WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a Capital One Credit card and was approved for a credit limit of {$15000.00}. Since that time, i have used the card here and there. Lately, i have been in the process of looking and buying my first home. I was instructed not to use my cards, or use them as little as possible. While in the middle of getting approved for loans on my home, it was brought to my attention that my credit had dropped because of Capital one ( without notice or contact or acknowledgment from me ) decided to lower my spending limit from $ XXXX down to $ XXXX DUE TO NOT USING IT ENOUGH!!!!! This is absolutely unacceptable. I paid my balances on time, and have never been late with the company. Now because you woke up one day and decided to mess with my credit, my home loan was changed around and had to be restructured and much more costly due to my credit rating decrease that was caused by Capital one. Upon my calling of customer service, i was rudely told it was my fault and there would be nothing Capital one will do because it is in my fine print that Capital One can do whatever they want to my account. The rep was completely unhelpful and made the situation even worse. Also refused to allow me to speak to ANYONE above him. That he was the final decision maker in this matter and there was nothing he or capital one would do to help at this time.
On XX/XX/2019, I deposited a check into my checking account with US Bank. The check came from an " agent '' with XXXX. The " agent '', stated to deposit the check so then we could pay the photographer, stylist, etc. The " agent '' requested a payment of {$500.00} but I was only able to send {$200.00}, since that was the only available funds made by my bank. The next day, XX/XX/2019, the " agent '' requested {$1200.00} to the stylist. I sent both transactions using XXXX with US Bank. I just received a call from the Fraud Dept. with my bank telling me the check I deposited on Friday was fake. Since the check is fake, the check will be returned. And since the money is not valid, I would be responsible for covering the funds I transferred. That does not sit well with me because I legitimately thought the check was real and the " agent '' was pressuring us to pay the photographer. I contacted XXXX and they have zero fraud protection for their consumers. I requested to file a claim with US Bank but I was told I'm liable even though the check was fake. I am not sure what to do at this point. 

Any help is appreciated. 

Thank you, XXXX XXXX
I opened a XXXX dollar secured credit card with Wells Fargo in XX/XX/2016. In XX/XX/2016 my balance was XXXX  I called Wells Fargo and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.
Capital One sent us checks to be used at 0 % interest for twelve months. NEVER did they say a 3 % fee would be added on to the amount for the written check. I used a check in the amount of $ XXXX and they charged me 3 % of that check upfront. It never indicated a fee and yet Capital One said it was in the fine print. Capital One is a thief and we shall see what you are going to do about it.
Government benefits were taken and deposited into a bank account using my hiding government benefits and/or spouse benefits. Also using my Social Security number last digits to take advantage of my trust under a unknown minor. Deceptive trade practices, fraud alert, and Capital Offense making a financial gain on unauthorized asset management. The system is flawed an oversight. I have the right to seek damages from BBVA Compass CA
Accounts that are not mine appear on my report. I was asked to file a police report and contact creditors. I did. Other agencies except Equifax have fixed the error. I just filed a lawsuit after exhausting all avenues via the FCRA.
I tried pulling my credit report to refinance the balance of my vehicle loan wit h BMW financial services. I come to find out that BMW repor ted me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the  XXXX  and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.
They 've called a few times to explain my options for repaying student loans within the same week. I 've explained my work schedule and that I 'm in the habit of doing research on companies I 've never dealt with before paying them any sum. Agreed to call them back Wednesday afternoon ( after work ). The follow up was to contact me at work to further push the issue while I was at work on Wednesday.
I HAVE TRIED TO FIX THE FRAUDULENT PERSONAL INFO ON MY CREDIT REPORT BUT EXPERIAN WONT ANSWER.
I need a coy of my report because there are addresses and information that is not correct on my credit report. My name is XXXX XXXX XXXX. Please remove any other variations of my name. I had issues of my personal information being compromised.My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove the following address they are not mines. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX
My load was sold to Navient from XXXX XXXX, who I was providing payments too up until I was laid off. I explained repeatedly that I was laid off to those that CONTINUOUSLY called and stated the same situation over and over agin. I was laid off, and could not provide any payments. They had no solution in regards to the situation and I had exhausted for deferment that they offered. I was laid off for close to 24 months. Needless to say, I did regain full time employment. Unfortunately my loan had defaulted. 

I spoke with the same manager, who then stated I had to pay everything in full or face a legal situation. Clearly I could not pay the full loan as I was unemployed for 24 months and could n't pay them, I did n't have THOUSANDS of dollars hanging around to pay them to immediately provide over with this forceful call. He then stated, call family and friends and see if you can borrow a lot of money. 

I did FINALLY reach an agreement with them XX/XX/2016, paid a sum to get my account into current standing and set up a " loan re-payment plan '' through the same company. Needless to say, I did n't receive any documentation on the matter after calling REPEATEDLY to the same manager, and they stated ( after he finally got his manager involved ) that I would not receive anything until the 3rd installment was paid of the monthly amount that was agreed upon. 

Imagine my shock when I was under the impression that I had worked out a payment plan with them to correct the loan, and they hit my credit SIGNIFICANTLY in XXXX 2016, 1.5 months after I paid the sum to get the account in current standing along with a monthly installment. When I called and asked why they where hitting me from " both sides '' ( credit negatively/payments monthly ), they stated they could and that one department does n't have anything to do with the other even though it 's the same company. 

I then called and spoke to the manager who could not provide actual documentation on said verbal agreement, that in other words, even though you are paying us back and set up an agreement plan, we are still going to negatively impact your finances for years to come. They claim they are " trying to help me '' however, I have yet to see them " help me ''. They will continue to negatively impact my credit significantly until I have thousands of dollars to provide to them according to the manager that I spoke too.
My son has control of my library card and had used it. He hid the late notices from me. When I found out Through XXXX that I had owed {$96.00} I was XXXX. I told to pay the debt. So he went to the XXXX XXXX Library to pay it. The XXXX XXXX Library should have it on their books as paid in full.
The debt collection agency, CMRE Financial Control is attempting to collect on a medical debt in the amount of {$330.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State and has made several attempts to contact me after i have asked them to please stop. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.
I have been having some problems with payment issues with the company. I requested a ledger a week ago to verify where the payments have been going. I did not receive one. After a week I called back to ask where the ledger was. I was then able to get one emailed to me finally. Without giving me time to properly go through my finances for the previous year and getting back to them, they decided to threaten me to get the info I needed by XXXX tonight even though I told them that my Fiance does not get home until after XXXX and we still need to go through the information.
Portfolio recovery associates, LLC send me a credit card bill which I do not know about. I have never had a credit card before, They threatening to sue me and seize my property. They put the bill on my credit report, and it is affecting my credit. There is a class action Lawsuit against portfolio recovery in North Carolina for treating thousand of people this was.The case is named Portfolio Recovery Associates, llc v. XXXX, and is case No. XXXX, pending in the Superior Court of XXXX county, XXXX, North Carolina. I have ask them to remove it from the three credit bureau but the refused.
XXXX XXXX XXXX XXXX license expired over a decade ago an there trying to collect a debt from me
I have a Chase XXXX XXXX card that I obtained for the travel benefits, which include redemption of points at XXXX % if redeemed using the Chase travel website. I have been attempting to book travel on the Chase travel site since at least XX/XX/2019 but am unable to redeem my points. 
After many calls to Chase over weeks, I learned that Chase has been aware, since at least early XX/XX/2019, of a technical problem that prevents at least some reserve card holders from redeeming points on the travel website. 
I have made many attempts to resolve this issue with Chase. I have been told that the only option available is to book travel elsewhere and request a statement credit ( essentially cash back ) from Chase which will be a dollar for dollar credit. Chase will not honor the XXXX % contractually offered redemption value for travel, though i have made this request on several occasions. 
Chase can not, or will not, provide an ETA as to when this matter will be resolved.
Received XXXX emails from AmeriSave Mortgage Corporation thanking me for financing a home loan with them. I do not have a home loan with AmeriSave or any other institution. I am concerned that this may be a fraudulent attack on my credit rating or an attempt at identity theft.
This is for both Federal and non-federal. I 'm writing to see how I can be included in the current Navient lawsuit. In 2014 I know I also made a complaint. Navient has : applied my payments wrong, refused an IBR payment plan and has refused to take a cosigner off, as well, as harassment. I have notes from 2014. This is has cause me a lot of money and XXXX.
Year XXXX, I activated a credit card through American Eagle with a co-signer, my ex fianc, because I had no credit at the time. I was on time for years paying my monthly payments. My total amount due always lingered around {$2000.00} no matter what I paid due to the fact the interest rate was so high it seemed as though I could never get it paid off. I cancelled my credit card maybe a year after obtaining it. I was still just making payments monthly or as I could. I was in a domestically violent relationship with my co-signer who I was living with at the time of activation of this card until I moved out at the beginning of XXXX. I purchased my own car right before moving out, having to do this behind his back so I could get out of this abusive relationship. Once I moved into my house that I rent, in XXXX XXXX, I was now responsible for a car payment, house rent, cell phone, lights, gas, groceries ; things I was not having to purchase before because he controlled every aspect of my life against my will. He made statements that he would pay this credit card off, at the time he had his XXXX for 15 years and was very successful, I was a struggling college student trying to get into XXXX and working at $ XXXX. It became impossible for me to be able to keep up with the payments and intrest rate of 26 %. I was accepted into the XXXX in the XX/XX/XXXX. I had to get student loans, I was not eligible for financial aid, I was going throught emotional stress, my hours at work had been cut in half. it is impossible to pay off this debt especially when someone else was the main user of this credit card besides myself.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.
On XX/XX/XXXX, I attempted to change my Auto Pay settings so that my bank account would debit more than the minimum payment amount. Navient 's FAQ indicated that to make changes to Auto Pay, I would need to cancel and re-enroll. After unenrolling, my interest rates were increased by 0.25 %. I attempted to re-enroll my bank, but my bank information was erased and I was not allowed to make automatic payments beyond the minimum. I attempted to enroll in Auto Pay again on XX/XX/XXXX, and I was informed it would take about 3 business days to re-enroll. On XX/XX/XXXX, my account still does not have Auto Pay enrolled, so I reached out to Navient by email. In response, they said that they can't make adjustment since it is within 14 days of XX/XX/XXXX ( my payment due date ), which it is not. I attempted to re-enroll on XX/XX/XXXX again. I have not received any correspondence on getting my bank re-enrolled in Auto Pay and in the interim, Navient has increased my interest rate unfairly.
Good Evening! 
I took out a payday loan with Americash Loans about 4 years ago. The loan was for {$500.00}! Now my wages are being garnished for {$3000.00}!! This is insane and not heard of. I had 2 other loans that I fell behind on and they stopped the interest and let me pay. I am just disgusted and cant believe they are able to do this! Please help!!!
On my letter dated XXXX XXXX, XXXX, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy XXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XXXX XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.
1. ) This company is not licensed to collect in my state ( NC ) 2. ) they never reached out to me regarding this debt so i was not given a fair chance to contest the validity of the debt before they reported this to my credit report.
Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX  on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XX/XX/XXXXhas failed to want to take this off of my report and says it should appear as two accounts and says that it's XX/XX/XXXX's fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter
On XX/XX/XXXX I received a letter from JP Morgan Chase that they had cancelled the Lender-forced Flood Insurance coverage policy on my home effective XX/XX/XXXX, and refunded my account for the annual premium. However, on XX/XX/XXXX and again on XX/XX/XXXX CHASE assessed my Loan account a fee assessment in the amount of {$48.00}. I have spent more than XXXX hours on hold, being hung up on, emailing, and faxing CHASE trying to find out why they keep assessing this fee amount on my account. I even got a ticket number from their CSR XXXX on XX/XX/XXXX who advised the amount would be removed in XXXX. When they collected the amount from my CHASE checking account on XX/XX/XXXX, I called CHASE and spoke with the Manager XXXX XXXX who was going to investigate and call me back by XXXX on XX/XX/XXXX. When I did not receive a call back from CHASE, I called him and was told by CSR XXXX he left for the day. But she would set up a conference call with the CHASE insurance department because she found no records of them cancelling the lender-forced policy. After waiting on hold for nearly XXXX hours, she said she would try again the next day. After going round and round with XXXX, XXXX and XXXX, I liquidated my CHASE savings account and paid off the principal loan balance of {$19000.00} on XX/XX/XXXX before XXXX EDT, then I called their Home Loan CSR and asked for the account to be closed and that they accept that amount of {$19000.00} as full and final satisfaction of the loan. The CSR insisted I stilled owed for the fee assessment and interest from XXXX to XX/XX/XXXX so CHASE removed {$19000.00} from my CHASE Checking account and then posted on my loan that I stilled owed them an additional {$100.00}.
Experian continues to report negative fraudulent accounts on my credit report that need to be removed from report number ; XXXX XXXX   XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Student loans are being reported twice. The XXXX accounts were transferred to my XXXX account. The account was consolidated ans is not being reported twice.
I have made four inquiries to Wells Fargo Home Mortgage, following proper Federal Rules of Civil Procedures to produce proof of claim/validation of debt against me and my property. However, Wells Fargo Home Mortgage has failed to provide the proof requested point for point as required by law. Notified on XXXX XXXX, XXXX, certified letter receipt number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX. 
Wells Fargo Home Mortgage has defaulted and has not been able to prove they can enforce this mortgage and can not secure it by the real property currently being used as collateral since Wells Fargo is not in possession of the original wet-ink note signed by me - the borrower and sole owner of the property and title. I have reason to believe the note was sold under " mortgage backed securities, '' to investors under a pooling interest. Wells Fargo failed to transfer the mortgage along with the note when the note was pooled and sold as a security opening a whole myriad of security violations under the Securities Act of XXXX and the Securities Exchange Act of XXXX most notably violation of Rule 10 ( b ) and 10 ( b ) ( 5 ). 
WELLS FARGO STATED THEY HAVE THE ORIGINAL ON FILE IN A LETTER DATED : XXXX XXXX, XXXX. HOWEVER, THIS IS MISREPRESENTATION!!!! THEY STATED OVER_THE_PHONE THEY DO NOT HAVE THE ORIGINAL WET-INK PROMISSORY NOTE. 
I mailed a 4th and Final Notice, NOTICE OF BANK DEFAULT, notifying them, their firm and bank and/or mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. 
As a remedy I am requesting a satisfaction of my mortgage. 
I also substituted the Trustee appointed to the morgtage dated XXXX XXXX, XXXX, & cancelled the power of attorney.
Received a letter trying to collect {$210.00} for XXXX XXXX services. Letter was sent to my address, but addressed to someone else. 
I have n't had XXXX XXXX for over 15 years, and when I contacted their customer service, they told me the account number in the letter does n't match my information.
today I received and email solicitation for mortgage from Davis and Amaral that included rate offerings and NO APR. Loan Originator # XXXX  Davis and Amaral # XXXX also the flyer did not include any information around Equal Housing disclosures
Green Tree mortage open escrow account against our wishes saying we did n't pay some property taxes and we send letter and you had to sign for it with prove that we had paid it They started taking our payment for house and putting into escrow making it look like we did't make our payments. we refinance our loan because of this with another mortage company. Green Tree loan was paid in full and look up on credit report they said we did n't make 2 payment which has hurt our credit score We wish to file a complaint.