WillisBack/dataset-financial-user-claim huggingface dataset:
As a sole proprietor we took advantage of what seemed a great offer mailed to use via Capital One Spark Business card. The problems began almost immediately. Upon trying to even activate the card, I was forwarded to the fraud department. 

Over the course of using the card for the first three weeks, we encountered XXXX other false fraud warnings. ( XXXX on my personal Capital One card too ) We 've spent numerous hours on the phone verifying info, only to find out that for some reason they had n't activated the card properly from their end. It finally got to the point where it seemed Capital One was accusing us of fraud, so we retained counsel who now conference calls in with each new false fraud warning. 

I 've never experienced anything like this - they seem anti-customer, accusatory and are unable to articulate any of the reasons any fraud alerts were triggered. Something is fishy with Capital One - I highly recommend avoiding it. We have a legal team now looking at what our options are. We will be compensated for our time and for dealing with what at best is harassing, and at worst is accusatory insinuations of customer fraud. After researching others .... MANY others ... have this same problem the CFPB and/or FTC needs to do something about Capital One. An investigation?
I called NAvient the other day to try and discuss my payment situation.i was on the phone with them, then the account specialists transfer me to another person, and come to find out that my account was in collections, and the person couldnt do anything. The person told me if i had the money of XXXX then i could pay it and get it out of debt status if not i had to wait. Then the person had told call back within two weeks to see who my debt collector is.
Company continues to call me throughout the entire day from different numbers. I have asked them to stop previously through the CFPB and they have not.
Doctor 's office was given XXXX insurance information before being seen. Secretary too medical card, made copy and still presented me with a bill. Bill has now gone to collections and is on my credit report. Bill should have been paid in full by XXXX.
The company is Midland Credit Management but on caller ID it shows up as XXXX XXXX ( XXXX ) and they will call up to XXXX times a day every day but when I answer there is no one there and they just hang up. Also they will never leave a message on my machine. I am XXXX XXXX and all these calls constantly at all hours of the day and night are aggravating my injuries and causing undo stress.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My banking accounts have been garnished 4 times on an account that was closed on XX/XX/XXXX and has exceeded the statue of limitations for the state of Colorado. I have made no payments to this debt collection agency willingly and they persist to collect on this outdated account. I would be glad to set up an arrangement directly with XXXX, but wish to have all communication and debt collecting to cease from XXXX XXXX XXXX # XXXX, Fenton & McGarvey Law Firm, P.S.C., XXXX XXXX XXXX XXXX, XXXX, KY. XXXX. Ph # XXXX.
Per the companies arbitration clause they should not have sold any debt to XXXX  or resurgent capital and any reporting of it is a violation of the FCRA. They breached a contract.
XXXX/XXXX/XXXX I finally called the XXXX Collector in what the constant phone calls where about not only to my phone but my parents work and etc. What I finally came to light was Navient put one of my loans in default and was sent to a collection agency. The sad part about it was that Navient did not notify me, no letter, or phone stating that they were going to do so. I am already on a specific payment plan with them and have but all federal accounts into forbearance. So for them to not state that this has happened through me for a great loop because since I was no longer under XXXX XXXX I thought finally Navient would be better to work with and help out ... WRONG was. Now I am dealing with a settlement which is still outrageously high and finding out why i was never informed of this particular loan going into collection
On XX/XX/2018 I contacted Portfolio Recovery Assoc. via mail regarding an incorrect debt that I seen in my credit file. The debt does not belong to me and when asked for the company to validate or delete the account they did not do so. Instead they sent a statement that had no indication that it was a debt I owe. I then sent a second letter to inform the company that the information they sent was not sufficient by law and the company sent a second letter saying the investigation is closed and no further response will be given. The debt that Portfolio Recovery Assoc is claiming is mine is false and I would like this account removed from my credit file please.
The following Creditors XXXX XXXX XXXX, Discover and XXXX XXXX have " charged off '' my debt to the IRS ( not to be confused with discharged due to bankruptcy ) they are listed on my attached credit report line item # 3 XXXX  ) line item # 8 Discover ) and line item # 13 XXXX XXXX. I have attached the bankruptcy documents signed by Judge XXXX. Since these creditors had already charged off the debt prior to the settlement, these funds forwarded to the banks by the trustee need to be returned to the estate in full and closed out. The addresses and contact information are included on my attached correspondence. Thanks you in advance for your help with this situation. regards, XXXX
Each month Navient charges me a late fee and my statement clearly shows I paid on time. I've asked for the Navient 's representative to to explain and help me figure out why. Each month I or my wife call and explained the issue. Navient respond by saying it's a glitch in their system. Or they put me on whole for up to 30 minutes which forces me to call back and and start the process over again. In addition, I've applied for Niavent forgiving loan based on me working for a non profit for well over 10 and when I followed up I didn't get much of a explanation from the rep Navient ... ... .Sorry you just don't qualify. Their custom service is awful.
