WillisBack/dataset-financial-user-claim huggingface dataset:
Ive been a customer with Capital One since XX/XX/XXXX. I started out with a secured account and was offered an unsecured account. I got the XXXX account and within six months my limit was increased due to good payment history. In XXXX, I had identity fraud on my checking account with XXXX XXXX and it was restricted by them after my payment was scheduled, so XXXX XXXX blocked all incoming and outgoing transactions. Capital One tried twice to pull my money out of my account, but XXXX XXXX rejected the transaction twice so Capital One restricted my account and closed it. 
I decided to open a Capital One 360 checking account with a balance of {$250.00} and figured that would be easiest to make payments from this account. The account info provided by the representative on the phone with the 360 department was incorrect. They provided me with my savings account number instead of checking, and thats the information I used to make a payment with Capital One. The payment was returned and Capital One didnt notify me again. I called in to let them know it was a mistake and showed them my positive balance in that account, again to a representative who didnt care to hear more. I then uploaded secure documents to the online portal for them to do an investigation to determine if my account can be reopened. 


This is after years of exceptional payment history and no returned payments. I provided Capital One with proof from XXXX XXXX that it was their error, and a bank statement showing my account balance that was sufficient enough to cover the payment, but XXXX XXXX restriction is the cause of this. Capital One didnt give me a chance to make the payment again, didnt alert me that my account was closed and theyre making me jump through hoops to see if my account can be reopened. Theyre telling me that theres no guarantee my account will be reopened even though I had no control over this situation. Their fraud department is a joke and they dont advocate for the customer. Im disappointed because Im XXXX and this will mess up my credit rating, as well as cause me to move to another company if my account is not reopened.
These student loan accounts have been transferred multiple times and is duplicated reporting on my credit profile. I was never late and was on an approved deferment during the time it states account was late. Accounts need to be shown as paid as agreed and never late. In addition, I believe the company purposely swayed me not to repay and declined all forbearances and more than doubled the amount owed making it almost impossible to repay. It appears as though this company used unethical practices when offering repayment options.
Equifax refuses to correct information on my credit report. My name, XXXX XXXX XXXX, the name they have is incorrect, a collection account, XXXX XXXX XXXX, is not mine. The other collection, XXXX XXXX has been paid. I can not get onto their website, as it tells me that the verification information I submitted is incorrect, because the information they have is incorrect. I have literally spent hours on the phone with them, and each time starts another 30 day stall and they never correct it. There is a 130 point difference between reporting agencies because they refuse to correct this erroneous information.
I spoke with XXXX from their office regarding Acct # XXXX - {$230.00}. I paid the bill in full confirmation # XXXX on XXXX XXXX, 2016 and XXXX agreed to have the account status be updated immediately with an account deletion from my credit report. Account is still listed as open and unpaid on my credit profile. I have contacted them numerous times via calls and email and letters.
XXXXMetaBank has yet to post direct Deposit from my employer. This has been happening to several people and everyone is getting different answers and a run around as to when they are getting their money.
Equifax in violation of my cra showing a late payment never late with XXXX trans has fixed it but Equifax has not
