information and thats inaccurate, Ill have a letter in a few days that I can upload stating this fact, from the creditor aka data furnisher ... when experian removed the notation they have incorrect data of FP on dates that is not accurate and they can not and will not verify, I asked them to delete the file due to false reporting on their part and not able to retrieve accurate information on a sabotaged file, they should have removed it asap
I received a call from a New York number claiming to be a process serving company and stated that I needed to call another number before I was served with a civil complaint lawsuit. When I called the number it turned out to be XXXX XXXX I spoke to a young lady who claimed I had a pending lawsuit in their office. I asked how I had a lawsuit from them and she its through XXXX ( SP ). I informed her I didnt know who XXXX was and she named off various communication companies they served. I then asked her how I owed them money and she said I owed it XXXX but if I didnt want to resolve it I could just wait to be served by my county. When I questioned her about the validity of the company she hung up on me. When I called back and asked to speak to a supervisor I spoke to a XXXX XXXX who claimed to be the manager of the young lady I was just speaking to. I asked her the same questions and she told me they did not have any of the information to verify I had an outstanding debt. When I asked when this debt occurred she said she did not receive that information. I informed her that I was told they were a law office and they were the ones filing the lawsuit. I again asked her when the lawsuit would be filed because I should have the right to know if someone is filing a lawsuit against me. She said I would have to wait until I was served and hung up. The third time I called I spoke to XXXX XXXX who also claimed to be a supervisor. I also asked him to provide me with something stating the validity of the debt and he claims that it was sent out on XXXX XXXX XXXX and was scanned at my mailbox before it was delivered. I informed him that I in fact never received it and asked him to resend me something in writing and he said he was unable to do so because I didnt respond within the 30 days. I asked him when the debt was established and he said XXXX XXXX XXXX and was open for six years. I informed him that I never had any phone service active for six years and I would like to see some proof that this debit is legit. He again stated that it was delivered over 45 days ago and he would not hold my account open another 3-5 days.
To Whom It May Concern : Tranunion did not provided the results of my late payment investigation with my Student loan Account : XXXX SS # XXXX Late payment in XXXX 2014 XXXX have intensely fraudulently remove my forbearance date and reporting 90 days late to credit bureau. In XXXX 2014, XXXX, backdated forbearance date. XXXX they removed it than reported late in credit bureau and than backdated forbearance date. 
XXXX or Tran union should not report to late payment. I paid as agreed upon forbearance XXXX Why Transunion did not provided response from XXXX? 
Transunion are not responsive
It 's hard to believe the some other debt services that do n't have a better system while some of us are paying who are paying our bills with our continued original debt collection services are getting calls like these when they do n't know we have already chose them to make our payments.
I contacted Experian via mail at XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/2018, alerting them to a paid for deletion account showing on my credit report, I also included documentation/receipts from the company reflecting account was paid for removal. I have not received any feedback from Experian. I have attempted to contact them via the multiple phone numbers listed, XXXX, XXXX, XXXX, and XXXX, I only recieved an automated message with limited options, stating to please try using online services for further assistance. I then attempted to complete an online dispute form but continually received an error message stating site was unavailable. It's been 45 days and I have yet to receive a response nor can I contact anyone to follow-up. 

XXXX XXXX, account # XXXX, the account is showing paid and closed, the account should be removed from my report.
I contacted this company after I noticed that there was a collection from them on behalf of " XXXX XXXX XXXX ''. I advised them that I had no business with that company and have never stepped foot there. Furthermore I advised them to forward any documents, contracts or agreements to prove the debt. A substantial amount of time has passed since then and the only update has been a note on my credit report. I have not received any correspondence regarding this debt as far as ownership and confirmed my address and contact information with them. This is a predatory practice that has had a financial on me and needs to be corrected.
I have made   XXXX   XXXX   withdrawal, amount :   XXXX   XXXX   on coinbase.com on   XXXX   XXXX   2017.
Coinbase website says : " Your  XXXX  will arrive by the end of day on Saturday   XXXX   XXXX  , 2017. ". It did n't. Transaction is still in 'pending ' state.
I have contacted coinbase support on   XXXX   XXXX   but did n't get any help. Money is still not transferred to my account.
I was refinancing my mortgage in XX/XX/ 2018 and my lender told me that there was an unpaid collection of {$1600.00} on my XXXX  file. I was provided with the contact information and the account number of the collection agency. I called the company and was told by the person handling the account that the money represented an amount owed to their client for towing and impound services ( apparently the vehicle was never retrieved ). I asked how they identified me as the individual owing the money and he claimed that they had obtained it from the Department of Motor Vehicles, He claimed that the license plate of said vehicle ( a XXXX XXXX ) showed that it was registered to me. I asked for the license plate number so that I could research said vehicle and he refused to give me that information so I was unable to contact the DMV to do research. Instead he told me I should go to the DMV and ask for a list of vehicles that were at some point in time registered to me. 

The facts are as follows : I have never owned a XXXX XXXX and I have never had a vehicle towed. I have no knowledge of this matter and I do not owe them any money.