WillisBack/dataset-financial-user-claim huggingface dataset:
Company ordered a local minnesota repossession agent to repo my car on a debt that was n't valid. The debt evidence/word that original creditor Chrysler Capital provided was n't a valid claim. The car was taken from my family 's drive way between the hours of XXXX on XXXX XXXX, 2015. Called the local police to report it stolen was then informed it was repossessed. Local cop called the company listed on his report and they gave him the number for where the order came from and told him I would have to call the XXXX company XXXX XXXX XXXX for more information. I called the company and asked for documentation and was told they did n't need to provide me any documents and to call the original creditor who wrote the debt off and closed all accounts I had with them. My car was taken without my consent and as of XX/XX/2015 is still at the XXXX XXXX XXXX lot in MN. With no listed Lien Holder, no debt owed, I 'm the owner of the car. No Contract and / or debt with XXXX XXXX XXXX or XXXX XXXXXXXX company XXXX XXXX XXXX XXXX XXXX refuses to release the car until they get permission from original creditor. Notices were faxed to Original Creditor, XXXX XXXX XXXX XXXX, and the third party company ; XXXX XXXX XX/XX/2015 and XX/XX/2015. Notarized copy by certified mail shortly after. No responses as of today XX/XX/2015. The car has still not been returned to me. 

Original complaint numbers XXXX and XXXX
Chase runs a promotion for XXXX XXXX back on the Freedom credit card. I activated the promotion and spend {$1500.00} in the bonus categories for the period XXXX 2018, and Chase is denying that I ever activated it. They will not issue the bonus points.
I have a property in XXXX, Virginia and the mortgage was transferred to Selective Portfolio Servicing Inc. ( SPS ) from XXXX about five months ago. I recently received a letter from SPS that my annual taxes had increased from {$1700.00} to {$6900.00}. I called SPS customer service to dispute as my tax is still {$1700.00} yearly and was advised to send a copy to prove otherwise. I obtained a copy of the annual tax and faxed it to SPS. I have called and been advised that the fax was received. Since sending the fax I have called them by phone nearly daily for the past two weeks with the same answers that my faxed copy had been received and being investigated. However, the last time I called 3 days ago, I was told that they received my fax but nothing further had been done. This has resulted in a $ 500+ increase in my taxes. I do n't believe this organization is honest as the information on annual taxes are easily retrieved from the city 's website.
Bank opened an account without my authorization. Did a hard inquiry into my report, which reduced my credit score a few weeks I had to apply for student loans. I never requested the credit card or to open the account.
There was an ORAL TRADE FOR LABOR agreement between myself and XXXX XXXX XXXX back almost XXXX years ago now for an exchange of labor services for XXXX work. 

He let me do ALL of his XXXX work in exchange for no bills promised on XXXX work and sent me to collection almost ten years later. 

I 've notified the Credit Bureau of Louisiana that the debt is invalid as I never agreed nor signed to any charges what so ever with XXXX XXXX XXXX ( nor would I have ever agree to pay his prices in the first place, I was a broke college kid ). 

They sent me a copy of what looked to be a Word Document with no signature proof, no verbal proof and no authorization from me what so ever for authorization of a charge/contract. 

The credit bureaus have been removing this, and the CBOFLA keeps adding it back on after it has been disputed off, which is illegal as well as far as I 'm aware. 

CBOFLA is the Credit Bureau of Louisiana for reference.
This guy XXXX XXXX XXXX scammed me out of {$4300.00}. XXXX he marketed an advertising scheme to put a XXXX XXXX decal on my car and drive around with it on my car. We first made contact XX/XX/2019. The cashiers check arrived XX/XX/XXXX. I saw the amount and became a little suspicious. I called XXXX XXXX to have the check verified and they verified the funds. I was unsure of it so I deposited using my XXXX mobile deposit to see if it was a good check. It was accepted so I thought it was good to go. He said once its been deposited use money orders and deposit them To the detailers account at well Fargo account number XXXX. I thought that was a lot of money to have my car wrapped and thought I could do it myself. He said you probably wouldnt want to do that because you could damage your car and it you do repairs wouldnt be covered by us. I said well he already sent the cashiers check so I went ahead and deposited the money orders. We talked about the weather and he said it would have to be a warm day and it was currently raining and a little chilly. The next day I didnt hear anything from him which was a Friday. Saturday morning I noticed my account was negative. I called the bank and they said the check had been returned because I endorsed it wrong. I was on hold for 20 minutes and while On hold I started researching cashier checks. It said they are now being used for scams. My XXXX dropped. The rep came back on the phone and told me to mail the check in just the way it was so I did. Monday I went back To Wells Fargo and told them I believe I was scamed. They said possibly and they also said he transferred the money into another account right after the deposit. They said I would have to do a claim with XXXX. They said I needed to do a police report. I called my bank XXXX and they said they didnt know who I spoke with on Saturday but the check came back Fictitious. I did the police report on that Wednesday. In the meantime XXXX refused to do a claim thru Wells Fargo. I felt like XXXX  mobile deposit is not as safe as it seems. And scam artist are using Wells Fargo because it seems it easier to munipulate their systems. The suspect probably had all fake identifications and still got an account with Wells Fargo. The police report came back and they found the suspect in Indiana. They said they had to send the jurisdiction to the Indiana.
Ocwen Loan Servicing LLC is holding the mortgage for XXXX XXXX XXXX XXXX XXXX, Fl XXXX that unit has been in default of condominium fees for over 3 years. In XXXX 2015 Ocwen filed a motion for default against the defendant unit owner. However, the default has not been entered as of yet that we are aware of. The condo fees are in arrears for well over {$5000.00}. Ocwen is protected by safe harbor. I, as a unit owner in XXXX XXXX, have no protection and am bearing the burden in my fees for this defaulting unit every month of every year this goes on. I am asking the consumer financial protection bureau to do all within its power to get Ocwen to foreclose on this unit and sell it. Other units have sold for well over the {$66000.00} which I believe is the mortgage amount, so there is no excuse for this to continue. By Ocwen dragging its feet on its responsibility for this unit it is causing unnecessary and undue penalty to me, a senior citizen, living in this XXXX condominium association. This is a horrendous situation and should not be allowed to continue.
I called about getting a loan modification back in XX/XX/2015 when our mortgage payment jumped to {$200.00} more a month. I explained the financial troubles we were in and they suggested a loan modification. I was told they would be contacting me with some paper work that they would need. We were not late on any payments before or after the loan modification was done. During the modification I was told to not make any payments as this would mess up the process. I asked several times if this would effect our credit report and was told no repeatedly. The modification was approved and we started making the payments right away. When going over my credit report I noticed they did state that we were over 120 days late in our payments. I have called them explaining what I was told to do during the modification process. I was recently informed that because they do not have any voice record of the conversation they will not change our credit score because they believe them to be accurate and true. Though they did correct some months due to the fact that they had the paperwork but did not have it inputted into the system. Even though our payments show we were never late until the modification was started. I would like the negative report to be removed as we only did as the company asked of us. I would have never stopped paying on my mortgage if they hadn't instructed me to do so. I was told just this past week I could speak to someone at the Chairman 's Line ; who basically asked me nothing but my loan information and then sent me the same letter that they sent to me prior. I am attaching the letters that were sent to me. I have also spoken to people that I know that work in the mortgage field and they have all told me the same thing, that during the loan modification process they can not process payments as it screws up the paperwork.
On XXXX-2017 My application for loan from Big Picture Loan accepted for a {$1200.00} They send the money, transfer on my bank checking account. I did not expect that they will deducted every two weeks for the amount of {$300.00} after they deducted 5 times from my checking accounts. I thought I already paid off because {$300.00} x 5 = {$1500.00} I called my Bank to stop deducting my payments to Big Picture Loan. 

I called them and ask how much my remaining balance pay off on my loan, they told me {$1300.00} When I signed the contract online the interest rate was excessive and usury and was not properly disclosed. The Finance charge was not disclosed, You were not allowed to read the Truth in Lending disclosure, That is, it was not visibly disclosed in the contract.

Hoping for your assistance on this matter.

Thank you
I am on an IDR which did not require me to make payments, however I continued to make payments towards the  XXXX  stafford loans to lower the balance. As I am reapplying for the IDR, it has come to my attention that even though my checks which notate the accounts for which it is to be applied, half of my payments were applied to Loans I did not authorize to be applied.     For over 1 year I sent checks, through my bank, which notated each of the  XXXX  accounts. Navient states they are unable to help as the money has been processed and thus, unable to reverse. Over {$600.00} in payments have been mis-applied, which is horrific considering the difficulties to make the payments. I requested payments to be made on  XXXX  and  XXXX  loans, but were applied to  Student Signature Loans   XXXX ,  XXXX ,  XXXX .
My payment made on XX/XX/XXXX was reversed days before Wells Fargo sent the loan to foreclosure. This is a blatant violation of the Frank-Dodd Act and Federal Banking Regulation Z. Wells Fargo has sent a XXXX letter to my insurance company telling them that the property is vacant or abandoned so my insurance company will cancel my policy and I will be forced to pay for Wells Fargo 's over priced insurance. This property has never been vacant in the XXXX years since I purchased it. 
Wells Fargo says " Customer was unavailable for consultation. '' The truth is Wells Fargo made no verifiable attempt to contact me. If Wells Fargo was not harassing me XXXX times a day they would be able to leave a message on the answering machine. 
Case number : XXXXWells Fargo Home Mortgage said : Explanation of closureCustomer was unavailable for consultation. 
See attached resolution letter. 
XXXX XXXX XXXXThis started when Wells Fargo withdrew money from the escrow account for expensesthat Wells Fargo did not incur. Then Wells Fargo applied our principle and interestpayments to the escrow account to cover the money Wells Fargo stole from theescrow account instead of applying the money to the loan. We have requested abalance statement for the escrow account a couple times verbal and a couple times inwriting. Wells Fargo recently sent us a letter stating Wells Fargo will not respond toissues with our account. We record our calls and have written documentation of WellsFargo 's crimes, so we could sue Wells Fargo. We would prefer to keep this out of thecourts. We have managed to make all our full payments before the grace periodexpires for over a year and a half. The last few months Wells Fargo lists our fullpayment as unapplied funds, so they can charge us more interest and late fees. We arecurrent on this loan and we have written documentation to prove it. Wells Fargo hassent us another ultimatum to pay what Wells Fargo says we owe by XX/XX/XXXXor they will foreclose on our property. 

I have filed another complaint with CFPB because XXXX XXXX failed to address the issues with this account. Case number : XXXX XXXX - Wells Fargo Executive Mortgage Specialist, stated that " You would have had to show proof of insurance coverage without any lapse for a full refund of the LPI premium. " This is not only a false statement it is a violation of a Federal Court Order. 
This is why Wells Fargo was sued and lost in Case No. XXXX. 
XXXX XXXX also failed to address the issue with payment of the 2009 property taxes from the escrow account.
I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of XXXX for a debt with XXXX XXXX XXXX and XXXX XXXX, XXXX. The letter states the principle balance is XXXX and XXXX XXXX of XXXX 

Please provide documentation as well as check the FDC status.
Since the initial date I filed complaint with CFPB in XXXX XXXX has not applied nor accepted my payments. I am showing outstanding checks cashed since XXXX & XXXX. The initial letter indicate that I was to send {$100.00} to XXXX XXXX XXXX attention. I should n't have to send payments via certified mail every month. Please advise why my payments/checks are n't being applied.?
I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit bureaus make more money when people have low credit scores. If this is such, then the whole fair credit reporting act should be thrown out the window when Credit Bureaus are allowed to report inaccurate scores.
On XXXX XXXX, 2017 Amex forcefully closed my charge card account because they claimed they did not receive my financial documents and/or income tax return information they requested. I have full proof they did receive the documents via certified letters w/ signature. Despite receiving my financial documents they chose to close my charge account.
I entered into an agreement several months ago with XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX for monthly payments of XXXX, on automatic payments using my Debt Card with Wells Fargo Bank here in XXXX CA. Four months ago in XXXX XXXX I requested that they stop withdrawing money from my account and they refused. They stated if I stop it will result in an immediate law suit and that they will continue to withdraw the funds. I visited Wells Fargo located at XXXX XXXX XXXX XXXX CA. When I requested that stop the automatic payment the person that helped me stated. They could not stop the payment because I agreed to it and I would have to work it out with XXXX. After several calls to XXXX and there continual refusal to stop the payment. I revisited Wells Fargo again in XXXX XXXX and they finally agreed to issue me a new debt card, but refused to allow me to dispute any of the charges. They quoted some policy that they claim superseded my right to dispute any electronic disputes. At this time XXXX against my wishes and with the permission of Wells Fargo withdraw XXXX in XXXX, XXXX, XXXX and XXXX XXXX. On XXXX XXXX, XXXX XXXX withdraw XXXX from my account using my new debt card. When I visited Wells Fargo ( always the same location ), they called XXXX and we learned that XXXX contact Visa directly told them they misplace my Debt Card information and got my new debt card. Wells Fargo allowed me to dispute only this one charge as a " courtesy ''. I believe that Wells Fargo has directly violated my right to dispute an EFT Charge under Regulation E and Z and possible other Law violations. I attempted to contact the Regional Manager XXXX XXXX for Wells Fargo at ( XXXX ) XXXX on two occasions and he has refused to take my calls or return my calls. XXXX I believe is in the same violations as Wells Fargo by refusing to stop an EFT when requested, using intimidation tactics to force the continuation of payments against my will and committed criminal fraud when they contacted XXXX. I also believe XXXX is guilty of failing to properly protecting my bank information when they released my debt information to XXXX. I am asking that you do the following. Fully investigate Wells Fargo and to the reason they refused there customer the due right to dispute a charge and order Wells Fargo to reimburse my account all funds withdrawn by XXXX from XXXX XXXX to present including any interest and penalty and to fully investigate XXXX XXXX as to the reason why he refused to address such an issue. To levy the most sever penalty allowed by law against Wells Fargo who is XXXX of the primary lobbyist for the passage of Regulation E. To investigate XXXX on there to their policy and procedure on EFT transaction to levy the most severe penalty allowed by law and to criminally charge the employee of XXXX with " Bank Fraud '' and to fully investigate and audit the organization to ensure they are compliant with any and all laws.
Last XXXX I took out a payday loan through Check N Go. A few weeks ago I was contacted by a law firm based out of Texas called XXXX XXXX XXXX XXXX XXXX, stating that Check N Go was going to sue me ... unless I paid {$700.00}. I was a dummy and gave them my credit card information over the phone to set up payments ... then cancelled my card thinking it was a scam. I was sent a document via email to sign verifying my payment agreement, which was apparently XXXX. I was told this was taken care of from the law office, not another debt collection. Different phone numbers and location, but XXXX automatically transferred me to the same woman who keeps calling from the law firm, XXXX XXXX. I contacted Check N Go, and the debt was sold to XXXX XXXX XXXX, then contacted them, and the debt was only for {$500.00}, and they said it has been bought by XXXX XXXX XXXX. None of this is on my credit report, nor have I received anything in the mail from any creditors listed above. I just do not know how to figure out what is real and what part is a scam. I live in Ohio ... and all of this is coming from Texas.
Many year back I consolidated my Federal Parent loans for my daughters with Navient or as it was then called XXXX XXXX. At the time XXXX XXXX advertised in their literature that if the consolidated loan payments were paid on time for a period of years ( I think the number of years was 5 but I am not absolutely sure that is the correct number ) my interest rate would be cut from 5 % to 4 % for the remainder of the loan. I have in fact complied with all their requirements, although I change the payment to an extended plan about 3 or 4 years ago ( well after the required 5 years they required when I consolidated ), but I have never received the reduction in the interest rate. 
At the same time I consolidated the loans I asked if all the other terms that I had under the " Direct Loan '' program were still in force and they replied " YES ''. However, I am now in doubt, can you confirm that is true? Three of my main concerns with regard to this are : 1. Upon my death and the presentation of a death certificate to Navient are the remainder of the unpaid consolidated loans considered paid, i.e. wiped out? 
2. Are my surviving relations i.e. : my wife, or children in anyway responsible for the remaining balance? 
3. Is there a maximum length of time when the consolidated loan expires ( if payment has been made consistently ), I am under the impression that happens after 10 years?
Purchase a vehicle last year XXXX/XXXX/XXXX, had a approval from my credit union bank and apparently the car dealership ran a credit inquiry regardless ; now because of this equifax breach I see these six hard hit on my reports as will in Transunion & i want them off. I 've submitted request with no results.
I completed an on-line complaint ( XXXX ) on XX/XX/XXXX regarding harassing calls from XXXX. Starting XXXX, it appears that the company is using another phone number to continue the harassment. The new phone number being used is XXXX. The only identification is " cellular call ''. I have " Googled '' both numbers and other individuals say that they also, have been harassed by both telephone numbers and that Midland Credit Management is the caller. The calls occur on a daily basis, sometimes multiple calls a day.
I have a Huntington checking account ending in XXXX. The account is tied to my credit card that is also with Huntington.

If my checking account has a negative balance, there is a " cash advance '' that takes place making my account go positive. My credit card has and had availability of {$180.00}. That could have easily paid for a {$16.00} payment and {$19.00} payment. However, they did not let this feature take the course for no apparent reason and I lost {$75.00} in two NSF fees.
CREDITOR : XXXX XXXX XXXX BALANCE : {$150.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$150.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX   BALANCE : {$540.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$540.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BALANCE : {$530.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BALANCE : {$530.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$880.00} ACCOUNT # XXXX XXXX XXXX XXXX BALANCE : {$880.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : $ XXXX ACCOUNT # XXXX CREDITOR : XXXX BANK XXXX BALANCE : {$1900.00} ACCOUNT # XXXX CREDITOR : XXXX BALANCE : {$1900.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BANK USA BALANCE : {$3900.00} ACCOUNT # XXXX CREDITOR : XXXX   XXXX XXXX BALANCE : N/A ACCOUNT # XXXX CREDITOR : XXXX   XXXX BALANCE : {$120.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX : {$14000.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$14000.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX : XXXX ACCOUNT # {$430.00} CREDITOR : XXXX XXXX XXXX BALANCE : {$350.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX XXXX BALANCE : N/A ACCOUNT # XXXX THE FOLLOWING INQUIRIES ARE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK AUTO XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX TENANT CHECK