WillisBack/dataset-financial-user-claim huggingface dataset:
Hunter Warfield is showing a past due balance of {$2000.00} on my credit report. This company has not contacted me other than once back in XX/XX/XXXX ( before the debt was even reported ) as this occurred on XX/XX/XXXX. The original balance was {$1600.00} -- Hunter Warfield claims  that I owe this due to a cleaning fee & broken lease agreement. I verbally gave XXXX XXXX a 30 day move out notice on XX/XX/XXXX & was informed that no additional information was needed. I proceeded to move out XX/XX/XXXX and did not know any additional action was needed. XXXX XXXX XXXX ( no longer in business, closed in XX/XX/XXXX ) refused to supply me with a detailed statement and receipts of subcontractor fees. I was informed that the account would be sent to collections. I sent a letter requesting validation of debt as well as phone conversation requesting validation and Hunter Warfield representative stated they were not responsible for such things and I needed to just " pay it off ''. I will not acknowledge or own this debt until such validation is presented. Also it is showing a past due balance of {$2000.00}, the original starting balance was {$1600.00}, i have not been informed or attempted to be contacted regarding ANY interest rates or outstanding balance. I am unable to get in touch with original creditor due to them going out of business several years ago and i refuse to speak to Hunter Warfield due to the HORRIBLE experience i had while trying to discuss the balance back in XX/XX/XXXX. I have disputed through XXXX & XXXX more than once, and they continue to say account is valid. I will not own this debt until a detailed summary is sent to me with an explanation of charges. I do not want a confirmation of my mailing address, i want an itemized statement proving the charges. This company demonstrates HORRIBLE collection practices and is absolutely impossible to work with.
The wrong phone numbers are listed. The only correct phone number is my cell phone number. There are XXXX social security numbers on my report that are not mine and I have only used my correct and original social security number. I never tried to obtain a car loan in 2014 and there are numerous other false statements. It is my belief that possibly my ex-wife of 20+ years and or my son or daughter, both of adult age may have used my personal information. I am trying very hard to get my credit in good standing and so far I am doing pretty good as I try to carry no credit card balance. Have always paid my rent on time. It is just demoralizing when you are trying so hard and see mistakes such as XXXX wrong social security numbers. XXXX Towns that I never lived in. That being XXXX, Ma. and XXXX, Ma. and possibly XXXX, Ma.
On XXXX separate attempts once on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 i sent validation letters to AD Astra Recovery Services to have them verify the debit that is owed. They refused to give me proper debt validation, in which i invoke my rights under the Texas XXXX to have certain information be provided to in which they have not provided. They also marked my file as disputed when I clearly did not dispute anything let alone send them letters under the FDCPA. Since they have n't given me proper validation under the Texas XXXX which requires them to either validate within 30 days properly or they are in violation.
I received a letter from AR Resources dated XXXX XXXX, 2016, and received it via US Mail on XXXX XXXX, 2016, claiming I owe a balance of XXXX. I am not aware of any outstanding account with AR Resources or any affiliates of AR Resources. I responded with a letter of verification and validation within the 30 days prescribed by FDCPA Laws. AR Resources received my letter on XXXX XXXX, 2016, via US Mail Return Receipt and per conversation with XXXX XXXX, Supervisor within AR Resources agency, and they failed to provide me with any verification or validation of the alleged debt before applying this negative balance to my credit file on XXXX XXXX, 2016. AR Resources provided a copy of what appears to be an office generated bill, attached to this complaint, that I have no knowledge. I am requesting AR Resources to provide me with a copy of all " original " documents that were signed by me, XXXX XXXX, proving I received treatment or services on the alleged date and any documents that I promise to pay for any treatment or services. I also request proof of the assignment of this alleged debt to AR Resources. A copy of an alleged billing statement and no signed " original '' documents is not enough information for AR Resources to validate their claim nor enough information for me to open a personal investigation into this matter. AR Resources has not validated their claim and also has applied this balance to my credit file without proper validation or verification, after having full knowledge of my request. I am requesting and immediate expulsion of all negative reporting by AR Resources to all credit reporting agencies, because they are not in compliance with the FDCPA Laws and until they can provide valid proof I, XXXX XXXX, am the person in question.
I have  ChevronTechron Advantage Gas  Credit Card. My payment was due on  XXXX   XXXX ,  XXXX , which was a Sunda y ( non-business day )  as well as   XXXX   XXXX   XXXX  , a recognized  US Holiday . I logged into my account today  XXXX   XXXX ,  XXXX  to make my payment as this is the first business day after my due date. My account showed that I had a late fee. I chatted with a Customer Representative who was able to waive the fee however, he argued that payments are due on the due date with no exceptions and there is no grace period. I recited Sectio n 106 ( a ) ( 2 ) of the Credit Card Act of 2009 which states, ( 2 ) WEEKEND OR HOLIDAY DUE DATES.If the  payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor  may  not treat a payment received on the next business day as late for any purpose. He again stated that payments are due on their due dates regardless. My fee was waived, however, I feel that  Sychrony Bank who issues and manages the Chevron Techron credit card should be reminded of the federal guidelines which they must adhere to. Especially because they are, in a sense, a reflection of the Chevron Techron bra nd.
I filed an initial complaint on XX/XX/18, complaint # XXXX-XXXX with your organization, in which I disputed two payments GM financial reported as missed on my credit when payments were made. I received notice from CFPB that the company stated credit would be repaired and missing payments removed. They were removed and my credit was repaired on XX/XX/18. I considered the matter closed. Now on XX/XX/18 GM financial is now reporting XX/XX/2018 as a late payment and still reporting XX/XX/2018 as a missed payment when their response said that would be reversed.
US Bank charged my account {$15.00} for Withdrawal Charges on  XX/XX/2018. I asked them to refund the money to my Savings account but they refuse to do that. I never authorized any {$15.00} charge and asked them to stop withdrawals from that account but they said they can't do that. I'm being charged {$15.00} fees on transactions that are less than {$10.00} which doesn't make sense at all. I have two Pending transactions on XX/XX/2018 also on the same savings account they stated that I will be charged {$15.00} for each time. I told them I wanted to close my account and transfer the money to my checking account with them and they stated they are unable to close my account unless I go sit and wait at a branch location. The hours the bank are open aren't convenient at all and they are unwilling to assist me.
My husband I had a lease with XXXX XXXX back in XX/XX/XXXX. My husband passed away in XX/XX/XXXX. I called XXXX to report his passing. I paid off lease, closed account and opened a new lease account with my name only. XXXX XXXX contacted all 3 credit bureaus ( as I couldnt get my credit information as they showed me as being deceased with no access to credit ). XXXX  and XXXX   fixed the issue 2 years ago, and as to date Im still fighting Transunion as there report is still showing Im deceased. ( I pay for credit monitoring and check it frequently ). XXXX XXXX has told me its now out of their hands as they have over and over reported to Transunion that I have my own account and Im not deceased and I need to go through Transunion as they are not doing what they need to do on their end. Again month after month for over 2 years Ive been trying to resolve this issue with Transunion. I was told 2 months ago that this was taken care of and I would start seeing my scores again. I told Transunion I didnt want to make another phone call to them as again Ive been doing month after month for 2 years. I was reassured that I wouldnt have any other issue. I called back again 1 month later ( XX/XX/XXXX ) as still not resolved, then received a letter from Transunion stating deceased. After go round and round with XXXX ( who did change account status on their end ), Transunion ( still giving me run around with no satisfaction ), I have decided to make a complaint against Transunion, and hopefully get this resolved once and for all! 
Again, XXXX  and XXXX  fixes report 2 years ago. 

