WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I submitted a complaint regarding an incorrect late report on my credit bureau report for a XXXX 2016 payment from Hyundai Finance. They have fixed that issue but now I have the same issue for my XXXX 2016 payment on a vehicle I traded off in XXXX when I leased another car from Hyundai. Please help me get some closure and compensation for this hassle.
AGAIN, Midwest keeps copying and pasting responses that have NOTHING to do with the root inquiry. I have told Midwest several times to stop adding fraud trades to my CRA files yet they keep doing it infringing on my rights covered by the FCRA. I WILL PURSUE LEGAL ACTION IS THIS IS NOT STOPPED AND THE TRADE IS NOT REMOVED. I have NEVER received any validation paperwork or phone call from Midwest in regards to this so called XXXX XXXX debt that I am entitled to review BEFORE it is put on my files. This is fraud and for your convenience, I have attached my identity theft form. REMOVE THIS TRADE ASAP!
My Servicer Ditech Financial ( my servicer ) initiated a non-judicial foreclosure with XXXX and stated that the XXXX was the owner of the loan. Back in XXXX I was in direct contact with an executive at the XXXX and stated that they did not own the loan or the property. Now 2 years later they are advertised as owning the loan Also per Georgia XXXX is suppose to advertise the sale for 4 consecutive weeks PRIOR to the sale date. They started advertising the sale on XX/XX/XXXX and the sale is scheduled for XX/XX/XXXX ILLEGAL ACTIVITY nor did they allow me the time to dispute the debt prior to the 30 days applicable per federal law BEFORE advancement of collection and 4 consecutive weeks of advertising prior to the sale state law ILLEGAL ACTIVITY Also I dispute all parts of the debt and I need Ditech to send all documents that prove XXXX owns the loan and I owe XXXX to the servicer
I have sent police reports and text messages to  XXXX   XXXX  explaining the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from me.
I received notice of suit on an account that I had. The balance is XXXX. I do not have this money. I can not afford an attorney or any type of garnishment to my wages. I am the sole provider for my son and garnishing my wages is only taking food out of his mouth and depleting funds for his necessities. I did go into this contract with good intentions and I never had such a bad payment history on accounts as I do now. My income has decrease by 10 % and expenses have increase by 40 %. I just do n't have the money that I would like pay. 
*Please allow a settlement of 30 % of this balance to be paid within 4 to 6 months. I can begin payment XXXX XXXX. 
*Please drop the suit currently in process. 
I apologize for being such a bad customer. I never wanted this to happen. I am in my current financial circumstance due to my attempt to band aid lack of funds with credit.
My husband attended XXXX University online from XX/XX/XXXX to XX/XX/XXXX. We had to take out student loans to pay his tuition, and Federal loans were not an option for this school. We took a loan with XXXX XXXX. Unfortunately, a few months before he was set to graduate, my husband became XXXX suddenly and hasn't been able to work outside the home since then. We have been working with XXXX XXXX ( now Navient ) to take part in a Rate Reduction Program since we first were required to start paying back the loans. Every single time we have reapplied for the program there have been problems with our payments. They took out 2 payments in the same month several times. They changed the amount they withdrew from our bank account without telling us that there would be an increase, which caused us to be overdrawn multiple times. They have also taken the payment out on the wrong date either before it was supposed to be withdrawn from our account, or after, for which they then charged us late fees.Every single time I have been on the phone with Navient regarding these loans I have been given the run-around. They have not made the terms clear to us and have caused a tremendous amount of stress to me and to our family.
So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX XXXX Bank, I sent a letter along with a check to XXXX XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX XXXX Bank on XXXX XXXX, 2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX XXXX, I then spoke with XXXX XXXX on XXXX XXXX, 2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.
we fell behind on payments about 18 months ago. We had modified the loan but continued to struggle due to health issues, loss of employment, and a missing teenage child. We kept in contact with Wells Fargo Mortgage the entire time. After 3-4 missed payments, we called to make a payment and were told to pay full amount. we were unable. We tried to modify again and were denied. Several months later we were sent a letter about being in foreclosure and to call for help. we called and were unable to get help. they also never served us with the foreclosure documents. they left them under a door mat, which we did n't see for months later. We then did some research and decided to apply for a program called Floridas Hardest Hit. We were approved for Florida 's Hardest Hit program and Wells Fargo was notified, during the application process for this program i called wells fargo and notified them of the program and requested an exact statement of everything owed. We received a statement with a balance owing just over 17k, this is what we submitted to Fl Hardest Hit. I received a call on XXXX/17 that they were sent XXXX but i owed an additional $ XXXX.which i had 10 days to pay. i asked where that amount came from since my statement i requested stated XXXX and even had a line item stating attorney fees. I asked for an itemized statement of this {$6900.00} and was told they just had as a balance owed and couldnt help me further. meanwhile. every 30-60 days i am spending {$50.00} to go to court and ask for extension after extension, during this time i kept asking for the detailed balance and what was for. i was told that it was in foreclosure and could n't receive statements. Meanwhile, I turn in all closing documents to Fl Hardest Hit. I receive a letter from wells fargo they receieved approval and discontinue any further payments as they would be getting payments from them. I finally think the nightmare is over and then I get a call 2 weeks later that the payments was returned and they wanted the {$6900.00} first. I finally get a hold of a XXXX XXXX in the customer care team and im told she will investigate. I have 3 other conversations with her that all end in the same way. I finally receive a letter that basically states the {$6900.00} is owed for fees.and escrow. even my past statements included all fees and escrow payments and still there was no balance including the extra {$6900.00}. This is my final resort.I have even contacted wells fargos attourneys office via email and phone several times, asking for this as well as to put the XXXX at the end of the loan, at the end of the program or make a payment arrangment with us. nothing has been done in months. I can not lose my home. I have a sick child on XXXX XXXX, Wells fargo refuses to disclose all fee 's and charges to me. i have to go once again to court and ask for an extension, pay {$50.00}, and get nowhere with the judge or wells fargo. i now have to re-apply and re-do everything for Fl hardest hit since its been so long since original application. They ( wells fargo ) are breaking many FL statues and regulations by not disclosing the requested documents to us.
Portfolio Recovery keeps calling a private phone number of mine repeatedly, multiple times a day, from phone numbers all over the U.S. Because they are calling from so many different numbers, I can not block them. They are also calling my work phone number, when they 've been informed that I can not receive personal phone calls at work.
Portfolio Recovery services collected a debt that substantially more then original debt. Portfolio Recovery then pressed a lawsuit in the XXXX XXXX Court Illinois. To avoid a judgement being placed on my credit report, I paid the " settlement '' stated by Portfolio Recovery Services as the only viable option. They stated that the conversation was recorded for mine and their protection. After i was given that notice, I asked XXXX employees of Portfolio Recorvery Services if the judement was still to take place or if was to appear in court.XXXX employees told me I WILL NOT have a judgement and WILL NOT have to appear in court. After making my first payment. Portfolio Recovery services sent notice with an increased debt amount. I called and was informed that information was incorrect. After completing my second final payment ( the agreed upon settlement ) my debt was to be cleared with a judgment in court being placed. Less then 10 days after my final i was mailed a document from the XXXX XXXX court house that there was a judgement placed against me and will be notified of method of payment, whether it will be wage garnishments. XXXX ... AFTER I WAS TOLD THAT NO OTHER ACTION ON MY PART WAS TO BE NEEDED. Portfolio Recovery will not return my repeated attempts to contact them. Judgements like these will further destroy my already deteriorating credit.
Discover Card I purchased by Phone, New Items {$850.00}, paid in full by the discover card account. 
Merchant is XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I called to arrange pick up of the merchandise XXXX 2016. Store owner told me items had been resold and were no longer in inventory. 
I contacted Discover Card with that information to obtain my refund as store owner was not cooperative. 
Discover Card was not cooperative. A store owner can not collect XXXX for the same items. Florida Statute XXXX CH XXXX requires notice certified signed mail to alter ownership.
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There is 1 account reporting to Equifax which is fraudulent and I'd like it removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my XXXXredit & impacting my emotional and physical health.
In mid-XX/XX/2018 we began the process of applying for a home improvement / cash out refinance loan to replace the roof on our home. 
We approached our current mortgage holder - XXXX XXXX - and our local bank where we hold our accounts - Chase - for their best rates. 
XXXX. XXXX offered us very favorable terms, but when we presented these to the Loan Officer at Chase he agreed to undercut their fees by several hundred dollars. 
We, therefore, opted to proceed with our application to Chase. 
In early XXXX we proceeded with the application, income verification and appraisal process. 
The Chase XXXX XXXX indicated that we had been tentatively approved. 
Late in XXXX, however, the Loan Officer phoned and informed us that Chase would not make the the home improvement loan because the home needed some repairs - namely the roof - which we had indicated was the purpose of the loan from the beginning of the process. 
After several days we had not received any notification in writing about their adverse decision. I spoke with the Loan Officer who indicated that a letter would be forthcoming. 
A couple of days later we did receive a letter from someone we had never met nor dealt with who indicated that he 'was sorry that we had withdrawn our application. ' We did not withdraw our application. I spoke again with the Loan Officer who, once again, assured me that the proper letter would be forthcoming. 
Today, XX/XX/XXXX, I received a letter in the mail - again from the same fellow who we have had no dealings with - stating that we had withdrawn our application. 
Let me state unequivocally that we did not withdraw our application either in writing, verbally, expressly or otherwise. They simply have turned us down. 
Despite several attempts on the phone and by email we have attempted to get Chase to provide us with the required letter explaining the reasons for their adverse decision. They seem unwilling to provide one - we can only speculate as to why.
CHAPTER XXXX WAS FILED XX/XX/XXXX AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON XX/XX/XXXX.  APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM XXXX XXXX XXXX XXXX, XXXX XXXX DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM DISCOVER CREDIT CARD. I MAILED XXXX AND DISCOVER COPIES OF THE FILED CLAIM FOR DISCOVER AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER XXXX CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH DISCOVER AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE ( XXXX XXXX ) SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER XXXX, IN FACT IT LISTS DISCOVER AS A XXXX BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED BY XXXX AND THE UNDUE STRESS AND ANXIETY THEY ARE CAUSING ME IS UNNECESSARY.
My issue is with the current servicer of my mortgage loan, FCI Lender Services. They are ignoring my requests for information and assistance and also do not appear to be licensed to do business in the state of Virginia. My now XXXX husband XXXX and I bought our home back in XXXX. We endured many struggles due to his health issues. Even when he was unable to work and bed ridden and I was out of work caring for him full time we kept up with our mortgage payment. After he XXXX in XXXX I had to use the remaining savings to keep up with bills and handle his affairs and funeral costs. I began struggling financially and started trying to get back to work but it took some time. I thought I would be OK because I had been led to believe I would be receiving survivor benefits but after going through the process found that I was too young to receive this. I ended up falling behind on my mortgage payments. I eventually was able to get a job working as a XXXX ( have worked in this field for 40 years ) but was behind on the loan. I tried to get my loan modified but had issues because the loan got transferred multiple times. I was eventually told that my loan could not be modified because the loan and title were not in my name. I went to court and I was established as the executor of the estate and got all of the paperwork that established that I was the rightful owner of the home. I was then able to engage with the servicer at that time XXXX XXXX XXXX and thought I was making progress toward a modification when the loan was transferred to FCI Lender Services. No one at FCI has been willing to give me the time of day or consider me for any modification options. They have not looked at my current financial information and have not assigned an account manager to work with me to discuss options to resolve my delinquency and modify my loan. I just want to save my home, I work full time as a XXXX and my daughter is living with me and contributing towards bills and the mortgage payment and is going to be staying indefinitely. We can make this work, if FCI would work with me.
This company has gone from XXXX, to XXXX, and now to XXXX. XXXX, XXXX, and the South Carolina Department of Consumer affairs ( Case number XXXX ) agree the debt has been satisfied. I have notified this company that they need to seek recourse with the employees of XXXX XXXX XXXX.
after being denied a home loan i pulled a credit report, and found this collection. I was not informed of my right to dispute allowed to set up payments or informed before added to credit report.
Navient added {$700.00} to each loan original amount and plus increased my interest rate on a couple of loan to 10.25 %. Payments have not been calculated accurately.
XXXX XXXX had a policy on my car that would pay in the event of total loss, I had insurance with XXXX, my car was in an accident when a herd of deer ran across the road in front of me, I only made contact with one and it bent the frame of my car the cars value was {$11000.00} at the time of the accident, my bill was from XXXX for an initial amount of {$5600.00} to repair then the adjuster found more damage and wrote another check to repair shop for {$1100.00} more dollars and the car still pulled to the left, asked the adjuster why was n't it totaled, he said he had already totaled XXXX cars that day he would n't do another. the car wore out tires and pulled and made noises asked XXXX to tota it they said no, so I told them to come and get the car, to dangerous to drive, they then sold it for {$3000.00} and told me I owed them the balance of {$13000.00} .The company I bought my new car from called them while going through loan process and asked them why did n't they total it, they said have to take that up with someone else, and I still owed the original price of the car {$13000.00} after 2 years of payments of {$350.00} a month and are still trying to get me to come get another car for same payments
I paid off ALL my credit the first week of XXXX, including a travel trailer we sold. We should have a zero balance on everything. There is no outstanding debt, except my car, not even XXXX on a credit card and it shows it all and balances even higher than what I paid off. I do n't have canceled checks because it was all electronic from my savings account and the trailer was paid off by the buyer to the bank. Why is this all still showing on my credit report?
Being sued for a loan from more than 13 years ago that I have no knowledge of applying for, no access to any initial loan information, never signed any promisary notes or agreed to being beholden to this debt, was a minor at the time.
I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I have sent 3 disputes certified mailed to Experian. They have continuously violated the FCRA. I have requested that these adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.
Missing One of my major XXXX XXXX XXXX XXXX XXXX card ( credit:XXXX , history : 1+year ) from the TransUnion. XXXX and FICO score are correct. Bank is properly reporting my credit.
I've asked this company to only send me mail correspondence. As you can see from this email their threatening arrest and garnishments. I live in Texas so I know that my paycheck can not be garnished. I don't know what this debt is, but they've called me at work, many, many times on my cell phone and I've asked them repeatedly not to call me.
Experian claim that they verify a bankruptcy on my report. they did not i sent multiple letters and you guys didn't tell me where you received the information from like i ask you just sent back verified. I also called and spoke with someone and i ask the same question where did you received the information from and the lady told me they went down to the courts to get the info which was a lie. my next step is to file a court proceeding on this and sue you guys for false information if this is not removed from my credit report in the next 30 days.
I sent this company a letter dated XX/XX/XXXX. Pursuant to the FCRA and FDCPA, I requested this company to provide me Validation Documents and listed everything that is required for this alleged debt/item to be validated ( See attached files - a copy of the letter I sent them ) It is now XX/XX/XXXX and I DID NOT RECEIVE the documents I requested. Attached to this complaint is a copy of the letter sent to me by DCI requesting me to provide information about this unknown debt. If I am not mistaken, by law, they are the who are supposed to be providing me with proof that this item is VALID. This company definitely violated FDCPA. To make things worse, this item was already removed from my XXXX report and still is reporting on my XXXX and XXXX credit report.