WillisBack/dataset-financial-user-claim huggingface dataset:
My automobile I had as a reported repo is more than 7 years old. I tried to receive paperwork confirmation on my original purchase, the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX Every time I had contacted them they could not find my paperwork? Experian has acknowledge this account was verified and verification was provided. I will yield to the amount of the balance, I had argued this before, but gave up. However, I knew this was to drop off of my credit report at the end of XXXX - Now I am complaining about my credit rights. They can not provide me the paper work when this car was purchased or repossessed, now I am arguing they are avoiding my right of the credit statute of limitations. Maybe they can provide you with the information I have requested. Both Experian and XXXX XXXX XXXX XXXX is ignoring proper investigation, and the other no validation of my purchase signature page or repossession paper work with date and driver on duty to verify exact date - For this reason alone, the account should be removed in its entirety as of XXXX XXXX The information was taken from my Experian Credit Report- I have no further information about XXXX XXXX XXXX XXXX XXXX Maybe you will have better luck - I am trying to stimulate the economy but my low score of this matter keeps me from purchasing large items due greater finance charges. I may take legal action of XXXX XXXX if my new home and its interest rate will vary because of this issue. Maybe XXXX XXXX can pay the difference, since they are ignoring my requests. Thank you.
I ask Synb/Gap to please remove this account and the bureau 's since it been on for long enough and was hurting me when applying for other credit card/loan.They said and also the bureau 's said it stays on for 7 years. So, i was ok with that since the 7 years was approaching. I opened this account in XXXX XXXX with a credit limit of {$200.00} i was also charged alot of interest.. I was not able to pay XX/XX/XXXX. I was working with a Debt management company to help we handle all the bills in XXXX, but i was having a hard time with them because i had to pay the debt company more money, so i stopped. My account with closed on XXXX XXXX. Eventually i ended up paying Gap the balance.I called XXXX to see when my account date was up and they said XX/XX/XXXX and said why, they said because Synb/Gap reporting to them the same information that they've had for years ago, so that she account stays now now for 10 years instead of 7 years. I have very upset and dont understand why. This is an account that i was delinquent and has been closed since XXXX. This account was suppose for fall off XX/XX/XXXX.
Mortgage was not " foreclosure '' but was given back in chapter XXXX bankruptcy. XXXX XXXX Loans continues to purposely misreport as " foreclosure '' when they know it was included in bk. BK is over XXXX years old and XXXX can not report negative info in any fields on credit report. Fix this immediately or I will see you in court. Chapter XXXX bankruptcy was discharged XX/XX/XXXX case # XXXX Original mortgage was with XXXX and was filed as such in bk. XXXX purchased the loan several years AFTER the home was given back to XXXX under the protection of bankruptcy courts. I offered to reaffirm the loan however the courts did NOT approve the reaffirmation. Therefore it was NOT a foreclosure and WAS and IS protected under the federal bk courts which you are knowingly and willfully disregarding thus violating my rights.
My daughter and I financed a car in XX/XX/XXXX through XXXX XXXX. In XX/XX/XXXX she refinanced the vehicle with our credit union in her name only. The pay off was submitted and made by the XXXX XXXX XXXX and the XXXX XXXX account was closed. At the beginning of XXXX I received a call from an associate from XXXX XXXX stating that there was an outstanding balance on the account. They sent me an email and I forwarded the information to the credit union to get clarity and to have the issue resolved. The associate from the credit union reviewed the papers I sent as well as their records and explained that the account amount was confirmed and paid off and there is nothing outstanding. This is clearly seen in the documentation provided to me by XXXX XXXX. I have communicated this information to XXXX XXXX on several occasions and they do not agree even with the proof that they agreed that the amount was correct and with also having their own reports that show that the account was paid in FULL with a XXXX balance in XX/XX/XXXX, they will not correct the records. They have impacted my credit to my detriment.
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. 

The companies have not responded and the credit bureaus are continuing to report them on my report. 

I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these companies. 

They are as follows : -XXXX XXXX -XXXX -XXXX XXXX
On XX/XX/2014, I leased a 2014 XXXX XXXX. My payment date was the XXXX of every month and that worked just fine for the first XXXXwo years of the lease but then my financial situation changed. I am retired from my full-time position and try to work part-time to supplement my Social Security and pension. I live alone and have no family so I have to be self sufficient. My situation changed and I needed to start making my payments on the XXXX of the month when I received my pension. I called XXXX XXXX XXXX and asked if they could change the due date so I wouldn't accrue late fees. They said they couldn't do it but the dealer could. I called the dealer and was told that the lease was generated by XXXX so the change had to come from them After that I called XXXX every month to ask them to work with me. I got hung up on twice and they always refused to work with me. I asked for a supervisor and was told they didn't have supervisors. As a result, I finally quit calling and just continued to pay my lease on the first every month ( paid it online ) and they continued to ding me with late fees. I never missed a payment. 

When my lease ended I considered buying the XXXX but also looked at XXXX 's. I called XXXX to get the payoff and told them I was trying to decide between buying the XXXX or leasing a XXXX. When the payoff came out to be {$2700.00} MORE than the car appraised for, I went with the XXXX. One month later I got a bill from XXXX for {$840.00} -- -- - {$400.00} for a disposition fee and {$400.00} late fees plus {$47.00} tax on the disposition fee. I was completely unaware of a disposition fee as was the dealer. There was nothing on any of the lease end reminders and the lady I talked to about the payoff said nothing when she learned I might be leasing a XXXX. ( The disposition fee is charged if the customer chooses to not stay with XXXX ). 

I called XXXX and explained that I am a senior citizen on a very fixed income and I was totally unaware of such a fee. I also explained that I had tried for over a year to get them to change my due date and no one would work with me -- -- they were just rude when I called and hung up on me twice. I asked if, under the circumstances, they would waive both fees as I don't have that kind of money. They won't budge. I am sick to my stomach over it and would like some help in getting the fees waived. It will take me years to come up with that kind of money. I will NEVER have another XXXX.
Not my debt. Asked to remove phone number from data base. Called at XXXX AM PST on XXXX/XXXX/2015 and XXXX AM PST XXXX/XXXX/2015.
I have tax liens on my Consumer report with XXXX, XXXX and Equifax. I have contacted Equifax to disputa all tax liens, Equifax did an investigation and stated in a report the information was provided from XXXX and that XXXX verified the records as belonging to me. I contacted XXXX on XX/XX/XXXXand was told an investigation would be done and results sent to me. XX/XX/XXXX, XXXX Consumer Report XXXX case Number XXXX that states the XXXX XXXX XXXX in Texas, identified the records as belonging to me. There is no identifying information as to a date of birth or social security number other than a name and address. I have again contacted XXXX on XX/XX/XXXXand told XXXX that XXXX XXXX Texas Court does not report this information to Credit Reporting Agencies as relayed to me in a telephone call on XX/XX/XXXX by a XXXX XXXX Texas Records clerk. I emailed on XX/XX/XXXX a copy of the Tax record to XXXX for the their review. Again, I was told that XXXX XXXX XXXX supplied the information, which XXXX XXXX XXXX, said " No, we do not report Public Records to any company and all information as to date of birth or social security is redacted. ''
I was denied employment because of a judgment against me. 
I was/ am completely unaware of any hearing, never received any notice of collection of a debt by Midland LLC . 
Midland LLC apparently took me to court somewhere without serving me any documents, and won a courts judgement. 
I was never notified of any hearing, complaint, or received notice of collection of a debt by Midland LLC.
this car loan has been payed off in full in 2005 ' can I get this removed from my credit report '
On XX/XX/2017 a payment in the amount of XXXX was paid to the account that was never posted to the account. The balance was then reported as over 30 days late with all three credit bureaus. After speaking with several customer service agents and providing proof that the payment was made Global lending services still refuses to remove the late payment from my credit repprts.
There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through XXXX, XXXX, and TransUnion. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.
I am a customer of XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has payments due every day of the month for their leasing and financing customers. If a payment date is on a holiday or a weekend it is absolutely not possible for their customers { me } to make a payment whether it be via phone or internet. 

Most people will pay their payment on the due date but will not be able to if on a holiday or weekend with Lincolns set-up ; thus this is a clear case of penalization for profit as XXXX XXXX XXXX XXXX charges late fees when a payment is made after the due date whether or whether. 

XXXX XXXX XXXX XXXX needs to change their ways like other institutions and play fair. Thus far they are not. Honestly, until today I didnt think that there were any financial institutions stupid enough to do what XXXX XXXX XXXX XXXX is doing. 

I do hope that with this complaint the Consumer Financial Protection Bureau severely sanction XXXX XXXX XXXX XXXX as no one should be taken advantage in this way.
XX/XX/17 XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reached out on 8 occasions in an hour to my employer and called two family members with in the same hour after asked not to reach out to my employer and advised when the next payment would be made. I advised the company and its agents that I would have the payment on XX/XX/17 more than a week prior. The company threatens to repossess and continues to harass me at work and via relatives.
On  XXXX   XXXX , I discovered  XXXX   XXXX   XXXX   XXXX  was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.
I called to notify my lender that I was still XXXX in order to get an XXXX deferment on my loans and payments due ; however I continued to get statements showing a payment due as well as accumulated late fees. I called again to inquire as to why I am still being charged late fees if I am enrolled in school half time. I was told by a representative that they had not received proof of school enrollment through the national clearinghouse. I then asked if the late fees would be reversed once my enrollment and date showed on the national clearinghouse site and I was advised that those late payment fees would still apply even after my enrollment date shows I was eligible for a XXXX deferment. I was then offered to be put into a forbearance status until they receive my enrollment proof ; however this would count against any future forbearance that I would be eligible for and the representative did not reveal this information to me until I asked. I immediately contacted my university that I 've XXXX with since 2014 and was advised that they send enrollment information on the XXXX of each month ; therefore I feel as though Navient is charging me unnecessary late fees and ultimately causing my payments and interest to be higher. My payment was not due until XX/XX/XXXX and I was already XXXX therefore Navient should not charge me late payment fees.
I have student loans that my mother cosigned for. They intercept my tax refund every year although I have been paying $  XXXX  / mon th also. I have not been able to pay this year but they did receive over {$1000.00} from my refund. My mother ( who cosigned ) is elderly and on SS. I am currently unemployed due to no transportation  (  very rural area ). We live together and between the  XXXX  of us (  XXXX  separate cell phones ) they call a minimum of 15 times daily. They use many different numbers. This is Transworld Systems Inc. The lady  XXXX  was abusive verbally to me when I answered several months ago. They 've been relentless since at least  XXXX . We are 100 % fed up with so many calls every day. I will not put up with being told I am a " burden on my mother '' and " need to get a job '' again. I 'm currently unable to make any payment but the ones I have add up to over $  XXXX  /month. This  company needs to stop their bullying and harrassment!!
This issue is a very simple one. My home phone number is on the do not call list. About 1 month ago Portfolio Recovery Service XXXX. Started calling my number. Each time they call they ask for a different name never mine. I have told them XXXX times to stop calling my number. We are up to XXXX calls a day and its driving me crazy. I the last call I told them if they did not stop I would file this complaint. They were bold enough to swear at me and tell me there was nothing you folks could do and you were all a bunch of " XXXX ''. They called my home XXXX times today. I have had it. Please nail these idiots to the wall for me.
XXXX XXXX XXXX and XXXX XXXX XXXX from Minnesota has sent a letter on my behalf requesting for Equifax to delete the following accounts from my Equifax credit report : XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, MN Child Support XXXX XXXX, University XXXX XXXX : XXXX, XXXX Bank : XXXX, and XXXX Credit Consultants, due to me being a veteran XXXX and a victim of identity theft.
They mishandled my information, which puts me and millions of other people at risk for identity theft and fraud. I am listed as a potential victim according to their XXXX website, and would like a resolution.
A credit card application was attempted with XXXX on XXXX XXXX. I have filed a fraud report with them and would like to have this hard credit inquiry removed from my account. I did not authorize this credit card attempt.
I disputed this line of credit with Citi Bank debt XX/XX/2016 with the credit bureaus. I never got it removed from my report even though my ex-husband opened the account, not me.
On XXXX, we went onto our mortgage servicer 's website, Ocwen loan servicing to check to see if the information they have was correct. We noticed the last time Ocwen reported to the credit bureaus was on XXXX. We also noticed that we had no information prior to XXXX XXXX. In XXXX of the credit history reports, it reflects that Ocwen notified the credit bureaus a XXXX on XXXX & XXXX XXXX, when were were not late. We sent our payments to Ocwen by certified mail after we received our HAMP modification in the beginning of XXXX. Ocwen also shows that we have no payment history for XXXX XXXX, XXXX thru XXXX XXXX and XXXX XXXX to present. Please review our payment history printout. As you can see, from the payment history report that was printed on XXXX, we paid Ocwen on time since XXXX. Please review all enclosed documents. On XXXX, we called Ocwen to have these issues corrected but Ocwen failed to accurately report once again to all the credit bureaus. On XXXX, we went back on Ocwen 's website and printed up more documents. As you can see, Ocwen changed our credit reports and is now showing, no payment history available from XXXX XXXX & prior which is incorrect when we made our mortgage payments every month and on time ever since we had received our HAMP modification in XXXX. Per CFPB request, we can provide documentation that we made our payments and on time! If this occurs, Ocwen must be held responsible for my time/costs to locate all the documents! On the new credit history report from Ocwen, it reflects no history in XXXX, no payment history available from XXXX to XXXX XXXX, XXXX to XXXX XXXX. Enclosed are copies of the reports printed from XXXX website along with the credit bureaus reports for XXXX XXXX and XXXX XXXX along with a HAMP modification that was executed in the beginning of XXXX. Again, we sent all of our mortgage payments to Ocwen by certified mail every month and they were on time. Ocwen loan servicing has failed to comply by the law ( s ). Ocwen has failed to report our mortgage loan by law to all of the credit bureau 's on time ( monthly ) and accurately. Ocwen and it 's affiliates must be held accountable for their actions but not limited to the following ; fines being imposed, loss of business license, criminal charges, lawsuit. By Ocwen not reporting on time and accurately, Ocwen has damaged our credit history/rating ( fico scores ) causing us not to be able to get a loan. We request that Ocwen loan servicing correct these issues and report accurately going all the way back to XXXX, to all of the credit bureaus immediately.
I have made my payments to West Coast Servicing on time and in the correct amount. West Coast Servicing has notified me that the terms of the loan have changed and that I have/had no say in the terms of the loan. The loan is not collateralized and West Coast Servicing has informed me they intend to foreclose. I have contacted them and asked for mitigation of the loan. They have not responded to me other than sending monthly statements which do not explain the charges. I have written to them offer a payoff amount and they have not responded to me. I would like to draw your attention to the fact that West Coast Servicing has not been compliant in the following ways : 1. The servicer must establish or make good faith efforts to establish live contact 2. The servicer must inform the borrower about the availability of loss mitigation options 3. The servicer must assign personnel ( which can be one or more persons ) XXXX to the delinquent borrower, or an authorized agent of the borrower, who will be available via telephone, immediately or in a " timely manner 4. The personnel assigned should be able to respond to the borrower 's inquiries and assist the borrower with available loss mitigation options 5. The servicer must enclose a separate page with the periodic statement or in a separate letter : including the date the borrower became delinquent 6. The servicer must include an account history covering the period since the account was last current or for the last six months, whichever is shorter, and showing for that period the amount past due from each billing cycle and the date on which any payment was credited as fully paid ; 7. If the borrower does provide any information that would be evaluated as part of a loss mitigation application, the provision of the information IS an application. 
8. the servicer must review the loss mitigation application to determine if it is complete. This must be done promptly after receipt of the application. 


Thank you, XXXX XXXX
My identity was stolen. I filed a complaint, police report, affidavit, etc. I contacted the original company, and the collection agency to resolve this debt. Both of them keep sending me to each other, and neither will help in resolving this issue. I have spoken to supervisors at each company and still get the same answer- contact the other company. I want this debt removed from my credit, as it was fraudulent. The collection agency even offered to settle for {$300.00}! I am not paying a dime to a company I never had an account with!
Verified that the collector that is reporting on my credit is not licensed in my state of Florida. I did call and speak with the representative to verify my debt and that if they are licensed they informed me that they were and still attempted to collect.
The credit reporting agencies, have XXXX XXXX an XXXX listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On Experian, my XXXX accounts are closed and wit no late payments. However, on XXXX, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.
XX/XX/2018 - Received a call from XXXX XXXX XXXX. They wanted me to confirm my address and I refused. They rudely, repeatedly and forcefully insisted that I was obligated to confirm my address. I told them I would not give out personal information over the phone to someone who I did not know. I told them to send me a letter to the address they had on file & they could confirm it that way. They insisted that theyd already sent a letter but I hadnt received anything. I said they should send me something in writing and do not call me ever again. 

XX/XX/2018 - Received another call from XXXX XXXX XXXX. Same conversation : rude, forceful and repeated insistence that I confirm my address. They insisted I owed them a confirmation of my mailing address. I said dont call me anymore, send me something in writing if you have my address. I told them I would not give my personal information over the phone and I clearly stated Do not call me again. 

XX/XX/2018 - Received a letter from XXXX XXXX XXXX  stating that I owed {$7400.00} to a Mr. XXXX XXXX with " Inspiration and Results ''. ( I do not have a copy of this letter. ) XX/XX/2018 - Sent certified cease & desist letter to XXXX XXXX XXXX instructing them to stop contacting me. ( See attached for letter and confirmation of receipt. ) XX/XX/2018 - Sent certified letter to XXXX XXXX XXXX as follow up stating that I dispute the debt. ( See attached for letter and confirmation of receipt. ) XX/XX/2018 - Received another call from XXXX XXXX XXXX, similar in nature to the previous calls. I told them not to call me ever again. 

XX/XX/2018 - Received a letter from XXXX XXXX XXXX claiming that I now owed {$7600.00} ( see attached ) XX/XX/2018 XX/XX/2018 - Received a letter from XXXX XXXX XXXX claiming that I now owed {$7700.00} ( see attached )