WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a vehicle with XXXX XXXX XXXX, XXXX located in XXXX, AZ and was financed with Avid Acceptance LLC located in XXXX XXXX, UT. I never received vehicle since this was a online transaction. I found out that Avid Acceptance , LLC sent money to XXXX XXXX XXXX, XXXX and the owner XXXX XXXX never paid the floor for titles on vehicles. I am 1 of 6 victims of title fraud and Avid Acceptance , LLC just found out recently. Both Avid Acceptance , LLC as well as me, the consumer have been victimized by this XXXX XXXX XXXX, XXXX XXXX. I have currently submitted online complaint with the AZ Attorney General as well as title complaint with AZDOT and have placed fraud alerts via XXXX. I also have been working with a detective XXXX XXXX XXXX.
Credit Control LLC Is trying to collect a debt past the statue of limitation that is 15 year old I live in CA which is 4year Moved to MO XXXX there in MO is 6 year Just got a mail from there want XXXX on a card that was what the bal. is the bank is close I think ( XXXX Bank in XXXX ) then sold to XXXX bank then was sold to XXXX They can not try to collect past the statue of limitation that old I have letter that it was charge off XXXX please help they have reported as XXXX XXXX XXXX this should have been moved I check my credit report and it still there
Equifax discovered a hack into their poorly secured website that allowed the release of my personal financial information on XXXX XXXX, XXXX. They did not announce the discovery of this hack until XXXX XXXX, XXXX. My information along with over 148,000,000 million others ' information is now vulnerable to identify theft. This is utterly ridiculous that such valuable information is in control of an incompetent company. Equifax execs also offloaded over {>= $1,000,000} in stocks before making this announcement, basically profiting off consumer misfortune.
Chase Freedom Credit Card offers protection in the event that a trip is interrupted due to an emergency when you use their card to travel according to the " Guide of Benefits XXXX ''. 
I have purchased airline tickets for me and my family with the Chase Freedom credit card and due to a medical emergency, I was forced to cancel the trip. After submitting all the required documentation to the " eclaim '' department, the claim was denied wit no enough explanation. 
Claim number XXXX.
My spouse recently had some changes made to her income and since I'm on an IBR I sent in the appropriate paperwork to make a change ( XX/XX/19 ). All paperwork ( paystubs ) were sent in and the correct filing was done. 30 days later on XX/XX/19 I was denied a change. The explanation was that the paperwork was " more than 90 days old ''. The pay date for the subs sent in was from XX/XX/19 which still isn't 90 days old. 

I called on XX/XX/19 to have them check and the rep said that it was a mistake and all the paperwork was filed correctly. He said that I would have it corrected within 10 days. I called 14 days later ( XX/XX/19 ) when nothing had changed and was told that it was still processing and that I needed to wait. Meanwhile I've had to make 2 months worth of payments calculated on a salary that is larger than it is currently. I am so sick of constantly waiting for these people while I'm held to a perfect standard when it comes to my own actions. Please help.
On XX/XX/XXXX I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. XXXX ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from XX/XX/XXXX in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit.
I opened a Credit dispute on this issue with XXXX XX/XX/XXXX. I am awaiting the results.
XXXX XXXX XXXX XXXXXXXX holds our mortgage. XXXX XXXX XXXX ( XXXX ) services our mortgage. We have never been late on a mortgage payment. Previously, our mortgage was serviced by XXXX XXXXXXXX XXXX. In late XXXX XXXX XXXX XXXX, formerly XXXX XXXX XXXX, was created to service mortgages for XXXX XXXXXXXX XXXX XXXX. Subsequently, our mortgage was transferred over to XXXX   XXXX XXXX in XX/XX/XXXX. 

We have a mailing address that is different from the address of our home, which we have the mortgage on. XXXX XXXXXXXX XXXX had both our mailing and home addresses and communicated this information along with a property tax bill to XXXX during the transfer. We have supporting documentation and a letter from XXXX XXXXXXXX XXXX regarding this fact. XXXX XXXXXXXX XXXX   never failed to pay our property taxes during their servicing of our mortgage. 

XXXX failed to pay our property taxes for 1 year and 3 months. In XX/XX/XXXX XXXX sent our property tax payment to the town associated with our mailing address. The town returned the payment to XXXX XXXXXXXX XXXX because the payment did not apply to a property in that town. XXXX never attempted to research why the payment was returned. We were never contact my XXXX XXXX XXXX in regards to their in ability to apply the escrow funds we were paying to our property taxes. 

