WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX my credit card was reported over the spending limit and i lost XXXX points on credit score the problem is that i never went over my limit and call into Captial One and it was investagated 3 times and they came back and said yes it was an error on there part and could n't correct it for up to 60-90days ... I was in the process of buying my house for my children and i and should not be punish by losing my house and loan because of an error on there part. I call for 3days and keep getting the run around this is not best practices at all not to mention that they didnt report me in XX/XX/XXXX at all and had to update that information on XX/XX/XXXX. Im truly upset and surprise that a company could do this and nothing be done to fix my problem ASAP
My Mortgage company ( Bogman , INC located @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX ) transferred my loan to XXXX effective XXXX XXXX, XXXX. I have always made my mortgage payments on time since the day of the original settlement date of purchase XXXX XXXX, XXXX. As of last month, my new service lender, XXXX, informed me that I was paying homeowner 's insurance via escrow. I was not aware of this & in fact I have called & inquired this concern to Bogman prior to this notification of my new lender. I have learned through XXXX that BOgman XXXX Inc has been charging me for homeowner 's insurance. In the past when inquired, Bogman 's response to me was that I was not paying any homeowner 's insurance through them. I have always paid a separate homeowner 's insurance through a company called, XXXX for many years. I have proof of my XXXX homeowner 's insurance payments. My concern is that I wish to seek repayment from Bogman , Inc of the money I paid out to Bogman , Inc for homeowner 's insurance that which I did not need as I already was covered under my own homwowner 's insurance each month. 
In reviewing Section XXXX of RESPA, I believe I am owed this money because Bogman , Inc did not act in " good faith '' as a provider in providing adequate notice & actually not at all notice of them charging myself as a paying consumer the charges in my escrow account. Again, I was advised by Bogman , Inc via phone that my escrow account only included taxes. 
I am aware that XXXX has implemented procedures on XXXX XXXX, XXXX for clarity and changes of settlement procedures for the consumers who have suffered from damages & losses that which servicers violated the revised requirements in providing detailed disclosures & also adequate information when questioned via phone. I believe Bogman , Inc has allegedly performed such illegal act upon myself.
My last name was changed by Equifax. I do n't know how this happened. 

I 'm again attaching a copy of my driver 's license and additional proof. My last name is XXXX. 

They state XXXX changed my last name. How is this possible? This would be fraudulent.
I have paid this company {$5000.00} on XX/XX/XXXX of XXXX. They claimed they have reported to the credit bureaus, but my credit has taken a hit & it still shows that I owe them money till this day. I have spoken to them today, XX/XX/XXXX of XXXX, to just get told that I have to file a dispute the credit bureaus & they cant do nothing else to help me, saying that they supposedly reported it already to the bureaus. But its been well over 120 days since my payment & instead my credit has gotten worse since then. They also have stated to me that they will contact the collection agency they hired & notify them that I have settled the account, but that remains untrue. The collection agency still shows up on my credit stating that I owe them money & that they havent received any notification from the bank I paid off. Which tells me that the bank is lying to me & has been continuously hurting my credit.
XXXX XXXX/XXXX/2016 Complaint Department Wells Fargo Home Mortgage Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CREDITOR SETTLED on XXXX, is inaccurate because it shows a date of XXXX where it was a closed case in XXXX. I am requesting that the item be removed to correct the information as a short-sale not a foreclosure that was settled on XXXX. 
Enclosed are copies of enclosed documentation, supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 
This information is also simultaneously being filed a complaint with XXXX. 
XXXX Sincerely, Your name
I have made several attempts to get resolution since XXXX to current. No matter what the companies name was at the time XXXX XXXX, XXXX XXXX XXXX, Conserve, Ombudsman, etc No avail EVER.
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My wages and Taxes are being garnished, I really do n't understand why both are being taken I have asked that multiple times. I still do n't have an answer to why the last payment arrangement XX/XX/XXXX with Concerve ( ph # XXXX XXXX XXXX XXXX ) that was set up and money was withdrawn from my account ceased.
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XXXX Ombudsman had someone name XXXX XXXX assisting me at one time I was told yes I have a case XXXX had made contact with a supervisor of the collector at the time. I kept writing and requesting a hearing to stop pay/tax garnishments and to also request to only contact me at XXXX XXXX XXXX ONLY. ( never happen ). The alleged hearing was pending and no more information after that. Another garnishment.
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I have made several complaints / request for assistance thru Ombudsman to no avail. I receive a generic letter stating issues were resolved however, they were never properly looked into.
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I contacted Ombudsman on another occasion to request a different investigator whom also did not assist me.
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My Recent attempts was on XX/XX/XXXX. I called XXXX XXXX XXXX I was advised as long as I pay I would receive over {$1100.00} off of my debt. I called XX/XX/XXXX spoke with someone name XXXX ID # XXXX when I asked about the {$1100.00} the line was disconnected. I called about got another XXXX the line was dropped again.
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I have a garnishment which has already caused a financial strain on my household. I can not borrow another {$1.00} from anyone. I am being over charged with these garnishments. I can not afford my household expenses ( food, bills, Car Note ) and everything is behind and past due.
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I have requested my payment be lowered to {$100.00} bi-weekly. I am not getting assistance from anywhere.
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I would like to know whom the regulators are.
When I began working on my credit in XXXX I notice a loan on my XXXX   report from Western Shamrock Corp staring in the amount of {$250.00}. It stated that the account was CLOSED as ofXX/XX/XXXX. When I attempted to receive information regarding the debt the company still has not validate any information. The company is reporting a address of XXXX XXXX XXXX XXXX SC XXXX. This address was removed from my XXXX report because it was not correct and I never resided at this located. As of today XXXX I still have not received validation on this loan. On today however I received notification from XXXX that Wedtern Shamrock reported a closed account to my report in the amount of {$1100.00}!!!!! After looking over the information it is reporting the same closed date of XX/XX/XXXX. My frustration is coming from two places, this debt is not mines and even if it was Im sure its against the law to be wrong different information to different credit bureaus. To confirm any changes I recheck my XXXX account t and it was updated on today as well XX/XX/XXXXstill reporting {$250.00} however today this company has just started reporting to XXXX  as with the amount of {$1100.00}. I would like for this information to be removed ASAP because this company can not validated this debt or confirm it belong to me as well as reporting different information to different credit bureaus. For this company to report to both credit bureaus that this account was closed sinceXX/XX/XXXX no extra fees should be added after that closed date. Please ensure that this information is deleted and reported to all three credit bureaus as inaccurate and removed from all credit reports.
I just called them to pay my account current it is four payments behind. They refused to accept payments beause they began the foreclosure process. This is my primary residence. I was advised that they needed to get reinstatement figures and would get back to me by Tuesday. 

In addition, they have forced insurance on this loan in violation of 12 CFR 1024.37. I have two other loans in which the violarions are so negligent I hired a lawyer to act on my befalf since those also lead to foreclosure actions.
My XXXX year old daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.
They use an automated calling system that states they are calling to collect a debt, and use my full name. The message then says if you are not this person please hang up and do not listen to the message. They repeat my name. Where is the privacy? They also called me at XXXX on a SATURDAY. My name alone should be the biggest indicator that I am or could be XXXX and it's the XXXX. If they are truly calling for me, for a debt I owe, than regardless of my phone number, they should know I live on the west coast.
I posted a guitar selling post on XXXX about two weeks ago. A buyer who claimed himself to be XXXX XXXX emailed me on XX/XX/2018, saying that he would buy it and asked if I would take cheque. I agreed. He then emailed me a XXXX tracking number saying that this contained the check, which his secretary mistakenly wrote {$1400.00}, instead of the {$200.00} I originally asked for for my guitar. He said that this was a mistake and asked me to send the difference ( {$1200.00} ) to his mover, XXXX XXXX, who will pick up the guitar. He also told me to send this money through XXXX, which was the office money transfer service of a bunch of banks such as my bank, Bank of America. I sent out the {$1200.00} after I cashed the {$1400.00} check on Tuesday, XX/XX/2018. The next day ( XX/XX/2018 ), I found out that the check was returned. So I lost {$1200.00}. The check that XXXX XXXX sent me originally has the company name of XXXX XXXX XXXX on it. 

