WillisBack/dataset-financial-user-claim huggingface dataset:
We have paid our mortgage in full and on time since its inception in XX/XX/XXXX. We have no escrow account and have always paid our insurance and property taxes on time and in full. In the summer of XX/XX/XXXX OCWEN charged us for forced place insurance even though we had insurance. They never sent us notification of this or the reason why it was necessary. We had insurance thru XXXX XXXX at the time. I didn't realize they had done this until I got a collection call from them stating that we were 90 days past due on our loan. During that conversation I was also told that forced place insurance had been applied in early XX/XX/XXXX as well. I pulled our credit report and found that OCWEN had indeed reported our loan 90 days past due. Over a six ( 6 )  week period I spoke with numerous OCWEN customer service agents, XXXX xXXXX, XXXX XXXX x XXXX, XXXX XXXX, XXXX XXXX, XXXX xXXXX, and was told that XXXX  had not provided them with a copy of the policy. XXXX  provided proof that insurance was in place and never lapsed, and provided me with a copy of the fax transmittance. OCWEN promised that once they received the documentation from XXXX they would ( 1 ) removed the forced place insurance, ( 2 ) credit the charges associated with the forced place insurance, ( 3 ) issue a letter to us showing that we were not at fault and had never been late on our mortgage, and ( 4 ) correct our credit report. As of this date, OCWEN has ONLY removed the forced place insurance for XX/XX/XXXX and credited the charges associated with XX/XX/XXXX. I have made over 20 calls and spent over 6 hours with OCWEN customer service trying to correct this -- the last of which was with XXXX x XXXX on XX/XX/XXXX. Due to OCWEN 's incompetence and careless regard for our credit standing, our three ( 3 ) credit reports have shown us 90 days past due since XX/XX/XXXX. Nothing seems to get them to correct their error and nobody seems interested in getting this fixed. 

My first attempt at correcting this error ended with OCWEN stating that they did not have proof of insurance for the dates they show as lapsed. I found this strange as when I contacted them on XX/XX/XXXX at XXXX CST their XXXX XXXX at extension XXXX told me that he could see them in the system. 

I am including them with this complaint. 

Any attempt you could provide would be greatly appreciated.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Consumer financial Protection Bureau XXXX XXXX XXXX XXXX IA XXXX Re : Violation of Fair Debt Collections Practices Act. 


I XXXX XXXX over the past six months have tried to validate/verify the supposed debt with XXXX XXXX XXXX XXXX XXXX  that the collection agency in XXXX XXXX XXXX Florida has placed on my credit buraus file. 
Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this process I have : 1. Sent several letters to XXXX XXXX XXXX XXXX XXXX over the past 6 months ( Please see enclosed copies of envelopes and letters ). 
2. The first letter I sent was non-certified dated XX/XX/2018. This letter was returned to sender with parts of it marked out. 
3. The second letter was sent certified dated XX/XX/2018. This letter was returned marked not deliverable unable to forward. 
4. Then I sent letters disputing this collection account with the three credit buraus XXXX, XXXX and XXXX ( enclosed are the letters with paperwork to the credit buraus labeled 1-6 ) Every time I dispute this account { that I can not verify or validate with the Original creditor } some of the credit buraus come back and say this account has been VERIFIED this account belongs to me ( please see enclosed paperwork from XXXX and XXXX labeled 1a and 2a ). 

I have sent letters to the three credit bureaus asking them how they can verify and or validate this account when I can not do that. As of this date XX/XX/2018 I have received no response to those letters ( letters labeled 3a and 3b ) I  have also sent a letter to the collection agency : Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( letter labeled 4d ) as of this date I have received no response to the letter. 

