WillisBack/dataset-financial-user-claim huggingface dataset:
I applied to a captial one XXXX card. On the application website ( http : //www.capitalone.com/credit-cards/quicksilver/ ) it clearly stated that it 's a XXXX signature card. When I got the card it turned out to be a XXXX platinum card. I called capital one asking why, and I got the answer that not all capital one comes with XXXX signature. I could n't find this information anywhere on the application website, so itself seems to be a fraud to me, but ok I accept that. I then asked if I can upgrade to a XXXX signature card. They said I might be able to but I need to meet a certain requirements, but they neither would let me know what the requirements are nor would let me know if I am qualified for it. How should I upgrade to a XXXX signature card if I do n't even know whether I meet the requirement? And why I got a non-signature card in the first place if the requirement is non-transparent?
I reviewed my credit report and noticed several items that where in accurate and fraudulent. I contacted the credit buearus immediately and there has been no resolution to my issues. I filed a complaint with the FTC as well as contacted my local police department with no resolution. I am now contacting you with hopes of resolution. 

Below are fraudulent accounts in question : Company Name : XXXX XXXX Date Open : XX/XX/XXXX Account # XXXX Balance:XXXX Below Are a list of Inquires I did not authorize and are fraudulent. 

Company Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX Company Name : XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Their are 2 student loans on my report that are reporting late FROM XX/XX/XXXX UNTIL XX/XX/XXXX I paid this company on time during these months and i continued to pay them to this day on time this information is totally inaccurate. 

Company Name : XXXX XXXX XXXX Account : XXXX & XXXX Date Open : XX/XX/XXXX
XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility fo r 3  failed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.
Windham Professionals garnishing wages for student loan after I have already showed good faith in repayment by paying voluntarily {$2200.00} + est. {$600.00} in wage garnishment. Submitted numerous times personal information along with proof of income and the only reasonable monthly payment they could come up with was $ XXXX {$500.00}. After on a few occasions they had promised they could get low monthly payments around {$50.00}. 
The problem with the wage garnishment and not getting out of default is that of the {$400.00} they are garnishing is that {$170.00} a month is going into the collection agencies pocket. The total balance on the Student debt is {$3000.00}. yes {$3000.00}. I did not leave out a XXXX or a (, ). I repeat XXXX. 
Regards, XXXX XXXX
Paid off credit card with Synchrony Bank during the promotional period. This amount covered the amount that was used to make purchases. I told the company to close my card, which they did. 2 weeks later I received a bill in the mail that I still owe another {$290.00}. I called Synchrony Bank and they told me I owe {$290.00} in late fees. I asked them how when I paid each month on the credit card. It is also listed on my credit report that I paid on time every month. The company for some reason, will not remove the late fees, even though I was never late ... They have now charged me another late fee and the balance is over {$300.00}. I made numerous attempts to call them and tell them I do not owe them a late fee if I was never late on payments and have proof from the credit bureaus that it was reported on time.
My wife bought a XXXX Subaru Forester at a dealership in XXXX, Massachusetts. The dealership submitted a car loan from Ally Financial with a high interest rate. 
My wife 's name is XXXX XXXX XXXX and she is from XXXX. Because of the high interest, payments were difficult. The XXXX Subaru Forester was ending up being towed for missing payments. My wife, XXXX, was angry at me but we finally got the money for the tow and storage fee and the back payment to get the car. 
I now have read the Justice Department and Consumer Financial Protection Bureau article by XXXX XXXX of XXXX XXXX regarding the XXXX to settle the minority car loan discrimination probe. In this article it stated that we would not need to do anything. That we would be notified.
i received a letter today with a payment voucher from cavalry portfolio services threatening a possible law suit for an account they purchased that has exceeded the statue of limitations here in pennsylvania, not only have they done this, they have openly made harassing phone calls to my parents and employer.
XX/XX/XXXX received a call from a process server representing XXXX XXXX out of XXXX, TX. She ( XXXX ) stated that she would be serving me a summons the following day because I was being sued by XXXX for possible wage garnishment over a debt collection. 

When I contacted XXXX they stated that if I didn't settle I would be served and sued. When I requested validation of debt, the rep stated that she didn't have that information and that they were not a debt collection agency and suggested I contact the original creditor. 

I was able to obtain a date and business name from the rep and she stated that the statute of limitations in Ohio was 15 years. This debt was supposedly from XX/XX/XXXX, 14 years ago. She also stated that the previous debt collector has tried reaching me since XX/XX/XXXX and that XXXX had only obtained the debt 3 weeks ago. Approximately 5 months ago someone called me regarding this issue and I requested validation of debt and was told " that information isn't available, as we are not debt collectors, but a 3rd party ''. 

