WillisBack/dataset-financial-user-claim huggingface dataset:
My issue pertains to a recent interest charge from Captial One. As of XX/XX/, the balance on my account was for {$510.00}. This amount, which included interest on that amount of {$11.00}, was paid in full on the payment due date ofXX/XX/2019. My credit card balance was {$0.00} until this morning, XX/XX/, when I checked my account on my phone and saw that I had been charged another interest charge of {$11.00}. The only description on Captial One 's app of the interest charge was for " purchases made on XX/XX/2019'', of which there were none and, as of the writing of this complaint, remains as such. I called Capital One for an explanation and all the representative told me was that this interest charge " was for previous account balances from XXXX and XXXX ''. Obviously, this explanation was not satisfactory and I'm quite dumbfounded as to how I can be retroactively charged interest on a balance that was already paid in full, and which I was lead to believe, according to their billing statements, included any and all interest charges accrued. I will not allow Capital One to hoodwink me into paying interest charges that they know are completely and utterly fraudulent.
I have sent letters and called many times about this account to Conn 's. Conn 's have CON me out of hundreds of dollars and also have me with a 30 day late on my credit bureau report. This account was paid off in XXXX XXXX. Conns contacted me letting me know that I had a balance on my account as of XXXX XXXX. 1 1/2 year later they called me and told me I had a balance still owed. Conns also harass me by calling me multiple times a day after I repeatedly asked Conns Not to call anymore. I talked to someone at Conn 's on XXXX/XXXX/XXXX. I asked her what was the balance because I wanted to pay the account off because it was a promotional purchase of {$1600.00} if paid by XXXX XXXX. I paid her the total amount she told me I owed on XXXX/XXXX/XXXX. This is FRAUDULENT of Conn 's not to give a fair investigation to my account, I paid on all my accounts on time. They are still collecting money from me on this Account. I asked them several times to pull the tape of the call I called on XXXX/XXXX/XXXX to make my final payment which she said was {$950.00}. I also talked to someone on XXXX/XXXX/XXXX and she said if I paid {$150.00} that my balance will be paid in full. She lied. I was still being harass and then I found out that they reported me 30 days late on my credit report. I have ALL my receipts and paperwork. I can be reach at XXXX to discuss this matter. Thank you
Hello My name it XXXX XXXX, i am writing this regarding about discover credit card. In my discover credit there were multiple charges from XXXX XXXX. Those transaction was made between XX/XX/XXXX to XX/XX/XXXX. There were 5 transaction was made total amount of XXXX which i am aware of it. There was a incident happen on XX/XX/XXXX i went to XXXX XXXX  to get something when i got home i didn't have wallet with me. On that time my discover card was in there. then i realize that i may have dropped my wallet at the XXXX XXXX and i was right next day i went to XXXX XXXX and i got my from the master on duty was in lost and found section. After 2 week when i check my credit card i see there was multiple changes form XXXX XXXX. Then i called discover and they assure me that those charges will be taken care of. later they open an investigation from their site. Now after 4 months discover is saying i am reliable for that changes. They said there was other things was purchase at the same day which i am aware of it. they said because i had the card during the purchase thats i am reliable for that changes. Now my question is at that moment of those transaction i wasn't even in the deport. I DID NOT authorize those charges. If discover hold me responsible for those changes they prove that i was physically there. i am 100 % positive they can't prove it because i know i wasn't there at the time of transaction. i did not authorize those charges.
A woman called on XX/XX/2018 at XXXX and refused to identify herself other than to say her name was XXXX. Asked her at least 5 times to identify the company or what the call was about because she wanted me to confirm my name and year of birth before she would say who she worked for. Finally identified the company as Trellis Company, who I do have a payment plan with. I pointed out to her that it was XXXX in my time zone, which didn't seem to phase her at all. She was calling about a {$5.00} debt that was less than 30-days old. All she had to do was say this is XXXX from XXXX and I would have recognized the call as legitimate and answered all her questions, even though it was too early in the morning for her to be calling me.
In 2013 I forgot to pay school taxes in the amount of {$170.00}. There was a tax lien put out, so I resolved it the following year when I paid my taxes. Although the issue was taken care of, I have still received phone calls and letters saying I still owe and it has accumulated interest. The total I 'm being told I owe is {$1300.00}, I recently looked at my credit score from XXXX and it shows that the tax lien was released. The lien shows up on XXXX, but there is no other information provided. The attorneys office that keeps calling me and mailing letters, are telling me there is no proof that I paid. And that I must pay the balance.
My business checks were stolen and I contacted the customer care department to request that I get a new account number. I was told that I need to pay {$30.00} for a stop payment on the checks that were stolen and that I had to go into the branch to get that done. I went into the branch on XXXX XXXX, XXXX, Georgia and was told that every member that is listed on the business with the XXXX of XXXX had to be with me when all of the members listed on the business are not listed on the bank account. I explained about the checks being stolen and was told that was the only way I would be able to get new checking account number.
Ocwen Loan Servicing has engaged in unfair practices by systematically imposing obstacles to make it as difficult as possible for me ( and presumably all customers ) to obtain a pay off quote for my home mortgage loan. Ocwen 's practice of obstructing customers ' access to pay off quotes is harmful because it prevents customers from obtaining information necessary to re-finance home mortgage loans at lower rates, while allowing Ocwen to continue collecting interest from customers at higher rates. When I called Ocwen to obtain my pay-off quote I was told that they could not provide it to me. When I pressed, I was told the only way they would provide it is by mail. It has been more than 10 days now, and I still have not received the quote by mail. I attempted to retrieve the pay off quote online, and Ocwen again placed several barriers to access my account including : a minimum four business day waiting period, requiring me to include my XXXX digit zip code ( rather than the normal XXXX digit zip code ), requiring me to re-register my account and re-setting my user ID and password. Even after completing these tasks, the Ocwen website advised that it would take several days to email the pay off quote. I continue to await the pay off quote, while missing out on opportunities to re-finance my mortgage.
I paid {$120.00} prior to services being removed from credit, never received my detailed report. Everything on my credit was disputed even open credit cards that I have on file and this will negatively impact my credit. XX/XX/17 services was paid for and I never received my audited report. They charged a set up fee which is a violation of the CROA.

