WillisBack/dataset-financial-user-claim huggingface dataset:
I 've received a notice on my credit report that I 'm 60 days past due on a GM Financial Account. I have never missed a payment ever, and I am not late. This is incorrect. I spoke to a customer service rep 3 weeks ago about this and was told that my account is 100 % paid in full, {$0.00} balance. I need this corrected. If this prevents me from obtaining credit due to their false reporting, I will hire an attorney and seek the maximum amount possible due to the false reporting & statements made by their customer service employees by GM Financial.
Recently purchased a mattress and were told they had a 3 year 0 % interest payment plan due to the price of the mattress if using the store credit card. Along with the store personnel we calculated what the monthly cost would be over that time period and were told it should be around $ XXXX/month. Never were we told that the payment is based on a percentage of the balance. Received first months statement and the payment was {$130.00}. We attempted to revise this with XXXX XXXX which is the credit card provider for XXXX and they replied back that they were not willing to change the payment amount and that it is 5 % of the balance and each month the payment will be a little less due to the outstanding balance going down. If you calculate this out over the 3 years there would still be an outstanding balance left at the end which would mean that anyone who thought they would pay it off by the end would either have a much larger payment to attempt to make at the end to not incur the fees or if they were unable to do so all interest that was accrued would be charged to the account. We spoke to XXXX customer service and they said since XXXX took over their credit card processing they have had numerous complaints about this company by customers for a variety of reasons. We now are stuck attempting to make a payment that was double what we were expecting and if we were to return the merchandise they removed our old mattress and we would be left with nothing. XXXX  is very deceitful in their practices and whatever promotions that are being presented to customers should make sure that the people that offer these promotions understand how the terms of the card work and should not promote lower payments and put customers in this position. XXXX should learn how to properly deal with customers or should not be in business. I have a few credit cards that use the 0 % interest financing for large purchases and have never had any of them try and gouge me for double the monthly payments up front. XXXX XXXX  has been wonderful and should replace XXXX as the card provider to XXXX.
XXXX/XXXX/2015 I checked my Experian credit report because I was concerned the XXXX hack might have affected me. I found Experian had added another social security number, another address, and XXXX variations of my name = all wrong. After a lengthy telephone call, Experian agreed to remove the errors. My recommendation to you is that before any credit bureau adds a new social security number, new address, changes the name, they should be required to verify such changes with the person on file ; now they do not. thank you XXXX
Citibank continues to make calls to my home concerning a debt for XXXX XXXX. We have told told them onXX/XX/2015, XX/XX/2015 XX/XX/2015, a total of 21 calls, speaking to a XXXX and XXXX this is not our debt
disputed this account with XXXX, to get proof that this is a account of mind the dispute was done under section 609 of the fcra. XXXX has to show proof to report this on my credit file or remove it.
I am a victim of identity theft. Trans Union willfully violates the FCRA law. On XX/XX/2016, I submitted a dispute to Trans Union via certified mail to them send me verifiable proof of the original signed contact by me with my signature on it for proof of each account listed on my credit dispute as actually belonging to me as stated per FCRA section 609. Trans Union sent me of a copy of there completed investigation dated XX/XX/2016 saying the accounts on my credit were either verified or new information was provided without the support of any documentation of a physical verification of the original signed consumer contract by me to support the results of their investigation of each accounts listed on my credit dispute as belonging to me. My complaint is that Trans Union did not perform a " reasonable investigation '' because they did not send me any physical documentation that support them reporting debt or public record is in fact mine. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for there reporting services could fax, mail or email in a fraudulent account. These account must be deleted from credit file. I have been greatly affected and my score is suffering as a result.
This complaint is regarding AFNI , Inc. claims I have a charged off, closed account in the amount of {$2300.00} that was apparently opened XX/XX/2018. I am writing to advise you that AFNI, Inc. is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching AFNI, Inc. on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX is not bonded in the state of Texas. I am requesting AFNI, Inc. immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 
The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.
I bought my home a year ago and my mortgage was sold to Roundpoint Mortgage Company immediately on a 30-year fixed conventional loan. The previous owner of my home had lived there since XX/XX/XXXX, and knowing that the property taxes would be reassessed and adjusted upon the sale, I decided to wait on impounding my monthly mortgage payment with my taxes. I paid the first installment of my secured taxes and then contacted Roundpoint at the end of XXXX to request my account be impounded. 

Roundpoint notified me on XX/XX/XXXX through their online messaging system, and they disbursed payment to both installments of my supplemental taxes on XX/XX/XXXX. An escrow analysis was sent out on XX/XX/XXXX which included a break down of how much would need to go into the escrow account to pay taxes and a new monthly payment to cover the current escrow shortage. The numbers for the escrow shortage and new monthly payment seemed to match what my mortgage broker estimated it would be when I initially bought the home, so I was prepared to pay the shortage and was satisfied with my new monthly payment effective XX/XX/XXXX. Then, a new escrow analysis was sent out on XX/XX/XXXX with dramatically higher numbers than anticipated. This compelled me to do the calculations myself, and any way I sliced it, it did n't add up to paying a new monthly payment of {$2200.00} after paying a {$9400.00} escrow shortage! The tax statements I sent them only added up to {$8100.00}, so this was very alarming to me. 

This conflict led to a series of phone call conversations with customer service day-after-day, week-after-week until they sent me a third escrow analysis on XX/XX/XXXX that was right in between the reasonable analysis and the outrageous one, but still over by {$1700.00} for the estimated taxes. 

At this point, I decided to send in the form to request to close my escrow account and deal with paying my taxes myself. Roundpoint received my request on XX/XX/XXXX and sent me a notice in the mail indicating they will give me a response within 30 days. In the meantime, I 'm still required to make my XX/XX/XXXX and XX/XX/XXXX monthly payment of {$3000.00}, until it adjusts to {$2600.00} for XX/XX/<YYYY> for fear that my account will become delinquent otherwise. 

Again, after a series of phone calls and conversations to customer service representatives, I learn that my escrow removal request has initially been denied due to an alleged delinquent tax bill that Roundpoint paid on my behalf. However, after contacting the XXXX County property tax office, a representative from the county office confirmed that the delinquent tax bill Roundpoint insisted they paid was actually paid by the estate of the previous owners and was not my bill to pay in the first place! 

I need Roundpoint to cancel my escrow account, calculate the money I just gave them over my original {$1200.00} payments towards the taxes that they did in fact pay on my behalf ( {$1900.00} ) in XXXX, and bring my monthly payments back down to my original amount before I requested to impound my taxes. I no longer trust Roundpoint with impounding my account accurately.
On XX/XX/XXXX I purchased my home through Castle and Cook Mortgage company that deals with Loancare online. I started a hazard insurance policy and flood insurance policy on XX/XX/XXXX. After the XXXX year was up FEMA sent me a statement saying my current policy was not going to be honored. I started making arrangments to create a new policy. As I was making arrangements the check from escrow went out to XXXX XXXX for renewal of XXXX dollars that got changed and then only gave me 11,000 dollars of coverage. I created a new policy with XXXX insurance that could not be finalized till funds were recieved. When i contacted the mortgage company loancare to get a check sent from my escrow account they said they could not send funds because XXXX checks were already sent out. The XXXX check at XXXX and the XXXX of XXXX straight to FEMA, neither that i authorized because I was in process to get a new policy. I was then told i could not cancel the XXXX policy until a dec page was recieved for the policy i created with XXXX. Farmers was unable to get me a dec page until payment was funded, which was not available from my escrow due to XXXX checks being sent out without my authorization. I was able to cancel the homowners policy with XXXX XXXX right away so in this time period I had recieved a refund from them for the homeowners policy which i took and paid the policy through XXXX. At that time I finally got a copy of the dec page and sent this to XXXX XXXX to cancel the XXXX renewal policy which they told me I was unable to cancel because it was past the deadline. So at this point refunded to my escrow account should have been the funds for the homeowners policy and flood policy through XXXX XXXX which never went back due to fault of the loan company. The policy with XXXX XXXX had to stay in place for a year before cancelation since I was passed the cancelation period. So for the next year XX/XX/XXXX I had XXXX policies in place for my flood insurance. I believe this is the main reason why my escrow account is shorted and was at no fault to me. When the policy had to stay in place the XXXX dollars was not refunded to my escrow. So in the end there was the XXXX dollars for the flood policy and the XXXX for the homeowners policy that i paid to XXXX for the new policy, neither were credited to my escrow. I am claiming that the loan company has poor communication and did not notify me of the XXXX check sent and the escrow account being shorted as of XX/XX/XXXX. I was never told that the escrow was shorted and they have been advancing my escfrow account XXXX every month since XXXX to cover their mistake and pin this on me. The XXXX check for XXXX was finally refunded and applied to my escrow on XX/XX/XXXX which brought down the advancement to my escrow to XXXX for the last two months.
I came out of my Chapter XXXX being dismissed in XXXX. I asked Wells Fargo for a loan modification, after three request they sent one. I told the advisor XXXX XXXX that my husband XXXX just graduated from college and had 2 job offers. She told me to send her the offer letter he was accepting with the loan mod package. I asked her for a VOE so  they could get his employment questions answered that I knew would come up with a new job. The mod was denied, they did not count XXXX income because it was a start date ahead from the time I submitted the application. By the time the decision was made XXXX had already started working. I was told I could dispute it by submitting his paystubs. I sent in the dispute with XXXX first paystub. He started in the middle of the pay period. The underwriter failed to contact his company with the XXXX authorization for questions she had, instead denied the file. I called and spoke with a manager who told me I would have to the " restart department '', and file another loan modification because I had a " change in circumstances '' with my XXXX new job.I contacted the restart department who refused to do  anything because I am past 3 years of being delinquent. Although a mod package was sent to me in XXXX this year, the restart department refused to allow me to do the loan mod based on change of circumstances. I contacted the office of the president. I went through two representatives before having to ask for a superior, supervisor. I presented through my lawyer to Wells Fargo an offer to do a " short payoff ''. The request states that Wells Fargo would agree to halt the foreclosure sale and allow time to close on the short payoff with an investor that is willing to refinance my house. I have offered to do the remaining balance over a term of 30 yrs at the same interest rate. I 'm offering Wells Fargo every dime they want although they have put me through XXXX for 4 yrs not working with me when I was XXXX from my car accident that caused this mess. I was called tonight at XXXX before Wells Fargo closed, by the restart department again, acknowledging they got the letter, and they refuse to send it to the liquidation department because my sale date is within 34 days. I asked the woman if she read the letter where they would agree to halt the foreclosure. She said their department is not at liberty to make that decision but she refused to even send the letter to the department that can make the decision. Wells Fargo has messed up on my Save the Dream Grant, my Court Mediation request, several modification packages and now they are messing up my chance to save my home through another investor by doing a short payoff. The restart department within Wells Fargo has absolutely no honest, ethical feelings to do anything for borrowers. I feel i have became a victim of modification loan fraud and foreclosure fraud.
I would like to file a complaint with Consumer Finance department. Capital One is calling anyone they can search who has the same last name as me and they are letting family members know that there is an urgent matter in this call and they need to reach me. I have handled my credit issues with them and they still wo n't stop calling my family who I have not listed on my credit application years ago. 

I learned this is called skip tracing and is illegal. Please help.
Today I read about the lawsuit filed against XXXX/Navient. I am a borrower with several student loans with these companies, dating as far back as 2007. I have been the target of deceptive repayment practices, misalocation of bulk, one-time payments despite explicit instructions, and willful, frequent changes to my repayment structures without my knowledge. Please contact me with instructions on how I should proceed. And thank you for what you are doing.
ERC is collecting for XXXX XXXX / XXXX. I had issues with their service. They did not provide the speeds they promised for the internet and the other services were unreliable. I complained and complained but nothing happened. I came to the end of the contract and I paid my bill. They claimed that I did not pay the final bill and that I did not turn in the equipment. With constant follow up and documentation I guided them to find their " missing '' equipment that was n't missing at all. I should be at zero with this vendor. If they claim that I owe them something it would be and is in dispute. 

ERC is now collecting for XXXX. They have never given me notice of a collection account or I would have disputed the account. I have never been given an opportunity to validate the debt and this is a violation of the fair debt collections practices act. I must be given an opportunity to validate the debt of a 3rd party collection agency. FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.
This is an extension of complaint XXXX. Syncrony bank states that they resolved the issue by mail. They resolved nothing. Nothing has been resolved with this matter. They violated FCRA XXXX here in California. I filed a case against them and I was unable to show up because I am temporairly XXXX and the court stated that I could file again against them if I chose to, which I plan to unless Synrony pays for the statuorty damages for contacting me by phone when i did not ask them to contact me by phone in writting and verbally. 

If Synchrony bank responds back stating that they have no record I will infact use that against them in court and they will have infact purgered themselves because they would be lying. I have all the records I need to show a judge ( AND ONLY THE JUDGE OR ON THE DAY SMALL CLAIMS COURT ) That I indeed was contacted and that the call was recorded. 

Please consider this my one any only chance to mediate this situation in the form of {$1000.00} in debt forgiveness or I will be filing for {$3000.00} in small claims court or perhaps giving this to a Civil attorney. 

Please do not contact me by phone about this matter you can email me, but no phone calls if you wish to discuss settlement XXXX
After paying all my XXXX lease payments on time to Infiniti Financial Services I returned the car to the dealer. Later, I received a final bill of {$3300.00}. I do not dispute the final bill and just before its due date I mailed them {$1100.00}. I called their XXXX number to inform them that I was going to pay this bill in XXXX equal payment. No body answered the phone. So I wrote a note and included that with my payment. They sent me another bill for the balance. Again I tried to call them but no one answered the phone. Shortly after that I received phone call from a company named " XXXX XXXX XXXX '' claiming they have my account for collection. I explained to them that the account is current and Infiniti had a responsibility to inform me if they wanted me to pay someone else for the balance due. I told them that I do not know who they are and refuse to send them any money because this may simply be another scam. I asked them to inform Infiniti that they must inform me in writing new payment address and company. So far I have not heard anything from Infiniti but the collection company, XXXX, keeps calling me with intimidating messages. I do not know who they are and why a current account was referred to a collection agency.
I requested to be considered for TEPSLF on XX/XX/2018. I was denied forgiveness under that program on XX/XX/2018 and the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. The monthly income-driven payment amount calculated using your information on file was {$350.00}. A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This reason for denial does not make sense since my last payment WAS {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.
I have a unverified account from a XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed ExPERIAN a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.
This is the second complaint I have file with Equifax on a fraudulent account on my credit report. I had submit a police report of this fraudulent account and still showing on credit report. I am requesting for Equifax to remove this from my report. I also requested for a manager to call me and never did. They are not protect my right.
ICS KEPT CALLING ME FROM ( XXXX ) XXXX REGARDING # XXXX, COLLECTING FOR XXXX XXXX XXXX IN VIOLATION OF FDCPA, AND TCPA.
I was using BoA cash back deal for XXXX by XXXX. Which is {$15.00} off for over {$20.00} transaction. But BoA did n't give me the cash back. Account type BankAmericard Cash Rewards Visa Platinum Transaction description XXXX BY XXXX Posting date XXXX/XXXX/2017 Transaction date XXXX/XXXX/2017 Order date XXXX/XXXX/2017 Amount {$23.00}