WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX is my finance company.The very first day I got the car I tried explaining to XXXX ( sales person ), and the guy in finance that the mileage was all wrong. The vehicle was showing a little over 18,000 miles on the dash board but my paper work was showing only 3,000. During the first of week of having this vehicle every bump I hit the all the lights would go off on the car, the head, tail, brakes and dash board. The mechanics asked to keep the car over night and that they was going to drive it home and so they did and they gave me a loaner. They tried keeping my car for a few nights. I was told to pick up the car so I did. A block away the lights all wet out again so I took the car back and when I got up there they all was very mad. So I had been calling XXXX ( the manager ), for a week so he approaches me by calling me and I told him not to approach me like that. So him and I got into a huge argument and he called the police on me and told them that he wanted me arrested. The officer told him to give me my car. XXXX told me that they was not going to honor the warranty that I had because I was never allowed back on the lot. So they would not take the warranty off my contract. I was on my way to XXXX to visit my mom when all my lights went out again.I paid out of pocket over {$800.00} to have the car towed back to Georgia. I paid over 5,600.00 to have my car rewired. and paid my car note. Soon after that my brother XXXX XXXX who was not in any life insurance so me and my family had to come up with the money for his XXXX and XXXX. So, I was speaking with a rep from XXXX who had agreed to allow me to make a payment and the other payments would go in the rear and they would adjust my account for the XXXX that I had to pay. About a week after our agreement she no longer worked there and the company would not honor the agreement that she had made with me. Just a few months afterwards they put on my credit that I owed them {$21000.00}, it was discharged and repoed. The problem is is that they never repoed my car. I tried to get another vehicle but I could not because of the repo on my credit. About two weeks ago I was at XXXX and my XXXX year old grand daughter was sleeping in the car and the repo man had hooked his truck up to my car and my granddaughter started blowing the horn. I called the police and the police came and told them to give me my car but my grand daughter had to get out the car before they let it down. They had towed the car a few feet with my grand daughter in it, The name of the company that towed the car with my grand daughter in it is XXXX, XXXX XXXX and her phone number is XXXX. My reference number is XXXX. She called me today and said that XXXX hired them to repo the car. Both of these companies has violated me. XXXX should have never put repo on my credit because they never repo the car and XXXX should have never towed the car a few feet away because my grand daughter was in the car. I have filed bankruptcy.
I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I will give account numbers upon request.
I have been trying to work with Fifth Third Bank for over 1 year now and still they are not processing my paperwork correctly. I have had to contact the President of the bank on several occasions and until I have done that I have not been able to get any response. I started trying to get a modification to my mortgage in XXXX of 2014 and used an agency by the name of XXXX XXXX XXXX in XXXX, PA and Fifth Third Bank did not respond to them. However I was told by the bank representative that they do n't work with third party agencies. During the last modification process which was in XXXX I was told by the representative of the bank that I needed to forward all income and that was done, however all of my income was not used and therefore they denied my modification for several reasons. The first reason is that they said my illness was not a legitimate illness for me to have lost my job and secondly that my income did not fit the proper amount, third that my credit report from the credit agencies was not favorable in order for them to do this. I forwarded another letter to the bank 's representatives and explained the situation and was contact by XXXX XXXX XXXX who advised me to forward the remaining documents for financials and that was done in XXXX. At that time I was told by her that I would have to continue the process all over again even though it was handled poorly and improperly by the bank. I told her that I should have to do this, but am forced to do this anyway if I want the modification to go through. I have not contact the XXXX in XXXX in order to get additional help in trying to resolve this situation. Fifth Third Bank has tried to foreclose on my home twice this year. One resulted in them having to recend the judgement because it was noted that they filed prematurely. Second is now when they are trying to start the foreclosure process again using some incorrect and outdated information forwarded to this week. I have forwarded the information down to the XXXX so that we will be able to work together to straighten out this information. In the copies of the documents that the bank forwarded to me this week, they state incorrect information and therefore they are seeking a judgement on the pretence of the wrong information. I have been struggling with Fifth Third Bank for far too long with respect to this issue. It takes the 6 months or so to respond to people who want to obtain modifications and I have documents to substantiate this claim and by the time the respond, you are in the foreclosure process which they seek late fees and damages which they would otherwise not get if they would do things properly. I have hundreds of documents that ca n't be attached to this online complaint and, this is not the entire problem but it is enough to help us get started. Please have someone contact me soon as I do not have much time. Thanks
XXXX XXXX, Owner of XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX requested a HELOC on his property. Maximum on that loan was {$45000.00}. When he went to sell the property, Capital One ( second lien holder ) indicates {$95000.00} is owed. They wo n't explain why the amount has increased so drastically other than a generic letter stating " he owes the money ''. I am a licensed Realtor/Broker and have a Power of Attorney to work on his behalf. I am completely at a loss to get any information from Capital One, and do not understand how the real estate records can indicate a lower amount is owed, yet the Loan PayOff Statement indicates almost twice that amount is owed. There was no re-finance, no second appraisal, the consumer signed nothing, and he claims fraud on the part of the bank. I have plenty of documentation to send.
I took out an installment loan XX/XX/2016 for {$1700.00}. They paid off the balance of my car which was {$600.00}. When I signed my final loan papers, my payback the was on the screen stated {$2600.00}. I was off sick XX/XX/XXXX and when I looked again, my total payment for this loan was {$4000.00}. I immediately contacted them and asked them why it went up so much and they said this was the original amount. I tried to pull up the original info I signed and it wa sno longer available. I asked them how could they possibly charge me almost {$3000.00} for a {$1700.00} loan?? The interest rate is almost 591.00 % which is ridiculous! But with loop holes being in the Ohio consumer loan process, they get away with predatory lending which this is. They offer a loan amount to those who have bad credit and then charge a high payback along with ridiculous interest rates and fees. My car was almost paid off and now I am back in the whole with a 10 year old care fore 3-4 more years.
On XXXX XXXX, XX/XX/2015 I applied for the BBVA Compass Bank XXXX credit card. The following morning, I was contacted to verify my name, address and social security number. On XXXX XXXX I received a letter stating the terms and conditions and balance transfer checks. On XXXX XXXX the card came, which I activated at that time. The next day I attempted to make a purchase which was declined. When I contacted BBVA I was told the account was under review, but not given any time frame or further explanation from the Bank. On XXXX XXXX I was advised by a CSR that my account has been closed because they were unable to verify my identity.
I contacted Chexsystems about FRAUD under my social security number and to investigate each reporting bank. I called and mailed them correspondence to dispute each item. I strongly deny these items. I told them the law was to provide me with copies of any documentation associated with these " [ items ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages. They stated they would not investigate and then they said investigation was done in XXXX YET I was not provided any documentation of any kind. 


The accounts below are what's reporting that does not belong to me THAT CHEXSYTEMS SAID THEY VERIFIED YET GAVE ME NO CORRESPONDANCE OF VERIFICATION. 



1. XXXX XXXX XXXX XX/XX/XXXX XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 5. XXXX XXXX XXXX XX/XX/XXXX XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 7. XXXX & XXXX & XXXX XXXX XX/XX/XXXX XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
On XXXX/XXXX/2015 about XXXX Jefferson Capital Systems Collection Agency sent a person to my apartment to deliver a Summons court order from XXXX county court. Only my XXXX XXXX XXXX and my XXXX XXXX XXXX daughters were there and he forced my older daughter to sign these documents. Since she 's a minor she should n't had been force to sign just to get these documents delivered? or does she?
This is in reference to Citibank credit card. the debt was in the hands of XXXX XXXX XXXX before I became XXXX as of XX/XX/2015. Most of my creditors have cancelled my debts as to my XXXX status but XXXX XXXX XXXX is pursuing an old debt for XXXX who purchased the debt. They have threatened to take legal action if i don't pay and this is the first and only letter I have received from their firm.
XXXX XXXX XXXX appeared on my credit report. I contacted the company several times to explain that the debt does not belongs to me and to please remove. I attempted to call XXXX to ask them to remove the debt because it was not my debt as well but I was told that they can not remove a debt that I must go through the company. I have exhausted all options to resolve this unauthorize debt.
TD Bank charged my account XXXX with an overdraft fee of {$100.00} when there was no reason for the overdraft. 
I want TD to inmidiately return the amount since in the last year they have charged me over {$800.00} in overdraft fees.
I added a new checking account to my payment options. This checking account had enough money in the account the pay my credit card balance, in full. The new checking account was confirmed that is was active but the payment that I made on the credit card was taken from another bank account. This bank account did not have the money to make the payment, in full, on my credit card. Due to the money not being there BoA attempted to withdraw the payment, and a {$35.00} Insufficient Fund was added to my account. This amount was then " added back '' to the account, only to be removed a few days later, also causing another {$35.00} Insufficient Fund. 
BoA did not have approval to remove money from the previous account. The new account was added to make this payment because that is where the money is. Now there is {$70.00}. 
XXXX in insufficient fees added to my account that BoA is responsible for and money that was withdrawn from the incorrect account. What is BoA going to do to correct their mistake?
XXXX XXXX is knowingly reporting false information to the credit reporting bureaus. 
XXXX XXXX bought an account from GE Capital ( XXXX ) and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. This account has been settled and continuously report inaccurately. After demanding validation of debt, they failed to respond in the required days with the information that was requested, furthermore I decided to settle the account in order to take care of the item in order to be able to buy a new home before my upcoming deployment. This account is further negatively affecting my credit report and score due to this company 's false reporting.
3 months ago i had to get my car repaired because im XXXX and need a running vehicle plus according to the the contract the vehicle has to stay in running condition. I only have a month income so only could get car repaired. I explained this to title max they said corporate was going to have to speak with me. I said that was ok. After car was repaired i took in the invoce. No. They took my next payment then refused the following payment. I called corporate to try to work something out they were rude. And my contact doesn't say they can refuse payment. Now i worry every day i will lose my car and the interest keeps piling up and and i do not have this kind of money now. I live on ssi. I only have my contact i have asked for other paperwork pertaining to my account and they refused to give it to me.
I have been trying to lease a new apartment and while going my report I discovered I had some Fraudulent addresses on my credit report and inaccurate information as well. My Name is XXXX XXXX XXXX please remove any variations of my name. My current employer is XXXX XXXX XXXX XXXX. Please remove all others. The following number are showing on my Trans Union report they are not mine please delete them ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
XXXX previous case numberSince my last written complaint, Nationstar approved a HAMP but not what was originally agreed to ( Did not take off my ex husband or give me the interest rate offered by Aurora Bank ). My payment went up with this version of the HAMP but I was told my ex husband who is on the loan would be removed with this new HAMP. So, in order to get my ex husband off the loan I agreed and signed the HAMP. When I received the HAMP paperwork, I was shocked and dismayed my ex husband was still on the paperwork and I got a higher interest rate. Upon calling my rep, he explained that he would attach my divorce decree and quit claim deed where the property was quit claimed to me solely by my ex husband that this would remove his name from the loan. So, I signed and returned the paperwork regardless of the higher rate to attain this end. I attaching the email from the Nationstar rep stating that his name would be removed. I signed the paperwork with my ex husbands name on it without his signature. Nationstar signed and recorded this document ( see attached ). My ex husband served me with a lawsuit for not making payments, ruined his credit, and for not taking him off the loan. When I called Nationstar about this the said they will not remove his name off the loan, even with the paperwork I signed, the proof I sent, and the written email from their company. Now I come to find out that they fraudulently manipulated my credit report to show late payments that never occured putting my payments in a suspense account. All of my payments have been on time and I have copies of the cancelled checks to prove it so. They admitted their manipulation of the credit report however it also affected my ex husbands credit report. Their fraudulent actions not only affected me but my ex husband as well, from which I understand this is a federal offense. I am now in the XXXX year of this process. I accepted Auroras offer at 2 % and taking my ex husbands name off the loan, upon the sale of this loan to Nationstar they claim they lost the paperwork ( funny how they said they lost it but yet they accepted modified payments they said they lost XXXX. So I had to start the process all over again. I have now had to hire XXXX attorneys to try and straighten out this mess. One to defend my husbands lawsuit and the other to make Nationstar do what the said in writing. We are still going back and forth with Nationstar to do what they said. XXXX If you would like to verify that last sentence you may contact my ex father in law which I can supply his name and number if requested.
XXXX XXXX XXXX has sent my account to collection company while The full Patient share has been paid. XXXX XXXX  is forcing me and pushing me under pressure by collection company to pay the insurance share due to the fact their claim process was not done right and insurance just paid for an alternate.
Summit Financial never helped us recover this account at all. The customer service representatives we're very rude and always lied. I contacted the company through email multiply times to resolve my issues and even when the car was totaled what steps did I need to take next and still no answer. On my credit report they have it as a charge off and that is untrue. Summit Financial needs to fix my records or delete the record and its entirety.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Also, their leadership, who were well aware of the hack, dumped their stocks prior to making the information public. This is entirely unethical and a poor handling of invaluable data.
For the last 10 years, I have had my home equity line of credit with JPMorgan Chase Bank ( " JPM '' ), My original line of credit was {$100000.00}. After the credit crisis in XXXX, JPM terminated my line of credit to simply my outstanding balance with no additional credit. XX/XX/XXXX, XXXX tripled the amount of my payment on my home equity line of credit from approximately {$200.00} to {$510.00}. I requested that JPM refinance my payment to decrease the payment amount to the original amount of {$200.00}. JPM refused and told me to file for hardship with a government agency. I am now stuck with making an exorbitant payment of {$510.00}. In order to make sure that I never missed a payment, I set up auto debit first from my JPM Checking Account and then from my XXXX XXXX Checking Account. All of the payments have been made automatically without a problem. XX/XX/XXXX, I received multiple notices in the mail from JPM threatening legal action because they stated I was not making my home equity payments. I immediately called JPM to inquire why I was receiving their notice. I spoke to about XXXX dozen JPM reps in their " escalation department ''. They said that my account was not set up to make automatic payments. I told these reps that was a lie. My account had been set up for automatic payments for years first from JPM account and then from my XXXX XXXX account. I went online and checked and somehow JPM had disabled my automatic payments for my home equity line of credit WITHOUT ANY NOTICE TO ME. The JPM reps were pretty nasty and told me that I was late and they reported me to the credit bureaus to damage my credit rating! I was stunned. I could not believe that an account that I had for over 10 years was WITHOUT EVER MAKING A LATE PAYMENT was now fraudulently misrepresented that I did not have automatic debit set up and materially misrepresented to the credit agencies to damage my credit. I called JPM again and spoke to a rep by the name of XXXX XXXX ( XXXX extension XXXX ) and he told that JPM would NOT reverse the fraudulent representation made by JPM to the credit agencies. I simply hung up. Over the last few years, JPM has arbitrarily shut down my line of credit ( solely due to the XX/XX/XXXX credit crisis ), tripled my payment and shut down my auto payment and falsely reported me as delinquent to the credit agencies. JPM 'S abusive credit practices must be stopped!! JPM must be compelled to remove the negative credit agency information from my credit report immediately. It was XXXX 's own incompetence that caused the payment not to be deducted from my checking account.. I had the accounts properly set up for YEARS!! XX/XX/XXXX or XX/XX/XXXX, these incompetent fraudsters disabled by autodebit and then decided to malign me to the credit agencies. JPM is a disgrace!
Received a call from a man stating he was with XXXX about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is XXXX XXXX and not even licensed. They need to be stopped!!
Midwest Recovery is representing XXXX XXXX and XXXX XXXX. These items are already listed on my credit report as the past due debt from XX/XX/XXXX. Midwest Recovery is submitted these debts as current past due debts for XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current day. I do n't think these reports should be on my credit report as current past due bills.