WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card with Capital One. They made me a balance transfer offer, 0 % for 18 months. On Tuesday, XXXX/XXXX/16, via their website, I requested a check to be mailed to me rather than enter the information for the account ( elsewhere ) I want to pay off. 

This morning, XXXX, I received an email saying that my loan had been approved and posted to my account. I logged into my account, and saw that indeed my balance had increased by the amount requested. 

But, I have not yet received or deposited the check. It seemed to me that the loan should not be in effect until I deposit the check. Until then, nothing has really happened. 

I contacted CapOne through online chat to try to get them to reverse the charge ( and the clock starting on the intro rate ) until I deposited the check. Their policy turns out to be even worse than I thought. They told me that it can take up to two weeks for the check to be sent out, but that, indeed the balance posts and the clock starts from the day the loan is approved. 

Think about it this way. When I bought my apartment, I applied for a loan. My loan was approved. But my loan was not in effect until the closing, when funds were actually dispersed to the buyer. 

In this case, they are calling it a loan and have started the clock when the check has n't even left their building, let alone disbursed any funds! 

This ca n't possibly be right. Please make them address this abusive policy for all balance transfer customers.
This is on my HELOC dated XX/XX/XXXX, When mortgage crisis hit we had to refi, our first, ( this was before programs were available ) Husband lost his job in XX/XX/XXXX, did receive help from Keep Your California. My husband then became ill in XX/XX/XXXX, with XXXX XXXX. Applied for modification with Ocwen ( org. loan done by XXXX XXXX of the companies that was bailout by taxpayer money ) XX/XX/XXXX Ocwen granted modification on the first extended terms to 40 yrs but said could afford the HELOC as it was interest only at the time, pmt XXXX a month. House was upside down at this point. Tried again in XX/XX/XXXX for help with a modification On The HELOC after my husband died, claiming loss of income and hardship, was denied, said could afford pmt, house still upside down. In XX/XX/XXXX tried again after I was told in may of XX/XX/XXXX my pmt would be principal and interest, letter came in XX/XX/XXXX. I called to ask what the pmt would, and i was told I would get that info. in XX/XX/XXXX. Pmt went to XXXX a month 5 yrs to pay, submitted another modification, denied third time, now they said I had equity and to sell it. Hired an attorney to submitt another modification denied fourth time, said my house was worth XXXX I owed XXXX 1st and 2nd. Had an apprasial done came back at XXXX, dismissed the apprasial and they said it ; s worth XXXX said to sell it. Attorney said they are playing hardball. At this point I am going through my savings to pay the HELOC, getting close to not being able to afford the pmt so I reached out to Ocwen. I have tried to refi, don't make enough money because of hardship, I do not qualify for Harp because of there guidelines, and HUD counselors haven't been able to help. Thank You for your time
I applied for and received a reverse mortgage from American Advisors Group in early 2016. My application was handled through XXXX I received the attached Good Faith Estimate around XXXX which shows an up front payment of {$4400.00} MIP ( mortgage insurance premium ) to be taken off the top of my loan to secure the property against devaluation which was supposed to be covered by the government. I was told my agent XXXX XXXX that this was required as a one time only fee against loss. Yet, on every current statement that I receive from XXXX I am being charged ad additional {$92.00} plus every month for MIP ( mortgage insurance premium. I think that it is extremely deceptive to label MIP in the initial disclosure and then add an additional MIP to the existing mortgage. The use of the same abbreviation MIP for XXXX charges is misleading and not disclosed properly to the consumer. I attended XXXX one hour required counseling sessions on Reverse Mortgages and the XXXX ongoing MIP was never detailed. These abbreviations are misleading. I am attaching the original Good Faith Estimate and my current bill as documentation.
On or about XX/XX/2016 my wife went into Chase Branch at XXXX XXXX XXXX in XXXX NY. ( this being the same branch both myself and my wife bank with ). 
She was looking to open a new credit card utilizing her sole name and credit. After completing the application and being approved for the card she was " convinced '' to have her husband ( Myself ) as an " Authorized user '' on this account to " gain more points ''. My wife specifically asked to Chase at that time, that this would have no impact or be reported against myself ( her husbands credit ). About 20 days later I was informed by my own credit monitoring company that an account by Chase has been opened AND reported against MY credit showing a balance etc. - I asked my wife about this and she was adamant that the person who took her application at Chase clearly stated that this new card account with Chase in no way would have any affect or be reported to any credit agency against her spouse ( Myself ). 
My wife reached out to the individual at Chase that took her application, who was totally Un-Aware and informed her this would not be reported against any authorized users credit. After speaking to the Branch Manager ( XXXX XXXX ) on XX/XX/XXXX he informed me that he was well aware of this going against the authorized users credit, and WAS written on the form in the small print that my wife had signed and agreed to. His only answer was to close the account against my name and told me it would " Probably '' come off my credit report. - When I asked for a letter simply stating that this account was opened and reported against my own credit without MY authorization he responded with " I can not write a letter ". 
This Branch and the managers at CHASE need to be held accountable and stopped, for opening probably thousands of accounts and having a direct impact on an individuals " Authorized users '' credit without their knowledge of an account even existing. We all know how precious and important it is these days in this credit environment and for Chase to blatantly lie to customers is simply not acceptable. - I am still trying to get a letter from Chase to get this removed entirely from my own credit. The officers at Chase taking such applications who supposedly " Know their Customers '' should have a fiduciary responsibility to their customers to read verbatim the part in the application that discusses who the opening of this account will affect credit wise, be it the main card holder or any authorized user they want to add.
Hello, The following complaint is directly related to complaint XXXX. My name is XXXX XXXX and I have been receiving phone calls from credit agencies regarding the servicing of another persons debt that I am not responsible for. I do not know the person with said debt ; I simply have the misfortune of changing phone numbers and now I received numerous debt servicing phone calls. I tried to ignore them as the last complaint I submitted did not stop other credit agencies from contacting me ; only the entity that I had filed a complaint for previously. Today, I am filing a complaint regarding the recent attempt to contact me for the debt of another person. The organization is XXXX XXXX XXXX. The representative was named " XXXX '' and he said that his organizations phone number is XXXX. He refused to provide a physical address for the organization, and referred me to his organizations website. To the best of my knowledge, I have no debt of any kind. The representative clearly stated that they were calling regarding the debt of a person named XXXX XXXX ( spelling could be incorrect ). The last complaint that I filed was in regards to debts owed by the same individual. As the debt was not mine, I could not see myself asking for the correct spelling of this persons name. This is only my second complaint regarding the phone calls that I keep receiving for this other persons debt, but there have been many others. As my last complaint did not stop the phone calls, I thought that I would simply have to wait until these organizations give up on this persons debt servicing ( via my phone number ), but they do not appear to be doing so. I humbly ask that you please look into this matter. 
*If at all possible, please inform me of any remedy that I can pursue that can end the bombardment of phone calls that I received ( from multiple organizations ) to service this " other '' persons debt ( s ). * Sincerely, XXXX XXXX. 
XXXX, AZ
On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX ( XXXX acquired the mortgage from XXXX ). 

