WillisBack/dataset-financial-user-claim huggingface dataset:
This amount claimed that I owe was paid off in FULL in 2014 in CASH. I would have kept a receipt had I known that the front desk from XXXX would just pocket the money, but they claimed my account was free and clear and had no issues until I noticed it showing up on my credit report. I have since made contact with XXXX and now they claim they do not know what I am talking about yet they removed the debt from my husbands account, which is a joint account that this credit was done in, as well as from my XXXX report. However, XXXX refuses to remove this from my debt. I haven been fighting for the past couple years to get this resolved as it is affecting my credit and is not a debt I owe. I want it removed and honestly would like those involved for stealing the money paid on that account to be held accountable for their actions.
Today is XXXX XXXX. This has been a long process and I have a very nice representative help me a least get access back to online backing for my personal card. I hate to write this because I love Capital One but this is a security issue. 

I have a Spark Business Capital One checking and savings account through Capital One. I also have a personal Capital One Venture Credit Card through them. I had separate login for the personal Venture Credit Card from my Spark Business account. I had an issue with the Venture online login and called and they said they now are linking all Capital One accounts whether they are business or personal - their team said they would un-enroll me then I can re-enroll to have my own login for my personal account and my business account. I tried to re-enroll for online access and it would not let me sign up. I called back and the rep said he would look into this and call me back. That was a week ago. So tonight I called and spoke with a nice lady, I was on the phone for 1.5 hours before I was able to access my personal Venture account again.

Time after time, I was told that I would have one login for my business and personal accounts with Capital One. THIS IS A SECURITY ISSUE for I have employees who have access to my business account for bookkeeping and accounting reasons - AND NOW THEY HAVE ACCESS TO MY PERSONAL ACCOUNT. Every time, I was told this is what customers requested and there is no way around it. You have one login for all accounts whether they are personal or business related.

So this nice lady, finally helped me get re-enrolled for my personal Venture Capital One card. She helped me have the username I wanted. We get off the phone, I go and try to log into my business Spark Capital One card and now the business username I previously had does n't work. It is now the same login as my personal Venture Capital One online banking.