Transunion is telling me that I was not affected by the computer glitch XX/XX/XXXX. So they are unable to remove the inquiries that were not there on my report previously. In addition to employees of transunion giving false names, not letting me speak to someone in position of higher authority, putting me on hold and not coming back to the line, and terminating my call. The inquiries have been deleted and reinserted numerous times XX/XX/XXXX. I did n't break the law, THEY did and they refuse to take care of the matter
My complaint is about ARS- Account Resolution, XXXX, amount {$800.00} they are reporting two different debts with two different dates that has not been validated. I never received validation on this debt, not verification. This was actually removed off my Credit. Report last year and placed back own my credit report which is illegal. I will be contacting the FDCPA is this is not removed from my credit report. It was proven that they could not validate the date and was removed.
I did apply for a payday loan. When I asked for the repayment amount I was told it can only be determined after I accepted the loan. This occurred at rapid cash in XXXX XXXX Nevada. On XXXX XXXX and XXXX. The loan officer refused to give me proper information of the loan prior to me taking out the loan.
We refinanced a mortgage through Bank of America to get my ex-husband off the mortgage and put my new husband on the new mortgage. The old mortgage had a loan modification processed by Bank of America and guaranteed through HUD. Before we went ahead with the loan refinance, we asked if the loan modification would be an issue. We were reassured that it would n't be. The refinance was completed in XX/XX/XXXX. On XX/XX/XXXX, we received a letter from HUD stating that BOA never sent payment for the loan modification and there was an outstanding balance of {$80000.00} due immediately. BOA claims they did n't find the subordinate lien ( even though it was done through their institution ) and therefore it was not their fault it was not paid. We are now unable to pay this debt. We are in danger of losing our house because of BOA 's fraudulent practices.
On Thursday  XXXX   XXXX ,  2017  @  XXXX   XXXX  I spoke to a representative o f Majestic Financial  and I was told that my payment scheduled for  XXXX   XXXX ,  2017  would pay off my balance on my account. I requested all communication be in wrting and to cease & desist all phone calls in an email that the supervisor had given me if I wanted to dispute the debt. I sent the email as instructed on  XXXX   XXXX  and I stated I was disputing this debt and i stated that if they feel as though I owe anything, to send me a letter in writing with my pay off balance. I received a phone call from their call center the following day,  XXXX   XXXX  @  XXXX  and I can provode cipies of my phone redords if needed. I also received a letter with no balance and threatening to take action against me if I do n't pay my balance. Under the Fdcpa, if a consumer disputes the debt, my understanding is the creditor has to send validation of debt and the balance owed. I requested this in writing within 14 days as instructed and have yet to receive anything outside of this letter
Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that Sallie Mae reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that Sallie Mae place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under Sallie Mae all in and around XX/XX/XXXX through when the name change to Navinet XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. Sallie Mae is listed 9 times 1. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. Sallie Mae opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  Sallie Mae opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Sallie Mae opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6.  Sallie Mae opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. Sallie Mae opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9.  Sallie Mae opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to Navinet and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with Experian. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.
On XXXX XXXX, XXXX, I was only approved for only {$1000.00} limit BofA Credit Card BECAUSE BofA said in writing I still had a {$50000.00} open line of credit with the firm! 

