WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I am writing in regard to an account for which I am being collected from GM Financial. When I was married, my ex-husband and I purchased the vehicle for his use and upon our divorce, he was court ordered to assume the responsibility for the vehicle. He subsequently had the vehicle repossessed and as he is " uncollectable '' ( on and off the grid, infrequent employment and unable to locate ) - they continue to come after me. 

I've been divorced for 6 years now and have worked over these past years to get my credit back. I am now finally in a position to purchase a home for me and my daughter and the GM Financial debt is an obstacle. 

I have been in regular contact with GM Financial for 6 years and am attaching a letter I wrote to them in XX/XX/XXXX which will provide background and also attached my Judgment of Divorce. 

Please help us. My daughter has minimal contact with my ex-husband and I am the one providing her a safe home and foundation. I have cried, begged and pleaded with GM Financial to abide by the Courts order and ensure the liability lies where it belongs, with my ex-husband. 

Thank you in advance for your help. 

XXXX XXXX XXXX
In XX/XX/XXXX, I contacted a reality company about doing a short sale on our property. We signed with them to do the short sale process and submittal of all of the paperwork. The reality company said to not make any improvements or any future payments because we were trying to do a short sale. The bank took until XXXX to respond to our short sale offer of XXXX which is the appraised value of the house. We were offered a loan modification but opted out because we did not want to keep the house due to being 48 % upside down, low income housing filled the empty lots in our neighborhood, and we had a home invasion in XX/XX/XXXX and theft the day we moved out. Plus financially we could not afford to keep the house which is the hardship we claimed on the shot sale. We vacated the house in XX/XX/XXXX to aid in the house being shown and move in ready. The reason for the denial was my credit score was above XXXX and that is the only reason given. We listed the house immediately in XX/XX/XXXX We had XXXX showings, but no offers. Our realtor decided to try again for a short sale since all of the non payments on the house have reduced my credit score below the XXXX and my Wife lost her job on XX/XX/XXXX so that added to the hardship. We started the process on XX/XX/XXXX and we received a certified letter on XX/XX/XXXX from XXXX XXXX XXXX, XXXX for the acceleration of maturity and stating that the house will be auctioned off on XX/XX/XXXX for XXXX. According to the paperwork, the house went into foreclosure status on XX/XX/XXXX. This is the only notice that we received about the foreclosure status and the process even starting. All of the new financial information and a new short sale offer of XXXX was submitted on XX/XX/XXXX. On XX/XX/XXXX I was informed by my realtor that Carrington Mortgage informed her that nothing would stop the auction from taking place on XX/XX/XXXX except for catching up the payments. I believe that since I still have PMI, auctioning the house and claiming on the PMI is the only way for the bank to get all of their money and that is the reason for not accepting 2 fair short sale offers and accelerating the maturity of the loan.
I have attempted several times to have my forbearance added back into my account as I was a student at XXXX XXXX college as well as XXXX University and therefore eligible for inschool deferment although I have sent documents to verify that I was a student Navient has not responded nor have they added back 18 months worth of in schools deferment
ACH transactions from an account at XXXX XXXX ( {$900.00} on XXXX XXXX 2017,  {$1500.00} on XXXX XXXX 2017, and {$900.00} on XXXX XXXX 2017, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. 

