WillisBack/dataset-financial-user-claim huggingface dataset:
Today XX/XX/2018 ford motor credit treated to seize property today XX/XX/2018 had a tow truck man calling my phone non stop saying i was voluntary surrendering my car which i was Not had not talked to ford motor company about this. 

I have Been trying to work them and prevent them from continuing to ruining my credit. The refuse to treat me with respect refuse to let me speak to manger. Today some one from Ford credit threatened to sue and take me to court, used abusive language, called non stop at unacceptable times even calling family members. 


They have damaged my credit reporting late payments which is untrue the car was stolen and considered a total loss the insurance company had the car for over three months, i had To pay out of pocket for rentals etc. they said they would waive late fees now since the car was returned out of the blue from the insurance company, the car is not drivable, over 3,000 worth of damage to front & rear damage, not starting etc, & all they do is continue to harass me about payments but have not held the insurance company accountable for nothing. Refusing to accomadate me or help me and any way. They are being disrespectful, dishonest, unprofessional, constantly tearing down my credit, threating me and my credit, and acting if I am not a person only Money and Im willing to make arrangements to stop them & get them to remove this from my credit this matter has drove me insane and has effected me and so many ways. Ford has all documentations and know that the insurance company has been hard to get a hold of and hard to work with, has had the car for over 3 months and has refused to fix the car and i have Put in complaints against the insurance company as well. 

I have been in and out of the hospital for XXXX  and XXXX  XXXX, this has took a toll on me mentally and physically, and is not willing to work with me and any way. All i want is to be treated with respect and not harrsed not threatening, i want them to remove all negative payments from my credit report and work with me ...
On XX/XX/2018, I submitted a USPS Certified Letter, dated XX/XX/2018, that was addressed to EQUIFAX, because, on or about XX/XX/2018, I discovered that EQUIFAX had re-inserted two tradelines CHILD SUPPORT ENFORCEMENT and XXXX XXXX into my credit file that were originally disputed and deleted on or about XX/XX/2018. 

It should be noted that EQUIFAX choose to ignore and failed to respond to my initial dispute. To be specific, and according to FCRA 611-15 U.S.C. 1681i, EQUIFAX failed to provide me a letter in writing, a statement that the disputed information has been reinserted, not later than 5 business days AFTER the date of the reinsertion.

Proof that EQUIFAX did, in fact, receive my initial dispute : 1-Dispute letter, dated XX/XX/2018, that was addressed to EQUIFAX ( Page 1 and Page 2 ) 2-One US Postal Service-CERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX ( XX/XX/2018 ) 3-One One US Postal Service-CERTIFIED MAIL RETURN RECEIPT XXXX XXXX XXXX XXXX XXXX that was signed by EQUIFAX employee XXXX XXXX and dated XX/XX/2018.
I mailed out a Debt Validation letter to Macy 's On XXXX XXXX 2017. They responded but did not provided any Validation with my original signature. This account is impacting my credit score and is stopping me from getting a Mortgage.
On XXXX XXXX, 2015 between XXXX and XXXX, someone broke the glass of a friend 's back car window and stole my purse. It contained my Driver 's License, Debit Card, XXXX Credit Cards, approximately {$50.00} in cash, {$100.00} in gift certificates, my home keys, my business keys, and approximately {$50.00} in makeup. I immediately cancelled my credit cards and debit cards. The police were called and a report was filed. I noticed there were XXXX fraudulent charges pending the night of Thursday XXXX XXXX, 2015. I called Wells Fargo to notify them and I was told nothing could be done until the charges were no longer pending. I warned them that it would make pending bills I was in the process of paying ( sent checks in the mail and had auto billpay ) and was told again, there was nothing they could do. I was notified via email the following morning, XXXX XXXX, 2015, that XXXX fraudulent checks written to me were cashed and when they returned NSF, {$3200.00} was taken from my account. I called Wells Fargo again, and they labelled it as fraudulent to dispute the charges. I went into my local bank branch and they were able to print copies of the fraudulent checks and tell me from which branches they were cashed. I notified the police of the updated information the same day. I have notified the credit bureaus and a 90 day fraud alert was placed on my credit profile.
I started getting advertisement from lawyers about taking on my case and filing for chapter 7 or 13. I did n't know what was going on until I looked up the state court case with my name on it from Razor Capital on behalf of XXXX XXXX, suing/garnishing me for an old business account in which the bank is closed ( shut down ). I do n't even remember the debt.
Nissan Finance reported to the credit bureau that I am 30-60 days delinquent despite acknowledging that they received my paperwork late ( XXXX XXXX ). On XXXX XXXX, 2015, I purchased a 2015 Nissan Rogue at XXXX Nissan in XXXX, NY. I agreed to finance the car from Nissan Motor Acceptance Corporation. Approximately one month later, in XX/XX/XXXX, I still had not received a statement with my account number, amount of payment, and due date. At the same time, I received a phone call from a finance manager at XXXX Nissan ( XXXX, NY, the dealership which sold me the car ), asking me to return to the dealership to sign a document pertaining to the warranty. I asked him if this unsigned document was the reason why I still had n't received a payment statement from Nissan Finance, to which he replied that this document had nothing to do with the hold up, and that the statement should come at some point in XXXX. I never returned to the dealership to sign the document. Even though I received several phone messages to return to sign the document, nobody mentioned that the document was holding up my paperwork from being sent to the finance department. On XXXX XXXX, I received a phone call from Nissan 's Collection Department at XXXX informing me that I missed my first payment on XXXX XXXX. I called and spoke to an operator and explained that I did not know that I had a payment due. She verified that the dealer never submitted my paperwork until XXXX XXXX. She told me that since they did n't receive my paperwork until XXXX XXXX, that she would note that it was n't my fault. She told me that a statement had just been mailed on XXXX, XXXX XXXX and I should be receiving it shortly. I waited another week, and when I still did n't receive a statement, I called the same number again ( XXXX ) on XXXX XXXX, to inform them that I still did not receive a statement. This time the operator asked to verify my mailing address and he discovered that XXXX XXXX number was incorrect : I live on XXXX XXXX, and they were mailing the statement to XXXX XXXX. Since my address was corrected, I expected to receive a statement shortly after that call. But exactly XXXX week later, I still did not receive my statement. This morning, XXXX XXXX, 2015, I called the ( XXXX ) number again and asked to speak with a supervisor to find out what the problem is. I spoke with XXXX XXXX. She told me that I 've had the car since XXXX and I now owe XXXX. She said that she would waive the late charge and that it would not be reported to the credit bureau. I explained that I never received a statement, and that I had made two efforts to call to receive a statement. Today, XXXX XXXX, not only have I still not received my statement, but they have reported me as delinquent 30-60 days on my credit report, even though they acknowledged that they never received my paperwork until XXXX XXXX in order to send me my statement. I also do not think it is fair that I am behind in my payments already ( owing XX/XX/XXXX, XX/XX/XXXX, and almost XX/XX/XXXX ) all at once, when clearly the dealership did not submit my paperwork right away.
I have never been late on my UHEAA accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.
XXXX XXXX XXXX my XXXX XXXX XXXX was totaled in an automobile accident by XXXX XXXX XXXX. Odometer reading was XXXX. The XXXX was towed away from XXXX XXXX XXXX. Salvage title retained by XXXX XXXX XXXX. 

The XXXX was part of my Chapter XXXX Bankruptcy. The Bankruptcy was DISCHARGED XXXX XXXX XXXX. I paid off the balance of the payments mid XXXX XXXX. Well Fargo Dealer Services does know and acknowledges the BK Discharge but insists it must get a letter of confirmation from the Trustee, XXXX XXXX XXXX. There is NO WAY I could have gotten a DISCHARGE without paying off the balance of the remaining 4 or 5 months of the BK plan. 

Anyway, no amount of calls and complaints to Wells Fargo Dealer Services has gotten a LIEN RELEASE. Including a call to Wells Fargo " Office of the President '' which is a team of people who take complaints about Wells Fargo. They told me they have 15 days to respond and gave me a case number. The office of the Comptroller of the Currency gave me the Wells Fargo corporate number they have ... it is to a call center in XXXX XXXX, SD, who could not put me through to the corporate office. I did call the WF Corporate office in XXXX XXXX myself. Their answering machine says they are not taking calls ( no matter what time of day I called ). 

I still DO NOT have a lien release so I can get the insurance payoff for my totaled car. I need the payoff to purchase a car. My bankruptcy attorney has said that Wells Fargo has complicated several cases for different reasons and wished me " luck '' in dealing with WF. 

Please help me to expedite my XXXX automobile title LIEN RELEASE which I am entitled to!
Every time I try to make a payment, I receive this error message : " Sorry, we weren't able to complete your payment at this time. Please try again later. '' I contacted paypal, and I was told there is no problem with my account, but I still get the same error message.
I reached out to all three credit bureaus about multiple inquiries on my file from capital one 4 listed and XXXX XXXX and XXXX. I let them know that I have a alert that I must be called before issuing credit. I let them know that I have not been reached because number on file is incorrect and companies can not pull my file without notifying me. I asked companies directly about this and they always forward me to XXXX, XXXX or XXXX. ( Multiple calls ). I am sent back and forth and multiple calls with no appropriate help. I would like these inquiries off my credit report I feel like they should not run my credit without the proper permission. Please assist in helping me to remove these unauthorized inquiries
Ocwen Loan Servicing LLC offered a " PERMANENT '' modification for my mortgage which was for a specified a fixed rate ( not the current ARM ). The paperwork was to be sent back to Ocwen by XXXX XXXX, 2016 with the initial payment due by XXXX XXXX, 2016. I sent the paperwork AND the initial payment of {$410.00} by XXXX. It was delivered on XXXX XXXX and the payment was posted on XXXX XXXX as a " forbearance payment ''. Now Ocwen has changed it to a " TRIAL '' modification plan and sent a letter today ( XXXX XXXX ) saying I have missed a trial plan payment! Everything said the next payment of {$410.00} was due on XXXX XXXX, 2016. How could a payment be missed already, just 2 weeks later? I was to make a payment by XXXX XXXX and the next XXXX XXXX. They want XXXX payments now before XXXX XXXX. This is a bait and switch tactic and it appears they have been doing this for a while now, according to the website XXXX. Many Ocwen mortgage holders seem to have experienced the same thing, receiving paperwork that indicated one thing and then more paperwork saying something else, or seeing their account on the Ocwen website say one thing and seeing it changed to something else a day later! They are playing games with people.
I am unsure if what happened to me is a legit reason to be this upset but after trying to pay my bill in full part of my payment was declined so I was contacted again by the collection agency to take care of the rest. After asking if I could call my husband to make sure it is okay to make the rest of the payment I was consistently and rudely questioned as to why I needed to call him. I was shaking they were being so rude and I just could not believe they would not allow me to just call them right back. I understand they are a collection agency and need their money back but I felt like I was dealt with on an inappropriate manner.
I was given a of {$10000.00} from Best Egg financial institution. They deducted {$500.00} and deposited {$9500.00} into my account. My monthly installment payment are {$300.00}. I just realized the interest alone is {$250.00} from the {$300.00}. That means am only paying {$48.00} a month? That is outrageous, can you please help me I was not told read from any where that was going to be the rest. Am a senior citizen XXXX will retire next year, I can not survive on such a huge amount of interest rest. Please can you help me out. I know there is something wrong here. After 5year I will about {$20000.00} HELP ME PLEASE
The issue that I would like to bring to the attention of the CFPB is that Regions processes ACH drafts before the designated date specified on the draft. It has happened a number of times on my accounts at Regions causing overdraft fees throughout the life of my accounts there. When I question the reps in the call center about the issue, they can not explain why to me. 

Example 1 : Mortgages payments set to come out on XX/XX/XXXX. Draft was processed on XX/XX/XXXX. 
Example 2 : Most every week, I have a draft for {$200.00} for a daycare payment set to come out on Monday. It always comes out on Saturday mornings. 

I have learned what Regions does so I try to be prepared early for the drafts but this practice should not be acceptable for organizations such as Regions. 

