WillisBack/dataset-financial-user-claim huggingface dataset:
I have financed my automobile through Nissan Motor Finance since XXXX of XXXX. I have a 5 year loan on my vehicle. My monthly payments were made via auto pay on time every month for 3 years without incident. In XXXX of XXXX, Nissan Finance, without any warning or notification, simply stopped taking my auto payments. I received no late payment notice, and only stumbled upon the fact that the XXXX payment was not taken when the XXXX  payment came due..by this time the XXXX payment had been reported to the credit reporting agencies as 30 days past due.
According to Nissan, although I have a 5 year loan, the auto payment option stopped at the end of three years and had to be manually reinstated by me via their website at that time. I had no idea, nothing in the loan paperwork tells me this. One might have thought they might have notified me that this was the case.
I have reinstated the auto pay, and all payments continue to be made every month.
Attempts to have the late payment removed from my credit report have been futile. I feel strongly that this should not be on my credit report, as I did not " miss '' a payment.
I am indisputably owed {$2500.00} from Chase. I was a victim of identity fraud through my Chase checking account when, on XXXX XXXX, 2016, a Chase banker issued a new chip debit card to someone impersonating me in West Virginia while I was traveling in XXXX and that person used that new card to withdraw {$2500.00} from my account. Because of this, Chase closed my checking account but withheld the {$2500.00} from me because it was still " under investigation. '' Chase completed the investigation and acknowledged on or about XXXX XXXX that the {$2500.00} was fraudulently withdrawn and that the remaining funds Chase kept while conducting the investigation ( {$2500.00} ) should be returned to me. I have made multiple calls to Chase and each representative told me to wait for the claim to be finalized before I would receive my {$2500.00} back and that they had until XXXX XXXX, 2016 to do so. I do now know why it took them another six weeks to finalize a claim that had been resolved XX/XX/XXXX. The claim was in fact finalized on XXXX XXXX and I was told a {$2500.00} check would be released to me and that I had to wait for 7-10 business days for this to arrive in the mail. I did NOT receive this check by XXXX XXXX and called again on XXXX XXXX and was told the funds were still " in suspension '' and had not been released yet but was promised that they would be released in 1-2 days and then a check overnighted to me and that I would receive a check by Monday XXXX XXXX. I did NOT receive a check by XXXX XXXX, so I called again and being told again that I must wait another 10 business days to receive this check. I have called to manage this at least 15 times over the past 3 months since this identity theft occurred. I have been told repeatedly that I needed to wait to receive a check and the new deadline passes and then I 'm told to wait again. I speak with a different person each time, including multiple supervisors, who all promise to call me back but I have never received even one phone call back. No one will give me a way to reach them so I start over each time with a new person each time I call. Each time I call I am then told something different by someone else, regardless of what " the notes '' say from my prior call, and each time I am told to wait again. It is now 20 days past the finalization of this claim and there is still no one who will assure me that this {$2500.00} is being sent to me.
I have now tried THREE TIMES via direct dispute with XXXX, XXXX, and oh boy, XXXX! to have the account status of a PAID COLLECTION FROM XXXX XXXX updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor and they are the ones falsely reporting this information! I've called to have this updated and they SWORE OVER AND OVER THEY NEVER REPORTED IT AS PERSONAL RECEIVERSHIP INCLUDED IN BANKRUPTCY BUT WHERE ELSE COULD IT HAVE COME FROM?! They get notified everytime I submit the dispute and I included comments specific to the account status being incorrect! WHY CAN'T THEY JUST REPORT IT AS A PAID COLLECTION?! IF IT'S THIS MUCH TROUBLE, JUST DELETE IT FROM MY REPORT! I have NEVER had SO many problems with something SO XXXX simple!
