WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX Cap one Finance sent me a auto loan " Pre-approval '' letter which stated they had interest rates as low as 2.3 %. I had called Capital One Auto Loan callcenter XXXX during that time asking them what interest rate I was approved. Each time I called they instructed me to take the Capital One pre-approver letter to the dealer of my choice. I took it to XXXX XXXX owned by XXXX XXXX in XXXX XXXX State. 
I was told the only interest rate quoted by Capital One Auto Finance was 16.990 %, I was also told by XXXX XXXX that Capital One Auto Finance would refinance this loan to a lower interest rate after I showed XXXX year of ontime payments with no late payments. Capital One told me in XXXX of XXXX they do not refinance their own loans. 
I have paid this huge interest rate for 15 months now with no late payments and I have only paid {$2900.00} off the price of the car while paying a whooping {$4900.00} to Capital One Auto Finance in interest. This is a Predatory leading loan and it sets me up for failure as my employer has laid off XXXX employees this year with announcements to lay off in XXXX XXXX. 
Also, I tried to re-finance with several companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AUTO LOAN and all of these companies tell me that I am in a predatory loan and the payments I have made all went to interest profit for Capital one and the owed to value of the car exceeds their criteria to refinance. So after 15 months of on-time payments I owe more than the XXXX FORD FOCUS is worth because I paid {$4900.00} in interest and only {$2900.00} to payoff. 
In the event I am laid off this year I will default on this loan with this high payment of {$580.00} a month. I need Capital One Auto finance to drop my interest rate to a non-predatory rate to be no more than 8 %. Please review documents that prove I have paid on time and have no late payments on my credit report for the last 15 months.
I leased a XXXX XXXX XXXX from Herbies Auto Sales in XXXX Colorado in XXXX XXXX, and was misled about things like a " rental fee '' and the warranty. The rental fee has been somewhat confusing, as when I checked my credit, it was significantly different than the number I was given when I leased the truck, and I called them and told them their amounts are incorrect, and they plainly disagreed with me. As for the warranty, the paperwork I saw never mentioned anything besides the deductible, which was fine with me, but when my radiator started leaking a few days ago, they also informed me they only warranty the parts, not the labor.
I responded to a letter, dated XX/XX/2019, that I received at my address of XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The letter stated that I am responsible for a debt that no longer belongs to me. 

Timeline : XX/XX/2019 - A letter was sent to my employer stating that my wages were to be garnished. Please note that I was not informed of this garnishment by either the creditor or employer until XX/XX/2019. 

XX/XX/2019 -I called ConServe, the debt collector, to dispute the debt. I spoke with a representative ( XXXX ) at XXXX. XXXX flagged the account as a verbal dispute and informed me he was sending paperwork to dispute in writing within the 30 days. XXXX requested that I call back on the XXXX if the paperwork didnt make it to my address. He stated that it could take up to a month to receive. 

XX/XX/2019 ( 11 days after my call ) - I received a notice from my employer that my wages were to be garnished. I called ConServe to discuss the matter and spoke with a representative by the name of XXXX. XXXX informed me that the dispute paperwork was sent to the wrong address. An address that I have never lived at. Since the letter was never returned, they assumed I received the letter and choose not to dispute. After some discussion and questions, I asked to speak to a manager for more clarification. I spoke with XXXX XXXX and she said I could call the garnishment department the following day. 

XX/XX/2019 - I spoke with a gentleman from the garnishment department by the name of XXXX. XXXX recognized the clerical error as well, but said there was nothing he could do. When I asked how they received my XXXX XXXX XXXX XXXX address in the first place, he didnt have a clear answer other than the Post Office gave it. 

I was never given my due process of 30 days from the original letter dated the XXXX of XXXX.
On XX/XX/XXXX I quit my job with XXXX, my 401k is through Wells Fargo. On XX/XX/2018, I called customer service and asked for my distribution of my 401k. On XX/XX/2018 they supposedly mailed out my check. On XX/XX/2018 I called back and they said they mailed the check to the incorrect address, which is impossible because my address never changed. Supposedly it would take another 10 business days to arrive. I called again on XX/XX/2018. They keep apologizing, but I have yet to receive my check. I reported my situation to the board of directors for Wells Fargo, the federal reserve and whomever else possible. My information got forwarded to the cfpb who in return sent my information to wells Fargo. Wells Fargo responded on XX/XX/XXXX with a pdf letter which I never received in the mail which was dated XX/XX/18. It is now XX/XX/18 and I still have not received my check for XXXX. I have lost out on an excellent job offer because I was going to use this money to move. Now I am homeless and living in my car. All I want is for Wells Fargo to either deposit my money into my bank or mail me my check. I never had these problems with XXXX XXXX.
I have been fighting for 8 years to keep my home. Now that we are in the process of modifying my loan they are trying to compound my interest and charge me nearly double what I owe on the home. Additionally the escrow needs to be recalculated with the new insurance and tax credit as they are currently using a negative {$1000.00} escrow shortage as part of the modification.
I received collection calls from Nationstar Mortgage on XXXX XXXX, 2016 at XXXX and XXXX and again on XXXX XXXX, 2016 at XXXX. The first two calls I did not answer because I thought it was a telemarketer. The final call I answered and was advised that my mortgage was 3 months delinquent. My mortgage is current, and has remained current for the entire duration of its term. After checking their records, they said the calls to me were in error and the account is current. They claim the calls were initiated in error due to my recent recast request. The Nationstar website ( screenshot attached ) also shows a delinquency. The rep I spoke with claims my payments were placed in some sort of " holding account '' due to my recast request. I requested the recast because of {$10000.00} in HAMP funds which have been paid towards my principle in the past 5 years. According to HAMP guidelines, I may be eligible for recast to reduce the payments due to these principle payments.
My mortgage company loan ( XXXX loan # XXXX ) was sold to ( green tree loan # XXXX ). XX/XX/XXXX. Which has now turned into Ditech XXXX # XXXX. 
They ( Green Tree/Ditech ) Claim that I missed a payment. I have not and sent them the proof a couple of times. And they still claim I missed one payment and are charging me late fees on top of the regular payments. I have ALL the bank statements and copies of checks to show that I paid every payment. As well as a Expense Detail Statement from XXXX XXXX showing they released {$1800.00} to Green Tree on XX/XX/XXXX. I need to know how to resolve this issue.
I underwent a routine test at a local clinic and the visit and all procedures were fully covered by XXXX, the health insurance company. XXXXXXXX XXXX  Explanation of Benefits indicates that the physician 's clinic, XXXX XXXX, was paid directly by XXXX. Despite receiving payment in full, XXXX XXXX, repeatedly tried to double bill me directly. I explained to them several times over the phone as well as in writing that this bill had already been paid by XXXX. They simply ignored my response and in partnership with their collection agency, Frost-Arnett, have repeatedly tried to fraudulently collect monies that were never owed by me.
To Whom It May Concern, The reason for me filing this complaint is due to Portfolio Recovery Associates failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
After my Loan was purchased from Nation-star they preceded to say that I needed flood insurance however I am not I provided survey. Two months go by and collection calls come in after many phone hours trying to get to the bottom of this they needed a Map Addendum which I then provided. Another 2 months go by no adjustment to the records. Charging me late charges and reporting to credit bureau that Im late on payments when I still continued to pay my monthly mortgage on time. Finally after numerous calls the insurance is fixed and removed from my loan. Now they are saying that I am behind a payment. How is that when I provided all the documents to show actually an extra payment is in. They continue to send people out to take pictures of my home and charge fees to me even tho i have told them I occupy the property. The credit bureau reporting in accurate information is very concerning as I cant refinance or get the pmi off of my loan as it looks like i am behind and i am not. I have plenty of documentation, emails and voice messages to substantiate my claims. I have spent countless hours on the phone thru emails etc and nothing has helped. I am a single mother and my home is important to myself and my children this situation is very sad. I 've seen Nation star foreclose on properties because of the same lack of communication. Please Advise Thank You
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DEPTEDNELNET with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Experian can not seem to get this right. I've already filed a complaint with CFPB regarding this matter and Experian claimed it spoke with XXXX and supposedly confirmed that I am somehow responsible for XXXX  account no. XXXX. Experian uses this as a basis to keep its negative and erroneous report regarding me and this account on my credit report - essentially, Experian is reporting that I failed to pay and/or made a late payment in connection with XXXX  account no. XXXX. This is false. Experian should know this, because I previously forwarded to Experian a letter from XXXX attesting to the fact that account no. XXXX is not my responsibility. Nevertheless, Experian, in response to my earlier complaint with the CFPB, stated the following : " Per your previous request for reinvestigation, we contacted the data furnisher ( s ) for the account and asked them to verify the accuracy of the information with which you disagree. The data furnisher ( s ) responded to your dispute and verified that the disputed information was accurate as reported. '' Experian is either mistaken, not telling the truth, and/or did not really bother to contact XXXX regarding account no. XXXX. Provided with this complaint is the letter I previously sent to Experian along with a letter from XXXX confirming that account no. XXXX was not and is not my responsibility. If I am wrong, please enlighten me and XXXX as to why Experian continues to insist on trying to hang this bogus credit report regarding XXXX around my neck. If there is a valid and legal basis for what Experian continues to try to do to me regarding XXXX account no. XXXX, I would love to hear it. 


Failing that, Experian should remove the negative references to XXXX account no. XXXX from my credit reporting, and restore my credit score to what it was before it was improperly affected by Experian 's erroneous and defamatory attribution of account no. XXXX to me. Maybe this time, Experian will actually read what it has previously been provided, and actually speak with the person from XXXX who knows that account no. XXXX was not and is not my responsibility. 


CFPB, please look into this with a little more vigor than last time. Apparently, you can not believe or rely on what Experian says about XXXX, XXXX account no. XXXX, and the account 's truly non-existent connection to me. Please look at the letter from XXXX!
On XXXX XXXX, 2016 I made a deposit to my checking account of XXXX. On XXXX XXXX, 2016 money was swept from my overdraft protection line of credit and a sweep fee ( {$12.00} ) was assessed. When I contacted the bank via the customer service phone number XXXX explained that it appears a hold was put on my account and I wanted to understand if the fee would be reversed once the deposit cleared. This question could not be answered and I was told my name was going on a list to be contacted by a manager. Almost two weeks went by and I never heard from them. On XXXX XXXX I contacted my branch ( XXXX office ) and explained that I 'd like to know if my fee can be reversed since my deposit has cleared. I also asked why I was never told a hold was being put on my deposit. She explained that if I flipped my deposit receipt over I would see the hold notice. She also explained that they do not typically reverse these fees since I am made aware of the hold, however, in this case I was n't. I made my deposit through the drive-up and they could have simple told me a hold was being placed but nothing was said to me other than, 'Thank you have a great day '. Prior to BB & T taking over Susquehanna Bank a hold notice would have been mailed the same day or the following day and a verbal notification would have been provided at the time of deposit if the decision to place a hold was known. I feel that this practice is deceptive to the customer and is increasing BB & T 's fee revenue at our expense. Please note : The front of the deposit receipt looks exactly the same whether there is a notice on the back or not, so there is truly nothing telling you to flip it over and read the notice. Since the branch manager is on vacation I still have not gotten a resolution. I think BB & T should verbally inform their customers of their decision to place a hold or at least tell them to review the hold notice provided on the back of their deposit receipt since the decision to place the hold has already been made at the time of deposit. I do n't believe Reg. CC was meant to increase fee revenue as BB & T appears to be utilizing it.
ok I met this person on XXXX   after going through a divorce, after speaking with him a while online he said he wanted to help me because I was going through financial troubles convinced me to give him my Regions account number to deposit XXXX in my account to help me. Well little did I know I was being scammed, Regions sent me a copy of the check which was from XXXX and it wasn't even the person I was speaking to online. Fake online name and all, this has messed me up bad with direct deposit my pay and cashing an insurance check I received from damage in my storage building. Please I have learned my lesson and trust no one with my personal information. I am the victim of a scam.
After being a customer of  BMO 's for 8+ y ears, I had my first misstep. I have a checking account, savings account, overdraw line of credit and credit card through them. In  XXXX  of   XXXX  , I missed my first payments ever. It was an honest mistake, but I just forgot to pay the bill - a true human error. I was never called, emailed, texted or otherwise notified that I had missed a payment. I did n't realize that I had goofed until   XXXX   XXXX  , not BMO, let me know that I had missed a payment and my scored had dropped by  XXXX  points.     I called the company, apologized and admitted that it was a goof on my end but I also mentioned that I was never notified that I had an overdue payment. That helped nothing. They told me that there was nothing they could do to help me since it was " not their fault '' and that I could file a formal dispute.     Before filing the formal dispute, I went into a   BMO branch to explain to them what had happened. They seemed enthusiastic to help me since they could see that I had done business with them for so long, but I was also told by the manager of the branch that there was nothing she could do either and that I 'd have to follow up with the people who handled the credit cards directly. Needless to say, I filed a formal dispute with the credit card division within BMO and received response stating that the " information being disputed was verified as accurate and would not be changed. '' Document is attached.
I want to make it absolutely clear that I did not receive any communication whatsoever from BMO letting me know that my payment was overdue and I was at risk of a derogatory mark on my credit report. I think I received 1 voicemail from them after my credit report had already been hit. I never once asked that they refund me the late fees, I was perfectly willing to pay them. I only asked that they remove the derogatory remark from my credit report as I felt that there was something they could have done to help prevent the situation.
This all occurred after they completely wiped my credit card rewards with no warning. I would not recommend doing credit card business through BMO.   They have some serious work to do from a customer service perspective.
After a death in the family we found IRA 's that were left to me by my deceased father and they also included my name. We had the will probated and began the task of dispersing his assets. The late part of XXXX 2016 we took all needed paper work including a death certificate to our local branch and were told we would receive the the money in a few weeks.The XXXX part of XXXX when we had n't received a check we returned to our local branch only to be told that our paper work was lost in a flood so we began the process again and told that a check would be mailed on the XXXX day of XXXX. XXXX XXXX no check has been received so we return to our local branch and told that due to the recent holidays and snow that its just taking a little longer. Upon further questioning we find out that they are now missing a death certificate which is supposedly lost in this flood and not located from the 2nd submission so we provide it immediately and now are told that a check will go out Friday XXXX XXXX.
My name isTheresa XXXX XXXX. I am a XXXX age XXXXyrs old. I live at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. Please I really need your help. I bought a car, XXXX XXXX XXXX year model. The finance company is Exeter Finance. Address of Exeter is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. I bought the car XX/XX/XXXX. Loan # is XXXX. 
The problem taht I have is that I finished paying off my car and now I am getting threats from Exeter Finance saying that they are going to repossess my car. They said I still owe them {$1200.00}. They called me on XX/XX/XXXX. I was scared when they said they were coming to get my car despite teh fact that I have paid them {$11000.00} to date thinking I had paid off my car. I paid them {$600.00} by phone from my Social security payment. Then on the very next day, XX/XX/XXXX at about XXXX they called again demanding for more money. I told them I did not have any thing more since they took the chunk of my XXXX pay, net for XX/XX/XXXX and I only had a small amount to live on. Then I went to the non profit in XXXX XXXX and they suggested I file a complaint. They helped me call Exeter Finance but to no avail. I feel I have been cheated. The car payment was {$320.00} per month for 63 months at 28 %. I felt so proud that I paid them off the total of {$22000.00}. For a {$12000.00} car, I paid {$22000.00} for it. I still did not get my car title. Please can you help me get my title and investigate the excessive payments I am still been charged. I will like a refund of any excess payments I have made. Thank you.
My name is XXXX XXXX and I received a copy of my credit report and there was a collection from XXXX that I was disputed it's validity with the three major credit reporting agencies. Once I received more details I realized it was for a XXXX account. I spoke with the collection agency and they agreed to remove it completely if paid in full. I did pay the item and received proof they agreed to remove it as well. I mailed the information to all three bureaus and for some reason Equifax and XXXX  only showed that it was paid and did not remove it. This upsets me since 1 they did not complete an investigation otherwise they too would have removed it and 2 I sent them proof all they had to do was call them company. I am tired of trying to work with the bureaus because there have been other things that took almost a year to get resolved. I don't have another year for them to do their jobs.
Medical bill stemming from a motor vehicle accident XX/XX/2013. 
Entire bill was paid from medical bill lien {$5700.00} dollars ( Copy Enclosed ) and account is settled in full. 

This is the second attempt to collect this debt from this XXXX office.
XXXX CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF CITI ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.
I was pursuing a mortgage loan modification and was presented a loan modification proposal and the lengthy application process. After reviewing the documents of the proposed modification I did not feel it was a reasonable deal. I took the next five months to look around and see what other options were available. After a five month search I felt I had no option but accept the original proposal from Select Portfolio Services. Upon contacting them they said my application and offer had expired. Two days later when I called them again I was told that I could, in fact, accept that original loan modification agreement. I informed them that i could not fine the original loan mod documents ; And would they they please rewrite them and send them to me for my acceptance and signature. They did, I signed returned and started making regular loan payments. 

I did not catch, that when the modification document was re-written and sent to me the second time, that the dates for the commencement of mortgage payments had not been updated to reflect my signing date, but had been left at the dates five months earlier, when the proposed modification had initially been offered. Original modification was offered XXXX/XXXX/XXXX and I accepted and signed XXXX/XXXX/XXXX. I have been five monthly payments behind ever since. 

I have applied for a second modification with Select Portfolio Services to resolve this issue to no avail. I have asked that they simple move those five payment to the end of the loan and return me to a " current '' status and they have refused. 

I need help to resolve this matter.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX