WillisBack/dataset-financial-user-claim huggingface dataset:
Our house is in forclosure but it is on hold. We have been trying to work with our mortgage company since XX/XX/XXXX trying to get a loan modification. Our paper work has been lost, missed placed over looked, we have been told the wrong information and cant talk or do n't get calls back from anyone. Just since XX/XX/XXXX we have had XXXX modification turn downs because paper work was missed placed or over looked and we were told to disregard any letters we get because it was there fault and it will be resummited to under writing. This was wrong and a lie. All these delays have cost us time and money and possiably cost us our house.
I was being charged {$2000.00} a year for auto insurance with XXXX XXXX which is outrageous. They raised my premium due to an accident that was clearly not my fault. 
So, I found a policy with identical coverage for {$1100.00} a year and the new insurance company started on XX/XX/XXXX. My insurance with XXXX was paid to XX/XX/XXXX. 
I DID NOT authorize XXXX to continue my coverage and it should have been cancelled for non-payment and instead, they chose to continue my insurance WITHOUT my authorization as I just found out over this last weekend by receiving a notice from a COLLECTION Company! This is WRONG WRONG WRONG. 
All 3 of my credit scores are VERY HIGH and I have worked very hard for that. This is injuring my credit history and XXXX XXXX ( Who is the Insurance Broker ) need to correct this and have it removed from my credit history.
On XX/XX/XXXX I reviewed my Equifax credit report and noticed they are the only credit bureau reporting this inaccurate account. 
There is a repossessed vehicle on my account which was completed in XX/XX/XXXX. Since then somehow Equifax is reporting that this account is on time from XX/XX/XXXX and that there are 3 late payment in XX/XX/XXXX as well as on time payments for XX/XX/XXXX. 
I am entitled to all accounts being verified with appropriate information. This is having an extremely negative affect on my credit health as well as my reputation. 
The company that is reporting seems to change the months that are late. A previous report showed a different set of months. Almost looks like the account showing under XXXX XXXX XXXX is either NOT verified or the company is providing updates that are NOT related to an account that they claim is mine. I hope they are not reporting the same car on MY account but are actually providing the information for another car owner. That is a definite violation of my rights for fair credit reporting. 
I would also love to see proof of the balance which shows as {$13000.00}. If that amount is inaccurate as well as the payment history I request to Equifax that this account be deleted from my credit report because of these violations to my fair credit reporting rights.
I dont have any idea why these people are constantly call my phone and they were calling my job at one point. They call from different numbers. I block them and they call from another number they just switch up the last two numbers!!!!
I had a credit card first from XXXX who sold it to XXXX XXXX. I disputed the charges and told them I did n't owe that much. The next thing I knew they went out of business and XXXX took it over. I disputed it to XXXX, then midland funding took it over I disputed it to them. I tried everything to get them to understand but it did n't matter how many times I talked to them they continually ignored what I tried to tell them. I asked for an account of all the purchases that were made from them all so I could see why they were charging me so much but was refused by all. midland funding promised to send it but instead filed a suit against me in court. This was after they promised to send me copies but never did. I sent certified and registered letters to them and was told they had 30 days to respond but, they never did. In XX/XX/XXXX I received papers from the court. I was told I needed to file an answer. I filed it and was told it would go to arbitration. They said I would here from the lawyer chosen within a couple weeks and that I would have a date for arbitration by XXXX XXXX. I did not hear from him until XXXX XXXX and he gave me 2 days to send him the money. ( {$500.00} ) During that wait time I received a couple more letters from midlands lawyer that I did not understand but had no more money for another lawyer and thought I would see them in arbitration. I then received notice that I had lost and there would be no arbitration shortly after I send the money. When I sent the money I told him the day he picked was fine and that I just needed a time so I could let my work no. I received a letter ( copy ) saying that I stated the date was not good for me which, was a lie. That was after not hearing from him in the time I was told I would. I believe he had already made up his mind before he sent me the letter to send him money. I never dreamed I would be denied arbitration. The lawyer that drew up the answer asked again for a list of purchases and told me if they did n't produce them then they could n't win. They did an end run on me to keep from producing them. I have been literally sick from all of this it is like talking to a wall with these guys. I t seems as all they see is dollar signs.
