WillisBack/dataset-financial-user-claim huggingface dataset:
{$39000.00} in consolidated loans effective XXXX. Fixed rate 7.625 %. Repayment started XXXX XXXX at approximately {$250.00} per month, will end in XXXX @ {$880.00} per month. Majority of all payments through first 6 years were applied to interest only. Application of payments to principal & interest inconsistent for entire repayment period. Total payments to date exceed {$64000.00}. {$44000.00} has been applied to interest, {$20000.00} applied to principal. Remaining principal balance is XXXX {$22000.00}.
Due to the financial crisis of XXXX my income declined to one fifth of previous years and finally in XXXX I was forced into a chapter XXXX bankruptcy. I got back on my feet and started paying back my creditors 100 % of what I owed. My mortgage was the only thing I was allowed to keep through M & T Bank. In the spring of XXXX I was sent a package from M & T Bank via XXXX XXXX that I had to sign for. It was a pile of documents saying that the Federal Government had told M & T that I needed to refinance my mortgage to a lower rate. I called the number and asked if this would this apply to me because I was in a chapter XXXX bankruptcy. They said yes let 's proceed. They then called and said I needed to get permission from the Trustee and the Judge so I contacted my attorney who did what I asked. About 2 weeks later they called and said they could not refinance me. 2 weeks after that I received a notice that they were charging me attorney fees for asking the court to refinance my mortgage. I called my attorney and she said that it might just go away since they asked me to refinance and they were my current mortgage holder. I went on with my Chapter XXXX and paid it off. 2 weeks after paying off my chapter XXXX I received notification on my mortgage statement asking for payment of a recoverable corporate advance. When I called and inquired about this they told me it was for the attorney fees that they incurred when my attorney asked the Judge about my refinance. I do not feel that I did anything wrong here since they made the original offer. And I do not feel these charges of over {$840.00} are justified.
I have a derogatory mark on my credit report that has already been PAIDED and not removed
Hi, Navient, despite my telling them that I can not pay the outrageous $ XXXX private loan, are calling me XXXX5 times per day. I told them that calling me that many times is not going to make me all the sudden have the money. The person said they do n't care. It is unecessary harassment as far as I am concerned. The bankruptcy laws written for student loans have allowed the colleges to raise their prices exponentially and now an entire generation has fallen victim to their ability to get guaranteed loan money. This is a consumer protection issue. I want the calls stopped. When congress acts to allow for student loans to be discharged in bankruptcy I will go through that process. That is how this will end. They will not be payed on this predatory loan. I took that loan as a XXXX XXXX XXXX who thought that good paying jobs would be available to justify the expense. That has not been the case for me and many people my age, instead there is an epidemic. I am on social security XXXX for my inability to work. I have applied to have the private loans discharged like my federal loans were and they have denied me 3 times. I am saying no to this corrupt government practice of not allowing discharge of debt through bankruptcy, it is equal to debtor prison, it is unjust, and it will be defeated.
After looking over my credit report I ran across a collection from this agency. They are reporting on my credit report so I send them a certified letter with conf # XXXX XXXX XXXX XXXX XXXX in which they are still reporting inaccurate and incomplete information on my credit report. My lawful consumer right allows me to compel you to eradicate any and all aspects of injurious adversary and or derogatory accusations not entirely true, correct, complete, timely, mine, my responsibility, or else wise compliant and furthermore PROVEN in testimonial certificate of fact to be compliant to all aspects of reporting regulations, laws, precedence, and standards of reporting practices TO INCLUDE irrefutable physical evidence of your perfect METRO 2 COMPLIANCE! A deficiency in one or all is unlawful and makes you liable to me should I elect to gain suitable resolution. I received no response according to my letter.
I applied for a position with XXXX XXXX XXXX ( XXXX ), I was offered a position. However, XXXX XXXX XXXX has hired First Advantage Background Credit Reporting Company to do my investigate. First Advantage ( FAVD ) reported that I had an outstanding Criminal Capias Warrant at XXXX County Clerk of Courts from XX/XX/XXXX. I contacted the court, the Criminal Civil Capias was not outstanding, this was not true. First Advantage has reported to my future employer that I have an outstanding warrant when I never did. Both cases with XXXX County were closed by the court. I have filed two disputes with First Advantage. I never received a copy of the investigate. I went ahead a satisfied the civil case judgement and the Capias Warrant was dismissed and the judgement satisfied. I forward the information to First Advantage, although have acknowledged receiving documents me, they still refused to update the report and notified the employer, that the capias has dismissed per XXXX XXXX and judgement has been satisfied. I spoke with XXXX XXXX and they are still interested in hiring, they are just waiting to the report from First Advantage. I was told by FAVD this can take up to 30 additional days for them to update there computer database. My original start date with XXXX was on XX/XX/XXXX. I filed the first disputed with FAVD on XX/XX/XXXX, my 2nd dispute with FAVD was opened on XX/XX/XXXX. As of XXXX FAVD still stated I had an outstanding warrant which is inaccurate. In addition, the warrant was dismissed on XX/XX/XXXX and judgement was closed on XX/XX/XXXX. FAVD is stopping me from being employed, damaging my character and reporting inaccurate information when they have the court pleadings. I am a single parent and I need this job. I do n't think XXXX is going to wait another month to hire me. They were hiring for open enrollment which starts on XX/XX/XXXX. They employer will not take any information from me since they hired FAVD. The employer wants the report to show that its dismissed or removed. But FAVD is his holding up my job. Even though they have all the supporting documents from the court. This does not seem to be fair. I have verified with XXXX County Clerk Court, XXXX Ohio verbally and on XXXX County Clerk Court database which is online : XXXX ( Case # XXXX ) It shows that Capias Warrant was dismissed and the Judgement was satisfied.
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX Federal Bank previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.
I have asked numerous times TCF bank to talk to a manager. I was treated rudely by the girl at the front desk. Stating she was the only one to talk to. I tried calmly to explain my situation. As I had an alert put on my account so that I wouldn't go over. But for some reason TCF bank didn't put it on or removed it. Now they have charged me over {$2500.00}. in overdraft fees and taking all my money that I am trying to feed and house my children. I am going to be homeless with my family. All because of TCF banks horrible practices. They are literally stealing my hard worked money. This is wrong. I contacted Attorney General and they submitted a complaint to your office. I really need HELP ASAP befroe my family and I are homeless due to the practices of unrealistic overdraft fees. And also not contacting me when this first began. I tried to speak with someone to no avail. The girl at the TCF branch at XXXX XXXX XXXX in XXXX XXXX Ill. basically said oh well not our problem!
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX,  along with a short fall payment from my personal checking account. Santander Consumer USA is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full. In addition to this FDCPA claim. 
In addition, the vehicle loan was purchased by Santander Consumer USA from XXXX XXXX XXXX XXXX, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX   XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX   XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate. 
The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA. 

Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements. 

The credit items must be deleted by both XXXX XXXX XXXX, XXXX and XXXX   XXXX XXXX XXXX.
Franklin Credit refuses to do a modification. Reason not given. Left voicemail messages with XXXX, loan specialist, who has not returned any calls.
I have a mortgage serviced by Specialized Loan Servicing ( SLS ). The mortgage includes a tax and insurance escrow. In XX/XX/XXXX, I received a tax delinquency notice from XXXX County, Iowa in the amount of {$1800.00} with respect to the property tax installment dueXX/XX/XXXX. This was curious to me, as the servicer was collecting funds to cover property taxes as part of my mortgage payment and responsible for properly remitting them to the taxing authority. Further, SLS ' account statements related to my mortgage indicate they remitted {$1800.00} to XXXX County inXX/XX/XXXX. I called SLS about the situation and they provided me with a number to fax the delinquency notice to and asked me to write my loan number at the top. I followed these directions and never heard back from SLS, and assumed that they had addressed the situation as they indicated they would upon receipt of this information. <P/>On XX/XX/XXXX, I received a tax sale notice from the XXXX County Treasuer relating to the property subject to the mortgage serviced by SLS. This alarmed and distressed me, and I went to the XXXX County Treasuer 's office onXX/XX/XXXX and redeemed the tax sale certificate for {$1900.00}. I took time off work to do this. <P/>I can not believe SLS ' handling of my escrow account and property taxes in this situation comports with RESPA or other applicable laws. I have no idea whether SLS actually remitted payment to the taxing authority in XXXX, but it was incumbent upon them to properly transmit the payment, and to confirm that it was correctly applied after I alerted them to the the delinquency notice. I demand a return of the {$1900.00} I spent to clear title to my property due to SLS ' incompetence and/or indifference, and reasonable compensation for my time wasted dealing with this unnecessary and stressful situation. <P/>I own several other properties serviced by other servicers ( XXXX XXXX, XXXX  ), and have never experienced anything remotely approaching this level of ineptitude. Fortunately, I had the resources to immediately resolve the situation before losing my home to a tax sale for unpaid taxes the servicer was supposed to be paying. Not all borrowers would be so lucky.
On XX/XX/2018 I sent certified notarized letter via USPS to Experian ( Tracking # XXXX XXXX XXXX XXXX XXXX ). The letter demands Experian to provide me with Verifiable Proof ( an original Consumer Contract with my Signature on it ) Experian has on file of the accounts listed below. 

XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX Experian has failed to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

This and any future certified correspondences sent to Experian will be used in court to recover monetary award for damages to my personal credit file
I took out a XXXX loan on XXXX XXXX, 2017. I hired a contractor that was recommended to me by the Movement Mortgage loan officer. I later found that this contractor was not competent and ruined the foundation of my house. 
I parted ways with the contractor and hired another contractor- which was approved by the lender. The original contractor later filed a lien against my property - which I am fighting. Movement mortgage has now refused to pay my current contractor for the work he has done due to the false lien against my property. I have asked them for loan documentation that states that this is allowed- they have yet to provide any. 
I 'm now in jeopardy of having another lien filed against my property. I would like for Movement to pay the current contractor or provide HUD documentation that they are not allowed to do so. I called HUD and was told that there is no such documentation.
I am referring to case number XXXX submitted on XXXX/XXXX/15. After several attempts to find a loan modification with America 's Servicing Company/Wells Fargo loan # XXXX, they have responded that they have exhausted all possible ways for me to repay the loan. The loan is a private loan with several foreigns banks. They have mentioned that there is a limit on the times the banks are allowed to permit a loan modifiaction. I have a regular income, I have even ask ways to repay the deliquent amount. I already had sent all documentation to support the hardship that I suffered. I will like the possibility for the ombusman to intervene in this situation. I perceived that the negativity and the reluctancy of the underwriters and their response sugested me that what many of these banks are pushing individuals to foreclosures and realy not helping families to keep their houses. It could be interpreted as a double dipping action from the banks to doble sell the houses. It is not true the response of the agent that they have tried to reach me without response. I had several telephone conversations with the preservation specialist, XXXX XXXX and his manger. Please advise the status of this complaint and the possibility of a resolution on my hehalf. Thank you.
XXXX  has been non-compliant with removing the unverified account H P SEARS CO, INC which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that H P SEARS CO, INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
My wages are being garnished, I had no idea this was going to happen till I got the letter from my work stating it was, and saw on my first paycheck. I would like to have the garnishment stopped and start a payment plan, the garnishment is to high and is cause major finical hardship. I cant seem to find anyone who can help me with this. My old loan provider ( Nelnet ) has no information for me and I cant seem to get ahold of anyone with the department of education collections. Please help.
I have an account on my credit report for Cash call, but I was never late with them. would like Cash call to produce my original contract and proof of the dates I was late or remove the lates from my credit report.
Today at XXXX my husband, XXXX XXXX, received a call form Portfolio Recovery Associates from XXXX, regarding a debt for XXXX XXXX, from XX/XX/XXXX, of which my husband is not associated with, he is not a co-signer nor a joint holder on this account. This account was opened before we met and was defaulted on before we met. My husband and I married in XX/XX/XXXX and he was should told this is a debt for XXXX XXXX for {$1100.00} and that he was listed as the contact for this account.
This company uses multiple numbers and calls 6-10x a day. I have tried to tell them to stop calling but they barely speak English.
Around XX/XX/XXXX, I had lost my wallet and cellphone at the same time. My phone did not have a passcode lock on it, therefore information on my phone was easily accessible. I had sensitive information pertaining to my identity, email access, and even phone access. Who ever did the charges below had my phone too, because they were able to confirm a 6-digit passcode sent by chase to me VIA email/text. 

Since Chase is assuming it me who confirmed my identity, they are denying my claim. 

These are the fraudulent transactions below in which Chase is denying my claim. 
The specialist assisted payments are not made by me. I asked chase to see if they can pull up the call log records on that day to check the voice of whom was speaking. 

XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX - XXXX  XXXX XXXX   XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX XX/XX/XXXX & Payment Thank You Specialist Assisted -XXXX XX/XX/XXXX & Payment Thank You Specialist Assisted -XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX   XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA -XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX LA XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX I filed a police report regarding this matter. 
All of these transactions are reflected on my account and credit report. I am not liable for ANY fraudulent transactions, and Chase states in their policy that there is a zero-liability for fraudulent transaction. This is significantly affecting my credit score due to a high utilization. 

I had them escalate the claim to another agent so another set of eyes can go over my claim. 

I am very frustrated from this situation and can not believe how Chase is treating my case.
urchased a XXXX XXXX XXXX from XXXX XXXX with my auto loan going through their loan company XXXX AKA XXXX XXXX. On XXXX XXXX XXXX my neighbor hit my car while it was parked in our driveway. A claim was filled with her insurance company. 2 days after the car was hit the transmission started to slip. The next day it completely stop running. XXXX ( neighbors insurance carrier )  refused to cover the transmission damage if I could not find a mechanic who could verify that the transmission issue are due to the accident. I though this would be common sense since I 've had no issues with my car until it was hit. I brought the car to my dealership since they did the maintenance services and could verify that there had been no previous issues with the car and that that accident caused the transmission problems. They were not able to prove that the issues was due to the accident. A check was issued for the body damages in the amount of {$2000.00}. It was issued in both mine and the lien holder name. I voluntarily surrendered the car back to the lien holder as I did n't not have the money to fix the transmission. they wanted to take the insurance payment and apply it to my balance but I have refused to sign the check because I am still with out a car to drive. In XXXX XXXX sent me a letter advising that they had sold the car at an auction for {$300.00}. they continye to contact me asking me to sign over the check to them but I refused. The check eventually expired. On XXXX XXXX XXXX I received an email from XXXX stating that the check had been reissued. I called in and was told that XXXX requested that the check be reissued. The XXXX rep advised me that the request was originally denied until they could submit proof that they still owned the vehicle. Per XXXX XXXX sent them a title as proof. I called XXXX and spoke with XXXX who is the general manger and asked how they have a title if they sold the vehicle. XXXX stated that he did not know anything about the situation and that he would look into it and call me back. I never got a call back. I called and spoke with a XXXX who hung up in my face after I refused to get off the phone until she told me who XXXX supervisor was. I called back and spoke with a XXXX who told me they did n't have to provide me any information. I called back and left a voice mail on XXXX phone asking for proof of sell. I still have not received a response. Either they sent a invalid title to XXXX trying to collect the insurance money or they never sold my car. I can not get anyone there to talk to me.
checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them XXXX