Since am not able myself to validate or even verify this debt with the original creditor and the collection agency : Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are not willing to correspond or communicate with me on this det that I supposedly owe. Nor are they willing to provide any proof I have asked for in my letter to them then this debt is unverifiable. However, the collection agency will communicate with the credit bureaus and tell them the debt is verifiable and that makes the credit bureaus keep a debt I can not even verify nor able to validate my self with the credit bureaus on my credit history. 
With this the collection agency is violating the FDCPA by placing a non-verifiable det on my credit files with the credit bureaus XXXX XXXX  and XXXX. 

The resolution to this : 1. I need the non-verifiable non-validated det removed from my credit files with the three credit bureaus XXXX, XXXX and XXXX. 
2. If there are any state or Federal disciplinary actions that can be taken ageist this collection agency for placing a non-verifiable non-validated det on my credit history. 

XXXX XXXX XX/XX/2018
My bank Caliber Home Loans was reviewing a short sale last month and as of this month they have changed their policy and are no longer willing to review a short sale. I have an offer for the full amount they were asking for at the time when they were reviewing the short sale but now they will not review it.
Greetings I have initiated a dispute with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove. 

Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 1 )  XXXX  - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX/XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
I tried Navient 's customer service hotline, but they do not work on Saturdays. My prior bills showed some unpaid fees that are been carried over to the next billing cycle, mostly late fees incurred during the processing of prior IBRs. When I paid in XX/XX/XXXX, I included the total amount due on the billing statement, including the carried over unpaid fees. The amount paid reflected the EXACT total amount due in the bill. To my unpleasant surprise, the bill for XXXX payment was for the exact same amount of the bill for XXXX statement, showing the " unpaid fees '' like they were never paid. How did they apply the payment? I do not know. But I remember something similar happened to my elderly dad with a mortgage loan. When he went to inquire about the payoff of his mortgage, he was told that all of his advanced payments were unilaterally applied to interest. Someone needs to look at these unfair practices. The intent of my payment was pretty obvious. It was made for the TOTAL AMOUNT DUE indicated in the bill. I am hoping to get someone in CFPB to look at this because there may be other people affected. I am on an IBR. By them not applying my payments accurately to the total amount due, they are effectively over-billing for an amount that is almost double the monthly payment as per the approved IBR. Please help.
I was handling my student loan by deferring them but I just received a letter stating my private loan was in default and XXXX XXXX has just taken over it but the loan that they have is not XXXX that I gotten out for myself. Now their threatening to take my earnings but I have n't finished school yet and wo n't til next year. I paid a XXXX dollars but I do n't believe it is my loan.
Equifax sends emails that " disputes are ready to view '' and when logging into their website to access using given dispute #, nothing shows. It has been this way for awhile. 

Secondly, a dispute on a judgment that was wrongly placed on me, and a violation of the XXXX XXXX, which was deleted after investigation by both XXXX and XXXX, was NOT removed by Equifax, and no evidence of the validity of judgment was provided. I am uncertain if they ACTUALLY fulfilled the investigation process with integrity.
the law office of XXXX XXXX XXXX filed motions in court in a small claims case, where another attorney was involved in suing me. XXXX XXXX XXXX has a different bond number that that of the attorney suing me.
This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XXXX, Equifax and XXXX. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, XXXX, Equifax and XXXX   has  failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.
I have sent multiple certified letters to the collection agency in attempts to provide validation as to who this collection is for, but they continue to provide me with a letter stating that the debt is valid, but nothing bearing my signature.
To date and at the time of this submission, I have lodged XXXX Consumer Financial Protection Bureau ( CFPB ) Complaints that are automatically forwarded to the Department of Justice and the California State Attorney General ( AG ) related to Bank of America and my dealings with this company throughout loss mitigation workout assistance and processes. 
Bank of America has never once provided me with a response actually addressing many of my concerns deciding to continue on as they have been by misstating my concerns, supplying non-responsive replies, or cease communication altogether. 
The latest instance of this show of lack of good faith was XXXX XXXX, 2016 through the written response provided by their current legal advisors. It is unclear if Bank of America has withheld material facts from their retained attorneys who then proceeded to respond based on the information provided to them by Bank of America, or if the legal response is based on the account records including, but not limited to, internal Bank of America documents and documentation.
I have been trying to contact XXXX ( XXXX XXXX XXXX ) regarding a payday loan I took out with them in XXXX of 2017 for months. Every time I call ( which is tough since I work the same time they operate ), I get a busy signal or the line hangs up while I'm on hold. I have also lost the ability to see my loan status on the site as well. I decided to do some research and found that some other people where having the same issue. I checked with the XXXX XXXX XXXX XXXX XXXX and discovered that payday loans are prohibited in state and that XXXX XXXX is not even licensed in my state.
Merchant FInancial Guardian account was added on my credit report in XX/XX/XXXX. I contacted them in writing in XX/XX/XXXX asking them to send me copies of documentation showing that this is my account. I responded to the letter they sent me on XX/XX/XXXX stating that I owed XXXX XXXX.

