WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted today from an agency that threatened to press criminal charges against me for an auto loan that was included in a bankruptcy that I filed in XX/XX/XXXX. The call came from XXXX, and when I called them back, the automatic answering system announced the company as XXXX XXXX XXXX. 

I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX. They found me financing through United Acceptance. In XX/XX/XXXX, I allowed the car to get repossessed because it had too many problems for my to fix. XXXX XXXX had my current address at the time, and one of the neighbors told me that they saw a tow truck marked " not for hire '' tow it from my driveway. In XX/XX/XXXX, I filed a chapter XXXX bankruptcy, with XXXX. XXXX as the law firm. This debt was included in the bankruptcy and, while speaking with this law firm today, they assured me that this loan is included in that chapter XXXX. They recommended that I file a complaint with the appropriate government agency, which is this one. 

However, the company that called me today was insistent that this debt had dropped off the bankruptcy, and was now eligible for criminal proceedings. The man I talked to said that they were going to charge me with " intent to defraud a financial institution '' and one other charge that I couldn't quite get the gist of. He also mentioned felony theft. I called back a second time, after speaking with the chapter XXXX attorney, to speak with them again, and asked what specifically the charges were going to be, and they said that I would set that in the summons. This also sounded odd because, as I understand it, a summons won't be issued for a " felony theft '' crime. A warrant will be issued, and an officer will come to my house or work to take me to jail.
XX/XX/XXXX-took {$250.00} title loan on XXXX XXXX XXXX XXXX. XX/XX/XXXX made {$120.00} payment. On XX/XX/XXXX. Took another {$250.00} additional. Balance {$370.00}. XX/XX/XXXX. Made {$100.00} payment. XX/XX/XXXX extradited to Colorado on old warrant. Unable to make payment. XX/XX/XXXX husband went to XXXX XXXX XXXX. Attempted to make a {$200.00} payment for me. They did not accept it. Said I was the only one that could make a payment. XX/XX/XXXX. Harrassment begins. The tow driver assaulted my husband. While trying to repo my vehicle. The tow driver then began to contact my family my husband 's family and all of our friends. Stating they were the XXXX police and that I was wanted for felony Grand theft. And that I assaulted the 6'5 '' 290-320lb tow driver. I 'm 100 pounds soaking wet. I ca n't get thru to anyone to clear the matter up. Now when I check my account balance. It 's reads no debt owed. Yet I have no title to my vehicle.
I have been trying for a modification for the last 2 years. I was denied for not enough income so i got another job. Now I was denied a loan modification because they claim they could not verify that i live in my house ... i gave them utility bills, drivers liscense and pay check stubs ... i did an appeal and my appeal was denied. Now they have put my house up for auction on XX/XX/2016. I do not know what else to do ... PLEASE HELP ME KEEP MY HOME!!!!!
I have a XXXX lien of my primary residence with an Equity line of credit with Bank Of America that is more than my primary residence mortgage with XXXX. I have asked Bank of America to please help us do a XXXX lien modification on the Equity Line because we are retired and on a fixed income and they have denied us for ANY help with reducing the payment to something we can afford. We have been paying the interest every month Which is about {$220.00}, but they charge us that much in interest every month. The payments are over {$800.00} per month but we have only been paying the interest, we are not behind. We do n't qualify for HARP to refinance XXXX mortgages into XXXX because our XXXX Mortgage with XXXX was originated after XX/XX/XXXX. Bank of America claims there is nothing they can do an our only options are short sale, deed in lieu or Foreclosure but we have lived in our home since XX/XX/XXXX.
I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Ord er The following credit inquiries are related to none of the aforementioned permissible COMPASS BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  COMPASS  BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank COMPASS BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank
This is the second complain about statute of limitation.

XXXX I Submitted a complaints to the Consumer Financial Protection Bureau on XX/XX/XXXX WELLS FARGO CARD SERVICE and XXXX   Credit report XX/XX/XXXX and WELLS FARGO CARD SERVICE have last payment as XX/XX/XXXX WELLS FARGO CARD SERVICE Balance : {$160.00} From XX/XX/XXXX to XX/XX/XXXX is five years. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible WELLS FARGO bank is trying to collect a debt which the statue of limitations in Florida have expired.

XXXX on XX/XX/XXXX verified as accurate and undated.

How can they Wells Fargo balance when it been over 5 years?

XXXX on XX/XX/XXXX credit report also show balance
opened on XX/XX/2018. credit report shows I owe {$120.00}. did not receive proper notification of this collection.
A previous defaulted Perkins loan due to Texas XXXX XXXX XXXX University is still being reported as in collections as of XXXX despite it having being paid off via a student loan consolidation taken out in XXXX. I disputed this early this month and the result shows an alleged updating but it is still in collections. I have separately contacted the creditor XXXX XXXX via their chat function, they have confirmed that the debt is paid.
My mortgage loan was sold to NationStar XXXX 2016. XXXX XXXX I mailed my payment to address given indicating my new loan #. Around XXXX XXXX, I received a statement/remittance from them. The check I mailed on XXXX XXXX was not posted to my account until XXXX/XXXX/16. Then XXXX XXXX, I mailed my XXXX payment. On XXXX XXXX, I received their statement/remittance. On XXXX XXXX, I received a call from NationStar letting me know they had not received by my payment, I informed them that I had mailed my payment on XXXX XXXX. They said I should allow 14 days!!! Crazy! The representative suggested making a payment over the phone with him for a fee or signing up for AutoPay. On XXXX XXXX, I received a late notice dated XXXX. The check cleared my account on XXXX. I live in XXXX and send payment to XXXX. It seems ridiculous to expect payment to take 13 days to be posted to your account. I was previously sending my payment XXXX and it never took more than about 5 business day!! I have never received their statement which provides the remittance slip before the XXXX of the month. I save the remittance slip form the previous month to mail so that I can be on time.
XX/XX/XXXX to XX/XX/XXXX Debt collectors were contacting my family members whom I DID NOT list as contacts. They had called a minimum of 3 family members, including my mother informing they were looking for me to collect debt.
On or about XXXX, XXXX, I addressed Ocwen Loan Servicing , LLC with my concerns regarding the incorrect paid year to date escrow balance on my monthly statement. I went through month 's of unnecessary XXXX and back and forth with Ocwen and their attorney 's about my concerns. I was advised that there was a flaw with the paid year to date escrow infrastructure of my statement. In several emails I was assured by Ocwen 's attorney that this flaw would be fixed. However, in XXXX, XXXX, I made an additional escrow payment for {$200.00}, and it was applied incorrectly. 

Once again, I contacted Ocwen 's customer service, escalation department, and the research department about this matter. I was told the XXXX, XXXX, additional escrow payment was reversed, and would reflect correctly on my XXXX, XXXX, statement. However, when I called to follow up I was given several different answers, and to date nothing has been corrected on my statement. I have had enough of Ocwen and their run around explanations. Ocwen needs to do better and be held accountable for their ongoing careless mistakes.
The lender and escrow company had misleading and deceptive business practices. I have been I have been struggling to pay my mortgage since XX/XX/2018, Guild sold my loan to XXXX because they knew they put me into a bad loan. I was discriminated against because of gender and color I paid too many high fees that I feel I would not have been charged if I was not a woman of color.
This new complaint is for Ocwen Loan Servicing only! 
We received a package from Ocwen on XX/XX/2018. This package, XXXX tracking # XXXX contained what appears to be the original note, original Deed of Trust along with a letter reflecting the loan was paid in full. 
Ocwen, please answer the following questions below so we can understand what has occurred with our loan. 
1st, Why did Ocwen loan Servicing hold our original Deed of Trust when this legal document was suppose to be held by the trustee, XXXX XXXX XXXX? 
2nd, Is Ocwen aware, when the trustee does not maintain the original Deed of Trust, the trustee which is XXXX XXXX  XXXX can not legally enforce the Deed of Trust? 
3rd, Why was our mortgage loan transferred to the trustee several years ago when the trustee, XXXX XXXX XXXX never maintained the original Deed of Trust? 
4th, Did the investor ( s ) receive a certified copy of the original note when the original note was sent to XXXX XXXX XXXX prior to Ocwen purchasing XXXX XXXX XXXX? 
5th, Why did the trustee, XXXX XXXX XXXX, state in writing that our mortgage loan investor was XXXX XXXX? 
6th, Is Ocwen fully aware that XXXX XXXX purchased this loan from XXXX XXXX XXXX   and placed this mortgage loan into XXXX XXXX XXXX XXXX?
There was some fraud made on bank of america as someone tried to make accounts under my name. Bank of america said they would tell XXXX to remove the following the hard pulls as I did not authorize them. XXXX  also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
my mortgage was transferred from Greentree to ditech for servicing. my escrow account is no longer being properly handled. I am receiving bills for taxes and insurance eventhough monies are being held by ditech to remit the monies. explain to me why is this company is allowed to continue servicing accounts despite the hundreds of online complaints posted and the XXXX complaints filed regarding the mishandling of people 's mortgage accounts?
After disputing debt through XXXX, account was closed. Then reopened by being transferred to debt collector which was also submitted in court under Bankruptcy. Have not been able to communicate with them to dispute reopened account. Which is inaccurate.
the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank you
I went to obtain an autoloan and was informed that there was a judgement in my name. I pulled my credit to get debt collector information and when I contacted them they were aware the had to wrong person yet extended no relief with this problem
I recently obtained my credit report. I noticed some inaccurate information being reported. I submitted a dispute and the item was removed from XXXX and XXXX. I sent a copy of the results to Equifax. Under the FCRA all information is to be shared between the three credit bureaus if any information is found to be unverifiable. inaccurate or incomplete.
I have tried to reach out to Santander Consumer many times regarding their willful negligence in violation with FDCPA AND FCRA and the loan they have failed to respond in compliance with the Fair Credit Reporting act and the FDCPA. 

The laws of the state of California and UCC 9.601- 9.607, 9.609 9.611-613,  9.615, 9.623, 9.627 ( b ) along with California Motor Vehicle Installment  Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. I must be permitted a certain time to cure and or redeem which is not available if the proper notices are not submitted. 

Satander Consumer USA never provided copies of the legal notices sent to me along with proof that the resale of the vehicle was completed in a commercially reasonable manner as required by law, in addition to a detailed and itemized calculation of the balance they claimed was due. 

Also, in accordance with the California Department of Revenue Repossession Title Requirements I NEVER received : 1. Copies of the written notice SANTANDER CONSUMER provided to all lienholders by first class mail of the intent to file for a repo title and 2. A copy of CALIFORNIA form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lien-holder. 
The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle and I did not receive this from Santander Consumer USA.
To whomever it may concern. 

I acquired the Chase  XXXX credit card about a year ago. The card comes with a {$45.00} annual fee which I figured is worth it for the free annual night that the card gives. 
The problem is that when I got the card, the free annual night eligible to be used at any XXXX property, but now the criteria was changed and it can only be used towards a hotel up to the value of XXXX points. 
This is very upsetting considering the fact that first of all, I was unable to use my free night yet, and I was really looking forward to having a nice vacation in an XXXX property of my choice. But now that my choices are more limited, its very frustrating because this is not what I signed up for. And second of all, To change any policy while having customers already enrolled I think is very bad customer service, and not fair at all. 

I am not sure now if I will continue my relationship with this card. 

I hope that my dissatisfaction will be taken to heart to have the policy changed back. 

Thank you for your time
I have a XXXX prepaid plan that I opened before traveling abroad. There is a {$27.00} collection fee being reported by XXXX, but my only XXXX account was closed and paid in full.
Several other credit breau corrected my report, but Esperian has not, and avoidedmy attempts to help them, with the other XXXX breau reports. And I need the itemsremoved that are wrong and status of limitation has been over the time allowed.
My 20 year credit history is great according to XXXX and XXXX, however Experian has no record of my existence. This is posing a problem because I 'm trying to secure a mortgage for a home for which the seller has accepted my offer. Nothing at all came back from Experian when my broker ran my credit report. I tried to receive my credit report from Experian 's website and phone services, but they say " We 're sorry, we could not fulfill your request at this time '', but gave a phone number and email to contact. 
I sent an email, several days ago and have heard nothing back except for an automatic confirmation that they received it. I also tried the phone number but I am not able to speak to a person without a credit report number. I was able to finally get ahold of a real person after calling their business customer service line ( getting yelled at for doing so ) and getting transferred several times. The customer service representative I finally got on the line was not able to access my account, and " escalated '' the issue to a group that " handles these issues '' through an email that only Experian employees have access to ( there is no way to call this group either ). He could n't give me an estimate of how long it would take, but said they would call me back soon. Based on my previous experience with Experian and email, I have no guarantee that I will ever hear back, and I do n't know what is considered a reasonable amount of time to wait for them to respond. 