THIS IS A SECURITY THREAT FOR NOW MY EMPLOYEES FOR MY BUSINESS HAVE THE LOGIN INFORMATION FOR MY PERSONAL FINANCES. CAPITAL ONE MAKES IT KNOWN TO ANYONE THAT THEY ARE HAVING ONE LOGIN FOR ALL ACCOUNTS. They say there is not other way to have separate logins.
On XX/XX/2016 I received a call from a representative of BB & T inquiring as to whether or not I knew a XXXX, I responded No. I was then informed that it appeared that checks had been counterfeited, they did not match my checks and the signatures did not match but XXXX checks # XXXX - {$1700.00}, # XXXX - {$1700.00}, and # XXXX - {$1700.00} had been processed against my account. The account was obviously overdrawn and more so with overdraft charges. I was advised to go to my bank branch and file the necessary fraud documents, which was done immediately. The bank representative advised that we closed the affected account and open a new one. This also was done, we now had only one check to access the new account, but were told our existing debit cards would be linked to the new account. This only partially worked and only one card was linked, so that when a medication copay of {$2.00} was charged against that card, it was denied, and were were charged another overdraft charge on the old account. A bank representative was able to fix the link for the debit card. Then things got worse, we were told it would take approximately 10 days for the money to be restored to our account. After 10 days, I called, the rep told me the case was being investigated, and she provided me a case number and a phone number to contact the fraud unit directly. I contacted the fraud unit and was told that there was no definite time that the funds would be restored and it could take as long as 90 days. I went back to the branch office, the rep called and was told that an investigator would be assigned on XXXX and to call the fraud unit for an update at that time. In the interim I have been forced to withdraw funds from my 401K to cover property taxes, property insurance, and my mortgage payment with this same bank. I have had to contact Social Security, our life insurance companies, and all those with whom we have direct deposit agreements to make the appropriate changes. I feel that the bank 's resistance to reinstate my funds is unacceptable, this situation was a result of problems with their security and not my effort to protect my account. The bank informed me of the problem initially before I even knew it existed so they knew there was something wrong, with that said, I feel they are not responding reasonably.
My loan was transferred from XXXX to LoanCare LLC on XX/XX/2016. XXXX auto drafted my account for the XX/XX/XXXX payment. I called LoanCare on XX/XX/2016 to make a payment. They told me to wait for the " Welcome Packet ''. A packet never arrived so I mailed a check on XX/XX/XXXX. The packet finally arrived on XX/XX/2016. I immediately set up auto draft by faxing the info they requested. The check I sent on XX/XX/2016 cleared my account on XX/XX/2016. Also on XX/XX/2016 LoanCare did a test ACH for my auto drafts. I am now receiving pre-foreclosure notices in the mail, 9 so far.
On XX/XX/2016 I used my American Express serve card to try and withdraw {$200.00} from my account at a ATM. There was an error on the transaction and no money was dispensed but {$200.00} came out of my account. I reported the dispute that night and did everything required on my end but still have n't received a provisional credit and they still have n't resolved the issue. It 's been past the 45 days they said would be the maximum time it would take to resolve. Everytime I call, they tell me different information and will not let me contact the dispute team. I am very unsatisfied with this company.
I am having problems with a transaction that happened in a Bank of America branch in XXXX XXXX Florida. The teller charged my account for money I did not receive during a cash withdrawal transaction. I submitted a claim for the missing money, and Bank of America is not willing to work with me in settling the matter.
Date : XX/XX/2019 Issue : Experian - Customer Services, no live person to discuss a freeze dispute. Need help to resolve a security freeze ; I dont want to remove it but the freeze is not working. Experian does not have a number to resolve this. The website for customer services -- the page is not found. Companies are able to review my credit even though I have a credit freeze.
when I sign up to buy the car under financing and 2 month later I found out they put me into leasing. for two year and take my down payment in to initial payment for the lease ...
Specialized Loan Servicing LLC ( SLS ) XXXX XXXX XXXX XXXX, CO XXXX or XXXX XXXX XXXX XXXX GA XXXX bought our mortgage loan from XXXX ( XXXX ) on XXXX XXXX, have not been late with payments, now they have increased payment by {$300.00} a month because escrow was short to pay XXXX tax, offered to pay the difference to keep payment at original but said they could not drop monthly amount until 12 month review. I now want to pay tax and homeowner insurance myself I would save by paying quarterly.I have filed Homestead with FL which will reduce XXXX tax by 50 %. SLS after reading reviews appears to be a questionable co. that needs to be investigated. I offered to pay my original monthly payment and pay up front the difference in escrow shortage for XXXX taxes so long as my monthly payment stays the same as it was.SLS will take my money but will not lower my payment to what it was.
Dear CFPB, I, like many Californians, have been fighting to keep my home. I lost my job in XXXX and while I could not make full payments, I made partial payments that the mortgage holder, M & T Bank, accepted for several years. Once housing values began to rise, M & T Bank began a series of moves intending to foreclose on my property. The foreclosure was in place and going to court when I hired a law firm that claimed they would help. They only thing they did was send a letter letting the bank know I was now represented. They did nothing to negotiate lower payments or a more reasonable payment schedule. 

However, I was able to get a loan modification agreement in place with M & T Bank. I have paid every payment on time, in full as required by the agreement. M & T Bank claims they did not receive the payment for XXXX XXXX ; I have a copy of every cashed check since XXXX XXXX when the 1st trial payment began. They received the XXXX XXXX payment of {$1800.00} on XXXX XXXX, XXXX and my bank cleared the check on XXXX XXXX, XXXX. 

They have been reported to all XXXX credit agencies that I have been late on my payments since XXXX XXXX when I began my XXXX trial payment for the loan modification program. They claim I was late for my payment in XXXX XXXX - they received the payment on XXXX XXXX, XXXX and claim that I was late in XXXX XXXX when they received payment on XXXX XXXX, XXXX. 

They have been trying different ways of foreclosure for the past two years and destroying my credit is just another method. I have called the bank a number of times to try to get them to fix the problems and refund the late fees that I paid in XXXX XXXX but did not owe but can not get anyone to actually sit down and fix the errors on their end. 

I am almost XXXX XXXX XXXX, without funds, XXXX and ca n't continue to fight them by myself. I have filed disputes with the credit agencies but they are waiting for M & T Bank to respond, and M & T Bank has no impetus to respond ... in the meantime my credit rating is taking a huge hit. Please help! I can send you copies of all the cashed checks to prove I paid every payment on time. 

