WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, On XXXX XXXX, 2018, I was in the XXXX XXXX store, and wanted to pay for my car repair. 
They told me that we can apply here for our credit card, XXXX XXXX Credit Card, then you can pay this large amount in 6 months without any interest. Using my info, they applied and then they told me that your application was declined. I found out from the sales associate person that since they didn't have my full first name on file, they applied with a wrong name, and later on, in the mail, I received a mail from the credit company, XXXX XXXX XXXX XXXX ( XXXX ), that we were not able to verify your info with your social security number and so it was declined. 
So now, basically, due to their incorrect application, I have a hard inquiry listed on my credit report and I haven't got the credit card, and it's having a negative impact on my score.
My current mortgage holder Nationstar d.b.a. Mr. Cooper posted a late payment over 30 days to my credit report for XX/XX/XXXX. I spoke with an account supervisor from Nationstar d.b.a. Mr. Cooper named XXXX and she assured me that while my XX/XX/XXXX payment did post as late, it was not over 30 days late and should not have been posted to my credit report. This is the second time that this company has posted false information to my credit report.
I have a private loan through Sallie Mae. They have been misleading about the status of my loan, have marked me delinquent despite never mailing me at my proper address, they list correspondence on their site as having been mailed to me that I actually never received, and they have refused to change my contact information after numerous requests. The representatives apparently do not keep notes on my account ; I provided one with my checking account information in order to have payments deducted automatically, and despite the fact that XXXX payment was successfully deducted, the next month they claimed they could n't withdraw from the exact same checking account because it " did n't exist ''. They never notified me of this ; I had to contact them and ask them why the payment had n't been deducted. After making sure they had the correct account number, I was told by the representative that payments would resume the next month and I did n't need to worry. About a XXXX later ( in the same month ), I received a phone call informing me I was delinquent and payment needed to be remitted immediately. This level of disorganization and negligence is unacceptable. It has adversely impacted my credit report due to their reporting me as XXXX days past due, despite my never having received notice. They refused to provide loan deferment options, yet are making it difficult for me to pay. They will also not mail me information on my loan balance, as I have repeatedly requested.
To Whom It May Concern, I am filing this formal complaint because I feel that Wells Fargo is not honoring their part of the agreement with the government. I have been trying to get a loan modification for over a year and a half. During that time Wells Fargo has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I used to make over $ XXXX a year and now I am making half that. My husband XXXX, so he could not work for many months. We have had to borrow money from family and borrow from our retirement just to make ends meet. I believe that Wells Fargo illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Wells Fargo not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 55 % of my gross monthly income. If that is not considered a hardship by Wells Fargo, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated in 2003 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that Wells Fargo is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks ' policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. I 'm not asking for charity, I just want what is fair and right. From what I understand Wells Fargo took millions from the government, but they are not helping the people that legitimately deserve it. Please help me save my home. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Under the Home Affordable Modification Program, I would be under review every six months to see what has changed for me financially etc. with Wells Fargo Bank. I began working with them earlier this year for my six month review but what has happened is that the bank did not handle it in the same way it has in the past. It did not follow its procedure it outlined to me which was to send them the information they needed, they would review the information and contact me within 7 days to discuss and to let me know if they needed anything else, and, then provide me with a decision on the modification of my loan. Instead after I sent my required information, I never received acknowledgement or confirmation they had what they needed and they began foreclosure procedures. I managed to stop the foreclosure for a few months but in the end they have decided to go forward with it. This is despite the fact that they had provided me with a phone call offering a {$1000.00} a month mortgage payment on XXXX XXXX, 2016 which I agreed to but they never followed up with, instead they instituted foreclosure. In fact, I did not receive notice of the foreclosure until a real estate agent came to my driveway to tell me they were selling my home for the bank.
Experian agent would do nothing.  I have multiple accounts in "good standing" and "pays as agreed" but $XXXX balance and still showing "payments monthly" ie $XXXX  balance and $XXXX due monthly .  This is wrong.  The creditor looks at this and sees $XXXX   on each account of 10 accounts with $XXXX balance and thinks I owe $XXXX  monthly!  This doesn't make sense per comparing to XXXX and XXXX showing $XXXX balance $XXXX payment monthly.  This date XX/XX/2019 I called Experian and was put on hold and left hanging after agent  said she would not change or dispute to correct.
