WillisBack/dataset-financial-user-claim huggingface dataset:
Around XX/XX/2013 I refinanced a loan with this company and surrendered my truck title as collateral. We set up auto draft so this company would always receive their payment on time. After paying off the loan I waited and waited but never received my truck title, finally I called this company only to be told they had mailed my title. I waited and waited again, 6 months had passed at this time and I started calling again only to be told they had just mailed it out. Again I have waited, called, left messages until I have given up and tried to apply for a replacement title only to find out this company is still showing my truck title with a lien against it, 2 years after it was paid off. I went by a local branch of this company and found out my title ad never been mailed, that it was sent to another branch over 400 miles away. Still I can not apply for a replacement title because this company is holding it hostage. I have checked all of my credit reports and it shows the account paid in full and closed, but I still have no title.
I have disputed the late payments on this XXXX XXXX XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXXXXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXXXXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I have never filed for Bankruptcy in my life yet the credit bureau is reporting that I have a bankruptcy from   XXXX   on my credit report. This is incorrect information and has been disputed numerous times with the credit bureau. My concerns are never addressed and this continues to damage my credit when the account is not even mine. I need the credit bureau to ensure their records are in order. In the past, the credit bureau has reported other persons ' accounts on my credit just because I share a similar name. If I really did file for bankruptcy in   XXXX  , would n't several accounts be showing on my credit as " Included in Bankruptcy ''? They do not because this record is not mine and I ca n't understand why the credit bureau refuses to see this and address my concern. I do not understand the logic behind the credit bureau investigation.
Received a phone call. Person spoke very fast and know personal information. Claimed that I owe for a payday loan from payday.com from 2008. Would not let me dispute the age of the loan and when I asked for written or emailed information was told that I would receive it after payment. I agreed to a settlement payment and then researched the company and found that they are scammers. I stopped payment and now they are calling me for that.
Three years ago, I went into XXXX ( XXXX, GA ) for a title loan. I submitted my vehicle title in exchange for approximately {$7000.00}. XXXX failed to properly explain the process and they NEVER, EVER mentioned that the entire amount would need to be paid in 30 days. I never would have accepted the load had the process been clearly explained. Month after month, year after year, I 've paid on a loan that is like a bottomless pit. To date, I have paid over {$20000.00} on a {$7000.00} loan. ( I will upload the documents verifying this amount ). The balance I now owe is more than the {$7.00}, XXXX I originally received. I have applied numerous times for a settlement and each time I was told, " No. '' The management has changed at least 6 times since XXXX. At least XXXX managers have told me that they do n't understand " why my case is being treated differently and that other customers in the past have paid $ XXXX {$3000.00} and their titles have been returned ''. Why? How? How is it acceptable and legal? My husband recently lost his job due to medical issues and I am the sole provider for my family. I simply can not afford to this loan ( $ XXXX ) any longer. Please help my family CFPB.
A company named Loan Depot called me more than 8 times after I repeatedly told them to remove my information from their call database. I also indicated that they are harassing and terrorizing me. They allege I solicited s request for a loan and I never did. They are allegedly based in XXXX but the phone number I have on caller id is XXXX based XXXX. 
When asked for a central number they provided XXXX XXXX XXXX which goes to an operator. The customer care line at XXXX XXXX XXXX also goes to voicemail, where I am supposed to provide my phone number and name for them to contact me. I did not request any funding from them or the website they allege they got my information from, XXXX.
In XX/XX/XXXX this year, I obtained a mortgage from Chase. Since it is a condo building, I was able to get a tax abatement. I was told that the escrow account will be calculated without tax abatement until the actual property taxes are paid so the bank would know how to adjust according. In XX/XX/XXXX ( after XXXX quarters of tax payments in ), I went to the branch to ask for an escrow adjustment, because the amount in my escrow account is really high and not based on real situation. The bank did an escrow analysis, but rather than lower my monthly payment, it went up by a lot while issued me a small surplus check which did not make sense. After several calls in the past 3 months with their escrow department, tax department and mortgage banking department, they still did not resolve this issue. I was passing from one department to another. Apparently nobody cares. As a result, I am overpaying thousands of dollars in my escrow when I should n't have to. I was not contacted and no new analysis was received after XXXX weeks of waiting. No apologies, no nothing.
Somebody sent me XXXX dollars by XXXX in bank of america ... i received a text it was in my account but never that money get in ... never
I have no recollection of any business transaction with either " The   XXXX   XXXX   XXXX   '' or "   XXXX   XXXX   ''. Currently these " organizations are reporting a delinquency with the  XXXX  major credit reporting agencies. After my own investigation I confirmed with the California  Secretary of State th at neither " company '' has a valid and current  Corporate  status. In fact both have been suspended and are now illegally operating.        XXXX   XXXX   XXXX
With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX  accounts that appear on my credit report immediately.
I requested a loan modification in XXXX due to financial constraints and have provided numerous documents to the 3rd party representative as requested. This company failed to make any determination about the modification request for greater than 12 months. I was offered as a deed in lieu option with a payout " cash for keys '' in XXXX XXXX. I completed the form and faxed to the mortgage company in early XXXX XXXX under the assumption if this was being offered to me it must be valid. Upon returning from viewing colleges with my son I received notice that my home was being foreclosed upon with a sale date of XXXX/XXXX/XXXX.
Received multiple calls personally and left no messages. They have also called one of my relatives repeatedly. My relative finally answered and they stated they were trying to locate my where abouts. He called me and gave the name of FMR and their phone number. When I called back and spoke to someone he spoke very fast and told me this was an attempt to collect a debt. And asked me if my last 4 of my social and then stated 4 digits. When I told him I refused to verify that info since I was no familiar with the the company he said well it's just the last 4 and then I said will not give verify that info he told me he wouldn't be providing me with any info and to call back if I wanted it and then disconnected the call. He would not attempt to verify anything else and would not explain to me why he needed just that federal law requires him to get that info.
On XXXX/XXXX/XXXX, I deposited a cashier 's check through the Bank of America ATM. On my receipt, it showed that the funds would be made available the next day, XXXX/XXXX/XXXX. The next day, I checked my account online and it showed that the check was being returned because the " payee not on account ''. After calling and speaking with a customer service rep, I was told that whomever received the check thought that the name printed in the " memo '' area of the check was the payee and that when I received the check back, I was to just redeposit the cashier 's check at the bank and all would be well. I waited one week for the check to arrive in the mail and then deposited it back into my account. Because the checking account has not been open long ( approximately one month ), a hold was placed on the deposit, making the funds available XXXX/XXXX/XXXX. I was told when I spoke with a customer service rep on XXXX/XXXX/XXXX that at the very least, {$200.00} would be made available immediately. I called and tried to have the hold removed because a cashier 's check should allow funds to be made available immediately and it was the fault of the bank that it was not deposited correctly the first time but they said they could do nothing to remove the hold or make any portion of the check available.
My insurance premiums kept going up though I had no tickets or accidents. This last time I just couldn't take it no more when they up and took it out of my account at almost double my premium I called they said that I had a ticket and no I haven't. Argued with them for a minute then they told me to get my record. Gave me the number to the reporting agency and I requested a copy. They sent me a copy and then I see several tickets and accidents I never have as well as the lady 's information that had this stuff. Different date of birth differant ssn different address well different everything even name. This is so unfair on credit reports and now I've been forced to pay higher insurance because of this.
Dear XXXX XXXX IQ DATA INTERNATIONAL Mailed me 2 documents on XX/XX/XXXX-2017 enclosed was validation of debt. However the documents sent to me was documents typed up from IQ DARA INTERNATIONAL. I would like to see a signed contract with my name and dates showing i have a contract withIQ DATA INTERNATIONAL. Below is the documents that was mailed to me which is  not a validation of debt. <P/>Thanks
I was in a car accident in XXXX 2013. The car was totaled. I should NEVER have been billed for the insurance policy! I want this removed from ALL XXXX credit bureaus ASAP.
We rented an apartment from XXXX XXXX and now have a line on our credit report showing " Collection/Attorneys Fees '' As far as we knew we had all of our rent paid, and cleaned the apartment to what they wanted before moving out and notified them of any damages while living there. We now have a debt in collections against my credit in the amount of {$490.00} against both of us. We were never notified we had outstanding fees, missing rent, or any notice of action against us.
Received notification of a derogatory error on my credit report from COI. Covergent Outsourcing INC. I have no knowledge of company and I have never signed a contract with this company.
After reviewing the documents provided by HSBC Bank I noticed that my mortgage is overstated by at least {$6100.00}. 

The documents provided by HSBC Bank state that HSBC Bank provided me with {$120000.00} at closing ( see attachment B, E & F ). That is new loan of {$110000.00} and XXXX XXXX XXXX Grant of {$7500.00}. However, after adding the closing costs to the XXXX checks from HSBC Bank it reveals that HSBC Bank only could have provided a maximum of {$120000.00} ( {$120000.00} - {$6100.00} ) ( see attachment A, B & C ), the calculation is below. 

On attachment B-2 there is a {$300.00} charge which should have been paid to XXXX for review of recognition agreement ; I contacted XXXX XXXX XXXX did not receive this {$300.00}. Also, on B-2 there is a {$1000.00} charge for settlement charge. In a letter dated XXXX XXXX, 2016 from HSBC Bank ( See attachment A-2 ) it is stated that the {$1000.00} was made payable to my closing attorney. However, my attorney said that this was a bank charge and it had nothing to do with him. 

Attachment D-1 is the lien filed in XXXX County for the XXXX Grant of {$7500.00}. HSBC Bank did not file any lien for the mortgage of {$110000.00}. 

I need HSBC Bank provide me with a check for the overstated amount ; that is {$6100.00} plus interest adjustments. 

Principal Amount New Loan XXXX XXXX Grant XXXX Total XXXX XXXX HSBC Check # XXXX XXXX HSBC Check # XXXX XXXX XXXX ( XXXX ) Closing Cost : Origination Charges XXXX Appraisal Fee XXXX Credit Report XXXX Daily Interest charge XXXX Settlement/Closing Fee XXXX XXXX Search XXXX Government Recording Charges XXXX Flood Certification XXXX Tax Service Fee XXXX Review Recognition XXXX Construction Fee XXXX Maint to XXXX XXXX XXXX XXXX XXXX ( XXXX ) Total XXXX Add Back : Settlement/Closing Fee XXXX My attorney said he had nothing to do with this Review Recognition XXXX XXXX said did not receive this Construction Fee XXXX Paid by XXXX Grant Check Received XXXX Maint to XXXX XXXX XXXX - Pro-rated XXXX XXXX Total Overstatement XXXX
After pulling a copy of my credit report i notice that there were a few late payments being recorded on my credit report that is being recorded under my social security number and this credit bureau removed the lates after i send them a certified letter in the mail with the return receipt they removed the lates and has placed them back on my credit report without notifying me in writing of any changes back to my credit report which is clearly a violation of the FCRA. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureau is required to notify me of the reinsertion in writing within 5 business days.
My huntington bank will not allow XXXX XXXX any communication although I have agreed please fix this on my account. My number isXXXX
My name is XXXX XXXX and I would like my situation investigated please. I have disputed a very old account over and over again that is appearing on my XXXX and Experian credit reports. Its been over 7 years that this XXXX account # XXXX ... has been inactive and paid and it is still showing false and incorrect information against me and its been ruining my score for so long now. I have contacted the bureaus individually and was not given any investigative results and also I 've contacted the company directly as well and was not given any forms of papers or validation to show me how and why this account is still appearing on my reports. <P/>I have repeatedly asked this account to be removed as it is defiling my credit report because violating FCRA law section 605. ( 15 U.S.C. SEC 1681c ) part ( a ) number ( 4 ) : it states " accounts placed for collection or charged to profit and loss which antedate the reports by more than seven years ''. <P/>XXXX 's does not even posses any paperwork with properly dated material that shows precisely when the last amount was paid and sent straight to profit and loss. This was in the very beginning of 2010 and both accounts have been re-aged, are inaccurate and make no sense compared to eachother. They both contain dates off by years and XXXX has been completely ignoring any of these discrepancies which I have been stating. There is no proof of dates or reasons and nothing was provided to me initially when I requested a proper investigation from XXXX, Experian and XXXX XXXX. Therefore this is outrageous and illegally reporting against me.
After first reviewing my credit report in XXXX of 2015, I noticed a " delinquent '' statement for TSI/XXXX. I was unsure of what it could be as I was never notified of any past due bills via mail, telephone, courier, etc. I had never known of any past due balances, let alone any past due balances to a company name TSI/XXXX. It was not until I investigated further with a credit report that it was in fact a medical provider " Shadow Emergency Physicians '' that claimed that I had a balance and they sent the balance to Transworld Systems Inc . Neither XXXX or Transworld Systems Inc. have EVER made contact with me or any attempts to collect debt ( to this day, XXXX XXXX, 2015 ). This claim has played an extremely negative effect on my credit score and, as a young adult, I require assistance in disputing and resolving this issue as promptly as possible.
Transunion is reporting the date of birth that belongs to someone else AS ( XX/XX/XXXX ), not mine ... .my birth date is ( XX/XX/XXXX ) Also Transunion is NOT reporting my current and true address of XXXX XXXX XXXX XXXX XXXX , TN XXXX. I have attached my photo ID with my current and true mailing address, please update my file, thanks.
Equifax is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Equifax is violating provisions of the FDCPA by implying that the legal status of XXXX ( XXXX ) debts are collectible by reporting the alleged debts on my credit report. The exact statute is 15 USC 1692e, ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Equifax does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Equifax may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Equifax is willfully and knowingly violating germane Colorado statutes by publishing defamatory and incorrect information.
Due to website problems, XXXX identical payments were submitted to CitiCard on the same day. When I discovered the error- a Citi customer service rep offered to keep the overpayment & assign future credit, then - as I protested - agreed to 'try to get a refund authorized ' which would take a few days. 
Considering how vigilante CitiBank is for 'fraud ' and late payment - it seems absurd that a {$9800.00} same day double payment could not trigger an alert to me before it was " too late. " In addition, the website problem that contributed to the duplicate payment was additionally obscuring of my account. A $ XXXX payment- noted in the account summary, was not subtracted from Account Due total. Since I was eager to avoid high finance charges, I called customer service to be sure I was paying exactly the correct amount to qualify for NO finance charges forward. For over 25 years I have paid my credit card in full, but discovered that once late payment triggers " XXXX cycles '' of finance charges on exisiting purchases. 
If the website had shown my accurate balance due in a clear way- and if it showed an identical payment already made when the customer service agent manually entered the duplicate ( the website was not accepting my payment from my XXXX XXXX XXXX acct ) - this mess would have been avoided. 
Obviously, there is no incentive for CitiCard to monitor OVERpayments ; holding my {$9800.00} 'hostage ' is clearly a boon top them if thousands of customers are treated similarly. 
There is an easy technical solution- can you make them fix this? 
If you require documentation of my difficulties- I am happy to submit all records & names of customer service contacts. 
Thanks for your attention to this matter.
I have dealt with Navient ( and XXXX XXXX ) since I got out of School and have had nothing but problems with them. They range across the board for a number of things : - Inability to work with me on trying to lower my payments. - Placing my loans in forbearance instead of accepting lowered payment options that I could afford just keep charging me interest. - Hanging up on me when I tried to discuss my repayment or interest lowering options. - Refusing outright to remove my parents from my loan as co-signers even though I 've never had them make a payment on my behalf. <P/>This group of humans have made life for my family rather difficult over the past 10+ years since I 've had to pay my loans. I have gone through times of economic hardship solely because of the extremely high repayment of these loans. As an XXXX Veteran, I simply wanted to do better for my family after leaving the service and Navient is making that XXXX near impossible. I struggle week to week with paying everything because I have to pay them so much. I do n't want to call them because of what I 've stated above to I do some fancy footwork to make it all come together. But, in the end it exhausts you to no end when you ca n't even take your wife to a movie because you have to account for every penny so you can make sure you do n't get hit with a late fee from these jackalsXXXX
Someone have stolen my identity and refinanced my home while I was under wage earner. The case numbers are XXXX which was discharged in XX/XX/XXXX. On XX/XX/XXXX, the loan I had with XXXX XXXX XXXX was refinanced, the new loan is with XXXX XXXX. The loan number is XXXX. IRS brought this to my attention while I was pulling transcripts. I paid XXXX XXXX XXXX off through payroll. Case number XXXX was discharged XXXX. I had no idea that loan had been refinanced, I did n't know that could be done while you 're under wage earner. I thought you were protected by law. That Was The second loan. I need property taxes from XXXX. The property parcel I 'd is XXXX.
This is my husbands debt. He put this utility in my name, but I was not workings at this time. We are going through divorce. And he stopped paying for this one because it was in my name. He stopped paying for the electricity since our divorce action has begun. Which is the end of XXXX 2014