WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX sold my loan to M & T Bank , M & T Bank messed up my escrow account, causing my payments to double. I was advised by another banker to default my loan for them to fix my escrow. Upon doing so, M & T Bank offered a loan modification. The first loan modification was rejected because one signature was not shown on the documents and I was not advised. M & T Bank started a second loan modification which was approved. During this time, I had ALWAYS made payments as they requested, however, once the loan modification processed it showed I had not paid for years, which is completely UNTRUE. I am looking to purchase a second home and need these missed payments to be removed.
XXXX XXXX has failed to correctly report a paid off / paid in full as agreed auto loan account for 8 months. My credit report still shows and open unpaid load since XX/XX/2017. I have contacted XXXX XXXX 3 times to resolve the issue. I was told XXXX XXXX switched their credit reporting software and were fixing issues that occurred where accounts were incorrectly or not reported to the credit reporting agencies. Each time I called them I was told they put in a ticket internally to get it fixed. It is still not fixed.
I recently pulled a credit report and saw that Credit Collections USA is reporting to be collecting on an alleged debt. After research, according to the Florida office of XXXX Regulations, they are not licensed in the state Florida.
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. My loan was processed through Ally. My first year I had no problems. By. XX/XX/XXXX I needed a deferment. XX/XX/XXXX I was deemed 100 % unemployable by the Veteran Affairs. This caused a decrease in my finances. All of a sudden I started getting calls for my nephew XXXX XXXX..then when I called XXXX XXXX was also attaced to my account. I spoke to a rep and she said I had two accounts, yet XXXX was suppose to be mine. We continued discussion the account and we both were very confused. She told me her supervisor was out. Well several days later I called back..this time the supervisor can't remember his name..XXXX..he got real mad with me..actually he was XXXX. He hung up on me and the next morning the car was gone. I called Ally and all they would tell me was how much I had to pay to get it bqck. I went to XXXX XXXX XXXX for help. I paid 2600 plus dollars. I called to see where my car was and they told me I also had to pay for XXXX because my payments are due on the XXXX and I paid on the XXXX. I went and sent what they told me I had to do for XXXX or I couldnt get my car. When I got it it was muddy inside and out..money and dvd player movies amd music missing..as I started driving there was a loud noise. Turned out that one of my tires tread was stripped. Days later I went to check to make sure my account was current. It showed I owed for XXXX. I called, rep told me I hadnt paid for XXXX..I told her how I got my car back..she said I didnt pay enough to cover XXXX. I asked for an english speaking rep..she told me they will tell you the same thing and hung up. This just made me think even more that Ally had 2 different set of people cheating me. I did an online chat and was told I was current and it will be fixed within 24 hours. It was. Then a female called me stating she was in charge of my account..I told her this cant be..I dont want my car taken again. She said none should have repoed your car. Another red flag. She told me to pay 400 plus on line ... the next day I got a lettersaying to send a check. Confused yet again. I sent a l3ttef to Ally and XXXX XXXX called me about my concerns. He told me there was an error and he was going to see if A payment could be added to my account ... then he told me no. I asked him wbout the XXXX that the nasty guy told me that it wasnt expected so they applied it to principal. However XXXX told me the money was from a case I won from cfbp and. the department of justice.RED FLAG. He said the case was closed but he was going to look into it and call me back. For weeks I called him and he never answered. Then I got a copy of a letter Id never seen. Everytime I call or write them about an issue EVERYONE HAS A DIFFERENT LIE. IM suffering enough as it is with my health for them to be making it worse because Im up all night looking out the window to see if the car is gone. Mrs. XXXX at XXXX on XXXX XXXX worked my case and has proof of the inconsistencies with them.
CHOICE RECOVERY needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that CHOICE RECOVERY Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
STUDENT LOANS SERVICERS IGNORE PHONE CALLS, EMAILS AND ATTEMPTS TO REPAY THE LOAN EXCEPT IN FULL.
My parents are receiving repeated phone calls from a company called Penn Credit at XXXX. The call is automated and says it is in regards to a debt. There is an option to press a number to indicate a incorrect phone number, which my parents have done several times and the phone calls are continuing several times a day.
In early XX/XX/2018, I tried opening an account with Citibank and was approved online. Following that, I got letters about my account number, a signature card and providing a state Driver 's License/ID. I immediately responded with a state ID and driver 's license and the signed signature card. I need the debit card to actually use the account and deposit into it as it's required for registration online. Nearly a month goes by and today I call Citibank to ask why I haven't received any feedback or my debit card. It turns out they " rejected '' my ID and DL for being " too dark '' and that they couldn't " read '' it. They were perfectly legible and I think this is a deliberate strategy on the part of Citibank to structurally prevent people from opening accounts. I tried opening a Citibank account years before where I faxed the same ID or DL five times because they kept claiming it was " too dark '' and they couldn't " read '' it. I have faxed a lot of material to banks and other companies over the years and only Citibank has this problem. The customer service agent I talked to confirmed this as he said a lot of IDs were rejected and this was the most common reason. This is deliberate discrimination and I have really soured on doing any business with Citi because of these types of games. I expect this to be corrected or me and my spouse will cancel all our credit cards as Citi is the worst.
Last month I received my annual escrow analysis which should I have roughly a $3,800 escrow surplus. I am currently two mortgage payments behind going on three in XX/XX/XXXX. I requested in writing like they told me to do to hold the three payments from the surplus. After doing as they instructed I receive an email reply back stating that the escrow surplus was used to reduce the monthly note.      It wasn't at all. The rep doesn't even know how to read the analysis. The note was reduced because the amount being disbursed from escrow was reduced from the insurance. I have spoken to four different reps, and sent various emails with no help. I even asked to be escalated to a manager and still nothing.
I am writing about Chase bank 's refusal to return {$1500.00} that was deposited by me into an Overdraft Protection Account in XXXX of XXXX. They are now closing all overdraft accounts and state that they do n't have records from XXXX, and that if I ca n't prove that I deposited the money, they do n't have to pay it to me. In XXXX, the only way to have an overdraft protection account was to deposit money into the account. The original transaction was with XXXX bank which was bought by Washington Mutual in XXXX, and WaMu was bought by Chase in XXXX. 
Around XXXX, I asked Chase bank teller ( XXXX ) to close my overdraft account so that I could have the {$1500.00} available to use. She told me that I should not do so, " because you cant get accounts like this anymore ''. 
In XXXX XXXX, I went in to speak with Chase branch manager ( XXXX ) about closing the account and getting the funds transferred back to my checking account. The younger staff were not familiar with this old version of the overdraft account as the newer versions were unsecured lines of credit. Teller XXXX was able to verify that, indeed, the older account that I have was established by depositing funds into the account. After making some calls, XXXX stated that Chase does not keep records past 7 years. After making a complaint to Chase bank, I received a call from XXXX, Chase home office investigator, on XXXX XXXX, XXXX at XXXX. He stated that on XXXX/XXXX/XXXX my account was converted and a {$1500.00} hold was removed from my account. I told him that that did not make any sense as there was never a hold or conversion notification. He stated that he did not believe that I put {$1500.00} into the overdraft account and that since I can not prove that I did, I have no further appeal rights through Chase bank.
back in  XXXX  when I bought my home was a interest only loan for 5 years it was suppose to change to conventional in  XXXX  .i go t a letter from citi mortgage 6 years later that my payment before escrow was going up from  XXXX  to  XXXX  in  XXXX   XXXX  if it would of adjusted when it was suppose too it would of went up to  XXXX  in  XXXX  instead of 2400.i feel something not right.so in 6 years we paid  XXXX  an there only crediting  XXXX  towards the loan
I have several ongoing issues regarding my credit report that I am trying to resolve, including many incorrect account details. While attempting to log in to review these continuing mistakes on my report, Transunion has now denied me access to my report via their website. I have attempted logging my many times via their website and my login credentials to no avail. This is ridiculous, I should be able to have access to MY information to continue disputing mistakes and ensuring that my report is 100 % accurate and complete! 

I have attached a screenshot of the error message I receive after each failed attempt to login to dispute my ongoing mistakes.
Multiple years ago I had financial crisis, was about to go bankrupt, and missed many HOA payments. Later when I graduated from college and was able to pay, I made restitution with the HOA and payed XXXX of dollars in back fees. 

However without my knowledge or constant, the mortgage company paid the HOA fees and both companies still let me pay the back fees. So now that I am XXXX dollars away from complete I got my 15 year mortgage loan, Chase Mortgage is claiming that I owe over XXXX dollars in corporate fees. 

At the time when I repaid the back fees, I enlisted a Nevada attorney named XXXX who handled the communications. Now that lawyer will not return my calls. 

Nobody at Chase Mortgage will speak to me except the " debt collector '' who expects me to just come up with a wire transfer of over XXXX. 

Chase sent back my last mortgage payment and now is telling me that it is late. 

I feel that I am the victim of predatory lending scam to steal the small townhouse that I have faithfully paid the mortgage on for over 15 years. 

Please help me! Please launch an investigation!
There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s )  {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.
credit inquires over 90 days still on the on, some go back toXX/XX/XXXX,XX/XX/XXXX
I have a loan through a loan company and they have been calling my work place over and over again even after I asked them not to call.
Hello my name is XXXX XXXX XXXX. I have been disputing my personal information to TransUnion. XXXX sent a copy of my XXXX and ss # with my correct name since XXXX 2016. Everytime I talk to them they claim that ca n't change my name because I have account in my maiden name XXXX. However that 's not my legal name and I refuse to let them keep disrespecting me. When they send me mail they say XXXX XXXX XXXX. That is not my legal name and they should respect that. Why do the government allow the credit bureaus to do what they want. I 'm going to file a law suit for wrongful use of my name if TransUnion ca n't get it right. I know the law is that if my legal name is XXXX XXXX XXXX TransUnion suppose to honor my name and stop discriminating and disrespecting who I am. I want my mail and my credit report to display who I am. Thankyou
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Experian Credit Bureau and XXXX XXXX XXXX Re XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim This account was validated and is in fact accurate, despite my claims of the opposite being true. This is a formal notice that your erroneous claim is now formally disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a  statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : Better Business Bureau
I get a regular monthly charge that varies in amount per month. Apparently it is removed from my account on the XXXX or XXXX of the month, but does not show up on my online account statement until the XXXX of the month. The website shows I have money when I check it every morning, so I use some of the money that is " available '' after " pending. '' Bank Of America then charges me overdraft fees for all the amounts that I have used when they backdate the charge. My statement then shows I have money but was charged several overdraft fees for money I was " deceived '' into thinking I had. I do know the charge is coming and sometimes I take the hit on the overdraft fee. I do not expect XXXX overdraft fees I only expect XXXX. 
As per my copy of my " online Bank Statement '' it shows i had funds for the charge on XX/XX/XXXX a purchase for XXXX and available balance was XXXX, they then charged me XXXX overdraft fees when the statement shows I have funds. Makes no sense!
On XX/XX/XXXX I asked for both a security freeze to be placed and also a request for my full credit report disclosures, as i have read before this company seldomly likes to comly with FCRA guidlines, so i no ask the CFPB to help resolve this matter.
Ok western union money order was stolen nd cash in which wasnt the person my mom pays rent to .. when i made a claim nd did process which im at the last step .. so waiting for my refund. Its still be pending since last year XX/XX/XXXX i recentlly contact them on XX/XX/XXXX and its still pending i noe thats does not take that long they are so unprofesstional ..please can u help me
On XX/XX/XXXX I noticed a delinquency on my credit report. I immediately contacted the reporting collection agency to dispute the debt because I thought it was identity theft. I learned from XXXX XXXX XXXX that the original debt was from XXXX XXXX XXXX for XXXX XXXX my ex-husband. We were divorced in XX/XX/XXXX and this debt was for an overdraft of his checking account in XX/XX/XXXX. I disputed the debt as I am not liable for his debts after our divorce nor did I have any knowledge or any part in what happened. I provided our divorce paperwork to XXXX to remove myself from any joint accounts years ago. I was told by XXXX XXXX XXXX that there was nothing they could do and that I was liable for XXXX debt. I immediately contacted XXXX to dispute the debt. I was transferred to a member's resolution specialist. I explained that situation and disputed the debt. I was told that I was liable for XXXX debt because they could not locate a copy of a signed release form. That is not my fault. I did what I had to do to remove myself from any accounts and I am NOT liable for my ex-hsuband's unpaid debts 6 years after our divorce! Please help.
Whenever I have a credit card someone uses it and the balance gets out of hand. The ending balance is usually twice the purchases I made and these include fees and interest. On all my credit cards I asked the companies to provide a reconciliation statement, how much principal, how much interest, how many fees and not one company gave me a statement. XXXX is notorious for identity theft. I tried working with these companies when the balances shoot up and use my skill in accounting ( took a college class ) and they WANTED me to ruin my credit. XXXX is behind this, I believe. We bought our house XXXX XXXX XXXX, XXXX XXXX with perfect credit and XXXX told me I had to go to XXXX of XXXX. They stood looking into our room and said, " This is very unusual, '' and managed to take over my accounts for the rest of my life. They have some kind of credit watch on my accounts and whenever I get a card they use it. Now I am hearing from Portfolio Recovery Associates on the phone every day. They call and do n't leave a message. This time I got the person 's name and number. I want to send them my phone bills for a year for this harassment. I pay for my phone and not for them for their business, crooked as it is. They should be arrested. Just now, XXXX XXXX a woman called just after XXXX. She said her number was XXXX. I want to dispute this on my credit report because the only way I knew to stop the identity theft was to stop paying my accounts to stop the thieves, thus ruining my credit.
XXXX and Equifax have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of XXXX Equifax , and XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted XXXX and Equifax come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX immediately.