WillisBack/dataset-financial-user-claim huggingface dataset:
CapitalOne credit card provides an extended warranty that doubles the original manufacturer warranty up to a maximum of twelve ( 12 ) months on most items you purchase. For products with multiple warranty components, each warranty time period will be extended up to a maximum of twelve ( 12 ) months. Should you fail to properly register the original warranty as required by manufacturer, we will only double the actual warranty time period that you received from the manufacturer. An example of a product with multiple warranty components includes an appliance with original manufacturers ( or U.S. store brand ) warranties that differ for parts, labor, compressor, etc. If you do not have an additional service contract or an optional extended warranty, this Extended Warranty benefit commences the day after your original manufacturers ( or U.S. store brand ) warranty expires.

Coverage limitations : The maximum Extended Warranty benefit for repair or replacement shall not exceed the actual amount charged on your MasterCard card or {$10000.00}, whichever is less. 
en I called Capitol One XX/XX/2018. and attempted to redeem the extended warranty coverage it did not appear to be a problem since the warranty doubles the original time of the purchase. CapitalOne has failed or refused to honor the extended warranty which is unfair, deceptive, and abusive practices.I ask the CFPB to take action against this companies that break the law and disregards its own policies.
Navient is unlawfully pursuing my client, XXXX XXXX XXXX XXXX, after being notified as far back as XX/XX/XXXX, that his alleged signature on the promissory note is a forgery. By letter dated XX/XX/XXXX, Navient sent XXXX XXXX a letter stating the account is now under review for litigation. Total amount owed is {$8500.00}. Forgery is believed to have been committed by XXXX XXXX 's ex-wife, XXXX, who took out student loans.
Experian is a credit report agency. In order to view your credit report with your score you must pay {$1.00} and then they AUTOMATICALLY enroll you in their credit monitoring service for {$21.00} a month. There is no way around this. Then if you do n't cancel within 7 days, they charge you the {$21.00}. This is in small print. They do n't send you a reminder email or anything. They are hoping that the average consumer will forget about it until they charge you. Then, even if you cancel as soon as they charge you, they will not prorate any of the money back to your account. This is not fair to consumers. The onus should not be on consumers to opt out of something seven days later. You should be able to opt out of the service immediately. Also, if you cancel they should prorate the unused portion of the service. A company SHOULD NOT be able to rob hard working Americans of {$21.00} through these sneaky tactics. I expect more from an agency who is has so much power over the livelihood of American, but instead they are robbing us. CFPB, please make this company change this policy. It is unfair and predatory and this company is making money not by providing a service, but by hoping that Americans are inattentive and forgetful. It 's not right.
I applied for an account under a promotion and have completed all the required steps. I have reached out to them multiple times and they have not reconciled the problem.
Is to remove all the inquires off of my credit. I just turned XXXX and i havent put any of these inquires on my credit and its affecting me .And I was a victim of the transunion inquiry error/glitch that happened but they want remove the inquires on my credit report.
I went to XXXX XXXX in search of a car lease within a week of my bests friend going to the same company and getting a lease. We had similar credit and a similar situation when we applied for our loans. We both had co signers. Our credit was actually better than there 's. We walked away with a XXXX XXXX XXXX with a {$290.00} payment for 36 months with a XXXX mileage cap. My cousin walked away in a XXXX XXXX XXXX XXXX with a {$270.00} payment for 36 months with a XXXX  mileage cap. I have asked the company how it is that we both were there within a week and managed to have such a difference in our mileage caps. No explanation. In my opinion this is unfair and unjust. They should be required to offer the same lease terms to borrowers in similar situations.
The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  ....
do not think I enjoy or have time to keep filing complaints but much remains unresolved. number one I  do not have as I previously requested the NOI from XX/XX/XXXX. I was sent one from XX/XX/XXXX when forclosure was never filed and I never got that either. Do not make allusions in your answer to the amount of complaints I file. I never have time for the horrible, untimely service you provide. Non specific and evasive. I submit there is none since I received nothing. Do not tell me to contact the law firm. Appropriate legal filings have been filed. Do not send me previous responses as all are not effective. Just like the one you will send here. I want NOI frpom XX/XX/XXXX that was sent to me supposedly that I never got. Its supposed to be sent certified mail. I submit I received nothing.Additionally, I do not understand the property tax explanation in the last response and want to know that what I sent in was applied exactly what is short in terms of what is short if I was current which I realize I am not. do not in your responses as has been done previously send me copies of previous answers this does nothing but annoy or tell me to call the foreclosure mill you are working with. Both are ineffective responses. For the record, while I called the home preservation specialist many times to cooperate with loan modification process and to receive clarity for what is needed. I never heard back. NEVER with messages left XXXX XXXX
I wrote XXXX checks to the United States Treasury, XXXX checks in XX/XX/2016 and XXXX check in XX/XX/2016 I will like to be able to make copies of these checks on my online bank account but they are not accessible to do so -- all other checks that I have written on my bank account are printable except these XXXX checks made out to the US Treasury. In the near past, I have had no problem with this matter and wonder why the stonewall by the Treasury Department is occurring now.
I have a conventional loan through Seterus Inc. We pay our payments on time and recently submitted a request for cancellation of PMI. My understanding based on research and Seterus website was that we needed to have 20 % equity on the loan.      Following the appraisal I received a letter advising the value of the home based on the appraisal is {$470000.00}, our loan amount is {$360000.00}. So we have almost 23 % equity but they state in the letter that we need to have 25 % equity.     Are loan companies able to make-up their own rules? I thought the Govt mandated PMI cancellation with 20 % or more equity and on-time payments.     Also, the company states in writing their hours are  XXXX   XXXX  to  XXXX   XXXX  but when calling the number provided it states  XXXX    XXXX   to  XXXX   XXXX , are loan providers not required to be open when customers can actually conact them?
XXXX XXXX XXXX erroneously reports the payment made in the last month reported on the credit hx was late. We traded this vehicle in on another in XXXX 2012 & payment was current. The car dealer sent the payoff for this vehicle LATE to XXXX XXXX XXXX. XXXX XXXX check records for date of vehicle trade, refinance of new vehicle versus date the dealer sent the payoff in, & confirm payment was late as a result of the dealership handling & not the customer. Our payments were on time. I received late notices from XXXX XXXX & contacted them at least 2 times as well as XXXX of XXXX requesting they get this taken care of because I do not like being accused of being late when I am not.
On XX/XX/2018 Capital One Loan Auto XXXX Service financed XX/XX/2018 XXXX   XXXX XXXX Vin # XXXX therewith XXXX XXXX  took delivery.

