WillisBack/dataset-financial-user-claim huggingface dataset:
they repossessed my car after one late payment. they switched companies without my knowledge. it was XXXX XXXX when i got my loan.it is currently first southwestern financial. i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about XXXX witch is incorrect it was only around XXXX they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.
these accounts have been reported on my credit are not mine this company has received the police report and id theft affidavit along with my identitfication i have attached it via the cfpb and I have emailed it as well and they have refused to recognize or recieve the information that has been sent to them regarding the accounts with their company that are fraudulent
Cavalry has been reporting erroneous debt information on my credit report and refuses to validate the debt. I have contacted them numerous times, most recently on XX/XX/XXXX and XX/XX/XXXX and still have not received validation and they continue to report and resume collection activities, all in clear violation on the law.
This complaint is submitted to force an inquiry into both Fidelity National Title and XXXX surrounding the events leading up to the refinaincing of my home located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

Short backstory : Initially I had erroneously thought that the continuing problems and erosion of my credit standing was due to the negligence of XXXX against whom I had lodged a complaint with the CFPB and the Texas Department of Savings and Mortgage Lending. After my complaint was received by the aforementioned agencies it was found that XXXX Committed no error in its reporting against my credit, nor in its handling of the payoff received from XXXX. 

After more months of waiting/searching for answers seeking legal consultation, I reached out to XXXX during the week of XXXX XXXX, XXXX and spoke with them. They relayed what I had heard before which is that Fidelity Title failed to request a new payoff statement prior to closing on my home in XXXX of XXXX. Had Fidelity National Title requested a new payoff, they would have found that taxes were paid between the time of the payoff statement and my closing in late XXXX XXXX XXXX. The bottom line is this : Had Fidelity National Title done its due diligence and requested a new payoff statement, they would have seen taxes paid and my refinance could have been pushed back a few days to make adjustment on the final closing figures. Instead, no one at Fidelity National Title of XXXX thought to go back and ensure the payoff statement was still good and the result is the credit of me and my wife being ruined and XXXX Mortgage wanting full payment of anywhere from {$4200.00} - {$7600.00} depending upon what document I look at. Either way, this could have been avoided and I am asking for an investigation into this matter to bring to light who dropped the ball and why. Moreover, we sold the house in question in XXXX XXXX and Fidelity National Title is pushing the matter off on to the buyer 's title company ( they had nothing to do with this matter ). There are no, nor have there ever been any liens against the property and consequently, the other title company being pulled into this mess has no play in this matter. 

This matter has so devastated my credit and my standing with the VA ad a XXXX veteran that I can not obtain a mortgage that will put my family in a better financial position. 

The entities in question are : XXXX XXXX, Fidelity National Title, XXXX FM XXXX, XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX and XXXX ( he is a manager ), XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AR XXXX ( XXXX ) XXXX ; have only successfully reached this guy once ( perhaps twice ), but he knows a bad payoff statement was used and has n't returned any of my calls since.
I have sent several requests to Experian to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' Please help me resolve this issue.
I represented the borrower, XXXX, in his foreclosure action, which has now been resolved through a permanent modification. Despite repeated requests to his mortgage servicer Chase and to their attorneys, I am still receiving his mortgage statements each month. This is problematic because XXXX needs to know how much his monthly payments are and what is going on with his account, and should not be stuck waiting for them for an extra week while the statement makes its way to my office first and then has to be resent to him at the property.
I have been paying monthly to XXXX on a closed account however they sent me to collection agency anyway. I have not even received a bill from collection agency as of yet to even have info to send a payment and just paid {$100.00} to XXXX in XXXX. This collection agency calls me XXXX times a day using various numbers. I have spoken to them advised I had been paying an amount each month that I could afford although I am out of work due to illness. Agent advised the amount I was paying was not enough and they would continue to aggressively seek a higher amount. I 've asked they stop calling because I was aware and paying what I could. They advised they would continue to call everyday until I set up a payment plan that was significantly higher than what I can afford at this moment!
In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.
I have a checking and visa account with WellsFargo. 
My payment to the visa account is an auto payment for {$400.00} a month sent out on the due date of the XXXX of each month. Due to the bank being closed on a holiday, rather than the bank pulling out the monies prior to the date, they assed me a {$27.00} late fee. I complaind and it was returned. I contacted them to fix it so no late payment is ever assessed moving forward and they wont. I 've tried to do it on my own in the past and ended up messing up my payment schedule. I 'm banking with them and they will not fix it as I have requested. If they do this times multiple people they are making a bundle on something that could be fixed digitally without ever creating a late fee.
After viewing a copy of my credit report, I noticed XXXX collection accounts placed on my credit report from XXXX XXXX
I am unaware of any outstanding medical bills that I possess, and I have sought the name of the hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.
Three letters have been sent XXXX XXXX in regards to verifying these account in regards to any contractual agreement that I have directly with XXXX XXXX. The final letter was sent via certified approximately 35 days upon no receipt of requested information.
Experian has also failed to mail me any information regarding these accounts are factual. Representative failed to listen to my attempts to contact XXXX XXXX and insisted that I continue to do so regardless of many failed attempts.
I.Q Data International collecting a disputed debt on behalf of XXXX XXXX XXXX XXXX, has reporting an amount due as delinquent debt to the credit reporting agencies. The contested debt is basically for " pest remediation '' and the lease provides that such amounts are chargeable only based on the " negligence '' of the tenant. The disputed debt is therefore not a voluntary credit transaction under CA law. XXXX : XXXX case. 

Nonetheless, I offered to pay the full amount of the debt upon the offer of the IQ Date Intl agent that she would remove the tradeline. However, the agent said this offer was only available if paid within the next hour. I requested that the terms of this agreement be put in writing and then I would pay the debt so as to remove the tradeline. The agent refused to send a offer letter, or letter confirming the oral representations. She also failed to provide the mini miranda disclosure and said she only needed to make that disclosure on the first call with me earlier. The agent also acted in a rude and unprofessional manner and essentially hung on me.
My mortgage lender CitiMortgage is refusing to allow me online access to my mortgage account.
I leased a vehicle through XXXX and Santander Consumer USA is the lessee As an XXXX driver I the agreement is to make weekly payments with the proceeds from XXXX trips that will be paid directly by XXXX technologies. 
The method of payment agreed upon by Santander Consumer USA is to have the payments for the car deducted from my uber account every week. 
I missed a few payments and the car was repossed leaving no way to work or pay the money owed!
I am filing the same complaint again for resolving my issue about fraudulent practises of bank of America mortgage.I need help from CFPB to resolve my issue. What they were saying was wrong about my complaint .when i applied for the disaster forbearance they did not say that i want to participate in the modification program.The customer service agent told me that they will extend the mortgage for extra 3 months. If they told me that i need to participate in the forbearance plan i will not take part in the disaster plan. 
Mortgage company resolved the same issues by extending the loan for extra 3 months.why they are not doing this for me? 
I strongly believe that if i took the modification program they can not cancel my PMI, and if they extend the loan like all other companies did, then i am not at default with my loan and they need to cancel PMI.
My father bank wired {$5000.00} to my Coinbase account on XX/XX/XXXX. Due to a name mismatch, Coinbase sent me an email on XX/XX/XXXX stating that the bank wire would be reversed and that the funds should be received within 7 business days. As of today, 23 days later, the funds still have not been received. 

I 've tried to contact Coinbase directly about the issue. In response, they sent me an automated message stating that all wire transfers were being delayed. They did n't reply to any of my further attempts to contact them about the issue. 

