WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent letters repeatedly to Equifax, XXXX, and XXXX  asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
I called FCO and spoke with a XXXX XXXX I asked for something so I can see if this is our debt or not the CSR kept trying to verify over the phone and make me state that it was my debt. I told him that I do not know what this I want something sent but he was n't trying to me anything until I verified if it was mine, hence me needing documents he said they have had it since XXXX/XXXX/2014 I have not received anything to verify or dispute this and we would like this removed from our credit if indeed this is not ours.
I applied for a checking account on XX/XX/XXXX on Wells Fargo website. The promotion is {$250.00} bonus and I have fulfilled all the requirements. Today, 3 month later after multiple follow ups and XXXX certification, I still have n't able to track down the opening bonus. At the same time they start charging me $ XXXX monthly fees that should not even be due yet. Therefore I 'm seeking help from CFPB. I even have the application forms they sent me with {$250.00} promotion code clearly printed, which I will upload to below.
This has do to with the purchase of a " Short Sale '' Real Estate Contract. I submitted my offer to Ocwen Financial Corporation back in XXXX 2015. The offer was reviewed and left to sit for a few weeks. I was asked to come back with a higher offer towards the end of XXXX 2015 which I did on XXXX XXXX, 2015. I came up {$5000.00} on my original offer and they came back a week later, the Owner asking if I would pay the Attorney fees of {$2000.00} at the closing table I agreed to this. The Owner was good with this. I was told Ocwen would review and have an appraisal taken in the mean time. The Appraisal has not been taken as of today. I never received in writing these terms except for signing the document for the attorney 's fees. I have been told through the process I was the lead contract and XXXX back up contract. As of last weekend XXXX 2015 I received a notice stating that Ocwen was now going to take the property to Auction on XXXX. This was never told to the Listing Agent or Seller or to the Attorney and Mitigation Pros at the time of listing the property for sale. Ocwen has not been honest with their intentions of this property to anyone involved, they seem to have a hidden agenda in their favor. They are now asking the Seller to sign a release in order to take this step towards the Auction. They have a legitimate contract in front of them that they should address and follow through on. If I had known or it was disclosed legally like it should be according to the law I would never have submitted a Contract that was going to Auction especially on XXXX. They now want me to pay the Auction Fees of 5 % of the total purchase price and a standard {$290.00} plus closing fees if I win the auction. Between Mitigation Pros, the Attorney involved for the Seller, myself and the Seller we are absolutely livid with the ethics of Ocwen and taking such a direction. We all feel this is an illegal act with the lack of transparency on Ocwen 's part and should be addressed by your department. I know the other parties are going to submit a complaint also, it is from Mitigation Pros that I received your website link to express my frustrations. It is beyond belief that these kind of dishonest and unethical tactics continue after everything the American People have been through with the recession that the Financial Institutions were a large part of in the downturn. 
It is with great respect that I ask you to investigate this issue and make it right. It is for me and other Home Buyer 's wanting to be dealt with fairly and above board. It is expected of myself that I act honestly and with integrity and It should be for all involved.
I met a woman by the name of XXXX XXXX. She told me she lived in Texas. She made an agreement with me that If I purchased for her XXXX gift cards for her disabled beneficiaries, she would pay off the balance of the XXXX cards as well as my credit card debt I had with discover. She made three payments on my discover account using a XXXX bank account and a XXXX bank account. All three payments were ACCEPTED AND POSTED to my account therefore leaving me under the impression that this was a legitimate agreement and not any sort of scam or fraudulent activity. I also contacted discover and spoke with a representative and he informed me that the first payment she made of XXXX was accepted. I come to find I wake up one morning to see all three payments she made on my account were returned as well as returned check charges because the accounts were closed in which she used to make these payments with. I informed XXXX XXXX of the situation and she agreed she would fly down to XXXX and meet with me to provide me with the money in cash to compensate for the situation and the payments not being accepted by her banks. On the day of, she blocked me and I have no way of communicating with her. Her phone number is : XXXX XXXX XXXX XXXX. I also have photos of her that she provided me with that are attached. Also, I contacted XXXX support and they informed me that these XXXX cards purchases are fraudulent and I should not be held responsible because they were used for fraudulent purposes. However, discover is not cooperating.The black woman in the photos is XXXX XXXX.
On or before XX/XX/XXXX, I was contacted by a LOANCARE representative, who called to inform me that I was behind on my payments by {$140.00} dollars. 

I had previously paid {$2300.00} to cover two months of payments ( XX/XX/XXXX/XX/XX/XXXX ), and had intended to send an amount covering two payments, but for whatever reason, entered the wrong value. 

I provided the agent with my checking number and routing number for my XXXX XXXX XXXX Bank checking number, and the representative asked if I wanted to set up automatic payments for my account, or set up the payment for XXXX. I declined and stated I would set it up through my bank. 

On the XXXX of XXXX, the agreed upon amount of {$140.00} was drafted from my checking account. 

On the XXXX of XXXX my checking account was debited {$1200.00} by Loancare. 

This brought my XXXX account negative, I received a Non-sufficient Funds ( NSF ) fee of {$29.00} and the money was credited back to my account. 

XX/XX/XXXX On XX/XX/XXXX, the funds were redrafted as a 'second attempt ' and went through successfully as I had gotten paid by then. This new charge of {$1200.00} went through successfully. 

XXXX has provided me the trace number and customer ID for this transaction. 


XX/XX/XXXX On XX/XX/XXXX, a second charge of {$1200.00} was successfully drafted from my account by Loancare from my XXXX checking account. 

XXXX has provided me the trace number and customer ID for this transaction. 

This marked the third charge, and the second successful charge made by Loancare, without my consent, approval, or initiation. At this point I contacted XXXX and blocked all further charges made by Loancare for the amount of {$1200.00}. 


I first reached out to Loancare on XX/XX/XXXX via phone and email. 
I provided screen shots of my bank account when they were requested by a Loancare representative. I called weeks later to find out that these were not acceptable, and that I needed to provide more information. I gave the new representative the trace number for the first charge over the phone. 

In XX/XX/XXXX I attempted to make a payment to begin bringing the account to current, while continuing to try and resolve this issue, but at that time my payment was returned and when I called, I was told that no further payments would be accepted as it was being turned over to a law office as a foreclosure. 

My house is now endanger of being sold, and all I want to do is find the missing money and bring the account current.
On XX/XX/2018- XX/XX/2018 someone hacked into my mobile banking app and made XXXX   transfers were made on my account totaling an amount of XXXX . I claim was filed on XX/XX/2018 with Bank of America but there was no resolve.
Hello my name is XXXX XXXX. I have a problem with my loan company. They are reporting that my account is 60 days pass due and it not accurate. I spoke with them on the phone and the rep told me that the system will automatically do 60 days when it had only been 30 or more days but never 60 days. Leagally how can they put me at being 60 days when it hasnt been. Speaking to them is very confusing and it hurts me to talk to them. I dont understand. They are very tricky with there system and its a way to keep the customers in bad ratings with there system. They can look me up by my socia! XXXX
I contacted XXXX  in XX/XX/XXXX to inform them that the amount on a collection was incorrect and sent them a statement showing the balance at that time. It was never corrected. I again ATTEMPTED to file a dispute with XXXX  on line in which they denied my request for re-investigation stating that what was being reported was correct. I filed yet another dispute in XX/XX/XXXX, providing documentation that TWO collection accounts were paid in full and requesting that one be removed in that it was past the 7 year mark. They were NEVER removed nor where the balances updated to show them as paid. 

I further have asked multiple times to have a validation of a debt on a third collection agency. I contacted the Collection Agency and requested validation of a debt which they have refused to provide. I contacted the alleged original creditor and they have no record of any outstanding debt, yet XXXX  continues to report this debt even after I have asked to have an investigation. I have been TURNED down for credit because of this.
TransUnion is reporting a XXXX XXXX on my credit report. This transaction was not initiated by myself it was a towed vehicle that was sold by myself. 

Transunion and finex group have no standing in reporting anything on my credit report since this was not initiated by me.
A company just reported to my personal credit file that I owe XXXX XXXX which is NOT accurate at all. I DO NOT OWE XXXX ANYTHING. This is FALSE information and this is violating my rights.
I was paid for musical instrument goods I was selling to someone. They sent the money ( {$2500.00} ) via XXXX app via Bank of America to Bank of America account. I received confirmation from the buyer the funds were in my account. I went to BOA and asked if I would be able to withdraw the funds and explained the nature of the transaction. I was allowed to withdraw the funds as the money was available in my account. This morning there is a hold on my account for {$880000.00} and the buyer reported fraud. My account is now placed on hold and I can not access it. Bank of America allowed me to withdraw the money and said the funds were in my account. Now my account is on hold and my pending payments may be declined. Bank of America should be responsible since they allowed me to withdraw the funds. I would simply like my account restored and my name cleared of any wrong doing. Attached is confirmation I had gotten from the buyer the transaction was successful.
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under SARMA Collections Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct..
A debt collection agency. MERCANTILE ADJUSTMENT BUREAU, has placed a collection on my credit report in the amount of {XXXX}, to be reporting until XXXX, last updated XX/XX/XXXX. According to the WV state tax department, as of XXXX/XXXX/XXXX they are NO LONGER LICENSED to collect debt in my state. When called on, they sell debt to a sister company.
This is my second attempt to get this resolved. Below is my original message to CFPB was contacted in XX/XX/XXXX from Portfolio Recovery, I had told them then I had filed bankruptcy ... .previous to me filing bankruptcy ( roughly a year prior ) they sent me a tax form which I had to use when I filed my taxes, I do n't remember the form but it was for bad debt. They call me everyday all day from different numbers all over the United States XXXX XXXX XXXX XXXX XXXX I have told them about my bankruptcy, told them about the tax form that was sent ... ..they will not stop calling me and harassing me. 

