WillisBack/dataset-financial-user-claim huggingface dataset:
I am in receipt of communications from a Law Firm Named Wetsch, Abbott, Osborn, XXXX and XXXX LLC. They are representing XXXX XXXX XXXX. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please help.
Green-tree Service representative XXXX would not resolve or aid in simply getting information to change insurance and escrow information. She repeatedly would put me on hold and not transfer to supervisor when requested. I called in to change our information but she would not supply me with the information to complete my request, after being left on hold for 30 minute and then disconnected I called again and was put back through to " XXXX '' when I requested a supervisor she hung up. Called a XXXX time with the same result. Called a XXXX time and asked to NOT be transferred to XXXX, the rep was able to give me the information requested. XXXX is our " point of contact and has been abusive and repeatedly break 's agreements about contacting us.
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
XX/XX/18 bank charged {$36.00} fee for a {$27.00} approved charge to come in that day. They charged the {$36.00} fee after I made my deposit. I called customer service and got a couple of different stories, then they transferred me to the bank and I got another story. As of around XXXX on XX/XX/18 there was no pending {$27.00} charge. On XX/XX/18 I pulled up my account and there was the approved pending {$27.00} charge. I went to the bank after XXXX on XX/XX/18 to cover the charge. The bank is using discriminatory practices to gain financially on consumers because if the approved charge for {$27.00} was actually on my account XX/XX/18 it would have shown pending online as it does today and my deposit would have covered it. Instead, it was never pending and they chose to assess a {$36.00} fee.Other banks have been fined and had to refund charges for these types of discriminatory practices in the past and have paid high penalties. BancorpSouth was fined over $ 10M earlier this year for other discriminatory practices and I guess they atrying to recoup the money using another discriminatory practice.
On X/X/2017 I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company XXXX removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.
I use www.coinbase.com currently and they have allowed me to add my bank account XXXX account and have verified all my personal info license etc. They allowed me to invest around 5-6k in their service. After gaining some through investments 5-6k turned into around 8k I Was able to withdraw around 4k of that. Now they are literally holding my account XXXX. I have reached out to them via XXXX, XXXX, their official support tickets, and their phone numbers. They have never even began to fix a resolution. When they reply if they do it is meaningless and then they go dark again. All in all they are literally holding my money XXXX and have locked my account disallowing me to readd financial credentials or to do anything with my money whether it be sell or send. I just want my money back that 's all it is so stressful as that is a lot of money for me. This has been going on for about a month and the email associated with coinbase is XXXX. Please help me as I really need this money back.
I have determined that Southwest Credit or SWC, of XXXX, XXXX, has left repeated automatic recordings using two different phone numbers. XXXX and XXXX. The recordings ask for XXXX ( not my name ). I have dealt with scam debt collection agencies through CFPB before. When contacted by CFPB they claim they made a mistake and the employee responsible has been re-assigned and is being retrained. I do not owe any money to anyone or any agency anywhere. If I did they would send me a letter. I would appreciate CFPB contacting Southwest Credit in XXXX ( I live in XXXX ) and inform them that if they can not prove I owe a debt to cease and desist calling me and remove my phone number from their robo list. I am on several " Do Not Call '' lists but they do no good. My research shows SWC has over XXXX complaints against them. Is that worth shutting them down?
Navy Federal Credit Union closed my share account, credit card, and CDs without any notice. There were no late payments. My credit score is more than XXXX ; and there is no explanation of where the cash is. This occurred to the bed of my knowledge overnight. Again - without any notification. This will reflect negatively on my credit score as this credit card is XXXX of my longest standing cards.
Original creditor XXXX paid- account in good standings. 
Portfolio Recovery reporting same account with wrong Original Creditor listed. Reporting Late as 0f XXXX/XXXX/15 on XXXX and XXXX credit reports. Do not owe debt. No terms/agreements. Also, Portfolio Recovery modified account number from XXXX account and reporting it on XXXX account. Original creditor XXXX- aged account XXXX - Paid
I had always paid my car on time and this was my 2nd car financed through Southeast Toyota Finance company. I was laid off from a job and called the company and asked to skip a payment. They told me ( on a recorded call ) that I could pay a little over {$200.00} to skip 2 payments but I had to fax a letter in telling them why. Later, I discovered they marked my credit report 60 days late after taking my money. I called again ( call was recorded by them ) and I was told I used the wrong verbiage in my letter therefore despite paying for skipping 2 payments so it would n't affect my credit, they not only took my money but reported to my credit bureau that I was 60 days late. Since that violates the fair practice law and was deceptive in nature, I told them since they already damaged my credit I would voluntarily surrender the car because I had paid them for 2 years, on 2 cars, on time and the first time I had financial problems they took advantage of me by having me pay to skip payments to protect my credit only to state later that the verbiage on my letter was not exactly what they wanted so I was reported as 60 days late. Then, they sold this 2014 XXXX in perfect condition, with a little more than XXXX miles on it for only {$15000.00} and are now coming after me relentlessly for {$19000.00} when the car was not even worth {$34000.00}. They are doing this to a lot of customers. They ca n't take money to skip payments, then turn around and say wrong verbiage made the agreement null and void and report people late on their credit reports after taking their money. What they did to me violates the CFPB deceptive practices regulation.
Freedom Mortgage has not given the title company my loan payoff amount so I can close on the home and payoff my home, which is in foreclosure. I am a XXXX and currently have a VA loan through Freedom Mortgage. XXXX XXXX has been calling/faxing Freedom Mortgage for an updated payoff amount since XXXX XXXX. It is not XXXX XXXX and the loan documents for the buyer are going to expire and each time I call Freedom Mortgage tells me they did n't receive the demand letter/they can not give us the demand letter or excuse after excuse. I am in danger of losing all my equity in my home and having a foreclosed home because Freedom Mortgage refuses to give XXXX XXXX the payoff amount. Freedom Mortgage has denied me a supervisor and they will not provide any other way to obtain this payoff.
My mortgage was sold to XXXX. XXXX failed to pay the real estate taxes. Every transaction in the escrow account is incorrect. When they did pay the real estate taxes late, they paid them XXXX, putting the escrow account in a deficit. I notified them in XXXX I would take responsibility for the taxes and insurance. In XXXX I paid the real estate taxes and in XXXX I paid the home owners insurance. My escrow statement reflects that XXXX paid the taxes in XXXX, but XXXX County only received my payment. I provided XXXX a binder on the home owner 's insurance with proof of payment and they went ahead and made a payment, which has been returned to them. 

By diverting the funds, they owe me money, but they are reporting me delinquent to the credit reporting agencies. I have submitted copies of cancelled checks and the agencies tell me that is not enough documentation. They say they have to report what XXXX tells them. XXXX has mishandled my money which has dropped my FICO score from XXXX to XXXX. I have no other blemishes on my credit report.
Today I leaned that my QVC Credit Card had been charged a {$25.00} Fee for not paying the entire bill of {$40.00} which I believe I did using XXXX checking accounts XXXX of which {$35.00} was paid.The XXXX account was never charged the additional {$5.00} .I believe this problem may have resulted in Synchrony Over Hauling it 's website which I took the Liberty of visting that only shows my XXXX checking not XXXX XXXX XXXX that made the final {$5.00} payment.Also Synchrony caused my Account XXXX go over it 's Credit Limit by QVC Flex Pay which I would also like XXXX dispute all of the interest charges that was applied XXXX my account.Because all of these shop @ home programs claim that no interest will be charged XXXX your account using Flex Pay
I was in school full time from XXXX XXXX until I graduated from XXXX XXXX in XXXX of XXXX. During this time my loans were in deferment. Upon graduation I was informed that I have 6 months to not have to make payments. I filed for IBR payments in XXXX XXXX and have made all required payments on time, without fail, since then. Upon looking at my credit report this year, somehow my account with ACS is delinquent from XXXX XXXX XXXX, but then goes current again starting in XXXX XXXX and has been since. Somehow, in less than a month after graduation, I am 60 days late on a student loan within my 6 month grace period. 

I 've contacted ACS several times about this. I 've let them know that I have several other student loans and NONE of them have reported any late payments, ever. They have been completely unhelpful with this situation and are completely unwilling to help me out with this error on their behalf.
I received a notification in the mail from Jefferson Capital Systems for a debt they bought for a XXXX XXXX bill. They also placed this debt on my credit report. I disputed this debt immediately because I have never had a XXXX XXXX account or know what this would be for. I requested proof of debt ( which they could not provide ) and requested this be removed from my credit report because this is not my debt. This occurred XX/XX/XXXX. I, also, reported this dispute to the credit reporting agencies. They just placed a line note on my reports, but it would n't be removed until XX/XX/XXXX.
As of XX/XX/XXXX the debt is still on my credit report. This is impacting my finances for a debt that is n't even mine.
Trans Union continues to list a, " Bankruptcy '', on my credit report which in fact is not correct. Please view the screen shot of another agency and they report, " Never Have filed Bankruptcy ''. I have asked them to correct the listing Via their web portal, but appears that they are issuing auto robotic responses that state it has been confirmed. How can it be confirmed if it never happened? 

Also, I think the time of the listing is past the 7 year allotted time. I am trying to qualify for a home loan and this is seriously damaging my ability to be able to qualify and it is incorrect to start with. I greatly appreciate your efforts. 

This is the screen snip from the XXXX reporting agency that states that I have not Bankruptcies, and shows the only negative reporting item is a Lien that I am in the processing of settling, that is mine. 
Thank you again for your help. 

I will uploaded as a document to show this.
XXXX XXXX for XXXX XXXX is alleging a line of credit for XXXX dollars. The contract does not bear my signature and contains incorrect banking iformation. It is an unauthorised loan that was created to scam me after paying a payday loan
FIRST THIS IS NOT A REQUEST FOR ANY FREEZES OR SECURITY ALERTS TO BE PUT ON MY FILE. 

TRANSUNION CREDIT IS IN VIOLATION OF THE FCRA. SPECIFICALLY SECTION 609. I RECEIVED A NEW CREDIT REPORT TODAY AND THERE ARE XXXX ITEMS STILL REPORTING THAT THEY CAN NOT VERIFY BY THE LETTER OF THE LAW. 

1. XXXX. THIS ACCOUNT SAYS IT HAS BEEN CHARGED OFF. I CONTACTED XXXX MYSELF AND THEY COULD NOT LOCATE AN ACCOUNT FOR ME YET TRANSUNION REPORTS IT AS A NEGATIVE ACCOUNT. I HAVE ASKED THEM TO SUPPLY ME WITH THE SIGNED APPLICATION FROM XXXX AND THEY REFUSE, ALL THEY DO IS SAY IT HAS BEEN UPDATED. SECTION 609 OF THE FCRA SAYS THAT THEY HAVE TO HAVE ON FILE THE ORIGINAL SOURCE DOCUMENT TO PROVE VALIDITY OF THE ACCOUNT AND THEY DO NOT HAVE IT AND YET THEY KEEP REPORTING IT TO SIMPLY HURT ME FINANCIALLY. THEY ARE BREAKING THE LAW. 

2. XXXX : CAN NOT VERIFY THIS ACCOUNT, NO CONTRACT WITH MY SIGNATURE ON IT AND YET TRANSUNION KEEPS IT LISTED AS A NEGATIVE ACCOUNT. THEY ARE ONCE AGAIN BREAKING THE LAW AS THIS ACCOUNT CAN NOT BE VERIFIED PER SECTION 609 WITH PROPER SIGNED DOCUMENTATION. BECAUSE I NEVER HAD AN ACCOUNT WITH XXXX. THIS ACCOUNT IS NOT MINE.
I took out a personal loan from XXXX XXXX XXXX and paid it off in full on XX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan inXX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.
After sending information to verify myself with my disputes, XXXX, XXXX, & Transunion have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.
I have told XXXX XXXX before that what ever information they have that causes them to try amd collect payments a few months early is wrong yet they refuse to fix the issue. I will not make payments a few months early, I owe for XXXX of 2018 and if they want me to pay, they will remove how ever many payments and late fees that did not start in XXXX of 2018 then send me a bill in the mail. Also, I re-entered school part-time this week so according to the law, my loan should be in deferment. The school I am taking classes at is XXXX XXXX College.
I took out a {$4000.00} loan from Mariner Finance on XX/XX/2017. Upon paying my first monthly payment of {$170.00}. Only {$50.00} was credited to my balance. I called and asked why. I spoke to XXXX at the office who is the Asst, Manager, he told me that I have a Per Diem of {$4.00} per day. Then Later said my Per Diem was {$4.00} per. I asked him why was n't I informed of this and he stated that that 's how the company works. In total i was told that my loan of {$4000.00} was going to technically be paid dollar for dollar making my total owed to Mariner finance {$8400.00}. 
I was not informed of any of this, nor was i informed that I would be paying over {$8000.00} in the long run. 

Lastly, Mariner Finance put a life insurance policy on me and stated that they loaned me {$4500.00}. But the loan was on {$4000.00}.
They have been taking double payments out of my account and even if a payment is not due they are drafting one after telling me if it is not due we want draft and the statements say the same thing and now they have promised to repay an over payment and it has been a month and no repayment nor a note of explanation.
On XXXX XXXX, 2015 I wired a mortgage payoff to Ocwen Loan Servicing as part of disbursing a refinance loan I closed. I own a title company and disbursing loans is a major part of my job. The payoff letter states that " ... upon our receipt of the entire payoff amount, Ocwen will execute a release and discharge of the Deed of Trust/Mortgage .... ''. The payoff was wired to Ocwen on XXXX XXXX, 2015, and as of today, XXXX XXXX, 2015 the mortgage remains open of record. I called Ocwen to try to resolve this issue and they told me that they will not speak to me about this matter, only the owner of the property will be spoken to. I am not in the habit of bothering clients to chase down their cancelled mortgage documents and I believe Ocwen is acting unreasonably in this matter. As part of my normal course of work I had to issue a title policy to the new lender at the time of the refinance, giving them XXXX lien position. I did not hesitate to issue the policy because I knew that I had paid the mortgage in full, recorded the new mortgage and the other tasks necessary to fund a loan. I now find myself not knowing what to do since Ocwen is refusing to help me. I am the person that ordered the payoff letter, so I must be an authorized party to speak with them. It is imperative that Ocwen cancel this mortgage of record.
I have tried to Validation 22 accounts that are on my credit report from American Collection Services. I have sent 2 Certified letters of Validation Request and 5 fax request of Validation letter. I did dispute all of the accounts with the credit reporting agencies. XXXX, XXXX XXXX and XXXX. They removed the all 22 accounts off XXXX and XXXX XXXX but didn't removed of XXXX. They stated to XXXX that the accounts do belong to me. But I can't get any information regarding any of the 22 accounts from the collection company.
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.
My CitiBusiness credit card had a transaction of {$100.00} charged to it on XXXX/XXXX/2015 from XXXX. I did not authorize this charge, nor did I knowingly or willingly purchase the goods in question for the charge made to my account on XXXX/XXXX/2015. My employment at the business for which the card was used ended on XXXX/XXXX/2015. 

The last transactions that I authorized and purchased were paid in full in XXXX 2015, with no further transactions being made or authorized by myself from that point on. 

I was unaware of this charge made on XXXX/XXXX/2015 until I received a physical letter in the mail from CitiBank on XXXX/XXXX/2015. I immediately contacted CitiBank on XXXX/XXXX/2015 as soon as I was aware of the charge and the ongoing situation with my account. 

After my first conversation with CitiBank on XXXX/XXXX/2015, it was suggested by CitiBank that I contact XXXX about the charge. I contacted XXXX immediately and their response was that the charge could not be refunded unless the request came within 30 days of the purchase. 

I did not personally make or approve the charge made to my account on XXXX/XXXX/2015, nor was I aware of it until XXXX/XXXX/2015, and I have not and will never receive any product or service from XXXX for this charge. 

CitiBank responded to my billing dispute by stating that my dispute was not made within 60 days so they declined my dispute. They did not offer any acknowledgement of how I was supposed to submit a dispute within 60 days for a transaction that I did not make or authorize, or was even aware of until XXXX/XXXX/2015. 

CitiBank has closed my account and sent the balance due to a collection agency, XXXX XXXX XXXX XXXX XXXX.
XXXX sold our mortgage to Select Servicing Portfolio and our first payment was to be sent to SPS by XXXX. Our payments were current when we were with XXXX but when the new company took over they stated we were a month behind. We sent the full payment to catch up the mortgage and they are still saying we are behind on our mortgage. We send weekly payments because my husband gets paid weekly. Before the sale our mortgage our payments were to be {$560.00} with XXXX and due XXXX but SPS is stating our payments are to be {$690.00}. They had our XXXX taxes as XXXX which was correct, until we requested a reanalysis, and SPS is claiming our XXXX taxes as {$1100.00} when they are only {$420.00}. New tax bills were submitted to them, at which time we asked for a Escrow Re-Analysis at which time they changed our XXXX tax amount to our winter tax amount but they are still claiming our winter taxes as {$1100.00}, which is over 4 times the amount they actually are. I have called several times and they refuse to get the tax information corrected. Please help us
XXXX17 - Using the MoneyGram website I made a transfer to my sister in PR as she needs the $ right away due to the emergency in the island. I made the transaction for {$350.00}. The company took the money from my checking account in a few minutes and made available for pick up. However, when my sister went to get the money the MoneyGram at XXXX in XXXX PR said that they have a restriction and that the amount can not be for more than {$150.00}. That I have to split the transaction. I called MoneyGram they can not split the money right away. Then, they recommended to go to XXXX in XXXX to pick it up, but I called XXXX and they said the same thing. I called back MoneyGram, and apparently XXXX will be able to give the $ to my sister.  As soon as she can call me I will communicate this to her. My complaint is that : 1 ) MoneyGram website did not mention the restriction before taking the money 2 ) If I request a refund I have to wait 10 days to get it back in my account 3 ) I paid {$36.00} for immediate delivery of funds ( which they do not want to refund ) 4 ) this is a real emergency there is limited communication and my sister needs the money for her family NOW.
Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a XXXX bond and filed a copy of the bond with the Office of the Secretary of State. 

Furthermore, Sec. XXXX. UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( XXXX ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.