WillisBack/dataset-financial-user-claim huggingface dataset:
This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports. The amount for this debt in question is {$460.00}
I looked at my XXXX credit report this weekend and saw credit score had dropped and also had added a Bill with diviserfied consultant XXXX for XXXX. I have never applied for credit or services with company.
XXXX underpaid my bill to XXXX XXXX XXXX on XXXX. I advised their billing department at XXXX XXXX that my XXXX should cover most of this and to please re-submit to my insurance company. XXXX XXXX did NOT re-submit and they sent me to collections using Hollis Cobb XXXX at XXXX. The collections company has been calling me for several months ( some calls were very rude - especially at the beginning where I was talked over and yelled at ). I kept telling them that the XXXX was going to take care of this, but the collections company never stopped calling. I have received up to 6 calls a day from them to try and collect this debt, which has interfered with my job and caused me to waste minutes on my cellular plan. I spoke with XXXX XXXX today, who is supposedly a manager at Hollis Cobb XXXX, and she even confirmed the notes were in there about the XXXX issues. I provided XXXX with the confirmation number from XXXX for the additional payment to the XXXX XXXX, and advised them I am working with a manager at XXXX XXXX to resolve the remaining {$51.00} ( which is what XXXX at XXXX told me is the only amount I should pay ). I also advised them that I would have my attorney contact them if they kept harassing me.
All of my records state that the next available payment is due on all loans on XXXX/XXXX/2016, however, my Equifax credit score is showing a XXXX point decrease due to what seems to be a missed payment. I have been in loan deferment/forbearance since XX/XX/XXXX. I want to know why this drop occurred, when all payments are not due until next month.
7day hold on a check depositied to my Dime Savings Bank acct. Is n't there a rule against this?
This. company Interstate Credit Co appears on my credit report for {$770.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
On  XXXX   XXXX    XXXX   I contacted  Navient  in order to try lowering my monthly payment as it jumped from  XXXX  to  XXXX  in a month. I could n't afford this new amount. I spoke with a representative in order to take care of this. I was told I could consolidate the  3 loa ns within the company for a lower interest rate, lower monthly payment but it would extend my loan in years. I was fine with that, I agreed to a payment of {$62.00} a month. I was informed that I qualified for this program and that I would have to m ake 3 consecut ive monthly payments of {$62.00} in order to stay in the program. On  XXXX / XXXX /  XXXX  , I logged into my bank account to see that not only did the {$62.00} come out of my account, but also the amount of {$200.00} that as my previous payment amount that was suppose to be discontinued. When I called  Navient, each  person told me something different, I finally spoke to someone and they were going to send an email to their boss to get my {$200.00} overpayment deposited back into my account, as the review of my account showed the person on  XXXX / XXXX /  XXXX   was suppose to cancel the  XXXX  payment. I logged into my  Navient  Account on  XXXX / XXXX /  XXXX   and the prior payment plan was still in effect. So I calle d Navient once again . They had then told me that I never actually was enrolled into a program, that the lady I spoke to a month prior just created the payments. Okay so now I am confused as to what really happened. Spoke to numerous people and then finally to  XXXX , who informed me that the employee just created payments, that i never got qualified for this new payment plan. Okay so I ask as how to lower my monthly payment, she tells me there is no way in which to do that and that my payment instead of {$200.00} will now be {$230.00} a month once again upping my monthly payment  again, 3  time in 3 months. They refuse to help at all, each person makes an excuse for the prior person. I have never had a problem with a loan company before as I have with Navient, I do n't feel that them continuing to up my monthly payment each month to satisfy them is fair to me as the loan holder. I do n't know what else to do at this point.
I was in the process of getting a loan on a piece of property for investment purposes. I was approved by Bank of America for a 15 year loan of {$70000.00} and a rate of 4 %. After the appraisal I was instructed by Bank of America to do repairs to the exterior deck railings before we could close. I proceeded to repair the railings at the cost of {$750.00} labor and material. After completing the rails I was informed by Bank of America, according to their underwriter, that I needed to get a road maintenance aggreement form signed by all of the property owners that had a building on the entrance to the property. I own the property adjacent to the property we are trying to purchase. The owner of the warehouses south of the property refused to sign the aggreement stating it would decrease the current value of his property. to date I have spent {$750.00} for the survey, {$650.00} for the appraisal and {$15.00} for the credit reference. At this point nothing has happened and the loan is in limbo.
My father purchased a New Vehicle the Contract says 0 % APR with Purchase of XXXX Please see Admittance by ford motor credit XXXX XXXX 15 %
On XX/XX/XXXX I was made aware of a collections that was placed in my name. The debt stated that it was from XX/XX/2016. The amount was for {$3500.00}. At no time was I sent any information on this and I have no knowledge to what this may even be. It does not show up on any report but XXXX. 

After disputing online ( once it hit my account ), XXXX simply stated that it was verified. I still have not even any information on why the amount is due, how the amount was calculated, who the original debtor is and who owns it now. 

It now has changed from a collection to a " charge off '' to which I have no idea why. I would like the debt removed from my report. I would also like to know what legal actions I can take against the debtor.
XXXX XXXX 2017. XXXX report indicate I have an emergency bill medical via a facility that uses Commonwealth Financial as a collection agency. I have XXXX. I did not go in the hospital or emergency room for treatment. XXXX is reporting false information. This is the second false report on my credit since their breach.
I have sent disputed documents in XXXX, XXXX  and XX/XX/XXXX to all three credit burueas XXXX, XXXX  and Equifax disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!
They found my number from somewhere, and they constantly call making threats that they will show up at my work on XXXX XXXX or at my home. This can not be legal. Then they state I have been notified and just hang up before I can even say anything. I am disputing and I told them that. Yet, they still call and make threats to show up at my work or home.
After twice writing to XXXX and XXXX asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named Lockhart Morris and Mont in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought XXXX and XXXX were suppose to physically verify alleged debts before reporting.
Chase Bank WILL NOT REVEAL WHY they do NOT give auto loans ( or refinancing of auto loans! ) for vehicles that have OVER 75,000 miles. The " Auto Finance Department '' referred me to the Chase " Executive Office '' on this issue. The " Chase Executive Office '' referred me BACK TO THE AUTO FINANCE DEPARTMENT! 

I demand to know WHY this XXXX miles on a used vehicle is a " disqualifying criteria '' for an auto loan, and WHO AT CHASE made this arbitrary decision! 

I will NOT ACCEPT the " runaround '' on this issue!
Dear Madam or Sir : I am writing to express my objection regarding my CarMax Auto Finance Account XXXX which shows negative marks ( late payments ) on my XXXX as well as XXXX credit reports. This account is Paid In Full and in Closed status, and yet, Car Max with no apparent motive other than punitive motivation, continues to report late payments to these credit agencies. I have in the past written Car Max to politely ask for a courtesy adjustment and I keep being rebuffed. It is perplexing to me why Car Max should  continue to engage in such punitive measures when in fact my account is Paid in Full and in Closed status. This is certainly not good business practice to punish consumers over past alleged late payments ( where such alleged late payments are from more than two years ago ) in their credit reporting practices when indeed I owe nothing currently to Car Max and in fact paid off my account in full to Car Max nearly two years before the loan maturity date. It is the failure of Car Max to act in good faith on this issue that compels me to write to the Consumer Financial Protection Bureau to put forward my objections regarding the inexplicable and punitive actions taken by Car Max. 

It is my contention that due to the fact that my account was Paid In Full and Closed well *before* the loan maturity date, that I have presented myself as a responsible consumer through my actions, and therefore I am entitled to injunctive relief from CarMax in the form of their deleting their reporting from the Transunion and Experian agencies. Otherwise, I think CarMax owes both myself and the Consumer Financial Protection Bureau a written explanation for their unfathomable and vindictive business proceedings in refusing to either remove ( alleged ) late payments from more than two years ago from my XXXX and XXXX reports or to delete my CarMax account from my XXXX and XXXX reports entirely. 

CarMax Auto Finance contact information is : CarMax Auto Finance Attn : Customer Service XXXX XXXX XXXX XXXX, GA XXXX I look forward to discovering how CarMax will resolve this matter, which, again, I have tried and failed to get them to resolve in the past. 

Sincerely Yours, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX
On or about XX/XX/XXXX, My concern is Loan issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan amount {$3.00}, XXXX ; had original balance {$15000.00}, to lower existing monthly payments and increase the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The loan rate increases and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.
this pre paid card has to be registered before you can use it, I have purchased several of them in the past week. They can not be registered becaue their horrible website doesnt work, and it's been down for a while! They do not disclose this when you are on thier website at all, and you keep trying to put in all the info many, many times with no success! thier website is horrid and it should be noted in large print that it is down!!!!!!!!!
I am an owner of 2012 XXXX XXXX XXXX in great condition with approximately XXXX miles. The vehicle has XXXX open recalls that I have been waiting to have fixed for over 18 months. I recently sought to purchase a new vehicle and was told by XXXX separate national dealers ( XXXX and XXXX ) that my vehicle is ineligible for trade in due to the open recalls. Chrysler does not have an anticipated time frame for when the parts will be available in order to correct the problem. Meanwhile, I am unable to utilize the value of my vehicle to have it applied to the purchase of a new vehicle.
I had a medical bill in which the first invoices were not received via mail, I paid subsequent invoice off in full directly to medical vendor after receiving subsequent bill. Later on I notice a collection debt from Grant mercantile agency on my credit reports for collection. I have tried to dispute this, it lingers on my credit reports for something I do not know of or owe, should n't have to pay and need help to get this removed as they are refusing to remove a XXXX dollar derogatory charge.
Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report Cavalry Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.
Account is not past due. Payment due on XXXX/XXXX/16 was made and was in excess of the Minimum Payment Due. An additional payment of {$10000.00}. was made on XXXX/XXXX/16. Of this amount less than 70 % was applied to the balance with the highest APR. The interest bearing balance of this segment was {$8100.00}, per the statement. 
Per Citi 's own card agreement, and the law, the excess payment should have been applied to the highest APR balance first, then to the next highest APR balance, and so on. 
Citi has danced around and now state that 100 % of the excess payment is not applied to any one segment. 100 % of the excess payment would have paid off the balance with the highest APR and left over {$2000.00} to be applied to the next highest APR balance, which was only {$2300.00}. The total balance on the account prior to any XXXX payment was {$12000.00}. 

These people refuse to honor their own card agreement and need to be forced to do so. Not an honest company!!!
Since Nationstar Mortgage became Mr. Cooper in XX/XX/XXXX no one, even my Dedicated Loan Specialist tries to reach out to me, instead I received a foreclosure sale notices and again just received one that my house is going to be foreclosed on XX/XX/XXXX. In the letter, the foreclosure sale notice I received from XXXX XXXX, XXXX claimed that I should find a copy of the advertisement of sale, as published in XXXX XXXX XXXXXXXX. That claim is false because I could not find the foreclosure sale that was claimed to have been published in XXXX XXXX   XXXX. I have been trying very hard to make Mr. Cooper to modify my loan which I applied for in XX/XX/XXXX which is yet to be modified. Nationstar Mortgage, now Mr. Cooper has refused since XX/XX/XXXX to modify my loan without giving me any valid reason ( s ) for their refusal to modify my HAMP LOAN MODIFICATION that I applied for, was eligible and qualified for in XX/XX/XXXX.
30 Day late payment reported to the Experian, XXXX  and XXXX. I have never been 30 days late on a payment to this company The company solicited me for a payment extension through repeated telephone calls between XX/XX/XXXX and XX/XX/XXXX. I am a native Floridian and was affected by the XX/XX/XXXX Hurricane in XXXX Florida. I eventually spoke with a XXXX XXXX XXXX Representative and they place a payment extension on my credit report. I was later reported to the credit bureau. I was told by a representative, it was for a late fee. I have kept a copy of all my credit report back to XX/XX/XXXX and at no time on any car loan have I been reported to the bureau for a late fee. I purchased this car at XXXX XXXX in XX/XX/XXXX. I never received any correspondence from XXXX XXXX XXXX until the latter Part of XX/XX/XXXX despite repeated calls to this as to my due date and actual car loan amount. My payments are due on the XXXX of each month. I have always paid my payments prior to 30 days. The Representative acknowledge this information and told me, they would not report me for payments prior to being 30 days late and the late fee was reported for the 30 days late in XX/XX/XXXX when the extension was applied. I asked, " if its for XX/XX/XXXX, why was I reported for XX/XX/XXXX? '' He stated I would need to write XXXX XXXX XXXX to request the removal. I wrote XXXX XXXX XXXX as well as each credit bureau to no avail. Just before this reporting, I had two car loans from a XX/XX/XXXX Chapter XXXX Bankruptcy and XX/XX/XXXX Chapter XXXX bankruptcy that was removed from my credit report in XX/XX/XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, auto loans that were previously removed that were included in the bankruptcy. I have sent disputes multiple times XXXX, Experian and XXXX, this time around, I received an email their investigation will need more time, I assume because I attached each of the credit reports I've received from them dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I also sent them prove of my XXXX XXXX XXXX Payment History since day one where i've never been thirty days late, ever. They are still investigating the late pay for the fourth time, including the XXXX XXXX car loan that was deleted with my Chapter XXXX Bankruptcy XX/XX/XXXX with XXXX. All the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
I contacted the university i graduated from to purchase a new copy of my diploma with my updated last name. The university sent me an email shortly after stating my account was in collections and they could not honor my request. They sent me the name of the collections company that owned the account, XXXX. I contacted the number provided, XXXX ( XXXX ) XXXX, and was told by a representative that she could not access the account but she did see the chapter XXXX bankruptcy information added. She then provided another number XXXX, and a gentleman tried to contact my account owner but was unable to access the account as well. He provided me with the VP name and number, XXXX XXXX at then told me to contact her directly for status update. 

I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX.
I called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX FXXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.
In XX/XX/XXXX GM Financial sent me a late notice on my lease account for XX/XX/XXXX.  When I called GM support I was informed over the phone that my auto-pay, which was set up by the GM dealership from day 1, was removed from the system in error due to a system update. GM removed our late fee but reported a late on our credit report. We are in the process of purchasing a house and this late has caused our mortgage rate to increase which will cost us nearly {$200.00} per month more than the estimate prior to the late report. This is the one and only late report on our credit history. GM Financial has not been willing to help resolve this issue with our mortgage lender to correct our credit score to have our rate fixed. I have spoken with multiple managers at GM financial who are unwilling to do what is being asked by my mortgage lender to resolve this issue. They are also unwilling to escalate this issue within GM.
I have purchased {$3000.00} in reload packs from the company, XXXX, a subsidiary of XXXX Holdings. 
I have been only able to load {$1500.00} and this only after hundreds of attempts to use the online service. XXXX of attempts result in the same error message, 'We are experiencing technical difficulties '. 
I have made multiple calls to their customer service department and was told, after HOURS on hold, that a customer service supervisor would get back to me. That never happened. 
I need the money I have paid to use this companies service for a medical emergency. Please help.