WillisBack/dataset-financial-user-claim huggingface dataset:
I opened up an online checking account with CapitalOne 360 a couple weeks ago to deposit a check. This is my first bank account and the check was a financial aid pell grant issued by my school. I deposited it into my CapitalOne checking account and waited a couple days for it to verify. After that, I saw that my account was locked, and that I could n't access my money. I called CapitalOne 's customer service number and was transferred to security. The man on the other line was n't very helpful. He said some things like the check could be a fraud check. He could n't tell me what the problem was and said to wait a week or and then they 'll tell me what was wrong. I waited but there were no changes to my account. I called the issuer of the check ( XXXX ) to see if the check was valid, and they confirmed that it was. I still could n't access my money, so I called CapitalOne 's customer service again, and they told me that there was nothing they could do and that only their security team could fix the issue. I asked them to transfer me to security and they told me that they could n't, which is weird because they did it the first time I called. I found the number for security on CapitalOne 's website and called it. I was sent straight to voicemail which told me to explain my issue and I did. The voicemail said that I would get a call back soon. I waited a couple more days and nothing. I called CapitalOne 's customer service again and they could n't help, and said they 'd let security know about my issue. They said that they could n't transfer me to security, and that there was no way of contacting a live person who works in security. Security has to call me themselves. They have to call and they ca n't even email me. This is an issue for me because I am busy throughout the week and I could be in class if they call. If I miss the call, then what? I told them okay, let security know. This was on a Friday, and they said security would call back on Monday. They did n't call me. I called CapitalOne 's customer service today explaining my issues again. They again told me that they could n't do anything and that their security is backed up. They gave me the number for security and I called it. It was the same number from earlier that led to voicemail. Only this time, I could n't even leave a message, their voicemail box is full. This is ridiculous. I am being bounced around back and forth with no resolution.
Chase Bank has not moved forward with foreclosure, which they supposedly were doing according to response on first complaint case # XXXX. This property at XXXX XXXX XXXX XXXX ca has been a financial drain with code enforcement fees and vandalism. It has been vacant for several years now. Please help, thank you.
XX/XX/18 XXXX, Equifax, XXXX Reported account with XXXX XXXX XXXX as an OPEN account in Collections. 
This account has been in Charge OFF status for over a year.

After sending factual information in regards to the inaccurate monthly terms reported, in the amount of 81months ( Should be 72 months, according to contract ). They have failed to provide proof of the balance calculations listed on my credit report.

After disputing the first time, this company updated my late payments reported ( my extended amount of days late on certain payments ). Still not providing PROOF.

NOW they have an account, which is remarked as being a write -off, as if it is an active account in Collections. 

