WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I, and my former wife, XXXX XXXX XXXX, executed a contract for the purchase of a recreational vehicle in the State of XXXX. In XXXX, XXXX and I separated. As we proceeded towards divorce and a separation of assets, in XXXX the recreational vehicle was voluntarily returned to the finance company. No payments were made after the return of the vehicle. At no time did the finance company comply with XXXX laws regarding repossessions and serve the necessary pre- and post- repo notices, nor did it ever advise as to the disposition of the vehicle. However, in clear violation of XXXX law, Caliber Home Loan attempted to collect on this debt in XXXX. When I responded that they were far outside the statute of limitations, XXXX filed a XXXX with IRS. XXXX law is very clear that unless a finance company complies with all of the required notices, it is no longer in a position to collect on the deficiency balance. Caliber then stated that a payment was made in XXXX but that alleged payment is not listed anywhere in the account history provided to me by Caliber. Finally, Caliber mailed a statement stating " YOUR ACCOUNT HAS BEEN PAID IN FULL. '' When speaking to a representative of Caliber, I was informed that the account had been charged off and that no payments had been made. Further, this statement indicates that the recreational vehicle is now listed at an auction site in XXXX.
This loan has been going through a tortuous modification process with Wells Fargo/ASC for years ... .at least since XX/XX/XXXX. There have been a plethora of document requests which have been complied with. After years of document requests, borrower received a variety of reason to deny modifications ... ..too much income, not enough income, modification application pages not initialed,??? single family property, on and on and on. Borrower appeals with specific request for certain verification and validation and servicer responds, but sadly the response is not on point, rather more mumbo jumbo. Most recently, borrower asked for explanation as to how borrower 's income was calculated. The response was .... '' thank you for your request for short sale. '' After inquiry from borrower, Wells Fargo/ACS indicated they had mistook a bridge loan contract ( part of hardship ) for a short sale contract????? To date, they have never given the verification/validation or explanations requested by the borrower in his appeal or any calculations supporting denial. Rather, the property is scheduled for sheriff sale, XXXX XXXX, XXXX.
Out of the blue, I started receiving many many calls from a company I did not ever heard of. The person on the phone spoke broken English so thinking t his was a scam, I kept hanging up. Months later, I received a harassing call telling me my student loan was going into default if I didn't start paying. I asked where the person was calling from and was told The XXXX. I asked how and why he had my information since I am a US citizen who attended school in the US. I have no idea what he said since I could not understand him. I gave him my banking and routing information so that payments could be deducted monthly. I looked at my bank statement and saw nothing was deducted. I called Navient, I was told this was the name and asked why payments were not being deducted. The csr stated the information was applied incorrectly so he took down the banking information again. Again, nothing happened and now I have been reported to the credit bureaus for late payments. I called Navient very upset but nothing could be done I was told. I immediately began looking for another lender and found XXXX XXXX. I am beyond upset. I was paying a company out of my own country that had my private information without my consent who could not communicate clearly in English who reported me to the credit bureaus when I furnished the information. I wirk for a non-profit organization and this was not considered when assessing the high payments they expected me to pay.
I XXXX XXXX and my Power of attorney went to my Bank ... Chase and asked to withdrawn {$100000.00} ... The person we spoke to asked for Id 's from both of us then went away and came back and asked my Power of attorney if we were sending this money to the XXXX XXXX and if not was the money going over seas??? Her name happens to be XXXX XXXX!!! She said absolutely not and that she did not know anyone overseas or in the XXXX XXXX. He said that the bank did not have this type of cash on hand and that it would have to be ordered. This was on a Monday so we asked how long it would be??? He said next week some time. We asked why so long and he said to make sure this is not fraud!!! So we left and decided in a couple days that really if it was such a big deal maybe we could just get {$50000.00} ... so we returned to the bank two days later and asked for just {$50000.00}!!! Thats when we were informed that all the five accounts had been frozen and that they did not know why and it was out of their control at the bank level!!! The bank manager XXXX XXXX told us this. He gave us a number to call if we had any questions ... The name and number is XXXX XXXX XXXX ... J P Morgan Chase Global Security Investigations. This has been a month ago!!! We have tried and tried to reach this person but he has never returned our phone calls!!! And we have never til this day received any paperwork in the mail with an explaination or a phone call from this person or Chase Bank located at XXXX XXXX XXXX ... XXXX XXXX Michigan XXXX ... Phone # XXXX. Each time a dozen times we have went to the bank for answers we're constantly being told they don't know anything and can not help ... sorry!!!
On XXXX XXXX, 2016 I opened a account at TD Bank XXXX XXXX XXXX, XXXX, PA XXXX, AND FOR 3 WEEKS NOW I HAVE BEEN BOMBARDED AND THEN REBATED ( -AFTER COMPLAINING - ) WITH OD FEES! And then Bombarded again!!! 3 weeks in a row. ALL with no access to a account statement! On-line or otherwise. 
BUT NEVER FULLY MADE WHOLE BY THIS BANK! AND THEY DO N'T SEEM TO CARE AND JUST PASS THE BUCK!! The Customer service rep XXXX XXXX. I have learned is part time and in college. When I inquired about my Paychecks and availability, I was advised by XXXX that my XXXX check deposits would be available the next business day. NOT 3 BUSINESS DAYS! 
XXXX ALSO did not go over the following items with me when I opened the account : 1 ) XXXX XXXX was not explained nor was I alerted to the policy. 
2 ) Deposits - A Payroll check made on Friday when I asked I was told those funds " would be available " Next business Day and/or Monday ''. - NOT WEDNESDAY of the Following week! As is the case with this bank it appears ... 
3 ) I was told that On-line banking was simple to Set-up, but when I went home and tried to, I had had several " authentication '' problems and long 15 minute waits on the Customer Service HOT-LINE and gave up.Only to find out later that I was given an incorrect Temporary password for setting up my account. Again, when I called the hot-line for assistance, it was impossible to get through. Just a advertising soundtrack that repeated itself many times over and over. I gave up after 15 minutes on hold. 
4 ) OPT in- OPT out was NOT Explained on XXXX, XXXX, but by a Supervisor at a store local to my job in another town - I work XXXX to XXXX at XXXX - when I visited the bank after the trouble started ... Notwithstanding the above, I would like to pursue a remedy to the Overdraft charges that occurred in the first 10 days within opening of this account. 
I feel cheated out of my money because I could not view my on-line statements for the first 3 weeks upon opening this account. I would have been able to take proper action to avoid these overdraft charges. 
After visiting the bank and describing why I felt something was wrong with my account - I was {$110.00} in the negative at this time.- to a XXXX XXXX XXXX XXXX Supervisor. She rebated me XXXX or {$70.00} in overdraft fees. I still had not seen a statement of my account, nor been able to set-up on-line banking. She advised me to call a NEW number. This did work and I spoke to a man named XXXX. He apologised for all the inconvenience and advised me he would further rebate a additional OD fee that XXXX XXXX had overlooked. 
Finally after going on line and reviewing my account, it became apparent to me that " next business day '' did not apply to this account!! And I was being penalized to the tune of {$35.00} a pop for {$7.00} worth of coffee and cigs, when in reality the funds were sitting right there in my account BUT NOT CLEARED BY TD BANK as I was advised upon opening the account.
Equifax XXXX XXXX XXXX XXXX, GA XXXX ( My Credit Report ) Illegally in two ways shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX on my Credit Report. 

The Company XXXX XXXX XXXX  contacted Equifax electronic to remove this Charge Off Account as past 6 years old per Oregon Collection Laws ORS 12.080 Section 4 -Defined from my Last Payment XX/XX/XXXX per ORS 12.090 Section 1. Amount : XXXXOrginally {$620.00}.  Charges were not proven to me either-no account statement provided either. 

XXXX XXXX XXXX  obeyed the Oregon Collection Laws as I am a resident since XXXX. They contacted each of the three Credit Bureaus and Equifax illegally ignored the request in writing by XXXX XXXX XXXX Electronic to remove the Charge Off Account. 

So I am maintaining they are willfully ignoring Oregon Collection Laws-they are not in sharp contrast to Federal so must obey State Law per 15 USC 1681 Fair Credit Reporting Act. Have delete my collections in 6 years-Oregon Resident! 

How is the collection reporting accurately when XXXX XXXX XXXX  demanded removal of it several months ago. I also followed up with a letter-after XXXX XXXX contacted XXXX XXXX. I do not need to wait 7 years Federal due to Oregon Collection Laws.

Demand Removal oXXXX XXXX XXXX XXXX off my Credit Report-Company asked for it to be removed too!
I have a loan with WFDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and WFDS with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX.
I started writing letters to EXPERIAN, XXXX, AND XXXX ON XX/XX/2018. Informing them that I see inaccuracies on my credit file from these accounts listed on my credit report. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, And XXXX XXXX Account # XXXX. I pointed out all the inaccuracies that these accounts were reporting on my credit file. And informed them it was grounds for removal off my credit report. Instead they updated and verified the accounts on my credit report. So after I received that information. I contacted the lenders myself. On XX/XX/2018 I wrote them requesting a debt validation letter for these bills which they say I owe. They sent back an itemized bill from XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX XXXX XXXX   ACCOUNT # XXXX which is NOT validating the debts. They could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request these accounts be removed with any and all of the credit reporting agencies ASAP.
Perfection Collections appeared on my XXXX XXXX and XXXX credit reports in XXXX of 2018 in the amount of XXXX. I disputed this item with the collection agency in XX/XX/2018 and requested that the debt be verified. I received nothing verifying the debt from the collection agency after writing them multiple times and giving them a call. The day I called the collection agency requesting debt validation, the rep continued to call my mobile number that day requesting payment and they have continued to do so. They have not responded to my request to verify the debt.
I 'm writing to complain about Equifax 's egregious security breach that affected myself along with 143 million other Americans. Equifax 's own site confirmed that I was affected by this breach.
The company was aware of the breach but did not notify affected users immediately. Once they did notify the public, they took no immediate action to protect affected users.
Frankly, their whole business is about identity security, and they completely dropped the ball. They should be forced to provide identity fraud protection for every affected user indefinitely. It 's not like I can change my SSN!
there is no sufficient information to support XXXX, XXXX and Transunion 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX XXXX
I have an old credit card account with Navy Federal credit union. Through this complaint forum, or through credit disputes, is the only way that I can contact Navy Federal, as  they refuse to talk to me, even though I am still a member. I have a charge off that I am making timely payments on with them, as per a written and signed agreement. This agreement is filed with the XXXX County Courts for record. This is reporting as a " Charged off Account '' on my credit report. However, it has been " TRANSFERRED '' to a Navy Federal Credit Union Lawyer, XXXX XXXX for collection purposes. A charged off account usually indicates it has been transferred, often with a statement on your credit report that says, " Transferred ''. My credit report needs to include a new account entry, most likely from Navy Federal or Mr XXXX, for this debt. The entry showing " Transferred '' is now going to be the active account entry in my credit report, not " Charge off ''. The term " TRANSFERRED '' is neutral. It also can be associated with a positive history when Navy Federal transferred the account to Mr XXXX and I continue to make timely re-payments. There would be no negative impact from the transfer. Scores would simply reflect if all payments were made as agreed after the transfer. 

