WillisBack/dataset-financial-user-claim huggingface dataset:
I received numerous harassing calls from Ad Astra on behalf of XXXX many of which have been from unknown numbers. I was receiving calls from XXXX, XXXX, XXXX as well as Unknown numbers from various representatives from Ad Astra stating that my " File was in there office ''. I inquired as to what file and what they meant when they said it was in their " Office ''. I believe these representatives were misrepresenting themselves in an effort to scare me. In general this company has been predatory from the start of the loan from APR to their collections tactics. In keeping with CFPB 's disparate Impact rulings as it relates to the Payday loan industry I can attest that Ad Astra/XXXX is in violation of predatory lending practices. Their practices and policies are discriminatory and disproportionately have " adverse impact '' against minorities including race, national origin, color, religion, sex, familial status, and XXXX. I believe there is no legitimate, non-discriminatory business need for Ad Astra/ XXXX to practice these policies.
I had a XXXX XXXX of XX/XX/XXXX and my boyfriend is helping me with my credit. When we checked my credit report we noticed 5 credit cards that I never applied, used or signed for that have been closed and charged off. All of the credit cards have the same address and 4 of them were closed on the same day. Which doesn't make any sense. When I have tried to ask questions, or complain, I keep getting the run around, the companies are not found as seperate companies. Even on this site to complain the individual names don't come up. They only come up as XXXX XXXX XXXX.

They are : 1.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$410.00} charge off 2.- XXXX XXXX/XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$450.00} charge off 3.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$460.00} charge off 4.- XXXX XXXX- open XX/XX/XXXXand closed XX/XX/XXXX {$230.00} charge off 5.- XXXX XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$130.00} charge off All at 1XXXX XXXX XXXX, XXXX  WI XXXX
Original Creditor sold " Charged off '' debt to another collection company and has " re-aged '' the debt with false info of when I started the account which is wrong. Original Debt to be cleared with Bankruptcy discharge
I am a member of Experian. I tried to access my account last night to check my report and was told that I had entered the incorrect username or password. I had not. When I tried to reset my password, it asked for my pertinent information : First Name, Last Name, Birthdate, last 4 numbers of my SSN and my mother 's maiden name. After entering this information, it told me that I was not in the system. When I tried to rectify over the phone, it hung up on me. It is all automated and does not give you the option of speaking with a representative. I finally called a number in California and was on hold for 15 minutes before I spoke with a representative. The rep told me that Experian was migrating old accounts to a new accounts and we could not log in to our account. They could not tell me how long it will take. I never received correspondence from them even though they said that they sent emails. They would not forward the email to me. I asked the rep to file a complaint and she said she would. I am concerned.
I opened my first checking and savings account on my own outside of my parents reach in XX/XX/XXXX, even though I have been apart of US Banks customers for 2 years. I have never had an issue like this before, but when I opened the account I was not made aware of the Federal Regulation that says I will charged {$15.00} every time I transfer money from my savings to my checking more than 6 times a month. I was not aware of this at all, and It was not brought to my attention during the entire month. I agree I am young, and not the most educated client they have had, but that is all the more reason they should 've notified of me what I was doing wrong. I have talked to several US Banks representatives and they have been nothing but rude and cold shoulder to the idea of them doing anything wrong. The reason I transferred money so much during the month was because I was using the money in my savings account to buy college stuff, for example ; things for my dorm, and school fees. Because I was not aware of the regulation and was not notified after 6 times that I was going to be charged, I ended up transferring money 23 times. I did not think to check my account transfers earlier in the month because it was never brought to my attention that I was going to charged money to take my own money out. I lost in total {$340.00}. This money was supposed to help me pay off my first college semester, and now that the money has been taken in Withdrawal fees, I am not able to make that payment. I feel very strongly that US Bank is at fault not only for misinforming about my account information, but not being honest in their rebuttal. During the phone call with the representative, she stated several times that I received a " pop up '' explaining I would be charged money to transfer. Not once did I receive this " pop up '', if i would have, I clearly would n't of kept transferring money. I did not receive an email, phone call, nothing. If you look at some of my transfers, they are as little as {$5.00}. It would not make sense for me to transfer {$5.00} just to pay {$15.00} in a withdrawal fee. Now that I am aware of the situation, I will no longer be transferring money from my savings account into my checking account, but I want to be reimbursed for the {$340.00} that was taken out in withdrawal fees. I feel like it is in my rights to have the charges reversed since I was never once informed, notified, or told about them in the first place. Please closely look at the transactions. Yes, it is a federal regulation, and it 's not US Bank taking out the money. But they did lack to inform me, and caused me to lose out on money that was mine to pay for my education. It is an unfair and unjust situation.
On several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX in reference to a collection from JH Portfolio collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. XXXX keeps stating that this debt has been verified however, I am unsure how this could be when XXXX has incorrect information listed in my credit file for my date of birth. JH Portfolio has also aged the account on my credit file for a date prior than when it originally appeared on my credit file. The JH Portfolio collection account is NOT my account and I request that it be deleted from my credit file.
Purchased patio furniture from XXXX XXXX, XXXX XXXX, NY, total amount {$1400.00} on XXXX/XXXX/XXXX. This was charged on a Comenity Bank XXXX XXXX. In addition to the cost of the items I was required to pay an additional {$150.00} for delivery. When I set up the items on XXXX/XXXX/XXXX the chairs and 2 days later the swing set, I noticed the items were defective- the chairs fell apart and the swing set 's material seams were not sewn strong enough and separated. 

