WillisBack/dataset-financial-user-claim huggingface dataset:
GOOD AFTERNOON, BOTH  XXXX  AND EXPERIAN CONTINUE TO REPORT A LATE PAYMENT ON MY CREDIT RPORT, WHICH IS INCORRECT. I HAVE MADE NUMEROUS ATTEMPTS TO PROVE THIS IS NOT ACCURATE AND THAT THEY SHOULD UPDATE MY INFIRMATION AND NOT VILATE THE FAIR CREDIT REPORTING ACT BY REPORTING INCORRECT INFORMATION. I HAVE MADE MANY ATTEMPTS AND FEEL THIS IS MY LAST RESORT, BEFORE FILING THIS COMPLAINT AND SEEKING DAMAGES IN SMALLS CLAIMS COURT.
I received a demand letter from Love, Beal and Nixon P.C. in  XXXX , regarding a auto loan with   XXXX   XXXX   XXXX  -I took out a auto loan with  XXXX  and was told by the dealership that it was a requirement from  XXXX  that I had to have an extend service contract. After finding out that this was wrong and a fraud loan, I sent back the car to  XXXX -and I was working with them while they were suppose to be investigating the dealership.
I sent them out a validation letter requesting : 1 ) since they are the law firm representing  XXXX , what was the results of the investigation.
2 ) Per the contract, I signed with  XXXX , I agreed that the contract will be governed by the laws of the state of Kansas-How were they able to sue or collect the debt under the laws of Oklahoma.
They did not answer these questions-they just sent me back my contract with  XXXX , and a letter stating what I owed.
Also, I was looking at my credit today, and found an inquiry from this law firm, requesting my credit-I did n't sign ANYTHING, that allows them to checking my credit.
At this point-I have tried to contact the law firm and I get nowhere-I would like them to send this account back to  XXXX , where I can deal with the balance owe directly and get the answers that are owed to me. And I want the Inquiry and any credit reporting removed from credit report.
So yesterday I had a collection account placed on my credit report. It shows no original dates only the supposed creditor. When you XXXX them XXXX XXXX, you see nothing but scam alerts. So the collection company is MIDWEST RECOVERY SYSTEMS. 
I called XXXX/MIDWEST RECOVERY SYSTEMS when you call its a prerecorded message saying it is XXXX XXXX . Then your transferred to a supposedly XXXX XXXX. He started off the conversation asking for my Social Security number, I would not provide such information over the phone, stated I would be arrested if I did not and also pay this collection account today. Also is refused to send me any documentation to verify the account. Said they could email. I plainly told him that is not an actual legal way to verify the debt. I told him this has to be a scam, he said they will dispatch a police officer to my location today if I did not pay. Very mean individual/very foul language. Said the call was being recorded. I highly doubt that because that would not be legal to say on a supposed collection call.
XXXX XXXX, Senior Collector at XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX about my account being negative. Since it was a new account I had just opened in XX/XX/XXXX, I had not even used the account yet. I was only able to set up my direct deposit from my part time job. I replied to XXXX 's email stating that my XXXX account was hacked and fraudulent purchases were made. Because my new bank account was attached, it tried to withdraw from it. I contacted XXXX and they closed my account and I had to create a new one. I even provided her with the email from XXXX in regards to the fraudulent charges. The bank told me I had to physically come inside the bank to dispute. At the time, I lived in XXXX, GA and could not physically walk into any branch, therefore opening up a dispute online through their secure inbox. Even after providing proof, they still didnt close the account for fraud and began reporting this on my credit report. I have attached the conversation between me and XXXX from Florida Commerce.
i have around 3-4 hard pulls on my exparian report. that should n't be there
Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them.
