WillisBack/dataset-financial-user-claim huggingface dataset:
My husband is on a solo bicycle trip In XXXX XXXX. Not wanting to take cash, he took XXXX credit card Capital One Visa. While In a very remote location, without any warning Capital One Visa deactivated both my husband 's and my cards and All transactions rejected. I am not In need of the card but my husband is stranded in a remote arena without means to pay for food or shelter. When he contacted Capital one, they connected him to the Fraud divison. They said the card was rejected and wo n't give a reason why. They requested him to send them certain identification information He did tthis. Capital One Visa response was that this was not sufficent and requested he send more information which he did not carry with him. He called me In the US & I sent the additional information. I have confirmation that they recieved it, yet they say they have not recieve it. I sent the same required Information to my husband in XXXX & he resent it. This dispite capital one Viisa Venture card is requesting personal information that was not required to even qualify for this card. Im concerned & suspicious In addition to being very upset with the non concern, rude treatment from the members of the Fraud staff. They even told me that this capital One Visa Venture card is not connected to Capital One Bank. I am afraid this is a scam and invollves the Use of giving bonus points after spending {$3000.00} dollars within 3 months. We paid them {$3900.00} within one month and they canceled the Capital One Visa Venture card at the most inoportune time possible, to avoid the bonus offer. No reason, No help, and it appears possible data mining & possible identification Fraud from the " Fraud Dept '' of Capital One Venture Visa. I reguest you please investigate this company and prevent others from this most distressing experence.
XXXX  XXXX XXXX XXXX incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau XXXX and Experian are not willing to correct the issue.
when i first open my mortgage account with XXXX XXXX mortgage who sold to amerihome mortgage. i was informed that i had to sign up for automatic withdraw. i did that and somehow between the time that i filled the paperwork out and faxed it back to amerihome and they incorrectly set up the account. i called several times as i then received pre-foreclosure and found out that my account was not paid as i requested. I spoke to a supervisor, XXXX, to catch up with the payments. the supervisor informed me that i have received incorrect form in the mail for the auto withdraw. at that point i was able to get the correct form and it is completed. She also informed me that my credit would not be affected, yet it is. Attached are the two forms that i completed,
Coinbase will not allow me access to my funds, they will not respond in any manner whatsoever. I have attempted multiple times to contact them even going as far as having a friend who has the CEO XXXX XXXX 's personal email reach out in an attempt to get access to my money. XXXX XXXX actually responded and ensured my issue would be escalated, however, noting ever transpired.
I accidentally deposited a check that I thought was my VA XXXX monthly allowance. Similar amount to my usual monthly deposit. I realized the error after the fact but the bank was closed. I had to wait until the next business day in order to fix the error. My VA monthly allowance was deposited electronically to cover the negative balance. I then requested that the account be closed due to it being compromised. They closed the account per my requested but then reported me to XXXX even tho I fixed the error the next business day. US Bank - XXXX is unethical in their banking practices and should be further investigated. I have document proof, bank statements, and receipts in order to have my name removed from XXXX.
I was called from the number XXXX and the person I spoke to informed me they were calling regarding an unpaid hospital bill from 3yrs ago. I asked for more information and the collector started yelling at me asking if I was going to pay or not. I was simply trying to understand because this bill was supposed to be taken care of by workers comp and my insurance. So I was very confused. I had not been receiving any notices or bills in the mail regarding this debt. I asked to speak to someone else because he wasnt listening or offering any additional info or clarification about the debt. He then yelled at me I was just going to waste their time and he was noting in my account I was refusing to pay and hung up on me. I called back and spoke to a woman and told her what happened and she then hung up on me. I called back a 3rd time and spoke to a man named XXXX and he explained everything thoroughly and we were able to get to the bottom of it. He pulled the recording for his manager to hear and I hope that they will actually take action against that individual and it wasnt an act. I feel like it was a bait and switch / good cop / bad cop kind of situation & very manipulative. These should not be standard or normal practices.
I checked my report on XX/XX/XXXX and noticed that a account for XXXX was deleted from the credit file and today when I checked my credit file after spoking to a representative of Equifax they refuse to honor my request and claim that they do n't see anything in there system showing that this account was removed. Equifax failed to notify me via mail of the reinsert which according to the FCRA with five days that they will be reinserting this account.
I have contacted kheaa on several occasions and havent gotten a response back with a copy of the original master promissory note in full, im only getting first page that i was never given a copy of. The full promissory note should be 8-10 pages or so like mine from XXXX   college. I also would like a copy of a full details of the loan amounts when they obtained them, how fees were assessed in default, any payments they recieved and how they were applied, and any correspondence they had with me once they obtained my loans in XX/XX/2015 and how they got the information for the addresses they used to notify me of my initial default and my options bc i didnt give them the address that they used for mailing those important documents and they weren't not mailed to my mom to give me even though she is listed to use as a reference to contact me, all areas codes on all the telephone numbers are entered incorrectly so i never got contacted. I feel like things were intentionally mailed to incorrect addresses so i would default. Bc my other loan servicer XXXX was able to contact me and send me mail just fine. And if i dont get an email response, alerting me to respond to this, i was unaware that a response was even sent to me until months too late on 2 previous complaints. This time ill be sure to check back.
I switched from XXXX with XXXX XXXX XXXX to XXXX with XXXX XXXX XXXX. XXXX billed me twice during my first month with XXXX with the same dates of service for XXXX, though I no longer had XXXX. When I changed services to XXXX, I had just paid my bill and had a {$0.00} balance. I have tried to resolve this with XXXX XXXX XXXX, but they are unable to show me proof that I still had XXXX and they were rude to me.
My rights have been violated repeatedly. I can not receive a home loan because of these alleged accounts that are reporting negatively by the CBE Group. a medical debt collector that is currently reporting XXXX collection accounts on my credit report. I have made disputes with the CBE group and with the XXXX bureau 's. The supposed investigation claims the debt is verified. 
I have had my credit report pulled three times in the past three months. Each report contains the same errors. 
For example : Alleged Account # XXXX " opened '' XX/XX/XXXX meaning the alleged account was opened XX/XX/XXXX. 
When I call the CBE Group they do not have record of an Account Opened date. They have a " SERVICE DATE ''. not one of the XXXX credit bureau 's have a " SERVICE DATE ''. CBE should n't be able to put information in what ever section they think is right or might go. 
And the " DLA '' date of last activity. Can not predate the " opened '' date. Any account must be opened before it can have activity on it. I have explained this to the CBE Group and to the XXXX Bureau 's.
1 ) I have been in my home for over 25 years - 2 ) have been behind and some catch up payments have been made - 3 ) Each month when I call to make my payment I am told I owe thousands in late fees I argue and pay around {$420.00}. 4 ) Do not have a payment book or any consistent payment statement sent to my home monthly. 5 ) Strangers have come to my home verifying that I live there - when I call the office I have been told " you signed an agreement and are being charged for the person to observe your home '' - I have never signed anything with this current mortgage company. 6 ) Principle remaining on the house is & lt ; {$15000.00} and the interest rate is 9 % and my monthly payments are relative low around {$350.00} plus their added monthly fees and additional late fees.
I received a pay day loan in XX/XX/XXXX. Due to circumstances at that time I was unable to pay it back. A collection agency called my daughter 's phone on Thursday XXXX/XXXX/XXXX and left a message stating " they are coming to my house and to my work to drop off paperwork about this overdue debt ''. they stated " failure to sign for these papers could cause a failure to appear '' and they ended the call by saying " good luck ''. I called the number and spoke to XXXX XXXX which I 'm sure is an alias. She spoke very fast and requested a payment of {$670.00} within 24 hours and if I did not pay that amount would demand payment of double. {$200.00} every other week for the next 3 months is what she told me I would have to pay. I stated to her that I do n't have that kind of money. I would speak with my mother for help. Which I did, but when I spoke to my mother she asked questions that I failed to ask Sue on Thursday XXXX/XXXX/XXXX. Sue called back on Friday XXXX/XXXX/XXXX during my work hours and left a message. She called on Saturday XXXX/XXXX/XXXX and left another message. She called my daughter 's phone again today Monday XXXX/XXXX/XXXX. I work during the day so I ca n't answer the phone every time someone calls me. I called Sue back before the timeframe of noon like she stated I had to return her call. I asked if I could have a copy of the loan information mailed to me before I made any payments. the year is now XX/XX/XXXX and the loan is from XX/XX/XXXX. Sue did not like that at all, her mood went from positive to negative in seconds. She raised her voice, her tone was aggressive, she talked over me, made statements that were untrue. I felt she was threatening and harassing. She said I made a verbal agreement and that I admitted to the debt. She refused to send me anything. She said contact the original lender for paperwork I questioned why she is refusing since her collection company is the place requesting the payment. She still refused. She also refused to give me the address and name of the legal courier company that was threatening to show up at my work. She even said they went to my previous address but could not tell when they did. She avoided answering any of my questions. I asked who she worked for and all she said was del-ray?? She refused to give the address of del-ray. The phone number that they are calling from comes up as un-known caller so I was only trying to protect myself. I told her I wanted to work with them and that was not good enough she stated she was going to proceed with a lawsuit. I said that she was bullying me and the call ended
Navient, a company who took over for XXXX XXXX loans I have, calls me up to XXXX times a day, calls within XXXX hours of each other due to a loan being 2 months past due. I had requested paper billing so I could mail in Payments and have n't received them so I did slip. I notified them when a check was mailed with the check number and amount and the calls stopped for 4 days. The account is up to date now with next payment due XXXX and they called again at XXXX Sunday night. Enough is enough. Enduring multiple phone calls a day starting daily at XXXX and going think XXXX had finally stopped and now they are apparently starting again.
I made a payment online and whoever enter the information at Select Portfolio Servicing enter the account number incorrectly ( I am at a loss to understand why the information had to be manually enter by the mortgage company ). The reversal was enter as an NSF.

I was called and gave the customer service agent my correct account number and she verified in multiple time. Again it was entered incorrectly when Select Portfolio Servicing attempted to collect the check. It was entered again as an NSF, I have talked to three customer service agents and was told it could not be changed.

I then called the SPS Consumer Ombudsman Service, and again was told it could not be changed as NSF mean many things to Select Portfolio Servicing.
I am a XXXX patient, XXXX does not charge for any XXXX related expenses if you have had the XXXX XXXX. XXXX has a contract to see XXXX patients. I told XXXX the {$50.00} should not be charged to me. I told I.C.system of XXXX, MN XXXX the same thing. I repeatedly gave I.C. system the account no : XXXX and I.C. System Reference No : XXXX and the true statements they repeatedly transferred me would not remove the charge and would not read me back the note that they had taken my statement.
I received a voicemail on my cellular phone on XXXX XXXX XXXX at XXXX XXXX about a complaint that I was named in from XXXX XXXX of XXXX XXXX XXXX XXXX saying they mailed me documents and If i did not respond that day no further assistance is needed and they would take up the matter with my payroll department at my job. I called spoke with a man by the name of XXXX XXXX of the legal department. I asked what the debt was he said he does n't not have all that information, either I paid or go to court to explore and find out if the debt is valid. I went through my files and found that the debt in question was originally owned by First National Collection Bureau Inc . They sent me a letter inregards to the debt, I inreturned sent a debt validation request letter via certified mail on XXXX XXXX XXXX. I received no information about this card until XXXX XXXX when i received the call from XXXX.
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX XXXX/XXXX XXXX XXXX. While the account was not obtained the fraudulent application left an inquiry on the XXXX credit report dated XX/XX/XXXX. Synchrony was notified of this fraudulent activty via phone with XXXX XXXX and an official dispute of this inquiry was sent to XXXX XXXX XX/XX/XXXX however a recent credit report from XXXX still has the fraudulent inquiry listed which is a violation of the FCRA.
Capital One has report 30 days late payments on my credit report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX when i was never late in making payments to them. I had auto withdraw from my bank account with this auto loan so after speaking with a customer service rep they stated that they withdrew the money after the due date. I told the rep that, that was not my fault as i had it set up property and due to there mistake i should not be penalized. The customer rep responded with, they would not remove the negative reporting to the credit bureaus. Now i seek for your assistance.
I finished XXXX school in 2008, straight after XXXX, right into the recession. 

I had a 2 year forbearance, and then did 4 years or so of income based repayment. The IBR barely covered the interest on my loans, but I had been told by XXXX XXXX XXXX ( XXXX XXXX at that time and XXXX ) that as long as I was in IBR I would qualify for Public Service Loan Forgiveness. I called multiple times for information and was *never* told my loans needed to be consolidated for that to happen. 

I also talked to government officials, who did not relay that information to me. And the resources online, at that time, were very unclear about how the process would work. 

I was failed at every step of the way by government, and especially by the student loan companies. 

I should now be on my way to loan forgiveness, but because of either ignorance or willful misinformation, I am not. 

I found out about 3-4 years ago the payments I made had n't qualified because my loans were n't consolidated. By the that time, with my new salary, my loans would be paid off under a standard 10 year plan anyway, so there was no point in going for PSLF. 

In addition to that major issue, XXXX XXXX applied late fees and incorrect payments numerous times to my accounts. They also did n't process my requests for forbearance or income based repayment in a timely manner and I had to follow up multiples of times.
A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX XXXXXXXX XXXX . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX XXXX I made one last attempted to resolve issue with XXXX XXXX and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXX XXXX had sold account back on XX/XX/2018 to XXXX XXXX. 

XXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
After filing Chapter XXXX in XXXX XXXX my mortgage lender shut off internet access to my account online. They also stopped sending monthly statements. 
I want to know why they say they do not have to provide me with monthly statements while in chapter XXXX. My understanding is a law was passed in XX/XX/XXXX prohibiting banks/mortgage lenders from doing this when there are issues with the account. 
Please note I pay my mortgage directly to the lender ... it does not go through my chapter XXXX trustee.
I have received calls via an automated dialer every morning this week ( XX/XX/XXXX through XX/XX/XXXX ). On only two of these calls did the dialer ever even address me - one call was silent so long that I hung, on another call, the operator was engaged in another conversation which I could hear half of, and I hung up on her. This morning, the operator I spoke with was exceptionally rude, and she refused to tell me what she was calling about until I provided her with my social security number as identification, which I wasn't about to provide a random unidentified stranger with. Finally, she told me that she was calling from " XXXX XXXX XXXX, '' but was exceptionally rude and refused to even tell me what the call was regarding without my providing information I had no intention of providing a stranger, so I hung up. This is both a cellular phone, and my work line. It don't believe robocalling it, or using it for collection calls is legal. I looked up the company to see if I could utilize email or some other method of communication, but their site requires an account number to contact them that way, and I don't have one. I am not aware of any outstanding debts, but I am happy to review any debt validation information which they can send me through the mail. However, I refuse to provide personal information to some stranger on the telephone just to find out why they're calling me, and I need these calls to stop.
My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
Freedom Mortgage had just began servicing my loan in XX/XX/2017, which I have had for several years. Within 1 month of having my loan, they stated I had an " Escrow Shortage ''. I was going to be short several thousand dollars, and my payment was going up {$140.00} per month. Again, I have had this loan for several years, and currently have 4 other mortgages on investment properties. So I checked with my insurance company and the county tax office about significant increases. I then called Freedom Mortgage multiple times of the next months, to try to get it figured out, and I got absolutely nowhere with approximately 10-15 phone calls. I have recently filed a complaint with the NC Banking Commission, to which Freedom Mortgage 's response was they paid a non-existent Insurance policy, meaning they ( Freedom Mortgage ) paid XXXX XXXX insurance, money out of my escrow account for an insurance policy that I had absolutely nothing to do with. I have never had XXXX XXXX as an insurance provider. They have not received a refund for this payment, therefore my Escrow Account is in shortage.

So, after months and months of no response from Freedom Mortgage, my payment is still {$140.00} more than it should be, due to them paying another insurance policy and not receiving the refund.
Two days in a row, people have called me telling me that the government has placed a file with them and they want my date of birth or other identifying information. When I ask who they are, they tell me the can tell me only their names. Any legitimate response would include a name and company name. They refuse to do this. During the third call in 10 minutes this morning, a woman told me this is from General Revenue Corporation. I asked her to send me a letter before making harassing phone calls. She asked for my address. 

Calling repeatedly within a short time frame is harassment. Refusing to identify themselves and their employer when asked is shady. There are too many scams that begin with demands for personal information. I 'd pay a bill if they sent it - my address is easily available. I will not tolerate another morning of this kind of harassment.
Reported that I had a fraudulent account ( checking account ) with Wells Fargo back in XXXX of 2016. I have a benefit that allows for a Fraud advocate to help me. We provided all the documentation to advise I was a victim of ID Theft, including a police report and ID Theft Affidavit as well as other documents. We were told in XXXX of the offices that this was resolved as fraud, but come to find out they did not resolve it, but sold it off to a collection company during the time they were investigating the debt or after they told me it was resolved as fraud. Case XXXX acct # XXXX.
I have sent Credit Acceptance a Cease and Desist letter and they continue to call me after they received it. I also sent them an online cease and desist through my online account twice. I have told them several times not to call when my account falls behind. I have never been more than two weeks behind, I have always caught it up and paid the late fees. They call on day one if it is late, many times when they payment has been paid through their website on the due date.