WillisBack/dataset-financial-user-claim huggingface dataset:
I have a CapitalOne credit card that I have saved for emergencies and tried to not use it. I went on my CapitalOne site to pay my other credit card and I saw that CapitalOne closed my account. Apparently in my terms and conditions that I read 3 years ago but don't remember everything that if a card isn't used for a while they could close my account. I understand that this applies but there should've been a notice of closure 30 days prior, therefore I would've used my card to keep it active. When talking to the representative he said that a notice is usually sent out 2-4 weeks after an account closes! This is unprofessional as it gives me and other like me the consumer, no time or knowledge of what is going to happen. Now my credit score plummeted because it was closed by the creditor and now I don't have this emergency card. Their answer to all of this, " I should apply for another card. '' This doesn't work for me, I want my card activated again and my credit score to  go back up but CapitalOne is not being helpful. This is a huge scam!
We escrow our taxes through our mortgage company. We got a notice that our house was going to Sheriff Sale for failure to pay taxes. Freedom Mortgage claims they sent in the taxes but the county never received them. When we called to find out what was going on the customer service representative said it had to go through their tax department who can not take incoming calls! Can not take incoming calls?!?!? ITS TAX SEASON Freedom Mortgage is screwing us out of a deduction and they are telling us that they will respond by XX/XX/XXXX. A little passed our tax deadline. We then find out that they sent the payment to the wrong account number to the county. They hold the mortgage to our house and do n't even know where it is! We can not get any resolution to the problem because we ca n't speak to any one in the " tax department '' they have to " call you back ''. This is absolutely the most ridiculous thing I have ever heard! We are going to lose a tax deduction and are going to have to pay penalties for late payment and the best they can come up with is the tax department has until XX/XX/XXXX to respond? We have no where else to turn. These folks seem to think we have hours to spend on the phone trying to get answers! This is a very frustrating issue!
I sent a certified letter to HUNTER WARFIELD on XX/XX/2018 and they failed to respond back within the ( 30 ) day time frame for the 2nd time. HUNTER WARFIELD also continues to violate my consumer rights by deliberately refusing to comply with federal and state law according to FCRA and FDCPA. Therefore, I believe their actions are discriminatory ; due to the fact, this item has been DELETED, RE-INSERTED BACK ONTO MY CREDIT REPORT, REDACTED and RE-AGED in the attempt to collect on an alleged account that they failed to VALIDATE on approximately ( 5 ) occasions according to FDCPA-Validation of Debts 15 U.S.C. 1692g. More so, it is against the law for HUNTER WARFIELD INC to continue reporting a disputed account to the credit bureau ( s ) ; nevertheless, trying to collect on an alleged debt without VALIDATING it first. Also HUNTER WARFIELD INC violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Since HUNTER WARFIELD refusal to respond to my request for validation and their noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act, the Uniform Commercial Code and the FDCPA. ; due to fact, HUNTER WARFIELD INC fail to meet the legal requirements by law. Also, HUNTER WARFIELD is still adding interest on a close account which also violates the FCRA and the FDCPA. Furthermore, I do not believe that HUNTER WARFIELD is licensed to conduct business in my state etc.
PNC is reporting an account on my credit report that is past the statute of limitations and should be deleted from my credit report ASAP.
I am a beneficiary to an IRA account held at Merrill Lynch wealth management. XXXX XXXX, 2017, I completed all paperwork to have my portion of the Merrill Lynch IRA distributed from Merrill Lynch to my XXXX XXXX IRA account. As of XXXX XXXX, 2017 my portion of beneficiary money has not been deposited into my XXXX account.
I opened my account with Care Credit/Synchhrony in XX/XX/XXXX. I used it to cover the cost of XXXX  I had the following month. I was given a brochure at my doctor 's office and applied on-line. It was as easy as could be. I applied for a line of credit totaling $ XXXX and to my surprise, I was notified immediately, after hitting send that I was approved. A credit card was later sent to my home. I was never required to talk to anyone from Care Credit at all. I enrolled in paperless billing and every month I received a notification that my bill was due. I paid the amount requested each and every month on time. I got my balance down to just over $ 10K, but this month, I got a notification, as I always did, but the current balance was back up over $ 12K. I called to inquire. The IVR is terrible and it takes forever to get to a representative. Even when you say representative, the IVR asks to describe why. When I would say something, the IVR would say that it wasn't enough information ... .terrible! I got a representative who advised that the two promotional periods on my account had expired without me paying the full amount owed, so all the deferred interest was added on. I had no idea what she was talking about. She stated that my doctor should've explained it to me. It is completely ABSURD that a healthcare provider would be required to go over any financing conditions with their patients, when the financing is with CareCredit, not the doctor. This is Care Credit 's responsibility, as I am entering into a contract with THEM!! I called the next day and spoke to a supervisor. I offered to pay the balance in full, if they took off the deferred interest, but she said there was nothing she could do. I did end up doing just that - paid $ XXXX last week. I found that XXXX Care Credit was ordered to pay {$34.00} XXXX back to customers for deceptive practices and the terms of that lawsuit back in XXXX. It states that any line of credit more than $ 1K, requires a Care Credit representative to talk to the consumer. A $ XXXX line of credit granted immediately on-line! Too good to be true! I never got any reminders or any notifications that the promotional periods were ending. NOTHING!! Again, I enrolled in paperless billing and listed on the email was current balance, minimum amount due and due date. There should be something in RED on that notice about the promotional period ending. It is deceptive and unfair. I am an accountable person, but this is sneaky business. I am requesting that the deferred interest be removed from my account. 

Thank you!
Dear CFPB- I am writing because I received a property insurance cancellation notice ( attached ) from XXXX XXXX due to non-payment of premium of {$6700.00} by my Mortgage servicer ( Nationstar ) unless paid by XXXX XXXX 2016. 
As per my last mortgage Statement, Nationstar is holding in escrow a balance of {$11000.00} There are XXXX active disturbances in the XXXX that could negatively affect my home and Nationstar Mortgage is risking my insurance coverage either through neglect of with the intent putting me in peril by maximizing leverage of my escrow funds to for their own benefit. 
I have faxed copies of this letter to Nationstar and sent a letter to their listed office of insurance renewals at XXXX and tax notices/bills at XXXX with no reply. 

My mortgage has been re-sold twice in three years and this is the second time in that period that this has happened. 

I expect that since Nationstar has proven themselves to not be reliable custodians of an escrow account and my equity in my home is significantly above XXXX % that I will attempt to take responsibility of payment of property insurance and property taxes. 

Thank you for your assistance with this matter.
I applied for a credit line increase with AMEX during XXXX 2016. When they responded they did not give an exact reason why my credit was declined. I have contacted them several times by phone and in writing asking what specific reason my request was declined. They have never responded to any written letter ( XXXX letters ). I have asked for the name and address of the credit bureau that was used in this credit making decision. They have never reported this information to myself as required my U S Laws. please ask them to respond to my letters and give me the name and address of the credit bureau used in making this negative credit decision.
We was miss advise on how to received a line of credit for our company!!! The underwriter advise us to make a partner 90 % owner of the company so that he would added as the primary on the loan because his credit was stronger. After doing so he sent us back to the same branch where the  Asst. V P of that branch had the second contract already completed for and ask my partner to just sign it ... ....     After 2 days the underwriter call and said he was not going to be able to approval the loan, but he was not going to denied the loan ... ... ... ..     So we are now losing several major projects and money!!!!!
Good afternoon! I would like to file a harrasment and discrimination complaint. 
