WillisBack/dataset-financial-user-claim huggingface dataset:
FORD MOTOR CREDIT, ACCT NO. XXXX IS A COLLATERALIZED AUTO LOAN ACCOUNT APPEARING ON XXXX.FORD CREDIT IS THE LENDER AND ALSO FORD MOTORS IS THE MANUFACTURER OF THE COLLATERAL. 
I HAVE NOT PAID THIS LOAN FOR TWO YEARS.I WOULD LIKE FOR FORD TO REPOSSESS THEIR COLLATERAL, PER THEIR SALES CONTRACT OR I WILL RETURN IT VOLUNTARILY. 
HOWEVER FORD KNOWS WHAT I KNOW, THAT THE CAR HAS NO VALUE BECAUSE OF DEFECTIVE MANUFACTURING.NEVER SINCE XXXX XXXX WROTE '' UNSAFE AT ANY SPEED '' HAS THERE BEEN SUCH A LEMON AS THIS CAR WHICH WAS " XXXX IN XXXX '' .FORD USED TO BE A RESPONSIBLE COMPANY.NO LONGER DO THEY HONOR THEIR CONTRACT OR THE IMPLIED WARRANTY LAWS OF CALIFORNIA.WE HAVE THE CAR INTACT UNDAMAGED FROM USE SITTING ON OUR PROPERTY.THE CAR HAS ALWAYS BEEN UNSAFE SINCE MANUFACTURE.

FORD HAS 2 YEARS LEFT ON THE STATUTE OF LIMITATIONS TO SUE ME FOR NON-PAYMENT.I WELCOME IT. 
FOR FORDS REFUSAL TO HONOR THEIR LOAN CONTRACT I WANT THIS LOAN REMOVED FROM MY CREDIT REPORT FOR THEIR FRAUD ( SELLING AND FINANCING JUNK UNSAFE VEHICLES TO THE UNKNOWING PUBLIC. 
I WOULD LIKE XXXX TO DELETE THIS ACCOUNT FOR LENDER FRAUD, FOR FINANCING AND SECURITIZING A PRODUCT THAT IS VALUELESS.WE WILL NEVER OWN THE CAR, NEVER BE ABLE TO SELL IT, FORD DOES NOT WANT IT EITHER BUT THEY WANT TO RIP ME OFF, RUIN MY CREDIT INDEFINITELY AND NEVER SOLVE THEIR PROBLEM.FORD WANTS TO EXTORT ME USING THE XXXX CREDIT REPORT AS LEVERAGE AND THAT IS ALL THEY WANT TO DO.

I WOULD LIKE XXXX TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY FILE NOW AND LET FORD NO LONGER EXTORT AND I AM HAPPY TO RESPOND IN COURT.
BAD BUSINESS PRACTICE. Short billing cycle. Statement arrives late. No grace period. No balance ratio to fees. Assessed a {$29.00} fee, on a {$55.00} dollar balance, that was paid in full 5 days after due. Forty minutes on hold. Told no, no, no. Policy is to remove one fee in 18 months.
This company settled a lawsuit out of court with me and they are refusing to remove the supposed debt from my credit report. It needs to be removed.
Please demonstrate that the following inquiry appears correctly on my report : XXXX XXXX XXXX, XX/XX/2018. Otherwise, remove, in accordance with my Federally protected civil rights.
XXXX   XXXX    XXXX  , My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,   XXXX  , my report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract one.     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency appendix removal so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 busines s days for the investigation to be completed.      XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would tak e 60+ days  for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still  be 60-90 days before  my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
INACCURATE INFORMATION SHOWING UP ON CREDIT REPORT TAKING MORE THAN 30 DAYS
Wells Fargo Bank failed to fulfill its guarantee to pay any late fees associated with payments sent through their Bill Pay service that are delivered late. 
My mortgage payment was scheduled to be sent on XXXX XXXX, and was guaranteed to be received by XXXX XXXX. It was not received until XXXX XXXX. 
" If Wells Fargo does not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges that you reasonably incurred as a result, provided that your account was in good standing with the payee prior to this incident. ''
I had Macy 's account before. I always paid all the dues/charges I purchased at Macy 's but it always showed {$2.00} balance in the next month 's statement. I called and complaint this many times to them and finally I closed Macy 's account and never bought anything from Macy 's. 
But Macy 's showed these {$2.00} balance on my credit report and reverse effect my rating. It 's not right. I hope this authority can help me correct it. Thank you.
