WillisBack/dataset-financial-user-claim huggingface dataset:
After going through some very difficult financial hardships I had a deliquent debt with XXXX. I had asked XXXX to communicate with me through mail only. XXXX gave my loan over to Relin Goldstein & Crane which is located at XXXX XXXX  XXXX XXXX XXXX NY. They proceeded by calling my parents in-law countless amounts of times throghout the months of XXXX and XXXX even after they were repeatedly told that I do not reside at that address. At least one of the times they disclosed that they were calling about a debt. All throughout the time they had never attempted to call or correspond with me through any other means. My in-laws asked me to contact them and tell them to stop the harrasing calls especially on weekends. I then began receiving letters in the mail that they were suing me in court. I called them and asked why they couldn't reach out to me in a civil manner and try to work out a pay off system. We finnally reached a settelment agreement over the phone but I never received any documents to support our phone conversation nor to whom I would pay the monies owed. I tried calling numerous times they failed to answer. Finnaly a week later they sent me documents on the day of XXXX eve with terms changed from the original agreement and according to new terms I would have to pay up 2 days later making it impossible due to the banks being closed on XXXX. I called and emailed them numerous times noone responded. After XXXX they called me back and said it was a typo they said since the deadline passed they would try to reach another settelment with XXXX. I still haven't been contacted with any new agreements.
Have contacted XXXX XXXX the third party who purchased XXXX debt and delete number out of times. Sent XXXX my bankeupcty and have XXXX XXXX in my name.
Hello I try and keep track of the items that are on my credit especially my inquiries but yesterday I noticed that I have some inquiries that do not belong to me. I have n't lost any of my information I do n't think and I do n't believe someone has stolen my identity. Please send me information regarding these inquiries or have them removed as soon as possible because it is truly hurting my credit and I do n't have these accounts. 
EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is a notice and demand of validation of debt and dispute. 
XXXX XXXX XXXX Account # This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # under which I accrued the alleged debt for {$120.00}.

2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter. 
3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification. 
5. Please also include the date which you communicated with that individual or the date by which the system was access.

6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation. 
7. Please inform me of the date you opened account # 8. Please provide me a record of any payments or other reductions since the last billing statement for account # 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office. 
If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.
XX/XX/XXXX I awoke to a series of emails from Paypal. Two of them stated that I added a new address to my account. Two of them stated that I added a new credit card to my account, two emails stated that there were funds sent out of the account for purchase, followed by an email stating that there appeared to be suspicious transactions and an email or two about changing my password. Obviously, my account was hacked, as I did not authorize or initiate any of the transactions. I went into my account ( dont remember if I followed a link from one of the emails, or entered the account separately ) and changed my password. At this point, it looked like Paypal was aware that there was an issue and it looked like theyd take care of it. 

XX/XX/XXXX I noticed that a {$2900.00} charge appeared on my XXXX XXXX credit card. Instinctively, I called XXXX XXXX and reported that the charge was fraudulent. XXXX  XXXX told me they would take care of it and removed the charge from my account. What I found out much later from PayPal, was that I should have contacted them instead of XXXX XXXX. I had no idea. 

XX/XX/XXXX XXXX removed from my account by XXXX  XXXX XX/XX/XXXX XXXX charged back to my XXXX XXXX card << XX/XX/XXXX to present Multiple, hours long phone calls with XXXX  XXXX and paypal attempting to resolve issue>> XXXX XXXX tells me that their hands are tied because PayPal claims the transaction looks legitimate to them. That is simply impossible, as the account was clearly hacked. I recently learned that the XX/XX/XXXX emails were part of a phising scam - which Paypal acknowledges. They ( PayPal XXXX refuse to do anything about it because I took up the matter with XXXX XXXX instead of them - nonsense. 
A USPS tracking ( given to me by PayPal ) shows that an item was delivered to my address that relates to the {$2900.00} transaction. I did in fact receive an unsolicited, small brown envelope from XXXX that contained a small, plastic XXXX XXXX toy. The various emails on the XXXX all point to a source in XXXX. 

