WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold, I should not owe the full amount. After the vehicle was repossessed, I did not receive any notices. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 
2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
XXXX XXXX sent someone to drive by my home, man started taken pictures and asked me if he could come in my house. Told him no he wanted me to call his boss.XXXX  XXXX. I have no idea who these people are, I have never done business with them. I'm a XXXX XXXX yr old man, and my finance is a XXXX vet widow.Want these people stop coming to my home. They call me at least XXXX times per day. I called his boss he immediately a knew all kinds of information about me. Told me he was bill collector after he asked me bunch of questions then said he was going to record phone call, I immediately hung up.
They refuse, on a recorded line, to speak with me in regards to my account. The manager XXXX hung up on me several times. They do not state the mini miranda, unless you become a problem. They disclosed 3 rd party information, did not mirandize, and refuse to answer my questions in regards to this delinquent debt. The account was placed on the credit as opened on XX/XX/XXXX when in actuality it's from XXXX. Direct FDCPA violations. The supervisor hung up on me over 5 times and blamed it on her " headset being dead. '' Very rude, unprofessional. Already sent certified mail requesting proof, never got it. I plan to file suit if this case is not dropped. This company is operating outside the lines of the FDCPA laws.
I sent a certified letter to Ad Astra on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. all they sent was a printout of a online statement that had no signature By law, Ad Astra did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time
I receive letters at about 2-3 years home from XXXX stating I had applied for a credit card with them I called them and inform them that I never applied for a credit card with them and to please noted on the system and do not accept any applications for credit cards with them because I had no plans of applying for a credit card with them about a year later I receive another letter trying to verify information concerning another credit card I had applied for I called them again they did n't accept the credit card but nothing ever done them they when ahead and reported to Trans Union that I had applied for a credit card adding 2 hard hits to my credit score, I called them on XXXX/XXXX/XXXX and was told they had already taken care if but I looked at my credit score and the 2 hard hits still there I want to officially file a formal complain agains XXXX and request that they have the 2 hard hits remove from my credit score, XXXX XXXX, XXXX
I contacted Navient back in XXXX XXXX 2015 to get foreberance because I am in school in XXXX. I paid the XXXX bucks. Now two months later I get a debt collector stating im two months behind. I called them and was told payment didnt go through. I asked them to tell me the account information. The person had entered it incorrectly. Because of their error im now behind and its affecting my credit. I live XXXX and I put email correspondence. My family said they recieved no letter. The manager told me its not their fault and even though they made the mistake its my responsibility to make sure payment was taking so its still my fault and I must pay.
I collection balance was added to my credit report with failure to notify me of the balance of {$200.00}. When I contacted Optum Outcomes INC, they verified a telephone number of XXXX that I have not had in three years and an address of XXXX XXXX XXXX XXXX XXXX, WI that I have not lived at three years. I insisted on speaking with a collection department supervisor. XXXX ( supervisor ) got on the phone and instantly started to ask for payment. I informed her that I was not aware of the balance and had full medical coverage throughout that time. XXXX did not want to listen to my concerns or issue with the failure to notify, and continued to insist on payment. 

I was not properly made aware of this balance. The medical college billing department confirmed that they had outdated mailing and telephone information. Then they also did confirm that they were receiving returned mail, so I dont know why the collection company said that they were not receiving returned mail. I even called that phone number with the collection rep on the line, and it said right there, it is not a working number.
I have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XXXX XXXX, XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XXXX to XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.
