WillisBack/dataset-financial-user-claim huggingface dataset:
5 days after missing the first payment on loan my vehicle was repossessed from me and held by the company whom demanded that the loan amount be paid in full in order to retrieve vehicle. The loan was poorly explained to me, I was under the assumption that there was to be one payment made monthly, not two. It has been a year now since XXXX XXXX had taken my vehicle. I have been since honorably discharged from the XXXXXXXX XXXX XX/XX/2018. I currently find myself unemployed and with little hope in sight. This company has caused great distress and more than financial hurt in my life. I was employed full-time with a position I had enjoyed, after losing my transportation I had lost my job. I would just like it to be known how cynical and deceiving this company is. Something like this should not be legal. What they have done to my life now is extreme to say the least. I would like to warn the public of this company and their tactics in hopes that they can avoid this occurring to them.
Astra has started to call again after I had filed a complaint and had a cease and desist order in place. The company is still making threats of taking legal actions against me. They're still calling my family, friends and my job making the same threats about me to them as well.
Entered 12 month student loan recovery program with previous lender at the  XXXX  of  2016 to ge t student loan out of default. I paid {$200.00} a month until I received notification that the loan was out of default status. At that point the loan was sold to Navient. This occurred at the   XXXX   of  2016. I  agreed to pay {$68.00} a month. I am current on my payments and should not be reported as 120 days late on my credit report. I have been rebuilding my credit over the last 12 months. I take m y credit score very  serious and is going to prevent me from purchasing a home. I just came up on a mortgage application.
XXXX from Nationwide Debt Solutions calls my work constantly. The debt is in my Husbands name and not mine. This Lady keeps calling even when we have told her repeatedly not to call my place of business. She has been very rude to our office personnel.
I contacted Experian in regards to inquires on my credit report that I did not authorize. I was told that they are factual & to contact the company.because the company verified them. I contacted all of the companies and they do not have any form of authorization from me that gave them permission to make an inquiry into my credit & they have not verified this information to Experian. I sent another letter to Experian making them aware of this & they still continue to report false unverified information on my credit report.
From Experian. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXXXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail
USAA has blocked access to online website as well as closed my checking and savings as well as prohibited me from opening new ones. They have picked an arbitrary date for me to be able to get out of punishment for executing my constitutional right to file Chapter XXXX. The further discrimination and harassment for such a long time following a major financial decision is intolerable. The XXXX-year time-out that USAA puts in place is nonsense and prohibitive to people trying to maintain or re-establish their financial lives following the major decision to file Chapter. USAA 's practice of this method of punishment to the military community it serves needs to be addressed. I had no choice but to file for Chapter after my divorce or face financial ruin. I can not even have a savings account. It is absolutely absurd. No other bank does this and thankfully XXXX XXXX XXXX has been a wonderful plan B, so even if I can switch I do n't know that I will because of how USAA treats their customers.
XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX  re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
Re : XXXX XXXX Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.
Equifax continues to list us bankruptcy ct FL XXXX on my credit file This does n't belong to me Not my public record Never mine
On XXXX I went to Chase branch XXXX to re deposit a check in the amount of {$17000.00}. I did the deposit tru the teller who gave me a receipt and say check was verify and no hold was placed, so money was available for use the next day. Teller name XXXX. On Saturday, XXXX XXXX, 2015, I went to another Chase branch XXXX that I was closed by and i decided to withdraw $ XXXX, the teller was ready to release my withdrawal but it was her limit so she asked her manager for approval and the manager she started reviewing my account and make the teller to call the XXXX. They say they can not verify check and I was not given or neither serve notice of funds to be held. So I belief Chase bank to be penalized for the illegal practice and they should pay a fine to me the consumer for pain and suffering. We are ready to prepare a civil lawsuit if this matter do not resolve ASAP.
The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX XXXX XXXX

2. XXXX XXXX  .
I recently went on XXXX XXXX XXXX beginning XX/XX/2018. I purchased insurance with my loan that will cover XXXX XXXX XXXX when I first opened the loan. Mariner Finance requested I send medical proof. I sent medical proof. I was advised by Mariner Finance that they wanted the same medical proof two weeks later. I provided that proof. In the meantime I get a letter from the insurance company advising they approved my claim and I spoke to a  representative who advise me they paid out my loan till XX/XX/2018 and due for XX/XX/2018 and that action has been completed. Mariner representative in the XXXX office is claiming I need to keep sending medical proof every few weeks and won't apply a full monthly payment but rather pay partial payment for one month. Insurance advised they no longer need any proof. Mariner keeps advising that insurance company needs proof every two weeks. I don't agree or think its lawful and fair business practices to ask for medical proof every two weeks and not apply the funds the insurance company, I pay, approved to my company upfront till XX/XX/2018.
Loan was paid off in a mortgage refinance at the end of XXXX. The timing of the refi was such that I had to make an extra loan payment to avoid a 30 day late on my credit report. A few weeks later, I checked with the old lender ( Ocwen ) to ask when I might have this money refunded. They assured me that I would shortly receive both the overpayment ( approx. {$2800.00} ) and the amount remaining in the escrow account for taxes and insurance ( approx. {$500.00} ). I did receive the {$500.00}, but was told that they needed to hold onto the {$2800.00} 'in case there were any fees associated with the loan ', which made no sense as the loan had been paid off. I have called them repeatedly over the past two months, and continue to receive the same story, always that they are going to send it, but they just need to hold on to it 'in case there were any fees associated with the loan '. Additionally, when you call, you can tell they are just reading from a script, because if you ask any questions, they have literally no answer.
Navient continues to set up my payment amounts incorrectly , resulting in me having to make multiple phone calls to get to the bottom of the issue. Every time I speak with a representative about what 's going on with my account, I get a different answer about what the representative did wrong. I am then told the issue is " fixed '' and it ends up being fixed in error and the whole process starts again. I do not trust that they know what they 're doing, nor do they communicate well with their customers.   Currently my account shows a past due amount even though they set up my automatic payments for me and assured me that it was done correctly this time. I am very frustrated that this company ca n't seem to figure out what is going on with my account, leaving me feeling like I 'm paying monthly payments without it actually being applied to what it should be.
Toyota Financial Services reported incorrectly information to the Credit Bureaus for a late payment done on XX/XX/XXXX. This late payment was not reported until I protested another late payment done in XX/XX/XXXX. I feel that TOYOTA FS was dishonest in reporting to the Credit Bureaus correct information and I never received any notice or call regarding making a late payment either. When I protested on the BBB in XXXX, XXXX admitted that they had done a mistake/error and should have reported this late payment. I was never informed that they had made this report or late marker. Therefore I feel that TFS is acting in a dishonest illegal way due to not informing the bureaus and then backtracking themselves and not informing me. I believed that payments could be done until the XX/XX/XXXX without penalties. 
On another note, I payed my monthly payment on XX/XX/XXXX due to the fact that previously I had payed up the XX/XX/XXXX th before getting a XXXX day late payment marker. I also called TOYOTA on the XXXX letting them know that I was sending a check for the complete payment on the XX/XX/XXXX since I had refinanced my mortgage to pay off my account with TFS. I was never told that a late payment marker was being applied that day due to lack of payment.
Hey the information on transunion you guys have the wrong information I do not live at XXXX XXXX  XXXX XXXX XXXX ny XXXX. If it kindly been removed from my file as that is not my correct address. Transunion said they would remove this and for some reason it is still on my file.
As I tried to pay for this card, the app was disable and was never able to get someone in customer service to elp.

I tried to call and was always on the phone for more than 20 minutes just to try to get a hold of anyone to explain that they had cancel the card and at the same time they deactivated the app so i just couldn't do any payments. 
this was going on for more than 3 months of me trying to get a hold of someone to activate the app so i could pay the card ; witch i was never able to. 
Finally i got someone on the phone to solve the problem and I was able to pay and close the account.
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by AMEX on XX/XX/2016 which l have no idea about it at all.
XX/XX/XXXX to XX/XX/XXXX was moved to back of my loan until XXXX for all those months. On all 3 credit beareas it marks XXXX - XXXX late. It's ruining my credit history when I'm trying to buy a family home. I have written creditor XXXX times. And disputed it on credit and called. It was due to a XXXX I had they moved my payments
ERC states that I do not have an account with them, but yet they are the ones reporting bad information on my credit report. If I do not have an account with you you should not be reporting your name on my credit report. Your statement says I owe XXXX but that is not what is reporting on my credit report. I DEMAND YOU REMOVE ALL NEGATIVE INFORMATION from my credit file. I do NOT have a signed contract nor any contract with ERC. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collection. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these account.
I 'm receiving the attached collection letter however I have never received any bill for this amount. I need verification in writing from XXXX XXXX XXXX that I owe this.
on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XXXX and XXXX you have no payments at all reflected, I can understand XXXX but NOT XXXX and XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.
Each time my account dips low in balance the bank keeps my recent transactions as pending for days even though they were debit card purchases.then if write a check to purchase an item they pay the check and mark several items as insufficient funds
Ocwen Loan Servicing has reneged multiple times on both written and verbal agreements that we have had since Harvey flooded my home in XX/XX/XXXX. I have yet to receive a single cent from the advance or final payment from my structural insurance checks. The construction on my home is 75 % complete. The original written and verbal instructions stated that I was to hire the contractor directly and that Ocwen would endorse my advance check, return it to me for deposit, and I would pay the contractor directly. I have documented 16 phone calls over 4 months. On XX/XX/18 XXXX XXXX told me that they have all required paperwork and Ocwen will immediately cut a check for my receipts. Subsequently, and in repeated phone calls, I was told that the " exception '' was rejected and that a committee has decided to release only {$40000.00} to me. As of XX/XX/XXXX, not even that check has been sent, even though I paid extra, via personal check to expedite it.
A payment was made for {$3300.00} to Chase Bank on X/XX/17 to be credited for X/XX/17 in error on an account that is closed. This payment was made thru bill pay. On X/XX/17 I was made aware the payment was never received. My wife made an inquiry thru bill pay and discovered her error in making payment to closed account. XXXX XXXX sent proof of payment and request for refund to merchant on X/XX/17.  Chase Bank requested proof of payment thru a transmittal report and provided a fax number. XXXX an outside party that handles XXXX XXXX bill pay submitted information requested from Chase on X/X/2017. They were requesting incorrect account number that money was sent to and the correct account number the payment should have been applied to.This information has been supplied from XXXX XXXX more than one time to Chase Bank. There have been numerous requests from XXXX XXXX in between these two dates to resolve this issue. There has been no help from Chase Bank to help me resolve this issue. I have had the account with Chase for a long time and I use the card on a weekly basis and always pay my bill in full each month. The due date on this card was X/XX/17. I have been sadly disappointed in the customer service and lack of concern that Chase Bank has shown me. The dollar amount is quite substantial to me and my credit score is of great concern also is getting this matter resolved. I realize the first mistake was ours but feel they have had ample time in reapplying payment to the correct account number which has been provided to them.
Opened XX/XX/2016. Closed my u verse account because it was too expensive never received a final bill or collection attempt because they had the wrong apt number. XXXX XXXX XXXX reported a derogatory mark on my credit history reports.
XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. 
I was victim of identity theft and contacted by police.
I obtained XXXX, the product was defective. I tried calling them to fix it and they never did. I cancelled services with them and sent them their equipment back through XXXX. I did it within 1-2 months after obtained services from them because of their refusal to fix their defective product. 
The system would not allow AC to work properly or would not control things properly either. -In XXXX , California the average temperature during the summer is around the 100-110 degrees, so I needed a functional AC for my family. 
XXXX never sent me a bill with a balance after I sent them their equipment back, I called them in several times asking for a balance corrected after I sent the equipment, but they were not able to tell me a balance, even any amount of money. 
Back on XX/XX/2018, I discovered a new collection on my XXXX credit report, a collection agency named Perfection Collection is reporting XXXX account for {$2100.00} dollars. It called my attention because I never received an initial notice or call from this debt collector, also the balance doesnt make sense to me, I really dont know from were the {$2100.00} dollars come from, if it is for a service or for equipment. 
On XX/XX/XXXX I called them and asked for an Itemization letter because -even today- I dont know the reason of the {$2100.00} dollars in collection. During the call the representative was unable to confirm my mailing address and that makes me think they never send me an Initial collection notice or something similar. The representative asked me for an email and she would send me an email with an Itemization statement. 
I wait for the email until XX/XX/XXXX, I called again but no body answer my call and I called for several days, -During this time I thought this debt collector was a scam or a fake company- They answer my call on XX/XX/XXXX and they told me they didnt have a record of my Itemization Statement on XX/XX/XXXX, but this time the representative said they sent me validation letter twice by XXXX, thing that I didnt receive. Later I received an email from XXXX XXXX from Perfection Collection, the email had an attachment, it was a picture of the original contract with XXXX, But I wasnt included and itemization statement. 
I called again on XX/XX/XXXX to ask again for an Itemization statement because I need an explanation of the amount in collection, then they suppose to send me a detail Itemization statement, but they again sent a photo of the original contract with XXXX. 
At this point I believe this collection agency doesnt have an Itemization statement and they cant explain the reason of the bill. Also, they never sent me, and Initial collection notice and they got my mailing address at the time of my first call to them.
Home Depot offered a 5 % discount for purchases with their Home Depot Brand credit card. After acquiring the card for only a short period of time the offer was canceled without any notice to consumers. This is a deceptive sales practice to lure consumers to obtain a Home Depot card that does not provide the promised benefit. 

The whole situation seems shady. There was nothing in writing to indicate a 5 % discount. The consumer had to ask for it each time a purchase was made or it was not offered, you were required to tell the cashier in every occasion or no discount was provided.
When I got the savings account, I was never given or seen a deposit account agreement.. 
I come to find out there is a fee for not adding and keeping the account activated this fee is {$10.00} a month. I had over {$300.00} in the account. I never got any notice of this fee, nor did I get any notice of the account being inactivated. 
XX/XX/XXXX is the 1st time I got a deposit account agreement, since opening the account in XX/XX/XXXX.. 

Here I thought a savings account was for setting money aside and building it up, not for the bank to steal it! 

This was done by First National Bank, PA the XXXX XXXX, branch
To Whom It May Concern : I have request XXXX and Experian by phone / fax and letters to up date my personal information. 

The Creditor XXXX never sent Validation of Debt ( {$130.00}, {$440.00}, {$3100.00} I request this information since XX/XX/2018 With no response XXXX deleted all all information which shows me that Experian and XXXX   failed me as a Customer. XXXX and Experian has a balance on my Credit from XXXX XXXX that show a Balance of {$880.00} witch is paid in full. Therefore I was denied Credit.
I have XXXX items on my credit report Trans Union refuses to investigate Chapter XXXX bankruptcy account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX