WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of the West never sent the Title for my Boat, Motor, and Trailer after I paid off my loan. I moved and am still in contact with the people living in my old house. They have not received the documents either. 

I 've contacted Bank of the West numerous times and the only thing I got from them was a UCC filing showing the debt satisfied and the lien released. 

I previously had this same problem ( no Title returned ) on a car that was financed through them by a dealer.
I have disputed the error of XXXX. XXXX three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX hospital. I have contacted XXXX  hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.
I was recently charged a large amount of interest on my Amazon store card. These charges were from the deferred interest from promotional purchases that have expired. I recently dug into the details of these charges and discovered that they give you the option to apply your payments to promotional purchases first, but you have to " opt-in '' to this on their website. I would have done this the entire time to avoid interest charges ( as I am sure everyone would ) had this option been made aware to me. Instead, the payment allocation method is set to " standard '' by default.
Seterus Inc. using deceitful tactics to get an extra payment on my mortgage. 
I am trying to sell my house. The title company sent a document for me to sign requesting Seterus company ( XXXX mortgage ) and XXXX ( XXXX mortgage ) to release payoff documentation on XXXX XXXX. XXXX XXXX sent the information within a day. Seterus company sent a confirmation that they received the document. The Title company never received the payoff document. 
We called today as we had not received anything and were told they had to confirm with me because it was not clear and the form did not have the word " release '' ( the form I used said " furnish the title company with the pay off quote '' ). Bottom line, it would take 2 weeks from today ( 10 business days ) to receive this document. That means my closing will be delayed 3 weeks and at that point a new mortgage payment will be added. 
I called in the afternoon to request a payoff sent to me so at least the title company can start working with the numbers and I was told I was not " eligible '' for a payoff request (??? ). I requested to speak with a supervisor and I was yelled at saying what part of no I did not understand and that a supervisor would tell me the same thing.. I was put on hold and then she hung up. I called again and was told the pay off request for the title company had been cancelled ( I assume the representative that yelled at me did it out of spite ). Thankfully the new representative XXXX XXXX was very kind and put it in the system again to order the payoff. Now it remains to be seen if I get one or not. 
I would also like to let you know that the last 2 years they have failed to pay the homeowners insurance on time, had the policy cancelled on me, and both times my policy went up because of it ... money that Seterus made me pay by increasing my monthly payment to cover the escrow deficit.
COSTCO XXXX & OPM SECURITY FAILURE. As a federal employee affected in the Cybersecurity Incident XXXX XXXX XXXX notice I was supposed to have a lock on credit. In XXXX XXXX I closed my COSTCO XXXX XXXX account. I asked at the XXXX XXXX store and was assured they would not issue another card. 
I am in receipt of a Citi COSTCO VISA card valid to XX/XX/XXXX, credit limit {$9300.00}, ending in XXXX. 
How was my credit report available to Citi VISA? 
Did XXXX violate my privacy and give my closed AMEXP credit information to Citi XXXX? 
How did the OPM cyber watch dog program fail? 
Did the lock ( XXXX XXXX ) on the credit firms ( XXXX, XXXX, XXXX ) all fail? 
How can Citi VISA just issue a credit of {$9300.00} to me without my request or permission, or any security on that credit? 

Which firm, COSTCO, XXXX XXXX, Citi VISA, is responsible for issuing a line of credit to XXXX XXXX without her knowing, is n't that ID theft? 
Who is using the XXXX XXXX account that I closed? Who accessed that account and how did they access that account?
Chase credit card provides an interest free period with the upfront payment of a transaction fee. The terms page with expiration date of the zero interest is at the end of the statement after the disclosures page and separated from the the main part of the statement. The expiration date for the interest free period is changed to blank on the statement for the month the interest is charged. However a zero percent interest is still shown. The expiration date for another zero interest advance is shown below it which can be misinterpreted as the expiration date for all advances. On the following month 's statement the advance amount is then placed in a different location showing the new rate. This is after the rate is charged. The changing of location of the advance amount, the excluding of the end date, along with a different date for another advance can make it confusing as to exactly when the interest free period ends. Other less significant information is more clearly provided. I have not had this confusion with statements from any other credit card companies. 
Upon contacting Chase, an agent offered to refer me elsewhere to resolve the problem. Later he stated he was aware that those alternatives were of no use. He stated that interest charges were not disputable. Several of my questions to him about disputes were not answered clearly or directly or were responded to with ambiguous terms.
I have contacted Experian about removing a judgement from my credit file. I did this a year ago and have learned recently that it is still on my credit report. The judgement was dismissed in court and should not be on there. I have attached the appropriate document as proof.
XXXX XXXX WAS NOT REMOVED FROM XXXX ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT
Recently have tried to contact collection agency regarding debt.

XX/XX/XXXX andXX/XX/XXXX certified letters asking to show me how they own debt.

Can they prove i owe it. how can this be I live in California. They were unable to validate debt except give me a bill. I've tried to dispute with credit reporting agencies. they said it was verified. that cant be because i verified by certified mail and they could not. verify debt. I sent multiple certified letters because on the 3 different reporting agencies they are showing different names and addresses it has caused a lot of confusion.

I sent a second letter asking a second time to remove if unable to verify. they refused by sending me another bill.

XX/XX/XXXX after their response I sent another letter stating if they can not validate or furnish anything then to remove debt. they refuse. I tried calling the hospital,. they will not share any information with me due to hiipa they said.

Ive tried calling them even the statute of limitations have lapsed. but still refuse they sai it starts once they post on credit report. however they have removed it then have reposted to my credit report. its a game and very aggressive tactic.. Ive called them about this. Their response was telling me that they can renew it by giving it to another company.

THEY REFUSE TO DISCLOSE ANYTHING THEY HAVE CHANGED THEIR ADDRESS THEY CHANGE THEIR NAME AND DO THIS SO PEOPLE MAY NOT DISPUTE CORRECTLY. ARE THE LAWS NOT IN PLACE PROTECT CONSUMERS?
The information on my Experian credit report is out of date. Also, there are credit cards on my report that I have never ever had. I never had a XXXX XXXX.
XXXX XXXX with CNP Solutions pretended to be an attorney and threatened to have our daughter arrested over a debit to XXXX from 2009. The amount he tried to collect is also XXXX the amount she owed.
My credit report has a debt from XXXX XXXX from XX/XX/XXXX. I have not been a customer of theirs since XX/XX/XXXX, and I am not sure why they effect my credit report.
I have contacted SW CREDIT regarding account ASSOCIATED WITH XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have faile to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft. There is no contract and furthermore I have not had any dealings with SwCredit nor the company XXXX it represents.
Hi.. This is a 5 year horror show. My loan was never late. It was paid from an automatic pay directly from my bank account. I was struck with XXXX in XXXX. I asked XXXX/Seterus about a mod. They said I 'd have to fall behind 2 months to apply. ( another story ). So after several months of trying to get off auto-pay, I finally feel behind. $ XXXX/month and I paid my taxes and Ins. Well since then I 've had several Mods. Some were voided because of incorrect info from XXXX XXXX XXXX, others were voided after I successfully made my Trial Payments. They added all kinds of Fee 's and my Priciple and Interest went up approx. {$15.00}. After XXXX years of paying my mortgage, my P and I is {$2000.00} more than when I started.. Now they have offered me another Mod. thru my HUD councillor. I 'm making these Trial payments now, so as to not forclose me. They added 10 years to my mortgage. 10 years. From a 30 year to a 40 years.. I need help.. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX
Yesterday, XX/XX/XXXX, I, XXXX XXXX, verified via Equifax website that I my personal information had been compromised as part of the Massive Hacking of their systems that started, according to your disclosures, in early XX/XX/XXXX. As per their advice, I sought free enrollment in the Trusted ID program. Yesterday, I was informed via Equifax website that I would receive an Email and enrollment instructions. Today, XX/XX/XXXX, I received those instructions in my in-box. I was instructed to submit the last 4 digits of my Social Security Number and Date of Birth. I did this and the system accepted this information but never moved on the the next page of the enrollment. I backed out and tried to enroll again. I was informed by the website that I had already enrolled and to login. I have never submitted a password or user name to your service in connection with this hack so i can not log in to the service. I then tried to change the password and was asked to re-enter the last 4 digits of my social security number and my Date of Birth. I did this and received the message back that the information I just submitted did not match their records. I was advised to telephone customer service in the message. I have now been calling customer service for hours. The line is always busy. I can not get through to them and have mailed a letter. meanwhile I fear my identity has been stolen since I it appears someone other myself has enrolled in the service.
In a moment of desperation I came across Ace Cash Express online and applied for an installment loan. i was happy to be approved as my credit is not great. i then realized what kind of interest and penalties this company was charging and i was appalled! I then qualified for a consolidation loan with my local credit union. XXXX XXXX XXXX XXXX XXXX. I had other loans to consolidate and when i approached these other institutions for a 10 day payoff they were compliant and helpful. When i attempted to receive my XXXX payoff from Ace Cash Express they were extremely difficult to work with. instead of an official statement with payoff and accounting they would only send me very vague hand written emails. this was unacceptable to my credit union and has delayed my ability to pay them off. and everyday the loan is accruing interest. i need all the loans paid off in XXXX shot with this consolidation loan, and Ace is stonewalling me from getting the proper documents. i called over a dozen times, spoke to numerous supervisors, and emailed them at the headquarters. i was still never able to receive a statement of accounting or an official 10 day payoff. i began to research this company and found tons of information about extortion and fraud they committed. Multiple fines from the California XXXX, and there is even a {$10.00} XXXX settlement with your Bureau of Consumer Financial Protection
This complaint involves three companies regarding the same debt : the original creditor, the collection agency hired to collect the debt and the law firm hired to take me to court.. 

Approximately 1.5 years ago I saw an account on my credit report for the amount of XXXX listed under a collection agency called XXXX XXXX XXXX XXXX. 

I called XXXX XXXX XXXX XXXX to inquire about the debt, they advised me that it was for a towing company called XXXX XXXX XXXX  in XXXX XXXX michigan. I updated my location information with the agency and requested validation of the debt be sent because they could only tell me the debt was for XXXX XXXX XXXX  and could not tell me for what vehicle, just that i owed a debt and demanded payment in full over the phone within the debt validation period. 

I called XXXX XXXX XXXX  directly for more details and they said i am listed with a collection agency and to call them and hung up on me. So the collection agency never validated the debt and the original creditor refused to answer any questions therefore the debt remains unpaid. 

XX/XX/2018, I received notification that i am being sued by XXXX XXXX XXXX  for for XXXX, the law firm handling the claim is XXXX, XXXX XXXX XXXX XXXX out of XXXX michigan. I contacted the firm and told why the debt was never paid and that and that validation of debt was never provided. they did not care. Despite reciting the mini miranda to me they then said that they are a law firm and dont deal with disputes or FDCPA practices which is false and missleading. 

My complaint is that I originally requested validation of the debt and i would have paid this when after receiving validation of debt. Pretty much, no one cares or complies with the FDCPA these companies think its a joke and remain unchecked. Had ann arbor professional solutions sent the debt validation when i requested it over a year ago this all would have been avoided. I do not feel protected as a consumer. I have just paid this debt, which still remains unvalidated along with legal fees in order to avoid having a judgement on my credit report. 

Summary Statement : As a consumer, my credit has been held hostage with the threat of having a judgement against me and wages garnished without the the debt being validated. Per the FDCPA, a collector may not demand payment or take legal action within the debt validation period, the debt was never validated therefore the debt validation period is still in effect. Keep in mind, I never received a first notice, it was i who seen the debt on my credit who inquired and tried to resolve debt. 

XXXX XXXX XXXX solutions contact info:XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX PHN # XXXX ( collection agency ) XXXX, XXXX XXXX  XXXX XXXX contact info : XXXX XXXX XXXX, XXXX   XXXX, XXXX, MI, XXXX XXXX XXXX XXXX contact info:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI , XXXX
Credit Service Company Inc. 
XXXX XXXX XXXX XXXX  XXXX CO XXXX Sent me a debt collections bill. I called and I told them that I had already paid that bill and I could prove it because the amount was removed from my bank account. 

They sent me another bill in the mail. I called them again. They said I needed to pay them within 24 hours or they would hurt my credit report. 

How dare they attempt to extort and terrorize me in that way. As if I could ever get my money back when they determined they were in error. 

P.S. I do have proof of payment and I can provide that as needed.
I was told that i needed to make my car payment on friday in order to not have my car repossessed. I made my payment on friday at XXXX. I was not told that it had to be in at a certian time. " XXXX the supervisor '' is who I made this arrangement with. " XXXX '' ended up going home early on friday and didnt call the repo company to cancel the repo order he already had put in, and wasnt supposed have even orderedto according to or agreement. That Sunday they repossessed my vehicle. I called them on Monday, the apologized for the error, I went to the car repo center and got my car back, no charge.since it was their error. Now they have me listed as car redeemed and account closed. I still drive the vehicle and i am current. They admit it was their error, didnt even charge me to pick it back up acknowledging it was their error, but refuse to remove the credit report entry stating account closed car redeemed amount due XXXX. I have asked XXXX XXXX to fix this, he submitted a request. I got the request back in the mail saying they stand by their entry and will not change it. I called XXXX XXXX and asked him again. he said he will not change it and it is accurate. I said then I owe you nothing since you say account bal is XXXX. I said you cant have it both ways. so, either it comes off or i owe nothing as the report says. he refuses to make it accurate. I need your help this is a major problematic company with an excessive amount of customer complaints.
The total of the classes I could not even attend at XXXX was only {$3200.00}, not {$4000.00}. I was driving back and forth from XXXX to XXXX every single day, five days a week or sleeping in my car when I had to because I could not afford an apartment in XXXX, but I really wanted to work hard to pursue my XXXX XXXX XXXX in XXXX, after graduating with my XXXX from the XXXX. I missed the first class of my XXXX and was dropped from the course, without notice. I was then told to register for a different XXXX, but it would mean paying another {$250.00}, which I absolutely did not have at the time, and could not get in any way, shape or form within the 24-48 hrs that I was told I had to pay for it. Therefore, XXXX dropped me from ALL of my classes, without my permission, and I lost my entire student loan. The whole situation is completely unfair. If I had never been unwillingly dropped from my courses, I could possibleIy be half way towards finishing my XXXX XXXX XXXX right now, at least. Since I can not do anything about the unfair experience I had at XXXX, I am willing to get on a payment plan for the actual amount owed, but I do not understand why it is reported as more than it actually is/should be. Completely ridiculous, especially for a young mother who was doing literally everything possible to pursue higher education, and make a better life for myself, and contribute more to society.
Hello, thanks ahead for your time reading this message I believe my line of credit was denied base on the amount of fund. First, Wells Fargo could not convince us to transfer our auto loan onto the LOC. They will have to reduce our LOC from {$20000.00} to {$10000.00}. Since they do n't make much money for any loan amount below {$12000.00}, the treatment of the loan was totally different from the earlier stage of application. It seem like they were forcing us to quit with the process, since they are not going to make much money. After XXXX months of submitting them every little piece of financial information that they needed, Wells Fargo rejected my loan application based on my loan to debt percentage. 
All of the information that they needed to determined this loan to debt ratio was provided for them from the beginning stage. How much we make and how much we owe could have been picked up during the initial application process. Our point again, Wells Fargo was forcing us to quit with the loan since the loan amount was small. At the end, Wells Fargo denied our application of a very weak basis that they have not explained in writing. 

We have tried to contact our loan processor, but our email was ignore. We were asking on the information that they used to determined my loan to debt ratio. We figure with our salary of over {$100000.00} a year, a mortgage less then $ XXXX, {$200000.00} equity line, we could afford another $ XXXX payment for the LOC of {$10000.00}. Apparently, not!
I told Equifax that XXXX XXXX XXXX XXXX XXXX TN XXXX does n't belong to me. After a long battle going back and forth they finally removed it on XXXX/XXXX/2016. I just repulled my credit report and they have it back on there. I told them it is not my address, I want it removed from my credit report. I am attaching the letter they sent me removing it.
Ocwen loan servicing has been returning my mortgage payments since XX/XX/XXXX, lastly I sent a Cashiers check of XXXX for a written agreement for a repayment plan. 

I am actually behind about {$8000.00} but Ocwen imposed penalties and late fees. I should not be penalized at all for this mortgage fraud since I was in Chapter XXXX bankruptcy. Also, in XX/XX/XXXX, Ocwen told me I needed to fall behind in payments in order to qualify for a Loan Modification. Now ocwen is threatening Foreclosure. 

Please add me to the Class Action lawsuit against Ocwen for Mortgage Fraud.