WillisBack/dataset-financial-user-claim huggingface dataset:
I was informed today by my homeowner 's insurance company that my mortgage company did not make the required and properly impounded payment. When I contacted my mortgage company regarding their error I was told they had changed vendors, however they informed me this change had occurred AFTER my payment was due. They were unable to correct the issue and told me my only avenue was to have the insurance company contact THEM.
XXXX XXXX XXXX continue collecting on discover account that I do not owe them because changed to cooling and winter never given proper amount owe wonder if still can collect on discover accounts since law firm XXXX XXXX is out and wonder if cooling and winter will have to go back to court for XXXX discover accounts that never that they owned and proved properly that I owed this amount they seem to have over charged me
Ad Astra Recovery repeatedly harasses me for a collection on behalf of XXXX XXXX. They call constantly even after I requested they stop. I have disputed this on my credit reports numerous times with no results. In researching this company they do not have an office in Texas the state where I reside and  are not a registered agent as required by TX Secretary of State and should be removed from all credit reporting agencies immediately.
Experian has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA DBA XXXX XXXX XXXX {$1100.00} {$1400.00}
My complaint is about my HOME depot credit card. 
I paid my balance off of {$78.00}, in XXXX XXXX this left me with a XXXX balance. 

I relocated to an other state on XX/XX/XXXX, I went to local Home depot and bought some supplies and also ordered some on line. 
On XX/XX/XXXX I receive a statement from Home depot, stating I am past due! 
According to home depot, their billing cycle ended on XX/XX/XXXX, and they sent a statement out that was due XX/XX/XXXX. I never received that statement, BUT I did receive one on XX/XX/XXXX. 
Home depot 's states it's not their fault if USPS did not deliver my statement. 
After reviewing my statement first charge posted is XXXX XXXX and a second on XX/XX/XXXX. So how could they even have been on a STATEMENT CLOSING XXXX XXXX? 
Then I was told I had a cease and desist on my account, and they were not allowed to call me, First I have never in my XXXX years ever heard of such a thing on a credit account, I asked when it was put on and by who? 
I was told it may have been put on it XXXX they were not sure and did not know who had put it on. 
I called back and asked for a supervisor, and was told it was put on, XX/XX/XXXX my the prior agent I talked to. DA! 
Then I WAS TOLD purchases were made on XX/XX/XXXX, but my statement has first one posting on XX/XX/XXXX. 

WHY SO MUCH MISINFORMATION? 
WHY SO MUCH OF TELLING LESS THAN THE FACTS? 

FACT ONE I did not receive a statement until XX/XX/XXXX their fault my fault USPS fault it doesn't matter. 

FACT TWO I have no idea what a cease and desist on a credit account is, and I never had one put on so WHO DID AND WHY.
Capital One provides virtual credit card numbers so that the customer doesn't need to use their actual credit card account number when making online purchases. This enhances security and the service is called eno. 

On XX/XX/2018 I attempted to make two online purchases using eno numbers and they were declined on the merchant websites. I was able to make those purchases immediately afterwards using my actual credit card account number. This negates the benefit of eno and exposes me to an increased risk of fraud and is reckless behavior on the part of Capital One. 

I spent over an hour on multiple phone calls with Capital One, yet their representatives were unable to tell me why those two specific transactions were declined. I requested a call back from a manager but never received one. 

Obviously Capital One is recklessly disregarding customer concerns and should be penalized in some way.
I am filing this complaint because Experian has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark 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. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.
i took this loan out in 2009 for {$9000.00} it has been transferred to three different lenders since then.The interest rates are so high.even when it its deferment or forbearance. teh monthly payments are not affordable.my loan is now at a little under {$15000.00}
They use a horrible robot-caller that is barely understandable. The robo-caller does n't connect you to a real person, but instead forces the contact to call back at a different number.
On XX/XX/2017, Afni sent me a dunning ( collection ) letter stating that they were trying to attempt to collect a debt for XXXX. I received a call from a representative named XXXX, ID number XXXX, who advised me that they were attempting to collect a debt for XXXX, I advised XXXX over the phone that I did n't have a debt with XXXX, and if he could send me validation of the debt. XXXX was very rude, got loud with me, and advised me that he was going to put this debt on my account in 3 days. I also notified AFNI in writing that this debt was not mine and to provide me proof. I also advised them that it was unlawful to report unvalidated debt on my credit report. Afni still reported this debt on my credit report, although they did n't provide proof. Afni responded to my debt validation letter with the EXACT same dunning letter they sent to me initially, but this time they manipulated the information on the dunning letter to make it look like a " STATEMENT OF ACCOUNT '' They are intentionally trying to destroy my credit, and using intimidation tactics to get me to pay for a debt that is not mine by placing false information on my credit report. On the dunning letter that was sent to me, they advised me that if I notify them within 30 days of receiving their collection letter, they will obtain proof of the debt, which they did not. I did n't receive a signed contract bearing my signature, I did n't receive a billing statement showing the breakdown of any fees on XXXX XXXX letterhead, nor did I received an assignment of the debt to AFNI, proving that they have the rights to collect a debt on behalf of XXXX. I have never heard of Afni nor have I did any business with them. I have attached my dispute letter to Afni, my overnight delivery receipt w/signature showing delivery of the letter, the initial dunning letter that AFNI sent to me, the dunning letter that AFNI sent to me in response to my debt validation dispute letter, and my current credit report showing where they inserted this false information on my credit report. 

I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Afni, will be required to appear in a court venue local to me, in order to formally defend themselves.
The debt owed is {$600.00}. I made a payment of {$50.00} two weeks ago and they keep calling my husband 2-3 times a day stating they are going to take legal action. I called today to try to make a payment arrangement for the renaming {$550.00} balance. I wanted to pay {$100.00} a month for the next 6 months to pay off the balance. They informed me I could only do 3 payments and state so I could only do {$100.00} due to our current financial situation. The company representative was very rude and stated fine call back when you want to pay the amount in full. I then asked to speak to her supervisor. The supervisor informed me they do not do payment arrangements and stated I had to pay the full amount. I said I could not afford their payment and she said well you should of figured that out with the XXXX center. I ended the call there.
During an application for a car loan, I discovered that there were many errors in my Credit Reports with all XXXX credit bureaus ( XXXX ; Experian ; and XXXX ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all XXXX credit bureaus ( XXXX ; Experian ; and XXXX ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( XXXX ; Experian ; and XXXX ) ; and before I do that I report it to XXXX.
On XX/XX/2018 I traveled to Procollect, Inc. at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX and attempted to pay a {$99.00} debt to ProCollect , Inc that was acquired from a overdue balance left with XXXX 's XXXX XXXX. ProCollect , Inc refused to accept my payment unless I also paid another outstanding account that they purchased that is over 10 years old. While there at ProCollect , Inc I spoke with 3 employees including 2 managers and they still would NOT take my {$99.00} payment for the XXXX 's XXXX XXXX account. Since I could NOT get any cooperation from ProCollect , Inc, I decided to go and visit the original debtor which is XXXX 's XXXX XXXX in which the management took my payment and gave me a receipt that I promptly tried to return to ProCollect, Inc. ProCollect , Inc would NOT take the receipt from XXXX XXXX XXXX XXXX ProCollect , Inc said that I would either have to mail it in or fax it to them. I did both, and after a couple of weeks I realized that the debt was still listed on 1 of the 3 bureaus. Coincidentally ProCollect , Inc called me this same day. ProCollect , Inc informed me that they would NOT remove the {$99.00} debt from credit file with XXXX   until I paid the other 10 year old debt that they had on their books. After threatening to contact your office I was very harshly informed of their lack of concern about me contacting your office. Furthermore, I also mailed and faxed a copy of the XXXX 's XXXX XXXX receipt to XXXX XXXX dispute department. XXXX   informed me that the debt could NOT be removed even though I sent them a receipt of payment, unless ProCollect , Inc says that it is ok to remove it. Your help in this matter is greatly appreciated. Thank You & God Bless
We were ignorant enough in 2007 to take a XXXX mortgage with HFC bank. We had had some medical and other financial issues, and they sold us on refinancing through them. In retrospect, it was a very bad move. They came in and appraised our house at XXXX. We signed a mortgage at 10.5 %, as they told us our house would increase in value and we could refinance at a lower rate. Well, the bottom dropped out of the market, and we are still stuck with an underwater mortgage at this usurious rate. We can not refinance because the market has not come back. We owe {$250000.00}, but that is more than our house is worth. HFC will not allow us to refinance at a lower rate, even though the prime rate has been very, very low. I am wondering if there is a way to refinance this loan at a lower interest rate.
Stearns is claiming that my loan is past due by over 90 days. I have been paying it every single month. Even their own website shows that. 

They will not return emails, or phone calls, or any kind of contact. They now want me to make two payments this month, but I do not have the money for that. Nor should I. I have a payment due tomorrow, and I can pay it, but I ca n't pay twice, and they are going to say my loan is still 90 days past due when its not. Just like they have for the past several months. And they charge me XXXX dollars every time, which I will not pay, because my payment is " late, '' even though I pay it on the due date every single month. 

They are now saying my loan is in default. Even though I have paid it every single month and I 've sent them screenshots, bank statements, and everything proving it. They refuse to respond.
Total frustration! Apparently, annualcreditreport.com does not request enough information from users for the credit reporting agencies to process the requests. XXXX was the only agency that would furnish an online report.
I got a call from this company on XX/XX/2018 and a text message on the same date and this company has told me that I will be served with papers and I have tried to tell them that I never received any paperwork in regards to the loan and that I have no phone # to get in touch with them unless they call me. I have received no emails in regards to getting any paperwork from them. They are making threats to garnish my wages and will not send me any paperwork. 
I also believe that this is the company that hacked into my bank account and stole money from both my savings and checking account.
On XX/XX/XXXX, I lost my wallet in XXXX XXXX. The person who found the wallet charged {$3300.00} on my Bank of America Debit Card. I realized it was in that wallet two weeks later and reported it to Bank of America. B of A sent me a form with all of the charges that occurred from XX/XX/XXXX XXXX the date that I reported it to them. They reviewed the case and on XX/XX/XXXX they sent a letter stating that my claim had been reviewed and they determined that no error had occurred in this instance and that they considered my claim to be resolved. 

There were many charges that made up the total amount. My contention is that the purchases we not my normal purchasing pattern and that their Debit CARD FRAUD UNIT SHOULD HAVE CAUGHT THIS PROBLEM. I never received any calls from them during this period. Conversely, my XXXX Debit Card was also lost at the same time and I did hear from them. 

I would like to be credited with the full amount of {$3300.00} that was wrongfully charged by the thief. The Bank of America Fraud Prevention Unit should have caught the charges before they ran up to this level.
I have requested a credit line extension with the GM card from Capital One. I requested an extension in XX/XX/XXXX and was told that credit line increases are not available at this time upon request for this type of account. I requested another extension on XX/XX/XXXX and received the same response. After calling customer service I was told that Capital One has automated their system for credit line increases, however the system does not interface with GM cards. The senior account representative was in no way helpful. I was told that there is no way to manually approve credit line increases, there is no projected date when the automated system will work, that I should keep applying in the future in case the system starts working, and that Capital One will not let its customers know when the system does start working. In short, their customers should keep applying for credit line increases in case the system starts working, but they do not tell their customers that it impossible to be approved. Nor do they have any plans notify their customers if/when the system does start working.
These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XX/XX/XXXX however the company did not post it CLOSED untilXX/XX/XXXX the Credit Companies are reporting an ok Rating from XX/XX/XXXXthru XX/XX/XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.
I am filing a complaint about Jefferson Capital System They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Jefferson Capital System is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Jefferson Capital Systems needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of  contract to include XXXX XXXX. I am aware Jefferson Capital Systems is a Third Party collections firm. I do not wish to do business with them at all.
I got a loan for {$900.00} 5 months ago. I have made 10 biweekly payments of {$230.00}. {$2300.00} in payments on a {$900.00} loan. Never late, never short. I called to see why the loan wasnt done being paid off yet and they said I owed almost {$600.00} to close the loan. THIS IS CRIMINAL taking advantage of people in dire need.
I had a 3 year lease with Honda Financial ; completed in XXXX XXXX. Every payment was paid in full on time ; never missed. 
Car was in accident the beginning of XXXX ; which turned into a " total loss '' Insurance Company sent Honda Financial insurance check beginning of XXXX. 
Honda assessed an {$1800.00} balance ; consisting of {$500.00} insurance deductible and " excess mileage '' In meantime, Honda Financial sent an " estimate '' - not a bill for breakdown of total. 
Honda began their calls with a demand of payment in full or my " they '' would report to credit bureau. I did not receive a bill yet, and when " Collector '' verified what the letter was to state ; was n't due yet. 
I have since sent {$500.00} for deductible and made arrangements to pay balance in XXXX installments ; ending XXXX XXXX. 
I continuously receive calls for payment 4 times a day, including today, Saturday. 
I have asked for " Caller '' to read the arrangement in the notes ; stop calling and asked for Supervisor. 
I am told not Supervisor is available, a request will be submitted on my behalf, I have been hung up on after repeating same request. 
In addition, each call begins with ... '' What is your DOB and address to verify we 're speaking with correct person '' - Meanwhile, this is an incoming call - who gives out information on incoming calls? 
I just want Honda Financial to stop calling multiple times a day. I did the right thing and made arrangements ( outside another issue that I do n't know why I am paying Honda for excess mileage on a totaled vehicle ).
Applied for the offer that stated earn XXXX XXXX  bonus miles when you complete $ XXXX in purchases and also receive a {$100.00} statement credit after making a purchase on XXXX within 30 days or so. I completed all the requirements back in XX/XX/XXXX right before the date to complete the requirements within, i have yet to receive my XXXX miles and my {$100.00} statement credit. I feel i have been a victim of credit fraud where amex simply just lured me to sign up and never delivered the promised. I have immediately stopped using this credit card and will not use it again ever, i have also spread the word among my family and friends to never sign up for XXXX, as they are in shady business.
I have a private student loan on my credit report under XXXX ( XXXX ) and XXXX XXXX ( XXXX ). This loan is from XXXX XXXX XXXX. I was unaware that the loan in question was in default as I was a cosigner on a student loan intended for another person. It was only until recently I 've looked up my credit and started repairing it. I was told by a mortgage agency that I would have to get this loan resolved. I have called multiple times and sent them an email ( XXXX ) over their website requesting contact in an attempt to reach a settlement and begin repayment. I have not been able to talk to anyone by phone and received no response to my email inquiry. The mortgage agency also attempted to call AES/XXXX on my behalf with no answer. There are no other numbers listed on either credit report. Under comments it simply states written off as bad credit/sent to collections. With no information on how to contact said collections agency.
XXXX  refuse u tell me why I still have a balance and the represanative hanged up the phone on me What ever purchase I did I returned and I still have balance????
Navient is the entity which holds some of my private and federal loans. I have made multiple attempts to explain that I am unable to make what they say is the minimum required payment. I have always indicated that I want to pay what I can, but they have not been willing to offer me a lower payment option. Because of this, I have not made any payments for some months now, leading to some of my debt defaulting, being transferred to debt collectors, and e-mails and written letters threatening impending legal action. This also affects my father, who co-signed on at least one of my loans. He has supplied his financial information numerous times, in an attempt to show that neither he nor I am able to pay what they are demanding.
I attempted to open a credit card with XXXX XXXX in XX/XX/XXXX. When I did not receive my credit card in XX/XX/XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XX/XX/XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XX/XX/XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.