WillisBack/dataset-financial-user-claim huggingface dataset:
I just read a case against Security National Acceptance filed by CFPB on a service member and it states that SNAAC is not supposed to get into any more problems with the service members but here I am an XXXX military who got an auto loan with them. In XXXX of 2015 I filed for bankruptcy which was discharged in XXXX of 2015. I am attaching the email from the Judgement Administrator at SNAAC who stated very clearly that she received the court documents and I am retaining my vehicle. I took that email as confirmation and have been making payments to SNAAC for the past one year on time. SNAAC has not been reporting any payments to the credit bureaus and upon asking I got told that oh it was discharged in bankruptcy. I have made payments to SNAAC for the pat one year. I have been arguing with them about this since like XXXX of 2015 when I first found out about this. No response, no resolution nothing. My credit score hurting, did not get approved for any auto loan anywhere till yesterday finally with a high interest rate, a security investigation going on me with the military and no positive accounts reported in the credit bureau which may affect my clearance with the military, I am not getting any response from SNAAC they never email or call me, customer service representatives are very rude and they tell me they can not do anything and they always transfer me to XXXX XXXX the current Judgment administrator who never answers her phone or gets back to me. So I have one year of payments not reported to the credit bureaus which has affected my credit rating, no credit card approvals an auto loan approval with a high interest rate, the metal torture Im going through right now, the time I waste in contacting and looking for answers with no resolution.
I was sent a letter requesting payment for tolls incurred by a XXXX registered vehicle in XXXX in XXXX. I have been a XXXX resident since XXXX XXXX and have not owned a vehicle registered in Florida since them. The request letter came from a big law firm located in XXXX and XXXX ( Linebarger Goggan Blair & Sampson LLP ). It disturbs me that they can send out debt collection letters to people without having to verify any information. In the meantime it has cost me considerable time and mailing costs to respond to their request. I read of similar complaints on XXXX ( people who lived in other states, some that do not even drive ). I did verify that the state turned over the debts to this law firm. Disappointing to see a law firm not verifying ownership before sending out their letters requesting payment.
I learned that when I first received my loan I was called a week after and told by the agent that he was sorry that he put me in a bad loan and after 6-8 months I should refinance my loan as quick as possible. With all of that said and the attorney that I was working with also said it after the fact that it was n't any good. I have been trying to get a modification on my loan for the longest. I have went to several different people that said they could help me withe modification but only took my money and did nothing. I have also went to attorneys to seek legal help and they too only took my money. I have been seeking help for some time and every time some one tells me that the bank is going to give you the modification they turn it over to another server.My loan has been turned over to about XXXX different servers that at one point has said yes and then given it to another server to say no. 
And from my understanding no one is supposed to be paying for a loan modification but yet I have been paying thru the nose. The attorney that I have now has put me in a chapter XXXX and I have been paying the trustee and was paying good faith payments and the attorney said that I have a modification, only to find out a week later that it was turned over to another server and they said no that they will not give me the modification. He then told me that maybe I was XXXX XXXX and the banks can do whatever they wanted to do! On top of the trustee paying him {$18000.00} to do a loan modification. I really need someone to help me with this. How is it that the trustee is paying him all of this money to get a modification? Plus they want me to pay them XXXX for when I stop paying when they transferred the loan to the other server and {$14000.00} for the taxes that are due right now.
I have reported several issues with my credit file and Experian refuses to correct. They also prevented me from performing an online dispute ; 1 ) XXXX status date should be XX/XX/XXXX and not XX/XX/XXXX since the vehicle was sold in XX/XX/XXXX 2 ) XXXX XXXX - missing on time payments that were reported from XX/XX/XXXX to XX/XX/XXXX. 
3 ) XXXX XXXX - lease paid in full prior to filing - status date XX/XX/XXXX and not XX/XX/XXXX this would re-age my account drop off date. 
