WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX ( Cavalry SPV I , LLC ). After things at my work changed, I took full retirement when I could. My wife and I and daughter then moved to live in my wife 's GA home. The Warranty in Debt mailed to us was mailed only ( not signed for ) at our old still empty VA house address. It was mailed XXXX/XXXX/2016. After the mail was forwarded, we finally got the notice in early XXXX 2016. That 's about two months later. The original court date was for XX/XX/XXXX2016. After getting on-line, I fortunately saw the case was continued for XXXX/XXXX/2016. We called to settle the debt through their local XXXX XXXX XXXX. We paid and settled the debt on XXXX/XXXX/2016 through XXXX XXXX XXXX for Cavalry SPV I , LLC. They had bought the debt from XXXX XXXX. Although we paid {$1800.00} and settled the debt, the account information through the credit reporting agencies should say something like " Account paid for less than full balance. Paid collection '' or " Paid and Settled for less than full balance ''. The account should also be closed with no balance now. Instead, the account remains open and with {$470.00} balance remaining and is still be reported to the credit agencies that way.
An agent from One Main Financial in XXXX Minnesota opened an ac for me, I had indicated to him that my husband had an ac with them which I cosigned and I wanted to open my own to which he said I qualified after verifying my credit history upon signing my disclosure statement I realized that the amount was more than I had been given to which I was told since my name appeared on husband s ac his balance will appear on my new ac until its paid out little did I know that he had closed my husband s ac after he received his paid out disclosure notice we called the bank and they were looking at ways to reverse the situation 2 days after this inquiry I called again and was told it was 14 days after and there is nothing they could do, as if that was not enough my husband s ac was debited of this loan payment despite the fact that this was a different account his had been closed and payment date was different the bank was called and they indicated to him that this was the voided check I had presented to them suggesting fraud on my part really then when I contacted them they apologized and I asked me to present copy of my check ( VOIDED ) I did but they again this time debited his ac and also mine different dates but same ac called them again and accepted the mistake and promised to e send a check back for credit and shockingly my husband received a letter sting that he had authorized them to take payment from his ac so no check refund from them so unprofessional customer service and disapointing that I now carry this big loan I did not apply for and cat get help and still getting messed up every time. this needs to be stopped
A mortgage company Bank entered XXXX mortgages into the mortgage electronic system XXXX under my ssn and home address without my knowledge. My home is paid in full however due to the none corrections to remove the fraudulent loans in XXXX a collection company hired by the company who entered the XXXX fake mortgages into XXXX is illegally stealing our home.
OnXX/XX/XXXX TransUnion received a dispute letter from me ( see attached letter with certified mail return receipt : XXXX ). I was then notified by TransUnion that because I had contacted them previously, they would complete their investigation before or on XX/XX/XXXX ( see attached letter from TransUnion XXXX XXXX ). I have not received any communication from TransUnion regarding this dispute. This seems to be a violation of FCRA and Texas state law.
I have just completed a lease on a XXXX Chevy Volt, for which I paid XXXX per month and had also purchased the Excess Wear and Tear Insurance. I had also extended the lease for a few months. US Bank is the holder of the lease. On XXXX XXXX, XXXX, I returned the car to XXXX XXXX. On XXXX XXXX, US Bank took the monthly payment on the car. When I called, a representative said that the money would be returned within two weeks by check. This never happened. Instead on XXXX XXXX, I received a bill for termination fee ( XXXX ) and excess wear and tear ( XXXX ) and sales taxes ( XXXX ), totalling XXXX, with the statement that the car was returned on XXXX XXXX. I called and said that I had 'ding ' insurance and that the car was returned earlier. This representative said that the monthly amount would be deducted in a new bill, but that the XXXX was for tires, which are not covered. Besides being very upset at a bill of XXXX for tires, I asked to see the damage report. The representative had just lied, presumably to get me to pay a unnecessary bill. A new bill arrived for XXXX ( XXXX - XXXX ). After the report arrived, I called again, and the next representative said that indeed the XXXX would be deducted, but not the tax amount and that a corrected bill would be for XXXX. Instead, a new bill arrived identical with the second bill. I would like to see a correct bill. Furthermore, as a result of the mendacity of representatives of US Bank, I hardly believe their representatives, when they say I should pay a sales tax on repairs provided by an insurance, especially as I have no idea who does the repairs or where. It seems that their phone representatives just try, honestly or not, to get people to pay any amount they can pull out of them.
A {$1700.00} check from a different bank 's account was debited from my account. They have the same routing # and account number.
My mortgage was bought out by M & T Bank XXXX XXXX XXXX XXXX, NY XXXX. I pay my payment through bill pay and it is set up to be delivered to M & T Bank by a certain date. If it arrives XX/XX/XXXX or after they will charge me a late fee according to their statement. They have gotten my payment before XX/XX/XXXX and charged me a late fee on several occasions. I brought this to their attention and they have failed to refund the fees for all of the times they have charged me a late fee when it was n't late, according to their terms. It happens often that they charge the fee regardless. I usually pay my payment between XX/XX/XXXX and XX/XX/XXXX the first years they had the contract, but now since they have been charging me a late fee regardless, and I ca n't get them to stop, I just pay it reluctantly with the late fee as part of my monthly payment.
My complaint concerns my mortgage servicer Select Portfolio Servicing. In the past I have had many accounting issues with this servicing company. I am currently many payments behind on my loan due to their modification process and subsequent denials.
I have recently been approved by Select Portfolio Servicing for a Repayment Plan.
The plan consists of 12 payments of {$2700.00} with a balloon payment of {$83000.00} after the 12 payments. My Concern yet again is with their accounting. I need to know before I make these payments where this money is going. I need the breakdown of what is going towards fees, what is going towards principle, and what is going towards interest. I need a break down also of the balloon payment. I need to know what I will owe after this plan is completed. What will the remainder of the mortgage be?, unfortunately if you do any kind of research online of this company you will see that they have some shady practices. I could refer you to many websites with hundreds of complaints all referring to the same problems I 've been having. XXXX XXXX XXXX XXXX I have many times tried to suggest to the that they work with me on a Priciple reduction so that I could have everything under one payment. That to me would make things much easier and affordable to me. I 've been struggling with this Servicer since XXXX 2013 when I first tried to get a modification. I refer you to how much money they got during the bailout of mortgage companies. XXXX XXXX XXXX I was never offered any kind of principle reduction and was lied to during the modification process leading me to fall far behind on my payments. I want to clear this up and retain my home but I also do n't want to be lied to or tricked out of money again. I need to know exactly how these payments are going to be processed even before I make the first payment. They are denying me this saying I need to make the first payment before they know. I do n't trust them.
They failed to update my credit report after the information was submitted to them several times, this account with XXXX XXXX was opened on XXXX XXXX 2014 they have it as being opened on XXXX XXXX which is incorrect. Then they have it as a charge off and it 's not a charge off it was refinanced and paid out by the XXXX that 's reporting on my report in good standing. They were also provided the copy of the checks for the pay out. I have disputed this with them several times and they have yet it update my report with the correct information.
XXXX XXXX XXXX states that you are bonded in the state of Texas, however you were not bonded till XX/XX/XXXX. XXXX XXXX XXXX purchased the debt XX/XX/XXXX, XXXX XXXX XXXX was not bonded in the state of Texas when the debt was purchased which makes XXXX XXXX XXXX in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001.  XXXX XXXX XXXX made several attempts to contact me as well as mailing out collection letters when XXXX XXXX XXXX was not bonded, Sending collections letters and attempts to contact me XXXX XXXX XXXX is acting as a holder, as specified in the Texas Finance Code,  which the case says requires debt holders to obtain a license which was not obtain at that time. Where a holder fails to obtain the required license, it is prohibited by law from acting as a holder, XXXX was unlicensed as a holder, and therefore attempted to collect on a debt it is prohibited from collecting. 
I would like to bring to the attention that I am fully aware that XXXX XXXX XXXX currently has a class action lawsuit against them right now for this exact same reason. Currently all I am requesting is the immediate removal of this tradeline from my XXXX credit report, as XXXX XXXX XXXX has violated the aforementioned laws, you may not sell or assign to another debt collector. Please note I am fully prepared to pursue my rights. I further remind you that you may be liable for your willful non-compliance. 
Sincerely, XXXX XXXX
Experian has repeatedly released my credit report to XXXX XXXX. I have complained before ( Though CFPB ) and all they do is remove the inquiry. These are account review inquiries and I DO NOT HAVE AN XXXX XXXX ACCOUNT. That is clear from my credit report. I have opted out of marketing emails for LIFE and also have a security freeze on my account. There is no reason for them to release my report without my authorization to a company that I do not do business with.
Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One amount was for {$1700.00} showing up on my credit report as account XXXX and another for {$590.00} showing on my credit report as account number XXXX. I sent out letters to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I receive reveal personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ).
OnXX/XX/XXXX I received an email alert from Wells Fargo that my checking account balance had fallen below XXXX  and was now XXXX, previous balance had been XXXX. This represented a XXXX dollar transaction! I immediately went online and found that a withdrawal of XXXX was posted to my account as a " XXXX XXXX XXXX ''. I do not have any bad debts with Wells Fargo and there is no indication as to where this money went - or to whom.

I immediately called Wells to report the transaction as fraudulent and was told to call back later. I called again and was told Wells would investigate and follow up with me in a couple of days.

I did not authorize this transaction and have no way to tell where this money went. Given the past well-documented problems Wells has had in the recent past with this sort of problem, I am not confidant I will ever see this money again. 

Please contact Wells Fargo Fraud division and help me get satisfaction.
{$500.00} was taken out of my bank account by Huntington Bank without prior proper notice. Amount was taken out on XX/XX/2018. Call was made to Huntington customer service on XX/XX/18 and I was told their collection agency took out the money and there was nothing they could or would do. Calls made to Huntington 's collection agency on XX/XX/2018 resulted with the same results. I also requested a research of the transaction on XX/XX/2018
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.
XX/XX/XXXX California implemented an amnesty program which allowed people XXXX-XXXX % off of their current balance with the court systems collection department ( Alliance One ) in order to get people back their licenses. I had XXXX accounts equaling just under {$3000.00}. The amnesty was granted and I paid the balance. I also paid the fees to DMV to reinstate my license and I thought it was all taken care of. 

XX/XX/XXXX my husband and I filed our taxes. We were due a state refund of approximately {$800.00}. While checking the status I received a message that said the California Franchise Tax Board had intercepted my refund and I would not be getting any of it back. 

This is extremely frustrating as the original ticket was a fix it, costing nothing. This is extremely frustrating as the bill had to paid in full before I could get my drivers license back. This is extremely frustrating that my family is struggling financially and I am still being penalized for a paid debt. From the government no less! 

I spoke with the FTB and they said they could not do anything. I spoke with XXXX XXXX some low level manager at Alliance One and he said I would get the refund about a month after they received notice from XXXX XXXX County which would take at least six weeks. Maybe. So a tax refund that was due in XX/XX/<YYYY> I will not get until after XX/XX/XXXX. 

So now I am waiting. For what I do not know. I do not have any faith in Alliance One as far as keeping their word, or being knowledgeable in any capacity. Basically, I am being victimized by the system. Everything is run by an automated system. Every one is pointing the finger and shifting blame to where they are trying to convince me, that no one is responsible or accountable for this grievous error. 

There needs to be a better system in place. Somebody needs a corrective action of some type. This is not okay. Please look into it. Thank you so much. My family and I appreciate your time and effort on our behalf.
In XXXX of 2018, I traded in a vehicle to a dealership that I am currently involved in litigation with. At this time, my credit account with the credit union in question was current. I found out weeks later that the dealership had not paid the vehicle off. I made the credit union aware of this dilemma numerous times and yet, the account was still reported late to XXXX, TransUnion, and XXXX. 

After the dealership finally paid off the vehicle, ( after having it in possession for almost 2 months ), the credit union updated my credit reports to show the account closed and showed it to be paid in full, yet the " payment status '' on all three reports shows as currently late. I have disputed this account with all three bureaus, ( XXXX twice! ) and the credit union has verified inaccurate data. Unfortunately, this now makes them liable for damages to be pursued under the FCRA, FDCPA, and the TFC. This false reporting has placed a tremendous stress on my finances, ( as I was in the middle of a mortgage loan when this hit ), and has taken a severe toll on my health and well-being. 

These complaints are also being reviewed by my attorney who is handling the case with the dealership in question as well.
I have a credit card with XXXX formerly XXXX And ShopNbc. I found out today that they said they closed my account because of non payment in six months, I told their Rep thats impossible because i have a print out not only from my bank but from their web site 's payment history which shows i 've made payments since XX/XX/XXXX to as recent as XX/XX/XXXX.The rep then said they never recivied it i said well there are comformation numbers with thoses payments.The Rep then said my account went to collections to a Co. called XXXX " I told the rep i never heard of them let alone recivied any letter 's or phone calls from them. After further probing i found out that XXXX has a misleadind and fraudulant practice of offering a payment plan on items the sell and charge the indivual consumer sperately but do n't inform them of this practice.As my monthly bill statement came in i paid it thinking the monies would go toward the bill.They ( The XXXX said it did not ) so i said had i known this i would not have accepted this or would have paid more to cover this hidden practice.I told the rep that this is a misleading practice as i never seen nor heard of such a thing as you pay but it goes to the princible only. i will seek legal action with the NEW YORK STATE ATTY GEN. As i tried to find someone to help me through their company i was given the ole consumer shuffle transfere here transfere there no solution in sight This is my last resort. Had i look online earlier i would have seen all the compliants about this company. See why the changed their name so often. Then the Rep said i owe for something i told him i never recivied. They also told me that because they closed my account that they erased all transactions? Sound very shifty to me glad i printed out my payment history from their web site.
I had a credit card with XXXX XXXX XXXX in 2009 who sold the debt to Calvary Portfolio Services LlC .When I told them I could n't pay because my husband had an XXXX, they would not work with me. They tacked on over XXXX dollars. 
In late charges and took me to court and filed a law suit, they have since put a lean on my House for a larger balance than what is owed. They will not send me a statement to prove There is a descrepency in what they are suing me for and the real dollar amount
I keep getting calls from individuals and no name companies who keep wanting to assist me in paying off my student loans. The last number that called me was XXXX. 
This is the message they left This is _____________ I missed you your loan service __ actually fell out of compliance by not telling you about the forgiveness program so far compliance and ___________ can you please give me a call back at XXXX so I can tell you when the Department of education is offering for your loan _________ have a great day. I was recently scammed out of {$1000.00} from a similar company calling themselves XXXX XXXX XXXX XXXX.
We have a fixed 30 year fixed mortgage with Home Bridge and have been paying $ XXXX month for many years. Suddenly our mortgage went up to {$4900.00} and we called Home Bridge to find out what happened. 

They said we had a {$7400.00} escrow shortage because they made a mistake on our property taxes. For some reason they were billing us half the property taxes but the township was paid in full. 

We are being held liable for these high payments since they spread the escrow shortage over 12 months and added to our monthly payments. 

The loan has been transferred to XXXX XXXX now. 

We have taken a personal loan with a high interest rate and paid off the escrow shortage. 

Do you think this is fair? 

How can we approach this? This is causing us a lot of stress. 

Any advice would be appreciated.
I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a late payments on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, these late payments would have come off as I was never late on these accounts. I am not receiving proper correspondence from the bureaus and at no time have I received proof of late payments reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX XXXX TRANSUNION. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times.
Equifax lost credit personal data in data compromise attacks. 
XXXX XXXX - contacted Equifax and placed credit freeze. 
XXXX XXXX - logged ticket with CFPB to document.
I submitted paperwork for a loan modification on my home. All paperwork was excepted. I was then told that all that was needed was my bank statements. I sent the statements four times on the fourth time I was told that the statements was excepted and that it would be added to my modification package. I received a letter from the company ( Salene Finance ) on XX/XX/XXXX that I had until XXXX XXXX, 2015 to have all paperwork in. I called Salene and was told the sale date ( XX/XX/XXXX ) was placed on hold because of my being in the modification.I called three times XX/XX/XXXX to check on the modification and was told that it was being reviewed or that it was in under writing. I received a letter on XX/XX/XXXX and was told by a foreclosure Attorney for Salene that the house was sold on XX/XX/XXXX. I have not heard from salene as to what happened with the modification. I am now being evicted from my home. the home was sold back to salene. 
I want to stay in my home I have been in this house for 9 years, I would like to have the modification that was promised to me. The have offered cash for keys XXXX and 30 days to move. I am XXXX and have no where else to go. 
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I have disputed this item time and time again and it has been removed off all my credit reports but one. Now it looks like the creditor has re-aged the debt without my permission and made my credit score plummet! I am XXXX years old an dthe doctor that is trying to collect from me is a XXXX physician - He ONLY sees patients that are XXXX! i demand this be removed from my credit report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency GEN BUS RECOriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenOpened Date XXXX XXXX, XXXXClosed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX something wrong? 
Learn more about how to dispute items on your credit report.
EXPERIAN ONCE AGAIN IS ALLOWING A TRADELINE REMAIN AFTER XXXX  XXXX RECEIVED DEED AND ALL XXXX TRADELINES ARE GONE. 

DELETE THIS AT ONCE OR BE SUED. SEE ATTACHED