WillisBack/dataset-financial-user-claim huggingface dataset:
USAA returns the Vehicle Title to the borrower after payoff via First Class mail through the USPS. No other method of shipment is offered to the borrower, even for a fee. If the title is lost, it's not possible to track it and the replacement of the title will fall to the borrower, even though the lender can not prove that they mailed the title.

One customer service representative at USAA quoted by phone a rate of at least 1 title per week being lost in the USPS mail as of XX/XX/18, in her personal experience. That's at least 52 members who are forced to obtain a duplicate title on their own time and money. Since USAA claims to care so much about their members, how in this day and age are they sending borrowers legal documents by USPS? Perhaps because if it is lost, it is of no concern or expense to them.
this was a result of a fraud account approved by Synchrony Bank acct # XXXX fraud balance {$740.00} this was disputed with Synchrony Ban bacl when account was Opened and deleted from credit reportsand now Synchrony bank has placed this fraud account back on my credit report this was due the XXXX Breach
I had a XXXX year contract with XXXX XXXX beginning XX/XX/XXXX. I switched carriers, I ported my numbers to XXXX in XXXX or XX/XX/XXXX. This is well outside my two year obligation. I never signed another contract or extension with XXXX XXXX. I never received any bill from XXXX XXXX after my number was ported. The first that I knew that they had charged me an early cancellation fee was when their collection agency sent me a letter and a bill. XXXX XXXX wo n't speak with me because they say its been turned over to collections. I spoke with diversified, the collection company and they just say " I owe ''. I wrote them and asked for any contract and or bills. They only provided the early termination charges/bill, they did not produce any written contract from XXXX XXXX. I know that I was out of contract and within my right to change carriers. None of the involved parties wants to work to fix the problem. Please help.
Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of XXXX XXXX XXXX credit acceptance and XXXX we on my report. Number one I XXXX XXXX XXXX because I have XXXX XXXX so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports. 
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
On XXXX XXXX, XXXX, I received a letter notifying me that a debt was placed with their office. This letter was dated XXXX XXXX, XXXX. 
Today, XXXX XXXX, XXXX, I receive a second letter from this company stating that they have made several attempts to contact me and that I have failed to respond. In this letter, dated XXXX XXXX, XXXX, it states that any accounts that remains unpaid for 60 days after they are placed with their office are subject to garnishment or litigation. It states in the second letter that the account was placed in their office on XXXX/XXXX/XXXX. 
By the time I even received their first letter, I was already past their claimed 60-day window for legal action. I was waiting for a few more pieces of mail ( unrelated to this matter ) in order to talk to my bankruptcy attorney when I received these two letters literally a week apart from one another. The first letter does not state when the account was placed or a time window for action on their part. 
I have not received one phone call from this company and I 'm more than confident that the original creditor has my current cell phone number as I have discussed this debt with them before it went to collections and updated all of my demographic information. 
At the rate in which their adding interest and fees, I 'd never be able to pay them off. Per their letter, with a XXXX % wage garnishment, almost half of the garnishment payment would go to the fees and interest they added to the account in just the two weeks prior to that payment. This makes it impossible to even work out any sort of payment arrangements with them as my wife 's wages are currently being garnished at XXXX %, and add to that my son needing constant medical attention, I feel with their unjustifiably late letter and now the imminent threat of legal action against me, my family 's financial stability is in question and it could possibly put my son at risk due to not being able to provide for him the medical care he needs. 
In one week 's time, this company has placed an undue stress upon my family with their questionable contact tactics.
Can you please take off anything negative on my credit report from 2010 and older. I want to try and clean up my credit.
I've got a collection debt on my credit report for {$4200.00}. I talked to the collection about this account over and over again. They keep telling me that I'm not in their system anymore because the company that I owed, I paid. I never should of been sent to collection in the first place. I talked to the original company that sent me to collection and they said they made a mistake by sending that to collection so they withdrew it. Now the collection agency that they sent it to keep reporting it. They said I'm not in their system but when I talked to XXXX  to find out why they keep reporting it, they said it's the collection fault. Every time I talk to the collection agency they hang up in my face or is very rude to me I have recorded calls and all. Now they won't even respond to my dispute and just keep reporting on my credit. I'm so frustrated and don't know what else to do. 

I ask them to send me information stating that I don't owe them but they keep telling me they can't because I'm not in there system. I don't get it. You report me every month but I'm not in your system? That don't make sense.
My XXXX  credit score was XXXX on XX/XX/18. Three days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My Equifax score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. XXXX  had dropped XXXX to XXXX on XX/XX/18
My Husband and I applied for a loan and were approved. We found a house and started closing process. They had me jumping through hoops 24/7. It was so hard to get a hold of XXXX XXXX. When we did get a hold of her she was short and very rude. We are going through XXXX XXXX MAPS program. The program requires some paper work they had to request from her and you could tell she did n't want to deal with us. We got to our closing day almost. The day before I got a phone call requesting a year worth of utility bills and if I could n't close. They said we no longer had enough credit which they knew our credit when the pre-approved us. We have really good credit scores. We just did n't have 3 lines. It seemed like from the start they did n't want to lend to us. They just dragged us along knowing the entire time it was n't going to work. They we 're so unorganized it was crazy. They are very unprofessional and discriminated us because of our age. 

When they dropped us they told us we could still use the appraisal then turned around and wanted {$600.00}. I am so disappointed in this company and ca n't believe the way they treated us. I think its all because of our age they just slung us around thinking we had no clue about what they are doing. They took advantage of us! They have made our first home buying experience horrible. They do n't care anything about others. It took them about 3 months to tell us no.
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX  XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt,
Hello We recently had a dispute with Chase credit card services. Below are the dates and amounts of the transactions. 

XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$5800.00} Show details XXXX XXXX XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$540.00} The transaction was disputed because we never received the services from the vendor. Chase had asked us for more details which had been provided to them. They told us the information was never received and that they only accept it via fax. We tried faxing it multiple times and they told us it takes 1 day to verify receipt of a fax so they could not tell us right away. 

After all of this occurred they closed the case and told us it has been too long and that they never received anything. 

Please help me.
I paid the XXXX XXXX for a payday loan they said they I owed. XXXX months later they keep calling me along with Midwest Recovery Systems for the same loan.Neither company can tell me who the loan was originally through or provide proof that the loan is mine. I do not recall ever having a payday loan with the company listed on my credit via Midwest Recovery ( XXXX XXXX ). 

I have already paid XXXX XXXX for this loan and have still been receiving harassing calls where the company representative is yelling and threatening me via phone.
I applied with   XXXX   XXXX   whom use Corelogic to do background checks however I was denied due to too many tenant cases filed which was rectified by my bankruptcy attorney however with this company they keep reporting incorrect information which is preventing from getting a few apartments that I want. As result can this company be investigated for poor reporting practices ... I am sure I am not the only person whom have been defamed by this company is it possible to file a class action lawsuit?
There is a Po box in XXXX, NC showing as an address on my credit report. I have never had a PO box nor have I ever lived in XXXX. This should not be on my credit report.
I pay my Chase Sapphire Card in full, every month, without exception. At times, I end up paying a few days late due to travel/work. Because I pay in full, I call and ask at time of payment for a refund of any late fees/interest ( if any ), and they have 100 % of the time obliged ( for obvious reasons ). XX/XX/2016 this happened again, and I was told on the phone that the late fee/interest was waived and I paid the remaining balance in full. As it turned out, they only waived the late fee, so I in actuality did not pay in full, kicking off a series of monthly interest charges. This happened XX/XX/XXXX and XX/XX/XXXX as well as I was traveling for work/holidays over the due date. I again paid in full and called and they said the fees/interest were waived. It only now has come to my attention that the interest was never waived as told, which means my payment " in full '' was short an unknown interest payment, allowing them to rack up hundreds in interest fees ( that I thought were waived ) on purchases that were paid in full. When I called them, they said they could n't do anything, EVEN THOUGH THEY HAD TOLD ME FOR MONTHS that those fees had been waived ( and therefore I was paying in full ).
XXXX XXXX, XXXX I went to the Chase site to initiate a process to get a credit card and balance transfer from another credit card, as this was an interest free offer. At that time it asked for the amount of the transfer. I guessed and put XXXX. Since I did not know the actual amount, I decided to get the information before starting the process. I hung up and called into Chase. At that time, I told the representative the amount was {$2000.00}. I was approved and received the card at which time I called and verified the XXXX balance transfer. The next morning I woke up to a text on my phone saying there may be fraudulent charges, one for {$1600.00} and one for {$2100.00} ( 5 % balance transfer fee ) I explained I did not initiate the XXXX as that was before I got the card. I was advised neither could be cancelled and that I would have to wait for both to post and at that time call XXXX XXXXXXXX XXXX and request the credit be sent to me in order to pay on my new XXXX account. I explained I never initiated the XXXX, as that was included in the XXXX. I was charged the 5 % two times ; once in the XXXX and once on the XXXX. I requested a credit. I was told no. This is bad business practices. I was not given the information when I spoke to the representative that there was indeed a transfer request already pending. The supervisor told me it is in two separate systems so they could not have known. I think to be made whole, the {$100.00} transfer fee should be credited back to me or the {$80.00}. I should not have to pay twice for a mistake Chase made, not me.
I have had a Macy 's credit card since XX/XX/XXXX. I received a letter in the mail XX/XX/XXXX stating, " this letter confirms receipt of your written notice to reject the new terms contained in the change in terms notification of your Macy 's credit card account, since you have elected to not accept the terms, your account has been closed ''. 
I have never received a request to accept any new terms from Macy 's, and I have talked with XXXX different customer service agents concerning this issue. I was finally given another number to call XXXX. The agent at this number said she could n't help me, they were the department for delinquent accounts. I have always paid my Macy 's account on time and I am currently in good standings with them. I really need help. I was appalled from this letter saying they were closing my account without my permission, or giving me a valid reason. I have told the agents at Macy 's to send me the written rejection letter that I supposedly have sent them and I was told they could n't help me. Please if anyone from your office can find out if a fraud act has been committed and help restore my Macy 's account back to good standing. I have great credit overall and I am afraid this will cause a negative impact on my credit bureau records.
While I have another complaint in on Ocwen Loan Servicing regarding my " Work Out '' Remod loan and I am dealing with that, I had this conversation with their Ombudsman Office this week and was quote alarmed. It seems that Owcen Loan Servicing 's Right hand does not know what the left hand is doing? They were showing that I had agreed to a Deed-in-Lien, which I never did? This has caused a real problem on the process of a remod loan. The below is a summary of that discussion and I am asking your agency to get involved in the matter. I am also coping my HUD representative and Congressman 's office. 

Thank You Conversation with Ocwen Office of the Ombudsman - XX/XX/XXXX Ocwen Loan Servicing XXXX XXXX Office of the Ombudsman Loan # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXXXXXX XXXX ; As per our conversation today, I HAVE NEVER, agreed to a deed-in-lieu of foreclosure and have always been involved in a " Work Out Program '' for a loan remodifcatiion. The current paperwork my relationship manager has with your company indicates the same. You indicated the reason the trustee sale for our property dated XXXX/XXXX/XXXX was placed on hold was due to a problem with a clear title and you were going to go back immediately and get this resolved so the property will not be rescheduled again for a sales. I have always wanted to KEEP the home and have never wanted to turn the home over. If that was the case then why? have I been working with your relationship managers since XX/XX/XXXX to get a remod completed. I have also asked you to reach out and make sure my relationship managers superior calls me ASAP to find out why I am having to completely fill out a new workout package again for the fifth rime?. Someone did call me last week ( believe a supervisor ) but the only message they left was to call the customer service number. That does me no good! Please have someone call again and if I am unable to take the call, leave a number a can call them back! I did receive a partially completed packet from my relationship manager and he did ask for a signature and to return back to him, but only part of the packet was completed? I need to get clarification from his supervisor ASAP. Finally, I am very upset that this has not only taken almost four years, but now your company is trying to say I wanted to turn my home over to Ocwen when in fact, that is the opposite. We are also waiting on a response to our demand letters, which you have said a response would be back by XXXX/XXXX/XXXX to the Consumer Finance Gov, Congressman 's XXXX XXXX office and myself. 

In summary, their first response is very disappointing and one that is totally unacceptable. I hope to get our new response going ASAP.
Homeowner is a XXXX divorced woman. she is a XXXX, needing assistance to do simple task like taxes, answering the phone or even walking. 
The homeowner has been fighting the investor : Countrywide Financial, inc., XXXX, Bank of America and XXXX. 
The homeowner has filed Bankruptcy Ch. XXXX and will be dismissed on XXXX. 
The homeowner has ordered a XXXX Securitization Audit and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX also show strong known robo signer participation in MERS documents and more. 
The Homeowner alleges the following investor, XXXX ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, XXXX include : : COUNTRYWIDE HOME LOANS, INC. ; THE XXXX AS TRUSTEE FOR SECURITIZED TRUST XXXX XXXX XXXX ; COUNTRYWIDE HOME LOANS ; XXXX. ; COUNTRYWIDE HOME LOANS SERVICING LP ; MORTGAGE ELECTRONIC REGISTRATION SYSTEM, AKA " MERS '' AND DOES XXXX THROUGH XXXX, INCLUSIVE. 

The complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION. 
Recently Bank of America NA hired a paralegal company to respond to previous complaint : the XXXX. The response diverted any answers from complaint : by not answering any of the complaint issues. They simple just wrote back that Bank of America was compliant and did not answer the complaint issues of broken title or wrongful foreclosure. This paralegal novice did not know how to answer the complaint. The simple response was forward top XXXX : then again re-forward to XXXX. The same old run around. 
The complaint showed that a XXXX XXXX was conducted and shows STRONG evidence that a broken chain of title was discovered, that investor was hiding behind the processor,, XXXX and XXXX.
I called fedloan on XXXX XXXX regarding my intent to pay off the loan because I was refinancing the loan privately. They informed me the amount would be XXXX which was confirmed online and advised I should put a stop payment on the monthly payment so that we do n't overpay if we were going to send a check for the complete loan. We sent and they cashed the full amount. We followed up today and they said we still have over XXXX dollars outstanding. They are unable to tell us how and why and how this figure adds up and how the loan repayment amount was different and how the payment was allocated that resulted in an extra XXXX dollars. 
Please help and request fedloan look into this situation.
Hyundai Motor Finance has added a past due balance of {$8000.00} to my credit report. I had a XX/XX/XXXX Hyundai Genesis that I traded in for a XX/XX/XXXX Hyundai Genesis. When the dealership sold the car there was a balance of {$8000.00} that was due on the lease. My lease contact that I signed for my XXXX Genesis show that XXXX XXXX had carried over the balance to my new lease. I have tried to explain this to HMF, but with no avail. HMF still insist that I owe them {$8000.00}. I 've provided HMF with the check that XXXX XXXX sent to HMF. I like to have this outstanding balance removed from my credit report and ask the my credit reflect Paid in full as agreed.
My Interest is very high for this loan. It just seems that I was misled and not properly educated on the interest rates of this loan.