WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a car from a car lot using a loan from XXXX XXXX in XX/XX/XXXX. About a week later, I paid off the loan with a Chase loan in XX/XX/XXXX. I received confirmation from XXXX in the form of a letter stating that my loan had been paid off and that they would release the lien. I do not have a copy of the letter and as of XX/XX/XXXX, XXXX refuses to send me a copy of the letter, proof that my loan was paid off, or that they released the lien. 

On XX/XX/XXXX, I tried to sell my truck to a car dealership. They agreed to payoff my loan with Chase, but discovered that Chase is not the lien holder and that the previous owners are still the owners of the car. Me and my mother ( the supposed owners of the car ) are not on the title. I called Chase, and they told me that they would obtain XXXX 's lien release, transfer the title from the previous owners to the current owners, and record the Chase lien by XX/XX/XXXX. They never did. They kept asking for more time, extensions, and Chase keeps blaming XXXX for not sending the lien release to them. However, XXXX already confirmed that they sent the first lien release and title to Chase 's XXXX XXXX  in XXXX XXXX, Texas in XX/XX/XXXX. And XXXX confirmed that they resent the lien release in XX/XX/XXXX. 

Chase keeps saying that XXXX has not responded to their request for the lien release, and XXXX says that they have already sent it twice. 

Meanwhile, Chase keeps withdrawing the monthly payments from my checking account despite the fact that they do not have the title, or a lien recorded on my truck. 

Also, I can not renew the license plate 's registration on my truck, which expired in XX/XX/XXXX, because the license plates that are on my vehicle belong to the previous owners since Chase never transferred the title to the current owners ( me and my mother ). 

As of XX/XX/XXXX, the truck is still under the previous owner 's name with XXXX as a lien holder, according to the Texas DMV.
When I received my credit report. I was blown away when I say late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me.
My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX  XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.
I had a Home Equity about to go into repayment, I stopped at a branch to ask as question about if the loan would remain a fixed rate. The sales pitch began and I agreed to a loan for a larger dollar, filled out the app and supplied ALL info asked for. I received a call saying I was approved. A few days later I decided that this new loan would not be in my best interest. I called the branch and left a message for lender that I was no longer interested and I 'll just let the account go into repay. I received messages following up and I 'm sure a likely attempt to change my mind.TODAY I received a denial letter saying they regretted that after carefully considering my application they are unable to approve for these reasons ... credit application incomplete and failure to supply requested additional information. XXXX untrue, I denied them! My complaint is the impact and concern that this denial may impact my credit report and if so that needs to be corrected. I would call the Bank but want to make sure no other customers receive a denial letter when they were n't denied nor have their credit report impacted.
XXXX XXXX, and XXXX XXXX, homeowners, with assistance of the XXXX XXXX XXXX XXXX 's XXXX XXXX, is herein filing complaint against PHH Mortgage Services, our first ( Loan # XXXX ), and second ( Loan # XXXX ) home mortgages lender/representative ( s ). Since XXXX 2014 PHH, its employees, agents, representatives, and/or consigns, on its behalf, is negligent in its conduct and is engaged in a practice of serial omissions and repeated failures, to subvert fair and equitable services rendered in response to a hardship affidavit, submitted for relief through the HAMP, Forbearance or HELOC Refinance Programs. We, along with XXXX XXXX, are complaining PHH is engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and PHH is also in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by engaging in deliberate acts of harassment, causing undue emotional distress. 

We claim PHH engaged in unfair practices by failing to appreciate or attempting to foresee injurious or harmful events, when informed by us through repeated formal application ( s ) declaring our financial condition, and took no action to mitigate or prevent injury by their refusal and/or negligence in employment of relief available through HAMP or HELOC Refinance Program ( s ) available. Furthermore, we assert PHH omitted application of an accurate Debt Ratio assessment to derive a realistic Modification Trial Plan to mitigate potential loss, against more equitable modifications available, is a denial of due process. PHH 's actions in production of XXXX separate modification offerings are inconsistent with the express federal guideline principles and practices, to facilitate equitable outcomes, and thereby represent a violation. 

