WillisBack/dataset-financial-user-claim huggingface dataset:
I wrote to XXXX XXXX XXXX requesting verfication 2 times over a 90 day time span and did not receive a response to my request to verify debt. I reserached the company and it appears they are not licensed nor bonded to collect in the state of Texas. Last month i sent another letter letting them know of my findings and I still have not heard anything back. I have also phoned numberous times XXXX and the number is not a working number.
A representative made several calls to me offering a fake settlement on the account they claim i owe money for. Asked for letter in writing n was never recieved..asked to speak to someone in management was unsuccessful. The statue of limitation to collect a debt n Texas is 4 yrs..they always call n never offer official documentation about the debt
My mortgage account was transferred from XXXX XXXX XXXX to M & T Bank a few years ago. In 2015, I was experiencing some income challenges and fell behind in my payments. From XX/XX/2015 through XX/XX/2015, with XXXX grace, I was able to pay off the agreement with them. This was to clear ALL debt due and I was to start fresh for the new year, per their Mortgage Assistance Department. This never happened. My XX/XX/XXXX bill included additional " past charges '' that there Customer Service Department insisted were still due. 
To make matters worse, I changed mortgage insurance from XXXX to XXXX in XX/XX/2015. I contacted all parties ; bank and both insurance companies however, the mortgage still reflected the higher XXXX premium for XX/XX/XXXX. I paid that month, hoping that the corrections would be made the next month. They were not. I called and was told that whichever department that processes insurance changes had not done so. In the meantime, I was to pay the excess charges, since the bill was sent already, and I would be reimbursed. I told the young lady, to whom I was speaking to, that that made no sense to send money that I do n't have or owe. She stated that there was nothing she could do. I sent the payment with the new premium amount for XX/XX/XXXX. Later that month, I received a check from M & T Bank for the XX/XX/XXXX overage that I had paid. The next month, my bill still carried the old premium and again, I did not pay that portion in XX/XX/XXXX. Since that time, the bank has been carrying that old premium as something I owe, which I do not. I have not spoken with the bank as each time I had in the past, the person receiving the call speaks to me as though I am at fault and gave no credence to anything that I have tried to explain. 
I discovered yesterday, in checking my credit report, that they have been reporting to them, 30-day late payments ever since XX/XX/XXXX despite my monthly on-time payments! This has reflected negatively on my credit rating and has caused me to be declined for a car loan, which I now desperately need!
The debt was from an auto accident XX/XX/2010. I sustained injuries and the XXXX XXXX was called. I could not leave with the XXXX at that time because I was making arrangements for my totaled car and speaking to police. In PA we have the no fault law that medical bills due to any auto accident are submitted to your auto insurance carrier until the benefits are exhausted, then to your medical insurance. My auto insurance, XXXX XXXX, paid the allowable {$80.00} of the {$100.00} bill. The {$20.00} that was not paid should have been written off or submitted to my medical insurance. I spoke to the XXXX XXXX personnel several times and they told me they would correct the error ... .over 5 years later and still on my credit!
Credit Bureau is not blocking the information within 4 business days per FCRA 605B ( 15 U.S.C. 1681c-2 )
Bank of America stated I was not qualified because of my debt to income. However, they did not take into account the new payment which went from {$270.00} to over {$1000.00} per month. Further, they did not take into account rentals that are no longer occupied. Only XXXX representative has contacted me during the last XXXX complaints I have filed. A representative called me on XX/XX/XXXX to simply state that I did not qualify. I asked for other solutions to which she had none. All their information was based on documentation I have had throughout the last year. Much has changed, no one will assist. They have a recording that states " We are here to help '' They have not. They will not. I will go public with these complaints and send copies to my congressmen. I also would like to know if there is a fear of backlash that is preventing the CFPB from going ofter such big banks as Bank of America.
Georgia Dept of Bankingand finance have refusedas to date to take my caseand to investigate this fraudagainst my name for thepast 6 years or so. 
Georgia investigators havenever replied to mymultiple complaints which Ihave filed with them for thepast 6 years.
I was assured on monday by jp morgan chase office and spoke to XXXX at XXXX XXXX that cfpb bureaus case XXXX was not closed and were associated with the wrong reference number. He stated the letter i received XXXX XXXX, XXXX was accurate and that XXXX were working on it and will provide answer by XXXX XXXX. I said that XXXX has been working on this since XXXX and are just spinning my wheels and not interested in resolving the complaint. I have the discharge of mortgage but need the backyard fence, the deck, the swimming pool and Jacuzzi replaced which the mortgage fraud scam artist XXXX XXXX whom are still in the property have destroyed in the name of chase and jp morgan. When my loan was not in foreclosure and XXXX XXXX marked paid and closed. 