I have tried to file chargebacks on three cards to recover from fraud on 3 credit cards in citizens bank and they denied me that chance. for the card ending in XXXX I owe {$5000.00}, for card ending in XXXX I owe {$3900.00} and for the card ending in XXXX I owe {$1900.00} from the letter given to me on that letter.
HI could I please get your Capital One Bank card fraud written policies and procedures. I called the fraud number listed on your website and could not get the information sent to my address. I prefer to submit my FTC Fraud Affidavit by register return receipt USPS mail. This way I have proof I submitted to your company. Sorry but I have found when resolving issues with Fraud charges over the phone produces no records for the consumer and creates further challengesof proving the charges are being disputed. Thank you
We owed {$320.00} to original company ( XXXX ). After a phone call from them regarding payment, I advised them I never got a bill. I gave them my current address in XXXX. It took three phone calls for THEM to get it correct. By that time they put the debt into collection ( Transworld Systems , Inc. ) I paid the bill on XXXX XXXX, 2015 after finally getting an invoice from XXXX. On XXXX XXXX, 2015 received a call from debt collector ( Transworld Systems XXXX. I advised them that this account had been paid on XXXX XXXX. Transworld said they did not get payment info from XXXX and needed it. So I called XXXX and was told they would send payment info to Transworld. In XXXX, 2015 received call from Transworld again and also XXXX XXXX. I called XXXX and spoke with XXXX and advised of the harrassment from Transworld. She called XXXX and they denied calling me. Today ( XXXX XXXX, 2015 ), I received ANOTHER notice of collection from Transworld Systems , Inc . I again called XXXX and spoke with XXXX regarding notice from Transworld. He advised that my account was paid and he did n't understand why Transworld was sending me a notice. He advised that he would send this complaint to his supervisor and have him/her call Transworld tomorrow ( XXXX/XXXX/15 ). I did advised him that I would be filing a complaint as not only was Transworld Systems Inc. harassing me but XXXX was also at fault for not making proper corrections to my address so I would get the invoice and be able to pay it in a timely manner thus avoiding collections. Address for Transworld Systems , Inc. is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Telephone # XXXX. Address for XXXX is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone # is:XXXX. I hope someone can do something about this company ( Transworld Systems , Inc ) harassing me. This has been more frustrating than recovering from XXXX.
I 've Reached out to Experian, XXXX, and XXXX multiple times about unverified accounts on my credit report and have yet to get a response or deletion of those false credit report collections that 's jeopardizing my credit worthiness!!!
Same case from case number XXXX. They have stopped since XXXX and are now again resuming their garnishment NOW with my employer. The documents sent by this company never showed my application to the firm client, there was no balance on it and the entire account was already charged off in XX/XX/XXXX. Please let Machol and Johannes LLC stop.
In XXXX and XXXX of XXXX The Access Group states I defaulted on loans and turned loans over to XXXX XXXX for collection. These loans have been consolidated numerous times and I believe I am already paying on these loans and are not in default on my payments. I reached out to the Access Group for proof that these loans have not been consolidated into my current payments, they refuse to provide any proof or documentation that these loans have not been consolidated. Since I was turned over to collections I have had a negative impact on my XXXX XXXX and have been denied new loans applied for.