This company is in violation of the FDCPA and the credit bureaus are in violation of FCRA and have failed to complete a proper investigation.
The credit bureaus are now limiting how and when your account information can be investigated. Because I disputed information on my mortgage account over a year ago, XXXX will not allow me to dispute any information again on the account unless I go through a lengthy process of re-submitting additional information and substantiate my requests. This is how the credit bureaus are going to work around and not truly help the consumers and maintain control while limiting any negative reputation towards creditors. I think it 's wrong! If it 's been over a year and I need to dispute the same account, I should be allowed to without any hassle and resistance. The bureaus are supposed to be there to help us ensure creditors are not abusing their power and accurately reporting. They should not be limiting/controlling how and when I need to make complaints on an account.
I received court documents this morning as a result of a credit card debt with Capitol One Bank. The amount that is listed on the court documents is about {$400.00} higher than my last statement with Capitol One, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed Capitol One several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with Capitol One Bank and I am willing to work with them to pay off the debt.
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. We have been told as of XX/XX/XXXX they are in receipt of the QWR and have not responded - We will not be allowed enough time to review the information being provided via our QWR request without the sale being postponed for this response to be received and reviewed adequately.
When attempting to buy a generator after a hurricane my check was declined by Certegy Check Services. I have had multiple problems with them in the past with declining checks saying I did n't have enough history with them. When I was finally able to get a check approved Certegy sent it off to collections with in a week saying it was unpaid even though my bank shows it paid after talking to them it was found to be an error and they where going to send a letter to me to get my fees refunded from my bank and that never happened. That has made me loose several XXXX dollars in fees to my bank. Fast forward to today when attempting to call for three days in a row since XXXX XXXX and wasting 6 hours I can not talk to anyone to figure out the issue. Certegy has not learned from the FTC lawsuit and is still preventing customers from spending their own money. Their VIP program that is supposed to make writing checks easier is a joke. It is just a way to force consumers to do business with them. I am tired of having to waste my checks that I have to pay for.
My loans were originally through XXXX XXXX, and now they are through Navient. I pay an astronomical amount each month. I was told if i entered into this special reduction program, my payments would then drop after a year. After the year ended, I was then told that was incorrect, that what I had been paying was the reduced amount, and they tried to double my payments when I could barely afford the original payment. Now every year I have to beg them to reduce my payments. They try to bully me and my cosigner - who is unable to pay. On multiple occasions they have taken out too many payments and I have to call and beg them for a refund so that I can eat. They also never take the payments out on time which causes overdrafts constantly with my bank. 
Their customer service is rarely helpful, and every time I call I am given different information. I am constantly told i have been misinformed. It is very frustrating and demeaning.
I had Synchrony Bank/Amazon for two years and constantly had issues with refunds for returned items. Amazon choose to close my account, because I returned " too many items ''. Once the account closed I do not have access to view items which I want to return. I sent all the items on my own, because I want to pay this account as soon as possible and do not deal with Amazon any more. I returned all items by XXXX XXXX and still did n't get my refund.
I HAD A JUDGMENT ON MY CREIT REPORT I HAVE PROOF IT HAD CAME OFF MY CREDIT REPORT AND SOME OW IT CAME BACK ON AFTER IT WAS TAKING OFF
I bought a used car in XXXX from XXXX and financed it through Santander USA. I paid {$15000.00} for the car. I admit that I was going through a personal and professional crisis at the time and did not pay enough attention to the deal. When they told me my interest rate was XXXX it did n't make a difference to me, I needed a car immediately in order to get to work. I have now made XXXX payments on that car. The loan is maturing XXXX XXXX, XXXX. The principal is {$8600.00} and the estimated payoff is {$10000.00}. It is a XXXX hole of a loan -- having paid them in excess of {$27000.00}, I have a car that is virtually worthless -- and they still want another {$10000.00} from me. How can I have this loan adjusted to a realistic state and stop being charged extraordinary fees keeping me in what is in essence a predatory loan?
This is related to Complaint #  XXXX  Th e collection has been removed from my credit reports, but Portfolio Recovery Associates has begun to harass me both via phone and mail. I do not accept the phone calls and do not respond to the mail.
On XX/XX/2018 I received a letter in the mail as a response to my debt validation request. AR Resources, INC did not provide me a HIPAA release form that releases my medical information to them. Therefore providing me with medical records is a violation of my HIPPA rights. I am a litigious individual and I am willing to seek legal remedy to file suit against AR Resources , INC . I am also willing to file a complain with HHS and OCR for the violations of my HIPPA rights. I urge AR Resources, INC to take this serious and to remove this debt from my credit report. AR Resources INC does not have permission to contact me by email, phone, or us mail. All communication is to be done through this cfpb portal.
I paid almost a year and a half on time and recently I have been going through some financial hardships and I called Santander to assist me with a payment plan. They gave one but they have still been reporting negative late payments on my credit report.
Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to Afni, Inc and XXXX XXXX in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.
Lender : Carrington Mortgage Services www.carringtonms.com XXXX. XXXX  XXXX XXXX, IN XXXX Phone : XXXX Fax : XXXX For the past 6 months I've been in the process of paying extra money on the account for the sole purpose finishing off the loan. Lender only allows you to pay up to {$9900.00} online per day. So every 4 times month since XX/XX/XXXX I begin to send payments online. Every time I sent money there wasn't any problems from the lender to place payments directly into principal portion of account. Problems began after XX/XX/XXXX, after Lender received its regular monthly payment, taking out interest, principal and escrow. I made another payment on XX/XX/XXXX. Here lender took out another payment for itself of interest and escrow. Up to this date everything was fine with account, customer service stated it would take 15 days to move the money back from interest and escrow to principal. On XX/XX/XXXX money has not been added back to the account under principal. When calling customer service, there claim is that don't see anything on their computer screen. But when you look at the company account website, problem is still posted as money not returned to account. On XX/XX/XXXX regular payment plus additional to principal wasn't a problem. Payment XX/XX/XXXX additional money was added to account, went straight to principal again not a problem. Payment XX/XX/XXXX same as previous day, not a problem. Problem began on XX/XX/XXXX when account was about to be paid in full, after you add escrow to account and the extra interest charge on XX/XX/XXXX statement from XX/XX/XXXX of {$250.00}. Carrington took the last payment of {$9300.00} and split it 7 times on XX/XX/XXXX. Carrington took interest payments 7 times and 7 times of escrow payments from 1 days extra payment after receiving regular monthly payment. Customer service blames me the customer for paying down debt on the loan. Carrington website doesn't allow you to allocate money directly to principal after regular monthly payment has been received. But does allow you to add money. I've been actively paying down debt since XX/XX/XXXX, making about 4-5 extra payments a month. Carrington always applied extra money directly to principal, until the loan was about to be paid off. Customer service told me that my account was extended to XX/XX/XXXX. All in the name of paying them interest on the account.
I sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. XXXX and Experian are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

XXXX XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) Experian XXXX XXXX / XXXX Number:XXXX
I recently applied for a modification with CHASE and I was given multiple different reasons for denial and was never given an exact reason. I was even told by a manager that they used a specific amount of income and then was told otherwise by XXXX different people. when I started this program I was only 1 payment past due. I am currently 3 payments past due on my mortgage and all I want is to continue making payments on my mortgage but I do not have enough to make up the past due amount. My complaint overall is that is nearly impossible to understand this process and not to mention CHASE never called me to advise of the decision on the loan they just pushed it back to collections and I had to call and check on why it was taking so long for a decision. I found out that the loan was removed from modification review days before my call. MY Representative promised me a call to advise me of a decision I never received one call from her. I am now 3 payments past due and having to reapply again, I live in Texas so I know after missing 4 payments my property is going to be in active foreclosure or probably already is. I am wanting to keep my property I just can not pay the past due amount. I am having to reapply since I was n't told the accurate reason for denial I finally received the paperwork ( almost a month later ) and I now understand why I was denied and I have to reapply this delay in a process that I believe CHASE should already be on top of should not be happening. I am falling more and more past due and I CHASE will not let me make a payment while file is in review.
I opened up an investigation with ChexSystems regarding XXXX XXXX XXXX. They opened the investigation, and I was told they had up to XXXX days to respond. The credit union did not respond in time, and the item was deleted from the file. I received a letter from ChexSystems stating that the source has certified that reported item is accurate, therefore the it has been reinserted into my consumer file. I contacted ChexSystems and they informed me that the financial institution has XXXX days to submit certification. They never told me that information when the initial investigation was started. As a consumer I should have been advised of an accurate time frame. The credit union had XXXX days by law to verify the accuracy of the information that was being disputed. They failed to do so in a timely manner.
I am disputing the reporting of a 30-day-late payment to the credit bureaus by XXXX XXXX XXXX. This is in relation to an auto loan for which I am the co-signor. The auto loan is my dad 's - it is for his car and he makes all of the payments ( $ XXXX ). 

Something happened where my dad 's payment ( XX/XX/XXXX ) got returned, he didn't realize it, and so he became overdue past 30 days for the month and it was reported to the Credit Bureaus. It was at this point I became aware there was an issue because my credit score took a sharp dip. I was never contacted about the late payment before it was reported. I got in-touch with XXXX/my dad and we got it all worked out immediately. The account was brought back to current within the next pay period ( XX/XX/XXXX ). 

With the account current, I explained the situation to XXXX and asked them to remove the reported missed payment ( just for ME ) but they refused. They said that they do not do courtesy removals per policy. I tried disputing with TransUnion but they told me there's nothing they can do if the creditor refuses to remove the item. 

I am looking to shop for a mortgage soon and so repairing my credit is paramount. This late payment reported by XXXX is the single negative mark on my credit record but has caused a significant drop in my score. I just can't believe I am getting stuck with a detrimental " missed payment '' on my record when I was never contacted about a payment being late prior to it being reported ( on an account that's not even my own, no less ).
First of all, your selection options need to have OTHER, as NONE of your options came anywhere close to my situation. 
In XX/XX/XXXX my husband, my son, and myself went through the XXXX website and chose the XXXX XXXX for five years of mail offers. We printed, signed and sent back the forms per their protocol for processing. Five months later, we are receiving credit and insurance offers again at our new address. I kept sending the offers back and telling them to remove our names from their databases. Most of the time it stopped until XXXX XXXX started harassing us and I filed a complaint against them because they were asking for personal information on my father-in-law, whose name is similar to my son 's. I had to go back into the XXXX website again in XX/XX/XXXX, all three of us filled out the forms for five years of no marketing through the mail and sent the forms in. I've also called the credit reporting agencies each time for all three of us to not be offered anything. 
We closed on a new home in XX/XX/XXXX with a VA Loan. I am the primary on the loan since I have a XXXX XXXX XXXX rating with the VA. Since then, I have received three letters, two psotcards from XXXX   XXXX XXXX, each piece of mail came from a different address, sometimes different state. I have written them back three times telling them to CEASE AND DEISIST contact with us. I received yet another card from them today telling me it was required that I call them on the phone to discuss the issue with my mortgage. They use almost threatening language in these advertisements, and it needs to STOP NOW. Why were they allowed my contact information when I have already sent in forms twice to OPTOUT telling them NO MAIL IN THE NEXT FIVE YEARS? This is harassment. Why are these people allowed to use such language that is deceitful in marketing? They need to be stopped. Who gave or sold them our information? Was it XXXX not doing their job, or was it the credit reporting agencies, or was it my lender? I need to know so I can file complaints against all of them. This needs to stop. NOW.
I have 2 hard inquiries on my credit report from some place called Syncb/XXXX XXXX in XXXX, FL. One is  from XX/XX/XXXX 2018 and the other from XX/XX/, 2018. Their phone number is listed as ( XXXX ) XXXX. I have no idea who or what these are, and they should not be listed in my credit report either. It seems to me my credit was improperly handled and misused by whoever this company is. Can you please take steps into investigating this, and have them remove these from my credit reports, please? 
I am having the same issue with a hard pull from XXXX XXXX in XXXX XXXX XXXX UT on XX/XX/XXXX2018. I am not sure if they are pulling it on their own, or if someone is doing it without my knowledge. Please investigate this one also, and ask them to remove it from my credit reports. Their phone number is listed as ( XXXX ) XXXX. 
Any assistance is greatly appreciated!
We received our Gift card from my mom who purchased the card last year in XXXX. The card was by XXXX, XXXX. This card was purchased in XXXX, Ca. by Mom. We were saving the card for our 25th wedding anniversary in XXXX. My wife checked the balance in XX/XX/XXXX this year and discovered all but {$3.00} had been spent by someone other than ourselves. The card was number stolen and used to buy an item online. We still have the card. We were sent a letter on XX/XX/XXXX. Stating we did not dispute the charge of {$190.00}, never mentioning the car number was stolen and used.
My payment for XXXX was returned. They charged me {$40.00} return fee and {$25.00} late fee. I paid my regular mortgage payment plus both fees and even now they are still saying I have fees on the account. This company is predatory and need to stop fleecing consumers.
Have sent a letter and three emails asking for validation of this debt. Asked for signed contract and proof they legally had right to collect debt, along with bill of sale. Have not received any of the aforementioned documentation. The only item that was mailed in response to my request was a two sentence letter advising how much interested has accrued. No proof of the account has been supplied what so ever. Informed company on my third request that I would be reporting them if continued collection efforts without supplying documentation, I received another collection letter yesterday, still no documentation.
Wells Fargo Bill Payment system has problem causing double payments. I called the bank and explained how their system to edit a recurring payment. Instead of sending out a edited amount, the system sends two payments. I have called the bank and they refuse to accept responsibility and return the extra payments. this has happened two months in a row wit two different edited payments. Below is the response I received from Wells Fargo 's Bill payment department. 

Here is their response " As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part ''.
FAY SERVICING RECENTLY ACQUIRED MY MORTGAGE FROM XXXX, I USE TO PAY {$2000.00} MONTHLY, I HAVE BEEN DELAYED ON MY PAYMENTS BUT ALREADY PAID IT IN FULL, NOW THE NEW MORTAGE LENDER IS ASKING FOR THE 3 MONTHS THAT ALREADY PAID AND INCREASED MY MONTHLY PAYMENT TO {$2500.00} WITH OUT EXPLAINATION OF THE INCREASE, I CONTACTED THE ACCOUNT MANAGER XXXX XXXX, HE RESPONDED BUT HAVE NOT ACTUALLY ANSWER VIA EMAIL MY INQUIRIES, I DONT WANT TO BE DELAYED ON MY PAYMENTS AGAIN, THNATS WHY I WANT THIS TO BE SETTLED AS SOON AS POSSIBLE
I was billed for a computer virus software that I did n't order by XXXX XXXX/Citi Bank/Best Buy on XXXX XXXX, 2015. I called and cancelled on XXXX XXXX. When I called again on XXXX XXXX to see if they had processed the refund, they had n't. Now they say it will be 2 months before it goes through. Meanwhile Citibank/Best Buy is charging {$25.00} a month late fee. This a huge scam to drag their feet as long as they can and collect as much late fees as they can. This will ultimately reflect negatively on my credit report, which is why most people probably just pay the fees. Beware!