WillisBack/dataset-financial-user-claim huggingface dataset:
Under the fcra section 611 i am allowed to request and receive documents that was received in determining that a debt is in fact valid. I contacted XXXX and was denied what was requested. I was told by a rep that they send somethi g to the agency reporting this debt and in return they say yes or no this is or isnt valid. I asked on several occasions to be sent MOV [ method of validation ] and i was denied. Their response is they have no idea if the debt is actually valid because everything is automated and they dont require them to send anything to validate the debts. There are collections and a closed account that i am unaware of. The closed account has my address being an address that is not even listed on my report. I have put a fraud alert on my report. Along with a statement that i have know knowledge of these accounts. I would like for the credit bureau to send me MOV within 15 days of this complaint or be in violation of my rights. Please delete unverified accounts on my report. I have been reinvestigating this matter for months. Without any information that i am requesting. I have been tild to contact the creditor which in fact i can get the info with a contract between me and the creditor or what was used to verify the debt from the bureau
Allied Interstate made debt collection calls to me after verifying they received a faxed cease and desist by e-mail. Additionally, iQor, a company not licensed to collect debts in Florida, contacted me to recover money. They blatantly violate the TCPA, FDCPA, and FCCPA. Additionally, XXXX recalled the debt because it never existed to begin with.
The lender is denying the clients mod review due to them stating that they can afford the current pmt - The clients had a loss of income and could not comply with the terms of previous mod approvals - requested the lender to take into account that the client now has the income to support a mod and the willingness to comply with the terms they set forth - The lender has stated that the client has reached the number of approved mod that are allowed - The guidelines do not have a limit to which the clients can be approved for a mod -
I have XXXX cards with Capital One, it was an attempt to rebuild my credit. This company business parctices and interest rates is slavery. I made XXXX cash advance a year ago and still am being charged interest on that. The interest that i pay for any purchase is well over my monthly payment. Its like a hole that you ca n't dig yourself out of. It 's ridiculous!! I do not use either card, and have not since last summer XXXX XXXX XXXX and still have no money for purchases due to the interest. Im being charged interest on making a payment too.
fees and payments were different than what they are deducting from my bank account ; additionally i have learned they are n't licensed or authorized to do business in VA ; also no instructions for stopping ACH transactions on statement ; terms and conditions or website.
I ca n't believe the horrible service I am receiving with USAA. I got an auto loan XX/XX/XXXX and it was paid off XX/XX/XXXX ( to make room on our debt ratio for a new home ). Up until that point, the loan was reported as paid as agreed with no lates. 

Suddenly when I paid off the loan, the loan was reported as having a 30 day late payment. To me, it is suspicious as to why that payment was never reported late before, but when I decide to pay off the loan, now it 's late? So I investigate further. After investigation, there was a payment in XXXX that was made to them, but never applied to the loan. The bank says they never received the payment. So, I find out that XXXX XXXX issued a cashier 's check to them on XX/XX/XXXX, but the check was never cashed. After further investigation, I find out that the check was delivered to them on XX/XX/XXXX via XXXX and delivered to the front desk. Their response, they never recieved the payment, so it is not a bank error - and they left the 30 day late payment on my credit report. This XXXX late payment caused my credit scores to drop XXXX points on XXXX bureau - XXXX points on another and I 'm still waiting on the last bureau to get this negative information. 

On my credit report, I have no late payments and my other loans with USAA are always made on time. This XXXX missing payment is truly an anomoly. Instead of fixing their mistake, they continue to give me the run around. They tell me that they are researching it, but most likely it is n't a banking error. They tell me that even though they signed for it, it still is not their mistake. When I asked why, when I called to inquire about the late notices I was getting, they kept telling me that there was a small balance left over from the previous month, even though payment was made for more than the payment due amount. I was told to disregard the notices. 

My question is if I have proof a payment was mailed to them, and signed/delivered to them by XXXX, how is this anything but a banking error?
I have tried to contact Global credit to inform them of the inaccuracy of this collection account and have not received a response from them. The telephone numbers that are listed on my credit report and on the internet for them is incorrect. I am requesting that the information that is being provided by Global Credit be ceased and desisted.
I have been turned down living circumstances and other financial services because XXXX and XXXX XXXX eqifax all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm
My monthly payment is on auto-debit. The payment increased last month due to a rise in interest rates. My administrator, Navient, sent no notice that this was going to happen so my bank charged an NSF fee. I contacted Navient and they explained to me that they are under no obligation to inform me of such a change.
On XX/XX/XXXX I discovered a unverified account in the amount of {$2400.00} and a 30 late payment posted on XX/XX/XXXX in my TransUnion credit report. I sent TransUnion a certified letter with return receipt on XX/XX/XXXX asking them to properly verify this unverified account and late payment under the FCRA Federal Law. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account like the XXXX  Breach. I requested them to send me a Promissory Note or contract bearing my signature to these accounts in their files for proper validation under FCRA 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX, TransUnion sent me a generic response with no validation to the unverified account or the late payment but stated they were verified.

On XX/XX/XXXX, I sent TransUnion another certified letter with return receipt requesting their Method of Verification for this unverified account an late payment under FCRA 611 ( a ) ( 6 ) and ( 7 ). Once again, TransUnion sent me the same generic letter with no validation for these 2 accounts but stated they were verified.

I have attached my letters with the return receipts and their response to this matter. It is very clear that TransUnion ignored my dispute and did not take it seriously. Two of my consumer rights have been violated under the FCRA Federal Law!
This is not a debt I owe. This is money owed to me from a debt collection agency. 
On XX/XX/2018 I sent a letter to XXXX XXXX of XXXX ( XXXX XXXX, DBA EOS XXXX,XXXX XXXX XXXX , XXXX , MA XXXX-XXXX ). They had sent me a refund check for {$170.00} that bounced. I requested a replacement. Months later I contacted the XXXX XXXX XXXX of XXXX. Complaint was closed then re-opened several times. Still no refund. 

I understand this is a small amount, but it means a lot to me. This company is not accredited by the XXXX and has been lawsuits pending.
When I applied for this loan, I was not given a definitive interest rate nor payment amount. I was desparate and took it anyway based on being assured I would receive the complete information when the loan was completed processing. I was told I had until my first due date to return the money if I did n't like the terms. I told the company I do n't do business by email but was told that was the only way for me to get my loan information. I have requested the terms and payment schedule in writing but was refused saying they only use electronic communications, however their loan offers still continue to arrive USPS along with their collection notices. I still have n't gotten the loan information even by email. I borrowed {$800.00} which was deposited electronically into my checking account. Without my knowledge or approval, {$210.00} was then withdrawn by CashNet out of that same account. When I called CashNet about this, I was told that is how repayment is done but yet the company still REFUSED to give me a definitive payment amount or due date. I have refused to make payments until this matter is settled.
I submitted a complaint yesterday about this problem. Complaint No. XXXX. This morning, a Sunday, at XXXX I received another threatening call from Macy 's to pay my bill ( which was never received ) or else ; I explained the situation again and was told they mailed a bill to me on XXXX, XXXX ; how could I possibly receive it in XXXX day since there is no mail received on Sunday. I have been getting these calls on a daily basis at all hours of the day and night, but it seems to me that since I told them originally last week that I never got a bill, they should have mailed me a bill at that time instead of harassing me with daily phone calls when their records show the bill was just mailed two days ago and no mail is received on a Sunday.
this is a debt collector that is trying to collect on my ex-wife that I have not seen or talked to in yrs. The collector told me my name was used as a reference. I told the collector to stop contacting me. However the calls keep coming. All I have is the phone number. XXXX. Please help me. Thank you.
. Here is the Needed Information. 
XXXX XXXX, XXXX I went to XXXX at XXXX pm as usual for a work day. 
- unauthorized transaction occurred at XXXX and XXXX XXXX western union transfers to the XXXX occurred. These were transaction XXXX for {$980.00} and XXXX for {$990.00}. They were picked up at XXXX and XXXX. 

XXXX XXXX, XXXX around XXXX I woke up from sleep and saw the transactions in the email. I called western union to stop them. They replied it went through and was picked up in XXXX city. They recorded my immediate dispute as # XXXX. They said to file and internet fraud report at 1c3.gov. 
- I filed the fraud report at ic3.gov. 
- I called XXXX XXXX XXXX They said the hackers they to send a third transaction but the card locked up. I sent dispute message to XXXX XXXX. 
- I messengered XXXX XXXX. 
She said she was at work at the pick up time and lives XXXX hours away from XXXX. I had sent her {$50.00} for XXXX XXXX on XXXX XXXX, XXXX - I called Western union and asked for verification who picked up the money. They said they would not release the information. They would not tell me the Ip Address of who access my Western Union Account. This would only be released to the police. 
- XXXX XXXX acknowledged at XXXX am that I spoke to the security via message. 

I have used Western union several times. The most sent in XXXX years was {$200.00} in a single transaction. Only once did I transfer money to the XXXX and that was {$50.00} on XXXX XXXX, XXXX. It not realistic with in past practice of spending that I would send {$2000.00} total in the middle of the night to the XXXX. That should have set off the fraud alerts. I got a call from the XXXX hotline this week about a {$30.00} XXXX bill and not these transactions? It does not make sense. 
Western union does not have XXXX factor authentications, security questions, automatic lockout, ip tracking, unique login name or phone security codes which would have alerted Western union and me that hacking was occurring. My credit card is on file visible to the hackers. All these need is my email which is readily on online. They can use a password cracking software until successful. The XXXX digit id number can be tried at other sites until successful. Western Union does not allow the customer to set a maximum transfer limit to require a phone call if it needs to be exceeded. 

I will be glad to take a lie detection test if necessary. I called all parties immediately in the middle of the night once seeing the transfers. I did not make these transfers and would like my money back. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Dear sir or madam, I am writing this complaint in regard to my lender, Navient. I have been attempting to contact Navient for the last couple of weeks regarding my monthly payments - specifically, potentially lowering my monthly payments since I am not only unemployed, but my payment amount has gone up with no explanation ( it is now {$500.00} when it was about {$480.00} only a couple months ago ). I have emailed Navient twice ( XXXX XXXX and XXXX XXXX of this year ) with the promise that my account would be reviewed and that I would receive a response shortly. I have not gotten a response to either email, and I think that more than two weeks should be enough time to be at least acknowledged by a live person from Navient. 

I submitted a complaint here about Navient in 2015 and I have filled out the financial information sheet that was emailed to me by a XXXX XXXX XXXX XXXX ; I attempted to email the completed form to XXXX XXXX, but when I sent the email, I immediately received an automatic response saying that my email could not be delivered because " delivery to this address is restricted. '' In addition, I requested proof of validation of debt from Navient starting in XXXX of 2015 and repeatedly reminded them of my request in the handful of letters I sent to them via the postal system. Navient simply told me they had already sent me this documentation, but I never received it. 

The primary concern I would like to address is the monthly payments and trying to negotiate a lower amount that I can afford each month. Of course, I will alert Navient if, at any time in the future, I am able to afford to pay a higher amount. The secondary concern I would like to discuss is Navient providing me with proof that the debt in my name is, in fact, valid. Thank you very much for your time. 

Best, XXXX XXXX
My name is XXXX XXXX and I have a mortgage loan with Mr Cooper I recently changed my insurance company and my insurance company forwarded the invoice with the premium amount of {$2000.00} to them in return my mortgage company sent a check for {$2800.00} to them which is higher than the premium they demanded. My insurance company returned the check back for {$2800.00} to them. My mortgage company for the second time sent another check for {$2800.00} still higher than the initial demand my insurance company requested for. The consequence of this is that my mortgage company increased my monthly mortgage payment from {$1500.00} to {$1500.00} after they did their escrow analysis based on the increased premium they paid to my insurance company on their own error they made twice. They say they would decrease my monthly payment after they receive the difference in refund from the insurance company. The question at this stage is why should I bear the brunt based on their error? Why did they not do the analysis based on the normal premium of {$2000.00} and {$2100.00} for their own error. I think this is unprofessional and unethical.I spoke to one XXXX a supervisor and she stood on their ground that I would pay that increased premium until they get the difference in refund. I think I am being taken advantage of because I have their money
When our loan was bought ( from XXXX ) by Nationstar Mortgage ( in XXXX of 2016 ) it was mistakenly transferred as an Escrow Loan. Somebody must have ticked the wrong box. Our loan was written from the beginning and is a NON Escrow loan. They also said we had a lapse on insurance coverage which we did n't. 

By XXXX of 2016 they were claiming that we owed them XXXX of dollars in Escrow and they started the collections calls. 

We have repeatedly called in conference with our homeowners insurance agent and with our mortgage broker and have provided Nationstar with all the necessary documents : CLOSING DISCLOSURE and INSURANCE CERTIFICATE which clearly show that we do n't owe any money in ESCROW because No 1 ) this was a NON ESCROW loan to begin with AND No 2 ) because we have fully paid our homeowners insurance for the year, PLUS we have FULLY paid our taxes for the year. The collections calls continued. Looks like the collections department, their insurance department and their escrow department not only have different XXXX numbers but they must be on different continents or maybe on a different PLANET!!! Makes you wonder! 

To make a long story LONGER, after 5 conference calls numerous other calls and 3 months that we have been trying to resolve this issue Nationstar Mortgage sent us a letter dated XXXX XXXX with a research reference number, saying that the matter is being investigated. They also assured us over the phone that the matter would be taken care of and that they had all necessary documentation at this point. 

A few days ago we started getting the collections calls again at a regular basis, which in Nationstar fashion means every single hour of every single day, literally! Those calls must be robot generated but the human being at the end of the line if you answer the call, is far from human, as I said, probably planetary and galactic migration is a fact for this Mortgage company. 

I just called them this afternoon again and after 15 minutes with all the preliminary stuff, which is typical, and 20 minutes on hold because the " agent '' aka XXXX aka XXXX, was looking for the loan and then she was looking for the notes and then was verifying everything over and over, and making sure that I know that this call is being monitored and recorded for quality assurance purposes, and this is an attempt to collect a debt, she told me that the RESEARCH REFERENCE number that I gave her ( which was on the letter that they sent me ) was the WRONG number, but that she had found in the notes that " our request was rejected BUT that our claim was PENDING ''!!! WHAAAAATTTT?????? 

Help! Please! Someone? Anyone? 
Nationstar Mortgage SHOULD NOT EXIST AS A COMPANY ... not a mortgage company! As a company at all!!!
The credit reporting company has stated that my account for XXXX XXXX XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. According to FCRA 609A 1. Where is the proof? 2. Why is this account being updated?
My loan is being serviced by Shellpoint Mortgage Servicing. During the brief time this company has been a serviced by Shellpoint, I have experienced nothing but difficulty.

My username and login will not work on their website, so I can not set up autopay. I opened numerous support tickets, but have gotten no resolution.

I sent in all of the Insurance data as requested, they did not record it, I e-mailed it in 3 different time as directed, with no response. I also tried using their automated insurance collection system, but they did not receive that either, this was only resolved after I called and practically forced the unhelpful woman on the phone to record it, then send me a confirmation e mail before we got off the line. 

This company makes paying your mortgage incredibly difficult, tried to initiate a lender placed homeowners policy even though I had used every available method multiple times to submit my policy, sent numerous threatening letters during this process. 

Please look into their processes, it is not fair that people have to deal with this level of incompetence when trying to service a loan.
In XXXX I signed up to attend University XXXX XXXX XXXX. I placed a loan for XXXX. Unfortunately due to unforeseen circumstances, I had to withdraw. I was told that if I withdrew before the time frame, I would not owe the grant I received ( I already knew I was going to have to pay back the XXXX ) in XXXX, I received a phone call from a lady telling me she worked with XXXX XXXX and she was calling in reference to my accounts. I told her I only had XXXX account and she proceeded to tell me " no you just must not remember but you have XXXX. '' I know what I had since I did n't attend long. She kept telling me that I had to consolidate and there was nothing else we could do. I kept telling her that i did n't want to consolidate as i only had the XXXX loan. She repeatedly kept pushing me telling me that this was the only option otherwise they were going to take my taxes for a very long time. Finally i agreed to consolidate. She told me i had to send a certain amount of payments and then before i send anything else after those payments, wait for my coupon book to arrive. The coupon book never arrived and XX/XX/XXXX, my taxes were taken in the amount of XXXX. I am a mom of XXXX and live paycheck to paycheck as it is. I know that i did not have XXXX loans from XXXX XXXX. Now that they have changed their name, they are again telling me i had another loan " I must have forgotten about '' how are they able to do this????
my ex husband and his lawyer sent a subpoena to my mtg company for my application, payment history etc and seterus gave it to them, this is not a court order just a request from my ex husband who is not on my loan and never has been the home is in my name only and bought before we were married, my ex husband now has all my personal information and mtg information this was given to him in XXXX 2015 I just found out he had this information because he used it in court for our divorce / custody battle we have now. I do n't think he has the legal right to this information and that seterus committed third party disclosure of my info. had a court or judge ordered this I would understand but none of that was done. even the judge was shocked he had this information.
XXXX XXXX XXXX is reporting erroneously on XXXX, Transunion and XXXX  credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( XXXX  has this correct ) but XXXX was 60 days late, XXXX 90 days late and then closed XX/XX/XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XX/XX/XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXX XXXX should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.
I was using coinbase/XXXX since XX/XX/XXXX for automatic trading. Due to a bug in my software I violated their terms of use by sending too many requests to their API.  Unfortunately I overlooked a warning they sent me, so my XXXX account got locked and my coinbase account restricted on On XX/XX/XXXX to withdraws only. My XXXX  account had ~2500 on it when this happend ( which I am locked out of ). I responded immediately via mail and asked them to unlock my XXXX funds or even activate me for API usage again stating that I fixed my bug. 

I called them on XX/XX/XXXX. The service agent told me, he could not do anything for me and that he escalated my ticket to a specialist. After I did not get any response, I asked for an update on my ticket on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX via email. I also tried to contact the coinbase staff on XXXX. There has not been any response and I still have no access to my assets on XXXX.
They call over and over again, back to back and for hours on end never leaving a message. I only figured out who it was by looking up the number. If you do answer they are rude and abusive