WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; On XX/XX/2018. While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX location around XXXX XXXX in the afternoon. I notified the salesman of this error and he ask the Manger,  XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue.

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX  and the other in XX/XX/XXXX. The vehicle purchased in XXXX, according to GM Financial, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the XXXX XXXX  and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this.

Since we were recommended by a friend who said that XXXX XXXX XXXX  always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
XXXX XXXX XXXX and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.
my name is XXXX XXXX. I am a XXXX person on Soc. Sec. I have placed complaints before on Ocwen Loan servicing LLC. All payments have been on time for 13 years. 
I have a XX/XX/XXXX Loan Modification for which I presented hardship. my Loan has a no prepayment penalty clause. This matter was placed before the XXXX Superior Court which ruled Ovcwen to be in breach and violations. In XX/XX/XXXX settled. Ocwen had me assume a forgiven {$120000.00}. upon payments difficulties I contacted Ocwen and their attorney for which I sent you response on last complaint. See enclosed documents showing specific clauses quoted by Ocwen ; s attorney and manner by which payments were to be made on loan. Please note specifics that for any references in the future there was no need but to follow payment of UPB then make payments to deferred principal thereafter which I have made for over a year. please note I am on a food program in order to send Ocwen my entire Soc. Sec. check. Ocwen in stead began placing loan in red although I sent them all my family 's savings as there are several of us XXXX in the home. several checks were sent of {$28000.00} {$12000.00} and numerous {$1600.00} and {$1500.00} totalling about {$100000.00} dollars in the last year, loan account is still in red, and recently a un-requested charged appraisal was made with request to refund. none to date. ocwen informed me in XX/XX/XXXX payments sent will no longer be accepted as they want me to pay total deferred amount which I can not. please see XX/XX/XXXX mod. and no prepayment penalty statement. after a year making payments to deferred principal for this loan. please note I suffered a XXXX XXXX and two XXXX and uncontrolble XXXX which I advised Ocwen about due to Ocwen actions. thank you
all I am trying to do is access my Equifax credit since the breech I have been unable to access it I have been calling Equifax for 7 days straight 2 to 3 hours a day calls gets answered overseas by staff have no knowledge no care about united states consumer I pay them for membership {$12.00} month to protect my credit I am trying to lease a vehicle and due to the fact my credit is locked I am unable to do the purchase Equifax unable to unlock my credit it is frustrating calling daily and no help specially when you have your call answered by a person overseas who would care less I am amazed as big of a country as we are we have people overseas handle our sensitive information It has to be someone I can contact or write to who would listen I have attorneys work for me I will be glad to file a law suit against Equifax I can be reached at XXXX
Problems Reaching Asset Manager, Problems with Lost Hamp Modification Packages sent to Bayview Loan Servicing. 
I have sent several qualified written request via emails regarding lost Hamp Modification Package Applications. ( See Exhibit I emails to Bayview Loan Servicing regarding reaching Asset Manager and Lost or misplaced Hamp Packages ). 
On Saturday XXXX XXXX, 2016, I emailed another " Hamp Modification Package Applications '' due to the XXXX 2016 and XXXX 2016 Hamp packages that were mailed were lost or misplaced ( Another Asset Manager indicated when the packages go to Florida, which was the prepaid envelope sent to me that sometimes they are misplaced or lost so she indicated for me to email the package to my Asset Manager XXXX XXXX. 
On XXXX XXXX, 2016, I received an automated response that my Asset Manager would contact me within 24 hours of her return on Monday. It is now XXXX hours and no response. Upon calling my Asset Manager XXXX XXXX, the message indicates, that on Wednesday she will be there until XXXX. and then she does n't return until Monday, XXXX XXXX, 2016. 
The problem I am facing is I have a XXXX husband and Bayview Loan Servicing has a foreclosure dated on our home, XXXX XXXX, 2016, this foreclosure has remained although we have sent in three previous Hamp packages. This package emailed will be the fourth package. Please have someone call me about cancelling the foreclosure sell date on my home until my HAMP modification package is processed. Thank you for your time and trouble. 
In addition, due to Bayview having all my phone numbers preprogramed to go to only to my Asset Manager XXXX XXXX, I have to go borrow a neighbors phone to follow the directive XXXX XXXX left on her voice mail today to not leave a message but to call customer service. You can reach me at ( XXXX ) XXXX.
I have disputed an XXXX account with Enhanced Collections. I have never had an account with XXXX. I contacted Enhanced directly and asked them to provide proof of this account. They have not done that. 
I then disputed it with the bureaus and it remains. This is a violation of my rights under the Fair Credit Reporting Act.
i recently pulled a copy of my credit report and saw these inquiries date of the report is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX Home phone : XXXX XXXX XXXX I Have Attached a copy of my experian Credit report WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
I received a call from XXXX which belongs to a Portfolio Recovery collection agency. They left no message. When I checked my credit report this appears to be an old XXXX XXXX credit card through XXXX Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts.
I recently checked MY Credit report on XX/XX/2018, and I noticed an account was in collection for XXXX a medical debt. with no collection company or original company, I had to call into XXXX to find out who was reporting me. they had told me XXXX XXXX XXXX was the owner of the debt and the original company is XXXX XXXX XXXX. I have yet received any contact from XXXX XXXX XXXX which makes them unprofessionally. I want to know Why my medical information is being sold to a 3rd part debut collector in which they have violated my personal rights under the HIPPA Act. Do I want to know if this Collection company is legally able to collect in my state of California? 

