WillisBack/dataset-financial-user-claim huggingface dataset:
Account : GM Financial # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, XXXX and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to GM Financial for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, XXXX and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
EXPERIAN. XXXX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT XXXX XXXX  CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX XXXX ... PAIDED IN FULL XXXX CREDIT CARD.. INCORRECT BALANCE XXXX CREDIT CARD.. INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ad astra recovery service for {$400.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ad astra recovery service did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX   reported the debt was verified at the previous amount. Of {$400.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Allied Interstate is reporting a {$370.00} XXXX bill with all XXXX credit bureaus. I called XXXX on XXXX/XXXX/15 and spoke with XXXX at XXXX CST. He advised that XXXX does not have validation to send me & that I would have to contact XXXX for that. I spoke with XXXX at XXXX & he stated that I do n't have an outstanding account or balance with them. I 'm curious as to how this debt is validated as mine. Furthermore, I have never received a notification via phone or mail of them attempting to collect a debt from me. I also was not given a chance to dispute this debt. They have made no attempt whatsoever to try and contact me. this is in direct violation of the FCRA. No collection company should be able to take it upon themselves to just report on a consumers credit report. I want this debt validated that it belongs to me or deleted from all XXXX of my credit reports. I am also filing a complaint with the States Attorney 's office regarding this issue.
Quicken Loans. I Called to start a v.a. home loan. I started with XXXX, a high pressure salesman. I informed him that I was interested in pursuing a v.a. loan but needed to finish replacing the roof on my home before i began. he immediately requested my Social Security Number and pulled a credit report and informed me that i qualified for a good rate. he then pressured me into rate locking, even though i had informed him that i was going to be taking some time before proceeding with the loan to complete renovations on my home. I uploaded all documents requested of me, along with these documents was a statement of my home owners association dues. I live in a single family detached home in a private homeowners association of which XXXX was aware of. We are also on a community well. They requested credit card information to proceed with getting a appraisal scheduled. My credit card was debited immediately and i never got contacted to schedule an appraisal for over 3 weeks. After the appraisal, i was contacted by quicken to inform me that because i was requesting a V.A. loan and i lived in a " Condo '' complex, there was further paperwork required to obtain an aproved V.A. Condo I.D . This document takes 60-90 days to process thru the V.A. and quicken does not assist with that process. I do not live in a Condo complex and i have never heard of such a thing. I was then told that i would still qualify for a standard mortgage at a slightly higher rate. I started to proceed in that direction until a few days later i get the call informing me that because i filed for bankruptcy 3.5 years ago, i was automatically disqualified. XXXX had all my financial documentation almost 60 days prior. They were well informed of my bankruptcy since day 1. Why they attempted to place me in a standard mortgage after the failed V.A. attempt is further discouragement. Quicken mishandled this case from step one. Again, I do not live in a condo. Never heard of a V.A. Condo I.D . before and had no idea it applied to an association. No refund!? 

Desired Settlement : Billing AdjustmentQuit placing blame on the consumer and take ownership of your advertising. You do NOT specialize in V.A. loans. You specialize in making money for yourselves and when you XXXX blame the customer. Learn from your mistakes. If in the future, you get a client on the phone and they inform you that they live in an association, the questions should be asked to ensure that the HOA is not considered to be a " Condo '' I certainly did not know that ... writing mortgages is not my specialty.
i have sent now twice the information regarding this account this morning i faxed to XXXX acct # XXXX XXXX ; this account is from idenity theft and i have had issues with this from somepone is this area for quite abit please remove this account asap i am sending the police report and id theft affidavit notarized again.
I have begin paying my Citibank student loan since XX/XX/XXXX, religiously. The only times I have ever missed a payment is if I was having financial difficulties or was ill. In XX/XX/XXXX, my account was closed and transferred to XXXX which is a XXXX extension and still under Citibank. How are they allowed to close accounts and move around under different shadow names without being noticed. The original loan amount was {$6400.00}. I have now Paid over twice the amount of the original loan plus XXXX extra. I have noticed that every 3 months they increased my interest rate by .25 %. Not only that, but I printed my account payment for XX/XX/XXXX from my online account portal for one amount in late XX/XX/XXXX after XXXX and I received my bill in the mail for same amount due on same date for a different amount. On my credit report they have placed remarks such as affected by natural disaster and I have never disclosed anything of that nature to them. I'm just at my wits end with what they are doing. I want to know if this is right and/or legal? It can't possibly be!!! It states on my credit report for this account that I'm in a repayment term of {$110.00} x 240 months which equals {$27000.00} for a {$6400.00} loan which equals XXXX times the amount borrowed. Furthermore, if I even called to ask for some sort of leeway, there was no compromise and always an excuse as to why I couldn't get an valid extension. I can not access my Citibank account whatsoever to print out all my prior payment information. I have done this on my XXXX account to investigate why have my loan really not done much going down. I have realized that not only are they increasing the interest every 3 months but they are also not applying all my payments to my Principal balance but instead are apply most of my payments to interest. Please help me figure this out, because this XX/XX/XXXX makes 8 years with no end in sight. I honestly feel like something is not right. I am disgusted and desperate. 

These are the actual payments made each year. I have proof of everything. 

Year. [ Actual Payment Due ] = Estimated Amts PAID XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & [ XXXX for late payment ] = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX = XXXX [ XXXX, XXXX, XXXX ] = XXXX All Extra Payments XX/XX/XXXX _ XXXX, XXXX, XXXX, XXXX = XXXX Total Paid. XXXX If there is any further information needed. I will be sure to send it over. 


PLEASE, PLEASE HELP!!!!
This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe them.
On XXXXX-2017 Bank of America charged me an interest fee of {$11.00} after i had already initiated a balance transfer but was delayed since bank of America refused to provide me information XXXX XXXX bank needed. I called Bank of America and the respresntatives said he could not provide me the informatiom but suggested i go online. I did go ahead and process the balance transfer but took longer than expected due to Bank of America 's lack of assistance to work with a nearly 3 year customer.
Sir/Ma'am I am currently enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I am a XXXX XXXX service member in the XXXX since XX/XX/XXXX. My consolidated student loan was initially handled by XXXX. I was switched over to XXXX XXXX in XXXX. 

Since being switched over to XXXX  XXXX I have submitted proof of XXXX XXXX service multiple times and have submitted verification of my employment status to receive the most up to date qualifying number of payments towards my student loans. I noticed a discrepancy in the number of payments credited by XXXX  XXXX XXXX in XXXX towards the Public Service Loan Forgiveness program. All the payments I made to XXXX between XXXX and XXXX were never recorded as qualifying payments ( please find attached ). I have brought this to the attention of XXXX  XXXX   and requested a review of my payment history in XX/XX/XXXX. 

Since submitting the review request in XX/XX/XXXX I have tried to follow-up multiple times but have not received any feedback when the payments will be incorporated and credited to my account. I was initially told by the loan officer that the review takes 90 business days. However, after my last conversation in XXXX that time line has been disregarded and no situational awareness appears to be present as to the status of the review. 

XXXX XXXX has had a history of not calculating or making errors in managing the payments made towards the public service loan forgiveness program. Therefore, I am trying to be proactive and have the service provider fix any discrepancies as close to the source of error as possible. Thank you for your consideration.
Yesterday, I went to the Cash Store to see XXXX XXXX who is a manager.She was not willing to change date of payment. I told her I have another loan in same day each of monthly. I will have to pay {$65.00} to the Cash Store every month but my main concern they are rip off {$65.00} is too much. I loaned {$190.00} it should be low payment installment. She was refused to move payment XX/XX/XXXX instead of XX/XX/XXXX.But I would still refuse to pay to due XX/XX/XXXX until we agreed. 
Other guy employee said first month to pay {$65.00} then second monthly will be reduce {$58.00} but I did not understand why XXXX was not aware of this. 
I will address to the U.S.Senator office and contact FTC. Loan payment too higher might be not appropriate. 
I will contact you on Monday or Tuesday. 
Ps. I will request make a copy document from Cash Store next week.
1. XXXX and XXXX collection company posted a {$XXXX} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General of Texas..
visited the free credit report website and then proceeded to the Experian site where I was told that I must make a {$1.00} refundable deposit, When I did so, foolishly, I was deceptively signed up fr a credit monitoring service. It wa not my undestanding that this was nautomatic ad that I had to physically cncel XXXX service =, ecause this was done wthout my knowledge, I did not cancel aything until I recived a charge on my checking account for {$2.00}. I di cal and complain but was told. too bad.
I had to put a new roof on my house last month do to wind and hail damage. I have paid out of pocket for the repairs. I have XXXX statefarm checks for settlement less than what I have paid out. Bank of America 's XXXX web page did not lead me to property claim processing. So I called them. They said go to XXXX which I have for the last 3 days the last XXXX web page unavailable. Before the web page went down there were XXXX more PDF documents to be printed and sent to XXXX XXXX, California for check endorsement. The customer service reviews were horrid. With the web page down I want a local officer in a branch to endorse the checks.
Upon ordering my annual credit report I noticed the company Ad Astra on my file. The entry was from a " XXXX '' account. Ad Astra was sent letters to verify and validate the debt, but I never received documentation to validate nor verify the debt. Additionally by law consumers should receive Dunning Letters so that they may dispute a debt in question. To my knowledge, Ad Astra Recovery has never forwarded a Dunning Letter to my attention and my address has been the same for over 4 years now. 

The company has not provided any information including the original contract with Ad Astra. I do not have a contract with Ad Astra.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as ofXX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Experian is currently reporting a Ch XXXX Bankruptcy on my personal credit report. However, the name and address associated with the bankruptcy does not match either of mine. I have requested they remove the item but they have not yet despite my continued disputing of the item. 

The associated line item has an acct # of XXXX on my credit report.
I refinanced my two federal student loans this past year with a consolidated private loan. Prior to refinancing the interest paid on both loans were always eligible for a XXXX. 

Now, Navient is refusing to recognize the interest paid on the new loan as eligible for a XXXX. Interest paid on a refinanced student loan is eligible for tax deduction for an Individual tax payer.
On XX/XX/2017 I contacted PORTFOLIO RECOVERY, XXXX XXXX XXXX, XXXX, VA XXXX ( # XXXX ) after finding out that my name was listed under a collection action with a credit card balance of {$1500.00}. The original creditor was XXXX XXXX. First, no one from the recovery company contacted me personally, verbally or in writing to discuss this or even request payment. No court action was filed and in fact no proof has been provided to the credit networks to justify this collection action submitted to the credit networks naming me, XXXX XXXX XXXX. I was a co-signer on this account but was never told the account was in arrears or that a collection action was about to take place. If they can name me for being responsible, and so list my name under a collection action on my credit report, why could they not notify me in writing to have a chance to resolve this before they took it to collections?
XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section  requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
We are dealing with CCO Mortgage in XXXX XXXX. VA. We are in our XXXX month of trying to get a loan modification, which they told us we are eligible for this and that we also are eligible for other programs. We filled out paperwork and sent forms over and over maybe XXXX times and we are told that they do not have forms and that we are in default because we did not comply on time. We can document and prove that all paperwork has been sent many times. We want others to know that they are also dealing with a company that is not certified by the XXXX.
I received a collection notice from Franklin collections in XXXX Mississippi for an XXXX XXXX XXXX bill that I had disputed. I asked them to turn my phone off and they billed me for two more months. I agreed to pay Franklin collections {$100.00} to settle the debt, {$40.00} on XX/XX/XXXX and {$60.00} on XX/XX/XXXX and they agreed not to report it. No sooner than they got my money they reported it anyway. I held my end of the agreement but they didn't.
I have a hard inquiry from XXXX on XXXX XXXX. I do recognize the inquiry and did not authorize it.
I contacted Commercial Credit Counseling Services , Inc. dba XXXX XXXX ( XXXX  ) in XX/XX/2018 when I was having trouble paying my business debt. I never missed a business debt payment and wasn't late. However, I was told that they were expert negotiators that could get my business debt settled for a fraction of my balances and " buy me time '' and free up my cash flow. The sales person told me that they charge a total of 2 % of what I owe my creditors, plus 30 % of the difference between what I owe my creditors and what they settle the debt for. I was told that the settlements would be structured over a 5 year period from the time settlement was made with each creditor. They were going to do ACH debits weekly in order to build up a balance in an account they held that was to pay settlements in the future. It was very important that I build up my account with them so the funds would be ready to make deals with my creditors. The representative from XXXX  told me on the phone to stop paying my creditors to open a new bank account and to pay XXXX  directly. 

One month later XXXX XXXX informed me that they " settled '' with one of the creditors. The amount owed to the creditor was {$39000.00}, XXXX  settled for {$27000.00} a 30 % settlement. However, the payback is {$450.00} for 60 months to the creditor. The fee to XXXX for this service is {$390.00} for 60 months + {$15.00} for each monthly transaction + a one time fee of {$3000.00}. Grand total payback to XXXX is : {$27000.00}. 

How is this legal? I hired them to settle a debt for me, not increase a debt by over $ 15K. This is a simple case of fraud. 

In reviewing my emails from XXXX, they purposely avoided using certain words ; however, the phone conversations were quite different. I was misled and lied to. I understand why several states including Indiana, and Oregon has issued this company ceased and desist orders. 

I am canceling the agreement I have with XXXX  and requesting the full refund of every dollar I paid them. I believe and can prove that their deceptive practices void the agreement.
CAPITAL ONE AUTO FINANCE ACCOUNT # XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Unfair and Deceptive Business Practices : XXXX   law Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) Remove this credit information from my report. This company made payment arrangement with me and at the same time maliciously contacted the repo company. The company then sold the car without allowing me to get my car back less than the amount of the remaining on the car. It was XX/XX/XXXX brand new purchased by me in XX/XX/XXXX. Capital one then decided to come after me for the {$7700.00}. I wrote them and I was asked to settle for {$990.00}. The bill of {$7700.00} was not mine. Capital One Auto should have sold the car for the amount that will not left a balance. Asking me to pay {$7700.00} after maliciously taking my car and left me with no car that made me to lose my job because I could not get to my job on time without a car. The {$7700.00} was placed in my credit reports as if the car has not been repossessed.