They never responded after initial letter. I continued to contact them over the phone requesting documentation to assist me with this matter. The stated would receive something in writing within 90 days. 90 days passed still nothing. In XX/XX/XXXX I then reached out to them again with a certified letter. I have attached the letter sent to Merchant financial on XX/XX/XXXX. I have still not received any response or resolution for this matter. 

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Experian have failed to provide validation of public records listed in my file under my name and social security number. I have reached out to the credit reporting agency and they have failed to provide requested information. According to  FCRA 623 ( a ) ( 5 ) if the credit  bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of  XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the  U.S. Ba nkruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankru ptcy Court and re ceived a letter in return stating The Clerks office does not provide information to credit reporting agencies. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.
Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. Thank you.
I received bad information about my loans over the years from XXXX XXXX, which is now called Navient. My private loan amounts have continued to sky rocket even though I 've made payments. The interest is outrageous and continues to go up. I feel like i 'll never have them paid off. They have charged some unconstitutional fees that I do n't think should be added when you are trying to pay off your students. Navient/XXXX has never really been a company that is workable. I 've always seemed to go circles with their customer service and getting different answers on my loans. I do n't feel like there is any relief in sight. I have trouble with how the payments are handled back since I graduated in XXXX from XXXX. XXXX closed their doors officially in XXXX of XXXX, and they have given me the run around on why their doors were actually closed.
On  X/XX/2017    I received an email from Chase Bank alerting me to a charge made on a credit card that I had not made any charges to in probably a year or more. Also, the credit card had not expired and Chase made a duplicate of the card and mailed it to me without asking if I wanted a newer version of their card and extra business services attached to the new card. I never received the new card and charges are being made to that card and  Chase  maintains that the interest rate is why my balance is over {$2300.00} on a card that has not been used in over a year. The credit card max balance is {$2500.00} mind you. So in all of that time that the card had not been used and {$75.00} per month was being paid per direct withdrawal, I had not even paid them an amount to equal {$200.00}. In addittion on the credit card website providing my balance statement and charges, it clearly states that my payments are {$68.00} but if you check how much I have been charged, the amounts are usually in the $  XXXX  range. I feel so cheated. Please investigate  Chase  's business practices as it is likely their predatory style is the norm for millions of other  Chase  credit card holders. Thank you in advance.  XXXX   XXXX
Transunion is reporting a collection account from XXXX XXXX XXXX and XXXX XXXX XXXX on my credit file that do not belong to me. Transunion deleted XXXX XXXX XXXX from my credit file on XX/XX/2018 ( please see attachment ), and therefore this account should not have been placed back onto my credit file.Transunion refuse to conduct a reasonable investigation into this erroneous reporting from XXXX XXXX XXXX and XXXX XXXX XXXX. As required under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A, Transunion failed to provide me physical verification of an original signed consumer contract with my Signature on it that 100 % positively verify these accounts belong to me. Therefore I believe I'm a victim of mistaken Identity.

Transunion is reporting an account from XXXX XXXX   that do not belong to me. Transunion refuse to conduct a reasonable investigation into the reporting from XXXX XXXX.
Follow up to previous issue. 
Today I tried to make 5 payments + late charges by phone. This is before the XX/XX/XXXX deadline that was outlined in the servicer response to me and the CFPB drafted by XXXX XXXX. Despite 3 attempts to make this payment by phone, no agent would accept it. Further, each agent told me they could not see the letter I am referencing. ( This letter is the response attached to my previous complaint ). 
When I requested a supervisor, I was refused. I requested a call back, which the agent indicated they would send an email to their supervisor but could n't guarantee a call back. I asked if the agent could email XXXX XXXX - the respondent on my previous complaint - and was refused this as well. 
I am immensely frustrated at this point - the servicer is not following their own guideance and making it extremely difficult to simply make a payment. I have initiated a payment from my financial institution in the amount of {$5500.00} to cover the full arrears plus the next payment due.
The accounts that are in question are ( XXXX XXXX XXXX ) XXXX XXXX ( XXXX ), these accouts were closed and were charged off as XXXX/XXXX/2009 and the staute of reporting these negitive accounts has expired but they remain on my report. 
I have asked that these accounts be removed.
We switched car insurance companies years ago. Wells Fargo asked us to provide proof of insurance. 
We provided the prof of insurance for the new company. 
We received a confirmation email that reads : you will be contacted only in the event that we are unable to verify the information you have provided to us. 
We received no other contact from Wells Fargo in regards to insurance but we have just discovered that Wells Fargo as charged us for insurance since XX/XX/2013 and hid it under the principal payment line on their e-statement. 
When we made a complaint to them, they asked us to provide proof of insurance again. 
We no longer have any proof from 2013 although we have the email confirmation that they received our proof of insurance in XX/XX/2013. ( we provided this to them ) Wells Fargo has taken no other action to research their error.
Around XX/XX/2018 an affidavit of denial and contract request was sent certified USPS to  Revsolve Inc obligating me to a debt they say I owe. I since then received a phone from XXXX XXXX on XX/XX/2018 at XXXX regarding this debt. XXXX XXXX has failed to provide proper validation in accordance with the Fair Debt Collection Practice Act while attempting to collect on a debt when without properly verifying.
Used XXXX Services XXXX, live XXXX. I have XXXX XXXX insurance. Used XXXX for Emergency. XXXX XXXX mailed billing information to an old address not used. I provided at time of service my current address. Collection agency said they could not collect from XXXX residence as they are not licensed XXXX. Paid the bill, and have repeatedly asked for the the entire file showing mailing dates with responses so I can recoup my {$460.00} from XXXX for the service. No Response from King Credit, XXXX. Frustrated with their lack of concern.
I took out a credit card over seven years ago just before the financial meltdown when times were somewhat good and rents were still really low. Being that I had never had a credit card before and it had a low limit I thought I was doing okay. They kept raising the limit and the interest which raised the note each month I had to pay before I realized it and they knew on my account notes that I was on a fixed income. so I tried to do what I could. It finally got to be too much and I could n't pay on it any longer. They started with harassing calls, threats with a collection agency until finally I got the police involved. Now it is past the seven years that the FCRA says they can legally keep it on my credit, yet Capital One keeps it on there like a dog with a bone because they do n't want me to ever have a chance to start over. They want me to stay in the ditch forever. The whole point of the seven year rule was that you get to start over at some point. Not let it keep hanging like a noose around your neck forever. They also have an account of mine when I used to have a checking account which they activated some kind of auto debit which I did n't even know about and it overdrew my checking account by XXXX bucks. They did that thinking with my medical XXXX check going in automatically they would make money off of me. However, I was a little too quick for them. And so was social security. They were able to aid me in getting away from Capital One 's predatory tactics once and for all. They nor I however dreamed Capital One would chase me until my grave.