WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted two requests to Experian to verify and validate two charged off accounts appearing on my credit report. I have requested they provide me the copies of the original signed contract, all relevant account information, and the name of the person whom verified the information. The accounts are with XXXX XXXX and XXXX XXXX. My first request was submitted to Experian on XXXX XXXX, XXXX. Their response stated that the information reported was verified. I then submitted a second request on XXXX XXXX, XXXX and again the response only stated that the information provided was verified. These responses are inadequate under the FCRA as they failed to provide the requested documentation and method of verification. I request that Experian conduct a proper re-investigation and provide me with the information requested. I also request that Experian provide me with all relevant documentation they have in their possession and receive as a result of their re-investigation. I understand that Experian out sources all of their disputes to foreign contractors and they are given between 18 and 90 seconds to investigate disputes. This in and of itself is a violation of the FCRA in that a proper re-investigation is not conducted.
XXXX XXXX XXXX XXXX is a lender based policy taken out by XXXX XXXX who is my mortgage lender of my VA loan. I had a slab leak XX/XX/2018. I re-piped my home XX/XX/2018 to avoid another leak. XXXX assigned XXXX XXXX XXXX to handle this claim. They would not repair the leak but stated they would repair items in the home damaged by the water leak. The claim number is XXXX, adjuster in charge of the claim is XXXX XXXX. Phone # XXXX, ext XXXX. I have called and left messages with no return call. I need to know what repairs they will authorize so I can move forward. My Home is in disarray and I'm frustrated at their lack of regard. Adjuster for this company came out two weeks ago and the contractor I want to do the work came out and met with the adjuster to discuss the repairs needed to get my home fixed. No response from anyone on what they will or will not approve. Please Help this VET!!!
This is my second complaint towards Synchrony Bank ( aka. Care Credit ). They are again miss applying my payments and calling me saying I am behind on my account. I pay every 2 weeks without fail. I tried to talk to the person on the other end of the phone but they either did n't understand what I was saying or did n't want to hear what I had to say. I should be ahead by XXXX or more payments at this time and there should not be any reason for them to call me.
XXXX XXXX is reporting debt collections on my credit file that I do not owe. These collections are not mine! I have never received any notices for them, and I do not know what they are for.
On XX/XX/XXXX at XXXX XXXX a voicemail message was received from a man named XXXX  stating he was a private courier commissioned in the State of Alabama was calling to notify us of sealed legal documents he needed to deliver to us. He said the documents required my husbands signature in order for him to release them he said " so I'm headed to your address in XXXX County shortly and when he arrived my husband needed to be available with a state issued ID in order to sign for the documents he said if we were not there he would then go to my husbands place of employment. He said if we had any questions or if we would prefer to schedule a time and a place that my husband could be to meet him to contact the filing party at ( XXXX ) XXXX-XXXX and mention case # XXXX.

I called the number back and a man named XXXX answered the phone. The company name he gave was XXXX XXXX. He said this was concerning a loan my husband made online and they were now suing us. I asked him to provide me with the circuit court case number in my county, as well as the attorney representing XXXX XXXX ( the lender ) and he said he didn't have it. That he will get my information to his " client '' and I will be hearing from them. He mentioned the client name was JTM Capital Management on behalf of XXXX XXXX. I hung up the phone with him and began doing research. There is not a lawsuit filed under XXXX XXXX, JTM Capital Management, or XXXX XXXX against myself or my husband. The county requires process servers to have license numbers which " XXXX '' nor " XXXX  '' provided in any communications, and the company XXXX   XXXX  is located in New York, and is a collection agency which states this is an attempt to collect a debt on their website.

I called " XXXX '' back on the number " XXXX '' left on the voicemail and he yet again had no answers for me. Nor would he provide me any contact information to his " clients '' he was fairly rude when I informed him of what I had found out about the company he works for and started raising his voice which made me feel uncomfortable so I ended the phone call by hanging up.

This company is attempting to inflict fear upon consumers at any length in order for them to make their commission for the month in their call center. The background noise of both the voicemail from " XXXX  '' and " XXXX  '' were very similar of other men leaving the same messages for other people. It really was not difficult to discover what this company was attempting to do, as well as discover that their collection practices are illegal.

The address to XXXX XXXX is XXXX XXXX XXXX, NY. XXXX.