I 've also tried contacting their associated bank : XXXX XXXX XXXX in New York. They were unable to help me other than to tell me that I had to contact CoinBase directly because they had not yet issued the reversal.
On XX/XX/XXXX, I requested Experian to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Experian a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,
In 2016 in XXXX I found that due to circumstances beyond my control that I would be unable to pay the county taxes. Being in a Reverse Mortgage situation, I knew that this was part of the contract and before it became critical I called Reverse Mortgage Solutions ( RMS ) to get advice. While on the phone I was told no problem that they would pay the remainder of my taxes that week. For me this was a big relief since I knew that I was going to be on a long road with the medical issues I was/am still having. <P/>The taxes were not paid until the end ofXX/XX/XXXX of XXXX. The next thing I know I am put on notice that I must pay back the borrowed money or I could lose my home. <P/>I went through a legal aide at a local University. Thanks to two other resources they paid RMS back. <P/>My complaint is this RMS never would put you through to a supervisor and the communication was difficult. Every person you spoke with gave a slight difference in what was going on with my case. <P/>When RMS paid the taxes part of that money was from the last draw I had. They are now charging me an interest fee and administrative fees. <P/>My financial counselor tried talking to a person on the phone and got nowhere and then asked for a supervisor to call and to date no response. <P/>RMS through this whole process has been difficult to work with. Some examples telling us to talk to a certain person and that person never materializes. Sending back checks that were to pay them for they had to come in on the same day. Miscommunication on verbal and written statements, such as you have a draw you do not have a draw and my signature does not match. <P/>I would appreciate you looking into this matter so I can get closure. I will be enclosing the last statement and the one that shows I had a draw. <P/>I am going to be in a very difficult situation come XXXX and the taxes for I am going back in the hospital and do not know what to do as far as my RM. <P/>RMS charged fees in the amount of {$790.00} for inspections and appraisal that will need to be paid eventually. They are telling me they had no choice due to HUD regulations but to move quickly on the inspection and appraisal once they paid my taxes. However, they never communicated clearly that by paying my taxes my loan would go into default. I never would have asked them to pay the taxes if I knew this would happen. I do not feel I should have to pay these fees. <P/>Additionally, I now have a negative " Net Principal Limit '' which they can not clearly define what this means for me and I would like clarity around this.
ERC is attempting to collect for XXXX XXXX. This debt is a result of window shopping for cellular service. XXXX XXXX acquired and ran a credit check. But after some thought service was not acquired. XXXX XXXX has charged me for services that were never used or activated. ERC may do some research see that XXXX XXXX falsely charged me. XXXX XXXX has been contacted but never responded to my complaint.
The TransUnion credit freeze website has been down since yesterday XX/XX/18. I have checked multiple times on the status of the credit freeze site and it is still down. It makes no sense for a law to be passed for free credit freezes if it is impossible to access the site to freeze your credit.
My property at XXXX XXXX XXXX XXXX, XXXX, Tn XXXX was vandalized back in XXXX, I filed an insurance claim with XXXX XXXX. XXXX sent the insurance check to XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX. I was also in the process of doing a loan modification on the house because my brother moved out and I could not pay the mortgage for that property and also the property where I reside currently. Needless to say, XXXX XXXX XXXX never gave me the check for the repairs. Soon after, they sold the mortgage to Select Portfolio. I tried to sale the property and when I got a contract, codes ended up demolishing the property before my closing date. Now, there is no property ... but I still get mortgage payment requests, calls from SPS, my credit over the years has been destroyed and now I have a lien against the lot for the demolition! I do not know what to do at this point! The mortgage company will not foreclose, they will not allow me to surrender keys, I can not file a chapter XXXX at this time either. I am seeking guidance on what direction to take to file suit against the parties that caused this adverse affect on my life. SPS were made aware of the demolition at lease 90 days prior to it happening and they were also aware of the insurance money being held for repairs! I tried for years to get the money with no success so that I could make repairs and put a renter in there to start paying the mortgage! XXXX I told them I would be seeking counsel, they sent me forms informing me that I should get a quote from a contractor for repairs in an amount close to {$9000.00}. This was after the property was demolished. Please help me!!
I applied for credit with XXXX XXXX expecting them to run my credit with XXXX for financing. They initiated XXXX inquiries to obtain financing for the vehicle. This was not disclosed to me. It has damaged my credit for over a year now. Businesses should not be allowed to do this without first advising consumers what they are going to do and what the impact of that can be on them.
This is Part XXXX of case number XXXX.SunTrust has cancelled the subordinate DOT on XXXX XXXX XXXX, thanks to you all. However, they sold my property at XXXX. They keep on passing it around amongst themselves. I am sending copies of the original deed to prove that the land was never financed or signed off to anyone by me and that it was given to me by my mother. The loan ( {$38000.00} ) that SunTrust alleged that I borrowed never happened. I tried to tell them that during their merger with XXXX some papers got mixed up. Thank God that its been almost 15 yrs and I am still holding on. The letter that SunTrust wrote dated XXXX XXXX, XXXX is fabricated. On XXXX XXXX, XXXX we did n't have a primary residence and the {$37000.00} was part of the original construction loan of {$140000.00}. I 've never been a landlord nor have I ever owned rental property. The {$37000.00} was paid off whenever XXXX XXXX took over the construction loan. I sent you a copy of the Cancelled DOT in my XXXX complaint. How could they refinance something that was paid off? Where did the commercial loan come from. I 'm sending you a copy of the original deed. It 's all residential and never been listed as commercial land. XXXX buyers of the land were fooled by SunTrust and bought the land but got a full refund. It 's just a little under an acre ( XXXX acres XXXX but it was my mom 's and she passed it on to me to have to keep her financially secure if I needed to. My mom passed XXXX XXXX, XXXX. I would n't sell that land for anything. SunTrust kept threatening me over and over again about signing a new note. The note that I signed in person were in the amount of {$37000.00} and I never seen this XXXX for the {$38000.00} until later. I told the Bank that I never signed a note stating that I borrowed that money for rental or renovation properties. This has been a nightmare ever since those banks merged. I never had a proper closing, my attorney died, my builder had to move on to another job out of town, the company that sold the house filed Chapter XXXX and we had to apply to XXXX County for a Certificate Of Occupancy to move in our new home. We were homeless and nobody seemed to care. I did n't know about real-estate loan but I do now. I hope that everyone can understand that this was XXXX big mistake. I only signed for the {$37000.00} loan. Everything I have said it the truth. I have repeated this over and over. Please have SunTrust to give me back my mom 's keepsake and our monies back. We are in the process of refinancing our mortgage loan to a fixed rate now because the subordinate loan was removed. Again, thanks a XXXX times for listening to me. I have more papers if you need them. I have been collecting them over the years. I am sending a list of the checks I 've paid to SunTrust over the years. I had to stop paying them so that I could get some help or at least get someone to respond to me. It has cost me hard ache, pain and financial hardship but I got to someone who will hear my plea. Again, thank you all very much for everything that 's been done so far.
XXXX XXXX XXXX has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. XXXX XXXX XXXX has single handily kept me from getting into a new home! Please help
Partial account # XXXX. I recently discovered that Home Depot/ CITI BANK reported to the credit bureaus that I was 30 days late for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted Citi Cards on or around X/XX/17 and explained what happened and they initiated investigation. On XX/XX/17 I called CITI BANK and they advised after conducting their investigation, they would not be fixing the error. I have checked my back statements and made the following payments and was never 30 days late. X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITIBANK on X/X/17 ) X/XX/17-made payment of {$140.00} ( on-line payment # XXXX ) X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITI BANK on X/XX/17 ) These inaccuracies reported by CITI BANK has caused my credit score to dropped my score dramatically. They do not seem to care.
I was denied a loan by Goldman Sachs Bank after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.