WillisBack/dataset-financial-user-claim huggingface dataset:
As of XX/XX/XXXX, my car loan with XXXX XXXX XXXX   XXXX XXXX has been paid in full. I requested a copy of my title, from the XXXX XXXX XXXX XXXX XXXX Title Department, and although they have the correct address on file, and I have been receiving correspondence from them at the correct address for nearly 3 years, they have the incorrect address on file. When I asked them to update it in the system so that : ( 1 ) The title can go to the correct address.

( 2 ) You already have the correct information in your system, and have been sending correspondence to the correct address for nearly 3 years. 
The customer service representative repeatedly made excuses, and tried to send me to other departments to resolve the address change issue. I had already reached out to XXXX XXXX XXXX 's customer service, multiple times over the course of days and all of the customer service representatives prompted me to reach out to the Title Department. The XXXX XXXX XXXX Title Department representative continued to be combative, argumentative, and rude and downright refused to make the change. When I also refused to continue to be sent to another department, she again changed her story and said the DMV would have to change the address, then she changed her story and said although the address on the title is incorrect, XXXX XXXX will indeed provide the title to the current address when it is sent out on XX/XX/XXXX. I asked her to provide that information in writing so I can notify my car insurance & attorney and she also refused. She then created yet ANOTHER story saying " The DMV will have to update it ''. Well the DMV has had the correct address on file for the past 2 1/2 years with no problem so why is it not reflecting on the title? She then placed me on hold claiming to have talked to her supervisor and " there is nothing they can do ''. If I did not pay for my loan, there would be something you can do? If I missed a payment, there is something you can do. Why not now that the loan is paid in full? I did my part. I paid my car loan in full, and all that I am asking is for them to update the address on file, just as I did nearly 3 years ago. With the XXXX XXXX Title Department 's office hours differing from that of customer service, and their refusal to do anything to help customers, it is certainly no surprise I am having to deal with this. It is unnecessary and a horrible display of customer care.
The Law Firm Howard Lee Schiff has been collecting a debt for me for a XXXX credit card that I opened with XXXX XXXX store in XXXX, CT where I bought a TV back in 2009. I payed the remainder of what I owed with cash since I had just got married so I had cash on me. Never thought anything of it to save any paperwork since I just thought it was settled. Then the company I bought the TV from went out of business a few weeks later after I paid the TV off in cash. Next thing I know I'm receiving collection calls from XXXX saying I owe a debt and now interest. I refused to pay and then I started receiving collections calls from Howard Lee Schiff which I also ignored because I knew I owed nothing. That was a big mistake because they ended up suing me and took all of my money in the bank which left me no money in my bank until we went to court. This was years ago so I don't have exact dates and times. However I'm still being harassed from these people after we settled that I pay {$30.00} a month which I've now paid the TV over 3 times now. Somehow I see the last owed amount and it's at over {$1900.00} which is absolutely fraud. That's how much the TV was when I bought it 10 years ago! This has to stop as all I do is continue to pay them and the amount continues to go up. It's disgusting that these people get away with this.
I registered, couple years ago, to take some classes at XXXX College in XXXX ( Illinois ) and I should mysellf pay my tuitions of $ XXXX.Unfortunately, I did not take those classes. 

Later, I received a bill from the college and went to dispute with the college direction. I was told that I have to pay it accordingly to their policy. I asked to see the policy there was nothing backing their reason. 
On XX/XX/2016, a mail came from a collection agency in XXXX about this matter and wrote a dispute letter in between 30 days. I did ask again the policy backing the reason I have to pay the tuition for those classes. 
About 40 days after my letter disputing the debt, I received a mail from the agency said that they are still investing on it and they 'll be soon in touch with me. 
As of today, I have n't received the results of their investigations, the agency has already sent the report to XXXX and to XXXX.
A judgement on my credit was satisfied XX/XX/XXXX. I have faxed the court record proving this to XXXX and Equifax. They both told me that the judgement would be removed but they fail to do so. I can not get a loan because of their lack of follow up and I am facing eviction as a result. I am a XXXX American and need assistance immediately in getting them to repair my credit. I need assistance in getting them to repair my credit so I can get a loan at my bank. I have XXXX in real estate equity that they are preventing me from accessing. I have called them numerous times asking for assistance. They assure me each time that they will repair my credit immediately but when I check XXXX the judgement continues to appear. The credit bureaus say they are waiting for the courts to respond to them. I have spoken with the courts in the state of Washington and they are not in the position to respond due to work load. Therefore, I faxed the satisfaction of judgement to the credit bureaus and they fail to respond. This action on their part is causing me financial loss, impacting my health and will cause me to be evicted. I am filing this complaint in order to get assistance with the difficulty I am having with the credit bureaus. My residence is scheduled to be sold on the Sheriff 's Auction in less than 30 days. The credit bureaus will be held solely responsible for my eviction if they do not cooperate.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX claims that I owe a debt of {$420.00}. However this was a mistake made by XXXX XXXX. The debt wasn't mine until I attempted to pay a portion of the debt for a friend. XXXX XXXX claims that the debt was switched over to my name and the process couldn't be reversed. So XXXX XXXX called several times in an attempt to collect the debt that I do not owe. 
When contacting XXXX XXXX the second time I was given different information. Now XXXX XXXX then claimed that the debt was over a check that was never cashed. So I do not know why I would have to pay {$420.00} for a check that had a stop payment placed on it and was never sent through XXXX XXXX in the first place.
They closed my account after I sent a payment and thought I had the funds. They honored the payment before they honored the deposit I made to cover the deposit. When they closed it they said I must put in the amount to cover the overdraft line of credit and I did that. After that I accidentally put an extra {$300.00} in the account. I 've asked them XXXX time to return the funds and they have n't. They keep claiming that they are going to review the account tomorrow and then return my funds. They have said this twice now.
Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report
On XX/XX/XXXX17, debt collector stated that they could not determine the schedule of direct deposit payments even though a copy of the monthly statement from my personal checking account was provided two days prior. Debt collector also requested copy of entire XXXX in order to estimate average income even though total household income was provided weeks previously. I believe they are delaying the repayment process in order to to real more interest against the account. Current debt has ballooned over {$50000.00} since account was transferred to XXXX XXXX and they have not clarified the schedule of interest applied to the original loans. They also call my cell during the week and weekend at all hours of the day from two separate numbers.
I Received A Letter From Phoenix Financial Services LLC, Dated XX/XX/XXXX... Noted As A Second Request ... Never Received Any Prior Corresponces Or Telephone Calls From Phoenix Financial Services LLC ... .Stating They Was Contracted By XXXX XXXX XXXX To Resolve A Debt ... After Checking XXXX XXXX, I Found This Was Listed On XXXX And XXXX As A Collection Reported On XX/XX/XXXX ... I Have Disputed This Negative Collection Thru XXXX XXXXWith No Resolution ... I Have Never Had An Account With Either Of These Collection Companies Listed ... They Also Have Listed On The Back Of The Letter ... An Original Credit Listed As XXXX XXXX XXXX ... Which Was Lasted Reported On XX/XX/XXXX ... Never Giving Any Information As To Them Being The Rightful Owners Of This Alleged DebtOr Entering Into A Signed Contract With Me In The Payment Of Alleged Debt.
Address shown is not mine nor was it ever, I have requested this be removed but it still appears.
I bought my house in XXXX XXXX, with an FHA program, it was financed with Bank or America ( not my choice ). XX/XX/XXXX BAC sold my mortgage to XXXX XXXX XXXX. In XXXX XXXX I received my statement from XXXX with a late charge of {$27.00}. I called XXXX and asked about this and was told by the consultant that it was a late charge from Bank of America. I have not had my mortgage with BAC for over a year. I am disputing this charge with XXXX in writing with a letter. I am disputing this charge with BAC through you. I have no date or explanation of this charge. I do not owe BAC anything.
I disputed this account recently letting them know that this is incorrect reporting and requested verification of the debt. They have told me they've verified the debt however have not provided proof of the verification or of original debtor verification. I have made the request twice within the past 5 months.
I am a victim of identity theft. The following credit inquiry on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : XXXX
I received a house that i lived in with XXXX XXXX XXXX after she passed away along with her son through her will, missed no payments, but after sending in a payment to Ocwen Loan Company, had the payment sent back and was told the house was going into foreclosure because the payments were behind, what they did was funneled two of my payments into escrow and when i sent in another payment, the sent it back, would not accept any payments, and started foreclosure, for several months they would not even talk to us about the account because we were Heirs of the property. We filed Probate, sent in all the appropriate information which they repeatedly told us the did n't receive, even told our Attorney the same several times after she sent the information to them, they added several thousands of dollars to the account in fees, and we still ca n't get any resolve, there is a class action settlement suit filed by The Consumer Financial Protection Bureau Case No. XXXX for these same actions on multiple other accounts. We filed numerous loan modifications which we never got responses to, we have tried everything that we know to do to resolve this issue with no help at all from Ocwen Loan Company.
On XX/XX/2018 I notified Transunion of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the public record information in the report. On XX/XX/2018 Transunion submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed and that the name and contact information of the furnisher of information was on the report. The report listed the two public records and the bankruptcy court as the furnisher of information. The bankruptcy court for the XXXX XXXX of Louisiana has informed in writing that the court neither verifies, confirms or reports information to credit reporting bureaus. Moreover, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and also prevented the verification of the public record which Transunion claims to have verified. Transunion has failed to verify the information as accurate and therefore the records should be deleted. 
After receiving the verification from Transunion, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Transunion 's assertion that the public records were verified is dishonest.
I have a foreclosure on my Experian credit file with XXXX. The last activity date was in 2006 which puts this item THREE YEARS outside the federal obsolescence date. I disputed this item and it remains on my file. Federal law ( FCRA section 605 ( a ) ( 4 ) indicates that items that " Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years '' can not remain on my file. This is a violation of federal law. 

The account number of this item is XXXX
I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Synchrony via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
XXXX XXXX  XXXX ( XXXX ) sent credit card bill via email and I missed seeing it in mid XXXX. I also thought I had closed the credit card in XXXX. 

XXXX sent a subsequent credit card bill via email and I followed up to find out what the charges were and to make sure the account was closed via BOA customer service ( early XXXX ). The {$12.00} bill was paid and then XXXX closed the account. I thought all would be well but there is more I was notified around XX/XX/XXXX via a Transunion alert that my credit score had dropped 110 points due to a delinquent account. I subsequently confirmed it was this XXXX credit card. 

I sent an email to XXXX asking for an investigation and to see if they would remove the report for the late payment/delinquent account to the credit bureau on XX/XX/XXXX. On XX/XX/XXXX, XXXX at XXXX informed me that the payment was late ( true ) but that there would be no forgiveness on their part. 

Request : Given my credit history and I believe not a single late payment in the last seven years and perhaps longer, I am asking for the CFPB to ask XXXX again to remove the reporting of a late payment from my credit report given the small amount. I realize that XXXX  does not control credit scores but a late payment on a {$15.00} credit card bill should not cause a credit score to drop by 110 points.
I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED CASH FORWARD MASTER CARD. STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT RECEIVE MY STATEMENT FROM XXXX MONTH. I REQUESTED SEVERAL TIMES BUT TILL TODAY I DID NOT GET. ALTHOUGH I PAID ALL BILL ON TIME. CUSTOMER SERVICE OF THIS BANK IS VERY BAD. THEY HAVE NO RESPECT FOR CUSTOMER & THEY DO NOT CO-OPERATE WITH CUSTOMER.
I'm having a issue with XXXX XXXX a Comerica bank this card was provided by Social Security Administration an MY issue is that I purchased a item AND because I'm parsuly XXXX In sted OF getting 1 I HIT 3 and when I figured this out 5 min. latter I cancelled 2 OF them AND this happened on XX/XX/2018 an WISH told me that they would issue a credit within 14 days LIKE there policy states. An then I have gone back and fowored with this online com. Called WISH SO on XX/XX/2018 i called XXXX XXXX to file a complaint an they told me that they would send me a form so i could dispute this issue i never received the letter so i called them 5 more time an they would always say that they would send me another form AND TILL this day I have not received anything, AND remember that I'm in a budget because I'm XXXX
I financed a XXXX XXXX XXXX on XXXX/XXXX/17. On day 4 of having the vehicle, we was spelling raw fuel and noticing that it was burning more fuel than it should, we took it back to the car lot, who had us take it to a dealership for a smog test, came back that it needed filler neck and then repeat smog test for further issues, the car lot, XXXX XXXX XXXX XXXX XXXX XXXX, had n't her mechanic fix the vehicle, but did n't send back for repeat smog test, however, it was worse after the fact, after about a month, the air conditioner stopped working, we have tried to work with XXXX but there is nothing more she can do. So I started calling the finance company, United Auto Credit, to try to get it worked out, they are n't really working with me other than for me to try to trade it in which no dealership wants it or to give us enough to pay it off, they offered a settlement offer is someone wanted to buy it, but no one wants to buy it, and has said they really have us stuck in this upside down, meaning we paid too much and are getting XXXX I tried explaining to them that the dealership mechanic said it is dangerous to drive this vehicle due to the fuel evaporating or leaking, someone could flick a cigarette or something and boom, I 'm dead or burnt up in the hospital, this is very dangerous and does n't keep fuel in it, we have to get fuel daily and it still disappears after driving a few miles, it is really breaking us to keep fuel in it and we just want out of this loan, and for it not to go on out credit, making the payment is no issue, but when u have a vehicle with the serious issues this has, it 's not acceptable, I could understand the air conditioner, that is nothing, but to be told that it is dangerous to drive, that 's a big problem, I have spoke to the finance company on several occasions and to different people who say something different every time and no one is on the same page and they are making it very difficult as if the situation at hand is n't enough. I 'm scared to drive this vehicle. We lost a vehicle that was paid for in this as well, with that loss and the fuel, and repairs, and making payments, in the 3 short months we are {$5000.00} in the whole. We just want to get this resolved, whether it be wrote off as satisfied or another vehicle, or just out of it with our money back to get another vehicle.
1 ) I was self-employed and unable to make my mortgage payments after living in my home of 15 years.    2  )  XXXX ,  XXXX , I became employed   XXXX   XXXX   as a  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX  and requested assistance from my mortgage lender,  XXXX   XXXX   XXXX  to do a loan modification.    3 )   XXXX ,  XXXX , while in the middle of completing loan modification paperwork, my mortgage loan was transferred from my mortgage service provider,  XXXX   XXXX   XXXX   to Penny Mac. This ca used a delay in me being able to complete the loan modification paperwork and my house was put into foreclosure despite me processing the paperwork because despite my new employment, I was n't able to get the past due payments caught up. I was told I had to redo the loan modification paperwork fo r Penny Mac.     4 )   XXXX ,  XXXX , I completed  Penny Mac 's  loan modification paperwork and began to make the trial payments.    5 )   XXXX   XXXX ,  XXXX , I had to take   XXXX   leave of absence from my  XXXX  job. My employer began arguing that I did not qualify for my short term  XXXX  benefits even though I had been paying into the benefits from the first day of hire.    6 ) Late   XXXX ,  XXXX , I was approved by  Penny Mac f or the loan modification program upon making my  XXXX  payment. I was told the paperwork could take up to 30 days to arrive to sign and finalize the loan modification.    7 )   XXXX   XXXX ,  XXXX , my income dropped substantially making it impossible for me to make the  XXXX  payment.    8 )   XXXX   XXXX ,  XXXX ,  Penny Mac  sent me a mortgage statement billing me for the full past due amount, stating my " ... loan is severely delinquent, and as such, foreclosure action has began ... '' I was not even given 30 days before they moved my loan from loan modification directly into foreclosure.
I recieved a preappoval letter from OneMain Financial in XXXX. I then applied in XXXX and was approved pending bringing in a vehicle title for my XXXX. Because of the holidays it longer than expected to get my title. Once I received the title I applied for the loan from OneMain. I received inconsistent statements from the loan agent XXXX at the XXXX, Indiana location. It was decided that I needed to reapply after paying off a certain payday loan company. I then filed a complaint against this loan agent direct to the company. I sent the complaint to the company on XXXX. On today 's date I received a letter from the company stating I had been denied credit which is not true. I was approved and cleared any credit requirement. ***I also have a current loan with this company and my credit score has since improved substantially. The letter to me was just a retaliation because of the complaint filed against this loan agent. ***Again I am current customer of this lender. In addition, this loan agent or company maliciously stated that my credit score was a XXXX which is false information as shown by the attached file.
When my quarterly loan payment becomes due, I am unable to submit payment on the lender 's website. For approximately 2 weeks leading up to the due date, when I log in I get an error message saying my loan information is not available. However, if I log in after the due date there are no issues. I looked at an alert which shows when the website does routing maintenance, so loan information can not be accessed during this time. However, no matter what time I log on, what day, on different web browsers, and from any of a variety of computers, I am still unable to access my loan information during the time I should be able to based on the website 's notification. This has occurred with the past 5 quarterly payments I have attempted to make, and each time I wind up having to submit a payment using what the amount was from previous statements I had received. 

I attached screen-shots of the message I receive when I first log in, and if I try to access any other features ( pay my loan, view account info, etc. )
The creditor XXXX XXXX XXXX has placed a collection in my XXXX   on XX/XX/XXXX using a company called Law Offices Of Mitchell and it seems they have received this request to collect from me on XX/XX/XXXX. I have never heard from this collector and I don't agree with this charge, since my ex-husband has told me this bill was paid with many other bills when I had an XXXX treatment about 3 years ago. I have been separated since XX/XX/XXXX and I left the house since them. I have been divorced since XX/XX/XXXX and during the divorce my ex has told all the bills I had to pay including having to fill and pay my taxes from XX/XX/XXXX and XX/XX/XXXX, and he has never mentioned this bill. He also never gave me any letters from any of those companies mentioned above.