WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, On my auto loan with Mercedes-Benz Financial Services, there is an incorrect mark on my credit report that shows I was 30 days late on a payment. This is not true. I had spoken with an MBFS associate on the phone to set my account to back to auto pay, since I had disabled it. This associate said they would do so for me. A month later, when I noticed their mistake that it had not been done, I promptly made payment - as my record clearly shows ( I have 5.5 years and 3 different accounts with them with perfect records ). I called back in a 2nd attempt to remedy the problem and get my auto pay set up, and ONLY THEN was when a different associate told me that the auto pay needed to be completed on a written form. My record with MBFS is outstanding and I hope you can help me resolve this simple misunderstanding. I was taking means necessary to rectify the situation as it was happening, but was misguided by the first employee I had spoken to. I have tried to dispute this with the company, as well as dispute it through XXXX  but have this issue has not yet been resolved. 

Thank you, XXXX XXXX XXXX
XXXX WRONGFULLY discharged a XXXX BALANCE SUBMISSION TO XXXX, was handed over to very UNPROFESSIONAL acting Debt collection service company called " Professional Credit Service '' of which whom made threatening harrassing phone calls, NEVER ONCE ADMITTING TO MAKING THREATING CALLS, BUT DID N'T EVEN BOTHER TO LOOK AT A XXXX BALANCE BILL!! INCREDULOUS! XXXX FINALLY MADE RIGHT THEIR WRONG, BUT PROFESSIONAL CREDIT SERVICES, STILL HARRASSING & VERY WRONG IN THEIR ACTIONS, OWES " ME A PAID IN FULL NEVER OWED CREDIT IN FAVORABLE STANDING LETTER AS PER XXXX LETTER STATES '' OR LEGAL ACTION PENDING WILL BE CARRIED OUT HENCEFORTH!
On Friday, XXXX XXXX, I deposited a check totaling {$1900.00} into my Chase savings account. On Monday, XXXX XXXX, the check cleared and the funds were posted to my account. I then called Chase bank and spoke with a customer service representative. After a five minute recorded conversation, I was assured by the representative that the check had cleared with no problems. 

This morning, I received a notification from Chase bank that the check was returned and my account was now {$1800.00} overdrawn. After speaking with Chase customer service twice more, I was informed that the check was " altered '' and that the funds were no longer available. 

After I explained to the supervisor how I had already called the bank to confirm the check was cleared, the only response was apologies and a promise train their customer service agents more fully.
Southwest Recovery started calling my cell phone in approximately XXXX 2012. The first message said, " We have your social security number on our desk, it will be turned over to our attorney unless you call back before XXXX today! '' I called and they said the debt was for another person, it was n't my debt. Further, I found it was my husband 's ex-wife 's attorney bill. Her name is on the account. I received more calls & would select the option for " do not call, I am not the correct person. '' I even got a call after midnight. I have a screenshot of the phone call.
Coinbase is holding all my virtual balance due to a problem in their database for more than 72 hours. The support service does not answer any email or direct message via XXXX. I think this service could be a scam. I 'm triying to contact support since the incident occured, but no answer : XXXX XXXX XXXX, 2017. They are holding XXXX XXXX. And I got an automatic case number : # XXXX They have a lot of users complainings in their community forums and Coinbase are ignoring us. XXXX XXXX XXXX
My wife and I have been involved in a suit against Ocwen for the third time, along with an illegal foreclosure, they have also, been crediting our account late in nearly every instance up to over 30 days late, never receiving a statement as to how they posted the checks, and playing with the numbers on our escrow. We continued to pay on the mortgage until they returned our check and would not accept any payments till the shortage was satisfied. The payments were in excess of what Ocwen originally set at the previous closing which we knew was not enough to fulfill the escrow requirements. Ocwen also would n't let us make payments on line, so when we discovered the payments going out of our checking late, we started sending them certified return receipt. Both first and second mortgage payments were mailed together. The list goes on and on! We are hoping that you can intervene and assist our attorney in settling this matter which has thus far cost us in way excess of {$30000.00}. They have kept us completely in the dark as to our mortgage, and has kept our property in hawk for the last 9 years. We have had mortgages all our life and have never been treated like this! We currently have a lawyer trying to settle this, but it seems like it just keeps going on and on. 
Note that our attorney has a telephone conference with them and a Judge to resolve this however they are not offering nearly enough in compensation, and we have applied for a new mortgage in order to rid ourselves of dealing with OCWEN. The time line is very close the telephone conference is on the XX/XX/XXXX and the bank is waiting on the finial appraisal. 
XXXX and XXXX XXXX
Syndicated Office Systems is attempting to collect a medical debt ( {$440.00} -   XXXX   2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Syndicated Office Systems fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all   XXXX   credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
I am a XXXX year old female who was attempting to apply for refinancing my home. Quicken Loans would not progress with the application until I provided the names of any ex husband as well as the dates I was married to them. I claimed sexual discrimination explaining that the last marriage was 27 years ago. They would not proceed until the information was provided.
A company called " West Asset Management '' entered my phone number into an autodialer simply based on the similarity of my last name ( a common name ) to that of the debtor they were trying to locate. 

The autodialer voice prompts include an option to indicate that the debtor can not be reached at this number, but that prompt has been XXXX or is not functioning. 

When called back, an agent refused to identify himself or the company her represented. When called back again, an agent did identify their company, but refused to acknowledge they were a debt collector.
I 've had excellent credit and in a strong financial position for over 15 years, however for the past 5 years I 've been unable to refinance my home. On several occasions I was told by the bank my loan did n't qualify for refinance and I had to be behind in payments to apply for HARP or other assistance program. After losing my job 3 years ago, my income decreases greatly. I exhausting most of my savings and had no choice but stop making payments to begin the HARP process. In the mean time I browed money from my retirement to pay mortgage when or if they approve me. It has been over 90 days and I was informed by my representative that my file has n't been reviewed. After expressing my concern about the process and what this has done to my credit score, I asked that they remove the 90 day or place an explanation on my credit report. As a self employed individual, it is very important that I maintain the excellent credit I had before starting this process. My representative filed a complaint to his supervisor to addressing my request and concerns as well as ask that my case be expedited to a supervisor in the underwriting department for review. I 'm very concerned that I now have a 90day on my credit report because they have n't reviewed my case, and they can still deny me for the HARP program.
I have submitted XXXX letters demanding verification of debt and this company replies by stating they have verified the debt and are satisfied it is mine but I have not received any verification documentation as allowed by law. They continue collection efforts by continuing to report a negative account to all credit bureaus. They have deliberately ignored my validation requests and continue the collection process on an account that I do n't own. They refuse to provide me with any document containing my signature or any other information requested in my validation requests. They have added a notation to my credit report indicating my dispute and the fact the dispute is invalid as they have validated the account in house.
I send out a dispute letter with Equifax which the received on XX/XX/2017 and I never received anything back of their investigation. I sent them a Letter to inform them that I was sending them a copy of my letter and they are not in accordance with the 1629e ( 8 ) of the dept collection practice act. I also sent out letters to XXXX and XXXX and received an investigation response but nothing from Equifax
XXXX use my identity and share my information with another person and there is 16 unauthorize hard inquiries on my credit report.My credit scores is around 500. 

Also XXXX and Experian has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XXXX XXXX it was discharged on XXXX XXXX by Federal Judge.
I am the Borrower, XXXX XXXX XXXX. I reside in XXXX XXXX, Texas. 

In XXXX of XXXX, my business and affiliate self-employed business shut down. Within a few days of this hardship event, I contacted the lender of my mortgage ( as I thought to be at the time holding my Note and Mortgage ), XXXXXXXX XXXX XXXX XXXX with Loan # XXXX ), and further advised that my income had been severely diminished ( for a short period ). XXXX XXXX XXXX XXXX   representative received my application on or about XXXX XXXX and denied my application in less than 5 days from submission. Further, this lender ( their servicer ) never EVER responded to my formal QWR certified and mailed months ago. This is a federal violation of law. As importantly, I had been requesting a modification for many months between on or about XX/XX/XXXX and XXXX of XXXX, with no response from my servicer of the lender, US Bank.

12 U.S. Code 5219a provides that a borrower such as me has remedy rights and federal and state statute proper recourse to pursue a merit/income decreased based loan modification under certain circumstances, that I qualify for, by which my servicer and lender unequivocally did not comply with federal ( RESPA, Regulation Z & X ) and state guidelines under Mortgage Foreclosure law. Further, this lender and servicer is comfortable violating federal and state laws, as they feel I have no recourse nor a credible enforcement agency to seek equity or justice, based on the XXXX Administration. I disagree. There are over 40,000 government employees committed to the injustices pressed down upon good law abiding citizens by money-funded private bankers who never seek a voice to be heard by a homeowner, such as me. 

I seek a formal complaint against XXXXXXXX XXXX XXXX XXXX and will pursue every legal remedy to obtain justice and equity and fairness.
I've contacted TransUnion several times about erroneous information being reported on my credit file. I sent a letter on XX/XX/2018 requesting the method of verification used to verify the erroneous Public Record showing on my credit file and TransUnion failed to respond adequately to the request. 

I'd previously sent documented proof from the Clerk of Court - US District specifically stating that absolutely NO information is shared with credit reporting agencies whatsoever. So TransUnion purchased this data from 3rd party most likely the XXXX XXXX which has no way to validate or verify the accuracy of the information. 

The erroneous public record has caused financial ruin, and devastation as a result of the TransUnion 's refusal to follow Federal Credit Reporting Act ( FCRA ) Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. See Attached Letter as Evidence of this statement. I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well. 

TransUnion can never provide evidence that it received this information on a Public Record from the Original Source - the US District Court. TransUnion most likely purchases data on bankruptcies from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX   does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. 

So perhaps for the reasons and laws above this is why TransUnion was unable to address the simple Method of Verification request because there are no lawful means of verifying this information that is in compliance with FCRA. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Wells Fargo has been reporting to the credit agencies that we have missedmortgage payments and are delinquent. The reporting of this information by Wells Fargo is an error and is false. As victims of XXXX XXXX, we were told by Wells Fargo that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. After several months of the forbearance, we started to make our usual monthly payment. Shortly thereafter, we received notification from Wells Fargo that the entire balance for the months of the forbearance were due in full. We continued to make our monthly mortgage payment, however, the payment was being applied to the first month of the forbearance, thereby, making it appear that we were continually missing payments. 

When we called, we were told by Wells Fargo that the information we received regarding the repayment of the forbearance was incorrect. Wells Fargo stated that this was the result of inaccurate and misinformation being administered by customer service. In an effort to administer aid to XXXX victims as quickly as possible, customer service was not fully knowledgeable of what procedures regarding forbearances were permitted and how repayment was to be handled. 

For the months we were given the forbearance by Wells Fargo the funds were used to repair the residence. This was necessary because FEMA did not provide any funding for over XXXX months. When we received the final payment from FEMA and paid off the contractors, the funds remaining were used to catch up with the payments missed as a result of the forbearance. By this time, our credit report indicated that we had missed eleven mortgage payments. We have made numerous phone calls and even have written a letter to the office of the CEO, to try to resolve this error to no avail. It can be verified that prior to the authorized forbearance by Wells Fargo, we never missed a payment nor were we ever over XXXX days late.
My husband and I decided to go get a car in XXXX XXXX. We were approved for a loan with a lender by the name of XXXX XXXX XXXX. We received our car and have been paying our car note ahead of time every month. At least 5 days before its due. In XXXX like every other month, I made a payment on XXXX XXXX, XXXX. I paid on XXXX online payment center and received a confirmation email that the payment was successful. On XXXX XXXX, XXXX I received a call from XXXX stating that they are now my new lenders. I never received a notice or any warning that my loan was being sold. That 's neither her nor there. They advised me at that time that they have not received my payment for XXXX XXXX. I advised them that I had already paid XXXX. They told me that they acquired my loan on XXXX/XXXX/XXXX and that they probably just had n't received my loan yet. So they told me not to worry and that they would reach out to XXXX. Innovate loan company has been calling me numerous times out of the week and I have constantly told them that I have already made the payment. I offered to send in a copy of my bank statement and also the confirmation email that I received. They advised me that it would not be necessary. On XXXX XXXX, XXXX after being told that they still have not received the payment I contacted XXXX personally and spoke to XXXX XXXX to check on the status. XXXX informed me that they have already sent the payment electronically and no one from Innovate Loans has reached out to them. I then contacted Innovate Loans back and spoke to XXXX and offered her a contact number and a contact name. She advised me that they are unable to make third party calls. I asked her if they do n't receive my payment in 30 days what would be the outcome of my account. She advised me that they would report to the credit bureaus that I am delinquent. That would be incorrect information. I then asked to speak to a supervisor. She transferred me to a supervisor, XXXX voicemail. I have called back twice a day and now only being transferred back to XXXX voicemail. I have not received a call back with a resolution or even options. I should not be held responsible for something I was not even aware of. Now my loan, car, and credit is at jeopardy. My next payment is due XXXX XXXX. I have looked for a corporate number and have been unsuccessful. The agents are very rude and very unhelpful. I will attach my bank statement and email confirmation to show that the payment was made. I just want this matter resolved.
This complaint stems from a decade-old foreclosure case, and specifically involves the attempted collection of a 'dormant ' mortgage debt. Ohio law is crystal clear that when a debt is not 'executed upon ' or 'renewed ' within a five-year period, the debt is considered dormant, and the lien is extinguished. Ohio law further defines the 'execution ' of debt to as " a process of court, issued by its clerk, and directed to the sheriff of the county. '' ( XXXX XXXX ). In my case, there was no 'execution ' as defined above, nor a 'certificate of judgment ' renewed during the period of time from XX/XX/XXXX through XX/XX/XXXX. As such, the Summary Judgment issues by the Court of Common Please became dormant on XX/XX/XXXX. Nonetheless, on three occasions since that time - specifically XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - the alleged Plaintiff in my case file a Praecipe Order of Sale with the Court in what amounts to an attempt to collect a debt that I currently do not owe as a result of the statutorily-imposed dormancy. The specific statute is Ohio Revised Code 2329.07, which codifies when a Judgment may become dormant : ( A ) (( 1 ) If neither execution on a judgment rendered in a court of record or certified to the clerk of the court of common pleas in the county in which the judgment was rendered is issued, nor a certificate of judgment for obtaining a lien upon lands and tenements is issued and filed, as provided in sections 2329.02 and 2329.04 of the Revised Code, within five years from the date of the judgment or within five years from the date of the issuance of the last execution thereon or the issuance and filing of the last such certificate, whichever is later, then, unless the judgment is in favor of the state, the judgment shall be dormant and shall not operate as a lien upon the estate of the judgment debtor. One bankruptcy judge has explained the operation of these statutes as follows from In XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. Ohio XX/XX/XXXX ) : Execution and dormancy statutes are to be strictly construed. XXXX XXXX XXXX XXXX Ohio St. XXXX XXXX XXXX XXXX XXXX XXXX ( Ohio XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 13 Kan. App. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Okla. XXXX ).
Section XXXX  sets forth the only means in Ohio for preventing a judgment from becoming dormant. The clear language of the statute requires the issuance of execution or a certificate of judgment before expiration of the original five-year period to prevent dormancy.
Section XXXX  provides that in order to extend the effectiveness of a judgment beyond the initial five  year period there must be either execution or the issuance of a new certificate of judgment before expiration of the original execution or certificate of judgment. As a result of the above, the law is clear that the judgment is dormant, and any action to collect on the debt is a violation of state and federal law.
Equifax is allowing creditors to report false information on people credit reports. XXXX  has done the same investigation and these accounts were removed from my credit report however Equifax is reporting a false delinquency date to continue to report false information. I have two accounts in my report past the legal time frame. One for 10 years the other 7. I also have an account that has been paid that they want remove.
Conserve [ ( XXXX ) XXXX ] first called my work number [ ( XXXX ) XXXX ] on XX/XX/18 at XXXX. They told me they were collecting a debt, and asked if I could pay it today. I told them I'd be happy to talk to them on my home number ( which I gave them ) when I got home from work. She said she would call during my lunch break. I then told them I did not want to be called at work any longer -- I share one phone line with 4 of my fellow employees, and we need this line for our job. The person I spoke to said she'd add put a note in my file. 

Conserve called me at work the second time on XX/XX/18 at XXXX XXXX. I started by telling the person that I had asked for this number to be removed and that I did not want to be called at work. She said the previous caller must have forgotten to put it in my file. She asked me if I would prefer to talk during my lunch break. She then told me the amount of my debt and that she would soon report it to credit agencies. I told her, again, my personal phone number and asked that she call me there after work. She explained that she only worked until XXXX, so she had to call me at work. She said that someone might work after XXXX on some night ( she didn't know which ), so she would put that information in my file. 

I then asked her to mail me the information on the debt to my home address. She said they had already sent the information and that they would not do so again. I asked if she could email the information and she said it was illegal. Then she said she would call at lunch ( again ) and I  told her not to. I told her that I had already asked for my work number to be removed from their list and I'd be happy to talk to them on my personal number after work. She, again, told me that my credit would be damaged. She asked me if I acknowledged the debt and if I knew what it was. I told her that I did not, and I let her know that I did not want any more calls at work. 

Conserve called me the third time, this morning ( XX/XX/18 ) at XXXX. I immediately told the caller that I had asked for my work number to be removed from their list. She indicated that the previous callers must have forgotten to indicate that in my file. I asked, again, for them to call me after work on my personal number. She told me that they had just tried to call my personal number ( while I'm at work ) and didn't get an answer, so they called my work number again. I asked if she could assure me that I wouldn't get any more calls at work, and she said 'it should work. '