WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, Veros Credit filed a law suit against me for the amount of {$5100.00}. 

On XX/XX/2018 I filed a response. Included in the response was a request for validation of the debt. It was requested that this include a signed contract and all payments that were made. ( This is just part of the request ) On XX/XX/2018 I filed a dispute with XXXX  and XXXX  requesting validation of this account. 

I received a letter dated XX/XX/2018 from Veros Credit. This letter included a Retail Installment Sale Contract. 

The next letter was dated XX/XX/2018 from Veros Credit. In the letter it states that it's in response to a request for verification of a debt. They stated they already provided me with it and that they will not respond to any such requests in the future. 

Although it may not matter, their original response dated XX/XX/18 was in response to my court filing. It had nothing to do with the credit reporting. It would appear they are mixing the two. One part being court. The other part being credit reporting. With that being said, it should be noted that as part of my response in the court filings, I requested the payment history, which is part of what is being reported to the credit bureaus. This would be able to show the exact amount that is actually due. 

XX/XX/2018 we had court. I still had not received payment history. Although, I had rec 'd some other documentation. At court the judge noted that I had requested specific verification which included payment history. The judge told the other party that they needed to provide me with the requested documentation. Right after court I received an email from the attorneys for Veros Credit. It was the same documentation that had already been mailed to me prior to court. It did not include the payment history. 

XX/XX/2018 we had court again. We discussed the fact that the plaintiff still had not provided the requested documents. We were told that a court date would be set for trial. Since court, a trial date has been set for XX/XX/2018. 

To date I have not received the payment history. 

It is my understanding that in order to report something on someone's credit, a creditor must be able to provide verification to back up every aspect of what's being reported. This includes payment history. Payment history is great because then you can show the amount that's owed. In this case the amount being reported is different from the amount being requested by Veros Credit in court.