Teletrack is listing XXXX inquiries well over the allowed 2 year period. XXXX is still there after almost 4 years, XXXX around 3 years old and XXXX nearing 25 months old. This is against FCRA.
on XXXX/XXXX/XXXX I attended a workshop where I got information about the NACA program on XXXX/XXXX/XXXX I got my first appoitment with a loan officer and she pulled my credit report that I paid. at that time I sent her a completed loan application with my incometaxes for XXXX & XXXX with paystubs, bank statement, purchase contract, prelim rpt and authorization for naca to process my loan.and now nobody is responding to my emails. So in XXXX XXXX Seller told me that a real estate agent is involved and going to help but NACA employee are relutant to provide information about the loan to him. Up to this moment I have not been provided with a good faith estimate or any loan info
I did not receive a notification from my student loan servicer ( NAVIENT ) re : needing to renew my XXXX status. After I discovered it had lapsed two months later ( Navient sent me a notice that they had capitalized the interest, but it took XXXX inquiries and over a month for them to respond to me as to what had happened ), I refiled all the paperwork ( XX/XX/XXXX ) and checked with the loan provider XX/XX/XXXX to ensure everything was in order ( Navient confirmed that it was ). On XXXX/XXXX/16, I received a notice that my proof-of-income paperwork did not indicate the pay frequency ( it did, and they previously confirmed this ) and asked me to resubmit. When I logged into the " old '' version of their website ( they recently updated their website, which does not provide all the important options ), I saw that they somehow had no record of me submitting any documents to them ( despite the fact that I had, they had confirmed it, and the recent email said I had submitted documentation [ albeit insufficient ] ). So now I have been in a standard repayment plan -- - rather than my XXXX -- - for over 4 months because of their failure to notify me of the need to renew and errors on their end.
On XX/XX/2018 I was ordering online a mattress pad from XXXX 's online when a pop up asked if I wanted to apply for a XXXX 's card. I had unlocked my credit to apply for a XXXX 's ( which went smoothly ) and a XXXX  's card from XX/XX/2018 to XX/XX/2018 to do so.I was told by XXXX that it would be good to place a fraud alert since I was removing my credit freeze for 3 months. So I said that would be fine even tho I have never had any fraud. I applied for the XXXX 's on the pop up on XX/XX/2018. I could not see anywhere on the pop up that the application had gone in. On XX/XX/2018 I called the XXXX, s number and asked if they had received the online application. The representative said just give me your information and I will put it in and they will contact you. I then received a letter from XXXX, s XX/XX/2018 saying declined unable to verify identity information. They had used XXXX. On XX/XX/2018 a letter from XXXX, s again saying declined because I was recently declined.They had used XXXX. I called XXXX  's to explain the above situation of 2 applications. The representative had no answer for me on what to do. On XX/XX/2018 I received a 3rd letter from XXXX 's saying I was declined because unable to verify credit reference due to security alert. ( which XXXX  had recommended ) and they had used XXXX. I called XXXX  for my credit report and it was fine.They had no answers for me. I would like to know why I could not get a supervisor at XXXX 's or XXXX  to look into this and help the consumer ( me ) .I understand XXXX  's is not obligated to issue credit to anyone.This is however a very frustrating to me since I trusted both XXXX and XXXX , s.
I have disputed the student loan accounts XXXX/XXXX  XXXX, XXXX  XXXX, XXXX  XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal XXXX XXXX,
The collection agency Harris based in XXXX claims that I have an outstanding balance of XXXX dollars to XXXX XXXX XXXX. I called XXXX XXXX XXXX and there is no balance on my account. I had paid the amount in XXXX  2017
XX/XX/XXXX my balance at Discover Student Loans was roughly $ XXXX. Since then I have paid about $ XXXX in total payments ; $ XXXX towards interest and $ XXXX to principal. XX/XX/XXXX my pay off balance is roughly $ XXXX, not sure how $ XXXX of payments resulted in only $ XXXX reduction of the total balance. I have taken every action to help me lower all expenses and maximize my income, but still struggle to pay the min. monthly payment of {$850.00}. Other loan servicers like XXXX XXXX and XXXX have helped me lower my interest to help me with my overall balance. XXXX XXXX provided rate reduction programs which brought my interest from 11 % to 3-4 %, but Discover claims they are legally obligated to not change the terms on my loans? As an XXXX-XXXX yr old I was told after 24 payments I could have my co-signer released from my loans, but now Discover is claiming after 24 months I can " apply '' to have my co-signer released. I continued to do my best to not default on these loans, because I was hoping I could have my co-signer released from this loan so that when I went to a 3rd party for consolidation we would get approved. In efforts to not default I have had to put a lot of expenses on credit cards. Doing this has caused my credit score to drop because of high utilization rates ; this hinders me from being approved for loan consolidations. I have applied for consolidation through various different banks and credit unions ( before high revolving credit issue ) but was turned down because " loan amount is too close to principal amount. '' How I am supposed to go to a 3rd party, as Discover is so willing to suggest, if I wo n't get approved? My co-signer makes about $ XXXX a yr and with this original Discover Student Loans balance on their credit it is unlikely we get approved for another $ XXXX loan. I need help in understanding how Discover is allocating my payments? At this rate I do not feel as if my loans will be paid off in the term. I would like Discover to help me reduce interest rates for a short time to help me lower principal so I can qualify for a 3rd party loan consolidation.
In XXXX of XXXX I was notified of a " late payment '' on my American Airlines Barclays MasterCard. This card is typically a dormant card and has had XXXX to little use. The card had a {$12.00} Equifax charge which I disputed, then tried to pay online in XXXX, which then turned into a late payment in XXXX and accrued fees that I was not aware of due to their system not working for my payment. I tried to pay the account in full in mid XXXX but received multiple error messages on their website while making the payment. In early XXXX XXXX then paid again for the total amount due including bogus late fees and monthly service fees. In XXXX I spoke to a XXXX who stated they would remove all late fees and the reporting of Late Payment to the credit companies due to error. 

In XXXX or XXXX I checked my report again and the late payment was still there. I disputed with the credit bureaus and got a letter from the company stating their reporting was accurate. Even though their system did not work when I made payment and called several times to make arrangements. 

I 'm trying to get a mortgage right now, and this has lowered my score by XXXX points on two of the reports that have the late fee. I 'm at XXXX on XXXX and XXXX on the XXXX others, which disqualifies me from the mortgage for me and my family. XXXX all over {$12.00} in dispute ) This is truly unfair treatment as I have excellent credit otherwise and ca n't believe I 'm being disqualified on my new home over an item I thought I had cleared up. Please help me resolve this and get it off my report so me and my family can move into a home.
My account was charged several overdraft fees totaling {$260.00}. My begining balance started at {$100.00} with a transactions totaling {$110.00} which is a difference of {$11.00}. I had an ending balance of {$42.00} and was then charged the first Overdraft fee of {$100.00} that the bank then deducted the {$42.00} from my available balance and applied it to the overdraft and left the overdraft fee at & XXXX. I contacted the bank regarding my concerns and was promised a credit back of {$36.00}. This is basic math only on overdraft fee should have been applied to the account. The fees are not stated line by line only the dollar amount therefore I dont even know what they are actually charging for. This is the second time this has happens with this bank.
I disputed the collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2013 {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX And after getting the run around and having the collection agency attempt to violate HIPPA laws by telling me that this collection is from my primary care doctor. XXXX XXXX XXXX sent a letter only saying the amount of the debt owed no further explanation. The amount on the validation was different than the amount being reported. I tracked down the original creditor XXXX XXXX XXXX XXXX   XXXX XXXX after filing a complaint with the CFPB and the original creditor has no record of me owing a debt I was then referred to XXXX  XXXX XXXX who also has no record or information on the debt. Experian states that the debt is verified as accurate however this is inaccurate information if the debt can not be validated.
I just received a notice for a debt collection for credit card for XXXX XXXX, formerly XXXX ( per company rep ) for {$3300.00}. When I called the company about the notice, I was told the account was opened on XX/XX/XXXX and the last payment was made on XX/XX/XXXX. 

I checked my credit reports and this account has never been reported or have I received notice. In addition, this " account '' is over XXXX years old. Per California law, the statue of limitations is 4 years. This exceeds the statue of limitations and is not collectible.
On XX/XX/2018, I was visiting family in XXXX XXXX XXXX and went to a Chase ATM at XXXX XXXX, XXXX XXXX, NY XXXX. I was accompanied by my boyfriend and cousin. I attempted to deposit {$680.00} in cash at the ATM, but was given an error response and told to contact Chase immediately to resolve the issue. I called the number provided and spoke to a customer claim representative about my problem and gave her all of the details. I was told that it would be taken care of and was emailed an update regarding a " temporary credit '' while Chase investigated my claim. 

I received a letter from Chase on XX/XX/2018 that my claim was denied and the " temporary credit '' will be reversed. I called the Claim department at Chase to understand why my claim has been denied and how I can get my {$680.00} back. That money is an entire month 's worth of rent for me. The representative was unhelpful and informed me that the Claim department 's investigation allegedly showed that the ATM didn't have the money that I deposited. I asked about any steps I could take to resolve the issue or appeal the decision, but the representative was not forthcoming.
I was unemployed for three months and asked for a payment reduction so I would not fall behind. The XXXX XXXX/Navient Rep said they would not help me even a little with any sort of reduction in payment. They ENCOURAGED me to file Bankruptcy so I could get rid of my other debt in order to be able to make my full payments to them ( since they know their loan is not dischargeable ). This is a " XXXX '' loan, but apparently not able to be consolidated because it is " XXXX ''. They also made me pay {$150.00} for each XXXX XXXX loan I have with them ( {$450.00} every six months to defer the payments when I XXXX got out of XXXX in 2006 and could not find a job ). All of my other loan companies deferred without payment. My other loans were all able to be consolidated as well. After encouraging me to file bankruptcy, they have called me around XXXX times per day ( even after I would talk to them ), called my mother and father and sister and have been asking everyone where my new job is. It is unbelievable they are allowed to treat people this way- and now they want to harass me at my new job?!? So I can get embarrassed and XXXX after looking for this job for over a XXXX and a XXXX?!? No other loan company does this and everyone else worked with me for the few months I was out of work. I went from perfect credit and XXXX missed payments to the worst credit ever in three months. They made me want to XXXX myself because of the way they treat me- purposely calling me all day so I can not talk on my phone and encouraging me to ruin myself financially so they can get paid more quickly. Going to graduate school with XXXX XXXX loans is the biggest regret of my life. They are called " student loans '' and they reap all the benefits of not being XXXX, but they will not allow me to consolidate them or defer or forebear them?!? All of my other loans are consolidated and the companies do not harass me like Navient/XXXX XXXX.
I obtained a account about a year ago ... ... ..I have paid over {$1500.00} on a {$2600.00} account .... They still say that I owe XXXX XXXX and XXXX XXXX, {$5200.00}!!! I am XXXX years old and did not understand that this usury interest rate is over 500 % The account number is XXXX.
SunTrust has now processed XXXX checks from a business located in XXXX through my personal checking account in XXXX Florida. They were made aware of the situation in XXXX and did nothing to protect my account. It happened again in XXXX ( twice within a couple of days ). No one can say what happened as the source of the error. They supposedly put a block on my account for any checks greater than the # XXXX but that did not prevent the situation from happening a XXXX time last Saturday. Their comments have included well the other account number is similar to yours and we can not tell when or where this transaction took place. Someone was supposed to have called me yesterday with an update regarding the safety of my account and I received NO phone call with regards to the ongoing negligence of SunTrust. Since no one can pinpoint what the problem is or why it keeps happening clearly my money is not safe with SunTrust. I have been a customer with them for over 18 years and now this. There is no way checks from the same company should continue to be processed through my personal account. Luckily I do not live paycheck to paycheck as the amounts of the checks approximately {$880.00}, {$470.00}, {$650.00} and {$740.00} could have been a huge problem for me. This could have caused a huge burden for me financially and SunTrust has not interest in researching the issue to prevent this from ever happening again. Not to mention they charged me a stop payment fee for a check that was not mine that they processed through my account. Something very wrong is going on at SunTrust.