WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/18 Had a wreck and total loss my vehicle. Was not educated on how payments work while under insurance processing. I have never been late on a payment for 2 years and received a late payment because of the total loss process and the company isn't willing to get it removed from my credit score after there has been on time payments.

XX/XX/18 Spoke with a representative that stated that i was not late on my payments and stated she would send in a dispute. She stated that it would take 30 days to update.

XXXX XXXX received my insurance payments and the amount is paid down from XXXX to XXXX. Late payment still hasn't removed from my credit report.
Attempted to have XXXX XXXX XXXX to update my XXXX Credit Card late payment which happened for only 2 months over 2 years ago as reflecting as derogatory on my credit reports thus impacting my FICO scores and my perfect on-time payment history of auto deductions from my checking account for 2 years of above minimum payments. They chose not to update it. However, they change the Account Type from CREDIT CARD ( which it is -- a XXXX credit card ) to MANUFACTURED HOUSING ( I've NEVER owned any type of housing ) I'm renting an apartment in Public Housing. 

As you can see, I've disputed this twice with Transunion telling them this was a credit card but again as you see in the attached document it shows incorrect Loan Type. I'm not disputing the amount nor the credit card. I'm trying to get them to do me a favor in removing it from derogatory account status and make right the Loan Type. I've never asked for an increased in the credit limit in the time I've had this account either, that would be favorable also to my credit score but I  haven't asked for that.
I had a {$2600.00} loan with XXXX XXXX XXXX. I have been paying on the loan for at least 4-5 years. The company changed to Cash Call and they began collecting on the loan.The continued to call me in regards to making payments. I attempted to make a payment approximately 2 weeks ago and they refused the payment and they could n't tell me why they could n't collect on the loan.
First, My husband and I had asked our relator to request that the builder we were using pay the closing costs. No offer was ever drafted to the builder and nothing specifically in the Purchase Agreement stated the builder denied the request, so we assumed our request was address and accepted, so we signed it. I know as buyers we should have follow-up with the request, but we assumed that the person we hired and were paying would do what we asked and advise us if the request was denied so we can alter certain things to fit our budget. 
Second, our realtor referred us to the loan officer she uses for most of her clients. We submitted the necessary information regarding the application process and we were pre-approved. Construction began on the property shortly thereafter. Well, 60 days prior to the estimated closing date approached, which was approximately 3 months after the application was completed, we receive a " Worksheet '' of the outlined costs associated with the closing and our monthly payments. The loan amount was wrong for one, so the numbers were completely off and it has us paying all the closing costs. Once we addressed this with our relator, we asked why an offer was never sent, no response was given regarding this, and she advised that she assumed we knew the builder was not going to pay any closing costs, so never professionally told us. The main issue here is we NEVER received a Good Faith Estimate during this process, 12CFR1024.7, which now I see if a federal requirement. My husband and I were not aware we were suppose to receive this document, that is not our job that is the lender 's job. My husband and I spent a month trying to configure numbers to make the agreement work not that we were required to pay ALL closing costs. Well, my husband and I were not able to commit to a loan that was too high and draining our savings account so we had to back out of the Purchase Agreement, losing our {$6000.00} in earnest money. We had no other choice. We do not want to end up in foreclosure.
My student loans were transferred to Navient from XXXX a few years ago. I was notified by Navient on XX/XX/2016 that a parent plus loan went into deferment on XX/XX/2016. I immediately notified them on XX/XX/2016 that I did not want this loan to be in deferment. This payment was part of a loan credit program reducing the interest rate 1.5 %, but because I missed a payment because of their late notice to me this loan credit was retracted. They also charged me {$83.00}. I was not aware that when my daughter returned to school for a master 's program that when she placed her student loans into deferment the parent plus loan I have would also go into deferment. I have asked them in writing to reinstate this credit because I had no opportunity to ensure the payments remain consistent, but they have denied this request.
I have 2 bank accounts with Capital One, one is an individual and the other is a joint with my wife. I had unauthorized charges on my debt card that is linked to my individual account. I called and notified Capital One as soon as I saw these charges on my account. Capital One was not able to resolve the issue within 10 business days and gave be provisional credit while they investigate. I was contacted on XX/XX/XXXX by an investigator regarding the unauthorized charges. He asked if I could file a report with the local authorities. I explained to him that I was in my car and asked if I could do it on Monday when I got back in town. He stated that he really wants me to do it sooner than later. I then told him that I will try to get it down online when I get to where I was going. When I tried to file the report online, it stated that this type of report can not be done online and it has to be done my mail or in person. On Saturday XX/XX/XXXX, I realized that my individual and joint account were both frozen. I called Capital One to find out what is going on and they told me that I have to speak with the representative that put the freeze on my accounts ( this was the representative that I spoke with the day before ). On Monday XX/XX/XXXX I called the representative a number of times and left a number of voicemails. Finally I was able to get ahold of him through a service team member. He said that he has up to 72 hours to call me back but, since he has me on the line he would answer whatever questions that I might have. I ask him about the freeze and he admitted that he did do it. I explained to him that I could not do it online and that I had to either send the form in or do it in person. He then stated that's not what he told me to do. He stated that he told me to do it Friday, which is not correct. I let him know that he can not freeze my funds on my accounts. He said that he will continue to have all of my accounts frozen, including the one with my wife, until the investigation is complete. This violates my rights under the Electronic Fund Transfer Act ( EFTA ). Under EFTA V. Consumer Liability and Error Resolution ( 12 CFR 1005.6, 1005.11 ) it states the process and procedures on how a bank is supposed to act. Capital One is not doing this.
Today, XXXX XXXX, XXXX I talked to someone with a company called ARA, Inc. They had made two previous calls to my cell phone but never left messages, so I called the number to see what the calls were about. The person then proceeded to tell me they were calling to settle a debt from XXXX from a XXXX XXXX XXXX account in the amount of {$4000.00}. I told him the account he mentioned did not sound familiar. He mentioned the account was opened in a different state than where I lived in XXXX, then subsequently sold to different collection agencies. I reiterated to him, I didn't even live in that state in XXXX. Not only that, but he repeatedly kept referring to me by my First and Middle names only. He had very detailed information about me and my credit record. He sited my complete social security number ; he referenced current accounts on my credit report, and then stated that I had good credit, ( " re-established credit '' ) and then insinuated that he would do whatever necessary to recover the {$4000.00} and pursue legal action. He then accused me of using different names. I stated that in the 19 years I have lived at my current address, I have never been contacted by anyone regarding a XXXX XXXX  credit card account, and at this point, all this was, was a random call to get money out of me and I requested he send me detailed information about the account / debt.
I am working with an attorney to file for bankruptcy . Encore Receivable Management  (  XXXX  ) keeps calling me, and will not stop calling me. They start calling me at  XXXX  and call me every hour on the hour throughout the day. Then they start the next day at  XXXX  and call me every hour on the hour throughout the day. This has been going on for more than a month now. I can not do anything about it. I have asked them not to call but they keep calling anyway. It is totally ridiculous. Please help me stop their calls.
I recently filed bankruptcy stop the property foreclosure sale of my home. 
My Bankruptcy has been dismissed and I recently submitted financials and request for mortgage modification again. Regions bank has given me a hard time with my request for mortgage assistance. Regions has informed me last week they would not review my file because I was on XXXX. I did provide the requested documents I don't want to lose my house to foreclosure. Received a letter in the mail from the XXXX XXXX  XXXX Regions foreclosure attorney stating there is a property foreclosure sale set for my home XX/XX/2018. The letter is dated XX/XX/2018 the Tennessee law states the homeowner is to be given 30 day notice before the property sale date. I didn't receive this notice 30 days before the sale date. I feel I'm being discriminated and not being treated fairly. see attachment
I received a letter from XXXX XXXX saying that I owe XXXX dollars. When I go to the school they say they do n't know where the balance comes from I owe XXXX. I should n't owe anything at all. There was a natural disaster that caused me to have to drop classes for the last two fall sessions. Last year they charged me back for my classes but I still had to repay the loan so I was charged 2x for the classes. This year they reversed my loans all together then doubled the amount but I am still repaying the loan to the state. I need help to get this resolved. I should n't be being charged anything back because of the natural disaster
I spoke to a manager to figure out a way to get my mortgage back on track. We have a large lump sum of {$55000.00} to put down and we agreed to pay the rest in 3 months along with our mortgage payment and he was sending the paperwork in the mail. That was in the beginning of XXXX XXXX. He called me back a week later and said he was going to email it to me, I never got it, not in my spam, so I call like he said and left a message, still no call back from him or my representative and I 've left numerous messages. My first payment was supposed to be XXXX XXXX. 

I do n't know what else to due.
First, how and when the capitalized interest was applied was not fully explained. The impact of deferrals/forbearance was not explained. 
Second, I dont think that the capitalized interest is being calculated correctly. I have been paying regularly on my load for 10 years and the principle has not gone down. I feel like I am in a situation that I will die with. The interest is ridiculous. I contacted Navient to ask them the explain how and why I have received each charge of capitalized interest. They referred me to my account history. The account history does not show how it was calculated. I have paid $ XXXX in interest and $ XXXX on the principle. I have pad a minimun of {$200.00} a month for 10 years.I will die before this is paid off. 
Attached is my payment, interest file
I applied for a cash out refinance with Bank of America. Went through the entire process all the way to setting up a closing date. Ten days before we were to close the loan got denied because I have XXXX exemption on the property. BOA should have ask or known about this long before setting up a closing date. I would like a refund on the appraisal as the loan never should have gotten to the appraisal process. They had all tax info including my Federal returns that clearly show a loss or profit from farming, three weeks before the appraisal. If XXXX exemption is an automatic denial for a loan it should be XXXX of the first items asked or looked at. BOA was negligent and should never had went as far in the process of making me pay for an appraisal. The loan should have been denied in the first days of the process before the appraisal.
I had a contract with XXXX XXXX XXXX. I was set up to have XXXX draft the monthly fee out of my checking account. XX/XX/XXXX I sold my home and contacted XXXX to try and cancel my contract. I spoke to a supervisor and he agreed to cancel the contract. The last payment was drafted out of my account on XXXX XXXX, XXXX. I have not received any calls or a letter from XXXX notifying me of any problems. I checked my Equifax credit report in XXXX XXXX and saw a derogatory report from XXXX saying that I have had several missed payments and the report shows payments being made through XX/XX/XXXX and then since then all my payments are past due. This is incorrect. If XXXX had not cancelled my account then why did they discontinue the monthly drafts from my checking account. I filed a dispute through Equifax but have not received a response. I looked XXXX up online and they have only a XXXX star rating and there are numerous complaints from consumers the same or similar to mine. Why is a company allowed to operate so dishonestly? It is unfair for a company to just be able to ruin someones credit!
I was in a non-profit credit management program. Each month I paid a consolidator {$700.00} and they distributed it to my creditors each month. The program has been ongoing since XXXX 2013 until present. One of the creditors was Capital One ( account number ending in XXXX ). During that time period My credit reports show XXXX payments 30 or more days past due for this account while there is no problem with the other credit accounts. The due date for the Capital One account is the XXXX of each month. I obtained electronic records from my credit management company showing that each month funds were always transferred to Capital One electronically within 30 days of the due date. In XXXX cases a double payment was made the following month when a payment was missed, but in these cases the double payment was still within 30 days of the due date the month before and so no payments were 30 or more days past due. I discussed with Capital One representatives 4 times by phone and they refused to fix it. I sent them the electronic records ( attached ), but they still refused to do anything even with the undisputable evidence. I do not think they have anything to gain from this. They are just too lazy to make any effort to fix their mistake. I think this is all electronic and it is not easy to fix and so they just ignore me. This account corresponds to 80 % of my late payments in this period and I have been denied credit due to these incorrect records. My position is that as a reporter of credit information to the bureas the law requires them to correct information when they have clear evidence it is incorrect. By not honoring their obligations as a credit information reporter they are causing financial damage to me. I want them to fix this so that I am not further damaged by their mistakes.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

This debt is over the statute of limitations in the state of Texas, which is 4 years. This company is violating the laws in the state of Tecas by attempting to collect this debt. 

Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
I Have wire transferred a sum of {$30000.00} USD to Coinbase via the wire instructions listed to purchase additional vitrual currencies. I have used them in the past but this was the first time sending a larger sum of money. My funds have not appeared for since XXXX XXXX 2018, which was the date of the transfer. My bank has confirmed the funds were indeed sent, the deposit bank acknowledged the funds have been recieved but it is up to Coinbase to settle the issue. Ive submitted a request a few days after with no response excpet that they will review. It has been a full week with no contact from coinbase.com or any resolution.
J.P. Morgan Chase provided out of date information regarding refunds on upfront mortgage insurance in regards to my FHA loan. The FHA Homeowners Fact Sheet paperwork they send is over 14 years old ( XX/XX/XXXX ) and the current version that includes the update to the eligibility for a refund of upfront PMI costs was updated in XX/XX/XXXX. Due to the fact that they did not provide accurate information I was left believing that I could get a refund of my upfront premiums if I refinanced to a conventional loan within the allotted time period. I even tried to refinance through them, but due to a horrible customer experience I ended up refinancing with another lender, and this makes me even more happy that I did. The update in XX/XX/XXXX only allows a refund now if you refinance into another FHA loan ... thanks for nothing Chase.
This creditor is extremely aggressive in their collection practice they are harassing me not only at work but on my cell phone as well. I 'm trying to work somthing out with them but they are treating me like a dog. Can you please help me with this.
Me and my family flooded XXXX of 2016 in Louisiana. Me and wife started contacting our lenders to see if we could defer some of our payments to the end of our loans since we did n't have floor insurance and most of the expenses was going to come out our pockets. My mortgage company was glad to help with and promising us the payments that we missed would be put on the back of the loan. After one year later and three sets of paper work we had to send in and countless phone calls we finally got our modification paper. XXXX XXXX dollars and two years was added to the loan. When I question them about the add the balance they could only give me assumptions of where the add was coming from and denied me the paper work showing the add. If I would have known the headache and the fact of not knowing I was going to lose our home that we are raising our XXXX children in. Do n't trust GMFS mortgage company or XXXX. After losing all my belongings I was thinking I was going to lose my house too. We thought at the time that it was a blessing but turned into a nightmare.
I have a Security Freeze on all 3 Credit Bureaus. I gave authorization for One Time for an inquiry to XXXX XXXX on XXXX XXXX, XXXX. The dealership, XXXX XXXX XXXX has ran an Inquiry and stated that they could bypass any XXXX freeze on the account. They DID too. I lifted the freeze for a few days ONLY for XXXX XXXX  exclusively. Today I received an alert from XXXX XXXX, the company allowing these other Banks and XXXX XXXX XXXX to access my Credit repeatedly ( 6 times ) in the past month when only one time was allowed and my credit files were still locked!! I have copy of recent Inquiries with dates including today and Sunday, XXXX XXXX, XXXX by XXXX XXXX. I had already had an Inquiry by them in XXXX XXXX, XXXX and my first payment isnt even due as I was approved, yet their company couldnt explain why 2 more were done. I need XXXX, EXPERIAN and XXXX to Freeze my accounts as has been initiated and quit allowing people to acces my files at will as it lowers my score and theyre violating my directives for having a Security Freeze in the first place! Auto dealerships also should NOT be allowed to bypass security freezes! They should have to wait just like XXXX XXXX did for the freeze to be unlocked. Please respond and initiate this complaint as a formal investigation and do not use my name or any personally identifiable information as Im currently exempt form public record and would be a safety issue!
On XX/XX/XXXX, I received the first phone call from ACI, regarding the negative balance {$2800.00} on my XXXX account. 

The first time I was informed by XXXX about this {$2800.00} negative balance was on XX/XX/XXXX, and I messaged XXXX right away. However, PayPals response is terrible slow. And until today, there is no supporting information from XXXX to explain the occurrence of the {$2800.00} negative balance. I can not find any related transactions on my XXXX activity summary as well. 

So when ACI agency call me onXX/XX/XXXX and tried to collect debt, I asked the representative to provide the same thing : supporting documents that explain why the {$2800.00} negative balance occurred on my XXXX account.Then I  can know what is going on and do next thing. 

The representative contacted me three times afterXX/XX/XXXX, and I always asked for the same thing. But until today, I only received a ACI payment letter on XX/XX/XXXX, and a XXXX statement letter that provided by ACI onXX/XX/XXXX. 

So right now, all the information that I have is I have 4 of {$700.00}, a total {$2800.00} negative balance on my account, dont know why, but ACI and XXXX expect me to pay without giving any explanations. 

Additionally, the attitude of the representative that I spoke with is extremely bad. He never listen, inpatient, and always interrupt me. I think this is another reason why I havent got the information that I needed. 
I demand that correspond with me solely in email and that ACI provide proofs that I personally perform {$2800.00} related transaction activity and owe money. If I dont reply email in 48 hours, then your company can call me.

I will sue ACI if you guys attempt to falsely claim to the credit reporting agencies or other organizations/companies that I have an unpaid debt. 

At last, things I mentioned above, including XXXX message/emails, ACI call history/sent document, and XXXX account activity, are all in attachment.