WillisBack/dataset-financial-user-claim huggingface dataset:
Hunter Warfield has not complied with the law to give me a remedy regarding a debt that I asked for validation on or about XX/XX/XXXX. I sent a letter, via certified mail return receipt, explaining to the company that I did not recognize the debt being reported to the credit reporting agencies, as I am a victim of ID theft. I confirmed with the post office that my letter was signed for. 

However, I never received the return receipt confirmation from Hunter Warfield. I waited for debt validation for over 45 days and never received the validation. After the 45 days, I filed an ID theft report with the FTC and all 3 credit reporting agencies. Additionally, I sent a second letter to Hunter Warfield explaining to the company that it failed to validate the debt of XXXX XXXX, and how it was a debt resulting from ID theft ; therefore, I am requesting it be removed and blocked from my credit file. As of today, XX/XX/XXXX, the debt is still reporting with a limit increase ; however, I finally received a letter from Hunter Warfield at the end of XXXX stating they would not continue collections on this account until a investigation was complete within 30 days. 

My issue with this investigation is that Hunter Warfield is attempting to shift the burden of proof of my ID theft to me, victimizing me a second time, as if, I committed the crime of ID theft. The company failed to address any of the questions I asked in my debt validation letter. Additionally, it did not give me due process at law when they ignored my first attempt to address the validation of debt. This process is all new to me, and I did not know that I had all of the remedies in law to protect myself against ID theft or fraud to my credit. Thus, I have experienced many credit fraud since about XXXX. Maybe I did not express my letters according to an attorney ; however, that does not give Hunter Warfield the right to ignore mail, as consumers are protected by the United States Post Office. I am spending a lot of money for postage to address my ID theft issues ;  therefore, I expect due process.
I signed up for a XXXX Extra Points Visa Card with barclaycard. I was informed that I would receive bonus points for my payment of my XXXX XXXX SBL ( Seat Builder License ). However, I just made my payment for that license on XXXX/XXXX/16 for {$4000.00}. However, the company did not aware me the correct bonus rewards as promised.
I have recently sent 3 certified letters sinceXX/XX/XXXX-XX/XX/XXXX to all 3 credit agencys to delete accounts ( listed below ). They continue to say they verified the accounts, but never told me who they verified the accounts with, no contracts showing the accounts are mine, nor signatures. Also usually is over 30 days for a response, which is against the law of the FCRA. Please delete Accounts listed below Experian- ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX #  XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX ) XXXX- ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX
I called Navy Federal Credit Union on XXXX XXXX, 2016 and confirmed with their Collections Department that my auto was not in repossession status. I paid {$650.00} on XXXX XXXX, 2016. The balance currently due is {$330.00} ( partial XXXX and XXXX payments ). My vehicle was towed from my home on Monday, XXXX XXXX, 2016 by XXXX XXXX. I contacted Navy Federal Credit Union 's collection department and was transferred to NFCU 's " Repossession '' Department. I spoke to XXXX XXXX who informed me my vehicle would not be returned unless I paid a {$370.00} repossession fee directly to XXXX XXXX ( a towing company ) plus {$330.00} in loan payments to NFCU. My mother, XXXX XXXX, visited NFCU 's headquarters office in XXXX, VA on Monday evening and Tuesday morning and spoke to a Member Services Representative, XXXX XXXX. My mother has a XXXX XXXX XXXX Attorney, that XXXX XXXX, CC Resolution Specialist/XXXX Contact Center refused to accept as sufficient on Monday evening. As of Yesterday, Tuesday, XXXX XXXX, 2016, my balance with XXXX XXXX has increased by {$25.00} per day until full payment to both parties. I intend to pay the total balances due on Friday, XXXX XXXX, 2016 which is the best I can do since I have been without full time employment for a while. I started a new job on Monday, XXXX XXXX, 2016 that will enable me to pay my loan on a timely basis from now on. XXXX XXXX XXXX, Manager (? ) of XXXX XXXX informed me yesterday that my car can be auctioned at any time until the full balance is paid. XXXX XXXX, NFCU Member Service Representative, confirmed yesterday that I have 10 days to pay the full balance to both XXXX and NFCU to obtain my car without it going to auction. 
Since the {$650.00} payment would have taken my car out of repossession status on XXXX XXXX, 2016 if it had been in that status, I would like Navy Federal Credit Union to authorize XXXX to return my car back to my home address where it was taken illegally and waive the {$500.00} payment that will be required when I am able to render it on Friday, XXXX XXXX, 2016. XXXX and XXXX XXXX, NFU Repossession Department, seem determined to make me pay {$370.00} ( repossession fee ) plus a daily storage fee until payment is made to XXXX. This is a very unscrupulous business practice since my car was not in repossession status when towed on Monday, XXXX XXXX, 2016. NFCU staff first stutter, then inform me that " you should have told someone you made the payment. '' Payment was made at the XXXX branch of NFCU. This was also the response I received from " XXXX '', Branch Manager, XXXX. All parties acknowledged that the payment can be see in their " system. ''
University XXXX , CTXX/XX/XXXX Discover Student Loans verbally harassed and disrespected me. They called me at inappropriate times, they hung up the phone on me, they stole money from me, they gave me the run around, they reported my loan to collections. XX/XX/XXXX they overcharged me on student loan payments. The charged me late fees when I was n't even making any real money. I signed up for an Income based repayment plan and they took out more money than was authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would. I ended up waiting an additional 2 weeks for XXXX refund. They stole more money out of my account a second time and I had to wait another 2 weeks for a XXXX refund. They never gave me a fair chance at paying off my student loan. I have complained numerous times XX/XX/XXXX and here we are XX/XX/XXXX with no help. The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. I think I got harassed because I do n't have a white sounding last name, or because Discover Student Loans has a history of illegal practices.
XXXX XXXX XXXX 's XXXX XXXX at XXXX id # XXXX called my employer on multiple occasions after being told to stop, ex employers, ex husband, his mew wife, my choldren, family, coworkers, people i dont associate with, EVEN after being told by them to stop contacting them, they continue, my employer wrote me up for this and they wont stop
In XX/XX/2018 I made an online payment of {$170.00} to Citi using my checking account. After making the payment I was told by Citibank customer service that my funds were available immediately for cash advance or purchase. However, when I attempted to get a cash advance, it was declined. I spent the next 3 days arguing with Citibank about the misinformation they had given me. I was travelling and needed the funds for an emergency. I informed Citibank that since they had erroneously told me that I could get cash that I would have to take the cash from my checking account. This would make my payment to Citi return. I asked them to cancel transaction, but they claimed they could not. I spoke to someone named XXXX in the escalated customer service office and she was completely unhelpful. She lied and stated that she would listen to phone calls between myself and Citi representatives. If she had done so, she would have heard the misinformation given. Citibank does not want to take responsibility for creating this returned item. Instead they want to collect a {$25.00} returned item fee. I'm sure this is happening to other customers and they need to be investigated and fined. Just another way for greedy corporations to cheat people out of money. People like XXXX and XXXX from corporate escalations are part of the problem.
For the past XXXX months, XXXX, XXXX and XXXX of XX/XX/XXXX bank of america 's fraud department has continuously flagged my account and prevented me from making purchases at any automated fuel pumps. On each occasion I 've had to call and verify that I am in fact the person making the transaction. I 've also called to have my account unrestricted but, the problem still was not resolved. After speaking with a supervisor on my XXXX consecutive call I was told that it was because they had a wrong address in the system. However the problem still persist today. I 've had this account since XX/XX/XXXX and have been a loyal customer for years I find it extremely disappointing not to mention concerning that I can not count on my financial institution.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I received a prepaid card in the mail from netSpend, ready to activate. This is not ok- it 's dangerous to send a ready-to-activate card that anyone could intercept. Additionally, this card incurs all sorts of fees for any type of service you use if for, so it 's very misleading and like a trap.
Two unauthorized inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX on XX/XX/2018 and XX/XX/2018. 

I called them and they said they did not check my credit. I opened an investigation with Equifax and Equifax confirmed the inquiries.
Navient misallocated payments, steered struggling borrower toward NOT BEING ABLE TO RECEIVE INcome-driven repayment plans, and HAS provided unclear information on how to receive a forbearance and deferment for the student who receives public assistance and who is unemployed.
I have disputed a XXXX  ER Bill after a minor car accident XX/XX/XXXX. XXXX claimed XXXX denied the claim and XXXX refused to resubmit to include additional detail. 

I paid the debt in full, {$480.00}, to Renton Collections by check XX/XX/XXXX. The collector assured me that a receipt would be mailed upon receipt of the payment. The check has been processed. 

I need that receipt in order to file an appeal with XXXX XXXX Medicare. As of today XX/XX/XXXX, I have received nothing.
I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their executive level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.
I called Fay Servicing and they said they received the loan modification packet and it is in review. I informed them that I have a sales date on this coming MONDAY XXXX XXXX, 2015. I was connected into the recorder of the person named " Grant '' who handles my file but he was not there? So I left a message! 
DUAL TRACKING -- DUAL TRACKING : By failing to adhere to both California law and the rules under CFPB, The party ( XXXX ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 
Please inform Parties as to their deficiencies. 
Sales date : XXXX/XXXX/15Loan number : XXXXFay Servicing, XXXX XXXX XXXX, XXXX XXXX, IL XXXXFay Servicing Account number : XXXXTrustee : XXXX XXXX, XXXX
This is my third complaint against this company. After doing some more research on my situation I feel that I may be a victim of discrimination from the dealership I got my loan through. My state 's usury law states that any loan with interest over 18 % is a violation however, car dealerships can be exempt from this law if they have a license. So I would like to know why the dealership charged me 18.23 %? My last name is of XXXX XXXX origin spelled XXXX XXXX XXXX. Perhaps the dealership markup was due to my race? I want some answers. I have contacted the bank lender Santander Consumer USA and they told me it was within the rights of the dealership to markup the interest above the state legal limit. So, why did they do it? Do I have a case to take some legal action? If discrimination is n't the reason why the interest rate exceeds the state legal limit then what is the reason? Did this dealership have the proper license to markup the interest? Apparently, there is a special license needed by the dealership. I would like proof in writing. I have considered taking legal action against the lender because they should know the usury laws, so this bank and all banks should be held accountable even when dealerships markup the interest rate, and paying more close attention to minorities like myself to make sure their customers are n't being taken advantage of. I feel that I have been taken advantage of severely. I owe XXXX still on a car that was bought used and now only worth XXXX. I have a simple interest loan, so I am paying {$6.00} a day just in interest.
I received XXXX notices from Transworld Systems Inc. that my student loans were eligible for default. The letters went on to say that Transworld verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both Transworld and the lender told me this was a mistake by Transworld, that they accidentally sent out XXXX these letters to consumers. This is atrocious.
My first dispute Letter was Sent XX/XX/XXXX.

My second dispute letter was sent XX/XX/XXXX.

My third dispute letter was sent was sent XX/XX/XXXX XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature.

XXXX has not provided this consumer with the information of who Verified these accounts by virtue of proper documentation containing my signature concerning a debt that is owed.

XXXX is now in violation of the FCRA and noncomplient.
This is a complaint from XXXX ( consumer ) against XXXX ( creditor ). XXXX Bank has unfairly and deceptively misrepresented its mailing address, making it difficult for consumers to contact it and resolve disputed debts. 

As of XX/XX/2017, XXXX is reporting an open collection account on Consumer 's XXXX credit report [ see exhibit A ]. Consumer does not recognize this debt, so on XX/XX/2017, consumer ( through legal counsel ) sent a written request for documentation to the contact address provided by XXXX in the credit report which requested documentation regarding the original debt [ see exhibit B ]. 
On XX/XX/2017, the letter was returned to sender and marked as " Not Deliverable as Addressed. '' [ See Exhibit C ] This letter was sent to the address listed as the creditor 's contact information on page 38 of consumer 's credit report. Despite a records and internet search no other mailing address, phone number, fax number or email address could be found. Without a valid mailing address, XXXX can not obtain information regarding the debt and therefore can not make an informed decision about it. 

XXXX is a sophisticated party in the consumer debt industry and is aware of the need to be available for consumer inquiries. Knowing this, XXXX has made it virtually impossible for a consumer to initiate communication with it. I can only surmise that XXXX 's isolation and obscurity is intentional and for the purpose of unfairly frustrating, deceiving and abusing consumers.
A loan was made with the federal government, sent to CBE collections agency to collect the debt and is now in the stages of harassment. They have called friends and family looking for me. It is to the point of inappropriate and a disgrace as the payment is in full.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX consumer number XXXX.
Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
My debit card was stolen. When I notified the company, they told me because the thief used my PIN that all charges were not fraudulent.
Navient pulled 2 payments, giving NO RECEIPT of Payment and STILL will not return my one payment and it's my rent. 

Normally, when a payment is made with ANY company you receive an AUTOMATIC receipt into your email box however NAVIENT is crooked and they offer nothing. Had I received a receipt for my alleged two payments I could have halted it right there and would have known they did this. 

I called the bank and they have to wait until Navient actually gets the money and I called Navient and the kid said he can't do anything until they get the money. So I can't pay my rent now because NAVIENT pulled 2 payments when I only PAID OFF one loan. 

This is such a disservice and crooked tactic. NAVIENT should be required to forward payment receipts IMMEDIATELY so that the CONSUMER knows whats going on. I have every intention of taking this to the highest level because they are crooked!!!!
Auto loan contracts require one to maintain comprehensive and collision physical damage insurance on behalf of the lender throughout the term of the loan. I already had insurance coverage and a shop where repairs could be handled if necessary. Therefore, this additional coverage was neither necessary nor required. However, Santander through its third party representative, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) placed XXXX XXXX XXXX insurance on the vehicle in 2013, and I was not made aware of the charge at the time. The additional charges financially harmed me totaling {$2500.00} dollars which was never refunded. I contacted the company and requested cancellation which was approved and was informed that Santander Consumer USA would be responsible for refunding the dollar amount applied to the loan within 8-10 weeks. ( See attached letter ). However, as of this date, I never received anything and it resulted in a high loan payment. Subsequently, I contacted the company and requested that they come and pick the vehicle up and advise me of the date of their arrival. Santander is reporting that the amount was charged off with an incorrect amount in which they doubled to make it show up on my credit report as thou I owe them {$5100.00}. Santander never refunded the {$2500.00} illegally added to the account.
I have 1 student loan over 10 years old that was charged off and sold..The loan is now showing as 19 closed accounts on my credit report, with all three reporting agencies. I have disputed over and over. The negative marks are removed and just added, again. Ugghhh!!! What do I do? I'm good with credit, I work hard and my credit score is low 500 's. How do I move on and get these negative fraudulent marks permanently removed from my credit report??? This is illegal, the original company wrote it off as a tax write off and sold the account. I have no binding contract with them. I want this removed permanently from all three reporting credit agencies.
Have made several additional payments to the subsidized loan amount and submitted funds according to American Education Services requirements along with a letter stating specifically the amount to be applied to the subsidized loan. Twice now, they have split the amount between the subsidized and subsidized amount and it has taken 2 months to dixe the problem. Now they have done it again, even though I sent them a form letter from their website stating where I wanted the extra funds to be applied. I feel this is predatory practice and I am unable to find any solution to this.
During the time was going thru treatment for XXXX XXXX in XXXX credit cards were stolen and charges were made with out my knowledge or consent.I called the creditors who refused to help and they instead sent the accounts for collection. I have disputed the account many times they miss report the dates and sold the debts to third party agency who keep renewing the age of the debt