The reason for this complaint is that i believe that the amount allocated to the principal vs. the interest on this XXXX college loan is incorrect, and that i was unable to obtain a comprehensive and reasonable response from the eight calls made to FedLoan. 
As support for my daughter to attend college ( XXXX XXXX XXXX University ) i obtained XXXX Direct Loans PLUS from XXXX to XXXX totaling {$54000.00}, these were Standard loans at a fixed 7.9 % interest. The loans were transferred to FedLoans in XXXX XXXX. I made all due payments, was never late, in the amount of {$34000.00} until XXXX XXXX, and still owed {$51000.00}. I finally took a loan with XXXX in XXXX XXXX and paid FedLoan in full ( {$51000.00} ). 
I placed 8 calls to FedLoan since XXXX XXXX disputing the balance and requesting a full audit. Instead I only received partial history. Nonetheless from the little information received, it showed very irregular and practically inexistant allocations ( only XXXX small amounts allocated in 24 months in XXXX report ) made to the principal, which seems to indicate that the accounting is incorrect. How can i make payments of nearly {$35000.00} in 8 years showing less than {$3000.00} being allocated to the principal? None of the original loan documents stated such allocation. 
I believe that their accounting is inaccurate and that more should have been allocated to the principal. Therefore I wish to place a formal complaint to request a full audit, in order to verify and validate that the FedLoan accounting is in compliance with the original loan terms, and/or in compliance with federal regulations. If, as i suspect, the allocation made to the principal was insufficient, i request that i be reimbursed accordingly.
I defaulted on my loan payments due to unfortunate circumstances. There was no option for a forbearance or deferment or even a lower payment option. My loan has now been accelerated and sent to collections. The servicer made no attempt to call or email me to resolve the issue and every time I contact them there is an extremely long wait time and when I opt for the call back feature I never receive any type of call back. I can not afford to pay the entire accelerated amount and am willing to establish a payment schedule with auto repayment from my bank account.
I am disputing the answer from Wells Fargo under the following reason : On XXXX XXXX, XXXX in a settlement with California 's attorney general Wells Fargo agreed to provide loan modifications to all those homeowners who had a pick-a-payment. Therefore, Wells Fargo provided a Home Payment Relief Program '' ( HPRP ). Under this program Well Fargo promised to provide with interest rate reductions, term extensions, tax forgiveness, insurance advances, and principal forgiveness. I, as a homeowner with pick a payment, qualify to a loan modification under Wells Fargo Home Payment Relief Program but Wells Fargo keeps denying it for many years of this right. 
Every time I had apply for a loan modification, they ( WF ) had used my present circumstances to different programs but not the one under the HPRP which to my knowledge, it is a legal process that Wells Fargo had agreed to comply with under the settlement already mentioned. As an example of Wells Fargo tactics not to comply with the settlement, other than mine, there was a litigation on XX/XX/XXXX where WF was found not in compliance with the settlement of XX/XX/XXXX ( U.S. District Court in XXXX District of California No XXXX ). The point here is that Wells Fargo just keeps avoiding their responsibility to help homeowners with changing the pick a payment loans by providing a loan modification under different guidelines. 
I have tried to work this issue with Wells Fargo repeatedly month after month for years but they had kept playing " smart ' by using the regular guidelines and not the one it is suitable for my situation. Wells Fargo has fall short on their responsibility and I strongly believe they have to grant me a loan modification under their Home Payment Relief Program for pick a payment loans. For this reason, I had summited this formal complaint with you the Consume Federal Protection Bureau ( CFPB ) hoping to have a result favorable to my case at the end. 
I really appreciate your consideration in this matter and hope to hear from you soon. 

Regards, XXXX XXXX XXXX
Since XXXX 2013 when Specialized Loan Services was assigned as Service Provider for my loan, they have refused to send me monthly statements, respond to my written requests ( and via multiple phone calls ) for explanation of misc charges applied to my account. They will not tell me where the overage of {$520.00} in payments I made went to ( was not applied to principal or put in escrow ) and they continue to raise my mortage payment.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid
-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers
From the very first time the collection agency IQ Data International contacted my, they were very rude when talking to me. They talk down to me, constantly tell me " It 's not our fault that you did n't pay your rent, learn to pay your bills '', and say other demeaning things. They eventually stopped making contact after I continuously hung up on them when I realized who was calling and eventually stopped answering the calls. However, in an effort to clean up my credit, I have reached out to IQ Data this year in order to set up some type of payment arrangement and I was told " this is not customer service and I do n't have to be nice to you '', they never let me complete a sentence, they talk over you constantly. When I finally got them to offer something, they told me I had to pay {$800.00} and then the rest would come out of my taxes. After telling them that I ca n't afford that because I only make $ XXXX/year, I was told that 's not their problem and I need to call back when I have some money to pay. They stated that they will not work with me on making affordable payments. I do n't understand how I am supposed to pay this debt with such rude people handling the debt. Please help me!
XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
XXXX credit reporting agency is reporting 2 accounts that has been verified to be deleted from my report. I am uploading proof from XXXX credit reporting agency that the results of the investigation is the items were deleted. XXXX should be receiving the same instructions to delete. However they just keep reporting it.
Got a letter on in   XXXX   XXXX   XXXX     from a bill collector by  Midland Credit Management stating that I owed  XXXX  back in1 XX/XX/XXXX  which they could not verify. When I asked to by whom they could  n't give me and exact person of who I owed the debt too or for what for. Also what was odd that if I did my husbands name was n't even included in this which is odd cause if for any huge amount  XXXX  as that they would have my husbands information also which they did n't they just stated it was just my  name.They the n asked me if I had been a victim of identy theft in the past which I was but do not know how they came about that information but they said that they would investigate which I did n't ask them to do. After getting off the phone with the customer reprensentative I looked into this company with the better business bureau and saw numerous complaints filed again this company about false claims and they also had a lawsuit that was filed against them.
Hello, I have paid off my loan with XXXX, but currently, have a negative balance on my loan. My balance shows as - {$44.00}, which would mean that I should receive a refund in that amount. Upon noticing this at the end of XXXX, I used the internal email mechanism to contact my loan provider. I received an automated response, but have not, as of yet, been given a response to my inquiry, nor a refund in that amount. I am attaching a screenshot of my balance, as well as the confirmation of my email and the automated response received in return. <P/>Thank you. <P/>Regards, XXXX XXXX
I have been disputing these debts to the collection agencies and the credit bureaus advising that this one apartment they are collection on was obtained do to identity theft. I have provided police reports a letter of identity affidavits explaining these are not my debts. I have never stayed at this location or allowed anyone to use my information. XXXX XXXX XXXX, ( XXXX XXXX XXXX ) Acct # XXXX & Pro Collect ( XXXX XXXX XXXX ) Acct # XXXX. XXXX XXXXt XXXX is collecting the debt for {$1700.00} Pro Collect is collecting for {$1700.00}. PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. Please have them provide the application on file for this debt to where CFPB will see that these two agencies are collecting for XXXX at XXXX XXXX and XXXX at XXXX XXXX these are the same apartment complex the name changed from XXXX to XXXX at XXXX. The address for this complex is XXXX XXXX XXXX XXXX, XXXX, FL XXXX phone number XXXX. The Florida law indicate only one agency can collect on a debt this is double jeopardy for 2 agencies to collect for this same debt. I spoke to the credit bureaus and they said since the agencies have 2 different account numbers it shows as if they are collecting on different debts when in actuality it 's the same debt they are 2 agencies different entities that are not the same company however tied into the same debt. I am requesting that these agencies remove this false information off my credit or at least one agencies is required to stop collecting this debt.
On XX/XX/XXXX at XXXX XXXX I received an email from XXXX XXXX. XXXX XXXX informed me that my Wells Fargo Credit Card account has been closed. So, on XX/XX/XXXX at XXXXXXXX XXXX and XXXX XXXX I called Wells Fargo Credit card Department at XXXX to get some information on why wasn't I notified through them in write, email or a phone call to let me that my credit card account we being closed my their company. One person didn't give me a explanation on why the didn't notify me and the other person when I called back to make arrangements and to see if the account would open back up this person told me the account was closed for good and they're going to add late fees and inerest on the closed and account. When I asked her why would the keep add of those fee 's when their are then one who closed my account she told me that's their policy.
Equifax continues to report a tradeline for the collection agency, XXXX XXXX in spite of the fact that the account can not be verified. I contacted XXXX XXXX directly and they informed me that they did not have any accounts associated with my social security number. I subsequently disputed the account with Equifax, XXXX and XXXX. In response to my dispute, XXXX and XXXX removed the account from my report, but Equifax has continued to report it.
