WillisBack/dataset-financial-user-claim huggingface dataset:
First I must say that there isnt a correct selection for a credit collector who is reporting a debt far outside the Statute of Limitations. NationStar has been reporting my Mortgage as late when they should not be reporting the account at all as it is well beyond the 7 1/2 year Statute of Limitations allowed by the FCRA. Section 605 ( c ) ( 1 ) which states the reporting period begins 180 days after the event that caused the account to become delinquent. Then the Statute of Limitations runs 7 years. This date does not change unless payment has been made by consumer which resets the clock. In a letter dated XX/XX/XXXX NationStar states without question, and I agree, that the Date of First Delinquency was XX/XX/XXXX. I have disputed this on 3 occasions with XXXX, XXXX and XXXX in the past 2 years and included copies of the NationStar letter showing the XX/XX/XXXX date. Each time Nationstar violated the FCDPA and FCRA by voluntarily and with malice reporting an invalid debt. In many discussions the folks in collections say they can not make changes to my Credit Reporting Agency files and only they can do that, and NationStar just keeps reporting a debt whose last payment was made 9 years ago!!!
I used XXXX to give a deposit for services that were never rendered. Reach out to bank and they stated because it was money transfer and not my debit card, its not protected
I previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XX/XX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XX/XX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with all 3 credit bureaus and ultimately had to file a complaint with the better business bureau to have the issue properly addressed. Equifax was in the process of investigating my dispute at the time therefore they were not included in my complaint ; at this time, they have resolved the dispute and the resolution was to change the payment history to " current '' for only 2 months out of 15 months that show derogatory information and to change the remarks on the account from " student loan permanently assigned to government '' to " consumer disputes after resolution ''. All other credit bureaus have reviewed the documentation I supplied to show the loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education and they have either removed the account entirely or removed all late payment history from the record yet Equifax has only removed 2 months of late payment history. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
ACCOUNT AUTO LOAN # XXXX Agreement Dated : XXXX-2015 It has come to my attention that the Promissory Note/Agreement which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. 
It was requested in writing to FORD CREDIT, to provide me with certified copies, front and back, of the original Promissory Note/Agreement which I signed and presented to the Bank in this transaction. 
The lawful authority which I authorized the Bank to engage in, the sale of an unregistered Security, in this transaction as an unlawful sale of an unregistered security in violation of state statute*. 
It has also come to my attention that shortly after the closing, that the Bank deposited said Promissory Note as a cash item and ledgered said Note as a liability in the banks Payables Account and identified ME as the Creditor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. 
It is also my understanding that the Bank/FORD CREDIT, in accordance with GAAP, may have ledgered the Mortgage, as an asset in the banks Receivables Account and identified ME as the debtor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. 
It has come to my attention that the Promissory Note/Agreement which I executed may have been altered as I asked for certified/notarized copies. 
It has come to my attention that the endorsement of said Promissory Note/Agreement for funding the loan may have been done by FORD CREDIT, and is in violation of state statutes and was not disclosed. 
In other words this auto loan by FORD CREDIT was pre-paid with my credit ; there was never ANY LOAN, only purporting a loan existed. In other words *VOID AB INITIO . 
The term void ab initio, which means " to be treated as invalid from the outset, '' comes from adding the Latin phrase ab initio ( from the beginning ) as a qualifier. 

*UCC 3-104 ( a ) & ( c ) and UCC 105 ( a ) ( c ) makes it clear that I was the Issuer, Drawer, Maker of the Note that I executed, giving it value, at the closing, while UCC 8-102 ( 12 ), ( 15 ), ( 9 ) and UCC 8-105 leaves no doubt that I am the holder of the entitlement right to the funds. I am the Creditor and entitlement holder with the authority to issue Entitlement Orders as concerns this transaction and/or this account. 
I also requested : All payments paid to date will need to be sent back to me, the address listed on the Agreement, estimated at {$7300.00}, US Dollars as this loan was pre-paid with my credit. *VOID AB INITIO. 

All responses from FORD CREDITs employees, were not substantiated and all to be considered hearsay.
See my prior complaints filed against them DriveTime and XXXX XXXX XXXX. Has been a game of cat and mouse and cant get straight answers from either. Both company 's push blame for miscommunication on each other. My latest complaint and question is what gave them the consideration and/or details of what went into me getting a higher interest rate on my new contract with them after they bought back my other vehicle. XXXX has stated that when I had signed my new contract that my other loan was still on my credit so it went into the consideration for my new interest rate on my current vehicle. What was used to justify me getting a higher interest rate on a vehicle that I actually financed for {$100.00} less than my other loan which was deleted? I was given a higher interest rate and over the life of loan I am paying over {$600.00} more because of the higher interest rate and 3 more payments. all of my other on time payments that my other contract showed should if anything made my interest rate stay the same not go up if anything should go down. Upon calling XXXX and asking what goes into consideration on getting an interest rate I was told by XXXX who nows my case well that XXXX doesn't set the interest rate the dealership does so this is my question how is this justifiable.
I have multiple hard inquiries on my credit report starting in the year XX/XX/2017 that I have no knowledge of. I see that these hard inquiries are affecting my credit score i would someone to help me investigate and remove these inquiries off my report.
Based on my research, the loan was established in XX/XX/XXXX and it was paid in full in XX/XX/XXXX, later receive a notice showing balance of {$620.00} of late fees, later we spoke to a rep in reference to that amount and as per discuss, If we pay {$260.00}, they will relinkgage the balance to zero and send us the title, as of this date today 's date on XX/XX/XXXX, We still have not receive the title until remaining alleged balance and interest charges still acrued. We would like to have this matter investigated and our title release.
In XXXX 2017, I accepted an offer from American Express and received a Gold Delta SkyMiles Credit Card. The offer stated that I would receive XXXX bonus miles after I spent {$1000.00} within the first 3 months, a {$50.00} statement credit after I made a Delta purchase within the first 3 months, and other incentives such as miles per dollars spent, free baggage checking and priority seating. I made the required purchases within the first 2 months. Although I have received the " other '' incentives, I have not yet received the bonus miles or the {$50.00} credit. 
I have called American Express several times this past year and as told by the agents that I should have received the miles and credit, and they would investigate. I have not received any feedback from the company concerning this issue and am resorting to contacting this agency for help.
I have a loan with Kia Motors Finance. I purchased a new vehicle and XXXX XXXX XXXX XXXX paid off my Kia balance but there was a {$330.00} over-payment. I contacted Kia and they said that they will not look at refunding the over-payment for a minimum of 20 business days. This is more than double the amount of time allowed by Expedited Funds Availability Act for financial institutions check hold times. My account reflects a XXXX balance despite the fact that Kia Motors Finance refuses to act on the over-payment refund until their unreasonable and unfair waiting period of 20 business days expires, which will take at least 30 days before I receive my funds due to me.
When reviewing my credit report I discovered that Experian illegally re-inserted the XXXX XXXX XXXX as a new collection account to my credit file in the amount of {$1600.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/2018 I still haven't received the required notification. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA. 

This account was deleted off of my credit report years ago. And now it has been resold to another organization. This account needs to be removed off of my credit report. I sent a certified letter return receipt, I never received any response from the Credit Bureau. A screenshot is attached to this complaint.
I changed cable providers and paid what I thought was the finale Bill. Was contacted by XXXX credit about an outstanding amount owed to XXXX. The amount was XXXX. Contacted XXXX and asked if this would pay the account in full, and I paid it to the original creditor. Now some company named AFN I, INC has purchased this from XXXX XXXX and is reporting this as a new collection on my credit bureaus.
I applied for assistance in saving my home from foreclosure. I hired an attorney to help me with the paperwork. I was advised I am approved for a Making Home Affordable " Trial '' modification. I have contacted my lender on several occasions trying to find out the terms of the loan modification, rate ; term ; principal balance ; principal forgiveness or forbearance and maturity date. Thus far Bank of America says they have no terms and they basically refuse to discuss this with me. My loan is an option arm, negative amortization loan which worked against me for the past ten plus years. I feel the servicer should have these terms and my attorney states someone has the terms available, however they are simply refusing to discuss the terms with me.
XXXX banks are reporting wrong as XXXX XXXX XXXX, XXXX and XXXX should notbe their! XXXX accts were paid in full 15 yrs ago and XXXX did n't beloing to me! XXXX credit bureaus are reporting wrong XXXX, Experian and XXXX
As a new home buyer trying to purchase a XXXX ( Seller ) through First National Bank of Omaha ( Lender ). Neither Seller/Lender communicated clearly what need to be done to locking in a interest rate. In addition, It appeared that Lender intentionally delayed the loan approval process to go beyond the XXXX day lock in period. 

I had just recently been approved by the Lender for a mortgage that fell through because of the appraisal, but they continued to come up with reasons for delaying the new loan request. Also, between loans they where inconsistent on how to lock in the interest rate. The XXXX loan was through a form, the new loan with Seller needed to be locked in via email. 

Now due to my contract with Seller, I have no options to protect myself from this Lender and have to continue the process no matter what the Lender decides to do, even at closing. Of course, I 'm sure the Lender was completely aware of this when I tried to dispute my case with upper management for a reasonable resolution.
On Friday XX/XX/XXXX, I tried to create an account on the Social Security website. The website asked me a series of identity verification questions that I later learned are generated by Equifax. These questions referred to " may '' have accounts of various sorts ( mortgages, auto loans, retail cards ) which I do not have and in some cases have never had, and I know this with certainty. In addition, the street address question didn't list a street name that even remotely  resembles a place I have ever lived. 

To troubleshoot this I tried to obtain my free Equifax report - assuming it would list a series of wrong loans that were generating the questions. Or perhaps, it would show that I was a victim of identity theft. The XXXX site, however, asked me _the same exact questions_ which of course, I was unable to answer. I then spoke to person at Equifax who was able to verify my identity - but could only mail the credit report to my home. I then ( because I was in a hurry ) paid to get my credit report ( they had no trouble verifying my identity when I was paying ). Interestingly, the credit report did not show any of the loans that were referenced in the erroneous questions. 

In the meantime I submitted a complaint about the erroneous questions, because I still want to create an online Social Security account. I left a voice mail at their department that is responsible for generating these questions, which is apparently in XXXX. As of XXXX, XX/XX/XXXX, I have not heard back. In the meantime I tried the Social Security site again, but it once again asked wrong questions about non-existent loans or inaccurate street names. 

It's clear the Equifax 's question generating software is wrong. This is depriving me of the opportunity to get an online Social Security account, and thereby requiring me to go to the office in person, which is a significant time expenditure for me. It's surprising to me that Equifax is allowed to have this contract for identify verification when its software is so clearly flawed - especially in the aftermath of the cyber breach. I did not have any similar problems with the other providers ' sites.
I am writing in response to Ditech Financial LLC 's recent initiated foreclosure action against me. 

This is a rather shocking revelation since I am current on all monthly mortgage payments. After conducting an extensive audit of all mortgage payments to Ditech in XXXX, it was revealed that Ditech was overpaid {$2500.00}. Numerous, certified USPS correspondence mail was sent to Ditech detailing the payment history as well as identifying the overpayment. There was no answer by Ditech. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Ditech was sent Qualified Written Requests in order to conduct an audit of their records. To date, Ditech has not responded, violating their legal obligation under the Real Estate Settlement Procedures Act ( RESPA ). Accordingly, I seek the remedies afforded me under RESPA in the amount of {$2800.00}. 

This is not the only transgression by Ditech. Throughout XXXX & XXXX Ditech has been : Misapplying my mortgage payments to the wrong account. 
Failing to renew my Homeowners Insurance on the property and instead initiating a " forced-place '' policy that only paid the balance on the mortgage and did nothing towards replacement of the dwelling or other personal property destroyed or damaged. Such activity violates state and federal laws, including the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX A recent case against XXXX XXXX XXXX and its mortgage servicing agent, XXXX XXXX XXXX, resulting in a large settlement for the plaintiffs. For reference, this case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida, No XXXX. 
Charging late fees even though I am current on mortgage payments. 
Engaging in coercive collection practices and falsely claiming that certain amounts are due. 
I am in possession of the evidence to prove all of the aforementioned claims.
On XXXX XXXX 2017, around XXXX, my brother in law and I went to Key Bank to open a saving account. I carried a total of {$120000.00} cash ( which included 4 bundles, {$30000.00} each ) I handed to XXXX the first bundle and wished to deposit to my account. XXXX XXXX and XXXX guided me into the Branch Manager 's office to go through the transaction. XXXX went to retrieve the money from counting machine, which showed only {$29000.00}. She then informed me that the first bundle was short of {$500.00}. She carefully divided them into {$5000.00} each stack and gave them back to me. 

I then gave her the rest three bundles for the total of {$90000.00}. Meinast counted out this amount, but she did not place this in front of me, she placed it off to the side, instead. 

I told them that I wanted deposit {$100000.00}. I gave XXXX XXXX XXXX stacks, that XXXX gave to me earlier, that were {$20000.00} more to deposit into my account. She turned to me and asked how much I wanted to deposit into my account. She asked this knowingly that I had given her the wrong amount of money. I repeated that I wanted to deposit {$100000.00}. After this confirmation, neither employees presented my money in front of me, but instead, they both go to the back area of the bank for around 20 minutes. 

XXXX printed out and handed me the receipt for the transaction. On the receipt, the transaction was only for {$100000.00} even though I had handed over to them {$110000.00}. They did not give me back the extra money that I did n't deposit. 

When I left the bank, I had realized that both XXXX and XXXX had taken my remaining money. I could n't confront them because the bank was closed for the day and was also closed the next day due to XXXX 's XXXX XXXX. 

When I arrived home, I immediately called the bank. The male whom answered the phone did not identify themselves, I told my situation to this person and he said " I do n't think so. '' On Monday, XXXX XXXX, I returned to the XXXX Key Bank branch to speak to the XXXX. I was only able to introduce myself before the XXXX started yelling at me to leave the bank. He said that a lady will contact me whom has the clearance to view the cameras within the bank. 
This person calls me and then tells me that the footage on the cameras only showed that I handed to XXXX and XXXX only {$100000.00}. I had asked to speak to XXXX, but the branch XXXX told me that she had taken the day off due to sickness. 

On XXXX XXXX, I called XXXX to file a complaint. The phone operator that I had spoken to told me that they had emailed the branch already concerning my case. They suggested that I go back to the branch as they had already received the email. 

On XXXX XXXX, I returned to XXXX Key Bank to state my case again. Neither XXXX or XXXX were there but I was met with XXXX. After telling XXXX my situation, he told me that he could n't do much to help me. 

In conclusion, I had given XXXX {$10000.00} extra and instead of returning that amount to me it has gone missing. I lost {$10000.00}.
I am complaining about OCWEN loan serving. My loan was sold to OCWEN in XXXX XXXX. My first payment was sent to them on time. Two months after they send me a notice stating the previous lender claimed I had not made the last XXXX payments. I sent copies of cancelled checks, and bank statements to prove I had paid them. They send me a letter stating they were satisfied. Two months later they start all over. I sent them again. Then they came back claiming I owed money from a bankruptcy chapter XXXX. I had the trustee from Texas send them information stating I had satisfied all paid money due to previous mortgage company, and nothing was owed. I was then sent in XXXX XXXX a foreclosure notice with a date to sell off my home in court the following month. I haired an attorney to stop the motion, and he immediately sent a no trespassing order, and tried for months to communicate with OCWEN. I even set up bi-weekly phone calls with OCWEN to try and resolve the matter. Then suddenly they state I owe XXXX from my XXXX mortgage, because they were posting payments to my second mortgage for 8 months. They reversed it back the my XXXX mortgage, but also took escrow to pay insurance and taxes first even though I had been paying entire note with escrow fees for both XXXX and XXXX mortgages. The attorney removed himself from the case and gave my money back. OCWEN offered loan modification but I did not qualify, and they would not refinance my loan. I still fought with them. In XXXX XXXX they started refusing payments from my XXXX mortgage and was threatening foreclosure again. They told me if I paid the XXXX I owed they would stop it. I hired a real estate attorney, and he stopped proceedings. The XXXX court hearing that was set up and they were certified notification they did not show up and it was rescheduled and then cancelled again. I have spent XXXX in legal fees and nothing is being accomplished. Before all of this started I was in the process of refinancing my home, I was paying around 22 percent interest, and was going to get a 4.5 % rate, but because OCWEN claimed I was behind 3 months I could n't get it refinanced. I am trying to sell the home, and they agreed to let me, but now they want me to start paying some bogus amount till I do. I filed for chapter XXXX to keep my home after Hurricane XXXX, to provide a roof over my college age daughter expecting a child, and myself. I paid everything back that was required from me. I bought the home in XXXX for XXXX, and now owe XXXX. In reality I should owe around XXXX on the home. This has been nothing but stress, and nothing is being resolved. My advice to anyone is if your mortgage is sold to be serviced by OCWEN you better get away from them. I have paid XXXX for a house I am being faced with losing. These people get away with this. Not only that they will not post payments for days after they receive them when paid in