Last Tuesday I filed a complaint for SPS, inc, their representatives/relationship managers ( rel m, ), and their employer, XXXX XXXX. We were having a hard time receiving an answer for a short pay off offer we made a month ago. Today, for the first time in all this time I 've been trying to reach her with no luck, I receive a phone call from my assigned relationship manager, the one I never found every single time I called. Saying the offer was denied by the owner of the property ( XXXX XXXX ). I was shocked and asked why so soon, last Monday they said it was going to take a week ; what hapenned? She said that owners said NO. I asked her a couple of things, because I was told by one of the rel. m before, that in case our offer was n't accepted they will suggest what they thought was a reasonable amount for us to consider as a better pay off and I was ok with that because at the time we only had a specific amount, not more. So we were preparing even for that. I kept asking why if I was told at first that our case goes directly to a specific Collateral file team Department, why after that, it was also sent to owners? She said the SPS team had the case almost for approval but their boss wanted to show it to XXXX XXXX for them to decide, and because we stood by our only one offer and not more, they said no inmediately, and wanted the house to go on with foreclosure. SPS, inc analized the case and was about to give us ok to go on with the deal, but received a NO from the owner XXXX XXXX, ( I do n't even want to think was because of our complaint, they prefered not to help ). She even said that it was true, sometimes XXXX XXXX and other employers, come forward with a higher amount, and takes them a couple of days to decide, but this was a No at first. We would definitely like a reconsideration and hope they are not receiving offers from others to buy the property at a better price. That 's harrasment, not giving us opportunity after all we 've been thru.
I refinanced my loan with another company and closed on XX/XX/2018. I have yet to receive my escrow monies in the amount of XXXX from my old company Statebridge. I called on or about XX/XX/XXXX and spoke with a woman named XXXX who stated I could not talk to anyone in that dept, but she would open up a inquiry and call me back when she received an answer. I asked to know when it was being sent to me. After no communication I called again on XX/XX/XXXX and spoke with XXXX who told me it was still being processed and could give me no date on a issue. She did verify my refund amount at the XXXX.
Midland Funding LLC is trying to collect on a debt that does n't exist. No where on my credit is this debt.
The hospital made a mistake and did not tell the XXXX department that this was a charity case from date of service due to non billable health insurance. 
I was never contacted by the collection agency before information was reported to the collection agency. 
I contacted A/R Resources collection agency I told them I do not owe this bill and to contact the XXXX department and they did not use proper collection protocol before reporting to the credit bureau. I have faxed over proof that I do not owe this bill and they are refusing to remove from my credit report.
Equifax is reporting a judgment : XXXX/XXXX/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me.
Experian is reporting a lease under the name XXXX and says I'm behind and the total balance is XXXX I've done business once with XXXX  and I paid it off and that is showing on my report I have no idea what this other account is it's not mine I've disputed this account and asked for proof I have not gotten any results back but it says on my report that it's verified as accurate.
I have been placed on collections by : LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX   XXXX XXXX , SC XXXX ( XXXX ) XXXX-XXXX.. 

I requested documentation proving this account beloved to me, and have not heard from them to this date. The company is showing in my credit report and is unable to provide written documentation i have requested to me.
Your problem definitions do not cover this issue. I continue to receive calls on my phone from " unknown '' callers or banks I have no business with asking me to call them. When I do call I get " SYNCHRONY '' bank payment line. You go through an extensive automated system and when you enter the extension it says enter the last four digits of your account number. Ok I have about 8 accounts which one- duh? Under the FDCRA they are supposed to identify who they are and the purpose of the call. They do not do any of this. I do NOT answer unknown callers due to spoofs.
I dispute to student loan accounts on my credit report that is being investigated by the federal government under the Borrow Defense Program through www.studentaid.ed.gov. Under these terms, I have the right to request a stop collection on any student loans on my credit report. I have disputed these twice and I have provided the documentation detailing this to Equifax. Equifax has refused to remove these items from my report. I was told that they investigated my loans under a fraud investigation based on an alert that XXXX  put on my credit report. I explained to the reprsentative that Equifax did not review my documentation correctly, nor did they review the supporting documentation correctly. I am requesting that these loans and any future collections regarding these loans be removed from my credit report immediately. This is the message I submitted to Equifax : I am requesting that these accounts be removed under the federal government 's Borrower Defense Program : Stopped Collections Status. See borrower defense section at www.studentaid.ed.gov. Please remove the below accounts off of my credit report. These accounts are being investigated by the federal government under the Borrower Defense Program, the school I attended misled and engaged in fraudulent practices that resulted in me taking out these current loans. I have attached documentation for your company to review. XXXX Account # XXXX Account # XXXX
We currently have XXXX mortgages with Wells Fargo that are VA loans : Property # XXXX is in the process of a Deed in Lieu of Foreclosure and Property # XXXX I am attempting to do a loan modification for to retain it as my primary residence. This process has been going on for over 18 months. I am having trouble with Wells Fargo in completing this. For property # XXXX, they required an occupancy inspection last XXXX and they were going to pay for it. The inspection was done but they did not pay for it I finally did in XXXX XXXX and sent them the report to finalize the process. In XXXX XXXX, they said they could not complete it due to a lien against the mortgage. They gave us the info and we contacted XXXX XXXX. They did not have a lien against that property and it was a hassle getting it straightened out. In XXXX, they send a letter saying they will have a resolution by XXXX XXXX and then another letter stating they 'd have one by the XXXX of XXXX. The loan modification for property # XXXX is in limbo until Property # XXXX gets resolved. I applied for a loan modification last year, paid a monthly forbearance from XXXX XXXX until XXXX XXXX. The one for XXXX was sent back and I was told that it is in Foreclosure status. I spoke to a representative that said to reapply for the loan modification. My issue is that I speak to different representatives, leave messages with no return calls and am disrespected. We have done what was asked of us by Wells Fargo and are led in circles with no resolution. I was told that I was safe from foreclosure on property # XXXX until property # XXXX gets resolved. The financial hardship began in XXXX when we divorced and I retired in XXXX XXXX from the XXXX XXXX. Property # XXXX was being rented until the tenants did not pay their rent and we could not afford to pay it for a period of 12 months. We had mortgage on property # XXXX, which was the primary residence of my ex-husband, and I was paying living expenses while XXXX. 
In XXXX XXXX, we receive paperwork stating that we have to do the process again to request a Deed in Lieu of Foreclosure for property # XXXX. This was at the final stages prior to them telling that there is a lien when there is n't. 
For property # XXXX, I am told to submit paperwork, like paystubs, request for mortgage assistance and XXXX to see if there is any financial changes. Nothing has changed, I am just waiting for property # XXXX to get settled in order to have my loan modified in my name. They also charged the lawyer fees to my delinquent payments that are in excess of {$1000.00} when it was them that hired the lawyer. 
I appreciate your assistance in aiding me keeping my home and for dealing with the sticky red tape with Wells Fargo.
My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.
I have a car loan with XXXX XXXX since XXXX XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XXXX XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a XXXX XXXX. I negotiated with their Lawyer 's and received a lower interest rate and lower monthly payment. The Bankruptcy was Discharged XXXX XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XXXX XXXX time frame with the last dispute in XXXX XXXX. Since this car loan has been paid, on time, since XXXX XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a XXXX   representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with XXXX and TransUnion and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.
I made my payment to this company on XXXX for the mortgage due on XXXX. I 've paid them every month and would be current and only have to pay for the month of XXXX. They informed me that they sent my payment to the originator of my loan without informing me or discussing the situation. The originator of my loan was paid in full with no money due, however The Money Source still states that I owe them. I 've have bank statements that prove I 've paid them and would only be due for the month of XXXX. They have reported these inaccuracies to the credit bureau which has harmed my credit.
I am in the process of trying to close on a mortgage. The seller, XXXX XXXX, who will also be filing a complaint, refinanced the house appx 7 years ago. The original lien-holder, Dovenmuehle Mortgage Inc. filed the release of mortgage incorrectly. When the title company found this when she was trying to sell it to me, they contacted Dovenmuehle to get them to send in a correction. This was in XXXX. There have since been at least XXXX corrections filed, all incorrect, and clearly in violation of the Residential Mortgage Satisfaction Act. I am asking for help in getting this mortgage released so that we can continue with the closing process. The title company XXXX in XXXX, Oklahoma has repeatedly asked for a copy of the release before it is filed to make sure it is correct, and Dovenmuehle has refused every time.
I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.
I've been dealing with navient for the last 12 years trying to get my payments down am I lying down the amount on my loan is the same amount from the day1. I took out a loan in XXXX for XXXX this is XXXX the amount I owe is still XXXX I've been paying {$200.00} a month every month. I stopped paying them about a year ago because I couldn't afford it anymore