WillisBack/dataset-financial-user-claim huggingface dataset:
I got some credit cards from XXXX  XXXX but I couldnt pay them no more they went to collection agency which is forfolio recovery and now they call me every day
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, Florida sold me a dangerously defective vehicle and has committed fraud by refusing to abide by lemon law. Financing for the fraudulent vehicle transaction is managed by in house loan company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. 

On XX/XX/2018 I purchased a new XXXX XXXX XXXX XXXX sport utility with XXXX miles on odometer. XX/XX/XXXX I returned the vehicle to dealership due to engine stalling, intermittent engine shut offs, warning lights, check engine lights on, electrical failure and multiple loss of panel communication faults. XX/XX/XXXX, I was told to pick up vehicle. Upon arrival lead mechanic stated its a lemon and that I should go lemon law. He couldnt find the source of the issue, its a manufacturing defect but it seems to be repaired this time and he will continue trying to fix vehicle if ordered by his boss. Before I could leave the dealership parking lot vehicle stalled and electrical failure with multiple loss of communication occurred, so the vehicle never left lot and remained until XX/XX/XXXX until I was told it had been repaired and to pick up. On XX/XX/XXXX, vehicle had electrical failure and multiple loss of communication and complete blackout of control panel screen. On XX/XX/XXXX XXXX formally refused to buy back the vehicle and instead added insult to injury offering {$3000.00} to keep the defective vehicle, shut up and go away. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XXXX : XXXX Fax : XXXX Any help that you give me will be greatly appreciated. 

XXXX XXXX
I have worked diligently over the last 5 years on my credit report. Specifically, I have made every single car payment on time to TD Auto Finance for over 3 years.I decided last month to refinance so I can prepare to buy a home in the near future.I refinanced my vehicle loan from TD Auto Finance with my bank, Elevations, at their recommendation and called TD Auto Finance and advised them that I was currently refinancing with my bank and what do I need to do if anything. They said I did not need to do anything as long as I was still within my grace period of the payment due date of which I was.I am not sure the exact timeline of communications between TD Auto Finance and Elevations and of that I have no control over anyway, but all I know is that my next payment was finally due and that was due to Elevations bank of which I paid.During this time frame TD Auto Finance sent a negative report to my credit report. It is like they threw over 3 years of perfect payment history and me notifying them as to what was going on with the refinancing back in my face. Not only that but they were paid in full the amount of the loan. I have worked so hard on my credit report to have this happen and when I saw this on my report today it made me sick to my stomach. I need to know what step to take next to resolve this issue and get that negative mark off my credit report. Thank you. Respectively, XXXX XXXX
I recently received a copy of my XXXX, Equifax , & XXXX credit report. The credit report showed a credit inquiry by XXXX XXXX on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Re : AUTO PAY wrong info given by Rep on XX/XX/2018 - called placed to Navient at XXXX XXXX  ( Central Standard Time ) First of all my payment are due on the XXXX of each month to Navient. 

On XX/XX/18, I setup auto pay on their site. Finally, I got a emailed approving request on XX/XX/2018 saying that it would start in XXXX. ( Receiving this on XX/XX/2018 is not TIMELY ) XX/XX/2018, I called Navient @ XXXX XXXX  and spoke to a rep informing him that I did not see where my payment was set for auto pay on XX/XX/2018. The rep assured me that it was set to be auto deducted on XX/XX/2018 - Well, it wasn't! Instead I got email from them on XX/XX/2018 asking me to log in and check my account. When I logged in XX/XX/2018, I found big bright red writing telling me that I had missed a payment and that I could be charged a late fee. So, while I was on the site I went ahead and submitted a pay for {$140.00} for XX/XX/XXXX. If the rep had known what he was talking about on XX/XX/2018, I could have submitted my payment then! 

