WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One offered a settlement to my husband on an outstanding credit card balance on XXXX/XXXX/2016. Offer was accepted verbally and bank acct # given for electronic payment in full immediately. Offer was explained over phone and we were told it was being recorded - with full disclosure of terms. Rep stated offer was good until XXXX/XXXX/2016. 10 days later, called Capital One because we realized payment was never withdrawn from account. Was told payment was not accepted by our bank ( even though other credit cards were paid recently out of same account ). We were not notified of any issue with payment. Now after 1.5 hours on phone ( 3 way call with our bank, waiting on hold etc ) manager XXXX " just realizes '' the account is now going to 'charge off ' and settlement offer is withdrawn. FULL balance ( {$600.00} more ) is due. Capital One now says it is 'Too late ' to pay the settlement amount that we were willing to send by cashier 's check overnight if necessary. We had 4 more days to pay according to their 'Recorded Disclosure Statement '. The letter attached arrived AFTER all this and is dated XXXX XXXX and states DATE DUE : XXXX XXXX.??? These extortion practices are inexcusable. My husband was out of work for most of 2016 and just wanted to settle this debt and start to rebuild his credit. We obtained a loan to pay off the high interest debt. Capital One supposedly has a recorded statement verifying the due date of their agreement which they decided to break so they could extort {$600.00} more from us.
Honda Financial Services called my house. 
Number that called me : XXXX Number I was told to call : ( XXXX ) XXXX Someone by the name of XXXX called me and said to call him back as this is an urgent matter. I researched the number and there were many sites saying that this was a scam, that uses Honda financial services but has no affiliation with Honda at all. I called Honda themselves and they said they have no numbers in there system with the numbers I listed. I believe this is a company trying to scam people into collecting fake auto debt and I wanted them to be looked into.
We submitted a complaint about RoundPoint Mortgage last week about them not paying our property taxes and miscalculating our escrow despite concerns from us. 
We need to add to this complaint as more information and mistakes was discovered since then.. 
After requesting an escrow analysis, which we still havent ' formally received, they called us and started saying we would owe about {$600.00} more in monthly payments. Yes, that is correct {$600.00} more!! with no clear explanation nor written proof. 
After some digging on our end, and making math we realized they never paid any single of our PMI premium. They were not even aware of it, or at least didnt tell us and were not transparent about that. 

So now, this is what Roundpoint is trying to do : - they want 17 months worth of PMI so they can reinstate the insurance ( {$1800.00} ) - they want 2 months of escrow cushion ( {$1200.00} ) since the escrow is now to almost XXXX This is not required, even less when no further major payment will be due until XX/XX/XXXX ( hazard insurance ) and taxes XX/XX/XXXX/XX/XX/XXXX. 
- they want to cover {$700.00} of gap since $ from our XX/XX/XXXX andXX/XX/XXXX monthly escrow payment were used toward XX/XX/XXXX property taxes - and lets not forget the {$1200.00} of tax refund we are not getting in our tax return because of their mistakes. 
- also, our taxes still show as unpaid on the XXXX county website .... the money is out of the escrow, and they claimed they paid, but again I will only believe it when i see it. 

This company is a fraud. Reviews online are horrific! we talked to a lawyer today to help us on how to move forward. Apparently it is not the first time they hear from RoundPoint at all. How is a company like that still running? 

We never talk to the same person, each time, we have to re explain everything, and they have to talk to their third party team. They know nothing. 
We have mailed a letter of error for the taxes, we have emailed and sent multiple messages through their message center - we got absolutely NO written answers from them. Zero. We get phone calls from different supposedly managers. We waste time and nothing is formal or clear. They did not even know they didn't pay PMI which is a requirement of our loan to protect THEM! And now they want this money back from us? 

We will be making noise about this. 
This is all unacceptable and stressful. I am XXXX XXXX XXXX and we are a one income salary. We do not need this kind of stress right now. nobody does, but even less. We will sue if we need to and if reasonable resolutions are not made. 