They also lied to credit bureau about items on credit and did not inform me of this. an inquiry that I authorized is showing not authorized even from accounts that I currently have cards with. I am requesting a full refund of {$120.00} due to violations of this act. " One of the more important areas covered by CROA is how credit repair organizations can get paid. It is the general consensus that a credit repair company can only be paid after services have been rendered. This can be done using a monthly fee model where companies charge clients on a monthly basis after services are rendered or on the more modern pay after deletion model where clients only pay after items are deleted from the credit report. Companies that charge excess " setup '' fees or all of their fees upfront violate the provisions of CROA. ''
Ford motor credit repossession our car XX/XX/XXXX.We pay them {$500.00} but they still took the car.Then turn it over to XXXX & XXXX XXXX XXXX law office who return put a lean on our property.We file bankruptcy XXXX which we included them for the amount of {$11000.00} which have they refuse to honor the court dismissal of this XX/XX/XXXX discharge they will not remove the lean.
I am nearing the end of the lease agreement of a XXXX XXXX XXXX that I leased in XX/XX/XXXX. The payoff sum is in estimated to be about 11,919. Financing will not be a problem. In order to obtain the proper financing, a vehicle buyout agreement will have to be obtained from XXXX XXXX XXXX ( XXXX ). Upon speaking to XXXX XXXX XXXX representatives, they claim they will send the requested documentation and then don't. This had been on going since early XX/XX/XXXX. Attempts were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

AllI I have received is lip service. This unfair tactic effectively ties me to the existing interest rates with XXXX holding the process hostage. I am entitled to payoff this debt at my own will using my own creditors.
I have no knowledge of the following inquiries inwhich keep being reported on my credit report by the credit agencies inwhich has not given me any substantial documentation of such doing. I'm very aware of what an inquire is and how they get there inwhich seems to be the only response from the credit agencies. The knowledge of what an inquiry is. My next step is to file suit against the 3 credit report agencies for harassment if the following inquiries remain without physical verification. I'm requesting the following to be blocked from my credit report, XXXX ( XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX   ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Navy Federal Banking. They are looking for people who are not at my phone number. XX/XX/18 spoke with manager after months of daily phone calls with messages left on my answering machine and was assured they would stop, They continue to call at all hours and on weekends. XX/XX/18 another call looking for the same people. Spoke again with a manager who gave me the address for Navy Federal legal department who I will be writing to let them know I will be seeking legal action if the calls do not stop.
I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX and a second one that was dismissed reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; 2. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy.
XX/XX/2018 XXXX XXXX XXXX XXXX. XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Theft XXXX XXXX, On XX/XX/2018, what shouldve been a simple request to wire funds from my XXXX Equity Line of Credit account to an Equity Line of Credit account managed by Bank of America, your employee with assistance from a Bank of America employee intentionally sabotaged the funds that were to be wired to my Bank of America Equity Line of Credit account. 

