WillisBack/dataset-financial-user-claim huggingface dataset:
My current lender is PHH mortgage. I am trying to refinance into a lower interest rate and lower monthly payment through XXXX mortgage. I am recently discharged from Chapter 13 bankruptcy. I am attempting to get my statement from PHH but they are refusing, They are telling me that the discharge of bankruptcy from the court is not enough. They claim they need a " termination '' of bankruptcy from the court. When I spoke to the BK department of PHH, they refused to give me the employee numbers. When I attempted to call the New Jersey office, I was transferred to XXXX to speak with XXXX who again would not give me an employee number and then he transferred me back to NJ, twice, where they hung up on me each time. These events all transpired between XXXX and XXXX on XX/XX/2016. I am just trying to get me statement from my current lender in order to refinance.
I have a freeze on my experian credit file. I am been trying to temporarily lift this freeze but experian is being very obtuse about it. When I try to enter my PIN, it doesn't recognize it. When I try to get a new PIN, it asks me to verify my identity, which I do succesfully, but then it locks me out and tells me to contact experian via mail. It does the same thing when I try to access my credit report after credit denial. I have mailed and faxed my request but no one has responded. All phone numbers for experian are circular IVR systems designed to drive you mad. I wish this horrible company would die and go out of business.
XXXX bank placed an inquiry on my Experian report, after XXXX sent them over my information which they got in error ; based on misleading information and advertisements practices. However, when I connected XXXX bank questioning the inquiry, they first told me and sent me an email stating they do n't know and do n't see that they ever pulled my credit or who it is from. Even after XXXX advised them of the error that occurred and asked them in writing to get it removed masked and deleted they still kept the inquiry on my report despite several phone calls and emails I myself placed to them which they ignored and disconnected.
I am being charged for a XXXX phone account I did not open or my information was used to do so. I can not recall my approval to use or release my information
XX/XX/XXXXCFPB, When trying to buy my first home I was denied by USDA for the reason of a charge off and closed account by Santander Consumer USA. 
Years ago I thought my mother and I had paid off our car loan of {$24000.00} with Santander Consumer USA but according to XXXX we still owed {$6700.00} in late charges and interest. At the time my mother and I were confused how this could be but still wanted to work with Santander Consumer USA and pay what we owed. We asked Santander if we could make payment arrangements and was told by Santander Consumer USA that the loan had reached its term and we could not make payment arrangements so we had no choice but to let them take the car and sell it. Next thing we knew Santander showed up on our credit report as a charged off closed account. Never less that 's not what 's most important to me but what is important to me is what Santander Consumer USA did to my XXXX year old mom. In the last 12 months of our loan with Santander Consumer USA, they proceeded to harass my XXXX year old mother by calling her every day, every hour of the day to the point of breakdown and tears. I remember my XXXX year old mother calling all of her children many times saying that she is unplugging her phone for the rest of the day for Santander consumer USA would not stop calling her with the mean, swearing, intimidating and threatening words and she was too ill to fight back. I was so upset with Santander for doing this to my mother that I pleaded with them many times to leave her alone and just call me sense I was the cosigner on this loan, so they did start calling me at my work every hour for weeks & months but what angers me the most is that Santander consumer USA never stopped calling my XXXX year old mother until her death XX/XX/XXXX. For what? Late charges ... .. My mother and I would have never defaulted on this loan and is why we paid six years on this loan and still Santander Consumer USA would not work with us. 
When being denied this week for my first home loan for reasons be on my control it brought back horrible haunting memories of the past with Santander Consumer USA. I would like justice for my mother, XXXX XXXX XXXX who now rest in peace. 

Thank you,
NMAC financed an auto-loan XXXX XXXX, 2015. While signing, the dealership switched cars ( " switcheroo '' ) giving us a similar looking vehicle lower value. The Federal Price Label ( " sticker '' ) of the the car we test drove was {$20000.00}. The sticker of the car delivered is {$17000.00}, leaving a disparity of {$2900.00}. I am in communication NMAC in an effort to recover the difference from the dealership, who has admitted to " overcharging '' {$1200.00} but refuses to refund any money until I sign a waiver not to sue. The loan was financed at 12.14 %, which is higher than the 5 % promised with our {$2500.00} down-payment. NMAC informed me that I could have negotiated on that interest rate and that dealerships add to the rate for a " kickback. '' At this point I am seeking to discover the nature the loan application as the dealership used personal identities, i.e. ; name, social security number, date of birth, etc. to intentionally misrepresent the amount of the loan. I am in the process of refinancing the car with my credit union with an offer to borrow {$15000.00} ( XXXX % loan-to-value ) at 5.4 % ( $ XXXX/mo. vs. $ XXXX/mo. ) The pay-off amount of the car is {$17000.00} leaving a difference of {$2400.00} ( down-payment amount of which dealership is holding {$1200.00} ) which I have to secure personal loan to finalize. I cancelled the addendum Ext. Warranty and GAP insurance policies ( of which the dealership never submitted the contracts to third-party providers ) in an effort to lower the principal for refinance. NMAC declined to share any responsibility as they dictate dealership policy even though when a felonious act is reported and they are collecting interest on the " unlawful '' debt, they to are benefiting. I am currently drafting a letter to request the specific details surrounding the submission of my ( and my wife 's ) personal information upon which approval was granted. All of this effort ( filing complaints ) is my arbitration process as my family is on a strict budget and at this rate can not sustain any over-age, especially that which is created by a abusive predatory loan. I was an unsophisticated buyer who acted in good-faith ( {$2500.00} down-payment ) who purchased a bad-faith " pig in a polk. '' That is to say that I have to take every avenue before consulting an attorney at upward $ XXXX/hr.
All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as 1 inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..
I advised this company that the landlord under Texas law has failed to provide what is required by law. If the landlord has failed to either provide me with the security deposit or an itemized list of deductions within thirty days from moving out, the law may allow me to collect {$100.00}, three times the amount of the security deposit wrongly withheld, court costs, and attorney 's fees. If the landlord improperly made deductions from the deposit I will also have the opportunity to obtain the same damages and penalties. Section 92.109, Texas Property Code. Here the landlord has acted in bad faith, and therefore the landlord by law can not make any deductions to the deposit whether or not I damaged the premises. Section 92.109 ( b ), Texas Property Code. Additionally, I will be filing a lawsuit against this credit collection company tactics to immediately report a debt to all three credit bureaus for a debt I do not owe and their communication tactics and constant harassment.
I just recently started monitoring my credit when I noticed tha t Portfolio Recovery is   on my report several times. I had no knowledge of any of these debts, nor did I receive anything from them in writing until after I disputed with the credit bureaus and asked them to send me the documentation that validates this debt. Neither the bureaus or the collection agency have validated these debts ; however, they refused to remove them. They have  XXXX  different accounts on my report that they have failed to validate.
On XX/XX/XXXX I opened a Huntington 5 checking account in the XXXX branch in person. I emailed my coupon code to the banker for a {$200.00} checking bonus. XXXX XXXX : XXXX You were required to make cumulative deposit of {$1000.00} w/in the first 60 days. I made the {$1000.00} deposit at opening to satisfy the conditions of the bonus. The {$200.00} was to be deposited within 14 days after the account was open for 90 days ( XXXX XXXX ). XX/XX/XXXX is 104 days after opening and I have not received my bonus. I contacted the customer service line for Huntington and was told to contact the branch. I contacted the branch and have not received a contact back from the banker who opened my account as of the time of writing.
I FILED BANKRUPTCY IN XXXX 2011 AND INCLUDED MY XXXX XXXX XXXX XXXX # XXXX, BUT I DID NOT REAFFIRM. I HAVE NEVER MISSED A PAYMENT BEFORE OF AFTER MY BANKRUPTCY AND I WANT THIS STATUS REPORTED TO CRA.
I 've notified them several times that I 'm a veteran and I did go to a va hospital. They reported an illegal transaction on my credit report that I 'm 1 month late as a charged off account. The original date is back from 2010. They re-aged the date on my account in an attempt to prolong the time frame to collect which is illegal and unethical.
In XXXX of XXXX we filed for chapter XXXX to stop foreclosure and the sale of our home. We received a Notice of Recission stating that the foreclosure and sale of our property had been reversed. We applied for a modification of mortgage through Ocwen XXXX XXXX XXXX and it was approved.Nothing was sent to the the XXXX XXXX County Recorders office to notify them that the property reverted back to us. In short, we do not exist on this property and the Grant Deed remained in possession of the Mortgage holder. The Trust account is being held by XXXX XXXX of behalf of XXXX. I would like this resolved as soon as possible. 
I am being told by Ocwen that they can not help me and that I am to contact XXXX XXXX. I contacted XXXX XXXX and I was told that Ocwen needs to resolve the Grant Deed issue with the County Recorders Office. 
They keep bouncing me back and forth between departments. I have contacted Ocwen Loan Servicing numerous times and asked them to take care of this matter. This all stems from getting approval from XXXX XXXX ( XXXX XXXX XXXX ) for the funding of artificial turf, through our property taxes. The work was done after XXXX XXXX approved the funding in XXXX XXXX. I just now found out that there is an issue with us being the owners. I signed the official documents and sent them back to XXXX XXXX and the installation process was done and completed.
Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with XXXX credit Bureaus Transunion, XXXX and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my Transunion report which made it seem like I had XXXX past due accounts instead of just XXXX. Transunion reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as Transuion but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from XXXX bureaus as they are inaccurate
Once we open a case with you in XX/XX/XXXX regarding over {$5000.00} in funds in escrow account, Ocwen Loan Servicing has stop accepting our ( P & I ) payments from them. I have been talking to an escalation manager at Ocwen whose name is XXXX XXXX ID # XXXX ). I have also faxed documentation to Ocwen Research dept, per XXXX suggestion. XXXX confirm receipt of documentation. My question to you is if I am able to prove that Ocwen failed to pay my taxes & insurance on this loan which " I THINK '' is a violation of RESPA laws, can I recover my attorney fees from Ocwen if I have to hire an attorney to resolve this issue. Payments that were not made happen in XXXX which was the year our XXXX XXXX bankruptcy was confirmed. Discharge of bankruptcy was XXXX XXXX. Please advise if recovery of legal fees in a private lawsuit is applicable per RESPA laws. Recently, every 2 weeks we receive a call from XXXX saying they need more time. I think the recent refusal to accept payments is to trigger foreclosure on this property. As of today 's date XXXX XXXX XXXX, they have returned 2 payments ( P & I ). Also this year I was paying home owner 's insurance quarterly ( XXXX XXXX ) and Ocwen paid the insurance for the first time since XXXX. XXXX XXXX sent me a check back after Ocwen submitted payment. We pay our taxes quarterly so maybe they will send in the taxes for this year also.
I have several negative reports including XXXX XXXX card and other issued credit cards that are not mine. I have never owned or been issued a credit card of any kind except from XXXX department store. - Also my s.s card and i.d . Were stolen a few years back and was told that last year my taxes were filed in California where I do not know anyone who lives there that I am in contact with and was unable to get my taxes back until the end of the year because of the issue. My identity has been compromised and my credit is below poor because of these negative things. Also I have a legitimate bad report from sprint. Those are the only things on my report that are mine and I need this taken care of as soon as possible so that I can start rebuilding my name.
On XXXX XXXX, 2017 a loan of {$400.00} was established. The interest rate being 347.69 % with a finance charge being {$57.00}. Within a week, XXXX XXXX XXXX contacted me about the way Advance America conducts their payday loans. Upon further investigation, I was able to ascertain the basis that Advance America was in fact violating the Indiana Statue governing the way payday loan companies are to conduct themselves. The maximum finance rate and fees allowed by Indiana law on a loan of {$400.00} is 13 %. This is not the case in the existing loan. The rates in this loan are beyond 13 % which if that is true, it 's more than the maximum finance rates and fees allowed in the State of Indiana Statute 24-4-4.5-7-101 et seq. Advance America is committing fraud which is unethical and has chose to violate the Indiana rules of law are required for payday loans to abide by. This action is the intended action the Indiana Statute is intended to avoid.
I sent a debt validation letter approximately 30 days prior to receiving a response via USPS from XXXX XXXX. 

They claim I owe a debt to XXXX for {$470.00} In response to my debt validation letter, they responded with a copy of a past due bill from XXXX. 

This information is incorrect. I waited until my time period has expired for the early termination fee and confirmed this with XXXX. In addition, all bills were paid and nothing was due. 

This was removed from my credit report before when a different company was reporting it and now it 's coming back around again when it 's invalid.
I worked for XXXX XXXX for 14 years ( XX/XX/XXXX-XX/XX/XXXX ). I used my Bank of American/XXXX XXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Bank of America. 
If it was a personal charge, I paid for it personally. 
In XX/XX/XXXX and for the previous 3 years, I was the XXXX of XXXX for XXXX. 
XX/XX/XXXX, the company was forced to close due to XXXX of the partners actions. 
Bank of America filed a lawsuit against XXXX for charges made to my Bank of America card. These charges that were made BY XXXX. XXXX was not able to pay the charges at that time. Bank of America then came after me personally - almost 4 years later and they slapped me with charges of approx $ XXXX plus fees I continued to pay my personal charges monthly until XX/XX/XXXX, when they did this and would not budge. 
I called and emailed and talked with Bank of America, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years and I need help XXXX had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help me.
I was contacted on the telephone by an agent from XXXX XXXX XXXX in XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at CASH CENTRAL. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all three agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.
I previously submitted a complaint on worth finance for inaccuracy reporting and they responded back stating that they are reporting in compliance with fcra laws. My credit report is still inaccurate and is reflecting as a recent charge off with late pays being reported after the account was closed and charged off. I attached a picture of my current report showing the inaccuracy that they verified was correct and below is their response to my initial complaint. 

Worth finance said : Explanation of closure Worth Finance Corp ( WFC ) Statement : WFC has provided a redacted Account Reporting Review ( ARR ) Which shows the accuracy in our Credit Reporting regarding XXXX claims. WFC has provided redacted CDV from about XX/XX/XXXX which shows Accuracy in our Credit Reporting. Noting that our First Date of Delinquency shows as XX/XX/XXXX which show favor to XXXX. WFC has verified coding to CRA that show " Completed Investigation of FCRA Dispute- Consumer Disagrees '' XXXX ( XXXX ) opened a New Loan with Worth Finance Corp ( WFC ) on XX/XX/XXXX XXXX terms were 12 monthly payments, 1st payment due XX/XX/XXXX, her pay record is as follows ; XXXX made her first payment on XX/XX/XXXX, the payment covered her XX/XX/XXXX and XX/XX/XXXX payments with remaining applied to Payment due on XX/XX/XXXX. 
XXXX next paid on XX/XX/XXXX ; proceeds from payment along with credited overpayment on XX/XX/XXXX paid her XX/XX/XXXX payment due, however she remained past due for XX/XX/XXXX and XXXX. WFC Charged off her Balance on XX/XX/XXXX. XXXX First Date of Delinquency would be XX/XX/XXXX because although XX/XX/XXXX made and additional payment on XX/XX/XXXX, she never brought the Balance out of Delinquency since XX/XX/XXXX ( First Date of Delinquency ). 
On or about XX/XX/XXXX XXXX sent in a Consumer Dispute Verification ( CDV ) to XXXX stating " This account is inaccurate charge off accounts can only update status as per fcra and it is reporting late payment history on a 4 year old charge off please delete '' WFC investigated the CDV and upheld it per Fair Credit Reporting Act.
XXXX XXXX XXXX XXXX continues to report the status of my account incorrectly after months of my asking them to correct. In fact, they have now started reporting the status more incorrectly. Please see the attached letter on XX/XX/XXXX and XX/XX/XXXX to XXXX. 

Thank You!! 

XXXX XXXX XXXX /Users/XXXX/Documents/XXXX : XXXX Pay Off.doc
They are reporting XXXX accounts XXXX and XXXX I do n't not owe them a dime. I paid XXXX to original creditor XXXX XXXX XXXX XXXX XXXX paid in full. They do n't not have the right to report it to the credit bureaus as they do not own the accounts they are a third party. It 's only suppose to be XXXX account and they did duplicate accounts. I talk to XXXX XXXX XXXX paid them XXXX and verified there was only XXXX account. They are reporting inaccurate information to my credit bureaus. I do not owe them a dime I paid home shopping net in full XXXX!!
I did not apply for a pay day loan. I was defrauded at the XXXX banking instution and closed my accounts due to this non stop fraudulent activity. I was alerted by the credit karma that there was a new item on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX # XXXX is reporting a collection for Money Key # XXXX. I have also been contacted by XXXX XXXX with XXXX XXXX XXXX XXXX stating I owe this money regardless they have the wrong mailing address etc, I asked for tangible documents to be sent to me to file a complaint and he hung up on me. I then contacted XXXX XXXX and spoke with XXXX who stated that they outsourced the collections to XXXX XXXX and that I should ask for a supervisor. I dispute the validity of this collection item and want it closed and removed from my credit files.
Get multiple daily calls from Portfolio Recovery for debt that I dont owe. Have asked repeatedly to stop calling.
I have inquiries that were previously deleted that have now showed back up on my credit report for the following companies due to an error. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX jeep XXXX/XXXX/XXXX. These showed back up on my credit report with no prior notice as required according to FCRA. Please have these removed from my credit report as they were previously. 

Thank You