WillisBack/dataset-financial-user-claim huggingface dataset:
My father purchased a XXXX XXXX XXXX Pickup from XXXX XXXX XXXX in XXXX, TX on XXXX/XXXX/XXXX. My father was XXXX XXXX XXXX at the time he purchased the pickup. He traded in a XXXX XXXX XXXX pickup. Apparently, my late father did not attempt to negotiate with the dealer and paid full price. They gave him less than half of what XXXX XXXX XXXX says was the trade in for the XXXX XXXX pickup. Additionally, they sold him extras that were included in the financing. My father passed away on XXXX XXXX, XXXX so he had the truck less than one year before he died and he died owing Ford Motor Credit approximately {$32000.00}. My dad was making truck payments of {$690.00} per month which my sister and I do not intend to pay. Ford Motor Credit has not been at all cooperative. I took the truck to a local Ford dealer for an appraisal and they gave us an appraisal of {$25000.00} so there is a shortfall of approximately {$7500.00} between what the estimated value is and what he owed when he passed away. Ford Motor Credit insists that they want the full amount of {$32000.00} in spite of the appraisal of {$25000.00}. My fathers estate will take in the range of XXXX or three years to close. Ford Motor Credit called our probate attorney and said they would pick it up and take it to auction. Our concern is that they may sell it at auction for far less than the {$250000.00} then come back and expect us to pay the difference in three years when the estate closes. We offered to try to sell it for what it is worth and give them that amount with the expectation they would write off the rest. I feel this would be more than fair because I believe both XXXX XXXX XXXX and Ford Motor Credit may be guilty of something like elder abuse. They took advantage of an XXXX XXXX XXXX man whose health was failing. No, he would not have admitted that his health was failing and he was still handling his affairs. However, his mental capacity was diminished. Otherwise, he would not have paid full price for the truck and taken such a small trade in on his XXXX truck. I will also be writing letters of complaint to XXXX, my XXXX and the State of Texas. Ford Motor Credit has been pushy, unhelpful and uncooperative. They are treating us the same as they would someone who had taken out a loan and was n't making payments. In fact, even someone who no longer had the ability to make payments due life circumstances should be treated better. They should be working with us, not telling us what they want and what they will do whether we like it or not. Feel free to share this complaint with Ford Motor Credit and again, this complaint will not be my only effort to reconcile our grievances with XXXX.
XX/XX/XXXX Called XXXX to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called Cavalry Portfolio Services XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with Cavalry on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it Cavalry provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with XXXX XXXX Opened on XX/XX/XXXX Sold to Calvary on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to Cavalry requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called Cavalry to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine. <P/>Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX
I HAVE NEVER RECEIVED ANY FORM OF NOTIFICATION FROM THIS COLLECTION AGENCY AND NOT GIVEN DUE PROCESS TO DISPUTE WHAT THEY STATE THAT I OWE. I RECEIVED AN ALERT FROM THE CREDIT BUREAU EXPERIAN STATING AN ENTRY WAS REPORTED TO MY CREDIT REPORT. I CAME TO LEARN THAT THEY WERE TRYING TO COLLECT ON A XXXX ACCOUNT THAT I HAD DISCONNECTED IN XX/XX/XXXX. THEY ARE STATING THAT THE DEBT IS FROM XX/XX/XXXX. I STOPPED USING THEIR SERVICE BECAUSE THE TECHNICIAN COULD NOT FIX THE PROBLEM WHICH CAUSED ME TO HAVE NO SERVICE WHEN IT RAINED THAT WAS IN XX/XX/XXXX. THEY HAVE RE-AGED THIS DEBT AND HAS KNOCKED MY SCORE DOWN BY XXXX POINTS. THE COLLECTION AGENCY IS ENHANCED RECOVER COMPANY, LLC OUT OF FLORIDA.
After pulling a copy of my credit report it has come to my attention of Not proven compliant misinformation from inquires being reported on my credit report from the following : 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX the credit bureau is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! Equifax has reported several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chicanery led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights.
On XXXX XXXX I wrote to Experian to dispute XXXX ' account, and asked Experian to provide me with a copy of the verifiable proof or to remove the account from my records. 

Experian responded with a form-letter dated XXXX XXXX which simply stated account " remains ''. ( Answer enclosed ) On XXXX XXXX I sent Experian another request for verifiable proof as per Federal law. 