Bank of America intentionally returned the funds to XXXX in order to exact a {$40.00} fee in addition to XXXX {$20.00} wire fee. All excuses specific to why the funds were returned were blatant lies, lies in retaliation for a prior complaint that I filed with the Consumer Financial Protection Bureau against XXXX and Bank of America. 

Even though the theft of my {$60.00} is disheartening, having to go to a XXXX branch and be forced to argue with a XXXX employee about poorly trained XXXX employees was a very scary time for me. A XXXX man, arguing with a XXXX  woman in a bank caused me to be in fear for my life. 

Moreover, if your employees needed a laugh and decided to have fun with the XXXX, then, I sincerely hope that your employees have satiated their constant cravings for XXXX amusement. Ha! Ha! Ha! .You have a nice home and a financially rewarding job. Do you really need to XXXX me in order to acquire more money? 







Cc : XXXX XXXX XXXX-CEO Bank of America XXXX XXXX XXXX. 
XXXX XXXX, MA XXXX XXXX XXXX XXXX- XXXX Branch Manager XXXX XXXX XXXX XXXX 
XXXX XXXX, Md. XXXX-XXXX
I leased a XXXX XXXX XXXX through XXXX XXXX. The lease was financed through Chase Auto Finance. It was a 36 month lease but the dealer offered me an early lease termination deal and I ended up leasing a XXXX XXXX XXXX and again financed the lease through Chase Auto Finance. I returned the XXXX XXXX to the dealer on XX/XX/XXXX, made my last payment on XX/XX/XXXX in the amount of {$310.00} ( dealer advice to make this extra payment just in case ), Chase received the payoff from XXXX XXXX in the amount of XXXX on XX/XX/XXXX and sent me a balance of {$280.00} on XX/XX/XXXX. I called Chase to ask for an end of lease bill to see why I was charged {$28.00}. A CSR took my request and asked me to wait for a letter from Chase. On XX/XX/XXXX, I received a letter from Chase, but did not contain any itemization of the end of lease charges. Instead, the letter provided a number to call which I did. The person on the other end could not provide any information and transferred me to another department. The person I spoke to said they could not see any explanation on the final charge and suggested that I should call back after 60 days. This is the most ridiculous customer service I have ever received. For no explanation whatsoever, Chase just took {$28.00} from me, and I don't know how many people were in the same situation but did not bother to call to find out why. This is a very irresponsible and abusive lending practice and should be stopped before more customers are taken advantage of.
This is in reference to Barclay Card. They are not only calling outside of the XXXX - XXXX timeframe, which I have a log of when they call, but they have repeatedly called me at work at XXXX. When they call at work, I am on a recorded and monitored line and I could be fired for such calls.
LexisNexis failed to mail my XXXX report which is part of their full file disclosure that I requested back in XXXX. 
I have called them about it and they told me they would mail me a copy, but nothing has come.
I have 3 cards, all purchased at $XXXX from the same XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, NY.  Two of the cards were purchased and the cards inside had apparently been utilized in 2016 and the other said it was inactive. All 3 cards were charged properly to my credit card. I sent all of this info in and I have yet to hear back.This is a significant amount of money and I am in need of mediation.
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per FCRA, a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
XXXX had my loan when I was in school. Prior to it coming out of deferment, I updated my address with XXXX. When they transferred the loan to American Education Services ( AES ), somewhere in the process, the new address got completely lost and my previous address got transferred incorrectly. I never received notification of the transfer of my loan, nor a bill. 
In my complaints directly to AES, they claim : 1. they did not have my permanent address. ( see attached document directly from their site proving they did ) 2. They sent my mail to the same address as they sent to my cosigner " XXXX '' ( see attached document proving they sent my mail to " XXXX ) I therefore, not only did not get the mail to my PROPER address but also somewhere in the transfer they changed my street name and town. ( there is a XXXX and also a XXXX town ) It was n't until I went to refinance my home mortgage that I found out a company was tanking my credit score.
I contacted the application Credit Karma due to information published from lenders for my current student loans reflecting an increase to the interest of those loans but all loans showing in current status and in Deferment or Forbearance. My score recently dropped XXXX points due to the reporting from these lenders of the interest accrual. I reached out to the lenders and was advised that my score should not have been affected due to the up to date status of my loans. I reached out to Credit Karma and was told it was due to the balance increase and that was the reason for the drop in score which was inaccurate.
Hilcrest and Davidson has placed a collection account on my credit file indicating that I owe a debt that is not mine. I have made numerous attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed. I have received a copy of a billing stated which is not debt validation. There is no signature or contract provided. In order to collect on any debt and report any debt by law the collecting party must have this information and provide it to me. This has not been done. 
I have attached a copy of the billing statements i was provided this is not validation.
In XXXX of 2016, my husband and I renewed our investment property insurance with ( XXXX XXXX PA, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ) ( XXXX. Company is XXXX XXXX XXXX XXXX ). 
On XXXX XXXX, 2016, my husband and I received a letter ( see attached ) from our investment property Mortgage Company ( M & T XXXX. XXXX XXXX, XXXXXXXX XXXX, phone # XXXX ) stating that we do not have sufficient flood insurance and that our investment property is in a [ Special Flood Hazard Area ]. And the letter went on to state that if they ( the mortgage company ) did not receive updated flood insurance, that they will obtain another flood insurance policy on the property. 
On XXXX XXXX, 2016, I called the XXXX of XXXX XXXX where the investment property is located and inquired as to what type of flood zone our property is in. According to the letter sent by the City of Sunrise, our investment property is not located within a Special Flood Hazard Area based on the Flood Insurance Rated Map ( FIRM ). [ See attached letter. ] On XXXX XXXX, 2016, we faxed a copy of the above letter to ( XXXX XXXX XXXX Insurance Agency ) and emailed a copy of the letter to M & T Mortgage to their offered website in their letter XXXX XXXX XXXX. 
Approximately on XXXX XXXX, 2016, we received a letter from M & T Mortgage stating that they had placed another Flood Insurance Policy ( see attached ) on our Investment Property, knowing that my husband and I already have sufficient flood insurance on the investment property. 
The mortgage company needs to have more respect for laws, policies and for us as property owners. M & T Mortgage does not own us and we are not someone to push and kick around. 
M & T Mortgage has falsely placed another flood insurance policy on our investment property causing us the responsibility of XXXX insurance payments. I hope you can inform M & T Mortgage that a federal policy/law is in place on this matter and they are not abiding by it, so they need to. We actually do not have to carry flood insurance because the property is not within the flood zone map, according to the XXXX of XXXXXXXX. But, M & T Mortgage Company goes and force place flood insurance on our property like we are some type of insignificant individuals. And took the flood money out of our escrow already, which I hope you inform them that they need to replace it back.
XXXX/XXXX/XXXX I went to store Best Buy XXXX and salesperson name XXXX  pressure to check if i am eligible for store credit card and then took all my information and few minutes later announced that i approved for a credit card. When i told him that i do n't want credit card he replied t now it too late and I absolutely have accepted it. My response was I do n't want to accept it and he replied then what will happened in a future if at some point I will decide to open card they just do n't let me open card. 

This is similar to XXXX XXXX crimes.
I am filing a complaint against  Convergent   XXXX   XXXX   XXXX   a nd credit bureau  XXXX   &   XXXX . I receive a debt collection letter by mailing regarding a  XXXX   XXXX  account #  XXXX . I have no knowledge of this account information under  XXXX   XXXX . On  XXXX / XXXX /  XXXX   I sent a certified letter asking this agency to verify this debt with documentation and have not received a response from them, However I also disputed with  XXXX  and  XXXX  on several occasions and they continue to send credit report back as being verified. This debt collection agency has not responded to my request so how is it that the credit bureau continue to verify this account as my debt.
The house is sold, the mortgage paid in full but Wells Fargo has not processed my escrow refund. I have told them twice that I need my money and they ignore it.
i have a payday loan which went into collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX file # XXXX.orignal debtor was checksmart financial co inc, california check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks