WillisBack/dataset-financial-user-claim huggingface dataset:
Bought car from car dealer in XXXX. Car was totalled in one month. Insurance paid everything. And car dealer also sent them money from my service contract XXXX. So they received over XXXX dollars they accepted money from insurance and told insurance agent car paid in. Full. Santander the car loan ppl has now so nth it to XXXX different collection agencies. XXXX and also XXXX in which XXXX wants XXXX. And do n't XXXX was XXXX. They keep renewing it every month. I DO HAVE ALL INSURANCE PAPERWORK WHERE ThEY PAID IN FULL ALONG WITH COPY OF SERVICE CONTRACT WHERE THEY GOT Money XXXX that was supposed to come to me. This car was paid offXXXX XXXX and they keep renewing it every month on my credit report
There are serious issues with my mortgage that would indicate my current servicer, Fay Servicing and the alleged note holder lack standing to foreclose which they are currently threatening to do. There are also issues that show they are billing me for tax escrows that were never paid. 

The first mortgage assignment recorded on XXXX/XXXX/XXXX prepared by XXXX indicating XXXX was assigning the mortgage to XXXX would be void due to the fact that XXXX would have had no agency relationship with XXXX XXXX in XXXX due to the dissolution of XXXX XXXX XXXX as a corporate entity on XXXX/XXXX/XXXX. 

The second mortgage assignment recorded on XXXX/XXXX/XXXX, assigning the mortgage from XXXX to XXXX Legal Trust is also problematic for multiple reasons. 

First, it appears XXXX violated the REMIC provisions ( Sections 860F and 860G ) of the Internal Revenue Code of XX/XX/XXXX that state a mortgage in default can not be placed into a REMIC Trust. 

After reviewing the Securities and Exchange Commission 's XXXX database, it appears that XXXX Legal Trust is not registered with the Securities and Exchange Commission ( SEC ). It appears XXXX Legal Trust is in violation of Section 5 of the SEC Act of XX/XX/XXXX that requires all entities offering securities to be registered with the SEC or qualify for a Rule 144a exemption from the registration requirements. There does not appear to be a Rule 144a exemption filed with the Securities and Exchange Commission. 
There also seems to be serious miscalculations of the amount Fay Servicing is claiming I owe on the mortgage. According to documents supplied by Fay Servicing and their attorneys, XXXX XXXX XXXX, Fay Servicing is charging us {$27000.00} in tax escrow payments from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. However, it appears from a XXXX county tax bill sent us in XX/XX/XXXX that the outstanding property taxes equaling {$24000.00} were never paid. The property is currently in the process of tax forfeiture.
I am a mortgage broker in CA with a complaint against United Wholesale Mortgage. The issue is UWM instructed escrow to deduct a {$970.00} lock extension fee from my Lender Paid Comp, as they said it was to far into the process to re-disclose to and charge the borrower. I have never heard of such a thing and I did not agree to this. Rather I found out at funding when I looked at the funders instructions to escrow to deduct the lock extension from my XXXX. I want that {$970.00} refunded to me as I did not agree to pay it. UWM should have properly re-disclosed to the client and not pull this fast XXXX out of my comp. I will never use that company again.
I repeatedly called them, spoke with management, customer service told me although its theif they cant do anything about it.
they repossed my car after I made a deal with him, and they promisse because I am making a large long sum every month. but few days later they sayid they called on 2 numbers that I don't know where where they came from trying to reach when they have my cell number on file to thell they ned a payment. I forgot to nention the only option they gave me is to make the payments through them only
I am XXXX from a XXXX in 2003. My income went from about {$4000.00} a month to XXXX ( social security XXXX ) My XXXX was severe enough for my Social Security to be approved in just 3 months. I have begged J.P Morgan Chase to forgive my private student loans as, my financial situation will not be getting better. I am XXXX years old, and certainly did not plan on my XXXX career to end as it did. My husband ( who is XXXX as well ) struggle each month with making ends meet. I have continually pursued this loan forgiveness, and they continually turn me down. The last letter I received said I did not meet the " destitute : criteria. My Loan is now being handled by XXXX XXXX services, who on their website it says you may be awarded a XXXX forgiveness if you are deemed unable to work. In the paperwork from the Qualified XXXX I saw for my XXXX it says, and I quote '' XXXX ( XXXX ) XXXX can not return to work as a XXXX requiring direct unsupervised patient care '' end quote. I can not lift, bend, stand, sit or lay for any prolonged periods of time. What exactly do I have to do to get J.P Morgan Case to realize I am XXXX and will NEVER be able to work again, and do not have the means to repay this loan. Would they like for me to send them one of my limbs??? I will continue to fight them and will not be making any payments of loan XXXX and XXXX until something is done. I will continue to make loan # XXXX payments only because my son co signed for that one. I need someone to listen to me and help me! Maybe its time for them to help others like they got help with the bailouts years ago.
There is an account no companies name listed # XXXX which I do not owe on any medical debt this is a mistake and needs to be removed
My identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1100.00}. 
XXXX XXXX/XXXX XXXX XX/XX/XXXX Balance : unknown XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Allied Interstate collections agency has been calling my husband and I multiple times a day for weeks, never leaving a message for the reason they were calling. The woman that has been calling is named XXXX XXXX. I finally called the number back last week to find out why they were calling it went to her voicemail, but I assumed based on the lack of information she provided in her voicemail that it was a collections agency. So I left her message stating to either stop calling multiple times a day or leave a message when she called so we could appropriately respond to why she was calling. She stopped calling me and instead, started calling my husband. He finally answered the phone this morning and stated she was trying to collect a debt owed by my brother. My husband and I have nothing to do with my brother or his debts, nor are we legally liable for his debts. They have no right or cause to call us to try and collect on his debt. I asked for her employee ID as i stated I would be reporting her actions, she lied to me and stated she had no id number and that she was doing nothing wrong, she " does n't know who XXXX lives with ''. That is total nonsense I have n't shared an address with my brother in 15 years. My husband has never shared an address with my brother. I have no idea who they bought our contact information from, but I am sure it was an unauthorized source.
Brown Law , PLLC collecting on behalf of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Tx. 
Phone : XXXXContact initiated by phone on XX/XX/XXXX, missed call, voicemail left by caller. 

