WillisBack/dataset-financial-user-claim huggingface dataset:
I had a credit card account with XXXX card services in XXXX. I defaulted on the credit card in XXXX. The collection agency Midland Funding continues to report this negatively on my credit report. I have filed a report with the agency and Midland that this is an old debt as there has been no activity since XXXX. Midland continues to report with activity since XXXX which is incorrect. There was no activity on this account in XXXX. The last activity was with original creditor XXXX in XXXX. This account and activity is over 7 years old. It should not continue to be on my account with XXXX and XXXX. I have filed an error report with XXXX but they continue to report this old account based on incorrect information provided by Midland.
In XX/XX/2018, I notified Carvant Financial to cease telephone contact with me due to excessive calling and verbal threats of repossession. I have photo 's in my phone from Carvant Financial excessive calls. Their calls have been back to back and multiple times per day. I spoke with the account manager XXXX and advised him of the harassment and verbally requested the company stop all communication. I continue to review calls, text and voicemail 's from this company. I have records of expamples of the calls made : XX/XX/2018 calls from XXXX at XXXX est, XXXX XXXX est and XXXX est. This is a direct violation of the FDCPA and TCPA policies. Also dated XX/XX/2018 they called and left consecutive messages at XXXX XXXX est and XXXX est.
I am submitting a complaint regarding Santander Consumer USA and their predatory business practices. 

On a used car purchase in XX/XX/XXXX of a XXXX XXXX XXXX -- the car was sold and valued at approx. {$16000.00}. 

After 4 and 1/2 years of payments on the same car the payoff I was just given is {$11000.00}. 

Furthermore, the vehicle has not been operational for almost 2 months this year due to the failure and required repair of : - Replace the transmission ( @ cost of {$3000.00} ) - Replace the Rack & Pinion ( @ cost of {$750.00} ) - Replace the Radiator along with sensors and other related parts ( @ cost of {$530.00} ) Also, the cost of having to rent another vehicle while the XXXX has not been operational is another related expense that has approach {$400.00} so far in XXXX. 

While I understand Santander should have the ability to make a profit, in this loan they have exceeded being a practitioner of good business to an organization that preys on the financially poor or disadvantaged. 

I asked the Santander representative, given that my credit score is 150 - 200 points higher now than it was at the start of this loan, if I could receive a more reasonable interest rate. 

I was told " No ''. 

Santander has a 4 1/2 track record with me at this time, and despite my challenges over this time as a single parent with XXXX teenagers, they know by now I make good on my debts. 

I must have a car to drive to earn a living. 

The car I have now is having to many repair and loss of use expenses that it is affecting my ability to make payments. 

If I go to do a trade-in, I am so upside down with the unfair terms of the loan that I am without an option. 

I thank you and any executive with Santander for your advice on how we can address this situation in a more fair and reasonable fashion. 

Sincerely, ( Name not included as per website instructions )
In XXXX of XXXX I signed for an auto loan with Wells Fargo Auto Finance. In XXXX of XXXX I moved from the address they had on file with me but the car stayed with my wife at the old address. On XXXX XXXX XXXX I mailed Wells Fargo a change of address letter. I never started receiving bills at my new address so on XXXX XXXX XXXX I sent another change of address letter but again nothing was changed. In XXXX of XXXX Wells Fargo transferred this account to Wells Fargo Dealer Services. The last payment on the account was in XXXX of XXXX. At this point the title was then mailed to the old address so I never received it. In XXXX I had to call WFDS and ask them to send me a title to my new address so I could see the car. They would n't send me a title, just a release of lien so I could go down to the tax office and get a new title. Because they never changed my address and billed to the correct XXXX I had several late payments with them that are still adversely affecting me today. I would like these late payments removed.
OnXX/XX/XXXX2015, I took out three phones from XXXX with a family plan. A week later, I returned all three phones on the store, located at XXXX, XXXX County, Florida because the phone connections do not meet our expectations. Since I returned my phones to XXXX because the expected signals did not meet our family expectations, and I paid the appropriate fees for that transaction, and I am not obligated to pay anything to this company. However, XXXX has tried to collect a debt of {$830.00} with different collection companies. They have hurt my credit inappropriately and despite my phone is placed in " Do not call list '' they are continuing calling me looking for the " supposed '' debt. Despite, I have sent several letters requesting a Video recorded analysis in the store in which the supposed transaction was done, they have omitted this fact and they just send me bills with no signatures with my name at the top. Please, investigate this complaint and have them to remove it record from my credit report. Thanks
In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an Auto loan with XXXX XXXX in XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on XX/XX/XXXX but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was XX/XX/XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.
On XX/XX/XXXX I used a service call JPay to send my brother, an XXXX  in a XXXX XXXX {$97.00}. I decided to use this service because I had previously used it in the past to send a XXXX  XXXX money which was successful. While on their website I had seen where they started " You can now send money to you loved ones in XXXX XXXX. '' So I continued, I put in his ID number in which it pulled him up so I continued on with the transaction, in which it stated it was successfully sent. 

