WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, In XX/XX/XXXX I prepaid ( with my own funds ) for a capital one prepaid visa. This was for the purposes of needing emergency funds. This was my money. It was never a credit card nor was it any responsibility for Capital One to provide any credit to me. 

When I finally tried to use the card, it was declined ( it was my own money so I'm sure you can imagine how frustrating that would be ( and embarassing because I was at my doctor 's office in front of many other people. 

It wasn't until XX/XX/XXXX that there was a misunderstanding on my part. I received many many months of junk mail from Capital One and continued to toss it in the recycling bin each month. Unfortunately, I wasn't paying attention ( my mom died and I was XXXX XXXX for which I have medical confirmation if needed ). With all of their junk mail, I didn't see the mail with a {$55.00} charge until it was too late. Capital One reported a 30 day late notice on {$55.00}. 
You will notice on my credit report, that I don't have any other 30 day lates so it's not like I'm a deadbeat who doesn't pay her bills. I've asked Capital One to remove it 2 times given the minor oversight on my part and the fact that it's only {$55.00}. They will not. I've asked the credit bureaus to try and remove. They will not because Capital One says it's a valid report. Capital One says they are required to report it due to the Fair Credit Reporting Act. Well, for {$55.00}, it's about as unfair as unfair could be. Which is ironic since they are hiding behind the " FAIR '' Credit Reporting Act. 
My request to you is this : Can you please find a way to remove the {$55.00} Capital One- 30 day late? For the past 2 years, it has greatly impacted my ability to get a car loan, home loan, credit cards ( up until this year ). I understand I made a mistake but for {$55.00} it's costing me thousands of dollars in terms of car loan % rates. Again, this was my money all along ( other than the {$55.00} ). They EARNED INTEREST ON MY MONEY for 16 months until XX/XX/XXXX and then again for another 2 years, with no risk on their part at all. Again, this is not fair. 
Thank you for your assistance in this manner, XXXX XXXX XXXX
Chase is refusing to give me a copy of the appraisal. 

loan : XXXX XXXX I want a copy of the appraisal. They are violating the Appraisal Disclosure Notice.
Recently I mailed the " Annual Credit Report Request Form '' ( found on the CFPB 's website ) to the address on it and requested copies of my XXXX and TransUnion credit reports. I have a pending CFPB complaint about XXXX not providing corrected or timely copies of my report to me. Therefore, this complaint is about TransUnion 's failure to provide me with a copy of my report in response to my request for one as described. I received a non-specific form from somewhere in XXXX ( XXXX again? ) demanding my social security number in order to get my free copy of my Trans Union report. No credit agency is allowed to keep, use, store or provide my social security number to XXXX parties. I have not granted TransUnion this permission and will not, given that its interest in making money off of my personal information is contrary to my interests. Moreover, I have lived at my present address for over a decade and Trans Union has sent copies of my report to this address during this time. Although I supplied my birthdate on the form, as noted in my pending complaint against XXXX, however, it illegally maintains a false birthdate for me and has refused to investigate it, to remove it, or even to reveal the source of it to me so that I can take corrective action. So, possibly, XXXX illegalities concerning my birthdate, may also be preventing me from getting a copy of my credit report from Trans Union. But for whatever, secretive reasons, TransUnion has not provided me with a free copy of my credit report, despite the fact that I requested one.
Opened my Capital One credit card never was late on a payment. After I start noticing issues with my bank I still never missed a payment closed that account and opened XXXX Bank. In XX/XX/XXXX I called to make a payment and the customer service rep told me just pay out of my account and I was explaining to him I did n't want to do that with all the issues I was having and I did n't want my payment late he assured everything was ok. I went to my bank had them send a letter to Capital One verying my account and number to make the payment I call back to Capital One and I 'm told my account is closed within XXXX minutes. I have called severs times talking with managers account XXXX and collections and have gotten nowhere. I feel what they did was so wrong especially since they were aware of my issues and I asked not to try and take the payment out my account. They closed my account and has not returned my security deposit to the date. I would like a fair chance and investigation and to fix my credit.
Dates to XX/XX/XXXX when we received message from XXXX, with XXXX XXXX XXXX, XXXX that we ow {$350.00} on XXXX XXXX account. I returned call explaining that account was cancelled & if this was final payment on XXXX I was happy to honor the committment. Claimed it was auto renew - I told them to produce an original contract where I agreed to auto renew. Several days later got bill from XXXX XXXX XXXX ( XXXX XXXX, AR ). 