On XX/XX/2018 Mrs. XXXX  experienced a series of electrical matters and sought to return the vehicle for an exchange. Mrs. XXXX over her objection allowed the service department to make an attempt to repair the damage. The said repair failed and Mrs. XXXX sought an exchange of vehicle and or rescind the loan and met with strong resistance that still remains thereof by the parties ( XXXX XXXX & several employees from Capital One ) involved with said transaction both abinitio and post thus far, and was told the loan had been funded
I have these inquiries on my credit report from the same company I did n't authorize. I have sent request to XXXX XXXX to remove and they refer me back to Transunion. I did n't authorize and request removal. 
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX Trans Union Inquiry from XX/XX/XXXX + Misc.XXXX
Trans Union Inquiry from XX/XX/XXXX + Misc.XXXX
Trans Union Inquiry from XX/XX/XXXX + Misc.XXXX
Trans Union Inquiry from XX/XX/XXXX
we had a chase bank credit card i thought this card was paid off back approx XX/XX/XXXX its now XX/XX/XXXX and XXXX service files a garnishment against me, i called them and XXXX said it already done and hung up on me that was XXXX at XXXX XXXX
We were using Quicken loans to purchase a home, which is a new construction on VACANT land scheduled to be finished in XX/XX/XXXX, On XX/XX/XXXX i was asking about the closing costs because I noticed the property taxes {$2800.00} was on the tax cert. I was told this was an estimate because currently the lot was being assessed based on vacant land. 
On XX/XX/XXXX, I called the XXXX County Assessors office and I spoke with XXXX. I gave her the LOT #. XXXX told me that the only thing due was {$0.00} cents for the year based on the VACANT land. I asked her if XXXX County were going to come to come out and reassess the land now that there will be a home built on it. XXXX told me they will not reassess the lot for two years or XX/XX/XXXX. I emailed Quicken and was told Quicken would have to do their own research. 
On XX/XX/XXXX, I emailed Quicken and asked for an update. 
On XX/XX/XXXX, I received a response from Quicken and they stated they are adjusting the closing costs but keeping the escrow account with an estimate of the property taxes included. I responded and asked if RESPA comes into effect because it limits how much settlement costs can be collected. The Quicken rep called me back and explained they don't want us to have an negative escrow account a few years down the line, so it's their policy to collect property taxes based on an estimate. I told the rep that when I purchased a new build home back in XX/XX/XXXX, I ended up being short on escrow and XXXX had me make a payment to catch it up. The Quicken rep basically said it's their policy. I didn't want to delay the closing, so I just let it be and would instead file a complaint with HUD. 

My complaint is Quicken Loans/Rocket Mortgage is basing our escrow account / monthly payment on an estimate. They concluded {$2800.00} would be due in a few years! so they're over charging each month in the mortgage payment, holding it in their own bank accounts ( probably interest bearing account ). Quicken could have easily over inflated the property tax amount to a point where we would not be able to afford the estimated mortgage payment, which would have made us back out of the deal based on an erroneous monthly payment.
This is a follow up to complaints : XXXX XXXX I have not received the info. I requested to verify the validity of my cosigning status. XXXX XXXX XXXX XXXX XXXX has not been forthcoming in providing the info. I requested. I do not want to file a fraud complaint until I receive all the info. I requested.
On XX/XX/XXXX I made a payment of {$93.00} to XXXX XXXX XXXX in order to close an account that was delinquent. I was told that my credit report would be updated.As of XX/XX/XXXX the account is still showing as delinquent on my credit report. I received a paid in full letter but my account status has not changed in over two years.
My wife and I filed for bankruptcy under chapter XXXX on XX/XX/XXXX and was discharged on XX/XX/XXXX. We thought that after the discharged of the bankruptcy we had a clean slate. Since then we have obtained few credit cards and pay all on time. We also maintain our home mortgage payments on time. In other words we have never been late on any account payments since XX/XX/XXXX. 
We recently applied for an Equity Loan from the XXXX XXXX XXXX to effect some repairs on our home and we were rejected because of : Serious delinquency, numbers of accounts with balances etc. XXXX XXXX XXXX based their decision on the fact that all XXXX credit reporting agencies still list on our credit reports all the accounts that were discharged in the bankruptcy. I think is very unfair to based their decision on our financial problems prior to the bankruptcy since according to our laws we supposed to have a clean slate after we painfully were forced to file in order to save our home. 
I am a veteran and I feel XXXX XXXX XXXX should give us a XXXX look
Wrote to this company multiple times whereas I asked them to stop contacting me yet they continue to do so via telephone calls and U.S. Postal Mail.
Navient has called me several times a day for the last 3 months. I have spoken with one of  their representatives and let them know that I would get back to my regular payments as soon as I could. I told them that I recently had a child and it could be a while before I was no longer past due. They told me they would notate it on the account and then asked me how much I was going to pay today ... ... After that conversation I continued to receive multiple phone calls daily and now they are reaching out to my relatives and in-laws to get a hold of me. At this point I will not be paying them a dime. I will claim bankruptcy before I pay them!
I have unauthorized and fraudulent inquiries and addresses listed on my Equifax credit report that do not belong to me. The following inquiries are fraudulent and unauthorized : XXXX XXXX Bank, XXXX/XXXX/2016, XXXX Bank, XXXX/XXXX/2016, the following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX
Mobile deposit for {$700.00} USD made on XXXX XXXX, XXXX and confirmed immediate access to full funds. On XXXX XXXX, XXXX, a hold was retroactively placed on my deposit and no one at Citibank can provide a reason for clawback of funds. 

Mobile deposits have never been held in the past.
I have been struggling with my mortgage company which XXXX is the  servicing company and Lakeview is my lender. They gave me hard time to short sale my house with them. As my agent had reported and got the offer to them. They took over 4-8 week to processing each single pieces of information they requested. They also keep changing mind on the offer. The property is never changed pending from XXXX XXXX XXXX ( XXXX ) as I instructed the agent not to do so. However, they never consider anything for my sale and pushing me to foreclose the house. Their information is not corrected at all as I have told them. They never want to help and just want to foreclose my house without any help
A deposit I made to Well\s Fargo Bank was returned by them and reason was refer to maker when I requested that the Check be returned to me they complied and gave me written notice that it would be removed from my account within 3 business days. I then took said check to my credit Union and verified the funds as it was from an insurance company and made deposit into Credit Union. 6 days later the check bounced at the credit Union because Wells Fargo had resubmitted the check electronically and taken the funds, later I found that they indeed had been paid for that check on the evening I deposited the check so the letter that was generated to me was in fact a false hood. do to the fact that they had released the check to me and were to remove it from my account I in good faith deposited it into credit union and since it bounced I have incurred numerous overdraft fee 's and numerous accounts have put me on a cash only basis. I have on numerous times tried to negotiate with them for reimbursement of what I am out because of their mistake and have yet to get a fair dealing from them. they have skirted around the issue and changed the case number so many times that they do n't know what the main issue is. having tried and failed to deal with XXXX departments in resolving the issue I was forced to file a small claims case against them and have not gotten any response from them. being that I am on a fixed income and these fee 's totaling about XXXX now it is about securing the funds to maintain a meager lifestyle that I have. this has gone on now for 7 months and I am now at the point of filing bankruptcy because of the loss of these funds.
XXXX was offered a loan modification with a down payment of {$9300.00} from XXXX with a down payment. XXXX sent XXXX the check they cashed it and they never gave her the loan modification. Then she was transferred to another servicer and it has been an on going process of trying to get her loan modified as well as trying to find out what happened to the {$9300.00} and why did XXXX take her money and would not talk to her after they received her money.
I checked my credit score because I am looking to rent a house, and I saw this unrecognized name of a bank I haven't heard of before. I am reporting it as fraud because this wasn't me and I have never heard of this bank name before.

Inquiry from XX/XX/XXXX Bank This inquiry could stay on my credit card report until XX/XX/XXXX. 

Institution Information Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX
I have disputed A Charge on my credit Report with Transunion over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with transunion on XX/XX/XXXX regarding the charge with XXXX XXXX for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with transunion over the phone regarding the disputed information! transunion has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given transunion over 4 months to properly support this information or remove it and neither is done transunion sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!
Capital One Credit Card has a line on their statements reading ***important tip*** pay at least the Interest Saver Payment by due date to avoid interest on new purchases, but the amount is lower than actual new purchases. The difference is added to the amount owed, or reduces principle already paid down. The end result, statements intentionally prevent you from paying down balances if you follow the directions on the statement
I have been fighting with XXXX for over 10 years about my student loans and now i am fight with navient for the same reasons. I was setting of my bank account to autopay my bills, I called XXXX and asked for their mailing address and I spoke to a customer service agent and asked her how much was i supposed to be sending each month she told me {$110.00}. For three months i sent XXXX XXXX dollars and then i notice that i had a posting on my credit report of late payments. SO i called XXXX again and that is when i was informed that the payment was to low. I went by what was told to me by their agent so why should i have to be penalized for her wrong information? THAT WAS XX/XX/XXXX ITS NOW XX/XX/XXXX i have been paying a XXXX to help me remove this from my credit report and ancient has ignore all correspondence from them and me. IT IS NOT FAIR THAT XXXX AND NAVIENT SHOULD BE REPORTING THAT I WAS LATE ON PAYMENT WHEN I DIDNT HAVE NAVIENT AT THE TIME.
I have debt collection on my credit report from CERTIFIED SERVICES worth {$500.00} which I am not responsible for due to the fact that I was involve in an incident where I was the victim and needed medical attention back in 2015.
XX/XX/2015To whom it concernsI applied for the HAMP application XXXX XXXX, 2015. I sent the application XXXX ways. I sent it by email to a BSI Financial Services and to their XXXX office. It was later determined that the information was not being processed and had been sitting in someone 's inbox. I resent the information on XXXX XXXX. I received a confirmation letter on XXXX XXXX that all of the information was being processed. The loan information was transferred from one representative to another on XXXX XXXX. My wife and I have been calling ever since. 
Here are the days that we called or correspondedXX/XX/2015 - My wife left a XXXX XXXX am - spoke with Supervisor. Verified all documents were received and that load was reassigned from one rep to anotherXX/XX/2015 - Left voicemail for repXX/XX/2015 - Left voicemail for repXX/XX/2015 - I called and left messageXX/XX/2015 - Spoke with supervisor again XXXX : everything filed on XXXX/XXXX/2015 and it take XXXX days. Normal process is XXXX days but they are backed upXX/XX/2015 - left voicemailI am just a little frustrated with the process because what normally should have happened by XXXX XXXX has spilled over into XX/XX/XXXX. I.e a XXXX day process is not has now been XXXX days and still no response whether we have been approved for the HAMP. Please helpThanks
I have notified Simons Agency Inc by Certified mail about this complaint and they completely ignored my complaint about this issue. 

Simons Agency Inc in NY has been trying to illegally collect from me and has left XXXX entries on my credit reports. I have asked NJ Treasury to look up Simons Agency to verify if they are bonded or not ... NJ Treasury has confirmed to me that Simons Agency is not bonded to collect in NJ and is not legally allowed to collect in NJ without bonding. 

According to New Jersey Section 45:18-1 Collection agencies must file bond to engage in the business of collections in NJ, there for Simons Agency is not legally allowed to collect from me or put anything on my credit report because they are not bonded to do so. 

Simons Agency Inc has already broken NJ law and is in violation of the law. I ask that this be fully investigated and to comply with my resolution.