WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old Capital One credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the Capital One monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the Capital One statements, the account was charged-off on XX/XX/XXXX and based on Capital One policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to Capital One was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX  ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called Capital One ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX XXXX and XXXX  but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. 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. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
On XXXX/XXXX/15, PNC Bank stole {$100.00} from my account and attributed it to overdraft fees, regardless of the fact that I had well over {$200000.00} on deposit in my account -- which was certainly more than enough money to pay for any check or electronic payment that I would have initiated.
On XXXX XXXX, I received several calls throughout the day from XXXX in which no voicemails were left, in the evening I was able to answer the call which was from Citi Cards stating my account was past due. I accessed my online account through XXXX bank and gave the representative from Citi Cards, XXXX, the check and transaction number paid to them on XXXX/XXXX/16 in the amount of {$100.00} and asked that she update the record to reflect that the account was up to date and to also avoid any negative credit bureau reporting and she assured me she would. Unfortunately, I have continued to get calls from Citi Cards, literally, every two hours for the past week and I have spoken to Citi 's other representatives XXXX, XXXX, and XXXX restating the above info and requested an investigation ( # XXXX ) only to continue receiving collection calls, as they persisted to state that no payment was received or processed. I offered to e-mail Citi Cards proof of payment from my bank in which they stated they were unable to accept e-mails only faxes, unfortunately I am unable to drive so that was not an option for me. However, I did inquire about my previous discussions with their reps to which XXXX confirmed the documentation was reflected in their records yet she was unable to answer why I was continuing to get phone calls from the collection department. I then spoke with my bank ( XXXX, XXXX XXXX to re-affirm the payment was processed in which XXXX confirmed the check was cashed but actually on XXXX/XXXX/16 and she offered to fax the proof of payment to Citi Cards ; to which I called Citi Cards again, having an average hold time of greater than 40 minutes, to request their fax number. I was informed by XXXX that she did not have any fax number to give me and the only thing she could do was to transfer me to, I believe the processing department, in which I waited 33 minutes only to be disconnected. I then called back and spoke to XXXX which willing gave me the fax number ( XXXX ) to the Payment Investigation Department and then had XXXX from XXXX fax them the proof of payment. I hope this last effort will resolve this matter as the tactics, poor communication, lack of cooperation, and the time it has taken me to try getting this issue resolved has been frustrating to say the least and I sincerely believe that I have been harassed in this situation in which I was forced to help the creditor resolve their erroneous processing of my payment and hope that such irritating circumstances can be avoided in the future not only for myself but other customers!
I was recently a victim of identity theft and this card was opened. It went in to debt and Im left with paying it the thieves had my SSN, address, email address, birthday everything needed to be me. Passwords and all. I never went into a capital one there was never a face to face varfiying it was me
To whom it may concern, I have been in dispute with American Express Serve for the last 8 months over a charge that they keep placing it in my dispute, I did not put that on the original form, " XXXX XXXX XXXX XXXX XXXX for {$10.00}. '' By them doing this they keep denying my dispute claim for the money that I lost over the XXXX season in XX/XX/2017. I sent this dispute to you before and due to my own negligence I did not notice the discrepancy in the total amount for the dispute charge. After going over my records again and going over my original dispute charge and looking at past emails I found where the issue had laid. The total amount was {$1800.00}, that I lost on XX/XX/XXXX. American Express says that it was {$1800.00}. That is incorrect because they keep adding {$10.00} from the XXXX charge, where I lost the card. I didn't understand the miscommunication that I was having with American Express, especially since I also put in a police report stating that my last transaction that I made was at XXXX XXXX XXXX. I also sent them a copy of the police report to help clarify the situation. Again they denied my claim.
After several unexpected medical bills, and with no living family to turn to, I was forced to search for a quick way to pay bills in advance of my regular paycheck. I found Green Trust Cash after a frenzied google search and the agent I spoke to was friendly and understanding, if hurried and pressuring me to see the benefits of having cash now. Agreeing, I accepted the terms of the loan, not understanding the incredible interest rates or the way that I would not be able to increase my payment schedule/pay the principal down quickly -- - although the agent I spoke to assured me that repayment was easy. I received the {$300.00}, less {$25.00} in wire transfer fees, and the schedule for repayment began. As per the loan agreement, I paid {$720.00} over the course of 3.5 months, more than 200 % of the loan. However, with the clear of day, I have come to understand that they are attempting to charge me 751.07 % ( or a total of {$1400.00} ) for a loan of {$300.00}. I was unable to keep up with their punishing 'repayment ' schedule, that actually kept the principle very high, so as to keep me paying for as long as possible ( more than 1 year ). I closed the bank account they were aware of in order to get some breathing room ( after being charged late fees/overdraft fees ). Then, before I was able to contact the lender about finding a schedule that would fit within my state 's legal repayment/interest laws, Green Trust Cash began to badger and call incessantly. Some times as often as 4 times a day, on my personal and work phone numbers. Having a diagnosed XXXX, I have been thus far unable to answer their abusive emails, voice mail messages or calls. I am in over my head and in need of help. Please do not trust this company.
I have never received a letter or been called about this debt. I did not know it existed until I applied for an apartment and they brought it to my attention. When I called National Credit Services to explain I have never in six years been made aware of this debt I was told by a XXXX XXXX that my only option was to pay. I fully dispute this debt, as it was for an early termination fee that I was made to understand would be collected from my initial deposit on the apartment that sent this debt to collection. Because it has been six years, I no longer have paperwork regarding that apartment and the apartment no longer exists, as it was bought out by new management years ago. So I am not able to see if the apartment still has records on file. XXXX XXXX also told me I can not dispute the debt and when I asked for written verification of the debt, he said it would take three weeks to send it out to me. Under law, I believe they have five days to do so. I would like to dispute this debt, but the rep from National Credit Systems in XXXX GA refused to give me information besides repeating the amount and name of the apartment. I am also unsure if this debt can legally be collected because of how old it is. When I asked him if it had reached the statute of limitations time limit, he said he did n't know what that was. He puts me on hold for XXXX min in order to avoid my call and I have still never received a letter or call from them.
Ive reached out to the company via the bureaus requesting validation of the accused debt. The company have not responded to my request of validation and is currently reporting inaccurate information and debt amounts on my reports.
I was contacted by Detective XXXX with XXXX XXXX PD in CA on XX/XX/XXXX. He advised I was a victim of fraud. Detective XXXX   can be reached at XXXX, Case # wcpd XXXX I am also working with Det. Lt. XXXX XXXX # XXXX with the XXXX  Police Department in in MO. Detective XXXX  can be reached at XXXX, Case # XXXX. I am also working with US Postal Inspector XXXX XXXX  with the XXXX XXXX XXXX XXXX. XXXX XXXX can be reached at XXXX, Case # XXXX. I have also filed a report locally with the XXXX County Sheriff 's Office with Deputy XXXX XXXX. XXXX XXXX  can be reached at XXXX, Case # XXXX. The perpetrator is XXXX XXXX XXXX  who has been arrested and will stand trial for Identity Theft via US Department of Justice, Case # XXXX  Court Docket # XXXX, prosecutor XXXX XXXX XXXX. I understand the file has also been forwarded to XXXX XXXX FBI. As a result of this, I filed FTC Report # XXXX. Included in that report are accounts affected by the crime including fraudulant auto loan or lease XXXX XXXX XXXX, Account XXXX for amount {$72000.00}. I notified them by letter on XX/XX/XXXX that I was not responsible for these charges. Also included was fraudualnt mobile phone account Receivables Performance obo XXXX, Account XXXX  for amount {$3000.00}. I notified them by letter on XX/XX/XXXX that I was not responsible for these charges. Both companies are still reporting to XXXX. I am still trying to resolve this and could use your help please.
On XXXX XXXX 2017 I did a wire transfer of {$10000.00} from my XXXX XXXX XXXX XXXX Account to XXXX XXXX company 's Account in Bank of America. While processing the request online one digit in account number was missed. Bank Of America rejected the wire due to invalid account number and charged {$45.00} and sent back {$9900.00} to my bank. I do n't understand how can XXXX charge me, I did n't have any contract with them. Just because they had access to my funds does n't mean they can keep any amount. I called my bank and they were unable to help as they did n't charge me, so they could n't reverse it. There is no way for me to contact XXXX as I do n't have an account with them and it 's hard to figure out on self automated customer care phone number, with no real person to talk to. This {$45.00} charge is unfair and I would like to have a full refund.
Bank of America Credit Card Purchase Protect I purchased XXXX/XXXX/XXXX a cell phone XXXX on XXXX and it turned out to be defective. The battery inside was ready to blow up and we were instructed by XXXX XXXX company to remove it ASAP. I contacted XXXX seller trying to resolve to no avail. Tried going through XXXX return no way because I removed the dangerous battery they say it is not in its original condition. XXXX same thing and Bank of America denied my dispute as well. I have been a long standing customer of Bank of America and since they were not willing to assist in this in any way I said to close my account. They were heartless and un-caring. I tried to find a corporate number and they hide behind Customer Service number. Even the CEO XXXX XXXX XXXX 's supposed number is the same Customer Service number. Their corporate filling uses the same number. To me they do not want to deal with the customers who make them what they are, Wealthy! I am not done I will tell everyone of my experience with them and will never have anything else to do with Bank of America or their affiliates, which some of us know who they are too.. 

XXXX/XXXX/XXXX Update : On XXXX/XXXX/XXXX I revisited XXXX resolutions dept. and finally got them to understand the danger involved with the cell phone battery. They promptly refunded {$120.00}. So I thought I would try to appeal to BOA 's conscience and spoke with several people and eventually elevated to a XXXX who stated he would reinstate my card. He proceed to ask me for my financial income yearly and other personal questions. I asked you are not dipping in to my credit report are you? His answer was no. XXXX stated it would take approximately 24 hours for it be active again. On XXXX/XXXX/XXXX I received a call from someone in the Collection Dept named I think XXXX who was following up on my complaint with the XXXX. He informed me that my account is closed permanently. He was going to see what he could do and get back to me. Today being the XXXX of XXXX XXXX I tried calling various numbers till I finally reached someone named XXXX not sure of spelling. XXXX listen and forward me to XXXX who forward me to XXXX. Keep in mind that every person I spoke to I had to retell my story even though I asked the to inform the people that they were forwarding me to so I would not have to repeat myself. So now XXXX was un-ware of why I was calling and again I told my story again. Now XXXX basically tells me that there is nothing they can do. It would have to go to the Credit Department for approval and dip into my credit again! At this point I decided to forget it, it just is not worth dealing with a business who does not care about the customer who has made Bank of America who they are today. In the last 6 months I charged and paid off in full well over {$10000.00} and I am or was a great customer. These guys just do n't care. Too Big to Fail sound familiar ... XXXX or is it Too Big and do n't Care. 


Concluding : Paid off the account early and am no longer interested in doing business with Bank of America or any affiliates under their umbrella.
Key Bank They love to charge overdraft fees. 
They charge me to they should not have charged. I called in and they did not credit me for them. They are very dishonest bank.
My home is currently under a foreclosure process, but I have been taken advantage and been treated unfairly as I have been assessed unfair fees, and was a homeowner subject to both unfair debt collection practices and predatory lending practices of my original lender HSBC ( Appendix B ). My state of Illinois and XXXX County attorney general filed former suits against HSBC, and subsequently they have quietly attempted to transfer ownership and obligation to another entity - XXXX. 
Without my knowledge or consent, my home was transferred to a private entity, XXXX XXXX XXXX XXXX, from a private sale for homes under distress. My servicer is now owned by XXXX, a global private equity fund, and is owned by a XXXX named XXXX. 
So XXXX has bought my mortgage in bulk auctioned deal, at a substantial discounted rate and has even been paid a big chunk of money that came out of my mortgage insurance. By not discounting the principal of my loan, the rich investors behind the XXXX make a windfall off of me. In addition, HSBC has continued the lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed. 
This can be confirmed and are on record from XXXX 's financial records website ( See Appendix D ). This entity has even represented themselves as being with XXXX as Trust for XXXX, however my lender and servicer are still listed as HSBC and XXXX respectively. I am advised that under XXXX, my mortgage could be considered a non-negotiable instrument. 
This practice is very unfair - how is it allowed that the private equity bigwigs get to buy my loans at a subsidy ( HUD ), but as a homeowner with a home under water, I do n't get a subsidy when trying to save my own home. They are profiting off of my distress. 
I have tried to work my old and new lender/servicer over the last year plus, but have not gotten any resolve or assistance. I have worked with my servicer and lender directly, HUD, XXXX County Foreclosure Mediation ( Honorable Judge XXXX XXXX ), and private consultation with an attorney. I was consequently advised to contact my local Congressman, National Association of Consumer Advocates, and Consumer Financial Protection Bureau on this matter. 
I am a previously unemployed, divorced father with XXXX children XXXX XXXX old, XXXX in college, XXXX, and XXXX elderly parent ( Mom, XXXX ) who I support and live in the home. My last few correspondences have only resulted in me being told to do a short sale or deed in lieu - transactions that would only benefit the lender/servicer. I was recently even told that a modification would not be considered due to the status of the loan and the fact that it 's severely under water.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX
I received a XXXX from the Barclay Bank located in XXXX, Delaware in XXXX of this year. Between the months of XXXX and XXXX, these are my actual charges I made on this XXXX account : {$500.00}, {$100.00}, {$470.00}, {$620.00}, {$480.00}, and {$48.00} ( total of my charges {$2200.00} ). My total line of XXXX was {$2500.00} ( {$2500.00} minus {$2200.00} = {$260.00} ). The available balance on this account is only {$260.00}. Then, I received a letter in XXXX that my line of credit has been reduced by {$800.00}, and my new line of credit is now {$1700.00}, with around {$300.00} available credit left. I did not add any fees or interest with my charges, because any fool just made up fees and interest that were not right. When I asked how they got the fees and interest, I never got a straight answer. None of the statements will be accurate, new fees and interest are just put on the account each month. I make payments each month on this account, on time and with no late payments.
My loan was originally taken out through XXXX XXXX XXXX XXXX. Without notifying me, they then transferred the loan to XXXX XXXX. XXXX then told me I had to contact a different servicer, ECSI. ECSI now has two of my loans and every single time I call to speak with them they confuse what loan I am calling to speak about, which is a hindrance but I can deal with it. My main complaint is that when talking with a representative from ECSI in XXXX to discuss taking my loan off of automatic repayment, they told me that I had a " grace period '' from the XXXX of the month until the XXXX to pay. What they did not tell me was that my interest rate would go up, increasing the amount I have to pay every month, and that additionally I would be accruing interest every day that the loan goes unpaid. I have been facing payments more than I paid before, and they now include interest charges on top of that. Every representative I have spoken to since has said that the information I was given was wrong, but they will not do anything to take off the interest charges. Additionally, my billing statement has a lower amount due than what I am told to pay when I log in. I am attaching documentation of what I was told to pay, and receipt of my payment for that amount rather than the higher one. " Included with the documentation is a chat log from today, XXXX XXXX, 2016, when I was told that my interest rate was raised. I never received correspondence about this. It is supposed to be a fixed interest rate, and I am assuming it was raised when I turned off recurring payments but apparently there is no way to get it back down now that it is with a different servicer. I was told during a chat with a representative that " some credit unions give discounts if you are on reoccurring payments but theres no way i can tell you if your credit union lendkey had you consolidate with is one of those '' ( XXXX ). I am extremely tired of not knowing what happened with my loan, my interest rates going up, my monthly payments changing, and being told misinformation that costs me money.
Im writing to you today hoping you can stop the bank from taking my house. My troubles started back in 2009, when everything seemed to fall apart for me. My husband and I started divorce proceedings. Things wouldnt have gotten so far out of hand if I had received the payments that were awarded to me once the divorce was finalized. It took another four years, and his arrest to get this resolved. 

During this stressful time, I was battling medical issues of my own that made it impossible to work. As I recovered and started seeing income again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I had tried my best to keep up. When I did have money to give to the bank, they refused it, saying I needed to pay everything right then. When I said I couldnt pay that much money at once, Seterus said they would had an assistance program. I was provided a list of documents to submit, which I did. This is where things went really bad. My paperwork was lost, misplaced, etc. multiple times. I would talk to a different person every time I called in, and they would always offer to send me information Id never get. My application is sitting at Seterus Bank, and my mortgage is getting further and further behind.
An account was open fraudulently with XXXX as the original creditor who than sold the account to Monterey financial services a collection agency. I have contacted them many times and informed them of the fraud. The major credit reporting agencies have agreed to remove the account. The account still remains as a negative trade line on my XXXX credit file. This needs to be corrected as Ive received correspondence that they will remove the account and still havent!
I have a unauthorized and fraudulent inquiry from XXXX XXXX XXXX listed on my Experian credit report. I did not make the inquiry. The inquiry is unauthorized and fraudulent.