When filing our XXXX tax returns we then realized that our property taxes had not been paid in over a year. In XX/XX/XXXX we contacted XXXX to find out why our property taxes had not been paid. It was then that we realized that they believed that our mailing address was also our home address. We asked that they submit payment to the correct town ASAP and we were told that they would update their records and submit payment. We contacted our town on XX/XX/XXXX to see if payment had been received and it had not. We contacted XXXX again on XX/XX/XXXX to ask them again to pay our property taxes. We were only able to leave a message with their escrow department. We then contact XXXX XXXXXXXX XXXX XXXX ( XXXX ) to ask for their assistance. An associate at XXXX contacted the XXXX escrow department and our property taxes were finally paid on XX/XX/XXXX. At this point they were in arrears by 5 quarterly payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). The late payment of our property taxes resulted in {$200.00} in liens and fees. XXXX paid the liens and fees with money from our escrow account. 

As the servicer of our escrow account they are required by federal law to make our property tax payments. XXXX failed to pay our property taxes for over a year and is liable for any liens and fees incurred due to their negligence. 

We would like the {$200.00} in liens and fees returned to our escrow account. While this may seem like a small amount of money it is significant enough to us and is money that we are unjustly being held liable for.
On XXXX XXXX my home was damaged by water due to a leak in the hot water heater. The insurance company came out and did their estimate and paid the claim. Wells Fargo is refusing to endorse the last payment of {$2600.00} for me to finish the work on the house. Stating they need a inspection done on the house. This has Taken over 2 months to do.
I bought a car new in XX/XX/2012 using XXXX XXXX as the lender. A few months later, I received an offer from Santander to do a cash out refinance on the car. What I was not told clearly was how high the LTV would really be on this car after the refinance and my term would be re-extended. Furthermore, I have paid them over {$36000.00} on a {$19000.00} loan for the past five years and I still owe {$8600.00} and am current. This is a XXXX XXXX that has XXXX miles on it and a fatal recall due to oil assumption ( my car doesn't qualify for recall fix due to miles on it ) and now my engine is gone. The book value is {$1000.00} and the care is useless and I can't even finance another car till I pay of this {$8600.00}. This was a predatory loan given to someone who could never really have afforded this and did not understand the terms that were given. They should not allow high LTV 's and cash out refinances on cars that were only recently purchased with no money down. The LTV on this loan was over 125 % at the time. I had no idea what that meant. This should be against the law. I did speak with the office of the president about it awhile back and he tried to give me a modification to extend the loan again with no real lower interest rate. Unreal! I am going to try to scrape up the money for an attorney.
I review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, Equifax, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX.
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX
XXXX has called me several times and left a claim number. They are now calling and harrassing my family and ex husband. When I tried to call the number back it goes straight to a fast busy. I tried calling them back again and after many rings, a man named XXXX answered. He claimed I owed money for a payday loan back in 2012. It was for {$400.00} and they are the arbitration company and that I am being sued by XXXX XXXX XXXX. I have never taken a pay day loan from this company and check my credit report and there are no collections. I want these people to stop harrassing me and my family. They threatened to have me served with at my work or my residence.
I have requested a full validation of bankruptcies Appearing on my credit file to the credit reporting agencies according to the Law, but they had not complained and these unverified item still damaging my credit worthiness. 
They need to delete unverified items according to FCRA section 609. 
Please help me to clean this matter.
I had a XXXX account and it was turned over for collections back in XX/XX/XXXX. I returned the equipment to them in XX/XX/XXXX due to finding them in storage because they were loaded on the moving truck with other stuff. XXXX turned me over to collection company called XXXX and I seen this on my credit report. I filed a dispute on this and explained to them that this had been resolved in XX/XX/XXXX. They removed this from by credit report in XX/XX/XXXX. The amount was {$1000.00}. On XX/XX/XXXX it reported back on my credit report again. I disputed it once again and now it is under a company called Enhanced Recovery Company. I called them and told them to remove this and she said no I cant do that you owe the debt. Explained to her that this was disputed in XX/XX/XXXX and once again XXXX has turned it over to another collection company after it being removed in XX/XX/XXXX because I did not owe the amount. They are falsely reporting account to a collection company and I would like something done about it. I called XXXX and they said they would have to look into the credit and they can not have the account pulled from this new collection company Enhanced Recovery Company. I want something done about this at once or I will be contacting an attorney and the FDCPA will be reviewed.
