WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 we were referred to XXXX XXXX by XXXX XXXX XXXX XXXX. The XXXX authorized person at the dealership worked out a lease deal for us that would give us payments of about {$390.00} per month. The lease was no money down, no first month 's payment, and no security deposit which is a standard XXXX deal. The lease term was 48 months with a residual value of {$18000.00} and a 10,000 mile per year. Well before we drove the two hours to get to the dealership I submitted the online application and BOTH XXXX XXXX and Volkswagen Credit ran my credit report as a hard inquiry. We had provided a deposit to hold the car when they confirmed the lease and payment and they said that would either be applied to the lease to further reduce our {$390.00} payment or we could have it refunded. We arrived at the dealership to pick up the car which we had been assured several times was ready and all we would have to do was " sign and drive. '' That turned out to be a lie. The dealership said they could not verify my income ( I am a XXXX employee and I had already provided my past three Earnings and Leave Statements ) Then I was told that I was not allowed to use my rental income then they told me it was not necessary. Then they ran hard credit inquiries three more times which by the end trashed my credit score and then came to me and told me because they could not " verify my income '' and because I had so many hard inquiries the only way they could make the " deal '' was to add an extra {$120.00} the the payment ( going from {$400.00} per month to {$520.00} ) and they would now require that I pay {$1200.00} up front and have a higher payment than what was promised. They also claimed that they could not verify that I had any previous car loans -- although I had a lease with XXXX   that was paid off early and still shows up in my Volkswagen online account. The other was an actual car loan through XXXX that was paid off in advance also. The series of lies were designed to increase the cost of the vehicle significantly -- {$6200.00} over the term of the lease. We were told our deposit would not be refunded if we did not complete the deal because they had taken the car out of stock and held it for us.
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX acct XXXX, XXXX XXXX and the listing for Bankruptcy chapter XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
PHH yet again denies us due process to receive fair access to assistance under any program in its considerable power to secure, commensurate with our need, particularly concerning Loan # XXXX. It is clear PHH is committed to continue, unabated, the practice of serial omissions and repeated failures intentionally designed to subvert fair and equitable services rendered in response to any hardship affidavit we might submit. Certainly the varied and detailed descriptions of our hardship condition ( s ), you dismiss even now, submitted on your demand, in formal application of a reasoned repayment plan, Forbearance or HELOC Refinance ( modification ) programs, plans readily available even prior to our early attempts to obtain a realistically structured solution, are adequate to your need - you provided written acknowledgement the hardship affidavits, detailed household expenditure submissions, tax transcripts and federal filings received and in your possession were adequate to complete several previous application packages concerning Loan # XXXX ( and # XXXX ) free of arbitrary or capricious currency limitations, the applications denied apparently by use of whimsical fancy, without fact based application of any information demanded we provided ; PHH betrays a committed resistance to any serious effort to evenhandedly administrate any program available, based on the financial and budgetary facts we submit ( ed ) representing an accurate debt ratio assessment. PHH demonstrates an interest solely in drawing out the process in hope to cause, discover, and/or exploit any infraction occurring as a result. 

We, along with XXXX XXXX, have cause to believe, based on evidence of the conduct by all operatives, representatives, agencies, and consigns working on behalf of the company encountered during this process, PHH does not intend to cease engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and, PHH remains in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by continued engagement in deliberate acts of harassment, the cause of undue emotional distress ; and, continued policies and practices of resistance to full disclosures, negligence, intentional " stonewalling, '' and refusal to honor requests for response to correspondence, and fair and open exchange of substantial information, important to achieve mutual understanding of facts in evidence, to establish the common ground and good faith required to reach just and equitable solution ( s ) or compromise ( s ).
I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.
I have contacted this company to validate this account. I want this removed from my XXXX  credit report immediately as I have never done business with XXXX XXXX XXXX. I do n't owe them any money.
Back in 2009, Chase Bank failed to correctly instruct me on how a reaffirmation agreement was to be filed. This has lead to my continued on-time payments to Chase not being reported to the credit bureau thus making me an unlikely candidate to refinance with them to receive a lower mortgage rate. I have been diligently working trying to resolve the Non-Reporting issue with Chase. Unfortunately Chase did not inform me back in 2009 how I was to correctly proceed with asking for a re-affirmation agreement. Thus, Chase is not able to ever report my payment history to the credit bureau. 
I have spoken with many individuals in the Chase Escalations Department only to circle back to the fact that they ca n't do anything for me. Escalations says to speak to the " Loan Manager '' and the loan manager says to speak with the " Bankruptcy Department '' and the bankruptcy department says to speak with the " Escalations Department ''. At this point, it seems that Chase is unwilling to help with our situation even though many mistakes were made on their part. 
My only goal was to refinance with Chase at a lower mortgage rate and obtain extra funds to pay off a personal debt. I believe we have enough equity in our house now that we would qualify. 
I am not sure if we can move forward from here or if upper management can give some kind of approval. I will email the Consumer Financial Protection Bureau to see if they can provide assistance. It is very frustrating being that I am a responsible customer that makes on-time payments and have been throughout my loan history. 
If you have any information you can provide, it would be greatly appreciated. 
Thanks. 
XXXX XXXX
I contacted the checkr company which is a background check provider to employers and it also being used by XXXX for detairmaining eligibility and it refreshes every years checks the eligibility based on the updated reports. XXXX been my main and only source of income for the past 3 years and on early XX/XX/2018, my XXXX account got deactivated due to number of violations which apparently was over a certain number that XXXX accepts and the source of information was checkr. I contacted checked to question it and find out the reason and I was told due to the number of violations I have on my driving record I am no longer eligible to drive for XXXX and was told I need to contact XXXX for any information. I obtained a copy of my driver 's record and noticed the number of violations on my driving record that was obtained from DMV website was different from checkr 's report. So I reached out to them and tried to file a dispute for the incorrect informations but they refused. I tried getting the supervisor on the phone and he confirmed that they are under FCRA and I asked him he requires by FCRA if the customer dispute an item on the report they have to investigate and if they can not verify they need to delete the items but he refused too and they didn't even let me file a dispute which is clearly against the FCRA regulations. Since early XXXX I lost my main and only source of income and lost all of my savings and been through a financial hardship to the point that I got a eviction notice and have no more money and no income and they all is because of the incorrect information that was provided by checkr to XXXX and also they refused to remove them or investigate a dispute. I reached out to them again and also provided them with a copy of another report from DMV website and asked them to investigate but again they refused and asked me for a original DMV documents and they do not accept copies of documents I have sent. I replied to them and notified them that they are the one who is require to have a original documents on file for each items they are reporting not me and also they have to investigate the issue that was disputed by me 3 months ago for the first time and recently again for the second time and notify me within 30 days of the resault and if they are verified they have to send a proof of verification which have not happened and they are clearly in violation of multiple FCRA terms. I sent them my final Goodwill and asked them to fix the issue and also settle the damages so I can recover from the huge losses they cause but did not receive any response from them.
Alliance One was sent a cease of communication notice on XX/XX/XXXX. They began calling my cell phone again on XX/XX/XXXX and XX/XX/XXXX. I sent another cease of communication letter on XX/XX/XXXX via XXXX, which they received on XX/XX/XXXX. On XX/XX/XXXX I received another phone call. I have not received any written communication from them.
This was not me. I had identity theft 2 years ago. They did this. Please remove it
In XX/XX/XXXX my loan had a balloon payment due. In XXXX XXXX to contact US Bank to assist me on what they can do to helpas I could not get another loan to pay this XXXX off. It is now XXXX have been going back and forth for years with no end in site. I have sesent them paperwork after paperwork. Had a short sale offer, they didnot take or even respond. Requested a deed in lieu and they did notrespond, suggested at the beginning if I could continue to make the payments as is they said no loan was due in full. After a year or so of this they said I could make up the past years payment, bring loan current then make monthly payments. At that time it was {$9000.00} pastdue. I only owed {$23000.00}. Today they say I owe {$23000.00} plus {$17000.00} past due. I took money out of my IRA to just keep up with mybills. I have had excellent credit my whole life, this has just been anightmare. They did change the mailing address so for six monthsI did not receive anything. It took they a year of me callingto correct the mailing address. this is a lot loan, no house is on the property. In XX/XX/XXXX they started foreclosure, I told them to take mylot. They have done nothing.They have ruined my credit and arecontinuing to ruin my credit. I am at the end of my rope. this problemneeds to be resolved.
XX/XX/XXXX New servicer per letter from XXXX XXXX ( Loan number XXXX ) on XX/XX/XXXX will be Sortis starting XX/XX/XXXX. To date I have not received any official letter from Sortis. ( Sortis Financial Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. I have had a housing counselor since XX/XX/XXXX ; he called Sorits last week on XX/XX/XXXX and was told that my mortgage had not been transferred yet and the information was not in the system ; therefore he could not verify my original loan information : {$120000.00} and payments are {$1100.00}. I was advised to wait until he talked with Sortis before sending a payment. I got a call from my homeowners insurance agency on today stating that Sortis wanted to escrow my account ; but I have not heard from Sortis officially. 
Spoke to my homeowner policy agency today. The caller to my homeowners policy agency was XXXX XXXX from XXXX XXXX XXXX XXXX or Sortis, at XXXX. They wanted to escrow my account, but they only wanted to pay the only the balance of the account ; not for a full year ; they were going to overnight a check. Still I have not heard from them and I told my homeowners policy agency not to make any changes. 
I contacted my housing counselor and he was in touch with Sortis and they said they acquired the loan this past Friday, and that is why I had not received anything from them yet. They said my new loan number will be # XXXX. They told the housing counselor to call back in a few days and they will start modification procedures. 
I am concerned because : # 1 Sortis called my homeowners insurance policy agency before any official paperwork was sent to me ; # 2 XXXX said the loan was transferred on XX/XX/XXXX but Sortis said they did not acquire it until XX/XX/XXXX. 
I will continue to work with my housing counselor and would like to get a loan modification with a lower interest than 11.2 % and payments less than the {$1100.00} that I am paying currently.
On XXXX XXXX, 2016, I attempted to call MacDowell & Associates LTD to discuss a possible settlement with regards to a lien against my property. We are in the process of selling this property. When I first called, the women ( who refused to give me her name ) I spoke with on the phone was initially cordial on the phone and provided me with the information I requested. When I call back a second time, she was noticeably more aggressive and agitated on the phone. The purpose of me calling back a second time was to initiate a discussion about a settlement amount. The woman on the phone became irate and began yelling at me on the phone, saying that I " better pay dat debt '' over and over again. I stated that she was yelling at me and she said that was her normal tone of voice, then she hung up the phone. I call back to try to get some conclusion to my intent for calling and she called me a " racist '' over the phone, then hung up again. I have attempted to call back many times and now there is no answer. I felt threatened and severely offended by her calling me a racist, especially since I said nothing racial over the phone. And now a high level of emotional distress for me and my wife. 

This type of language is unnecessary, unprofessional and was used in a way to attempt to threaten me and my family.
In XX/XX/XXXX a collection company attempted to collect XXXX debts from me that were not mine. They used a variation of my name and home address including an apartment number for my home. I filed a complaint with the attorney generals office in XXXX, WA. I did not hear any more. In XX/XX/XXXX ( 6 years later ) Commonwealth Collections ( a subsidiary of XXXX collections ) attempted to collect these same XXXX debts with a variation of my name and the same erroneous apartment number for my residential home address. Once again I referred the matter to the attorney generals office. The AG filed a complaint on my behalf but they ca n't impose resolution. Collections agencies are simply junk debt sellers and this is what is happening. They know this is n't me but they sell the contract from one company to the next and nobody is successful at getting these criminals to cease and desist. I want them stopped..
I purchased a gift card for {$100.00}, on XX/XX/2015 and was lost. So I reported the lost gift card on XX/XX/2015 and to this date XXXX XXXX, 2015 have not received the replacement cad. 
Please see attached receipt and the numerous calls to the company @ XXXX which has not been productive in getting our money back with a replacement card. they answer the phone with " XXXX XXXX ''
On XX/XX/2015 The Mortgage LOAN attained from XXXX XXXX XXXX was transferred to XXXX XXXX XXXX XXXX. Mortgage LOAN Number XXXX was unlawfully SECURITIZED by XXXX XXXX XXXX XXXX representative ( s ) agent ( s ) contractor ( s ) and is trading on the stock market today with CUSIP Number XXXX Symbol XXXX. 
I have sent certified letters and Affidavits of Fact and the response I received was inadequate. I requested XXXX XXXX XXXX Compliance to answer the following two questions : Was a Trust formed at the inception of this LOAN? 