I HAVE APPLIED FOR A MODIFICATION AND SUBMITTED ALL DOCUMENTS THAT WERE BEING REQUESTED BY MY SERVICER PNC BANK. I WAS INFORMED BY PNC BANK THAT MY FILE WAS DEEMED COMPLETE WITH ALL REQUIRED DOCUMENTS ON XXXX/XXXX/17 WHICH IT WENT TO THE UNDERWRITING DEPARTMENT ON THAT DAY WHICH THEN I WAS TOLD THAT THE UNDERWRITING DEPARTMENT TAKES UP TO 30 DAYS FOR A DECISION. I HAVE BEEN CALLING ON A WEEKLY BASIS TO SEE IF THEN NEED ANY UPDATED DOCUMENTS DURING THAT TIME AND TO SEE IF A DECISION HAS BEEN RENDERED, ALL I GET TOLD WHEN I ASK WHY IT IS TAKING SO LONG IS ATTITUDE FROM ALL REPRESENTATIVES AS IF I AM BOTHER THEM AND THAT THEY ARE WAITING ON MY INVESTOR TO RESPOND IN REGARDS TO THE MODIFICATION REQUEST. MY LAST CALL TO THEM ON XXXX/XXXX/17 I WAS INFORMED THAT MY REVIEW HAS BEEN CLOSED OUT ON XXXX/XXXX/17 DUE TO THE INVESTOR OF MY LOAN DID NOT RESPOND TO PNC BANK REQUEST AND IT WAS TAKING TO LONG SO THEY ARE JUST GOING TO CLOSE OUT THE FILE. THIS IS ABSURD!!! HOW IS IT MY FAULT THAT THE SERVICER AND MY INVESTOR DOESNT KNOW HOW TO COMMUNICATE? 

I NEED HELP TO SAVE MY HOME AND IT CANT BE LEGAL FOR ME TO BE HELD RESPONSIBLE FOR THE INVESTOR AND SERVICER NOT COMMUNICATING!!
On XXXX XXXX 2017, I revieved a call from an unfamilliar local Area Code & therefore did n't answer. After XXXX the phone # to no avail, I XXXX & called it back & found out it was ( also ) Transworld Systems Inc . They had already called before on ( XXXX ) XXXX so was this a tactic of Deception by the appearance of calling from a local #, just to catch the person off guard & get them to answer?? I did some research & found out that Transworld has NO Missouri offices & also that this is a Landline based in XXXX XXXX ( city ) MO ( just like I am ) & the # is provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ). Is this a normal practice for any kind of reputable business?? Transworld Systems has already been in big trouble with the FTC assessing record fines. Apparantly they were not enough to make the company conduct an ethical & fair business.
Chase Home Mortgage is servicing my home loan and I would appreciate if you could reach out to them on my behalf and stop the sale of my home scheduled for XX/XX/2018. They have NEVER provided me with any sort of assistance on my mortgage, although I have tried to work with them for years. Due to an ugly separation, loss of income from my business, and other unexpected expenses, I fell behind on my mortgage seven years ago. I contacted Chase for assistance, but got the runaround and told that I did not have sufficient income. However, they are wrong as my business income has improved, my wife is working and she just started a new business. I tried as late as a month ago to get Chase to work with me, but they said it was too late to submit a modification package. I was told by a lady at Chase that there wasnt anything that will keep my home from selling in a foreclosure, but I feel there must be something they could have done and still can do. I have never had a modification, forbearance or any other type of assistance and really need your help to save my home. I wish the lady I spoke with this last time actually took her time and would have seen that I am qualified for assistance through a loan modification. I feel that she did not do her job and I could already be on the way to getting a modification, if I could have been allowed to submit my information. This I believe is wrong and I would like for you to look into what they are doing with my loan. This loan should have already been modified.
The Honorable XXXX XXXX Deputy Director, Consumer Financial Protection Bureau XX/XX/XXXX XX/XX/XXXXDear Deputy Director XXXX : This is a complaint about the failure of two national banks, XXXX XXXX XXXX and SunTrust, failing to properly audit an ATM machine to resolve a discrepancy in the amount disbursed to me when the ATM malfunctioned on XX/XX/XXXX. 

I am XXXX years old, and a checking account holder at the XXXX, XXXX branch of SunTrust. However, as a matter of convenience, I initiated an ATM withdrawal of {$300.00} at a XXXX XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Once I initiated the transaction, the ATM mechanism designed for disbursing the currency mangled all the {$20.00} bills, except one, keeping {$280.00} of the cash proceeds for which my SunTrust account was debited. I was able to see the mangled bills in the ATM mechanism but could not do anything to resolve the dilemma. I espied a XXXX XXXX XXXX employee inside the bank premises and went in and implored her to assist me before another ATM patron initiated a transaction of withdrawals and thereby might receive the balance of my funds. 
The XXXX  XXXX XXXX employee scoffed at my request for help, advising me that ATM transactions are beyond the authority of their duties at XXXX XXXX XXXX. I knew this to be untrue because I have witnessed bank employees retrieve electronic debit and credit cards from ATM machines when the ATM has mistakenly confiscated a patrons card. 
So, I became more insistent that someone help me because I believed that since the cash proceeds had been delivered to the mechanism for disbursement, my account would be charged although I had been deprived of the full amount of the authorized withdrawal. 
The refusal to help me escalated to another unprovoked level when the XXXX XXXX XXXX employee beckoned security ( a XXXX government police officer moonlighting ). I was assailed by the security agent who, like me is XXXX. From there the development of events went beyond anything that can be described as rational or reasonable. 
Both XXXX XXXX XXXX and my bank, SunTrust, have denied my claims for an honest audit that would, if honest, reconcile the amount ( {$280.00} ) of cash proceeds that I did not receive from the XXXX XXXX XXXX ATM onXX/XX/XXXX 
This complaint is made to enforce my rights to having this matter conciliated in a manner that reflects the chronological developments which can be documented by the digital and visually recorded data contained within the XXXX XXXX XXXX repositories used for safekeeping records of digital surveillance and financial transactions at the ATM, all of which validate my claim.
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AZ XXXXTo whom it may concern, I bought my home in XXXX XXXX for {$260000.00} and put {$26000.00} down on it, with another XXXX cash put into home in upgrades. At the time I was salaried at 42k a year + OT. 
In XXXX of XXXX the company I worked for re-structured and I was let go along with many others. Little did I know that at the same time this happened the economy crashed. It was impossible to get hired again in my occupation as XXXX. While I was able to get a loan modification, it did not reduce the principle on the loan leaving me upside down on the note. Owing XXXX on a home worth around XXXX plus a XXXX mortgage of XXXX.I have stayed in my home determined to keep it regardless but got behind by XXXX payments back in XXXX. Since XXXX XXXX I have been in the same very stable position, but have not made enough to handle all the late fees from back payments. My mortgage is now XXXX of my take home pay and has made it difficult to make ends meet. Now another hardship of a family emergency with a parent that needed me. This has left me more than 3 months behind. I applied for a loan modification back in XXXX and was turned down by OCWEN. They said I did not make enough money. I applied for another loan modification with them, this time my mother paid my health insurance. OCWEN then said that I made too much money and did not need another modification. They said that they were a loan servicer and that they did not have the means to do a principle reduction. In short, I stayed in a home that has been underwater for most of the years that I have owned, put a lot of money into it. Loved my neighbors like family but am not able to get caught up on my payments and am sorely in need of a principle reduction /loan modification. 
Please let me know if there is anything you can do to help me. 

Most Sincerely, XXXX XXXX
On XX/XX/XXXX I was notified through Equifax that I may be affect by a security breach at that company. The security breach occured on XX/XX/XXXX and I was not notified until XX/XX/XXXX.
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX XXXX  ... They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
On XXXX XXXX, 2014 I terminated service with XXXX XXXX in XXXX and moved to XXXX. I returned all the equipment that I had to XXXX. XXXX claims that I did not return XXXX cable cards that they said I had in my possession. In spite of several phone discussions with their representatives where they agreed that the issue was resolved. They continue to attempt collection. They have now reported me to the credit bureaus for non-payment. I have attached XXXX letters I have written which describes the issue in more detail.
Need a discharge confirmation and I went to Couty Cleark to get it done, but the old bank XXXX XXXX does not exist any more. I am working on getting an equity loan. The mortgage made a mistake with the number XXXX and it should be XXXX.
When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading Modern Money Mechanics, published by the Federal Reserve XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX v XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX v XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 


I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. 
Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.
My file number is  XXXX . I have requested numerous times from Transunion to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to   XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.
Upon reviewing my XXXX credit report XX/XX/2018, with attorney it was pointed out that CashCall is knowingly and intentionally reporting false information which is in Violation of the Fair Credit Reporting Act. CashCall indicates that the closed account on my report was sold/transferred to a company ; XXXX XXXX c/o XXXX XXXX. I called CashCall and their office confirmed and provided me the telephone number and address ( XXXX XXXX c/o XXXX XXXX telephone # XXXX address XXXX XXXX XXXXXXXX XXXX XXXX, NY. ). I called XXXX XXXX c/o XXXX XXXX they searched their records for 30 minutes while I was on-hold, using my social security number, DOB, address, and telephone number, they found no evidence of ever having the account and indicated they do not service and never have serviced personal loans, payday loans, as that their business serviced other business and collection platforms. CashCall continues its Predatory Lending behaviors and is in violation of the Fair Credit Reporting Act.
XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on  XXXX  currently they just reported I was late 90 days , 34 times  and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's  on two occ asions, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from my credit report.
On XX/XX/XXXX The company rush card claimed that my debit card had been compromised although the card was and has been in my possession. I made XXXX transactions on XX/XX/XXXX XXXX to XXXX XXXX to pay my cellular phone bill and another at XXXX for breakfast. Around lunch time me and a few coworkers went out to a restaurant where I was embarrassed due to my card declining from Rush card placing a " HOLD '' on my card. I was on the phone with the company 's customer service representatives all day since that moment and I was placed on hold for XXXX minutes in between constantly calling back to back for answers speaking to a total of XXXX agents ( XXXX supervisors ) getting NO HELP AT ALL to resolve my dreadful issue only to be told they 'd have to mail me out another card which will take a few business days and I can not access my money whatsoever. This is Absolutely redundant and I am extremely inconvenienced. I am NOT happy with Rush Card and I have been a customer since XX/XX/XXXX.
I have applied for the Citi Thank You Premier credit card which had a promotional offer for XXXX points when you spend {$4000.00} dollars in 3 months. I was accepted for this promotion while applying back in XXXX of 2017. 

I had to call citi to be reconsidered for this card and was accepted. They told me that the promotion would apply after completing the benefits while I was on the phone with the customer service representative. 

Many months later after completing the requirements, they told me that the promotion wasn't on the account. I called again and then the customer representative said that I was eligible because I've had this card before. This was the first time I ever heard of this after applying and talking to multiple people on the phone from citi.
On XXXX XXXX, my XXXX elderly ) mother sent me a bank to bank wire for $ XXXX. Turns out she left a digit out of my account # when she sent it. The wire DID have my full name and address ( matching the records on my bank account ). The $ XXXX was inevitably deposited into an active account with XXXX. Her bank, sent an amendment to the wire on XXXX XXXX, XXXX. XXXX has confirmed receipt of this amendment. Since then, I have been given a XXXX XXXX XXXX XXXX #. I have been told the account the money went into is an " internal XXXX account '' but that they would need to get an authorization to remove this money before it can be put into my account. I do n't understand if it 's an INTERNAL account, why they ca n't just do the right thing and move the money into my account ... the intended receiver of this. This money was sent for a medical emergency ... and I am still awaiting treatment, due to not having this money. This is very urgent. Please help.
After XXXX XXXX XXXX transferred my loan to NationStar Mortgage, which by the way I had no say, nor I agreed to have my loan transferred, NationStar Mortgage is charging me a {$10.00} processing fee for making my payment on line after the XXXX of XXXX, which was a Sunday, so I made the payment on the XXXX of XXXX, I called Nationstar Mortage to ask about the " processing '' fee, and for what, since no one else charges a processing fee when a payment is made on line, I was told that is because they have to process that payment through a third party, to what I replied, that if they are not well equipped and do n't have the systems to process payments, then they should not be in the " mortgage '' business, because not only that fee was NOT properly disclosed on my statement, nor it was disclosed anywhere on the initial letter I received once they took over my mortgage, I requested a fee schedule showing and disclosing the fee and the description, and I was told that they do n't give that to anyone, as they do n't have access to that information, because that is their third party processor. If Nationstar Mortgage is NOT a bank, what are they?. If Nationstar does have the systems to properly withdraw money from my bank for my mortgage, then they should not be in the mortgage business. XX/XX/XXXX was the first month I had to make a payment, and that was another phone call, because the information I was supposed to get, I did not received, because they were late in sending me the statement, so I have to pay for their mediocrity and inefficient way of running their business. I want a schedule fee and I want full disclosure of why I am responsible for them using a third party service.
I requested a payloff for my Greentree Account because of the poor service provided, they are crooks in every form of the word and should not be servicing mortgages period. Let me explain ; I received a payoff on my account, while at the bank transfering the amount to greentree, I called their customer service group and told them what I was doing, the representative informed me that my scheduled automatic payment could not be stopped, I asked her to note my account that I was wiring the amount on the payoff letter minus the amount being automatically withdrawn which she could not stop. I followed up with greentree servicing and they have failed to clear the account and now have an additional amount of {$400.00} Interest on a balance of {$1900.00} and despite many calls to different supervisors, nothing can be resolved. Clear and close my account, beware of this group.