Indicating transferred on my report will also help me more easily track the history of the debt from the original lender, Navy Federal, as I continue to make timely payments. I have been making timely payments for many months now. I have proof, in the form of cancelled checks, enclosed. I also have a letter, from the collection agent, Mr XXXX, to whom I make these payments, this is not Navy Federal. Since Navy Federal has written off this debt and transferred it to Mr XXXX, and they refuse to talk to me and won't update my credit report, I ask for review from the CFPB. I also ask kindly, again for Navy Federal, to please update my credit reports. They should read, " Transferred '' $ XXXX   monthly payments, " paying monthly '' ... Not " Charge off past due '' ... Please review enclosed documents and update. At the very least, update my report to " Charge off paying monthly '', {$320.00}. Which is the Gods honest truth of the matter.
Working with XXXX XXXX XXXX on a loan and when I fell behind they sent in repossessed and recovered the vehicle XX/XX/2015. Vehicle was sold without my knowledge and I didn't receive anything about sale of vehicle. XXXX  and XXXX are still showing this account of report.
Someone keep came and saying I am been sue for what they will not say. I need to know who is using my name to get payday loans they will not let me have one. PLEASE HELP ME. I NEED MY CREDIT BACK.
RE : Civil No. XXXX ( 3 ). XXXX XXXX vs. XXXX XXXX RE : XXXX XXXX XXXX, DEBTOR CASE NO. XXXX COMPLAINT AGAINST XXXX XXXX./PENNYMAC LOAN SERVICING, LLC FOR VIOLATION OF AUTOMATIC STAY UNDER 11 U.S.C 362 ( j ) To : CFPB, FEDERAL TRADE COMMISSION , SECOND CIRCUIT COURT , COURT OF APPEALS , UNITED STATES BANKRUPTCY COURT , CENTRAL DISTRICT OF CALIFORNIA AND DEPARTMENT OF JUSTICE 1.XXXX XXXX./OR PENNYMAC LOAN SERVICING , LLC DID NOT MAKE ANY ATTEMPT TO STOP THE FORECLOSURE ACTION IN THE SECOND CIRCUIT COURT, STATE OF HAWAII Civil No. XXXX ( 3 ). XXXX XXXX ALSO DID NOT RESOLVED THE ISSUE OF THE COMMISSIONER, XXXX XXXX XXXX XXXX STOP HIM FROM COLLECTING RENT AT XXXX XXXX XXXX , XXXX , HI XXXX. 

2.DEBTOR RENTED COUPLE OF ROOM TO SUPPORT HIS MORTGAGE TO PENNYMAC AND PENNYMAC ACCEPTING PAYMENT MORTGAGE UNDER DEBTOR BANKRUPTCY PLAN, SINCEXX/XX/XXXX 

3.AS DEBTOR XXXX XXXX PAYING PENYMAC MORTGAGE, COMMISSIONER XXXX XXXX XXXX COLLECTING RENTAL INCOME OF THE DEBTOR, ONXX/XX/XXXXIN BEHALF OF XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC, WHICH VIOLATES XXXX XXXX XXXXS AUTOMATIC STAY UNDER 11 U.S.C 362 ( j ) WITHOUT RESPECT TO DEBTOR OR FEDERAL BANKRUPTCY COURT.

4.ALL THE PROOF AND RECEIPT WILL BE SUBMITTED, AND DEBTOR IS GOING TO FILE CLASS ACTION AGAINST XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC IF THIS ISSUE OF FORECLOSURE IS NOT GOING TO BE RESOLVED. 

5. XXXX XXXX OR PENNYMAC LOAN SERVICING, HAS THE RIGHT TO STOP THE FORECLOSURE ACTION THE SECOND CIRCUIT COURT STATE OF HAWAII TO AVOID LEGAL ACTION AND TO CEASE XXXX XXXX XXXX FROM COLLECTING INCOME RENTAL OF DEBTOR. 

6. XXXX XXXX XXXX, COMMISSIONER IS COLLECTING IN BEHALF OF XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC WHILE DEBTOR XXXX XXXX IS IN BANKRUPTCY Case No. XXXX FILED ON XX/XX/XXXXAND DEBTOR 'S AUTOMATIC STAY WAS STILL IN EFFECT ON MONTH OF XXXX. THIS CASE IS DAMAGING DEBTOR 'S FINANCIAL AND HEALTH ISSUES. 

Attached is Exhibit A, the proof of collection of Commissioner, XXXX XXXX, in behalf of XXXX, XXXX/Pennymac Mortgage Servicing, LLC XXXX UNDER PENALTY OF PERJURY DEBTOR XXXX XXXX IS TRUE AND CORRECT TO THE BEST OF MY KNOWLEDGE. 


Sincerely Yours, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX XXXX. XXXX XXXX XXXX, HI XXXX
I want to use XXXX ( XXXX XXXX XXXX ) to help me keep track of what I owe in taxes for my XXXX. 

I try to connect my account to the service, but Capital One is blocking it. 

I called Capital One and they said they will not allow it to connect. 

This is my information about my account. I would like to connect to this service. Captial One, especially the XXXX business division is a mess and I keep running into roadblocks and terrible customer service and communication.
I contacted Mercedes-Benz financial collection department to advise that I have all the outstanding balance due to them in escrow and ready to make the payment to reinstate my car loan. They refuse to allow me to pay the outstanding balance with claims that my account is charged off. I contacted them in XX/XX/2018 advising them that I could not pay my account online and I was bringing my account up to date, that was when I found out that my car loan was charged off. I have been trying to pay off my car loan owed balance since XX/XX/2018. The finance company is requesting that the entire balance is paid off ( {$15000.00} ). That is way too much money for me to come up with. I have the {$6700.00} owed available and willing to pay it. The car is not worth {$15000.00} it is only worth about {$9000.00}. So, it has been very difficult for me to obtain a refinanced car loan and my credit score has gone down drastically. More importantly, my car payments were made timely and early every month for over 32 months before my incurring a financial hardship which I have since corrected. I have the balance due and am able to pay it and reinstate or modify my car loan. It is important because I have invested in this Mercedes-Benz vehicle for my PhD degree program over $ XXXX in timely payments. Lastly, note that when I did my credit report back in XX/XX/2018, the Mercedes Benz Financial services account was not listed at all nor as a charge off. Please help me with this important issue.
I am disputing hard inquires on my credit report because this is fraud and does not belong to me.
Transunion keeps putting information on my credit report, I have not been able to qualify for a mortgage because of this and even been unable to find employment. I would like all negative items, judgments, liens to be looked over and removed. I am currently living with other people and the address shown on the record are not my residents. They are just for mailing purposes.
Continued attempts to collect a debt that is not mine. Continued reporting to all XXXX credit bureaus of a debt that is not mine
I have a GM FINACIAL ACCOUNT, the loan for XXXX XXXX XXXX, XXXX NUMBER XXXX, the ACCOUNT NUMBER IS XXXX, I did open this account and I paid in in full, but GM FINANCIAL reported me to XXXX credit bureau that on XX/XX/XXXX, I had one late payment, which I always pay on time, plus they had the improper address to send me the bill, and second they had my wrong account number, this company never send me any documents to tell me that I was late, the phone number for GM FINANCIAL IS XXXX ( XXXX ) XXXX.please contact GM FINANCIAL and have them correct the mistake that I was never late, Please contact me if you have any questions at my cellular number ( XXXX ) XXXX.
XXXX, 2015, I submitted a mortgage payment in the full amount owed of {$1900.00} on XXXX XXXX, 2015 to Carrington Mortgage, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. With previous months being current, this payment was to satisfy XXXX 's required principal, interest and escrow payment in full. Although late fees remained unpaid at this time in the amount of {$73.00} for XXXX non-sufficient ACH returns, the full amount of {$1900.00} was received, tracked and debited from my account by my credit union, but not applied to my XXXX balance with Carrington Mortgage. This action caused my account to become XXXX days past due and Carrington Mortgage submitted this payment history to the credit bureau. Upon further verification through my credit union about the payment in question, it was confirmed that {$1900.00} was in fact paid to Carrington Mortgage on XXXX XXXX, 2015. In a good faith effort, I made no fewer than XXXX calls in the month of XXXX and XXXX to Carrington Mortgage 's customer service department and to their immediate supervisors to resolve this matter. The constant response was to deny that XXXX 's payment was ever received and that my best resolution would be to work with my credit union. On XXXX XXXX, 2015, following the instructions of Carrington Mortgage, I submitted a Written Statement Of Unauthorized Debit to receive the {$1900.00} in the form of a credit back into my account so that I could withdraw official cashier funds to re-apply XXXX 's payment to my account. Ironically, XXXX 's payment of {$1900.00} was now due, but still within the grace period were no late fees were assessed. Again, in good faith, I withdrew {$4000.00} total on XXXX XXXX, to cover XXXX XXXX, XXXX and any other fees outstanding on my account. On XXXX XXXX, Carrington Mortgage acknowledged receipt of these certified funds, but chose to apply them in a manner that now reflected an outstanding balance for XXXX, 2015. After several more calls between XXXX my credit union and Carrington Mortgage, I 've concluded this is my final option for recourse to insure the funds I paid are applied correctly and that any negative credit reporting be reversed from my records.