We also will not longer be responding to their phone calls. We expect every further communication in written and will not make any additional payment other than what wec currently pay until this is resolved.
I have a student loan through XXXX XXXX reporting on XXXX, XXXX, and XXXX. The loans are up to date, but are reporting 4 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). During that time period, the loans were in forbearance as they were prior and after. Ive made numerous attempts to correct the issue through XXXX, XXXX, and XXXX  unsuccessfully. Those late payments report are affecting my credit tremendously.
After the market crash XXXX, we were in put into financial stress to manage rental house properties and our own personal home loan mortgage. Our attorney advised us to file for bankruptcy on the XXXX rental homes and the XXXX on our house. During this process our attorney, recommended we delay the filing as to improve our outcomes on the bankruptcy. Because we followed this advice, we unfortunately lost our XXXX rental properties ; XXXX through a foreclosure and the other XXXX through a short sell. We informed by the attorneys that we had reached the statue of limitations on our all of our loans. To verify this, we contacted Indy Mac ( XXXX XXXX ) in XXXX, they told us the XXXX was charged off on XXXX XXXX, XXXX. When we were checking our credit report in XXXX XXXX, we observed the second was back on our credit report. Immediately we made weekly calls in attempts to make a settlement and or arrangements to correct this issue. We submitted in XXXX XXXX a short sell settlement package to XXXX XXXX, We made numerous phone call on the status and always received the runaround and " someone will get back us ''. We resubmitted a loss mitigation request on XXXX/XXXX/XXXX. We finally received a letter dated XXXX/XXXX/XXXX stating XXXX XXXX received our paper work and needed more information, on which we complied with. We a received counter offer letter XXXX/XXXX/XXXX. Again, we made numerous calls and finally we were told XXXX XXXX had our account as per a collection agency, because One West wo n't accept our money. We contacted Penncro XX/XX/XXXX. We began making payments to XXXX to XXXX. On XXXX/XXXX/XXXX, we had received a notice that our last payment check had been returned to our bank. Called XXXX, but XXXX XXXX XXXX answered the phone. Found out they have had the loan since XXXX. No communication was made by XXXX XXXX XXXX. They advised us to refinance XXXX or short sell the house. Contacted XXXX XXXX to refinance, but showed they had nothing on any credit reports. During a 3 way call with One West and XXXX XXXX, One West refused to allow the call to be recorded. Called back One West, the XXXX stated we have now {$56000.00} on top of what we have left to pay. Because of this we ca n't refinance the original our first loan to pay this off. We have been told before by Indy Mac, XXXX XXXX, and XXXX that we have had no interest or fees. We feel this is a deceptive business practice at the level of fraud and theft. We have made our XXXX loan payments faithfully since XX/XX/XXXX and we are now more in the " hole '' than when we started. The position that the HELOC wo n't work with us as to take our money and continue to place us in position of losing our home and continually tacking more fees and interest to compounds the impossible situation. We feel have the finances to bundle up the XXXX and the XXXX if can get the loan ... BUT, because they have us in a rock and hard place, it prevents us from doing this.
Credit Protection Association used lies and deceit on several phone calls. Eveery agent did not recite the mini miranda. I was told by XXXX agent that thy do not accept settlements. Then i was offered XXXX. The next agent gave me a settlement figure and I told them I would raise the funds. XXXX XXXX stated that I did not respond within 24 hours and I have phone records to prove otherwise.
Company : Credit Acceptance Corporation -  XXXX  MI  XXXX  I received a notarized/registered letter, stating that we are in default on a contractual payment with them for a   XXXX    XXXX   XXXX . We are not in default,, the payment is automatically withdrawn monthly, so I called Credit Acceptance Corporation to advise them of this. They did confirm that the letter was an error, and we were not late on any payments regarding this vehicle, and never have been. The reason we got the letter was because of the state and area we live in, said the supervisor. This is discrimination at its finest, I feel that it falls under harassment and I want something done about it. As well, I asked for an apology letter so I could have that in my file, was told " they do n't do that. '' Hmmm??? They can take the time to pay someone to type a discriminate letter and notary but can not simply type an apology letter, when a mistake has been made? Not acceptable! I feel they needed to check to see where the money was coming from before sending a letter of this magnitude out. Tells me that their accounting department is not reliable, read some other customer comments, which confirms the belief.  <P/> Action taken by me : I called Credit Acceptance Corporation to discuss this notarized/registered letter. I spoke with a supervisor and he informed me that the reason I received the letter was due to the state/area I live in. Very unprofessional and discrimitive.
XXXX is continuing to report 2 accounts onto my credit file that does not belong to me. I am a victim of identity theft and the accounts are a direct result of identity theft. I have never had any obligation or any contract that binds me to owe XXXX or any company that it represents. I have never received any communication from XXXX that informs me of these accounts that would have given me my right to dispute the validity of each account. These accounts in the amount of {$1900.00} and another one in the amount of {$1200.00} DO NOT BELONG TO ME. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I reviewed my credit report and there are several items, that aren't correct. I have a inquiry from Chase Bank, datedXX/XX/XXXX This is not my inquiry, I did not apply for any account with Chase, nor did I authorize them to pull, my credit.

XXXX XXXX XXXX, has a 30 day late payment, showing on my credit file, for XX/XX/XXXX. I set up a automatic payment draft, but I was doing some other credit payments, over the phone and I decided to call XXXX XXXX XXXX  on my XXXX payment and I submitted a phone payment. I realized that I still had a auto draft payment, coming out of my account and this would cause a issue, with some addition payments, that were due, later in the month. So I called XXXX XXXX XXXX  two days later and cancel the auto payment, for the second payment, and the customer service rep. Assured me the payment was canceled and would not be processed. I am not sure if their computer system or the rep did the cancellation. But, both the payment, I made, over the phone and the auto payment, was cancelled, in error and XXXX   placed a 30 day late on my credit file. I have spoken with them, several times and they show, both payments being made, in their system. But, refuse to remove the 30 day late, because I authorized, the cancellation of one payment and they cancelled both payments, on their end of the transaction.

XXXX issued by XXXX XXXX. I have a XXXX balance and haven't used the card in sometime.My last payment, showing on the credit file isXX/XX/XXXX ( this XXXX out the account, as there wasn't any other charges, made to the account ) .I made the payment, on the XX/XX/XXXX. But, my credit report shows a late payment for the month ofXX/XX/XXXX? If I made the last payment onXX/XX/XXXXand it XXXX out the balance. How can I be late on the payment, for the month ofXX/XX/XXXX. This is a error and I would like it removed off of my credit file.
I notified the credit reporting agencies, letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one  of their stall tactics. The Collection account from "   XXXX    XXXX   XXXX  '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since  2010 . So my question is, how is a collection agency that is not licensed allowed to collect a debt. Equifax has violated my rights as a consumer, along with "  XXXX   XXXX   XXXX  ''
I noticed some accounts on my credit that are not mine. They are dropping my credit. They show me as an authorized user. I never authorized anyone to put me on their credit. I contacted the creditors and they stated that they will remove me but I have to dispute it with the Bureaus. XXXX  and Experian are just ignoring my disputes. It has been 62 days now and they refuse to remove this from my credit
My credit report shows that I have an inquiry from Capital One Auto Finance on the date of XX/XX/XXXX in which I never requested. I had just financed a car through Capital One in the month of XXXX and that inquiry shows correct but this one is false. I brought up the issue on XX/XX/XXXX was informed That I would have make a report to get it handled.
Fedloan Servicing was changing my repayment plan to an income contingent plan. During the filing process they let the loan become delinquent and reported it 60 days delinquent in XX/XX/2013.
Mortgage was transferred to Nationstar as of XXXX/XXXX/XXXX. Since then our payments are not posted in a timely manner or for the amount sent. 
for example payment cleared our bank on XXXX/XXXX/XXXX for XXXX per the payment history received from Nationstar the payment was not posted until XXXX/XXXX/XXXX and only for amount of XXXX. 
payment cleared our bank on XXXX/XXXX/XXXX for XXXX but was not posted to our account until XXXX/XXXX/XXXX and only for amount XXXX When our loan was transferred to Nationstar from XXXX we only received a good by letter from XXXX but no welcome package from Nationstar. So had to contact them to make sure the payment amount was the same as XXXX. I was told it was the same so that is what we are sending but they are only posting XXXX Have to call every month to get a payment history as they will not allow use of the website. Try to get information several times as to why it takes so long to post the money and why it is less than we sent. sent them the exact same documents attached and all they will state is they have no record of sending me the history every month and they are posting the money for what we sent. Have been unable to resolve the issue with Nationstar as they are not willing to listen or review the documents I sent to them as proof of what they sent me. Have been calling them every month since XXXX XXXX to get a payment history but they deny sending it each month.
The company involved, Equifax, allowed my information to be taken by hackers. I have two properties, with two mortgages, one for {$900000.00} and one for {$230000.00}. I also have student loans totaling {$250000.00} for my XXXX XXXX and {$40000.00} for my wife 's XXXX XXXX. Any credit issues would be absolutely disastrous for me and my family. My detailed information and my wife 's detailed information was stolen and is now available for criminals to use for their own purposes. I have started fraud alert with all three companies, but this means that my next property purchase will have to be put on hold until these issues are resolved. I had offered to buy a property yesterday, but now will not be able to do so because of the fraud alert.
On XX/XX/18 I went to withdraw my XXXX funds in order to deposit them in my BMO Harris checking account to pay my bills. I was using BMO Harris 's ATM. The ATM gave a display of " This transaction could not be completed at this mentioned '' and gave me a receipt stating that it DID give me my cash. 
I then went to BMO staff and explainedy problem. They stated that I needed to file a " charge dispute '' with XXXX XXXX, as if it was like a purchase at some store. I suggested the count the money in the ATM and see there was an excess of {$740.00}. They wouldn't do it. 
In a nutshell, I made a withdrawal at BMO Harris and did not receive my money. Now BMO Harris has my money and I don't.
On    XXXX   XXXX     2017  my bank,  Citibank  without my knowledge, placed a " fraud hold " on my account. They claimed that a check I deposited from my roomate, was made out to my last name  XXXX   XXXX . My name is    XXXX   XXXX   XXXX   .    Despite the fact that this same name had been written on the monthly checks on last few months.   To date these funds are still on hold despite numerous hours of phone calls to customer service, and the branch mangers in the  XXXX  office.   I have a copy of the paid check from my roomate so we know that  XXXX  paid the check on  XXXX   XXXX  to Citibank. On  XXXX   XXXX  my funds were to be release to me. They were still on hold. I was instructed by  XXXX  a supervisor number  XXXX  on   XXXX   XXXX   to bring a copy of this paid check to branch to clear the issues. This was the second time I had brought this copy to the bank.    XXXX   XXXX  the branch  manager had  called the fraud dept and she called to tell me that the funds would be available at midite the  XXXX .   It 's now  XXXX   XXXX  and my funds are still being held This is my household account and I have been forced to exhaust my business account at my other bank to pay for things like groceries, gas and our water bill, insurance.   Today I found out after finally speaking to the fraud dept that they released the hold on  XXXX   XXXX . They claim now that another check that was written to me for {$4000.00} was st ill n pa rtial hold. This also is an error if it is indeed true. You see the branch manager called to check that the funds had been paid on this check from  XXXX   XXXX ,    ( it w as a check from my father ) on  XXXX   XXXX  and verified the funds had been paid ans that the funds should have been completely available to me that day.
A third party debt collector, Integrated Services at phone number XXXX, has been attempting to collect a debt from an employee. They have repeatedly called the place of business even after the employee has requested they not call them at work. They are now leaving messages on the general voicemail for the company, as well as leaving messages with me ( HR ). I ( HR ) has asked them to not contact the employee at work, but refuse to listen. They are now threatening HR with arrest if I do not give the employee the messages.
I called transunion and stated to them that my student loan had been consolidated and were all one loan.Transition still refused to remove it off my credit report which is showing 6 different times.Transunion has giving me the run around and provided no help my loan is in good standing but refuse to update my information.
Once again I was out rage with Wells Fargo and them telling lies and slandering me to the CFPB in their response about case number ( XXXX ). They say they have not been able to get in touch with me when in fact I have talked to two of their representatives, XXXX XXXX I spoke with her over the phone on XXXX XXXX late morning, she had left me a voicemail on the XXXX at XXXX at XXXX, so I returned her phone call the next morning., And in fact on that very day I spoke to her twice because I forgot to tell her something and I called her back again. Then on XXXX XXXX around about XXXX or so I received a phone call from XXXX XXXX and she said she would be replacing the above person that I just spoke about. So I have been talking to their representatives all along. The representatives then said that they were told to call immediately and was giving no other information so the information that I share with them was the first that they had heard of it. The problem is with both of these ladies that called they were ready to do the modification based on the old appraisal with the incorrect square footage measurement which causes the incorrect value of the property. I explained to them that in doing this it would make the house unaffordable for me. They are still calling during the evening hours they called on XXXX XXXX at XXXX after I have asked him numerous times to call XXXX the XXXX hours when I am available. I was promised a phone call from XXXX XXXX in the XXXX I waited around as long as I could yesterday XXXX XXXX and of course she never called back. I have no problem with them needing more time, but slander and lies have to stop, I 'm not sure why this continues to happen, it is continuing to further XXXX and worry me.
See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX