WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXXi called the Wells Fargo Dealer services who holds my auto loan to explain my hardship. I explained that i would have the payment in a few days. I was told that it was fine and they would make a note. On XX/XX/XXXX i was called by Wells Fargo Dealer services about my late payment due. I explained to the lady by the name of XXXX XXXX or something like that. I was told by XXXX XXXX that she was attempting to collect a debt, i responded that i was aware of this issue and i would have the payment in by the following Tuesday or Wednesday. She explained to me that they did not accept mail in payments, i responded to her that i did not say i was mailing in a payment. This was repeated about 4 times as if she didn't hear anything i said. Finally i thought we were finished after i told her when i received my direct deposit i would go online and make the payment on their website. We hung up the conversation. A few days later i checked my account to see if i had gotten my deposit and noticed that i was overdraft over {$500.00}. I called the bank and reported unauthorized debit. The bank took the complaint and refunded the over draft. I called Wells Fargo Dealer services about this and requested to speak to a supervisor about this criminal act. The supervisor listened to the recording and admitted that i never gave any permission for this action. He asked me what i wanted in the way of a solution. My response was to him that at this time i was so angry that i didn't think it wise to make any decision at this time. I explained to him that i felt violated and assaulted. He proceeded to apologize for this act. However it was of no use to me. After taking a few days to determine my what action i should take i received another call from them. I asked that they would please not call my cell anymore as i am still stressed over the first incident. They literally violated my privacy and much more. I made the payment which was {$490.00} the original due was {$460.00}, today XX/XX/XXXX, I got another call about the next payment and now they are charging {$460.00} plus another {$83.00} for being 13 days past due. Why are they charging more this time than before? I wish to file federal charges against them but i do not know how. Could someone help please.
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1  ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX  )
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, XXXX Credit Bureau, and Experian Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX, XXXX Credit Bureau, and Experian Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
A short time ago, I received a debt collection notice from Berlin-Wheeler about an unpaid amount to XXXX XXXX in XXXX Kansas. The notification was for a debt less than a month old. 
I therefore told them, in no uncertain terms, within the 30 day limit, to stop trying to collect. On XX/XX/XXXX, they sent a verification to the debt, pretending that I asked for it when I did not.
My loan has been put into forbearance under the behest of Navient. Multiple times Navient has denied me the ability to pay the loan according to my financial situations. Rather, Navient, has forced me into expensive forbearance programs which have run into arrears. I was put into default and have had to pay a 14 % fee to return the loan back into good-standing in order to just to apply for IBR. Why was this not available to me beforehand? Why has Navient been unable to counsel me into a better program. I was directed into a debt services company for Navient ( XXXX ). A 14 % fee has now increased the loan by $ XXXX which has now allowed me to enter into IBR only after this fee has been assessed. This is not right and is unethical.
I sent and served a RESPA Qualified Written Request ( " QWR '' ) /Debt Dispute Letter and a Cease & Desist Notice dated XXXX/XXXX/2015 to Nationstar Mortgage , LLC ( " Nationstar '' ), as purported loan servicer, and XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ), as Trustee for XXXX XXXX XXXX XXXX , Mortgage Pass-Through Certificates, XXXX XXXX ( hereinafter, the XXXX XXXX ) - a special purpose vehicle ( " SVP '' ) organized as a qualified special purpose entity ( " QSPE '' ) and formed as mortgage-backed securities trust ( " MBS trust '' ). This MBS trust, which was created under an operative securitization agreement called the Pooling and Servicing Agreement ( " PSA '' dated XXXX/XXXX/2015 ) in accordance with and governed by the trust laws of the State of XXXX, has an election and continuing qualification as a real estate mortgage investment conduit ( XXXX ) pursuant to the U.S. Internal Revenue Code ( IRS ) section 860. 

I copied the Consumer Financial Protection Bureau ( CFPB ) with said QWR/Debt Dispute letter, which was duly received by Nationstar on XXXX/XXXX/2015 ( referenced USPS Form XXXX No. XXXX XXXX XXXX XXXX XXXX ) and XXXX on XXXX/XXXX/2015 ( referenced USPS Form XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ). See attached QWR/Debt Dispute letter and Cease & Desist Notice dated XXXX/XXXX/2015, which provides in details and facts, with full specificity, why I dispute the debt and demand that Nationstar and XXXX to cease and desist its judicial foreclosure action against my subject home mortgage loan ( filed with the Superior Court of the State of XXXX, XXXX County under Case No. XXXX ). 

XXXX sent its response dated XXXX/XXXX/2015 ( also attached herewith ) which essentially just brushed aside my complaint and " passed the buck '' to Nationstar without addressing my demand for the validation of the loan that XXXX, as Trustee for the XXXX XXXX, claims it owns. XXXX just stated in its response that, " XXXX disagrees with your legal assertions and will not be producing the requested documents. " To date ( XXXX/XXXX/2015 ), in violation of the Real Estate Settlement Procedures Act ( RESPA ), codified as Section 2605 ( e ) of Title 12 of the United States Code, specifically under Section 1024.36 ( c ) of Regulation X of the Mortgage Servicing Act as amended by the CFPB pursuant to the Dodd-Frank Act, Nationstar failed to provide me within 5 business days with a response acknowledging receipt of my QWR/Debt Dispute letter. Also, pursuant to 1024.36 ( d ) ( ii ) ( 2 ) ( A ), Nationstar failed to provide me within 10 business days after receipt of said request and demand for information the identity of, and address or other relevant contact information for the true owner of my home mortgage loan. Finally, pursuant to 1024.36 ( d ) ( ii ) ( 2 ) ( B ), Nationstar did not also respond and provide all of the other information requested and on or before 30 business days. There was no letter whatsoever from Nationstar requesting for any extension of said deadlines. Nationstar just completely ignored my QWR/Debt Dispute letter.
I spoke with Credit Acceptance after remaining balance was due after total vehicle loss. They worked out a monthly payment plan to be paid until paid in full. Payments of {$250.00} have been made each month since the agreement and the company still reported my account as delinquent. They informed me it didnt matter that I had an agreement to pay monthly and have been making my payments on time every month, that its still considered delinquent and Im in default. I have made four payments of {$250.00} since XXXX of this year ( 2018 ) with no issues or reporting to the credit agency. I did call to discuss this matter as to why they reported me and they told me they have the right to report me even though we agreed on a payment arrangement because I have not paid them in full and I am not paying them interest no longer.
The XXXX XXXX XXXX XXXX is reporting a lien on my XXXX and Transunion credit reports. I went on the XXXX XXXX XXXX XXXX 's website and searched my last name to see if it was any information, there isnt.
I first became aware of the debt when applying for an apartment and as it 's reporting on my credit report it is affecting my ability to get a home
in XX/XX/XXXX i requested for my pay dates to be changed. XXXX asked for me to send over proof of my pay dates. i did that. i asked her if my payments could be every month, she said the only way she could do that is if i make a months payment. i made the {$500.00} dollar payment. ive paid the {$500.00} payment in XX/XX/XXXX and XX/XX/XXXX. now onXX/XX/XXXX they turned my car off XXXX stated that i needed to make a {$250.00} payment inorder for my car to be turned back on because XXXX was out of the office. i then asked to speak to a manager. she stated that she would turn my car on and that i needed to call back the next day to speak with XXXX, the person i initially made the agreement with. a verbal agreement is just as good as a written agreement. on XX/XX/XXXX they turned my car off so i called XXXX and tried to see what was going on. XXXX stated that she never agreed to anything like that, she also stated that i would have to make a " good faith '' payment of {$150.00} in order for them to extend the rest of the payment for the XX/XX/XXXX. she was very rude and wouldnt let me get a single word out. she just kept denying the agreement. and my car is off.
In XXXX 2016 our Citibank credit card number was stolen while vacationing in California. On XXXX XXXX, during online bill payment I discovered approximately {$2000.00} in fraudulent charges on my credit card account. That day I contacted Citibank and had them issue a new card number and reported all the fraudulent charges verbally by the date and location as the appeared on my statement. I was told XXXX to ten days and the charges would be removed. Since the initial contact with Citibank on XXXX XXXX, I have now called and spoken with representatives seven times - each time being asked to state all the fraudulent charges. As of late, today on XXXX XXXX I have called them the seventh time and went through the same drill. I 'm beginning to think they are telling me what I want to hear and ultimately these charges will not be removed, which of course will force me into legal action against Citibank. Anything you can do in this matter would be greatly appreciated. I should mention that XXXX of XXXX of the fraudulent charges were credited to my account due to my own initiative. My statement contained the vendors phone number which I was able to call in order to have my account credited.
I KEEP RECEIVING MANY CALLS ABOUT CREDIT CARD ISSUES OF WHICH ARE JUSTVERY ANNOYING!!!!!!!!!! THEY HAPPEN DAILY AND MANY TIMES MORE THAN ONCE A DAY!!!!!!!!!!!!!
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX to contactdesk, XXXXXXXXXXXX Good Afternoon, I have from time to used your site to obtain a credit report. Each time I would be asked to pay the {$14.00} for the report and would gladly do so for the information Recently, during a routine audit which recurred reviewing bank statements, I became aware of subscription billing to the service, which I was unaware of up until this point. I am, however, confident that you can resolve this for me and we can reach an amicable resolution within 14 days. Please do not hesitate to reach out to me within the 14 days I will allow. 