the bank stated the personal commercial line of credit for {$50000.00} was still open at prime plus XXXX pts and i was welcome to use it. When I tried to use it, I was told it was too old to use anymore and that I had to request it be closed and to ask for a new one that meets current BofA loan guidelines. So I did. but, no one has updated my credit reports to show it was closed, never late and paid as agreed. 

I have spent the past five months haggling with BofA mortgage dept to close the commercial line of credit and update my credit report it was paid in full & never late to no avail. That is a FCRA requirement! it has been open since XXXX and never closed by BofA due to negligence! 

I also asked them to terminate my personal Guarantee as well. I received a letter XXXX XXXX, XXXX that the loan was finally closed and my guarantee was terminated and that the credit report would be updated as paid as agreed, never late and closed. THAT NEVER HAPPENED! 

BofA archives Dept, Credit Card Dept, Commercial Mortgage Dept and Executive Resolution Dept each apologized for the FIVE month mixup until today. 

In a letter XXXX XXXX, XXXX, Pa A Mortgage some Resolution Specialist threatened to sue me if I contacted the bank again. I consider this an FDCPA violation and an FCRA violation and I want CFPB to order BofA to update the XXXX major Credit Reporting agencies I paid my bill off as agreed, never late and it is now closed! 

ALL I WANT IS MY CREDIT REPORT UPDATED THAT THE LOAN WAS PAID OFF AS AGREED, NEVER LATE AND CLOSED XXXX XXXX AND THAT I AM NO LONGER LIABLE!
On XX/XX/XXXX I made a {$5000.00} mobile check deposit into my Santander Bank checking account drawn on another account I had with XXXX XXXX. Later that day I received a notice from Santander indicating that the funds from that deposit would not be available until the second business day after confirming receipt of the deposit, or in some cases, no later than the sixth business day after the deposit. This is all in accordance with the Santander Funds Availability Policy. On the next business day, XX/XX/XXXX I confirmed through XXXX XXXX  that the check had been debited from my XXXX XXXX account and the funds were debited on XX/XX/XXXX. On XX/XX/XXXX I received a notice in the mail from Santander Bank ( dated XX/XX/XXXX ) indicating that they were delaying the availability of {$4800.00} of the deposit since they were unable to verify funds for the deposit. Since XX/XX/XXXX, I have incurred {$70.00} of insufficient fund fees since the funds that Santander received on XX/XX/XXXX were not credited to my checking. When I contacted Santander customer service they explained to me that the funds for the check were being verified and that the funds would not be available until the end of the day on XX/XX/XXXX. These funds were finally made available to me late in the day on XX/XX/XXXX. 

I believe that Santander Bank is in violation of Regulations CC which defines the requirements for a bank to make availability of funds to its customers. I feel that the Santander Bank Funds availability policy is in violation of Regulation CC for the following reasons : 1. Section 229.12 of the regulation states that a bank shall make the funds drawn on a local check available to a consumer not later than the second business day following the banking day on which the funds are deposited. Since the funds were debited from the XXXX XXXX  account on XX/XX/XXXX it is apparent that Santander was in receipt of the funds for the deposit for which they did not make available to me.

2. Section 229.13 of the regulation does provide a bank to extend the availability of funds based on certain criteria defined within the regulation. The notice provided to me did not state one of the permitted exceptions, it just stated unable to verify funds. This is not consistent with the fact that the funds from the XXXX XXXX account were debited on 5 days prior to the funds being made available. 

It is apparent to me that Santander Bank has developed their funds availability policy to accommodate their inefficient operational processes and profit from putting an extended on their customers funds.
I went to XXXX and tried to get all XXXX of my reports with Equifax , XXXX and XXXX and could not access them. I need all XXXX of these reports ASAP.. There is no number to call to reach a live person.
I recently acquired an new credit report from Transunion and came across several credit inquiries not authorized by myself. Initially, I thought I had a fraud alert on my account. I'm guessing that with a fraud alert, Transunion still openly shares credit files with any and all people. THIS IS KINDA JACKED UP. I have not applied for credit in over 2 years. Explain how these inquiries are on my report.
University XXXX XXXX reported a charge to the credit bureaus but failed to send signed contacts and documentation when i requested it. They school emailed me a statement validating that i was once a student there however they did not validate the right to report the debt and a signed contract was not sent. I have paid in full invoices from the school in my records.
Wells Fargo Home Mortgage escrow did not pay our XXXX XXXX property Tax payment on time. The property taxes were do in XX/XX/XXXX and they did not make payment until they were delinquent in XX/XX/XXXX. This resulted in a loss of income tax savings that we would have benefitted from if had they paid our escrow payment on time. We have contacted XXXX repeatedly over this and have refused to acknowledge their delinquency even though we have evidence of the late payment and a record of penalties they paid to the county for being delinquent.
Hello I applied for Amegy bank amazing cash credit card back in XXXX XXXX  2017 by visiting a branch in Texas ( XXXX XXXX, XXXX ). The bank clerk accepted my paper application and took a photocopy of it. 
However, after 3 weeks, nothing happened with my application and no credit inquiry had been made. Therefore, I decided to withdraw my application because all this process was not professional. 
Anyway, that is not the case of complain. When I took my application back, I discovered that bank employee intentionally altered my application. They changed the type of the product I was applying for by using a sticky tape ans a  small piece of paper. I was not notified about this change. 

I contacted Amegy bank inquiring about this change and I was told that they made me aware of this change when I submitted my application which is not true and I have a witness, who was with me when I applied. Also, if it was true, the application would have been altered another way. We would simply cross the wrong choice and and choose another one and I would put my initials.Moreover, I would simply not applied for another product. 

This indicate that they altered my application without letting me know which violates the Uniform Commercial Code ( U.C.C. ) and fair credit act. 

