WillisBack/dataset-financial-user-claim huggingface dataset:
There is a collections on my credit report from CBA Collection bereau of America in the amount of {$290.00} reported XX/XX/2019. I wasn't me, my social security number was used by someone else. I have tried to contact them without any response.
WayPoint is in clear violation of the Fair Debt Collection Practices Act. Section 1692G ( a ). WayPoint has sent me a dunning letter on XX/XX/XXXX. I requested validation of debt on XX/XX/XXXX. As of XX/XX/XXXX, WayPoint did not provide validation of debt, but still to reported the debt to all three credit bureaus in attempt to damage my credit worthiness. 

I have attach the copy of the letter that was sent via U.S. mail.
West Lake has inquiries on my credit report several times that I know nothing about, I tried writing to have them remove this and I have not heard back anything from them, the dates of the inquires are XX/XX/XXXX listed 2 times, XX/XX/XXXX listed 2 times, trying to get this resolved I have no knowledge of this at all.
My public record is showing a bankruptcy on my credit that does n't belong to me, it was my ex-wife 's. It was disputed by XXXX and I sent a letter to XXXX disputing it as well and was removed almost 2 months ago. About 2-3 weeks later, it showed back up on all XXXX credit bureaus again after I had received confirmation that i had been deleted. Ditech Financial, the bankruptcy company, had it put back on, and They are n't even the ones who the bankruptcy was with initially with my ex wife.
I CAN NOT RESOLVE THE LAST FEW LATE PAYMENTS ON THE ACCOUNT. I HAD SOME MANY PROBLEMS WITH MY COMPUTER IN XX/XX/XXXX AND MY PAYMENTS WERE GETTING IN LATE AND THE SUGGESTION OF THE SUPERVISOR OF XXXX XXXX XXXX I HAD MADE A PAYMENT ON THEIR WEB SITE AND I WAS APPLIED LATE AND MY CAR WAS TOWED FOR THE LAST PAYMENT NOT RECIEVED OR RECIEVED LATE. THIS COMPANY HAS TREATED ME VERY POORLY, AND BULLIED ME INTO BELIEVEING I DESERVED TO HAVE MY CAR TOWED AND TO PAY THE TOWING COMPANY A FEE FOR A PAYMENT MADE BUT NOT POSTED IN TO THE ACCOUNT. THIS ERROR WAS ENTIRELY XXXX XXXX FAULT. 
ALL I WOULD LIKE IS TO HAVE THE LATE PAYMENTS REMOVED FROM MY HISTORY. 
I ALSO DONT KNOW WHY THEY WOULD UPDATE MY ACCOUNT IN XX/XX/XXXX AND XX/XX/XXXX, WHEN I HAVE HAD NO PAYMENT OBLIGATION TO XXXX XXXX, AT THIS RATE I WILL NEVER GET RID OF THIS BAGERING COMPANY FROM MY CREDIT REPORTS. 
PLEASE HELP ME IN REMOVING ALL THIS HISTORY FROM THIS COMPANY ... THIS IS MY RIGHT AS A CONSUMER, I HAVE HAD NO FURTHER BUSINESS WITH THIS COMPANY AND THEY STILL HAVE ACCESS TO DESTROY MY CREDIT ...
I applied with this company for a refi and the appraisal process took very long because their XXXX made major mistakes. I initially received a commitment letter with just a couple of conditions which I was fine with sending. After the appraisal issue was resolved and I agreed to pay down the mortgage to meet their requirements I received another request for information that I couldn't provide without sending information I knew would not be accurate. There was no exchange or any additional documentation I gave them after the original request but they required information beyond the initial approval. Then they told me I would have to pay thousands in rate extension fees. I specifically told the originator NOT to extend my rate because rates had gone down. I wanted to let the rate expire and relock, not at the lower rate now available but at the same rate without the thousands in fees. I was told I could either pay the fees or my loan would be terminated. I simply asked they release the appraisal I had payed for to go to a different lender to avoid the fees or honor our original agreement and I would close at the higher rate. They refused both. I have been a XXXX for 23 years and have never seen this policy. It became evident it was a some type of " bait and switch '' based on a rate they never intended to honor. This is clearly a company praying on consumers who really know no