WillisBack/dataset-financial-user-claim huggingface dataset:
I live in XXXX, Texas and sometime in XXXX of this year my ex-girlfriend lifted personal information without my consent during a visit. She went to XXXX XXXX, Michigan and made an unauthorized charge of {$1600.00} to XXXX XXXX to make repairs to a vehicle. Instead of following correct procedure and calling my phone number, she handed them the phone and someone claiming to be me gave them my personal info. When I asked her about why she did this without asking me she texted me saying, " I was scared you were going to say no! '' Despite this evidence, despite the negligence of the staff in their method for obtaining consent for the charge, and despite the fact she made unauthorized phone payments again using lifted personal information that I did not give her consent to use, XXXX and experian claim their investigations found nothing. There are still {$250.00} or so that they claim I owe for a charge I never made. This is on file with the XXXX XXXX, TX sheriff 's office under case XXXX. They still have not arrested her as far as I know and she has changed her number and ignored all my attempts to contact her. I don't know if this is some kind of sexism because I'm the male partner in this relationship or why she is being treated like she is innocent and I am being treated like I should just pay even though I am the victim but it is ridiculous. I demand that XXXX XXXX and XXXX to be investigated for misuse of my credit card information and errors in their fraud investigation procedures and that the credit card charges wiped out or transfered to the guilty party, one XXXX XXXX, and to be recognized for what they are : Fraudulent unauthorized charges! I want letters sent to my credit reporting agencies apologizing for this lapse in justice. If anyone should be slighted for these missed payments, its her. I never agreed to the terms of her making payments via phone to my card directly. I tried to press charges to have her arrested. Now I don't know if that's in the scope of your powers or not, but for some reason the Sheriff isn't making any moves and I don't know why. The whole thing is frustrating and defies reason. I can provide more than enough evidence that she admitted to wrongdoing in text messages and XXXX has information on the multiple permutations of her name and fake names used to may phone payments.
As I was in the middle of a chapter XXXX, on XXXX XX/XX/XXXX, the XXXX bank sold and bought my house with out advising me on XXXX XX/XX/XXXX an improperly way he is the seller and the buyer at the same time. it is unfair practice. the XXXX Bank cam in XXXX XX/XX/XXXX in the Bankruptcy Court asked the juge to remove the block they made in the House.I am crying for help this morgage already had to much violation on it.
Select Portfolio Servicing Inc ( SPS ) sent a letter stating " Your Mortgage Has Been Referred For Legal Action ''. Further, the letter stated, " Select Portfolio Servicing, Inc. ( SPS ) the mortgage servicer on the above referenced account, has referred your account for legal action. However, you may still be able to avoid foreclosure. '' It goes on to outline " alternatives '' to foreclosure. Specifically on XXXX XXXX, 2016 we sent a RESPA Qualified Written Request for information demanding " Proof of authority from XXXX Bank XXXX XXXX XXXX Mortgage XXXX XXXX to conduct business on their behalf. '' Previously SPS had stated in correspondence the alleged involvement of the aforementioned entities in the subject mortgage. SPS has indicated that, in regard to the mortgage, " The Note Holder for XXXX Bank XXXX XXXX, as Trustee, Successor in interest to XXXX Bank, XXXX XXXX, as trustee for XXXX XXXX Mortgage XXXX XXXX. '' We have previously questioned SPS 's authority in the matter and have rejected and denied the profession of their role as servicer. SPS has not fully and properly responded to the RESPA request of XXXX XXXX, 2016 - there has been no detailed response to the inquiry. SPS now threatens us with legal action. We allege that their handing of this matter is in violation of FDCPA.
Sorry for the delay but CFPB must see the " shallow '' response from XXXX XXXX. Again, I submitted to CFPB a copy of the payment schedule as well as the contract via net credit. with my last complaint for CFPB 's view. I am not paying a " lower '' but a higher interest when the terms of my loans were changed which does not reflect anywhere on my contract. CFPB has been silent in this ongoing complaint against this company and I would like to see what you think. I have no " amortization '' sheet! I am going by my contract which does not at all include that the company may " change '' my loan term and charge me at a higher interest rate! I did not agree nor " sign '' to the changing of my loan especially to pay added interest because this company appears to be " A predator lender! '' Make no mistake I will not stop until things are made right and there are laws that actually protect consumers from this type of lending!
We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, Equifax, and XXXX in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.
unfortunately due to family circumstances ( tragedy, emotional XXXX ) I inadvertently forgot to cancel auto renew with XXXX on an XXXX XXXX card - XXXX refused to even consider a proration and XXXX XXXX via XXXX will no longer assist former XXXX customers amount in dispute {$170.00} - advise CFPB to demand XXXX cease and desist
In XXXX this account was sold to Santander Consumer USA , Inc. from XXXX XXXX ( original lender was XXXX from XXXX/XXXX/XXXX ). However, Santander is reporting that I took out a loan on XXXX/XXXX/XXXX which is incorrect ( see attached ). 

This account shows no payment history prior to XXXX because Santander did not have the account. Even though I made payments with both XXXX XXXX Bank and XXXX XXXX and did not begin to fall behind until the account was sold to Santander in XXXX, there is no payment history reflected on my Equifax. I have proof of payments but it will take a few days to get copies of checks from my bank. 

In XXXX of XXXX, this account was reported as current yet I voluntarily turned in the vehicle in XXXX of XXXX. 

Account shows a 7 year loan which is incorrect. According to the original contract, the loan was financed for 72 months ( see attached ). I have never taken out a car loan for 7 years and am unaware of lenders who finance vehicles past 5 years/72 months. Due to predatory tactics such as padding the balance, I would still be paying on the vehicle if I had not turned it in to Santander in XXXX. That equates to a 9 year auto loan.
My mother was a patient at XXXX a few years ago. 
I do not know why they are harassing me with her debt. I am not, nor have I ever been her POA or otherwise financially responsible for her bills. 
I have contacted XXXX a couple times after receiving threatening letters from them and have ademately informed them that I Am not responsible for payment of my mother 's bills. I Have let them know the same when they have called harassing me. They have fraudently gained my personal information and is threatening to defame my name with these fraudulent charges of my owing them a debt. I do not owe them a debt of any kind. I have never been a patient there nor am I financially responsible for anyone who was a payient there. They rudely keep saying they will remove my name and get this straight but it continues to exculate and I am being harassed more often and the threats are getting more severe.
XXXX case XXXX CFPB You XXXX responded { I quote } that you are not required to have a contract with a consumer. I request the contract that you XXXX claim to have with alleged XXXX XXXX XXXX Hospital and my self services claimed provided in complete detail of service, a copies as to where I agreed to these services [ My signature on each alleged account approving of service.You XXXX stated I quote { we are not required to have a contract with the consumer I request a Copy of your contract with XXXX XXXX XXXX Hospital. I need all the enclosed documentation in detail for my investigation to possibly file a fraud case. You XXXX Subrogated yourself on to or into a contract as a third party not being on the alleged original contract. I want that contract not letter stating it was bought, traded, sold, given, to you by XXXX XXXX XXXX Hospital to you. You XXXX should have the alleged original contract with myself, XXXX XXXX XXXX and your XXXX on that contract. If you are not on this alleged contract You XXXX have no right to substitute { subrogate on to or in to a contract, A third party collector not on alleged orginal contract between a consumer and creditor can not claim that anyone owes them money
In XXXX 2016, it was brought to my attention that an erroneous account had been turned into collections and reflected on my credit history. I thought I cleared the matter by getting a letter from the company apologizing saying my payment history was in good standing and that error should have never occurred. I am enclosing a copy of said letter. 
A second issue remaining on my credit history is a confirmed stamped " closed '' for matter that was yet another error. A copy of it is enclosed. 
Why does n't the credit directory ( ies ) remove these items when I have submitted documented proof that they are not my issues and no longer valid? I understand they receive all sorts of money by allowing such to remain on one 's credit history, and that is unjust to the consumer. 
Today, XXXX XXXX, 2016, it was brought to my attention again that the said matters have not been removed from my credit history by either of the credit directories. And XXXX XXXX matter that CFPB assisted me with a year or so past remains on my credit history as well.
This company XXXX. They have been removed form my other accounts but they are still showing on my equifax. I disputed with equifax because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with equifax and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report
We had an auto lease with Chase that has already ended. We returned the car and we were already expecting a bill which was related end of the lease fees. We had no problems with the bill since those were valid charges. The problem is : we received a letter ( from Chase ) in our mailbox on XX/XX/XXXX ( which was a Sat ). The letter dated XX/XX/XXXX. The letter stated that we could chose a payment plan, which I did when I immediately called their collections department on Mon XX/XX/XXXX. I made a payment of {$180.00} ( reference number XXXX on XX/XX/XXXX ) and I agreed to pay the other two payments on XX/XX/XXXX and XX/XX/XXXX. A week later, after agreeing on a payment plan, they call me on my cell phone saying that there was a balance due immediately. I questioned the representative asking if my account was notated, showing that I had selected to pay the balance in 3 installments ( one of them already charged ). they representative said yes. So I asked her to notate my account and not call me again since I would honor the terms of the payment plan. We are not even at the end of XX/XX/XXXX yet and I have already received another letter from Chase saying that a balance of {$370.00} id past due and that I have to send a payment and that they HAVE NOT RECEIVED THE PAYMENT YET ( which is false ). If they offer a payment plan they should not be harassing their customers with letters and phone calls requesting payment.
I am a victim of identity fraud, and I believe someone is trying to use my credit to gain illegally credibility. I've made the credit reporting agency aware of this, so they informed me that I should call the hard inquiries phone number that is display onto my credit file, that doesn't belong to me. They also sent out notification to all the hard inquiries that isn't mine three months straight to no avail. So I got on the phone and called Bank Of America and was held up on the phone for two hours, shuffled around to five different departments and still didn't get anywhere. I was told there was nothing they could do about it, and that it wasn't their problem. I did not request products or services from Bank Of America. This inquiry need to come off my credit file from Bank Of America.
On XXXX/XXXX/2016 sent a debt validation letter via certified mail and I never receive anything back from this company.
They levied my bank account, without notice. Took monies from my account an my XXXX old son 's account that is attached to my name due to he is a minor. I had payment plans of {$75.00} a month, they said when I called after attacking my bank account an my son 's that they had a problem deducting the {$75.00} which I find interesting considering they just depleting my accounts. They did n't notify me of this issue an stated my mom answered my phone and that it was n't my number anymore but did n't leave a message with her or my voice mail of the issue of taking {$75.00}. They financially devastated me, no monies to feed my kids, gas to go to work, caused checks written prior to funds being taking to bounce like my kids school pictures. I had to tell my son who worked hard all summer to have his own monie that this company took his money. They would n't stop the payment, I said " I had no problems making the {$75.00} '' XXXX XXXX stated at Columbia collections, " I had no problems with that payment either. '' I said I wanted to continue making payments, he stated I had to call him by XX/XX/XXXX. with a plan, I asked what plan, he said a plan or they would do it again. I stated I wanted to continue the payment plan, he stated again to call him by XX/XX/XXXX. They couldn ; 't of had a problem taking the {$75.00} a month. They had access to wipe me out!
AFTER REVIEWING MY CREDIT REPORT. I SEE I have a collection for a car that was repossessed. OnXX/XX/2015 contacted the company and ask for verification then againXX/XX/2015 After XXXXdays the proof was not provided In a timely matter which states it should be null and void.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX   account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX  account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately.

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
On XX/XX/2018 my computer was compromised from scammers that posed as XXXX Customer Service. They asked my assistant to install software to share a screen on my computer and from there, were in my computer, taking all of my files and logging onto my Chase.com bank account. They sent a wire transfer of {$21000.00} from my Chase business account to their account at XXXX XXXX and then onto XXXX XXXX XXXX XXXX I luckily caught the whole thing 20 minutes after it happened and immediately called Chase 's claims department to ask them to freeze the account and stop payment. They froze my account and filed a claim, but NEVER contacted the scammer/hacker 's receiving bank to tell them to reject payment. They simply filed a claim and never took further action. This was negligent. They should have taken further action and the wire could have been stopped since it was caught so quickly. I kept calling Chase to follow up about the situation and I was told that my claim was denied because " I benefited from the funds. '' Their claims department had noted that {$21000.00} was a fraudulent wire ( which it was ) AND that another wire that I do everything month for {$7200.00} was fraudulent ( but it wasn't fraud and I never said it was on my call - and they just accidentally included this in their claim report. ) When I called to show them the police report which I filed immediately and tell them the entire story they kept me waiting and waiting for weeks. I also told them that their claims department marked 2 wires as FRAUD, but only one was and that I needed them to only investigate and look into the {$21000.00} fraud wire to XXXX/XXXX  and to correct THEIR mistake immediately. I finally asked to be transferred to the highest office - the executive office and Mr. XXXX XXXX 's team. I explained the crime, that Chase was negligent and that my money should be insured and should have been returned back to me. They denied my claim again. I had to re-explain that their claims department marked TWO wire transfers as fraud when I was only referring to/asking for ONE to be marked as fraud. No one has gotten back to me. 

I have no reason to be making up this story. I have no debt, I make plenty of money per year and this entire ordeal is a waste of my time. I deserve my money back and Chase needs to get a way better claims department and procedure in place for wire scams. This is only going to continue to happen and banks need to act quickly.
See attached Cease and Desist # 1 letter which I sent on  XX/XX/XXXX . As of today, we have not yet received sufficient response to this letter. Also on  XX/XX/XXXX , I called SPS and spoke to  XXXX , OPERATOR  XXXX  and informed her that   XXXX   XXXX   is disputing the debt and requested for all the collateral file, including but not limited to ( completely filled out and signed documents ) Truth in Lending, HUD-1, Good Faith Estimate,   XXXX   typed and handwritten,   XXXX    Milestone Report, Loan Transaction History since origination,  XX/XX/XXXX  to present,   XXXX   XXXX   since  XXXX  to present and more. See attached letters of my conversation and list of documents.
 <P/> I  called again on  XX/XX/XXXX following up on my request and wanted to be sure that they were also including Truth-In-Lending, HUD-1. I also wanted some information about the Substitution of Trustee recorded on  XX/XX/XXXX . We were already questioning the validity of this in addition to the Assignment of Deed of Trust. There were too many irregularities and we needed time and the information, documents requested to review and hoping to answer a lot of our questions. Especially with regards to SPS validating the debt.   XXXX   XXXX   filed for Bankruptcy and his credit reports does not reflect full details of his loan with   XXXX   XXXX   XXXX  ,  XXXX  and other questionable issues.
I have been paying my loan off on time for the last 4 years with Lendmark Financial. My balance was {$170.00}. I processed my last payment online today and scheduled it for tomorrow. Due to issues I have heard about pay off practices with this lender, I decided to give them a call and confirm that all my obligations will be satisfied. I was then told that i will till owe money and that the amount listed is not what I actually own. 
I tried to speak with the manager and express concerns about irregular practice in which the information online and over the phone are not correct, and I was told that it is all in my loan docs! 
I have heard that a lot of other customers had the same issue with this lender and this is why I decided to submit my complaint.
On XX/XX/2018 I called Diversified Consultants regarding a collection on my Credit from XXXX. I asked the representative to send proof that the debt is mine and the representative stated she could send a copy of my bill. I told the representative that that is not proof. Representative argued that a bill is proof and that i would have to pay the balance to get removed. 42 days later I received a bill in the mail with charges but no actual validation of the debt. Called again and was given the same run around. I have no knowledge of the debt and the company is refusing to provide proof or to assist with removing inaccurate information.
A company named NMRC has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that XXXX  does not do business with XXXX and they only collect payments at XXXX.