WillisBack/dataset-financial-user-claim huggingface dataset:
I turned in my leased car to Mercedes Benz Financial XXXX XXXX, 2009 and it is still reporting on my XXXX despite my many attempts to explain to XXXX and Mercedes Benz that the statue of limitations has passed and to please remove it from my XXXX credit report. I feel like I have been treated poorly due to my economic hardship status.
I contacted Experian twice about a collection account that recently popped up on my report. 

I fixed a dispute twice and told them the balance reported was wrong. That I am a customer of the debtor and I owe {$160.00} not {$870.00}. I also have pictures from the original merchant showing how much I owed them. Experian refuses to take it off of my account or resolve this and it dropped my score. The original merchant is XXXX, not XXXX.
I worked with a debt consolidation company called Student Loan Help Center. They consolidated our loans for a fee of {$990.00}. 
We received a letter from Fedloans.gov stating the power of attorney was denied for this company to work with them to consolidate our loans The representative from fed loans told us that this company is fraudulent and they are not accepted requests from them. We are asking that our money be returned to us because they are not able to provide services for us. Also, the information they reported to the fed loans was incorrect. The # in our household was incorrect. 
The contact information : Student Loan Help Center : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX
I have been making on time payments to XXXX XXXX XXXX XXXX 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.
Voicemails on my cell phone stating that there have been serious allegations against my personal information.  That myself or my attorney need to contact them and make a statement today.
In late XXXX of 2016 I was asked by a professional contact to co-sign a car loan with him. I spoke to the salesperson who explained that I would be the co-signer, that I could remove myself from the loan at any time and that I was not responsible for any payments. I agreed to help my friend and the loan papers were drawn up. The salesperson met me at a XXXX 's to sign the paperwork. I am listed as the lead signer on the paperwork. This " friend '' has only made XXXX full payments, the rest have been made by me. He is hiding from me ( blocked calls/Facebook access ) and the finance company, has moved both work and home locations. I believe there was intent to deceive me from the beginning of this transaction and I also have come to recognize that there were errors made that should have invalidated this loan. First : I am not on the title to the car. The dealership does not show me as being a rightful owner of this asset, yet I 'm the only XXXX making payments. Second : The address that is listed under my name does not match my address. It was the original address of the co-signer, but even he does n't live there. Third : The salesperson did not go over any terms of the loan with me, did not tell me how to make payments, and in having the improper address I did n't find out about payment dates, etc. until the second payment was late and I received a call from the finance company. 
I am now making payments on an asset that I have no rights to collect, and am doing so on a loan that is fraudulent. 

I have attached a copy of the title received from the finance company ; an electronic version of the statement showing an improper address for me ( notice my name, NOT his ) ; and some proof of payments ; I may have missed a payment proof but would be able to get that from my bank account.
I pay additional to the principal every month and every month my Ditech/ Green Tree mortgage company places my principal payment in either in applied funds or insurance or escrow. The most current unresolved problem is my XXXX 2017 payment. I paid the entire payment plus {$250.00} to principal. On XXXX-2017 it stated we owed {$250.00}. for the XX/XX/XXXX payment -they said they were aware of the problem when I called and were in the process of fixing it. The fix was now it says we owe {$1000.00}. I have called and emailed to no avail-not once in the over 3 years have they processed this mortgage correctly. Please help!
There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.
My Name is XXXX XXXX, Navient has been taking care of my loans. After having issues making the payments that they were asking of me which are $ XXXX monthly. I 'm a single father of XXXX there 's no way that I could pay this amount. They did n't provide me any other choices. They also lied to me various of times. if my payment would be around XXXX I would be able to pay but they are not willing to work me, because of this my loan my default. This will ruin my life. I wanted to know how I could be part of the Lawsuit.
I notice my credit had a negative reporting from this company. This debt was an older debt but they reported it as current charge off as of XXXX/XXXX/15 which isnt true. This was already sent to another agency who could validate the debt ad was removed off my credit. This is the XXXX time it has been reported. So now im being punished XXXX times for the same debt that was originally removed. Just because they purchase the debt doesnt mean they can lie and try and ruin your credit. Also i notice they do this all the time with many people.
My complaint is multi-faceted. 
1. I am in the Public Service Loan Forgiveness Program. The count of months of payments provided by XXXX XXXX is quite different than my count. I have sent email messages to them requesting clarification and have never received responses. 
2. I recently changed jobs and my income based payment needed to be recertified. I provided the documents to them and was emailed a letter stating that I would receive a letter in the mail telling me what my new payment would be. I never received this letter. On XXXX I participated in a chat conversation with a representative from XXXX XXXX This rep told me that my repayment plan would be recertified in XXXX and I would start paying the new amount in XXXX. I received my bill today and the new amount is actually beginning in XXXX, not XXXX. I do not know what if any income based repayment plan I am now in. 
3. When you email XXXX XXXX, you receive a message stating that they have received your email but you do not receive a copy of your email. This makes it difficult to follow up and track correspondence. 
Thank you for your asssitance.
Today I received an email stating that my credit card company, American Express, did not receive my payment and was charged {$37.00} fee. I knew for a fact that I paid it because I have set my bank account to automatically send on the XXXX of each month. This had happened before and they tried to raise my rate to something crazy like 25 %. I thought I had messed up, but looking back I did not and I indeed made a payment. I paid ahead so I knew that when my payment was due on the XXXX of each month that my payment from my bank account would get there in plenty of time. 