On XX/XX/2018, someone committed Fraud on my personal identity. They went into one or two Boeing Employee 's credit unions in or around XXXX XXXX, XXXX or XXXX XXXX near XXXX. I immediately notified all credit bureau 's that Fraud was being committed on my social security. Then I called Boeing Employees Credit Union to notify them of the fraud and after calling 4 times, no one will call me back and confirm the account has been closed. It is my understanding that it's a checking account and a line of credit. I've verified my identity with my local police department on XX/XX/2018, with the XXXX County Sherrif 's office in XXXX, XXXX where I live. I filed the report case # XXXX with Deputy XXXX XXXX XXXX / XXXX and he forwarded the report to XXXX XXXX. I've spoken with XXXX XXXX and the local XXXX XXXX police department and no one will confirm that this account has been closed nor will anyone from Boeing Employees Credit Union call me back. The police and the FBI won't do anything about it because Fraud was against my identity but the bank is the complainant and they are trying to require that I come to XXXX to the branch where the account was opened ( but they won't tell me where ) so I can verify my identity. I have been verified by my personal bank XXXX XXXX as well as the local police department. That should be enough to ensure that this account is closed. I have spent over 40 hours of my time cleaning up this mess and Boeing is a complete disgrace to modern society and consumer protection. XXXX XXXX XXXX XXXX XXXX
A previous complaint was filed against Argon Credit XX/XX/XXXX regarding violation of Alabama usury law ( 8 % interest ) on {$2000.00} personal loan, and this account was paid in full back in XXXX XXXX. Argon Credit kept reporting this loan as delinquent on XXXX, and I filed a dispute in which XXXX verified as being paid in full on XXXX XXXX, XXXX. This bogus account was placed back on my XXXX Credit report as having a {$500.00} balance on XXXX XXXX, XXXX. I disputed this, immediately, two weeks ago, and then I remembered that XXXX had already verified as paid in full. Today, I called XXXX to find out why it was deliberately violating FCRA and was told by a phone tech and XXXX supervisors that Argon Credit did not respond to the dispute within the required 30-day time, but " XXXX gave Argon Credit additional time to correct the record. '' Argon Credit failed to respond to my dispute in a timely manner. Argon Credit is well aware that federal law requires it to respond within 30 days. XXXX XXXX, XXXX is way over the period to respond to a dispute. And, as Argon Credit is no doubt aware, failure to comply with federal regulations by credit reporting agencies and creditors is a serious violation of the Fair Credit Reporting Act and cause for an investigation by the FTC. I have a copy of the dispute results from XXXX back on XXXX XXXX, XXXX, and this is a blatant violation. I am requesting this matter be resolved, immediately, or else I will be resolved to take legal action to protect my rights. 

Argon Credit is knowingly using " parking '' tactics that are spelled out in several court cases that have been won by consumers against dishonest creditors.
I got a call from hospital personnel, about my survey and why I was not happy with my day nurse. I told her I told the nurse I needed formula and she wanted me the breastfeed and would not get me the formula. I told her I felt the nurse was shaming me for not wanting to breastfeed. 

She said since I was not happy with the service I got, that they would be waiving my copay I was not notified that they wanted be to pay, because of the agreement I did not receive any form notification that I was owing them. I was under the impression that everything was taken care off.
I 've disputed this information with both Equifax and notified them each time that i am a victim of identity theft and they have refused to block or remove these accounts after I provided all required documentation. I am at the point where I will take them to court if neccessary as well as the creditors for failure to remove this information. I do NOT CARE that these accounts are positive and that they are not hurting my credit file - they do NOT belong to me, I did NOT open them, I did NOT apply for them. In addition, I had requested the actual proof, physical firsthand knowledge that verifies that these belong to me and I did not receive anything. Pursuant to section 609, the credit bureaus MUST have the physical documentation in their files PRIOR to even reporting the accounts which means that they # 1 already have the " proof '' and # 2 section 609 makes available to me all documents in my file for me to review. Section 605B states that these accounts must be blocked and investigated and I can see that none of this has occurred. I also do not see the required notice of dispute on my credit file which means that they are also in violation of section 623. These are the accounts that must be blocked and do NOT belong to me : These are the accounts resulting from identity theft and need to be blocked and then removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are resulting from fraud : XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
I have been sued by Midland Funding LLC and am currently making payments of XXXX for credit card debt. I feel that this is one of Midland 's robo-signed lawsuits and a default judgement was granted because I was under great duress at the time this was filed taking care of XXXX parents and did not understand the judicial process or have the means to fight it. Many many times I was contacted by the " Internal Legal Dept '' I have contacted Midland several times via email as to why I am not getting a monthly billing statement for this payment. I continue to pay XXXX each month but feel as though this falls under the CFPB XX/XX/2015 ruling against Midland. I was also initially told NOT to respond to the lawsuit once I had made payment arrangements after I was served - I was scared and stupid
Our company had it 's checking account with Capital One. We are an XXXX vendor and all of our deposits came electronically from XXXX XXXX every two weeks. All of our company purchases are made with company credit cards. The only disbursements we have made all year long are to paid credit card companies for our inventory purchases and fixed expenses. Today I tried to log into our Capital One Spark business checking account and I kept receiving error messages. I emailed customer service with the reference number and two hours later had still not received a response. I called Capital One and someone finally told me that Capital One " had decided to end the banking relationship '' without ever first notifying us or giving us any explanation. I demanded an explanation and was transferred to an account rep named XXXX. He claimed he had contacted the person or persons responsible for making the decision to close our account but he claimed that no one would give me an explanation why our account was closed without notice. He said our available funds were being mailed to us. When I demanded a tracking number for it he said it was sent via regular mail and no tracking number was available. We have deposits scheduled this week from XXXX as well as payments to our credit card companies and now have no way to pay our creditors until we get our funds from them as well as work out the rerouting of payments with XXXX. XXXX had verified that they have already sent this period 's payment and all we can hope for is that it bounces back to XXXX and Capital One has not decided to keep it or that it 's lost in cyberspace. <P/>XXXX XXXX XXXX, XXXX Capital One Account # XXXX
Fedloan capitalized XXXX in interest to the principle of my loan because, under my repayment plan REPAYE, if you are not re-enrolled every year in the same plan without a gap, any interest is capitalized. If it had not capitalized, this plan would subsidize the interest, which is why I chose it. 

In early 2017 when I reapplied for the plan, Fedloan let me know over the phone that it may take longer for my application to process because there is trouble getting income tax info electronically and everything is done manually. My application took much longer than the estimated time ( 14 business days ) so I was subsequently kicked off the REPAYE plan. Soon after my application was approved and I was re-enrolled in REPAYE. But, during that short gap, the interest to be subsidized capitalized to my principle. 

Over the phone, the representative agreed that I had applied on time but they took too long to process. But, they believed that my interest should have been capitalized even due to their own delay. Twice, I submitted a request to review what happened and never got a response. I was told by one agent that I should have thought of this before I took out so many loans. I was also told that I should not care that my principle is XXXX more because " it will be forgiven in 25 years ''. That XXXX will accumulate interest as well and I will ultimately pay taxes on it if it is forgiven.
I feel Fedloan is being careless about helping me follow and stay on my payment plan, and even carelessly adding thousands of dollars to my debt. I do n't feel like I have a voice and I have to give into anything they do because there is no oversight.
My name is XXXX XXXX XXXX XXXX XXXX.Pa.XXXX Last XXXX digits Soc. Sec # XXXX.Birthdate - XX/XX/XXXX. 
I have contacted Equifax to get the Method of Verification regarding my dispute sent via certified mail multiple times via certified mail and Equifax has not provided me the information that I have requested per the FCRA. 
The bankruptcy is inaccurate and after sending the dispute Equifax has refused and asked me to contact the court. I called them and they advised they did not send Equifax any data or verify this information. 
I believe they are relying on third party information that is inaccurate, I asked them for the Method of Verification and they have refused. 
If no Method of Verification is received as I have requested then I will begin to pursue legal action due to Equifax continued willful non- compliance that has caused me harm .FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states * If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 6 ) ( 7 ) states a credit reporting agency shall provide a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 DAYS after receiving a request from consumer for that description, Since Equifax has not provided me Method of Verification within the 15 day period required by the FCRA I want this inaccurate bankruptcy removed from my credit report.
Astoria Bank charged me an overdraft fee after they automatically overdrafted my account be charging an account fee of XXXX dollars and a periodic fee of XXXX dollars even though I had no money in my account. As a result of my overdraft they took everything I had when my check was deposited.
Wells Fargo is reporting that I am 30 days late on my XXXX payment. I have sent a letter to Wells Fargo showing them that my XXXX payment was made on XXXX/XXXX/XXXX well before the 30 days. They sent me a letter back stating that they were not going to change the showing of the late payment. Wells Fargo is, also, reporting that my XXXX payment is 30 days late as of XXXX/XXXX/XXXX. However, a payment was made on XXXX/XXXX/XXXX that was effective XXXX XXXX, XXXX. So either way if they are showing a XXXX payment late my payment was made effective XXXX XXXX and if they are showing a XXXX payment late, how can a XXXX payment be late 30 days if it has n't even been 30 days since my payment. Also, after the XXXX/XXXX/XXXX payment it was showing my next payment was n't due till XXXX XXXX, XXXX.
This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe Capital One and I am making every afford to pay them.