WillisBack/dataset-financial-user-claim huggingface dataset:
I was informed that the sale date of my home was XXXX XXXX, 2016. I received XXXX letters and a statement to call Chase Bank. I spoke with a representative named XXXX. She informed me that the sale was put on hold on XXXX XXXX, 2016. Also, she told me what forms I needed to send in to complete my loan modification. She told me to call the attorney office XXXX XXXX for assurance that the sale was put on hold. When I called a representative informed me that they did not receive that information and they had a sale date of XXXX XXXX, 2016. I called this morning to see if my faxed documents were received and they informed me that they have not received my fax which i sent on XXXX XXXX, 2016. In addition the representative XXXX informed me that my file is inactive and that they are required to let me know that when it 's 2-3 weeks out from sale date there 's nothing they can do to assist me. He stated that he does n't know where the representative XXXX got her information from. My customer assistance specialist XXXX XXXX has n't been available to talk with me on both occasions. I have been given false and or misleading information, as well as deception. I feel as if my rights have been violated and security of my personal information as well.
Sandtander is my finance company.The very first day I got the car I tried explaining to XXXX XXXX sales person ), and the guy in finance that the mileage was all wrong. The vehicle was showing a little over XXXX miles on the dash board but my paper work was showing only XXXX. During the first of week of having this vehicle every bump I hit the all the lights would go off on the car, the head, tail, brakes and dash board. The mechanics asked to keep the car over night and that they was going to drive it home and so they did and they gave me a loaner. They tried keeping my car for a few nights. I was told to pick up the car so I did. A block away the lights all wet out again so I took the car back and when I got up there they all was very mad. So I had been calling XXXX ( the manager ), for a week so he approaches me by calling me and I told him not to approach me like that. So him and I got into a huge argument and he called the police on me and told them that he wanted me arrested. The officer told him to give me my car. XXXX told me that they was not going to honor the warranty that I had because I was never allowed back on the lot. So they would not take the warranty off my contract. I was on my way to XXXX to visit my mom when all my lights went out again.I paid out of pocket over {$800.00} to have the car towed back to Georgia. I paid over 5,600.00 to have my car rewired. and paid my car note. Soon after that my brother passed away who was not in any life insurance so me and my family had to come up with the money for his funeral and burial. So, I was speaking with a rep from Sandtander who had agreed to allow me to make a payment and the other payments would go in the rear and they would adjust my account for the XXXX that I had to pay. About a week after our agreement she no longer worked there and the company would not honor the agreement that she had made with me. Just a few months afterwards they put on my credit that I owed them {$21000.00}, it was discharged and repoed. The problem is is that they never repoed my car. I tried to get another vehicle but I could not because of the repo on my credit. About two weeks ago I was at XXXX and my XXXX year old grand daughter was sleeping in the car and the repo man had hooked his truck up to my car and my granddaughter started blowing the horn. I called the police and the police came and told them to give me my car but my grand daughter had to get out the car before they let it down. They had towed the car a few feet with my grand daughter in it, The name of the company that towed the car with my grand daughter in it is XXXX, XXXX XXXX and her phone number is XXXX. My reference number is XXXX. She called me today and said that Santander hired them to repo the car. Both of these companies has violated me. Sandtander should have never put repo on my credit because they never repo the car and XXXX should have never towed the car a few feet away because my grand daughter was in the car. I have filed bankruptcy.
Debt is a result of an injury at work. Workers comp did not receive a bill. Claim number XXXX. Workers comp and or insurance is responsible not me. Negative reports hurting my credit. Trying to get a resolution since 2010.
On or about XXXX XXXX I asked XXXX XXXX to send me XXXX checks as I only had one check left in my XXXX XXXX checking account. I learned to from Schwab employees that my checking account had been closed! This without my authorization or knowledge! XXXX from Charles Schwab brokerage called late this morning to tell me that BOTH my checking account and my brokerage account had been closed! He told me, " This is a Schwab mistake ''! He said that my two accounts would be restored. 

Why though were my brokerage and checking accounts closed? 

Who closed them? 

Why did Charles Schwab employee XXXX repeatedly tell me my checking account was closed by me when I repeatedly told him that I had not closed it? 

How confident can I be that this will not happen again? 

How confident can other Charles Schwab Bank customers be that this will not happen to them? 

This is a scandal and not just a " mistake ''!
Below are the details of our home loan from Ocwen Loan Servicing, LLC : Unpaid Principal Balance : {$420000.00} Original Principal Balance : {$430000.00} Escrow Balance : ( {$2600.00} ) Length of the Loan ( Months ) :360 Origination Date:XXXX Maturity Date:XXXX Interest Rate ( % ) :3.48738 We have NEVER missed a payment. We have been late two or three times, but have NEVER missed a payment. Summer of XXXX, we went through a loan modification with Ocwen. We were approved and our new monthly payments were to be {$2100.00} Our trial period began and every payment was made on time and 4 phone calls with our " Relationship Manager '' were made stating that the cashier 's check was mailed in. At the end of the 6 month trial period, which wasXX/XX/XXXX, Ocwen sent back one of our cashier 's checks. When we called to ask why, Ocwen said the loan modification was not signed, therefore null and void. We were shocked. We had no idea this was a requirement ( we had just signed and sent in all of the modification papers 6 months prior ) and we asked why we were not notified about this during any of these " relationship manager '' phone calls. Ocwen had no answer for that, they just said sorry and now we need to back pay {$16000.00}! We told them this was ludicrous and we needed to find another solution. I asked why we could n't just sign the paperwork? Ocwen claimed it was too late for that - federal rules and regulations. All of this because of a signature? And, you did not notify us? This seemed very underhanded and illegal. I asked what other solutions they had for us. Ocwen said we could try for another modification. We tried and were denied. When we asked why, they said because they could n't lower our payment by 20 %. I said we do n't need our payment lowered by 20 % - we are happy to continue paying what we were paying - in fact, we could pay a bit more each month. Ocwen said sorry. There was nothing they could do. I have called back three times looking for new solutions and have talked to a " manager '' but they just keep repeating the same round and round nonsense. Because we do n't want to lose our home, we made a {$7000.00}. payment and have to make payments of {$4200.00} a month for 11 months to get our " account current. '' We have tried to refinance, but here is the added salt to the wound - Ocwen is stating that WE HAVE 6 MONTHS OF LATE MORTGAGE PAYMENTS!! So, we have been turned down. I called to tell them this as well. I stated that they obviously do not want us as customers any longer and we are trying to refinance elsewhere, but they need to fix our credit history! Again, they said no and that they were sorry. I told them they were not sorry - how could they be? My husband and I went online and looked at all of the thousands of consumer complaints about Ocwen. From a recent XXXX XXXX article : Lawsuits allege mortgage servicer Ocwen 's mistakes cost some borrowers their homes XXXX XXXX and XXXX XXXX, XXXX XXXX Published XXXX XXXX ET XX/XX/XXXX | Updated XXXX XXXX. ET XX/XX/XXXX We are truly stuck and Ocwen is not helping us at all. They are just taking advantage of us and now we are trapped.
I had setup a payment plan in XXXX 2015 to repay back Capital One for a credit card I had. I was told that the balance was over {$1000.00}. XXXX XXXX XXXX started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with Capital One was {$500.00} so I made a call to Capital one and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}
My husband had XXXX, and he did n't understand the difference between credit and debit cards, so he got us into lots of trouble often. We filed Chapter XXXX in early XXXX, then in XXXX XXXX he passed away, I was told to turn the XXXX into a chapter XXXX, with the agreement to keep my house and car. So it was filed and I was discharged in XXXX XXXX, I found out about 4 mos later, my car and my home was added to bankruptcy. But I was continuing to pay XXXX. I went to another Lawyer and was told they could do nothing about it. there is lots more descrepancies on my report. Inquiries specially from a certain Co., and I have called them crying asking them to quit. A collection was placed on my file, that was not suppose to be. The lawyer that represented me was banned right after that for causing so much trouble and frauding people.
I opened a Popular Bank checking account online over a month ago. I received a packet of information in the mail, including a questionnaire and a signature card along with a return envelope. I filled out the required paperwork in full and sent the envelope back. I waited a week and called Popular Bank to see if the paperwork had been received. On the call Popular Bank transferred me to the online account department. The person I spoke to in the online account department initially told me that she had received the paperwork and started reading information off of the paperwork, only to find that she was reading me private information from a third party and not information from my account. She then told me that she had not received my paperwork yet. I called three more times over the course of two weeks and each time I was put on hold for an extended period of time and was not able to reach an agent who can help me. On XX/XX/2018 I made a mobile deposit for a cashier 's check. I received an email from Popular Bank saying the deposit had been approved. I tried to login to my Popular Bank online banking and was locked out. I called the customer service number and was told that I needed to speak to the online account department. I was put on hold and nobody picked up, after 45 minutes I hung up. I called a branch and spoke with a supervisor who called the online department. The online department told him that my account was restricted for suspicious activity. They told him I would need to go into a branch. He then said " why did you open your account online? Why didn't you just open it in the branch ''? There has been no activity since the XXXX of this month. Today is XX/XX/XXXX. The branch supervisor told me I would need to talk to the online account department and transferred me.
This started on XXXX XXXX XXXX. I started to get calls about owing money to XXXX XXXX XXXX. I switched over to XXXX back in XXXX. I payed off my old phone with XXXX XXXX XXXX the same year. Fast forward to XXXX XXXX XXXX. I received a call from XXXX XXXX XXXX XXXX. They said I owe {$200.00} to XXXX XXXX XXXX. I did pay once and I thought it was over. I got called again with roughly the same charge of {$200.00}. I was surprised the XXXX XXXX XXXX phone company did n't contact me via email on the matter. When I tried signing into my old XXXX XXXX XXXX account I could n't. I tried to reset my password too and the email was wrong when I knew it was right. So since I 'm not with XXXX XXXX XXXX anymore the account was removed. How could I owe money to a company when I do n't have an account with them anymore? I also received other debt collector calls from similar numbers. The following is the list of numbers all pointing to this company : XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX The company name is Diversified Consultants. I keep getting harassed by them almost daily now. Can you please help? Thank you in advance. Have a good day.
After the XXXX data breach, I put a freeze on our credit information at all three credit agencies. We are now buying a new home and successfully removed the freezes with XXXX and XXXX. ( The mortgage company will only underwrite the mortgage using a consolidated credit report including all 3 agencies. ) Despite many phone calls to Experian and website visits during XX/XX/2018 to the present ( XX/XX/2018 ), we so far have been unable to talk to a live person. 
In my visits to the website, after entering social security number, zip code and the numeric portion of our street address, the automated message said it needed yet more information and told me to mail several documents to a XXXX, TX address. 
One time when I was on Experians website I saw I could upload the additional information. I did this but received no confirmation that the information was received. 
The upshot is we are being held hostage by Experian to get the freeze on our Experian account lifted.
I have been a long term customer with Navient. I was never afforded the opportunity to to apply for an income adjustment because I was always pushed to a deferment although I stressed I was unable to afford payment. In addition, my account suffered XXXX days past due and has affected my credit tremendously. The representative at Navient never tried to accommodate me in my best interest. Therefore, my accounts are in distress as well as myself.
I have sent a total  of three letters each to   XXXX   XXXX   and TransUnion that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One even goe s so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it. TransUnion removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.
1 ) Failure to post payments in a timely fashion. I sent two payments via XXXX with follow up calls providing proof of payment. On both occasions I continued getting phone calls from employees that would yell at me, and threaten to have my vehicle repossessed and hang up on me. 
2 ) Vehicle repossession causing extra fees after payments were remitted and verified received, with all payments up to date. 
3 ) Continuous calls demanding payment after vehicle reclaimed from repossession company and additional fees being sent via XXXX. 
4 ) Third party disclosure to my brother in law after stating he was not my spouse. My brother in law was told that calls were regarding my auto loan. 
4 ) Applying insurance to may loan after being supplied with my private insurance information on 3 different occasions.
CHASE AUTO MADE XXXX HARD INQUIRES ON MY CREDIT REPORT WITHOUT MY CONSENT
I have XXXX Judgments listed on my reports from XXXX Dist Ct - The XXXX. These judgments have been paid since last year. XXXX and XXXX were able to update these items to paid in a timely manner with no help from me. Experian, however seems to have some kind of difficulty actually checking public records to see if they match their records, as they have twice refused to update these XXXX items to paid status. This amounts to willful noncompliance with FCRA. Under the law, if the furnisher of information can not or will not update the information to correct errors the information must be deleted. FCRA 607 ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian and/or Experian 's paid agent ( their furnisher of public information items ) has failed to follow the requirement of 607 ( b ) TWICE. Clearly Experian is unable or unwilling to verify this information. Under FCRA 611 ( a ) ( 5 ) ( A ) - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate ... 

Since Experian and/or their paid agent have failed to properly verify a public record that has been verified by XXXX and XXXX, I can only assume they are being willfully non-compliant. Because these XXXX items not being listed as paid makes me ineligible for a mortgage I have been significantly harmed by this action. Under FCRA 616 ( a ) : Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

The loss of the ability to obtain a mortgage harms me greatly, far in excess of {$1000.00}. 

Experian and/or their paid agent ( the furnisher ) must immediately update or delete the entries if they can not /will not verify them. Failure of them to do so for a third time will result in my pursuing legal action against them for willful non-compliance. 

If necessary I will obtain the court abstracts as proof of the judgments being satisfied.
In XXXX 2015, Capital One restricted my credit card account without any notice. I called Capital One multiple times but even their fraud agents could not open my account and see the details. I was told that my account was restricted by " XXXX '' of the legal but no other details. They said the account was completely restricted and I could not even make a payment because of the restriction. The " XXXX '' never contacted me and let me know the reasons. 
There were NO Capital One notices in any form to me to notify me that my account was restricted and for what reasons. 
Now my account was pass-due because I could not see the account details and could not make a payment because of the restriction. My credit was seriously impacted and I had credit limit decreases from other credit card companies. I lost XXXX on my credit score.
Came out of a bankruptcy XX/XX/2007. After paying on the loan for the 3 years in thebankrutcy, I owed the mortgagae company more than the original loan before the bankruptcy was filed. 
The loan was eventually sold to XXXX and Owcen Servicing was designated as theservicer of the loan. I was offerd a modification by Owcen which I accepted, trems were given and I began the payment cycle. 
I do not think Ocwen is honoring the terms of the agreement
We have a chapter XXXX case going, our mortgage arrears are included in our chapter XXXX we are paying our chapter XXXX every 2 weeks on time. PNC is our mortgage company, I find out information by calling not by notices. My XXXX complaint- they do n't send notices! We were approved for a reduced principal modification back in XXXX, showing our XXXX payment due on XXXX XXXX, 2015. We sent all the paperwork back by the end of XXXX as requested, we signed and had the paperwork notarized. I had n't received any payment books or papers stating completion by the end of XXXX, so I called PNC to find out that the modification could n't be completed due to PNC wanting a motion from the bankruptcy judge approving the modification. I had no paperwork, or calls regarding this issue. I found out due to calling in to PNC. I talked with our attorney for bankruptcy and they were able to get the motion heard XXXX weeks later. Our attorney advised us that the judge will not rule on the motion due to the ruling being unnecessary. Our home is not included in the bankruptcy, only the arrearage. So I have n't heard from PNC, and we were planning on making our XXXX XXXX payment, I still have n't had any correspondence from PNC. I called yesterday XXXX/XXXX/2015 and found out that our modification was thrown out due to the judge denying the motion as unnecessary. I will attach the judges decision. I spoke with a person in the bankruptcy department for PNC and she stated that the denial due to it being unnecessary should n't go against us for the modification. I was asked to send in the letter our attorneys sent us stating that as expected the judge denied the motion as unnecessary. I called PNC today to verify and faxes take XXXX days to upload, the person in loss mitigation did say he would send an email to the closing department to see if they can get our modification reactivated. I was asked to call back on Friday afternoon. How can we get denied since a judge denied the motion as being unnecessary?
XX/2015 I voluntarily surrendered my vehicle in question to Model Finance, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now Model Finance and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called Model Finance on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.
I am writing concerning my request that the accounts placed in collection, on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. I shall list a few of the problems with this account. This is a formal request a block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of : Beginning ( 4 ) business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) a check services company shall not report to a national consumer reporting agency described in section 6039 ( p ), any information identified in the subject identity theft report as resulting from identity theft.

Firstly California Statute of Limitations is 4 years for Collection of Debt on Account is 4 yrs. ( book and stated accounts ) Civ. Proc. 4 yrs. ( book and stated accounts ) Civ. Proc. 337