On XXXX XXXX Experian responded with the exact same form-letter responding account " remains '', and again without any proof of debt. ( Answer enclosed ) The Credit Reporting Agency can not report a debt without any proof. They simply obtain a confirmation from the collection agency and to them that 's sufficient. I have contacted the collection agency and they do n't send any proof either, only a computer printout. 
This complaint is to advise that Experian conducted an improper investigation. Experian failed to provide me with a copy of any documentation for example, a consumer contract, an order form, an agreement, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly DELETE all information which can not be verified. " Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or CAN NOT BE VERIFIED. ''
I found out about this debt when served with papers saying I was being sued by Med1 collections. The papers were served on XXXX XXXX 2015 with a court date of XXXX XXXX 2015! I work as a XXXX, I called when I could but Med1 would deflect my attempts to try and figure this out. I have a gentleman working on my credit and finances. I signed a power of attorney and asked him to get the information. He sent the " lawyer '' for Med1 a letter ( attached ) asking for paperwork to validate the debt so we can see what this is and if it is correct work out a settlement. The " lawyer '' says he has the paperwork but refused to give it to my representative since he was not a lawyer. He said the only way to get the paperwork is for me to call him. I do not want to call a debt collector and get bullied. I should not have to.
We bought our home and it closed escrow on XX/XX/XXXX. The home belong to XXXX it was a bank own property. We got a home loan with XXXX the loan was set with out impounds just paying principal and interest. On XX/XX/XXXX, I received a letter stating that an escrow account had been set up for a loan because some taxes were owed. I called the mortgage company and sent them proof that i am up to date with the taxes and insurance. I found out the taxes were owed by XXXX please see attached tax statement. On XX/XX/XXXX XXXX sold my loan to Loancare who raised my monthly payment from {$1200.00} to almost {$1900.00} raising my payment by {$500.00} a month for taxes and insurance that are up to date. I had XXXX negociate with Loancare, Please see attached documentation all taxes and insurance are up to date and Loancare refuses to remove the unessesary impounds. Loancare has ruin my credit and sent me a letter that my home is in defult. I continue to sent my agreed monthly payment but Loancare delays the payments and make one payment out of two. Please help me I have been diagnosed with XXXX and it is very difficult to continue to fight with the bank. They have acted without any regard for the proof and I keep getting herrasing phone calls and letters. I have not done anything wrong, the back taxes should have been paid at the time we closed escrow. I have kept all the mandated agreement and my account and payments are up to date. Loancare refuses to accept any proof and continues to damage my credit and are treatenning to forclose my home.
I have tried to dispute several bad things on my credit and they wo n't go away. I 'm currently trying to get private student loans for school and am continuously denied bc of Equifax reporting. This is causing a lot of problems for me. XXXX is fixing it on their end why wo n't Equifax?
The account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : Shellpoint Mortgage Service XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Line Item : XXXX XXXX XXXX, XXXX XXXX Attn : Research Dept., XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this information several times with the disputes department at XXXX and Shellpoint Mortgage Service. The information will be corrected and then re-aged again. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX XXXX & gt ; XXXX & gt ; XXXX XXXX gt ; Shellpoint Mortgage Service then re-added to my credit report and now re-aged. This is a fraudulent practice.
XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Reference : XXXX XXXX XXXX ; The above XXXX account was disputed with XXXX XXXX and closed in XX/XX/XXXX due to unreturned equipment. 

I contacted XXXX XXXX in XX/XX/XXXX and explained I had left a violent and potentially dangerous situation and could not return to that apartment to retrieve the equipment. However, I explained that they have a tech office 0.3 miles from the apartment and there were XXXX XXXX techs in the complex almost daily, so if they would send a tech to retrieve the equipment it would be surrendered without any incident or threat of any violence. My initial request to have the equipment returned was denied, as I was told " they don't pick up equipment. '' I requested an appeal with XXXX XXXX where I pleaded my case over a recording with a representative from XXXX. My recorded appeal was denied by XXXX and I was told they do not pick up equipment under any circumstances. Having no other alternatives, my account was closed and placed in a collections status as of XX/XX/XXXX, and I accepted the damage to my credit rating. 

But now in an apparent attempt to further damage my credit rating and extend/bypass the statute of limitations, XXXX XXXX and XXXX XXXX XXXX has fraudulently reported the debt as being closed TWO YEARS LATER in XX/XX/XXXX.
Transunion continues to allow my report to be accessed by not locking my report immediately after. I have documents that support XXXX requesting Transunion to remove the Inqs, XXXX is fraud hence they removed the accounts so the Inquiry remaining makes no sense, XXXX bank XXXX TIMES! thats absurd I just opened a checking account, XXXX a " XXXX XXXX '' which appears to be a dealership in XXXX XXXX!!!! How derelict can they be! REMOVE THESE INQUIRIES IMMEDIATELY AND SEND ME MY REPORT ALONG WITH A PROPER INVESTIGATION. 

SEE THE ATTACHED AND REMOVE THE INQS
My bank, Wells Fargo Bank , na, added overdraft protection to my checking account. Despite repeated requests to the bank to remove it and decline any overdraft debit purchases, they have continued to allow the transactions to process, and charge me {$35.00} per transaction. They have charged me over {$300.00} in the last 3 weeks since they added the overdraft and failure to remove it.
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
This company is trying to collect {$12000.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017 due to GROSS NEGLIGENCE, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
I filed a compliant with your agency in XX/XX/XXXX, company never verified debt with collection agency and it was deleted from credit report. In XX/XX/XXXXit was sold to another agency which is reporting in my report without validation. 
Consumer Financial Protection Bureau Reference Number : XXXX ; XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX
XXXX  and   XXXX   XXXX   XXXX   seem to be  XXXX  company but have done hard inquiries, through our request for a home loan through  XXXX , have made  XXXX  inquiries on my credit reports ( all  XXXX  bureaus ) and  XXXX  on each of my husbands reports ( all  XXXX  bureaus ). They made the inquiries in  XXXX  and  XXXX . Although the company says hard inquiries within 1 month count as  XXXX  inquiry, I have found the time limit is 14 days. We only authorized   XXXX   to pull our credit report  one ti me. Shortly after contacting  XXXX , we recd a denial letter because our credit was n't strong enough. Then, there are more inquiries and lenders are saying we authorized. NOT TRUE! Why would we if we were  DENIED.  It 's bad business practice and I personally feel underhanded and probably violating laws! We now have limit of inquiries due to above company  ( s ),  that they have forced us to stop trying to buy a home and ship for mortgage companies. Each inquiry after  XXXX , within 2 years, lowers  credit score   XXXX  points!!!! We did not authorize this. We have called, written, disputes and the lenders refuse to remove the unauthorized inquiries. Again,  XXXX  and   XXXX   XXXX   XXXX   ( as listed in my and husbands credit report ) had NO authorization. We are now filing with  Consumer Protection , FTC and   XXXX   attorney general. Our resolve is any and all inquiries on my,  XXXX   XXXX , and my husband,  XXXX   XXXX , be removed from all  XXXX  credit bureaus immediately.
I previously disputed an account listed as AMERICAN CREDIT ACCEPTANCE on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the XXXX  account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX  with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called XXXX on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.
Dates : late  XXXX , early  XXXX    XXXX  .   Amount : : About {$400.00}, {$420.00} payment The company  is Navient, student loan company. They started to automatically called me with an automated message every day and so metimes after  XXXX   XXXX , they would not leave me alone. And the phone calls/harassment kept coming more aggressively with multiple people on the phone. After a while, they just offered me a short forbearance for abou t 2-3  months, which is ridiculous since I 'm not working full time at the moment. I spoke with them and notified this, still their customer service people would not even acknowledge the notes. I just felt like They 're harassing me, forcing me to make a higher payment and even threaten to default if I do n't agreed with their terms. This has got to stop. It 's ridiculous.
my debt from a collection agency was sent to a different agency & the orangnel date of XX/XX/XXXX was changed to XX/XX/XXXX
Paypal Credit, aka XXXX, did an inquiry on my credit report XXXX XXXX 2015. I never applied for credit with them. I saw this inquiry on my report so 6 weeks ago I contacted them and asked them to pull it, submitting certain documentation that they required. They have done nothing! Further I contacted XXXX ( case # indicated above ) and they pass the buck to Paypal saying they can do nothing about it. 
As inquiries on my credit report can hurt my score, I do n't appreciate PayPal or any other company making inquiries on me when I have not applied or currently maintain credit with them. Further I do n't appreciate XXXX in effect being a co-consipirator in this by passing the buck back to PayPal. 
I have go online and learned many other Americans have had inquiries on their credit reports as well from PayPal. A cease and desist order needs to be issued to PayPal and XXXX needs to be advised they can not take illicit inquiries. 

XXXX XXXX XXXX XXXX, XXXX
Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX financial is not authorized to collect debt and I noticed was faxed into Equifax stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from XXXX XXXX.