I signed up for auto pay because they tell customers you can get a 0.25 % reduction interest rate - My payment went up {$5.00}. It is now scheduled for auto pay for {$150.00}. 

on XX/XX/2018 at XXXX XXXX, I sent a email to : XXXX telling them the same thing that I am telling CFPB. 

on XX/XX/2018 @ XXXX XXXX, I called Navient and spoke to XXXX, employee ID XXXX, I told her about me calling Navient and speaking to rep on XX/XX/2018 and asking him about auto pay for XX/XX/2018 because I did not see it on their website. He assured me it would be deducted on XX/XX/2018. I also told her I was concerned about late fees and reporting to credit bureau. XXXX said no late fees would be charged and that Navient only report to credit bureaus if payments are 90 days late - Well, after the experience with the rep on XX/XX/2018, I don't believe it - my confidence in Navient CS is zilch!
i have a student loan with NAVIENT, upon looking at my credit report i noticed i have 14 missed payments from NAVIENT. I recently called them up to set up a payment plan to get ahold of my student loans. It was expressed in the past that i had a rough time after graduating college so i was going to be unable to make payments. I was told that i would be able to put my account in Forbearance. it was explained that it is a period during which your monthly loan payments are temporarily suspended or reduced for a year. During this time i was trying to work, i did not have access to a phone, email barely had a place to live. When i finally got a part time job i was able to turn my pre paid phone on and i was contacted from NAVIENT, i put my account in forbearance for another year so i can get on my feet. The issue today is when having my account was in forbearance NAVIENT reported me to the credit bureau and stated i have missed 14 payments. This is inaccurate information. I recently called NAVIENT they stated they can not help me stating their records indicate they tried to contact me, i explained i had no means of communication, due to me not working i had no phone, also i was under the assumption i was good with my student loans since i was told my account was in forbearance. A representative from NAVIENT said " send a letter to the credit bureau attached with my credit report and dispute it '' that is all she could assist me in today. 

The fair outcome would be to take off the late payments that NAVIENT claim i missed. I currently work for the state and i am able to make my payments. I am up to date on my payments, enrolled in auto pay and i pay extra on my loans each month.
XXXX XXXX XXXX called me this morning prior to XXXX XXXX. Threatened to obtain another judgment in XXXX XXXX, TX on behalf of XXXX Bank. I advised the collector that I never had a XXXX Bank account. She said " oh yes you did '' and again threatened to obtain another judgment against me. There is no judgment from XXXX Bank on my credit report and I have never been advised that I had a judgment against me. XXXX can not threaten to obtain another judgment. They can not re-age a debt and they can not threaten to sue on an out of statute account. Yet the collector threatened to do that.
In XXXX of XXXX I applied and was approved for a loan from Avant ( via XXXX ) in the amount of {$13000.00} at an interest rate of 31.97 %. The monthly payments are {$480.00} with the total finance charge being {$10000.00} for total payments of {$23000.00}. Upon contracting for this loan I was advised that after one year I would be able to refinance the loan for a better interest rate, which is exactly what I had planned to do. 
In XXXX of XXXX, after one year of full and timely payments, I applied for refinancing and was declined. I was advised correspondence stating the reason for the decline would be sent forthwith, yet I never received one. I was also advised that I could " try again '' after 30 days. I continued to so, nearly every 30 days, and was always declined, with no correspondence as to why. My living situation has since changed plus I now have medical bills which require my attention for possible ongoing treatment. This time I pressed very hard for correspondence explaining the reason I was being declined. I conveyed to customer service that all I want is to re-fianance the remaining balance ( as of this date {$10000.00} ) for a more reasonable interest rate ( the rate I pay on my credit cards is 28 % as I do not have perfect credit ). The reasons stated for their decline sounded made up at best ( e.g. insufficient income ; limited credit experience, etc. ) When I asked for elaboration, they provided none. None of the factors they have stated are true and I responded as to why their reasoning was incorrect. If these factors they are stating are a reason to decline my request for a re-finance to the lower amount and lower interest rate, should n't they have declined the original loan? In addition, I have asked to have the due date changed from the first of each month to the middle of the month ( which is easier for me to handle financially ). Avant also declined that request ; however, I am allowed to move the due date month by month to a date being no later than the XXXX, but am charged additional daily interest for me to do so. Can the above experience be defined as some sort of usery? I fully intend to pay the loan, but was clearly under the impression that I would be able to re-finance said loan after a year as I made my full and timely payments. I feel I am being continually being declined ( due to ridiculous reasons that make no sense ) so that the company can continue to benefit from the outrageous interest they continue to charge. I can provide copies of said emails at your request, and a copy of the original contract, should you so desire ; however they are not attached to this complaint as they contain personal information.
XXXX  is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my XXXX credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both XXXX  and XXXX XXXX with no results.
In XX/XX/XXXX 2017, I received a letter from US Bank Home Mortgage concerning the cancellation of PMI on my primary residence. The loan-to-ratio value on my property was 76 %. According to the letter I received, I was required to get an appraisal on my home. I finally ordered the appraisal at the end of XX/XX/XXXX 2017.  The appraiser ( chosen by US Bank ) subsequently appraised my home for well under the purchase price, adjusting my loan-to-value ratio to a mere 86 % and thus the PMI was not cancelled. However, according to the Homeowners Protection Act of 1998, under AUTOMATIC TERMINATION, I quote " A servicer must automatically terminate PMI for residential mortgage transactions on the earliest date that both 1 ) The principal balance of the mortgage is first scheduled to reach 78 percent ( my loan was at 76 % ) of the ORIGINAL VALUE of the secured property ( based solely on the initial amortization schedule, in the case of a fixed-rate loan regardless of outstanding balance ) and 2 ) The borrower is current on mortgage payments. ( Which I am. ) There is also a clause one paragraph dow in the Act that states : There is no provision in the automatic-termination section of the act, as there is in the borrower-requested PMI cancellation section, that protects the lender against DECLINES IN PROPERTY VALUE or subordinate liens. My PMI should have  automatically been terminated in XX/XX/XXXX when the LTV reached 76 % which is below the 78 % Federal Law requirement. I should have never even been required to get an appraisal.
THis collection agency has put me below minium wage for the last year. They claim that because they though I was living with my mother that is why they took more. I have not lived with my mother for over 2 years. When I spoke to the judge he said he would look into the matter and get back to me. He never returned my call. Centon ( also known as ; Credit Systems in XXXX MT ) This collection agency now after my last payment ; have come back with medical bills from XXXX, XXXX and XXXX. I have asked for proof that these bills are mine. When I have asked for information in the past they have not sent it. They refused to lower my payment. Telling me how much I must pay. They sent the server to my work and say that I am served because they gave the notice to the payroll person. I have not received service. 
They called my mom and discussed my account with her. They say they will send documentation or forms for me and do n't. They say mail is returned when I receive mail ever day at my mailbox. 
I want them to stop harassing me.
I have a checking account from Bank of America. The lady in XXXX ( IL ) branch told me that as long as I have a total amount of direct deposit over XXXX to the account in a month, that I wo n't be charged with the $ 12 monthly fee. So I did {$150.00} per paycheck, that 's {$300.00} per month. Then I found that I was still charged for the $ XXXX monthly fee twice. So I went to the XXXX XXXX XXXX ( IL ) branch today, and ask for why. The lady and her manager told me that the requirement was {$250.00} per check. And there 's nothing they can do to help me. They asked me to leave and go to the previous branch and talk to the lady who talked with me before. They also said they did not care if I close my account or not, I told them I need my {$24.00} fee back before I can close that account. They said they could not help me with anything and asked me to wait somewhere else.
I have been contacting Global Lending, who appear on my credit file as Global Lendi numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud. 

Global lendi XXXX, SC, XXXX ( XXXX ) XXXX XXXX is the contact information I have listed for them
I have been receiving calls and also a letter from Sea 's and Associates. I have never stepped foot in a XXXX fitness location anywhere. XXXX fitness advertisements states {$10.00} per month no contract. They had a XXXX cent promotion going and I decided to sign-up, a personal trainer contacted me via text message and schedule did not fit my schedule so I declined. I used a pre-paid card luckily because I never even went to the gym. However, I really need the phone calls to stop about the $ 90+ that I do not owe!!!
multiple times since XXXX of 2016 I have disputed full debts charged to my card, which were not placed in or anywhere near my location ( 600mi away ). The card was racked up twice to its limit, account is double the limit because XXXX/comenity refuses to acknowledge that the debt is fraudulent. they refuse to report the account as closed, let me deal with a 3rd party collector, or fairly dispute the account. I have on time payment until this timeframe. the debt isnt mine, I have had other cards closed and deleted for less, but this bugger wont follow the law.
XXXX does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas on XX/XX/XXXX,2016. There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my XXXX, XXXX, Equifax should be XXXX XXXX XXXX and XXXX XXXX XXXX. All other creditors was included on bankruptcy chapter XXXX and XXXX data should delete all discharged creditors. XXXX is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.
received a debt collection letter from Professional Adjustment. I sent them a debt validation letter requesting the company to send me proof showing that I owe this debt. I requested a proof of a signed contract between me and the creditor and the debt collector with my signed signature in ink, they failed to send that, I requested an agreement with XXXX XXXX XXXX between Professional adjustment that grants them authority to collect on this debt, verification that this debt was assigned or sold to collector, information that this company is licensed to collect in the state of Florida, but I did not receive any of the documents. I only received a copy of a bill and that does not validate the debt. In the US law encyclopedia, XXXX XXXX, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they did not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
I had gotten a payday loan thru castle payday loans they charged and debited my account for more than what was agreed and now some guy from XXXX Named XXXX XXXX XXXX XXXX XXXX is calling people and saying i gave their information as a contact person and i never did. He has constantly called them several times after i have told him they are not related to me nor did i ever put them down as a contact form. Their names are XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX have called and talked to the manager and told him this guy had been harassing these people and he said he would take care of it and hasnt. He calls them at least XXXX4 times per day and they have as well asked him to stop calling and he continues to call
On XX/XX/2017 I was approved, online for a {$500.00} loan. The interest on the loan is 650.4843 % I have already made 8 payments with a total INTEREST charge of {$1100.00} I did make one additional principal payment of {$100.00} on the loan when I saw that the balance of the loan had not been reduced any. I live in the state of Virginia and have learned that this company is violating usury laws of Virginia where the maximum interest rate on such a loan is limited to 12 %
My name is  XXXX   XXXX  I have a mortgage wi th Carrington  Mortga ge Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. Howe ver Carrington continues to report me as delinquent. They reported m e as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.
Sent debt validation letter XX/XX/XXXX to Portfolio Recovery requesting that they provide me with the wet ink signature contract, purchase agreement from the previous creditor XXXX XXXX as well as a copy ( s ) of any documents that show I agreed to pay Portfolio Recovery what they say I owe. I received a generic letter back from Portfolio stating that they purchased the debt from XXXX XXXX but did not provide me with a copy of the wet ink signature contract, purchase agreement as well as any documents showing that I agreed to pay them what they say I owe. XX/XX/XXXX I received additional documents from Portfolio Recovery stating that this was their proof of validity. The documents sent is a copy of an old billing statement. Removal of this debt off of my credit is imminent due to no validation on the part of Portfolio Recovery.
My name is XXXX XXXX XXXX. I 'm getting mail to my home address at XXXX XXXX XXXX XXXX, SC XXXX. But the name is XXXX XXXX XXXX is not me and I havnt been to school after high school and I do n't want my credit ruined because of this! The clients name is XXXX XXXX XXXX XXXX. Acct # : XXXX Balance Due : {$6600.00}
I applied for assistance in saving my home from foreclosure. My servicer Nationstar Mortgage denied me for assistance on XXXX XXXX, 2015 and again on XXXX XXXX, 2015. Both times my attorney requested from Nationstar Mortgage my denial letter and the mandated NPV chart that goes with it. Nationstar has withheld the NPV chart and refuses to send it to me. My attorney states since I was denied for the Making Home Affordable Program ( HAMP Tier 2 ) and I was told I was denied due to NPV the servicer is required by law to give me a copy of the NPV chart. I believe I qualify as Nationstar has said my new payment could not be reduced by the amount required by the program. My attorney states this is not correct and Nationstar must be using incorrect figures. I feel as if Nationstar is purposely evading giving me this information solely to try and evade and block me from assistance I know I qualify for. They also are not sending me the denial letters until almost 30 days after I am denied. My attorney has to demand the denial letter just to get any copy of it and they basically try to keep it so I can not appeal the denial. My last loan modification request was denied on XXXX XXXX, 2015. Nationstar withheld the denial letter until XXXX XXXX, 2015 and they still have not given me the NPV chart. Tomorrow is XXXX XXXX, 2015 and even if they now give it to me they have achieved with holding it from me for the 30 day appeal period and now I can not appeal because they with held the information from me to be able to appeal. I think this is very disturbing and I may lose my home over their illegal actions.
XXXX  has not updated the payment status on Equifax &   XXXX   to paid. Equifax is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .