WillisBack/dataset-financial-user-claim huggingface dataset:
Over the past ( 5 ) five years Capital One financial had managed to snap of 90 % of my Store Brand credit cards i.e XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, etc. account as the credit card provider merchant. Without full disclosure had changes terms and agreements, payments due dates and posting timelines. Captial One is now engaging in the late posting payment games charging late fees, and forcing the consumer to pay a higher minimun payment amount due on the next billing cylce. Prior to Capital One now becoming a monoloply on merchant serivces I had filed several complaint with CFPB about Capital One very same practices over ( 8 ) years ago. 

Therefore, I am once again reaching out to my Federal government and asking for consumer protection from one company taking possession of multiple Store Brand card services and engaging in deceptive billing practices to generate more funds to buy up more companies.
orchard card was bought by capital one. on XXXX XXXX, i paid both my regular capital one acct. and the that was originally orchard. the regular capital one they automatically closed. the orchard one, they did not. i do not have a valid credit card for this account. i was just alerted by credit monitoring that they have reported me as deliquent. it seems they " decided '' not to close this account in order to charge me an annual fee on XX/XX/XXXX, have now charged me a late fee, interest on it, another late fee and more interest. i was not aware the original card had an annual fee. i was not sent a card to use, so why would i get charged an annual fee. i also have not received any bills from there or an email to let me know that i had a balance. Very unfair for them to close the XXXX acct. they could n't charge me a fee for and leave the open the other, then not bill me and keep charging me late fees and interest, given the fact that i do not possess a valid card and can not charge on it myself. 
i do not have the card no, acct no. according to credit report is XXXX
Reporting to the Credit Bureau ( XXXX ) that my debt is paid in full, however its 120 plus days late. I 've contacted them XXXX times and they keep telling me that they are reporting it correctly. Yes, it is showing Paid in Full, however they will not change the status which shows it is over 120 days past due. The account has been paid for over a year, but its affecting my credit score on XXXX. This last time I contacted them, they simply sent me a letter that they had already sent me on XXXX XXXX. They did n't even try to correct this issue. I 'm reaching our to you all before I sue in court. This is costing me money because my interest rate is higher because of this. XXXX score is XXXX points less than my other XXXX scores and its all because of this erroneous reporting. They are breaking the law by reporting erroneous information according to the FCRA.
XXXX has reported a debt from RSH and Associates for {$2300.00}. I called and inquired about the charges. RSH purchased debt from XXXX, now no longer in business. I never ordered or received the sleep equipment that the current creditor ( RSH ) claims that I received from XXXX. I spoke to RSH representative XXXX XXXX at XXXX. I asked XXXX for documentation with itemization of the bill to provide me, since I never received any sleep equipment. XXXX XXXX stated " I 've noted your account that you are disputing charges, but we will not delete it ''. I then asked if I could get a copy of the original invoice, he told me that they were not required to provide any documentation from the creditor regarding charges owed. When I asked to speak to a manager or supervisor I was told " that is not an option ''. XXXX said the manager said he refused to take the call. He would not provide the name of his manager and hung up on me. Without any documentation of the creditor services, equipment or charges this item should be removed my XXXX credit report altogether according to my consumer rights.
On XX/XX/2018, I applied online and was approved for an American Express XXXX XXXX. Within 15 minutes of being approved for the card, I realized I had made a mistake. I had a promotional mailer from American Express that had been sent to me offering me XXXX bonus points, as opposed to the standard XXXX bonus points that are normally offered with the card. I immediately called American Express and spoke to a representative who assured me that as soon as my account was provisioned, I would be able to submit a request to retroactively fix the problem. I asked the representative if I needed to close this account and reopen a new account in order to claim the bonus, and I was told that was not necessary. 

I proceeded for the next 2 months to call American Express multiple times to try to get the issue resolved, or escalated, to no avail. They claimed that they had no record of extending this offer to me, even though I have in my possession a physical copy of the mailer with the RSVP code ( XXXX ), for which I've attached a scan. I was promised during my final call with American Express that this issue would be escalated to corporate, but I was never contacted again. The value of the XXXX points I was denied is over {$700.00}, and for a card with a yearly fee that nears {$500.00}, this is unacceptable. 

I could understand the denial had I not called American Express immediately after I was approved, but I called and spoke to a representative within minutes when I realized I hadn't been credited for the full bonus offer I had extended. I was willing to rescind my application and apply again with the proper RSVP code, but was told I didn't need to do that and that it would be possible to have this matter fixed retroactively. Instead, I received the runaround for months while trying to pursue this issue.
Six fraudulent transactions appeared in two separate Bank of America accounts, all occurred XXXX/XXXX/XXXX # 1 from savingsaccount for {$1000.00} # 2 from savings account for {$3000.00} # 3 from savings account for {$3000.00} # 4 from savings account for {$3000.00} # 5 from savings account for {$4000.00} # 6 from checking account for {$1000.00} I immediately called the bank 's customer service line XXXX, but the fraud department was already closed ( I became aware of these transactions just before XXXX XXXX Eastern time ). 

The following morning I called the fraud department, filed claims for both affected accounts, froze said accounts and canceled debit card. I then visited my local bank branch to open a new checking account to which I transferred my remaining balance. I then visited my local police department and filed a police report. 

After two business days I obtained a copy of the police incident report which I faxed to the bank 's fraud department. Another two days later I called the fraud department to inquire whether the fax was received - it was not yet tied to my account but the agent I spoke to made notes of the incident number and municipality of the report.

After another 5 business days or thereabouts, I sent a certified letter to Bank of America fraud claims department containing my personal statement of the events, printouts of my account statements, and a copy of the police report. 

I followed up with weekly calls for updates on the status of my claims and confirm receipt of the materials provided by me.
Equifax did not properly protect my day at and had a security breach where my information, including social security number, was disclosed without my consent. This resulted in improper disclosure of my credit reporting bureau information. 

I have contacted equifax but they do not have remediation or way to resolve this. They have offered free credit monitoring but this is insufficient recourse with risk of my identit being stolen and hardship with issues downstream
I have already tried contacting XXXX XXXX XXXX with 2 official notices asking to prove the debt is mine but they have produced no documents related to this debt, they just keep calling and sending me the same letter over and over again. 

At this point this needs to be eliminated from my profile.
XX/XX/2017, XX/XX/2017 an XX/XX/2017 hard inquiries were made on my credit report through XXXX credit ( no store credit card was approved ) an never removed from my report .by Syncb/walmart XXXX XXXX FL XXXX ( XXXX ) XXXX
I previously had a problem with Ocwen Mortgage Company ( XXXX # XXXX ). 
My escrow account has been a problem since the loan was taken over in XXXX. Ocwen 's states there was a problem when they took the loan over in XXXX.I attribute the problems to fraud and bad accounting. XXXX XXXX my escrow analysis showed I had a deficit and my mortgage was going up {$82.00} a month. My taxes stayed the same and my insurance policy went up {$20.00} for the year. Where is the money going? My escrow shows XXXX insurance policy payments XXXX XXXX {$540.00}, XXXX XXXX {$670.00}. Also the same on the new XXXX analysis shows XXXX insurance payments for XXXX XXXX {$690.00} and {$670.00}. 

Ocwen sent me an escrow analysis and they totally omitted XXXX 's payments ( I beleive they realize they dont add up ).
XXXX, XXXX and Transunion all have supposedly investigated my claim that : 1 ) XXXX collections of XXXX XXXX, Tex. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record. 
2 ) None of the three, XXXX, XXXX or Transunion have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.
I have a loan with XXXX XXXX at XXXX XXXX XXXX XXXX. Pa. XXXX Their phone # is XXXX. XX/XX/XXXX I have received a message EVERYDAY on my home phone from XXXX at XXXX. His message varied about wanting to increase the loan and also stating I have not made my XX/XX/XXXX payment on time. Since I have auto pay with my bank and have never missed a payment to anyone in my life -- I basically ignore the calls. They continue. On XX/XX/XXXX I call XXXX. He says I did n't make my XX/XX/XXXX payment. I go online while he is on the phone and find the payment and and the picture of the check and stamp from XXXX. He does n't believe me-so I have to fax a copy of the cashed check to him. Then INCREDIBLY I get home and he AGAIN is on my home phone message saying that I have to now send a copy of my bank statement to show my bank took the money out of my account. I find that unbelievable but I complied. I have now sent by mail a copy of my bank statement with the check number and showing the bank cashed the check. XXXX calls ( Ihave all the messages ) -then a fax of the cashed check ( still not enough ) and finally I have to send my private bank statement to hopefully stop this harassment!!!! This co. and this employee need to be kept in check. Absolute harassment to make someone prove they paid you after I send them a copy of the check they cashed!!!
I had a credit card with Capital one that I closed earlier this year. Part of the balance had a 0 % interest rate until XX/XX/17.  Earlier this month I made a {$500.00} payment to pay off the 0 % balance prior to the promotional period expiring. After a few days of making the payment I contacted Capital One to ensure the payment had been applied to the correct balance as I did not want to pay a year worth of interest once the promotional period expired. Long story short, when I called Capital One I was informed that the lump sum payment I made was applied to my other balance and only {$55.00} was applied to the promotional balance. I asked the rep to pay off the promotional balance, but she said she could n't as their policy does not allow them to do that. I asked to speak to a Supervisor. I spoke to two supervisors who told me the same thing. I argued that it was not fair for them to refuse to allocate my payment to my promotional balance in order for them to charge me a years worth of interest come XX/XX/XXXX, but they refused to oblige to my request/demand. In XX/XX/XXXX I enrolled in a Debt Management Plan, and they refused to enroll this card to the program stating the reason being part of the balance had promotional interest on it.
Freedom Mortgage states in their payment script that if a payment returns they may make a 2nd attempt to withdraw funds. A payment was submitted prior to XXXX and due to an auto withdraw error it returned. Freedom mortgage did not make a 2nd attempt without advising that they would n't which caused the payment to go over XXXX. Upon speaking with them and advising it was unfair and deceptive I was advised by a supervisor that it would not report. 11 days later I was sent a letter advising it would report and upon calling the mortgage company I was advised that none of their payments make a 2nd attempt, or that " only some depending on the bank '', but they would not provide a list of the type of transactions that would make one, and when brought up that the initiating bank makes the decision to withdraw twice, I was advised that " it just depends '' and that it did n't matter because their script says " it may ''. When brought up about the prior discussion with a supervisor, I was advised I would have to give them the date for them to find the notes, and then afterwards was told there were no notes from a supervisor. I asked for them to pull the call, as well as why they would say there is n't notes reflecting a supervisor agreeing the legal script could be deceptive and advising it would n't report, and then was told " they ca n't confirm or deny ''. 

If the legal script did not imply a 2nd withdraw would occur, I would have known and been able to correct this prior to XXXX, however because I was waiting for a 2nd attempt and not submitting an additional because I could not pay 2 mortgage payments, the company is now blaming fault on me as the customer for not knowing that " may withdraw '' would mean it would n't. This is clearly deceptive and unfair, as the initiating bank is the one who decides to make a 2nd attempt or not. Generally there is no conditions on what types of returns this happens for, and the company can not provide a list to their customers so that they are being transparent. It is also completely deceptive that a supervisor would promise that it would not be reported due to those factors, and then when the company decides to do it anyways there is suddenly no record of this and they are completely unwilling to rectify it.
On or about XX/XX/2017, I filed a dispute with TransUnion to investigate information reported by XXXX. XXXX has refused to remove delinquent payments on my credit report, as XXXX agreed to remove the delinquent payments as outlined in a signed Repayment Agreement under the Loan Rehabilitation Program. I completed all of the requirements of a Loan Rehabilitation Program with the debt collector, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, regarding XXXX- USA Funds, XXXX Account # XXXX. XXXX and its representatives indicated that delinquent payments previously reported were deleted from the credit file of national credit bureaus after I completed all the requirements of the Loan Rehabilitation Program and transferred to the new lender. I signed the Repayment Agreement under the Loan Rehabilitation Program ; signed the Borrower Acknowledgement Form ; and completed the rehabilitation program. XXXX refuses to adhere to the terms and conditions of the agreement, as XXXX did not contact the national credit bureaus and notify the credit bureaus to delete derogatory credit rating previously reported by the guarantor in reference to the loan ( paragraph 3, line 4 ).
I have received notice via XXXX a collection agency American Accounts Advisors of XXXX XXXX, MN. Yet I 've received no bills or notices of claim. I do n't know what the bill is nor has anyone attempted to contact me in writing.
All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX.
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.
XXXX, I had my service disconnected because I got very sick and couldn't afford the extra expense. 7 months later, I have been getting daily, and nightly phone calls from a debt collector who is saying I owe XXXX to XXXX. the amount has increase from XXXX to XXXX. I contacted XXXX to say i do not believe I owed them that much, because for the entire duration of my sat service, I had to call each month billing cycle and dispute charges. I have asked several times for them to show me the proof that I owe them that much. They have said they would send me something in the mail, i never received it. now their collection company harasses me, they are rude and call all day and night. 