I got a call on XX/XX/XXXX from my brother saying he never received the money and that I should try to call them. So my first attempt at settling this issue was on XX/XX/2019 a lady i had spoke with told me to call the XXXX  that sometimes they will hold the money. So I called the XXXX  and spoke to a Male who proceeded to tell me that he has never heard of JPay and they only use XXXX XXXX or XXXX XXXX to receive money. 

I called JPay back the same day and told them what the XXXX  said to me, the lady at JPay put me on hold for what seemed like a very long time then she came back and told me that she knows what happened, that it had something to do with his ID number on their end and that she was going to put in a ticket and I would hear back from a manager by XX/XX/2019. XX/XX/XXXX came around I had not received a call back so I called them again. This time I asked to speak directly to a manager in which they never produced a manager. I was told they could not find their manager at the moment. They put in another ticket for me to be called back. I called 2 more times on XX/XX/XXXX after I still had not received a call back from anyone regarding this matter. This time I was frustrated and I demanded to speak with a manager, the lady put me on hold, in which I assumed she was connecting me to a manager. When she came back on she told me that it will take 5-7 days for a ticket to go through. I waited until XX/XX/2019 to call them back. This time I was angry I wanted to speak with to a manager. I wanted my money back. This time I was treated very rudely and hung up on. I never got to speak to a manager and this issue has not been resolved. My brother never received thse money and my account has not been credited back the funds.
I am writing because the servicer Ocwen continues to violate my rights. I previously filed a complaint with the Bureau of Consumer Financial Protection regarding this issue. 
Ocwen in response to my complaint adjourned the Auction sale date to XXXX XXXX, 2015 pending the out come of their decision on my modification package, only to later inform me that the investor does not allow modifications. 
I then was told to send in another package for a short sale only by XXXX XXXX, 2015, which I did. Once the package was received I was then told that it was to late. 
Moreover, I was informed that my mortgage was being transferred to XXXX loan servicing on XXXX XXXX, 2015. 
Moreover, Ocwen has refused to send me proof of debt or copies of original loan documents. I have been discussing the transaction with someone and I ca n't recall signing any loan docs prohibiting me from modifying my loan. 
I am challenging this debt because as a whole I believe this debt is a fraudulent loan.
I lost my job at the end of XXXX and fell behind on my mortgage in XXXX. I applied with the XXXX Home Saver program ( Hardest Hit Fund ), Bank of America did not offer this to me nor any other solutions to the issue I was facing. After completing my application with XXXX XXXX XXXX. I waited for BOA to approve the program. However, Bank of America did not, they had an error that was made on loan documents that were signed in XXXX and told me they would not give the approval to enter the Home Saver program until I signed a new Modification of Deed of Trust, they mailed the MOD to me and it was back dated before the date I signed the original modification. They offered me {$500.00} to sign the document and said they would not stop the foreclosure process or even review my file for Hardest hit or any program until I signed it. So I signed it and returned, I do not feel comfortable with the practice of mailing me a deed that is dated from XXXX with the dates changed and another section added to the deed. I feel they should have done a Correction deed and not backdated one. Also they went ahead an proceeded with the foreclosure process and had already started advertising my home and the sale date. As of last night XXXX XXXX XXXX had called BOA and they said they would stop the sale which is supposed to occur today at XXXX, until they review my file for a foreclosure prevention option. There is some funny business going on with my loan, they also have billing statements going back 2 years where they placed payments in a suspense account and did not apply to the loan for months in some cases. Please do a full review of my loan file.
I checked my XXXX credit report and noticed there was XXXX hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these XXXX inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.
I never received an XXXX notice, I checked my credit report and saw Meridian on there.
I have a hard inquiry by a syncb/XXXX that I never authorized from XX/XX/2018. I found out through XXXX XXXX
Optimum Outcomes NC XXXX XXXX XXXX Permit # XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone XXXX Negotiated Payment of Debt with Optimum Outcomes in exchange for debt being removed from all 3 credit reports. 

I paid the debt, however, it is still showing on my credit report.
I am a victim of identity theft. The following accounts and credit inquiries are listed on my Experian, XXXX and XXXX XXXX credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX DC, XXXX XXXX   XXXX  XXXXXXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.
I have been a member of XXXX bank for many years but this year 2016 I had obtained a cash advance in the amount of {$10000.00} from the union bank on XX/XX/<YYYY> XX/XX/2016 with 5.99 % interest rate as a promotion. At that time XXXX bank was using The first bank Card services and I had always made the monthly payment on time and never late. Starting XX/XX/XXXX, I received a phone call that the payment was never received and charged late fee which was post it in XX/XX/2016, after I had made the payment and received a confirmation number?? 
My account was transferred back to XXXX bank with a new visa card and I was being charged 14.99 % interest rate since XX/XX/XXXX. When I called to inquire about the increase interest rate, I was told because my account now was with XXXX Bank?? it seemed rather strange that my account had always been with the XXXX bank. The monthly statement reflected 5.99 % rate and still my payment showed I am responsible for 14.99 % according to the XXXX Bank representatives? many phone calls and hours and hours of being placed on hold have not resolved the issue and the discrepancy?
An old debt of 16 years that was settled and resolved with statements that it is no longer there. A new collection company bought a batch of old, old debts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX after my reporting XXXX. This debt is no longer owed as I settled it 16 years ago. XXXX years old and debt is not owed. Do not know this company nor any new ones that they keep trying to sell old materials to.
I paid off a collection with XXXX XXXX and have proof of payment on record. Please update my credit report accordingly. I no longer owe this debt.
on XXXX of 2015 I had purchase a copy of my credit report and noticed that few items on that report that did not belong to me. included I n those items was a credit card from first progress credit card. I had disputed this account with credit bureaus and also i sent to first progress a letter stating to them that this account dose not belong to me. as of this date I have not received not even a phone call from first progress. I am here to get your help resolve this matter.
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with Experian, XXXX, XXXX.

I have one hard Inquiry from company : XXXX XXXX XXXX  On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I contacted Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.
On many occasions Nationstar Mortgage has been unprofessional and disrespectful towards me. I was XXXX military and XXXX ( XX/XX/XXXX ) when they bought my loan from XXXX XXXX XXXX. I had never had any issues, was never late, my monthly payment never changed. When Nationstar took over they had been cashing my monthly payments and applying the funds to another person account that only had the same last name! On my credit report, due to their incompetence, I had negative hits for 6 months showing I was delinquent. I came home from XXXX to find my mail box full of foreclosure threats. To this day ( XX/XX/XXXX ) I still have the negative remarks because they have refused to remove them saying I should have been following up on my account even though I was in a XXXX! Once being home and making my payments to them my amount started changing and they would n't apply the money I was sending because it was short. My monthly payment increased by almost XXXX and no one could tell me why. They would never contact me telling me my funds were short and I would n't find out until the next month 's statement. I received negative hits on my credit again and again they refused to remove them. I just sold the house and the title company sent them the amount they said we owed plus 3 days of additional interest funds just to be safe. Days later Nationstar called XXXX XXXX XXXX left a voice mail stating that the funds were short XXXX. When myself and XXXX from XXXX called them they said the payoff that was sent was more than enough to cover the payoff in their system and they were unsure of the XXXX. I refused to pay the amount until I was notified of a breakdown describing what the extra charges are for. Nationstar has refused to tell me what the extra charges are. They refuse to let us talk to a supervisor. They refuse to put in writing that I wo n't be charged the extra daily interest fees that are accumulating while they 'straighten out this matter '. It is now 10 days past our closing date. Nationstar refused to apply the fund towards my account until they figure out the extra bogus amount and have now returned the payoff funds to XXXX XXXX XXXX. The following email is attached from the President of XXXX XXXX XXXX validating my complaint, an email from XXXX XXXX at XXXX XXXX XXXX showing the amounts and Nationstar 's additional fees being requested, and the payoff sent by Nationstar. All backing my complaints with them.
Trans Union is not responding to any of my numerous requests to investigate, verify and remove an account from my credit report that was opened fraudulently.
On XX/XX/XXXX my wife received a call from the following phone number : XXXX. The woman on the phone identified herself as XXXX XXXX with Dynamic Recovery Solutions. She asked to speak to me, but called my wifes cell phone number. My wife asked what the call was in reference to and XXXX XXXX became frustrated, stated she would call back at another time, and proceeded to hang up. My wife called the number back and XXXX XXXX answered. She informed XXXX XXXX that she was my wife and wanted information regarding the previous phone call. XXXX XXXX stated that my wife needed to verify my current address or last 4-digits of my social security number, in order for her to provide any information. My wife did provide our current mailing address. XXXX XXXX stated the call was in reference to a {$10000.00} balance for an unpaid debt that I had supposedly incurred many years ago and had been settled, therefore a lawsuit would not be pursued. She then asked if my wife was ready to make a payment towards the balance or set up a reoccurring payment. My wife informed XXXX XXXX that she would need to send written verification regarding this matter. XXXX XXXX proceeded to inform my wife that her credit could also be in jeopardy, since we are married. My wife concluded the conversation by again telling XXXX XXXX that she would need to provide us with written verification. Upon checking my credit report, I see absolutely no reports for debt collection. Therefore, we believe this must be a scam or con-artist.
Debt Management PartnersXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXXHad a man call me by the name of XXXX XXXX claiming he was a detective and I owed on a payday loan for XXXX XXXX XXXX claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam. I then filed a complaint against XXXX XXXX XXXX who responded saying that the debt was sold to this companyHad a man call me claiming he was a detective and I owed on a payday loan for XXXX XXXX XXXX claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam. I then filed a complaint with XXXX XXXX XXXX who stated that they sold the debtDebt Management PartnersXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX
I have submitted many letters to Equifax over the pass year notifying them that they have an incorrect birth year for me. Equifax have a birth year of XX/XX/XXXX. I was not born in XX/XX/XXXX, I was born XX/XX/XXXX. Please help me to get this information updated on my credit file. I have sent Equifax proof of this statement.
I have called and submitted letters to XXXX and XXXX with a copy of my Bankruptcy Discharge notice disputing a collection account on my credit report. The debit was a XXXX 's XXXX account that was included in the bankruptcy and purchased by Pinnacle Collection agency 3 years AFTER bankruptcy was XXXX. I have received collection calls, letters requesting payment etc. I have been trying to rebuild my credit but have been denied again and again because of this showing as a collection account. XXXX in particular only added a notation the collection account was included in bankruptcy but will not remove and the other credit reporting agencies will not remove either. The collection account has RE-AGED debt as of 2012 which is in accurate. This has caused me financial injury these seven years since filing for bankruptcy. So after repeated request to verify information, the collection agency and all credit reporting agencies have provided false investigation results and have ignored bankruptcy discharge notice. In effect violation the automatic stay issued by the U.S. Bankruptcy Court.
I have information from Equifax on my report that is negative. It says I owed money to XXXX XXXX XXXX. I thought this had been settled. This information is damaging to my score. I have paid all my bills on time for XXXX years.
The company Ncb has been calling me about making a payment for a loan that I did n't apply for. The amount is {$3900.00}. I would like this issue resolve because it 's lowering my credit score tremendously. The phone calls started in XX/XX/XXXX and have been done on a daily basis ; several times a day.
I have an incorrect collection on my credit report without verification of debt. I asked for verification of contract and have yet to receive a response