Not Authorized : XXXX renewals at $ XXXX= {$730.00} Already Resolved : XXXX renewals at $ XXXX= {$35.00} ( contacted bank who disputed and refunded already ) Authorized : 5 times requested XXXX bureau score at {$9.00} billed ( requesting no credit back as approved this transaction ) Total unauthorized amount : One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX = {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} Total amount claimed by me : {$560.00} ( I have saved every bank record as receipt of these charges ) My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Transunion login : XXXX Email Address : XXXXXXXXXXXX
I was contacted by Nations Recovery, trying to collect on a debt that they said was taken out with XXXX. The loan would have to be at least 15 years old, since XXXX closed their office in the town i live in at least 15 years ago. This debt has not been on my credit report for at least 5 years, which is when i started using the XXXX XXXX app. I don't have any documentation showing when the loan was taken out, and feel like it is outside the statute of limitations for Kentucky.
i have disputed this account on my credit report with experian XXXX XXXX XXXX acct # XXXX, experian did not do proper investigation and verified the account, i escalated my dispute XXXX, i have received a resolution that grants the account to be deleted as per XXXX who is servicing the XXXX tradeline, i want experian to delete this account immediately to enable me pursue my financial goal, i have attached a copy of the resolution letter
I received a letter from Northland Group in reference of XXXX, account number XXXX. A debit that Is not mine, I would like that Company to verify the debt with my signature, and the original date of the debit. But they sent a letter stating the debt was closed. I state the debit does not belong to me, they have ignored my letter, Please send me the original contract of the debit with my signature verifying the debt, and I am suspect of the date of the debit, it is a 2008 debit.
American Express filed a judgement against me. I settled the debt with them in XXXX 2015. They did n't release the judgement. I found out couple days ago that I still have the judgement against me when I am applying for a mortgage. I called them and asked them to expedite. They said it will take 6-8 weeks, there is no expedite process. I asked why did n't they release it 2 months ago. They said this is not an automatic process. I have to call them and ask them to release. Is this true? Why could they do so? I paid but they still hold the judgement against me unless I ask them to release? I already lost the house I want to buy.
A medical bill from XXXX XXXX was sent to collections that I was unaware of, never received. I discovered this because it went right on the my credit report. No attempt to collect the debt by either by either XXXX for this supposed amount owed or by collections. Spoke to XXXX on XXXX and was told it was n't there bill and referred me to XXXX billing. Spoke to them XXXX and was told that the bill was incorrect and would be taken off and I would receive a letter of confirmation. Spoke to collections on XXXX to make sure it was taken off and it was n't. Spoke to XXXX from XXXX billing on XXXX who told me the previous agent I spoke to was incorrect, that I owed a different amount listed on my credit report. I spoke to collections the same day and was told a completely different amount than what XXXX told me and what was listed on my credit report. I began to dispute the validity of the debt because of the different answers I had been receiving and was told I would by collections that a letter would be sent to me for proof of debt. This letter was never received. I now believe this is fraud. I may have received services on the supposed day of the debt but I believe this is false charge they tried to sneak in due to getting different answers from different people and failure to provide proof of debt.
We fell behind on our mortgage payment. When we tried to catch up they refused payments saying we owed more and more. They put a foreclosure sale date as XXXX XXXX 2016. We learned they obtained our loan illegally thru a computer system. We also have tried to get a Loan Modification, which we have never had. All we get in response is that we have sent in the correct paystubs, or not the correct proof of residency. Then they stop trying for that loan modification, and I had to resend all the paperwork. Which I did and we are still being put off, it takes 5 days for them to be able to tell me if I have the correct documents or not. They are trying to push this out so we have no choice but to lose our home. I can not get a single point of contact within the company. No emails or phone calls are ever sent out, for anything other than one saying my statement is ready. We are at a total loss as what to do, we are now thinking a bankruptcy might be the only thing to save us.
I graduate college. I moved to another address. Never got any kind of mail/email about a payment due. Months later XXXX missing payments showed up on my credit report from student loans. I had no way of knowing what and when was due. I later got the loans forbearance because of low income. These missing payments should not be on my credit report because I was not informed.
The payment history reporting to my XXXX credit report by Statewide Auto Sales is inaccurate. They are reporting over 20 late  payments ONLY to my XXXX credit report. I reached out to them to correct this matter and they informed me to dispute it with the bureaus. The bureaus are only reporting what they are being sent and they sent XXXX false information. They have never received a late payment from my account but reported to XXXX as they did.
I have no knowledge of this debt and would like it removed. Its reporting to my Credit Bureau is affecting me negatively.
Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from XXXX, XXXX/XXXX  ( XXXX ), Barclays, and XXXX.
I recently receive and letter from XXXX stating this debt was paid in full. Trident Asset Management, LLC is trying to collect on a paid debt. I want them to remove this from my credit file.
XXXX, Synchrony Bank, ( XXXX XXXX XXXX line ), took the class action settlement refund out of my account. They altered my credit line in order to regain the payment/ credit I received. Example Credit line was {$350.00}, posted credit for court settlement {$50.00}, then reduced the credit line to {$250.00}. Essentially taking it back the refund. Account in good standing, no missed payments, always on time etc. There seems to be no real good reason, from my standpoint, to reduce the credit line it has been the same for years with GEMoney bank the previous financial institution managing the credit service.
Paypal restricted my accts after i provided initial documents. Their now infringing on my privacy I 'm a XXXX and I use Paypal for my XXXX. Recently, XXXX decided to send payment via Paypal. Paypal restricted my account and I asked for me to provide documents to support this transaction. They requested, " Invoices, contracts, description of services, & tracking numbers " I provided all documents, accept a tracking number. I called and provide the representative in the merchant department an explanation with regards to not having a tracking number. I 'm a XXXX, I XXXX, therefore there is NO product to be delivered. The agent complied with me, I was told that a note would be made on my account and to expect a resolution within 24-48 hours. 
The documents were sent in on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX far past the time as stated on Paypal 's resolve time line, I was sent a email. In this email response I was told : " We have reviewed your account and unfortunately can not lift the limitation at this time. " Paypal now wants me to provide the following : * six months bank statements * contract copy of the Asset Purchase Agreement dated XXXX/XXXX/XXXX In the initial contract that I provide Paypal. It 's a contract between myself XXXX XXXX & XXXX. It states that " buyer shall pay to XXXX a XXXX % fee based upon all funds received from banks or other sources for the financing of the transaction ''. 

