WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I was deemed XXXX XXXX and was no longer able to work. I held various positions with XXXX XXXX XXXX and I receive a small pension. I applied for Social Security, denied and in the process of appealing the decision. 

As a result, my income has been reduced by almost 65 % and I am working with creditors to make arrangements until my social security is approved and I receive what will be a significant " back-pay '' that will enable me to get caught up with my debt. I am having an issue with one creditor in particular, Wells Fargo Dealer Services, who holds the loan note on my car. I have fallen behind with them but have tried to send as much as a I can whenever I can. I have called several time because they never seem to update my correct contact information or have acknowledged that my wife has power of attorney over my affairs ( I have sent them documents confirming my XXXX and the power of attorney ). 

I was finally able to speak with a live person about two hours ago at XXXX. I explained my situation and she stated that she would " notate the account ''. She also told me that my vehicle can be repossessed at any time unless I pay approximately {$600.00} immediately. I told her that I could not do that however starting in the beginning of XX/XX/XXXX, I can resume my normal payment schedule and any late fees ( which I understand are unavoidable ). She said she had no record of any XXXX, power of attorney, and that if I didn't pay the {$600.00} in 8 days that the loan would be " charged off '' and I would probably never be able to get the car back. 

I have notified the XXXX Attorney General 's office who in turn referred me to this office. All that I am asking for is the following : In addition to not taking the car or charging it off in 8 days : 1. Let me resume my normal payments plus late fees starting XX/XX/XXXX when I get my next pension check. 
2. PLEASE communicate with my wife at my REAL phone number ( I will list this later as it says not to include personal information ), not the number they had on record which was false. I am on very powerful medication for XXXX and XXXX issues and I do not have the best memory. 
3. Please send me or my wife actual documents that outline what late fees we owe and that we have reached an agreement to resume a regular schedule of full payments as we originally agreed upon. We do not feel comfortable giving out routing numbers and bank account numbers over the phone. 

PLEASE NOTE : I reside with my son, as he is in a better position to care for me than my wife is with regard to reminding me about my medication and other assistance. My wife is a XXXX   XXXX XXXX patient who must remain in XXXX XXXX State more than I do because her medical team is located there ( XXXX XXXX XXXX XXXX Hospital ).
Yes I've always been on time with my Walmart credit card. But i lost my mom. And going thru hardship. Was mom 's caregiver for 5years now. Si going thru moms bills and stuff plus my own bills. Hoping too get payment waived for this bill comming up. Just trying too catch up on bills not easy.
My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<
XXXX XXXX XXXX XXXX XXXX XXXX made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email XX/XX/XXXX on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to regions bank and stop payment on XXXX XXXX XXXX XXXX payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. Regions bank will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let XXXX XXXX XXXX get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. regions vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with regions mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.
My loan agent was not able to get a credit report from Equifax because my account was locked. I called Equifax from XX/XX/XXXX afternoon till XX/XX/XXXX morning to unlock my account. And finally got instructed to email copy of my Social Security Card and Driver License to XXXX because they do n't have my information in their system. Their auto-reply email said they would response within 2 business days but nothing happened after two business days and my load agent and my new house are still waiting for them. 

I checked my previous emails today and found I went through the same issue with Equifax 5 years ago ( XX/XX/XXXX ). They asked me to email the same information 5 years ago and then asked me to fax the documents instead of emailing. I did n't get it why I should do the same thing again since they 've already got all the information at that time.
I am the heir, executor, beneficiary, settlor, and principal of my legal decedent. On XXXX XXXX, XXXX a title loan account for a XXXX XXXX XXXX was open with TITLEMAX in Georgia in the amount of XXXX}. I paid the fees each month for XXXX months totaling XXXX  The last payment was made in the amount of XXXX  on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was given a security interest each month the loan was renewed totaling XXXX The total amount including fees is XXXX}. On XXXX XXXX, XXXX TITLEMAX repossessed my vehicle. On XXXX XXXX, I phoned the TITLEMAX office to get my personal property from the truck. I was told they did not have possession of the vehicle and no guarantee they would have the vehicle back in order to get my personal property. I was unable to earn compensation for XXXX weeks. On XXXX XXXX, XXXX, a Truth in Lending Rescission Notice was sent to the XXXX of TITLEMAX, the XXXX of XXXX XXXX XXXX XXXX XXXX, the registered agent of TITLEMAX, and the registered agent of XXXX XXXX XXXX  XXXX XXXX. The XXXX day right of rescission disclosure was never given to me at the origination of the loan. TITLEMAX had XXXX days to dispute the rescission by filing a lawsuit against me and that time has now passed. On XXXX XXXX, XXXX, I received a letter from a litigation paralegal of TITLEMAX stating I can get my vehicle and they will release the lien in exchange for my signature on a mutual settlement. A rescission states that all monies paid and all property to be returned to me the principal because the contract is now void. The letter states my vehicle will be sold in XXXX days which is XXXX XXXX, XXXX if I do n't agree to their settlement. There is a bigger problem since XXXX XXXX XXXX  XXXX XXXX is involved. I need an audited accounting of debits, credits, and expenses and how many other accounts that were created from the XXXX accounts. TITLEMAX sent a one- sided accounting record of the payment transactions, but not the other pieces to the accounting. I requested XXXX} to be returned to me, but if this goes further, I will be demanding damages for all FDCPA and XXXX violations. Since a security is involved, I am the first party heir to my decedent 's account because I am the living heir to the party of interest. I am requesting a cease and desist until this entire matter is resolved. I received a letter from XXXX XXXX XXXX XXXX XXXX stating they needed additional time to investigate and to expect a response by XXXX XXXX, XXXX. The rescission was effective the day it was mailed. I need both Corporations to follow the XXXX in XXXX XXXX XXXX XXXX guidelines. Both companies defaulted on their opportunity to dispute the XXXX rescission within XXXX days.
I requested a review of my Public Service Loan Foregiveness qualifying months a year ago. I have call several times since then to ask if it had been completed. This review has still not been completed and XXXX XXXX XXXX is unwilling to provide me with a general timeframe. 

I was also told around XX/XX/2018 that the months that I overpaid on from my determined monthly payment amount would be reimbursed to me after my foregiveness was in effect. I have since been told this is wrong and mocked for asking this question. I am rarely treated with any sort of respect when I call XXXX XXXX & often given misinformation with no offered apologies. XXXX XXXX never seeks to offer a solution to issues that they cause. They are also unwilling to provide me with copies of narratives from when I called in without a sopeana.
I am trying to get a tax lien removed from my credit report. This tax lien is on all XXXX of my credit reports. It is paid in full.
I have been disputing incorrect information on my report. Equifax has only send me back a full credit without any response concerning my disputes. I have indicated specific items such as re-aged accounts, schedule payment amount for accounts that are sold or transfer and XXXX has fail to verify the accuracy of this accounts. As Im writing this complaint XXXX/XXXX/2015, this would be the 3th time that Im requesting Equifax to investigate and they have fail to do so.
I have XXXX credit cards with Capital one for about 5 years. A year ago I called to let them know that I was having financial difficulties as my husband had filed bankruptcy. They offered to waive late fees for 90 days, which they did, but told me that was all they could do. I closed both accounts that day. I continued making minimum payments, which covered interest and late fees, for about 9 months, until we were impacted by hurricane Irma. Being self employed and unable to work, I couldnt afford to make minimum payments anymore. I called them to notify them of my difficulties and told them that I could possibly settle with them when I get my tax refund. They never offered me anything. 2 days later, they reported 90 day lates on my credit, dropping my score by XXXX points!
I resided at Edge XXXX XXXX OH for XXXX month and left after my contact expired paying all my bills in full. However the management sent my account to collection agency and reported me to credit bureau stating there are an outstanding balance of {$960.00}. I reached out to XXXX which is the management and i was told i have to pay a sub leasing fee of {$960.00} although, there is no agreement made between me and XXXX and my contract was maintained until i left and there were no violation whats so ever. I left after XXXX month residing at XXXX because i was relocated to Michigan for work and i supplied them with a documentation stating my situation and I brought in a new tenant my self to take over the remaining XXXX month rent without any cost to XXXX or any damage to property. 
Despite all my effort to leave the property in a good term XXXX decided to billed me {$960.00} which i strongly disagreed. 
As a result I have a derogatory marks in my credit history hence XXXX reporting. I would like the bureau to remove this derogatory marks based on inaccurate information.
I have repeatedly asked for evidence to support your reporting, but yet again, your company have failed to provide me with a copy of any viable evidence, substantiating their claims. 
Given that I believe you are acting in bad faith, and have not complied with the Federal Trade Commission ( 15 USC 41, et seq. ), I will filed a Small Claims lawsuit against you for failure to validate late payment on credit report. ( FCRA Section 611 Part ( A ) ( 1 ) I have maintained careful records of your company actions, and you are now required to appear at Superior Court of California , XXXX Dept. BM XXXX California XXXX on I am seeking {$5000.00} in damages for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Navient Solutions Inc. has failed to validate the late payments. Failure to remove item off credit report. Fail to provide proof of item. Deformation. Violation of the Fair Credit Reporting Act, Negligent Establishment of Identify Fraud. On other separate occasions they failed to provide me written proof of any late payments which I requested in writing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
When I submitted request for card I was not immediatly offered to Opt out of solicitations, surveys, thisrd party notifications and other distribution of my personal info. After I received my card, I received Opt out letter and called in XXXX times as I kept getting e-mails. Called tonight as I received " Survey '' This iscourge of corporate america privacy. If you contact them they sen nd you survey. I told them do not send me surveys, Solicitations by phone, e-mail or mail. I just want a bill/statement NOTHING else. # x they toldOK '' they ca n't do it. They say XXXX days to stop. Why could I not have opted out on approval without delay??? I asked for Resoulution spelist or Executive dept and was tol " NO '' not possable by XXXX # XXXX in XXXX XXXX XXXX XXXX/XXXX/2015
It is being reported that I owe XXXX money and is reported as me missing the payments every month. These accounts are " charged off " and no longer supported by them. They are not taking communication on them and they were sent to a collection company but there is no information on what company has the accounts on mky report so I can dispute them. These are charges made on my name on a building that I did not own at the time of the charges due to XXXX XXXX not processing the shut off for the leave on for landlord. Per XXXX XXXX these accounts are charged off no payment to them due. Should not be showing any late payments ever on this
I keep getting phone calls from Sally Mae over a student loan called today 2 times XXXX number was XXXX do not have a student loan, and have never had a student loan.. They keep harassing me by calling me ... This call was at XXXX XXXX/XXXX/2016 Caller ID says private. I looked it up online, It is Sally Mae. I have already turned in a previous complaint with a different Phone number, that called me before. I want {$5000.00} for harassing me. These are robo calls. I received another call at XXXX XXXX XXXX/XXXX/2016, Caller ID said unavailable, when I picked it up it was another robo call, ,about a student loan and to press XXXX. I pressed XXXX and blasted the foreign speaking guy with my air horn.. I want another {$5000.00} for that call. This is just harassment for something I do not have a student loan.
I was frauded by a XXXX. they called me to loan me money. We went back-and-forth negotiating amount, percentage and terms. They wanted to deposit into my personal checking account through my mobile app. I checked with my bank first and they said that if there 's anything suspicious they would send me a code by text to my phone number. of course I could always change my password. so they make the deposit I 'm not knowing in what fashion and it shows up in my account. The bank accounted for the deposit. The bank did not inform me that it was just photocopies of these checks. Photocopies of the front and back so the signature could be seen. XXXX made two deposits in this way in the middle the night and they showed up being accounted for in my personal checking account. again I was ignorant of the photocopy deposits. I was to wire back money to an account manager from XXXX which in their words was proving my checking account and identity. when my checking account was accounting for the deposits I 'm thinking well this could be legit. Five days after the first deposit was made, the first check bounced. The bank called me to inform me so I go down to close the account and I actually paid for the debit that was incurred by the bounced check from XXXX. I informed the manager which was the second check from XXXX. She initially said she of course would put a stop payment on that check. she then realized I paid the transaction by debit card and said that she could not stop payment. So firstly my complaint is that the bank was excepting an accounting for photo copies of checks in the middle of the night with forged signatures. it was very unusual actually never did I deposit checks through the mobile app into my account. The checks were made out to me and then forged with a signature on the back of my name. Obviously it was not my signature. I closed the account before noon on XX/XX/XXXX, The checks were forged, photocopies, and known fraudulent and the back still cleared the second check. thus it bounced. I do n't care if it was the transaction initiated by debit card she knew the company was fraudulent she knew the check was forged and she still cleared it. First Hawaiian Bank did not have basic security to protect me.
During a period between 2009-2014 I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX REC XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.
I refinanced on XXXX XXXX, XXXX ; title collected the first installment of the property taxes through the refinance and later I found out that my current bank at that time sent the payment for the first installment of taxes to the county as well. 