I called today and spoke with a representative and yes, I did make 2 payments. I made one on XXXX XXXX that paid XXXX XXXX 's payment and I did pay again on XXXX XXXX to pay the XXXX XXXX payment. When speaking to the rep, she informed me that the XXXX XXXX payment did n't count toward my XXXX payment ( even though the XXXX payment had been made ) because I would have to make it in the month of XXXX to count and I just paid extra in XXXX. This is ridiculous! No other card I have punishes you for making a payment early and tells you that you did n't make your payment and charges you at {$37.00} fee. If I pay early, then a lot of times I do n't show a minimum payment for the next month. My mim payment is XXXX and I am paying XXXX and they are charging a late fee.
MY HOME DEPOT CC # XXXX LAST TIME WE CHECKED OUR LIMIT IS NOT {$2000.00} > SHOULD BE {$10000.00}.
I generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/XXXX account/ Portfolio Recovery Associates and the charge. 
Detailed scenario is as follows '' I had visited XXXX XXXX Store, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along  with my social security number to apply for XXXX XXXX credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe XXXX credit card which I had that time. 

Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of XXXX credit card. When I tried to check my XXXX purchase history, I was unable to find the XXXX XXXX transaction. Also verified with XXXX customer care that the transaction was not completed and hence can not be located. 

I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call. 

Now this account has been transferred to PRA i.e XXXX XXXX XXXX XXXX, ( Dept XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX ). 

I have approached myself to XXXX XXXX, XXXX XXXX & then PRA for clearing this pending amount appearing on credit report where I raised a dispute with PRA. 

I received a letter from PRA on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from PRA till date where they are not giving me proper response for the queries I raised. 

As this issue happened due to carelessness of XXXX XXXX XXXX. Now PRA LLC is not considering points mentioned by me and the response given by them are not specific to my case and seems to be very generic. 
Could you please investigate this issue and help me to resolve this without penalty charges? 

Appreciate your help, Thank you.
I opened an unsecured personal line of credit On XXXX XXXX, XXXX. The line was used off an on and when the brunt of the financial crisis hit I had to utilize it to get by. Needless to say the balance was maxed out at {$16000.00} and I did not have the means to repay, which I have completely owned. 

The last activity on this account was a payment made on XXXX XXXX, XXXX and the account shows as closed since XXXX XXXX, XXXX. Furthermore, on XXXX XXXX, XXXX Wells Fargo officially canceled the debt and issued a 1099 ( c ) for the account for which I had to recognize it as income and pay through the IRS that year. 

The issue at hand is that WF Bank, on a monthly basis, continues to report this account as a new charge off with a " Balance '', " Past Due Amount '', and " High Balance '' of {$17000.00}. It is required the lenders provide accurate, up to date, and correct information to the credit bureaus. WF Bank is clearly reporting inaccurate information where they should be reporting aany balance on this LOC as {$0.00} and the reporting of a " Charge Off '' should only be reflecting as a charge off since XXXX XXXX and not a newly charged off account each month. 

I he contacted WF Banks " Consumer Credit Solutions Credit Bureau Dispute Resolution '' department on multiple occasions to have this rectified with zero response. I further contacted the Senior Executive VP of consumer lending for WF to illicit some response to my request by which I received none. This seems to XXXX my last hope that this incorrect information can be rectified.
I've tried to dispute inquiries on my file and I get the runaround. I've tried reaching out to the vendors, I've tried reaching out to the credit bureaus and both keep telling me to contact the other one. 

Listed are the inaccurate files : XXXX XX/XX/XXXX XXXX XXXX/XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX
My credit report, through Transunion, suddenly shows an amount of {$51.00} that was originally owed to XXXX. ( This is false and verified as false with XXXX ) It shows a balance date of XXXX 2016. It states that the status of this " account '' is in collections and further shows the past due amount as {$0.00}. This false report is negatively impacting my credit report.
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The company attached to this false report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY-XXXX ( XXXX ) XXXX
RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
This is in response to Wells Fargo answer to my Case number XXXX I think, due to the size of their file, I can not sbmit my Disputing their reply. Here it is. 
Wells Fargo has lied and what they have done is ILLEGAL. 
XXXX They say they have filed a complete chain of Assignments with the Court BUT : Court Documents filed State of Hawaii Documents filed XXXX. XXXX/XXXX/XXXX Assignment of mortgage XXXX. XXXX/XXXX/XXXX Assignment XXXX Corporate Assignment XXXX Assignment XXXX. XXXX/XXXX/XXXX Assignment grantor/grantee XXXX. XXXX/XXXX/XXXX corrective assignment XXXX. XXXX/XXXX/XXXX corporate assignment ( invalid due to Robo signing ) XXXX. XXXX/XXXX/XXXX corrective assignment Nowhere, in the chain of assignments, do they show that on XXXX/XXXX/XXXX XXXX sold the Mortgage/note to XXXX XXXX and then on XXXX/XXXX/XXXX XXXX sold the mortgage/note to XXXX HOME MORTGAGE. They LIED. Nowhere do they show how XXXX came to own my mortgage/note. 
XXXX TILA was violated in that I was never notified of any of these assignments. 
XXXX The Pooling and Servicing Agreement ( PSA ) was closed when they say my mortgage/ note was transferred into it. Therefore all subsequent assignments are invalid. It is ILLEGAL for U.S. Bank to represent themselves as owners. Wells Fargo dismisses this as nonsense.
Transferred XXXX said monies into market rate account. Frederick Hanna garnished XXXX funds. Said funds were unprotected. Only income is XXXX funds. XXXX XXXX. Court date XXXX XXXX, 2015 @ XXXX am. Help. Bank said funds do n't have to be protected once once removed from checking to market rate account. {$200.00} left in Checking Account. {$120.00} Garnishment Fee taken by Bank also. Phone ( XXXX ) XXXX
I attended University XXXX and used my XXXX GI Bill. When the money ran out I took out a personal loan so that I could complete the degree plan. When I enrolled in the XXXX XXXX Program I was made to believe that the majority of my classes from my XXXX in XXXX XXXX would be accepted. I made a spread sheet and compared the XXXX Texas classes with XXXX to show where they were identical and none of them were accepted. I was on a time constraint and trying to move upward in my career so I maintained enrollment until I completed the program. As I attended the classes I confirmed that they were all the same as the ones I completed through XXXX Texas XXXX that University XXXX was claiming to be higher series than the XXXX XXXX level
I paid the amount agreed to on the loan contract for my co-borrower to be removed from my loan but he is still on the loan and has not been removed as of today. I have also not been allowed to enter the debt relief program with them as well.
The company states that I have n't payed them off. I have. They are threatening and harassing me. They are threatening to come to me work place and take legal action. I know they were paid off years ago. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they took out XXXX from my checking account. There is no way I could have even borrowed that much money. If anything I have already over paid, even with interest. They say I owe one more payment and that they will go to my work place to collect.
I have initiated a previous dispute with CFPB concerning XXXX XXXX XXXX   placing a collection account on my XXXX and XXXX credit reports. I recently sent XXXX XXXX XXXX another letter asking for validation of the alleged debt amounting to {$360.00}. XXXX XXXX XXXX did not provide any documents or evidence to validate the account, but instead asked me to sign a consent to release information and reports that I have been identified as the consumer on the account. This company kept this account on my XXXX and XXXX credit reports despite providing proper validation of this debt, but instead of verifying ( identifying ) the debt. Again, XXXX XXXX XXXX did not provide any documents or evidence to validate the account, but instead kept the account on my credit reports AND asked me to sign a consent to release information. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX and XXXX credit reports or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. I have attached XXXX XXXX XXXX XXXX response to my letter requesting validation of the debt, in which they requested I sign a consent to release information. Your immediate response will be greatly appreciated.
Pacific Union Financial sold my mortgage on XX/XX/2019 to XXXX XXXX without notifying me first. I was not aware of this until I called my mortgage company ( Pacific Union Financial ) wondering why my payment was not automatically taken out. I made that phone call on XX/XX/2019 at XXXX XXXX on or abouts. I was informed that my mortgage had been sold effective XX/XX/2019 and that my automatic payment that was scheduled to come out of my bank account on XX/XX/2019 had been canceled. I asked why I had received no notification and I was told that I would be receiving something via mail soon. As of XX/XX/2019, I have received no such information. I did ask about the new company and was given the phone number and name, phone number XXXX. I will now have to reach out to this new company and try to make my monthly mortgage payment through them if possible.
My loan is being transferred from XXXX to Navient ; and they are unsure of where the loan is in its processing. Navient is the recipient and has no record of me. XXXX is the seller and has a general time frame of 2 to 4 weeks ; but is not able to deal with my loan any longer. This means I am not able to make my monthly payment. When I do n't make a monthly payment, the interest continues to accrue on the current balance, rather than the slightly lower balance it would be at, should I have been able to successfully pay my monthly bill. Thus either XXXX and/or Navient will earn an additional profit by temporarily losing track of my loan.
I have made multi call to Citifinanical to remove a Lien-holder from my vehicle. I have never taken a loan out on my car, they do not have anything in their computer base states that I have a loan with them! no record of anything except for my Vin #. The company have transfer me over to many department, finally the Lien department still no records on file, but they will not release my vehicle until I have evidence that it pay in full!. I explain to them I have no document for this issues and I have never taken any loan out. I purchase my care in the year 2004, XXXX XXXX XXXX was my lien-holder, I am the only one who own this vehicle when I purchase it. so I went to the D.M.V and they gave me the the paper work that was requested from CitiFinancial. I need help to correct this issues. Attach with this request is my DMV paper work.
ENHANCED RECOVERY COMPANY # XXXXI had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
On or about XX/XX/XXXX this collection agency was reporting as XXXX, I disputed this information as not my debt and the item was deleted from my XXXX report. This same information is reporting again in XXXX with Transworld Systems as XXXX, the information was reported again with the same collection information as the deleted information. Additionally, the collection agency never sent any written notification of this alleged debt.On or about XX/XX/XXXX, this agency confirmed to XXXX that this debt was valid.
I am currently XXXX and have an issue with XXXX XXXX. My spouse had a family plan with XXXX XXXX that we were unable to keep due to transferring XXXX. In XXXX, they do not have XXXX XXXX service. So, my spouse spoke to both representatives on the phone and in store from XXXX XXXX. We presented them with our Change of XXXX letter that stated we were moving from XXXX to XXXX. The employee my wife spoke to over the phone assured her that our account would be closed out with no outstanding debt. His information is as follows : XXXX XXXX Employee ID # XXXX. Her conversation lasted around 3 hours on the phone and she was assured that there was absolutely no outstanding balance and that we were good to go for our transition to XXXX. We have tried since to resolve the issue again with XXXX XXXX, but they have gone back on their original terms and now say that we owe them {$240.00}.
I have sent multiply request to validate the debt company will not send information in the 30 day period now i am being told 90 days, they will just remove from my report and research and never send correspondence bad company
I am writing to ask the CFPB to intervene in Citi Bank 's political position in no longer lending money to companies that make firearms. They were bailed out by we taxpayers, and they have no right to cut off funding and kill jobs to make political statements.
Wrong address listed on my Trans Union credit report. Never lived at XXXX XXXX in XXXX XXXX Michigan.
I request for loan due to my credit report misplaced ether by some one using my name for his or her selfish ends, please help me to fish out this miscreant