WillisBack/dataset-financial-user-claim huggingface dataset:
I am reporting Capital Accounts Account No. XXXX for violations of the Fair Debt Collection Practices Act. I am enclosing the letter sent to me by Capital Accounts which shows a misleading collection amount and unfairly adding interest on a debt that the original debtor XXXX did not require. I have also received phone calls in which the representative verbally insulted and belittled me when I questioned the validity of this collection. I have blocked many of the phone numbers Capital Accounts uses to call due to the condescending attitude they have with me when I talk to them. I am enclosing a copy of the Fair Debt Collection Practices Act with highlighted sections which express my concerns with this company. 

Capital Accounts is misrepresenting the amount owed to XXXX by me from the year XX/XX/2012. XXXX did not charge interest fees on any services rendered to me. The paper work sent to me by Capital Accounts which shows the misrepresent the amount of {$670.00} I owed to XXXX. On page XXXX and XXXX it shows {$540.00} as the original amount owed to XXXX. XXXX did not charge an interest or late fee to the original debt as seen in this summary.
XXXX XXXX has called me several times and misrepresented themselves as an attorney or attorney 's office. They left misleading messages on my cell phone and called at inappropriate times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.
My mortgage was sold effective XX/XX/2016 to LoanCare, XXXX in XXXX, VA. Part of my monthly payment is Escrow for Property Taxes, when I purchased I signed a paper stating I wanted my Property Tax check sent to me in XX/XX/XXXX! It is XX/XX/XXXX and my taxes have not been paid! I have called the company 20 times in past three weeks and get hung up on or told the tax department has no phone and a request will be sent by email with no results! I have emailed & mailed a letter - no response! HELP!
I contacted Synchrony Bank and spoke with XXXX and asked for a credit limit increase for my furniture card. The representative never told me that he would be pulling my credit report ; and when I asked the representative if this would result in a hard pull and he informed that it would not ; yet, I received a credit inquiry on my XXXX account. I contacted the company and they informed that they do not have scripts that requires them to inform customers nor are they required to because it is in their terms and conditions. Had I received the correct information ; I would have NEVER had agreed to this. I have other synchrony accounts that they do not do hard pulls. So, when he confirmed that it would not ; I was okay with the result.
We are trying to refinance the mortgage due to income loss. We deliver all income statements and credit report and in XX/XX/2017 the bank denied the mortgage pushing us to foreclosure. We went to the court and the court decide to send us back to the bank for negotiations. As of XX/XX/2017 we did this process all over again and the bank keeps taking hard inquires and reporting late payments with no solution. We can not make payments because the bank doesnt permit until solve the case. We are affected without solution. Please help us.thank you.
After graduating college in 2002 I began to repay my student loans. I had approximately {$17000.00} in Federal subsidized loans. After struggling to repay them, XXXX XXXX reached out to me to consolidate my loans into a lower, monthly payment. I agreed to consolidate my Federal subsidized loans with XXXX XXXX. Unfortunately, I ( nor my mother, who was helping me make this decision ) did not fully understand what I was agreeing to, nor was XXXX XXXX forthcoming in disclosing that the lower payment would be interest only. Not until the interest only period was up, and I received a notification that my payment was increasing to include a small portion of my principle, did my spouse and I inquire about the terms of my loan. I contacted XXXX XXXX to ask for a copy of the loan terms and promissory note. After several more requests for this information, XXXX XXXX finally agreed to send me a copy. The promissory note did not have a physical signature on it and the note itself, was very vague pertaining to the loan terms. 
Clearly the terms were not fully disclosed to me because shortly after I consolidated the loan, I went back to school ( which was my plan at the time of the consolidation ) and made interest only payments during that time. However, if I had left them as Federal subsidized loans, I could have deferred them while I went back to school and not paid any interest. 
After reviewing the loan with my spouse, I reached out to XXXX XXXX to attempt a mutually beneficial resolution because I felt mislead and uninformed. XXXX XXXX refused. 
I contacted the Inspector General 's Hotline to report this. They told me that there was nothing that they could do for me. I did n't know that the Bureau of Consumer Financial Protect existed to assist similar people in my situation, until a recent report was published describing a lawsuit involving Navient ( i.e. XXXX XXXX ).
Re : Card ending in XXXX ( Chase Sapphire Reserve ) - disputing 2 transactions from XXXX. Refunds in the amount of XXXX ( XXXX ) // XXXX ( XXXX ). 

The conversion rate used for returns is unfair, wrong, and predatory. On this date, a purchase would be converted at 1.194 -- - however, a return is receiving a completely different unfair rate of 1.121 ( 6 % worse ). 

Please see to it that I am refunded the appropriate amount with consideration to the rate that is current. The difference owed to me is over {$100.00} Spent 30 minutes on the phone with XXXX ( XXXX XXXX, TX ) - Account Supervisor XXXX/XXXX/XXXX -- -- - service representative was n't able to assist, outside of her area of competence.
I applied for a student loan deferment on XXXX XXXX, XXXX they took my payment on the XXXX of XXXX from my XXXX bank account. 
They lazy agent said they were gong to put through a deferment. I am still getting phone calls and the deferment has not gone through.. 
I am not able to get a job due to my health problems. I can not get a appointment till XXXX of XXXX.
XXXX XXXX XXXX XXXX was contracted by me for yardwork and lawn upkeep. I made an arrangement to pay of every other week. I paid by US Postal Money Order several times and once by personal check. I NEVER RECEIVED ANY KIND OF BILLING STATEMENT ; NOR WAS I GIVEN A PROPER DEBT VALIDATION IN WRITING PER THE FAIR DEBT COLLECTION ACT. 

In the meantime, the property my sister inherited ( the family home ) was foreclosed and we had to vacate the premises. We never received any kind of written communication whatsoever from XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, Iowa filed a garnishment against my XXXX XXXX XXXX checking account through the lawyer for my mother 's estate despite the fact, that that attorney, XXXX XXXX XXXX, practicing law in XXXX, Iowa is in Conflict of Interest because he represented the Estate and the Guardianship at the very same time he represented the Credit Union that held my late mother 's Home Equity Loan note. XXXX had no problem communicating with XXXX XXXX XXXX which said company can not find its way to XXXX   County District Courthouse ( XXXX  Iowa ) but could find the way to a courthouse in XXXX XXXX ( mid-state Iowa ). 

I want the alleged debt validated -- to show what I have paid and exactly what is owing and the garnishment lifted from my checking account because I am taking care of an invalid and need the funds.
Whilst getting a replacement debit card, due to a stolen account number, the personal banker suggested a refinance on my existing FHA mortgage. She said she could beat the rate I had, but I need to submit some info to " LOCK '' in the rate, which could be done over the phone. However once everything was completed & we showed up to sign the paperwork, there was a higher interest rate than what we had " locked ''. Then the manager to tell us they do n't lock rates. And we had to wait for everything to go through before we would know what it is. In other words, w/o telling us in advance, they claim no one knows there rate till signing. Which does n't make any sense, why would anyone waste their time then? So someone is lying, or covering up for someone not doing their job & locking in my rate. Either way, I feel that this was a " Bait & Switch '', and this bank should be ashamed of treating a customer of over 10 years this way. Due to this, we had to go with another loan agency. During this transaction, we found out that we had lost thousands of dollars in interest savings by wasting our time with US Bank.
I went to the ATM at the Wells Fargo location in XXXX, IN like usual. The v machine has been extra slow the last several weeks and I 've just put up with the long line of cars that forms behind me whenever I 'm using it for deposits, however this time it took my money and miscalculated it! WTF? If the tellers did n't try to sell me something every single time I complete a transaction I might not hesitate to go inside so often, but dealing with them is almost more rotten then the broken atm! Please replace or service it asap! Thanks!!!
I was a current student at XXXX college. The financial aid represntive called me out of class to tell me I did n't have enough funding from grants and student loans to cover my books and said she did n't know how else I was gon na pay for them or continue classes without them or a payment for them. She continued by saying I need to take out a Genesis student loan that would also be payed directly to the school. She filled out an application on line for me. She called them and worked out the details and had me sign up for loan. She said since I was n't working at the time that this would be the best way for me to get my books. I have been paying back my loan. The school has been shut down and now that loan has paid for books and classes I did n't get to finish. The school has shut down and I am still left with the payments on the money the school received for a degree I never got to complete.
I got a letter from XXXX XXXX XXXX for a debt that I owe for some medical treatments I had done. That I thought my insurance was taking care of, but I had n't met my deductible, so they were n't. I did n't have a job, or a phone, and did n't receive phone calls from the manager. She did call family members and asked if they could get a hold of me, when they asked what for, she was rude with them and would n't tell them, just left a number. I did try to call back at the number she left and each attempt went to voicemail and I was unsure what she was calling about so I did not leave a message. 

Cut forward to XXXX XXXX. I receive a letter that said I had 7 days to pay the balance in full of {$210.00}. The letter is dated XXXX XXXX, I live in the same area, so there 's no reason it took a week to receive it. I assume it 's because Bonneville failed to put it in the mail that day, I wish I had the envelope still to see when the exact postage mark was. I called the day I received the letter at 11:44 am. I asked if I could have an extension until XXXX XXXX to pay the amount in full. The person I spoke with said that would be fine. Right before ending the call she said, " do you still work for ( previous employer. ) '' I replied that I do not. She asked for my current employer information and I said I did n't feel comfortable giving her that information because I did n't want my employer to receive harassing phone calls from their company, like my parents have. She said she needed that information to make a payment arrangement, and I said, well I wo n't give you that information because I do n't feel as though it 's needed. She said, " okay that 's fine, I 'll give this account over to my attorneys office today, goodbye. '' I feel as though she was threatening and rude. Today I got served a summons from their attorney. In which the attorney office said that they needed the information of my employer to set up a payment arrangement, in case I did n't make the payment and a lot farther out if they needed that information to garnish my wages. Which would have taken months. This information was not explained by the Bonneville representative, only by their attorney office that I know owe almost {$500.00} to.
Today I discovered a charge called " Payment protection '' on my Discover Card transaction list. The charge must have been going on the card monthly since I have had it because it shows up throughout my transaction list. I look into what this " fee '' is and I see that it covers me if I ca n't make payments. I have my payment auto-deducted and I 'm sure that I have paid way more than three month 's worth of payments in the form of this fee. No one ever asked me if I wanted such a fee and they keep charging me with it. How much money have they been teasing out of my account through this " fee ''. Too much I 'd say.
On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. I tried contacting this company and was never able to actually speak with a agent. 

First off, I have never heard of this company nor have I ever been contacted regarding this alledge debt. The collection information states this account was placed with this company in XX/XX/XXXXof this year. I have no knowledge of this debt and I'm XXXX percent sure I don't owe it. I am retired and debt free. I pay all of my bills and I DO NOT owe anyone. I want this bogus debt removed from each credit report it was placed on. I am aware of my rights as a consumer and I definitely will not hesitate to sue this company for defamation and smearing my credit profile. Also what company just goes around and places debts on credit reports with out allowing the consumer the ability to dispute the validity of the debt, which is my right as a consumer, and I was not given that opportunity.
In   XX/XX/XXXX  m y Bankruptcy was  discharged  in th e Federal Court in    XXXX   XXXX . Included in the bankruptcy was a mortgage on a piece of property located in  XXXX ,   XXXX   which we did not retain. The Mortgage compan y (   XXXX   XXXX   ) file d for foreclosure in  XX/XX/XXXX , the district court in  XXXX ,   XXXX   dismissed the case finding the Mortgage company had engaged in illegal lending practices. In   XX/XX/XXXX     XXXX   XXXX   sold the mortgage to  Shellpoint  Mortgage company, this this point to date Shellpoint continued calling me and sending me letters stating that I owed them this money, I explained that this was  discharged  in bankruptcy and request that they do not contact me on this no longer, They have called me no less t hen 30  times and continue to call, I have also found that they have placed derogatory items on my credit report causing me to be turned down for recent loans. How can they continue to do this after the item was discharged in bankruptcy, I understand that the original lender had the right to foreclose, it has be 7 years and 120 days since I stop making payments to the original lender.
In XX/XX/XXXX, I took a loan from Prosper Marketplace , Inc . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XXXX - XX/XX/XXXX, Prosper reported my account as current. I believe Prosper did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with XXXX and XXXX. Prosper confirmed their information to the bureaus. My credit reports have not been updated.
Hello, Equifax had put myself and my wife threw XXXX, first off we had a paid subscription on their site as a family plan, for days I was n't able to see my credit report or score, First they tell me I needed to validate myself, then they said there was a problem like i had XXXX credit reports, then im told experian placed a fraud alert well over a month ago, I have been told so many different reason as to why my bank account was charged funds for the reports, scores i was personally treated like garbage due to the fact I had past charge-offs as the XXXX said and that i should be ashamed of my charge offs how dare he he does n't know what happened in my life to have this on me, as i work hard to establish my credit, then he declined me my right of having my score when you dispute something they come back with results within a hour declining the dispute due to my mortgage lender not be able to get a score on me yesterday Equifax charged my score points twice for this inquiry. Hard inquiries are on my report because my son and i have the same name and they want me to get a police report for a simple name error. these people need new training, we as consumers do n't deserve the disrespectfulness we got, its our credit that gives them jobs, I am so angry, and upset over this. they do n't even understand what your explaining to them, and when you write them in the mail and you have confirmation they received it they denied it something needs to be done with EQ. took me over 7 months to have Hard Inquires removed for them to place them all back on when they finally got my credit report up and running yesterday and they will not remove them and told me i have to contact each person again i have done this sent it to them over the 7-12 months proved they were n't mind and now back to square one this is n't right!. i lost an entire days work yesterday due to their inconsiderations I have a -lot more documents if needed I want these inquires off this is n't right. Also they are allowing a paid debt still remain a charge off when i proved it was paid for XXXX
I have been trying to getting a modification with my lender ( Nation Star ) and all attempts has been unsuccessful. Recently, my house was listed for sale on XXXX/XXXX/15 and the judge postpone the sale and currently there is another sale date scheduled for XXXX/XXXX/15 and all documentations has been submitted to show verifications of an affordable mortgage. Currently, my husband has obtained a permanent position with his employer and this even makes affordability much better for the long term since it was due to husband being per diem with his current job. On a daily basis, there are constantly people who visit my property in the day while my XXXX children are home taking pictures, surveying the property, this is very terrifying when my daughter is constantly calling me sayings things like " Mom, they are looking around the house again or saying " Mom, someone is in the driveway again ''. I have to constantly reassure here not to worry herself. I have XXXX school aged children and I am pleading with you to help me save my home as Nation Star keeps denying my request.
On Friday, XX/XX/2017, I received in the U.S. mail my " Experian '' credit report dated " XX/XX/2017. '' On " Page 28 of 30 '' under the " Record Of Requests For Your Credit History '' column it noted that " XXXX Resident Screening '' of " XXXX, MA XXXX '' unlawfully accessed my " Experian '' credit report on " XX/XX/2017. '' On XX/XX/2017, I was on vacation in Hawaii. I am a victim of " Identity Theft. '' I then called up " Experian '' and they refused to " Delete '' this unlawful " Identity Theft '' entry off of my " Experian '' credit report!!!
I submitted a dispute for inaccuracies on my credit report with Experian and received my dispute results and a bankruptcy is still reporting on my credit file and it inaccurate. I submitted a claim with BBB and they still sent another dispute result with inaccurate reporting stating the company reported that the information has certified to Experian that the information is accurate and they will not remove it. Per the law passed in XXXX it states the below. 

Not following the Law passed in XXXX XXXX CDIA and NCAP. I have tried to dispute the inaccuracy of my credit file and have not been successful. I have disputed with Experian several times in regards to a public record of a XXXX on my credit file with no verification and no satisfaction. Due to the new law ( CDIA ) that took place on XXXX XXXX, XXXX states New standards for how tax liens, civil judgments and bankruptcies are included in credit reports will go into effect XXXX XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide conumer reporting agencies ( CRAs ) XXXX, Experian and XXXX- to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report : Beginning XXXX XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at, or frequent intervals as follows : Minimum reporting of 1. Name 2. Address, and 3. Social Security Number and or date of birth. Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. They have not once updated any public records or provided any proof or verification this is mine. 

What they have reporting only has the XXXX court information and some identification number which I am not aware of.
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
The collector calls every other day, and sometimes daily! They show up at my house and leave bots send me letters, etc. I have spoken with them and let them know I am currently in a financial situation and I will try to do the best I can! They have threatened with suet and threatened to have wages garnishes from my check I told them that I was going to make a payment but I ca n't go a day with out them calling or showing up at my house at random times and when I do make a payment they harass me in the office if I make a partial payment they decline it and say it must be a full payment before they will except
XX/XX/XXXX I sent a letter to Quality Acceptance LLC disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to Quality Acceptance LLC again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request