4 ) XXXX XXXX - account was closed charge off ( noted on report ) XXXX prior to Chapter XXXX filing. Status date should show XX/XX/XXXX and not XX/XX/XXXX. Having the status date of XX/XX/XXXX would reage the drop-off date of the account. The comments should indicate date of discharge not status date which they are using to calculate my time since late for financial institutions in credit scoring. Time since late = 16 months - which is not correct for all accounts they have listed ( XXXX ). This is negatively my ability to rebuild my credit and obtain credit after filing. It is also affecting my interest rates. Experian has also blocked my ability to dipute these issues online.
I was surprised when reviewing my credit report and found a late payment on the date : A 30 day late as of XX/XX/2017. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I received notice from a debt collecting law firm on XXXX XXXX stating that a law suite was being filed against me for a debt I owed to a creditor by the name of XXXX XXXX in the amount of {$8100.00}. After receiving this letter I pulled my credit report only to find that this bank reported this debt and charged it off as bad debt. After putting together a dispute letter to this law firm requesting validation of the debt, I was served with a summons and complaint on a debt that I know nothing of nor did I ever sign for any debt with XXXX XXXX. I will be answering my summons and complaint immediately because they did not submit competent evidence bearing my signature that I ever had any contractual obligation to pay this bank.
My mortgage was sold to a company called SLS ) Specialized Loan Servicing XXXX in XXXX of 2015. Since that time they call my home multiple times per day, almost everyday. Sometimes XXXX right after another. My account is not in arrears, my information is current and they have all insurance documentation. I have repeatedly asked them to stop calling. I have also faxed them a cease and desist as they requested. The calls have not stopped.
1. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent. 
2. XXXX XXXX XXXX Bank XX/XX/XXXX did an inquiry on my report without my consent. 
3. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent. 
4. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent.
XX/XX/XXXX 2017 a new collections was open to my name. I checked my credit score 2 days ago XX/XX/17 because my credit score had gone down tremendously. The collection appeared on my credit score on XX/XX/17. I was never notified in writing/phone call that I owed this to this phone company. If it was n't for me checking my credit score I would n't be aware of the collection. My phone company never told me I owed money to an old account as well.
I spoke to Aldous & Associates " Attorneys at Law '' I have been getting harassing calls since XX/XX/2016.. Today I called in wanting to inquiry the validity of the debt requesting more information man named XXXX identified himself as the supervisor was very rude, kept demanding balance in full before verifying validity of debt. He was very argumentative, denying me speaking to someone else, denying request for validity of debt. Verified wrong address, would n't let me discuss kept saying well that 's what fit for life sent us. XXXX also denied me speaking to another supervisor, was over talking me, I could n't believe a person representing this company speaking to me in the tone he did, it really surprised me knowing he represents attorneys at law knowingly and willingly violated several laws regarding collections..
Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with XXXX ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting  corrected. Their incorrect reporting has caused denial in employment. I was assured the errors would be corrected asap.  The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" XXXX sent a 1099-C in XX/XX/XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently XXXX/XXXX XXXX is in violation of Federal and State of Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge. 
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX.  All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again  if needed. 

Copies of bureaus incorrect reporting is attached.
Paragon Revenue Group has continually harassed me through repeated phone calls. The associate XXXX has threatened me and has spoken harshly to me when I requested time to investigate the charges I allegedly owe to a medical bill.
I am experiencing an issue with Loan Servicing company Seterus , Inc with respect to them receiving and applying my monthly mortgage payments. They have willfully limited my options with paying my monthly mortgage. This has now caused my payments to fall behind the due dates. On XX/XX/XXXX I attempted to make a payment through their on line payment service for {$2300.00} which would have satisfied my XX/XX/XXXX due date and make the loan current. The transaction confirmation # for the payment was # XXXX. Seterus Inc did not accept the payment. On XX/XX/XXXX I sent by overnight mail at my expense a second payment for {$2300.00} which would have satisfied my XX/XX/XXXX due date. Seterus once again did not accept the check which has now caused my mortgage to be late by 45 days. Seterus evidently now has given me 1 option to pay my mortgage which is by cashier check which is causing undue aggravation and hardship. I request the ability to make payments online through the Seterus website or by personal check.