XX/XX/XXXX - wrote certified, return receipt letter ( with certified, return receipt copy to XXXX XXXX ) - recounted phone conversation ; repeated offer to pay {$350.00}, BUT must have assurances that this terminates association. 

XX/XX/XXXX - wrote certified, return receipt letter to XXXX XXXX XXXX with Rauch-Milliken ( XXXX, LA ) in response to his form demand dated XX/XX/XXXX, recounting situation with XXXX  and XXXX XXXX XXXX, including offer. Stated, " Now that you wish to threaten legal action, you may no longer contact me directly for any reason whatsoever. All contacts with your firm must be through our attorney, XXXX XXXX... '' XX/XX/XXXX - wrote similar letter, certified, return receipt to XXXX XXXX in response to another form letter demand. 

XX/XX/XXXX - wrote similar letter to XXXX XXXX, Rauch-Milliken,  certified, return receipt. 

XX/XX/XXXX - wrote certified, return receipt letter to XXXX XXXX at Rauch-Milliken referring to my letter of XX/XX/XXXX. Said in this letter, " Consider this a cease and desist letter under the Fair Debt Collection Practices Act. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney General 's Office. Civil and crimimal claims will be pursued. '' Since that time I have received calls on XX/XX/XXXX at XXXX. When not answered, they called right back, demanded that I speak to them and then hug up on me as I was telling them to stop. 

