WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One Auto Finance did not comply with the Fair Credit Reporting Act, Section in regards to conducting a reasonable investigation of my dispute against an inaccurate item on my credit file. On XX/XX/XXXX I obtained my annual free credit reports from XXXX. I noticed that Capital One Auto Finance had an account listed about me that is time-barred. The date of opening is incorrect and furthermore I did not authorize Capital One Auto Finance to report this account on my credit file. I called Capital One Auto Finance on or about XX/XX/XXXX to ask them to delete the account because it is too old to be listed on my credit file. I was informed that they could not delete accounts from my credit file that only the credit bureaus could do that. I then contacted the three credit bureaus, XXXX  XXXX and XXXX via USPS Certified Registered Return Receipt to inform them of the inaccurate credit listing and to delete the account. All three  credit bureaus wrote back to me stating that Capital One Auto Finance verified that the information about the account was accurate and that it would remain on my account. I am distressed that Capital One Auto Finance continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The account I am referring to is : Capital One Auto Finance # XXXX This Account is too old to be on my credit file. The opening date of this account is incorrect. There is no contract for this account. I did not authorize this account to be on my credit file.
Received a threatening call on XXXX/XXXX/15 telling me my card declined. I told him that could not be possible because there was {$3000.00} in the account so there was no reason my payment would decline. He went on talking about you have XXXX in the bank and all your paying us is a {$50.00}, I explained to him that I 'm a single mother and I have a mortgage to pay along with other expenses but I am paying. He then went on and on, at this point I called him out his name and told him look its too early in the morning for all of this and I just lost my grandfather and I was really not in the mood. I was doing the best that I could. He continued to talk mess and told me he was taking me to court. I said take me to court for what ... you have the correct account and I am making payments. he then kept threatening me I called him XXXX & ( and hung up. I called back to get someone else but he kept answering the next 3 times being petty and said see you in court and not to call there. I finally got a Manager on my XXXX attempt of calling back. They ran the card again they had and the payment went through just fine like I knew it would.
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX, Ga. on XXXX XXXX XXXX to trade in my XXXX XXXX XXXX for a later model of the same. After being there for 6 hours I left signing my contract and didn't know the trade in was not included. Last week my bank took the payment out and I called them and told them I had traded the car. The bank informed me they had no paperwork of the trade. I had sat down with XXXX XXXX, General Manager of XXXX XXXX XXXX and told him the reason I was there. I had made an appointment with him previousely. XXXX XXXX then assigned XXXX XXXX to help me with my trade/sale. She asked about my car and the lienholder, and mileage. I had no idea the car had not been traded until last week. I had been trying to communicate with dealership to see if they can redo the loan and no one is getting back with me. Friday I went to the local precinct because I was told the car wasn't traded but XXXX XXXX said the car was not there. It was on the lot for 30 + days and no one never tried to call and tell me that the car was not traded. I was asking for my loan to be modified to include the trade. I am on social security and a part time job and I can not afford 2 car payments. I should have never got approved for a second car with my debt to income ratio without one being traded. I was negligent in not realizing my trade was not included in this loan, the dealership is also negligent by pushing through a loan my income surely indicates I can not afford 2 loans.
I defaulted on an auto loan, the vehicle was repossessed and sold at auction. The remaining balance of the loan was transferred to me and went to collections. Over a period of 2 or 3 months I settled the debt with the collection agency satisfying the remaining balance of the loan. Over a year later, the original finance company has started sending me bills for the settled amount of the loan. I contacted them and they claimed it was an error and not a bill and told me they would discontinue sending me bills. 30 days later, I received a second bill with a late fee attached to it. When I call the company I get transferred from department to department, no one helps me. My average time on the phone including hold time is XXXX minutes. The end result is ultimately being told it is a mistake, yet I continue to get bills in the mail. Prior to the repossession there was a similar experience where they mailed me a last chance offer to call and make arrangements on the loan or it would go to charge off. I called prior to the assigned deadline to see if there were any options to avoid repossession, the told me it was already sent to collections and the letter was a mistake.
Reason too much fee each checking also too high fee {$36.00} dollar per checking. Reason I am on XXXX. not big money.
I am working with Bank of America on a home loan. The closing is scheduled for today ie XXXX XXXX, 2015. But even after repeated requests I was not provided the closing disclosure documents. They just sent it to me and its not what we had discussed initially. They pushed out my closing several times stating they had not received some documents from the closing attorney etc. I dont understand how they can be so lax in their approach. Why cant they track progress and raise a red flag if something is not happening on time..This has caused tremendous discomfort and heartache to my family and me. Pls help..
After filing a dispute with my debit card, PNC bank issued a provisional credit on my checking account. Without proper notification, PNC bank reversed the provisional credit, which resulted in an overdraft on my account. Due to not be notified in a proper manner, my account suffered numerous fees. When I brought this issue to attention of PNC Bank, the branch manager told me they would make sure that any outstanding debits would be paid. This has not happened. Not only was I not properly notified, my account suffered an overdraft, and debit have not been paid as a result.
I got a pay day loan from a company that was trying to charge me fees that were way out there, like 300 %. I tried to talk to them numerous times and get what I borrowed paid back but they kept giving me the run around and would not return my calls. Recently, I received a call from Trademark Management Solutions telling me there was a server in the area and they were filing criminal charges against me. I tried to tell them that I could not pay what they were wanting ( {$400.00} a month ). I asked if they would at least try to get the payments lowered. They told me the company in which they were dealing with said NO I had to pay that amount and would not take a lesser amount. I told them I could not pay {$400.00} a month but was threatenedd court procedure if I did n't pay it and give them a debit card. I have been paying them that amount monthly but have tried to get someone on the phone to see if we can get the amount lowered. I am having trouble trying to keep up with all my other bills as well. I only borrowed {$1000.00}. and they are trying to make me pay back {$3000.00}. This is NOT RIGHT. I have a elderly Mom I am trying to take care of as well and just need for them to realize that what they are doing is unfair practice. I do n't mind paying back the money I received, but 3 times that amount is just unfair. I hope you can help me resolve this and make these people act more like they need to and help people not threaten them. Please help
I applied to Citibank and XXXX XXXX for their Advantage Card. They promised XXXX miles and {$100.00} if I qualify. Well, my FICO score is XXXX or so, so that should n't be a problem, I figured. They did n't approve, did n't write back, did n't communicate. I asked them for a reason over my secured email for the accounts I have with them, but they failed to communicate and also what is there to communicate. They know me as their existing well paying customer.
I have been working with Navient to reduce my loan Payments for the last two years. My original payments were {$220.00} a month which I was having trouble making. I called Navient to see if I could reduce the payment and they offer a payment driven plan stating that it would decrease the amount. This was in XX/XX/2015, the amount increased to {$270.00} which they knew I could not afford. I communicated back and forth for months, and they kept saying that they could put it in forbearance and how I could try the payment driven plan again. After the time ran out the amount increase to {$660.00} a month, which is impossible for me to pay. Now they are saying my only option is to consolidate my loan. Now I believe the loan is in default. Now I send what I can.
I received a robocall from phone number ( XXXX ) XXXX looking for " XXXX '' and said to call ( XXXX ) XXXX to " find a voluntary resolution since the client has given authorization to rescind the process ''. The message went on to say " settlement options go down to 75 % you may pay online at www.directrecoveryservices.com ''. I called the original number and an XXXX XXXX asked for my name and claimed I took a pay day loan from a company I never heard of ( XXXX XXXX XXXX ) back in 2013 and asked what my intentions are. I told them to send me the information to my mailing address per the Fair Debt Collections Practices Act as I do not recall such loan. XXXX XXXX said " You 're was stalling '' and said they could send it to my email. I said the law states within 5 days of today 's date verification of the debt should be mailed at my home address. XXXX XXXX got flustered, apparently unaware of the law. She then stated " You 're stalling, it 's on your credit report '' several times and said " we have had your account in our office for a long time '' and hung up on me. I called back and then a XXXX XXXX answered and tried to verify my personal information. I told her repeatedly that I do not give my information to people I do n't know. XXXX XXXX claims she needs to verify my personal information per California law. I said I 'm recording this conversation and said that it 's funny, they 're not following Federal law. I notified her I would be reporting them and not to call me back or I will report them further to the FBI. I 've attached a picture of my voicemail proving they called and I also have the recorded conversation.
I have a hard inquiry for a XXXX credit account. I 've never had one or applied for one.  Please check this out for me, so this can be removed from credit report. 
Thank You XXXX XXXX
Ally financial has been calling me in an attempt to collect my aunts debt. The first time I told them that was illegal and they continued to call me. When I called them to put an end to the harassing calls they said well maybe you can just talk to your aunt to get her to pay her bill. This is the exact thing I was calling them to tell them I wouldnt do.
I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX  at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.
XXXX refunded an alleged fraudulent purchase made by me without investigation, and locked me out of an account so that I could not re-purchase. This caused a dangerous situation, and I need this credit back. 

On XXXX XXXX, as an authorized credit card holder, an authorized user to make purchases, with my own card that included my name, I paid a bill with XXXX. Two months later ( a few weeks ago ), the charges were REVERSED FOR FRAUD! This was NOT FRAUD!!! This put my balance at XXXX $ with late fees and terminated my service AND prevented me from making payments using credit cards in the future on my tmobile account as they think I am a criminal @! 

Without some proof of " unauthorized use '' ( which is impossible if i was an authorized user and was permitted to use and pay the balance in the past ) i should not be subject to a conviction for unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. 

HOW does a charge get refunded over TWO MONTHS LATER!? ARREST ME! I MADE THE CHARGE, IT WAS NOT FRAUD!
I applied for a mortgage and found some incorrect information being reported about an old auto loan through XXXX XXXX. I have disputed the incorrect information and sent additional documentation multiple times regarding the account. XXXX deleted the information when i first sent the documentation. I have since disputed the account with XXXX and Experian 4 more times with no changes to the account at all. They are reporting an incorrect balance and i have sent them proof of this. I even asked for their method of verification to which they did not provide or do a reasonable investigation. This is my last chance to resolve this incorrect info before turning it over to my local consumer protection attorney to file an FCRA lawsuit against XXXX, Experian and XXXX XXXX.
I received a Call a from Rose and Associate, phone number XXXX. They said they called to go employment verification on behalf of an attorney hired by XXXX to collect debt. I call Rose and Associates back and they never provided any information. They hang up everytime I call. 
I do not have any account with XXXX and accoring to Rose and Associates its from 2008. It has already passes statue of limitation for, State of XXXX. No such credit account shows up on my credit report..
In  XXXX  loan modification ( #  XXXX  ) approved by   XXXX    XXXX   XXXX  and or Specialized Loan Services,  LLC, ( SLS ) , which required {$1300.00} monthly payment, on   XX/XX/XXXX   called (  XXXX   XXXX  ) spoke  to  XX/XX/XXXX   who confirmed payment amount and about leaving payee line blank on checks, First payment made before  XX/XX/XXXX   and sent with copy modification payment page with hand written acknowledgement of the "  XXXX  '' statements, every payment made before due date  ,  SLS continued to cash said payment for  XXXX   XXXX  years,    XXXX   XXXX  , SLS  stopped cashing payment and entered property into foreclosure status,  XX/XX/XXXX   when questioned SLS '  XXXX   (   XXXX   XXXX  ), stated payments were n't cashed because the cause wrong amount was paid and, stated in fact, monthly payment should have been {$2000.00}, because SLS conducted appraisal after modification agreement was signed and determined account needed additional {$650.00}, he acknowledged amount is not listed in modification agreement, also no address was provided to mail new/added appraisal amount,  as  a result  XXXX  stated account was {$37000.00} in arrearage and would have to be made to bring account current and out of foreclosure. I should be able to rely on the amoun t SLS  agreed upon in our loan modification agreement and they should not have people confirming payment information if they are not professionals in mortgage business. This is a deceptive and dishonest practice and should not be allowed to happen.
Was told on XX/XX/XXXX that my remaining balance was {$790.00} + tax. I missed one payment, but two other subsequent payments were made. It is now XX/XX/XXXX and I asked what my final balance to pay off was, and was told it was around {$760.00} ( could not copy because the agent closed the chat before I could ; agent name is XXXX ). They failed to tell me why my balance has not changed and where my money is going. I have chat logs to verify this initial balance. 

I literally just want to pay this remaining balance and get them the XXXX out of my life. Apparently, it costs me stress and an additional $ XXXX EVEN AFTER I'VE BEEN PAYING SINCE XX/XX/XXXX FOR NO XXXX REASON!!! I'VE MISSED XXXX    XXXX PAYMENT. 

HERE is the kicker. It's been less than a month and they reported it to COLLECTIONS. YES, FOR XXXX XXXX PAYMENT THAT IS LESS THAN A MONTH OVERDUE. XXXX NEEDS TO BE DISMANTLED AND PENALIZED.
On XX/XX/18 we submitted a request for a short sale among other and all options regarding the late mortgage payments. In the letter we also included a short sale offer from a buyer. We requested the assistance packet to be reviewed and then review the short sale offer. On XX/XX/18 we receive 2 calls from Arvest saying our packet is being reviewed. On XX/XX/18 we receive a letter in the mail denying the short sale offer. Upon collecting information, this was done prior to the packet being approved. As you can see in the letter Arvest denied the short sale because we had not completed a packet ( which is false ) and b/c we had not been approved ( which is why we applied in the first place ). We completed a packet but Arvest denied the short sale before actually reviewing the facts. 
Due to the contract I was required to give the buyer all information and now the sale of my home is lost. 

Addtionally, Arvest denied our initial request for mortgage assistance in XXXX, because we were only 46 days behind on payments. So we were forced to take another hit on our credit score become more late, more late fees, more penalties, more likely to default before we could even speak to someone regarding our options to save our home. Arvest answer ; let us tack on more late fees, let us damage your credit some more then fill out a new packet once you are closer to foreclosure.

Finally, Arvest has a policy that requires the packet to be completed before you speak to a person regarding options to save your home. This lack of communications makes it impossible to know what options to sign up for, how it will effect your credit score, what penalties there will be, how the process works. The only thing they tell you is, fill out a packet. Can I speak to a person regarding options. No. The packet requires knowledge we could only get by speaking to a person familiar with mortgage assistance. 

The mortgage assistance team at Arvest is not set up to help their clients. All actions at Arvest are essentiallym in place to satisfy the minimal federal requirements. They call each week to have " constant contact '' but they refuse to answer questions or the person that makes these calls has no knowledge and can only say " we are reviewing your request. '' Can I speak to someone regarding my options. No. Fill out another packet.
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX for {$15000.00} The vehicle was financed through Prestige Financial and my monthly payments were {$370.00} for 72 months. I made a total of {$6400.00} in payments in which {$820.00} of that was applied to the principle balance. Now my balance is approx {$16000.00}. I was never made aware of any additional charges to my loan and have requested them to give me a detailed explanation of charges and they have not provided me with anything.
XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit.
XX/XX/XXXX Barclays Bank Delware {$2500.00} is showing revolving credit, this account was satisfied and closed out in XX/XX/XXXX it 's still being reflected on my credit report. I disputed in XXXX  and was advised it was removed.XX/XX/XXXX XXXX XXXX account was disputed, and satisfied still being reflected on my credit report.
XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} was satisfied in XXXX still being reflected as a negative result on my credit report.
I contacted TransUnion and in regards to removing inquiries off of my credit report being that i was a victim and there inquiry issues. For XXXX ( XXXX ) inquiries on my credit report. As followed XX/XX/XXXX 1 ) XXXX XXXX XXXX, 2 ) XXXX and 3 ) XXXX XXXX XXXX. XX/XX/XXXX 4 ) XXXX XXXX XXXX and 5 ) XXXX XXXX XXXX XXXX. XX/XX/XXXX 6 ) XXXX. XX/XX/XXXX 7 ) XXXX/ XXXX. XX/XX/XXXX 8 ) XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX 9 ) XXXX
Hello, my name is XXXX XXXX XXXX : In 1978 either in the months of XXXX or XXXX I had my brother buy me a saving bond for 500.00 dollars then give it to me as a gift.the banks name is XXXX in XXXX.XXXX was the c.e.o at the bank but when i melt him his was just a accountant. checks and bonds was sent to a old address XXXX XXXX XXXX XXXX.someone stole my mail but some how sent the check to XXXX XXXX XXXX XXXX XXXX.the person the got the check give it to XXXX XXXX XXXX XXXX to give to me but he took it to chase bank XXXX XXXX XXXX XXXX to cash it. the bank call me. to see if it was alright to let him cash it over,XXXXtimes I told the lady no.but she acted like she couldnt understand no.or call the police.my check and saving bond are now gone.can you help me.I live at XXXX.cell phone XXXX
Have a loan thru XXXX XXXX and have been paying on it for over 11 years. Several times over the years I was unable to make the payments and they only offered me a 3 month grace. Most recently I was unable to make a payment because I was unable to work and was told I had used all my options and not to make the payment and to call when I could make the payment. Well that put me in less than good standing and they are now contacting my co signers which I was never told that I could ask to have them removed from the account after making a certain number of payments. Navient is the one that has the account right now and was the one who told me not to make the payments. I now owe more than the original loan was nothing has ever been taken off th principal because i was never able to afford the principal payment. I just wish Ii had never got involved with This company! This was a loan out for my childs education.
On XX/XX/19 I went XXXX XXXX in XXXX, Colorado to inquire about a car and after Ive come to the realization that they were continually doing credit checks with copious different banks and them not having a lot of cars that Im interested in, I decided to leave. The very next day, the salesman I was working with started texting and asking me why I left, I told him because I had nothing to offer and kept making my credit look bad. Then he began antagonizing me. Not long after I ended the conversation, there were several more credit inquiries reported under that dealerships name with my knowledge and permission