WillisBack/dataset-financial-user-claim huggingface dataset:
I was tricked into getting this card. when I got the offer, I called to ask when the XXXX payment would be due if I purchased that day XXXX and was told XXXX. Nope XXXX bill was due less than 30 days and there is " no grace period '' before a late fee is assessed. 
So after negotiating late fees and interest after no other charges have been made since XXXX, I have had to call every month to get a late fee waived due to how I am paid ( bi monthly ) and the due date. 
My bill is now {$110.00} with a {$35.00} late fee due to my missing the min payment by {$4.00} and I am being assessed interest on no new balance. 
I advised I could pay the balance owed MINUS the late fee and interest and they refused to waive the fee. 
I was also advised that my refusal to pay these XXXX fees would reflect on my credit report as a balance due. 
1. CAPITAL ONE are frauds 2. They have no grace period 3. They prey on the poor 4. I was told interest was charged on new purchases 6. I was told in my last conversation with capital one on XXXX that I had a grace period. 
7. I continued to state that the XXXX would be the better due date if I paid the bill from my XXXX pay. 
8. I have {$77.00} for you. Nothing more.
This is the second complaint I am issuing related to my mortgage holder. As mentioned in my previous complaint, we entered into a Chapter XXXX Bankruptcy in an effort to keep our home and get back on track. Our Chapter XXXX was discharged this past XX/XX/XXXX. We maintained our commitment and paid our monthly mortgage consistently for 5 years as part of our agreement. In XX/XX/XXXX my husband reached out to Wells Fargo to discuss the potential of moving our monthly payment to the XX/XX/XXXX of the month as he is XXXX XXXX and receives his XXXX check the 3rd week of every month. He called, went to a local branch with all telling him that they could n't speak with him but would document. Since that time, we again, consistently made our payment on or about the third week of every month. <P/>Today we are trying to refinance our home in an effort to decrease the interest rate. In that process, we have consistently received reports that Wells is reporting us as late payment with a total of XXXX in late fees. <P/>XX/XX/XXXX, when inquiring for a reconciliation of our payment history, I was directed to submit in writing a request for a complete reconciliation of the payment history and inquiries related to our loan. I received official notice that it would take approximately 10 days. I received a letter from Wells that the date for the review completion needed to be extended to XX/XX/XXXX. Only after I submitted an official complaint through the CFPB did I receive a call advising me they received my complaint, however, the account audit / reconciliation was still not complete. On XX/XX/XXXX, the Wells representative that was handling the complaint, notified me that she still did n't have resolution. On Friday XX/XX/XXXX, I contacted this same Wells representative. She advised that she still did n't have however, I offered her a resolution. I asked if Wells could move our payment to the XXXX of the month and reflect that my previous payment history could reflect consistent on time payment for the last year. She did advise that she would research that. <P/>Today I was alerted that our refinancing attempt was declined due to Wells reporting late payments for the last year. I was also informed that our ability to refinance with any financial institution ( including Wells ) would be impossible until this was resolved. I find this unacceptable and complete unfair practice. Remember I was in a 5-year plan for the Chapter XXXX. NOT once did Wells reach out to rectify or alert us that we would suffer this devastating diagnosis. Also, I might add, the Chapter XXXX was discharged OFFICIALLY in XX/XX/XXXX on the record. <P/>I would strongly urge anyone entertaining doing business with Wells Fargo mortgage, NOT.
I filed a dispute with XXXX for a company in XX/XX/XXXX. After XXXX investigated they informed me it was accurate and they updated my credit report to show I opened the acct in XX/XX/XXXX of this year. The collection agency is collecting for XXXX who I currently have service with and when I contacted XXXX they informed me that their system is not showing them an account being opened with them in XX/XX/XXXX with a Balance of XXXX.
I allowed Quicken Loans to check my credit once in early XXXX of 2015 as I was shopping for a refinance opportunity. I checked my credit report and found Quicken Loans has made several additional credit checks since the first and only XXXX that I authorized. My credit score has dropped due to their repeated credit checking. After the original credit check with Quicken I told them I was not interested. I wish to file a complaint against Quicken Loans and request they have the credit bureau 's remove all the additional credit checks they made following the first and only credit check I authorized.
my mortgage started on 2008 with XXXX XXXX, after 3 months they switched me to GMAC Mortgage. Since that time my monthly payment was {$770.00} which includes tax and insurance and I have no problem with them. Approximately 2 years ago GMAC Mortgage became bankrupt and they switched me to OCWEN Mortgage now is when my problem started, they increased my monthly payment to {$840.00}. When I called them they told that I have a shortage in my escrow and I have to pay {$330.00} right now. I paid it on the same day with a {$16.00} fee but my monthly payment has n't went back to {$770.00}. Since 2008 the taxes in my area decreased and my home insurance also decrease. Why did they increase my escrow. Why did n't this problem happen with the my old mortgage. Please they have very bad customer service. I am a student and I cant afford a lawyer to speak to them and that 's my problem. I hope that you can help me and thank you so much for helping all of us.
This complaint is in reference to a Barclay account. On XXXX/XXXX/XXXX I sent a request certified mail for a copy of the ACH/electronic payment authorizations ( see attached Barclaycard Letter to Send Request, Barclaycard certified mail receipt and BarclaycardletterforACH ) because this account seems to have been confused and link to a bankruptcy that I filed in XXXX ( see attached BarclayBKACHaccount and Barclayincorrectinfo ) I have not heard anything back from Barclay in reference to the request for ACH/electronic payment authorizations. I checked in person with the Post Office on XXXX/XXXX/XXXX it has been delivered to the P.O. Box but never pickup. I used the address provided by Barclay in the CFPB complaint response # XXXX at the bottom of their letter Card Services P.O. Box XXXX XXXX, DE XXXX Also I disputed both of these accounts with the CRA 's. The Barclay account # XXXX, this is not even a valid account number with any accounts that I ever had in XXXX. Nor did I pay an account off with Barclay in XXXX. 
Barclay Account number ending # XXXX was link to a bank account for ACH/electronic transfer that was listed in a BK in XXXX.
THE NEWS HAS REPORTED THAT EQUIFAX INFO ON MORE THAN 140 MILLION PEOPLE WAS  COMPROMISED IN XXXX. DOES NOT EQUIFAX HAVE THE RESPONSIBILITY TO NOTIFY THOSE WHOSE INFO WAS COMPROMISED? WE SHOULD NOT HAVE TO SIGN AWAY OUR RIGHTS TO SUE OVER IDENTITY THEFT TO FIND OUT ( WHAT PEOPLE ARE REPORTING ON XXXX XXXX.
My name is XXXX XXXX and I had XXXX XXXX at XXXX in 2017. Since then, my wife and I have had a loss of income because of time missed from work and medical expenses. In addition, my medical premium went from {$150.00} to {$600.00} per month. I am currently on my 6th month of XXXX and I have 6 more months to go. 

I have struggled off and on to keep current with this mortgage, due to my XXXX XXXX, and I have always managed to keep it. However, after this unexpected XXXX and treatment I need help with the 2 payments that are past due. In the beginning of the workout I was given a 12 month repayment plan and I was able to pay back 6 months of it. But it was becoming to difficult to maintain the higher payment. I was working with XXXX XXXX during this process. But in the middle of my repayment plan they cancelled me due to non-payment, which was their mistake. They had 2 different escrow increases for my payment that I was not aware of. So I shorted one of my payments {$100.00} without knowing. They kept sending me letters as if I was the one who messed it up. I did not. I did not default on my repayment plan, they made a mistake. But then I told them that it was not affordable any longer and that I needed some assistance that was closer to my regular payment. I requested medical assistance, and can you believe it? No help for XXXX patients, none. So sad. 

I begged and pleaded with them that I can only afford my regular payment and that I would like the 2 past due payments placed in a medical forbearance or deferment. They said they do not offer these. Again, I am on XXXX and all I am asking for is that those 2 payments be paid back over 2 years. Or until I am healthy enough after XX/XX/XXXX to move or sell my property. They have not offered me anything I can do while I am on XXXX. They also switched my point of contact to XXXX XXXX, without notifying me. I left him a message yesterday and I no one is helping me. 

I will file chapter XXXX bankruptcy if I have to, to save this property, I will. But I think it would be easier for everyone if we came up with a reasonable solution that is not so health invasive for me. As I am already overwhelmed and tired from treatment. 

I am asking for the past payments to be spread our over 2 years. Thanks for your help.
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of  COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Having been paying on wedding ring faithfully every month. There have been a couple of months that the payment was made  but Capitol One proce ssed it a day o r two late,  so therefore they hit me with last payments and fees and they keep racking them as I am only paying the amount that I agreed to when I signed the contract. Tried speaking with them and they state they can only go back a year, which would have been   XXXX   XXXX     and during that time the payment was processed late twice, however, they will not let me know what the payments were before that time. My credit has been highly affected by this. I have spoken to my attorney about this and he suggested I contact you as I am probably not the only person they are doing this to.
The account below is not mines. i have attached disputes sent to AG of Florida. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00}
Our auto loan company, Regional Acceptance Corporation, calls us XXXX times per day. They also call our work and they 've been told not to. We set up payment arrangements with them but they continue to call. I also told them I work XXXX shift and sleep during the day. They usually start calling around XXXX I will attach the letter I wrote to them this morning that specifies more details.
yes, i applied for a td bank pre paid credit card and the banker at XXXX XXXX XXXX, XXXX, NJ XXXX said i would be ok with this. he helped me and was very nice.
however, td bank stole my money, this secured account was overdrawn illegally, and i never got the prepaid card i was approved for and i lost hrs of my time XXXX $ and my credit suffered.
td bank has again stolen my money with incompetence.
additionally i always put money into td bank change and that was a scam and a fraud from td bank and i demand an accounting of all the change i used in their money machaine.
I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
went to pay XXXX on phone-said i couldnt acct had gone to citibank-called citibank sad i didnt have to pay in XX/XX/XXXX and there would be no interest as i always paid account in full. got bill fron citibank with interest on it. called said 1st person told wrong info and there would be interest. asked for something in writing said they couldnt give me anything just dont pay. called again told dont pay interest but cant give anything in writing anf must pay total to not be charged next month when innterest credit will be taken off. asked for superisor told none available but would have one call some time. .filled out on line questionnaire with all this info got no response.
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.
XXXX continues to collect and litigate despite dispute as to liability in violation of the CFPB 's Join Consent Order against XXXX ( FDIC-XXXX, FDIC XXXX, XXXX ).
I start making payments to XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX on time for the amount of {$100.00} a month, and XXXX funding they said that already report all payments on time but is not in my credit report I want Equifax credit bureau to credit my report pay as agreed for all payments I have made on time to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.
I signed up for the XXXX XXXX XXXX XXXX Chase Credit Card in XXXX 2017. I signed up via their website, which clearly stated that I would earn XXXX bonus points after spending {$1000.00} in the first three months of account opening. I do have a screen shot showing the offer that was made to me. I ensured that I exceeded the {$1000.00} of spending in the first three months of having my account opened so that I could earn these bonus points. However, the XXXX bonus points were never provided to me after several months of waiting. I then contacted Chase about the missing points. They informed me that I had signed up for a sign-up bonus of XXXX bonus points after exceeding {$2000.00} of spending in the first three months of the account. I tried speaking to different people inside of Chase via their secure messaging system, but everyone refused to help me. The problem is what their systems say I signed up for and what I actually signed up for are different. This is a " bait and switch '' scam that they are running, either knowingly or unknowingly. I was never informed of needing to spending {$2000.00} to earn my bonus points. I believe Chase needs to honor their initial offer to me of XXXX bonus points and that the CFPB needs to look into why Chase is offering potential customers one sign-up bonus, but then switching them to another sign-up bonus without their knowledge. Thanks! XXXX XXXX
Greetings I have a account with Coinbase, IncAddress : XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXX I went to XXXX and received a email from coinbase that my account was closed because I was in a use sanctioned country so when I come home to XXXX I sent them my passport copy and driving licence as proof I have emailed them numerous time without success They tell me to Follow this link to view the status of your case and add additional comments : XXXX XXXX XXXX the only goes to support not to my case could you please assist.
Pro Collect is trying to collect on a debt that does not exist. After moving from The XXXX Apartments I moved in good standings and received the deposit back. I have explained this numerous times and they will not even look into it. Customer service is very rude and demanding payment.
I just received a notification from XXXX that a collection was added to my credit reports. According to XXXX it was reported on XX/XX/2017 but I never received a dunning letter and got the notification that it was added to my credit reports today. I googled the information XXXX provided and found out the address/phone number of this company. The amount is for {$180.00} but I do n't know who I supposedly owe.
