WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a vehicle through XXXXXXXX XXXX XXXX of XXXX ohio in XX/XX/XXXX. i purchased a XX/XX/XXXX XXXX XXXX priced marked at XXXX selling price. I got approved through credit acceptance for a XXXX loan. It is now 2 years later and they are stating i still owe over XXXX for a XXXX vehicle. They never provide me with billing statements even after i have requested them numerous times. They just send a printout of my payment history. it doesnt have any info on interest rates, late fees, or why they loan amount keeps going up even with payments being made. I just recently made a XXXX dollar payment and they are still saying my vehicle is up for repossession. i need answers as to what is going on. I can never get a straight answer from any rep I speak with. They all say look at your finance papereork. But if they are my finance company, shouldnt they be able to tell me that information? Please help me.
Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX and XXXX XXXX # XXXX.
Chase bank issued a fraudulent credit card in my name even though I had a XXXX fraud alert on my account. Chase Bank did not contact me using the phone number on the XXXX fraud alert. The fraudulent credit card was used to extract more than {$8000.00} of the account. 

I tried to resolve this, however Chase Bank is adamant that they do not need call the phone number on the XXXX fraud alert. I have had to spend a great deal of time correcting this problem ( including police report, letters, several phone calls XXXX. All of this could have been avoided. Chase bank does not seem to think XXXX Alerts are important. What is the point of having a fraud alert if the Chase bank does not take it seriously. 

The website for the Consumer Financial Protection Bureau ( CFPB ) with the law below. It states " If you provide a telephone number, the lender must call you ''. 

https : XXXX
In XXXX my bankruptcy was finalized through a federal court action. My student loans were private in nature, not guaranteed by the United States Department of Education. There is over {$1.00} XXXX in student loan debts that are guaranteed by the United States Department of Education, and by federal mandate these debts are not dischargeable by a personal bankruptcy. However, all privatized student loans can not be enforced without a direct state court action of my domicile. In the case of my original student loans, they were procured by XXXX, sold off into a securitized trust, and eventually they sold off the servicing of these loans to at least two collection agencies, disguised as servicers of federal guaranteed loans. My bankruptcy filing is 100 % legitimate, and the fact that there was no dispute presented on the filing is proof enough that the only action that could have been taken was by an action for summary judgment. The student loans discharged were against the current servicer at the time of filing in XXXX, that being XXXX XXXX XXXX, and since the discharged the loans were picked up for servicing by American Education Services. The latest collection agency is a private collection agency that must have federal oversight through the Federal Trade Commission. The current actions by the latest agency has done damage to my personal credit, even though they have no right to collect on a debt that was discharged by an action I took within a federal court. The current agency is nothing more than a subsidiary of XXXX XXXX XXXX, a scam practice whereas my rights can continue to be violated. Bankruptcy is protected by the United States Constitution, where every American citizen has a right to claim insolvency. My rights under the Fair Credit Reporting ct and the Fair and Accurate Credit Transactions Act are being violated. This collection practice must cease permanently, and any or all references to this past debt must be deleted from my pertinent credit reports immediately.
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Select Portfolio Services SPS has communicated and implied that it is not liability for For the unfavorable governance and excess property taxes escrowed for XXXX XXXX XXXX. 
SPS has implied that XXXX is the owner of the mortgage and that it is simply an agent of XXXX. 

XXXX XXXX XXXX CEO SPS, Director XXXX XXXX CFPB, XXXX XXXX Georgia Attorney General, XXXX XXXX XXXX County Clerk, XXXX SUMMARY : The sale of XXXX XXXX XXXX has been impaired since XXXX due to excess or uneconomic property taxes. 
RESPONSE : XXXX XXXX, XXXX SPS increased XXXX XXXX XXXX property tax escrow. This is consistent with the history of the property. Historically, SPS has failed to responded to market conditions and home owner communicate. 
SPS 's bilateral valuation of the property taxes has made the property impossible to sale and have contributed to the financial distress of the property and home owner. 
SPS is conflicted by benefiting from the earnings generated by investing escrow funds prior to payment The XXXX XXXX letter increases tax escrow by 20 % from approximately XXXX in XXXX to {$30000.00} for XXXX. This would be base on an excessive valuation estimated at {>= $1,000,000}. 
This increase occurred after SPS appraiser devaluated the property from {>= $1,000,000} to {$900000.00} for a short sale. This occurred after comparable homes in the market as close as next door sold for approximately {$85000.00}. 
XXXX XXXX XXXX XXXX XXXX {>= $1,000,000}
XXXX   XXXX ,    2017  On  XXXX   XXXX ,    2017  I mailed a letter to Experian requesting verification of  XXXX  accounts on my credit report. Based on  USPS  tracking records the letter was deliver via certified mail  XXXX   XXXX ,  2017  at  XXXX . In addition I have mailed a secound letter requesting the items be removed do to negligent noncompliance of the FCRA and for violating my consumer rights. Today is  XXXX   XXXX ,    2017  and I have no response from Experian. There are several documents included to support my complaint. I appreciate your intervention to ensure Experian upholds federal law from here forward in regards to my credit report.
I have been asking for months for Amex to provide me with validation of a closed account they show on my credit report. They state that this account was opened on XXXX XXXX XXXX and was closed on XXXX XXXX XXXX with a XXXX balance.
I have XXXX accounts with Bank of America. In order to prevent overdrafts in XX/XX/XXXX I opted out of payments of overdraft created by debit card charges and automatic payments and requested that if there were not sufficient funds the items were to be denied. The bank changed the setting in the account and when items without sufficient funds came in these were declined, however, the bank continued to charge {$35.00} per item since it indicated that declined items are subject to fees anyway. In addition, the bank would not indicate in the activity online what item was declined. Since the solution was worst that the problem I went back to opting in for overdrafts. Also, I was not notified of my right to opt in or out for payment of overdraft. That was the bank strategy to get me to opt in again. I believe that the bank actions might be in violation of applicable regulations and were established as a device to charge excessive overdrafts fees. As such the bank is incurring in unfair and deceptive practices. For this reason I request that the bank refunds all overdrafts fees charged to my accounts in XX/XX/XXXX and XX/XX/XXXX.
I sent a letter to Experian, stating that the listed items were not being filed accurately on my credit report. I stated that I needed them properly verified and they were not. I was also told in the response letter that they would not re-investigate. 

As a part of FCRA ( Fair Credit Reporting Act ) they did not provide me with information that was transmitted to the data furnisher. They did not inform me of who they spoke with, the date, how long was the conversation, what was their position, what number did they call, what was the name of the employee that spoke to the creditor, what was the position of the employee that spoke to the creditor. This inaccurate reporting has caused me emotional distress and hindered my job search.
I have written all three Credit Bureaus XXXX, XXXX and EQUIFAX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the XXXX year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly
The below disputed charge from XXXX was rebilled to mystatement. 
Can you please let me know why this disputed charge hasbeen rebilled again.
I am getting constant calls from a company calling themselves Bay Area Credit. I do not owe anyone money and refuse to answer their calls, yet they call several times/day.
Chase has failed hundreds of times to proof this account they are reporting on my XXXX  report belongs to me, further have they failed to prove that each transaction belongs to be. The reason is because it doesn't and it's causing me severe damage. This has been going on for more than 4 years. 
I already provided them a copy of my Identity Theft report and they refused to honor it although all other creditors honored it.
On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, Bank of America,XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a Bank of America researcher, case # XXXX. The researcher called me 3 days later and said there is nothing Bank of America can do because the check cleared. I told my maid and she called the manager at her XXXX XXXX Bank to relay this information. XXXX XXXX said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in Bank of America on XX/XX/XXXX and the XXXX XXXX XXXX letter saying my check returned unpaid [ bounced ]. My BoA account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from BoA. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}. I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY?
The Judgements were paid on XX/XX/XXXX in the full amount of {$1600.00} through the Courts of XXXX, MS . The Courts finally took the public records off of my account on XX/XX/XXXX. XXXX and XXXX  refuse to remove the collections off my account Case or ID # XXXX  Case or ID # XXXX
Bank of America is guilty of conducting XXXX without the authority to do so. In this instance, Bank of America has failed to properly execute and record any mortgage related document by associating the document with my private property and home. Specifically, only XXXX properly executed and recorded document has been associated with the assigned assessors ' property number ( APN ) of the subject property. Therefore, no default can be had or may be claimed on the recorded XX/XX/XXXX Deed of Trust. 

Just to be clear, neither Bank of America or XXXX ( XXXX ) hold the power of sale under the XX/XX/XXXX Deed of Trust in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( XXXX ) has been associated with and recorded as the XXXX is incorrect as it appears on these and other documents recorded since XX/XX/XXXX by Bank of America and their representatives, including the currently named trustee, XXXX. From this date forward, Bank of America and XXXX can no longer claim ignorance as to this fact. Any action from this point forward is fraudulent in nature and scope as well as evidence of a XXXX ( XXXX ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( XXXX XXXX. Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
Keep getting called for a debt I do not owe. I 've called them XXXX times to ask them to remove my number. They are asking for a person who I do not have contact with. They keep telling me they will remove my number but it has yet to happen.
Last year in XX/XX/2017, someone called me from the XXXX XXXX County Office ( XXXX ) and informed me that I have a warrant for my arrest. She told me to call ( XXXX ). I spoke to a woman who called herself Investigator XXXX from XXXX XXXX XXXX. She told me this was the District Attorneys Office in XXXX and it was regarding their client XXXX XXXX XXXX. In order for them to stop proceedings to have me served with court papers, I need to make payment arrangements with them that day. She had called on my cell phone while I was at work. Under duress, I gave XXXX XXXX  my credit card information. I asked for a receipt, which I was told, that she was to email me. That never happened ; I looked at my XXXX  statement and {$420.00} and the following month {$320.00} was withdrawal from XXXX XXXX ( aka NATIONAL MANAGEMENT RECOVERY CORP ). I have never heard of this company until they came on my statement. My oral conversation was with XXXX XXXX XXXX, and never XXXX XXXX. I had written a complaint before about this company. They replied and claimed my allegation was false. After reading some of the complaints from XXXX XXXX XXXX ( XXXX ) regarding National Management Recovery Corp, some of the complaints are similar to incident I had went through with them. I have never given my credit card information to XXXX XXXX, or National Management. I spoke to one person from XXXX XXXX XXXX   named Investigator XXXX that has a XXXX prefix. Since XXXX XXXX office is in XXXX XXXX Florida, and XXXX XXXX XXXX number was based in XXXX, how did I call XXXX XXXX ( National Management Recovery Corp ) from a XXXX  prefix when they are based in Florida? How did they get credit card information, and I have never spoken to anyone from their office? XXXX XXXX   claims they never utilize tactics I had mentioned, yet they have falsified, misrepresented themselves ( XXXX XXXX XXXX ) threaten me with a warrant ( Investigator XXXX  w/ XXXX XXXX XXXX ) unauthorized withdrawal from my debit card, and claim to be another company. I filed complaints with the XXXX in Florida ( Case # XXXX ) with the Attorney Generals office in Florida, and The Florida Office of Financial ( Case # XXXX ). I hope something can be done. They are scam artists and need to be stopped.
My home loan was transferred from XXXX XXXX XXXX to Carrington mortgage at the XX/XX/XXXX/XX/XX/XXXX. We were told we had a grace period to start paying on the loan with the new company. But thought better and made our payments on time. Never missing a payment. But Carrington started sending us threating statements about us being behind. They never got back with us when we sent in information that we were current on our mortgage. I went from having EXCELLENT credit to fair credit in months and it's not changing. Our mortgage gets paid every month on time. But when I just checked my credit report Carrington has us behind 30-59 days for the last 7 months!! We need help dealing with this company. I take pride in paying all our bills on time.
I have been trying to work with Bank of America since XXXX 2015 to sell my house. 
I am not able to pay for it. I have done everything they have asked of me. They have priced the home to high and rejected the only offer we received. I have had it sitting vacant since XXXX 2015. I have asked over and over to talk with people and help. They do not answer questions, and when someone calls they just say they are doing a check in and they cant assist me in that issue. I want to short sale or deed in Leui the home. But I am getting nothing but the run around. No help has been given.
Opposing counsel XXXX XXXX has responded to my consumer complaint with the same old shady lawyer tactic robo-spins, he will say and do anything to defend his troubles clients because that's his job. I have evidence that XXXX XXXX XXXX was NOT present before shady rubber stamper XXXX XXXX XXXX whos license has since been revoked by the commissioner during the time pretender XXXX XXXX XXXX executed and recorded the fraudulent assignment. In addition to that, I will provide the court with shocking evidence that the California XXXX XXXX will look at very closely.
My mortgage company XXXX XXXX no longer opens as XXXX instead https : XXXX, looks like a scam, no one seams to be aware that perhaps XXXX  no longer exists, I WANT TO MAKE MY payment on time and NO ONE is aware of this, yet when I manage to contact them XXXX they ask for my loan #, I gave it to them and they kept saying NO you do not have a loan with us, and next they ask for my SS. to that I did not accept, again it is a mess this looks like 2008 again and they purposely transfer you to the automated system, if you say the wrong thing this will place you on hold, yet if you want to buy or you pretend to be a buyer the answer is immediate, and the loop starts again .... 
On XX/XX/XXXX at XXXX I have tried again and again and no one knows what the XXXX is happening .... great XXXX XXXX Supervisor `` believed that the loan was purchased '', ... " we buy thousands and thousands of loan / portafolios '' stated the previous rep, Mr. XXXX stated that transferred to another " live licensed rep '' at the end of the call " sorry the representatives are gone for the day. ", Gentlemen, this really XXXX  looks like 2008 again, this is destroying AMERICA and is happening during you watch, I hope someone does something about it, I can not imaging man and woman in uniform dealing with all this red tape, when instead of returning to his families they have to spend days trying to " PAY ON TIME THEIR MORGAGES ''. but you can always call Mr. COOPER .... right? sorry I forgot since is so big SO BIG you can do nothing about it. 
Sad ..
Experian will not explain to me why my FICO credit score dropped. Their customer service representative, when called on X/XX/17, said they were unable to determine why my FICO credit score declined within the past 6 months because I did n't have an account with Experian. 

If Experian is going to determine the FICO credit score, which directly affects my ability to open new lines of credit, I would at least like to know the factors that go into determining that score.
The account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as XX/XX/XXXX. This account has been delinquent since XX/XX/XXXX. The account has never been brought current. 
Line Item : XXXX XXXX XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX XXXX XXXX FL XXXX I have disputed this information several times with the disputes department at XXXX and XXXX XXXX XXXX. The information will be corrected and then re-aged again. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from Bank of American ( original loan holder ) with the clear first date of Date of First Delinquency as XX/XX/XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XX/XX/XXXX ( XXXX behind in payments ), making it currently 8 years old. This account has continuously been sold and resold. Country Wide Home loan XXXX BOA XXXX XXXX XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.
Some use my credit cards without my permission and made charges. I agreed to pay what I charge and the company agreed to remove all negative information for my credit report.But after paying the accounts. The company didnt keep its agreement.