WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with Carfinance.com. Since the first payment XXXX I have paid an extra XXXX every month to go to Principle. Then in XXXX I started paying an extra XXXX to principle. Car finance will no longer send me a statement because I am paid too far ahead, I want a monthly statement so that I can track how they are applying the funds. 
I have to call them and they sent a statement but the statement is all messed up. sometimes, ( XX/XX/XXXX ), the whole {$610.00} was applied to principle, on XX/XX/XXXX {$170.00} was applied to interest, then the next month XX/XX/XXXX {$220.00} went to interest. The interest should go down if the principle is reduced. I can send you a statement if you would like to see it, my account # is XXXX if you want to contact them. 
Thank you, XXXX XXXX XXXX
I called XXXX and they said I didnt have an account with them I called XXXX and they transferred me to another company. I didnt have a XXXX account to start with
I had already filed the complaint against XXXX where this mortgage first began. My now ex-husband was to take responsibility of the payments of the home since he was still residing in it and he was to get the mortgage out of my name completely. I was informed that XXXX did a modification which they would not supply me paperwork showing I agreed to any changes. Then it was sold to Ocwen Loan Servicing. Again no one at Ocwen will supply the paperwork showing that anyone had the authority to make changes to the original mortgage without my consent.
XXXX signed up with XXXX XXXX changed mind on using they're services and spoke to loan company which informed me to notify school. Sent email and spoke to XXXX XXXX my program advisor. Never received bill or seen anything on credit stating that I owed assumed everything was handled as needed. Five years later receive a summons from lawyer XXXX XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representing MSW LLC on XX/XX/XXXX. My paper work shows that XXXX XXXX sold loan to XXXX XXXX on XX/XX/XXXX then XXXX sold loan to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX file Chapter XXXX on XX/XX/XXXX per XXXX  and is no longer in business. XXXX  Attorney General also filed a suit against XXXX XXXX. Statue of limitations has ran out in XXXX  where debt was establish. My work, job etc. are all affiliated with XXXX but MSW LLC has filed in XXXX haven't lived there over 12 years. I have seek legal advise to have case dismissed due to lack of jurisdiction but the lawyer has been trying to submit debt without having me appear in court. Last document was sent to me by lawyer on XX/XX/XXXX stated order for judgement. Upon consideration of the Plaintiff 's Motion for Judgement, together with good cause shown and upon the failure of the defendant to properly answer Plaintiff 's Interrogatories in this proceeding, it is therefore, this __ day of XXXX XXXX, by the District Court for XXXX County ordered, that the Plaintiff 's motion for judgement be and is hereby Granted and it is further ordered that judgment be and is herby entered in favor of the Plaintiff and against defendant in the principal amount of XXXX, plus pre-judgment interest in the amount of XXXX plus court costs and post-judgement interest at the legal rate. No signature of Judge on bottom or dates in space. Court date XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have a hard foreclosure date of XX/XX/XXXX and Caliber refuses to postpone the sale even though my agents have offered them a full payoff. The XXXX mortgage is with XXXX and they have verbally approved the amount, it takes a couple of weeks to generate the approval. 

XXXX told my agents that they will make more money by foreclosing and not paying a commission or payout to XXXX. IS THIS LEGAL THAT THEY CAN FORECLOSE ON ME EVEN WHEN OFFERED A FULL PAYOFF? I know there is no guarantee with a short sale, but when offered a full payoff does n't a bank have to allow the seller the chance to stay in his/her home? 

XXXX XXXX
I 've always had a continuously rising credit score as I have never missed paying a debt obligation on time. Shortly after I moved it was lowered XXXX. I received the information through XXXX and they use TransUnion. So I requested a free credit report from them and found no negative information. I phoned and then filed a so-called dispute online. It 's not really a dispute, I just want to know their reason for the XXXX cuts. Their reply was to simply send me a copy of my credit report with my questions in the Customer Statement area. That was my XXXX " free '' use of the online dispute medium. I then mailed them a letter detailing the issues I was concerned with. I will attach that letter and their reply. That they avoid answering any questions may be due to ineptitude or avoidance. I tend to think that my being retired and of a certain age, and that the cuts occurred immediately after I moved to a " low income '' neighborhood, activated a discriminatory algorithm. Hope my use of this agency serves to result in a meaningful reply from TransUnion.
My name is XXXX XXXX. My number is XXXX. My social number:XXXX. I applied american express platinum credit card back to XX/XX/XXXX. 
According to the offer terms : I will be given XXXX membership reward pts after spending XXXX dollars in the first 3 months. 
I did spend XXXX dollars within 90 days. Later on, I returned an item to XXXX and amex said this is not part of qualifying purchase. So I am not eligible to get the welcome bonus. 