OnXX/XX/XXXX, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the  misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.
XXXX XXXX XXXX claims I owe XXXX XXXXXXXX XXXX XXXX {$1800.00} from XX/XX/XXXX. I have NEVER had such account. I sent papers asking them to verify. They did not. They filed a civil case against me ( XXXX ) XX/XX/XXXX. I again answered that asking for verification. They sent only my name and address back. Had a bench trial XX/XX/XXXX - XXXX - XXXX county court house - Judge XXXX - Judge asked lawyer ( Atty XXXX ) for XXXX XXXX XXXX to verify. They could NOT. CASE WAS DISMISSED. I have, on numerous times, contacted XXXX XXXX XXXX - C/O Resurgent capital services - XXXX XXXX XXXX - XXXX, SC XXXX - ( XXXX ) XXXX, asking them to REMOVE the collection from my credit report. I have contacted XXXX and XXXX also several times and disputed the collection. I CAN NOT GET IT REMOVED FROM MY CREDIT REPORT. This is not my account and I should not have it on my credit report.
I submitted a complaint against United Revenue Corporation back in XXXX over a {$330.00} debt they are claiming has not been paid, XXXX 's response was " United Revenue Corporation ( URC ) is dedicated to investigating, verifying, and validating any account that may be disputed by a consumer. In response to this complaint, URC searched our records and then contacted our client to ascertain if any payment had been received. Neither our client nor this office has received any payment whatsoever on this account. In order to refresh the consumers memory, URC obtained an itemization of this account and mailed it to the consumer at the address he provides in this complaint. A copy of the letter is attached to our response as XXXX XXXX. URC has reported the account as disputed to XXXX but we confirm that the account and our report have been investigated and both are completely accurate. If XXXX XXXX can locate any information that would shed light on his assertion that the account has been paid, URC will reinvestigate. '' After reviewing this further ; I prefer to not have to wait until XX/XX/XXXX for this to fall off my credit when this is something that has been taken care of ; I unfortunately do not keep phone records from years ago ; and have no was of proving that this has been taken care of ; After diligent research Multiple experiences have occurred where this company has not been fully transparent and I simply want to resolve this claim, After seeing the " F '' rating on BBB ; and reading multiple accounts of people who 've had issues ; I simply am attempting to resolve this ; and am requesting that this company closes the account ; and removes this from my credit report as it should n't have ever been on my credit report to begin with. 

Please consider my request ; I really do not want to have to wait until XX/XX/XXXX for this ; but I will not pay for something twice. United Revenue Corporation should have never been sold this debt ; and have also been placed in an unfair position, However I still request that you assist me in resolving this and remove it from all credit agencies.
On XX/XX/XXXX, I reported to USAA bank that my card was lost, on the same day that it was lost. I was told that my account was closed and they and they were going to refund me the {$200.00} that was in my account in the next 30 days. When I called on XX/XX/XXXX they told me the account was still open. We got conflicting stories from various USAA customer service people. On XX/XX/XXXX they told me the check from XXXX XXXX from XXXX XXXX XXXX, XXXX 2011 for {$6300.00} was deposited into the account. I told them that " this was not my money, do not cash that check. '' I tried to log into my mobile app and is said " For security reasons my account is temporarily closed. '' On the next day I was told a check for {$1000.00} had been withdrawn. I asked them why did you permit this withdrawal when there was only {$200.00}. in the account. I was told " It is because you have such great credit. '' On XXXX XXXX I spoke with a manager at USAA and they said " I was responsible for any deposit that were made. '' I then received a letter in the mail that showed it has a signature which is printed, and contains information inconsistent with all previous deposits I have made. I have asked if they have investigated the situation, and looked into the person who deposited the check, and the money that was withdrawn in Ohio ( even though I live in XXXX ). The bank has told me there has been an investigation but refused to share any information. The bank repeatedly insists I am responsible for this money, even though I did all of my due diligence, informing the bank that the card was missing, that the deposit was fraudulent and should not be cashed. I was treated disrespectfully throughout, and was spoken to in a rude manner every time.
Hello, On XX/XX/2018, I received a text message from Chase Card Services concerning a charge to my account for {$6400.00} at XXXX XXXX XXXX. I responded that this was not my charge, and then Chase called me. During the phone call, I informed Chase that I was disputing the charge because I had not made it. Chase informed me that they would investigate and they would issue me a new card. 

On XX/XX/2018, Chase informed me that they were assigning me responsibility for the purchase because the item purchased was shipped to my home address. I informed Chase that I was still disputing the charge, as I had not made the purchase and I had not received the item. 

I spoke with XXXX XXXX XXXX and they informed me that the item was ordered via phone on XX/XX/2018 at XXXX XXXX and that it was shipped via XXXX. I spoke with XXXX who informed me that XXXX picked up the order from XXXX XXXX XXXX on XX/XX/2018 around XXXX XXXX - meaning that the item was sent out nearly 24 hours after I had already informed Chase that I was disputing the charge and that it was not my purchase. They informed me that the item was delivered to my apartment building on XX/XX/2018. 

I later followed up with Chase and provided them with my phone records on the date of the purchase, including some of my geolocation data, confirming that I had not called XXXX XXXX XXXX on XX/XX/2018 and that I was not at home when the item was delivered on XX/XX/2018. I was at work when the item was delivered, and whoever ordered the item had requested " No signature required. '' I never received this item and never received any benefit from it. 

I filed a police report with the XXXX on XX/XX/2018, police report number XXXX with the XXXX precinct. 

I also sent a letter to Chase on XX/XX/2018 concerning this dispute. 

On XX/XX/2018, Chase sent me a letter stating that they confirmed the " transactions are valid. '' This dispute process is completely unsatisfactory. I informed Chase immediately that I had not made this purchase, and they did not take any steps to insure that this item was not shipped. They had nearly 24 hours to prevent the shipping of this item, it was their inaction which led to whoever fraudulently purchased this item actually securing the item. 

I will continue to dispute this charge with Chase, I kindly request your assistance in this matter.
There were unauthorized transactions on my Wells Fargo debit card from approx. XXXX XXXX through XXXX XXXX. The loss prevention department has issued a provisional credit for a portion of the charges. They issued only partial credit because at the time, some of the fraudulent transactions were pending. I am expecting another credit for approximately {$50.00}. Wells can not give me a timeframe as to when this credit will be posted to my account. In part due to Wells Fargo 's misfeasance, I am now homeless. I do not expect the bank to provide housing, but I would like a clear and definitive answer as to how long it will take to receive the money. Thank you.
Several times in the course of the last year, I have made large lump sum payments to my student loans ( Federal ) which are serviced by NelNet. On the subject line of these checks, I write my account number, and the instruction to " Apply to Loan Group with Highest APR!! '' Despite these clear instructions, NelNet repeatedly applies my payments to the loan group with the LOWEST rate, a fixed rate of under 4 %. I don't care to pay down this aggressively, I'm trying to knock out the 6 % APR debt that is growing too fast. 

NelNet errors in their own favor over and over again. Most recently with a lump sum of {$3000.00} sent in the month of XX/XX/2018. I have just emailed them to have it adjusted, and I'm sure they will comply ( as they have in the past ). But it's criminal that the onus is on me, the borrower, to make sure my payments are applied fairly. NELNET IS RIPPING OFF STUDENTS.
I do not recall paying my XXXX XXXX XXXX XXXX 30 day late. This account was first serviced by XXXX XXXX and mortgage was sold to XXXX XXXX XXXX. I have no past due mortgage and I always pay on time. I need that 30 day late removed from three reporting credit bureaus XXXX, XXXX and XXXX. This has caused lot emotional stress. Please assist with this 30 day late removal.
XXXX XXXX XXXX : Reporting that I opened an account with them on XX/XX/XXXX but the last active was XX/XX/XXXX. I neither opened account or have an account open with them this account was closed placed in bankruptcy and discharged in XXXX. The reporting is wrong because its backwards. It was XXXX XXXX XXXX during that time and if it's not that account then it will be fraud I never opened an account in XXXX nor XXXX with anyone for the amount of {$870.00}. If its fraud it will have my signature and I would like to see what they say I recently opened. There is supporting documentation.
I have been charged a Late Fee on two occasions. In both instances, the payment was made and check deposited by Capital prior to due date. The company has reversed the charges claiming it was a Computer error.
XXXX mishandled my information which has led to an informational breach that puts myself and millions of others at potential risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Spoke to XXXX XXXX after making an inquiry on XXXX XXXX. Told them I did not want to go forward with an application and I don't consent a hard pull. They have this recorded and they confirmed it. 

They pulled my Experian Credit Report. 

I contacted them to correct and they said they didn't know how. I contacted Experian, but you can't dispute an inquiry online. I called, but their phone tree isn't working. Tried several times with several different phones. It makes you say or input your SSN, but doesn't recognize it when you input it.
This company continues to Report a " medical bill '' to the bureaus after they have been provided the police report and all documentation several times. They are dogmatic and threatening.
I 've tried to get my annual credit report from Experian. They say the answers I gave to their security questions are wrong ... ..MY ANSWERS ARE CORRECT!!!!! Their information is incorrect!!! I 've tried to reach them by phone which just redirects me to their website ... ..worthless!!! I tried to write them a message via their website to let them know what was going on and I got an error message there too!!! I want someone to straighten this mess out so that I can have the annual credit report I 'm entitled to by law!
For approximately eight months I have had an automatic payment plan with NAVIENT. This plan was established to bring my account current, ensure all monthly payments were on time, and to avoid further late fees or penalties.

However, after the agreement had been made I started receiving repeated calls and emails from NAVIENT stating that I had missed payments and that late fees would be applied to my account and that it would ultimately affect my credit. 

I was told to contact XXXX XXXX which I did. I explained that the late fees and missed payments made no sense. Records clearly showed that we " agreed '' to {$100.00} payments to be deducted twice per month for a total of {$200.00}. No payments had been missed and my payment history on NAVIENT 's website clearly showed everything was current. 

NAVIENT researched the matter and said that I had repeatedly missed a {$6.00} payment which was caused by a change in interest rates. I reapetedly asked why this wasn't addressed eight months ago when we entered the repayment agreement? There absolutely no answers to the question, and it clearly did not matter to them that my credit was being impacted by a questionable and arbitrary {$6.00} fee. 

So, to address the matter I had to enter into another repayment " agreement '' for the {$6.00} which was to be automatically deducted each month. I was told that this would eliminate any additional fees and that my account would be current. 

The last {$6.00} payment was deducted on XX/XX/2018, and my initial payment of {$100.00} was deducted on XX/XX/2018. So, according to NAVIENT, I will now pay {$100.00} twice per month even after we both agreed to {$100.00} twice per month eight months earlier. 

Now, on XX/XX/2018 I am receiving phone calls and emails from XXXX XXXX saying that my account needs attention again and that I have been repeatedly missing a payment. The amount missed now is {$10.00}. Without any explanation for the new amount owed, it has already negatively impacted my credit. 

I simply do not understand how I could have entered into an automatic payment plan / " agreement '' designed to prevent late payments, fees, and negative credit impacts, and yet NAVIENT keeps changing the rules and applying charges and fees with absolutely no explanation whatsoever.