I would also like to complain about Bank America for the following reasons : 1. Letting people use the check money before they are cleared. On the online banking on the BoA app, there is also no place that indicated that the check was not clear. It just says that the money is available. This is misleading as it does not mention any risk involved with a returned check. 
2. Letting XXXX transfer be a lot of U.S. banks ' money transferring service and claiming that it is " secure '' is totally wrong. XXXX transfer is not secure because it does not offer any protection at all, unlike credit card frauds. Instead, BoA should hold the XXXX Transfer in place for a few days until no party create a dispute.
I purchased a vehicle with capital one on XX/XX/2016 and later on XX/XX/2016 my vehicle was totalled. Since then capital one has received payment from my auto insurance company and my gap insurance company totalling approximately {$22000.00}. And leaving a remaining balance of about {$1800.00}. I no longer have this vehicle and has since purchased another vehicle with another company. The vehicle itself was sold at about {$16000.00} after rebates and the rest was interest making the total loan balance about $ 24k. They have continued to call and email me trying to collect " interest '' on a car I no longer have the ability to drive. I do n't believe what they 're doing is fair or ethical. I spoke with several reps and explained to them that I do n't have the financial means to pay that remaining balance in full or in payments. I am a 9-5 worker living check to check. At this point it has become very stressful. They have received approximately 94 % of the total amount due. I suggested that they consider that amount that they 've received as a settlement or paid in full loan and they refused. I do n't think it 's right for them to be pressuring me about paying " interest '' on a total loss vehicle and threatening to charge it off on my credit report when I made all my payments on time when the vehicle was operable. Please help me in this matter.
This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.
Franklin Collection Service XX/XX/2014 Contacted Franklin Collection to ask them how do i owe this bill was never given a reason as to how i owe this balance
I 'm writing because I have an issue with Chase credit card. I recently transferred a balance from one of my high interest credit card to Chase for a low introductory 0 % rate. My goal is to set-up monthly payments so that I can pay-off the balance before the introductory period ends. However, Chase only gives the option to pay the minimum balance or payoff the balance. They do not give the option of inputting a set amount that I would like to pay on a monthly basis. The problem is the minimum balance is always " XXXX '' and I 'm clearly not in a position to totally pay off the balance ; which Chase is aware off because I would not have transferred the balance. 
I believe this is fraud, and clear intentions to not have the credit pay-off before the introductory rate being offer expires. 
Just to note, I have the option of a set amount for all of my other credit cards. This seems to be only a practice of Chase. 
Please advise.. 
Thank you for your time.
Insurance companies and some banks including Time Shares, WILL NOT issue a receipt of payment, they required us to sign up for automatic payments, but will not notify us with a receipt of payment when the withdraw a payment. They will give us an option to go paperless but will not give us the option to receive a receipt of payment with a confirmation. Some of my check / credit card accounts are 3 to 6 weeks before I see the withdrawal.
Previous complaint # XXXX was filed, but apparently you have no record of this company. The amount they are attempting to collect is {$120.00}. {$70.00} of this claim was resolved by XXXX XXXX dispute resolution. The other is apparently a {$50.00} paperwork fee of some sort? No product of any type was ever furnished and the on line agreement was canceled using their pre printed cancellation form within 7 days of an on online enrollment form. The purpose of this company is to supply high priced prescription medications not covered by XXXX XXXX XXXX or insurance. They never furnished any meds to me. I do have the XXXX resolution documents, but for whatever reason I ca n't upload them -- -- jpg?
I am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, XXXX  and Experian are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
on XX/XX/2014 a sales rep by the name of XXXX from XXXX XXXX came to my address at XXXX XXXX XXXX XXXX XXXX AZ offering cheaper cost of electricity if we went XXXX.I agreed, but i was never told that I would be purchasing this solar panels the rep said it would be a lease. turns out the the Solar Panels where installed on my roof but the have never worked not even one day. the company ( Sun Trust Bank/ XXXX XXXX XXXX ) i even paid them a total of 14 months a pyment of {$110.00} every month till i felt this was really wrong.they still been harassing me sending me dept collection letters, they did big damage to my credit, Ii had called the sales rep XXXX on XX/XX/2014 to complain, he had told me that the Solar panels where going to be removed and I would be cleared its been 4 years and the issue continues. I even tried to refinance my home but I couldn't due to the collections I have with burro. I really need help to get this dept of my back im getting charge for something I never had. 
ps : the last four of my social sec # XXXX computer keeps changing it
JP Morgan Chase and XXXX XXXX in the Executive Offices are being uncooperative and refusing to provide me with the names of everyone who has ever looked into my account, who their supervisor was/is, and who the regional manager was/is. 
Why these employees looked into my account, the dates they looked into my account, and who the regional manager was/is for those people. This is my account and I have every right to know who has been searching my personal/private financial account records. 
XXXX XXXX will not return my phone calls.
XXXX XXXX XXXX - Claiming to be collection on behalf of Citibank. Citibank has not communicated with me - turned over to collections and I am now dealing with XXXX XXXX XXXX. Refuses to send me information about their company. Has asked where I work, my other bills, and has asked me for my Social Security number. Threatened to sue me, repossess my car if I ca n't come up with a settlement payment. Not willing to work with me, and keeps asking for my bank account information along with my social security number. I am now afraid this is fraud, and my identity will be stolen. I am not sure what to do at this point. I am scared.
I had a new car lease in XXXX with Mercedes Benz Financial Services ( MBFS ). When I picked up the car, I made a payment, for what I thought was for XXXX - XXXX XXXX. During that period I was encouraged to go " paperless '' and make my payment online. I opted to do this. I made my payment for XXXX XXXX - XXXX XXXX ( when I traded the car in ) on time via their online payment system. When we turned it in in XXXX XXXX, I was told that I owed XXXX more payment, and I made that payment. I was told at the dealership that we were paid in full. In XXXX XXXX, I received a call from the MBFS that I still owed one additional payment, and XXXX of accrued late charges. At that time, I asked for the details regarding what I owed, and I was told that they switched systems, and that they would get back to me with the details. In XXXX XXXX, MBFS called me and said the same thing. I asked them to check their notes, since I never received the information I requested. Then, on XXXX XXXX, XXXX, I had a conversation with XXXX at MBFS. She said that she was going to send out the details I requested. After talking with XXXX, I was satisfied that a deferred lease payment was due. At that time, I offered to pay it over the phone with a debit card. However, I told XXXX that the late charges were still in dispute, since I did not receive the details I requested. XXXX did not want to take the payment at that time, she was going to get the details and call me back. I never heard back from XXXX. My wife and I started to receive calls from a collection agency XXXX regarding this debt. MBFS is willing to reduce the amount of late charges only if we accept a settlement, which will be reported. Since I did not receive notification of this late, which was accrued for 26 months out of the 36 months of on-time payments, I do not feel that I should be obligated to pay it. I have paid the late charges in full in order to stop the collection and negative effects to my credit, even though I do not believe I owed them. I would like to get refund.
XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including Capital One. 

XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including Capital One. 

~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT Capital One. Several follow up calls later and they still would not resolve this issue in my favor. 

XX/XX/XXXX : Capital One sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX and XXXX PA ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. 

XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. 

XX/XX/XXXX : I received another letter saying they had contacted Capital One and they have verified the debt as legitimate. 


Capital One is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.