According to the offer terms, the return items will be
On XXXX XXXX, 2016 I checked my credit on XXXX and had a total of XXXX hard inquires removed from my report. I checked my account again on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by FCRA Section 611. I have called Transunion at least once a week since then to try to get this issue resolved and have received no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been belligerent, some have even told me they know what happened but it 's basically too bad and that I should just file a complaint because they will not fix the issue.
XXXX XXXX XXXX has a " hard '' credit inquiry dated XX/XX/2016 still listed on my Transunion credit bureau report. 

According to the FCRA ( Fair Credit Reporting Act ), passed by Congress, all inquiries older than 2 years old on a consumer 's credit file, must be deleted by the credit bureau.

I have contacted both XXXX XXXX XXXX and Transunion credit bureau to have them remove this inquiry from my credit bureau credit report.
On XX/XX/2018. I did a money transfer through Moneygram, and was denied service by an error i received on their site. The site told me to contact a Moneygram help number tel : XXXX. The help representative assisted me by asking me questions then after i answer his questions I was told that Moneygram did not feel comfortable with making my transfer and then canceled my transaction. I was also told that the service will no longer be available for me and that they had already deleted my account on the site. I had also given Moneygram all my account details for verification including my name, date of birth etc. When i asked for a reason why my account had been deleted he told me he could not disclose the reason that my account was erased that it was in the policy of the company. I cant make another account on the site using my card that did the transaction. I was able to make a transaction via a Moneygram on site location. The only service that seems to be affected is their online transaction service. I have used Moneygram for about 2 years in the past and this is the first time i have ever encountered such a fierce action against my account associated with this case.
On XX/XX/XXXX, I filed a Notice of Voluntary Dismissal which was accepted by the court ( see attachment # 2 ).

Transunion refused to provide a response to three ( 3 ) Consumer Financial Protection Bureau ( CFPB ) previous complaints I forged against the credit reporting agency. In each response, Transunion cited " pending litigation '' as their reason for not providing a response ( attachment # 1 ). Although a copy of the Summons and Complaint was NEVER delivered to Transunion or its agent ; legally referred to as the " service of process. 

Considering all, I would like to understand the following : 1. How Transunion deemed it lawful to update the record of the account in question, as identified in the certified letters and in the complaint, although the account was pending litigation. In law, this action is considered spoliation. In a pending or legally foreseeable litigation, evidence must be preserved, not altered. I filed a complaint with the CPFB on XX/XX/XXXX and Transunion responded noting their inability to comment on the issue, citing pending litigation on XX/XX/XXXX ( attachment # 3 ). Conversely, between XX/XX/XXXX and XX/XX/XXXX, Transunion updated to the public record referred to as pending litigation issues XXXX attachments # 4 and # 5 ). If Transunion is unable to respond to a complaint made on the CPFB platform, how is it permissible for their agency to manipulate potential evidence? It should be noted, Transunion made no changes to this public record between XX/XX/XXXX and XX/XX/XXXX, although the public record has been verified as accurate since XX/XX/XXXX ( see attachment # 6. ) Under what law did Transunion determine spoliation was appropriate? 
2. On XX/XX/XXXX, Transunion verified a public record on my consumer credit profile as accurate ( attachment # 7. ) In their investigation results, they list the court as CALIFORNIA FED COURT -XXXX ( attachment # 7 ) ; no such court exist. Adding insult to injury, Transunion currently reports the court for the same account as " U.S. Bankruptcy Court '' through XXXX  ( see attachment # 8 ). How can Transunion report two different courts for the same account after performing a complete and thorough investigation? 
3. Indicated in Transunion 's investigation the " verified results section '' has a XX/XX/XXXX " Date Updated '' entry ( attachment # 7 ). If this account was verified as accurate in XX/XX/XXXX, the Date Update section should reflect a date of XX/XX/XXXX, not XX/XX/XXXX. Transunion failed to conduct a proper and through investigation. 
4. On XX/XX/XXXX's platform, Transunion 's " Liability '' section is blank, indicating I am still liable for some or all debts discharged in the petition ( attachment # 9 ). Again,  Transunion failed to conduct a complete and thorough investigation and is currently reporting inaccurate information to my consumer profile. The FCRA requires credit reporting agencies to report accurate, complete and verifiable information or it must be deleted. Transunion is in violation of the FCRA.
My car was n't impounded or abandoned. The day of XX/XX/2016 my car was totaled and the police officer told me that no body shop would take the car that I should have it towed to impound. So I had it towed to the XXXX XXXX XXXX impound at XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XX/XX/2016 I contacted Toyota customer service and reported the incident and the location of the car. I contact Toyota GAP and they told me the loss department would file for the GAP. I contacted the impound and they told me that since the Toyota is legal owner of the car and the car is totaled they going to contact the Toyota MTR Credit Corp at XXXX XXXX XXXX XXXX XXXX XXXX and try buy the car from them since is totaled and he said the will proved to Toyota by sending them picture of the car and the document the car is totaled. Late when I call the impound they said that the Toyota give them permission to buy the car from Toyota. I contacted toyotacustomer service and they transfer me to another department and he told me that the car was sold to the impound. That according to my GAP agreement ( does n't require insurance ) will pay off the car and what ever remaining balance is would be waived. Which is terms my lease and GAP agreement. She also asked for copy of the police report and I faxed and mailed a copy of it.
I have contacted the company and resolved the owed debt with promise that the item would be removed from my all XXXX credit reports and it is still reporting.
a ) Unable to get Wells Fargo letter to support XXXX claim so falling into foreclosure b ) Need help from Wells Fargo to stop foreclosure as no letter re 'a ' above supplied. 
c ) Need help/modification from Wells Fargo to stop continuous rises in interest rates, with more due.
I graduated from the XXXX of XXXX. When I graduated in XX/XX/2008 the housing the market crashed jobs were slim to none to come by. I did manage to find freelance work to make ends meet. I was struggling to pay my student loans. When XXXX XXXX sold to Navient the rates changed on my loans as high as 7.25 % variable rates. I called Navient and they agreed I could pay interest only payments at {$400.00} a month. I struggled for the past 12 years making these payments and yet my loan balance grew greater. 
I had to give up my apartment and move in with my sister. I had to stop my car insurance because of lack of money. I take the trolley to my various jobs. I 'm now paying {$100.00} a month for mandatory medical insurance or I will be penalized on my income tax. I set up payments plan with XXXX but stopped paying {$400.00} a month to Navient. I was starving. I have tired several times to set up a pay plan based on my income with Navient. No one will help me and they have now sent my loan to a collection agency. I tried to set up a plan with the collection agency they said I must pay {$850.00} a month. So it has come down to I must eat first and forced to pay the XXXX medical. This ca n't be XXXX that I was born and raised in.
XXXX XXXX called me, my daughter and my sister. Saying he needs to verify my home and employment address. So he can summon me for court and jail time. Then saying I have been notified. XXXX File # XXXX. He is very threatening and mean. He has no respect in his voice.
There was a collection placed on my credit report by a company called Diversified collections without notifying me of a potential debt. I did n't even get any letter in the mail and they admit it they do n't have any of my correct contact information. Also the orignal debt was for a XXXX service that was suppose to be canceled back in XXXX XXXX and XXXX kept billing me until XXXX XXXX after we had canceled the XXXX service due to our office building be closed down and being converted over to condos. All the tenants in the building were forced to move out XX/XX/XXXX and att tried to say we had service until XXXX XXXX and yet they have notes of us calling in to cancel the service and transfer it over to our new address. Diversified consultants broke the law by not notifying me of this debt or validating it at all. Please have them remove it. The XXXX dispute tracking number is XXXX
XXXX of 2018, I came into XXXX Toyota in XXXX XXXX, TX to look at a vehicle for my mother XXXX XXXX and I. I had a approved loan from my lender XXXX and I had requested the salesman and finance manager that I did not want to have my credit pulled. I come to find my credit was pulled by 5 creditors including TFS. I escalated to XXXX and was advised to dispute directly with the creditor. I also have a text message that states I had advised him to make sure no credit is pulled as I am on my way to the dealership and he complied. Please see attached for the complaint to XXXX.
I am an XXXX driver and had a skimmer device steal my XXXX Fuel Card information, resulting in 3 fraudulent charges. After almost 3 months, XXXX still refuses to investigate the disputed charges or credit me for them. 
When I got gas at a station on XX/XX/2017, it said my XXXX Fuel card transaction was declined, so I had to put it on my own visa card. The station was XXXX, CA. XXXX. However, the XXXX charge later did in fact go through to my account in the amount of {$51.00}. Then on XX/XX/2017 two more bogus charges appeared on my XXXX gas card in the amounts of {$47.00}, and {$140.00} for stations I never went to. Also a third bogus charge appeared on my personal visa card in the amount of {$95.00}. A fill up only costs me about {$50.00}. I suspect that a card skimmer device stole my information on both cards. 
I reported the {$95.00} fraudulent charge to XXXX who immediately reversed the charge, blocked the card, and issued a new one. I also reported the other two fraudulent charges to XXXX 's card processor, Regions Bank, via phone, who said they could not do anything and all fuel card matters must be handled directly by XXXX. So I reported it in the XXXX on XX/XX/2017 and received a message about 24 hours later saying an investigation would be concluded within 5 days. After 6 days I contacted them and was then advised of technical issues preventing them investigating the charges or allowing them to block the card. I was finally able to cancel the card myself about XX/XX/2017 by finding a cancellation button on the XXXX website. 
As of this date, the fraudulent charges are withheld from my wages and no investigation has been started. I have attempted to communicate several times with XXXX to resolve this, however, as of XX/XX/2017 they still have done nothing citing technical issues. I feel that they are just stalling me with excuses and wish to make me responsible for the fraudulent charges, in violation of regulation Z of the Fair Credit Billing Act, and possibly California Labor Laws, which prohibits employers from deducting such damages from employees ' wages.
I actually have quite a few complaints about Regional Finance. The biggest being that I do not receive a statement. When I spoke with the company about this issue, multiple employees including the supervisor acted as if they had no idea what a " statement '' was. XXXX employee even went so far as to say that they did not send " reminders '' to pay my account, but that they could give me a receipt of my payment if I came in to their office. The same office that was not the original location that I was assigned to. After about a month after the account was opened, my account was transferred to a different office without my knowledge. It was not until after I was considered " late '' on my first payment that they called me and informed me that my account had been transferred to a different office. I say " late '' because I never received a statement stating when my payment was due. After this conversation, I went to this other location to pay my account in house. Upon arriving at the office, I was informed that they could not accept any credit or debit card payments. Evidently, they only accept cash, check, or money order payments which I was never informed about before my XXXX XXXX XXXX to their office. I then left their office to find an ATM machine so I could pull out cash in order to make a payment. This company has also harassed both my husband, myself, and many of my family members. They start calling my husband, myself, and these family members if we miss our payment by XXXX day. They have even gone so far as to call before the payment was even due. They have also sent employees to my home to deliver notices that I need to make a payment. These notices do not include how much I need to pay. On XXXX instances, I was even at home when they arrived to deliver a notice, and tried to give the employee my payment. The employee told me that they were not authorized to receive any type of payment, they could only deliver a notice. XX/XX/XXXX I was told that they would have online/credit card services available the XXXX of XXXX. Then, I was told late XXXX. Then, I was told early XX/XX/XXXX. About a week ago I was told that employees were told online services should " hopefully '' be available at the end of this quarter, so XXXX. Getting to this office that my account was transferred to without my knowledge or consent is extremely difficult especially given the hours their office is open and the distance from my work. I work over an XXXX away from this office. Because of this very large distance, I have asked numerous times if I could pay at a different location to which I have to get approval from the office that my account is located at beforehand and then again when I arrive at the other office. I have never had to work so hard to pay a bill that I do not receive. While I receive a receipt for my payment when I pay in house, I have no idea when this horrendous ordeal will be over because I have no idea how much I owe ( balance ) or even the number of remaining payments.
I went to Best Buy to look at a new TV, and the salesman convinced me to sign up for the Best Buy Credit Card, which, if I bought a {$1200.00} TV, would be interest free for 24 months. I just found out that because I did n't pay the complete interest free balance before the 24 month date ( which why would I, it 's interest free! ) I got charged {$1000.00} in interest. Out of the blue. Put the card way over the limit, and embarrassed me IN THE BEST BUY where I was trying to purchase XXXX gifts. They are refusing to reverse the charges, saying the 'interest-free period ' was actually a 'deferred interest period '. None of which was explained in the store - had it been, I 'd of paid for the TV with cash or put it on another card. This is fraud, and it 's just plain wrong. Why offer this to consumers when it 's just a bait and switch? I feel betrayed and embarrassed. I never want to go back to Best Buy again.
My Experian report shows that the company XXXX claims that I owe them a debt. I have requested by certified mail multiple times that XXXX and Experian verify and validate this debt. Both have failed to provide documentation that proves I owe this debt. Experian will not provide me any documentation or information in accordance with the FCRA to prove that this debt should remain on my report. XXXX sent me a rental application that was filled out but not an actual lease agreement. A rental APPLICATION is NOT a lease agreement. It is an APPLICATION. Their paperwork does not prove that I owe this debt and Procollect did not provide me with proof within the 30 day time frame allotted by law. THIS DEBT HAS NOT BEEN REMOVED AND MUST BE REMOVED. Both Experian and XXXX have not complied with the FCRA and are in violation. I request this debt be removed from my Experian credit report as this negative remark has cost me money and prevented me from qualifying for credit. I feel that I am being bullied and discriminated against.