WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a  XX/XX/XXXX   XXXX   XXXX   with my brother ( co-applicant ) through  XXXX  in  XXXX . We traded the   XXXX   XXXX   in for  XXXX    XXXX   XXXX   on  XX/XX/XXXX  in My name only this time.That being said the  XXXX   XXXX  was paid off through  XXXX  and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car (  XXXX   XXXX  )  XXXX  Initially there wer e two 30 day lates, one re ported on  XX/XX/XXXX  and the other in  XX/XX/XXXX . I was advised to dispute it by  XXXX  because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed  one  30 day late which was the  XXXX   XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  XXXX  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX  so how can we have a 30 day late on our credit report for  XX/XX/XXXX  &  XX/XX/XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the  XX/XX/XXXX  late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither  XXXX  or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what  XXXX  's response was or I really feel like they are n't even investigating the matter.
This is the 3rd time that XXXX XXXX has reduced my credit limit which has affected my credit score. Each time they reduce my credit limit it is around {$10.00} more than what the balance is that I have on the card at the time. Now before I did n't fuss too much because my balances were high on my other credit cards. But this time I have fixed that problem. Each time XXXX XXXX does this my credit score drops 13-20 points because they make it look like I have maxed my card out. Before this recent drop. My credit limit was {$350.00} and my balance is {$170.00}. Now my credit limit is {$180.00} and my balance is {$170.00} which makes it look like I have maxed my card out. I feel this is unfair and a company whom discriminates against its customers. I have worked hard to repair my credit and decrease my credit balances and XXXX XXXX  creates a bigger mess every time. I am trying to purchase a house and with my credit score being decreased for no apparent reason, I am back at a stand still. I have only  been late on this account once due to the payment date being overlooked by accident. Other than that my account has been paid on time.
I owed a medical debt to XXXX XXXX XXXX. They reported this matter originally to XXXX. XXXX lost the contract with XXXX XXXX and the debt was turned back over to the hospital. Once that was done, XXXX XXXX contacted me. I immediately paid this collection matter with the hospital. XXXX has agreed to delete this from my report. XXXX XXXX contracted AMCOL to collection their accounts. For some reason AMCOL started reporting a debt that I paid prior to being sent them. They are refusing to remove this error. AMCOL should have never reported a debt I paid prior to being sent to their office. Additionally, the refuse to assist me at all with this matter.
Ocwen loan Servicing. On XX/XX/2016 I had a fire in my home that caused substantial damages to my property. Ocwen loan fail to pay the contractors in a timely manner, causing me to be out of my home for 2 yrs. Ocwen breach of contract due to not being commitment in the contract. Ocwen valid the contract in my Insurance policy. Ocwen caused me and my family a lot of hardship moving to different places for 2 years.
Every time I would turn around there would be another bill from navient in regards to my student loans in the mail even after me requesting on several occasions a fixed income repayment plan of some sorts no matter how many phone calls I would make no matter how many times I would fill out paperwork it seems like I would still continue to get these envelopes full of payment plans or a forbearance set of paperwork rather than something that would help me with my economic hardship
UAC finance my finance manager told me that my payment was due on XXXX XXXX this was on XXXX XXXX i confined it with her the times then on XXXX XXXX i was notified that my payment for XXXX XXXX was past due and that if i do not pay it they are going to take my car i expand to them what was told to me by my finance manager and tried to work it out with them but they refused to work with me
pay pal has put a charge back on my account and will not re move it even, when the card company paid the charge ( has been given conformation number several times ).
Divorced XX/XX/XXXX. Prior to the marriages end, we had joint checking, savings and a line of credit attached to the checking account number. My wife and I meet at the XXXX, NY. Chase Bank managers office for the purpose of removing my name from the joint accounts, transferring account numbers to a single ownership account. At time of transfer my credit rating was XXXX points. Six years later, I began to notice a drastic decrease in my credit report number. I didn't think much about this drop, due to fact that all accounts where closed with no debts owed ( mortgage, vehicles and credit cards paid in full honorably ). In XX/XX/XXXX I applied for a XXXX credit card, it was denied by Chase bank. I never received a notice of nonpayment, collect, or default. I never received notice from credit reporting/collection agencies. I contacted Chase bank, I was told account closed, and was charged off. I no longer had legal access or control over ex-wife 's personal/private affairs. Chase gave me no warning, because I was not a customer.
1. Ocwen misrepresented my foreclosure date to me. An Ocwen representative named XXXX XXXX, ID # XXXX told me my house was going to be auctioned off on XX/XX/XXXX. This is incorrect. The court in the foreclosure action set my law day, the foreclosure date under Connecticut law, on XXXX XXXX, XXXX. Ocwen 's attorneys have not asked the court to reschedule it for XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I will have already lost my house. Ocwen is giving me inaccurate information about the foreclosure process, which is confusing to me and, if I had n't checked with someone else, would have resulted in me losing my house. 
2. Ocwen refused to consider my Social Security XXXX Income in its loan modification review, unlawfully discriminating against me on the basis of XXXX. We submitted a loan modification application to Ocwen, which it acknowledged was complete on XXXX XXXX, XXXX. I included proof of receipt of Social Security XXXX Income of {$1800.00} per month. In a denial letter dated XXXX XXXX, XXXX, Ocwen stated that my verified income was " {$0.00} ''. Ocwen refused to consider my XXXX income. An Ocwen representative later told me that XXXX income was not accepted. This is wrong and discriminatory. Ocwen must use my XXXX income in evaluating us for a loan modification. 
3. Ocwen told me in XXXX XXXX that it would re-review me for a loan modification because it had failed to include my husband 's employment income. Ocwen has not done so and is pushing forward with the foreclosure against me. I spoke to XXXX on XXXX XXXX, and she acknowledged that Ocwen had not used my husband 's employment income in reviewing us for a loan modification, even though I had submitted proof and it had agreed to do so. Ocwen had further failed to use my social security XXXX income. XXXX said that she would resubmit the documents to the underwriter because Ocwen had made a mistake and we would receive a decision soon. Ocwen has not gotten back to me. When I call, I am not able to get an answer about what 's going on with the loan modification review. We have sufficient income to support a loan modification, but we need Ocwen to accurately review our documents and count all of our eligible income.
XXXX XXXX XXXX XXXX XXXX is reporting on XXXX and Equifax a last reported date of X/X/2017 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
Equifax in my FICO score continues to report incorrectly that I defaulted on a mortgage. I have never defaulted on any loan. The credit union that issued the mortgage in question has reported twice to Equifax that the mortgage was never in default. Equifax customer service refuses to address FICO scores or refer me to someone who will. Complaints result only in an offer to sell me the FICO score. This failure to correct the record interferes with my ability to get a new mortgage on favorable terms and damages my personal reputation.
On XX/XX/XXXX, I received XXXX Bitcoin ( BTC ) from coinbase.com when I opened a new account with them ( using an .edu email address ). I have since graduated and lost access to my .edu email account. Since XX/XX/XXXX, I have been actively trying to have my account transferred to my Gmail email address. 

The support section of their website ( https : //support.coinbase.comXXXX ) said I must verify my identity, which I did on XX/XX/XXXX. Per the written instructions, I contacted Coinbase ( https : //support.coinbase.comXXXX ) to alert them that all steps have been completed for my account to be transferred to my new email account. 

The company has stopped communicating completely, and has not replied to several requests for advice on how I can access my currency.
All   XXXX   credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX  l of North America for a   XXXX   XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.
XXXX XXXX Bank has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
On XX/XX/2017, I did not authorize said company to run my credit for a car, please send me verifiable documents if the company insists I did.
1 ) On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Citi Mortgage. I mistakenly sent {$3500.00} instead of the correct amount of {$3800.00}. 
2 ) Citi Mortgage cashed my check on XXXX XXXX, 2016. 
3 ) On XXXX XXXX, 2016 Citi Mortgage mailed a mortgage notice that stated " Our records indicate your mortgage payment is overdue and we have not received it ''. 
4 ) I was traveling out of state on business XX/XX/XXXX. 
5 ) I first opened and read the mortgage late notice and statement the evening of XXXX XXXX, 2016. On the statement it shows an amount due of {$7700.00}. this amount includes the XX/XX/XXXX and XX/XX/XXXX mortgage payments of {$3800.00} and a late fee of {$15.00}. THIS STATEMENT IS DECEPTIVE, CONFUSING, AND MISLEADING. Citi Mortgage had received and cashed my partial payment of {$3500.00}. 
6 ) XXXX XXXX, 2016 at XXXX XXXX. XXXX on I called the Citi Mortgage Customer Service Department. I was told the conversation was being recorded. The Customer Service Representative agreed to eliminate the {$110.00} late fee due to our perfect prior payment history. I was instructed to mail the {$300.00} XX/XX/XXXX balance and the XX/XX/XXXX payment of {$3800.00}. I offered to make the payment by credit card and they refused. I mailed the {$4100.00} payment and my on-line checking account record shows the check was deposited XXXX XXXX, 2016. 
7 ) Citi Mortgage mailed a Default Notice dated XXXX XXXX, 2016. I received and opened the Default Notice on XXXX XXXX, 2016. The notice states : " We have notified a credit bureau about a late payment, missed payment, or other default on your account ''. CITI MORTGAGE DAMAGED OUR CREDIT LESS THAN ONE DAY AFTER I LEARNED OF THE {$300.00} SHORT PAY AND AGREED WITH THEIR CUSTOMER SERVICE TO SETTLE THE MATTER. 
8 ) As instructed, I mailed a letter of complaint to Citi Mortgage with all of this information. Their XXXX XXXX, 2016 letter of reply refuses to change the status of our credit bureau report. My XXXX XXXX credit rating has gone from XXXX to XXXX. THIS IS UNFAIR AND UNETHICAL. 
9 ) I request the assistance of the CFPB to correct this situation and to help me clear my record.
Was notified by a rep. from First Collection Services XXXX XXXX stating I owed a debt XXXX. I disputed the validity of this debt and the rep stated the debt could be settled and would call me back with a offer at a specfic time and to have my debt card information available. I recieved a call from a four digit number XXXX at the said time. I refused the call and recieved more calls from the same number.
My partner and I bought a house in the XXXX redevelopment area in XXXX, CO in XXXX. Right after we signed these mortgage documents, our loan was sold to XXXX. Unfortunately, our house was foreclosed in XXXX. We never received any documentation as to the loan being transferred to another company or any other subsequent companies. My partner filed Bankruptcy while we still lived in Colorado and I did not. We were told by the attorney that his bankruptcy would take care of my obligation. The only loan related to this house that appears on my credit report is the original XXXX loan. I find it suspicious that XXXX held the loan for 4 years and never once contacted me? And then the loan was transferred to XXXX in XXXX and they never contacted me for more than 4 years? It seems to me that they have failed in their process to notify me as the consumer of further debt obligations. Please help!
I have been leasing a  2016   XXXX   XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease.  Currently   XXXX  is reporting those month s as 30-59 day s late. I have asked them to remove these credit markers and they have told me that they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.
I attended one semester of College in XXXX beginning in the fall of XXXX. Because my family could not afford to send me to school, we had to borrow money for the first two semesters of school which came out to two loans from XXXX XXXX for a little over {$8000.00} each with an interest rate of under 8 %. After attending the first semester of school my family fell on hard times and I had to drop out to help out around the house and support my family while the interest kept growing the size of the loans that I was unable to repay. After months of harassing calls, letters and e-mails including multiple calls to my grandmother each day who co-signed on the loan I was presented with the opportunity for forbearance where I could pay only {$100.00} and they would stop calling me and my family. Also this would not impact my credit as my account would show as up to date. I agreed to this and have agreed to this many times since over the years. Now, I am fiscally stable and working and am attempting to make payments on the loans to who is now Navient however the total balances of the loans are over {$45000.00} dollars and the interest rate has grown to 13.125 %. 

I feel that this is a criminal amount of money to have to repay for such a small loan. The balance is now so large that I can hardly afford the payments while maintaining living expenses which has taken an extreme and negative impact on my credit score. I am still young and would like to get this resolved so that I can start my life but I am feeling overwhelmed and am not sure where else to turn. Please let me know if you or someone is able to help me out of this mess. Thank you!
Interest rates are too high and affecting my credit score School provided me with no information that my loan was even sold to navient.
Hello, My Mother and Father had a safe deposit box in both names they have both passed away mom in XXXX and dad in XXXX XXXX. This safe deposit box has unclaimed property in it and has been drilled emptied and is being held by the Bank ( First Tennessee ) I and my brother would like to enter the box and search solely for a Will or important papers for either parent. I and my brother should being the rightful heirs be allowed to search for a will we do not want to remove any property at this time but there could be a will or important papers in this box. I would like to access the contents under TCA 45-2-905 subsection ( c ) ( 2 ) which says " also provides that if there is no order of the court, the following individuals can get access for the sole purpose of searching for a will, burial instructions or life insurance policies.1 Spouse of decedent 2 Parent of decedent 3 Adult sibling of decedent " me '' These individuals can get access to these safe deposit boxes but only with bank personal present both bank official and individual who gets access to the box must record a written inventory all items found in the safety deposit box. 
I am willing to follow these rules and have given notice to the bank and provided all paper work why on earth would they deny my entry under these rules handed down. I just do n't see how that can be legal for them to deny me to view the contents for a will. I am looking solely for a will or instruction left by my parents on their last wishes and I am getting a little mad about the block being put on. 
Can you give me one reasonable explanation why they will not let me look for a will escorted by a bank official without a court order? Put yourself in my and my brothers shoes we are at a lose on why someone would not let us if we follow these rules. It would be the morally right thing to do would you not think???? Please advice me on my next steps to gain access. The box has been drilled and contents being held. I can and will get a court order if you can not help but an explanation to why would help my mental state of mind on this. The bank is First Tennessee on XXXX XXXX TN. If you are not who I need to talk too maybe you can forward this to someone that can help us. Thanks Since this email was sent I have hired a lawyer and I will get a court order I just want an answer as to why we are being denied access. Any help we can get would be great lawyers are sometimes slow I was told to get help here by the unclaimed property department in my state. I am very upset and struggling with this greatly?
Portfolio Recovery Associates and XXXX has continue to break the law knowlly. Portfolio recover associate are suppose to be collecting on a so called debt for XXXX  XXXX. I have asked Portfolio recovers for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


XXXX has failed to properly validate these accounts. XXXX has admitted to go off the word of the companies. Per our conversation I had with a XXXX rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. XXXX does not have any documentation of these accounts to let them report on my credit report. 

XXXX does not have the right to continue to report any Portfolio recovery accounts on my credit report. 

XXXX  deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow the law.
While focus may be on PayDay Loans and their exorbitant interest, there seems to be no attention being paid to bank overdraft fees. Chase, my current bank, charges {$34.00} per paid or returned item if I accidentally overdraw my account and will not extend me overdraft protection because of medical debt destroying my credit score. How is this any less usury than a PayDay Loan? Granted, they are fees and not interest but the difference seems subtle to me. Does it really cost {$34.00} to pay a {$5.00} check? 

My worst horror story was with XXXX XXXX in XXXX Illinois. They admitted they could see international wire funds pending for deposit to my account the instant they were released to from the foreign bank. They suggested it would take 14 days for the funds to clear the transferring bank and actually post to my account. They paid checks I wrote against uncollected funds but charged me a hefty fee the same as for overdrafts for each. This situation ultimately created an overdraft situation that just snowballed. I refused to pay the fees and their customer service response was to place me in the XXXX XXXX which is totally one-sided ( and deserves another complaint ). I lived without a checking account until I fell from the XXXX XXXX and never did pay them the manufactured fees!
During my bankruptcy case Navy Federal had me dealing with one of their Vice Presidents, XXXX XXXX, to make my monthly payments. When my bankruptcy dismissed ( I made all my payments on time but the Chapter XXXX Trustee in XXXX is crazy ) I called XXXX XXXX and pleaded with him to let me keep my home. XXXX XXXX told me that he would work with me as long as I kept making my monthly payments. I have done this religiously including making a XX/XX/XXXX payment. 
Despite my good faith efforts I got two letters from Navy Federal indicating they were putting me in default and accelerating my loan unless I come up with $ XXXX by a date which has already passed. 
I 've also received a federal home loan modification and as stated above have made a payment in the last 30 days. I am current through my XX/XX/XXXX payment.
I recently paid off my mortgage loan, ( XX/XX/2015 ). I have yet to receive a release of lein. I have called the servicer, SETERUS, several times and continue to be told it will take 7-10 business days. It has been 4 months!!!