As I 've told her I would be satisfied with XXXX to replace this and to make me whole again by chase and jp morgan.
XXXX XXXX XXXX XXXX XXXX states the loan at XXXX XXXX XXXX was transferred from XXXX XXXX, parent company of XXXX XXXX XXXX on XXXX/XXXX/XXXX. 

There is no mention of XXXX XXXX XXXX Loans, yet XXXX XXXX XXXX stated the loan was subserviced from XXXX XXXX, until XXXX/XXXX/XXXX ( different dates ) and the loan was transferred to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX for servicing. 

XXXX have a different federal identification number, yet the same loan was used. The loan was transferred to Texas, where I 've been told by the XXXX there is property in Texas using my XXXX XXXX XXXX. 

The bankruptcy courts was n't notified of this transfer and I was under wage earner and made payments directly to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  never mentioned XXXX when responding to my complaints. 

I just learned of these transactions XXXX/XXXX/XXXX from XXXX XXXX XXXX. XXXX XXXX was n't listed on my credit report. I was laid off of my job on XXXX/XXXX/XXXX. I was told by the XXXX that XXXX XXXX XXXX XXXX XXXX amended and restated my loan. I mentioned this to XXXX XXXX XXXX XXXX XXXX when I first submitted my complaints. 

I 've also pulled my credit report from XXXX to learn that someone had an address on my credit report from Michigan. I have never lived there, visited there, nor do I have family there. 

I 've sent you copies of the statements that I 'm making. I sent you a copy of my XXXX, becausr my former employers have been deleted from my credit reports. I 'm submitting proof that I was employed with the company XXXX years. XXXX, when the loan on my home was being transferred I was applying for unemployment insurance. 

I received a settlement from a medical malpractice law sue I filed in XXXX XXXX. I was going through depositions in XXXX. My former employer and family members knew of this and took advantage. 

Someone employed with XXXX XXXX XXXX was working with them. My death was prepared by both parties in XXXX when I was flown to XXXX and told I would die without a XXXX transplant. I had acute XXXX XXXX and had to XXXX. 

XXXX XXXX the former XXXX resource XXXX told me when she laid me off, that she was going to fix it for me not to be able to get another job. I did n't know what she meant at the time, now I know. 

I 'm reporting Attorney XXXX XXXX to the Supreme Court for violating my rights. Attorney XXXX privacy, because he gave family members my personal information rather giving my information to the courts. 
You may want to trace payments made to you. 

Payments were made using checks with six digits and was made via wire. I never had a business to make those types of transactions. I had a checking account with XXXX XXXX XXXX. 

When I received the settlement I opened an account with XXXX XXXX. My home was broken into in XXXX/XXXX/XXXX my check books were stolen. All of my laptops was taken, my mother board. In XXXX XXXX my laptop was hacked into and all of my files was taken. In XXXX I was robbed and beaten, all my XXXX broken and have been told to keep quite. 
Yet I know the XXXX too well to do so. He have covered me with his XXXX and placed a shield of protection around me. 

