WillisBack/dataset-financial-user-claim huggingface dataset:
I am from XXXX and speak OK English ( I have asked a friend to type this ). My husband and I purchased a car from Volkswagon XXXX XXXX in XXXX Utah. We decided we did not like the car so we went to another dealership to trade the car in on another purchase. After the purchase was finalized on the new car the new dealership called us back and told us that the XXXX car was a lease and not a sale ( we did not know this ). We thought we had purchased the car and did not know what a Lease was. On XXXX/XXXX/2017 we went to the XXXX dealership and returned the car so that we could keep our new car ( we have a signed letter from from the XXXX dealership stating they received the car back on that day ). We then noticed that our Volkswagon payments for XXXX 2017 and XXXX 2017 continued to be pulled from our bank account, so on XXXX XXXX, 2017 we returned to the XXXX dealership and spoke to the person who had accepted the car ( XXXX XXXX ) who confirmed he had received the car back and wrote us the letter stating he had received the car on XXXX/XXXX/17, he then contacted other people to tell them to stop billing us for the car. In XXXX 2017 we applied for a mortgage loan and were told that the car was listed on my husbands credit report as 60 days delinquent with XXXX and XXXX payments showing missing which was dropping his credit score significantly.
We called the dealership back and were told that they did not know that they had the car ( although the salesperson said it had been sitting out in the lot for several months ). They had me call the financing company and tell them that we had returned the car and ask them to fix my husbands credit. They have refused to fix the credit and they kept the car for 6 months without removing it from my husbands credit report or reporting it returned.
Last week I spoke with the financing office again and they said the car was auctioned and we now have to pay an additional {$14000.00} before they will fix the credit and they say they will still not fix the credit. We have not received any letters about this yet. They say the car was sold at auction for less than what I owed on it and that is why I owe {$14000.00}. They have refused to provide me proof of what the car was purchased for at auction. If this is the case and a car worth {$26000.00} ( according to the financial office ) was actually sold for only {$12000.00} then I should have been allowed the option to sell the car on the open market myself and recoup the funds instead of the dealership getting paid twice for the car ( once from me and once from the new owner ).
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No one told us that the dealership would charge us this extra money for returning the car and they have the car and should not be charging us extra money.
The dealership should not be able to continue to charge us for the payments they took after they got the car back in XXXX and they should be responsible for removing the negative debt from the credit.
I'm having extreme trouble having two items removed from my credit report of Expireian and XXXX. 

Item 1 : XXXX XXXX ( installment loan ) Item 2 : XXXX ( debt collection ) *its worth noting that when you look at my credit report I only obtain loans from XXXX XXXX XXXX XXXX , no one else, especially high risk high apr payday type loans. 

As a person who only receives a fixed income these items are causing me great and irreparable harm. I have repeatedly disputed these fraudulent items with both XXXX and Experian to no avail. 

XXXX however removed them so I know its possible. I need help.
I was living at an apartment complex and had to leave early and break the lease. I worked it out with the company that they would keep my deposit and I cleaned the apartment so it was spotless. Years later they sold the debt to a collection company and they have been attempting to collect XXXX XXXX from me.
Ocwen LN XXXX XXXX CA XXXX Short sale was started XXXX/XXXX/2016 with Ocwen. 

On XXXX/XXXX/16 we were told the file was complete. 

On XXXX we were told the investor countered to $ XXXX. 

On XXXX we submitted the Price Addendum to XXXX, HUD, Market Comparables and Contractor Bid for the Value Dispute. 

On XXXX we re-sent all the documents in and confirmed with the Ocwen rep that the documents we submitted for the value dispute had been forwarded to the value dispute team for review. 

On XXXX we were told the XXXX price would be accepted and the file had been sent in for approval. 

On XXXX Ocwen requested a change to the 2nd TD payoff only. They told us the offer was approved and they would send the updated HUD to the underwriting department on a rush for approval. The revised HUD was sent within 15 minutes via email. We called in ( one hour later ) and the rep confirmed receipt of the HUD, said it looked good and sent it in for rush approval. 

On XXXX Ocwen said the file was still under review and confirmed again that the file was marked complete. 

On XXXX We spoke to the Ombudsman department - " XXXX '', who could see the corrected HUD marked received on XXXX, but it showed that the file had not been touched since then, so he escalated directly with short sale management. 

On XXXX we received an email from XXXX XXXX at Ocwen that our offer was too low and we would need to meet their value of XXXX. In that email he referenced an outdated HUD. 

On XXXX, XXXX XXXX reiterated that we needed to meet the XXXX value and that the sale date would not be postponed. We then called the ombudsman 's office to find out why we have been lied to, and the ombudsman does not know. We requested that the sale date be postponed to allow time to negotiate a better offer from the buyer, however XXXX told us that there would be no postponement in the email dated XXXX. 

We are asking for a sale date postponement due to extreme delay in reviewing the offer because Ocwen 's Equator system was not working. This is not our buyer 's fault, and because we had been told several times that our offer of XXXX would likely be accepted, we had not prepared a backup offer.
I am looking at my credit report and I see fraudulent addresses that are not mine on my file. I am a victim of fraud and I am current in the process of filing a FTC report. Someone has been using my name and ss.I HAVE NO IDEAL WHY THESE ADDRESSES ARE ON MY FILE PLEASE DELETE THEM ASAP!!! XXXX! 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My name is XXXX XXXX XXXX MY PLEASE REMOVE ANY VARIATIONS OF MY NAME THEY ARE NOT ACCURATE. 
MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX
In 2012 I purchased an automobile from Nissan. While shopping for a loan, the dealership processed 2 loans, 1 from Nissan Motor Acceptance and the other from XXXX XXXX XXXX. Only 1 loan was valid, and payments have never been late. The Nissan loan was canceled and no payment was ever due. This information is only reported as negative at XXXX, and not at XXXX.
I have unsecured installment loan with Wells Fargo ( account # XXXX XXXX XXXX XXXX ) that was arrange through the company that replaced my furnace and AC unit in XXXX. The original loan amount was approximately {$13000.00}. 

In the spring of XXXX I had a flood at my home and I arranged for XXXX XXXX XXXX to mitigate the damage which cost XXXX ( cheque # XXXX ) In XXXX of XXXX, made my month payment to Wells Fargo of {$230.00}. I also paid XXXX XXXX the full amount owed. Unfortunately, I placed the cheques in the wrong envelopes ; XXXX XXXX received Wells Fargo 's payment and Wells Fargo Received XXXX XXXX ' cheque. I was alerted to the mistake when the accounts received people at XXXX XXXX called saying the received a cheque made out to Wells Fargo. The agreed to return the cheque to me. 

I called Wells Fargo 's Customer service number on or about XX/XX/XXXX and informed them of the error. They stated that had cashed the cheque made out to XXXX XXXX and Credited my loan account. 

I explained the mix up and asked them to refund the amount I had paid them in error and inquiring why they cashed a cheque that was clearly not written to them. 

Wells Fargo agreed to return the money to me in ELEVEN day less the loan payment amount and would charge a late fee of {$38.00}. 

At time of writing ( XX/XX/XXXX ) I have not received the reimbursement I asked for and paid for with the service fee. 

Now XXXX XXXX is beginning legal action for non-payment. 

Please help me recover my money.
My pleasure. My name is XXXX XXXX yesterday. I 'm. See into my credit report. My name is error. In my name to. my social is XXXX in my is XXXXis incorrect.. Please help me XXXX blessing
I called a place called navient and told them the person they are sending the collection letters to does not live here and i dont know who the person is.i asked the supervisors on 3 or 4 occasions to stop mailing me this mail and i dont know who the perso. Is and they tell me ok we will take care of it and take the address off file.it has not worked.im getting harassed and im the wrong person.
Ever since my student loans were switched from  XXXX   XXXX  to  Navient I have had nothing but problems. I have contacted Navient on multiple occasions to discuss lowering my monthly payments. I pay my loan every month on t ime even though I am struggling to do so. I have asked for help but when I call I am told there is nothing that can be done. Every few months my monthly payment amount goes up a few dollars without my knowledge making it even more difficult for me to make the payment. From  XXXX   XXXX / XXXX / XXXX  my payment was {$290.00}.  78 t he following month  XXXX / XXXX / XXXX  my payment went to {$340.00}. Then two months later  XXXX / XXXX / XXXX  my payment went up to {$340.00}. Then  XXXX / XXXX / XXXX  it went up again to {$350.00}. In  XXXX   XXXX / XXXX / XXXX  it went up again to {$350.00}.  XXXX . Now I just received my  XXXX  bill and it went up again to {$360.00}.  XXXX . I called for help and was told that the interest rates keep going up so I asked if I can lock into a fixed interest rate and was given no help. I was told to write a letter which I did and never received any feedback. I am obviously not the only consumer having trouble with this company since they are currently being sued. They do not help at all. They do n't advise of any other payment plan options for people struggling to repay their loans. They are rude on the phone on top of this. I have Federal student loans on top of these plus my own personal bills. It 's horrible that this company treats people this way.
I received a alert from XXXX XXXX that a new account has been added to my report and affected my score. I checked and it was from EOS CCA collection company in the amount of {$1200.00} from XXXX. I called the number provided by credit karma and called EOS. I gave them my S.S # 3 times and they could not find any account. Finally when I gave my phone # that 's how they located my account. Now I canceled my service with XXXX in XX/XX/XXXX after being a customer for over 7 years. I was not aware or told that I will be charged for cancelation of a contract with XXXX. I even called back in XX/XX/XXXX because I was charge a payment in XX/XX/XXXX and still was not told about the contract fee. I asked the collection company why I never received a collection letter or phone call. they said one letter was mailed to the address I moved from and they called me 35 times but it 's their policy not to leave any message. How am I suppose to know that I have a bill. I also called XXXX and was told it is stated in my contract that if I cancel my service a % 70 fee will be charge. A contract that I signed 7 years ago and no longer have to review. When I asked the collection rep why they did n't try to contact me instead of sending it off to collection they told me its my responsibility and they do not leave message either in regards to any collection. Now how am I suppose to know of a fee if I was not aware of it or even try to make payments on it had I know about this. I have a very good credit score, I work hard to keep all my recent credit accounts paid to date for something that I was not aware of or given the right to dispute or make payments on it. this collection has affected my credit score now. Mind you I did ask the collection company if I can make {$30.00}. payments since I 'm a stay at home mom. My husband is XXXX in the military and he pays all bills. I was told NO unfortunate they will only accept XXXX a month for 12 months for full payment.
I took out student loans, in fact, {$90000.00} for a university, and when I was there, students and staff were so mean to me. When I graduated, I came home crying my eyes out. I had a look in my eye before from the staff members that I would never ever get a job and I could look for the rest of my life and no one would hire me. And I have processed that feeling although it comes and it goes. Maybe these banks should add a Human Behavior course that Americans will lie, cheat, and steal to get ahead. They will psychologically damage you and change all of your memories. I needed to be better prepared for human behavior to take out student loans.
We had a small {$190.00} balance with a Chase Card that we did n't know about. We had electronic statements checked off online, but my husband had changed his email and we were n't receiving the statements. We did not receive any letters in the mail or any phone calls to inform us of the balance and to tell us that it was past due. Chase simply reported this to the credit agency without warning. This has now affected our credit.
I have been disputing and requesting validation of a debt I do not owe for nearly 4 months now and EXPERIAN has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EXPERIAN wants to play by their own rules. The item on my credit report XXXX acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the XXXX place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. XXXX XXXX XX/XX/2017 not mine.
Went to purchase a vehicle. About 1 month after having the vehicle I got a letter from XXXX XXXX saying my transaction with them is denied with the terms the dealer wanted but that they would accept other terms ( aka higher interest rate ). This is due to the credit score assigned by XXXX XXXX which was about 100 points lower than XXXX and XXXX. I believe this is a scam to allow XXXX XXXX to ask for higher interest rates due to questionable credit. Searching the database here and XXXX searching, I see this is a very standard practice of XXXX. My credit with the 3 major credit reporting agencies is 800+. This is a scam and a slap in the face. XXXX should lose their credit reporting license.
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX  XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$780.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$4400.00} Terms 1 Months On Record UntilXX/XX/XXXX
I have kept up with my monthly loan payments with Navient, however, I am concerned that my overall balance is going up and not down. I am currently on an income driven repayment plan and I would like to understand why my balance is increasing. I attended and graduated from XXXX XXXX, TX location but that locations has since closed due to fraudulent financial aid practices. I 've provided the school I attended here because it is not available in the section below for " What college or university did you attend when you received the loan? '' category. I believe it 's closure is why.
I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX  has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXXXXXX XXXX  ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.
I sent XXXX XXXX a request for validation letter. I specifically asked the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The company did not provide the name and address of the bonding agent for <<XXXX   XXXX>> in case legal action becomes necessary. This claim can not and WILL NOT be considered since they failed to complete and return copies of all requested documents made pursuant to the Fair Debt Collection Practices Act. 

I am requesting XXXX XXXX delete this account from my credit file. Failure to do so will result in legal action against the company. 

Respectfully, XXXX XXXX. XXXX
I generally pay an additional amount each month with my mortgage payment to be applied towards the principal balance. Twice, I have experienced PennyMac applying the additional monies a day later. For example, PennyMac posted my XX/XX/XXXX payment on XX/XX/XXXX. However, they then posted the additional principal on XX/XX/XXXX. 

In speaking with several friends who also have loans with PennyMac, they suggest they have encountered these same unscrupulous behaviors. Indubitably, if PennyMac is intentionally doing this to borrowers, they should stop immediately.
I received a court summons on XX/XX/2018. I immediately called the law firm representing the debt collector in order to establish a payment plan for the debt. I made my first payment that very same day. 

During the phone call, I was concerned about the continuation of this lawsuit and a judgment being held against me for the debt, so I asked the representative on the phone if I should answer the lawsuit or not, and she advised me to not file an answer, since I just agreed to pay monthly. 

I offered a settlement via email to the law firm two weeks ago of roughly half the amount of the debt and it was never answered.

I just called the court today ( XX/XX/2018 ) to confirm the lawsuit was dismissed, and the court confirmed that the law suit in fact had NOT been dismissed and I only have one business day left to submit an answer to respond to the law suit. 

I called the law firm today as well ( XX/XX/2018 ) right after and inquired about my debt, the law suit, and if they would be willing to submit a voluntary dismissal because I am making monthly payments and have agreed to pay my debt. They refused and repeatedly stated they want a judgment from the Court against me. I am unsure wether or not my monthly payments are actually going towards my debt, or if my payments are being made in vain.

The law firm did offer a letter stating my balance of my debt. That doesn't help me and still doesn't explain or confirm what the law firm will do once my debt is paid. 

I wanted, in writing, an agreement with the law firm and their client, to dismiss the law suit in exchange for me making monthly payments, and they said they would not do that. The representative also stated that the lawsuit will remain open and that they will continue to pursue the judgment wether I make the payments or not. I don't know if they have updated my balance with the court after making my first payment.