EXPERIAN AND XXXX REPORTS A XXXX XXXX THAT WAS REMOVED 4YRS AGO NOW ITS UNDER XXXX XXXX XXXX. THAT WAS REMOVED FOR ID THEFT PLS REMOVE IT
The State of California law requires an auto loan is 24.9 % my credit report shows that Santander is charging me 27.9 %. My contract with Santander says 25.9 %
I filed Bankruptcy Chapter XXXX in XX/XX/XXXX it was discharged on XX/XX/XXXX and My Student Loan was included. Havent been in school since XXXX. But it reappear in XXXX, just found copies of my discharge papers. Ask Department of Education to validation of charges and wet ink signatures did not provide.
I have been going through this dispute for an extensive period. Key Bank has this debt listed twice on my credit reports, KEYBANK NA account number XXXX .... 
and XXXX Account number XXXX .... I never signed or knew of this account until my dispute. XXXX is the party liable for the account. Key Bank requested a notarized letter from XXXX, I have submitted several times, in which I have attached with her acknowedgement that this Key Bank account belongs to her once again. Key Bank requested a signature from XXXX which I did not have. It is unreasonable to request documents from that time frame.My signature remains the same no matter what documents I have submitted. I searched and searched and located the copy of my XXXX mortgage which had my signature and I sent Key Bank and attaching again. I have previously provided other documents which has my same signature. The only other documents I have are the documents from my deceased spouse and son which is dated XXXX and XXXX which is extremely private. I have submitted my property appraiser document which even showed that I have lived at my current address almost 10 years, which is my XXXX and my prior address is the address on my XXXX mortgage information attached. The address on your application is n't mine. I am exhausted all options besides legal measures in which I have consulted a firm. This is unbelievable.
XX/XX/XXXX = called at XXXX XXXX XX/XX/XXXX = called XXXX XXXX XXXX XXXX  and XXXX XXXX  XX/XX/XXXX called XXXX XXXX and XXXX XXXX all calls are to my cell phone XXXX which is on Do Not Call registry and at all hours of the night, they have called after i am asleep and after cease and disist times.  sometimes multiple times a day. the number does not return to anyone. i have contacted the main line for national credit and they are not sure this is them calling but that is wh pops up on my caller ID when I called they gave me information about the debt attached to my phone number without certifying who I was. If I had been fishing for information it would have been given easily.

caling from XXXX
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authothize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I am a guarantor on my son 's student loans.My son was laid off in XXXX 2015. He was unable to make his student loan payment. When he called, they said that he had to make his loan current prior to them helping him due to his unemployment ( they do not have a record of his call ). Normally, when he is late, I receive a letter within a few days of the due date. This time I did not receive any letters until XXXX XXXX when he was 60 days late. However, I found out that he was 60 days late, when I went to apply for a loan and my credit rating was XXXX points lower than it should have been. I made the account current. I called to have then correct the credit report and they refused to do anything. Citizens the holder of the note said that Firstmark Services was responsible for the credit reporting and Firstmark said that XXXX was in charge of credit reporting. I told XXXX that I had a complaint and they offered no help. I told Firstmark that I wanted to talk to someone about my complaint and XXXX # XXXX said that there was nothing they could do about the credit reporting. Finally after a very long conversation XXXX said she could send me a complaint form. XXXX said her system said that they mailed notices to me, I said that I did not receive notices. They have my email and they did not email me. I do not receive monthly statements. They said that they called, but I did not talk to them. XXXX acknowledged that they were unable to talk to me by phone. I do not know when his payments are due. They did not offer to send my statements. They pressured me to allow them to make phone calls to me. I refused. I said that they could email me or send me mail.
We have a savings account that we have had for many years. Never really checked balance but when we did XXXX or 4 years ago it was drained to zero. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX anT they confirmed that our account was being used to pay XXXX of there customers.they withdrew XXXX months and only gave credits for XXXX months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Please see figures below. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00}
money was taken XXXX to XXXX in the amount of $ 12-14 per month although the money was being deposited by the SS Department on a monthly basis that required no monthly fee. Bank of America has refused to return my money in the amount of approximately {$1800.00} I have written them letters to try and resolve this issue, but they refuse to acknowledge their errors.
I have been unable to get my Equifax credit report for two years now ( last report obtained XX/XX/XXXX ) because I am unable to get past the online verification questions, even though I answered them correctly. I never had a problem prior to XX/XX/XXXX, nor have I had a problem with XXXX or XXXX. I do not want to send my personal security information through the mail and they do not offer a phone option. My last attempt to get my Equifax report was today, XX/XX/XXXX.
My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX  ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am disabled and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.
We received a bill from XXXX XXXX in XXXX IL regarding a medical bill for visits. We eventually paid this amount using a XXXX/XXXX account. In or around XX/XX/XXXX we received a note stating the bill was sent to collections and we had 30 days to dispute. I immediately called Pro Com Services of Illinois Inc. and stated that I was disputing the validity of this debt because it was paid. The representative told me to get the dates of payment and she would check with the original debtor. She advised that she would contact me back. Assuming that valid or invalid we would receive at least a decision letter, I forgot about the debt completely after not hearing about it for months. Finally in XX/XX/XXXX while attempting to get pre-qualified for a home we found out that they had reported it to the credit bureaus the day or so before. The XXXX/XXXX provided the following information as well : Check XXXX was paid on XX/XX/XXXX and cleared the bank on XX/XX/XXXX in the amount of XXXX.
On XX/XX/2019, the law office of Peroutka, Miller, Klima sent a legal order to XXXX XXXX and had {$750.00} taken out of my account without my authorization and XXXX XXXX let them do it. Today on XX/XX/2019, the law office took out another amount of {$130.00} leaving me in the negative on my back account. I called both the law office and XXXX XXXX and they could not give me an answer of why I was not notified on this matter.
I had items deleted that came back on my credit today and I am trying to get them removes again and hopefully the will not appear again. This took place  XXXX  and now there back in  XXXX .
This is an attempt to nickel & dime me, this has been a problem for years. No one will return my phone call when they find out what has happen. This was an apartment I had while l in the military I never stayed in the apartment I was getting ready to XXXX  the apartment was for my return. This is a cleaning fee for a clean apartment. Liars ; at the time they said they found dog XXXX that is a lie I never stayed in the apartment I was getting ready to XXXX  to XXXX. I was hurt during training so I had to stay with a friend to take care of me until I was discharged from the XXXX. I even met with the maintenance man he cleared me, laughed because he said, well this is the easiest inspection I have ever had. I never moved in, this is on my credit report for {$320.00} dollars its a con.
XX/XX/XXXX I had been hurt at work and was unable too make payments on my XXXX Mortgage due too the fact workers comp. was not paying me .The bank started billing my line of credit. I have asked for a forbearance since XX/XX/XXXX they have lost the first batch of paper work then I submitted new paper work in XXXX. I have spoken too them and get the story it takes XXXX days for a answer. My first Mortgage has been modified with XXXX without a problem I think I have been lied too on how long it takes and believe they may pull some kind of foreclosure while i 'm still on XXXX
In XX/XX/XXXX I applied to Chase for a short sale of my home which has a troubled mortgage due to repeated unemployment. The decision on XX/XX/XXXX was non-approval for the reason " The property is n't occupied by the owner and has been rented for more than XXXX year. '' I had left the area for a business opportunity, returned, had a XXXX day gap between when renters would leave and when the buyers wanted to close and had no knowledge during the XXXX month long application process that I would have needed to occupy the home. The non approval has killed the sale and almost ensured foreclosure. I was told by the representative at Chase that the HAFA program, which allows short sale of a tenant occupied property, ended in XX/XX/XXXX. I believe that is no correct and that the XXXX deadline is XX/XX/XXXX and that Chase had an obligation to consider me for this when short sale was requested.
Unknown late payment XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$510.00} Balance Updated - Credit Limit {$2100.00} Past Due Amount - High Balance {$1200.00} Monthly Payment {$26.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments