WillisBack/dataset-financial-user-claim huggingface dataset:
My husband used my credit to lease a vehicle in XXXX while I was out of the country. He paid the first month 's lease when he paid down payment with other fees relating to registration and drove off the car. Since then, we never received any bills from the creditor, GM Financial, until I received an email from credit bureau ( XXXX and XXXX ) notifying me that my credit score dropped by 60 points. Surprised, I reviewed my credit report. It went down by 60 points because GM Financial reported late payments on my husband 's auto lease. I came back to the States in late XXXX. I looked through every mails that came while I was gone and there was no mail or anything from GM Financial ever. We still have not received any bills. The lease amount is only {$280.00} - I would never miss this payment at the risk of losing 60 points on my credit score. I called GM and they said they can not remove the report because they mailed them out. This is ridiculous - we just opened up the account in XXXX and this was our first time missing payment clearly due to GM 's mailing system. Again, we still have not received our XXXX bill which they claimed to send on XX/XX/2018. How am I supposed to pay the bills that I never received? I am responsible for multiple bills per months. GM Financial does not care and merely repeats that they sent out the bills. They clearly don't care about the fact that I will not be receiving those bills in the future as well. This creditor is harassing consumers and needs to be reported.
I refinance my home XX/XX/2017 with village capital investment loan office at closing he had to sing closing to sign several times. I did but I had to call cause I told him my taxes was incorrect he said no they are right I told that is not what XXXX XXXX appraisal letter I fax over to you. After my house close I contract mortgage company to let them know about my taxes information. My house note went up due to a shortage of escrow put in at closing. I contact village capital spoke with XXXX  she tired to work on the case she also so the taxes was wrong. A big difference from $ XXXX month til {$190.00}. XXXX XXXX   enter the wrong amount. XXXX XXXX was my loan who falsify my taxes.
I went to Chase and told them XXXX funding debt from XXXX, was not my debt. I got a letter that said they placed a hold on my account, and then they verified my social security number and Driver 's License, and re-imputed this information into their computer. Then XXXX, bank attendant told me it was not me, so it was cleared. XXXX department said they would take care of it because it was not me. Then we get a new judgment from court allowing them to go after my joint account with XXXX I believe they gave this information to XXXX which is a violation of my privacy, especially since they told me it was not my debt.
I lost my work do to closing all the XXXX campuse I am having difficaulty with my mortgage therefore I am trying to get help from keeping home California they requested monthly statement for my mortgage and the servicer refuse to send them to me I have been in contact with them since XX/XX/2016 and they first told me they will fax it within a 2 hour then I called them XXXX and they said its in a process it takes 48 hour to 3 days I called them on XXXX and requested to speak to a supervisor and I have been told the supervisor will call me and nothing happened I was receiving statement from previous servicer and this new servicer are damaging my getting help from keep home California they refuse cooaperating with me. 
please help me I have lots of health problem I do n't want loosing my home on top of my difficault time. 
Thank you XXXX / XXXX
Hey CFPB, I currently have my refinanced XXXX XXXX with a company called XXXX XXXX, and have been with them for about 4 years now. The interest on my loan is assessed daily, which is fine, but XXXX does not process scheduled payments daily. Whether it is a reoccurring payment or selecting the earliest payment date for a one-time payment, XXXX will leave my payment in pending status for at least 2-3 days every time and continue to accrue interest, which is about {$25.00} per day for me now ; it was more previously when my balance was higher. I do not think XXXX is engaging in fair practices and they definitely did not accurately disclose that this was how they process payments when I refinanced with them. XXXX should not be allowed to continue to accrue interest on my loan and any others just because they leave payments in pending statuses for extended times. If they can not process on the date that they offer as the earliest available or scheduled date, then they should not leave them as an option. Currently I have a payment scheduled forXX/XX/XXXXthat still has not been posted to my account, today isXX/XX/XXXXXX/XX/XXXX( a Sunday ) so now it will be a minimum of 4 days before I receive credit for a one-time payment that XXXX can not deliver on. 

Can you please look into this? 

Thank you.
I have an outstanding issue which suntrust has already admitted that they have made a mistake and broken the law. They followed up w me needing more information which I faxed to them on XX/XX/2016. I did not hear from them for a month. When I finally called them they said the issue had been closed. I asked them if they had received my fax, why they would close the issue without calling or notifying me by mail. They said that they would get to the person handling the issue and get back to me in XXXX hours. I have now called them 3 times in a month and have received that same response. Nobody has followed up. The case number is XXXX. The contact at suntrust is XXXX. Her XXXX is XXXX
XXXX XXXX and Great Lakes continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.
XX/XX/XXXX SYNCB C/O XXXX XXXX XXXX XXXX, FL XXXX. Phone number XXXX. This company has any hard Inquiry on my credit report. I never heard of the company. I called XX/XX/XXXX and spoke with XXXX. He couldn't pull up any information on the account. He tried by using my full name, social, birthday, address, phone number. He was not able to find anything in the system. I would like for this to be removed from my report please.