Can XXXX attempt to collect a debt while stating that they are 3rd party litigation and not a debt collector? While also requesting and offering settlement options? 

Can XXXX have someone call you, stating that are a process server, and threaten summons, suit, and wage garnishment if not handled? 

Can XXXX state the amount of debt and then state another price incurred if the summons is served, at nearly 3 times the original debt? 

My ignorant self paid {$700.00} on a debt I'm not entirely confident was mine ( I know I know ).
I am a member of the XXXX XXXX XXXX, and, prior to joining the military, I acquired a loan through GM Financial with XXXX XXXX XXXX for the purchase of a vehicle. 

Since incurring this obligation, I entered the active military service of the nation in the United States XXXX on XXXX XXXX, XXXX. This entry into active military service materially affected my ability to pay. Under these circumstances, federal law prescribed the maximum interest rate which I was to be charged. 

The Servicemembers Civil Relief Act ( 50 U.S.C.A. 3937 ) prescribes a ceiling of 6.00 % annual interest on any obligation under the circumstances described above. This interest rate must be maintained for the entire period that I am on XXXX XXXX, even if I default. The percentage cap includes all service charges, renewal charges, and fees. The rate is applied to the outstanding balance of the obligation as of the date of entry into XXXX XXXX service. Any interest charged above this statutory ceiling must be forgiven, not accrued. Any person that knowingly violates this section may be fined and/or imprisoned. 

Therefore, I have asked GM Financial to amend its records to reflect this statutory ceiling and that any charges in excess of a 6.00 % annual rate are withdrawn. Also, I have asked for a detailed accounting showing the credit I was given for my time of XXXX XXXX service XXXX XXXX XXXX, XXXX to present ) with the 6.00 % interest cap reduction. I asked GM Financial to apply the credit to the principal balance on the loan. 

They received the letter stating above from me on XXXX XXXX, XXXX, and I have received no response. Instead, GM Financial reported the entire balance ( with no amendment ) to the credit agencies as a write-off, and I am now having problems with my security clearance.
I couldnt afford to immediately repay my student loan payments due to being laid off at my job right after i stopped attending colllege. On top of my financial harship I was dealing with the XXXX of my father which also caused a loss of income in our household.
I received a letter dated XX/XX/XXXX from XXXX in XXXX, MD who is attempting to collect a debt that I was already sued for by Velocity Investments , LLC in XXXX, NJ and the case judgement was Non-suit back on XX/XX/XXXX.
Wells Fargo Loan # XXXXInvestor - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started XXXX/XXXX/2015. XXXX/XXXX/2015 the buyer was countered to $ XXXX. XXXX/XXXX/2015 we faxed an offer matching their counter offer. XXXX/XXXX/2015 We were told that the negotiator made a decision to decline the file last week. 

1. We spoke to Wells Fargo last week and no one bothered to tell us that the short sale was cancelled. 
2. Wells Fargo could not give a reason as to why the file was cancelled. 
3. The purchase price and fees on the HUD match the fees the negotiator told us would be approved. 

Why is Wells Fargo countering buyers, then cancelling when they get an offer that meets their countered price? 

It is obvious the negotiator is lazy or cancels files purpose to cover the fact she is too lazy to do her job.
Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$150.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XX/XX/XXXX stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). I sent a follow up letter informing them that they are in violation of HIPPA and stated that I would file a legal complaint unless they removed this from my credit report. I have yet to hear back from them
I had this loan since XXXX, it 's been 15 years paying. Me and my consigner have made a substantial amount of payments and the loan is still at XXXX. I think the payment was not applied right. My original loan was with XXXX XXXX which was a variable loan original amount borrowed was {$8100.00}. It 's no way that only XXXX dollars has been applied towards the principal after 15 years. My consigner has recently filed bankruptcy in the past year.
Sometime in  XXXX , we were very surprised to receive a VISA credit card fr om Wells Fargo in  the mail. We did not request the card, nor did we want it. I kept the cards that were sent, but did n't know what to do about it.     Then  XXXX   XXXX ,  XXXX , we received a letter saying t hat Wells Fargo  was discontinuing t he VISA and Cash  Advance features, and that we would receive replacement cards. These non-VISA cards arrived, and I saved them as well.     As background, we signed up for  the Wells Fargo Financial National Bank Automatic Payment ser vice  XXXX   XXXX ,  XXXX  for {$6800.00}, to purchase a heating and air conditioning unit from  XXXX   XXXX    XXXX   XXXX  . At this time, they sent VISA cards which we did not request, but I ignored them and filed them away.      Wells Fargo  was helpful in resolving a disputed charge with this vendor. This account was paid in full ( I believe in 3 year s ), and we did NOT have any further contact with Wells Fargo.
XXXX XXXX opened an " Essential Business Checking '' account with Wells Fargo in XXXX and I was told there would be no fees - I took a picture of what the banker wrote on my welcome booklet and Wells Fargo has confirmed that, that type of account was free because I have a mortgage account with them. Less than a month later, on XXXX XXXX, Wells Fargo changed my account to " Business Choice Checking '' without telling me and began charging me a $ XXXX monthly fee. No one at Wells Fargo can explain why this change took place and they simply said they no longer offer the Essentials Bus Banking. I was told by the CS rep at Wells Fargo that I was notified either by email or mail but I was not. I have also checked the secure emails that they sent to me within my online banking. They are refusing to refund the {$14.00} fee and I now have to go close out all my accounts with them. Here is what they wrote after I emailed them my complaint : " I received your email inquiring about changes to your account. I know how frustrating it is when unexpected fees are assessed. 