Call contact on XX/XX/XXXX I recorded a call from XXXX XXXX, I would not verify information ; was told " I 'll tell them you wo n't cooperate '' then XXXX XXXX hung up. 

Call contact to my mother on XX/XX/XXXX as well as a voicemail on the same day. 

Call contact to me on XX/XX/XXXX, missed callCall contact on XX/XX/XXXX I recorded asking them to send it to me in writing and informing them of the 5 day requirement that had already begun ... caller was XXXX XXXX. 

Written letter dated XXXX/XXXX/15 received from Brown Law , PLLC on XX/XX/2015Response sent return receipt on XXXX/XXXX/15 informing to cease contact except in writing to me ; sent to PO Box as well as physical address. 

USPS website screenshot showing delivery on XX/XX/2015Return receipt received XXXX/XXXX/2015 bearing signature as well as the date of XXXX/XXXX/2015 with service upon physical address. 

Call contact on XX/XX/XXXX, XXXX XXXX the caller, I recorded informing them of a violation of the FDCPA to which they responded they had no record of the letter even though I explained I had a return receipt showing delivery of XX/XX/XXXX 

At some point this company may have also contacted my wife. I will pull our bill and locate their number XXXX. 

As of XXXX/XXXX/2015 this company has not signed for the return receipt in their PO Box which was available for pickup on XXXX/XXXX/2015 according to the USPS tracking website. I believe this is done to continue to harass consumers. 

i have retained screenshots of the missed call log, the bills showing their calls, recorded conversations uploaded to the cloud, a copy of their letter as well as the envelope, the return receipt, screenshots of the USPS website for tracking and delivery, and a copy of the letter that I sent. I will obtain a copy of my credit report as well as I suspect they are in violation of the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 

As such, this company is now harassing me for a debt they have yet to validate in any manner. They have broken multiple regulations in the FDCPA in an effort to harass me.
I had 3 credit cards with Chase Card Services for several years. On one occasion it happened with 1 credit card that my payment got rejected by my bank where I had the checking account because of insufficient funds. Chase than made it impossible for me tomake payments on this one card in the future online. ( although I had paid off all the other credit cards and the balance there is XXXX now. ) I contacted Chase several times online but they never answered. They charged me late fees and interest and reported this negatively to XXXX, although I would have been able and willing to make payments on a regular basis.

I finally wrote them a certified letter return receipt requested ( asking them to make it possible for me again to pay the credit card electronically and take the late charges and interest and not to report the payments as late ) which they received on XX/XX/2018. They were however totally uncooperative and claimed they never received my e-mails, which is weird because I send them several. They also claimed that they sent me a letter telling me that I could no longer make electronic payments. I certify however that I never received such a letter.

I have to tell you that it was not the first time that I have problems with Chase .They caused problems 10 years ago too and only gave in when I contacted the office of the Comptroller of the Currency at this time.

Furthermore I had overpaid one credit card and they did not pay me back for 8 weeks until I told them to do so by certified mail.

Also they made a wrong report with XXXX reporting a credit card with a cc number as late, this is a cc number which I never had.

Please intervene.

If you need additional information please contact me at XXXX or XXXX Thank you for your attention in this matter.

XXXX XXXX
I sold my house to a buyer using Prospect Mortgage in XXXX as their lender. Prospect Mortgage 's XXXX, XXXX, is the person responsible for handling the loan. My buyer was also planning to use an XXXX down payment assistance program to help pay the down payment. My buyer gave her offer on XX/XX/XXXX, and I accepted the same day. We scheduled close for XX/XX/XXXX ; on XX/XX/XXXX, we found out the buyer had something pop up on her credit report that would cause a delay in close because it would prevent her from using the down payment assistance. After a couple of weeks of trying to get what we were told was an erroneous charge off her credit record, they decided to instead forgo using the down payment assistance and she was going to use her IRA to get funds to close. Prospect Mortgage, her lender, scheduled close for XX/XX/XXXX. By Wednesday XX/XX/XXXX we still did not have clear to close and were told by the mortgage company that they were working on conditions with the underwriters but would try to have clear to close by XX/XX/XXXX. On XX/XX/XXXX, we didn ; t have clear to close yet, but somehow the lender had given the buyer the required disclosures and had her sign off them as a " workaround '' even though they were still working through conditions. On Monday, XX/XX/XXXX, the lender ( XXXX ) emailed myself and my agent and my buyers agent asking if the repairs requested on the appraisal had been completed so they could get a rush re-appraisal. No one had ever told me ( the seller ) that I had to have repairs done, no one ever told my agent either. Less than XXXX hours before we were scheduled to close, we find this out ... I scramble to get a XXXX out to my house, and have now paid {$300.00} to have the repairs made. 
Today is XX/XX/XXXX. The lender had close scheduled for XXXX, and did n't bother to cancel it or tell anyone it was n't happening. Fortunately my realtor had the foresight to do so ; we moved it to XX/XX/XXXX. XXXX did n't respond to any emails this morning to tell anyone what was happening. Around XXXX this afternoon we received an email from XXXX at XXXX stating that the re-appraisal could n't be ordered because he did n't have the FHA case information transferred from a previous buyer I had lost. I would love to know how he did n't know until the day we are supposed to close that he is missing critical information! This was XXXX of the first things he should have done when my buyer made her offer and I accepted - how it is possible that both did n't happen AND then they did n't notice until the close date blows my mind. I have no idea now if we can close on Friday, and I do n't think XXXX has any idea either. 

This transaction has been a disaster and I am about to lose the new home I purchased because the people at XXXX do not know how to run their business appropriately. XXXX families are adversely affected by the absolutely terrible handling of this process - it 's a domino transaction and all the people affected will not be spending XXXX in the new homes they had planned to.
I attempted to purchase tickets to the opera from XXXX. I thought I purchased two tickets totaling {$650.00}. When I printed the receipt and the tickets I discovered two problems. First the price I was charged was {$920.00}. Also the name on the tickets were not my name but the name of a different person and the price on the tickets was {$190.00} each. I attempted to contact the company by phone but was unable to reach anyone. I sent a few e-mails stating that I would not try to attend an event with tickets that were not in my name and wanted either tickets with my name for the price I agreed to pay or a refund. They responded that they were a third party seller and that there were no refunds and that this was the standard in the trade. 

I then contacted my credit card company American Express and they agreed to suspend the charge and would investigate. This would take approximately 6 weeks. It is quite disturbing to me that these actions are allowed. No where on the purchase site does it say that they are a third party seller and that the price and the names on the tickets would be different that my purchase. 

