WillisBack/dataset-financial-user-claim huggingface dataset:
I was coming home earlier this month maybe around the XX/XX/XXXX or XX/XX/XXXXand was greeted at my garage door by a repo man. He stated that he was here to take my car. I told him I paid my payment on XX/XX/XXXX and that I did n't have another payment due until XX/XX/XXXX. He stated that he had been instructed to pick up my vehicle and that he would be calling the cops if I did n't give it to him. I told him to call the Police and we could wait together. I asked him to leave my property ( he was in my garage ) and he declined. I advised that I would be calling the cops if he did n't get off my property. The man got in his truck and sat on the side of my house for about 15mins. The Police that he claimed to have called never showed up. 
The next morning, I called Go Financial they stated that they had been instructed by XXXX not to accept my payments. I was confused because XXXX is a dealership and Go Financial is my finance company. Go Financial told me I would need to speak to XXXX and I was then transferred. XXXX stated that there was a problem with the payment for downpayment. I advised them that due to death in my family there was an oversight. I offered to pay and they declined. They told me I could n't make any sort of a payment on the account with Go Financial. I asked for a supervisor and was told the same. I called back on XX/XX/XXXX and asked for a supervisor and asked if I could make the payment. I re-explained the situation and was told no. I asked them why they were forcing me into default and they stated that they would need my van. I told them I have worked hard on my credit and I did n't want a repo and that I would like to pay. They declined again. To date they still will not accept my payment and they are forcing me into default. I am willing and capable of making payment but they will not take it.
I was charged {$350.00} in overdrafts over the course of three days. 
I checked my account and realized I had pending charges that would put me negative if I did n't bring the account current. It was about {$5.00} in tota, l I would be negative. So a deposit was made and cleared by morning and my account was positive. But then the bank charged me for XXXX overdrafts from the day before. I could only see XXXX charges but they said that the XXXX XXXX is invisible and I do n't see it. ( Wait..What did she just say, I cant see it ) Its pending, I think is what she said. So I 'm like Ok. So when that pending transaction clears and posts, and I am able to see it, am I charged another overdraft fee for the same thing. Because that is what it seems like. 
Anyways I did not know my account was negative so it all went down hill from there. When I realized it XXXX days had passed. I went to pay for my husband and son 's birthday dinner only to find I was overdrawn over {$200.00}. And when woke up to call another {$70.00} was charged. So they did refund {$70.00} back but I still dont understand what went wrong. I dont know if they are reordering the transactions or what, but I did ask them to take me out of whatever program I was in that that consents to them paying a charge for {$.00} and then charging {$35.00} for it. I would rather the {$.00} be declined. I am XXXX in a state that is very seasonal. I need all the money I have to survive and dont appreciate being charged a ridiculous amount of overdrafts when I have several accounts. I am seriously considering taking my business elsewhere, XXXX consumers deserve more respect.
Ocwen was to deduct my mortgage payment from my banking account. For unknown reason the payment did not go through. Ocwen never contacted me. Only when we sold our home did I find out that they were reporting me late every 30 days. When I contacted them it was revealed that the contact information on my account was someone else 's to include the mailing address. When I asked to have these late payments taken off my credit report they stated to me " Well you were late even if we did n't contact you '' and hung up the phone.
I sent the company Balance Credit a revocation letter on XXXX/XXXX/16. They acknowledged and agreed to this request on XXXX/XXXX/16. On XXXX/XXXX/16 they debited my checking account for {$220.00}.
Unauthorized credit inquiry on my XXXX credit report.

I was a victim of identity theft.

XXXX data hack. My information was compromised. Some was using my identity..
hello my name is XXXX XXXX, and I was aggressively and thoughtlessly coerced into buying a car I did n't want and could not afford. on the date of XXXX XXXX XXXX I was just walking around and browsing at cars I had come across a little bit of money from a family lawsuit and I decided just to look around I was and currently still in a homeless situation. I asked the Nissan dealer about a used car that was outside and he said used cars are no good to just come in someone will help you. but I said I was interested in just some information on the used XXXX bmw convertible, but he insisted on making me come in. a dealer by the name of XXXX XXXX XXXX started to show me new cars in the showroom and insisted a new car was agood and better idea. I told him that it was n't because I was homeless and on a limited income of social security of XXXX a month and XXXX a month on foodstamps that I could not afford the car. he asked me how much I had avalible I said XXXX he said great I will make it affortable for you he said just put down XXXX down and your social security will cover the lowest payments on the car for XXXX a month. i did n't have any idea how to buy a car or what the options were of how much to put down and i was not prepared with any information and i had no idea about the difference between lease and finance plus a very important fact i did not even want this car at all. i told XXXX that i was not interested in the car he said do n't worry you should take it cause its new and safe.this is the Nissan dealership on XXXX XXXX, XXXX XXXX and XXXX XXXX, i became very very stressed out that he was not paying attention to my wishes and or being proffesionally thoughtful towards me at all that i started to cry and i wanted to break my hands so i would n't sign the papers. i kept telling him i am homeless and without work and without any supportive income for a high purchase and an unwanted purchase and it was the first time i was even buying a car. then when the finance manager told me to come in his office they were making fun of me saying oh mrs. XXXX XXXX is going to be living in her car and they kept making fun of me. while they were telling me to sign the papers and at this point the store hours were closed and they kept me in the store after store hours. About two months later the car got reposed and taken to XXXX then i had to go get it back and i did. then 4 months after that it got reposed again and i have never seen the car since. i called Nissan cooperation to find out what happen to the car and it was sold for XXXX dollars and then they mailed me a bill to pay off the rest for 9000.00 before this happened XXXX XXXX said i can give the car to my wife and she can take the car off your hands pay the payments but you pay the insurance till you get yourself off your feet. i thought that was very unfair. when i tried to return the car the Nissan dealership called the cops on me and said if you do n't come back and get your car we will arrest you.
There is an error in my credit report. One of my CitiBank credit card is showing as closed on XX/XX/2014 but I didnt close it.
I had unemployment insurance on my Capital One account and they marked my account late 6 times on my credit report.
I opened my mortgage with XXXX onXX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX onXX/XX/XXXX. The closed account for XXXX is still reporting negative on XXXX and Experian. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.
Amex issued me a credit card under a promotion. Called in after i received the card and was tos old m account is eligible for the the promotion and all is fine. points ave been issued, Amex then took the points bas back after 90 days. No letter just action like ike the wild wild west .... Now I am told that I should never been eligibl because i had this account before. 
Why do I have a problem with this behavior. 
1. I expect a letter, amex sends me a letter for everything but not in this case ... I normal get an letter from amex when the CEO taking a ... ... 
2. Called CS after getting the card and before I paid the the fee and where told that i am elegle for the promotion and all is fine on the account. Why does it take 90 days to figure it out? 
3. If the reason " had the card before '' XXXX ; why does it it take 90 days to figure it out, looks like amex has no real handle ( database ) to know or is just incompetent .... 
4. Did amex took the the time to generate revenue & membership fees with the background information that the had at the application date, that they will back out later time ( or wise out ), please explain the timelines & time taken .... 
5. Not possible to get o get written answers from AMEX ... ....
Lender charged my account when it was not expected/unauthorized, which cost me overdraft, return check fees, and bank account is at negative status.
I contacted equifax, XXXX, and XXXX XXXX on XX/XX/3018 however XXXX XXXX and equifax Ive contacted both parties on several different occasions. Ive sent certified letters to equifax requesting an updated letter showing me what information was used to verify my account and was advised by Mr XXXX badge number XXXX that they dont have a system that can verify that account and once the verification is provided its not kept on my file. I was advised by supervisor XXXX to send a copy of my police report which Ive sent it.
Not only have JPMorgan Chase Bank , N.A . and its Agents failed to produce a live physcial note with a wet signature which secures the collateral tied to a " mortgage '' that has violated various regulations set forth in the Truth-In-Lending Act, JPMorgan Chase Bank , N.A . and its Agents, continue to abuse their customers in foreclosure after committing mortgage fraud by altering documents and attempting to exercise expropriation of private property unaffilated with said " mortgage ''. 

Statements set forth in Notice of Sale Pursuant to Judgement of Foreclosure under Illinois Mortgage Foreclosure Act are not true and not correct. The Attorney representing JPMorgan Chase Bank, N.A fraudulently added an additional Tax no. ( XXXX ) to the Notice of Sale Pursuant to Judgement of Foreclosure dated XXXX XXXX, XXXX under Illinois Mortgage Foreclosure Act that altered the Judgement of Foreclosure and Order of Sale filed on XXXX XXXX, XXXX. The Motion to Stay Foreclosure Sale filed XXXX XXXX, XXXX is attached to the complaint. 

The additional Tax no. ( XXXX ) fraudulently included on the Notice of Sale Pursuant to Judgement of Foreclosure under Illinois Mortgage Foreclosure Act is owned by the taxpayers listed below. This fraudulent addition of Tax no. ( XXXX ) altered the Judgement of Foreclosure and order of Sale filed XXXX XXXX, XXXX entered by Judge XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois. This is abuse by JPMorgan Chase Bank , N.A . and its Attorneys of the regulations set forth in the Illinois Mortgage Foreclosure Act to expropriate private property for private use without payment of compensation to the below taxpayers. 

Taxpayers of Record : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Taxes are paid by the Taxpayers of record as listed above for the Tax Year XXXX.
Received my credit card bill yesterday and there was a {$19.00} charge from Transunion. 
We called last night to find out what this is and we were told it was for credit monitoring services " which we NEVER ordered ''. 

2 issues here : 1. Transunion fraudulently engaged the service and began charging us.

2. Their contract call center is nothing but a group people who lie.

As they speak with a foreign accept, they are no doubt outside of the US. The names they gave in sequence of call transfers were : XXXX XXXX XXXX XXXX XXXX  and XXXX. We did speak to one American. When we asked for real names and what country they were in they said they are not allowed to tell. This is ridiculous - we are giving our credit card numbers and SS numbers to heaven only knows where!

Second, we asked for information about who signed up for the service that they put on this account. We were transferred to various departments and finally the monitoring dept. XXXX stated she can not provide the information.

We have no doubt in our mind that Transunion is misusing their access to credit card information and fraudulently charging people for credit monitoring services. We did not sign up for this and certainly not a " subscription '' that would go on forever.

I am certainly this has happened to others and wanted to alert your agency.
On XXXX/XXXX/16, XXXX XXXX XXXX received a call from and was informed that the loan was eligible for the XXXX Lien Modification Program, Extinguishment. XXXX XXXX, from Wells Fargo, advised that a package was being sent to me with the information and document needed to fill out. For two times, XXXX XXXX XXXX spoke with XXXX XXXX where he would ask for the document, but the package had been sent to the wrong address, twice. On XXXX/XXXX/16, XXXX XXXX XXXX told XXXX XXXX that if only the XXXX was needed, it could be printed out and sent. The XXXX XXXX advised that on XXXX/XXXX/16, I was going to the office to sign the document. XXXX XXXX, from XXXX XXXX XXXX, specifically said to XXXX XXXX that the form was going to be sent out on XXXX/XXXX/16. So, on XXXX/XXXX/16 the form was sent and received by Wells Fargo as promised. 
Around the end of last week I received a letter from Wells Fargo dated XXXX/XXXX/16, saying that I do not qualify for the program because I was non-responsive. 
First of all, this is the first time that they have my address right ... only to say I do not qualify anymore ... how convenient! 
Second, how was I non-responsive? They sent the package to the wrong address twice and we sent the form the exact date we promised to send it. 
XXXX XXXX, from XXXX XXXX XXXX, called to find out what is going on with the account. She was told that : 1 ) the XXXX was incomplete -- I will let you judge if there is any missing information on the form. There is only XXXX borrower on this account and everything is filled out. 
2 ) that calls were made out to XXXX, and that someone spoke with her several times and she knew about the incomplete form. That is all a lie. After she submitted the form on XXXX/XXXX/16, she did not speak with anyone else. We are the most interested in solving this issue. But of course, it is not in the best interest of the servicer. 
3 ) the representantive on the phone ( XXXX from the Recovery Department ) stated that right now the full amount is due on this account. However, she still tried to get information regarding payments, asking if the borrower was able to make some payments of at least {$50.00} ... knowing that this amount was not going to cover the whole amount and it will just put at least some money into the servicer 's pocket. That is just wrong! She even said if the borrower could make a payment for them to try to solve the issue regarding the letter I received, as if I needed to make a payment for them to do their job. They are trying to collect money from a borrower that qualifies to get this loan forgiven. 
This is all a scheme to continue to perform fraud against us the homeowners. I am turning to you for help. 
Thank you.
The issue that I am having with Selene Fiance is unprofessional service and avoidance of reviewing my updated documents that were requested of me to send for a modification that would enable me to keep my home. I am working with a HUD approved agency and I have signed a completed package and dated with all information requested three times. The first XXXX was rejected and I filed an appeal with additional income included which was rejected for insufficient income and I complained to my counselor and Selene. My counselor spoke with Selene Finance and they acknowledged that it was an oversight on their part for not including the additional income. The application was resubmitted. Once this was done they did not reply for over 60 days and when called for status checks I was under review then I was told that the old letter that was sent to me for the previous submission was my outcome. The fact is ; they did not consider the XXXX application that I sent them. This has caused me to become further and further behind on my mortgage payments and my unpaid balance is rising so that it could become impossible for me to keep my home of 14+ years. I received the XXXX request XX/XX/XXXX to send several items again that were already sent. This is a repeat of the mortgage disaster that began XX/XX/XXXX where mortgage companies disrespected the home owner. I am appealing to the CFPB because this has got to stop, these institutions need to be held accountable and pay for their mistakes and not charge the consumer all the cost. I should have a FHA modification and if they have caused me to have more months then I qualify for they should be removed and any additional charges that I may receive. I am retired and on XXXX and my uncle lives with me permanently. I am writing to let others know that they are not alone with the mistreatment that we homeowners are experiencing from these servicers.
I called Wells Fargo because they were offering an opportunity to consolidate your credit cards and make payment interest free for 15 or more months. As part of the application that I did over the telephone, they asked which cards you wanted to consolidate. I told Wells Fargo my XXXX bank card, and my XXXX XXXX. On the XXXX I owned around {$8000.00} and the XXXX card around {$2500.00}. 
I received a letter in the mail tell me my application was accepted and I received a {$2000.00} limit. I did nothing because the card did not solve any of my problems. A week or two later I received a cardI did not use it becauseI didnt need another card I needed to consolidate my bills. I put the card in a draw. I received a bill in the mail from Wells Fargo stating they had paid {$1700.00} on my XXXX credit card. I called them and I was told it was up to me to get the money back from XXXX bank. The most they were willing to do for me was return the {$53.00} they charged me to transfer the moneyonce I return the {$1700.00}. 
I did not ask Wells Fargo to make a payment on my XXXX XXXX, I asked them to pay it OFF. Now I have two bills instead of oneboth of which I cant pay. They also are mess up my credit by using more than of their card. All of which I did not Authorize them to do.
I was forced to freeze my credit reporting with Experian because they exposed my personal information due to hacking. Yesterday I arranged for a temporary release so that I could apply for a credit card. All credit agencies EXCEPT for experian set up temporary releases at no cost. 

However Experian, the cause of the theft of personal information, charged me for the temporary release. I am at risk because of Experian and now I have to pay for the temporary release. 

They should not be rewarded and I should not be penalized. 

A refund of charges should be made.
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXX XXXX,
As of XXXX 2016, My wife and I have reached a payoff settlement on a 2nd mortgage / home equity line of credit with Regions Bank. The funds were received by the lender and the lien plus judgement were removed. The lender has not however removed the negative items listed on my credit reports which has a very negative impact on all other aspects of my financial affairs and since this was paid as agreed, I should not continue to suffer as a result of what was predatory lending practices.
Allegedly I owe on 2 accounts one for {$330.00} and one for {$180.00}. I have been harassed since 2012 about 2 payday loans that were supposedly taken out online with my information. I have disputed these accounts and they always come back as verified but no contract had ever been provided as requested and the original creditor refers me back to the 3rd party. I contacted them recently and received no resolution. I do not owe this debt and still offered to settle in exchange for deletion to get this behind me and they refused. I do not believe they own the debt and think they are attempting to fraud venerable people. Please investigate and help resolve this matter. All of my certified letters have been unsuccessful in disposition. I recently received a contract that did not include my signature after filing with the better business bureau. This is still unacceptable if I had taken out this loan they would have documents with my signature.
In XXXX I fell victim to an online payday lender, XXXX. This company is owned by the XXXX XXXX XXXX tribe and was a scam. Neither XXXX or XXXX XXXX are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named Baker Recovery Services - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of Baker Recovery Services. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.