On Thursday XXXX XXXX, 2016 at XXXX XXXX, while working XXXX my boss sent me a text message stating that she needed to discuss a matter concerning my finances from a banking institution that intertwined with a client of mine. When I returned to the office, from my break, I received a phone call from my client stating that a letter from Navy Federal Credit Union was address to me with his address on it. I asked the client to come to the office immediately and when the client got to the office he showed me the letter, which did in fact have my name with his address. The letter contained my personal loan information, such as the loan number, the dollar amount of the loan, and a pay off amount to clear the loan. This letter was sent by Recovery Specialist XXXX XXXX with Navy Federal. I called the Navy Federal number XXXX and spoke to a representative and told her what was going on and she told me to call back the following morning to talk with the Supervisory Recovery Specialist. I called back the next morning and spoke to a Supervisor Recovery Specialist XXXX XXXX XXXX XXXX. She told me that she was advised by her supervisor not to discuss this matter with me. I asked to be transferred to another supervisor and was transferred to a supervisor with the last name XXXX. This person told me that Navy Federal did n't do anything wrong and would not tell me how she got my client 's address or how my client 's address was linked to my account. When I requested to speak to her supervisor she refused to put me in contact with her supervisor and hung up on me. My employment with the XXXX was terminated seven days after they were notified of the letter.
My Personal information has been stolen. I am a victim of the XXXX 2017 Equifax hack
My ex husband opened an account up in my name and charged it up prior to moving out when our divorce was finalized. I am not responsible for this debt at all. I have been fighting with this for years now, and I want it gone and off my credit report now.
Flagstar Bank is charging me for late fees that I have not incurred. I have called the bank multiple times but they have not resolved the issue and now they are threatening me with reporting me to the Credit Bureaus. My credit score in the XXXX 's because I have never defaulted on any loan. 
I have paid my Flagstar Mortgage payment on time before the XXXX of each month since XX/XX/XXXX without falf every single month in advance to this date. 
The problem seems to be that on XX/XX/XXXX they charged my account {$6200.00} for " insurance '' this was an incorrect charge since I had secured XXXX XXXX XXXX on my own as stipulated. It took many long phone calls before they wrote off the bogus charge. Then for no reason at all they sent me a check for {$1300.00} XXXX new this was either an error or a scam and I did not cash the check. I spoke on the phone with XXXX of their agents who identified himself as XXXX and I asked him to place a stop payment on the check. As a result of this book keeping changes they decided that my payment checks were 1 month late instead of being a payment in advance as they are and now they are charging me late payment fees that I do not owe. My mortgage payments to Flagstar Bank have always been made automatically form my XXXX XXXX Bank account and always on time and I have the records to prove it.
PORTFOLIO RECOVERY Complaint Department XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I am writing to dispute the following information that your company provided to XXXX XXXX. 
The item Reported is a Collection/Charge Off in the amount of {$370.00}. This item is being disputed as an incomplete and inaccurate amount because I do not owe this company {$370.00}. 
PORTFOLIO RECOVERY has reported on my credit report that there is No Reported account type, No Reported date of last payment, No Reported amount past due, No Reported Monthly Payment, A " Highest Balance '' of : {$180.00}, an Available Credit Limit of : {$300.00} and a Credit Used at : 0 %. 
The amount of {$370.00} is incorrect, inaccurate, and incomplete on this account. 

The Date of this account says closed on XX/XX/2012. 
I have no record of owing the amount {$370.00} to this company. I am requesting that PORTFOLIO RECOVERY have the item removed to correct the information. 

I would also like to request that PORTFOLIO RECOVERY stop calling me and harassing me about this debt. Please reinvestigate this this matter and contact the national credit reporting companies to which you provided this information to have them correct and delete the disputed item as soon as possible.
I had a payment with due date XX/XX/2017. 
I paid the amount on XX/XX/2017. 
I received two letters : 1 ) A payment was not made on XX/XX/2017, and that I was past due 2 ) A second payment is due on XX/XX/2017, despite my repayment plan be QUARTERLY. 
I tried paying the XX/XX/2017 payment on XX/XX/2017, and their website was down ( as usual ). 
I would ATTEMPT paying earlier if they posted the payments earlier. I was n't able to reach Heartland ECSI on XX/XX/2017, and on XX/XX/2017 it was Saturday and they were closed. 

I previously filed a complaint against Heartland ECSI for their " convenience fee '' of 5 % when making online payments. That is, when the online payment system actually works. It is down 75 % of the time. I 'm curious this is some kind of retaliatory tactic.