I never attended the opera and did not use the tickets. I informed them of my actions and intentions before the date of the show to give them time to resell the tickets but they refused to cooperate. This type of business should be closed down. It is totally misleading and deceptive to the public. 


I also purchased cancellation insurance on the same site from XXXX   and this also was a scam. I contacted them and they told me it was not covered. Seems like birds of a feather flock together.
When I applied for a mortgage loan I found out that there were XXXX items on my credit report related to medical bills. Both items have been paid in full through my insurance and the balance paid by me. Yet both appear on my credit report as a debt that is in collections. I have checked with both offices and they indicate a zero balance.
XXXX XXXX XXXX XXXX/XXXX/XXXX Capital One Auto XXXX/XXXX/XXXX XXXX Card XXXX/XXXX/XXXX
My Complaint with Transunion about XXXX damaging my credit and Transunion allowing them to continue to damage my credit. I feel that if credit reporting agency Transunion is not reporting the XXXX account correctly. I have numerous disputes to XXXX regarding Navient incorrect reporting of the account. In an earlier dispute Transunion agreed with me and updated my credit report but XXXX reporting the incorrect information which is severely damaging my credit report. I sent a forbearance letter from XXXX stating that the dates were I was suppose to make payments on the account I was in a forbearance period, but I still made payments. I am enclosing documentation of payments made to XXXX. According to XXXX my loan was not in repayment until XX/XX/2015, so why am I 60 days late in XX/XX/2015 and 90 days late in XX/XX/2015, this reasoning is not logical.
EQUIFAX JUST DELETE THIS WRONG INFORMATION ON MY CREDIT FILE THAT U HAVE  FAIL TO CALL AND VERIFY ANY INFORMATION IS CORRECT. 

FUTHER MORE YOU ARE SUPPOSE TO PROVIDE ME PRROF AND YOU HAVEN'T AND I BEEN WAITING FOR A LONG TIME ITS BEEN 85 DAYS SINCE I SENT U A LETTER AND YOU THREW MY LETTER IN THE TRASH AND OUT THE WINDOW.. 

THATS ALARMING FOR A COMPANY TO PROMOTE NEGATIVE BEHAVIOR AND INFORMATION ON MY CREDIT REPORT.. 

I HAVE ATTACHED SOME FILES THAT I HAVE SEND TO YOU ON XX/XX/XXXX. AND XX/XX/XXXX .. no response from Equifax at all .. 

JUST DO THE RIGHT THING AND DELETE THE INFORMATION MAKE SINCE U NEVER CALL OR EVEN GAVE name and number of the person I call I ask you several times and you told me no iam not telling u anything.. 

By law you are supooe to make sure my credit file is 100 % with zero error Well here some u forgot fix these  errors ..
Purchased a used car for {$23000.00}. My annual percentage rate is 10.79 %. I put {$3500.00} as a down payment. My paperwork states at the end of my least I will be paying {$47000.00}. 

I noticed on my paperwork it has a Finance Charge this credit will cost me will cost {$11000.00}. I find this too high and absurd. I will be making Phone calls and complaining & looking to refinance this loan. 

We do not have an account number yet, this transaction just took place this week. Our Dealer is # XXXX & Our customer number is # XXXX
In XX/XX/XXXX my wife broke her ankle and has had several surgeries and has since become XXXX due to nerve damage which has caused XXXX and with that she has many medical appointments in which needs my assistance at home to tend to her daily cares. I had to quit my career as a electrician to be at home to help her with the daily activities and many doctors appointments for ongoing treatment of XXXX and for this there is no cure so it is extremely difficult to know how she will be able to tolerate the excruciating pain. I have usually had good credit in the past and due to my wife 's circumstances I have no choice but to let my credit be less of a priority and focus on my wife and this is someone that I have been married to for over 25 years. I am in hopes of your understanding of my situation and if I could of continued to make my credit a priority I certainly would have. I am sorry for telling my whole story here but this is what happened and I hope someday you may see how XXXX affects somebody 's way of life. I have one notice that I received for this so called debt that is said to be my responsibility and that was XX/XX/XXXX to appear in conciliation court XX/XX/XXXX, other than this I have not been sent any letter from the. Thank You for taking your time to read my letter