Effective XXXX/XXXX/2015, your Essential Business Checking account waschanged to Business Choice Checking. The account will have a new $ XXXXXXXXmonthly service fee. I regret that I am not able toreimburse the fee at this time. " I would just like there to be a record of Wells Fargo 's shady business practices.
I Hired XXXX XXXX XXXX to help with my credit, My mother was diagnosed with XXXX and I am responsible for her financially. I have confirmed with the company that they have disputed the amounts of {$620.00} XXXX for a total of {$1800.00} from XXXX XXXX XXXX XXXX XXXX XXXX On Monday, XX/XX/XXXX a letter was sent asking for validation of the debt. No response. I then sent letters to EQUIFAX on XX/XX/XXXX and XX/XX/XXXX asking for validation. No response until I sent a fax on XX/XX/XXXX. Now you updated my report as being reinvestigated. <P/>Under the FDCPA LAW, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30  days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. <P/>At this point its a matter of life or death my mother is the advanced stages of XXXX and this incorrect information being reported to my CR is hurting my family. please remove.
To Whom It  May  Concern : O n    XX/XX/XXXX  I got  a letter in the mail from  XXXX   XXXX  at the time that notified me that I had been approved as a cosigner for my cousin for {$4500.00}. Who was going to college in  XXXX ,  XXXX  to become a   XXXX   XXXX  . I told my cousin at the time that I normally do n't cosign for anyone for anything. She came to me as a last result because her mother could n't cosign for her because her bad credit. She needed this loan to help her finish getting her degree. I told my cousin that I live on a fixed inco me ( SSI ) fr om month to month and that I value my credit history. That I would agree to be her cosigner only if she paid her loan payments every month on time. That she would n't do anything to mess up my credit while she was paying off her student loan. Since  XXXX   XXXX   XXXX  sold my cousin 's account t o Navient. I ha ve also had a child in  XXXX  who has special needs so I really stay on top of my cousin paying her loan payments. For the past 2 months my cousin has been late on her payments or have n't paid her full payment but paid something on what she owe. My cousin in the past has been normally very responsible about paying her bills. Each time Navient call me or mail me something. I call or text my cousin and sometimes even send her picture text o f letters of Navient  threatening my credit and turning account over to collection agencies. I ask my cousin is there anything going on with her finances and t hat Navient  offers deferred payments if she needs help or to just call them and make a payment arrangement . Navient has been harassing me for a little over a week now. Navient calls my home  phone everyday even on Saturday and Sundays. They call back to back  up to 7-8 times a day  everyday, as early as    XXXX   XXXX   XXXX   XXXX   XXXX    and as late as     XXXX   XXXX   XXXX   XXXX   XXXX  . I have talked to  Navient  representatives a few time when they have called so much and explained this same situation to them. They tell me that they 'll stop calling me and give me enough time to talk with my cousin so that she can make a payment but they do n't. Some  of Navient representatives have had nasty attitudes, have been pushy, and unsympathetic. Navient ha s been threatening on the point of blackmailing when it comes to reporting this on my credit history and turning it over to a collection agency. I 'm trying to keep anything n egative from Navient fro m going on my credit report unnecessarily. I pay my own bills on time and I need my credit to stay in good standing in the event I need to get something for my child who has special needs.
I mailed per Cardinal Financials website, a PMI removal letter with 1 day old Comps from a local realtor who has sold a few homes in my subdivision in the last 2 months, selling for prices that show my home has over the 25 % equity need to remove PMI. This was mailed XXXX, I never received a response from them, after chatting with an agent of theirs on XX/XX/XXXX, they said I wont be able to remove it without an appraisal from their Very Own appraiser, paid by me, and She advised me that I am not to use my own certified NC appraiser of my choice. No document I signed shows this specific requirement, and I do no trust Their appraiser to have my best interest at heart, and feel this is just another way of keeping PMI on my account use vague tricks that help them make more money from consumers. I live in the XXXX Hottest real estate market in XXXX NC, the comps show a average selling price of over {$81.00} per sq ft, up yp {$100.00} per sq ft, my balance is {$130000.00} i have an extra garage, exceeding the realtime comps, and my home is XXXX sq ft. The math does n't lie, I qualify for PMI removal, but Cardinal Financial doesnt want to remove it. I would appreciate any assistance you can provide in ridding PMI from my loan .. 
Thanks, XXXX XXXX