Is the Trust being utilized today? These two questions were NEVER answered. Ms. XXXX NEVER responded regarding SECURITIZATION of the LOAN that was generated by my signature and thereafter used to fraudulently construct surety instruments for Profits.
Hello Dear CFPB I never received statement and i did not know i have balance. the reason i did not receive statement because i change my address XXXX month ago and Chase XXXX sent my statement to my old address. I changed my address by phone and they did not update it and they sent statement in my old address. Its triggered my account to go XXXX days late and all my credit has been ruined. I have mortgage and my interest rate has been hike up double and i will end up paying many XXXX XXXX dollars over year in XXXX yearrs mortgage.
Navy Federal Credit UNION refused to except my " promissory note, '' as an  ( security ) , as LEGAL TENDER, under current statutorial law. pursuant to the HOUSE  JOINT RESOLUTION 192 and public law 73-10, this credit union can not req uire an payment complaintant to pay neither GOLD, COIN, or any particular kind of currency of FEDERAL RESERVE NOTES, BANK NOTES, CERTIFICATES etc. as declared to be against PUBLIC POLICY ... Also the denial of my promissory note as LEGEAL TENDER, under Uniform Commercial Code and securities law clearly demands this authority. this credit union refused to except the payment of legal tender as law requires.   see titl e 31 USC s. 5118 ( d ) 2 ). title 31 s. 463 9728    XXXX   XXXX   XXXX   XXXX   XXXX  . This whole procedural is fraudulent. THUS putting this information on my credit information and social security information ....     Date :  XXXX / XXXX / XXXX  Amount : {$540.00} NAVY FEDERAL CREDIT UNION  XXXX   XXXX   XXXX   XXXX   XXXX , VIRGINIA  XXXX
I have not received a bill for this charge. Also I do n't remember going to this business for services. I need more information regarding this debt. This is quite confusing to me. I believe it 's a mistake on their part.
I received a call from a company, XXXX XXXX, stating that I owed a payday loan that I never took. I did look into one years ago, but the fees were outrageous and I did n't finalize anything. They stated that it was my responsibilty to prove I did n't take it and that the fact that they had my information was enough for them to prove I did. All I have is a phone number for them, XXXX and after searching online, I found that they are doing this to alot of consumers.
These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from XXXX and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to Equifax. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against Equifax , XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the  consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.
u have 5 paid ahead on my cbt acccts that u are reporting as deliquent or mis reporting all and 3 i never head of and dont ahve accoutns with the n the issue of some cr one selling my acct and the company rsnv is fraud and theft i have paid and they ahve not paid and taken funds i will never pay them ever they need removed and investigated report the 30 years of my pervect credit not the 3 companys i dont ahve never heard of and that are fraud on my cbt b before i file lawsuit on experian for mis reporting u donot ahve my permission to share any of my info bexase u ahve XXXX  up my files and the othere ageXXXXnxys ahve it right thtas why i wont us exparian in my business of 30 eyars cc my attorneys Account Name IA FRAUD AND I I WIL NEVER PAY AOMWONW I SONBT KKNO OR USE THEY ARE NEVER BEING PAID AGAIN LXXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX.

Open DateXX/XX/2018 Balance {$1100.00} Debt {$1100.00} Contact Information XXXX XXXX XXXX XXXX SC XXXX, ( XXXX ) XXXX
I had applied for credit and was rejected. I requested a copy of my credit reports and learned that I have medical collection accounts reporting that should not be reported. 

First of all, the accounts listed below belong to my parents, not me. The balances were from medical bills that incurred while I was a minor and my parents were the financially responsible party. 

Secondly, the original creditor, XXXX XXXX XXXX, has decided not to pursue collection efforts on these accounts due to my parents because of a Chapter XXXX Bankruptcy that they filed. 

Account # XXXX in the amount of {$170.00}, # XXXX in the amount of {$15.00}, # XXXX in the amount of {$1200.00}.
AFTER A SYSTEM GLITCH I HAVE N'T RECEIVED MY DIRECT DEPOSIT FOR {$380.00} AND ALSO THE BALANCE THAT WAS ON MY CARD BEFORE THIS GLITCH IS GONE WHICH WAS {$540.00}
XXXX XXXX by XXXX billed me for water I never received. When the account was first open I received one case of water and a cooler bought. They billed me for water that they never delivered. They never came back to my address. I remember clear as day the driver was complaining about the drive which was in the year XX/XX/2009.