Thank you in advance for your time and consideration.
My credit bureau score dropped XXXX points. Upon checking I found that there is a charge of {$26.00} reported delinquent by capital one. I called capitalone to check as all my accounts with them are fully paid. They said that they had a charge of {$3.00} on my account in XX/XX/XXXX. This account was closed by me in XX/XX/XXXX. The person had no idea why a charge was approved on a closed account. They charged another {$23.00} late fee and reported a charge of {$26.00} to credit bureau significantly lowering my credit score. They did not give me any date of resolution of the issue. This is a huge operational risk event. We had plans to refi our mortgage which was postponed due to this XXXX by capitalone.
For over 2 years now, get recorded calls from XXXX that just says 'hello ' & then disconnects. Do n't know from whom or why. 
I do n't have any debt, including mortgage or car payments. I pay all my bills on time. Do n't know what this is about. Please help to stop these calls.
I have had multiple issues with my closed account with XXXX XXXX. I held my account with them for 30 days, in these 30 days, I closed my account. Account # XXXX was closed on XX/XX/2018. At this time all balance amounts were paid for the 30 days I held service with the company. 
On XX/XX/XXXX, I received my first invoice from XXXX on my closed account stating I owed a balance of about {$360.00} dollars for un-returned equipment. I called the customer service line and they let me know it would take a month to process that they received my equipment and to update my account. Every month after that I kept receiving a balance of {$110.00} due. I kept calling to dispute this amount and was assured this was an error on their system and they would fix the issue. 
On XX/XX/2018 I received my final notice for the amount of {$110.00}. I called customer service, which sent me to billing. Billing let me know that they no longer could help me because my account was closed and that I had to work with their collections department. My account was closed since XX/XX/XXXX and this was the first time I was told this by the billing department. They sent me over to collections, whom told me it was up to billing to change the issue since collections had no information on the missing equipment. I was receiving no mercy. Finally, I called the office of the president to dispute that this issue has been ongoing since my account. I was given reference # XXXX for this dispute and was told it would be taken care of. 
I have since received the message from XXXX XXXX XXXX saying if I do not pay the amount it will affect my credit. I am again, disputing this collections reference. 

I have attached the proof that the equipment was delivered to the address XXXX XXXX XXXX XXXX XXXX, IN XXXX and delivered to their delivery dock and signed off by XXXX.
I am a XXXX veteran and Federal employee who is getting ready to retire. As part of my retirement plan I had intended to move from XXXX to XXXX. After finding a house I submitted a mortgage application to Wells Fargo Bank XXXX the same bank that holds my current mortgage ). In short, Wells Fargo denied my application because I was " Unable to verify income '' upon retirement. Since it is now taking XXXX 6 to 8 months to complete retirement packages, all I had was the Estimate of Annuities that XXXX provides prior to retiring. Since I could not produce a income statement, and will not be able to do so for XXXX to 8 months, Wells Fargo has put me between a rock and a hard place. I have already sold my current residence, however I am now likely to lose the house I have a contract on in XXXX. I doubt I am the XXXX Federal retiree who 's plans included something for which they would need a loan to accomplish. Wells Fargo 's response was that this was part of the new rules implemented after the housing market crashed, however, I can not see its application for someone who will have a guaranteed income at retirement despite the governments processing of that retirement being 6 to 8 months behind.
XXXX  has been non-compliant with removing the unverified account XXXX Date opened XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX   was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have a loan with a company calle d Loancare. They  have turned me into the credit bureau twice in 6 months due to payments not being posted on time. They have also automatically changed my payment amount due to insurance review even though my insurance company has actually charging less. They dont process the payments when they get them so they are putting late charges on my account when the money is in. I am not the only  one out  there that they are doing this to. There are many websites of this happening to many others with exactly the same story. I have been on the phone with the m 20 times and they actually have hung up on me many times when they can not answer my questions. My credit score wa s  XXXX  before they bought my loan and since then it has dropped to  XXXX . I want to refinance but since my credit dropped i wont get the 3.5 % interest rate so maybe this is how they keep their customers. Please help.     Thank you  XXXX   XXXX   XXXX
a bankruptcy is reporting under my name on transunion credit reporting agency, this bankruptcy is inaccurately reporting since it was filed with out my knowledge and with out my consent, a lawyer who now is disbarred, has done this to many of his clients, and he is suffering now from consequences, but now i am suffering because of this inaccuracies. 
please i have attache the police report and also filed dispute many of them with transunion who is unwilling to remove this inaccuracy from my credit file please help me to get to the bottom of this and have this inaccuracy removed from transunion reporting only thank you
Lyons, Doughty, and Veldhuis P.C. FAILED to answer the information I asked from them to validate the alleged debt. They instead sent me some papers which were never received at this residence that were photocopied as their " proof ''. 

