WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing in reference to a car I purchased back on XX/XX/2011, financing done by Toyota Financial Services, XXXX TX. I voluntarily called and gave the car back because it was impossible for me to continue with the payments and fixing of the many problems that car had since the moment I bought it. I tried to return it using the Lemon Law but because the car had more than 8000 miles at the time I bought it didnt applied. After the warranty expired I had to go to XXXX XXXX and XXXX XXXX to have additional repairs done. I was told by this company that the amount of the repairs was going to exceed the first estimated I was given by them. At that time I had no choice but to call the financial company and request to have the car pick up at the body shop and have it voluntarily surrender by me. 
I had to keep making the payments of my loan as you can see in the documents that I am attaching and just three months after I finished the last payment because I couldnt keep making them the same body shop took over the car as you can see in the Tag records that I am also attaching. The car since then had had many other owners ; proving that I dont owe the total amount, first because I made payments, and second because it was sold several times after it was repossessed. 
I have call several times the financial company, my calls have been escalated to higher levels with no results, they can not find a bill of sale, my payments or anything related to what they have done with this car after me. This has been going on for years. This financial company put on my credit the full amount plus repo expenses and the same it is happening with a XXXX XXXX  that I had just received. 
LAST YEAR I RECEIVED A CERTIFICATE OF TITLE ON MY NAME AS IF MY LOAN WAS PAID OFF AND I HAD A CLEAR TITLE OVER THE CAR. I CAN ACTUALLY PROCEED TO FIND THE CAR AND HAVE IT IN MY POSSESION ACCORDING TO THIS CLEAN CERTIFICATE OF TITLE EVENTHOUGH THE CAR HAS A CURRENT OWNER THAT MAY BE FINANCING OR IS ALSO HAVING AN ADDITIONAL CLEAN TITLE. 
This is my last attempt to have this matter resolved. This matter is costing me money, time off my work, stress to unimaginable levels because now the matter is with the IRS and I am not willing to pay taxes in an amount that is not correct just due to many clerical errors done by the XXXX XXXX XXXX. When it was on collection I tried to have the amount corrected to be able to make the payments and they couldnt have it fixed either. 

Your cooperation in this matter is very much appreciated since time is of the essence because my time it is limited to have this matter resolved with the IRS and again I refused to pay for errors made on your end. I am willing to do whatever it takes to have this issue resolved once and for all.
THIS IS ON MY EXPERIAN ACCOUNT ( 1 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 2 )  XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 3 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 4 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 5 ) XXXX XXXX # XXXX ... ... please help there are many many XXXX XXXX 's in the USA .... THANKS IN ADVANCE
In XXXX XXXX we were served with court documents indicating that Discover Bank and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed Discover Bank. 

On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to XXXX, XXXX and XXXX on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. 

On XXXX XXXX, XXXX, XXXX and XXXX, counsel for Discover Bank erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for Discover Bank provided Discover Bank Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. 

On XXXX XXXX, XXXX XXXX Judge sent a letter to XXXX, XXXX and XXXX, counsel for Discover Bank, making counsel aware of the error XXXX, XXXX and XXXX made and their privacy breach. 
Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to XXXX, XXXX and XXXX ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing Discover Statements ( validation ) for XXXX individuals that are not related to the case filed against us by Discover Bank. 

Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. XXXX, XXXX and XXXX represents Discover in this case as well as many others, giving them access to Discover 's Consumer information. XXXX Judge does not represent Discover Bank in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.
I contacted navient to to inquire about being able to lower my payment since I also have several'other student loans in repayment. They refuse to help me and say there is nothing they can do. Even after I tell them how much student loan debt I have they still state they can not help me in any way.
Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed iloan of our finicial hardship. We ask iloan to work with us and informed iloan of our goal to avoid XXXX XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need iloan to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. 


I also let XXXX  know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
iloan has also threatened to sue me and refused to work with me. 
I have not recieved a default letter by mail nor e-mail iloan refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 

iloan is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX XXXX by lowering my interestrate and montly payments. 
I feel taken advantage of by iloan I feel iloan took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. 

I will add I was never sent a default letter my email nor by mail, iloan is forcing me into XXXX XXXX bankruptcy by refusing work out a repayment plan.
Hello CFPB employee, On XXXX XXXX, 2015 I sent a request for validation to Pinnacle Credit Services LLC regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to Pinnacle Credit Services LLC. 
XXXX XXXX, 2015 I sent a XXXX request for validation and again time went on and still nothing received to me from Pinnacle Credit Service. Pinnacle Credit Service has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for Pinnacle Credit Service to follow the laws they 're governed by. I 'm requesting that Pinnacle remove the collection debt ( Pinnacle Credit Service, Account # XXXX ) Balance {$570.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with Pinnacle has been made. 


Thank you CFPB In advance XXXX
XXXX charged me after I cancelled renters policy due to them not handling my policy billing delivery correctly and for difficulty in obtaining assistance. I received a notice stating 3rd request when I had never received any. I paid the {$26.00} regardless and now have received a collections notice. I tried to speak to both collection agency and XXXX and although XXXX admits to payment in full, as it is recorded, they will not remove from collections and collection company will not either.
I should have done this sooner. I assumed Direct Express was safe.    Direct Express/Comercia Bank  have cut me off from looking at my own account online! For months now.   I had to call them the get   XX/XX/XXXX  and  XX/XX/XXXX  sta tements.   Accordingly the {$950.00} someone hacked my account for has not been replaced. Now I guess I will  need  XX/XX/XXXX  and  XXX  2017 stat ements.   They tak e 7 t o 10 days ...   They told me they replaced {$850.00} but that is not on either of these statements.   They replaced {$100.00} for me to live on for an entire month!   They charged me {$1.00} transfer fees and {$4.00} for a new card. Why? I did n't have anything to do with hacking my account.   This is the second time my account has been hacked.
Credence Resource Managment keeps sending me letters that I owe XXXX XXXX bill but i do not!
In XX/XX/XXXX my husband was out of work and we fell behind on our mortgage. After a lot of work and time we were able to prevent our house from going into forclosure by getting a loan remodification with XXXX XXXX XXXX. This helped for a while but we were still not able to keep up so in XX/XX/XXXX we filed Chapter XXXX bankruptcy to basically keep our house. The Bankruptcy was basically only filed for the amount that we were behind, which was {$17000.00} and of course legal fees. So shortly after we filed, XXXX XXXX XXXX  sold our mortgage to Carrington Mortgage, and did not send us any statements for months and still, they do not send us any statements. The whole thing is a mess and we are told we can not get statements because we are in bankruptcy. Then 3 years later we get a letter from XXXX XXXX XXXX 's lawyers, which not even sure why they are bothering us when they don't hold the mortgage, but now they want to sell our house because we missed 6 payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$6600.00}. Except I have proof that all of those payments have been made. They are also claiming that XXXX XXXX XXXX  who at the time was Co- Debtor should be responsible for the {$17000.00}, except for he is deceased and has been since XX/XX/XXXX and was removed from the home and the loan back in XX/XX/XXXX, way before we filed bankruptcy So here is my concern, what gives them the right to do this to us. Cause this grief to people, cause me to spend money that I don't have because I have to get my lawyer involved!!!
I received a call from Dynamic Recovery Solutions ( XXXX, SC ). I was informed that I owe a debt that dates from 1989. I informed them that I did not recall said debt. In addition, I informed them of NYS law regarding statue of limitations ( 6 years ). I received mail attempting to collect debt.
XXXX previous CFPB complaints for the same issue still unresolved. 

Company is unable or unwilling to send my National Consumer Telecom & Utilities Exchange report I asked for via postal mail. 

CFPB complaint # XXXX - No report was ever received. Company claimed to have mailed it out. 

CFPB complaint # XXXX - Company mailed me an XXXX report I did n't ask for.
I have a mortgage loan with Guild Mortgage and they have XXXX up my mortgage and I now have a sale date scheduled for XX/XX/2018. My loan is a VA loan, but Guild Mortgage literally haw never provided me one opportunity to get assistance. I suffered a severe health issue last year and fell behind on two of my mortgage payments, but got caught up after I came off doctor ordered bed rest and paid them the {$3000.00} I owed them. When I tried to make the next months payment, Guild Mortgage refused my money and said they could not take my payment. I believe they thought I was in foreclosure and did not properly account for the payments I already made. I was arguing with them for awhile, but gave up. 
Then a couple of months later I contacted them and they said I owed them {$3000.00} again, but they would not take my payment. When I asked for help their representatives ignored me and told me I had to contact HUD for help. This isnt true and they should have helped me through some type of assistance program. I contacted a law firm to help me, but they were a scam and stole thousands of dollars from me. Now Guild Mortgage has taken me down the path to losing my home through foreclosure. I have significant equity in my home and I believe that they just want to cash in on my home. I have plenty of income to afford a reasonable mortgage payment, but have not been given the opportunity to get back on track. Guild Mortgage must be the worst mortgage company in the world and I need help getting through to them. I am hoping that you could contact them and see if they followed government guidelines regarding assistance programs for VA loans.
I CONTACTED XXXX AND ONE MAIN FINANCIAL ALREADY REGARDING THIS ISSUE I HAVE HAD A FRAUD ALERT POSTED TO MY ACCOUNT AND HAVE MY CREDIT FILE LOCKED.. I AM DISPUTING ( 2 ) CREDIT INQUIRIES MADE BY ONE MAIN FINANCIAL THAT I DID NOT AUTHORIZE WHEN I GOT MY ANNUAL CREDIT REPORT I NOTICED THESE INQUIRIES.. I FAXED A LETTER TO ONE MAIN FINANCIAL ON XX/XX/XXXX REQUESTING VALIDATION THAT I AUTHORIZED THIS. I GOT NO RESPONSE WITHIN THE ALLOWABLE TIME FRAME.. SO I FAXED A REMINDER LETTER ON XX/XX/XXXX AGAIN REQUESTING VALIDATION ... TOWARDS THE END OF XXXX I RECEIVED A LETTER FROM THEM STATING IT WAS FROM SPRINGLEAF FINANCIAL ( WHOM I NEVER HEARD OF ) BUT YET STILL NO VALIDATION SUCH AS COPIES OF THE APPLICATIONS SHOWING I APPLIED FOR THIS LOAN.. NOW THEY ARE OUT OF TIME.. I WANT THESE BOGUS INQUIRIES REMOVED.. 
THE DATE OF THE INQUIRIES ARE : XX/XX/XXXX AND XX/XX/XXXX ... AGAIN NEITHER ONE OF THESE DONE BY ME .... 

I DEMAND THESE BE REMOVED AT ONCE .... I ALSO CONTACTED XXXX   TO REVIEW THIS INFORMATION IN DISPUTE ....
Due to an error in paperwork with my city of residence, Bank of America was served a legal notice to have nearly {$120.00} dollars debited from my account, which it followed through on. Bank of America then charged an additional {$120.00} non-refundable fee. Even though this transaction was the result of an error, it is not the city 's responsibility to refund the {$120.00} fee that Bank of America received -- an exorbitant amount that the city will not agree to, as it is more than the amount they originally sought. Bank of America representatives reminded me that the {$120.00} is non-refundable because of the amount of work it takes to process anything legal, but the fee is excessively high and I am left paying for the city 's error and Bank of America 's avariciousness.
To Whom It May Concern : This is a request for deletion of disputed items. I have attempted to have these inaccurate and incomplete reportings verified by the furnisher of information to no avail. I'm not even aware of how these got into my credit. I don't know if it was because of Equifax last data breach. I am respectfully requesting that these companies, do what is legally mandated by the FCRA and delete the account listing from my consumer file. 


1-XXXX XXXX  OPENED ON XX/XX/XXXX 2-XXXX XXXX XXXX XX/XX/XXXX 3- XXXX XXXX    XX/XX/XXXX 4-XXXX XX/XX/XXXX 5-XXXX XXXX XXXX XXXX XX/XX/XXXX 6-XXXX XXXX XXXX XX/XX/XXXX 7-XXXX XXXX XXXX XX/XX/XXXX 8- XXXX XXXX XX/XX/XXXX 9-XXXX XXXX   XX/XX/XXXX 10- XXXX XXXX XX/XX/XXXX 11- XXXX XXXX XXXX XX/XX/XXXX 12- XXXX XXXX XX/XX/XXXX 13-XXXX XXXX XXXX XX/XX/XXXX 14- XXXX XXXX XXXX , XXXX XX/XX/XXXX 15- ANY INQUIRIES FROM THESE COMPANIES ARE CONSIDERED FRAUDULOUS AND COMPLETELY ILLEGAL Each of these accounts received a notice of dispute from me resulting in them advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnishers of information, as the FCRA provides. After disputing with the furnishers, they have failed to provide any proof or respond in any way. 

I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced accounts, with both Original Creditor and furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 

Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agencies nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Sincerely,
When you apply for a new loan or line of credit, a hard inquiry may appear on your TransUion credit report. Hard inquires are made by lenders and may negatively impact your score. XXXX makes a soft inquiry, meant for consumer education. Soft inquiries may appear on your report, but they do NOT impact your score. Below are all of your inquiries. 
Creditor Name Inquiry Date Type XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Department & Variety Stores XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXXXXXX XXXX  XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XXXX  XX/XX/XXXX Automotive XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX Finance
I disputed an account and requested verification of the following account that Transunion has re-listed on my credit file : US Bankruptcy Court XXXX GA # XXXX ;. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification. 

On my dispute submitted XX/XX/XXXX, and XX/XX/XXXX, Transunion has yet to verify this account. However, interesting enough, they have stated they verified the account. 
Since Transunion states they use XXXX XXXX as the source they obtained the information, I called XXXX and the agent I spoke with advised me that my security freeze was confirmed and set into place. She also told me that there is NO inquiry from Transuion or mode of verification from XXXX XXXX to Transunion showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported. 

I demand that this public record US Bankruptcy Court XXXX GA # XXXX is removed due to lack of verification and inaccurate reporting of verification! XXXX XXXX agents assured me that Transunion 's so-called " verification '' WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT. 

I demand that this unverified account : US Bankruptcy Court XXXX GA # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I would like to note that XXXX has deleted this unverified account from my report because they stated they falsely verified this account. Although these are XXXX companies are different I suspect the same results when a creditor has reported false information
Have been an victim of identity theft. I have located that there is a XXXX XXXX account in my name going to a previous address.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XX/XX/XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX 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, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
XXXX XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have had two conversations with representatives of this law office regarding a possible settlement of this debt over the past year or so. Neither went far at the time because we lacked the means to make payments. 

This law office had someone who identified themselves as a process server deliver 5 documents that appear to be legal summonses related to some old student loans my wife took out going to school. I was left with the distinct impression that the company was taking legal action against us. However, when I contacted superior court in my county, I found that no suit had been filed and no paperwork submitted. Upon examination, the summonses all lacked specific court case numbers, but otherwise appear to be legal documents. They just say " pending '' where the normal court assigned numbers would be.