This was their response : Portfolio Recovery Associates, LLC ( PRA ) is in receipt of your complaint, dated XX/XX/XXXX, but with the limited information that was provided to PRA, we are unable to identify an underlying telephone calls which we can investigate. In order for PRA to locate the telephone number linked to your complaint, we ask that you provide us with the telephone number at which you received our calls. In order to resolve your complaint, we will need additional information to investigate and resolve the issue. Specifically, we need to know the telephone number at which you received our calls. 

Ironically for them to NOT have my phone number the phone calls ceased, up until today XX/XX/XXXX, they are blowing up my phone, back to back calls from all over the United States. These calls need to stop!!!!!!! i 'm tired of the harassment and can no longer leave my phone on at work, which causes an issue if there is a family emergency.
Coinbase, the digital currency exchange, has continued to neglect the crediting of BCH ( Bitcoin Cash  ) after months of claiming the following to their customers in their BCH FAQ : What if I sent BCH to my Coinbase BTC wallet after the fork, but before Coinbase added support for Bitcoin Cash?

Any BCH sent to your Coinbase account addresses has been credited to your new BCH wallet.

The above scenario explains my situation. However, I have not been credited the BCH which was sent to my Coinbase address after the fork, but before Coinbase added support for Bitcoin Cash.

I have had a support ticket open with Coinbase since XX/XX/17 for this specific issue. On XX/XX/17, Coinbase Support requested that I provide the Tx ID ( Transaction ID ) for the transaction, which I promptly provided. I have followed up with them three times since providing the transaction details and have not received an update other than " we're still working on this '' or " I still dont have an update for you, sorry! ''
There is a collection account on my credit file for {$380.00} from a professional credit management. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
This is a time barred debt and is beyond the statute. This company refuses to remove it from my credit bureaus but it is now over 6 years old and was opened in XXXX. I gave evidence of same and they continue to state it was opened in XXXX which is incorrect. It needs to be removed from my credit bureaus and they need to cease collection activity as I am unemployed due to no fault of my own. I also have a XXXX.
Mortgage company, XXXX XXXX, issues a late payment notice on the day that payment was made through auto biller payer program through the mortgage company. The mortgage company,XXXX XXXX, issues a statement earlier is the month stating to disregard the bill because the payment was automated. The letter is signed by the vice president of XXXX XXXX. XXXX XXXX 's response is that it is automated to issue a late statement notice the day payment is due, they control the withdraw date because it is a auto bill payed per the mortgage terms.
Weltman, Weinberg, & Reis has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.
Bank of America has engaged in fraud in overcharging me for Homeowners insurance : The charges added to my mortgage are roughly 400 % higher than the actual costs of insurance, the overcharges are as follows:XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXXPlease help. 
XXXX XXXX
I had an unauthorized transaction on my account because I had revoked in writing this lenders right to debit my account, which is what they require, I called the bank to dispute it on Friday, XXXX XXXX, 2016. I had n't heard back so I contacted XXXX bank and was told today that they are not going to refund my money from Speedy cash. 

They said what I sent them does not prevent withdrawal from my account. She put me on hold and then hung up on me. They denied the claim with no valid reason.
TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015
I am not positive on when my account was given to this company because I never received a verification of debt. They set me up on a payment plan in the amount of {$59.00} each month. I received a call from XXXX ( XXXX XXXX XXXX On XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that I have on file from XXXX XXXX Stating that my payment scheduled with them did not go through and it was a courtesy call. It stated in the message that if I did not get back to them by XXXX that my payment agreement with them would be forfeited and would then go back to the attorneys desk to go to the courts. I have also received many text message from the office stating A pending claim has been forwarded to our Law office in regards to your delinquent account. Please contact our office immediately to speak with a non-attorney representative at XXXX your account number is XXXX. Thank you I started to find this odd and even though I had been paying on the account I then asked if they could send a verification of debt which they insisted they would do it by email. After a few calls to them which unfortunately I do not have the dates for this they stated that they had emailed it and they verified my email was right but I still never got anything. When I asked from them to mail me it they said I need to contact the original creditor and they are not sure why I am asking now since I have been paying on the account so they would not mail it to me. Since they wont send this to me I have not felt comfortable making payments but they keep threatening court action on me stating I am glad you called because we are about ready to send you to our attorney. I also let them know I can not afford {$59.00} a month but then they will deny my payment because they only accept a minimum of {$59.00} a month.