If you need anything do n't hesitate to ask.
Hello, i have use Coinbase as a virtual currency wallet until the day i have lost my phone. I have contacted them on XX/XX/2017 to solve my problem but the answer was not helpful to me : " XX/XX/2017 XXXX XXXX PDT XXXX replied : Hi there, Sorry about this. 
We arent able to manually verify an ID. 
If you arent able to complete this on a webcam, I recommend using a mobile phone in bright window light. ( Download the app. Then click the hamburger menu > Settings > Identity verification. ) https : XXXX? XXXX XXXX XXXX XXXX XXXX.coinbase.XXXX If you are able to access a web cam, you can also try this direct link. It will work for GDAX too : https : //www.coinbase.com/XXXX Sorry again about this. Good news is youre almost there! 
Thanks, GDAX Support Team Best, XXXX " After some time reading on the internet from others with similar problems i have found out that there are a lots of people who need help like me.

i have decided to contact Coinbase again on XX/XX/2017PDT i have replied : I am stil unable to verify my identity. O own a laptop with webcam and it say unsupported country, I live in XXXX. Practically it is impossible for me to take that account back? " no answer, and i have writhe another mail : " Hello, I have lost my phone number, tried everything to get that number back but i can`t. 
The response on my last support ticket was to verify with a webcam my passport and myself, i have done that but it did not help because my passport is a XXXX one and i live in XXXX. 
Can someone please explain me what and how to get that account back? i can provide photos of me, my passport, driving licence bills, last password, last phone number and so on. And when it is not possible just tell me that directly please because i am tired of waiting. " And finaly i have an answer : " XX/XX/2017 | XXXX PDT XXXX replied : Hi, thank you for contacting Coinbase. 
Residents on our list of Supported Countries can access GDAX. 
First please upload your passport at this address : https : //www.coinbase.com/XXXX You may see a country does not match error, which is fine and expected. 
Second, please send us a recent utility bill, lease or mortgage document showing your legal name and residential address. For security purposes, we request that these files are uploaded at this secure page : https : //coinbase.XXXX Please reply here once you have uploaded the documents, then I can review your change. 
Thank you. 
Best, XXXX " Need to mention that i have uploaded every document they asked for and even more and i have replied 2 times with 0 success. 
This is the point where people get stuck with Coinbase. They wait for us to give up and let our money there, but that does not work with me. I don`t have so much money on my wallet blocked on this moment from me, but they are mine and because so many people have the same problem as me, i am really focused on getting whats is mine back. i want to apologize myself for writhing defects, English is not my mother language. 

Wish you the best of luck!
To whom it may concern : Loan # XXXX and equity # XXXXOcwen illegally try to extort money from me using " legal '' ways! 
I just received from them a " Pre foreclosure '' notice package. 
Their XXXX located managers never clear explain their " math '', how they figured out astronomical " late fees '', they just pressure on me to pay. It is strange, that since XX/XX/XXXX till XX/XX/XXXX they just collected " late fee charges '' and never try to make a real foreclosure! It looks like a scam! 
I request to remove all unfair " late fee charges '' Ocwen collected for almost XXXX years, because : My previous mortgage company GMAC was sold to Ocwen at XX/XX/XXXX. Included are a copies of my payments to GMAC. They show, that I paid AHEAD for any coming month, so, GMAC never charged me with late fees, it is a hard proof, that I always paid AHEAD for coming month, at time, with XXXX days each month period without interruption! No any " late fee charges '' shown on GMAC statements. At the time my GMAC account was sold to Ocwen account, I still continue make mortgage payments of {$1000.00} the same way I did to GMAC in XXXX days each month pay period, it is showing on my bank statements. My very last payment to GMAC for XX/XX/XXXX was completed the same way, ahead, on XX/XX/XXXX. Attached is a copy of my bank statement at this particular date, showing payments. My first payment to Ocwen was completed by XX/XX/XXXX also ahead for XX/XX/XXXX ( in XXXX days of each month period ). So, there is no interruptions with payments. 
Each following month I did payments at time, ahead, except for XX/XX/XXXX and XX/XX/XXXX, because there was dispute with Ocwen. 
XX/XX/XXXX I did not pay for XX/XX/XXXX and XX/XX/XXXX I did not pay for XX/XX/XXXX, I missed those XXXX payments for XX/XX/XXXX and XX/XX/XXXX because of dispute with Ocwen. 
XX/XX/XXXX I did two payments for missing XXXX month and did third one mortgage payment for coming XX/XX/XXXX month with included " late fee charges '', so, instead of {$1000.00} I paid {$1100.00} to cover " late fees for missed XXXX month ''. The next payments in XX/XX/XXXX were done also ahead for coming XX/XX/XXXX months XX/XX/XXXX At XX/XX/XXXX I did mortgage payment for XX/XX/XXXX ... ....
Good morning, this is my third time trying to solve this issue with Equifax and XXXX they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.
I received a message from XXXX. The message was for an ex-boyfriend I have n't seen in 12-13 years. Not only have I gotten married and have a different last name now, I have lived in XXXX different states and changed number a few times. I have no idea how the company got my number, and the message left threatened legal action and was very threatening overall. I wish I could tell him to make this complaint as well.
My American Express Bluebird card had prepaid balance of XXXX. I asked them to transfer the money to my bank account on XX/XX/XXXX. As of XX/XX/XXXX, they have still have not transferred the funds. I have done this in the past and it usually takes 1 or 2 days. I have made numerous calls to customer service, only to be told they are having technical issues and it will be resolved tomorrow. As of XX/XX/XXXX I was told it would be the XX/XX/XXXX at the earliest. I asked them if they would just credit the money back to the card to be told they can not do that. Finally I asked to be sent to customer service in the United States, they told me they can not do that and then put me on hold to be left there for 2 hours with no one answering the call. I then called back to a different customer service rep to go through the whole situation again.
I have received XXXX phone calls from a XXXX XXXX XXXX at XXXX XXXX. In my XXXX dealing with XXXX XXXX he claimed that I had a debt on an XXXX credit card in the amount of {$3000.00}. I informed him that I had just pulled my credit days prior to his phone call for a mortgage and that credit card shows a zero balance and has been cancelled. He told me that the debt is mine and must be paid. I asked him what his address was so that I could send a verification of debt letter. He refused to give me his address claiming I could be some sort of " whacko '' and " how did he know I was n't going to send him some sort of threatening mail. '' I assured him that all I wanted was his address. He refused. That 's when he told me he would sue me and file a lawsuit in the state of XXXX. He 's in XXXX. I then said if you ca n't supply me your address, I ca n't work with you. He called back yesterday claiming my drivers license would be suspended and that my wages would be garnished. I again asked for his address.. he again refused to give it to me. He then called back and left a voice mail stating he would settle the debt for {$2000.00}. He again threatened a law suit in the voice mail. Then on XXXX XXXX at XXXX XXXX XXXX XXXX called again threatening to file a lawsuit on Monday if I did not pay him his money. He then informed me that my fees would go up in excess of $ XXXX. XXXX XXXX is not giving me an opportunity to validate my debt.
I have a Citibank Student loan account on my credit report that continues to lower my score and I have never received any letters or notification about this, it has just appeared on my credit report. The student loan in question is past the statute of limitations, but hasn't appeared on my credit report before this.
XX/XX/XXXX Certegy was fined $ XXXX by the FTC for inaccurate reporting to credit agencies and for making it overly challenging for consumers to have it corrected as Certegy Refuses to do the proper research as required by law. They are still operating under these procedures and I am tired of this company destroying my credit. Certegy claims that in XX/XX/XXXX I had a check returned and unpaid that I wrote to Go-daddy. I have pulled up the receipt from the XX/XX/XXXX transaction with XXXX and it shows that it was paid with a credit card and settled in full immediately. I contacted Certegy and they stated that they have no records of the transaction but they continue to report to the credit agency that the check was a write off. The only possible explanation I can think of ( which I had to make up in my mind because there is no evidence of it ) is as follows. I had XXXX XXXX set up to pay by electronic check. When I moved to XXXX and opened a new account the payment did not clear as I had the old account closed. This showed as a returned e-check but was immediately paid by the secondary payment option ; my credit card. However ; Certegy stepped in the middle and says I had an unpaid bounced check. Certegy tells the credit agency it was never paid but then tells me they have no record of the transaction. I have the paid receipt and credit card transaction. How is it possible Certegy can claim to the credit agencies that I had a returned check on XXXX XXXX, XXXX when I have a paid credit card receipt for the transaction on XXXX XXXX XXXX, they tell me they have no record of it, AND ; I still have the XXXX account, have run thousands of dollars through it and sold the URL that was paid for in that transaction to another party 18 months ago. I have pulled up my XXXX account going back to XXXX and there is no returned payment for {$81.00}. However ; there is an {$81.00} paid transaction on a credit card on the same date. I have attached the receipt and the account history. I have been trying to get this off of my report for over two years. All Certegy and the XXXX XXXX do is send electronic messages instead of doing actual research like they forced me to do. I should not have to be the one to prove my innocence in this case. If they are going to put something on my credit report they should have to prove their claims.
A Debt Collector called me and informed me I was late on my line-of-credit payment. I had no clue what she was talking about. I finally concluded that a checking account and a line-of-credit was opened in my name in a Sate I lived 20 years earlier and decided to no longer make payments. 
I could n't verify account info, because I had no knowledge of these accounts in the first place. I was assured that Fraud Protection would get ahold of me, but after 2 months I still have n't heard a thing. I 've made repeated calls back to get a phone number for them, but was told they ca n't. My credit Score has plummeted from the XXXX to the high XXXX - sole because of this issue. 
I have tried calling the Financial Institution directly from my Credit Report, but they insist the debt is mine. They will not furnish me with details on who has been receiving the account statement, how long they 've been making payments or what the actual account numbers are. 
I am at a loss here. I pay my mortgage on time, I pay my car payments and credit cards on time, every month and this account pops up and is wrecking my life. It does't even pass the logic test. 
Someone must be able to furnish me with more info - and someone needs to rectify this account on record.
they saying my current add is not on their file, and wont sent report. I know they lying cause Transunion has my current add on file.
I was approved for the American Express XXXX XXXX  card on XX/XX/XXXX. The sign up offer was XXXX XXXX  points if you spent {$3000.00} within 3 months. The {$3000.00} spending requirement was met as evidenced on my XX/XX/XXXX statement. I have yet to receive the XXXX XXXX points. I have contacted American Express on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The responses have all been similar - someone is reviewing the account, please check back in " x '' weeks. 
It has now been close to 6 months since I have met the minimum spending requirement and have yet to receive the sign up bonus or any explanation as to the delay.
I cancelled a phone line which was ported to a new provider. Former telephone company refused to close account for months. I receive 1st collection letter which I timely disputed. Collection continues to contact me with following written communication which states : " All I can do is explain the alternative to you. From there, you have to determine whether the potential cost in time or otherwise, is worhwhile. Let me reiterate-the choice is yours ''.
I have been working on improving my credit score for the last year. In  XXXX  of   XXXX  , I noticed that all  XXXX  of my credit scores from Equifax,   XXXX   XXXX   XXXX   were at  XXXX . The n one  month later in  XXXX    XXXX  , my credit score at Equifax dropped  XXXX  points  in one da y, for no reason. There were no negative or positive changes that occurred on my reports to reflect such a significant decrease in points. This was confirmed verbally from all   XXXX   bureaus. I contacted Equifax again via phone on  XXXX   XXXX  at  XXXX . I spoke with a person who did not identify herself. I explained the situation, and she advised me that the company where I received my credit scores was reporting false informatio n (   XXXX   XXXX   ). I   asked again why my credit score went down so drastically, and that I needed her to walk me through the process of scoring. She repeated herself, and then advised that I needed to purchase Equifax monthly services to fully understand my credit. She said, " the only way you can get your score or understand why your score changes is to purch ase ( our ) monthly plan. '' I asked for a supervisor, who then repeated what the original person said. I spent two hours r esearching, which included the phone call, and got no information or clarity. There was no explanation of any kind concerning my decrease in points. This agency has my life information including any future success I might have on rebuilding my credit. I am concerned with the handling of any personal information this company has and how they conduct business. It is also disheartening that this company refuses to work for the people, instead against them. I will continue to file complaints until there is change.