I am a XXXX XXXX who ordered a verification of mortgage with Freedom Mortgage. I faxed in my request along with the Borrower 's Authorization. When I followed up with Freedom Mortgage the first 2 times, they had verified that they faxed the verification of mortgage to the wrong fax # twice. Finally, on my XXXX call, they faxed the verification of mortgage to my correct fax #, however, they did not include a cover letter or their company name or contact number on the fax. The verification of mortgage showed the Borrower 's name, address, loan #, interest rate, loan amount, etc., but NO mention of the Lender 's name or contact #. I called Freedom Mortgage XXXX more times to explain that the verification of mortgage was NOT acceptable because the fax could come from anyone, anywhere and not necessarily from Freedom Mortgage. Due to fraudulent activities in lending, I asked Freedom Mortgage to resend the verification of mortgage with a fax cover letter so that I can verify that the fax is coming directly from Freedom Mortgage and not somewhere else. Freedom Mortgage assured me that they are only required to show the loan # on the verification of mortgage and their name did not need to be on the form. It was their customary business practice. I insisted that they send a cover letter with the form and they assured me that it would be done by XXXX XXXX, 2016 but I still have not gotten it. I am now on my XXXX phone call with Freedom Mortgage but they can not confirm if they can resend the verification of mortgage with a fax cover letter, their name or contact # on the form. I have escalated my request with a Manager at Freedom Mortgage 3 times and they have not assured me that this will be taken care of correctly. This is not an acceptable lending practice and should be investigated.
As of XX/XX/2018 received a call from XXXX from XXXX XXXX XXXX to my cousin phone number. My cousin advised she contacted this number and told the creditor this was not the contact number. As of XX/XX/2018 my cousin received another threaten voicemail from creditor without providing any mini miranda. In addition advised deception of a financial institution in which this was disclosed to a third party without authorization and even receiving this information that they keep calling the incorrect person.
I currently have a Capital One credit card. When I pulled my last credit report, I noticed I showed one late payment in XXXX of 2017. I called and asked if I could have a one time forbearance since this was the only issue I 'd ever had on this account and am in the process of refinancing our house into my name. The customer service representative said this was no problem and they would remove this late payment. This obviously did not happen or I would not be on your website. Once I saw it was not removed, I called again and this time was told that it was impossible to remove any late payments on the account. I explained the reason we had missed this payment was we were having medical issues with our teenage daughter and it just slipped our mind to make the payment in XXXX. Either way, they said it ca n't be done, I asked to speak to a supervisor and they told me the same thing. I even asked to be connected with whoever had the authority to remove this one issue from my credit report and they told me it ca n't be done no matter who I speak to. I know these issues can be reversed as I have friends who have been able to do just that. I acknowledged the late payment, explained why this happened and that other than this one time, we have never had a late payment on the account. Anyway, I 'm just hoping that somehow we can have this reversed and I can move forward with Capital One and get the refinance done in a timely manner.
I have disputed the late payments on XXXX  XXXX XXXX, and XXXX   XXXX accounts for months. XXXX refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
On XXXX/XXXX/15 our Toys-R-Us credit card was stolen. A total of {$530.00} was fraudulently charged to our card. We were notified via email concerning this possible charge to our account by Toys-R-Us Credit card services ( Synchrony bank ). Although they notified us concerning the fraud via email, they have been less than helpful with resolving this charge on our account. Today was my XXXX phone call in to them ( XXXX ) and they advised me today that due to them not being able to verify my account, the investigation to remove these charges has not even started yet. They requested that I mail in documentation ( not fax, not email ) so that they can verify who I am. Meanwhile, my credit is impacted and I am accruing late charges for fraudulent expense. My other credit card companies resolved this issue within days. This is completely unacceptable.
A company XXXX XXXX XXXX has already attempted to sue me one year ago. I have recently received another threatening letter of a law suit and wage garnishment. The credit card debt is XXXX of 8-10 years ago. They had previously sued me apprently filed XX/XX/XXXX for the same case and it was dismissed. I feel I am being harrassed by receiving these letters and they are trying to take me to court again, over very old debt