WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was charge an erroneous {$500.00} with XXXX on my capital one card and was advised by XXXX to dispute the transaction because XXXX was unable to credit the amount back to my card. During the dispute process I reported XXXX to the FCC about what happened. A guy from XXXX called me about the fcc report and was able to credit my {$500.00} dollars back to my account. Capital one credited my card 2 times and took money back from XXXX leaving me with a {$500.00} balance with XXXX again. Since I got a credit from both sides i went ahead and paid off the new {$500.00} balance since I was not supposed to have gotten two credits, and thought all was well. I get a charge on my capital one on XX/XX/XXXX for a rebill for the original dispute back from XX/XX/XXXX sending back to the money to XXXX, AGAIN. This is the same {$500.00} I had already paid XXXX directly to XXXX back on XX/XX/XXXX. So i call and inquire whats its for and they advised me that it was the original XXXX charge. Not only are they charging me that, but also charging me another {$500.00} to cover a second credit that they mistakenly gave me. So now, instead of owing {$500.00} I owe {$1000.00}! ( I do owe {$500.00} back to capital one for the double credit but not the {$500.00} extra for the rebill back to XXXX. ) I spent 9 hours on XX/XX/XXXX trying to get this resolved with capital one and XXXX. Both companies are pointing fingers at each other and now I'm having to deal with another {$500.00} charge that I've already paid back directly to them.
XXXX XXXX reported my account 30 days late for XX/XX/XXXX to both XXXX and Equifax. My payment was due X/XX/2017 and my account was paid on X/XX/2017, which is NOT 30 days late. X/XX/2017 is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle inXX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
I have a private loan with Wells Fargo that I have paid on time religiously for 4 years. The payment is $ XXXX but I always pay {$200.00}. Over the years I frequently paid well before each month 's due date so that I would not forget. Recently, I received an email that my XXXX, 2016 payment, due on XXXX/XXXX/2016, was past due. This was confusing as I 'd made the XXXX payment on XXXX/XXXX/2016 -- after I paid the XXXX bill on XXXX/XXXX/2016 ( due on XXXX/XXXX/2016 ). I do n't think it is unreasonable to assume that, given my history of early payments, and that my XXXX payment occurred after the XXXX payment and billing cycle, that my XXXX/XXXX/2016 payment was intended for XXXX. 

I called Wells Fargo and was told that any payment made 20 days prior to the due date would be counted as an additional payment, not for the next month due. I should be clear again that I did n't overpay XXXX by {$200.00}. I made a separate payment of the same monthly amount that I always had, frequently very early, with no issue at all. I was told that the XXXX/XXXX/2016 payment could not simply be applied to XXXX but had to be refunded. I was then told that, because I do n't have a Wells Fargo checking account, that my payment would have to be refunded by mail, which would take " a minimum of 3 weeks. '' I was having this conversation with Wells Fargo Customer Service on XXXX/XXXX/2016, 6 days after the XXXX due date. This meant that Wells Fargo 's own process for refunding a payment that should have applied to XXXX would indeed have made me delinquent for the month. Is it fair that a financial institution can structure payments and refunds in such a way that it makes an otherwise responsible and timely customer delinquent on their debts? I raised this question to the Wells Fargo staff who informed me this was " just the way it is. '' To which I responded with skepticism, saying that this new system was probably just an inventive way of generating late fee revenues in a low interest rate environment. The representative said nothing. 

I called Wells Fargo again today, XXXX/XXXX/2016, to ask about the status of the refund. I was told it would be returned in the same manner in which I paid -- electronically to my non Wells Fargo checking account. This is welcome news but in direct contradiction to what I was assured was the only method of refund just 1 business day prior. Even the representative today could n't explain the change ( which had not been pro-actively communicated to me in any way -- as far as I knew I should be watching for a paper check in the mail in 3 weeks time ). Was the initial response on Friday a way to make me open an account with Wells Fargo that I otherwise would n't have? I have no idea but the inconsistency is as unprofessional and unfair as the initial insistence on delayed paper check refund itself. 