I also want to know who your insurance company and policy number to further pursue legal action against your company.
XX/XX/2016, I received a letter from American Express informing me that it has decided to close my credit cards account due to a charge that occurred on XX/XX/2016 that involved XXXX for {$6200.00}. American Express believes that the charge was submitted by a merchant with which I associated with and it believes that no goods or services were rendered by the merchant in connection with this charge activity. I state that this claim is false, since I did purchase windows from XXXX and I do not own or have any association with this company.
XXXX  will not correct my prior student loans off my account, some were fraud some a double posting. All over 7 years ago, some still on after 15 years ago. I used muilti lawyers firms and XXXX XXXX  to settle my account. None are even to be posted to my account. 

XXXX  noted in my dispute file that I have already disputed the account and they don't have to do anything else about it.. 

Federal and state illilgal. I should be able to dispute any files till it's corrected.
my rent check is dated XXXX, my XXXX yr old land lord who lives XXXX, i live XXXX ... without my knowledge deposited said rent check on XXXX causing me an overdraft of {$35.00}, money i do not have ... knowing my social security check would not be deposited until XXXX, in essense i was set up to fail! upon calling WF, they offered me a {$8.00} refund. how can anyone survive when the system is so rigged for us to fail? what good is a date if it 's not honored? also i think this is perhaps the 1st time this has happened in XXXX yrs with WF ... and they treat me this way, where is common sense and customer care? very disappointed and {$35.00} poorer ... thnx WF for having your customers back
My wife keeps getting harassing phone calls on her cell phone from Diversified Consultants, Inc. We do not owe any debt yet they keep calling her despite being told that she is not the person they are trying to contact!!. Now they are even calling her cell phone!
In XXXX / XXXX of XXXX, I began to have payments debit automatically out of my Charles Schwab account for a vehicle loan I have with XXXX. I have paid this loan on-time for close to 36 months now.. Without notice or explanation, Charles Schwab stopped making those payments in XXXX of XXXX despite adequate funds to cover the payment. I subsequently was charged late fees and, more importantly, had my credit report damaged by the late payment. When I contacted Schwab, they said that the system must have set XXXX as the stop date in error. Once I asked them to provide a letter to XXXX XXXX so that my credit could be corrected, they changed their story and said that I had erroneously set up the account to stop payments in XXXX XXXX, even though the loan has payments through XXXX. I set up the payments to terminate upon the loan 's termination, not in XXXX of the preceding year. The loan is n't even due in XXXX of XXXX, so there is no reason to select XXXX as a termination date. The representative said that it was a " legal issue '' surrounding admitting to mistakes and offered to pay the late fees for me. The result of Schwab 's refusal to correct the issue is that my husband 's credit has dropped by over XXXX points. We are applying for a loan for a new home, and Schwab 's error is going to cost us thousands in additional interest expense, assuming that we even qualify for a loan any more. Outside of the late payment for XXXX, his credit is clean and used to be in the high XXXX 's.
I have banked with Chase for 30 years and received a letter from XXXX XXXX at Chase on XX/XX/2018 dated XX/XX/2018 stating that my loan servicing was moved to XXXX XXXX XXXX ( XXXX ) effective XX/XX/2018. I called XXXX at XXXX   on XX/XX/XXXX to make payment and XXXX said they did not have my account information and to call back next week. I don't want my mortggae payment to be late and I can't pay at Chase like normal and XXXX  does not have my information like XXXX XXXX at Chase said they would have it as of XX/XX/2018.

I called XXXX   again on XX/XX/2018 and they still don't have my information.

I called XXXX XXXX, Managing Director, at Chase ( XXXX, and I get put through to the XXXX  and they tell me that XXXX XXXX   will not call me back even though he signed the letter sent to me on XX/XX/2018. I spent an hour and 20 minutes on the phone with Chase employees in the XXXX  on XX/XX/2018 but they do nothing and just tell me to pay my mortgage late next week when XXXX  should have the information. No one will put me through to XXXX XXXX  Managing Director at Chase who sent me the letter explaining the change in serving. If they don't transfer the account properly it should go back to XXXX XXXX  at Chase. Why does he send me a letter than hides and refuses to come to the phone at the telephone he noted in his letter. XXXX XXXX Managing Director, Chase, XXXX. I attached a copy of the 6 page letter. Why are these executives at Chase such cowards hiding from their customers of 30 years.?
Representative of company came to my elderly mothers door and sold her a loan for which he claimed the government would pay for. Included in this loan was an option to purchase life insurance. My mother purchased life insurance and amount was included with loan payments thru XXXX. XXXX  sold loan to another company etc etc. Loan is currently thru XXXX XXXX XXXX XXXX. My mother XXXX on XX/XX/XXXX 2017. I contacted XXXX XXXX XXXX regArding life insurance and was told they had no info On life insurance and was unable to access original records of XXXX so therefore life insurance could not be honored.
chase bank foreclosed on the previous owner not me, and added my name to the foreclusre complaint a day before the judgement and did not summons me
I have sent several letters/disputes to XXXX XXXX, XXXX, and Equifax about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX
On XXXX XXXX, 2015 I send a debt verification letter to Receivable Performance a collection agency. The agency dont answer the letter. This agency report the account # XXXX to XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ). I have copy of the Certified Mail Receipt and USPS tracking card and copy of debt verication letter.
My previous Complaints with Nationstar have not been resolved. NS obstructed a refi loan that would have paid them in full. NS has illegally increased the prin. bal due on the loan, and has violated Fed and Nv. State laws. NS has not and can not prove the legal owner/ investor in the XXXX XXXX, nor can NS prove it has the legal right to service the loan. No assignments of the loan have ever been recorded in XXXX Co. Nv. The XXXX assertion of transfers have not been substantiated, and XXXX has refused to answer specific questions as to who authorized them to change their entries as to investor/ servicer. No Fed or State agency will take jurisdiction over NS 's misconduct and the numerous accounting ( documented ) errors.I have tried for years now to resolve the multiple issues, and have prepared a Complaint ag. NS to be filed in Fed. Crt. if  necessary. Hopefully the New CFPB will investigate NS again, and not just fine them but force them to resolve consumer Complaints ... XXXX
This is a follow up to complaint # XXXX that I filed. The company has still not sent me a check for the surplus escrow balance even though I did receive a new escrow analysis. This was in the original complaint.
In the last ten days my credit report with Discover Student Loans has read three different things. The last one is the most damaging.I believe this is in retaliation for me disputing the credit report and asking them to validate the information. They are behaving in a malicious manner. I believe Discover Student Loans is trying to keep me from asking information that is within my rights.
I received a TPD discharge on student loans. XXXX has notified all Credit Reporting Agencies. XXXX loan holders are still stating that I have made late payments, these are supposed to be removed from my credit report after TPD discharge. In addition, the discharges are reported as transferred over to a new agency, which is a negative report. I cant find out from Credit Reporting Agencies or XXXX if it is an error in the way XXXX reports to the reporting agencies or how the agencies are documenting. Either way, a TPD discharge should not drag my credit down, it should improve. It has been over six months with no resolution Thanks
This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to XXXX  and Experian. After challenging the validity of the account I received feedback from XXXX on XX/XX/2018 which stated that the account was being deleted from my XXXX   account due to being unable to very this debt with an original instrument of indebtedness. Experian has stated that the account was verified and updated the status to paid, however they have failed to provide this original instrument of indebtedness. My concern is that the company could not provide this for XXXX, but somehow provided it for Experian. It is my belief that Experian is utilization information from a third party to validate this debt and without this documentation actually being provided. In a recent review of my credit report I see that this account was in fact not deleted from my XXXX and still remains in a negative status which is negatively impacting my score. The account in question does report to Experian as being paid status, it does however have a negative payment history which directly impacts my ability to purchase a new home.
During XX/XX/2017, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.
I received a letter from Equifax on XX/XX/2109, stating that based on the contents of my Equifax credit file as of XX/XX/2019, my credit score is unavailable. I still have no valid current Equifax Credit Score. This is unacceptable and MUST be addressed immediately. I then called Equifax Customer Service and spoke to a supervisor named XXXX around XXXX XXXX. She stated her employee ID was XXXX. Despite answering a series of questions correctly, she refused to confirm my identity and was very unhelpful. Nothing was resolved. Finally, despite the enclosed confirmation from Equifax that they changed my name to XXXX XXXX, I continue to receive correspondence in my maiden name, XXXX XXXX. This is more than unacceptable. We also tried filing a complaint with the Federal Trade Commission. We will follow through once the government is funded. We have filed a complainant with the XXXX XXXX XXXX as well.
On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
In XX/XX/XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XX/XX/XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XX/XX/XXXX and XX/XX/XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX dated XX/XX/XXXX that says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XX/XX/XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XX/XX/XXXX, how  could I have late payments in XX/XX/XXXX and XX/XX/XXXX of that same year? 

Thank you for your help in this matter.
The following is an addendum to the complaint I rendered on XX/XX/2016 pertaining to my loan modification with Nationstar : I neglected to mention that this loan was written under the auspices of the MAKING HOME AFFORDABLE PROGRAM via the U.S. government, which was designed to make mortgage payments more affordable for struggling homeowners. Nationstar arbitrarily increased our modified payment -- under the guise of re-paying an " escrow shortage '' ( that we knew nothing about ) pursuant to an " escrow analysis '' that Nationstar suspiciously conducted -- without our knowledge -- AFTER we signed the loan agreement for the moderately " more affordable '' modified payment. HOW IS NATIONSTAR COMPLYING WITHIN THE GUIDELINES -- AND ADHERING TO THE PURPOSE OF THE MAKING HOME AFFORDABLE PROGRAM WHEN THEY ARE INCREASING SET MODIFIED PAYMENTS- ( BEFORE THE PAYMENT IS DUE, AT THAT ) THEREBY PERPETUATING THEIR PRACTICE OF GAUGING AND BLEEDING THE CONSUMER OF FUNDS THAT THEY DO N'T HAVE? Nationstar 's actions pertaining to the underhanded increase of the modified contractual payment reek of XXXX -- and are against the law.