Also, if you have a draft that is set to be deposited and it falls on a weekend, then you have to wait for the following business day for that to be deposited but they process the ACH drafts the opposite way and make it where it drafts on the last business day.
I have a mortgage through PHH ( account XXXX ) and I have fallen behind on payments due to my nasty divorce. I communicated with PHH trying to obtain some relieve to no avail. Case Manager was XXXX XXXX. I filled paperwork out twice and heard nothing back until they started talking foreclosure. I finally was able to borrow funds to cover the past due amount of my mortgage and when I tried to pay PHH multiple times during the past XXXX to eight weeks, they kept referring me to a law firm XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX. I tried communicating with the law firm several times XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ; XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX was no help as all she said was they were waiting on mortgage company to provide figures. XXXX XXXX said he would e-mail information when he received it and I received it on XXXX/XXXX/XXXX. I called PHH on XXXX/XXXX/XXXX and spoke to XXXX, a manager. He said the attorneys office have had the figures since early XXXX and tried to do a XXXX call with the Law Firm.. He advised that records indicated they sent me a letter with the figures about three weeks ago. I advised I never received the letter and requested they resend the letter. I still have not received the alleged letter. 
As mentioned above, the Law Office kept telling me to wait till I received a letter from them. I informed them I was trying to pay and still received same response. I received an email at XXXX on XXXX/XXXX/XXXX stating what I owed ( this amount with wording used was ambiguous at best ). They have included in the amount owed almost {$3000.00} in foreclosure fees. The letter was dated XXXX/XXXX/XXXX and gave me XXXX that same day to remit total payment addressed in that letter along with any additional monies that may be owed as I was directed to call attorney office for solid amount owed. This is unacceptable. It appears that they have employed delay tactics in order to charge me the foreclosure and attorney fees. I want to bring my mortgage current but feel it is not right having to pay the foreclosure and or attorney fees since I have been trying for 6 plus weeks to pay this current and have received the run around and conflicting information from PHH and the attorney firm they hired. Please help.
The reason for this complaint is they claiming that I am 2 months delinquent, when I have XXXX submit a check from my account every month. Every month my payment is always sent from my credit union. My credit union does not lie. PM does.
Good Afternoon, My name is XXXX XXXX and I am writing to finish my ongoing battle with XXXX XXXX on some unfair and unreasonable marketing tactics. To start off I have been at this for a while with them and as of late I was obviously distressed and upset and still am for the treatment I had been given from them when dealing with my two vehicles I had purchased from them. Some emails had been exchanged on my part that I do have to apologize for but I have been and still am upset and just was trying o get what I believe is fairly owed to me. I have made all of my payments on time and will becoming up on a year now and have nothing to show for my troubles. My Credit Score hadn't gone up and the way they financed my new vehicle they made out and was able to increase my interest rate because of no fault of my own. They did offer me a settlement which at the time I had planned to reject because I was to give up my rights and youldnt complain any further but wrongs done to me. So I did reject it but before I could I was contacted by XXXX from Customer Relations with the message that offer of settlement was rescinded due to my emails and them basically coming to the conclusion that no matter what they did I wouldn't be happy. Looking back I should have taken the offer but glad I didn't because I still have the right to complain about horrible situations this company has put me into. They offered me to give me my original interest rate I had on my 1st vehicle I had purchased back from me because of the mechanical issues that I was having and going back and forth with them that this vehicle shouldn't have never been sold to someone in the General Public. Not to mention money I had paid into my first vehicle I wouldn't see back because it was time that I waist that vehicle which I was ok with at the time but was understanding that my Onetime payments would reflect my new interest rate. First they said it did before it was deleted and got another answer all together afterwards. I want what is fair tired dealing with this company by myself I was told even though the CFPB has no legal opinion in matters but could help me the customer who has been done wrong by a company who clearly takes advantage of consumers that have horrible credit and expect them not be able to fight back.
Collection Agencies Account Receivable Solution and XXXX XXXX XXXX, Respectively under XXXX XXXX XXXX XXXX / XXXX. There are XXXX accounts the first list now as ARS for first mentioned company of the total for XXXX and the other XXXX are with XXXX for second company mentioned for amounts XXXX & XXXX. Both companies are XXXX XXXX XXXX XXXX. Who which when I first was seen for XXXX, I had medical insurance through my state of California. I gave the Hospital my insurance information at time of services, and nurse came back to my spouse 6 times, discussing how she was going to put the insurance in the system. We were assured that the insurance was on file. The Hospital has yet to send me a bill in the mail and the same goes for the collection agencies for the debt which should of never been handled in such a manor. On XXXX/XXXX/2016 when I found out about all of the debts I spoke with the CFO of XXXX XXXX XXXX XXXX, XXXX XXXX. She verified my insurance information in the system and what I had sent her from the state of California for the tax year sheet given for tax purposes. Thus far XXXX XXXX has yet to return a call and I have left numerous voicemail 's to get this handled properly. Subsequently since my phone conversation with her in which my spouse had to take over since she was being extremely aggressive towards me, every time I speak with a rep after our only phone call now there is no information of my prior insurance on file. Secondly, the XXXX collections agency have never sent any correspondence to me at my mailing address in their systems. They have however pulled addresses from my credit report and have sent mail to those addresses, which is an unauthorized since my current and permanent address is on file. Thirdly, the hospital has stated that this collections was for a individual pay which is not what I was told in the beginning of my journey to rectify this misconduct. For what I am seeing in my search for a resolution I am seeing that this hospital has no concept of medical coding when it comes to stuff they are not used to.
I have sent and writing multiple times asking Experian to verify the information they are reporting is corrected with the actually signed contract. They response is they will not re-investigate and they verified as correct.The 609 law stated that they have to have actually proof that its mines and provide me with that. They have failed to do so. I even sent in Identify Theft form for one of the accounts. The accounts in question is 1.XXXX XXXX XXXX  2 . Bankruptcy XXXX 3. Bankruptcy XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX
XXXX XXXX XXXX XXXX account number XXXX See attached documents. This account should read XXXX balance and CLOSED. 

The attached are from FEDERAL BANKRUPTCY COURT. Signed by a FEDERAL Judge. 
Failure to properly note credit report is violation of FEDERAL LAW! 
This is solely on EQUIFAX not XXXX XXXX. 

EQUIFAX will be reported to XXXX XXXX Bankruptcy Trusteee and Magistrate if this inaccurate information is not corrected. LOOK AT THE DOCUMENTS ATTACHED!!!!!! 

They are from FEDERAL COURT. They Trump any documentation by XXXX. 

The ACOUNT SHOULD read CLOSED and XXXX balance just like the DOCUMENTS FROM FEDERAL COURT!!!!!!!!!!!!!!!!!!