This is unacceptable behavior from a financial institution that has a responsibility to treat clients with respect and holds so much power over that individual 's credit history.
In XX/XX/XXXX, I successfully completed a chapter XXXX and was XXXX. After XXXX years of stalling and going round and round with Wells Fargo XXXX late in XX/XX/XXXX, there was finally a workout plan which I accepted. I asked for full disclosure of all obligations that I would incur. Some were provided. Again in XX/XX/XXXX, I repeatedly asked for full disclosure of any and all obligations that would incur as well as a full detail of all forgiveness amounts. What was provided was not what I or my tax adviser requested. Related : Case number : XXXX Now I have received a XXXX showing " other income '' in the amount of {$1300.00}. 
I called. I was told it was a refund of late charges assessed prior to my entering bankruptcy ( in XX/XX/XXXX ) that had been credited to my account -- and never disclosed. 

So now, I have a tax liability that I was n't expecting for income that I do n't know anything about because this was never disclosed. 

First, I asked for a detailed accounting of all amounts that might or would be forgiven in the workout. That detailed accounting was NEVER provided. And now I have 'surprise ' income that I did n't actually receive and was never disclosed. 

Second, 'surprising ' this XXXX year old XXXX with what may turn out to become a problem with my taxes is wrong. 

Third, the representative I spoke with at first wanted to explain what a XXXX was and wanted me to read the teeny-weeny-tiny print on the form. I ca n't. It 's too small for my old eyes even with my bifocals. She also mentioned something about the amount showing on my statement. I do n't know if that 's true or not -- the XXXX point maybe XXXX point print size ( teeny tiny ) on those statements requires I use a magnifying glass to read. Wells Fargo should have sent a proper notification letter, not buried this 'surprise ' in small print XXXX or XXXX point size and waited until AFTER the end of the year to dump this on me. 

Other than filing this complaint to alert the public to their ongoing sneaky practices, there is n't much that can be done about the XXXX. It 's already been sent. The IRS will expect me to pay taxes on it. 

The disclosures and teeny-tiny-fine print are another matter. They are supposed to have clear, readable type and plain language on the forms, statements, and to clearly disclose what the amounts are. They do n't. 

I should not have to ask someone else to read my statements or buy a magnifying glass because the print is deliberately too small for a person with normal vision let alone someone who has to wear custom reading glasses.
I called Experian on three occasions about hard inquiries on my report. There were XXXX of them in a 6 month span, and I advised them that I may have had only XXXX of them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all XXXX of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.
We bought a certificate of deposit in the amount of {$250000.00} from www.eloan.com and instructed them to send the interest each month to our local bank. The first payment for the period ending XXXX/XXXX/2015 was added to our account with them.They now say that they can not send that interest payment to our local bank.
Equifax purposefully makes it difficult to obtain your report. The qualification/verification questions are extremely precise. Nobody is going to remember what their autopay loan payment from 10 years ago was. The result of missing the questions is you are locked out. 

Then to make it worse, the website set up to dispute DOES NOT WORK. It's almost as if they don't want you to work on your credit!
I recently had a check I sent to my long distance company stolen along with other check sent to that company according to a company spokesman I talked to.The check was then rewritten and cashed for {$2400.00}. The person used a fake name, no identification nor account number was on the cashed check. No stamping was on the check from a bank. I reported this to Bank of America on XXXX XXXX, 2015 and was told the matter should be resolved in 2 weeks. I started calling XXXX XXXX, and was told a analyst would respond within 24 hours.I still have not been contacted by the bank. In the meantime BoA is bombarding me with returned check fees. Again I was told the analyst would call me and take care of it. It is now 22 days since reporting this theft and still no phone call, e-mail or mail response from BoA.
I was in a car accident on XX/XX/XXXX. On XX/XX/XXXX I sought care at XXXX XXXX. I had 16 appointments with this XXXX. At the end of my treatment I submitted my bills to the insurance company of the individual who hit the car I was a passenger in. The insurance company conducted a private investigation inside the XXXX 's office and saw that 10 visits were posted on a sign for {$750.00}. The XXXX had billed an exorbitant amount of {$3900.00} for the services rendered. The insurance company refused to pay the amount. I sought out advice and in the state of Tennessee you have the option to utilize your private insurance first or the car insurance first and visa versa. I contacted XXXX my medical insurance provider and they informed me that this was something that happened all the time and that I would reimburse them through subrogation. I filed the claims, XXXX XXXX was sent an Explanation of Benefits as he was an in network provider with XXXX ( it is also noted on my chart ), and he was sent a check for the payment. I received numerous phone calls from his office threatening to turn me over to collections stating that I was in the wrong. They cashed the check and the next day it was turned over to Capital Account. I've attempted to state my case to Capital Accounts, XXXX, XXXX, XXXX and all 4 will not remedy the situation as XXXX XXXX states it is legitimate debt. I am providing the Explanation of Benefits that shows what was owed and the contracted rates between XXXX and XXXX XXXX, the cashed check, and my medical notes that show XXXX XXXX had my XXXX policy number and was well aware that XXXX was my insurance provider when I was in his office and seeking treatment.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Department Trans Union Consumer Relations XXXX. XXXX XXXX XXXX, XXXX XXXX Current file # XXXX on date XXXX/XXXX/XXXX To Whom It May Concern : This letter to formally inform you that I have filed a formal complains against you with Consumer Financial Protection Bureau. And federal trade commission for your disregard to federal law as passed by U.S congress and President. My initial complains with consumer protection agency case number : XXXX on XXXX/XXXX/XXXX. You have not fulfilled your duty. I have send you several letters by mail, Tracking Number # Tracking Number # XXXX and XXXX You claim to have some verified the items, I requested. Therefore, I legally requested a description of the procedure used to verify the information. 
1. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX I have obtained letter from the U.S department of education that the disputed items should to be deleted from my account. The letter is in the attachment Failure to comply with these federal regulations by credit reporting agencies is investigated by the federal trade commission ( see 15 USC 41, et seq. ) Further you have claimed that you have confirmed this information? 
1. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$2100.00} past due as of XXXX XXXX. 

2. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$1600.00} past due as of XXXX XXXX. 

3. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX I have contacted these agencies, with certified mail and phone conversation, I asked them for the original documents none of them has response to me. My question to you how you verified these accounts belongs to me. If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? What is the position of your employee that spoke to the creditor? I have clearly asked to respond with 15days. Please see the attach document from the department of education, that asking you to delete the disputed items. Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX XXXX XXXX, XXXX XXXX
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, ark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requires to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.
On or about XX/XX/XXXX I sent validation of debt requests to Calvary PortfolioServices ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX   account ) and XXXX XXXX ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. Calvary, XXXX and XXXX sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. Calvary, XXXX and XXXX continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
My wife and XXXX sons ( ages XXXX & XXXX ) went to XXXX XXXX on XXXX XXXX, 2016. The CapitalOne credit card she was using was hacked on XXXX XXXX, 2016. CapitalOne balanced out the fraudulent charges and closed the credit card account and told us that they will have a replacement card shipped to her, in XXXX XXXX, within XXXX5 business days. I called CapitalOne after 5 days when she did not receive the replacement card and was asked to wait for another day or XXXX. I called CapitalOne again after two days when the card did not arrive and demanded a tracking number and after several minutes on hold, I was told that they had an issue sending the card to the XXXX address, which the rep and I spent nearly 15 minutes to make sure it was correct, and that they took the liberty to send the replacement card to my XXXX home address via USPS and did not have a tracking number available. 
Reluctantly, I waited again for couple more days and never received the replacement card. 
It seems that they do not have any records on file of ever shipping a replacement card to my wife in XXXX XXXX or to me at the XXXX home address at this point in time. 

On XXXX XXXX, I gave up on trying to resolve this issue with the phone reps and decided to take my issue on their corporate XXXX page. I got a response stating that they would relay the message to a group that would call me soon ... which I never got a call back from, but for the interest of being fair, I did ask them not to call me until they had a resolution, meaning, I wanted them to take action to ship me a replacement card as soon as possible. I also sent an email to the CEO ( XXXXXXXXXXXX ) with no response. On XXXX XXXX 2016, with no other options left, I took a chance and sent my wife my CapitalOne credit card with my name on it via XXXX XXXX XXXX mail, hoping that she would not have any problems using it since it did not have her name on it ... and on the same day, I got a call from a rep from CapitalOne who reviewed the issue and took action to send me a replacement card to my home address overnight and the card arrived the next day. I sent the new card to my wife via XXXX XXXX XXXX mail again and she received it today ( XXXX XXXX, 2016 ). The entire process took 28 days and during the process, we were forced to spend what little cash we had while paying for various international bank fees for the transactions with our personal checking account. The vacation was planned for XXXX XXXX to XXXX XXXX, 2016 and nearly half of the time was wasted waiting for the replacement card. I feel that CapitalOne has failed to meet the minimum quality of service and should be liable for their neglect.
I have an account with a payday lender and they are not sending my transaction history slowly to my lending company.
I have tried to set this Wells Fargo account on autopay 5 times ; three times online and twice on the phone. The first time the page indicated the account was set for autopay. Two weeks later I received a very unfriendly call threatening to take the account to collection and report the account to the credit bureau. I paid the bill over the phone. I again set up autopay online and called to confirm that the account was on autopay. I was told the next payment was not due until XX/XX/2017. I thought that was odd because the date I set the account on autopay was early XXXX. I received a statement XX/XX/XXXX ( with a mailing date of XX/XX/XXXX ). The account was due on XX/XX/XXXX and had a late fee added. I mailed a payment on XX/XX/XXXX. I called XX/XX/XXXX to ensure the account was up to date. It was not. I was transferred to 5 different departments. I asked to speak to a supervisor and the line disconnected after the agent spent 45 seconds yelling that we had a bad connection. I could not set up autopay because the account was not up to date. One agent offered to send autopay enrollment through the mail. Each agent repeated the same information to me and tried to collect the bill. Each also said autopay would take 30-60 days to be effective. I have to go online each month to check the account and find out if the autopay is in place. My credit score has dropped 50 points because of Wells Fargo.
After years of trying to get ahead with my debt, I contacted a debt relief program. Upon doing so, I stopped making payments to my student loan with Navient. Months before I had called them for help but they told me I was already paying the lowest possible monthly payments. I did n't want to do forebearance for fear of making it look like a bankruptcy on my credit report. So I went with the debt relief program, stopped paying on the student loan and they have not given me a break since. Navient started calling me approximately 6 mos ago on a daily basis. Often they would call about 5x a day. Sometimes it would be an automated message other times a rep would leave a message for a call back. I told the debt relief customer support that the calls were never ending. They told me I would need to call them and specifically state that I would like them to stop or I will contact the FTC and send a Cease and Desist letter. Navient 's calls got worse. They began calling my family and a prior manager asking them via voicemail if they could contact me on a very important matter. They were calling after XXXX regularly. Most of the calls were made from numbers from various states. It seemed to be a ploy to get me to answer as each call seemed to be from a different state each time. To this day the calls have lessened, but they are still harassing me. They are still calling family and friends and I do n't know HOW they are getting the phone numbers. I get emails as well. I only have the emails that I could attach but I do n't believe it would help in proving harassment. I can provide a list of my call records including times if I need supporting evidence of the number, times and locations the calls were made but I am unable to attach to this complaint. Navient has been sent 2 Cease and Desist letters from XXXX XXXX XXXX on my behalf to stop the harassing calls.
Bank of America starts to charge my checking account a maintenance fee I have never been informed about. I talked to them multiple times and they simple say they MUST have informed me. I know I have never been told about this fee because I asked about maintenance fee when I opened the account. This kind of dishonest practice should not be tolerated in a lawful society.
On XX/XX/XXXX I made a transaction with XXXX XXXX XXXX for a transaction which was a mystery box. On this day I would pay him {$300.00} usd which is XXXX gbp. On XX/XX/XXXX I told him if I can get any updates about the item, but he would not respond also he would block me. I contact Paypal about this XX/XX/XXXX and today i just got a message and they said they ruled the favor the scammer. Also, they don't reopen closed cases which kind of XXXX. Can you please help me get my money back, because PayPal is not doing its job?
My name is XXXX XXXX XXXX and my husband is XXXX XXXX XXXX. I viewed my husband and my credit report and noticed that our mortgage was reported being paid late for XXXX 2014. I spoke with our mortgage company and I verified online that our payments posted on XXXX/XXXX/2014. XXXX did not have a record of our payment being late for 2014. I have documents to support this information and have attached them to this dispute. I also noticed that my date of birth was incorrect on the report. It is listing my husbands date of birth as mine. I would like to have this information reviewed and corrected on our reports. Please contact me at XXXX or via email at XXXXXXXXXXXX. 

Thank you
XXXX XXXX auto loan was discharge through my chapter XXXX bankruptcy, on my experian credit report it stills shows that its open, they have not updated the status its been four years now and the other two credit reporting agencies showing that this account is closed. Experian is still showing that its still opened.