Taking everything into account I would like CFPB to open a case against Amegy bank. 

Best regards XXXX XXXX
I applied and was granted a Delta Gold Skymiles credit card in XXXX XXXX. It was my understanding if I spent {$3000.00} in the first XXXX months I would be awared XXXX Delta SKy Miles, I proceeded to spend the money. made sacrafices to pay on this card ( I could have been using another reward card ) I checked my balances and paid my bill on time .... but when I called to today because I had not seen my XXXX miles deposited- they said I did not qualify because I had another card in XXXX that was cancelled. 
they said it was in the terms of agreement ... .. who reads them?? that was NEVER mentioned on the flight during the announcements, not one flight attendant mentioned you could not have had another Delta card in the past years ... .. Nothing was mentioned about that term ... .which is pretty significant -- -- they just encouraged you to apply for the card and to the miles ... .. I know it works well, because my daughter also requested a card. I am just very disappointed because they could have automatically put me into a platinum card, so I could have had the same perks ....
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : PUGET SOUND COLLECT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, WA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and PUGET SOUND COLLECT has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. In addition to this, they're reporting that they originally purchased this collection on XX/XX/2013. The statute of limitations starts when a debt FIRST becomes delinquent. Even if the first delinquency of this erroneous debt with the original creditor was on the SAME date that this debt collector purchased the debt, there would only be 9 months left in the statute of limitations. Title 4, Chapter 16 of the Revised Code of Washington ( RCW ) outlines the various statutes of limitations for debt collection in the state. RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. RCW 4.16.080 stipulates that oral contracts have a statute of limitations of 3 years. Thank you for helping me resolve this matter.
It was a loan taken for my daughter to attend XXXX College of XXXX XXXX, in XXXX XXXX, Mn and I co-signed the loan for her. In XXXX my husband and I filed bankruptcy due to a preditory lender situation and this loan was in the the Chapter XXXX filing. United Guaranty owned the loan and filed XXXX claims against us against our Chapter XXXX filing and received payment through our Trustee. United Guaranty had purchased this loan from XXXX XX/XX/XXXX when our Bankruptcy was filed. The Bankruptcy was discharged XX/XX/XXXX. On approximately XXXX/XXXX/XXXX we received letters from XXXX XXXX XXXX and XXXX XXXXstating that they had a debt we owed and it was being sent to collections on a delinquent account we had never received any information or bill on, and had no knowledge of owing. After reviewing our bankruptcy it appears as though they had been paid through the court by claims they had made against us when our bankruptcy was filed. I ( XXXX ) made copies of the claims made and the discharge paperwork and sent it to both XXXX XXXX and XXXX XXXX Firm. XX/XX/XXXX a processor came to our home intending to serve our daughter with papers regarding a judgement against her and we explained the situation to him and that our daughter did not reside with us and we had not had contact with her for seven months. He advised I ( XXXX XXXX ) call the law firm he was representing and explain what I had told him. I did that the next day and was told by XXXX ( representing the law firm ) that they had our lawyers name and he asked me if the name they had was correct which it was and that they would not talk to me they would take care of everything necessary through our lawyer and that was the end of the conversation. I ( XXXX ) made copies of all the documents regarding the claims filed by United, copies of our bankruptcy, and the dismissal document and brought them to the law office of XXXX Law Firm on XXXX XXXX, XXXX again stating that XXXX XXXX does not live here. We have now received documents that there is a motion filed and I must appear in court. To the best of our knowledge they have received their claim amount and the bankruptcy is closed. United Guaranty did not file any further claim when asked by the court to do so before the final discharge was approved. They continue to hassle us and have continually threatened us with judgments and to make false statements regarding our credit to creditors.
I have called Experian for the past 6 days XX/XX/18-XX/XX/18 multiple times per day to cancel my membership. The wait times are 2 hours plus and once you get through the call disconnects. There seems to be no way to cancel my membership unless I cancel my credit card. Cancelling and opening a new credit card reflect negatively on your credit report. This company is supposed to help with your credit but instead hurts it.