So, I 'm getting a bit antsy as this is the last step to getting my dream home, the clock is ticking, and it seems I may not be able to secure a loan without resolving this glitch. I figured that filing a complaint here was a good step to take. 

I should note that my identity was stolen in XX/XX/XXXX and my social security number was used to purchase multiple vehicles. I reported it as soon as I found out, filed a police report, and thought I did a pretty good job clearing my name, although this was before the Fair Credit Reporting Act was passed and there were not the legal options for me to pursue ( I did consult a lawyer at that time ). I did not have a problem securing a mortgage in XX/XX/XXXX, refinancing several years later, or obtaining a credit card since then. So I 'm not sure the identity theft incident is related, but thought I should mention it. 

I can submit any supporting documents you need to help me resolve this. Thank you!
I have been fighting an account with Suntrust and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from Suntrust and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?
I have a student loan with Navient ( Formally XXXX XXXX ) and I forgot to make two payments and I started to receive phone calls on Friday. I received one on Friday, one on Saturday, one Sunday, one on Monday, 7 on Tuesday ( 3 of which occurred after I scheduled an online payment to make account current ) and then one more on Wednesday after the payment cleared the bank.
XXXX is trying to report a collection on my XXXX and XXXX Credit Report for a XXXX XXXX 's credit card that fell off my report a few years ago when it was well over 7 years old. Due to my FCRA rights reporting this debt again as a collection when it is past the amount of years it is allowed to be on my report violated my FCRA right directly. This debt is past the statute of limitations and I am tired of being harrassed illegally about it including the debt collector contacting third parties and discussing private details with the over a debt that is literally 11 years old.
For the past  XXXX  hree to four  years, Equifax has not been updating the activities on my accounts and has not updated my credit report with new accounts. This includes accounts/activities from :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX  , and  XXXX   XXXX    XXXX   XXXX   My credit reports from   XXXX   and   XXXX    are always up to date, but the Equifax does not update. As a result, my Equifax score is very low. I have submitted requests to Equifax on several occasions and have called and no one has resolved this issue.
I received notice of this debt and immediately called to request debt validation on XXXX/XXXX/XXXX. I never received a debt validation letter. This is not my debt, however, a few weeks ago I called to settle it because I want it off of my credit report. I am going to be buying a house in the next four months and I want this debt removed because it is not mine and because I want to take advantage of the best credit rates I can get.
I deposited {$3000.00} into my B.O.A. acct from my trust fund on XXXX/XXXX/16. BOA placed the funds on hold until XXXX/XXXX/16. When my funds were not available to me by XXXX/XXXX/16 I called and was then informed that the hold on my funds had been extended to XXXX. I asked for a supervisor and was told that there was nothing he could do on his end that I had to wait until the following Monday and contact risk assessment. So today XXXX I have attempted several times to find a way to expedite the process of freeing up my funds ( which had been released by my trust acct on XXXX/XXXX/16 @ XXXX ) BOA risk team member named XXXX said that they had tried to verify funds but my trust account did n't do third party verifications. ( Which is completely untrue ) XXXX then told me to obtain a proof of funds letter via mail, take it to a branch bank and the bank associates there would fax it to the risk assessment team and they would go from there. I asked him if contacting my trust bank and having them fax the documentation directly to the BOA risk assessment team would be ok to which I was told no. XXXX told me that was the only way I would receive my funds before the end of the month and curtly hung up on me. I then contacted my trust/legacy bank and spoke with XXXX asking her if canceling the check was even a possibility to which she said no because the funds had long since been released. I explained what I had been told by the BOA reps to which she said that she would call them from her end and conference me in. XXXX at BOA risk management answered this time. Took down my information and when I told her that XXXX from my trust account was on the phone she abruptly said that she " would not participate in a conference call so just get the proof you were told to get. '' ( Addressing me in a very rude and dismissive manner ) XXXX ( ignoring her rudeness ) said well if I give you our customer service number will you attempt to verify the funds that way? XXXX said she would take down the number and would call to confirm the funds. Then XXXX asked her the timeframe in which she would be calling to verify the funds and XXXX said that she would neither give a timeframe or discuss the subject matter any longer and hung up on us. So here I am with a BOA account balance of $ XXXX accruing overdraft fees of {$35.00} for every 5 days my account is negative. Even though the {$3000.00} that I deposited cleared long before my account went into the red. As of XXXX XXXX my funds have not been released nor has BOA attempted to contact the trust account.