My mortgage is with  XXXX   XXXX   XXXX . They hired  Loan Care t o handle the escrow money up until   XXXX   XXXX   XXXX    , then  XXXX  hired  XXXX .    Loan Care pai d a real estate tax payment and withdrew the funds out of my escrow, the  City o f  XXXX  did not apply this money to my account. During this time  XXXX  noticed my RE Tax payment was late so they paid the late tax bill and withdrew the money out of my escrow account again not realizing that this is now a double payment.   I have the proof from the city that the money was never applied to my account and i have proof that the money was taken from my escrow twice.   I have tried to reach  Loan Care  and  XXXX   XXXX  has tried to reac h Loan Care. T hey are not returning my calls and they told  XXXX  that the payment was made with other tax payments in  XXXX  check but they are not going the extra step to either give me the check info so that i can research it or call the  City o f  XXXX  themselves to get this straightened out.   they owe me {$1600.00} plus late fees paid to the  City o f  XXXX  and interest to me.
I looked up a property in XXXX XXXX, FL. I called the number from XXXX XXXX XXXX and obtained information via phone. The so called owner agreed to sign a 2 year lease ; we completed background checks and filled out the lease agreement, sent images of our licenses and signed. So called owner was to ship the keys to us but there was a delay with the husband stating that he found another party that was willing to pay 6 months in advance. We agreed to give an additional 2 months of rent which in term he agreed as well. After we transferred money to their lawyer they told us they sent the keys and would be getting back to us with a confirmation from XXXX. We did not receive word from them after that. We tried calling their number and it was disconnected. My boyfriend did some research and found the actual owner of the property through a property appraisal website and contacted him to verify his identity which did not match the so called owner we had been in contact with. The so called owners sent us a California Drivers License ( XXXX XXXX, DOB-XX/XX/XXXX ) We also have all the text messages sent/received between us. The so called owner also sent post office images to us as if they were going to mail keys to us.
Dear Amshercollectionservice After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2015. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Approximately 21 months ago, I purchased a new-used vehicle from Car-Rite in XXXX, Michigan. First, consumers should be protected from dealerships who sell lemon cars and cheat people out of their monies by handling them as a low life in setting them up with a company called Brite Financial.

When I first purchased the vehicle, I was set up for payments weekly, when I get paid bi-weekly. I was told by the dealership that all I had to do is call Brite Financial " Brite '' and they will change the payments. I did so, to no avail. When I called the company I was given different and incorrect information. I had auto pay that was to take money out of my account on the pay period. Because they were taking the monies out on the wrong date, it was causing the funds to not be available. I then called to cancel auto pay to pay on my own. I was then told that I was {$800.00} past due. Which I knew nothing about, because I had made arrangements and changed my payment to bi-weekly. Brite disabled my vehicle. I brought the account current and continued to make payments timely. I have never missed a payment for almost two years. My payment onXX/XX/XXXX I was unable to make my full XXXX payment and paid XXXX with the intent to make the payment the following week. I went to go to work XX/XX/XXXX and had XXXX towing to come and jump start the vehicle. I did not think it was the battery because I had to purchase a new battery in XX/XX/XXXX. When I contacted Brite, they never attempted to contact me but indicated because I did not pay the full amount they disabled the vehicle for the second time. Not only had I to put thousands of dollars into a vehicle that only had 30 thousand miles, the vehicle has had engine problems, brakes, rotars, tires and shocks. I was told because my vehicle was disabled previously that I am in their system, if I do n't make one or all the payment, the vehicle automatically is disabled. Brite discriminates against its customers in that certain people and customers vehicles are disabled. I was told they have no grace period and the vehicles are automatically disabled even if they make timely payments, or partial payments. I would like a thorough investigation that this a their procedures to all customers who have missed or been late with a payment. Even after making a payment, the customer service representative told me that I had to make arrangements for the next payment because my account is automatically flagged. I asked what would make them believe that I would not make the payment and was told because my car is flagged to be disabled when a payment is not fully paid or partially paid. My payment was XXXX and I paid XXXX on the due date and two days later, they disabled my vehicle. I was unable to go to work and missed 4 hours of work.
Wells Fargo offered me a loan to finance a car several years ago. The rate was 23 %. I signed the loan. The car after XXXX years became worthless. I relinquished the car. They took it back. That was about XXXX years ago. They then went to XXXX when I tried to have the write off removed from my credit and began reporting it again in XX/XX/2014.
I continue to dispute and this is my second complaint regarding XXXX, Experian and XXXX. XXXX send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. XXXX is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from XXXX. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.
I received a call from XXXX. On my caller ID on my Cell Phone, it showed as XXXX XXXX. 
I answered the phone to see who was calling. If it was XXXX, which I have never done business with that I can recall, I wanted to make sure I was on their XXXX list. 
The rep came on the line asking to speak to me. I said she was speaking to me. She wanted to verify my address " for security purposes. '' She never identified herself as being a debt collector, that she was attempting to collect a debt, or what company she was from. She only advised that the call was monitored and/or recorded. I do not recall the name. I did not have anything to write it down. I advised that without knowing the company she was calling from, I would not give any other information. She said she would notate and hung up. 
I called back the number to learn they are ERC. They are trying to collect on a debt that I owe to XXXX. When I asked if they are masking numbers, explaining that I got a call that was coming from " XXXX '' she said they have many numbers they use. 

Problems with initial call I received:1. Deceptive phone number usage. 
2. Not identifying as a debt collector3. Refusal to provide company name when asked directly for it. 

I know for a fact that debt collectors have to identify they are attempting to collect a debt ( when I called back, the only way I knew they were attempting to collect a debt was when the person told me the company name ). I also know that they *have* to provide the company name when asked.
Back in XXXX, I have sent Enhanced Recovery Co a letter of validation for 2 accounts that were placed with them, XXXX XXXX XXXX XXXX and XXXX. I have received no communication regarding this.
Broker, after getting my paperwork, told me the loan was doable. He then completely went dark. When I would ask him, he would say he is waiting for the underwriting department to give him an answer. This continued for 10 days until it was too late for me to close on time. I still do not have an answer from the underwriting department and at this stage, I would not be able to get a loan for the house my family fell in love with.
In XXXX XXXX, a solar company ( not in business anymore ) sponsored by XXXX Bank scam me into buying a solar panel for {$7900.00} when it was supposed to cost me close to {$4000.00}. Since I was not working at the time I never thought that XXXX will ever approve me with what they were promoting as a Home Project XXXX Card much less for {$3900.00}. To my surprise, I was approved not for the {$3900.00} that the project cost but for {$7900.00}. I called the solar company and I was inform to make the first payment, wait 30 days and that after that they will straight everything out. When I call them again after 30 days, they were out of business. XXXX was not help at all. They said I must pay the full loan or they will report me to the credit companies. They did. 
In XXXX XXXX I got a collector 's letter from XXXX XXXX XXXX XXXX, XXXX. They said I own {$10000.00}. I respond them to prove me that I own that money. They never respond me. 
In XXXX XXXX I got another collector 's letter for the same amount, this time from Resurgent Capital Service XXXX. I did ask them to prove me I own that money. They never responded. 
Since these collectors never responded, I did assume everything was Okay. 
Well, I am working now and want to start my own XXXX business and to my big surprise and disappointment, when checking my credit score it was in the low XXXX. The XXXX report from XXXX XXXX shows the XXXX loan shown as charged-off ( bad record ) but also shows a collection for {$10000.00} from a LVNV Funding LLC XXXX, collector company I never heard of, where it state that the originator is XXXX. To make matters worst, the loan has a date opened of XXXX XXXX, 2 years and 4 month after the XXXX loan was approved. 
I understand that it probably was my fault that I fell for the scam to begin with, but whatever I did wrong, I did it in good faith and with no intention to hurt anyone. These companies, XXXX and its accomplices, the collector blackmailers all they want is for me to pay for a wrongful loan generated by a corrupt bank or my credit history will be ruin, which already is. 
Now that I want to something good for myself and others, I found my hands are tight by a bunch of crooked XXXX scammers where my only option is to pay my ransom ( {$10000.00} ) or else. 
