WillisBack/dataset-financial-user-claim huggingface dataset:
I had a boyfriend who bought a motorcycle and he signed me up as the co signer without my knowledge. The motorcycle was then stolen. The finance company has put a repossession on my credit report because he stopped making payments on the bike after it was stolen. I have never signed for the motorcycle to begin with and any signature was forged by my ex so there for the Repossession should only be on my ex 's credit report and not mine.
I have been trying to get a re-modification for 3 yrs now. The mortgage company continue to ask for the same documents over and over again for the re-modification which has prolonged this process now for about 7 more months. During this re-modification process I had a house fire XXXX/XXXX/XXXX and now the mortgage company SPS XXXX Select Portfolio Servicing Inc ) has a hold on the funds provided by the insurance company to pay for the repairs. All moneys had been sent to me, I endorsed the checks and forward them to SPS for repairs now they wo n't let the contractor draw the funds to do the repairs. I have a deadline for my temporary housing paid for by the insurance company of XXXX/XXXX/XXXX. Loan # XXXX
I am currently paying Mortgage Insurance to Quicken Loans of {$120.00} and have been paying this for four years. I have heard that the Mortgage insurance should drop in 2017, then I was told by Quicken Loans it should drop in one or two years, and then most recently I was told by Quicken Loans it would be 11 years : ( and would I like to refinance with a different type of loan to get rid of it. I would like to know when this money will no longer be charged. It would help us tremendously to get this payment lowered. I do n't like the run around I get every time I call Quicken, they are always wanting us to apply for a different type of loan or to refinance our loan. I would like without a doubt an answer as to when the {$120.00} Mortgage Insurance Payment will drop off our monthly house bill. Thank you for your time in looking into this for us. Sincerely, XXXX XXXX. XXXX
My partner and I had removed our overdraft protection from our Wells Fargo checking account. The removal is supposed to prevent the approval of transactions if there is n't enough funds to cover a transaction. However Wells Fargo allowed 12 transactions to clear @ {$35.00} per instance totaling {$450.00}.
XX/XX/XXXXI have been filing complaints for them to verify my reports for months and Transunion has not respond to my letters.I have been sending letters since (XX/XX/XXXX), with no verification to the credit laws that I had included. Seeking help with this matter.
Summary : I am demanding that Equifax remove XXXX account XXXX from my credit report. Instead Equifax is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Equifax is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Equifax was received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Equifax acknowledged receipt of the findings and judgment on XXXX XXXX. I talked to an Equifax representative on XXXX XXXX. Despite proper legal notification of the court finding that I am not responsible for this account Equifax has refused to remove the account from my credit report. Instead, I was told I would need to have an attorney contact them in writing to have the account removed. It is my understanding that consumer credit bureaus are obligated to abide b court rulings once they have received proper notice. I am filing this complaint because I believe Equifax is attempting to improperly avoid it 's legal obligations by placing an arbitrary, undue and expensive notification / escalation burden on me that I am not legally required to fulfill.
The Account for XXXX XXXX should be removed due to it being on a home that was foreclosed on and the XXXX late for this trade line was over XXXX years ago. This account was removed from my credit file with XXXX and XXXX, see attached credit reports. This account was joint with my wife and was removed off of my wife 's credit report with Experian, please see attached.
I had to look up on Equifax 's sketchy website whether I was affected by their data breach. According to them, I most likely was. Why were we not notified earlier? And why are n't they automatically watching for fraud on my account? I have to opt-in, and the terms make me promise I wo n't sue them. 

I also had some fraud on a credit card a few weeks ago ; I wonder if this is related, given some of the breached data included credit card numbers.
Under the new law/agreement effective XXXX XXXX, 2017 any public record data must include name, address as well as social security number and date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per this new agreement/law the bankruptcy listed does not include this information and should be deleted from my credit report.
XXXX is a debt collector for USAFunds. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint. 


USAFunds is using XXXX as their debt collector. I sent XXXX several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.
My lender at the present time is SPS and my loan was serviced transferred to them in XX/XX/XXXX and before that was XXXX. Either lender has REFUSED TO OFFER ME ANY MORTGAGE ASSISTANCE AT ALL. My interest rate is 8.5 % that is so high for these days and asking for help over and over again but to give me a outrageous repayment plan I can not afford. Below is what they gave to me and this will not even take me out of foreclosure. I want something more affordable and at the going rate today of 4.25 % to 4.75 % and this home would be affordable for me to keep. 


SALE DATE XX/XX/XXXX APPROVED FOR REPAYMENT ONLY OFFER AND LAST OFFER NEW PAYMENT WILL START XX/XX/XXXX FOR 12 MONTH RE PAYMENT PLAN NEW PAYMENT WILL BE {$7200.00} THERE IS NO GRACE PERIOD AT ALL HE IS P/D 110 MONTHS TOTALING OVER XXXX THIS WILL NOT BRING HIM CURRENT AFTER THE 12 MONTHS HE WILL HAVE TO RE APPLY AGAIN SALE DATE HAS BEEN SET FOR XX/XX/XXXX NOW IF THIS OFFER IS NOT TAKEN THEY WILL NOT OFFER ANY OTHER OPTIONS FOR HER AT ALL Even with my first lender was XXXX they did not offer me nothing. I have been trying and struggling to keep my home and get back on track with my lender SPS but they have made it so difficult for me to even get on track with such a large payment and nothing is a guarantee either they wont take my home after i would agree to anything. 
So it all comes down to one thing, not XXXX TO SPS have given me one modification at all since i have obtained the loan in XX/XX/XXXX
I did try to contact rental history reports and Hunter Warfield about inaccuracies all my file and I have a court document that I sent to rental history reports about me and my daughter because she's in the household and also on the report they refused to remove it they refuse to correct the file we keep going around in circles they think it's a joke and it's not funny to me this is stopping me from getting an apartment and they just don't care Hunter Warfield is being rude and disrespectful and I've tried to explain to them what it was and I have proof but they refused to listen to me they keep talking over me and not listen to what I'm saying to them
On XX/XX/2017 I sent a request for mortgage assistance to the servicing company to my mortgage loan. The reason my loan became delinquent was because the monthly payment the lender offer were much higher than promised. I have applied for loan modifications several times but always get denied due to inconsistent reasons. I was recently advised by my loan 's servicing company that they are no longer taking any more documents to process a loan modification.
Company is XXXX XXXX XXXX ( XXXX ). 
I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the debt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt XXXX XXXX XXXX claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said. 
I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect. 
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' XXXX has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing. 
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against me.
I applied and was approved for {$500.00} credit limit with Citi-Bank for a XXXX gas card in XX/XX/2018. My first statement due date was to be XX/XX/2018. I was unable to access my or set up my profile and or online payment methods till I had to call and be reset and talked through the process. At that time I had set up payment method and made a full payment, paid off my balance on XX/XX/2018. I received a call today XX/XX/2018 in regards to late payment. After looking into it with customer service they had told me my payment was returned the very next day on XX/XX/2018 because a phone number didn't match the banks information. I've been penalized for late payment and fee because of this. I've requested a letter of findings, credited later fees and a copy of my credit report for future credit score discrepancies. I then asked where to go online on their website to visually see the information I had set up to cross reference with my bank and was denied. A lack of due-diligence on Citi-banks side has caused this to escalate. If I would of been contacted in a more reasonable time my payment method would of been corrected, I would of been able to have my payment in on time and I wouldn't be worried about this effecting my credit score or having any delinquencies in regards to this Im unaware of.
I have contacted our current loan servicer, Freedom Mortgage by phone in order to recast our loan. I was told to put my request in writing and fax it to them. I did this in XX/XX/2016. Since then I have received letters stating they are looking into my inquiry, but no satisfactory response has been provided. It has been over 90 days now and they continue to '' research '' this issue. I called again to spoke with some one in customer service last week. She actually knew the term re-cast and told me I would have to pay a 20 % downpayment in order to recast. My original loan was with XXXX and I have the terms of the loan stating that I can re-cast at any time with a 10 % downpayment. I have sent this information to Freedom Mortgage as they are to honor the original terms of my loan and not change them just because my loan was sold to them. At this time I feel I need help just trying to recast my loan which should n't be an issue, but it has become one. By the lender 's delay in proving me specific instructions on how to re-cast, I have had to make XXXX payments at the higher amount. I want to make sure my 10 % downpayment is part of the re-cast process, and not merely a payment toward principle. No one has been able to provide instructions, nor do so in a timely manner. I have waited XXXX months now with no help from Freedom Mortgage.
ive tried to reach out to American Express in regards to a fraudulent balance transfer of XXXX that took place last year XX/XX/17 to date they have not credited my account for this fraud transaction i informed them on XX/XX/2017 of this matter and also an charge for XXXX they have disregarded my claim
On XXXX XXXX, XXXX, our XXXX was XXXX under Chapter XXXX by the Bankruptcy Court in the XXXX XXXX XXXX Florida. Said mortgage was recently sold to Statebridge Company, LLC. on XXXX XXXX, XXXX. 

Today, XXXX XXXX, XXXX, we receive the first mortgage statement and it lacks the acknowledgement and language that the mortgage was discharged in XXXX and is in direct violation of the Fair Credit Reporting Act ( " FCRA " ) and Fair. Debt Collection Practices Act ( " FDCPA '' ), I am attaching a copy of the bill received as well as a copy the Bankruptcy discharge. 

I am requesting that Statebridge Company, LLC reflect our Chapter XXXX Bankruptcy discharge on our account.and abide by the law. 

Thank you. 

XXXX XXXX
Western Union canceled a money transfer of {$120.00} on XX/XX/XXXX and said i would receive a refund within 7-10 business days. I never received it as of XX/XX/XXXX Western Union said they needed to have the Receivers Id to process the cancellation. I emailed that to them and they emailed me back within a couple of days stating my refund had been sent. Now it is XX/XX/XXXX and i still have not received my refund i have contacted Western Union multiple times and they keep telling me i should get my refund they promise to call me back and never do so I am hoping you all can resolve this issue for me.
contacted the company to build my credit while filing a chapter XXXX bankruptcy in XXXX. I paid {$300.00} and received a credit card and worked hard at building my credit. Company closed my account without informing me of this process prior to accepting my payments and deposit. I have lost my deposit, credit with the company and my credit
Hi, I called Chase Credit card customer care number XXXX on XX/XX/2017 at around XXXX. 

The executive was n't talking professionally and was n't able to give me complete information. He seemed to be untrained and without sufficient knowledge. Prior to that, he asked for my SSN and asked for account password or security question ( my mother 's maiden name ) to verify my identity. 

I need to know if it is a standard procedure at Chase to ask SSN and account password for verification purpose? But, why shall I share my security question or account password? 

But anyhow, I had to share my SSN and my mother 's maiden name for verification purpose as he was n't giving me option to answer any other verification questions. 

I need assurance that the person to whom I spoke to is a genuine person and my identity details were shared with a reliable customer care executive.
I turn in the car in 2010 as a voluntary repossession, at a licensed auto shopwhere I had been getting the fixed since I had it and the agreement was thatthey was to pick up the car and sale it and pay the remaining balances. 
however they never followed up on there end of thing and they lost ownershipof the car cause they never picked up the car or pay the storage fees that hadbeen up at the auto shop so I received a letter asking me to pay or creditacceptance and neither one of us followed up and we both lost the car!
I have submitted this notice to the company via certified mail and haven't received a response in reference to this, this not my debt and is ruining my credit I also sent a copy to the credit bureau and they have not provided proof of this reporting XX/XX/18 Recovery One XXXX XXXX XXXX XXXX, OH XXXX XXXX : Collection Account : XXXX amount {$2300.00} To Whom It May Concern, I am sending this letter to you in response to a collection notice I received on my experian credit report Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

Regards, XXXX XXXX
Hello, I am an XXXX citizen and I lived in the U.S. between XX/XX/XXXX-XX/XX/XXXX on XXXX. I opened a checking account with Bank of America when I was a XXXX at XXXX. 
When I returned to XXXX on XXXX/XXXX/XXXX, I did n't close my BofA account. On XXXX/XXXX/XXXX, BofA closed my bank account and sent a check for the balance ( XXXXUSD ) to me. 
The problem is that XXXX banks do not cash this check, because there is no financial relationship between XXXX and the US. No other country, including XXXX, XXXX, etc. opens a bank account for an XXXX citizen too. So literally I can not get my money back! 
I asked BofA help-desk if I can endorse the check and sent it to a relative who lives in the US, so he can deposit the check into his own account ; They said No! 
I asked them to cancel this check and issue a new one under the name of a friend of mine who lives in XXXX, so he can cash the check. BofA refused again. 
I want to know if I can ever get my money back. Can you help with that? 
Regards, XXXX XXXX
Disputed with the XXXX  XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account BANK OF AMERICA in the amount of {$3500.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXXis not responding to my correspondence.
Dear CFPB it has been a long time I been dealing with all XXXX credit bureaus for one I 've disputed items ( example XXXX I been late a few times my bill is due on the first but I use the grace period of XX/XX/XXXX to make my payment I 've skipped a few payments always notified XXXX and made my payment on XX/XX/XXXX there has been times when XX/XX/XXXX or XX/XX/XXXX comes around and I am being served with a move out notice or a rep of XXXX XXXX is at my door to see if I am or anyone is living there ) Now in 2010 I lost my job my mother had a XXXX I had to move to California but a year or two before that I lost my grandpa in XXXX and that is when XXXX XXXX got all kinds of lines under my name now between XXXX, XXXX and XXXX XXXX my life has been a living heck I 've disputed things with XXXX, Equifax and XXXX XXXX before I 've filed complaints with XXXX and not single company is willing to help My mother is undergoing XXXX XXXX for the last 3 years ( yes after the XXXX ) I am XXXX on XXXX and I do n't know what to do anymore I 've gone above and beyond to try to work with all the companies I 've mention but it is like talking to a brick wall I need my credit fixed I am trying to get at least a part time job and I am being turned down for errors of all the companies I mentioned My last plea is to hopefully get help from your organization please I am begging you to help me
Crooked and deceptive Elan credit card still trying to rip off customer. They have found a legal loop hole in order to XXXX the customers who trusted them to be honest in their operations. When i found out these crooks had a work around charging customers interest if they pay off new purchases every month. After they admitted deception and they really have no legal work around they refunded the interest charged. I closed the account to sever ties with the thief 's. The person in customer service failed to tell me that the rewards points earned would be lost. I was NOT informed of this theft of honest earned rewards points. I strongly urge all consumers to stay XXXX away from elan financial as they go out of their way to XXXX the customers over. They have plenty of reptile lawyers to pervert the rule of law to XXXX customers. They are driven by GREED and EVIL INTENT to XXXX the customers any way they can.