WillisBack/dataset-financial-user-claim huggingface dataset:
After paying Satander USA for nearly 3.5 years on a contract/agreement that I signed for a XXXX used XXXX XXXX back in XX/XX/XXXX. I thought I was honestly doing something good because at the time I put down {$1000.00} and I had a co signer. But the company took advantage and after nearly 4 years the told me I still owed almost {$12000.00}. The vehicle at the time was {$12000.00}. Keep in mind it had nearly 90,000 miles on it. Since doing a voluntary repo on the vehicle Santander has been reporting inaccurate information to the credit agencies. I havent been able to get the company removed from at least 1 credit agency. They had made it nearly impossible to do anything because for the longest no company would finance me for anything. It seems they had hidden fees that we didnt know anything about. Obviously after signing a 48 month contract with them and having the vehicle for nearly 3.5 years and still owing the original price for the vehicle something is going on. The company should be shot down and anyone with issues should be some type of harassment settlement. They called even after doing the voluntary repo in the vehicle to me and my co signer telling us that they would begin garnishing our wages and making threats to us both. I didnt know the laws at the time and that was after we gave the vehicle back.
Family stole property and bank accounts added their selves as benefiuaries. Of accounts opened safety deposited boxes in my name they been mail frauding me for benefits which im entitled.they been using ids.to get vehicals in my name tracking phone and email address to defraud i have no money and the banks aint giving me. No account numbers or calling me to recover property or letting me know of such fraud people that say their taking care of me is lying their stealing my mony for their own proper use i dont need a pay e or i dont neef nobody in charge of assest ssa has failed to give me payments and disclosures i would like all banks with.my social security number allowing such breach to others claiming gaurianship on my accounts trust and property i dont have a car right now i dont live in a house my address is XXXX XXXX XXXX XXXX XXXX  phone number XXXX XXXX XXXX their using my emai and adress to transfer money through accounts so once officers like me find peole.like that hold them accountable of all crown benifits under such allegations to defraud the system i dont have any access to any bank but XXXX XXXX. XXXX XXXX online and accounts shut down. XXXX  hasent allowed me access to accounts shut accounts down i dont have a credit card so findings on them. They need to disactivate morgages and property that got inheritef to me ii never got ihavent got no keys to owned property on XXXX XXXX XXXX i had a contract with XXXX XXXX  and housing authority on purshase of home my aunt XXXX XXXX and XXXX XXXX is stealing me and my brother and sister accounts off a pod accont owned by her but for the benefiuary of us and.my mother XXXX XXXX.she hasent gave us access to accounts in 18 years i would like checks from all claims and findings on tax returns any person playing victim and me incompetant in entent to fraud governments of the law shall be affaidat and tried through united states legislation
In late XXXX of 2016 my husband and I took out a bridge loan with the XXXX XXXX in XXXX, NM. This allowed us to put up our XXXX XXXX XXXX XXXX valued at {$550000.00} as collateral on a bridge loan of XXXX. We wanted to purchase a small home in a retirement community, which we did. We were told we would pay just the interest each month until the XXXX XXXX XXXX sold. This loan would be renewed each 6 months if the XXXX XXXX XXXX had not sold. Sadly my husband passed away at the same time the loan came up for renewal. Rather then renewing the loan, the legal department demanded a probate on the title, which even the probate judge said was unnecessary, also a new title search etc and all new closing fees. I also kept paying the interest each month even though during the whole 6 months I never received a single statement. The whole process seemed totally uncoordinated. They said they could not let me know in advance how much the amount of the payment would be because there were different numbers of days in each month. ( ridiculous excuse ). They have renewed the loan, finally which took two months due to all the legal hassel they put me through and now my credit report with Equifax shows a 100 plus drop from excellent to fair because they apparently repiorted failure to pay off on the loan which is totally untrue. I continued interest payments even when the loan had not been re confirmed.All during the time they were processing things I was getting threatening letters regarding paying off the loan balance. Each time I got a letter I called XXXX XXXX the loan officer and she would tell me to disreguard the letters, that they automatically went out. ( Really? ) Well now they have XXXX XXXX my credi which has always been " excellent '' and I still ca n't get them to send me statements or a coupon book or an email, whatever, to advise me of the interest and date for each payment. Please help me get my credit score back and get statements of some sort.My largest payment in a month is {$800.00} And it varies from that point.
I have had zero knowledge of this individual account. I filed a complaint. The company urges that the individual that opened the account is myself. I decided to check old notes from XXXX, a time in which I appointed someone to analyse my credit report and address all information therein and it appears that that individual spoke with the company and on recording, the collections representative threatened that without attempt for payment, nor providing of contact information that 'he ' would keep " clicking '' to run a credit report and repeatedly drop the score/rating. A supervisor was then requested in order to recount the experience with the representative and management at the time did nothing to rectify the situation. It was/is a blatant FDCPA violation to make such credit threats. Recently ( XXXX ), when I " personally '' discovered the account, Hunter Warfield 's account on my credit was disputed through Transunion ( via XXXX XXXX 's direct dispute procedure, ) as I shared with the credit bureaus as well that I did not open any such account despite what perceived evidences that company might produce. The item was removed after being found to be unfounded and shortly thereafter, said item was re-introduced to the credit bureaus, thus impacting my credit rating. I do not know why it was re-reported, nor do I understand why thus far this issue has been handled the way it has been handled.
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ERC XXXX} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious ERC I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I graduated from a graduate school with {$95000.00} owed in XX/XX/XXXX. I did n't know about interest rates which was 8 % and was told this was n't bad. I struggled a few years and the loan company was glad to help defer the loan for a few years. 
Since paying it back, I still could n't pay the full amount so they were also very willing to set me up in the IBR program, which I am still in. I have been paying back in the IBR program for 12 years and have probably paid close to the {$95000.00} if not more than I took out but I actually owe over {$180000.00} because of the high interest. 
In XX/XX/XXXX I met a third party company who promised me to get me into the PSLF, or the public service forgiveness program because I work in the medical field and provide a lot of public education and service. I paid them {$1000.00} and switched to another loan company, Navient from XXXX loans who said they would put me in this forgiveness program which is a 10 year program. 4 years later they tell me that I can not be in this program because my business I work for is not a non-profit, and the IBR payments that I had been paying which is forgiven after 25 years and I had been paying for 13 years, started over 4 years ago when I switched loan companies I feel that I have paid a lot ( as much as I had borrowed ), but I still owe twice as much as I had borrowed, and I do not see any clear skies in the future for me. 
Is there any help or advice you could help me with?
I inquired about skipping a payment. I was informed that it was a one time accommodation made to customers and it would have no negative effects on my loan with regard to additional interest and fees. Due to my lack of trust with these companies I still requested that the deferred payment be processed along with the next due because I didn't trust that they would uphold the agreement. I was again told that I had nothing to worry about and the final payment would be debited on XX/XX/2018. Payment was debited as scheduled for {$86.00}. All twelve payments have been made per my bank records. They are stating I owe and additional {$290.00} and asking me how I plan to get my account back in good standing. It is in good standing!
I am complaining about the fraudulent hard inquiry put on my equifax credit file by XXXX XXXX XXXX on XXXX XXXX, 2015. I have had never contacted them or being their customer in any way directly or indirectly and they have stolen my personal information and requested that hard inquiry. I contacted them several times but they are not responsive or helpful in anyway. I requested them to remove the inquiry but they passed me to Equifax while Equifax claims that they have no ability to remove that inquiry. I contacted them again and they are not responsive. I explained that XXXX needs to contact equifax business office to get that removed by they deny and deny anything they can do about it.
I was researching my credit report as I do every month and noticed an account from XXXX XXXX It stated that there was a late account from XXXX XXXX. I called XXXX XXXX and they stated this account was opened in my name in XXXX. On top of that is was even prior to my XXXX birthday. I already had this dispute removed with XXXX in the past but for some reason this came up again. I supplied them with my state id, drivers license and birth certificate.
First, I would to express my thanks an appreciations to Ditech Financial, LLC, CFPB, the senator 's office, the court and law offices the lawyers that have work so hard and continue to work in my interest believing in the United States ' justice system because it works and it 's one of the best justice system in the world ( I can attest because even though I 'm denied a " QWR to H.A.R.P modification request, the judges that have looked at my case have a cursor on the broken statue relating to my QWR request, but yet find prudence to bring about closure around justice denied in my case ). 
My complaint is thus : When my H.A.R.P modification decision be reach. If Ditech Financial will begin requesting the very same document/s submitted to as XXXX out of the range of what the law permits as in the XXXX XX/XX/XXXX case when XXXX ( XXXX ) represented me for a modification. This time during a recorded conversation on XX/XX/XXXX, Ditech reported that a " QCD/DD '' was the only data needed to be submitted to complete my file ( " Your file was rejected by underwriting pending the document '', the representative reported. Once received, the file is completed for underwriting result. 
This concern is a proven fact that is conspicuous in my case-file ( a fact that the bank/s and its ' entity will request for a document, and when one follow-up, the finding will be that the data was not admit receipt ). The next instruction after a document/s follow-up -- is to resubmit same multiple time despite an admitted conformation of the document/s date, time and station receipt. 
At this stage in the modification process, I 'm advice to undergrid the bank/s deceptive strategies in the banks ' written rules employ outside of the law that works. The act of an ongoing request for document/s and multiple resubmit requests to delay the time -line to process and reach an intervention within the Federal regulation parameter that works needs attention. Underwriting is the resisting department of moral laws vs rapacious/predatory knack to continue the delay schemes with an ultimate end being the very foreclosure that was to be remedy. 
Attached, please find copies of communications between XXXX, the court and my lawyer/s which are self-explanatory that is already part of the record of this rapacious skills, which include but not limited to : 1. Listing of requested Data QCD/DD dated XX/XX/XXXX 2. Email : XXXX XXXX XXXX XXXX motion granted to request modification ( Result : H.A.R.P modification to no avail ) 3. XXXX - confirmation for modification, etc.
Equifax Will Not Let Me File A Dispute. XXXX : After receiving 5 emails from XXXX that there was derogatory info posted on my Equifax report, I tried to view my Equifax report and file an online dispute with Equifax. I entered all requested info on the Equifax form multiple times [ name, SSN, address ]. Each time I was given a page of 4 multiple choice questions to verify my ID. Each question asked about credit cards I 've never had, banks I 've never heard of or dealt with. I 've never had an auto loan in my life!. I completed my last XXXX in XXXX and have no outstanding student loans. So the correct answer to each question was " none of the above ''. That generated a page saying " Unable to Confirm Identity ''. Tried spelling my name exactly as it is on my SSN card [ slightly longer ]. Now Equifax could n't find my file & did n't even offer security questions. Friday XXXX, I phoned Equifax with these problems. Spent an hour talking to 3 ladies in the XXXX, including the supervisor. She said she filed the complaint for me and gave me a 10-digit confirmation number. She could not mail me a copy of what she wrote down as my complaint, so I could be sure she got it right. Tried entering the XXXX digit confirmation number today at Equifax site. Got " Unable to process your request '' .Help!
The firm Pressler & Pressler is harassing me treatened they are keep sending letters from a debt collecting agency they never rest knowing that they put false default judge against myself in the court which they probably file online, they is money randomly from people who work hard to pay their bills, I already prove them that the false statement of the debt is not mine they took {$450.00} from a bank account I had with XXXX XXXX the motor vehicle send me a letter that I can not do noting with my car, I have my mother sick also I got to helper.
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, XXXX5 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the XXXX period * Prove that you 're a licensed debt collector XXXX Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX XXXX XXXX then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : Violation of the FCRA, Violation of the FDCPA and Defamation of character. If your agency can provide me with the requested documents, I will need minimum XXXX days to investigate this information, and during this period of time, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. If your agency/company fails to respond to this debt validation request within a period of XXXX days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
I AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX  # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.
I started at XXXX XXXX XXXX in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to XXXX first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto Navient and added more money.Now Navient is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay Navient XXXX for money that I did not borrow. I 've ask Navient for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and Navient and XXXX. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as XXXX taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with Navient so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that Navient XXXX and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and God Bless.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. 

They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.
The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.