Thank you
The day after XXXX XXXX, I was told by Amerisave loan officer, XXXX XXXX, that they needed my credit card information to " lock my mortgage rate ''. He stated the amount that would be on hold would be {$440.00} for the appraisal. On XXXX I gave verbal instructions to XXXX over the phone that I did not want an appraisal ordered until after I did my personal inspection and negotiated some repairs with the seller. XXXX confirmed by emailing my agent on XXXX and notifying her that I wanted to hold off on the appraisal. I again reiterated my request to XXXX by email on XXXX. 
On XXXX XXXX, I received an email that I had been charged for the appraisal. XXXX told me that the realty agent told him to order the appraisal. I immediately disputed this as Amerisave was the custodian of my credit card information and I gave them clear instructions not to order an appraisal until I personally inspected the property. Amerisave acts as a middle man as the agent must order the appraisal from the appraisal mgmt company. No matter what they were told by a realty agent, my word as the borrower takes precedence, and Amerisave made a poor decision in overriding the borrower 's request by taking direction from a sales agent whose interest is to sell. Amerisave had no right to release my credit card information to the appraisal company at the direction of the realty agent which was against my specific direction. 
After some research online I have come across troubling complaints from other mortgage customers stating that it is a scam that Amerisave is conducting - they promise to " hold '' the credit card and then release that credit card information to their affiliate, XXXX Appraisal. I unfortunately did not come across this research prior to applying for a mortgage with them. 
It should also be noted that the CFPB ordered Amerisave to pay nearly {$20.00} XXXX in XXXX for " bait and switch '' practices related to their charges for appraisals and their affiliate XXXX Appraisal.
XXXX XXXX did n't provide the service when they visited my property at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. They generated false invoice asking me money to pay them. I disagreed and asked them to show me evidence of their work. I never agreed to pay them without performing the job. I also suggested them to go to court if they believe I owe them money. They contacted TEK collect ( collection company ) to get the money from me. TEK collect contacted me and I disputed with them. I asked them to have XXXX XXXX show their evidence ( pictures or witness or so ). TEK collect accepted their false invoice as evidence without any regard to investigate more and did n't want to agree to my dispute. I contacted their supervisor about it and reported my dispute. Even then they put my collection to XXXX. I contacted XXXX to dispute. XXXX suggested me to file complaint with FTC and provide them a report of my complaint. I have also attached my dispute with the supervisor at TEK Collect.
Since my children began paying back their student loans ( I am the borrower on a Parent Plus Loan ) we have had nothing but issue after issue with Navient. Every single month we 've had to call them to straighten out their messes. They misapply money from my daughter 's portion of the loans to my son 's and vice versa constantly even though they specifically request the loan numbers for the money to be applied to. They give us conflicting information about what information they can release and why or why they ca n't do certain things. I ca n't even request the notes that they 've put in my account without a subpoena according to them. This month my son 's money was applied to someone else 's account and then was told he had a huge late fee. Then they found the money but still demanded proof from XXXX. They NEVER process payments correctly. It 's maddening and, frankly, I believe it to be unethical and possibly illegal.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Bank of America, account number XXXX ; 2. ) Bank of America, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
I had a " XXXX Card '' over a decade ago. The account has been closed and inactive for over 10 years. There was no valid card issued in that time. There have been no statements received in that time until 2 months ago. Two months ago I received a statement through the postal mail from " Capital One XXXX Card. '' It showed a balance from charges made in another country. As far as I can recall I have never had a Capital One card but I recognized the " XXXX Card '' so I called to report the fraud. The individuals were less than helpful as they took my information and used it to setup another account and then transferred the balance to that account. No one could explain how an account that had been closed for over a decade and did not have a valid card attached could accumulate a charge. Instead they continued to ask for more information from me which is apparently being used to setup accounts. After I reported the fraud they sent another invoice with a new account number which still shows a balance and now has accumulated fees and interest. I have once again called. This time I was told they closed the account on XX/XX/18 but there is a balance still owed. They can see there was no card issued to the account but they claim the account was " inactive '' for a decade but not closed. Even though there was no card issued and no statements being sent they are claiming they left the account open for a decade. Even though there was no valid card issued to the account, no expiration date, no cvv code, somehow they are claiming that a charge was still made to a closed account and they continue to send me bills with accumulated late fees and interest.
XXXX is nothing but a rip off sham. They have been cheating me with {$20.00} a month interest only XXXX XXXX dollar balance regardless if I make a payment. OBVIOUS this can not be legal. This crytic flim flam billing is criminal to say the least. PLUS they deliberately do not answer the phones. Irrefutable they are conniving thieves being evasive and deceptive. THIS is a worthless store credit card. Countless complaints online same scam!!!!!
United Community Bank , Inc. ( UCBI ) took over XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had my mortgage payment on automatic payment from my account with XXXX XXXX. I have NEVER been late with a mortgage payment. On XX/XX/XXXX I received a threatening letter from UCBI saying my XX/XX/XXXX payment was past due and they may report me to Credit Bureaus ( caps used ). 

XXXX had withdrawn my payment from my account of XX/XX/XXXX. 

In addition to this letter, I received two letters from UCBI threatening to place forced flood insurance in one and forced hazard insurance in the other. Both letter said my insurance had expired. 

I checked with my insurance carrier, XXXX, and was told my food was in full force and due for renewal XX/XX/XXXX. The hazard was in full force and due for renewal XX/XX/XXXX. 

I feel UCBI sent these threatening letters rather than using XXXX XXXX XXXX 's records to change declaration page. They took over the bank and its records and customers, we didn't volunteer. 

I don't know if any law was broken ; however, they are not treating former XXXX XXXX XXXX XXXX customers well.
This is a complaint against XXXX XXXX card and take it home today. The original debt that was closed in 2013 was for {$3500.00}. I called to get a settlement for this account because Im trying to buy a home and this is a federal debt that had to be paid. When I called they told me because of interest and collection fees the debt is now {$8500.00} and that they only do settlements after XX/XX/XXXX because then everyone would call with settlement land from their tax money. They only way to pay the debt was in full the first so see I spoke with stated that even if I did a monthly payment of {$90.00} to pay off the debt I wouldnt pay it off in 100 years because the monthly interest is {$81.00} I was also told that I should ask my family for money if I wanted to pay off the debt. Then I was informed by the associate that they were a federally backed debt meaning even if it took them till I received Social Security eventually they would get their money so they had no reason to settle with me. Now because of this my family is losing out on an opportunity to buy a home and after 6 years of military service once more I get a slap in the face by the US government. My account number is XXXX my phone number isXXXX
This payment was settled with the hospital directly and Progressive Management Systems has not verified the collection. They have provided no contracts, signatures, or other documentation confirming the debt is verifiable.
My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.
I was n't able to keep up with payments on the loan ( paying full amount of money loaned to me plus {$55.00} interest bi-weekly ) and was in the process of filing bankruptcy. The loan company ran my check through which was returned non payment to them so they turned it in to the District Attorney 's office for worthless check. this check was for payment of a payday loan which should not be considered a criminal charge. I received a 10 day demand letter to pay the loan in Full {$350.00} plus {$25.00} NSF Charge plus {$120.00} statutory fee ( DA fee ) plus certification fee {$6.00} for a total of {$510.00} by DEMAND LETTER to be paid within 10 days of receipt of the letter. When the creditor submitted the application for the worthless check claim to the DA 's office they stated that they sent me a 10 day notice of payment demand via certified letter but I never received a notice from the creditor ( Island Financial ). The check should not be considered a criminal charge since it was a pay day loan and instead should be a civil charge. I have n't been given proper notice to pay the said debt with additional fees in a short period of time.
Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with Expeiran, XXXX and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Experian is the only one of the XXXX that gave me any issues. Experian recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Experian 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. The inquiries are : Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX These inquiries are lowering my credit score which is causing me financial hardship. I want them investigated and removed. 

My credit report number XXXX