i'd pay what i owe, but don't want to pay for what they can not prove. 
The collection company is RPM Receivables Performance Management , LLC
I have been waiting since XXXX XXXX for my annual credit report from Equifax. 
Equifax claims they mailed credit report on XXXX/XXXX/2016. Nothing received to date.. 
Four months is long enough to wait for my credit report from Equifax. 
There is no person customer service telephone number for Equifax.
southwest illegally reaged my account 2 years. its a collection from XXXX the debt is from XX/XX/XXXX but southwest has decided its from XX/XX/XXXX on my credit report. so now it says it will be on my credit report until XX/XX/XXXX thats 9 years from when the debt happened in XX/XX/XXXX im sure it was on purpose and they like {$1000.00} fines for illegally reaging debt.
PNC Bank holds the mortgage for my home. I ask about removing the escrow account. They would for a {$900.00} fee. I ask them to provide the paperwork authorizing this fee. They told me there was none.
I have been trying to sell my property however there is a lien on the Property ; the property had been re-financed, paid and transferred to XXXX XXXX XXXX from XXXX XXXX that is now Ocwen mortgage -- I have tried to get a lien release without success
XXXX XXXX continues to send me notice that I have a payment past due. I have direct debit, money was not properly applied to my account on their end. I contacted customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. There is not a XXXX representative following through on my issue and I need to start at the beginning with every call. I get a different details about how they are managing my payments with each call, and this is still unresolved, not my fault, and potentially damaging to my credit! On XX/XX/XXXX I requested a callback when my payments had been properly distributed on my account and the second level rep promised she would personally make that call, more than a week later FedLoan servicing failed to call but according to my conversation today something was done to redistibute funds on XX/XX/XXXX.
I have a loan with Special Financing that was arranged for and set up by XXXX a company that I now believe is a scam. They have misrepresented and failed to provide the services I was sold. I have stopped payments on this loan and am trying to get the XXXX the company who is responsible for the brokering of this loan to refund the money to them. Special Financing is working with this company who is not fulfilling their promises. When they called me about payment I referred the to XXXX and they said that they will have them contact me. I have still not received any contact from XXXX. I do n't believe they will.
The servicer offers no options to make a payment via phone over the weekend! If you travel or work and the weekend is the time you have, the serviced should offer the automated payment option. When you call the XXXX # that is on the bill, they state that there is a automated system 24 hrs a day then it gives hours of operation ( m-f ) then it hangs up. The option that the servicer does offer is payment online but not all of us have internet capability! Also the online option does not offer payment by debit card. So not only does the borrower have to go find internet access, the are only given the option of paying by checking or savings acct # and routing # which is not normally info that someone carries around with them when they travel or away from home. If they wont over automated system for pay by phone 24 hrs as they advertise then they shouldnt be charging late fees for borrowers that dont have access to the internet and those who dont have the checking or savings # readily available
I cycled through a bankruptcy in XX/XX/XXXX. One creditor I had was BofA. I pulled my XXXX  Credit report in late XX/XX/XXXX. I found there was inaccurate information in my XXXX  report concerning a bankruptcy discharge of the a BofA credit card debt. After contact with XXXX they reached out to BofA in late XX/XX/XXXX and BofA did not respond... so XXXX  took the debt off my credit report. Fast forward to XX/XX/XXXX and my credit monitoring service sent me a text stating my credit score had dropped 50 points. I logged into the credit monitoring an saw that XXXX  and BofA had reposted the debt that had been originally taken off (early XX/XX/XXXX) due to the BofA violation of the FCRA. I contacted XXXX  by letter and followup phone calls and they told me they could not help me and laughed at me when said I would be calling the CFPB. Next, I called BofA and advised them of the problem and that through the FCRA were supposed to make notice to me of the reposting and disclosure of a debt according to 15 U.S. Code 1681s-2/h. BofA representative XXXX XXXX told me she could not help me and... when I mentioned I would be filing a complaint with CFPB and she almost dropped the phone laughing at me.Debt partial number XXXX Opened XX/XX/XXXX - Closed XX/XX/XXXX.