XXXX 's records do not indicate that I have ever had a relationship with XXXX per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017 by Early Warning summary disclosure. As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the XXXX Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, XXXX. XXXX XXXX of XXXX of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, XXXX. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
for over 3 years I having been trying to have erroneous information expunged from my report through government channels. My previous complaint ( XXXX ) has had no response in over 2 years! On a recent credit check I realized it has still not been removed. Barclay has failed to legally respond and address this issue. Should I pursue a legal remedy?
I applied on-line and received an AMEX card that was advertising zero interest for 15-months on a credit card. I was granted the line of credit on XX/XX/XXXX and then immediately submitted a credit card balance transfer to pay a loan off. On XX/XX/XXXX, I clearly was advised by telephone that it was against AMEX 's policy to transfer a credit card balance to a loan. waited a week, and chatted on line about the submitted transfer, as I had a promotional expiring on the loan on XX/XX/XXXX. I was informed to contact AMEX Balance Transfer team, which I did the following day. I was advised after getting the card that my balance transfer would be declined, as I could only be approved for a credit card balance transfer, and AMEX 's policy was that you could not transfer a balance from a loan to an AMEX card. I advised the customer service agent on the phone to refer to card terms that noted that loans were not part of the transfer balance promotion. I was advised to check my terms, which I did not receive the terms until I received the card. At that point, I asked for my card to be cancelled on XX/XX/XXXX. I received a letter in the mail after several conversations with other customer service representative, and never having the opportunity to speak to a manager, that the balance transfer had occurred and an electronic transfer was sent to the loan that I had already paid off via a loan that did have interest that I originally sought out after AMEX advised me over and over that the balance transfer would not occur. The letter was dated on XX/XX/XXXX and signed by a XXXX XXXX, VP Global New Accounts. Immediately upon receipt of the letter, I called customer service, and asked how a transfer balance could occur on a cancelled card. I was advised that the credit card balance transfer was separate from the loan transaction. I had a hour discussion with a alleged supervisor at AMEX, who continued to tell me I needed to read the agreement, and that they could not stop or revoke the electronic balance transfer to pay the loan. The balance transfer was received by the loan company on XX/XX/XXXX. As a result, I was forced into paying interest on a loan, and the loan was paid-off by both the loan and AMEX entity. I believe that this needs to be investigated, due to the fact that the credit card was cancelled out and somehow the balance transfer still occurred while the card was cancelled and against the alleged violation of AMEX 's on card transfer terms ( no card transfers apply to closed out cards ). I am also, asking for the amount of interest I will be paying for the loan, due to AMEX noting numerous times the transaction would not occur. I am also requesting that the dates of cancellation and the date of the balance transfer be investigated, as I am under the impression that AMEX fraudulently applied charges on a cancelled card and without my permission against their own terms.
i applied a chase saphirre preferred card on XX/XX/XXXX, and according to the application as well as the offer on chase website ; the card carries no annual fees on the first year and {$95.00} thereafter. However on XX/XX/XXXX ; I was assessed a {$95.00} annual fees. I called Chase credit card and they are saying I was not eligible for the first year free annual free. I am confused why the web site and the offer as well as the branch saying it's free of annual fee and the credit card dept saying it's not free on the first year. I think they are engaged in deceptive practice.
XX/XX/XXXX requested a copy of the escrow refund check cashed on our Chase Mortgage which closed XX/XX/XXXX. Received the check around XXXX/XXXX/XXXX and it is shown that my ex-husband did a deposit via phone with only his signature when the check was drafted to him AND myself. Bank of America-his bank should have rejected the check by law as well Chase should have drafted funds back to XXXX and re issued XXXX checks for payee not as endorsed. I went to the XXXX branch in XXXX, filed their paperwork for Fraud and have been advised that the issue is with Chase. Working for a bank myself, I know that they are not following protocol. 

Chase is not following up after multiple requests and letter sent to them XX/XX/XXXX. Chase, the issuing bank, should have rejected the check for payee not as endorsed and has not resolved. 

I need assistance to get these banks to rectify their error and fraud on my ex-husband 's side in cashing a check without my signature for payee not as endorsed. 

XX/XX/XXXX XXXX with XXXX called and advised that Chase needs to resolve the issue. No area to amend original complaint, submitting updated complaint for Chase Bank.
I had an account with XXXX # XXXX that is listed on Experian and XXXX as a charge off account even though it has been paid. This account was paid 8-9 years ago and should not be on my report any more. I have disputed it several times to no avail. They have come back and stated that this account was verified but when i ask either the creditor or the credit bureaus for proof of the last date of activity i never get it. 

i 'm hoping you can help me resolve this as this is hurting my ability to obtain employment
Hi, I got letter from Chase on XX/XX/XXXX that they decided to end their relationship with me and they are shutting down my account on XX/XX/XXXX. I tried calling them and they don't want to do anything about it. I opened this account for my sons XXXX XXXX money and we had it since then. My son is now XXXX years old and I don't understand why Chase would shut down this savings account and why they refuse to talk to me about it to get it re-opened.
I received my Seterus monthly mortgage statement dated XX/XX/2016 for my upcoming payment due on XX/XX/XXXX. My XX/XX/XXXX payment reached Seterus on XX/XX/XXXX, well within the 15 day grace period. My account statement reads that I have a past due amount of {$1500.00} which is inaccurate. When I called and spoke with a Seterus representative I was told that my XX/XX/XXXX payment was received on XX/XX/XXXX and my next payment is not due until XX/XX/XXXX. Having a " Past Due Payment '' appearing on my account statement when it is inaccurate reporting could potentially damage my credit standing with another lender if I am asked to present a copy of my mortgage statement as proof for other borrowing. If Seterus wishes to consolidate their monthly mailings into one then their statements must be accurate. Creating the statement on the XXXX of the month, the day after the grace period ends would be somewhat better than writing " Past Due Payment '' when it is not. To do otherwise is misleading and it feels like extortion. In XX/XX/XXXX I received a phone call from Seterus concerning payment and the representative said it was routine to call borrowers who are late making their payments. According to the contract my payments are not late if they are received on or before the XXXX of the month. If Seterus is attempting to circumvent the 15 day grace period on my mortgage or any mortgage this type of strong arm scare tactics of tarnishing one 's credit needs to stop.
On numerous occasions I have called to fix my Key Bank online banking because they locked it out when they merged with First Niagara. I provided my full social so they could pull up my account. Apparently that 's not enough to verify my identity. I proceeded to provide my address on file, as well as my date of birth .... I was told that still was n't enough. They proceeded to ask me more " Public Record '' questions, which most of these questions did n't even apply to my life. After answering them I was told they still could n't verify who I was and could go no further in this call. I asked for a supervisor and at first was denied this. After asking 3 more times she placed me on hold. I held for over 20 minutes and finally had to hang up because no one came back. They are now charging me late fees and more interest because I can not pay my bill and they wo n't allow me to access my account.
I recently rec 'd a letter from Wells Fargo telling me I 'm in arrears in taxes, utilities, etc. This is clearly impossible as I have the canceled check for the utilities and a receipt for property taxes. With all the fraud going on by them, and the implied threat in the letter, I can just imagine that 'll try and call the loan in and I 'll be fighting them in court. They are immensely corrupt and arrogant as I 've had to deal with them in the past. My loan has always been paid on time with extra thrown in. When I wanted them to rewrite the loan when the rates went down, they refused. When I said I could go somewhere else they told me go ahead, we do n't care! Their corporate attitude is abysmal! The also told me XXXX had to make the change as they just service it. XXXX says that 's not true and that it 's up to Wells Fargo to make any changes. The whole banking industry needs to be revamped!!
XX/XX/XXXX I requested a copy of my contract to calculate changes in the contract per my request. I requested Conns ' to remove all warranties from each product, credit life insurance, and property insurance. I provided them declaration page of renter insurance to remove credit life insurance and property insurance. They informed me it would take 21-30 days to update. I then receive email confirmation it was removed. I notice they indeed it was removed all the insurance and warranties for each product. However, the sale tax for the original amount paid was still the same. The amount of finance was still the same. I email them to ask when will they adjust my account, their response is they never dealt with a situation like this before. that was almost 90 days ago we are in the whole new year XXXX.
We received several phone calls from different 1-800 numbers saying that we need to call to XXXX to schedule an appointment for them to send the plaintiff with the court papers, in other words, to serve my mother. 
When I called the phone number a gentleman answers and, without saying the name of the company or what is regarding to, he asked for the " case '' number. After a bit of back and forth he said that they purchased a loan from XXXX XXXX and now they are collecting, the debt is for {$1600.00} but we can settle the debt for 50 % over the phone, otherwise they 'll send the papers and she 'll be sued. When I explained the serving procedures to him and that they way he was conducting the call was n't professional nor accurate, he got upset, started to threat saying " you better pay up buddy or she 'll be sued '' and " Let me put it this way bro, if you 're gon na ask for money, you better be ready to pay up '' then he followed to hang the phone. That was the XXXX time that I spoke with him, the XXXX XXXX was a very rude conversation about the same deal.
I took a small XXXX loan out for my son in XXXX. The original loan from XXXX XXXX XXXX XXXX XXXX was sold to another company, XXXX in XX/XX/XXXX and came due in XX/XX/XXXX. 

I never received notification of the changes that a new lender was handling the loan or that the loan was due because the contact information of the new lender was screened out of my e-mail- The new XXXX being XXXX not XXXX XXXX. 

I have followed my credit rating score for 10 years on a monthly basis. I have had very good to excellent credit during this time frame. 

In XX/XX/XXXX there was a sudden HUGE drop on my credit score. I immediately pulled a full credit report and saw that XXXX had posted 90 days of delinquencies on my credit report. I immediately called them and explained that I had never received notification that the original loan had changed companies so was completely unaware the loan was due. My husband and I were following the original student loan summary from XXXX College 's financial aid office. 

In addition to this my son was in the process of joining XXXX, and seeking loan deferments from his student loans which we had received current contact information about. 

I explained the situation to XXXX, immediately paid the balance due and set up auto pay on-line. When I asked them to please recind the delinquencies, or forgive them given the circumstances they were completely unwilling to work with me. 

My credit is ESSENTIAL to my family and me because my husband recently became permanently XXXX due to an XXXX XXXX. I will provide any documentation needed. I work for a XXXX XXXX XXXX XXXX and a XXXX XXXX as a XXXX. 

I am requesting your help for recinding the delinquencies on my credit report. 
Any help you can give would be greatly appreciated.
Nelnet approved my deferment request, and back dated it to XXXX XXXX of 2015. There are derogatory late payment remarks that remain on my credit, even though the deferment approval covers this time period. I need them to remove the negative payment history for the deferment.
MORTGAGE SERVICING PROBLEM : My extra principal payments were applied incorrectly toward future monthly payments resulting to more interest earned by the Wells Fargo Home Mortgage. This issue started in XX/XX/XXXX of which I already contacted the servicer XX/XX/XXXX and some corrections were made. However, in XX/XX/XXXX - I noticed that the issue reappear and I again contacted them and they did reversal of misposted principal payments resulting to about XXXX reduction of principal balance. A XXXX was sent to me for XX/XX/XXXX tax filing. However, the account activity was not received until XX/XX/XXXX and upon review of the XXXX pages mainframe screens, there were still few transactions in error. On XX/XX/XXXX I contacted them again and they open a new case for the same unresolved postings. After further review, they corrected the payments again which resulted in a new XXXX. The amount of the interest received in the new XXXX dated XX/XX/XXXX is different from the XXXX issued prior on XX/XX/XXXX that was filed already with tax return. Hence, I am obliged to amend my tax and will be charged by my accountant. The servicer is refusing the assume the fee of my accountant. I feel that due to their errors, they should be responsible for reimbursing accountant fees. Not to mention the many hours I spent auditing the payments - reviewing my payments, statements and all the reversals/posting of transactions. To date there were the previous requests of misposting date of payment XX/XX/XXXX and XXXX/XXXX/XXXX @ {$310.00} and XX/XX/XXXX - {$320.00}. There is also a principal payment on XX/XX/XXXX for $ XXXX and XXXX and XX/XX/XXXX for XXXX that were reversed but appears to have only been applied as {$11000.00}. On XX/XX/XXXX the Principal unpaid balance was XXXX ; on XX/XX/XXXX - it was XXXX. After one more extra principal of {$500.00} and interest payment - the balance in XX/XX/XXXX is {$28000.00} amounting to only {$280.00} being applied. The website customer service application is not able to provide how my money is posted online in amortization table. NOTE : Their system was posting payments correctly prior to XX/XX/XXXX. Anyone who are making extra principal payments to this servicer should review their account activity.
I have tried calling XXXX XXXX XXXX Card customer service multiple times to tell them I have not received a statement this month and to ask about other issues. No one answers the phone, the automated system goes nowhere. I am on hold for hours after which it hangs up on me. I have called at different times of day and night, same issue, on hold. No one answers. I expect to be able to talk to a human when I have issues about my card.This is not right. Customer service is non existent. 
I called the customer service number and the technical assistance number, same result, on hold, no answer from a human. 
Also, last month when I made a payment the agent wrote the wrong account number on my payment and they classified my account as past due but did not notify me for almost a month, when I got a call from collections dept. about " past due '' payment. I ALWAYS pay on time, have not been late in 26 years.I asked for a letter saying it was not my fault and only got a form letter which stated payment amounts.
FINALLY GOT THEM TO AGREE TO CHANGING FROM AND INTEREST ONLY FOR 10 YEARS NOTE TO A CONVENTIONAL LOAN. INITIALLY THEY AGREED TO INCLUDE ALL ACCOUNTS INTO THE LOAN, THEY THEN LEFT ONE OUT AND WITH OUT MU KNOWLEDGE THEY HAD ME SIGN PAPERS AND COMMITTING THAT IT WAS STILL IN THE NEW LOAN. THE THE ONE THEY LEFT OUT THE ERRONEOUSLY DEDUCTED IT FROM MY ACCOUNT WITHOUT MY KNOWLEDGE, CAUSING AN OVER DRAFT AT THE END OF THE MONTH. MANAGER LAUGHED IT OFF SAYING WAS ONLY A YEAR LEFT ON LOAN ANYWAY! THEN THEY ASSIGNED IT TO XXXX XXXX, THEN THEY NOTIFIED ME. CALLED XXXX XXXX, THEY HAD LITTLE KNOWLEDGE OF THE ACCOUNT. XXXX XXXX ASSIGNED IT TO A MORTGAGE SERVICE COMPANY, CALLED THEM AND THEY IDENTIFIED THEM SELF AS A MORTGAGE COLLECTION AGENCY. IN THE BEGINNING I HAD THE BANK SET UP THE ACCOUNT AS AN AUTOMATIC ELECTRONIC DEDUCTION TO BE TAKEN OUT ON THE FIRST WHEN I GOT MY VA XXXX CHECK ELECTRONICALLY DEPOSITED! THIS A XXXX XXXX XXXX ' ON THE PART OF THE BANK AND XXXX XXXX!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX XXXX BANK : IBERIA BANK XXXX, LA. XXXX