Seeing as Veros Credit is refusing to provide documentation to back up payment history, I'm asking that they delete this from my credit report.
In or around the last week of XX/XX/XXXX, I applied for a loan with XXXX XXXX XXXX  in XXXX  XXXX XXXX , Arizona , I was denied a loan based on information provided by Experian Credit reporting agency . I believe the credit score they provided and other relevant information is outdated and incorrect. I wrote Experian a letter, dated XX/XX/XXXX and demanded a copy of my credit report! Apparently, Experian does not believe in following the law as I have still, as the date of this complaint, not received a copy of said report! I want the report sent to me immediately!
On XX/XX/2015, I submitted payment for my XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.
My complaint is against Portfolio Recovery Associates, LLC- As of XX/XX/XXXX my employer was served a garnishment letter on that date. I was never aware of Portfolio Recovery Associates was granted a judgement on XX/XX/XXXX. So as forth I submitted to the court for a motion and order to set aside Default Judgement, on this date of XX/XX/XXXX which I was given a court appearance to explain to the court that Portfolio Recovery Associates did not have any documents to prove that I had a contract with them. As of XXXX XXXX I appeared to inform Judge XXXX XXXX XXXX, that Portfolio Recovery did not inform of any legal matters which includes Garnishment against me which is causing me hardship now. Since they were awarded to keep the judgement by the judge, which denied my motion as of XX/XX/XXXX. I have been battling this situation with Portfolio Recovery Associates, because I know they can't produce any Contract that with me ; or validation.
I am on XXXX XXXX XXXX. Approximately XX/XX/XXXX I was having some medical problems and got behind on my credit card pymts to Capital One Credit Card. My husband switched jobs in XX/XX/XXXX & he did not receive a pay check until the middle of XX/XX/XXXX & that was only for 1 week. We were then behind on our other bills. Capital One was informed that I was on XXXX XXXX XXXX and could not pay my full pymts. I did advise them that I could pay approximately {$25.00} per month. I was advised by Capital One that they do not have a plan for me to pay {$25.00} per month. Capital One wanted me to pay {$75.00} to {$80.00} per month. I advised I could not pay that. Then Capital One said they would note the acct that I refused to pay my bill. I did not refuse to pay my bill. I refused to pay {$75.00} to {$80.00} per month. I get numerous phone calls daily from Capital One. Now Capital One has turned my account to a collection agency, XXXX XXXX XXXX. I have been informed that Credit card balances are not collectable from XXXX XXXX XXXX, however, Capital One says they are. Now I am going to be harassed by XXXX XXXX, XXXX Collections and possibly sued because Capital One refused to work with me on pymts. I have not made any pymts since Capital One refused {$25.00} per month. I am XXXX and I explained to Capital One that their harassment only makes my conditions worse. I don't know what to do at this point but I need the harassment to stop. Capital One employees are rude and don't care. I am still behind on some of my other credit cards as well but the other Credit Card companies are willing to work with me because they understand they can not collect on XXXX XXXX XXXX. Please help.
My mortgage was sold to Loancare Servicing in XXXX, 2016. Every time I call them, I am on hold for at least 45 minutes before any rep takes my call. I had called to inquire about how I could stop my Property tax and homeowners insurance from coming out of my impound account. The representatives I have spoken to are rude, condescending, and have not helped me in any way. The only rep that gave me some direction told me me to email customer support and also told me that I could not be connected to the escrow department as they do not talk to customers on the phone. So, I emailed the customer service department requesting that my impound account no longer pay out the property taxes and homeowners insurance, and that I would pay it myself. I received a ticket number in an automated reply which stated that I would be hearing back from them within 10 business days. It has now been 17 business days and I have not heard from them. I called them again on XXXX XXXX and was told to wait 30 more days for a response by mail and that I was not allowed to talk to the escrow department. Then, this morning, I received an automated email from them stating that my property taxes had been dispersed to the county.
I signed a loan for my granddaughter because she had no other way to be able to go to XXXX school. She was paying her loan payments after she got her 1st job. She was a single mom raising a XXXX on her own. At times she struggled to pay it. They constantly taunted her and I for payment. My father died in 2007. At that time they filed a claim on me to get payment and succeeded. They took every bit of my portion of my dad 's estate. I am single and on a small income and needed that to survive. That was money my dad had worked hard for. I was XXXX on the job I had and could no longer work. You do not believe how inhuman they are. Letters and calls to me harassing me all the time. Still send letters of abundance just to get more. I tried to talk to attorney over them taking my income away. They do n't care. My granddaughter has recently lost her job and now with little money, they hound me. Help me to stop all this. I deserve my portion of my dads estate back. They are cruel.
Nationstar refuses to communicate with me regarding my mothers loan in which I am the Grantee. I have provided them copies of the Quitclaim Deed and informed them of my mothers passing and that I would like to do everything possible to save the home as I have been living here and plan to live here. There is a current auction on the property
I have sent several letters since XX/XX/2018 disputing the late payments that's showing in my credit report which is incorrect. I have never been late and always made my payments on time or before due date via phone call to a representative. I have sent certified return receipt letters on or about XX/XX/2018 and again on or about XX/XX/2018. 
with all letters being returned to me stamped Return to Sender Not Deliverable As Addressed, which is the address in my XXXX  Credit Report. Also, listed on their webpage and a representative verified the address. They are avoiding me at this point please delete this tradeline which is a violation of my rights and FCRA. 
Please help me.
Equifax received my dispute on XX/XX/2018, ( see attached return receipt ), per tracking. I requested that Equifax delete the also known as XXXX XXXX XXXX as well as multiple addresses that are obsolete or I have never resided. See attached dispute letter that was sent as a SECOND NOTICE to Equifax in XX/XX/2018. They reflected several inaccurate accounts as well. To date, Equifax has not responded to my 2nd request nor has any of the inaccurate information been removed. I have proof that Equifax is in receipt of the dispute as of XX/XX/XXXX and opted to not respond to my dispute. This inaccurate reporting is unethical and violated my rights under the FCRA. 

The medical bill that is reflected has no company name, address, or any company information so that I could communicate with the company reporting. This reporting continually compromises my credit health and should not be on my report. Since Equifax has failed to respond within the 30 days as required and this is well over 60 days and I have not received a response from them, the entries reflected on the dispute letter included should be deleted from my Equifax report.
My name is XXXX XXXX XXXX XXXX and I purchased my home in XX/XX/XXXX, the worst year to buy since prices of homes were high and now the value and cost of homes has plummeted. 
Since I purchased the home, the XXXX has had me away from it on XXXX and XXXX for six of the eight years I 've owned it. 
I 'm currently XXXX to XXXX and not receiving a housing allowance since my XXXX started from XX/XX/XXXX. 
I worked with a realtor ( XXXX XXXX ) towards a short sale but due to the VA 's inflated appraisal, the house has not had any offers on it in over 8 months now. 
The bank is trying to foreclose but I 'd prefer a new VA Appraisal and it be short sold instead. Is there any possible way the CFPB can help? This is my second attempt to have the CFPB assist. Thank you kindly.
XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. ONLY XXXX HAs corrected this error
Please help assist me, there is a judgment showing up on my credit report which is NOT mine. I have disputed several times and Experian reply 's they verified which is not accurate. I called the court house and the company whom filed the judgement and confirmed myself this is not mine. I want it removed from my report. There is also another issue reporting XXXX XXXX child support, this is inaccurate also stating I owe I do not owe anything on child support again took it upon myself and contact this agency, I am correct nothing is owed, I also am requesting this be removed. It is very sad this agency does n't verify anything and keeps on reporting inaccurate data. My next step will be hire an attorney and contacting my states attorney general office if not resolved.
I have three issues With TransUnion that I believe in direct violation of my consumer rights. First, will start with address change. XX/XX/XXXX I disputed and submitted a formal request to change to my correct address and report my legal name. I sent the required identification requested by TransUnion. XX/XX/XXXX sent a confirmation letter and deleted the disputed address. XX/XX/XXXX, I received a letter from another dispute. I notice that TransUnion re-inserted the deleted name without informing me in writing that they were re-inserting the deleted address. Second. TransUnion is reporting a collection that the 7 year time limit has expired for XXXX XXXX XXXX XXXX reviewed their files and admitted that the statute of limitations ( SOL ) had expired. Tennessee statute of limitations is 6 years. XXXX XXXX   states that the account in question expired XX/XX/XXXX XXXX XXXX   informed me to contact TransUnion. TransUnion have been informed formally several times. TransUnion has reported this account 2 years beyond SOL years. I have formally disputed this era to TransUnion several times. Third, I recently have been informed that there is a bankruptcy that has been maintain under my social security number. TransUnion was sent a formal letter disputing the bankruptcy. They were asked to validated there information and provide me with copies of any documentation. I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus. A formal letter was sent to TransUnion XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX TransUnion sent a letter stating bankruptcy dispute have been verified. XXXX XXXX. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/XXXX.
This is not a duplicate filing. XXXX continues to misapply XXXX  47-2201. 

On XX/XX/XXXX I initiated a lease with America Honda Financial for a XXXX XXXX XXXX. As part of the acquisition process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XX/XX/XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX  I had to request a change in the title to reflect the new address. When Honda processed the title change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. XX/XX/XXXX has taken this 10 % each month from my payments, which has renedered my account past due. 

In correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, regarding CBPB Complaint # XXXX American Honda Finance replied : XXXX has completed a thorough review of XXXX Code 47-2201 and has found that XXXX is correctly assessing the tax on each monthly payments, not the value of the vehicle or a lump sum payment of the vehicle. XXXX XXXX Office of Tax and Revenue does not state in their statutes or codes that reciprocity applies if a resident has paid upfront taxes to another state such as XXXX XXXX. 

However, Page 4 of XXXX Code 47-2201 clearly states : Purchases subject to the use tax For purchases subject to sales tax on which a sales tax has not been paid to the District or another jurisdiction in the US or to a US territory, see the applicable 5.75 % rates. 

Rules for reporting use tax You must report the cost of all personal property and taxable services used or consumed by you in XXXX on which sales tax has not been paid to any state. This includes the costs of items purchased under a XXXX Certificate of Resale ( OTR-368 ) and withdrawn from stock for personal use or for use in the conduct of your business. 
Exempt and/or nontaxable use tax The use tax exemption is the same as the sales tax exemption.

Also exempt are purchases on which a sales tax has been paid to th

e District, or another tax jurisdiction in the US or a US territory. Contrary to XXXX  co
ntention, XXXX  Code 47-2201 clearly states that for taxes are waived when taxes have been paid in another jurisdiction. A lease initially delivered to a leasee residing in the district is subject to such tax. However, in this case I relocated to the district after having paid the applicable sales tax in XXXX XXXX.

Please resolve this issue ASAP. All taxes collected and corresponding late fees should be refunded immediately.
Caine and Weiner first sent a bill collection letter to me in XX/XX/XXXX, upon receiving it I sent a debt validation letter. As this bill was already paid in Full to the creditor. Please see attached.
This company is not only calling my own personal cell phone after their debt collection has been removed from my credit report however but friends of my mine and family as well which is out of line.
First Tennessee Bank denied my application for a checking account based on " knowledge Based Authentication '' method that they use. The only problem is that I am 100 % sure that I answered each of the answers correctly. I knew the answer to each question and also verified each answer with the records that I have. So either they are using incorrect sources for this information or there are other issues with their application system which are XXXX troublesome.
Home values have increased dramatically in my area. I believe my LTV is high enough to drop the PMI on my loan. I have had offers to purchase on my home above the required appraisal amount to drop my PMI. I went thru the process with Quicken and paid {$550.00} for their appraisal. The appraiser neglected to count one entire floor of my home and counted only 1/2 of my total livable square footage in the appraisal. Even though he included pictures of XXXX floors and a floorpan in the appraisal. None of the comps used had more than half of my homes square footage. The appraisal was obviously in Error. Quicken has denied my request to drop PMI and appraised my home at the original value I purchased it for over five years ago. Something needs to be done to rectify this obvious false appraisal.
In reviewing my credit reports on XX/XX/2016 I saw that AWA Collections had submitted a claim as collections to my reports. I had never heard of this company nor who they list for representation on the report XXXX. I have never received notice via mail of any debt or bill from AWA Collections or their client XXXX. I called XX/XX/2016 AWA and was told this was actually a debt through XXXX for early disconnection. I called XXXX XX/XX/2016 and was told I never owed them anything as they never honored my original contract of stopping service with my other phone company, I never used their XXXX phone and therefore nothing was ever owed. I then called XXXX XXXX who also stated that there was nothing owed nor had there ever been anything owed even early disconnection charges. Both XXXX and XXXX are mailing me verification of non-debt and neither claims knowledge of the this collections company. At this point I created a cease and desist letter which I faxed to AWA Collections XX/XX/2016 and immediately followed up and called AWA back and informed them of this cease and desist letter, that I would be forwarding this paperwork as soon as I got it and that this was a fraudulent claim on their part and needed to be removed from my credit reports. They insisted that they have bills but would not send me anything. On XX/XX/2016 after having received the cease and desist letter the day before AWA Collections again called me to try to collect on this fraudulent claim. I again explained that not only was this fraud but that as soon as I got the mailed proof I would fax it to them at the same number that I faxed the cease and desist letter to and they said yes. 

Bottom line this is a fraudulent claim on their end, they continue to misrepresent who they represent in this fraudulent claim and they have acknowledged receipt of the cease and desist letter and continued to call.
I 've made payments to my home equity line of credit ; however the lender does not reduce the interest first - they only apply the amount paid to the principal. This enables the bank to accrue more interest and increase the amount of the loan on the back of the customer. When I sought a response from the bank, the response was that no payment was due. However, interest continues to accrue ; so by me making a payment and the bank not applying the accrued interest, I am being charged additional interest despite my paying a monthly payment.
Hi, I have my bills online with my BestBuy / CitiBank Visa credit card. 

On XX/XX/XXXX, I happened to notice a reoccurring charge on the XX/XX/XXXX of each month. 
Just a line with XXXX. 
I could only go back 6 months online. 
It was there each month. 
I decided to click the charge to expand it so I could see what it actually was. 
It stated Credit Life Insurance Fee. 

I immediately called the Credit card company. 
I asked what is this charge on the XX/XX/XXXX of every month? 
I then asked how long this has been going on? 
She said since XX/XX/XXXX. Which is when I signed up for this card inside a BestBuy kiosk when purchasing an item. 

I let them know that I was extremely unhappy about this and that they need to cancel this Service immediately. They did. I also stated that I want to know the grand total they have ever charged me on my card for this service - that I did not sign up for or want. Then I want a complete refund. 
The person on the phone was XXXX. 
She said we might be able to give you a full or partial refund but it could take up to 30 days to review. 

In the meantime I researched online and saw that this same issue was national news a few years ago. The article stated that Citi was to pay back consumers {$700.00} million in refunds. 

I was never contacted bu Citi or BestBuy. 

I found the CFPB listed in an article for consumers to contact. 

Today, XX/XX/XXXX, I received a statement from BestBuy/Citibank. 

Simply stated that I purchased this on XX/XX/XXXX. Therefore no refund will be paid. 

They also did not provide what I asked for, which was how much much have they charged me in total? 

Can you please advise on how to get my money back? 

Extremely discouraging that even though they were ordered to repay consumers for the very same issue that I discovered on my card, and that I have been a stellar customer for them ... they did not act in a reputable way. 

Thanks, XXXX
I have unauthorized inquiries reporting on my XXXX report. I have contacted the XXXX XXXX and XXXX as well as XXXX for the six inquiries and still no results. 
1. XXXX XXXX 2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6.XXXX
To Whom IT May Concern ; I tried to reach a resolution on complaint XXXX with XXXX XXXX Nissan to no avail. The persons I needed to talk was always out of the office. This was totally unacceptable I was willing to surrender the vehicle. However, I now want them to consider the loan paid off with nothing against my credit. Also a apology from Texas Nissan of XXXX and XXXX XXXX for his lies, cheating and XXXX ways. He shows know respect for XXXX Vets nor their families all life matter regardless of race.
There is a past due of 120 days for child support and there should not be. I have a typed and stamped XXXX Child Support that I am completely caught up and paid in full. I would like to have this removed from my credit report because it is blocking me from getting a mortgage approval.