XXXX behind on mortgage due to loss of job and death in the family. Started modification process in XXXX XXXX. Every month since then they say that I am missing paperwork and to resend. I resend the missing paperwork and they continue to say that they did not receive it. I have all fax confirmations showing where the paperwork was sent in. I reached out the XXXX XXXX XXXX XXXX to help out with my FHA loan modification. They are running in to the same issue as me. They keep saying that they are missing paperwork. I showed all fax confirmations to the legal clinic. They were told by the mortgage company that they " may '' have the paperwork, but to resend it again so they do n't have to search. I was told that during the modification process the foreclosure would be stopped until a decision was made. However ; I received a notice of sheriff sale today for XXXX XXXX. I call on a daily basis to check up on the process and I always have to leave a message for " XXXX XXXX '' who is on an extended leave. Her voicemail says it is being checked daily and that all calls will be returned within 24-48 business hours. However, they never call back. Then when they do actually decide to call me, it 's only to inform me that all of my paperwork has " expired '' and to fill out and send in all the documents again.
I received a communication via mail in XXXX XXXX. I called on the XXXX to respond and request debt validation that I am allowed. The bill was for a gas company. A {$400.00} gas bill seems to be completely insane! The residence claimed is a single family home, how could a gas bill get THAT high? There has to be a mistake I originally spoke to a XXXX who was excessively rude to me and when I requested that all communication be written, she told me that meant a cease and desist of all communication. I tried to correct her but she would not listen at all! I requested to speak to her manager but she transferred me to a voice mail. I called back and got a hold of a XXXX who also refused to find a manager for me to speak too. I called back again and got a hold of XXXX who pretended like she had never spoken to me. I finally got a hold of XXXX ( a presumed manager ) on my 4th time of calling in. He talked over me and had an attitude about me requesting that he be polite. He refused to send me debt validation and told me I had to write in. No other collection agency does this. If you call in, they all will send out the required validation as it is a recorded line and it can be proven you request it. I asked him about the type of validation and had no clue what I was referring too. It was clear he does n't know FTC law requiring what consumers are allowed to request. He also tried to force me to admit the debt as mine though again, I havent even received validation! I asked for him to pull the call with XXXX and he just hung up on me. He did n't say he would look into the matter but just hung up rudely. I never raised my voice, but he constantly talked over me as I tried to explain the issues.
In XX/XX/2018 I got an online quote for insurance and was told my premium would be far higher than I expected. When I called the company ( I forget who ) they said Lexis Nexis had reported an accident under my name. I then obtained my report from Lexis Nexis and it had several accidents listed under my report. The people involved in the accidents are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX TX. I am not these people yet XXXX ( the agency who reported these people under my DL and SS ) refuses to retract the incorrect information and Lexis Nexis accepted their claim that I am the same person as XXXX XXXX XXXX in XXXX NY even though I have a completely different name and address, never had a policy with XXXX and do not own the cars listed on the credit report with Lexis Nexis. When I called XXXX, the representative was rude and unhelpful.
I disputed a charge with a merchant that sold me counterfeit and defective goods. Chase instructed me to contact XXXX to get their opinion that the goods in questions were counterfeit. Specifically, I was told that all I needed was a representative to confirm that the goods appeared fake. I contacted XXXX and was told by their representative that the merchant was not an authorized retailer and that the goods in questions looked counterfeit. I submitted this to Chase, but Chase then closed the dispute in the merchant 's favor because they had not received the requested documentation ... which I had provided. In their rejection letter, they also claim they are not able to identify that the merchandise is counterfeit. That was explicitly what I was told via online communication with a XXXX representative. I even reported it to their counterfeit department per XXXX 's instructions. It makes no sense that Chase would side with the merchant when both XXXX and I am saying that the product is not real AND is defective. Throughout all of this, the merchant has not responded to requests for refund.
I had an installment loan with Cash Central which they reported to XXXX XXXX and XXXX despite explicitly agreeing not to. I disputed this once via CFPB and Cash Central agreed to remove it. I just checked XXXX reports and they have not done so. They are in violation of the agreement. They need to remove this from XXXX reports.
LVNV/Resurgent is XXXX again continuing to violate the FDCPA requirements for validating the alleged debt ; the most important being the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ). My original Debt Validation Letter lists this request, as well as requests for a letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) and the exact calculations supporting the alleged debt amount. Again, they continue to ignore these XXXX specific requests. LVNV/Resurgent lacks sufficient information and belief in order for me to admit or deny this alleged debt. 
In addition, LVNV/Resurgent fails to state a claim upon which relief may be granted and that their claims are barred by the doctrine of laches and the principle of waiver. Until LVNV/Resurgent provides the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ), their basis is on a contract that is an adhesion contract and a contract that is illusory and therefore unenforceable. And where is the calculation of interest? The calculation stated in their response is usurious or based on a rate that is greater than allowed by law. 

I respectfully ask LVNV/Resurgent XXXX again to provide the XXXX specific items noted in this response and again following : - the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ) - the letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) - the exact calculations supporting the alleged debt amountIn closing, I would like to publicly invoke the Doctrine of Unclean Hands as LVNV/Resurgent acted in a dishonest or fraudulent matter with respect to the dispute at hand in this situation.
Being that it is XX/XX/2016, like most people, I pay my bills online through my online Guild Mortgage account. I happened to glance at the XX/XX/XXXX statement that came in the mail which I do n't normally do, since I use the online service to pay my monthly mortgage. When I noticed an amount of {$810.00} on my statement for " Fees & Charges '' with no detailed explanation I called Customer Service to find out what it was for. I was told these were late fees that had been accumulating. I was completely shocked since I have never seen any indication of a late fee when I log into my online Guild Mortgage account. I have discovered that there is absolutely no place in the entire process of paying my bill online in which this amount would be indicated. If I do n't know that I owe it, how can I pay it? It is unacceptable that Guild Mortgage offers online account access and bill payment, yet does not provide COMPLETE account information. Late fees are intended to incentivize on-time payments by monetarily penalizing the account holder. If I do n't know that I 'm being penalized, then I do n't have the same opportunity to change my payment habits to avoid these fees. I have MANY online accounts that I access and pay each month, and in every single case I am provided a full and complete detail of my account balance in my online account. Guild Mortgage is the only exception. It is my opinion that the utter lack of information in my online account is a predatory practice to accumulate exorbitant late fees before the consumer realizes what is happening. 

Additionally, when I spoke to Customer Service on Saturday, XX/XX/XXXX I asked to speak to a Supervisor. I was told that a XXXX would have to return my phone call and that I would receive a call within XXXX hours. It was not until 6 days later on Friday, XX/XX/XXXX that I finally received that call. I was unable to answer the call and the message I received from the Supervisor, XXXX XXXX he did not provide a last name nor did he provide a phone # that I could reach him at ) was that he could confirm that there were late fees, and that I could call Customer Service to verify the dates of those late fees. I was VERY clear in my initial request to speak to a Supervisor that my issue was with the online system and the failure of Guild Mortgage to provide a full and accurate account balance and detail. I waited 6 days for a Supervisor to call me back and not address my issue in any way. Unacceptable. 

I am requesting that Guild Mortgage reverse these late fees and work to update the online account and bill payment system so that their consumers are not being left in the dark. As I told the initial CS rep that I spoke to, I will be refinancing in the very near future, and at this point I will not consider keeping my mortgage with Guild based on my experience outlined above.
Went to NelNet website.
Logged in.
Made specific payment to   XXXX   XXXX  .
Put {$1000.00} on   XXXX   XXXX   My {$1000.00} went to ALL   XXXX   loans   XXXX   XXXX  .
Called, dialed 0 to bypass robot answering, got   XXXX    woman.
 XXXX  woman denied fixing the problem. Denied it went to all loans. Denied me talking to higher up personnel. Assured me I could fix problem myself. Assured me I made the mistake. Told me to have a nice day. Phone conversation ended.
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Why ca n't I pay on specific groups as I have selected?!
I want this issue fixed now.
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days late as of XXXX 2017 60 days late as of XXXX 2017 90 days late as of XXXX 2017 90 days late as of XXXX 2017 I am not sure how this happened. I believe that I had made my payments to you when I received my statements.
i did a modification with Ocwen loan servicing in XX/XX/XXXX which was approved, my husband sign the letter sent in back next day, i received a phone call stating i use white out on the form and need to redo it, i was sent another one a few days later which my husband sign again and have it notarized, we were contacted the second time saying they need both husband and wife signature on the document, i respond in writing that my husband name alone was on the loan and there was not a place for me the wife to sign on the form, i was told to just go with my husband the 3rd time to the notary and give my Id and have them state that the signature was mine and my husband which we did, i was then told a month later that the loan was sold to XXXX so they ( ocwen ) would no longer be taking my payment ( which i was making every month ) .... i ask ocwen for the contact information for XXXX because i never receive a letter or any documentation for the sale of the loan to XXXX, and no call or contact from them either after calling them for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) they took 2 months payment and say they need direct access from my bank for payment until i am in their system, which i still have to call them every month to remind them, until XX/XX/XXXX i was told by XXXX that they have no documents from ocwen to prove i got a modification and they can not received any more payments from me, during XX/XX/XXXX when i start making payment to XXXX, ... ocwen start filing foreclosure on the house which did not make any sense to me and i did not know what to do i then hire a company to safe my house XX/XX/XXXX then XX/XX/XXXX without much time or notice they sold it to XXXX XXXX and told me i need to move within 24 hour, they are not truthful about the whole thing, i have bank statement to prove i was making payments until XXXX stop me, please help me
I had XXXX accounts with XXXX XXXX XXXX that were both tied to my mortgage. XXXX was a checking account with {$600.00} and another a savings {$25.00}. The savings was just opened to get a better rate on the mortgage and had no activity. First National Bank took over these accounts from XXXX XXXX in XXXX 2016. On my XXXX 2016 savings statement, I noticed I was hit with XXXX Dormant Account fees totaling {$20.00} and service charge fees totaling {$5.00} ... draining my savings account. I went into a First National office to try to reason with them and they told me that the savings account had not been used for 2 years. I explained to them that it was JUST moved to their bank in XXXX 2016. They would not even recognize the courtesy of doing business with a new customer and refund the {$25.00}, so I closed both accounts. It 's a horrible way to do business!
I am a medical resident that has been trying to pay back my loans with FedLoan. I submitted to be on pay as you earn four times during my second year in residency, and I was denied because they said I made too much money. When I spoke to them, I finally got through to a supervisor who said this was their fault and I can be back on PAYE. However, before this happened, they capitalized XXXX dollars on XX/XX/18. I called immediately about this, and they said that this should not have been capitalized and that it is their fault and they will submit a request to have it changed. It has now been almost three months, and I have been placed on income contingent, then forebearance, then income contingent, and now finally back to pay as you earn. They also sent a letter saying I now have XXXX more dollars that will be capitalized due to all of the switching. I called and they submitted another request to have this changed. SO now I have XXXX dollars of capitalized interest that should never have happened, and they refuse to let me speak to the people in charge that deal with these complaints. I can barely afford to live on my resident salary, and I am never going to be able to pay back these loans if they keep messing it up. PLease help!.
This complaint is in regards to  Hunter Warfield .  Best Property Management Inc,  and   XXXX   XXXX   is attempting to collect on a debt that is not owed.   XXXX   XXXX   XXXX   is a property management company. The owner of the property and I have a dispute.   XXXX   XXXX   sent this matter to a collection company called  Hunter Warfield. Hunter Warfield pulled my credit report without my permission. Before they had mail me a letter, the pull the credit report from  XXXX . This is wrong.    The matter is in question was filed with the  California Fair Housing and Employment  agency. A lawsuit is pending on the matter. Best Property Management is a defendant in the matter.  XXXX   XXXX   XXXX  does not represent the owner. She has an attorney. This collect attempt is unlawful.      Hunter Warfield do es not represent the owner of the property. He does not have permission to try and collect on a disputed debt. Surely, I have 30 days from the receipt of the notice to protect the amount demanded. I wish to have the matter dropped and for the owner 's attorney to continue pursuing this matter.
Hi ON THE XXXX OF XXXX I WENT TO XXXX AND DEPOSITED {$840.00} ON TO MY PREPAID RUSHCARD ... .UP TO THIS DAY THE XXXX OF XXXX I HAVE YET TO RECEIVE THIS MONEY ON MY CARD FROM THIS COMPANY ... ..I CONTACTED XXXX AND THEY TOLD ME THAT EVERYTHING WENT THROUGH AND THE PROBLEM IS WITH RUSHCARD ... .I HAVE CALLED RUSHCARD FROM THE XXXX UP TO TODAY THE XXXX OF XXXX AND CAN NOT GET THROUGH TO CUSTOMER SERVICE..THEY ARE HANGING UP THE PHONES, ,NOT ANSWERING, ,LONG WAIT TIMES TO TALK O SOMEONE..ETC ... THE FEW TIMES I GOT THROUGH TO THEM LAST WEEK THEY TOOK MY INFORMATION, REFERENCE NUMBER FOR MY XXXX DEPOSIT AND SAID THAT IN 2 DAYS MY MONEY WILL BE ON ... ..STILL NOT ON MY CARD ... ..CALLED AGAIN AFTER THAT THE SAME EXACT THING ... YOUR MONEY WIL BE ON IN XXXX HOURS..UP TO THIS DAY STILL NOT THERE ... .I HAVE BILLS TO PAY, RENT, MEDICAL FEES, ETC ... NO ONE CARES AND NO ONE IS HELPING ... ..ON XXXX THE OWNER OF RUSHCARD ID ON THERE SAYING TO DM HIM AND EMAIL CUSTOMER SERVICE..I DID THAT MANY TIMES AND STILL NO RESPONSE ... .THIS IS BY FAR THE WORST POSSIBLE THING I HAVE EVER GONE THROUGH ... I WANT AND NEED MY MONEY ... .HE IS SAYING THAT EVERYTHING IS UP AND RUNNING BUT YET THOUSANDS OF PEOPLE STILL CAN NOT GET ACCESS TO THERE MONEY AND ACCOUNTS ... .JUST ENDLESS LIES ARE BEING TOLD ... ..WE NEED OUR MONEY NOW, ,AND W NEED TO BE COMPENSATED BECAUSE THIS HAS MESSED UP MY LIFE AND MANY OTHER 'S ....