WillisBack/dataset-financial-user-claim huggingface dataset:
I had a credit card with Capital One and had been paying off the balance in full to increase my credit score. I had this card for about a year before I had to move to the XXXX XXXX XXXX XXXX for a new job. The sale of my house in XXXX, where I was moving from, had a few bumps in closing. For a few months, I had to pay for my XXXX home mortgage and my XXXX XXXX rent, which was almost twice as much as the mortgage. My savings dried up and I had to rely on my credit card from Capital One. 

When I finally got my head above water, I found myself 6 months behind on that card with a balance of {$7300.00}. This was my fault and I accept the responsibility of letting this card default. 

On XX/XX/XXXX, I called Capital One to fix this. I was told that there was no way for me to partially pay of the balance and be able to continue to use this account. I asked if I could settle the account for less than what was owed. After some back and forth, I agreed that I could pay {$5000.00} of the balance in order to settle the account. I was told the remainder would be written off as " bad debt ''. I paid this amount through my mobile app on the same day after getting off the phone with their customer service. My part was done. 

I did not receive a letter from Capitol One confirming the account had been settled. They did not call me or send me letters regarding the amount that would be written off as " bad debt ''. Unfortunately, I was not great at monitoring my credit at this time and did not see that Capitol One never closed this account. 

On XX/XX/XXXX, I was woken up by a person banging on my door trying to serve me. I answered the door and the man informed me that Capital One was suing me for the amount of {$2800.00}. 

Since then, I have done some research on Capital One. They sue their customers more than any other bank and for amounts less than {$1000.00}. I have been forming my response to the court and will send it off shortly. 

I also called Capital One and the people I spoke to were also surprised that the {$5000.00} payment was not a settlement payment. I was told that they are looking into this but I am not sure what will come of that. 

Is there anything else I can do to fight this? I'm not trying to take something that isn't mine and I did my best to resolve the situation with Capital One at the time. I went through their processes and contacted their channels to solve this.
On XX/XX/2018 I sent a certified validation letter to XXXX XXXX Bank as well as XXXX XXXX loan asking them to verify the account that their company is claiming to be charged off. It was verified as received through the postal service as received on XX/XX/2018. Per the fair credit reporting act and the fair Debt Collection Practices act they are required to provide written proof bearing my signature. They are reporting incorrectly and I am requesting that they fix this. Also Another letter was sent out certified asking them to validate charge off accounts on the XXXX of XXXX, 2018 and was verified as received on XX/XX/2018 as well. My next step will be taking them to court because are in direct violation of the Fair Debt Collections Act as well as the Fair Credit Reporting Act.
I paid my bill in full and tried to use my card and it was declined. I called city card they stated my account was locked had me verify information and unlocked it. XX/XX/XXXX i attempted to use my card again and it was locked i called city back and was transferred to the fraud XXXX XXXX dept. .. after hours on the phone they will not unlock my account. I have begged and pleaded with them. It is XXXX time and im trying to use my card to shop for my children. They refuse to give me any information as to why my account was locked. And the are sending me a letter in the mail that takes 10 business days. I have never been treated this badly by a company in my entire life
XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with Experian,   XXXX   and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report.
First Advantage conducted a criminal background check on me and rendered results that included false, inaccurate, incorrect and imcomplete information. I have had to dispute this issue with First Advantage several times to have the errorneous information removed. First Advantage is a violator of the FCRA. First Advantage removed/deleted the errorneous information in XXXX XXXX, reinserted the errorneous information in XXXX XXXX, reinserted the errorneous information in XXXX of XXXX and removed the errorneous information again in XXXX XXXX. Recently, XXXX XXXX First Advantage reinserted the incorrect, incomplete, inaccurate infromation again causing me to be denied employment. Please see attached : the attached case XXXX shows where the case was DISMISSED and I was never charged nor incarcerated, First Advantage has failed and neglected to include this pertinent information in the background screening and DISSIMENATED this inaccurate, incorrect, incomplete information to third parties.
Hi well flagstar was my bank they wouldnt modify my loan stated i didnt have enough income.I explain my income would go up in a few weeks They only added my income up and said i couldnt afford the morgage. I feel they could have did something to help me i had been in my home for 22yrs. and lost and walk away with nothing. Flagstar took the loan and 3 mos later is when my income drop thats why they said i couldnt afford the lloan. If i knew i could have come up with more income from a family member maybe i would had better chance. but they recommended nothing i feel im still intittled to something what a lost for me do u know of anyone to look further into my case. I was supprise to see they have to pay back so much money to consumers i wait for your response Much Thanks
In XXXX, I made a large purchase at Kohls.com that was subsequently cancelled by the retailer. While the order was successfully cancelled, the gift card that I used was not refunded and was drained in full to the tune of {$250.00}. In my initial conversation with them on XXXX/XXXX/16, I was told the gift card was being refunded and the funds would be available the next day. This was a conversation with a gentleman named XXXX in the order review department. One week later, the funds were still not available. I called back to the same department and spoke with a woman named XXXX and I was told that the gift card was accidentally XXXX out and that another one would be issued to me and mailed within 30 days. While I did complain about the length of time, they said this was their policy. I waited more than the 30 days and again called to inquire about my gift card ( XXXX/XXXX/16 ). At this time, I was told there were no notes on the account and that nothing had happened with the card since the last time I called. The supervisor apologized and said a card was going to be mailed out. I again waited another 30 days with no card. On XXXX/XXXX/16, I called the same department and spoke with a gentleman by the name of XXXX. He said that the card had still not been sent and he was very sorry. He said that he would personally ensure that it was handled and would call me to follow up on the process. He also assured me that I would receive the refunded gift card in XXXX business days. Today is XXXX/XXXX/2016 and not only did I not receive a call back from him or update on the process, but the card has still not been received. This is fraudulent business practices and I am beyond angry with this process. Kohl 's has had the {$250.00} from my gift card since XXXX, over 4 months.
On  XXXX / XXXX /2017 I received A check From A   XXXX   XXXX   Job I Applied For Off Offline, With The Check Was Specific instructions Too Deposit The Check Into My Account & Proceed To   XXXX   XXXX    To Complete The Assignment My Pay Was   XXXX   Dollars & With The Rest I was Suppose To Complete A   XXXX   XXXX   Assignment On The Company   XXXX   XXXX   ... I called Capital One After I deposited It, To Check On it & I was Told My Account Would Be Closed Because The Check was a scam I Pleaded My Case I honestly Thought It was A Legit   XXXX   XXXX   Job I had No Idea The Check Came  XXXX  Priority I 'm So Afraid I Didnt Know The Check or company Was part of a Scam I never Would Have deposited It Into My Account I Never Gave The Company Any Of My Bank Account Information I only Applied With My basic Info Which I explained That To The Agent From Capital One I was Talked To Very Rude & Treated Like A Criminal
Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Creditor Contact Details XXXX, TX, XXXX Direct Dispute Account was included in Chapter # XXXX Bankruptcy XXXX XXXX, 2015, Account should Reflect closed.
The amount I am disputing with this company is {$120.00}. On XX/XX/2017 - I applied to be a resident at this property. The day of application, the property had free application fees waived on approved credit. Since my application was approved, the company was only authorized to withdraw {$100.00} from my bank account. The {$100.00} was for a holding deposit. Therefore, I set aside {$100.00} for this withdrawal. Instead of the company withdrawing the authorized {$100.00} -- they attempted to withdraw {$190.00} -- {$100.00} for the holding deposit and {$95.00} for the application fees. My bank denied the transaction and I was charged a bounced check fee of {$35.00} with my bank -- I have called their office multiple times and I have never received a response nor have I gotten my call picked up in attempt to resolve this. XXXX XXXX first attempted to collect {$220.00} - {$25.00} NSF fee, {$100.00} cancellation fee and the {$95.00} application fee. After disputing, the company removed the {$95.00} application fee but will not remove the other charges that are clearly their fault. The {$100.00} cancellation fee and the {$25.00} NSF fee. This company has continued to collect and refuse to respond to any of my messages.
I have undergone a serious life threatening XXXX XXXX requiring extensive XXXX, I informed the bank of this and requested that I not be charged any fees for holding my money during this time or I would like those accounts closed instead of being charged ; the banker agreed. I was shocked to emerge out of XXXX to see that my account was overdrawn by {$100.00} or more!
I used an escrow company to close for a house purchase on   XXXX  -2016 in  XXXX , WA. I signed my paperwork in their office. I did not receive copies of what I signed. They overcharged me fees, and after closing, mailed my {$160.00} refund check to the incorrect address. They mailed it to my previous address, not the address of my new home I closed on that day. I never received the refund check or my paperwork. Now they are demanding to deduct {$45.00} from my refund for a stop payment fee for the check they mailed to the incorrect address. They said they do not have control over the United States Postal Service. I would like help in getting my full refund, and copies of my final settlement statement, and paperwork. In past real estate transactions, I received funds/refunds the day of closing at closing. They did not have a problem calling me when they needed something, however, they did not call me when I had a refund coming I could have easily picked up considering their office is less t han 2 mi les from my home. Something else is how Point Escrow 'price matched ' on their fees was deceiving. Their fee was {$1800.00}. I found a company whose fee was {$1500.00}. I appreciated the price matching, however, they only lowered my half of the fee by {$150.00}, instead of lowering it by {$300.00}. They said if the seller sent the price match in, they would lower it for his half. I thought since I found the price match, that my fee would be lowered by the full {$300.00}. It ends up I had to tell the seller about the price match, and provide the info to him to send in for the price match too. I had to ask him if he would reimburse me for the savings I found, or use it towards a professional cleaner for the house. Awkward, and of course, neither happened. Thank you!
I have a {$200.00} that I personally purchased in XX/XX/2003. I attempted to redeem my XXXX XXXX money order and at my financial institution and it was returned due to a retired routing number that occurred because JPMORGAN CHASE purchased XXXX XXXX XXXX. XXXX XXXX is the Bank account XXXX XXXX had which states on the money order " payable through XXXX XXXX ''. Because JPMORGAN Chase purchased XXXX XXXX ; JPMORGAN merged all of XXXX XXXX to JPMORGAN Chase, which makes Chase the originatiting bank to contact for redemption of money order. When contacting JPMORGAN Chase ( via phone, and email ) they said they have no records of my money order and that they will not pay me the value of my money order which they are responsible for reimbursing me because of their XXXX XXXX purchase! Attached are two emails addressing this matter. In the corresponding email JPMORGAN Chase executive office said " JPMORGAN Chase will not reimburse you for the money order XXXX XXXX supposed to pay '' some how that email was removed from my email account by JPMORGAN Chase IT department or executive office ; some how that corresponding email was delivered and no faulty action on my behalf was removed.
I have a series of erroneous, credit-damaging late fee payments reported by  XXXX  on an overdraft account dating back to    2015  -- that I did not know existed.      XXXX  has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my accou nt. ( See   XXXX  communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated by  XXXX  as a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.
We are receiving notice from the township that our property tax has not been paid and we are delinquent. We placed several calls to LAKEVIEW LOAN SERVICING to inform them that the township has not received the property tax payment. We were told that it has already been sent. The first notice was for XX/XX/XXXX and the second notice was for XX/XX/XXXX outstanding tax dues. Currently, we are given notice that our home will be placed on lien if XXXX XXXX XXXX  can't provide supporting documentation that the payment has been mailed, cleared and received by XXXX XXXX, NJ. We are given untilXX/XX/2018to make the payment. We were told that they do not have access to these supporting documentation available since they use a third party company to disburse funds. I have spoken to a supervisor to assist with the issue but has not returned any call for an update. I am hoping this agency can assist me in this matter. I have a mortgage account and escrow account in good standing and it is unfair to put us through this situation when we have more than completed our obligation, to pay our mortgage on time. We have sent a copy of the delinquent notice the moment we received them. We have placed repeated calls sincXX/XX/XXXX but XXXX XXXX XXXX has not resolved this issue.
For several months I have been trying to get XXXX XXXX XXXX to have State Farm Bank to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that State Farm Bank charged off in 2009. XXXX XXXX XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from State Farm Bank or XXXX XXXX XXXX as an attachment to an email. My email address is XXXXXXXXXXXX
Last year XXXX 2016, I contacted Navient 's Office of Customer Advocate via phone and email asking them once again I 've hit some hard times if I can please make lower monthly payments ( that was based on the principal only because its a 12-month repayment plan ). After about 30 minutes on the phone I asked to speak to a supervisor because what the representative was telling me was not paralleled to other previous conversations with other representatives in the past. After about an hour on the phone with the supervisor he was blatantly disrespectful instead of helping me with a resolution I had to hang up the phone because he was not customer service valued. Through my frustration in getting no where I wrote the below email : Thank you for your timely response in assisting me to find a better solution for my private student loans. You are correct, I had recently discussed alternative repayment options with Navient Private Collection Department on XXXX XXXX, 2016 and XXXX XXXX, 2016. What was not communicated to you properly is that on XXXX XXXX, 2016 I spoke to a female representative and a male supervisor and the option of the {$460.00} was never presented to me period. Both proceeded to say that the only option was {$560.00} and even throw out an outrageous number. Instead of being patience with me because I was not being confrontational the male supervisor raised his voice with me and was extremely disrespectful in not helping me find a solution at all then He proceeded to verbalized comments that was out of line. 

Through out that time my co-signer was harassed through out the day. Navient said that I as the borrower did not want to make payments so its up to him ; which was a lie. They threatened him with wage garnishes, they somehow got a hold of his wife personal cell number and harassed her and they would call after my co-signer after XXXX. 

School : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl
My family bought our first home about a year ago and we have had our mortgage servicing changed 3 times in the past year. Our current mortgage servicing company is Freedom mortgage. I tried to make my XX/XX/XXXX payment with this company on XX/XX/XXXX and I received a confirmation # from them which I have. They gave me a call on XX/XX/XXXX saying the payment had n't gone through even though I received a confirmation. I was told the bank info had a XXXX number error and it did n't go through because of this. Now they have added a {$73.00} late fee to my payment. Prior to this, I tried in XX/XX/XXXX to get automatic payments done, but their website would not allow me to do this. I also called them on the phone to do this without any avail. Furthermore, they 're website does not have the capability to save bank information ; therefore, it would be very common to have a human error when making payments. I was supposed to have a manager call me and reverse the payment. I had to call back today on XX/XX/XXXX because I have not had anyone reach out to me. Furthermore, I waited an hour and half and was still not put in touch with a supervisor. On top of this there was no record of my call on XX/XX/XXXX with them because their customer service rep forgot to save the notes. I 'm very upset that this company treats its customers this way and tries to gauge them with late fees.I never signed up to work with this servicing company and have been forced to do so because my mortgage keeps getting sold. Furthermore, they do not help their customers fix issues and waste their time when customers try to resolve issues. This is very troubling and this company needs to be investigated for their practices.
A charge-off was reported on my account with XXXX for a negative balance of ~ {$15.00}. The address the bank had on file was wrong, and so I did not know that I had a charge off until it was reported on my credit score. I then contacted the bank and paid off the negative balance. After paying off the balance, they agreed to have the charge-off removed ; however, there was no response from TransUnion. The collections department at the bank told me there was nothing left to do, but sent me the form they submitted to have the charge-off removed so I could remediate the issue myself. I submitted a complaint with TransUnion twice and received no response nor change to my credit report. The contact information I have on file with TransUnion is up to date -- there has simply been no response.
XXXX XXXX cards ( specifically reward cards ) uses an archaic payment system which will not allow you to schedule automatic payments out past the current billing cycle. The system is set up that way because many people forget to log on each month causing a large late payment fee, typically over {$38.00}. During Hurricane Irma we were a bit discombobulated and I forgot to log on. In the meantime they hit us with late charges and would not ever consider accommodating the circumstance. I have not paid card in full and will no longer do business with a company that is set up to hit consumers with late fees when their system is not even up to date with the industry. Other consumers need to be aware of what they are getting in to.
Bank is charging {$15.00} per month repeatedly including in XXXX of 2017 and months prior. When account was opened advised minimum balance of {$500.00} for account and now they are claiming, fraudulently, {$1500.00} balance.
On    XXXX   XXXX   XXXX      a debt collector called me the phone # is  XXXX . They threatened to sue me, take me to jail bring the cops to my home, called many of my family members told them the same thing saying they are going to bring the police to their house to search for me. First off I went banckrupt case was finalized   XXXX   XXXX     in  XXXX   XXXX   XXXX   XXXX . Secondly I am in stage  XXXX   XXXX  I told them I was bankrupt and they said they do n't care their still going to sue me please help
After checking my credit report, i noticed that Diversified is reporting that i owe money on a bill that is not mine. This is incorrectly reported and needs to be removed immediately
My automatic debits for Wells Fargo are set for the XXXX of every month which typically take a couple days to show up on my bank account as expected. 

OnXX/XX/XXXX ( Wednesday ) two debits of the monthly payment were taken out. This caused an overdraft of my bank account of {$36.00}. 

My bank can't refund the overdraft fee until Wells Fargo submits the refund. I had called Wells Fargo onXX/XX/XXXX ( Thursday ) to get that amount refunded. After going back and forth ( stating that I needed the refund to clear the overdraft fee versus not having it a charge for next month ) with the customer service representative that I needed the amount refunded they agreed to do so. 

It was also explained that this was a glitch in their system and that it would be taken care of. I was then asked if I would like to be added to the new system. I stated " Please keep me on the normal payment schedule and refund the extra charge ''. Again there was a lot of back and forth on if I would like to be put on the new system so that my payments would be auto-drafted as they were before. 

I kept saying " Please keep me on the normal payment schedule and refund the extra charge ''. Finally I thought I had gotten through to the representative until I received the attached letter. From my understanding, this letter states that it's OK for Wells Fargo to charge me up to three times the monthly amount before they notify me.
Did not read mini Miranda and hung up on me and keep calling twice a day after I answer the call every morning they call
I have made several contacts with Experian concerning my credit report update and score. Each time I have to request a new confirmation number. I have been unsuccessful in reaching out to them concerning my credit score over the last week which has not increased since clearance of debt on my account. Apparently it is remains in the lowest 600 or high 500 while the ratings from XXXX and XXXX  are now in the upper 700! I spoke with both XXXX and XXXX to verify after receiving a XXXX score from XXXX XXXX which was a combination of all 3 scores verifies that Experian has not updated my credit score. There are no liens, later payments excessive debt on my account to warrant such a low outlandish score!