After being injured XXXX on the job, I went back to school and my mom co-signed on private student loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no problem paying the monthly bills until my mom died last year, 2014. I wrote to AES/NCT repeatedly, contacted the original lender, XXXX, paid every amount third party collection agencies, such as XXXX, XXXX, asked. AES/NCT refused to extend a reduced payment plan that enabled me to pay my rent, bills, buy food, and pay AES. They said NCT refused ; however, when asked, AES said NCT does not hold the original loans, they do. They referred to NCT as the lender. I contacted XXXX XXXX ( CEO ) of AES and XXXX XXXX ( CEO ) of XXXX. So far, AES/NCT is refusing to deal with XXXX ( even though I have given my permission to speak with their Liaison ). They did not have a third party collection agency contact me about loan sequence XXXX and it went into default. I am not employed. I am a XXXX candidate just months away from completing my dissertation and they will not work with me and let me pay what I can afford. I am XXXX years old and so far, have been able to keep everything current until now. Because of the default, I can no longer get a XXXX loan to complete my degree and AES/NCT keep giving me the runaround but will not reduce payments to what I can afford.
I have a loan with US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and US BANK with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. XXXX XXXX
I have a mortgage with CitiMortgage. They went up on my mortgage to the point that it was almost impossible to pay. I asked for a loan modification and they asked me to stop making my payments for 90 days. I did everything that they asked me to do. while I was doing what they asked they were behind my back the whole while trying to foreclose on my home. This has been going on for a while. They continued to ask me to send them the same papers over and over again. I send them the papers and the process just goes on and on with the same results. This is a conspiracy. PLEASE HLEP ME!! They are stealing my home from me. Many of my payments were not reported and Escrow money was stolen
There was fraud on my credit cards but they refused to listen or remove the balances. Now I am homeless.
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT ANOTHER RECOVERY COMPANY HAS ALREADY COLLECTED.I DO NOT HAVE A CONTRACT WITH THIS COMPANY
I initiated a credit investigation with XXXX  and Trans Union back in XX/XX/XXXX. We're now into XX/XX/XXXX, and I have yet to receive the results. I was supposed to have them inside of 30 days.
In XX/XX/XXXX, my husband made a purchase at an online retailer with XXXX. The credit card issuer is XXXX XXXX XXXX. I receive paperless statements, and went to my online banking system to pay them. This account is used once or twice a years. My online bank indicated I paid the bill on the XXXX of the month, which was outdated information. The due date apparently was the XXXX. The full balance was paid, 3 days late. In my mind, I paid the bill, and forgot about it. XXXX XXXX through XXXX XXXX  contacted me at my email, ( which I never received ) indicating that I did not pay my bill on time, and continued to assess late charges and fees. When I was alerted by Equifax, on or about the XX/XX/XXXX that this was on my credit report, I called XXXX, and settled the dispute with them. They erased all charges. I spoke with two different representatives that told me they could not contact the credit reporting agencies on my behalf, and gave me an address. I wrote a letter, and copied Equifax and XXXX. I received an email from XXXX, which is attached, and I can not open the response.
I was turned down to co-sign on an auto loan for my son because of false and inaccurate information that TransUnion put on my credit report. The turn down letter indicated that I was turned down for limited credit experience. TransUnion said time since last account opened is too short, length of time accounts have been established, and I had too many inquires. I have attached the turn down letter as well as my TransUnion credit report from XX/XX/XXXX. As you can see from the credit report I have a credit history that goes back to XX/XX/XXXX, it details XXXX accounts that consist of mortgages, car loans, and revolving credit accounts. NOT ONE PAYMENT on that report has even been LATE!! I have XXXX account opened in XX/XX/XXXX, XXXX were opened between XX/XX/XXXX - XX/XX/XXXX, and XXXX are from XX/XX/XXXX to present. Regarding inquiries - I had XXXX in XX/XX/XXXX and XXXX back in XX/XX/XXXX that related to the purchase of my most recent home. So, does their statement to XXXX saying that the length of time that my accounts have been established affects my credit score of XXXX, and my XXXX inquires in the last two years are too many?!?!?!?!? When I spoke to two people at TransUnion, they saw nothing wrong with any of their statements. I asked them if I should have been turned down for limited credit experience because of the obvious false and inaccurate statement that they made on my credit report and both of them kept saying well ma'am you do n't understand, it was based on the model that they chose. Regarding the length of time my accounts have been established is too short - my credit report goes back 22 years, how much more time do I need to not be considered TOO SHORT!!!!!!!!!!!! 
I can only imagine how many other people have this happen to them. This is totally unfair and inaccurate reporting according to the Fair Credit Reporting Act. This whole way of reporting looks like it need to be totally reworked so that the statements that the credit reporting agencies make on their reports to potential creditors is true and accurate based on the information contained in the report, no some computer " model '' that some XXXX wrote. Just a little personal information about myself, I am XXXX years old, have been on my job for 33 years, and actually opened my first credit account back in XX/XX/XXXX.