WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested to be on the DO NOT CALL LIST including all forms of contact with my auto finance company ( MIKE CARLSON MOTOR COMPANY ) as of XXXX 2016. I keep getting multiple collection calls and emails, I talked to the reps and a supervisor about the issue but nothing has changed. I had to change my phone number last weekd due to all the calls. I am seeking to file a lawsuit against MCMC for violations of the FDCPA laws.
XXXX XXXX,2017. {$2800.00} i call to resolve the issue I told them it will be the first of the month but they keep calling and harassing me
There is a Medical Collections on my credit report from Capio Partners that is not mine. It may be for someone with a similar name. I disputed this debt several times with collection agency/credit bureau and its still on my XXXX credit report.
on XXXX XXXX, 2016 i went to chrysller XXXX XXXX on XXXX XXXX in XXXX to look at XXXX spoke with XXXX we looked a cars he said i can get you in this car i said not this car said lets see if you can get approved he had me sigh paperwork i came back and said your approved i said not for that car he said yes i said thats not what you told me i walked away wentt outside he allong with the finance manager followed me outside said you have to take the car its in your name and the insurance is on it you have to take it i said no he said by law you have to take it i dont have any financial information on the car they didnt give me a copy of anything i signed i was told i shoulld have gotten a copy of truth and leading i got nothing but your loan has been submitted i told them i need to speak with a manager that had me talk with XXXX who told me too bad you brought a car i said i dont want it he said i willl have it towed to your house walked out asked for a manager XXXX said he was the manager of the whole place walk AWAY FROM HIM CALLED XXXX ON MY CELL PHONE MY SALES GUY XXXX ANSwered and i heard XXXX in the back ground say i dont want to talk to her i hung up spoke with someone name XXXX who told me i should talk with XXXX i told him i allready did he said he cant help me he say he shold have been able to help me because thats who i need to talk with. i have contacted chysler capital because they are on my credit repore and XXXX chysler said you sign you have a car i said if you have the loan i want to cancel she said cant help you the lady at XXXX said the loan should have been cancelled and they want no for three weeks if they approved the loan. i was bullied and tricked into signing this paper work i need help what can i do i have no paperwork from the dealer or anything the car was left at the dealership
Bank of America has close my account that I had open since XX/XX/XXXX saying thatMy report from XXXX reads as such : XXXX Il XXXX XXXX XX/XX/XXXX $ -no amount showing or what your report states Transacting or attempting to transact, with a check in a fraudulent Manner, including but not limited to the passing or depositing of Forged, altered, closed account, stolen, counterfeit check, or Non-negotiable item ; the kiting of checks, drawing against insufficient Or uncollected funds, empty envelope ATM deposits, or keying errors.
I contacted the CFPB about this debt before in case XXXX. The hospital is part of XXXX XXXX XXXX XXXX. The service date is shown on a bill but the bill shows a very different amount. I was able to speak XXXX XXXX XXXX billing office about the bill they sent me and they said that the amount they were showing as outstanding was different and they would investigate and send me a revised bill. That phone conversation happened on XXXX17. I am unsure how I can be working with the provider on something that has been sent to collections. I feel that some sort of clarification is needed. The charge may also be the result of identiy theft but I need to have a conversation with someone to figure that out. 
The people at Overton will just repeat the amount they think I owe and that is not helpful
They are calling me saying I owe a debt and they are Chase Receivables and their web site is called chaserecievables.com. I have never had a account with Chase Bank. I have call Chase bank and they do n't know the phone number they have left for me to call. Chase bank has told me not to share any info with them. When I did call, because they call everyday, they wanted me to verify the address by giving where I lived. I ask them to give me the address the have and they would not do that saying it is illegal. I ask why they have not mail any info to me. they say they have. The biggest problem I have with this is the are calling my home phone. I never use this number for anything. Do n't even know it without having to look it up. I only use my cell phone and they have never call me on my cell phone. I feel this is a scam and want the phone call to stop.
Debt placed for collection on  XXXX / XXXX /  XXXX  . After multiple attempts to verify debt, nothing was ever sent or reported to me. I have also discovered this company is NOT licensed to collect debts in the state of North Carolina as required.
I have not taken out a loan from XXXX and I have a confirmation from XXXX XXXX, XXXX the owner of XXXX that I never took out a payday loan from XXXX. They called and threatened criminal charges today if I didnt set up a payment arrangement. I know these guys are fraudulent but the only way I could get them to show me who they are is to make a small payment. They are Global Asset Agency registered in Wyoming.
on or about XX/XX/2018 we received a phone call from Freedom Mortgage offering us a modification for our present home loan. Due to the Storm activity in this area of Florida, Freedom solicited us for our acceptance of their modification product. We discussed their offer and agreed to accept only if they assured us that there would be no penalty imposed upon us such as increasing our present Interest Rate which is 3.5 percent. It was clearly discussed and agreed that there would be no penalty imposed upon us. After the modification period had ended and terms of accepting the modification were satisfied, to our Shock ... Freedom Mortgage informed us that we must now have an increase of a 4.875 Interest Rate imposed on our loan. This is not fair, not what was agreed to, unjustified and without integrity.
I was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX, XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected
Called my relatives on XX/XX/XXXX and gave out birthday and SSN over the phone to them. Spoke abusively to my wife when tried to call back about it.
Last year ( 2017 ) in XX/XX/XXXX I contacted Coinbase to regain access to my account, I emailed them and they told me steps to recover the account. Their website wasn't working correctly and I wasn't able to gain access. I emailed them back and forth 12 times in a long email chain where they said I would need to create a new account and that they would transfer my funds to that new account ( which is utterly outrageous and amateurish ). I created a new account just like they asked and emailed them the information and got NOTHING back. They haven't even acknowledged my existence since XX/XX/XXXX. It's disgraceful.
I would like to dispute the response submitted on Consumer Financial Protection Bureau case number XXXX. I am attaching additional correspondence and would like case to be reopened for further investigation.
I had 1 late payment with XXXX XXXX Bank XXXX years ago. My credit score is now a XXXX+. I have not had a late payment since with any institution and my credit score has done nothing but go up since this incident. They WILL NOT remove this derogatory mark on my credit score. This is the only thing holding me back from having perfect credit! I haven done nothing but prove to them that I have been in good credit standing with all institutions, yet they REFUSE to make a change on this. 

I worked with a company ( XXXX XXXX ) and paid them thousands of dollars to have this removed. Yet the company did a lot of good work for me, they were unsuccessful at accomplishing this.
Ocwe increased my payment by XXXX starting XXXX/XXXX/XX/XX/2015 I asked them to justify the increase. They claimed it was for an escrow shortage. They showed a negative XXXX for last year 's escrow. I sent my payment and sent XXXX towards my escrow until they responded. Ocwen asked for XXXX and some change. Meanwhile I already sent another XXXX towards the escrow shortage. By another letter they asked for XXXX. I sent the balance of XXXX. I received a call on XXXX/XXXX/XX/XX/2015 and Ocwen said my adjusted payment was not my former payment of XXXX as discussed when I XXXX inquired but the payment is now XXXX a month reflecting a larger escrow amount and asked when I would be sending it even though my account is current. My payment they said would not go down. I lost my patience asked them to check their math and hung up. I sent XXXX for XXXX XXXX XX/XX/XXXX payment. I need assistance sorting out the inconsistencies. Thank you
I made a payment with Mr. Cooper regarding my mortgage with a money order the payment is not showing. I would like them to research the payment and remove the late payment from my credit report.
Four and a half years ago, I attempted to short sale my property and vacated the residence. I let the bank know that I was unable to maintain the mortgage for the property as well. At some point the property was secured. XX/XX/2015 I was informed that Caliber Home Loans had taken over the home. I reached out to them to find out how to get the home out of my name and to find out if they would be foreclosing on the property. They could provide no timeline as to when things would progress, when they would attempt to resell the property or if they would foreclose. At this time I still have no information and am burdened with additional financial hardship because the home continued and still continues to accrue Condo Association fees since the time that I vacated. I have not received any documentation that it was still accumulating and thought that since the bank had taken possession and changed the locks that they would now be responsible. It was not until I found out a judgement was granted against me for over XXXX dollars and a they started taking XXXX % of my check each pay to pay the judgment amount that this was not the case. In the mean time the Condo fees continue to accrue. I do not know what period the XXXX even covered so I may be subject to more past due balances that I do not have the funds to pay. I spoke with a realtor to possibly relist the property as a short sale because I owe almost 3xs as much as the current market value and because of the lien/judgment she stated that this may not be the route I wanted to take due to the amount of time it could take to even get an offer which would then have to be accepted at a time when the market is low in the neighborhood in which this home is.. I am pleading to get the process moving forward to get this home foreclosed on or what ever the appropriate measure may be to get it out of my name and stop the bleeding with regards to the condo fees. I can not move forward with my life and start over until the bank does what they need to do with regards to home.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX
In 2009 I got married and changed my last name from XXXX to XXXX. I faced over my new license and marriage certificate over with my new last name, XXXX. When I began receiving statements my name was listed as XXXX, I have never been a XXXX. I called and spoke several times about my name being incorrect and nobody could figure out how my last name was changed. I was repeatedly told to fax over my information, which they should have had on file since I already faxed it over. They said the fax never came through ( each time I called I was told this ). I do n't understand how they were able to change my last name to something it never was. 7 years later it finally got changed. I also called to explore my options when I stopped working full time and had XXXX kids to care for, I was told I could put my loan in forbearance but was not given other options available.
I became XXXX XXXX and make less than XXXX % of the federal poverty level. I contacted Capital One regarding my credit card ending in XXXX and made hardship arrangements where they would stop charging me interest and fees as long as I made {$110.00} a month payments. 

They reneged on this agreement and have been charging me over {$75.00} a month since I began hardship repayment. Because of this, the balance is not getting any lower. I feel I have no choice now but to let the account be written off and pay a reduced amount to the third party collector who purchases the account in the future. I contacted Capital One and they raised the minimum monthly payment and also said they would not stop charging interest. 

Capital One should be reprimanded for unethical collection and repayment schemes.
I have reached out several times by mail and by internet. THESE ACCOUNTS ARE REPORTING INCORRECTLY. I have never missed a payment and i have never been late on any payments. 
I would like to see how the CRA investigated this dispute. I would also like the name and the phone number of the person they spoke to. I would also like to see a print out of the late payment history from the bank they did the investigation with. I DO NOT WANT TO SEE COMPUTER GENERATED PRINTOUTS FROM XXXX, I want to see the actual paperwork they received from the bank itself. 

All of these accounts are closed in good standing -- -- If the late payments are not corrected please remove the closed accounts. 
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Began in XX/XX/XXXX when the company just stopped the auto debits but I never got notification of why or what was happening. I investigated by calling them when I got a notice that said the payment would be close to {$900.00}. I've called them, sent proof of income, filled out IBRP forms, filled out ISRP forms, every time they deny them. But when called in XX/XX/XXXX. and spoke to a representative on a recorded line, he advised that all I needed to do was sign my ISRP form and since they already had the correct supporting income information, they would adjust my payment to what I had requested, 4 % of my gross for a {$390.00} a month payment.
APPLIED FOR CREDIT CARD FROM HUNTINGTON BANK, RECEIVED LETTER DATED  XXXX    XXXX ,2017  THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING (  XXXX ,  XXXX  ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... ..  XXXX   XXXX  HAVE LIVED IN  XXXX   XXXX   XXXX   XXXX   XXXX  FOR  14  YRS. BEFORE THAT @  XXXX   XXXX   XXXX   XXXX . ALSO IN  XXXX  FOR  29  YRS.
My interest I pay fluctuates each month and typically goes up instead of down. My loans were consolidated years ago on a fixed interest rate. I feel like I am being ripped off by my student loan company AES. I don't think that it has just started. I believe they have been ripping me off for years so that my loans never get paid off. Please help me. See last three month data for examples. 

Loans Purchased by AES on XX/XX/XXXX Payment Date - XX/XX/XXXX Payment : {$310.00} Bal : {$26000.00} Total Principal Paid : {$100.00} Total Interest Paid {$210.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$38.00} Interest Paid : {$79.00} Subsid Consol Loan Principal Paid : {$64.00} Interest Paid {$130.00} Payment Date - XX/XX/XXXX Payment : {$320.00} Bal : {$26000.00} Total Principal Paid : {$180.00} Total Interest Paid {$140.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$67.00} Interest Paid : {$53.00} Subsid Consol Loan Principal Paid : {$110.00} Interest Paid : {$89.00} Payment - XX/XX/XXXX Payment : {$320.00} Balance : {$26000.00} Total Principal Paid : {$190.00} Total Interest Paid {$120.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$73.00} Interest Paid : {$48.00} Subsid Consol Loan Principal Paid : {$120.00} Interest Paid : {$80.00}
We have a subprime loan ( First 10 yr Interest only ARM, then 20yr Principal, Interest, Escrow & ARM ) with American Servicing Company aka ASC, a subsidiary of Wells Fargo. It was originated with XXXX and sold to ASC in XXXX. We are seeking assistance to get ASC Well Fargo to agree to accept the release of the second lien holder letter with XXXX XXXX XXXX under the HAFA Short Sale agreement. We also would like Wells Fargo ASC and XXXX XXXX XXXX to provide a closing extension to end of XX/XX/XXXX with current buyer based on current short sale approvals. 

XXXX has agreed with my husband and I to a workout agreement as stated in the letter but has stated that they ca n't waive the deficiency. Wells Fargo is stating according to HAFA that the second lien holder which is XXXX XXXX XXXX has to waive deficiency also and state it in the letter. This has caused a delay in closing and possible restart of short sale process. Now because of the verbiage not to waive deficiency in letter with XXXX XXXX XXXX, we are being forced to file with Wells Fargo ( ASC ) as a traditional short sale, lose our home affordable consumer rights and relocation assistance. I spoke with a counselor from HAFA who indicated that the first lien holder which in this case is Wells Fargo ASC is required to waive deficiency because they filed the paperwork with HAFA. The counselor indicated that subordinate lien holders were n't necessarily required to waive deficiency, it was optional. 

We are underwater in our home value and behind our mortgage payments with Wells Fargo ASC since XX/XX/XXXX. I 've been under tremendous stress in dealing with Wells Fargo ASC. And all the back and forth between both lenders. I have small children and I 'm a XXXX patient with XXXX when under stressful situations like this. Recently we became caregivers for my mother who just had XXXX. 

We 've been in our home for 10 years and was denied by Wells Fargo ASC loan modification to put the first mortgage into a low fix rate. We did n't qualify for a HAMP because a private equity investor backs our mortgage through Wells Fargo ASC. During the loan modification as with the short sale process, I fell extreme duress because ASC home preservation department padded my file requesting incessant information regarding detail copies of our trust and life estate, having us to sign official forms stating that we live in the home, our mailing address is a postal box, constantly questioning my husband 's income and potential earnings and having us sign off. We ca n't afford to pay the balloon mortgage payments that increased our payments to {$2200.00} with ARM ( {$2400.00} because of ARM in XX/XX/XXXX ). We would like some relief.
Back in XXXX XXXX we applied for a refinance of our existing mortgage an interest rate of 4.73 %. The loan officer told us that we could get a lower rate if we refinance with my husband only on the mortgage since he had a higher credit score.The rate would be 3.50 %. We agreed. An appraisal was done on our home shortly after. It came in at {$220000.00} over the amount owed on our mortgage. At that point, the bank had all of our information and requested documents. They then requested a copy of my husband 's license. At that point everything slowed down. Three weeks after the appraisal was completed, the bank informed us that we needed to install a handrail going down to the basement before we could move further on our closing. We complied. Granted, the bank did not have a problem with not having hand rails when we purchased this home in XXXX and even threw in a credit line, which we did not need to close our loan at the time. They quickly took our {$120000.00} down payment. This is the same bank our current mortgage is with! A week later the bank again requested that we put handrails on the other side of the stairs. They were not clear about this. I had previously requested a copy of the appraisal. We called them and were told one would be sent to us immediately. We installed the second railing and had to have the inspector come out for the second time to reinspect. We again made a second request for a copy of the appraisal and were told that the appraisal is sent our right before closing. We had to request an extension on our rate lock because we were not going to close in time. The rate of 3.50 % was extended to XXXX XXXX, XXXX. The bank is now requesting a statement regarding my XXXX. They want to know If I can withdraw money and what the taxes and penalties are. Why? What business is it of theirs. I am told it is a bank procedure. I complied with their request. We were also told on Friday, XXXX XXXX, that the closing cost would be about {$8000.00} because they are not able to transfer my escrow account to the new mortgage. This right before closing. We were also told that we had to show where our money for closing is coming from. This is ridiculous. Both our checking account and savings is with this bank. We were planning to close on the XXXX of XXXX, but underwriters have to look at the XXXX withdrawal terms before and give their approval. Now we have to pay our existing mortgage again at the current interest rate of 6.25 %. It gets paid directly from our account tomorrow, the XXXX, ironically. 
We feel the bank has been dragging their feet on our loan application and most of all we feel we are being discriminated against. 
We are requesting your help in resolving this matter, We will not give in to their unfair practices.
The company threatening me with foreclosure may not be the holder of my note and I am unsure who is my servicer.
XXXX XXXX XXXX XXXX XXXX XXXX transferred my debt to a collection agency called TRANSWORLD SYSTEMS INC . I never received a letter or phone call from TSI until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] in XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the TSI office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.
On XX/XX/XXXX, I leased a vehicle through Mercedes-Benz Financial Services, and was sold a XX/XX/XXXX warranty with 'XXXX XXXX XXXX XXXX '. The payments for that warranty is made directly to Mercedes-Benz ( as part of my least payment ). 
The terms of the Warranty provides, in relevant parts, that XXXX " will pay the COSTS to repair or replace ... the tires ... due to ROAD HAZARD. ", and that " Tires are eligible for repair or replacement until the tread depth is less than XX/XX/XXXX. '' On XX/XX/XXXX, I took my car to Mercedes Benz to repair/replace a flat tire that had a nail in it. I was shocked to learn that XXXX refused to cover the replacement of my tire even though the tread depth was XX/XX/XXXX.
I paid my bill on Time. They State that i was late on my bill. So they put inaccurate information on my credit report.