WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with MOHELA/XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and MOHELA/XXXX XXXX XXXX with no successful resolution.XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
In XX/XX/2017 here was a mistake made in reporting a 30 days late on my mortgage. The problem has been rectified with the mortgage agency. Attached is a letter from the reporting agency stating the removal of the 30 days late.
Prior complaint number is : # XXXX. 
I also am aware their is a harassment lawsuit filed against Drive Time, in which they still are not following suit and are not compliant with. I am also aware of the XXXX XXXX XXXX lawsuit, in which I believe Drive Time should be next for the suit description. I believe they discriminate on many aspects, such as race, age, and income. Are there even set credit tiers? Not to my knowledge. The interest and loan amount paperwork was not given to me.
This account falls under the INSTALLMENT ACCOUNTS on my credit report.
4.1 LOBEL FINANCIAL ( Account closed ) BALANCE : {$4300.00} DATE OPENED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX LOAN TYPE : Auto Loan COMMENTS : Charge-Off Account - Fixed Rate This account also falls under PUBLIC RECORDS on my credit report.
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JUDGEMENT : Case/Docket # ( XXXX ) DATE FILED : XX/XX/XXXX COURT : County XXXX XXXX Court AMOUNT : {$4600.00} This account does not belong to me. Yes, my biological birth name is XXXX XXXX. I do not have a middle name or middle initial. I am not XXXX XXXX XXXX I do have a son by the name of XXXX XXXX XXXX He 'll either go by XXXX XXXX, XXXX XXXX XXXX and/or maybe XXXX XXXX XXXX. My son lives in XXXX XXXX as well. When I first moved to XXXX XXXX back onXX/XX/XXXXI moved in with my son XXXX XXXX XXXX, his wife, and their children. I 'm not saying my son XXXX does have my social security number, but possibilities he just might remember my social security number. I moved from XXXX to XXXX XXXX back onXX/XX/XXXX This particular account was opened on XX/XX/XXXX. The only time I had ever had an auto loan was back in XX/XX/XXXX, and I had a co-signer by the name of XXXX XXXX Never did I ever have another car loan in my name whatsoever. My oldest children have been around numerous times when my spouse and I have talked about social security numbers. Being that mine is not very hard to forget I feel my son has used my identity and I would to have this removed off my credit report. If there is anything else that I need to submit besides this complaint dispute please inform me and I will submit whatever it is needed to clear my name.
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Sincerely, XXXX XXXX
This item is reporting on my Trans Union credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX I believe this item is a collection account for XXXX . I had a account with them back in the day to boost my credit history at the time. This account was paid in full and closet. The original account has been removed off my TransUnion report and now this collection item is reporting on my report.
On XX/XX/2018 I received a letter from XXXX 's, XXXX XXXX XXXX, XXXX, Ohio, XXXX. The letter concerns a problem completing my application for the XXXX  's American Express card. I NEVER applied for this card, but when I called the New Accounts Customer Service ( XXXX ) the recording asked for my 9 digit social security number, which, of course, I did not provide. 

This is an obvious scam to steal my identity. Thank you for your help in this matter.
I have asked for debt validation on my credit report from TransUnion. I have requested this many times over the last 5 months and every time it comes back with " verified '' however TransUnion never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX  I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXall requesting that I have proof of this debt and every time without proof they have verified it.
When my wife started XXXX treatment we had to file bankruptcy. We returned this vehicle and it was XXXX in bankruptcy
my mortgage company Green Tree Servicing LLC / Ditech to over paying the property taxes XXXX XXXX 2013 due to a delinquent status on my account. Green Tree Servicing LLC / Ditech overpaid the taxes by {$4500.00}. my escrow has been in the rears ever since, for over two years I have tired to get Green Tree Servicing LLC / Ditech to correct this, I forward proof of overpayment to Green Tree Servicing LLC / Ditech.
I went to the Quicken Loans website to see what refinance rates looked like. In order to get the information I wanted, I had to enter contact information. As soon as I entered it, my phone rang with someone from Quicken who asked what I wanted to do. I told him that I was interested in refinancing my home mortgage. He said someone else would call me. The second person called and asked me what I wanted to do. I told her, and she said that if I hurried up and gave her my application information, she could get it to her underwriter as she had a meeting with this person in one hour. I completed the application and uploaded pay stubs and bank statements to her. She also ran a credit report. She called me an hour later and said that I had been approved for a loan, and that she thought that a XXXX arm would be the best for me. ( steering ). She did not discuss any other loan options. She offered me a XXXX arm with no closing costs. She said that I had to pay for an appraisal. I said that I did n't think that was a great deal as I already had a 4.5 % 30 year conventional. She was very aggressive, and I was at work and had other things to do, so I said OK and paid for the appraisal with my credit card. The next morning, I emailed her and stated that for a savings of XXXX basis points, it was not worth it, and I wanted to withdraw the application. She responded with an email that said, " What did I do wrong? '' I told her nothing, I just changed my mind and was going to start looking for a new house, and I did not want to refinance. I asked her to refund my appraisal fee. Later that day someone else called me to work on my loan! I told him that I had withdrawn and wanted a refund of my appraisal fee. He said that a third person would be calling me to discuss that. Keep in mind, I did not receive a good faith estimate, nor had I signed an intent to proceed. The third person called while I was at work and in a meeting. I told him that I would call him back. When I did, I got his voice mail and left him a message that I had withdrawn my loan application and wanted a refund of my appraisal fee for an appraisal that never happened. That evening the original person that I talked to emailed me and asked if I was still interested in moving forward with the application! I responded again that no, I was withdrawing. The next day a fourth person called! We have been playing phone tag, but I basically told him that I would be filing a complaint with the CFPB. No response. Today, I received notice that Quicken could not help me with my loan application because of incomplete information. Not true - I had been trying to withdraw for a week. Regulation B violation. I asked today for the name of their Chief Compliance Officer and was told that they did n't know who that was, but that this fourth person would be calling me again. I tried calling him and got his voice mail. I am banker with 30 years experience in internal audit and regulatory compliance, and have never in my life seen so many regulations violated in XXXX transaction. I am furious. Can you help me?
I had a credit card with Sychrony Bank. The card provided rebate rewards, payable onece per month. My card had a balance of over {$130.00} in rewards XX/XX/2014. The card was stolen, so I called the bank for a replacement card. I received the replacement card, but there was confusion on the phone call regarding a replacemnt card that the bank sent on another account ( I thought the card was for the account in question -- it was not ). 

At any rate, the bank cancelled my account, claiming that I had requested the account be closed, and refused to issue me the rewards balance. I complained about this treatment in four subsequent calls to the bank. They continue to claim I asked to close the account. I did not. The phone call was recorded, but the bank refuses to let me listen to the recording with them. I am 100 % sure that an honest review of the phone call will reveal that I never asked to close the account! I view their false claims and taking of my contractually promised {$130.00} as fraud and theft.
NOTE : This complaint has been previously reported to the CFPB via case # XXXX. According to Supervisor XXXX XXXX - XXXX of the CFPB I am required to re-submit a " new '' complaint on the " new '' collection agency involved regarding this same initial fraudulent matter. <P/>Here 's what happened! On X/XX/16 a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this I contacted XXXX who investigated the same and verified that the contract employee had, in fact, fraudulently signed the aforesaid agreements in my name. XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services and I am still being billed for services and an early termination fee that I did not agree to receiving. Collection efforts are now being instituted against me by THE CBE GROUP, INC. - located at XXXX XXXX XXXX, XXXX, IA XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was totally familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she will be willing to verify this fact in writing if need be.
( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied snd these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info
I disputed account XXXX with Experian on XXXX/XXXX/XXXX. I received an update XXXX/XXXX/XXXX that the status of the account with remain the same. I also contacted the collection agency XXXX on or around XXXX/XXXX/XXXX to let them know that I am disputing this account and they told me they were going to conduct an investigation. I also filed a complaint with CFPB under XXXX that attached the bills from XXXX. Upon review of the bill, I noticed that they did not make the proper adjustments according to my disconnect request made on XXXX/XXXX/XXXX. XXXX billed me for XXXX XXXX thru XXXX XXXX because they failed to disconnect my service on XXXX/XXXX/XXXX. I then received a bill and XXXX told me they were going to adjust my account for the bill date XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, but they still did not credit my account. Since XXXX did not adjust my bill for XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, it caused my account to have a balance of {$270.00} that is now being report by XXXX. I called Experian letting them know that a failed adjustment cause the balance and investigation is still being conducted. I asked Experian how can I dispute this account and the rep told me by law they do not have to delete or supply anything related to credit report. I ask him ( Experian ) what I need to do, he told me to send/upload documents related to my dispute. I told him XXXX verbally told me they were going to adjust my account. He ( Experian ) said he can only re-dispute if I supply documents related to a verbal call I had with XXXX two years ago. I told Experian how can I support documentation of a verbal call from two years ago and why did the credit bureau did not question a collection items dated two years ago that is currently being reported by XXXX XX/XX/XXXX. This account is still under investigation with XXXX and XXXX. I believe the laws protect me from this negative reporting until the investigation is complete. I thought the collection item should be flag disputing until investigation is complete. At this moment, there is not flag and I can not re-dispute unless I upload a document, which I feel is totally unfair. At the end of the day, who is there to protect consumers from these type of issues. This is so unfair and it should be required for a service company to send an email and letter to consumer when they request to terminate service for future instances that are similar to this particular issue.
I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX XXXX.
On   XXXX   XXXX   my wallet got stolen out of my wallet on camera at  a Restaurant in    XXXX   XXXX  California. When I couldnt pay my bill cuz I had no wallet I immediately shut off all my cards and called the police as the bartender went into the back to review the security footage as she had remembered a suspicious man sitting next to me.. Police Report was filed , officer   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX  ) .On   XXXX   XXXX   the day after I turned off My prepaid California Child support  card wit h EPPICARD they allowed {$5400.00} in transactions to go through. When I realized this happened I immediately disputed the transactions as  Fraudulent  on   XXXX   XXXX  . Based on the disclosures and notices on EPPICARD i was to have been notified within  10 busi ness days if an error had occurred. I called EPPICARD on   XXXX   XXXX   to question what was going on with the investigation and was told I needed to mail a incident report that they had not yet sent me, SO I create d one, includ ed the police report etc and faxed and mailed a copy to EPPICARD and still today  18 business days after I reported the Fraud,28 B usiness days after I reported the card stolen I have still not heard anything from EPPICARD  XXXX  nor have they contacted the  officer in my case and they are still holding my money hostage ... and to add insult to the injury when I called again this am to follow up, was told they co uld hold my money " while they investigate '' for up to 90 days ... ...??!!!!??!!! Not only did their system not see that the transactions in question were completely out of character with how I use this child support card and not flag it and turn it off like ALL my other cards did but they have made no attempt in all this time to contact me nor assist me with resolving this situation. This EPPICARD prepaid  MC ser ves states who issue child support to mothers across the country who need their child support to live and feed their children and this is absolutely unacceptable handling issues that these special cardholders have.
I have made multiple attempts to voluntarily surrender the property. Instead of accepting my offer to voluntarily surrender, I was involuntarily signed up for a modification. Again, I attempted to follow the process for a short sale. Ditech has extended the process for more than six months by repeatedly asking for documentation that has already been submitted. During this time, the damage to my credit score continues to progress rapidly. At the time of the start of this short sale process, I had XXXX potential buyers ; however, the time limit for their offer has expired because of repeated request from the mortgage company for updated documentation.
Continuously call my place of employment despite the fact I have told them not to do so. Scheduled court when I was in the hospital getting XXXX. The debt has been paid
I didnt make this credit inquiries. This is affecting my credit scores. This is a mistake. Please investigate this and erase this from my credit report. I called all this companies and they didnt solve the problem INQUIRIES : 1. Cbna/sears Inquiry XXXX/XXXX/XXXX 2. XXXX  XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4.XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX
There are several incidents with Equifax and my dispute of incorrect information. I will start with XXXX public records listed on my report that should no longer be present. A year ago I contacted the courts and the courts informed me that they were not reporting to the agencies to contact rental agency. I did that and rental agency contacted credit agencies that the bills were paid before court. XXXX deleted from my file as requested from the rental agency. Equifax however, only updated as satisfied. Several attempts have been made by myself and the rental agency to have information deleted as it should have not been on my report in the first place. I am trying to make major changes and this is hindering me from moving forward. I can not qualify for a mortgage with this hanging over me. Although Satisfied status it is still considered negative. I would like to know what I need to do in this case. Also, they refuse to give method of verification for any investigation they do. It states in the Consumer Rights that I have a right to that information. This has been going on back and forth for a year now.
I 've received mixed messages from my lender, Mohela, concerning my loan balance : XXXX XXXX, XXXX : Received message from Mohela explaining my loans are paid in full. XXXX XXXX, 2017 : Received official paid-in-full letter. XXXX XXXX, 2017 : Current student loan interest statement now indicates my principal balance is {$17000.00}. <P/>If I owe $ XXXX, then why did I receive messages that I paid my loans in full?
Just got off the phone with XXXX, called to see if I could get on a extended payment plan as stated on the website of the CFSA and under facts and myths about payday lenders on the Check n Go website. I was told that EPPs are not offered in Ohio for online loans, so does this mean they do n't follow Ohio law? I have rolled this XXXX dollar loan over 7 times at a cost of XXXX dollars! When all is paid back I will have paid XXXX dollars for a XXXX dollar loan and they wont work with me at all, only if it goes into default which will cost me bank fees and additional fees with Check n Go. Now I know all will say why did you take loan out in first place? Well I am kinda stuck in a vicious cycle cant get out and I want to badly by doing the right thing and paying it back, just asking for someone to work with me.
The original loan for a new home purchase was through XXXX XXXX  who then sold off the loan to XXXX. My wife was qualified on her own for the mortgage initially and then her job and income changed dramatically due to unforeseen circumstances. Once we had trouble meeting the mortgage we contacted XXXX to explain the situation and the change in income. They offered us a forbearance plan for 3 months which we met the conditions and paid the required amount on time for the 90 day period. XXXX then said they wanted to work on a '' Loan Modification '' for us which started in XX/XX/XXXX. When I went to make the monthly mortgage payment we were blocked from paying through the website as we had done in the past. When I called them to make the payment I was told by them that no payment can be accepted during the Loan modification process. I again tried to pay n XX/XX/XXXX and was told again they could not accept. We just got a notice from them that the Loan modification was denied for the reason we did not respond in time. We responded immediately and on time to every request we had from them and have records and copies of everything showing we did. They have allowed a large debt to grow for failure to accept the payments we attempted to make every month. They are all over the internet for fraud and deceptive business practices and feel they are trying to set us up to take our home.
Yes I received a letter from check into the cash via postal Service. The letter alleges that I owe him a debt for a loan I took out. According to my knowledge and my records I have not taken out a loan with Check Into Cash since the late XX/XX/XXXX or early XX/XX/XXXX. The letter instructs me to get ahold of check into cash within 10 business days to pay in full a loan that I allegedly took out. If I don't get ahold of them within the 10 days they threatened lawsuit and garnishment of wages. The letter also alleges that they've tried to get ahold of me several times which is not true. What the letter does not say is the dollar amount of the debt and the date in which I took out the loan. I'm not sure what they constitute as reaching out to me on this matter. Because the only contact I've ever had with this company in recent years is to forward emails that I have received from them or someone on behalf of them stating that they are going to sue me because of a defaulted loan. In each case I was contacted by the company themselves and told that it was a scam. Outside of that check into cash has not reached out to me on any alleged debt that I owe them.