I contacted the county and they provided me with a print out showing the payment Stearns Lending made for the 1st installment of taxes were refunded back to them on XXXX XXXX. I have been calling Stearns Lending since then to get this refund back and they kept telling me that they are going to send it but they just do n't. Last time I called, I spoke to a manager and he said they just needed confirmation from the payoff department and that the check was on his way. Not sure what confirmation they need since the loan was paid in full on XXXX XXXX, XXXX when the refinanced was finalized.
The Money Source Re : extortion CRR # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX CT. XXXX Sirs, this is in response to your false allegations of arrearages and threats to file a false report to the respective credit bureau. I do not owe you the monies you claim I owe you. You have not provided any documentation to substantiate those allegations they are bare allegations. I have asked you for documentation that shows the debt you claim I Owe and as of this letter IHAVE NOT RECEIVED ANY DOCUMENTs to substantiate your claims. You promised that the documents would be forthcoming but its been more than ten days and no documents. In addition you are not applying the monies I have sent to pay my mortgage. You accuse me of being late and add to my astonishment a late fee of XXXXdollars. These are pure bully tactics that are not only unprofessional but in my view illegal. My taxes are current and the next installment are not due till XX/XX/, 2019. I  have paid my mortgage for XXXX fully. You are conflating the new tax increase with an additional installment on a debt of {$2500.00} that you claim I own without any proof. You make this allegation to justify the narrative to allege that my payment was incomplete and start foreclosure proceedings. You bought my loan from contour mortgage at which time you accepted the performance without claiming a breach had occurred I was faithfully paying them the same sum that I have been paying since the time you purchased my mortgage. I do acknowledge that my taxes have increased, and that amounts to a monthly {$64.00}. I have instructed XXXX XXXX  to include the new projection of taxes in my monthly payment but they have dismissed me as a customer because of your antics, your refusal to apply my payments and deem them insufficient. The payment on the loan is not and has not been partial as you allege. I expect that you will apply the payments to amortize the loan. In the mail I received your threat to foreclose on my property it is all a ruse to foreclose my property. Wow!! I am a senior citizen, a vet and suffer from XXXX XXXX XXXX. Needless to say that I will be praying that you stop your harassment of me and restore my standing with you or suffer the consequence of your ill-legal antics at the hand of overseeing agencies. Please inform me of the path you choose. I will only be XXXX, and availing myself of every legal recourse.
On   XXXX   XXXX   XXXX    , my wife made a credit card payment to   Citibank via phone for {$100.00}.
This payment was processed and then on the same date, Citibank made an unauthorized payment process for {$2900.00} to pay the balance on the card. We did not authorize this payment. The bank then charged our account for an overdaft. My wife contacted Citibank and their response was sorry nothi  ng they can do.
I financed a car from Santander XXXX : XX/XX/XXXX Chevy Cobalt in XX/XX/XXXX for $ XXXX 19 %. I currently owe $ XXXX two years later. XXXX late payment. The car is worth {$4000.00} can not trade in too much negative equity. I have request an adjustment in loan and they said no.
I am receiving suspicious calls from a company saying that I owe money from a payday loan. They are constantly calling leaving threatening voicemail messages. They say that they are going to serve me papers to sue me for check fraud. I asked them to send me written verification by mail. They refused. They wo n't give me any legitimate information. No full company name, no mailing address. The phone calls coming in are from numerous numbers.
I went to check my credit and it said that CBNA did a hard inquiry on my credit.