It is very frightening to have strangers with no legal ground threatening to come to my home. I have the voice mail " XXXX  '' left saved on my phone and will be more than happy to play it, as he is stating he is commissioned in the state of Alabama which would require him to provide me with information proving that as true
Thought I was talking to my cousin and he was telling me about getting grant So I did it and they needed some funds for shipping and clearance
I had an account with fifth third bank that I had not used in over a year. There was a single deduction still being made from the account that I was unaware of. I was notified by an automated phone call that there was a problem with my account which prompted me to call the bank. Upon making this call I learned that there was an over draft ; informing me that the account -- that I thought was inactive -- was actually still being debited. I asked the individual how I could bring the account current ; the option of just paying the debt via a credit card ( which I later found out would have been an option ) was not offered. He offered no solution other than for the company to whom the payment was made to refund the money to the bank. I have never received any mailings regarding the account being delinquent or overdrawn from XXXX bank. I did, however, receive a mailing from XXXX XXXX collections agency to my correct and current address which they stated was obtained from fifth third bank. I am curious as to why the bank did not send me any notification of the accounts status or its pending transfer to a collections agency. I have subsequently paid off this debt in full to the collections agency but am unhappy that a customer of any bank could be sent to collections without proper notification ; particularly after I had reached out to them to correct the problem. It is also interesting that the collections agency actually obtained my address from XXXX bank per their employee ( name and employee number in my possession ). And, to boot, the account could have simply been brought current and closed over the phone avoiding all of the hassles and headaches thus far.
Hello, I am writing to dispute a collection reflecting on my credit report.

Creditor : UNIVERSAL RE Amount : {$74.00} Date Opened XX/XX/XXXX This shows it's a debt for an insurance agency. I do not recall this payment and was not notified of this bill until I pulled my credit recently.

I have called this creditor to get this resolved but they can not guarantee this can be removed even if I pay this.

I would like to request this debt to be Removed from my credit report.

Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. 

Thank you, XXXX XXXX
I have a loan I took out with Best Egg. Every time I login to check a balance or see activity they have denied me access to it from the beginning even though I have never been delinquent. When I have repeatedly made the request to have it available to me online when I log in -- they always give me the excuse that they can not post the information online because it is a privacy issue. The only hope I have of even getting close to getting a statement is by looking at the payoff balance which they tell me is subject to change at any time. I have access to all my daily activity reports and statements with all my financial institutions. There is no excuse for telling me that I can not see any statements online. I believe that they are withholding information that they do not want me to have access to. If so, I will apply for another loan elsewhere and close this one out but right now, I have not seen anything approximating an accurate or up to date statement. My sense is that they are scamming me somewhere in the process.
Hi and thank you for your help. 
Seven days ago I made a direct deposit payment to my Bank of America Visa Card linked to XXXX XXXX XXXX. The direct deposit was reflected from my checking account six days ago. The money has still not posted. BofA has no idea where the money is no idea why it's not reflected as payment. 

The amount would have paid off my balance and allowed me to purchase much needed supplies for work. As it sets I have been unable to work because my money has disappeared. The issues has created significant losses, I'm unable to purchase supplies for work. 

Per a credit card staff reported the delay could be a marketing ploy to push customers into downloading their app. This has to be illegal. 

I need help finding my money and addressing the losses do to their marketing program.
I submitted a wire transfer in the amount of {$5000.00} on the morning of XXXX/XXXX/XXXX from my bank ( XXXX XXXX ) to Coinbase, Inc. ( XXXX Account ) Coinbase, Inc XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXXXXXXXXXX I followed the wire transfer instructions exactly as outlined on the CoinbaseXXXXXXXX website, however, it is now the evening of XXXX/XXXX/XXXX and Coinbase has yet to credit my account with my wire transfer. XXXXXXXX XXXX lists the wire as " Completed '' and provided the following reference and XXXX numbers : ONLINE WIRE TRANSFER VIA : XXXX XXXX XXXX : COINBASE, INC XXXX XXXX CA XXXX XXXX REF : XXXX XXXX : XXXX TRN : XXXX XXXX OUTGOING WIRE TRANSFER - {$5000.00} Both XXXX and Coinbase state the wire transfer will be completed and posted to your account withing the same business day if completed by XXXX EST. It has now been 3 business days. I have e-mailed CoinbaseXXXX support multiple times and have only received automated responses.
Our mortgage servicing company based in Texas called Residential Credit Solution is NOT offering us an option to communicate with them electronically to resolve an issue with slamming. Despite the fact that we are paying for property insurance, they are adding the amount to our mortgage balance. Their customer service front-line folks are unable to provide the source of the escrow funds and only provide the balance. They wants us to chase their escrow folks. It appears they are on commission and only care about collection.
I contacted debt collector and advice I have no knowledge of account and its not mines. They remove from my XXXX and XXXX report I been in constant contact with XXXX they refuse to remove I need this remove immediately from my account it is not mines.
The number ( XXXX ) XXXX has called me XXXX a day trying to collect a debt. It is a machine when I answer and call back. The machine asked for a payment and I refused. Then it asked for my zip code and I gave it to them. It said they could not find an account. They continue to call. I do n't have any debt as I am young. I blocked the phone number and then ( XXXX ) XXXX proceeded to call me XXXX a day. Same thing as before.
On XXXX XXXX, 2016 at around XXXX, I submitted a Fed money wire of {$18000.00} via XXXX XXXX website to XXXX of my online savings accounts at Ally Bank . I received via the XXXX website a completed wire conformation with the the federal reference number. On Monday, XXXX XXXX, 2016 I contacted Ally Bank since the money was still not in my Ally savings account. The service rep at Ally showed no pending wire transfer activity and also checked with their wire department at my request. They found no activity. 
This same day I contacted XXXX and they said their records reflected that the {$18000.00} was delivered to Ally Bank. I then asked and XXXX agreed to arrange a conference call with Ally Bank to try and determine the cause of the problem. We confirmed the that the routing number and account number were correct. We ended the conversation with Ally Bank, since they still showed no money transfer activity from XXXX into my account ( at AllyBank ). 
XXXX was very helpful and said they would try and find out what happened and if Ally Bank had rejected the transfer, it would take XXXX days from XXXX XXXX for XXXX to see it. The XXXX management rep said he would pursue it further and would call me in the afternoon of the next day. 
The next day XXXX XXXX, 2016, XXXX contacted me and said Ally Bank had in a fact rejected the transfer. I was told that the apparent reason for the rejection stated, unable to apply to account due to incorrect routing number and or account number. We had already confirmed that all the routing and account numbers were correct- so the reason for the rejection was incorrect. That same day XXXX sent another wire of {$18000.00} which was delivered into my account on XXXX XXXX, 2016. 
I again called Ally Bank and spoke to another supervisor who took my information and gave me a case # XXXX. He still could n't provide me with why the original transfer had rejected back to XXXX. I also sent an email to Ally bank customer service yesterday ( XXXX XXXX ) and indicted that if I did n't get an answer today, I would write to the CFPB. As of the writing I 've received no reply. 

All I want to know as I 've asked Ally Bank repeatedly is what was the actual reason my money wire was rejected and for them to reassure me that It would not happen again. As I mentioned to Ally Bank I had to use money from other sources because the money was not in my account on XXXX XXXX, 2016. Please help get an answer. I 've received no help at all from their customer service or customer disservice in this case. Thank you for your help.
This is regarding gift cards from TD Bank. I was given XXXX TD Bank XXXX Debit cards at various times as gifts. Both are unexpired. I put them away with some othe gift cards I had accumulated for a larger purchase. 
I attempted to make tis purchase with these cards recently. The other XXXX cards I had, XXXX XXXX cards and another XXXX Debit card from " XXXX '' worked without problem. The XXXX from TD Bank, I was told required a PIN number to be used, even though the sticker on the cards said that they were active and ready to use. My wife registered the cards and set PIN Numbers for both cards. While registering the cards, we found that the cards had depleted in value. The {$50.00} card was now worth {$40.00} and the {$150.00} card was now worth {$110.00}. 
The cards were brought back to XXXX for use, and again they were declined. 
I went to the TD Bank branch office in XXXX NJ and spoke with the " store manager '' XXXX XXXX. I told my story and asked that the cards be cashed out since they apparently did not work, several times, in a store. 
He said that there was nothing he could do, that company policy was that they could not be cashed out. He put me on the phone with the credit card office to discuss why the PIN did not work. 
I spoke with " XXXX '', a supervisor. He looked up the cards registered under my name. He said that they were registered, but that there were no PINS assigned. I assured him that my wife had done this, he assured me that she had not. He said that if I go through the process again, that PINS will be assigned and they will be fine. 
We have already been through this. I wont go through it again. If I do, and we again attempt to use cards that dont work we will look foolish, and probably with suspicion. I want the value of the cards in CASH. I want to know why fees of {$50.00} can be removed from these cards. I had XXXX other cards, from different vendors that worked fine. I believe that whats being done is fraudulent and predatory.
I paid my parking ticket that was received in the city of XXXX XXXX. I should not be receiving this request.
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I have made several attempts to get your help with this fraudulent loan made by XXXX XXXX, loan number XXXX. In my last complaints your office keep closing my cases and your summary of my complaint issue on prior complaints are incorrect. I would like to submit another complaint and have my prior complaint amended with this submission. XXXX. I've submitted the Uniform Affidavit and I've had no further response.

I also would like a Confirmed Sll disclaimer and need explanation of how it could be resource that could help me resolve this injustice of 10 years we have endured. I am in receipt of a letter from XXXX XXXX XXXX, Senator office, stating that XXXX XXXX in her XXXX XXXX office has been asked to assist me. I would like our home released from this fraudulent loan and the loan given to it's rightful owner. XXXX XXXX. We did not take part in this loan nor did we receive anything from it. It was done illegally and without us having any knowledge of it. XXXX XXXX did spend 4 years in prison, of a 8 year sentence. When I receive correspondence from your office it has his name as the complainter which in fact it is I XXXX XXXX. It may be because the loan is in his name, please respond to me,
THIS IS NOT A DUPLICATE. 
I AM FILING A COMPLAINT AGAINST MR. COOPER ( MORTGAGE COMPANY ) LOAN # MR. COOPER CASE REFERENCE # 2 PROPERTY ADDRESS : Mr.Cooper ( Mortgage Company ) is attempting to modify my existing signed contracted mortgage agreement by making false statements. I have enclosed all necessary correspondence letters for your review. In the letter from Mr. Cooper dated XX/XX/2018 they clearly state '' Through review of the account history we verified there hasn't been any 30 day or more late payments received. '' That statement confirms that there was no reason to change or modify my original signed contract with XXXX XXXX of me ( owner ) to continue to make property tax payments directly to the XXXX XXXX   XXXX. Mr Cooper made an erroneous payment to the XXXX XXXX XXXX without cause. Also on the same letter dated XX/XX/2018, Mr. Cooper stated that they spoke to " Tax Collector XXXX, confirming the funds they remitted will be used towards the 3rd installment for the taxes ''. THIS STATEMENT IS COMPLETELY FALSE AND UNTRUE! I have enclosed a letter dated XX/XX/2018 from the actual tax collector for the XXXX XXXX  XXXX, NJ, XXXX XXXX XXXX, clearly stating that " The XXXX XXXX  XXXX does not apply bank payments made to an open quarter and then transfer that payment out and reapply to a future tax quarter '' .In conjunction with that statement, XXXX XXXX , also states " In the instance where a bank identified that they made a payment to a parcel in error, upon written request, the bank will be refunded the erroneous payment ''. Which is exactly the situation here, the payment that Mr.Cooper made to the XXXX XXXX XXXX was in error. Nothing on my part, caused Mr. Cooper to make that payment, and most importantly it's not part of my original signed contracted agreement for them to make property tax payments. Bottom line, the payment should have never been sent by Mr. Cooper. Therefore, I am demanding that Mr. Cooper request a refund from the XXXX XXXX XXXX directly, and exclude the modified amount from my account. The signed contracted agreement can not be changed due to an error by Mr. Cooper. I am not paying any additional amount or extra payment.
This is a long story that started with a Ch.   XXXX   BK in  XX/XX/XXXX . BK ended in  XX/XX/XXXX . My original mortgage was in  XX/XX/XXXX  just before collapse of real estate market with Countrywide. The mortgage moved to BofA, then to   XXXX   XXXX   XXXX   XXXX  , then a shady secret account called   XXXX   XXXX  .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   Then to a collection agency :   XXXX   and now since  XX/XX/XXXX with  XXXX , but  XXXX  still holds the deed. the 2 later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When Bank of America transferred it to   XXXX   XXXX   XXXX  , they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In  XX/XX/XXXX . Yet, after BK was over and  XXXX  took over they kept claiming I owed anywhere from $ 12K to $ 25K in unpaid mortgages they couldnt quite get their numbers straightI have been fighting to get some straight accounting from the start of mortgage with BofA but no one is willing to do their homework. Bof A didnt give the right numbers to   XXXX   XXXX   XXXX   XXXX   ever ... and neither of them bothered to find out .... and in  XX/XX/XXXX , they started cashing my checks electronically from  XXXX   XXXX  which somehow, I never got credit for, so when  XXXX  took over in  XX/XX/XXXX , they claimed I owed {$15.00} K approximately. even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XX/XX/XXXX . I do not get any statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owe over {$7000.00} since   XXXX   ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in  XXXX  due to flexible rates ... ( I thought it {$1200.00} but have been paying {$1400.00} ) even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact, which they did n't ... I get lots of letters claiming to default on my condo and asking if I qualify as a veteran ... but none with any amounts in it ... I have never received a proper statement. Every check I pay with, I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink. I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my {$15.00} K back or at least applied to principal. During  XX/XX/XXXX i did n't even get a 1098 Tax form credit of mortgage interest payments to use against my taxes ...