WillisBack/dataset-financial-user-claim huggingface dataset:
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Documents were sent to Bank of America on XXXX XXXX, 2016 for a request for a modification review of the Making Home Affordable Program. 
When a call was placed to the Bank of America on XXXX/XXXX/2016, XXXX at BOA stated all docs were in and nothing need at this time. She also advised that the file was moving to underwriting for a decision. 
Another call was placed on XXXX/XXXX/2016 to BOA where a representative named XXXX XXXX proceeded to go over requested documents from XX/XX/XXXX. After she was advised that documents were sent in on XXXX XXXX, 2016, she stated that a review of those documents had not taken place yet. No documentation were sent about missing documents to complete a review. The documents have just sat in the possession of Bank of America with no action. 
Per the regulations of PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) 1024.41 Loss mitigation procedures. Per the regulations of Regulation X the lender is required to review the documentation as long as it is received 45 days or more before a foreclosure sale, a servicer shall : ( A ) Promptly upon receipt of a loss mitigation application, review the loss mitigation application to determine if the loss mitigation application is complete ; and ( B ) Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. 
They are not following the appropriate procedures of a loss mitigation review.
Cavalry Portfolio Service is claiming that I owe {$460.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Calvary is a printout of some bill from what they say is the original creditor. When I receive it in the mail I call Cavalry and explain that this bill doesn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill.
I obtained a loan for {$2000.00} from the business " Cash Central '' in XX/XX/XXXX. The loan defaulted and I owed a balance of {$2200.00}. It was sold to a third party in XX/XX/XXXX and the balance was paid to them in XX/XX/XXXX.  Cash Central has confirmed in their system that my account shows a balance owed to them of {$0.00} ; however, they continue to report to XXXX  that I have a past due balance of {$2200.00}, significantly impacting my credit. 

I'm currently obtaining a mortgage and was just on a 3 way phone conference with my lender and Cash Central. The mortgage is going to be fine because Cash Central confirmed a {$0.00} balance ; however, the fact remains that they are incorrectly reporting my balance to XXXX. 

The loan officer said he was confused because no company is allowed to continue reporting a past due balance once they sold the account and are no longer owed by the consumer. 

They confirmed that they will forever report a past due balance of {$2200.00} to the credit bureau despite the debt having been paid. 

The phone conversation was recorded and they are sending me a letter confirming this information.
I recieved this parental loan in 1995, I had borrowed over {$9000.00} and have repaid {$13000.00} I still have an outstanding balance of {$14000.00}
I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of XXXX which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and TransUnion how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX   XXXX needs to be removed
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my XXXX XXXX, XXXX  and Experian credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX
Ive been struggling with this car note. I XXXX XXXX and am building a business for myself. Business has been slow, but Ive been working on paying the bill. XX/XX/XXXX, I paid one and one-half month 's car note to start playing catch up. On XX/XX/XXXX, I called Santander to see if there is ANY relief, even if temporary, with the 25.92 % interest rate, as Im not making any progress on the principle. I'm told " no ''. I tell the rep I will only be two payments behind, which should avoid repo status, so I will follow up next month. Im struggling XXXX XXXX, which is how I earn money. On XX/XX/XXXX, early in the morning, after driving all night, Santander 's repo contractor came and go the car. Unlike with foreclosure, there is no warning. On the previous time i spoke with Santander, I was not up for repossession. PLUS, when the account went up for it, no one notified me. That didnt have to be that way. What if I had been out in public and became stranded? Regardless of wanting to help me keep the car, which I owe $ XXXX for after buying it for $ XXXX and paying over $ 10k towards in just interest and fees, I know more could have been done. Despite a couple of granted extensions to reduce delinquency, the law should FORCE ALL lenders to follow the mortgage protocol when loans default. Two payments past due should not warrant a repo, especially with no notice. The worst part is I just put over {$2000.00} worth of work in the car for battery, rack and pinion, tires, inner tire rods, and more. Plus, Santander KNEW IT!! Even worse, when my rent was WAY behind because I was working but income slowed down, I kept it updated monthly.
I have a second with Bank of America. I was paying as the computer said I owed. My loan would often disappear from the web site and then reappear several days later. I went to the bank to find out what was happening and after several phone calls I was informed that my loan was closed out. I never received one email or phone cal from the bank. The person I spoke to said it was not the banks responcibility to call me. They said they called every day and yet never left a message as to why. I was forced to pay more than the monthly loan amount by several hundred dollars. I need some assistance
In spite of good credit ( better rating than when I applied for the card ) and zero payment issues with their company or any other creditor, Synchrony Bank, Walmart Credit card arbitrarily reduced my credit balance from {$3000.00} to {$1500.00}. I 've attempted to correct this through them and they only give me the run around and refuse to return it to the limit that was originally issued. They can not specify any reason as to why it was reduced.
As the ( CFI ) College Foundation of North Carolina loan in question is almost 14 years old, I requested a promissory note with the exact amount borrowed, along with how interest is calculated. I received a Master Promissory Note that gave no indication as to amount, and did not adequately explain calculation of interest. Given the age of the loan, I want to determine how much was originally borrowed, and if the lender still owns my debt. Please help me determine ownership and amount of my loan.
Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a XXXX balance.
Capital One credit card phone representative agreed to remove XXXX 2013, 30 day late they reported as an error because of my XXXX XXXX XXXX XXXX. Immediately Auto Pay was fixed and payment has never been missed in excess of 29 days or more.
On  XXXX   XXXX ,  XXXX  I entered into a  XXXX  month lease for a new  XXXX   XXXX   XXXX  with creditor  Mitsubishi Motors Credit of America   XXXX  MMCA  XXXX . Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent  XXXX  lease payments were paid in  XXXX  lump sum, totaling {$2400.00}, and was received by MMCA on  XXXX / XXXX / XXXX  ( see attached MMCA statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report  XXXX . The vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX . MMCA fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because MMCA 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with MMCA on  XXXX / XXXX / XXXX  a MMCA representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not MMCA ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my  credit score  due to thier fraudulence.
I sent a second re investigation letter into Experience along with additional proof of a collection on my report the is incorrect. Collection account name is XXXX XXXX. I received an email stating the debt remained. Around the week of XX/XX/XXXX I called Experian asking how this is possible with the proof that I sent in. The rep looked at my proof and said yeah she agreeded but just cant delete something and told me I need to work with the collection agency. I explained to her I have called them and faxed them and they refuse to speak with me. I went on explaining they are bulling me and know the debt is wrong. Also the amount showing owed doesn't even match what was billed to the insurance from the original party. 

The rep then went on to say she will call the collection agency. She called and stated XXXX told her to tell me to send them the proof directly. I said back to her how does that make any sense when your company already stated they showed them the proof with my dispute? Then went on this is what I mean that this company is trying to bully me. The rep told me there was nothing she can do. Experian is ruining my credit and are reporting incorrect information after a lot of proof as been provided.
Santander Consumer USA has recently started reporting on my credit reports that I have a past due balance of {$11000.00}, which is not true. Santander financed a vehicle for me in XXXX XXXX for around {$14000.00} plus interest. Santander repossessed the vehicle around XXXX XXXX XXXX. I contacted Santander the day the vehicle was repossessed and advised them that I needed to get my property out vehicle and also I wanted to know the past due amount and information on the repossession. The rep for Santander advised me that they had no information about my vehicle being repossessed and stated that, if the vehicle was repossess I would received a letter in the mail letting me know what I needed to do to get the vehicle back. Also the rep stated that getting my personal property back was a private matter between me and the towing company. I never received any letter or any further communication since that call in early XXXX XXXX. I found out about a month later from the repo company that vehicle was sold at auction and I was out of luck on my property. Fast forward to XXXX XXXX, I pulled my credit reports and to my surprise, Santander is on my credit report claiming I owe them {$11000.00} for a vehicle they repossess? Which they make no mention of the repossession on my credit report they simply just state the account was charged off. The original finance amount of the vehicle was approximately {$14000.00}, plus interest. I called Santander on XXXX XXXX XXXX to request information on this, to see how was it possible I would owe {$11000.00} on a vehicle that cost {$14000.00}, and was sold at auction and was advised they sold my vehicle at auction for about {$6000.00}, and the {$11000.00} is for the daily interest they are charging on the past due amount! How can I have a past due amount? Well Santander has been charging me {$420.00} a month since the repossession! First, they have no right to charge me interest or anything else after they repossess the vehicle without a court order in the state of North Carolina. Second, they never notified me after the repossession to advised me of the amount to get the vehicle back or the auction date. That is also required under North Carolina law. Third by not contacting me thru this entire process, they have denied my right under collection laws to dispute the amount they are reporting I owe to credit reporting agencies, the reporting is a form of collections which is also against North Carolina law without a deficiency judgment giving Santander the right to collect the debt they are claiming. I 'm looking for help to resolve this matter because I can not get anywhere talking with Santander directly.
The Rhode Island family education loan which was taken out with my grandmother as co-signer has defaulted and immediate repayment requested. The co-signer, my Grandmother, passed away and the RI student loan authority, through the lawyer XXXX XXXX XXXX XXXX, has filed a claim against her estate. The claim is against the estate for XXXX others whom my grandmother co-signed. The XXXX of us have been repaying our loans, as usual since the loan provider contacts you after the six month grace period. We have been reducing the total amount of loan, but the claim is for the original amount which we all took out. The claim is for {$97000.00} and I know that the claim is off by at least {$11000.00}. I know this because I owed {$17000.00} vs. about {$6000.00} currently outstanding. ( document attached ) Also, monthly payments are being made of about {$120.00} per month.
Plaza Services is reporting a collection on my credit reports for a " XXXX XXXX XXXX '' payday loan claiming it was opened XX/XX/XXXX for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.
I called my mortgage company, PennyMac USA, about my Loan ( XXXX ) on XX/XX/2018. I'm currently unemployed and asked for a short-term forbearance because I'm struggling to make my payments. I was rejected because I paid XX/XX/2018 and wasn't in default. They said I didn't qualify for a short-term forbearance because I wasn't 3 months behind in my payments. 

I told them I'm trying to be proactive and let them know that I'm struggling financially, but actively looking for full-time work. They said I needed to be 3 months without payment before I could qualify to " not pay. '' I'm afraid that if I don't pay for 3 months, they'll start the foreclosure process. 

Please help. I want to remain in good standing, I'm looking for full-time work, but I need a short term forbearance while I regain income. 

Thank you!
In XX/XX/XXXX the XXXX XXXX, FL courts order XXXX XXXX   to remove the debt they had reported on my credit profile to be removed. I contact Equifax three times and provide documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All three times I received notice that they could not remove this debt off my profile. WHY! I have a court order stating it needs to come off. What else do I have to do to resolve this?
I received a box of checks and savings account packet from Wells Fargo way back in XX/XX/2013. Unauthorized accounts were opened in my name, as well as my minor son 's name. I drove directly to my Wells Fargo Branch and spoke with the Manager. She stated it was due to human error, and to change my passwords. The manager assured me that everything was fine. 
This past XX/XX/XXXX, I received a letter from the Administrator handling the Class Action Suit against Wells Fargo for unauthorized opened accounts, requesting additional information. I was asked to call the Wells Fargo Resolution Department and request the last four numbers  of the accounts that had been opened without my authorization. Knowing there were the two accounts, I thought the issue had been resolved back in XX/XX/2013. 
Upon calling the Resolution Department, I was initially told I had 12 unauthorized accounts opened in my name. This through me into a panic and I drove straight to my branch again. A banker put me in touch with a Resolution Team Manager and while looking over the paperwork that the banker provide me, I was able to see a male name printed on a statement who felt it was justified to access my personal information as well as my sons. I asked if the male individual was still employed with Wells Fargo, and with much hesitation, he stated that the male was currently employed with Wells Fargo and works in the Mortgage and Refinancing Department. This truly disturbed me. 
I am XXXX years old and I suffer from a XXXX XXXX/XXXX XXXX. I am a victim of XXXX  XXXX as well as XXXX  and XXXX XXXX from my XXXX. I have attended many therapy sessions, and I am on medication for my XXXX XXXX XXXX. Receiving all of this information has been overwhelming and has devastated me. 
I spoke with the lawyer who is handling the Class Action Settlement Claim about my concerns, and he highly recommended that I file a complaint with the Arizona State General Attorney 's office as well as filing a police report against XXXX XXXX XXXX for Identity Theft and Fraud. 
I am now having difficulty leaving my home again. I am constantly looking out my front window to confirm XXXX is not there. I feel like I am being watched throughout the day and night. I am having difficulty focusing on pretty much everything in my life at this point. 
XXXX XXXX had absolutely no right to use my personal information for his own benefit. Knowing he opened unauthorized accounts so that he would reach his quotas and receive a cash incentive bonus sickens me. He knows everything about me. My address, my cellphone number, my social security number and my drivers license number. I know absolutely nothing about this individual. 
I have filed a complaint with the Arizona State General Attorney 's Office and I have filed a report with the XXXX County Sheriffs Office. The officer who assisted me recommended I should file a report with you as well.
Santander has refused to remove a fraudulent account from my credit report despite me advising the company that after investigating the account they are reporting, I have found the account to have been opened by someone other than myself. Santander 's attorney XXXX XXXX, advised that an identity theft report must be made in order for them to stop reporting the fraudulent information. I have completed an affidavit with the FTC and would like the fraudulent information to be blocked or removed from my report immediately.
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified That I have disputed. Please resolve this manner as soon as possible. Thank you
I graduated XX/XX/XXXX and had my loans consolidated and put on income contingent. My account has never been delinquent or has had a missed payment. I went back to school after XX/XX/XXXX which put me in another deferment and my subsidized loan interest were being paid by the government. A couple times I went below the minimum hours required and when my deferment expired I requested an economic hardship because I qualified. I was told each time to go on a forbearance even know I qualified and requested economic hardship as well as faxed all the required paperwork. I should have 0 interest built up and capitalized on my principal for the subsidized loan as the government should have been paying my interest on these but because they put me on forbearance in which I did n't request it has been accruing interest that has capitalized each year. I asked and submitted documents every time this happened and made sure I requested economic hardship and each time I was told by them they could only put me on a forbearance. I finally complained to them and XX/XX/XXXX they finally put me on economic hardship but it is showing that interest on my subsidized loan has continued to accrue during this time and the government is not paying the interest. I feel that they have purposely ignored my request each time for economic hardship and put me on forbearance to increase my debt. Interest on subsidized loans under economic hardship should be paid by the government but in my case it appears that I 'm going to have to pay it. Something is not right! They are now looking into it which makes me wonder how many others are getting XXXX!