WillisBack/dataset-financial-user-claim huggingface dataset:
I am contacting you in regards to a vehicle loan I had with XXXX XXXX up until the beginning of 2017. I have tried for well over a year to have XXXX XXXX  explain to me why I owe them any money to no avail. 

Back in 2017 my vehicle was stolen. I reported the theft to the police and within days the police found the vehicle. I also reported the theft to my insurance. After it was found, my vehicle was impounded for evidence by the police and held at a towing facility. During this time, I was in constant communication with the police, the insurance company, and the finance company. Short of the fact that the police department was not releasing my vehicle, everything seemed like it was going good. The insurance company said they would check the vehicle out to see if they were just going to total it or pay for the repairs and give it back to me. It wasn't until several months later when the insurance still was unable to view the vehicle even though they had been asking to for months did I get seriously concerned. It turns out my concerns were warranted. 

Not only did the insurance never got the permission to inspect the vehicle, but the vehicle was somehow given back to XXXX XXXX and XXXX sold it at auction! 
I tried to figure out what was going on since I was up to date on my payments but I never got anywhere with the police or XXXX. They simply placed a charge-off on my credit report after the vehicle was auctioned. I then decided to talk to a professional about this. I hired a company called XXXX XXXX XXXX to help me with this situation. They also worked on it for months. XXXX XXXX XXXX gave me a very detailed description of their investigation which I will forward to you. Honestly, that letter describes my complaint very well and details exactly what happened to me and how I've been taken advantage of by XXXX XXXX. I'm at the point where either this complaint will get XXXX to realize they are breaking the law and to stop trying to collect a debt I should not owe or I will have to sue them.
In XXXX of 2015 my property had some water and mold damage. While completing the repairs M & T bank refused to release funds in a timely manner to complete my repairs. First I was advised because I had mold damage I had to produce an estimate and paid receipt. I informed them that I did not have funds to pay the mold removal upfront hence why I needed the check. They advised me that an inspector had to come out. I stated that was not a problem. Inspector came and stated the work was completed with a XXXX % satisfaction ( this was for the mold mediation ). 
My insurance company issued additional funds to complete adding new, insulation, sheetrock, plaster, sanding and painting. The bank stated another inspection was needed to release funds. I advised that an inspection was just done and they stated another one was needed. Another inspector came out and stated that it was 90 % satisfaction. The bank still delayed on releasing the funds. They held the final insurance check for over a month before releasing the funds. Each encounter with an M & T rep I was told something different. When I finally had the check cut it was made out to both the contractor and myself and the local Branch refused to cash the check. 
I spoke to XXXX from their lost draft department, and she stated the bank rep called and was advised that the funds could be released. The bank rep XXXX stated the total opposite. As of XXXX/XXXX/2015 I have still not have not been able to cash the check. Until this point M & T bank issued all checks to me however, nowhere is these new processes published on their corporate website Mtb.com Consumers are at the mercy of which ever agent answer the call there is no consistency in procedures or communication from neither the loss draft department nor the branch to process the checks. 
During my encounter I have advise them of my frustration and inquired why has there been these change and the agents have not been able to explain. The local branches are not familiar with the new procedures, nor can they explain why the checks are being issued to both me and the contractor.
XX/XX/XXXX I have made many phone calls to my Citibank credit card. There was a charge by XXXX XXXX XXXXr on XX/XX/XXXX of {$620.00} that I did not make. I called within the 60 day window to dispute the charge. They refused to investigate the charge. In fact they wanted paperwork from XXXX despite the fact I had not done business with them. The girl on the phone claimed she had no option to dispute it. ( Something to do with it being a rental car company. ) I asked for a supervisor which then hung up on me. So, I called and complained about that. When I read somewhere that I needed to cancel the card to dispute the charge, I called Citi, cancelled the card and Citi informed me that they would be investigating the XX/XX/XXXX charge with XXXX. ( This was my 6th call to them. And took place on XX/XX/XXXX. ) I received my new card and activated it on XX/XX/XXXX. On XX/XX/XXXX I called again because Citi still was not investigating the charge not was it showing a credit on my account. On XX/XX/XXXX I spoke with a female named XXXX (? ). She also told me that this amount would be reflected on my new card in 2 to 3 business days. It was not. It still is not being reflected on my  account. I called 2 weeks ago and was told it would definitely be showing up the week of XX/XX/XXXX. It did not. I called today ( XX/XX/XXXX ) and was promised yet again that it would show up. But, if it did not, I still could deduct the {$620.00} off of my next payment. I think they are still pushing me aside.
The company in question is calling every 90 minutes on weekdays and Saturdays. The company called twice this past Sunday XX/XX/XXXX. I advised them not to call on Sunday and to call back on Monday if they wanted to speak.
On or about XX/XX/XXXX I received a collection letter from Rossi Law Office, LTD on a collection for a XXXX bill dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. 
On this same day I called XXXX XXXX regarding this letter and bill from over 2 years ago. 
I spoke to a woman in the billling department regarding this letter as I have never received a bill or notification that money was owed. I was told this debt was sent to this Law Firm awhile ago, and was directed to call the Law Offices. 
I then called the Rossi Law Offices and spoke with a woman who claimed they have had this file for " almost a year ''. At this point I am beyond overwhelmed, scared and confused of a bill of almost {$6000.00}. In my fear I quickly made a payment arrangement to avoid legal actions. I am legally XXXX and live on a fixed income and now widowed. This is where this bill is coming from, on the date of service My XXXX was XXXX in a XXXX XXXX. My XXXX had insurance and this would have been paid with all remaining bills. After speaking to several people regarding this bill, I was told to contact the CFPB. Something is definitly off with this whole situation. 
I was assured this was all taken care of and have never seen a bill since?
On XXXX/XXXX/16 i went to an ATM with my prepaid serve AMEX card to withdraw {$20.00} out of my account the ATM did not dispense the money it said transaction error i tried again it gave me the same message i noticed that the money was taken out of my account so i put in a dispute right away with AMEX they refunded the money the next day after that on XXXX/XXXX/16 i received an email saying that they closed the account permanently and the remaining balance will be issued in a check by mail within 7-10 buisness days i have no access to my money i tried to resolve the issue with them but they have no answers when i call i spoke with supervisors they put me on hold and then hang up on me with no explanation as to why they closed the account
I was hospitalized,XX/XX/XXXX after a XXXX. After the XXXX someone cut off my American Express Card. My credit is and was excellent until others used my credit card after, XX/XX/XXXX. I moved to XXXX and used my card again. The balance paid off and assumed correspondence from American Express stated I had informed them to cut off my credit card with the respect of this problem is by law XXXX year XXXX, ( forwarding a written statement to the bank which issued the credit card ). I contacted American Express by letter and telephone, they would n't believe I did n't cut off the credit. This has caused extreme hardship, due to XXXX XXXX denied me a credit card and XXXX XXXX XXXX had charges of purchases, I did not purchase, also harassed me for payment and I informed them I did not make the purchases. Someone is attempting to destroy my credit. At this time I do not have a credit card with my financial status which is very strong financial assets. Please Advise. I was called into the office of a XXXX Hospital stating a nurse had my credit cards. It is very hard to believe American Express of great professional respect and the banks of complaint are the true respondents. By professional performance as a Corporate Leader the banks always cooperated. It is assumed someone else maybe answering their telephone communication systems with unprofessional skills. After reading your scrubbing section, it should be monitored due to the zip codes are financial accounts and I do not desire to have any finances removed or scrubbed from my zip code trust account. The OMB number displayed on your web site is also one of my financial asset accounts. The 12 U.S.C 5493 gives me the respect to file my complaint with you due to the law of year XX/XX/XXXX and yet the 12 U.S.C ( United Supreme Count of 12, Understand 5493 is also personable.
I have a civil rights legal dispute with my school. The Federal Office of Civil Rights at the Department of Education is evaluating if I was discriminated or not. I complained because I consider I was dismissed under pressure by the school. I refuse to sign any document that allow them to say I was accepting that dismissal decision. The student loan management company, NELNET, is asking me for initiate the payments. I said to NELNET that I can not star to pay my student loan because I am consider myself still as student and I am waiting the decision by the Civil Rights Office at the Department of Education. But the loan management company NELNET continue flooding my mail and email with letters and threats. That is why I am complaining at the CFPB against NELnet.
I have tried to work with Bank of America my Servicer since XX/XX/XXXX. I have not been able to complete a loan modification due to XXXX Customer Relationship Managers and XXXX folks from the Office of the CEO for Bank of America. During a Loan Modification XX/XX/XXXX they removed my Customer Relationship Manager and sent my loan to Foreclosure. I sent in all the documents that were required. They lost my XXXX to reinstate my loan and took my 10 days to get them to find my money to reinstate my loan. I applied for a modification and Bank of America never returned my calls or worked with me. I have been in contact with someone from Bank of America 's Executive Department and he wo n't call me back since XXXX CST on XX/XX/XXXX. Today I have received a letter that I no longer have a dedicated Customer Relationship Manager and I have left multiple messages an NO ONE returns my phone call as I 'm trying to resolve this matter. The allonge to my note finally presented to me says I was sent into a securitization. I have asked my Investor, XXXX XXXX XXXX XXXX to provide me with a copy of the PSA and no response. The allonge to my note was endorsed by Countrywide Home by XXXX XXXX ... .with initials only and after contacting the Secretrary of State of California that is not her notorized signature transferring real estate only my note was initialled. I have offered to make arrangements to settle with Bank of America and the note holder for the Securitization with no response.
XXXX USES WESTERN UNION TO TRANSFER CASH TO FOREIGN COUNTRIES. There are n't any signs displaying the Western Union charges of {$9.00}. XXXX charges {$10.00} instead of the correct price of {$9.00}. Please insure that XXXX charges the correct amount of {$9.00} for money transfers by Western Union and that it displays Western Union signs displaying the correct prices as soon as possible. The address of this XXXX location is:XXXX XXXX XXXX , XXXX , VA XXXX.
I have on several occasions sent TD Bank my new contact info. They have repeatedly told me that I have to contact another number by phone to do that. I have told them that I will not do that, as they should have the ability to make the changes. There is a section on their website that allows me to make those changes, but I have noticed on at least one occurrence that it was changed back to my original contact information. My last contact with them, I threatened to file claims with the FTC, the XXXX, and my state 's Attorney General 's office.
This has to do with XXXX collection agencies. XXXX, Convergent, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called XXXX several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to XXXX it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.
Public Records XXXX XXXX XXXX Superior Docket # : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX / Date Filed : XXXX/XXXX/2009 / Type : Civil Judgment Ph. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX XXXX Court Docket # : XXXX XXXX XXXX XXXX XXXXr. XXXX, CA XXXX. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX BANK # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX # XXXX / Current Status : Paid in Full / XXXX Balance
XX/XX/XXXX XXXX XXXX I did go here to look at a car but backed out of car deal and still they ran my name to many times XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never in my life asked for a credit card thru XXXX NEVER XXXX XX/XX/XXXX refuses to take any action!! Once Again didnt know they was running my name 10 times XXXX XXXX XX/XX/XXXX didnt ask for this to be ran either 2 XXXX  XXXX credit cards XXXX XX/XX/XXXX I did not file for a card they XXXX XXXXXXXX ever!!!! 
XXXX XXXXXXXX XXXX XX/XX/XXXX did not ask for this to be ran either!!! 
The buckle XX/XX/XXXX didnt take action even tho I didnt apply for this at all! Never applied for this company says nothing can be done!!! 
XXXX XX/XX/XXXX refused to remove even tho I did apply for this card either!!! 
XXXX XX/XX/XXXX twice didnt ask at all to be ran either all these are on my XXXX and some on my XXXX please help me with these! I worked hard to get my credit up and then I see all this and been trying for months to get help with removing all this off of my credit
Experian, XXXX  and XXXX  have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian, XXXX  and XXXX  actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. XXXX has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from XXXX regarding inaccurate information reporting on my file. Once again XXXX  has reported inaccurate information on file credit file. XXXX   has not provided any feedback on my request to validate public records. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.
Repeated calls from company with threats of legal action prior to me sending the check to bring the account current. The day after the check to bring the account current. A representative arrived at my apartment and proceeded to argue about the debt in the hallway within earshot of my neighbor who should n't have heard information regarding my debt. After XXXX was notified the check was mailed and to leave, she threatened to return with police officers.
Receivable Management Group has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Management Group. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Management Group is practicing UNJUST ENRICHMENT.
XXXX XXXX, XXXX a Corporate Assignment was executed and my Second Lien Mortgage was transferred to Mirabella Investments Group, LLC, and payment statements were never sent. XXXX XXXX, XXXX, I received a " Borrower Welcome Letter '' stating, " Welcome to XXXX XXXX XXXX , XXXX ( " XXXX '' ) loan servicing! XXXX is your Servicing Agent and is servicing your Mortgage Loan on behalf of our Lender/Creditor, Mirabella Investments Group, LLC ( the " Creditor '' ). XXXX XXXX, XXXX, Mirabella Investments Group, LLC transferred the servicing of my loan to XXXX XXXX XXXX , XXXX ( XXXX ). While XXXX and I were in the process of a Loan Modification, I filed for Bankruptcy to postpone the foreclosure sale, my attorney missed the hearing and my case was dismissed ; Mirabella Investments Group, LLC quickly foreclosed on my home without notifying me or XXXX. XXXX XXXX, XXXX was my last Loan Modification Package submitted with new information. XXXX XXXX, XXXX, I was told to referred to the denial letters of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I was informed by my First Lien Mortgage Loan Servicer, XXXX XXXX XXXX, XXXX 's employee of the Office of the Consumer Ombudsman that my home could not be sold to a third party unless the First Lien Mortgage is paid in full. On the contrary, my home was sold to a third party, and I continue to pay my First Lien Mortgage ( HAMP ). Mirabella sold my property for {$160000.00}, but my property is valued at {$1.00} XXXX. The First Lien is still my Debt, which I am still responsible for.
I was checking my credit and I seen that I have a few inquiries from American Express that I didn't give consent to.
I had sold my residence and had all of my utilities including my XXXX accounts switched over to my new home located in the same town or zip code. The XXXX accounts included my land line, wire less and fax line. My XXXX account was uninterrupted and I transitioned into my new residence without any problems with the same numbers. Any monthly balances outstanding were simply added to my monthly bills and paid accordingly. While at my new residence, I received a call from Midland Collection Management, LLC " MCM '' stating they represented XXXX and that I was in collections for XXXX bill that was outstanding. I explained that I had just moved and I thought everything was fine with all services brought to my new residence. This was the first time I had heard of any amounts owed and it was from a collection agency ( not XXXX ). I had more than XXXX wireless, landlines and fax lines moved to my new residence and everything was current to the best of my knowledge without any outstanding balances owed. No service was interrupted at any time. The collection agency insisted this was for a line that was dropped and not moved or placed on my new billing information. However, the representative from MCM said if I was willing to pay this bill over the phone, they would remove it from my credit report due to the confusion. I apologized and gave them my payment information over the phone and it was processed immediately. The representative thanked me for the payment, gave me a confirmation number and reassured it would be taken off my credit report. The bill was paid immediately when I received the phone call and it was paid in full more than XXXX years ago. However, I was recently notified by the government that I may personal information may have been compromised and I reviewed credit reports from XXXX XXXX and XXXX. Upon review, I noticed that XXXX XXXX reflected the MCM collections account on my credit report as a closed collection account with a " XXXX '' balance owed. XXXX had the MCM collections account listed as an outstanding collections account, with " XXXX '' balance owed. This incident has damaged my credit score after making full restitution and it is still listed as outstanding. The representative informed me that this would be removed from my credit report upon payment due to the confusion caused by the recent move.
My first student loan began in XXXX while attending XXXXXXXX XXXX  College. After 2 years, I transferred to XXXX XXXX University. Sallie Mae began servicing all of my loans ( including those previously owned by them ) in XXXX. 

Since XXXX, I have been perpetually under-employed. Throughout the course of my " career '', I have barely been able to make any payments on my loan. This becomes important to the story since the XXXX began in XXXX. Since XXXX, Sallie Mae and Navient employees have been purposely steering me away from repayment products which I qualify for that would have helped me to ultimately have my loans forgiven. I have been an employee of a 501 ( c ) 3 nonprofit organization since XXXX. This first time that any agent of Navient ever asked me if I was employed by a " public service '' was in XXXX. 
In other words, Sallie Mae/Navient intentionally did not tell me about the Income Based Repayment Plan nor the Public Service Forgiveness options to reduce and forgive my student loans. They consistently put me in forbearance. They rarely signed me up for deferment and as a result my balance on loans that began as {$21000.00} increased to {$34000.00} in XXXX, an now is {$56000.00} today. Had I been given the information to consolidate my loans to a Direct Loan in XXXX or XXXX so that I could then apply for Public Service Forgiveness, I  would no longer have a student loan. Or, I would be 11 years into the IBR versus 2 years. 

Sallie Mae/Navient committed fraud against me.

Even today, the first customer service representative I spoke with at Navient gave me the wrong information and told me that I did not qualify for loan forgiveness. He then corrected himself twice during our 30+ minute conversation. I have asked that the recording of that conversation and the conversation with his manager be pulled