WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. I am a resident of XXXX county Florida and the owner of a Mercedes-Benz car. I 've been in a tough financial times recently and fell only 69 days past due on my car loan. Mercedes-Benz financial services aggressively pursued my past due by contacting my ex wife who lives XXXX miles away, has not been seen in 7 years, is not affiliated to the loan, and that they do not even have her contact number. MBFS, also contacted my extended family including my 70-XXXX father in regards to my past due debt. All of these phone numbers could only have been obtained through public searches. These phone calls were personally disruptive causing terrible pain to my current fianc and unsettling my home. This personal violation was irresponsible, a violation of my privacy, and also is considered aggressive unethical business practices. I called Mercedes-Benz financial services and spoke with XXXX a collections XXXX specialist. While XXXX empathized with my situation and apologize for the individual violation, he could not remedy or change MBFS policy. I asked XXXX to elevate my concerns and for a call back from Mercedes-Benz by one of his managers. I would like that these kind of violation and these tactics are not to ever be used on myself or more importantly other consumers who have loans with Mercedes-Benz. I feel at the CFPB may be my only help to implement policy or legal changes so these kind of collection tactics are never used again. I feel that bringing to light these tactics may be publically embarrassing to Mercedes Benz as privately violated I have been.
Our mortgage holder, Wells Fargo, sold our mortgage without warning to a company, XXXX XXXX XXXX, XXXX, or XXXX, that has a reputation as a predatory lender. Although XXXX has sent no information to us, it immediately began dunning us via telephone without identifying itself or stating its business. We were told by Wells Fargo to continue sending our payments to it, since their consumer contact employees didn't know anything about XXXX, but now say they can not take back our mortgage from XXXX and can not forward our timely payments to XXXX. We have not received written or verbal statements or instructions from XXXX. In short, despite our efforts to follow instructions from Wells Fargo, we find ourselves in arrears with XXXX from day one.  From the numerous complaints about XXXX  that we find on-line, we have to assume that we are experiencing XXXX 's usual opening gambit with a new customer. We are afraid their unethical methods will at least harm our otherwise excellent credit rating and at worst result in foreclosure. Like many others in our situation, we are afraid we will have no alternative but to seek a new loan with another mortgage company. Meanwhile, Wells Fargo, by getting rid of its lower interest mortgages, buying back huge chunks of its stock, and firing hoards of its employees, is artificially propping up the " value '' of its stock. At the expense, of course, of homeowners, like ourselves, who have been their best customers.
Goldstein and Smith called my dads home phone- spoke with him and also left messages on answering machine that i have a legal suit in there office and i will go to jail unless i call them or they get payment from my father
I discovered over {$600.00} of XXXX " XXXX '' charges billed to my Total Rewards XXXX account statement dated XX/XX/XXXX thru XX/XX/XXXX I did not make or authorize anyone else to do so either at any time. After thoroughly reviewing the last 12 months of past statements in detail I came across another charge to my account that I did not make. The Chargers for a balance transfer dated XX/XX/XXXX {$400.00} I never made a balance transfer from or to this account since it's been opened.
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
) In an effort to make sure we are covered, I am sending in another complaint, because our situation with BBVA seems to only get worse! My wife called BBVA back, after about a week or so when BBVA indicated to us, that before they could take a payment from us, they had to get everything straightened out on our XXXX payment they had lost. My wife called BBVA, and a representative told her that they had a screen shot of the payment we sent them ; and they had to figure out where to apply the XXXX payment, which didnt make any sense to us! After that, my wife has been continually calling BBVA for the last month of XXXX, up until now to no avail ; trying to make a payment, and there is a recorded message that says, leave your account number, name and phone number, and someone will call you back ; but no one never does. ( That number is to their Bankruptcy Department, even though we didnt put the car in Bankruptcy XXXX ) ) We did get a call on the XX/XX/XXXX from BBVA, that they have noted in there call logs, but it was for a survey about their service, which I find very funny, considering how bad the service has been! 
) BBVA has been very incompetent, and if they are going to make it this difficult for us to make a car payment, we feel that they should just go ahead and send us the title to the car ; or not charge us for the month of XXXX and XXXX or however long it takes. 
) The problem of making a payment only seems to get worse with BBVA at this time, and we are worried and confused on what to do!
XXXX XXXX, XXXX and Experian still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces XXXX XXXX, XXXX, and Experian to legally validate said debts or delete them IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX  -XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested )
I signed up for Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX, and XXXX XXXX became my new student loan servicer. In XX/XX/XXXX, when it came time for my annual recertification, my monthly loan amount jumped up from {$120.00} per month it had been for the prior 12 months to {$620.00} per month. I called to ask why the amount had increased so precipitously. XXXX XXXX told me that the total income from my XXXX taxes had increased because as a newly-married person I had filed jointly for the first time with my spouse. It did not matter to XXXX XXXX that my spouse also had similar student loans to repay. I informed them that I would be unable to sustainably pay a monthly amount of {$620.00} and asked for a smaller monthly payment. I was told to submit an application for the Revised Pay As You Earn ( REPAYE ) Income-Driven Repayment ( IDR ) plan. The entire process to achieve this new REPAYE payment plan took six months, calls from me to XXXX on at least a monthly basis to ask and plead for them to complete the recalculation and to place myself on forebearance time and time again because each month prior to my monthly due date I would receive automated letters into my XXXX account saying that I was required to pay between {$1500.00} and {$1500.00}. Had XXXX XXXX acted accountably and quickly on my request to change payment plans due to having too high a monthly payment, I would not have had to request continual forebearance on a monthly repayment requirement that rose to over 11 times what I had been accustomed to paying affordably. It was only in XX/XX/XXXX that my request to move to a REPAYE payment plan was approved, with the first monthly payment coming in XX/XX/XXXX of {$370.00}, an amount over twice as high as the {$120.00} that I had been paying in the previous certified year. 

I thought this issue had been resolved until I read the XX/XX/XXXX XXXX article " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I recalled the difficulties I had faced for six months in XXXX trying to obtain a new payment plan and decided to log in to my XXXX XXXX  account to check in further detail what had happened with my loans. I discovered that in that time period, I had suffered an increase in the principal amount of my loans from {$85000.00} in the year in which I paid {$120.00} per month to {$98000.00} by XX/XX/XXXX, due to Interest Capitalization. This frustrates me because the only reason my interest was capitalized during this time frame was because I was waiting on XXXX XXXX  to lower my monthly payment to the REPAYE plan and having to request a monthly forebearance due to the punishing amounts of over {$1500.00} per month that they were requesting in the interim.
Third party debt collector is committing mail fraud and extortion by not providing verified and validated information with collections activities.
To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Pay  XXXX  bill by credit card, requires use of  Western Union  Speedpay subsidiary, which requires acceptance of Terms and Conditions at https : //www.speedpay.com/westernuniontac_cf.asp. This site requires acceptance of mandatory arbitration unless opted out at  XXXX . Over  45  mins talking to various  WU and Speedpay s taff, no one know anything about it. Told to " call back ''. Did so, spoke to employee who also again knew nothing about arbitration opt-out. I do not wish to accept mandatory arbitration, but there seems to be no way to opt out per the  Speedpay  terms and conditions directions.
Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX XXXX and this account does not belong to me
I had a credit card with Navy Federal Credit Union. Together, we came upon a settlement amount of 50 % off the entire balance of debt owed. This means that I owed only {$13000.00}. After making a {$150.00} phone agreed upon payment to Navy Federal. Navy Federal failed to mail me a billing statement with an updated balance, showing the remaining amount left on the account or the payment I had made. In essence, I had no way of proving they had upheld the settlement agreement, or posted my payment.
I received a call from XXXX Veteran 's Relief Services, LLC who insisted she could help my husband ( who is a veteran ) and me get a much better mortgage via her company 's program which she referred to as a " Hybrid ARM ''. Per XXXX, this program was completely different from a standard ARM ( adjustable rate mortgage ) in that he rate could never go up more than 2 % over the locked in rate of the current 2.25 %. I advised that before I would set an appointment with one of her 'advisors ' I would need to see some sort of literature on the loan explaining exactly how it worked and what to expect. 
XXXX XXXX sent the email to my husband per my request. ( See attached ) Because he was exceedingly busy he asked me to review it and respond. The loan is, in fact, a standard ARM loan. Per the United States Department of Veteran 's Affairs there is no such thing as a 'Hybrid ARM ' just for veterans. 
I replied to XXXX XXXX, albeit somewhat harshly, advising her as such. ( See attached ) The sale of this fraudulent loan is harmful to veterans and their families. I copied her employer, who claims to own the company, my husband, as well as the man who handled our current VA 30 year fixed rate loan. In response I received a XXXX page email ( see attached ) from the owner of Veteran 's Relief Services, LLC, XXXX XXXX, filled with foul vitriol towards me, my family, and People 's bank. 
The email is also, filled with fraudulent statements regarding the aforementioned nonexistent VA Hybrid ARM that XXXX XXXX of Veteran 's Relief Services, LLC is trying to convince our Veterans they should buy into even if they are currently fine in a fixed rate mortgage. 
The fraud comes in by telling consumers that 1. It is not a standard ARM. 2. He shows his own mortgage statement that clearly indicates his mortgage interest changes in XXXX of 2016. ( See attached ) The video their company uses to demonstrate the loan also clearly indicates this a standard ARM. See XXXX However, because it is XXXX minutes long I doubt that many people will watch it in its entirety. 
I believe selling a fraudulent mortgage by phone and email is illegal. So should the follow up harassment and the slanderous statements regarding XXXX.
Hard credit check was pulled by XXXX on XX/XX/2018 in my name. I contacted XXXX and no account was opened under my name however I would like the hard check to be removed from my credit report under Trans Union.
I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card
I provided my XXXX XXXX information to pay for a cruise on XXXX XXXX XXXX ( " NCL '' ) My XXXX statement had an XXXX/XXXX/XXXX transaction date and a XXXX/XXXX/XXXX post date in the amounts of {$2600.00} and {$140.00}. I paid XXXX 's bill in full. Today ( XXXX/XXXX/XXXX ), XXXX week before the cruise, I XXXX told me that they never received that money from XXXX, XXXX insisted that I give them another credit card and pay the amount again or they would cancel my reservation. XXXX insists that they paid XXXX and XXXX insists that they did not get paid. I have now paid for that trip twice. That is XXXX times almost {$3000.00}. I spoke to XXXX ( XXXX XXXX ) at XXXX. XXXX was not interested in the fact that I had already paid the full amount to XXXX because they claim XXXX did not pay them. I spoke to a supervisor at XXXX named XXXX XXXX XXXX spelling may be wrong ) at XXXX in South Dakota. XXXX is a big bank for a long time that knows how to trace funds. These are two huge companies and they are leaving me out to dry, each blaming the other. How can this happen? Thank you for your attention.
Enhanced Recovery has reported a collection account on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of right to dispute.
I was served with a foreclosure complaint on XXXX XXXX, 2014. The alleged plaintiff is XXXX as Trustee for XXXX Master Participation Trust. However, the actual entity is XXXX TRUSTEE. This entity was created in XXXX, XXXX with an address of XXXX XXXX XXXX XXXX, XXXX. This is the same address for CALIBER HOME LOANS, XXXX MASTER PARTICIPATION TRUST, VERICREST FINANCIAL. Caliber Home Loans, the alleged mortgage servicer, is the real party who is executing this foreclosure. It appears that CALIBER has been foreclosing on many properties over the last few years using their bogus entity XXXX TRUSTEE. They alter the name to XXXX as Trustee. I contacted XXXX and they readily admit they have nothing to do with the foreclosure. XXXX says CALIBER Home loans is doing the foreclosing. I am sharing my research with all agencies, DOJ/FBI, XXXX Atty general, US ATTY GENERAL, XXXX ATTY GENERAL, and more.
I have ask TRANSUNION XXXX times, to provide me with a copy of the original signed credit application and signed contract to provide proper verification of the account listed below. Per FCRA sec 609 ACCOUNT : XXXX XXXX ACCOUNT NUMBER : # XXXX
XXXX XXXX sent the amount of {$1000.00} to XXXX XXXX on XX/XX/2018 through XXXX XXXX XXXX  ( XXXX ). Immediately, Mr. XXXX received a text message from his XXXX  XXXX XXXX account confirming the account will be credited with confirmation number is XXXX. Furthermore, Mrs. XXXX XXXX account reflects the {$1000.00} has been successfully transferred, however, the transferred amount never arrived in Mr. XXXX account. Upon further investigation with XXXX XXXX, we found that another individual had registered Mr. XXXX phone number and linked it to his bank account. Mr. XXXX states he never authorized this. Mrs. XXXX filed a claim for reimbursement, XXXX XXXX confirmation number : XXXX and XXXX confirmation number : XXXX, on XX/XX/2018, however, XXXX XXXX denied the claim on XX/XX/2018 stating they are not at fault. 

I vehemently believe that XXXX is liable and is fully responsible for the amount being sent to someone else 's account.
Complete pay leaves a recorded message Every other day for weeks. to call them back at XXXX XXXX XXXX not leaving a name whom They are calling for, There is no debt in this household.
Hi there, XX/XX/XXXX I got an automated e-mail from Coinbase asking to follow a link to give additional information about myself. The massage was advising me if I do not comply with their request till XX/XX/XXXX my account would be frozen. 
Never the less they froze my account the same day XX/XX/XXXX? 
The provided link worked only within several days, but I could provide the information before the limit date. 
Since than XX/XX/XXXX, may account is frozen. I haven't access to it at all. I even can not see if my funds are still there. I got an answer from the customer only XX/XX/XXXX that they forward my issue to a superviser who will check my account. 15 days have past, nothing has changed.
On XX/XX/XXXX, I opened a consolidation student loan through XXXX XXXX XXXX. The consolidation loan made a disbursement to a traditional student loan also held by XXXX XXXX XXXX on XX/XX/XXXX. Said disbursement resulted in an overpayment and, as such, the traditional student loan has remained open. 

After discovering the overpayment, on XX/XX/XXXX I called the consolidation loan servicer, XXXX XXXX XXXX, XXXX ( XXXX ), and requested that the overpayment be applied to the new, consolidation student loan. I was told by the customer service representative that this would take 3-4 business days to complete and that, thereafter, the traditional loan would be closed. 

On XX/XX/XXXX, I checked my account via XXXX 's website and noticed that rather than the overpayment being applied to the consolidation student loan, the original payoff from XX/XX/XXXX had been reversed, leaving the traditional student loan with a balance. My consolidation loan in turn had a larger balance, confirming that the payment had indeed been reversed. 

Since then, I have called three times per week, and each customer service representative has told me that they have emailed your e-check department and have not had the courtesy of any reply. This is unacceptable. As of XX/XX/XXXX, I have received a bill with a due date of XX/XX/XXXX for the traditional student loan. It has a balance and it has accrued interest and the account is now open and accruing daily interest.
In XXXX Countrywide Mortgage discharged a mortgage for {$30000.00}. I relied on this Discharge. In XXXX Country Wide Assigned this discharged mortgage to XXXX XXXX background the following facts and events occured : In XXXX Bank America ( the loan servicer ) attempted to foreclose on the {$30000.00} discharged mortgage.. After numerous letters and phonecalls Bof A admitted the loan was discharged and ended all foreclosure actions against me. I recently discovered that Countrywide Mortgage sold or assigned the mortage in XXXX to XXXX XXXX. At no time did Bank America divulge this to me until after a response to my consumer action letter ( in XXXX ) XXXX XXXX pursuant to Massachusetts General Laws.without proving the mortgage ( XXXX ) was invalid. With respect to the Assignment it ignores the Discharge even though it was Countrywide who created the Assignment to XXXX XXXX. Of further note, my first mortgage was with Country Wide who was found responsible for predatory lending practices as well as unfair actions when they serviced the loan and other claims. My first mortgage was Modified in XXXX at no time did Countrywide claim that there was a second mortgage. Please Note : I am having trouble with uploading..the XXXX documents are a Discharge recorded at Book XXXX Page XXXX ( XXXX ) and the Assignment recorded at XXXX Page XXXX. ( XXXX ) Both recorded at the XXXX XXXX XXXX XXXX XXXX in XXXX Massachusetts documents are available on line.