WillisBack/dataset-financial-user-claim huggingface dataset:
about  11 yr s ago I had got some kind of paper and it was about this 3 party suing me for a credit card .than about 1 yr ago i n  XX/XX/XXXX    th e sum of  XXXX  they tried to take my only car and than took me to court and I made payment arrangement ..  times  got hard on my income so I have stopped paying them .. with in that yr I have been assured what to do next they have stop me from getting tags for my car. and I had to get some help to get my tags back. mean while I got pulled over with expired plates ..than I have n't heard from them until   XX/XX/XXXX      they had   XXXX   XXXX   court officer come and repo my only car. deman ding the full amount of money before they take it  XXXX . I felt very scared with  XXXX   XXXX  in my presents when I was cleaning out my  car.. Credigy Receivables inc. is t he  3 p arty debt collector with no proof that this credit card was mine .. and the statute of limitations and the way they went about ..so many unanswered questions. I feel that I do n't have the funds to pay a lawyer to get my car back and get this resolved thank u for your time
I purchased XXXX XXXX XXXX XX/XX/XXXX with a bank of America loan # XXXX. On XX/XX/XXXX the house caught on fire. After XXXX months of trying to get the contractor approved to build back the home ( after repeated attempts I even spent my own money trying to save my home ) Bank of American Had XXXX XXXX form XXXX ( XXXXXXXXXXXX ) call me to force me to sign over my property in Deed in luei or a short sale. I was not given the chance to build my home back and refinance with my credit union as planned. I have also contacted XXXXXXXXXXXX to join a lawsuit against bank of America for forcing foreclosure on me and keeping my insurance funds. I repeatedly contacted them regarding the XXXX they kept from the Insurance and after XXXX months the did transfer me $ XXXX and kept $ XXXX. After keeping the XXXX they also wrote the IRS that I own them XXXX in debt write off even though the XXXX documentation and there documentation stated they would forgive the balance entirely and no debt would be sought after me. I have called repeatedly and hired an attorney XXXX XXXX to get me back my XXXX that I am owned. This bank has repeatedly ignored me and my attorney even with a signed release that they can speak to him. I am begging this company to really investigate this thief and help me recoup my money so I can buy back a home for my family. This has been a XXXX year nightmare that needs to end. I would like my money. Please help I know I am not alone with this nightmare and can not afford legal fees with Bank of America refusing to respond accordingly.
During a move to another state, my brother who co-signed my lease paid the final amount owed to the alleged collectors. Not until recently when I tried to purchase a home as a first time home buyer did I get notified of this debt. They claim of damages but never was notified of such in any fashion, I always forward my mail and by the way I have always kept my parents home as my main address.
On XXXX XXXX, XX/XX/2015 I filed a complaint against Enhanced Recovery Company , LLC with CFBP case No. XXXX and they submitted a letter Via E-mail to CFBP on XXXX XXXX, XX/XX/2015 in response to my complaint and promised to request a deletion of the collection they placed on all XXXX major Credit Bureau 's from my credit Bureau Reports. 
As of today, XXXX XXXX, XX/XX/2015 Enhanced Recovery Company , LLC have not request a deletion on any of the XXXX major Credit Bureaus ( XXXX ) this action might constitute fraud under both Federal and State Laws. On XXXX XXXX, XX/XX/2015 as a response to my complaint your Agency made the following statement : " In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015 Please allow up to XXXX days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX ''. 

Also as of today your Agency are unable to provide the proper documentation as requested in the following Declaration. 
Copies of the original application for this account Signatures associated with this account Billing statements associated with this account Any payment history associated with this accountDue to this fact negative mark is found on my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I am requesting Enhanced Recovery Company , LLC collection to immediately remove all negative remarks of all XXXX major Credit Bureaus and cease any collection activity for failure to validate this debt as promised in the letter forwarded to CFBP and if not I will consult with my legal counsel for suit.
I received my XXXX 2017 mortgage statement and it stated i had missed my XXXX 2017 payment. i checked my online banking record and the payment was marked as paid on XXXX XXXX 2017. I called my mortgage company and i was told to send proof. I sent the copy of the on line banking check and a copy of my bank statement verifying the funds where paid out to the Penny Mac Mortgage company on XXXX XXXX 2017.. I received a call 3 days later and was told that there was no " stamp '' on the back of the cashed check that could prove that they deposited it in there XXXX XXXX XXXX account. I was told that i must pay or my credit would suffer. i asked if they could at least try to find the deposit into there XXXX XXXX XXXXXXXX account and i was told no. Now my credit is being marked derogatory and i must pay my mortgage payment again. I was just hoping someone could help me convince Penny Mac to start an investigation into where the payment was cashed to. Even though i gave them all the proof from my bank that it was cashed they said they could n't of received it because they would have had to have stamped the back as " for deposit to XXXX XXXX XXXXXXXX ''.
Green Tree Lending transferred my mortage loan to Ditech ; I did n't have a good experience with Green Tree and now I 'm having an awful experience with Ditech. Since Ditech has taken over my loan they have done nothing but harass me for a payment that is not even 60 days past due. They sent a representative to my home which their customer rep says is there practice when payments are 60 days past due XXXX my account is not 60 days past due - it was due for XXXX and XXXX but as of XXXX XXXX it is not even 30 days past due ). They have sent certified letters to my home noting the start of foreclosure proceedings for my past due account. They sent a letter to my husband on XXXX XXXX noting mitigation options for the loan even though he is not listed on the mortgage. They were calling my job everyday until I ask them to call my cell phone. Now they are calling my cell phone morning and night to discuss my account even though I have informed them of my reason for falling behind in my payments and my plan to bring my account current. I spoke with a Manager today who insisted that I make my payment via check by phone because if I used my XXXX XXXX XXXX account to make a payment that it would result in a check being mailed and a mark on my credit because it would be 30 days past due. I was transferred to the Manager because I thought he was going to address the non-stop phone calls, the daily letters in the mail, and ensure that no one showed up to my home to see " if my property was vacant ''. According to the Manager, Ditech sends a representative to the home to verify if the property is occupied once the payment is 60 days past due which my account has never been. My mortgage situation XXXX home upside down ) puts my family in a position that I am stuck with these predatory lenders ( although I have a great interest rate and have maintained a good payment history until my husband 's injury ) my loan keeps getting moved around as these companies transition from XXXX to XXXX to GreenTree and now Ditech. The mortgage needs to do more to protect homeowners from greedy, heartless, collection companies such as Ditech and others like them.
XXXX XXXX is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when XXXX XXXX got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.
I have sent a number of certified letters disputing items on my credit report that are showing negatively.
I am an authorized user on this Home Depot card ; however, this account is only reflected on my XXXX report. I have contacted Home Depot and the credit bureaus regarding the reporting of my account. When I last retrieved my credit report, I noticed that this account had been removed from my XXXX and XXXX  reports and only remained on my XXXX  ; however, XXXX had not  updated my payment history since XX/XX/2018. I reached out to Home Depot and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with Home Depot. I would like for my payment history on this card to be added to my XXXX and XXXX reports as it once was but also updated on all 3 bureaus so that it reflects current and ok payments to date.
I have disputed a error of bankruptcy being reported on all three credit reports several times. Lexis Nexis is a third party reporting agency whose giving false information. I NOTIFIED THE BANKRUPTCY COURTS they sent a letter saying the do not report information to the credit bureau. I in returned sent the letter to all three credit bureaus the refused to remove it. I never received another reference number showing a investigation was being filed.
Over 30 days ago, I sent an investigation request to the credit bureaus and they haven't responded yet.
Wells Fargo refused to honor a check, written on my business line of credit, claiming account could not be found, Check written on XXXX XXXX account, dated XX/XX/2017, amount {$520.00}
I 've attended and graduated from XXXX in XXXX, with what was suppose to be an accredited XXXX degree in XXXX. Only to my surprise I found out that my degree program was not accredited until XXXX, 18 months after graduation. ( A total misrepresentation ), The disbursement to XXXX for me to attend was {$18000.00} with payments to begin on XXXX ; I 've been making payments every month and on time since XXXX ' and my balance is still {$13000.00} today with Navient. I 've paid over {$34000.00} out of my pockets over the years, working various entry level jobs that was paying no more that {$9.00} - {$11.00} usd Hr. I was told and promised on may of occasions to not worry about paying my student loans because I would be making enough to pay back and maintain my livelihood ; Which was not true, because its been a struggle ever since I enrolled many years later.When will the repayment END.It felt wrong then and I feel wronged today, only because there is nothing I can do about it.I hope CFPB can reach a settlement very soon, so that I can move on with my life, and try to forget the many years of torment and threats of repaying an over priced student loan for a non-accredited XXXX degree program from the then XXXX SCAM!! featuring Navient and XXXX ponzi sceme.
I was involved in the Transunion glitch where they deleted inquiries on my report then reinserted them without giving me a five day notice I have yet to receive a notification. After a long phone call to Transunion that included an argument with two different representatives one claiming to be the manager they told me that I wasnt a victim and would not remove the inquiries from me report. There are 15 in total!! 
XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX card ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX )!! 
I didnt authorize these and I would like them removed.
My mortgage company ( Ocwen ) did not pay my flood policy which had cause my flood policy to elapse. I had contacted them several times before my policy had elapse in which they had stated that need to research what happen. I also called them with my insurance company ( XXXX ) on the phone which had confirmed with them that a statement was sent twice and the policy still was not paid. 
Ocwen representative had stated that they will issue a payment. The next month I contacted my insurance company to make sure that the policy was paid and was told that not only was my policy not paid, but now had elapse. Since I am required to have flood insurance I had to have another policy made. The new policy was significantly higher then my last policy. It went from around {$540.00} a year to {$3800.00} per year. This new policy had caused an escrow shortage which in return cause my mortgage to increase. 

My insurance company had explain to me and the Ocwen representative that had my policy been renewed prior to it being elapse that my policy would had remain at the {$540.00} per year. Ocwen told me that they would reimburse me the difference. This was about eight moths ago. Every time I call they give me the run around saying that at first they lost my account number to it will take 30 days. It have been well over eight months. The last time that I 've spoken to a Ocwen representative was on XX/XX/2016. I 've spoken to a supervisor from their insurance department name XXXX XXXX. XXXX XXXX told me again that they will need another 30 days. 

I called them back today ( XX/XX/2016 ) and was told that they was still working on it. When I requested to speak with the supervisor again the representative stated that " there nothing that the supervisor can do the she ca n't ''. She then continue to deny me to speak with a supervisor. 

In all my mortgage payment had increased twice this year for a total of about {$450.00} for Ocwen refusal to pay me flood insurance.
This is a rebuttal to the complaint I had filed ( XXXX ). For the first time I did get a call back from Barclaycard. Their response I felt was unacceptable. I am upset because the merchant had no time limits to use their service for the bids I purchased but Barclaycard said I enough time. How can they make that decision. They still did not offer arbitration or even consider All the items I did pay for with bids and ending purchase price that were never received. Services were not as expected. I do n't think they even tried to resolve this and just made a judgement call because they did not want to take the time.
National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX XXXX someone. I do not believe my XXXX anyone. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on Ja
Most recently, on XXXX I received a voice message to call XXXX at XXXX XXXX XXXX XXXX. She has called me before asking me to pay a medical collection. The collection has been disputed with all three credit reporting agencies and I have received a confirmation from XXXX XXXXhat is will be deleted. The collection is not accurate. I called XXXX back today XXXX at XXXX pm MST. I asked her to stop calling my phone number and confirmed my number with her. She stated they are not bound by any do not call regulations and that she would continue to call. I asked her for her name and the company she represents. She stated XXXX XXXX with the company name as Thunderbird Collection Service and address of XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. The collection that was placed on my XXXX, disputed, and deleted was from this company. I asked her how she could say she is not bound by the FCRA or do not call when 'collection agency ' is in the name of her business. She again stated my number would not be removed and I would continue to be contacted. I advised her I would file a complaint with the CFPB. I appreciate your assistance in this matter.
A letter was sent via certified mail to Franklin Credit Management Corporation regarding an amount owed. This debt represents fraud, unjust enrichment, breach of contract, violations of Civil Code Sections 2924, the Business and Professions Code Sections 17200 and Fair Debt Collections Practices Act, by failing to serve proper notice of default, claiming excessive amounts due are owed, and failing to provide supporting documents. as requested XXXX XXXX, 2015. A XXXX Certified Letter was sent on XXXX XXXX, specifically despite previous letters sent on XXXX XXXX. The XXXX representing Franklin Credit Management Corporation, failed to respond to said dispute letter and continues to illegally engage in harassment, fraud, unjust enrichment, breach of contract, violations of Civil Code Sections 2924. et seq,, the Business and Professions Code Sections 17200, et seq., and the Fair Debt Collections Practices Act, by failing to serve proper notice of default, claiming excessive amounts are owed, and failing to provide documents. NO assistance was offered and not effort was made in compliance with California Civil Code Section 2923.5 ( e ) to contact the borrower to discuss the borrower 's financial situation and to explore options for the borrower to avoid foreclosure.
Around on or aboutXX/XX/XXXX, I received a phone call from a collection representative by XXXX XXXX, he advised me he was calling from XXXX - XXXX XXXX XXXX XXXX XXXX. about a debt with XXXX ( XXXX ) XXXX XXXX. I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXXin the amount of {$2300.00}, in XXXX District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number XXXX XXXX. A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on XX/XX/XXXX.
I called again on XX/XX/XXXX, and spoke with XXXX XXXX  again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!
My name is XXXX XXXX XXXX I live with my family at XXXX XXXX XXXX CA XXXX, for several years. 
In 2014 I had a hardship due to my wifes tremendous XXXX medical condition she suffered I reached out to Wells Fargo for help and they advised me to stop making my mortgage payment and they assured me I would be approved it would the only way they could help me accomplish a modification. I took their advice and it has become a nightmare they have denied me from day one. 

I have been continued faxing all requested documentation to Wells Fargo litigation department but they have continually denied me, I continue to plead with them for a modification to no avail. I want the modification they assured me I would qualify if I stop making my mortgage payment
I decided to give Citibank a try on XX/XX/2016 due to the " Reward your drive '' promotion. This promotion promised a {$400.00} credit to all new customers to open a Citibank account, deposit at least {$15000.00}, and keep a minimum deposit of {$15000.00} for 30 days. I did all of this. I was supposed to receive the credit within 90 days of opening my account. I contacted Citibank because I heard nothing from them on when they plan to deposit this credit. Citibank then has the nerve to tell me I 'm not enrolled in this promotion because I did n't verify my email address ( This is a lie, I have verified my email several times ) and then they claim I need to provide them a promotional code. This too is a lie because the promotion states nothing about providing a code. I found a code for the promotion and send it to Citibank, then they " investigate '' why they have not honored the promation while they let the promotion date expire!! This is complete false advertising. I complied with all terms and conditions of the promotion. I even enrolled in it and opened the account from the link on Citibank 's website. They know I am due the {$400.00} credit but the entire promotion is a scam, they are not going to honor it!! If all of this is n't bad enough they refused to allow me to pay my water bill the first month because they claim I needed to verify that I had received the check I gave the water company. I have over {$20000.00} in this account but they will not allow me to pay my {$40.00} water bill! I now have to pay a late fee and credit card fee because Citibank decided to " Freeze '' my account without telling me because they want to verify that I want to spend the {$40.00} check I gave the water company! I did fax a signature to verify that I received my checks before trying to spend one. However I had to contact the corporate office to get someone to check the fax machine!! Citibank is the worst customer service on this planet and needs to be shut down!
XXXX XXXX, toyota dealership in XXXX was where i leased my toyota van. when i. returned the van, the manager went over the van with me wide open and checked everything and it went well. the manager never asked or disclosed anything about any accidents. we then went inside to do another lease but ended up with a purchase because of too many complications. at that point i did not complain because i thought i was getting a better deal since it was a purchased transaction ; however, i went home disappointed because i was really determined and adamant in just leasing a van for my business. after a couple of months, i heard from toyota and they were charging me approximately {$3400.00} for repairs and damages. according to them they found out after thoroughly checking the leased van that i had gotten into an accident and they claimed the repairs were not up to " their standards ''. i then asked them why they had n't inquired at the time of the return and inspection about any problems and concern because if it had been disclosed under that condition, i would have purchased and kept the van as the accident was only superficial damage and not the engine. i did not pay what they were demanding because it was unfair, and also because i had already paid for the repairs when the accident happened. they should have disclosed their position and informed me about it while we were going through the physical inspection.of the van. i tried to reason with them and eventually even hired an attorney to deal with them, but they would not change their position at all. they then reported the claim to the XXXX ( XXXX ) major credit reporting services ... and my nightmare began. i was unable to follow up with XXXX XXXX and the personnel involved because the dealership closed. to date, toyota still refuses to remove the negative report even though it was first posted in 2007. please help.