WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I filed my third complaint with all three credit reporting agencies about my account with XXXX XXXX XXXX. XXXX XXXX XXXX will not give me proof why they are showing that I was late for the last three months on the account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX agencies and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for one of the reporting agencies. XXXX XXXX XXXX also failed to show proof to the credit agencies about the late payments. XXXX removed the payment history, however, the other XXXX agencies have not. I disputed because it is negatively affecting me and I want the 30, 60 and 90 day late payment status removed. Transunion was contacted prior to me filing this complaint and they removed the previous complaint from off line and started a new complaint. I could not access the my dispute report for XXXX because they asked for an investigation ID #, but there is no investigation ID # on the mailed report. It asked me to call the number on the report, but no phone number for XXXX is listed in the report that was sent to me, and no phone number is listed on the website.
XXXX XXXX, a company that I worked for, sent a loan that I took with them to attend a XXXX XXXX, to a lawyer group within a week or two of me leaving the company. That lawyer group then contacted me telling me I had to give them XXXX % up front, then pay {$250.00} a month, otherwise they would file a lien against my XXXX preventing me from being able to obtain a job using my XXXX. When I told the lawyer group, Will Rush, that I was unable to meet those terms, they said I should borrow money from someone in order to do so, because they were going to file the lien if I was unable to. The lawyer group refused to work on a reasonable repayment option with me.
Chase has left fraud in my account for a number of years, and charging interest on a balance that started over {$30000.00}. Chase has profited an estimated {$15000.00} on the fraud to date. " Crime has paid for Chase '' is a true statement in this case. 
Chase has treated this like a legal settlement, offering a fraction of the amount so we do not end up litigating it. We would have money to litigate it if we were not paying the interest every month and risk Chase damaging my credit due to stopping payments on the fraud they continue to report on my credit for nearly three years now. 
The merchant that committed the fraud admitted to the fraud, and Chase refused to provide fraud protection as it disclosed to me, and it discloses to all the public. The merchant went to jail, and signed a swore statement noting nor product or service occurred, only fraudulent charges via the merchant account for XXXX. 
CFPB has provided no help to me.
Original account was purchased by XXXX XXXX XXXX XXXX and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. XXXX closed there doors and was purchased by another company named Resurgent Capital Services located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened XX/XX/XXXX and the original delinquency was in XX/XX/XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.
I have been contacted to pay {$7500.00} for rent I do not owe by RentDebt Automated Collections LLC. The debt collector is acting on behalf of a former landlord of mine. I was released by the landlord from my month to month lease on XXXX XXXX, 2014 having paid all monies owed.
I was a victim of identity theft and noticed a collection from ARS ACCOUNT RESOLUTION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ARS ACCOUNT RESOLUTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
My payment has always been under {$2100.00}. My XXXX XXXX was for {$5100.00}. The tax bill sent was for the entire parcel of multiple units. I notified Ditech immediately. They basically told be it was my problem. I contacted the XXXX XXXX Tax board and provided Ditech with the contact phone number. I have continued to make {$2100.00} payments. They have not addressed the issue. They are also charging me for insurance with is paid to the association as is customary. They are charging me late fees and reporting my payment late to the reporting agencies. I have talked to several Managers. Most recently XXXX XXXX at ext. XXXX. He has done nothing to help and does not return my calls. This Company seems totally without concern or customer service. I want so bad to get away from this Mortgage Company but they have ruined my credit so I can not refinance.
during a tour of XXXX last XXXX my banking information was stolen along with {$4500.00} in cash. I immediately notified Citibank and asked for a new bank card. It was to arrive in XXXX in two days, it never arrived. We waited 3 extra days at the hotel ( at {$100.00} a night ) but still no card. We had to borrow  money from our traveling companions. I came all the way back to XXXX XXXX ( the closest Citibank ) and got a temporary card. They were to send me a permanent card to our hotel in XXXX AZ but it never arrived. I was angry and tried to close the Citibank account but they would not close it. I started an account in another bank and attempted to transfer the {$3000.00} balance to my new bank but they would not do so, said I only had {$1100.00}, not the {$3000.00} I had previously seen on deposit. I then asked Citibank to send the account ledger for the last 3 months and they ignored my request, several phone calls later plus written requests were ignored. I still do not know what happened to the missing {$2000.00}. I want an account for deposits and expenditures for XXXX, XXXX, XXXX and XXXX of XXXX.
I financed 2 cars through BMW financial services on XX/XX/XXXX and XX/XX/XXXX. They were both taken from me ( repo ) on XX/XX/XXXX with a one day notice. They were taken because of where they were located and not for missed payments. They said that the contracts states that the cars must be garaged at the address on the contract or I am in breach of contract. A BMW financial employee that represents the company was personally looking at my social media accounts such a XXXX and XXXX. He actually wrote a letter stating that was not true and also that the cars were picked up because he thought they were being used as rental cars. I have disputed all of this because it is not true. They took both cars and did not allow me to make payments on my accounts ( locked out ). One car is showing {$0.00} balanced owed repo and the other is showing {$80000.00} balanced owed repo. As you can see I only had the cars for 2 months before they aggressively took them. I do believe the individual I mention in this email is the same person that ordered my cars to be repo. The credit reporting on these 2 cars are effecting my credit in a very negative way. I bought over 10 cars from BMW over the past 5 years and never had any issues before.
I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything in the mail from them. XX/XX/XXXX XXXX XXXX XXXX, XXXX - {$230.00} XX/XX/XXXX XXXX - {$76.00}XX/XX/XXXX XXXX XXXX XXXX XXXX, WA, XXXX - {$150.00}
I am absolutely livid that PNC refused to refund my {$6000.00} that I paid to a contractor, who DID NOT COMPLETE THE WORK!! HE DID NOTHING!!! I had to pay ANOTHER contractor to do this work, and PNC is perfectly fine letting the charge stand even after I sent them text, emails and another statement where the contractor ADMITTED that he did nothing and was asking us not to sue him. I want my money refunded to me NOW!!! I will take this as high as it needs to go as this is completely insane that this has been going on for over 8 MONTHS!!
Navient cancelled my autopay for my loans because I 'm too close to paying them off. So I restarted autopay. Then they lowered the payment amount without contacting me. Then they cancelled the payments again. It took me months to figure it out and now I still have loans to pay when I should have finished months ago.
I recently discovered an account reporting on my credit report that I didn't know of for a cell phone contract in the amount of {$400.00}. No attempt was made to contact me in regards to the debt and the collection is inaccurate
To Whom It May Concern, I spoke with Capital One Auto Finance back in XXXX, XXXX trying to get assistance with my car payments as I had gotten behind on my payments due to hail damage to my home and medical issues which in turn caused me to get behind on my payments. I spoke with XXXX XXXX of Capital One Auto Finance back in XXXX, XXXX to make payment arrangements as I was not asking for a loan modification but more time to pay the arrears until I could be current on my payment. I owed 3 payments of XXXX totaling XXXX and I was inquiring if they could put the payments at the end of the loan as money is tight and I had not received the settlement for my roof. They kept insisting they would put two payments at the end of the term. Now, I had spoke with XXXX of Capital One Auto Finance to make arrangements and I was getting ready to send another payment of {$300.00} on XXXX, XXXX and was told no to worry my vehicle was safe and make the payment and call him back and they would work with me. I had planned to pay them more in XXXX, XXXX as I receive my student loan and could pay the arrears but before I could do any of this, this morning, XXXX/XXXX/XXXX they took my vehicle without warning and no letter informing me that they were going to repossess my car. All of my things are in the car and I spent the last of money until payday filling up the gas tank, only to miss work and call Capital One Auto Finance. I spoke with XXXX of Capital One Auto Finance and all he could do was put two payments on the back end but that I needed to come up with {$600.00} + storage fees to get my vehicle back. I do n't have that kind of money and I was recently in the hospital so my paycheck was shorted out due not having enough leave as this was an emergency situation. Capital One Auto Finance lied to me. I wasted my hard earned money paying for the car only for them to take it away. It 's apparent they do n't care and do n't want me as a customer. Please help if you can. Thank you. XXXX XXXX XXXX XXXX
Someone had opened an account with XXXX several years ago. I have never had an account with XXXX. I have always used XXXX or my local cable company. I had disputed this debt 2 or 3 years ago and it was removed. Now I find that it is back again. I was able to find out that this account is in a XXXX name. I do n't know who this person is and I do n't know how my information was used to obtain this account in the first place. I called XXXX XXXX myself several years ago when this first appeared on my credit report and they could find no record of me in their system. My credit score was actually starting to improve and I was in the process of buying a new home but now I 'm worried this debt will affect the outcome of me getting the home. Once again, I HAVE NEVER HAD AN ACCOUNT WITH XXXX.EVER! I want it removed and stay removed.
I have contacted this agency more than once and unfortunately they are very rude and have even hung up on me as I tried to communicate that this debt is not mine. They DID admit that my EX-spouse listed me as a " responsible party ''. She has, nor had No Right or Permission to contract any debt on my behalf. This collection, I recently learned about was part of the reason I can not purchase a home for my family.
Wells Fargo Credit Card opened in my name without my permission or knowledge, person ran up over {$50000.00} in debt before I became aware of the problem, canceled the card immediately upon knowledge. 
Wells Fargo refused any help with the matter, this was during the time period of fraud the CFPB fined Wells Fargo {>= $1,000,000} but before the problem was made public. 
I 'm looking for restitution and penalties and restoration of my financial credit reporting.
national service bureau claims we owe for damage to a vehicle during the process of towing. We did not tow the vehicle, have no record of ever towing that vehicle, working with or speaking to the owner of that vehicle, nor did we receive any damage claim at the time the tow was claimed to have been provided. Per NSB, XXXX paid the claim and found us at fault. Nothing was ever submitted to our insurance, and our agent has been harrassed and called names by NSB representatives. NSB has been informed that this not is our debt, and was requested to provide proof that we provided a tow of the vehicle in question, they have failed / refused to do so. 

Collection attempts have continued, and are becoming aggressive.
Charles Schwab will made a hard credit pull on my credit report when signing up for a new bank account. Lots of banks make soft inquiries but nowhere does it say that they will make a hard inquiry.
Attached is official court paperwork granting me Commission to Guardian filed XX/XX/18, for my mother who is now deceased ( guardianship still in effect until final paperwork is filed within 5 month period ). This guardianship pertains to deceased cardholder XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Previously, all statements and correspondence were being directed to the guardian as follows : XXXX XXXX XXXX, XXXX, NJ, XXXX. 
Subsequently, upon my mothers passing, another family member called to report the passing of XXXX XXXX and changed the address back to XXXX XXXX XXXX XXXX, XXXX, NY XXXX, this was not correct, this is the address of daughter XXXX XXXX who made a total of {$4400.00} in unauthorized charges on the card. Be advised, that the remainig balance due on the card is the responsibility of authorized user XXXX XXXX and not the estate of XXXX XXXX.
I bought a XXXX Dodge Journey from XXXX XXXX XXXX in XXXX. The dealer charged me XXXX dollars for the car with 29.95 % interest which means XXXX dollars for 72 months in terms. The monthly payment was XXXX dollars .When I found out in the market the real value of this SUV was XXXX dollars, I called them to let them know the contract was overpriced.They told me the federal regulations allowed me to bring the car back after 48 hours.After two months I could n't afford to make a payment, they took the car and sent my name to the credit agencies.Few months after they called me and made an arrangement for a settlement. The settlement was XXXX dollars to pay off. I did pay that XXXX dollars but I still have negative items on my credit report.
I am trying to do a short sale on my home in order to avoid a foreclosure, at this point I along with my realtor have done everything that Select Portfolio Servicing " SPS '' asked of us. 
We got a cash offer for XXXX. SPS 's XXXX. shows non comparable properties that are located in a different and more expensive neighborhood " my house is the second largest in my neighborhood '', which are XXXX TO XXXX above value. My realtor who has over fifteen years experience in this area sent comparable examples in the same neighborhood showing the accurate value, but these have been ignored. There is a foreclosure sale date scheduled for XXXX XXXX. I received a letter from SPS dated XXXX XXXX stating I would have an answer in fifteen business days which is today XXXX XXXX. My realtor speaking on my behalf called them today to inquire as to they 're decision, they said we would be told by the end of the month. 
When we mentioned to them that we would be contacting the CFPB they said we would have an answer by next Wednesday " XXXX XXXX ''. 
At this point I fear that SPS will turn down the short sale in retaliation to my complaint. 
Please help me to resolve this matter so that the buyer does n't walk, and I do n't have my house foreclosed. 
Thank you.
I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called XXXX XXXX many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from Capital One. I asked for who the name of the person was that they spoke to at Capital One, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between Capital One and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called XXXX XXXX and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against XXXX XXXX. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.
GM Financial is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XX/XX/XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date.

Payments dates are as follows ( see attached doc ) : XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 I spoke with representatives with GM Financial and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by GM Financial. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the Fair Credit and Reporting Act.
Dear Sir or M.me, XXXX XXXX XXXX bought my debt from XXXX XXXXXXXX   ( see attached letter ) on XX/XX/2019. Notice that it mentions XXXX XXXX XXXX XXXX to be the buyer and new owner of my debt. 

Nearly 4 months later the firm I hired settled with Resurgent Capital Services in a document that shows LNVN to be the owner of the debt. We settled and payments ar e being made on time regularly ever since. Next payment for over {$100.00} is scheduled for XX/XX/2019. 

After 3 months, on XX/XX/2019, inexplicably LVNV decides to place a negative mark on my credit report causing huge financial damages since I am in the process of refinancing and cashing out significant amount of funds. 

I have spoken and written multiple times with RESURGENT 's personnel and they had no answer for the questions that I had, which are the following : 1 ) The second page of the contact with Resurgent/LVNV/XXXX XXXX  XXXX XXXX clearly states that a negative mark will be reported only in case of non fulfillment of the agreement. Agreement was and is being fulfilled, therefore, the negative report on my credit file was and is in violation of the contract. 

2 ) The companies above mentioned have violated Federal Law FDCPA ( 15 U.S.C. 1692 to 1692p ) which states : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Unfair Practices A collection agency can't engage in any unfair or outrageous method to collect a debt. For example, it cant : add interest, fees, or charges not authorized in the original agreement or by state law -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The above mentioned companies are indirectly causing a significant addition of charges to my personal and to my financial life. 
My current loss of funds it is caused by a measure that violates the contract stipulated between the parties. 

3 ) I was told by Resurgent representative that there was a six months time period since a debt is bought for the company to start reporting to the credit bureau.

The statement was denied later by a manager. 

4 ) I never received any communication from XXXX XXXX XXXX XXXX that LNVN was the owner of my debt or what type of roles they have with my debt. According to the letter XXXX XXXX  sent me the owner was XXXX XXXX XXXX XXXX. 

I am suggesting all the above mentioned companies to change their policies in regards to credit reporting and never penalize a party when payments are being made by negative marks in the credit file. 
I am asking the above mentioned companies to immediately remove the negative marks in my credit file for XXXX and XXXX and cease this unfair practices.
My ex wife was awarded the property in our divorce in XXXX. She refused to pay the mortgage from the very first month, and on XXXX separate occasions I caught the payments up and took her to court to get her out and stop damaging my credit. Dealt with a different judge each time. The XXXX told her to keep them current, with no judgement on her part, even though it was ruining my good credit. At the lowest point, my XXXX score was at XXXX, based on her actions, not mine. The third time, I was awarded the property in XX/XX/XXXX. XXXX XXXX XXXX said I had to live there in order for them to work with me. For the next year in " modification '' of the loan they would not accept payments or send me a bill. Four times they " lost '' the paperwork and made me refile. Then they said they could n't work with me because the house had been in arrears for too long. Told me to vacate, which I did, in XXXX XX/XX/XXXX. XXXX sold to another servicer, XXXX XXXX XXXX, and they added ridiculous fees to the original amount, making the amount due well over the amount of the {$140000.00} original loan. They agreed to a short sale, and our realtor worked on it for a year. They denied XXXX cash offers, XXXX that was at full value. In frustration, she gave up, and we could n't blame her. They sold a year later to Nationstar, who added their own outrageous fees. Our lawyer got involved, as Nationstar has included my current wife " XXXX XXXX XXXX '' and it has greatly impacted her very good credit. Nationstar sent legal documents offering us a " in lieu of deed '' offer which would take it out of our name, which is what we wanted. Our lawyer responded to Nationstar and asked them to proceed. No response from them. He then sent them an Order to Appear to get the ball rolling, and they responded by changing legal counsel. We got frustrated and gave up. That was XX/XX/XXXX. Our hands have been tied for obtaining a home loan for 10 years now. We were just denied a loan today because of this. Our loan would have been approved without this very large blemish on our credit report. We want our names removed from the title of the property that no one has actually foreclosed on in TEN years! It remains in my name. We want this removed from our credit files from all three reporting agencies for both my wife and myself. Any help or direction you can give us would be greatly appreciated. Thank you.