I contacted XXXX XXXX and spoke to a fellow named XXXX who claimed he was the store XXXX. He told me I was required to return the defective items to the store. I paid for delivery ; I was expecting them to pick up the items. 

I explained that the sheer size of the chairs and swing set precluded my ability to return them. After all, I paid {$150.00} to have them delivered. He said there was nothing that he could do. I had to return the defective material to the store. 

I then contacted Comenity Bank by phone and explained my situation. They sent out a complaint form dated XXXX/XXXX/XXXX to be completed and returned. I did so on XXXX/XXXX/XXXX and filled in all required information. 

I did not hear anything further until I received a letter from the bank dated XXXX/XXXX/XXXX. I was asked to complete the identical request that was made in XXXX. Again I complied with that request. I then received another request from a letter dated XXXX XXXX, XXXX. Again I complied. I then received another letter dated XXXX/XXXX/XXXX requesting the same information.
capital one credit card closed 7 accounts for no reason. now they will not allow us to use our accumulated points to purchase a new XXXX XXXX product.
After dealing with USAA and being told that they would not update my credit because a payment had not been made I got the answer I was looking for. USAA acknowledged they were wrong and sent a letter to the credit reporting agencies on XX/XX/XXXX that they need to correct what was reported. USAA claims they removed the late fees attached onto the account. I asked that they credit the payment that should have been made in XX/XX/XXXX of {$80.00} and for the XX/XX/XXXX payment of XXXX. They are refusing to give credit of the {$80.00} or {$44.00} as they are claiming they did not get a payment from me, even though I authorized both payments to come out and their representative did not set up the payments. They acknowledged to me in a letter XX/XX/XXXX that I did have a payment set up to come out XXXX which led me to believe I in fact had the first payment go through. No one at USAA can tell me why I was never called after my first payment did n't go through as the account was behind before the payment was set up with XXXX from their member debt solutions team. I then received a letter on XX/XX/XXXX stating that I was behind and needed to make a payment. When asked why I was never notified they could not respond. When asked why they could n't credit the account they said because they never got the payment ... even though there is a letter stating otherwise and that payments were set up. I told usaa and offered to pay the balance in full if they credited the XXXX and the XXXX to my account and that that remaining balance could be and would be paid off in full. This company is turning away my money and still holding my credit hostage.
Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and   XXXX   refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.
I have been having issues with Rent Recovery Solutions LLC. The representative who is in charge of the account with my name on it, " XXXX XXXX '' will not withdraw my debt for XXXX accounts that are in collections. XXXX account, for XXXX in XXXX GA was for a broken lease for XXXX XXXX, with my name printed on the lease but was never signed by me. The other account, for XXXX XXXX XXXX, in XXXX, GA was also an apartment complex that Rent Recovery Solutions says I owe for a broken lease but my name is missing from their collection documents and so is my signature. Rent Recovery Solutions, LLC. will not allow me resolve this debt unless the apartment complex 's corporate office sends them something in writing. The corporate office for XXXX XXXX XXXX, named XXXX XXXX, was able to send in a " debt cancellation/debt withdrawal '' letter acknowledging that they did in fact send my information to Rent Recovery Solutions LLC in error. XXXX XXXX at Rent Recovery Solutions, LLC. advised me on XXXX/XXXX/2015 that she did receive the letter from XXXX XXXX XXXX XXXX XXXX, 'XXXX '' ( Phone XXXX ) to withdraw my debt and that it would take 45 days to remove from their system. She advised me that this would not be removed from my credit report and that there was also still an unpaid account left in my name for XXXX XXXX XXXX XXXX. I recently visited XXXX XXXX XXXX 's Leasing Office with documents from Rent Recovery Solutions proving that my name was missing from their documents and they advised me to get in touch with corporate to have it removed from collections due to error also. I contacted the corporate office of XXXX XXXX XXXX, named XXXX XXXX ( Phone XXXX. XXXX. XXXX ) on XXXX/XXXX/2015, and they advised me that they did not have my name in their system as having a lease with them. I asked if they could send something in writing to XXXX XXXX at Rent Recovery Solutions proving that this account was in error, and the representative at the corporate office advised me that all he could do is call Rent Recovery Solutions and asked for it to be removed, he refused to send any documents on my behalf in writing. After following up with XXXX XXXX at Rent Recovery Solutions, she was becoming very difficult to work with. She advised me that she understood my name or signature was not present on any of the documents she had on file for my account but said my only XXXX options were to get the corporate office of XXXX XXXX XXXX to send something in writing or pay a debt that was not mine. I am unable to get any more responses from the corporate office or from XXXX XXXX at Rent Recovery Solutions and wanted to reach out for more assistance before this becomes a legal matter. XXXX XXXX 's at XXXX XXXX XXXX direct number is : ( XXXX ) XXXX. Please assist me with getting these invalid debts removed from my credit history.
The Credit Card Company is HSBC.

1 ) They promised me checks so that I could transfer $ $ from my XXXX XXXX HELOC to HSBC after my account was approved. Check were supposed to arrive XX/XX/XXXX -- never arrived. 
2 ) So I began the Transfer with XXXX XXXX ... .money finally got over in early XX/XX/XXXX. All good so far.

3 ) On XX/XX/XXXX, HSBC charged me {$230.00} for what they call a " Transaction Fee '' for the Transfer ( 4 % ) My dispute is nobody ever told me I would be charged a fee ... .its buried in their disclosure. My purpose of moving the money was to avoid interest at XXXX as HSBC is interest free for 18 months. Well this {$230.00} ( a hidden fee to rip off people like me ). I want the {$230.00} fee waived as its a shameless move to rip off users.They need to be more upfront. I would not have moved the $ $ had I known it would cost $ $ . Plus, if I had the checks they promised, I could have just written a check ( I stilll have not received the checks they promised me.

NOTE : Their Customer Service is terrible as well
In XXXX of XXXX I was given a loan for a single width mobile home through XXXX Mortgage. They switched it to Green Tree XXXX and next to Ditech. The home started deteriorating in 10 years and is now unsafe to live in as I have had electrical problems and many of the pipes are broken where the bathtub and faucets in the master bathroom are not functioning. The floor under the shower has completely caved in, windows are crooked and allow flies to get into the house in warm weather. Most of the floors have buckled under the legs of furniture and the rain has caused the areas around the windows to buckle. Walls are little more than cardboard. I believe the flooring is waferboard and unfit to for flooring foundation. When I tried to trade this XXXX XXXX, the dealer at the XXXX in XXXX told me he could n't because the house is worth much less than what I owe and that this sounded like a Predatory Mortgage Loan. He said that mobile homes do not have 30 year mortgages because they do n't last that long. He said my loan should have been a 15 year loan at the most. Also, right before Ditech took the predatory loan over, they added about {$100.00} to my monthly payments which went from {$360.00} to {$460.00} a month. Ditech claims the {$100.00} is for insurance, however, as of yet they have repaired nothing although I have made several claims. I was also told I should complain because when they put the mobile home on my property, they did not put it on a cement foundation and instead put it on the ground which has caused the home to sink. Renters have rights, therefore, mortgage holders should also have rights if the predatory lenders do not offer to repair wear and tear on a mobile home. I can not come out of pocket for much because of the monthly payment inflicted on me. I would like to take this to the courts to get justice. Everyone is saying I should not be paying anything. I have taken pictures to back up all my allegations in this complaint. The interest rates are too high, as well.
My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all XXXX credit reports on or around XXXX XXXX, XXXX and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below. 

FCRA XXXX XXXX ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph XXXX XXXX XXXX, the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

XXXX ii XXXX Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
I sent a written verification/validation request after receiving a collection letter from Diversified Consultant in regards to a XXXX XXXX account. In my request I asked for documentation that shows a signed contract between XXXX and myself and also documentation showing any physical identification that was used to obtain the account. Diversified Consultant responded back and only included a billing statement showing the amount supposedly owed to XXXX XXXX. I have no knowledge of an account with XXXX XXXX and have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultant. Currently XXXX XXXX is reporting a delinquent account to my XXXX credit bureaus but can not and has not provide me with verification as required by law. This negative reporting needs to be deleted off all XXXX reporting agencies unless XXXX XXXX or its collection agency Diversified Consultant can provide me with physical proof in the form of a signed contract with my signature and identifying photo ID and social security card that was used to obtain this account
I had an outstanding balance with XXXX XXXX in the amount of {$750.00} with an original XXXX account # XXXX. I had been receiving collection letters from Stellar Recovery, and eventually I paid this account through a settlement on XXXX XXXX, 2016 in the amount of {$220.00}. I have received a settlement letter from Stellar Recovery on XXXX XXXX, 2016 and the account has still not been removed from my XXXX credit bureau as of today. It is actually showing up on my bureau as I opened the account on XXXX XXXX, 2016 and is showing a negative balance and it being late last reported XXXX XXXX, 2016 with a negative balance of {$520.00}. I am trying to purchase a home and my FICO recently went down XXXX points this month and my credit report is showing an active collection. I have tried calling Stellar Recovery and keep getting the run around every time I call them and can never speak directly to a collections manager.
I am filing another complaint against XXXX XXXX XXXX XXXX XXXX for the third time. My first and original complaint was on XXXX XXXX, XXXX and the case number is XXXX. My account had been submitted to XXXX XXXX and my complaint resulted with them ceasing all collection efforts. My second complaint filed was on XXXX XXXX, XXXX and the case number is XXXX, This time it was placed with XXXX XXXX XXXX XXXX. I became aware of them when a summons was placed against me and my mother. My complaint against them, through CFPB, resulted in a notice of discontinuance. 

In this third complaint, my account has/had been placed with Convergent. XXXX XXXX wants to settle XXXX percent of my total balance due. However, have they taken into consideration of the harassment, I have undergone for almost 10 years? They are asking me to settle for {$17.00}, XXXX! Never mind all the harassment I 've received as early as XXXX! Never mind that my first complaint resulted with XXXX XXXX ceasing all collections efforts! Never mind that my second complaint resulted with a notice of discontinuance on behalf of XXXX XXXX XXXX! In addition to having received this letter, I have been getting phone calls from ( XXXX ) XXXX. Most of the calls are sent to my voice mail and the person never leaves any messages. So. I am back to being harassed once again! 

Yesterday, I received a letter from XXXX of a " Notice of Acceleration. '' I do n't know if this is in reference to my account with XXXX XXXX XXXX or not. I do not recognize the account number from XXXX which is : XXXX while the XXXX XXXX XXXX account is : XXXX. These companies continues to switch things around and currently this account has been placed in default! I am sick and tired of this! What about my rights? What makes them think that I am obligated to make a settlement when they have been harassing me off and on for such a long time? If anything, I should be the one compensated for especially now since they have placed this loan in default!