WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX sold a XXXX year old debt to Asset Recover Associates, Inc in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX XXXX under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost XXXXyears old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my XXXX has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.
I contacted Capital One requesting they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter that states " my last payment amount '' and the " date the account was open, '' which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and the debt to be ceased.
I have contacted nationstar mortgage regarding mortgage documentation and they have advised me that XXXX can provide me with documentation related to my property and its mortgage. copies of the Corporation Assignment of Deed of Trust and the origination of the Deed of Trust and Promissory Note as well as the Assignment of Deed of Trust. I would like to see all documentation related to this property and its mortgage from XXXX through XXXX. Upon Contacting XXXX for this documentation, they are now referring me back to Nationstar mortgage
I was sold a predatory pay Option Arm Loan that I did not fully understand. I made my payment and the principal balance kept getting larger. Then the loan adjusted I could no longer afford the payment. I called my bank and all they said was to short sale or to do a deed in lieu of foreclosure. 
When I submitted a loan mod request I was given the run around then several months later only to be denied. 
I sought out legal counsel, only then to be told that I was given a trial payment plan with on other detail out than a payment amount and told we can not tell anything until all the trail payment are made, only then we will tell you what the final terms are. 
When I received the final terms I called XXXX and was told that this is what the Investor in willing to do. 
This is a continuation of their predatory lending behavior. Constructioning a modification over a XXXX year PERIOD still leaves a balloon payment of {$230000.00} after receiving $ ,XXXXWorkout OptionForgivenPrincipalForboNewTermNewPROPERTY 'S CURRENT MARKET VALUE : The Supplied Current Market Value Estimate for the subject property, provided by the Home Owner, Real Estate Agent, Appraiser or Financial Institution is {$420000.00}. Based only on this valuation and the supplied Current Unpaid PrincipalBalance of {$680000.00} the amount of equity estimated to be in the home is ( {$260000.00} ). ( This is not taking into account anyother subordinate financing. ) This qualify for a HAMP TIER 2 PAR
I sent up a renat a car through XXXX for XXXX. There was no cancellation penalty. They did not take my credit card. 
The XXXX folks at the desk wanted a bait and switch. At first I signed up, then rented for the original rate from XXXX and returned the papers and the keys to XXXX. 
They said that they would cancel the transaction. 

When my bill came, XXXX charged me for renting on XXXX XXXX ( when I was in XXXX ) & gt ; Citi claimed that they look into my complaint, but XXXX lied and said I booked through XXXX, The XXXX form did not have my credit card, nor my phone numbers, nor email address. Even though I showed Citi the XXXX screen shots Citi refused to consider my claim -- saying that they could process computer images which is nonsense since they used the screen shots form XXXX. I just want my money back from XXXX for a car that I never rented, on a day that I was not in XXXX!! 

Thanks
My credit card account was closed because of a typographical error when submitting a payment. Once I learned of the issue, I immediately remedied the situation before even attempting to use the card.

I tried to reopen the account and Capital One said I needed to wait 7-10 days. Its been a few months. Each time I call Im being told someone will call me. Nobody ever does.

I opened these accounts to rebuild my credit. They are destroying my credit. Ive sent a written request and Capital One has ignored my correspondence. I need help!!
I deposited a USPS money order last month into my Bank of America account and it was held for 9 days. It cleared eventually but I was charged service charges on items that automatically come out of my account based on this same check clearing every month in a timely manner. There was no reason to hold this money order when I told rep to check the past and see that I make this deposit every month. Nothing was done. I have been a customer of BOA for over 20 years. As a courtesy they should have released the deposit. 

bOA rep told me that the payer had put a hold on the check, this statement was not true. I have deposited the same check for over 3 years into my BOA acct, with no holds. 

I deposited another check yesterday I received, from a large MAJOR legitimate insurance company and BOA is holding this check, unnecessarily. I feel that this is obviously an unfair subjective practice based on race.
I was Contacted By XXXX XXXX XX/XX/2018 Then Again XX/XX/2018. Which I have no contract with nor have received service from, reported a collection account against my SSN. I did ask for validation for this debt and account and my signature that I signed anything and was told that they didnt have anything to validate. However, the business does not have a contract with me. They have not provide adequate proof I am not obligated to pay for alleged debt. I Have Tried disputing multiple times.
I already filed complaint # XXXX but need to add also complaint that original debtor refused to work with me when I called them. They said they no longer had an account # or any information on me and the collection agency they turned my account over to would not work with me either. So apparently someone sold the debt to another agency and now my credit report shows I owe XXXX different agencies XXXX different amounts for the same original debt. I was never even contacted by the XXXX agency in any manner. I had to go online to look up their name and phone number. I need to get this off my credit report. It has destroyed my credit.
I have contacted Experian regarding report # XXXX. Experian has removed all of the unauthorized inquiries except for XXXX : XXXX XXXX/XXXX/16, XXXX XXXX/XXXX/16, & XXXX XXXX XXXX XXXX/XXXX/16. 
Secondly the following account is not accurate : XXXX XXXX account # XXXX. In the comments section it states : Debt being paid through insurance. This item remained unchanged from our processing of your dispute in XXXX 2016. 
# 1 this XXXX XXXX account as I advised Experian should not be listed on my credit report. I only have an account with XXXX. XXXX, formerly known as XXXX XXXX. However, all of my Navient accounts are in good standing. The XXXX account listed on my credit report ( s ) includes this same account that is listed separately as a negative unpaid account. This is not true. This is not accurate. # 2 XXXX account # XXXX is listed on my credit report. I contacted Experian about this company as well. I do not have an account with XXXX, I only have an account with XXXX. And my XXXX account shows that. The annoying thing about this is that XXXX conducted an investigation and corrected this issue. Yet it remains on my Experian ... This makes no sense at all.
My car was paid off back in 2014 and I still havent recieved the title. I been told by finance xompany that they did it electronically but dmv keeps saying there is still line on it. I have to dmv 6 times already with no luck and finance company wont do anything about it.
I even lost track years later attempting to resolve this with Chase. I was supposed to be able to use points on my XXXX card on XXXX. That never happened. I erroneously blamed this on XXXX. Today I dug deeper and found that SOMEONE at Chase had entered false information into my points summary. " You've asked us to not share your points for CREDIT CARD ( ... XXXX ) with XXXX. '' This could not be further from the truth! Why call the number on the back of the card? I already called years ago! I should not be forced to be babysitting this issue.
I used the Equifax website to find out information about the current data breach with Equifax. After finding some information about the data breach I sent a message to Equifax to gain more information about the TrustedID program that was offered and what rights I would waive by entering into that agreement. That message was ignored by Equifax. I want more information on that program as well as other information on what Equifax is going to do to help protect my information due their negligence.
I wrote letters to Experian, XXXX, XXXX on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXX XXXX XXXX account was updated to non charge off however no information was ever provided to validate. 

I have been XXXX  for 10 of the past 15 years of my life and have had my identity used while being XXXX
My father XXXX XXXX took out a reverse mortgage in XX/XX/XXXX. In total he received approximately {$350000.00} for his home on XXXX XXXX XXXX, in XXXX XXXX, NJ XXXX. He passed on XX/XX/XXXX. The buyout is currently {$620000.00}. The loan was originally with XXXX and now is served by RMS. First off the amount of interest charges seems very excessive. Secondly, he was told that we would have at least one year after his death to either sell or refinance the home. RMS has aggressively been trying to force me out and have repeatedly threatened with foreclosure and legal action. My father has been deceased for less than three months. As a result of their tactics, I have been forced to obtain legal council on my own. My attorney XXXX XXXX, who specializes in real estate has told me she has never seen anything like this.
I am a home owner and I make my payment electronically every month without fail. I received an email on XX/XX/XXXX telling me that my lender is adding a {$3.00} fee for this type of payment. And the only way to avoid these payments will be to register for automatic payments from my account, or to pay by check. I have no interest in using automatic payments and think its very inappropriate for my lender to force me to do so. I will have to begin paying by check which is an outdated and slow process that can lead to late fees. Now I will have to write and mail a check BEFORE I get paid to ensure my payment is posted on time. 

If I was not paying attention, and many people don't, these fees would add up to more than {$1200.00} over the term of the loan. This kind of revenue stream is predatory in nature and is designed with only the bank in mind and complete disregard for the consumer. 

It's unfair and should not be allowed. I hope the CFPB hears from other homeowners and requires Caliber to reverse this policy immediately!
I requested my report from First Advantage Background Check on XX/XX/2018 because I'm a victim of ID theft. I was told that I would receive it in 7-10 business days. I was also given an order number XXXX. The report never came. 

I called again on XX/XX/2018 and gave the customer rep the order number. The she said that there was nothing in the system with that order number. I placed another request for my report, I was told that I would receive the report in 7-10 business days, I was also given a report ID XXXX. Again, nothing came after ten business days. 

The third time I called on XX/XX/2018 and gave the customer rep the report ID XXXX. The report ID was in the system and submitted anther request for another report to be sent out. I would receive in 7-10 business days. This time I also asked in case my report doesn't arrive, how can I submit my request in writing or fax. The customer rep either didn't understand or want to give me the information. It's over the ten business days and I still haven't received my consumer report.
I recently discovered that this company was reporting a collection with account number XXXX on my credit reports. For quick resolution, I contacted them and offered to pay the debt if they deleted it from my credit reports and they agreed. Now that I have paid the debt they are refusing to remove it!
check my credit score and history and it says i have multiple accounts open for cards and loans for cars i never have or seen. somebody has been usimg my information since XXXX and maybe longer. it says they open a loaned somewhere around XX/XX/XXXX. and that wasnt me. i just need help fixing this so i can really live my life
I applied for the Chase XXXX Mileage Plus Club card on or about XX/XX/XXXX. At that time, on the XXXX website, there was a published promotion for XXXX bonus miles to be awarded after certain conditions were met. I met those conditions, and never received my bonus miles. I contacted the Chase, on approximately XX/XX/XXXX ( exact date unknown ) who informed me that my offer did not include any bonus miles, but rather a waiver of the first year {$490.00} card fee. While speaking with the Chase representative, I returned to the XXXX website, and so that the offer of XXXX miles was still displayed as the promotional offer. However, when clicking through, the offer changed from XXXX bonus miles to the annual fee waiver. It was not made clear that the offer was being changed, and I had every reason to expect that the I would receive the bonus miles. 

When complaining to Chase about this discrepancy, the rep informed me that they could not do anything about this, and would forward my complaint to the marketing department. Several days later, I got a written letter from the marketing department, signed by XXXX XXXX, Customer Service Specialist, informing me that they would not honor the XXXX bonus mile offer. There was no contact information provided, and when I called back to Chase on XX/XX/XXXX, they told me that the decision was final and there was nothing that they would do. 

I feel that this is a clear bait and switch marketing tactic. They promised XXXX bonus miles in their lead offer, then without clear notation, changed the offer while clicking through the steps to apply. The XXXX bonus miles have a clear, and significant monetary value, and was the sole reason for my decision to apply for this card. There are many better options available for me ( including the XXXX Explorer card )  which I would definitely have chosen over this option had Chase not used their deceptive marketing tactics. I believe that this tactic was intentions, in an attempt to dive more business to their premium, high annual fee card. 

Since the time I made my initial complaint they have changed their offer ( it is marked as new in their website promotional displays ) to offer the same XXXX miles, but they do not change it to the annual fee waiver during the click through process. 

Please help me to encourage Chase to honor their promises made in their marketing campaign.
not applying payments and confiscating allegedly the cash and then demanding o f me to pay the payments in again in violation of uscfpb consumer regulations. and I am a XXXX veteran and these monies come from my VA us treasury XXXX pension. I am being defrauded by chase allegedly town my home. they denied me twice loan hamp modifications and the current loan is a loan modification I never applied for and has never been settled and I have no loan documents for.
I signed a promissory note and security agreement with XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX. My contractual payments were automatically withdrawn from my checking account. However it seems that my loan was transferred to Santander Consumer USA in XX/XX/XXXX. As far as I know the terms of my contract did not change, but automatic payments were unilaterally terminated without my notice ; which resulted in my car being repossessed by Santander Consumer USA on XX/XX/XXXX. 

I did not agree to have my payments terminated, nor did I ever agree to any terms with Santander. The reason I had automatic withdrawals set up was so I did not have to worry about my payments. At the same time it would not occur to me that payments were not being made. If the transfer to Santander had never happened I would not have defaulted on my loan and my car would not have been repossessed.
After turning in my loss mitigation application, Ocwen representatives provided me with inconsistent and inaccurate information about the status of the decision on my loss mitigation package. Before my loss mitigation application was denied, I spoke with an Ocwen representative who told me that they successfully received a purchase offer for my property - from my realtor - and had ordered an appraisal/XXXX in order to process a short sale on my property. My realtor confirmed that no such offer had been sent to Ocwen. Upon providing the Ocwen representative with this information via a conference call with my realtor, the Ocwen representative reversed their statement, agreeing with us that there was no offer and no appraisal had been ordered. Ocwen 's inaccurate information caused delays in my understanding of my loss mitigation options. Among many things, Regulation X, Section 1024.38 specifically requires servicers to maintain policies and procedures that are reasonably designed to ( 1 ) access and provide timely and accurate information and ( 2 ) properly evaluate loss mitigation applications. Ocwen demonstrated that they do not have policies or procedures to provide me with timely or accurate information about my loan during and after my loss mitigation application was denied, which leads me to believe they are in breach of Regulation X.
bought XXXX XXXX in XXXX. loan is thru Chrysler capital and serviced by bank santander. 
they changed accepting payments with my credit card in XXXX and now accept ach payments. 
can not use their web site to schedule payment or payments after repeated calls to them. 
they will get back to me and never do. last spoke to supervisor XXXX on XXXX and we agreed on XXXX hours to get back to me. never heard from him. I have payment due on the XXXX of the month and have to remember on the XXXX to call them to authorize by phone. this is unacceptable to me and feel they want me to pay the loan off due to the XXXX % rate. can not plan in advance, they make it difficult so that I give up. that ai n't gon na happen!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not receive proof of the dispute investigation from Experian ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
I processed two payments through outside merchants. One in the amount of {$220.00} with XXXX XXXX and one in the amount of {$72.00} with XXXX XXXX. These payments were processed via my checking account online through their websites. The payments processed twice in error. I was not aware that the payments processed twice until they posted to my checking account on XX/XX/2018. I contacted my bank USAA and advised of the error and they opened a dispute. The first representative I spoke with told me in 2-3 business days they would submit the dispute through the merchants and I should show a credit for these on my account. No credit posted. I contacted them back and spoke with a team member in disputes who then told me that there is no guarantee that my account would be credited and if the merchant does not agree then they will not credit me my funds. I spoke with the merchants who are advising they can not reverse the payments and that I need to dispute through my bank. My bank tells me they also can not stop payment or reverse the payments because they have already posted on the account. I explained to them that if we are unaware that a double payment processed then we can not dispute prior to the check posting. We don't see pending checks. They don't show until posted. USAA refused to assist with reversing the incorrectly posted payments and advised that I would just have to wait and see if my funds are reversed by the merchants. I already know they will not be because the merchants advised me of such and now I am out {$300.00} that was supposed to go to my Childs daycare this week. Now I have incurred late charges. My husband and I have been with USAA for over 5+ years with our checking/savings and credit card account. I am very dissatisfied and disgusted at what is happening right now.
American express/serve allowed my account to be hack because they had a security breach on there web site and are refusing to return the money
On XX/XX/XXXX, I finally got an email with a link to sign up for a free 1 year of credit monitoring ( XXXX XXXX XXXX  XXXX ). Unfortunately, I am unable to login to my account. My password is not valid. I could not reset. I wanted to freeze my credit report with Equifax. But access to website, and toll-free calls to Equifax have not been helpful. They indicate company is overwhelmed with many requests to do anything to freeze, signup for their TrustedID service, reset passwords, or even request a free credit report. Each day I try to call or go on the internet to contact them is fruitless.