I do not get paid until my job is completed and the client is satisfied. 

Paypal is infringing on my privacy, their asking me " For copies of my contract between myself and my client, " Asking for Purchase Agreements between myself, the financing bank and the client that exist OUTSIDE of this disputed transaction " " asking for my additional bank accounts that have no connection with my paypal account. 

My clients have been forced to pay higher rates to process payments to me. 


This is an infringement on my privacy. These are predatory practices and they should be put to an end immediately. 


XXXX XXXX XXXX
I had two loans with Great Lakes, one XXXX Plus and one private. In 2013, the  co-signer of the private loan paid off their balance and I was left with a balance of {$9000.00}. Great Lakes wiped the {$9000.00} off my account and I was only left with the XXXX Plus loan. <P/>In XXXX, I applied for a consolidation loan of all my federal loans and chose GL as the provider. They added on the old {$9000.00} from the PRIVATE loan to my consolidation loans and did n't tell me. Repeated attempts to find out why they added {$9000.00} to my federal consolidation loans have gone unanswered. <P/>This is a criminal act and needs to be looked into.
I noticed th is PROCOLLECT INC collect ion account on my credit and thought it was like a medical bill then discover someone used my info get an apartment. I had outlines your assistance advice and followed every step. However, this company has not responded to me. I track everything, and they disregard.     I never lived or had an apartment where the police are stating