American Express notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
We are legally married for more than 10 years. Now I have XXXX Rewards store credit card for about half an year and accurately paying my balances. I called XXXX Bank who issued the card several times to add my wife XXXX XXXX as a joint account holder but they refused. We have same household and marriage certificate and a number of joint credit cards and joint bank account since 2004. It is absolutely unclear why my wife can not be joint account holder and may be only authorized user without supplying her SSN and report to credit story.
Navient, formerly XXXX XXXX, has made it extremely hard for me to pay down my debt. I have been paying on my loan since 2009 and have not felt it go down. Although, I know that I did use my forbearance, they never offered any alternative plans for me. I tried so many things, consolidation with local banks, with other loan servicers and even tried to see if I could get lower payments with them and they not once were able to help me. The reason I do not qualify for their assistance plan is because I do not make enough for them to lower my payment, even though I can not afford their payment at all! I do have other federal student loans in the amount of $ XXXX and the amount with Navient is $ XXXX. I started with $ XXXX and my parents were able ( at the time ) to help me. Now that their status have changed, they are not able to help me and because I do not qualify for anything else, I can not remove them from my loan. So not only does it affect me, it also affects my parents. I make approximately $ XXXX a year combined with my husband and they will not and can not work with me. I feel that they need to be able to grant some kind of leeway or payment options for this. It is very unfortunate that at the time of the loan they say that they will work with you and once you have obtained it, they will not. I still can not afford it, and because of their harrassing calls, every other month I have to decide whether or not I am making my Navient payment or my utilities. It is quite saddening.
Morning my name is XXXX XXXX I original mortgage was with Aurora. due to financial hard ship and loss of income I fell behind on my monthly payments. I contacted Aurora and explained my situation. They nstucted me to send XXXX to modify my mortgage for an affordable payment. They never did my home was sold on XXXX XXXX I have XXXX children and a XXXX mother. I received a letter from the newsletter mortgage lender. Nation star advising me to attend a workshop on XXXX XXXX which I did. I am XXXX of the victims from Aurora.
I have XXXX hard hit inquiries on my XXXX Credit report by Ally Financial that I do n't recall requesting credit from them.
We opened an additional checking account in XXXX of this year at US Bank. This is one of many accounts we have there. At the time of opening, I specifically asked the rep if there would be any fees on this account, and she stated no fees, due to the " package '' we are in. We have discovered they started charging us inappropriately since XXXX, and they only will reverse one month of fees, instead of at least 4 months of fees. This was not our fault, and we were lied to. 
I want all fees since XXXX reversed.
I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX XXXX small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX. for a debt. In informed them that I was no longer a resident there and lived in XXXX, XXXX. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office Cooling and Winter who was handling both debt accounts. I contacted Cooling and Winter and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me. 

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed Cooling and Winter as well as the county court office that I no longer resided there. 

I attempted again to contain XXXX to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX  XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
I,  XXXX   XXXX   XXXX  being of sound mind and body hereby give full authority to any third party credit repair firm as wells as any information or verbiage to the removal of a falsely reported Bankruptcy as stated in complaint #  XXXX . The verbiage included in the complaint was gathered by me and put into my own words. There is no law or any precedence that claims verbiage used by credit repair companies can not be reused either to the same or in my own words. I have filed a complaint against you with the FL Attorney General and   XXXX    for falsely reporting unverifiable information on my credit report. Please provide all verified evidence including my name, address, full social security number, date and time of verification and with whom you spoke with concerning this verification from the  XXXX   XXXX   XXXX  's office. If you can not provide me with this information, it means that it is being falsely reported an d MUST b e removed as per the F CRA. May I remind you that FCRA Section 623  violation as well as a precedent  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  for the  XXXX   XXXX   XXXX  Case  XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX  , Filed (  XXXX  No.  XXXX  ). We will seek the extent of damages incurred by the wronged party, me, as deemed by the courts.
I have a loan with Carfinancial Capital since XX/XX/XXXX. the due date was requested to change on XX/XX/XXXX after I get my new job outside the USA from XXXX to the XXXX of each month, the change was requested in order to avoid late fees. The finance manager at the time XXXX XXXX who I believe is not longer with the organization agreed and approved to the change but six month later I started receiving harassing calls and letters from the company because the account had accumulative late fees, Then I came to know that the new due date was never adjusted. I had tried several times to come into an agreement with the company about the due date since my payroll date is on the XXXX of each month and by the time I wired the money to usa and I make the payment It ca n't be earlier than the XXXX but their answer is always very rude and with no accomplishment, I am making my payment each month and on time but due to their negligence to fix the situation from XX/XX/XXXX the account keeps increasing with late fees. I have several communication on the phone and the very last ones in writing to the manager of finance department with no reply from their part.
Tower loan company came to my home and a friend was aty house and answered my door and told them I was not home. They told him that my account was past due and I must pay immediately. They should n't have talked to anyone about my loan. They call my friends and family every day and call me at least XXXX times a day. This is very unprofessional and borderline harassment.
I fell behind on the loan payments XX/XX/XXXX. XX/XX/XXXX I made an attempt to pay all back due payments. I was told the loan was in default. Important information concerning the loan status had been sent to the physical address instead of my mailing address so I was unaware of the default status and unaware that I had been approved for a Modification offer because this information was sent to an address other than the office where I receive all mail. The physical building is a small apar apartment with XXXX units and I do not live there. I sent written correspondence dated XX/XX/2016 explaining the situation and asked tha to be taken off default status and allowed to pay my loan current. 
My request was denied by letter on XX/XX/2016. I was informed that if I wanted to keep the property, my option would be to apply for a loan modification. I sent all documents requested on XX/XX/2016. 
I waited because Seterus, Inc. told me it would take 45 days to process. 
I called Seterus offices several times to check the status of the modification. I was told each time just to keep waiting that they had all documents required and that I was in process for modification. Finally on XX/XX/2016 XXXX XXXX, who is a representative at Seterus told me that our documents were not in process because they needed more information. She said it was a mistake that I was told otherwise. I again submitted more documents on XX/XX/2016. 
I waited again and each time I call to check the status of my modification I am told something completely different! I do n't know what is going on. 
I am not permitted to speak with anyone other than a service representative. There are no supervisors and I am not permitted to speak with the loan modification specialist. I want my modification package to be reviewed and accepted. It is their error that I am in a default status. They sent important documents to the incorrect address where I could not possibly receive them and therefore I did not respond in a timely manner. I do n't know how to communicate with them because each person I speak with tells me something different!
Misrepresentation of debt owed. Account in name of Business NOt individual 's name. Account reference was closed with XXXX balance. Used false, deceptive, or misleading tactics to collect debt NOT owed. Credit collection agency fraudulent induced payment through threat on debt that was NOT owed under false pretenses.
In light of the Wells Fargo situation, I was reminded of something that keeps coming up on my credit report. And also, when I filed bankruptcy. I had a XXXX mortgage with them. And did a line of credit, credit card also a few years later. But, it came to my attention that I had a XXXX mortgage taken out against my house. One that I never authorized or consented to. I did my mortgage in XX/XX/XXXX, and line of credit in XX/XX/XXXX. But never the XXXX. At that time I was residing at XXXX XXXX XXXX XXXX, Va XXXX. Therefore my mailing address is not the same as the property, as I have moved out of state. ***** My name is XXXX XXXX XXXX
Sir, This complaint is not about Western Union 's refusal to make restitution, but their unwillingness to communicate at all. 
On XXXX XXXX a mistake was made concerning the destination of {$60.00} which was to be sent to XXXX, but in the confirmation it showed that it was sent to the United States. I immediately contacted them on their chat line and had that Money transfer cancelled. They sent me a cancellation acknowledgment stating that, " If your card account has been debited, the money transfer amount will be refunded. '' As of today it has been 15 days ( 10 business days ) and no restitution has been made. My bank is XXXX Bank, XXXX, TX branch. The transaction number is XXXX, and the total amount charged was {$71.00} which includes their transfer fee ; the Western Union XXXX number for this transaction is XXXX. 
I have attempted to contact them four times, and have failed to make contact with them by chat, email, or phone. I finally mailed them a letter yesterday, a copy of which is included as an attachment to this email with evidence of this transaction and their failure in its resolution.
I tried to get a share loan from my credit union. When they pulled my credit history from Equifax, it gave them the credit history of someone with my same name. Equifax refuses to take any responsibility for having someone else 's credit history under my name. Equifax tells me they have no record or files of me whatsoever, yet when my credit union runs my Equifax credit report they pull someone else 's information as my credit report. As it now stands, I see no way I can do anything to fix this because Equifax refuses to help me.
I have an unverified account from CBE GROUP. I had previously disputed this account. I have never done business with CBE GROUP pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Paypal.com is perpetuating a SCAM by allowing XXXX XXXX XXXX of XXXX XXXX XXXX to continues to collect monies via PayPal.com from his Website XXXX <P/>I placed an order in XXXX XXXX of 2016, and never received my order. <P/>I am not alone hundreds of people ordered from this " seller '' and never received either cuttings or trees. PAYPAL KNOWS about this, and have not stopped him from collecting more funds ... I spent around 50.00, ( Transaction ID # XXXX ) some people have spent over 4,000.00 U.S.D.! NO ONE has gotten either cuttings or trees for over a YEAR and a HALF! <P/>Yet I can put a tree in my shopping cart via pay pal ... .PAY PAL is complicit in FRAUD! <P/>See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX