WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Capital one auto took our Vehicle, During the agreement that I thought we had and was waiting for documents in the mail, as we modified our terms due to a death in the family, as they possession of the Vehicle we had attempted to speak to anyone at Capital -one to find out how we can recover our Truck back, we were never given any correct answers to this or even where the Vehicle had been taken, we were told we would receive a call back or letter in the mail, so we needed to wait, i called a week later and was told by another person, someone from the repo dept will be in touch I made it clear we also had personal belongings in their and items my husband needed for work that this was very important, 2 more weeks went by and now i have NYS dmv asking me for the plates, How can i return plates back when no-body will tell us where the truck is and why cant we pay and have it back, as we continue to try to get answers we find out our license is now suspended in NYS due to the plates, we are now in XX/XX/XXXX and I can say we are still waiting for this so called certification letter, or Phone call, never knew they sold my vehicle, Nothing absolutely not one correspondence from them via phone, Email, or certified letter. We decide we are going to buy a home this year to find out capital one is on our credit report with this enormous amount of money they are trying to collect during a charge off, I have been disputing this with all XXXX CRA and the company, on mine and my Husbands reports, How does Capital one keep Validating this charge, When i could n't get a time or day with them, to fix this problem XX/XX/XXXX and now they want over {$9.00} for a vehicle they would n't let us have back after an agreed modification, Where are our rights, The CRA claim there rights with FCRA, Then when i dispute it again, the CRA come back saying there not on my report and they close it, following month they reappear on our reports Where are our rights with this company '' this game playing is for children '' and i have no time for this I have been requesting for years, and even more now, I want to see CERTIFIED ( copies ) of all mailings they have sent to us giving us a chance to pay arrears ( even thou they did a modification with us ) or getting our belongings what did they sell our vehicle for? where was it? where is our belongings? we have no answers I have months years of paper trail, with no responses other than from the CRA saying it remains on the credit reports PLEASE HELP!
I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report.
A company named Mercantile has contacted me stating that I owe them money. I do not know who they are. I used a template from your website asking for information about the debt they referenced in their contacts with me. I certified mailed it on XX/XX/2017. 
It is now XXXX, and I have not heard back from them. I am worried that they will try and hurt my credit. Can you help me?
Armed Forces Loans of Nevada I contacted them told them I am retired unable to pay. They ignored the situation. Also they keep doing hard inquiries into my credit when I did not give them permission to look on my credit report they do not have authorization. They also failed to abide by the soldier sailor relief act. They are scam artists charge high interest rates and should not be allowed to lend to XXXX ARMED FORCES retired or otherwise. Please force them to remove the hard inquiries and remove all bad reporting.
I have been dealing with this issue for over three years. I first contacted Designed Receivable Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX : ( XXXX ) XXXX, in XXXX. I informed them that I had state issued Medi-cal, and the bill should have been taken care of by them. Spoke to medi-cal office and was informed that this bill did fall under the dates of service. Then i checked my credit report in XX/XX/XXXX, and to my surprise there was the delinquent amount again. I reached out to DRS, and spoke to XXXX, he informed me that the debt was to old to be paid by my insurance company. Called XXXX, and they told me debt should have been paid and to have them rebill. Called DSR again to inform them of what i was told by XXXX, asked to speak to XXXX supervisor, he transferred me to a women by the name of XXXX at Ext. XXXX, She then informed me to contact he hospital where debt was issued. After calling 15 different numbers and getting the run around from the hospital, I finally was given a number to XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to a women named, XXXX out of the XXXX  office @ ( XXXX ) XXXX, She told me that the hospital was sold and they no longer had access to the debt, being it was before XX/XX/XXXX and I need to call the collection agency because, they are the only ones that can do anything about it. Called DSR again and asked to speak to XXXX 's superivosor. Got a XXXX XXXX on the line, we went back and forth when she finally informed me to have the XXXX office send them a document called XXXX, and she would try to get in touch with the original biller ( XXXX XXXX XXXX XXXX ) and have them re-bill my correct insurance. She also advised me that because the hospital was sold, it would be really hard to get that done. Because the account is in collection, and they are the only ones that can infact take care of this.
I have received a Demand for Payment Notice ( Attachment # 1 ) dated XX/XX/2016 for a {$990.00} Rate Lock Cancellation Fee which is based the Rate Lock Confirmation Acknowledgement and Agreement and {$420.00} for a Appraisal fee. 
I have abided the terms of the mentioned agreement and do not owe these sums. When I called to try and resolve this demand notice, the American Heritage Capital representative, XXXX XXXX XXXX, refused to acknowledge the requirements of the agreement. American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states " in an effort to recoup any cost associated in processing and underwriting your loan, a {$990.00} Lock Cancellation Fee will be imposed if you withdraw or cancel your loan application and subsequently close with another lender within 90 days of the original lock date on the same property ''. ( Pg XXXX of Attachment # 1 ) This agreement was signed on XX/XX/2016 which means the 90 day period ended on XX/XX/2016. 
American Heritage Capital LP has deemed that the rate lock was cancelled as stated in the Demand for Payment Notice. As I offered to send to XXXX XXXX, please accept this signed letter as my attesting that the same property was not closed on with another lender within the specified 90 days. Attachment # 2 is a copy of my current Mortgage Loan Statement just paid on XX/XX/2016 providing evidence that no closing occurred. Since the Rate Lock Confirmation Acknowledgement and Agreement specifies that any costs associated in the processing and underwriting your loan are included in the {$990.00} USD Lock Cancellation fee, there are no grounds for American Heritage Capital LP to request any other costs incurred including the {$420.00} Appraisal Fee. 
As mentioned above, American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states that a {$990.00} fee will be imposed if I withdraw or cancel AND subsequently close with another lender within 90 days of the lock, and I did not close with another within 90 days of the lock. Therefore, I do not owe American Heritage Capital LP any costs. Please help me obtain written confirmation from American Heritage Capital LP that this matter has been clarified and is resolved.
I was one of the impacted consumers of the Equifax data breach announced on XX/XX/XXXX. On Equifax site I am informed I am one of the potentially impacted consumer and when I tried to enroll for the free TrustedId program for those impacted by cyber security breach, I am informed I am already enrolled with am effective date of XX/XX/XXXX. Tried reporting the issue over phone to the contact center, and failed to take a complaint or registering the reported incident, and was redirected to the site where there is no additional means to report the issue. I repeated that I am very concerned that somebody with my information has enrolled but Equifax said there is no way they could do anything on that.
These debts were removed previously from another company, about a year ago, then Commonwealth refilled all of them again after purchasing them.
I had an account with  Santander  that beca me 30 days d elinquent in   XX/XX/XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in  XX/XX/XXXX . According to the FCRA 623 ( a ) ( 5 ), this account should be re moved from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more t han seven year s from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from     XX/XX/XXXX  sh owing the original status of the loan, prior to it being paid in full. I have disputed the information with  XXXX   XXXX   XXXX , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency (   XX/XX/XXXX  ) and the date of first delinquency reported (  XX/XX/XXXX  ) as required by the FCRA. I have attached a copy  of the updated credit report as well. This account should be removed from my credit report as it has reported negative information  for 9 years.
I have contacted Experian multiple times in writing and over the phone regarding an update to my social security number being outdated on my report as I have been issued a new number by the social security administration. Experian refuses to update the social on my report and states the creditors must update them with the social on the accounts they previously reported. I've contacted the creditors and they state that since the accounts are all closed, they are unable to make the change and Experian should be the one to update the credit file with my new social security number if I supply a copy of my social security card. I called experian again and explained the response from the creditors. they still refuse to update the social on my file
-- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Friday,XX/XX/XXXX, XXXX XXXX MST Subject : XXXX Order # XXXX Dear XXXX, Thank you for contacting XXXX! I wanted to reach out to you about order # XXXX. Regarding your payment for {$81.00}. This payment has been sent to PayPal and you simply need to call PayPal customer service at XXXX and give them the reference number below and they will help you " claim '' your payment. 
Your payment was sent to your PayPal address XXXX and the reference number for the payment is XXXX. This payment was deposited on XX/XX/XXXX. I hope this information helps you get your payment. Thanks and have a nice day. 
Sincerely, XXXX XXXX Payment Support XXXX XXXX Ive sent FOUR letters to Paypals customer service area and received only form letters in return. Ive also made two fruitless calls to the XXXX. 

The first call was made this past Friday night at XXXX XXXX time. After an online waiting time of 40 minutes, it took your customer service representative another 16 minutes to find the payment in questionand then I was disconnected. 

Yesterday, I again called Paypal customer service number in the XXXX at XXXX XXXX After a 38-minute wait I spoke to XXXX XXXX whoafter many minutes of searchingwas finally able to locate the {$81.00}. Another long wait ensued. FINALLY, XXXX promised me that the money would be in my account by end of day. I told XXXX that the next morning ( Sunday ; today ) would be fine. Well, guess what? The money didnt show up in my account, so your XXXX in the XXXX lied to me. 

And I am now on hold to speak to a real personestimated wait time being 1 hour and 14 minutes. That is as unconscionable as it is ridiculous. 

PLEASE get this {$81.00} credited to my account, WHERE IT BELONGSand we all can go home happy. 

Your prompt response to this request will be SINCERELY appreciated. 

Thank you.
Collection account XXXX XXXX XXXXXXXX XXXX amount of {$4300.00}. This collection does not belong to me I have sent XXXX XXXX   XXXX XXXX a debt validation they have not responded and disputed this with Equifax and XXXX and collection is still being reported
I use XXXX XXXX XXXX for my truck financing. There has been a late pay which was in XXXX. It was on my XXXX and my Equifax. I disputed it on Equifax on XXXX/XXXX/XXXX. I went in and checked my report on XXXX/XXXX/XXXX and there was 4 more late pays from XXXX to XXXX that showed up after i disputed it. I called XXXX XXXX and asked how could 4 pays show up a year later. The lady whom I was speaking to said she did n't know who handled the credit reporting for XXXX XXXX. She told me to contact a credit agency to ask them.
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to Experian and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact XXXX XXXX. This error is preventing me from obtaining credit and to build towards getting a loan for a home.
On XX/XX/2018, I am trying to place a security free on my credit file with Experian. I have try it online multiple time and by phone. I was told to send all my information by mail with copies of my driver 's license and bank statement or other document to prove my identity along with a copy of police report. Their website did not offer online identity verification like other credit beau or denied my request before my identification can be verify online. Why a company allowed to collect and store my information without my consent, without allowing me to opt out of their service, deny my request to put a free on my file, and asking me to provide copies of my driver 's license and other document by mail. Don't they have enough information of us? Now they wanted a hard copy of everything by mail. I don't want to be in their Data Base. Please have company remove all my information off their service if they can not allow me to put a security free online. if they want physical verification please have a physical location where I can visit and prove of identity.
I received numerous phone calls from a debt collection company attempting to collect for -- Providian credit card as I found out later. I do not know the name of the company that was calling because they were mispresenting themselves as legal representation. The phone number they ( debt collection company ) were calling me from was XXXX. The message this company was leaving on my phone stated. " Your social security number has been named in fraudulent activity. You will be summoned at your place of employment or your residence, and you will have XXXX counts of fraud filed against you in your county. If you do not respond you will lose all rights to your legal rights. They then leave a case number and the phone number mentioned above to call. When I called the number it turns out to be this Providian credit card account they are trying to collect for, and nothing to do with any fraudulent activity surrounding social security fraud. When I questioned the representative about this, he merely answered " same thing ''. When I asked them to remove my phone number from their list. The representative hung up on me.
We transferred too much money to savings and our mortgage payment was withdrawn causing our account to overdraw by {$250.00} and two transactions on XX/XX/18 ( incurring two overdraft fees ). The following day Citizens Bank re-ordered all our debits to show a total negative of {$230.00}, but they made this up out of 5 transactions instead of the two that actually caused the overdraft. They listed the transactions by amount from largest to smallest to maximize the number of times they can charge fees. This wasn't the order the transactions were done in or the order they posted to the account and we have evidence showing this. I want the additional fees to be returned and I want the bank to stop ripping people off. I'd have preferred to deal directly with Citizens to get this fixed by their customer service department refused to even attempt to understand what the issue was. I will gladly provide more evidence and written testimony for a class action suit if needed and have filed complaints with the other state and federal agencies with oversight.
On XXXX XXXX, XXXX, I checked my banking activity online and noticed several transactions that I did not recognize. I phoned the SunTrust to report this but live phone representative hours were closed. Afraid that someone may have accessed to my debit card details, I went to the nearest Sunburst and pulled out the largest amount ( {$340.00} ) I could. I tried again the next day ( Sunday ) and found that the bank phone hours were closed but followed the prompts and got a live representative to file the transactions fraudulent and to close out the debit card. 
The representative sent me a Affidavit of Fraud to fill out, sign, and return. I did that, signed on XXXX/XXXX/XXXX, and faxed over on XXXX/XXXX/XXXX at XXXX to the fax number provided. 

On XXXX XXXX, XXXX, I received a letter dated XXXX/XXXX/XXXX from SunTrust that they were closing the account. I did not understand why nor were they willing to provide me with a valid explanation. Later, I found that they denied my claim of fraud. I asked them why and representation would not tell me and said I could send in a rebuttal form. I requested that they send all information on the case along with all documentation and reason for their decision and also that they send me a rebuttal form. I have sent the rebuttal form and have not heard back from SunTrust since. 

I have not received any documentation on the reason why or any such documentation pertaining their decision. After going through old documents, I found all the documentation that I submitted and realized nothing was sent to me in regard to their decision. I called SunTrust on XXXX XXXX, XXXX to request an update. Found out they had closed it out. I have filed a police report with XXXX Police Department ( Report Number XXXX ) and XXXX County Sheriff 's Department ( Report Number XXXX ).
I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXXi. However, I have received a debt collection letter from a company called XXXX XXXX ( same address as XXXX XXXX ) who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX* Amount : {$610.00} I received a debt collection letter from XXXX XXXX XX/XX/XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XX/XX/XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - XXXX, XXXX  and TransUnion and they have done nothing.
called my family after i clearly stated do not call anyone else 1 week back.. i even had made arrangements to pay back debt and they still call..
I am contacting you about XXXX overdraft fees that were placed on my First National Back checking account. I contacted the costumer service department on XXXX XXXX about these fees and was told that someone will contact me about them. No one has contacted me at all. 
On XXXX XXXX 2015 my account balance was {$13.00}. I also deposited a check for {$15.00} on XXXX XXXX which was a XXXX so I knew it would not clear until the following XXXX. I spent {$8.00} with my debit card on XXXX XXXX at a XXXX gas station. The bank is telling my that the XXXX purchase overdrew my account because that purchase was pre authorized for {$20.00}, which I did n't have in my account so it overdrew. I did not spend {$20.00} I spent {$8.00} which I did have enough to cover. XXXX other transactions after that got overdraft charges put on them after this. 
This is not the XXXX time I have had problems with this bank. I filed a complaint a while back and the took off the fees. I am asking that the XXXX overdraft fees totaling {$110.00} be returned to my account. 

Thank You
I previously filed a complaint regarding this matter. The party described responded and said that they would instruct their employees to cease and desist. They have reneged on that statement. They today called both myself and my wife claiming that they are seeking to deliver legal documents. This debt collector needs to be held accountable with the full force of the law. 
Please see below the text of my prior complaint. 

Southwest Recovery systems has repeatedly contacted me and harassed me over a debt that they say I owe and one that I have disputed for years. The client that they bought this debt from deceived me with regard to a website building offer and I canceled after learning of their deceit. Southwest has contacted me on at 12 different occasions and has attempted to bully me and harass me into paying a debt that I disagree with. They have never delivered proof of the original debt or amount. Today - XX/XX/2018 @ approximately XXXX they called my phone and attempted to get me to provide my date of birth, social etc over the phone. After i informed them that I have repeatedly asked them to stop calling they stated that they would just call again. Minutes after my wife called me to conference me in for someone calling her to ask for me. The same agent of Southwest was on the call and began berating me for hanging up on her earlier and smugly said she would call my wifes phone again. This company is very well known to practice harassing and threatening behavior and must be forced to stop or suffer financially for their actions.