better than to be baited in by their iitail quote but then pay the fees they require or they will terminate the process. I simply asked to have them release the appraisal and I would move on but they refused. Companies like this are a detriment to our industry and cause consumers harm. How many people agree to pay their additional fees that are not disclosed because they do not have the knowledge I do with my industry experience. If they simply allowed me to take my appraisal to another lender or honor the current higher than market rate I would have moved forward. In my opinion these internet based companies are a detriment to honest lending.
Truck loan through Santander ... Truck should have been paied of they came and took the tuck and sent us a letter stating that the truck auctioned off for XXXX $ and we were responsible for the rest I have asked for a copy of the sales receipt and they have refused to provide me with one ... ... so they really sols a XXXX Fully loaded jeep commander for XXXX XXXX ..I do n't think so
On XXXX XXXX, I discovered that my savings account was levied due to a judgment against my husband. 
The collection agency, Apothaker and Associates, has withdrawn funds from my husband 's account several times. The last withdrawal was XXXX XXXX in the amount of {$1600.00}. 
I contacted the agency to alert them of my complaint and they stated that a cease and desist was ordered on the account so they could not discuss any information.
I accidently forgot to transfer the money I was saving for rent out of my savings and into my checking. For this I was charged an overdraft fee. Today, I see the check is bounced and the fee was refunded. However, now I have another {$35.00} for the bounced check even though the representative on the phone told me the check would by deposited again in XXXX business days at which point it will not bounce because I have made the transfer. The bank refuses to reverse the {$35.00} fee despite my financial distress because of activity on my account that occurred XXXX-months ago. I have been in financial trouble for some time and have paid plenty of fees but in this case, the fee is the only reason why my account will be over drafted {$20.00} in XXXX business days when the check is deposited again.
on XXXX XXXX, 2017, my bank charged me twice for NSF charge when clearly the first payment of {$65.00} to XXXX XXXX posted before my rent check. They also gave no notice that there was a pending NSF charge at all on the day of the transactions which would have allowed me to make a cash deposit and avoid both charges.
My friend and co-worker XXXX XXXX, asked me to co-sign for a car loan. After agreeing to co-sign and providing him my personal information, he advised the loan was denied. Later I saw him driving a car which he then said was purchased by my self and his brother as his co-signers. I had never signed any papers and when I told him that he just brushed it off. 3 weeks ago I received a call from XXXX XXXX XXXX who introduced herself as My co-workers friend who was also on this loan and whom also never signed any papers. She was able to obtain a copy of the bill of sale and it appears that she is the primary and I am the secondary. XXXX XXXX is not on the loan. The signatures on the loan are not ours. A police report ( XXXX ) was filed. We spoke to XXXX XXXX, the GM at XXXX XXXX where the purchase was made as well as Ally Financial who owns the lean. We do not know where XXXX XXXX or the car is. The last conversation we had with him by phone in early XXXX 2017, he said he would turn in the car. That never happened.
The Facts : 1 ) Regarding debt NCAC i.e. XXXX XXXX paid XXXX/XXXX/2015 in the amount of {$370.00} 2 ) Request for item to be removed from wife 's file was successful. Received confirmation letter from XXXX. 

The Issue now : per XXXX - NCAC must do request process for husband for item to be removed from his file. 

Requesting NCAC submit request to remove item from husband 's file. 

Thanks,
Equifax has been non-compliant with removing the unverified account Bankruptcy   which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I do n't know anything about the charges to my credit some one took out a mortgage in my name
BLITT and GAINES, P.C, in XXXX Illinois is trying to collect on a debt that was under XXXX XXXX XXXX or XXXX XXXX XXXX XXXX This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact BLITT and GAINES but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY XXXX XXXX XXXX was informed of my bankruptcy by my attorney and / or representative
The credit bureau is allowing inaccurate information of this account to be reported. The name of the company is MRS BPO, L.L.C and the creditor is XXXX XXXX they have recently added this account on my report with XXXX with a re aged date of XXXX/XXXX/2016 for {$310.00}.
I signed an auto lease with US Bank in XX/XX/XXXX. The lease term was for 36 months and ended at the end of XX/XX/XXXX. I returned the vehicle to the dealership where the vehicle was originally leased [ within the 10-day grace period ] on XX/XX/XXXX. 

The car was deemed a " lemon '' by XXXX XXXX ( manufacturer ) and the company agreed to repurchase the vehicle and payoff the amount owed to US Bank. The repurchase process began in XX/XX/XXXX and was resolved in XX/XX/XXXX. 

XXXX XXXX as well as myself were in constant contact with US Bank throughout the repurchase process ( correspondence attached ). US Bank informed me that I would not be responsible for any late payments or negative credit reporting throughout this process. In fact, US Bank credited late payment charges back to my account. 

I tried unsuccessfully for more than 8 months to have the negative reporting removed from my credit accounts to no avail. I disputed the late payment reporting with US Bank as well as all three credit bureaus. I have received letters from the car dealership confirming their receipt of the vehicle in an effort to resolve this issue. I was charged late fees by US Bank for a period [ XX/XX/XXXX - XX/XX/XXXX ] when I wasn't in possession of the vehicle.
Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX. ALL OTHER NEED TO BE DELETED
In XXXX XXXX we took out a 15 year mortgage of $ XXXXXXXX4.875 % annual interest rate. The lender bank was XXXX sold and the current lender is PNC Mortgage. 

180 monthly payments were {$2900.00} plus current local realty taxes of {$670.00} = $ XXXX/month. We have a current principal balance of approximately {$120000.00}. BUT we missed XXXX payment in XXXX XXXX. Ever since, PNC has assessed us a late charge of {$140.00} each month. PNC is demanding a total of {$8100.00} ( {$7300.00} for XXXX monthly payments and {$660.00} late charges. [ I know this does not add up ] ) before we can put our mortgage on an even keel. 

PNC refuses to consider extending the term by XXXX month to XXXX XXXX, which makes is impossible for us to catch up. 

Is the CFPB able to help us?
I have a first mortgage with Primary Capital Mortgage and a second mortgage with XXXX. Primary Capital agreed to do a short sale on my house after I submitted my hardship paperwork to them. I have a sale and purchase agreement on my house and the amount of money the people are offering will pay off the first mortgage completely. Primary Capital told me that I should just seek out a short sale with my second mortgage company, XXXX, so I 've submitted my hardship package to them and they are in the process of looking that paperwork over. Now, Primary Capital has hired a law firm called XXXX, XXXX and XXXX, XXXX to conduct a non-judicial foreclosure scheduled for XXXX XXXX, 2016. I just received this paperwork last week. I 've put pressure on XXXX to please hurry with the short sale so I do n't have to go through the foreclosure with Primary Capital. XXXX has a timeline that they say they must follow. They do n't want to be pushed. I 've asked Primary Capital to please delay the foreclosure to XXXX XXXX, 2016 so that XXXX has more time to finish what they must do to allow the short sale to take place. Primary Capital says they wo n't delay the foreclosure. Primary Capital has asked me to call XXXX, XXXX and XXXX, XXXX to ask them if they 'll delay the foreclosure. I believe this is wrong since it was Primary Capital to hire the XXXX law firm in the first place. My realtor is XXXX XXXX of XXXX. XXXX XXXX 's short sale law firm is called XXXX XXXX XXXX XXXX. XXXX XXXX, from XXXX XXXX law group is the short sale specialisth who has been working with me. XXXX XXXX XXXX is my representative. I feel like Primary Capital is being unreasonable because they know they 'll get their money since the people who want to buy my house are offering more than the amount they require. I am desperate for help because I do not want to go through foreclosure at all. Primary Capital is n't doing what the government says the lenders should do to provide foreclosure alternatives to us homeowners. All I want is to delay foreclosure another month, to XXXX XXXX, 2016 in order to give XXXX Bank the time they need to process the short sale on my house.
Sunset Finance, XXXX XXXX XXXX XXXX # XXXX, XXXX, SC XXXX mailed a live check in the amount of {$1000.00}. 
The " Pay To ... '' is XXXX XXXX, an ill and elderly family member. He is in his late XXXX. 

It is drawn on XXXX XXXX XXXX with check # XXXX. Dated XX/XX/2019. Expiration Date is XX/XX/2019. 

Mr. XXXX ( XXXX ) could owe this money if some low life picked it from the trash or street side. At minimum, these mail outs expose personal information, dangerous in the hands of the wrong people. 

The finance charge is {$280.00}. It is a 48.82 % interest rate. Given Sunset checked his credit reports, his age and responsible credit history is obvious. It is also significant he has only done business with mainstream financial institutions. 

Mr. XXXX did not initiate any contact or transaction. 

Sunset has targeted our area and it needs to be reigned in. 

Zip code XXXX has some older, still nice neighborhoods and many low-income XXXX and XXXX young groups. We also have a young, vulnerable college age group within this zip. 

I called CFPB today to opt out as a preventive measure. 

I am hoping CFPB can help reign in such irresponsible targeting of our neighborhoods in the XXXX zip code.
On XX/XX/XXXX I toched base with XXXX from XXXX to discuss what considerations goes into determining my final interest rate on my new vehicle loan after having my other trade deadline deleted because of the issues I was having with my prior vehicle. After explaining what had happened it was brought to my attention that my credit score went down in the span of 6 plus months which is not unheard of and can take some responsibility for that of course but as a company trying to take care of its paying customer is where they are lacking severely. I'm being punished because of my lack of knowledge of lending so if you are looking at it from my prospective because of my lack of knowledge of how lending works and their unwillingness to help me get out of my vehicle at the time I had to try other avenues to try to get out of set vehicle with out hurting my credit which is my whole goal in the first place and after they offered me to buy my earlier vehicle back steps I had taken before actually hurt me. SO from my point of view they bought a vehicle back that should have never been sold to anyone in the general public and made out yet again because of mistakes I had taken not knowing any better they are now making over {$500.00} over the life of the loan when I had actually financed {$100.00} less then my prior vehicle. In the past 6 months to a year I have accomplished nothing but heartache and credit going down because of the miscommunication between both me and XXXX/XXXX. How is any of this far. I have on record them stating the reimbursement check they sent to me promised to be to me at a certain time wasn't to deliberately make me slip up and make a late payment which I haven't. The lack of help I have been given this far is amazing they are still able to do business but like other responses on record they are covered by letter of the law or so it seems. I know the CFPB cant act as a governing body but should be able to set something right. I plead with You I have done everything correctly and can admit my faults in my case. I haven't done anything to cause harm or ill will towards XXXX/XXXX but seems like I have too because the system is broken. Alot of consumers are unaware of the CFPB and am surprised I am still having to summit complaints about company that has been fined by you in the past for doing the same questionable business decisions. What am I to do? I have 145 bi weekly payments to make to them make it living XXXX like it has been for me this past 6 plus months. I would stopped filing complaints if they just did one thing they had promised me they would do which at this point they have failed horribly. For Example : When I was offered reimbursement check and was lied to about its actual arrival time. Do you now how it feels to be a grown adult and being assumed and treated like Im less than nothing? Can you put price on that? An eye for an eye!!! Treat me like kid I'll act like one.
Planet Home Lending purchased my loan and send me a letter saying we do not have insurance but we do. I try to call the number they listed to give them the information and the number never works XXXX, I call their main customer service number and they can not get a hold of their insurance department either. They say they will call back but never do. I am entitled to equal servicing of my loan and I am not getting that service. They now sent a letter with force place fire on my home at a very high rate. Please help, no one at PlanetHome Lending can get me in touch with their insurance department and now I ha
i tried to fix this with the bank and now for the second time they keep reporting wrong information to XXXX credit report. this mortgage went to foreclosed in XX/XX/XXXX and it was removed from my credit inXX/XX/XXXX. why is the bank still reporting this mortgage under my name. i went to puerto rico in XX/XX/XXXX and they were other people living in this house. this bank is a fraud and has a good reputation of doing dirty management like this. please help.
Receiving automated phone calls from ( XXXX ) XXXX and other numbers. Leaves a message but does not identify this as a debt collector. They also are imposing artificial deadlines by saying " we must hear back from you today '' or " this is a time sensitive matter ''.
Citizens bank is reporting my loan XXXX days past due but my next payment due on their website is XXXX/XXXX/XXXX. My payments are current.
XXXX, XXXX XXXX XXXX is a 3rd party agency along with another agency EOS CCA a debt collector and is been sending me notices for a debt in the amount of {$1000.00} I have requested a contract with signature that I have account with XXXX XXXX XXXX AND EOS CCA DEBT COLLECTOR.. i have yet to receive contract with signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX EOS CCA XXXX XXXX XXXX XXXX MA XXXX
I just received a call from XXXX, a man named XXXX XXXX who informed me that I would get legal action put against me from a US Bank credit card account from XXXX. The statute of limitations is not only up on this account, but I paid it in full through a collection agency called XXXX XXXX in XXXX which has now closed, but record has me paying off my account. The File number is XXXX. I have a letter saying I have paid that account in full. This is also shown as paid in full on my credit report. Please folllow-up with me on this issue. Thank you!
Due to the recent hack of Equifax and release of personal information, including my own according to the Equifax website, I run the risk of identity theft. I have protected myself as much as I can since the news of this hack was announced.
On XX/XX/2015 my wife and I were alerted by a Chase alert that we had a very low balance in our checking account. On calling back, a Chase representativeinformed us that Chase had already advanced us money to pay off these checks. The account was frozen. On going to a Chase branch on XXXX XXXX, 2015 we reviewed our account with the rep and noticed, besides the XXXX checks where someone fraudulently signed my name to people I do not know, a telephone transfer was made on XXXX XXXX which removed the money from the savings account and transferred the funds to our checking account. Neither my wife nor I authorized the transfer nor were we aware that the transfer occurred. The rep investigated further and found that the only information provided, which allowed the transfer to occur, were the routing and checking account numbers and our names. We are submitting this claim against Chase for allowing XXXX fraudulent checks to be cashed and a telephone transfer to occur without asking any security questions which my wife and I could have answered and the thief or thieves could not. We feel that if Chase had been more vigilant, and asked the right security questions, this fraud would never happened.
In  XXXX    XXXX   my loans were transferred to Fe d Loan Servicing. At t hat time, I was already approved for a revised pay as you earn for  XXXX  through  XXXX . Fed  Loan Servicing did n ot transfer over my paper work and placed me on a traditional repayment schedule. I have called them 5 times to resolve this issue and give them the correct paper work to show them I was already approved for  XXXX . I have also already made a payment for the  XXXX    XXXX   payment cycle, as a revised pay as you earn candidate.     Fed  Loan Servicing is no w telling me in order to remedy the situation my account will go delinquent for 90 days until they can get an override to make sure that my account goes back to revised pay as you earn and have that payment count towards the  XXXX    XXXX   payment.     My account ( and credit most importan tly ) should n ot be penalized for a mistake they made. Additionally, I already made the qualifying payment of  XXXX , therefore I should not be penalized against my PSLF program.     Fed loan has mishandled this situation, is negligent, has caused me severe emotional distress and this is my first, but not my last, recourse of action.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.