WillisBack/dataset-financial-user-claim huggingface dataset:
To my surprise I received a collections letter in the mail dated XXXX XXXX, XXXX indicating that my account was past due. My records indicate my last auto loan payment with Capital One was on XXXX XXXX. Account due date is the XXXX of every month. I did not understand why I did not make the XXXX payment. I thought it was my oversight. I called Capital One on XXXX XXXX to become current and made the XXXX and XXXX payments {$310.00} for each month for a total of {$630.00}. I asked the customer service agent to check if I was getting paperless statements and she said yes. I was shocked because I do n't go paperless for this exact reason- I forget when the bills are due. She indicated " I '' switched to paperless on XXXX XXXX, XXXX. I told her I did not because the last time I went to pay was on XX/XX/XXXX. I only access my account once a month. I asked her to change my preferences to mail. I decided to check my e-mail and was surprised to find an unread XXXX XXXX e-mail from Capital One with the following headline : " Auto Finance statements are migrating to online only. '' It states, " we 're on a mission to deliver the best digital solutions for managing your finance account. As part of this journey, we 're moving to paperless-only statements for your account starting XXXX XXXX, XXXX. It explains how paperless statements work and then states " If you 'd like to continue to receive your auto finance statements in the mail, you can manage your statement preferences at any time. '' It provides a link. Well, Capital One changed my statement preferences without my consent and thought that e-mail notification was sufficient. Do n't you have to opt-in to go paperless? Did they forget my rights under the E-Sign Act? I never consented to the change and now my account is past due and probably being reported to the credit bureaus as delinquent. I can only imagine how this change has impacted thousands of other consumers who rely on their paper statement to make timely payments and Cap One is benefiting from the late fee revenue. I am writing to the CFPB to determine if Cap One has violated my rights under the E-Sign Act and if they have not to question the impact of this business practice because it is definitely not consumer friendly. Some consumers like paperless and some of us do not but it should be my decision not the bank. I 've been a customer since XX/XX/XXXX and always had my statements mailed per my choice and now they are going to remove that choice and the tell me if I want to go back to paper just change my preferences. Is this ridiculous or what. I am angry and amazed that management at Capital One would approve this change.
Portfolio Recovery is still hounding me about a XXXX XXXX REward Zone MasterCard account. The account was mine, HOWEVER, I had full coverage of payment protection plan for that account and completed the application for total dismissal of the entire debt due to illness and XXXX. I carried that insurnace on all of my credit cards, XXXX of which were XXXX at the time. I was working, contracted XXXX, became too ill to work and was put on total XXXX. I was found to be XXXX by the social security administration besides my XXXX doctors and you do n't get that unless you are nearly on your death bed, which I was. XXXX should have never sold my accounts as collections. They had all the information through the insurance company. This was from XX/XX/XXXX to XX/XX/XXXX even into XX/XX/XXXX by the time i took the year long XXXX. Although cured, I remain XXXX. XXXX and their insurance company kept losing my information, had my accounts a mess and none of the accounts should have ever gone into collection. I have suffered a great deal over all of this. I have told this to Portfolio Recovery numerous times over the past years. They could look at a statement of mine and see that I paid for the payment protection plan every month. They are now showing a balance of {$1500.00} on my credit report AGAIN. This has caused a great drop in my credit score. I am not denying the account I am disputing any balance whatsoever. Due to being a victim of XXXX presidentially declared disasters in XX/XX/XXXX, XXXX and XXXX ( FEMA disasters ) XXXX XXXX and XXXX XXXX from the floods in Texas, I have lost my home and any paperwork and documentation. My home is still unihabitable and there is no way to prove any of this as it is so old anyway. Portfolio Recovery already has a classaction lawsuit for their behaviors and I believe the CFPB filed a complaint. I received a postcard to complete in order to join the lawsuit so this type of behavior from them should not be surprising. I want this removed from all credit bureaus and any credit card companies that show credit scores. I will not deal with them on this type of level again and am not opting to join the class action suit so that I may pursue this myself if need be. This has kept me from being able to get a home repair loan so that I can live in my home again. I have lost everything except some clothing and a few odds and ends and my vehicle. Starting over at XXXX years old on very little income and being XXXX where I ca n't do much of the physical work myself is a nightmare. Thank goodness I was able to supplement my income a bit with online income but I am still in the low income bracket. They need to leave me alone, please.
I WAS NOTIFIED BY XXXX XXXX THAT MIDWEST RECOVERY PUT XXXX IN COLLECTION ( RECYCLED COLLECTION 3RD PARTY ) FROM XX/XX/XXXXTHIS WAS CANCELLED BY THE STATE OF WISCONSIN BACK IN XX/XX/XXXXTHIS COMPANY WAS A PAY DAY LOAN THAT OVERCHARDEG HIGH INTEREST, IT WAS REMOVED FROM MY CREDIT REPORT, NOW IT WAS OPEN AGAIN ... ..FOR XXXX DOLLARS THIS COLLECTION AGENGY FAILED AND BROKE WISCONSIN AND FEDERAL LAW I THINK -- -- 1 THEY FAILED TO CONTACT ME BY MAIL WISCONSIN LAW CH 427 WISC STATS 30 DAYS MY RIGHTS THAT I HAVE ALSO ENFORCING PAY DAY LOANS IS NOT LEGAL IN WISCONSIN ... ... THAT ALSO INCLUDES WITH FEDERAL LAW THAT THEY FAILED TO CONTACT IN WRITING, THIS IS CAUSED MY CREDIT SCORE TO GO DOWN BY 40 POINTS, I AGAIN THIS DEBT WAS TAKING CARE OF BACK IN XX/XX/XXXX ... LOOKING ON THE LAW THE VIOLATED THE FAIR CREDIT ACT USC 1681 SUBJECT TO XXXX DOLLAR FINE I WANT THIS REMOVED RIGHT AWAY, AND NOTICE TO THE CREDIT BUREAU
My husband and I have a home with Nationstar Mortgage. We filed our Homestead Exemption with our XXXX county tax office here in XXXX XXXX, Tx. they owe us refund checks from our escrow account for the years of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have called them multiple times and still have n't gotten any answers. They owe us about {$10000.00} if not more for our over paid taxes. My husband has a XXXX with the XXXX XXXX. They are not following the rules for our veterans with the tax exemptions. We filed form XXXX and form XXXX. None of our veteran friends have this problem with their homes and mortgage companies. I keep all our paperwork from Nationstar Mortgage and they still pretend like they do n't owe us an money. I will still seek out help until these issues are taken care of. also i will start to record all conversations with all representatives from now on.
I applied for a credit card with Capital One. I was told I needed to submit more information before the account can be opened. I never followed up on this card and decided I did n't want the card. About a year later I get a statement with {$0.00} balance. I was confused because I never followed up with the information they requested on the initial application. I called and requested this account to be closed, I was told they could not close it until I provided the information requested to open the account.
Loan is seriously overdue and approaching foreclosure. I think this was predatory lending and loan has been sold to XXXX companies. I have repeated ask for sale in lue, short sale, and other options because I have problems paying mortgage since I moved away during a military move and I have recently divorced. The Mortgage also has PMI insurance. The company has stated that they could not attempt to modify the loan before because I needed to show a good payment history. I have not been able to maintain a good payment history and that is a part of the problem. I am currently XXXX to XXXX as a XXXX and really need help keeping this loan our of foreclosure.
This company collects on XXXX XXXX loans such as Auto and Credit cards and XXXX XXXX mortgage loans mainly. The Collectors use abusive language to collect from there customers. The collectors and company do not follow the FDCPA guidelines on there calls and letter campaigns. They do not have proper training and rules. 

They have a lot of quality and compliance issues and keep those employees that are known violators employed and unpunished. They need to get it together.
Our mortgage was sold to PNC Bank, who then, without notice, raised our mortgage payment for no reason. There was no notice sent to us aside from the bank sending payment coupons with the wrong payment amount on them. Luckily, this amount is an amount we can pay, but it is wrong and illegal to change a contracted payment amount without any notice or explanation from the bank. The bank has since backtracked and said we can pay the old amount, but still this is either extreme incompetence or something worse.
I sent funds to a relative phone number via Google Wallet, and it did n't go through, I shortly received a message from Google Wallet indicating that " that they canceled the transaction because of unusual account activity. {$300.00} has been refunded to your XXXX. It may take a few days for the refund to show up on your account transaction history. '' however, after several inquiries to Google Wallet, I have not had the funds returned to my account ( Please see contact records ).
I attempted to reach out to Bridgecrest and they informed that they were not able to locate and account with my SSN so why is it right that they are able to put a derogatory mark on my credit?
I have been receiving harassing phone calls from XXXX XXXX XXXX XXXX in connection with US Bank. I have been unable to pay for the last three months and unable to bring my account to a place where I am able to get a two month deferment. I have explained to the company ( most of the calls are coming from US Bank ) several times that I am unable to pay currently because I am studying for my XXXX exam at the end of XXXX. I have requested them to cease calling until that date but still receive several calls per day and upwards of 10 calls per week. They have also been calling my mother without authorization, and have they been explicitly told to not call her from myself and my mom. Additionally they have removed some of the little money I have to live off of from my account with US Bank without authorization in the amount of approximately {$100.00}. I understand that a debt is owed, but have explained the situation that I will be unable to pay until late XXXX. I understand this type of repetitious calls to be a violation of the Fair Debt Collections Practices Act and would like resolution solely in the form of cessation of calls from the companies.
I had an overdrawn account at XXXX XXXX XXXX. Due to a long hospitalization from a XXXX, my account went over. I was able to pay the overdraft amount including penalties totaling {$170.00}. Now in order to open another account I have to wait 7 years or pay Chexsystems {$380.00}. I think this is unfair. I paid the overdraft amount plus all fees. And now I have to pay double just to open a bank account.
This company is not removing a negative credit inquiry from my credit reports. The account & delinquency is from 2004. Instead they keep changing the date as to when the account was open to keep it on the report longer. I 've asked for them to verify debt information and dates and they refuse to provide the information.
I believe I got discriminated against and taken advantage of because I am XXXX. Back when I took out this home equity loan, I was not explained the terms. The loan officer lied and mislead me to think this was a regular loan. When in fact over 8 years of paying it have paid XXXX and the equity line has gone down XXXX? How is this legal. The loan officer never one explained how the interest was going to be so high and never go down. I believe because I was XXXX, young and naive, she lied and took advantage of me. I have called the bank on more than one occasion to try and resolve and they have done nothing. Please help me. Look at this statement and tell me how they can take all my money and apply it to interest. How is this legal. The loan office never told me this would happen and that I would never pay it off in my life time.
I ordered XXXX bras and XXXX pair of XXXX boots from XXXX online, using JCPENNEY credit card. This was the end of XXXX 2016. I received the XXXX bras, but the boots were not delivered. Shipping receipt said OUT code XXXX. I drove to local penneys, they had boots in stock similar, so I purchase them. Emailed XXXX via secure email on my XXXX account that I had purchased another pair, please credit me for the online order not received. I have sent XXXX emails, called twice, Faxed twice, Called XXXX reported to them. Still being charged for online order that I did n't received. They all say they can not tell what I order or what I received even with the shipping receipt. They have now place a derogatory remark on my credit for something I 've been billed for but never received. Now, plus the charge, there is interest and late fees.
RE : Unauthorized credit inquiry While checking my personal credit report, which I acquired from Equifax noticed several inquiries made by XXXX XXXX. ( XXXX XXXX, XXXX XXXX and XXXX XXXX 2016 ) I have not authorized anyone to make an inquiry Therefore, I request that you remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. This was an attempt to obtain services fraudulently. I have a credit alert attached to my file and was not notified Sincerely, XXXX XXXX SS # XXXX
ON Friday, XXXX, XXXX, XXXX, my son, a friend, and I received a call/message from XXXX XXXX, and investigator for XXXX '' saying he was scheduled to come out and serve me a summons on Monday the XXXX at my house or place of employment. I could avoid this action by calling the petitioner, and gave an XXXX number. Said if I did not call that day, they would place a body attachment on me for contempt. This exact information was repeated on all three calls or message. 
I called the XXXX number ( XXXX XXXX XXXX ) and the lady informed me it was in regard to a payday loan from XXXX ( I paid this loan off ). She said she needed a receipt, but would " stop the paperwork '' to have me arrested on check fraud and attempting to defraud a financial institution. I consulted an attorney, checked my credit report, and checked with my sheriff - no record of any money owing to this place or charges pending. I called back to get an address and was placed on a lengthy hold after being asked why I needed it ( I said I needed to mail something to them ). They finally gave me an address, and it is the same address of another company, XXXX XXXX XXXX XXXX, that attempted this same thing with me in XXXX. At that time, a collection had been placed on my credit file, which I disputed and proved payment, and it has been removed from my credit report. I filed a complaint at that time on that company as well. 
Since the debt has been paid and the company issuing the loan has since closed, I feel sure this is a scam, and the company has violated laws with their threats and sharing of information to other persons who are not me.
Hello, Equifax was hacked and did not notify me of the breach until a month later. In a month 's time, an individual with my SSN, and other personal information may have stolen my identity.
I do not understand why they were not fully transparent with this situation. It was reported that this breach may impact me. I would have like to have known way sooner.
I have received numerous calls from ( XXXX ) XXXX attempting to collect a debt I do not owe. The alleged debt is over 16 years old. The most recent caller claims to be XXXX XXXX calling about a " case '' that has been placed with their " legal division '' about a " petition for judgment '' that has been " filed against me '' and they will be processing through XXXX County Courts. XXXX XXXX then goes on to say it would be in my best interest to call him immediately and left a number of XXXX ext XXXX with a " case number '' of XXXX. XXXX XXXX also called my husband and left the same message implying that I had been or am being sued and a judgment has been or will be obtained against me. I have heard from family members and friends that they have received similar phone calls as well. I have explained to other callers from this number that I do not owe the debt that they are trying to collect but they insist on continuing to call me. When I do not answer the phone then they randomly call a member of my family or friend to call and leave the disturbing message. This clearly rises to the level of harassment. Further, I believe it is a clear violation of the Fair Debt Collection Practices to insinuate a legal action has occurred or will occur when it has not and they have no intention ( because they can not ) bring a legal action against me. Likewise, I believe it is a violation to insinuate there is a judgment against me when there is not. Please contact this company so that they will cease contacting me and other consumers in this manner.
XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX  has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
I deposited {$15000.00} and was told I would get {$400.00} in interest. The bank, instead, and without disclosure, subtracted fees. They have not credited my account with {$400.00} and they refuse to return my money.
I was late on a child support payment in 1999. It is still being reported on my Trans Union credit report even though the " STATUTE OF LIMITATIONS '' is over. This should have been removed from my credit report nine years ago!. I have asked via mail that it be removed and they came back with a letter stating they had verified it's accuracy. Yes, it was accurate. However, it is a clear violation of the 7-10 year statute of eliminations.
Ocwen mortgage company took over financing my house from GMAC. Immediately they claimed I hadn't enough insurance. Next they were taken my insurance payments from my mortgage but didn't pay the insurance that was due to XXXX. They claim they couldn't reach them. They allowed my insurance to lapse by not paying XXXX although they had collected the money with my mortgage payment. Next they were trying to strong arm me to accept another insurance company at a much higher rate. Once I found out they purposefully lapsed my insurance I inquired why they hadn't simply paid XXXX insurance. I had never paid XXXX directly since I bought the house. Now my insurance doubled from {$1400.00} a month to {$3200.00} a month. All because they just decided not to pay XXXX. Every month now I have to pay more. This company is totally aggressive in hurting homeowners. Can they be held responsible for causing my insurance to double? Plus they continue to make me pay over my contractual agreement month after month ... My principal had hardly decreased since they took over my mortgage. They are responsible for my insurance lapsing. Can they be held responsible? Thank you
I had a business account with American Express the account is only under my business and at no point did I file a personal guarantee. For the duration of the account it never appeared on my personal file at any time. I started having financial difficulties with the business and the credit card payments are now showing delinquent. Now they want to report a business account on my personal yet they NEVER REPORTED THE POSITIVE history at any point. I disputed with the bureaus to no avail, I also sent certified letters demanding they forward me the copy of the personal guarantee that would allow them to report on my personal file and they have not responded to either request.
I have been trying to get my mortgage caught up with CHFA 's debt collection company for over two months, XXXX XXXX XXXX Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call XXXX and they wo n't give me info until I submit letter to reinstate, which I mailed on XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. CHFA/XXXX received my check and letter but not deny getting anything else from me!
2 1/2 years ago I purchased a XXXX Chevy Malibu. 1 month ago the Malibu was rear-ended and totaled out by state farm insurance. At the time of purchase, the XXXX Malibu had XXXX miles on it. I spoke with a rep from Exeter Finance ( my former finance company ) and the rep stated that I still owe {$7100.00}. XXXX XXXX sent Exeter Finance a final payment for the XXXX Chevy Malibu in the amount of XXXX 
At this time I am satisfied with the final payment to Exeter and I feel that I am NO longer obligated to any cost concerning the XXXX Chevy Malibu. 
You can reach me at XXXXXXXXXXXX or via phone XXXX to help resolve this matter. Thanking you in advance XXXX XXXX.
XXXX XXXX Loans incorrectly reported 30 days late for our XX/XX/XXXX mortgage payment. We disputed the error both directly with Caliber as well as with XXXX. On XX/XX/XXXX at XXXX XXXX, we received a message from a Caliber representative stating that the 30 days late was corrected and that our credit reports would be corrected in ~ 1 week. We have the recorded message. To this day, our credit reports have not been updated to reflect the 30 days late correction and we have received zero written correspondence from Caliber regarding the correction. We 've talked many, many times with several Caliber representatives about getting our credit reports updated and each time, receiving no information or wrong information. We talked with a representative on XX/XX/XXXX and was told that the corrected account information would download to the Credit Bureau 's on that day and for whatever reason, this did n't happened. When we called on the XXXX of XXXX to follow up, we we 're told the Credit would n't be updated until XXXX of XXXX. This is totally unacceptable and we need help resolving the issue. This has cost us a higher interest rate for the purchase of a 2nd property.
I called XXXX about a outstanding credit matter, they refered me to attorney XXXX i contacted them on this matter they said this matter was closed XXXX 2014 but its still showing up on my credit report I need this matter resolved as soon as possible
I am behind one payment of {$25.00} and over my credit limit by approximately {$27.00} for the month of XXXX and I have received numerous call from a couple of numbers. 
XX/XX/XXXX- called 1x,XX/XX/18- called 1x, XX/XX/18 -called 2x, XXXX called 2x, XX/XX/18 called 2x,XX/XX/18- called 2x,XX/XX/18-called x,XX/XX/18- called 3x. 

I might have missed some calls because I do not answer numbers I am unfamiliar with. 

Have not spoken with them, I missed a {$25.00} payment and late fees.