HOLLOWAY CREDIT SOLUTIONS IS REPORTING ON MY XXXX CREDIT REPORT, AN ACCOUNT FOR XXXX UNIVERSITY. THE AMOUNT THEY LIST ON MY CREDIT REPORT IS FOR {$1100.00}. I DISPUTE THIS AMOUNT FULLY. THEY ARE ILLEGALLY ATTEMPTING TO CHARGE A COLLECTION FEE ( I BELIEVE FOR {$230.00} ) ON THIS ACCOUNT. I HAVE NEVER SIGNED ANY DOCUMENT STATING THAT I WOULD PAY A SPECIFIC AMOUNT FOR A COLLECTION FEE. THIS COLLECTION FEE NEEDS TO BE REMOVED. ATTEMPTING TO COLLECT A FEE WITHOUT PRIOR, MUTUAL AGREEMENT OF THE COLLECTION AMOUNT, IS ILLEGAL IN THE STATE OF ALABAMA.
This company has recently tried contacting me again and again regarding a debt that I do n't even know about. I have settled alllllll of my payments with my cellular company and however they dispersed the funds is their business. Recently I disputed this account with the credit bureaus and it came back verified and they even re-aged it and said I owed a balance and that nothing was ever paid. I am utterly confused by this companies tactics and would like them investigated please. This account is so old I have no paperwork to provide They have passed the statue of limitations in everyday to report to my XXXX credit reports or to connect or attempt to collect anything from any one in my family. They even spoke to my mother, while asking for me, and she was utterly confused. Please make them go away and have them remove their account # XXXX from my credit reports immediately. I will pursue litigation if necessary, they are very aggressive. I have settled all payments I have ever had and they have recently contacted me again, I believe them to be attempting to re-collect a debt in full again. I am not sure. They have no right calling me and leaving me automated voicemails on my cellular. I do not know who this company is and I would like them investigated for harassing me. II have read the websites and have heard horror stories of this company and now I am a victim over a few hundred bucks. This account is false and illegal placed on my records. have not had any debt issues over seven years.
My original mortgage was with XXXX XXXX XXXX ( XXXX ) when it went bankrupt XXXX took over ( XXXX ). We made our payments to them faithfully. In XXXX we applied for a loan modification to lower our interest rate from 6.75 % and they set us up with XXXX Modifications.Loan. Our interest rate went to 6.625 %, with payments of {$2100.00}. beginning XXXX/XXXX/XXXX. We paid these monthly and it even shows on a copy of the Verification of Mortgage 0 late payments as of XXXX when XXXX XXXX XXXX XXXX XXXX took over collecting my payments. Again, I never missed a payment, nor did I make any late payments with XXXX. In XXXX XXXX I was informed that Ditech Financial LLC would be now collecting my mortgage. The first payment to them was for the XXXX payment. Again, I have not missed making a payment or paid late. In XXXX of XXXX I chose to refinance with another company and requested a V of M from Ditech and instead received a notice that my mortgage was 3 months delinquent and I had 30 days to pay up or my home would go into foreclosure. WOW!!!! We quickly got the money and paid it, figuring we could have the mortgage audited. I sent all the paper work and a letter requesting the audit XXXX XXXX XXXX. I received a letter confirming that they got it and were reviewing and I would hear back in 30 days. Guess what?? No resolution and no one can find the paperwork. Going forward, my new mortgage company requested a V of M on the XXXX XXXX form in XXXX XXXX and we finally received it the end of XXXX. The portion asking for " # of late payments in the last 12 months '' has a 6 in the space. I have not only my portions of ALL the Cashier 's checks, but also copies of ALL the CASHED checks to Ditech and XXXX. I feel that Ditech is holding us hostage as I am only getting the run around, no return calls, mostly condensation from the " Supervisors, STRESS and ANGER. I also find it very annoying when the person at Ditech frequently points out that " they could refinance my loan. '' REALLY!!! I really need help as this whole cluster mess is causing great stress not only on me but my family. I have been crying almost every night I get home and have to call Ditech and try to explain everything over and then to get transferred to " someone who can help '', only to have to explain AGAIN. The frustration is getting too great. PLEASE HELP!!!! You are my last hope.
Started to call : XXXX Started with an attorney XXXX/XXXX/XXXX Presented an possible option XXXX/XXXX/XXXX Submit required info : XXXX/XXXX/XXXX Sent Paystubs and ID for 3x XXXX/XXXX/XXXX Did not receive any communication by mail or phone until after my lawyer got involved. I also tried to email 2 different emails given to me by National recoveries ( after my lawyer was involved and they bounced back. ) This complaint is with XXXX XXXX XXXX, who has taken over my student loan. My loan was {$49000.00} after consolidation and this company added 13,000 to my balance. I tried to call the company 6 times and was transferred multiple times and then put on hold for 30 minutes to an 2 hours each call. No one would answer the call. I could never even get a voicemail. After multiple phone calls and hours on hold but could never get a person to handle my call. Shortly after they served a garnishment to my company. Now I was forced to hire an attorney to just simply try to set up payments. Per the federal government I am intitled to a rehabilitation program, but they will not allow me to initiate one even with an attorney involved. They will not even send me or my counsel a breakdown of the loans and the additional XXXX in fees added to my loan. Do they even own my loan?!!! They said they over nighted a packet twice now and I never received it. Then they stated my loans were in my maiden name and I had to proof my current last name. I provided ID and multiple other forms along 4 paycheck stubs. 3 times, directly off of my computer and the ID was enlarged. They stated they were not ledgable, so we sent them again making sure they were crystal clear and were told they were out for review. WHY would they need me to prove my identity when they have enough info to show who I am, as they are garnishing my wages through my employer. Now they will not even answer my attorneys calls and if I call from a different number and speak to a manager, when I disclose who i am, they say I am not allowed any information because I have an attorney. I am now being garnished on the 5th paycheck ( 4x higher than any payment ) and can not get resolution. I calleded the Student.ed.gov and prior student loan servicer and was told they can not do anything, This is taking a hit on me financially and killing my credit. I am now also not eledgible to help my daughter obtain student loans, so i am forced to pay out of pocket for her college. I am not trying to run from my loans, I am just trying to get into the rehab program. I am legally intitled to a rehab program after 9 payments BUT the XXXX that has already been garnished far surpasses the 9 payment option, that i should have been given 4 months ago. I need help in stopping the garnishment and getting put onto the rehab, which is my legal right ASAP. I am now also forced to keep paying an attorney to try to at least have a little help in the matter and that is not even helping.
XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX THESE ACCOUNTS IS BARCLAYS CREDIT CARD
I received a direct mail advertisement for the Chase Preferred Credit Card, advertising a waived intro year annual fee, XXXX bonus points if you spend $ XXXX in the first three months, and an APR of 16.23-23.24 % available to consumers who " have not had this credit card or received a new member bonus in the last 24 months ''. I contacted chase on XX/XX/XXXX, speaking to XXXX regarding the card offer and asked to apply after inquiring about the account. The representative indicated I could convert my current card " Chase Freedom '' to the new card, but they would need to pull my credit. The representative made no other representation at that time regarding conversion and never mentioned anything in regards to the offer not being honored if you convert cards in lieu of opening a brand new account as my intentions were made clear the conversion was prompted in response to the offer. Chase pulled my credit and increased my credit line from XXXX to XXXX keeping it at the same APR. I inquired as to why my account received such a high APR as my credit scores range XXXX-XXXX and she was unable to answer me at that time. I received the new card in the mail on XXXX/XXXX/2016, noting that none of the offer information was included in the mailer, prompting a call into chase to understand why no benefits were disclosed. Chase, after the fact, informed me the card was not eligible for the offer and new APR because it does not apply to account conversions, a fact the representative on the recorded line failed to mention despite knowing my intent, and the facts were not disclosed in any of the terms and conditions on the website, mail advertisement, or verbally. I asked to speak to a supervisor XXXX XXXX, who was unable to honer the offer or correct my account. He informed me to " close my account and re-apply if I would like the offer, but warned I might not be approved again ''. As a result Chase Bank baited me into applying, pulled my credit, and did not honor the offer. This is a clear violation of the Unfair, Deceptive, or Abusive Act 's or practices law. I will attach the offer terms, screenshots, and items confirming at no point did Chase Bank clearly disclose my account was ineligible. I would like Chase to honer the offer terms and reduce my APR of 28 % to an acceptable rate inline with my credit score and income. I hope this prompts a class action lawsuit as many other applicant 's may have been harmed by Chase Bank 's deceptive actions. This is a clear " Bait and Switch '' and I spoke to the Bank to correct the issue prior to filing this complaint. The loss from this will be the {$650.00} in rewards points plus {$95.00} waived annual fee, and an unknown amount in interest due to the higher rate then advertised ( difference between an APR of 28 % and between 16-24 % that should be applied to this card type ). Chase Bank provided me a NEW account with none of the benefits and all of the costs without any warning verbally or in writing prior to causing harm.
In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and Transunion. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with XXXX XXXX. I tried disputing this with TransUnion again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. XXXX XXXX is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. TransUnion refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply report.
I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.