XX/XX/XXXX - Discovered that all the XX/XX/XXXX emails from PayPal were phising emails. 
XX/XX/XXXX - Forwarded all XX/XX/XXXX emails to PayPal ( XXXX ). 
XX/XX/XXXX - Received replies from PayPal acknowledging that emails were fakes. No further responses since from PayPal. 
PayPal refuses to discuss my case, claiming they have closed it. Unacceptable to me.
My employment information is not listed or showing on my XXXX XXXX, XXXX and Experian credit report : I work at XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND, ( XXXX ) XXXX, Position : XXXX, Annual Salary : {$1.00} XXXX.
I have reported fraudulent activity on my account. Initially it was taken care of by Capital One. A month later they called me back to let me know that it does not qualify as fraud since I had the credit card within my possession at all times. This is a dispute with XXXX and some game. racket up charges around {$2500.00} ...
XX/XX/XXXX, XXXX XXXX, XXXX for amount of {$760.00}. I have sent XXXX XXXX, XXXX a debt validation certified on or about XX/XX/XXXX. XXXX XXXX received my debt validation on or about XX/XX/XXXX. XXXX XXXX did not respond. XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXX I disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is trying to re-collect and still has not validated my debt validation which was sent to them and also XXXX XXXX XXXX reported to all 3 of my credit reports.
Citibank ran a promotion XXXX promising XXXX XXXX XXXX points to consumers who signed up for a new Citigold bank account and followed certain steps including making bill payments and minimum purchases via debit card. The promotional code for this offer was widely available on the internet ( example link : XXXX ). I called their phone number, provided the code, and was told that I qualified for the promotional offer so I opened a bank account. I met the other requirements ( minimum spend and bill pay ) as required and proceeded to wait. After several months I inquired about my points and was told I needed to wait until 90 days after a certain date. Recently, I inquired again and was told by online chat and phone service that I qualified and would get my XXXX points. But secure messages then contradicted this. I have called multiple times and in spite of initial assurances that I qualify for the promotion and the points, supervisors later step in to say that I do not qualify because I was not properly " targeted '' for the offer ( widely available online ). I have given Citi my business and fulfilled their requirements. I want them to honor their end of the deal and give me the promotional bonus I was promised.
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Equifax. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
We got flooded in XX/XX/2016 in XXXX Louisiana and chase got our flood insurance check. We have a licensed contractor. They make excuses and excuses to release funds to us to pay the contractors. Our house is damaged still not done because chase will not release funds. We recently got a letter saying they are selling our mortgage. The only reason they are doing this is because our house is damaged and they want to hold on to our money as long as they can.
XXXX is a virtual currency exchange that at this point in time, XX/XX/XXXX, has been down 40 hours. There is no way to contact them either by phone number or other way. My entire investment, $ 9k-12k depending on daily market swings, is currently unavailable. They are claiming thst they 're doing maintenance but this is highly suspect. No true company takes their trading platform out for 40 hours.
Borrowed {$20000.00} in XXXX. Have paid {$14000.00} in interest. I now, XXXX years later, owe {$21000.00}. Navient has just driven my payment from XXXX a month to XXXX! Please help. This ca n't possibly be legal!
On XXXX XXXX, 2016, I filed an application to enroll in the REPAYE payment plan. On the same day, I delivered all of the necessary supplemental materials, including proof of income, to Nelnet, the student loan servicer, through the document submission email address provided on their website, XXXXXXXXXXXX. 

On XXXX XXXX, 2016, I received correspondence with the subject line " We 've received your income-driven repayment plan application '' from Nelnet confirming that they had received my application. 

On XXXX XXXX, 2016, I received correspondence with the subject line " Your request has been received '' from Nelnet confirming that my application was received and being reviewed. Within this email, Nelnet stated " You will receive additional communication from us regarding your request within 7 to 10 days. '' No further correspondence was received within the promised 7 to 10 days. Multiple phone calls to Nelnet were unable to update the status of my application or why I had not received further correspondence within the allotted time period. 

A further call had to be placed on XXXX XXXX, well after the specified period of time, and a representative was able to check my application 's status, notifying me that it was still not processed. The processing and notice was not completed until XXXX XXXX, 2016.
I applied for an account with XXXX XXXX/ XXXX XXXX about a month ago. I was approved for a {$300.00} line of credit and made a purchase. Then it started reporting on my credit report as included in Bankruptcy. I have never filed for bankruptcy. I sent a letter directly to them and they sent me a letter back with all kinds of miss information. I received a letter dated XXXX XXXX stating that I opened the account onXX/XX/XXXXand made a purchase on XXXX XXXX for a daybed that was then cancelled and then I file Chapter 7 bankruptcy on XXXX XXXX with a standard discharge on XXXX XXXX and that as of XXXX XXXX the bureaus were reporting this account accurately. I tried sending them a second letter including the current bill. I have never been in bankruptcy and did not previously open this account.
For the past years, I never received any letters with a collection notification of account that was charged off. I found out about the account years later after trying to obtain a mortgage. I tried contacting the ERC collection agency and settled with them. To my knowledge the agreement was that I would settle a one time payment if the account was deleted off the credit reports. After three months, I still see the account on two of the bureaus, XXXX and XXXX. I have numerously attempted to contact both XXXX XXXX XXXX and ERC about the account. They could not give me information about the account since it was years old. Moreover, they customer service representatives were rude and did not help me in any way. I am complaining for the lack of interest in of their part. Not only did I not get any letter of the account being charged-off but when we settled they did not comply with the agreement.
I can't reach a customer services rep whenever I call Experian to talk about my credit report. I'm prompted to mail in any questions that I have concerning the items on my credit report. This is unacceptable. Experian does not allow me to speak with operator regarding my credit file over the phone.
I was defrauded by a company called XXXX XXXX in XXXX XXXX, Nevada. XXXX XXXX sold me items that were worthless junk that they described as new, then refused to take the items back. I filed a dispute with Bank of America for {$1200.00} on XX/XX/2018. But Bank of America refuses to reverse the charge.
item is reporting wrong and not paid in full EMBASSY LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account # XXXX and never issued my refund
I was recently denied acceptable terms for a mortgage refinance through XXXX XXXX. The reason given was there were numerous inquiries into my credit report 18 plus in the past 12 months. I don't know why the credit report dropped from XXXX to XXXX in a week.
My wife and I file joint tax returns and refunds are issued to both of our names. Federal refund is deposited electronically to the account I specify in Tax Cut software. State of XXXX issues a check that I usually deposit to my account. We do that over a decade. There was never an issue with that. On XX/XX/XXXX I tried to deposit such check by phone to my account ( at E*Trade Bank ) but it was rejected as unreadable - that seldom but sometimes happens. I called them and they said I have to mail it in. But when they received the check, only then they said they could not deposit it to my account, because it was issued to both me AND my wife. This despite they deposited those checks for 15 years every XXXX without a single complaint, and despite me being their customer for even longer than that, and despite both me and my wife have accounts there linked on-line. They suggested that the check may be deposited to our brokerage account since that account is joint account in both of our names. However, a day had passed and I do not see the check deposited in either my checking account or our joint brokerage account. I got an email with the PDF form referring to the name change without explanation. I understood they want my wife to file the name change - because at that bank she still uses her maiden name, and on this refund check she already has my last name. But she did not change the name at marriage, and that change was therefore not recorded on the marriage certificate. She changed it at naturalization. And besides - I am with the form in XXXX, and she and her signature are in XXXX - maybe sometimes during the summer she will find the time to deal with that name change. But we need that check deposited or cashed yesterday, not sometimes in the future. Now their agent can not locate our physical check - she only sees the image of my rejected mobile phone deposit. Which leads me to believe that they were not completely honest with me when they told me the mobile deposit was rejected for readability. If they spoke up about the XXXX names issue, I might have handled the situation differently. But now they are in possession of our check and they are finding an excuse after an excuse for not depositing it, and finally they lost track of it. This is an outrage. They should be held liable for theft.
The Bank opened a Walmart credit card and issued credit without any financial background check. This reckless credit issuance has resulted in my having to lock my credit and basically have no credit for the next sixty day. 
The bank should not issue immediate credit but only mail the credit card after contacting the correct person and them mail the card. 
I received the credit card by mail with a balance that was already fully used. only {$18.00} left. 
XXXX XXXX XXXX, Florida Fraudulent Card Issue in XXXX 2017.
Calls my sister Im law at XXXX ( XXXX XXXX XXXX and my brother at XXXX non stop and harassment with different phone numbers below and threat to send legal documents to her home for a debt I owe XXXX XXXX XXXX
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Ocwen is essentially refusing to perform an escrow account analysis. Ocwen raised our escrow payments when they originally took over our servicing, so I 'm certain there is an overage in the account. Our analysis is typically performed in XXXX, and as expected we received a notice in XX/XX/XXXX saying there was a fairly substantial overage and we would be receiving a check within 30 days. XXXX we received a notice saying the previous notice had been in error, and that a second escrow account analysis would be performed in XXXX. We waited for an update and, hearing nothing, we contacted Ocwen on XX/XX/XXXX. The second escrow account analysis had never been performed, although nobody could tell me why. I was told that it would take 3-5 weeks to find out why the analysis had not been performed as promised, or 5-7 business days to perform a new one. I requested that a new analysis be performed at this time. On XXXX XXXX I called to check on the status of the analysis and was told that there was indeed a substantial overage of over {$1300.00} and that a check was en route. I had not received any communications from Ocwen by XX/XX/XXXX, so I called again to check the status. I was told that the escrow account analysis had not actually been performed at any point. I was told that it appeared they had started the analysis but failed to complete it. I asked why, and was transferred to a woman whose job it apparently is to solve mysteries such as these. Her name is XXXX, ID # XXXX, and her contact number is XXXX XXXX. She agreed that it appeared we were due a refund and could not determine why the analysis had failed to be performed as promised on so many different occasions. She asked that I give her 48 hours to determine what the problem was and said she would call me back. I had not heard from her by XXXX, XXXX XXXX ( 48 hours later ) so I left a message for her at the contact number provided. It is now XXXX, XXXX XXXX, and I have yet to receive a return call. Our account is current and in the nine years since securing our mortgage it has never once been late. I have been unable to get a straight answer as to what the problem is, but we are now approaching six months late on our annual escrow account analysis. This is one of many problems we 've had since Ocwen took over the servicing of our loan and we will be addressing these individually, but the failure to perform a simple escrow account analysis is keeping money out of our pockets that is rightfully ours and it is a situation that should have been easily rectified months ago.
I have disputed this debt multiple times. I need debt validation. Back in XX/XX/XXXX you all were supposed to cease collection activity and Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt it needs to be removed from all 3 credit bureaus asap n not to pop up again. Also you guys failed to send me proof n its now 2 months later.
Hi my name is XXXX XXXX, I have a loan with NationStar Mortgage and ive been trying to get a loan modification from them for some time now. I have gave them all requested documentation and I have a sale sate scheduled for this property on XXXX/XXXX/16. I 'm worried that they will not postpone the sale date due to some odd regulation they might make up on the way to just sell my home. I do n't know how much longer I will have to be working with them to receive a loan modification. Please help me to receive a good modification for my home so that I could pay my mortgage. I also have read and see that my servicer is in violation of my XXXX XXXX XXXX of Rights. 
I really want to work with them and I want them to do the same. I do not want them to play games and give me a loan modification that will be higher then what I used to pay before. ( It seems as though that 's what every company is giving out these days. My friends complaint about this issue too and im really hoping that we can get this resolved. 
Please help with the sale date its very close. 
Thank you for your time.