All this information is documented and should you see that you can help me, fact that I will very much in appreciation, please let me know so I can have some hope for my future. 
Very truly yours, XXXX.
I attempt to get free annual credit report and unable to get it online. I called Equifax and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.
For last year I tried many times to get XXXX to my account information for previous years ( 2005 and up ), I have XXXX only for last two years
I am appealing a rejected dispute regarding the adjustments I should have received along with my disputed credits. I 've been receiving generic responses about this. I am disputing some charges made by Capital One. Betwee
n 8/2016 - XX/XX/XXXX you should notice monthly fees.. all of which were about {$5.00} each month described as Interest Charge Purchases. Since XX/XX/XXXX there werent any transactions. The entire total was purely due to XXXX ( disputed merchant ) recurring {$9.00} transaction that was quickly adding up but now is all voided due to my dispute with them. The total balance throughout those months would have been low.
In the adjustments received onXX/XX/XXXX labeled as Fee / Financial Charge, I only received deposits of a few cents each, all around but mostly below {$1.00}. Those Interest Charge Purchases credits should have been greater for those 11 months. Its about {$55.00} in fees that were accumulated unfairly. I only received {$15.00} from those fees in the adjustments. Meaning, I still am pending a credit of approximately {$39.00} based on fees into my XXXX XXXX XXXX.
The {$9.00} credits are for the " XXXX '' disputed transactions but I am referring to the fees. Again in XX/XX/XXXX, I was being rebilled {$29.00} which may have caused an increase in fees. " XXXX '' decided to deposit that amount into to my card since Capital One was n't crediting it even though I sent documentation with evidence that I know was received repeatedly. I 've tried to resolve this via phone, chat, and mail.
I disputed the negative reporting related to XXXX on my credit report. They updated it to show as paid ( {$0.00} balance ) but still show it as a serious delinquency due to paying late. This has negatively impacted my credit score. It took us a VERY long time and a lot of work to get a final bill with detailed charges from XXXX and once we finally did we paid it within a few days. It is the creditor 's responsibility to provide the consumer the information they need to understand if the charges are valid and since we did not receive this we do not want the late/delinquency reported on our record. Here is more background. I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the XXXX their collection agency XXXX XXXX XXXX XXXX contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the XXXX years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone with XXXX and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. When they finally did send me the bill I paid it ( plus the collection fee ) in a very timely manner. However, I have a significant problem with XXXX not providing me the information to know whether the debt was valid and then reporting it as late/delinquency on my credit report. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
I submitted all of my documents in a timely manner in order to close on my home in XX/XX/XXXX to XXXX XXXX XXXXXXXX. Although, XXXX XXXX XXXXXXXX was not on time with the deliverables to the closing agency ( XXXX XXXX XXXX XXXX I still ensure I responded and returned all of the required documents to them in a timely manner. XXXX XXXX XXXXXXXX is supposed to issued me {$75.00}. I e-mailed them and the closing agency XXXX XXXXXXXX XXXX  e-mailed them on XX/XX/XXXX to follow up with the refund of {$75.00}. I e-mailed them again on XX/XX/XXXXto follow up and they said they sent the check out the day before, but I still have not received it. I am requesting that they refund the remainder of the funds that is warrant to me.
My credit report was showing a few late payments in  XXXX  and  XXXX . I filed a dispute because the account was in deferment/forbearance for the dates during which the alleged late payments occurred. I got a report from  XXXX  this morning stating that the dispute was closed and the late payments were still showing on my account. I contacted  Fedloan and received no answers on why they did n't respond to the dispute. If Fedloan re sponded to the dispute request why were n't the late payments corrected? Also, I requested a copy of the letter that shows the account was in deferment in  XXXX  but have not received it yet. It has been ov er 4 week s since the original request. I called customer service and was told the initial request was entered in error b y Fedloan. Then, t he request was modified on  XXXX / XXXX / XXXX . I still do n't have the letter..