WillisBack/dataset-financial-user-claim huggingface dataset:
I have a car loan with XXXX XXXX XXXX. Admittedly, on occasion, I am late on my payments, usually by no more than 2-5 days, maximum. On several occasions, I have received numerous calls attempting to collect the debt owed. I understand they have the right to call as collections, but excessively? Calling me 18 times in a day, while I 'm at work, is utterly unacceptable after being 1 day past due. This is harassment. On top of the harassment on my own phone line, they began calling my references. I also understand this is the purpose of a reference, however, when calling a reference and leaving a voicemail, in no way, shape, or form should voicemails be left that state, " Hello, this is so and so from XXXX XXXX XXXX calling to get in contact with XXXX XXXX regarding her auto loan with us. Please have her return our call or make a payment at her earliest convenience. Thank you. '' These are REFERENCES, not consigners!! It is against the law for them to inform anyone not financially responsible on this loan that I have an account with them, let alone that I am late on my payment. 
Once again, this is illegal. The media will be contacted to advise of these unethical and malicious collection practices to steer everyone away from using this company. 
This has caused extreme emotional distress on my part as I am constantly concerned about how they will depict my image to my references when they 're spilling all of the details of my payments. I am a human. We have all been late on something before, and we have all struggled at one point or another. Why would they want to smear the image of a customer?
I feel sufficient compensation for this extreme inconvenience and horrible practices would be to forgive one loan payment. 
Once again, I will take every method possible to expose this company for these malicious practices to steer anyone from doing business with them if they do not find a way to rectify the stress they have put me under.
Back in 2001 I tried to put my payment back on deferment due to not working and XXXX would not help me get a job in the field that I graduated for. I believe it's because I was one of many students that was XXXX XXXX  by one of XXXX instructors named XXXX. Since then whwn I ask for paper work to lower my payment they say they send it out but I never get it. 
Now they just take my income takes. 
I have called XXXX to see if we can come up with an agreement they tell me to call Sallie Mae.
XXXX XX/XX/XXXX. I closed on my new home the mortgage company was XXXX XXXX. I made my first payment to XXXX XXXX and then the loan was immediately sold to Mr. Cooper ( XXXX XXXX ). I proceeded to make each payment to Mr. Cooper and they have records to show each payment. 

Around XXXX XX/XX/XXXX, started receiving late payment notices from Mr. Cooper. I call Mr. Cooper several time to resolve this each time getting a different person and having to start from the beginning. 

One customer service person did try to stick with me and fix the problem because like every person that I spoke to at Mr. Cooper they said this made to sense. 

She figure out that Mr. Cooper didn't receive the first payment from XXXX XXXX  and that they need to get those funds transferred. XXXX finally sent the Principal but not the escrow. Mr. Cooper knows that the problem is between them and the company that they bought the loan from, but they still threatens me with foreclosure. messed up my credit and will not take my payment for the month of XXXX without penalizing me with fees. 

I don't appreciate they way that they are treating me, they know it not my fault. This is the 3rd home that I have owned and never has been late on my Mortgage, And even now I feel that I am being extorted for extra cash, because they don't have to answer to nobody and they know the fault is withe Mr. Cooper and XXXX XXXX.
First mortgage with XXXX is current. 
BB+T is forcloseing on a HELOC, and I have prodigy reality representing me at this time. 
Bb+ t has a value of {$310000.00}, after over XXXX showings, no one is coming to the minimum threshold sale price of {$300000.00}. 

I would respectfully request bb+ t, to order an independent appraisal, and based on the results, potentially lower net amount amount bb+ t will accept, or modify my our HELOC. 
It was never our intention to loose our home. We love living here. 

XXXX Is our mitigation specialist. Cell XXXX. XXXX, Florida XXXX
When I was going to get gas I swiped my card and come to find out that it was denied. I then checked my phone and found it was put on hold. I called Rushcard only to find out that the option to speak to someone was no longer there. They changed their automated system did not send out an email about it and now there 's no way for me to talk to a customer service representative now. I tried writing their ticket department and told them that my card was put on hold. They took a day and a half to respond and then told me they looked into it and found that it was on hold and told me to call their customer service line that has absolutely no way for me to talk to an actual person. That is why I am filing this complaint
Dear Consumer Financial Protection Bureau : Re : Complaint about the XXXX XXXX MA Plate VIN XXXX purchased on from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX. Under the contract with Wells Fargo Dealer Services XXXX Wells Fargo Auto Finance XXXX XXXX XXXX XXXX XXXX, AZ XXXX Wells Fargo Dealer Services XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Customer loan number XXXX I am writing regarding the purchase of the XXXX XXXX XXXX and bring to your attention following issues : Engine Problems the engine heats up too fast Transmission Problem I change twice already Air Brake System and brake problems is a hazard to drive it around Non- stop skid or sound with the rear shocks and completely muffler come out I telephoned your dealership and spoke to XXXX XXXX the owner several times they did not pay attention to me after several times that I was bothering them I also spoke to some salesman at the dealership. 

They advised insert main points from the phone conversations To resolve this problem, I already ask them for the following options : full mechanical inspection and any issues repaired which never happen exchange with car of same value, never happen neither and I dont want it to happen neither their cars all of them if not most of them are bad theyll buy mostly from auto auctions and most people know what that means instead of XXXX they used XXXX XXXX which is really bad no real responsible dealerships will used that XXXX XXXX they will used XXXX because they know thats the only car history that shows up everything. 
However none of that happen so now I want the following issues to proceed : I want either the bank or XXXX XXXX XXXXs to reduce my loan to XXXX dollars I still own {$7500.00} or to XXXX to give me a Certified Bank Check of {$5000.00} dollars to pay my loan or otherwise I will sue them XXXX and the bank if its necessary cause I fall under the lemon law I bought the car on XX/XX/XXXX and they report the accident to XXXX on XX/XX/XXXX of a problem of an accident that had happen on XX/XX/XXXX. 
They never let me know and I was not under the Caveat Emptor or as better known as buyer beware. If not I will sue them as my right to do. I have all the proof necessary to prove them wrong. I want what I am asking for in a period of one month from today. Is not about the money is about safety for me and other drivers because I dont feel safe anymore is too many issues one behind another and is due because of the accident. 






I also ask that you reimburse my travel costs that were incurred as a result of faults, an invoice attached. 

Please contact me at ( XXXX ) XXXX or XXXX where possible to discuss the issues. If you try to contact me I already did a XXXX XXXX XXXX XXXX to lodge a complaint just because no attention was giving to me before. 
PD : Here is a complete link of people complaining on XXXX and XXXX they never lie ; However, XXXX reviews they somewhat lie because they could pay people to do them. 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yours sincerely , XXXX XXXX XXXX
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX CARD XXXX, XXXX XXXX , XXXX XXXX  XXXX  XXXX XXXX Please eradicate the accounts mentioned..I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a CBCS # XXXX There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant
I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus Experion, XXXX, and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX
ASCENDIUM EDUCATION / XXXX XXXX XXXX WENT ON MY XXXX AND RUINED MY SCORE FROM ''XXXX  '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... .. 

CURRENT LANDER IS ''XXXX  '' XXXX XXXX..
Clarity Services has pulled hard inquiries for multiple payday loans, for numerous companies without my knowledge or authorization. I am in a Chapter XXXX bankruptcy, so I am constantly checking my credit reports for things like this. I disputed this with Clarity directly, as well as XXXX. Clarity has responded by requesting a copy of my drivers license, SSN, DOB and address, along with the names of the payday companies. This info was originally submitted to them with my dispute, minus my SSN. I have read horrible reviews about this company and am very hesitant to supply the additional info they 've requested.
In my previous complaint Equifax states " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX XXXX and/or XXXX XXXX XXXX are not reporting on the Equifax credit file. Written confirmation has been mailed to you. " This is not true as of XXXX/XXXX/2016 as the item still is being reported on my equifax credit file per the attached screenshot of my Equifax credit report. 

Their original statements do not match their action.
I leased a vehicle from PRIORITY TOYOTA in XXXX XXXX when I lived in that state in XX/XX/2015. When I originally got the vehicle they told me that my payment amount would be XXXX and some change. At that same time my ex leased a vehicle also and needed a cosigner and they had asked me to co sign on the loan for him. At that time I was only making about 28000 a year and somehow I was approved for 2 auto loans equaling out to over 50k?  With that being said I remember the dealership acting kind of off about my income and I think they falsified my information. Anyways, I was making the payments on my vehicle and I decided to move back to XXXX where I am from because things did not work out with my ex and I. within 2 months my payment raised to XXXX and I was not notified about it at all. When they did that I had not found a job yet and so I got a little behind on payments but when I did finally find a job I went back to making the standard XXXX. payment because that's what I thought it was the whole time and now almost 2 years later I have been playing catch-up with them because they raised my payment, keep charging me fees, and there's some miscellaneous fees on there totaling over 300 dollars. Also, within this time my ex decided not to make payments on his vehicle so I now have that on my credit report as a charged off because of the whole situation. I have called TOYOTA FINANCIAL several times to try and resolve this and they were just rude and blew it off. I now have a XXXX month old baby and am a single mom and my car payment and me trying to catch up is just WAYYYY to much for me. So I am hoping with filing this complaint SOMETHING can get resolved because I feel like that dealership completely took advantage of a young girl.
Zions Bank charged off an overdraft account back in XXXX and we got letters from the IRS that we owe the taxes on this amount. We also have XXXX XXXX XXXX trying to collect this same amount, that has been charged off and again the IRS is sending us statements we owe taxes on this " charged off '' amount. 
I have challenged this credit on my credit report and XXXX XXXX XXXX will not remove it. 
The charge off was back in XXXX, XXXX. opened the file on XX/XX/XXXX. 
So how can Zions bank charge it off, get a tax credit in XXXX and then sell the debt in XXXX? Seems illegal! 
Why do I have to pay taxes on this amount and also be expected to pay the debt as well? 
I have never seen or heard of this and I want it removed from my credit report immediately!
On XX/XX/2018 I wrote a letter addressed to the Bureaus to have these accounts removed from my credit because they are fraudulent. Ive made several phone calls and they still have not removed the accounts from my report. Please assist me with removing these fraudulent accounts from my report. I have already submitted to them that I was a victim of identity theft and i provide the identity theft report and these items are still on my report. Please assist me.
Earlier this month I refinanced a home mortgage. The servicing of that loan was immediately transferred. This evening I received a pre-recorded phone call on my home land line that purported to be from my new mortgage servicer. The message used my name and my spouse 's name. It asked that the recipient press a number if he was one of those people. I followed the prompt. I was then asked to key in my zip code. It struck me as suspicious that a message from a bank would ask for any personally identifying information, so I did not provide my zip code. I remained on the line to hear any additional information or find out if I could speak to a live representative. I was then given the option of " taking a message, '' which I selected. The message instructed me to call a toll-free number by XXXX XXXX and to give a " personal message code, '' but did not state why. I hung up and called my bank directly for more information. My bank 's fraud department did not recognize the number that called me or the phone number I was instructed to call.
Citi Management group has sent me a letter and called and threaten to send me to jail if I did n't pay ... .they sent me a letter of debt. but sent me a deferent person letter ... .I brought this to there attention and they resent me the same letter but just change the name 's. The account number stayed the same and the address from NC. now they are calling me from deferent number threaten me to pay this or it will be turn over to the court and I will have legal matters. And I explain to then the I would like to take care of this issue but all the information is in correct ... My last conversation the man told me he was sending a letter to my payroll department and collect from them ... and then this guy XXXX call back and told me that i was n't going scheme out of this and just hung up on me ... please help..
These debts are at a XXXX balance and the other medical bills I have on my credit is due to having insurance since XX/XX/2014 that is still on my credit report and I would like these removed I do not owe these Medical bills due to none payment from the insurance company.
I would like to file a complaint against XXXX XXXX XXXX in Colorado for a medical collections debt first reported XX/XX/2016 and by extension BC SERVICES as the collection agency - my goal being to dispute the bill and get it removed from my XXXX  credit report ( the only one it even shows up on ). I did not learn of this debt until fairly recently and I have never received communication or contact of any kind by the parties mentioned above before learning about the debt essentially by accident. I was not informed of the bill, am not convinced it is even accurate or related to me. Even if it was proven so, I was not given the proper resources to pay for it and avoid this whole predicament. I hereby state NO CONTRACT/CONTRACT CANCELED and file this formal complaint against XXXX XXXX XXXX ( who is the original creditor ) and by extension BC SERVICES ( who is the current creditor ) in the hopes the error is rectified and the bill is removed from my credit report so I can move on financially.
wellsfargo.com official website publicly advertised the bonus of {$200.00} with checking account opening and qualified activities around XX/XX/XXXX. On XX/XX/XXXXI opened the account following the link at wellfargo.com and did all the required activities ( direct deposits ). 
Application Reference number : XXXX I haven't received the bonus after I met all the requirements ( direct depsits ). 

I contacted Wells Fargo and was told that their public offers don't mean to the public, which is absurd interpretation. I typed my zip code on wellsfargo.com and it told me I am eligible for the bonus based on my zip code. They are violating the customer agreement/contract. 

Thank you for looking into this. 

I need my {$200.00}.
XXXX XXXX XXXX XXXX ( XXXX XXXX is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX XXXX. I mailed a certified letter to XXXX on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, XXXX responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that XXXX is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to XXXX advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. XXXX has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. Equifax, XXXX and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.
I am a victim of Mortgage Loan Fraud at the hands of Countrywide Home loans as lender and Bank of America as Servicer. Bank of America is guilty of trying to steal my home via a home loan modification. They have broken XXXX Federal laws under RESPA Servicing Rules under RESPA XXXX and Prohibiting Unfair, Deceptive or Abusive Acts or Practices XXXX and Loss Mitigation Procedures, Deficient Acknowledgment XXXX XXXX XXXX XXXX. Instead of acknowledging my request for help, they fraudulently and unlawfully obtained a summary judgment through XXXX XXXX, FL Court to get a sale date on my home. The sale date was cancelled, however, the summary judgment still stands. Through my own research, I have also discovered that Bank of America is guilty of Fraud, Fraudulent Misrepresentation, and Misconduct. The purported assignment of mortgage which was executed three ( 3 ) years after I purchased the " property '', and six ( 6 ) years after the Bank XXXX as Trustee for the Certificate Holder 's XXXX, XXXX XXXX XXXX Certificates, XXXX XXXX trust was closed. This is a violation of the Pooling and Servicing Agreement as by law the securitization process of the " note '' must be completed within 90 days and before the trust closes. " Borrowers have standing to challenge void assignments of their loans, even if they were not a party to or a beneficiary of the assignment affecting real estate contracts ''. XXXX v Bank of America, XXXX al. 
The notary ( XXXX XXXX XXXX XXXX signature on this assignment is forged ( robo-signed ) which is a felony and renders the assignment of mortgage invalid with a clear break in the chain of title. My injuries are a direct result of the invalid mortgage assignment which also renders the loan modification agreement between myself and Bank of America dated XXXX XXXX, 2012 void. There was no " loan '' to modify in the first place. According to Title XLI XXXX, Fraudulent loans are void. 
Bank of America is also guilty of criminal deception by executing a purported mortgage assignment that is in fact invalid and always was invalid and recorded such with the Florida XXXX XXXX XXXX on XXXX XXXX, 2012. According to Florida Statute XXXX XXXX XXXX XXXX it is ' Unlawful to file false documents or records against real or personal property '.
I financed a loan through Santander in the amount of  XXXX . I have made  XXXX  in payments toward my loan, I request a payoff quote and much to my surprise I still owe more on my loan than the amount I financed. i have asked  Santander  to issue credits toward the principle and they refuse to do anything
Hi I recently opened a new CreditCard with XXXX ( its an XXXX card ) and received a letter from XXXX 's stating that I can get my free credit report within 60 days from Experian. This letter contains a phone number ( XXXX XXXX XXXX ) from where I can get my XXXX free ) credit-report on which this card was based. I tried calling this number and didnt find any option for my case, as a result my call gets terminated and there is no option to talk with an agent. This is so frustrating and completely against Fair Credit Reporting Act that I can not get a copy of my credit report, can you please help with this. 

thanks XXXX