This debt collector also stated that I was not allowed to ask for a debt validation because it was past 30 days. Thats incorrect and is a simple scare tactic they are using thinking that I do not know my rights. 

Debt collector ran my name, SSN, and other important/personal information through the US Dept of Defense without my knowledge OR consent which is ILLEGAL.
I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of  XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from Bank Of America it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted Bank Of America on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with BANK OF AMERICA but they just keep giving me the rum around over and over.
My son and I ( co-signer ) took out a student loan in XX/XX/2006 for {$8000.00} with a interest rate of 9.250 %. Since this time the interest rate had remained the same until I started to pay extra on the student loans. Then to top it off, I repaid one loan off and received another interest rate increase, not fair or right. During this time, my son has been declared to be XXXX  XXXX by the Social Security Administration. He had other student loans which were forgiven except for the 2 I co-signed. Navient DID take him off or the 2 loans as ( signer ) and made me sole responsible party. 
Looking at the loan papers, I found that Sallie Mae sent me/son a letter with Sallie Mae and XXXX XXXX on the letter head approving his/our loan. I found the loan is titled SIGNATURE STUDENT LOAN but serviced by Sallie Mae and all correspondence was through Sallie Mae. Since this time I found XXXX XXXX has eliminated student loans and Navient has/is the sole financial owner of my loan. 
For your information, I have documentation of my claims. 
Thank you, XXXX XXXX
My complaint is against RCS Residential Credit Solutions , Inc, My loan was transferred to them few years ago, it has been a big headache until today. I loss my XXXX in XX/XX/XXXX I ask them to please help me to get a loan modification but they did n't help me, all my financial problems leading me to file a Bankruptcy Chapter XXXX, trying to re organize my debts making XXXX payment along with my mortgage payment. I have submitted a loan modification package on XX/XX/XXXX, I have called every week to the bank asking for my loan status and they just tell me is denied but I have nothing received in writing everything is verbal. Since my BK Chapter XXXX payment is {$1600.00}, my expenses are {$710.00} and my house payment is {$2900.00}. I am desperately looking for help, they can not answer my request for loan modification but they were really faster removing my house from the BK with a motion. They can not give me a trial payment but they send me an appraisal opinion to determine how much my house can be sold. I have lived here for over 24 years. I am not sure if they are going to provide me any solution this time, but I 'm pretty sure that I am not the only XXXX reporting the abuse of this institution to the borrowers. I have submitted my package again ( enclosed please find a copy ) waiting for a help, understanding and cooperation.
I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
XXXX CT XXXX the date XXXX/XXXX/2011 is not the date this was filed and I need to see the petition where you obtained this information " XXXX CT '' is not the name of a court and you must list this as a bankruptcy court with the city and state The docket # XXXX is invalid and does not belong to this bankruptcy - please send me petition You have no plaintiff listed No liability amount listed Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 TransUnion 's response to my letters ( received in the mail ), clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX TRANSUNION that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the bankruptcy is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to you.
My name is  XXXX   XXXX   XXXX , I live in  XXXX   XXXX , Florida, on  XXXX / XXXX /  XXXX    XXXX  pm I sent money via moneygram to  XXXX   XXXX  who lives in  XXXX , Texas. I sent her the refrence number and the private question and answer so she could get the  XXXX . The money was for my  XXXX   XXXX   XXXX  daughter as a birthday gift.  XXXX  went to the walmart in  XXXX  with her ID and the info to retrive the money, she was unable to get it, they told her I had to call  XXXX  and give them more info, I did that, they said ok tell her to go and retrive the money, nothing, they said they needed more info, what more info do they want? so I decided to send my daughter a money order and I went today  XXXX / XXXX /  XXXX   to retrieve my money, they said it 's on hold and I could not get My money so I got back home and called the  XXXX  number again and they seem to put you with people with thick accents so it ;  s  difficult to understand and they tell me the transfer is under review, what are they reviewing I asked, I gave you all my info, she gave you all her info and you still wo n't release the money to her or me and I 'm the sender, it 's my money ca n't I get it back, the man says it 's under review again, that 's when I started to get mad cause they give you the run around, do they need the  XXXX  that much? so I told him he was no help at all and I guess I will have to see if there are any class action law suits or I will get a lawyer and we can make those  XXXX  dance. He then asks if there is anything more he can help me with so I hung up on him. Please help!