WillisBack/dataset-financial-user-claim huggingface dataset:
This past summer I recieved a call from United recovery systems in their attempt to collect a debt for XXXX who had been sending said notice to address i hadnt lived at in almost 3 years and calling an out of service number which is why i hadnt paid it I did n't know about it. I spoke to a young man and we discussed the situation and i agreed that the account they were attempting to collect was in fact mine and requested to have communication about the aforementioned to my current address, but it never came. Then the calls started coming in. Some lady named XXXX XXXX would call me daily more than once and leave voicemails, so many so that I had to block her number from calling me while I waited for the paper communication for the debt which never came. I recently got a new phone and got into contact with XXXX XXXX aND she told me it was n't my right to have a paper communication of my debt sent to me and that all it would tell me is exactly the information what she was telling me on the phone, I told her okay aND that I 'd call her back when I had the funds to begin payments on what I owed, so since i got the new phone XXXX XXXX number was no longer on my auto reject list. She called me once this morning and I work on XXXX and told her I was unableto talk and that I would call her back when I got a chance and to please not call me again, well XXXX hours later she called me again even though I asked her not to. I have since contacted XXXX and paid half of the debt I owe directly through them
In XXXX we were sent a escrow overpayment check from our mortgage company Amerihome Mortgage. In XXXX we received a statement and our payment had gone up. We called the mortgage company and they explained to use that the payment had gone up due to a shortage in our escrow because of a forced gap insurance on our policy. We asked then why there was a shortage when we had only had the house a year and it was enough to receive the mortgage. We made the payment to cover the " gap insurance '' and our mortgage went back down. Then in XXXX there was another credit for over payment. In XXXX we received a mortgage statement and our payment had gone up again. The first customer service rep told us that it was extra insurance added due to earthquake insurance. ( which is covered under our home owners and we are not on a fault line ) The next day we received another call saying it was not earthquake insurance but more flood insurance. ( which would now make twice on top of our original flood insurance we already pay ) The customer service rep stated that we pay {$2400.00} a year in insurance and we need to maybe look around for other insurance. We contacted our insurance company which states that we only owe {$1600.00} a year. When we contacted the mortgage company again the customer service rep just kept arguing and hung up on me. They are telling me that it is extra insurance but our insurance says otherwise and frankly we are at a breaking point.
Phoenix Financial Services is violating the FDCPA. Back in XXXX XXXX, they sent me a bill which I did not recognize. I asked them to validate the debt and prove that this debt was mine. I received no response at that time. On XXXX XXXX, I received a letter from XXXX XXXX XXXX trying to collect this same alleged debt. I wrote to them as I did Phoenix previously. I received no response to that letter. Now Phoenix has contacted me again asking me to pay the same alleged bill but this time the current creditor being referenced is XXXX XXXX XXXX XXXX v XXXX XXXX XXXX cited originally.
I was affected by the XXXX XXXX crash and I have a lot of student debt the funny thing is when I signed up to go to school there I was told I would receive my XXXX That never happened, they told me I did not need one as I had tha ability to benefit. Needless to say I have a lot of private loan debt, the federal loans are being discharged but upon me leaving the college they had me sign paperwork for a private loan telling me it was a grant. It was not until later I found out I signed for a private loan at an extraordinary interest rate. The school when I left dispersed the private loan to a government subsidies loan leaving a large amount of debt that has caused financial hardship since. I have had to file numerous bankruptcys so that the collections would not eat my paycheck. As the payments were set by the bankruptcy court. I never had knowledge of what I did until it was to late.
Hi, I am filing this complaint because I am not able to reach certain department of the XXXX XXXX to solve a verification issue which cause my bank account to be on hold. 
I received a email from the Security & Fraud Risk department asking me to call back to solve a issue, with a reference Number XXXX XXXX. I called the number according to their instructions for several times, but its impossible for me to reach this department. I had to hold for more than 2 hours once. 
I need access to this bank account as soon as possible. And XXXX XXXX   should call me as soon as possible to solve this since they failed to provide a way of communication. My phone number is XXXX XXXX.
I had purchased Bitcoin various times from the merchant. In mid XXXX 2016, I initiated two purchases of ETHer from COiNBASE.com ( XXXX XXXX, CA corp ) via the Internet. They emailed me stating that the ETHer *would be deposited into my account on a certain date* ( emphasis added ). They did not provide the ETHer on the certain date, nor did they ever provide the ETHer. I also ordered some BTC from Coinbase, on the same date. 

I filed a timely complaint with the state of California consumer financial complaint department. Coinbase responded that they were just complying with fincen. However, they did not resolve the issue and simply let it go - likely because I was not a constituent, residing in CA. 

In retaliation, Coinbase closed my account. They stated : " Hello, Thank you for your interest in Coinbase. Our primary goal is to make digital currency safe and secure for our customers. Coinbase is a regulated Money Services Business under FinCEN ( FinCEN.gov ), and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. 

Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you log into your Coinbase account to send any remaining balance offsite to an external address. 

Should you have any questions or need assistance, please let us know and we 'll be happy to help. 


Respectfully, Coinbase Customer Support '' There was no " careful review '' and neither my account nor I " engaged in prohibited use in violation of [ their ] Terms of Service ''. Their statement that I can " send any remaining balance offsite '' is also inaccurate. They have some of my litecoin which they are refusing to release to me despite saying " send *any* ( emphasis added ) remaining balance offsite ''. Even their attached support article is false. 

I merely exercised my right to complain to a governmental agency about being XXXX out of over ( > ) XXXX ETHer coins and they retaliated against me for having done so. Ironically, I I also updated my address as allowed by the law which governs me and any transactions which I may make. That may have upset them but I am allowed to do so pursuant to : http : //nvsos.govXXXX
I request that Ocwen loan servicing provide the following information only and not any additional information that does not pertain to this complaint as they have done in the past. Due to the fraud and illegal acts that have occurred with this note and deed of trust, I am requesting from Ocwen Loan Servicing ( our servicer ) provide the following. 
First, Which document does your company have in its possession, is it the original note, original Deed of Trust or both that pertains to our property? NOTE : I understand that the original note must be maintained by the servicer and the original Deed of Trust must be maintained by the trustee which is XXXX. 
Second, we request a meeting with a representative from Ocwen Loan Servicing here in XXXX Nevada along with the Original note and the Original Deed of Trust. If Ocwen is not able to meet us here in XXXX Nevada, please provide a date, time and a location during the XX/XX/2017 where we can review these documents! Please notify us in writing when and where to attend. 
NOTE ; I will have an independent investigator present to review these documents. We will be looking to see if these documents are the originals or copies of the originals. The ink on the original documents will be different from a copy. If the original documents have been lost or stolen, Ocwen loan servicing, XXXX and XXXX XXXX will have no legal standings to there claims without these original documents. All this can and will be resolved if Ocwen allows us to review these documents immediately. Ocwen can dispute legal claims all you want and XXXX me off even more. This will result in more complaints filed against Ocwen loan servicing. Servicing companies, banks, trustees and investors are required to maintain the original documents such as the original note and the original deed of trust to prove legal ownership. If Ocwen loan servicing fails to comply to my requests, we will request the original note and the original deed of trust in court.
I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, XXXX, XXXX ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get my credit report.
Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to  the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XX/XX/XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XX/XX/XXXX and what actions s/he has taken in relation to this account. NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT
XXXX XXXX DOB : XX/XX/XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX Inquire that were not done by me That are fraudulent XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX, FL XXXX
In XX/XX/2018 I received a check from our insurance company, XXXX, in the amount of XXXX to put a new roof on our house. Because we have a reverse mortgage the check was made out to my husband and me and to XXXX XXXX, I had to send mortgage company the check to be signed by them and sent back to us for a roof. We never received the check back. They deposited it without my husband and I signing it. About the middle of XXXX I started calling the loss draft department once or twice a week and each time was given a different excuse. They even went so far as to tell me to have my insurance company stop payment on the check and reissue me another one. My insurance company said they could not do this because mortgage company had already deposited it. We still have not received the money back and have already had new roof and the company is still waiting to be paid.
I opened an account with XXXX  which today I found out is a PayPal company but I opened the account to send money internationally to buy used computer parts for my son who's a gamer whatever there called nothing illegal was done at all so I sent some parts back and received my money for the returns on my new XXXX account well I get an email stating my account its frozen for suspicious activity I gave them all information they asked for and now they say my account is terminated and funds XXXX will be held for 180 days while they investigate thats when I got upset they asked me for information I gave them everything they asked for them they say there holding my fund for 180 days I dont know where else to turn
Customer service advised extension would be provided when I was eligible only to deny it I fell behind on payments but have called and talked to multiple reps who told me when I'd qualify for the extension. I have missed payments and returned payments that I have replaced. I was told I'd qualify around XXXX in XXXX. Called XXXX and was told to wait till the end of XXXX only to have it denied now because of payment history. I'm obviously struggling and that's why I asked for the extension. The representative should have told me I wouldn't get one from the start instead of me making arrangements to get to the point of getting the extension to be turned back around.
While checking my credit score I found an open account for collections from Stellar Recovery which has never notified me or communicated anything ever to me about anything. If I had not checked my credit score I never would have even found out about this negative factor impacting me. I do not know what this is for or who it is from. This type of conduct must be illegal. I searched for information on the company and any type of financial communication with them requires and account number, which of course, I do n't have because I 've never even heard of Stellar Recovery until now. I submitted a complaint and communicated my concern about this collections account being opened against me with no communication to me at all, ever. Along with the complaint, I submitted my contact information. I have never heard back from them, it has been over a week.
Hi my name is XXXX XXXX I am contacting you because once again XX/XX/2018 XXXX credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.
My information was stolen and is freely available on the public internet due to the ineffective security measures put in place by Experian to protect my data. I am concerned that I will become a victim of identity theft.
To whom it may concern, I was hoping that you could help me with my current situation. 
Brief story is, back in XX/XX/XXXXI fell on some hard times, like many people back then I had filed for bankruptcy, divorced, and was ready and willing to loose my home. I Had it up for a short sale in XX/XX/XXXX, when XXXX XXXX XXXX XXXX ( the original mortgage holder ) went belly up. Since then the loan was sold to different lenders and now Ocwen owns the it. I have tried in the past for a re modification loan with no prevail. It has been over 10 years now that I have resided in this house and been maintaining it without any help from Ocwen. They do however send me a monthly statement now stating that I now owe over {$350000.00}. This can not be legal, and would appreciate it if you would help me with all of this. I can't sell the house nor can I just walk away ( like most had ) or even consider buying a house even with a credit score of over 800. The more I reach out to people the more I find out that I am not the only one. 
I would like for CFPB to investigate further into the original documentation from the original mortgage taken out with XXXX, XXXX XXXX XXXX ( XXXX ) It has been so long ago that I honestly don't remember but I may have taken out a home equity loan to do much needed repairs to the home. New roof, windows, siding and bath remodel. 
I have already filed a complaint through my local Senator XXXX XXXX, who forwarded everything to you folks who in turn just forwarded it to Ocwen and then just closed the case without any further investigation. I would like to receive the original documentation from XXXX who I'm sure you are aware of the circumstances involving their fraudulent charges brought against them back in XX/XX/XXXX. 
Thank you for your time, XXXX XXXX
I disputed multiple inquiries on my credit report on XX/XX/XXXX I disputed these inquiries : XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX Equifax Mortgage Services : :XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Equifax Mortgage Services : :XXXX XXXX Show DetailsXX/XX/XXXX, XX/XX/XXXXEquifax Mortgage Services : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX , XX/XX/XXXXXXXX XXXX Show DetailsXX/XX/XXXX,XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX  Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXXXXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX. Upon disputing these I stated that I did not give provision for the companies to run my credit. According to Equifax these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on XXXX, and XXXX and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.
I submitted an employment certification form ( ECF ) form to have qualifying payments counted from the years I've worked for XXXX College XXXX XXXX XXXX XXXX, a 501 ( c ) ( 3 ).

XXXX XXXX denied the ECF, stating that section 3, Item 5, the employment begin date was not filled out. It was clearly filled out.

They also said section 3, items 9-13 were not filled out. Item 9 was clearly filled out, Item 10 was clearly filled out and the instructions on item 10 said to skip to section 4, so the remaining items 11-13 were unecessary They also said that they were denying it because section 4 had been filled out by my employer. The instructions for section 4 clearly state in all caps " TO BE FILLED OUT BY EMPLOYER ''.

I submitted the form again with these areas highlighted and explained that their reasons were invalid.

They denied it again saying that the official from the employer had not listed her phone number. She had clearly listed it on the appropriate line in section 4.

Furthermore, they reduced the number of payments that had already qualified without any explanation at all. I had already certified 14 qualifying payments. They reduced that number to 12 with no explanation at all. The real number should be closer to 40.