We claim PHH is negligent in their assessment of our ability to comply with the terms of progressively unfavorable Modification Trial Plans offered, on XXXX ( XXXX ) separate occasions, along with intent to engender disparagement and emotional distress by consistently employing despicable tactics of delay and harassment : repeatedly phoning our personal contact numbers, remaining silent and unresponsive despite repeated requests for response, then terminating call ( s ) without answer ; and PHH endlessly requests submission of the same documentation we repeatedly send, claim they were not received, or they do not possess them. Then, upon acknowledging receipt of documentation requested, they ignore the content in creating modification trial plans providing no realistic possibility of relief from inevitable foreclosure by the offers.
I noticed a fraudulent collection account on my credit report in  XXXX . So I contacted the credit bureaus and they said they would take it off.      XXXX   XXXX , I check my credit, due to all the hacking reports on the TV news, I see this fraudulent account is still showing on my credit reports.      Medical Data Systems Inc.  Account Number  XXXX . For {$13000.00}.  Original Creditor   XXXX   XXXX  Hospital. This hospital is located in  XXXX  SC where I was born and raised. I moved from  XXXX  SC in  XXXX  and have not returned, which is 14 years ago. So how does  Medical Data   Systems Inc.  have a collection account on my credit reports from  XXXX ? I have n't been in  XXXX  SC since  XXXX , which is 14 years.     So how ca n Medical Data Systems Inc, p ut a {$13000.00} collection account on my credit report from  XXXX , if I have not been in that city and state in 14 years? I moved from  XXXX  SC in  XXXX  and have not returned.     I am very upset about this ! Medical Data Systems h as tarnished my name and violated my rights, by putting a fraudulent medical collection account on my credit reports.     Again, I moved from  XXXX  SC in  XXXX  and have n't returned or visited.     I wan t Medical Data Systems Inc t o remove this fraudulent collection account from my credit file. I want  Medical Data Systems Inc t o be fined and reprimanded for putting fraudulent information on my credit report.     I just do n't understand why they would do this. It makes no sense.
The loan balance never goes down. Whenever I phone them to talk about the balance they cant even provide me information on how the interest is calculated. 

When you log in to the account online there is no information on current balance, or interest applied to the current balance. My loan is 5200 $ ( aprox ) and when I calculate 6.8 % that is 350 $ roughly annually, this would be okay but I always pay more than 350 $ /12 - I think that the way they calculate their interest is slimy and not honest.
I have a student loan owned by Citizens One and due to my worsening XXXX XXXX I have been unable to work for some time, I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked Citizens for a compassionate review of my private loan ( about {$43000.00} ) 2 months ago and they have n't responded.
Citizens One XXXX CO XXXX, a subsidiary of Citizens Bank, has been my mortgage holder for 17 years. Suddenly they are imposing an escrow account based on " shortages '' related to either property tax payments or insurance which are not substantiated by them. When I tried to correct, as these were current, CO dismissed it in a form letter and without any consent or approval, or proof of these " shortages, '' CO brazenly imposed a monthly payment that is 60 % greater. It seems to be a pure money grab. 

Please see attached photos of the latest letter about the plan from CO.
I took advantage of a one-time online offer of {$1.00} ( plus tax ) to get my XXXX score from XXXX I thought I was being charged {$1.00} for this one-time score. However, XXXX signed me up for a monthly membership and charged me {$23.00}. I read through their online page and I never saw anything that said I was signing up for a membership. They did not e-mail me a receipt so I do n't have proof about this. After the charge appeared on my credit card, I telephoned them but they said that they would cancel my membership but not reimburse me for the difference. Apparently, many other people have had the same complaint about them XXXX. 

Their advertising of the {$1.00} fee is deceptive with the fine print being placed in a small font at the bottom of the page ( I have been told ; I did not see it ). Their offer should say clearly ( not in fine print ) that this is a trial, that the person agreeing to it will be signed up for a monthly membership fee if they do n't cancel within 7 days, and that they should send a receipt for the agreement which lists the conditions. None of these conditions were true with XXXX. For a credit agency that supposedly investigates bad financial behavior and fraud, their behavior is anything but proper and open.
When I was deemed a XXXX XXXX XXXX and unemployable Veteran, I put in for a hardship under the Obama Mortgage relief to reduce my payments from almost {$800.00} a month to a lesser a month payment. They reduced my payment to {$240.00} a month and extended my payments to 480 months. I had never heard of a 40 year mortgage, also even though I had gotten my remaining balance down to {$18000.00} now my remaining balance is over {$23000.00}. It was never explained that out of the {$240.00} I pay each verbally or in writing that only {$17.00} goes to the principal. That explains why my payoff has went from {$18000.00} to {$23000.00}. On top of all of that I am forced to have an escrow even though I am tax exempt due to being aXXXX XXXX XXXX Vet, also I pay my own home owners insurance via bank draft. As of XX/XX/XXXX there was a {$1200.00} in escrow. Last year the escrow had gotten almost to {$2000.00} and then XXXX out. It is something wrong because I haven't missed nothing but 1 payment in the pass two years, but on my credit report it shows 2 or more missed payments.
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus. act # XXXX
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX Dear XXXX, XXXX, Equifax RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX  8. XXXX  9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
XXXX XXXXXXXX XXXX XXXX continued to call me and eventually caused me to loose two days work. I told them my debt with XXXX XXXX was paid. They continued to XXXX my phone. Many times multiple calls in one day.
I have had several calls to my work number after I have asked them XXXX to stop calling my work as I am not allowed to have private calls on the company phone. I have also told them XXXX times to quit calling my cell phone and have blocked XXXX numbers they call from, and they still keep calling.
CFPB, My girlfriend and I had purchased a home back in XXXX XXXX from XXXX XXXX XXXX. We had selected to finance with XXXX XXXX XXXX XXXX and go with the escrow account option. Both of us are co-owners of the home and our names were both added to the loan account. For XXXX, our taxes were properly taken care of by XXXX XXXX XXXX XXXX without any outstanding or delinquent tax balances. Around XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX had sold our loan to Flagstar Bank. Throughout XXXX we continued to pay our monthly mortgage ( principal + interest + escrow ) in a timely manner, without missing a single payment. Flagstar Bank paid the taxes for both the XXXX XXXX XXXX XXXX {$1500.00} on XXXX/XXXX/XXXX ) and XXXX ( {$820.00} on XXXX ) taxes at the end of the year. There was a tax surplus in the escrow account and I was cut a check for {$3500.00} on XXXX. Starting around XXXX XXXX, my girlfriend started receiving letters from both the XXXX XXXX County tax collector and attorneys harassing her to pay delinquent taxes from XXXX. Concerned, I gave the FlagstaXXXX Bank tax department a call to confirm that all XXXX taxes were paid for. They re-assured me that all taxes were taken care of for both my girlfriend and me. With that said, we rest assured thinking that everything was okay. However, we continued to receive letters each month, reminding us that my girlfriend still owes a total of {$2200.00} XXXX {$630.00} + {$1600.00} ), XXXX and XXXX XXXX taxes respectively. Today ( XXXX ), I called Flagstar Bank again and they re-assured me that all taxes for XXXX were paid for. Immediately after the call, I started reviewing the letters thoroughly again. I jumped back in forth from the XXXX XXXX County tax website to my Flagstar Bank online loan account. I noticed that both my girlfriend and I have TWO separate tax accounts for XXXX XXXX County. I checked my online mortgage account on the Flagstar Bank website and I found that only my tax account number was present but not my girlfriends yet both our names are under the same mortgage loan. I am not sure what exactly happened but it would appeared that Flagstar Bank did n't include my girlfriend 's tax account on the same mortgage loan account, resulting in only the tax amount of {$2400.00} paid for XXXX and the {$2200.00} amount still unpaid under her tax account. Please help us resolve this issue, as we did our part in paying the monthly mortgage every month on time. The responsibility was in Flagstar Bank 's court to correctly disburse tax payments to cover both my girlfriend and me. Now we are suffering the repercussions of her taxes being delinquent because our mortgage account was n't correctly configured to include both our tax accounts. Thank you.
I do not have any credit cards with this company, they are calling 4-6 times a day from numerous phone numbers in XXXX, KY ( XXXX is one of the numbers. I have told them several times to remove the phone number from whoever 's account it is but they continue to call, they tell me they have removed it and the start calling back the following week. This number needs to be removed FOR GOOD and no further calls should be coming to this number XXXX.
Over three years ago my neighbor walked away from her house. The house has been empty and the utilities have been shut off for this whole time. The home is deteriorating and in need of repair. The lawn maintenance has not been completed regularly and our city left a notice on the front door regarding the un-mowed lawn. I tried to contact the mortgage company and have been unsuccessful. I 've contacted the companies that have been managing the property and they do not respond to my complaints. We live in an HOA managed subdivision and we are required to maintain our homes to a high standard.
Regions Bank is erroneously reporting a negative bank account in my name to XXXX and possibly XXXX, although they have been notified numerous times of the ongoing identity theft I 've been fighting for over 8 years, and despite the fact that they are fully aware of my fraud and security alerts and recent bankruptcy filing. I 've made several attempts to resolve this issue and am beyond tired of this thing coming up to bite me when I want to open a new financial account. It 's embarrassing and frustrating. This bank has horrible customer service, is not responsive to consumer inquiries/complaints and does nothing to resolve major issues like this. I want this item removed from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, as well as any other agency that compiles personal consumer information, without that consumer 's knowledge, without any verification of validity and that which significantly and negatively impacts consumers ' day to day financial life. Banks, credit reporting bureaus and financial account recording agencies are predators in the financial services industry and I want them held accountable for their unethical and illegal business activities. At the very least, I want any association of my name, social security number, financial account information, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying information to be immediately removed, permanently, from the records, files, databases and archives of these sharks. They ruin lives.
The problem is with Forced Place Insurance by my the mortgage servicer. 
Chronology of events : XXXX XXXX, XXXX - " Notification of Expired Coverage '' sent by sevicer. Not true. Thesame policy has been effect since XXXX. 
XXXX XXXX, XXXX - Faxed policy information. Next XXXX statement still showing a {$53.00} escrow assessment for Forced Place Insurance. 
XXXX XXXX, XXXX - Called servicer. They said they only had expired info on file and had not received the fax, that their system was about 2 weeks backlogged due to the XXXX holiday. I suggested soft copy e-mail upload and they agreed and had me upload to XXXXXXXXXXXX. This seemed odd since the domain does not match their company name. Another {$53.00} escrow assessment on the XXXX statement. 
XXXX XXXX, XXXX - Caller servicer and they said that they had received the Proof Of Insurance but they need the " Declarations '' page. Had Insurance agency fax the " Declarations page Another {$53.00} escrow assessment on the XXXX statement. 
XXXX XXXX, XXXX - Called the mortgage serviver and they said that they still had not received any current information and only had expired information on file. This agent said that the " POI '' and the " Declarations '' pages are the same thing. Advised me that they have a NEW fax number. Faxed information again. 
XXXX XXXX, XXXX - Received a notification from the servicer that the " mortgagee '' information was incorrect. Contected my insurance agent and they confirmed that the mortgagee information is correct, exactly as requested. POI sent again by my insurance agent to the NEW fax number. More re-occurring monthly charges for Forced Place Insurance. 

Essentially gave up - This is obviously a revenue enhancing ploy. Blog postings indicate that this particular mprtgage servicer could make life much worse for me, e.g. reporting incorrect information to credit bureaus, unexplained additional fees, incorrect balance calculations, etc. 

XXXX XXXX, XXXX - I have a second property with the same loan servicer. Now they are doing the same thing with the XXXX mortgage. The recent " Expired Insurance '' notification gives directions for web upload option option. Uploaded insurance information for XXXX mortgages. 
XXXX XXXX, XXXX - Filed complaint with CA XXXX oversight. Complaint # XXXX, the licencing ageny for this mortgage provider.