WillisBack/dataset-financial-user-claim huggingface dataset:
I was asked to verify my identity because someone used or attempted to use my information to create an account with the website. I sent in my documents that were asked of me to verify my identity and have received no notification that my file is being reviewed. Its been more than a few weeks and still nothing. Also they have no customer support phone number
On XX/XX/XXXX I purchased 5 new XXXX from a XXXX retail store on my personal account. At the time of checkout, they asked me if I owned a business, which I do. They said I could save a decent amount of money on taxes and services if I were to convert my personal account to a business account, so I did. They informed me that I would receive a final bill for my personal account. When I received the bill I paid it on XX/XX/XXXX in full. I no longer had access to my personal account but thought everything was taken care of and complete. About a month later I received a collection letter stating that I owed {$93.00} to XXXX XXXX XXXX ( ERC ) for an unpaid XXXX bill. 

Over the next 6 months I have spoken to multiple XXXX reps as well as ERC reps and have gotten nowhere. Finally, on XX/XX/XXXX XXXX informed me that they found my payment made back on XX/XX/XXXX after I sent them very specific documents from my bank with transaction numbers and times. XXXX stated that they applied that lost payment to my personal account and the account was now reflecting a XXXX  balance. 

I had XXXX send me documents with their letterhead stating this for my records. I sent these records to ERC through email as well as verbally spoke to them asking them to remove this collection from my 3 credit reporting agencies. They informed me that they could not speak to XXXX and have no way of updating their information, that I still needed to pay ERC for the debt that they purchased from XXXX. 

This collection account haunts my credit report and has dropped my FICO score tremendously! It is not fair that I did so much leg work and research to prove that I was in the right and this company refuses to accept the fact that it was a mistake by the creditor, not the consumer.
Ocwen Loan Servicing refuses to acknowledge Litton is now a " subsidiary '' of Ocwen, arguing it has no responsibility for Litton mis-reporting to credit reporting agencies ( CRAs ) because Litton is not an " affiliate '' of Ocwen ( see XXXX XXXX, XXXX letter ). Ocwen/Litton refuses to identify the alleged 12-month arrearage at the time Ocwen assumed servicing rights in XXXX XXXX. Ocwen and Equifax refuse to provide the electronic exchanges relative to " investigation '' disputes. Ocwen admits to mis-reporting information to CRAs including, but not limited to illegal multiple charge-offs. Despite the admission, Ocwen refuses to grant relief for both the Litton mis-reporting and the Ocwen mis-reporting after XXXX XXXX at which time it assumed servicing rights. Ocwen continues to refuse to provide monthly statements, in direct violation of the Fair Credit Reporting Act. Due to admitted systems deficiency, Ocwen under-reported the amount of tax year XX/XX/XXXX interest by several thousand dollars. Despite widely known systems inadequacies, Ocwen refuses to verify or validate/verify payment information transferred in XXXX XXXX. Its position is that the onus is on borrowers to do so ; an unfair and undo burden. Not to mention the fact it refuses to provide the internal documents ostensibly authorizing debit from my checking account. I challenged its arbitrary use of checking debit deductions on numerous occasions.
On XXXX/XXXX/XXXX, I filed a CFPB complaint # XXXX concerning XXXX ( XXXX ) Chase credit card accounts. After going through Chase suggested " money counseling '' and provided the information they requested, the attached XXXX XXXX response resulted. ( copy attached ) Since that time, Chase has kept the account active by monthly reports to XXXX ( XXXX ) credit reporting bureaus '. Accounts ending in XXXX and XXXX were officially closed as a " Charge Off, : XXXX account in XX/XX/XXXX and the other XX/XX/XXXX. Chase eluded to the fact if the consumer agreed to follow Chase procedures, there would be no negative credit reporting. For example, using the term " Absorb. '' By reporting this negativity, Chase also failed to provide the consumer amble notice of any negative reporting to credit agencies. FCRA, ( 7 ) Negative Information : ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( Quoted from the XXXX XXXX FCRA edition ) In fact, the entire process requested by Chase was to avoid negative credit reporting. It must also be noted that the XXXX, mentioned in XXXX XXXX ' letter, has never received. Upon discovery of Chase recent actions, a letter dated XXXX XXXX, XXXX was sent to Chase Card Services Executive Offices which included a copy of their XXXX XXXX, XXXX letter. Within the XXXX XXXX, XXXX, was a request to correct the information Chase provided the credit reporting agencies. To this date, Chase has not replied.
My friend, XXXX XXXX, had a PalPay account. He passed away in XXXX 2015. His PayPal account was attached to my bank account which he was also a signer. I continually receive emails that there is fraudulent activity being attempted from PayPal to my bank. I attempted to close the PayPal account on line but the only way to close the PayPal account is to have PayPal send a text to his phone number that has been disconnected. I have contacted PayPal several times and they refuse to close his PayPal account, even though there its no activity other than these fraudulent attempts over the last 5 months. I should not have close my bank account since I has had this account for over 20 years and its attached to all my personal business.
My bank BBVA Compass will not return {$6.00} to my checking account that was not authorized. I called and emailed them numerous times but they would not return the funds to my account.
Dear sir/maam, I paid my XXXX XXXX XXXX XXXX credit card account ending in XXXX in full by settlement that XXXX XXXX XXXX XXXX offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that XXXX XXXX XXXX XXXX Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that XXXX XXXX XXXX XXXX, Experian, XXXX, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Please see below with regards to blocked online banking with Wells Fargo : I have had no problem with my online banking for the last year that I have had my account since being in America with Wells Fargo. Within the last 2 weeks both my friend and I have had our accounts blocked and were told that it was done by the fraud department. When we called, they told us that they could not tell us why they were blocked and that there is way to tell us over the phone. We HAVE to go into a branch. Please bear in mind that we live in Vermont and work in the middle of nowhere. The closest branch is 73 miles away. On top of this we are international workers and do not have any transport. We now have to possibly find people who are prepared to help and pay them to try and help us to go to a branch to get help since they are REFUSING to assist us over the phone. 

I called them this morning ( XX/XX/17 ) and was told that the normal online banking department could not help me. They told me that they had to send me to the Fraud department. I then spoke to 3 different people in the fraud department and they all told me that they do n't know the problem, i have to go in and then they will be able to assist me. I also have to take 2 forms of ID with me into the bank. The more I explained to these people that i can not get to a bank, the more they explained they can not help me. 

I find it pathetic since answered all the questions they asked including my last transaction etc etc etc. I have all the names of the people i spoke to and the times of the calls. What I also find ridiculous is how not one person could give me a reference number for one of my phone calls.

Additionally, i also received an email from Wells Fargo on XX/XX/XXXX saying that my account communication had been changed from email to post/mail. I never requested this and neither did my friend but she also received this email from you. I personally believe that you have a glitch somewhere in your system that not one of your employees is able to detect which i think is beyond unprofessional. 

I have not updated info that needed to be verified, I have not done anything suspicious that calls for them to review my activity and therefore block it and when I call there is no one that can assist me, including your managers that I spoke to. 

I am also not sure if it is because we are both International and you are therefore not interested in assisting us as you would a citizen or if your overall incompetence is just a general work ethic with all your clients. 

What I would like to have happen is : a reason as to why our my account was blocked, a reason why none of your employees could assist me and i would like to have this resolved within 48 hours although i am sure thee may be some excuse since it is now the weekend.

Please see to it that this is resolved immediately. 

Thank you.
I have VA loan from M & T Bank. I refinanced it about a year ago. M & T bank held the mortgage for several years before I refinanced with them.The mortgage payments are current.Today I received a letter from my county. It is a NOTICE OF INTENT TO LEVY because they say I owe {$830.00} from XX/XX/XXXX for property taxes. This is the XXXX I 've heard of this. 
I 've been in this house over XXXX years and taxes and insurance have always been escrow-ed for VA loans. I must pay by XX/XX/XXXX or the property will be levied.
My complaint is to follow up on my previous complaint. Lobel send me a letter trying to justify their actions. They also sent a vehicle history report that says the vehicle in question has no accidents. When in fact it has 4 accidents that were not disclosed at the time of purchase. I have sent them my demands.
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports
On XX/XX/2017 I sent a certified letter to Experian and Equifax asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC XXXX letter ).
Wilson Riley and associates called and threatened to have a warrant issued and to sue me over a debt from XXXX or XXXX they curse at you called my ex wife and threatened her with the same even though at that time we have been divorced over 5 plus years. One man called and stated he was an investigator with the state of California. I have voice mails verifying the tactics they use and can forward it as I saved it. Wilson Riley and associates have called numerous times, we agreed to pay off the original amount and the XXXX payment was late as we were loading it on a card then we received another threatening call about a sheriff coming to our door with a warrant and that I will be sued and charged with wire fraud because we declined a wire transfer between states. They also said our agreement was null and void a d that my info was erased from their system, but on XXXX XXXX, XXXX they took out {$110.00}, so XXXX payments that are unauthorized were taking out, going by their words nothing should have been touched.
lost cr card agent did not ask info to replace it, wanted to do a pymt as the automated system does not do a pymt w/o acct info. agent could not take a pymt over the phone Want late fees to refunded, and replacement card sent.
several accts were previously mentioned : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( innovis ) XXXX XXXX XXXX XXXX XXXX have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.
i had XXXX in XXXX. In about 4yrs. later this company said to me we forgot to charge you this amount. I do not. Anyway i wish i could just call someone years later and say to them, buy the way you owe me money. know pay me. please get this off my credit debt. This will never get paid by me plus they have no right to do this. it has been on my report for many years now. I am XXXX. old now and do not care anymore with my XXXX XXXX.
US Bank, as Trustee, sued for foreclosure on my property. I have become informed about the particulars of the role of US Bank and their role as a corporate trustee because the bank disseminated to the public - statements which specify their duties and role as a Trustee for mortgage loans. To wit, US Bank states as follows, " US Bank, as trustee for thousands of securitization transactions involving many XXXX mortgages, is often mentioned in media reports about foreclosures. While trustees are listed on mortgages, and therefore in legal documents as well, as the owner of record, its interest is solely for the benefit of investors. The trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans which is reserved for the servicer. As noted the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. '' US Bank Corporate Trust Services also states that it " does not initiate, nor has any discretion or authority in the foreclosure process. '' I received a letter from US Bank Corporate Trust Office, Corporate Trust Services, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX from XXXX XXXX dated XX/XX/2016. The complaint # XXXX was in connection with Account/CUSIP # XXXX. The property is located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX 's letter referenced another address. This complaint is in connection with Account/CUSIP XXXX and XXXX also for the same property located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I am seeking clarification of US Bank 's role in those accounts as specified herein and for the specified property.
On Wednesday,  XXXX   XXXX , I received a letter from Equifa x Information Services stati ng I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list  XXXX  so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.
I have been repeatably contacted by Delta Management Associates to collect a debt by a employee of theirs. They have called at least 1 time per week and now have faxed me.
They have now sent a fax telling me to garnish the wages of a employee of ours. They mention US code, and upon calling them they told me that our company would be in breach of law by not abiding by this. This is a fraudulent activity for which they should be warned.
The Debt Collector served me and I am now in the process of defending myself in the XXXX XXXX XXXX XXXX. The first contact I received was through the process service. Since then I have requested documentation and they have not provided and are now filed a motion for Judgement. 

I was not afforded the opportunity to request debt validation nor did I receive any outreach whatsoever in regards to the alleged debt.
My issue is with Nationstar Mortgage,  XXXX   XXXX   XXXX  : P.O.  XXXX   XXXX ,  XXXX , TX  XXXX  On or around  XXXX    XXXX  , the issue began. I have been charged other fees regardless of how much I try to obtain information from them explaining why. Ever since this date, I received calls stating that I am behind on my payment. I am not behind. I paid them on the first of  XXXX    XXXX   and the  XXXX  of  XXXX    XXXX   ( this payment was to meet the due date of  XXXX   XXXX    XXXX   ).     They seem to continue to charge me fees and continue to state that I am late. However, they have yet to provide a full accounting of all payments, fees and charges so that I may validate their statements. From my perspective, I am not late and have made every single payment and timely ( all payments made before the  XXXX  of every month ).     I have even had  XXXX  on the phone to explain to them all the payments that were sent, but they are not willing to provide information explaining their position, other than to say that I am still late.
I guaranteed a company auto lease in XXXX with XXXX, the lease was for XXXX months and ended in XXXX XXXX. I made most payments on this lease because the company was not financially able to make them. In XXXX XXXX XXXX wrote me stating that a payment was due and I should remit it to them. I called XXXX stated that the lease has ended and that I no longer was associated with the firm, the response was that they extended the lease without informing me and that as long as the lease number did not change I was responsible. I stated that I did not authorize this extension and would not be responsible. 
Since that date the lease has been extended 3 times for a total of XXXX months without informing me, each time the company defaults they contact me and I repeat my original statement. XXXX has reported me as paying late to the credit reporting agencies damaging my credit rating. 
I have asked for copies of all signed documents and phone records relating to this lease and XXXX has refused to provide them. 
I do not believe that a 3rd party can obligate me without my knowledge or consent for a term now 50 % longer than my original commitment when XXXX was aware that this party was not credit worthy.
am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im trying to buy a house
Caine and Weiner is attempting to collect a debt of my XXXX grandmothers for which they can provide no actual proof of payment beyond the word of original collector. According to original collector 2 payments were made after contract was terminated due to XXXX of my grandmother on XX/XX/XXXX. There has been no evidence provided of payments, ie ; cancelled check, deposit slip, bank statement. 

I have disputed validity of debt, and again sent a certified letter asking XXXX XXXX XXXX to cease all collections of debt as they can not provide legal documentation of debt. I authored this letter after speaking with XXXX XXXX on XX/XX/XXXX where as he became very hostile towards me on the phone and ended the conversation by hanging up on me.
I noticed a collection account on my credit report in XXXX of 2016, from a collection company called LVNV Funding, operated by a company called Resurgent Inc. The debt is for {$41.00} and im unaware of the original debtor but I know it 's not my account. I 've reached out several times to LVNV and asked them to provide me with proof the debt is mine and they have been unresponsive. I also filed a police report in XXXX of 2016 and sent it to XXXX and asked them to remove this fraudulent item, to no avail.
At XXXX pm - XXXX XXXX, XXXX I have done a deposit from an external crypto exchange ( Binance ) of XXXX Litecoins to XXXX ( company of Coinbase ), but those crypto currencies are n't arrived in Coinbase as the notification promised.I received thoug an notification that the deposit was received at Coinbase and also that it was forwarded to XXXX. After that I received an mail that the last stap ( automatically forwarding to XXXX ) went succesfull but I had to transfer it manually from Coinbase to XXXX. But this wasnt possible! 

XXXX XXXX I have filed immediately an ticket to support of XXXX, telling the whole situation and asking for immediate solution, this didnt help. Case number is XXXX. 

I called the support line of Coinbase and they basically even didnt know how XXXX worked and they could tell me more then saying that they would it escalate to an XXXX specialist. I received an confirmation of this. 

So I am now 8 days waiting for those XXXX 's, but still did n't arrive. As a day trader this is my job and bread. I lost many trade possibilities and indirectly make losses because of this situation.