Letter requiring your urgent wisdom and assistance because of the Harassing and Negligent acts ignoring all legal documents of resolve by the Bureau of Consumer Protection by : Di Tech Financial LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone XXXX XXXX Fax XXXX XXXX Account # XXXX There was a complaint registered by myself on XXXX XXXX, 2015 about what was then Green Tree Servicing, LLC - BCP XXXX. It stated that Green Tree reneged on a written mortgage agreement of payment. The result was that Green Tree DID NOT solve any of the issues but sold my account to DiTech Financial, LLC dispite the written resolution in the concluding documents of the complaint. I have not missed one payment, continued to pay DiTech, but they have continuously harassed me from the time they received my account with at least 100 calls per month and with each payment that I make I have still been penalized with so many late fees that it adds up to monthly payments. This is occurring even thought I have made over the required payment each month consistently since being pushed into this company. To make matters worst they have just sent me a threatening default notice without applying any of the over payment monies to the account. 
1. They have refused to follow the resolution of the case documented. 
2. They are still demanding another months payment or else. 
3. They are ignoring the over payment in my account 4. Keep charging me late payment on payments received as promised ( end of month ). 
5. Collecting these late charges until they become as big as monthly payments. 
6. Using the charges to push me into negative status and harassing default notice. 
I have followed all documents to the letter and number and Di Tech Financial, LLC as well as Green Tree Servicing, LLC before them have continuously ignored all the legal documents and aggressively done what they wanted, as they are now trying to force me to foreclose on my house. 
I seek your wisdom on this immediate matter as they, Di Tech Financial, LLC, is giving me 30 days in their latest harassing default letter to respond with a payment that is in error ( especially since on the day that their letter was created I MADE A DOCUMENTED OVER THE REQUIRED MONTHLY CONSISTENT PAYMENT. ) Eagerly waiting your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
when I log on line XXXX or go to the phone they would call me all day and all night on my phone number XXXX and XXXX to ask me to buy stuff and aply for new creit cards and on my creit score I have an old creit card on ther estated back in XXXX called capital one
I have an account with Thrift Investment for XXXX for an auto loan of a car that was repossessed. At the that time my significant other passed away and he was responsible for the bill and i no longer couldnt afford it. I did try to get the car back from the 3 months that i owed but they wanted the payment of the car in full. This account on my report has stopped me from being able to rent apartments and to get a car. I still am not able to get a car at this time. I would like this account removed. Im even ok with setting up payments to pay my debt back. That year was very hard for me i lost my car and apartment im just trying to get things back in order for me and my son.
I sent a letter to Capital One on XX/XX/XXXX with a USPS Tracking # of ( XXXX XXXX XXXX XXXX XXXX ) which they received on XX/XX/XXXX. In the letter I asked them to validate a debt being reported on my credit bureau report according the the Fair Debt Collection Practices Act. However I never received a response of them validating the debt.
My daughter requests her rent payment from me each month via Chase 's QuickPay application. We have been using this to transfer her money since XXXX. For the XXXX rent, she requested on XXXX XXXX, however as of today, XXXX XXXX the funds are still not available in her account. I verified that the funds were withdrawn from my non-Chase bank account on XXXX XXXX. I contacted Chase at the XXXX phone number found online. They told me that the transaction was accepted on XXXX XXXX after their cut off of XXXX Therefore the process would not start until the NEXT business day AFTER XXXX XXXX. Using this logic, the representative stated that XXXX XXXX was day XXXX, XXXX XXXX was day XXXX and today ( XXXX XXXX ) is only day XXXX. I was told the process " can take up to 5 business days '' to have the funds available if from a non-Chase bank account. Then I was told that funds " could be '' available either Thursday or Friday ( XXXX XXXX or XXXX XXXX ). I was not pleased with this confusing answer as I have not had this type of " hold '' treatment on the other funds we have transferred. I believe this in an excessive amount of time to withhold funds on a recurring transaction that can been seen each month since XXXX. I think it is also deceptive to arbitrarily apply the holding of funds and not have a definitive timeline of when they will be available. I confirmed that the funds were withdrawn from my non-Chase bank account on XXXX XXXX and asked where they were. The representative stated whey were " in process ''. Once again the timeline is not consistent with my other transactions. Please review this matter with Chase. I want to ensure other college age customers do n't unnecessarily incur late fees ( for rent ) when Chase has chosen not to release funds that are valid and have cleared the sender 's account! I believe the monthly transfer details, Chase emails of the request and acceptance of the transfers, and screen print of my non-Chase bank account withdrawal will suffice to represent this complaint. 

Thank you for your consideration.
I am filing this complaint with CFPB to ask for help in disputing the method of verification used by XXXX, XXXX XXXX and Experian credit reporting agencies. As a dispute was filed on XX/XX/XXXX regarding a public record [ Chapter XXXX Bankruptcy # XXXX ] that appears on my credit report that does not belong to me. 

The above mentioned item has been in dispute for the past three months and yet the three agencies ( XXXX, XXXX XXXX, and Experian ) have not provided adequate proof nor validated the method they used to verify the accuracy of the item in dispute. They have treated this like a standard complaint, as if to say " We get these types of complaints all of the time '' They have made a grave error in ignoring my dispute, as this is my final attempt to resolve this issue before I file suit against these agencies. 
. 
I have been greatly affected by this notation on my credit report. I have been declined credit, I have been declined prime interest rates, as well as denied a XXXX  XXXX line of credit for my business due to this erroneous item. ( Ch. XXXX BK ). 

In their letters, XXXX, XXXX XXXX and Experian wrote : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' My rights are protected Under the Fair Credit Reporting Act of 1970. " According to federal law consumer reporting agencies bare grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. '' ( see attached dispute letter dated XX/XX/XXXX outlining this fact ). 

Apparently the credit reporting agencies are ignoring my right to dispute inaccurate information. Because XXXX, XXXX XXXX and Experian were not willing to cooperate and provide proof of validation, I wrote to the US Bankruptcy Court, XXXX, CA Superior Court, requesting that they provide an explanation of their reporting and verification process. 

To my surprise, I received written correspondence from the courts with explicit language stating that they do not verify, report nor provide any method of validating or verifying information submitted by the three credit reporting agencies or any other agencies. Therefore, how can XXXX, XXXX XXXX, and Experian claim to have received CERTIFIED verification from the US Bankruptcy Courts if they do not verify or report information??? Contrary to what they have noted in each of their letters to me claiming proof of accuracy. For this reason alone, and under Section 611 ( 5 ) ( A ) I DEMAND that XXXX, XXXX XXXX, and Experian promptly remove the item from my credit report since they have been unable to verify it. nor provide adequate proof validating that the public record belongs to me. 

I would greatly appreciate your assistance in helping me to carry out this request and bring this dispute to a positive resolution. I have attached proof of my dispute with this complaint to CFPB.GOV. Thank you for assisting me with this matter. 

Regards XXXX XXXX XXXX
I was talked into overbearing my student loans because of being laid off and now my student loan balance has doubled..and on top if that since XXXX changed to Navient my monthly payments have doubled ... i need to get a payment lower so that I can get back in track but not help is being offered but to forebear my loans again and at that rate I will never pay my loans off.
I have had an account with EXETER FINANCE that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to exeter finance. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on exeters online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Wells Fargo opened XXXX accounts in may name since XXXX. XXXX of these accounts were opened in the past 5 years. Wells Fargo ran my credit for a personal loan that was intended to be used as debt consolidation. At the time I had less than {$3000.00} a year in income. Wells Fargo opened a credit card account for me when I had no income and that got closed and in XXXX they opened another saying that it would help me build credit. Again at that time I had little to no income. I had to go into a branch to even find out all of my account numbers/ and the dates that they were opened and closed as these arent available online. I also have paid over {$2500.00} in over draft fees. Wells Fargo refused to allow charges to be denied when funds werent available. There were times where my account would have XXXX or more stacked on overdraft fees because items would be posted in my account online and then disappear only to reappear a few days later and with multiple {$35.00} fees attached.
On or about XX/XX/, 2018, I contacted Synchrony Bank ( XXXX XXXX XXXX ) to dispute a fraudulent charge on XX/XX/ 2018 of {$130.00} on my account. I was told that they would complete an investigation, share the results with me and resolve the issue. This has not been accomplished. As they have not removed the charge completely they continue to add late fees and interest on a balance I do not owe. In addition, they have erroneously and incorrectly reported negative information to the Credit Reporting Agencies. The has had an adverse effect on my otherwise impeccable credit history including that of many years with Synchrony Bank. I have a stack of documents, many of them contradictory at best. I was assured that they would correct this but as of this date, some 7 months later, it has not been done as promised. I have been in contact with XXXX  but have not received any type of documents indicating an investigation had been completed. I would request that my balance is corrected to the factual {$0.00}. In addition, I request that the false, negative information reported to the Credit Reporting Agencies be removed and my credit score returned to the perfect state it was in on XX/XX/ 2018.
I am renting an apt . in XXXX, NC XX/XX/XXXX and was trying to set up my XXXX XXXX Acct for electric but received a letter that they could not approve my service because there was a security freeze on Equifax and that is the only credit reporting service they use. I called Equifax to lift the freeze and was asked at least 10 questions including giving them all my personal information as well as credit card balances which of course I had to look up on line. The final shock was they wanted to know what date I set up the security freeze which I had no idea. I have had my credit frozen for years and lifted it any time I needed to. I know I placed a freeze with Equifax before their hack, as that was how my personal info. was compromised. I had no way to find out the date and Equifax refused to lift my security freeze thus I am unable to rent the apartment. This must be illegal and will cost me dearly financially.
I have been repaying Bank of America since 2012 for property tax reimbursement. They were reimbursed fully by XXXX County, OR. I received a bill from B of A for {$500.00} for " closing the escrow account '', stating that I " asked the to close it ''. 
I did not ask that it be closed, only that they stop billing me for repayment, after the balance had been paid. I can not get through to anyone to try to resolve this issue. I am XXXX years old, have been dealing with constant " what I call harassment '', since 2012. Can you hel me? I have been XXXX since I received this letter, and do n't know how to deal with. Thank you for your help. XXXX XXXX
XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Loan number # XXXX OCWEN Short Sale OCWEN is forcing an illegal foreclosure in the midst of short sale negotiations and has not served the home owner with foreclosure paperwork. the foreclosure date was re-assigned yesterday for XXXX/17
I received an alert on my XXXX credit report that a collection was added on XXXX XXXX, 2017. The  company is Midwest Recovery System and the amount is {$430.00}. I have never heard of this company have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit report. I demand this account be removed from my credit report immediately and be given the opportunity to dispute this alleged debt.
Dear Sir / Madam, I have an account with coinbase to which I have been using for trading but has been restricted, so say coinbase, because I needed to verify my identity. I have since done that on the XX/XX/XXXX and made countless replies to the support ticketing system, to which I am consistently getting a somewhat generic response to wait until a specialist looks at my account. This problem has been going on since XX/XX/XXXX! After uploading the initial documentation recently, I have had a reply, stating : ( by XXXX XX/XX/XXXX XXXX Thank you for writing back. I understand that you have waited for quite some time now and you want your account restriction lifted. Please allow me to explain further. I made a clear review and your concern has been properly forwarded. Sometimes the time-frame given can take longer depending on the volume of cases. I can assure you that your case will be looked into and will be addressed by our specialists. Thank you for your utmost patience. Your understanding on this matter is highly appreciated. I then repeatedly advised XXXX that coinbase have no right to restrict access to my wallets. I stated that all I want to do is withdraw my coins from the coinbase run wallets so that I can store the coins in my own hardware wallet. I have also noted to coinbase that before the intention to restrict my account, I have never been given an opportunity to withdraw my coins from coinbase wallet and close the account. Instead coinbase have restricted the ability to send/withdraw coin. I have repeatedly stated to coinbase that I need access to my coin because I am a full time trader, I trade crypto markets for a living, and because they have restricted access to my coin, they are causing me great emotional distress and financial hardship, as well as it being illegal to withhold my coin. I have successfully uploaded all identification documents and a selfie, received the appropriate emails from coinbase to confirm this, I have done nothing wrong, yet my wallets are still restricted and I am unable to withdraw my coins. The answer from coinbase is always, please wait whilst a specialist checks the account. by XXXX XX/XX/XXXX XXXX Hi, XXXX XXXX Thank you for writing back and thank you for completing the identity verification. Let me ensure that this gets addressed as soon as possible. I am working with a specialist to continue resolving this issue for you. We will follow-up with you as soon as we have an update. I do not understand why coinbase have restricted access to my coin wallets, nor should they be allowed to do so. I have repeatedly asked them to fix this issue, but the generic reply is always given which is to wait and wait and wait. I do not wish to do business with coinbase any longer, I just want to withdraw my coins to my own hardware wallet and then subsequently close my account with coinbase as I have been treated very badly and no longer wish to pursue any future business with them.There is a significant amount of coins in my account, that coinbase are withholding from me, preventing me from withdrawing my coin to my own hardware wallet. The coin details are attached.
I reached out to you all on last year regarding some accounts on my credit that are not mine. I have been trying to help my son get a car and also purchase a home and the Bankruptcy on my credit is not mine along with XXXX XXXX  XXXX now.