Received additional phone messages on XX/XX/XXXX and XX/XX/XXXX - advising us to retain attorney, etc.
I have contacted XXXX XXXX credit regarding accounts XXXX IN THE AMOUNT OF {$2000.00}, XXXX IN THE AMOUNT OF {$920.00} and XXXX IN THE AMOUNT OF {$2000.00} on 4 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX XXXX whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.
This is in reference to XXXX XXXX Payday loans.XXXX XXXX 2017 XXXX XXXX from XXXX XXXX under the company called the XXXX XXXX in XXXX, South Carolina called all of my references and she left messages on their answering machines explaining how she is going to garner my wages and take me to court, she also said that some people were going to my property and I had to submit some papers. XXXX XXXX called XXXX XXXX one of my references, and told her she was taking XXXX XXXX to court and I have all of this on a voice mail and XXXX XXXX will submit a letter to that effect. When I called XXXX XXXX back I did curse because she called my references and gave out my personal information she said my mother was a XXXX. When I called the company back I asked for the address of the company and I asked them to review the tape. I also advised them never to call me again and to send correspondence through the mail. They still called my phone the next day. I am very upset and so is my mother, and all of my references. They are constantly calling and harassing my phone and my references. I called again to get the address to the company and they would not give me that information and once again I told them never to call me again..
I applied for a XXXX with HSBC in XX/XX/. After I submitted the application I never heard back from them. I forgot about the application until one day I checked on my credit score and according to XXXX, there was a hard pull from HSBC onXX/XX/XXXX. I called XXXX  and was told that I had to call HSBC to remove the inquiry. I called HSBC at least 3 times last year trying to resolve this problem. However, I got transferred to different departments every time and not a single person could find any record of me or the application. I am still confused what had happen on their end and would like the hard inquiry to be removed - or at least they should have told me if I got approved or not.
Transunion did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA
I have been in a debt management program for XXXX years until just this month decided to leave the program I am leaving the program because I am trying to refinance my home. The payments I was making in the debt management program would not allow me to refinance because my debt to income ratio is too high. After I left the program I was looking for the credit card companies to lower my minimum payments down to their normal calculation or by law. They are refusing to lower my payment. I have faithfully made my payment under the debt management program on time reducing my balances from {$70000.00} to {$11000.00}. I have talked with Bank of America up to the management level and they say I must continue with the minimum payments that they set XXXX years ago.I will continue to pay more than the minimum but I am in need to get the minimums down to be able to refinance my home. I currently owe Bank of America roughly {$4500.00} on XXXX accounts paying them {$520.00}. per month. If recalcalcuated payments would be no more {$90.00} per month. I am having the same problem with XXXX XXXX.
THIS COMPLAINT INVOLVES FRAUDULENT AND DECEPTIVE PRACTICES BY BANK OF AME RICA HOME LOANS , IN  XXXX , CA, THE SUBSIDIARY OF BANK OF AMERICA THAT TOOK OVER THE TOXIC MORTGAGES OF THE FORMER COUNTRYWIDE MORTGAGE COMPANY IN CALIFORNIA. This situation is well known to the CFPB.   Bank of Ameri ca Home Loans was responsible for providing assistance to the people who were losing their homes because of the toxic C ountrywide Mortgages. In many cases, those Mortgages were sold to   XXXX   XXXX   and   XXXX   XXXX   sent the Mortgages to  XXXX .  XXXX  is now being sued in a  huge Class Action la wsuit for illegally raisin g the Lender-Placed Insurance to high levels suddenly. But it was Bank of America Home Loans that originally hired that Insurance Company , and  XXXX  was blamed for something they could not solve.   THIS COMPLAINT IS ABOUT AN EVEN WORSE PROBLEM WITH BANK OF AMERIC A HOME LOANS. Some of the original toxic Countrywide Mortgages were taken over by Bank of America Home Loans, and were NOT given to   XXXX   XXXX  . Bank of America DENIED the assistance offered by HUD and   XXXX   XXXX  , and in stead offered to " help people in trouble '' by themselves.   In thi s one sit uation, a  XXXX  Senior Citizen was having serious trouble making her monthly payments to Bank of America   Home Loans. She asked them for assistance and they offered what SEEMED TO BE a good arrangement, of Refinancing the existing loan, stretching out the payments to a maximum of 60 years, and reducing the Interest Rate to 2 % the first year, 3 % the second year, and 4 % for the rest of the Mortgage term. The homeowner agreed to those terms, and was visited by a Traveling Notary Public who rushed the homeowner to " sigh here, '' " sign here, '' etc. at a very rapid pace, through a mountain of Mortgage documents.
The Homeowner WAS NEVER TOLD that Bank of America Home Loans was going to ADD {$14000.00} TO THE LOAN PRINCIPAL in that " Refinance. '' The original loan was only {$35000.00}, the Homeowner had been paying that loan monthly for years, and NOW the Homeowner is NOW STUCK with a hugely high {$59000.00}   Mortgage amount. Pl
  us,
Bank of America also raised the Lender-Placed Insurance t  o a much higher level, just like in the current Lawsuit against  XXXX .   The  XXXX   Seor Citizen Homeowner i s living so far below the poverty level that she receives  XXXX   XXXX . And this person is me.   This investigation CAN NOT be delayed, because, even in this case as described above, the Homeowner is WRONGFULLY paying much more each month than she would have paid per month if Bank of Am erica Home Loans had not ILLEGALLY increased her Principal to almost DOUBLE what it was before the Refinance, and th is also is causing the Homeowner to NEVER be able to get to a time when she is paying more for the Principal than the Interest with her Monthly Payments.
I am a XXXX time home buyer in XXXX Maine who applied for an FHA loan through XXXX of the nations largest online home mortgage lenders. 
The Sellers and I desired to complete a private sale because that suits our preferences. 
The Sellers and I drafted a purchase agreement together and I submitted the draft to my attorney for review and corrections. My attorney placed in the Purchase Agreement contract language that would protect the interests of both the Sellers and I. 
XXXX stipulation that protected the buyer was that if the appraised value of the property and therefore the financed amount is less than the agreed purchase price minus the earnest money down-payment, then I would be released from the requirements of purchase agreement and could demand a refund of the earnest money. 
The home buying process with the lender initially went very quickly and smoothly up until the order for the appraisal was issued. At that point, the process slowed to a standstill because no Appraisers have bid for or accepted the order. 
After the appraisal order was issued two weeks and no appointment was made, I became concerned and obtained the Roster of Appraisers in XXXX XXXX in Maine and called each XXXX. I learned that most of them had made it an unofficial policy not to accept orders from XXXX and some explained their negative experiences in prior dealings. I learned of many abuses that the appraisers endure that I would like to relate to you if you inquire it of me. 
I did n't know what XXXX were so I did some further research learned that XXXX serve as a XXXX parties that prevent conflicts of interests between the lenders and the appraisers. 
The appraisers that I spoke to were pleasant people and professional, they all stated that they had plenty and enough work without the need to reply to orders from XXXX so that they may avoid the difficulties they had previously experienced. 
I had submitted the Purchase Agreement to Quicken Loans on XXXX XXXX 2015. The closing date was initially scheduled for XXXX XXXX 2015. We did not close on this date because no appraisal has been completed. I am told that all other requirements have been met. 
The next closing date is XXXX XXXX, the date that my Purchase Agreement expires. 
No appraiser appointment has been scheduled. I am concerned that I XXXX lose my Earnest Money down-payment if the sellers decide not to sell to me after our purchase agreement contract expires and no appraisal is completed and I ca n't close. 
HELP! I do n't want to lose my money because the lender ca n't get an appraisal scheduled. 
What can my family and I do to get an appraisal and hopefully close on this home by the closing date on the Purchase Agreement Contract?
This fraudulent XXXX account that keeps reporting on my Equifax credit report that i have disputed four times already, this particular account was sold to a collection agency by the name of XXXX, in which whom took me to court concerning this same account that they purchased from XXXX. The judge dismissed this case for lack of proof of Proper Documentation. XXXX No longer reports to the CREDIT Bureaus because of the courts ruling on this particular Account. As i stated i have disputed this through Equifax four times already and requested That XXXX provide them Proof of the original contractual agreement and proper Documentation proving ownership concerning this Fraudulent Account in my name, which i have not received any information or proof of Documentation concerning this XXXX account thats reporting on my Equifax credit report ... i have taken so many steps with Equifax to resolve this and to Delete this from reporting on my Crdit Report and they have not Deleted it yet ... XXXX and XXXX have deleted this same account from reporting on my credit report from XXXX, Account # XXXX I am writing and submitting this complaint for this particular XXXX Account to be removed form my Equifax Credit Report. Thank You!
I got a phone call from a lady from XXXX XXXX XXXX saying that I had a credit card debt from XXXX through Juniper Barklay bank and if I did n't give them authorization to take money out of my current bank account they were going to serve me with papers at my job the following day. I explained to her I did n't know what she was talking about and that I was at work and would loose my job for being on the phone could I have a number to call her back, a gentlemen then came on the line and said it was time sensitive and if I did n't cooperate now they would serve me at work and freeze all my assets and spouses bank account and start garnishing my wages. I talked him into giving me a number and tried to call them back several times after I left work with no answer. He called me back today telling me that if I did n't give him some type of account number that they would proceed and the XXXX would freeze up mine and my husbands bank accounts if I did n't cooperate and give them my information. I explained to them I was divorced in XXXX and was sure this was something my ex husband had done. I never held a job until XXXX so I cant understand how I would even be given a card. they told me they could n't send me any information about where the card was opened or who signed the original contract until I paid it off. They had me convinced that if I did n't comply with them they would serve me papers at work for court and freeze my bank account he told me he knew I had a credit card that I could pay this debt off with and I do not. He said he was looking at my credit report as we spoke on the phone. they wanted me to give them my debit card number and allow them to take {$1000.00} out of my account tomorrow. I hadnt ' even had XXXX hours notice of even trying to fix this and they had me in tears at my job. He wanted me not to pay my house payment but pay him over the phone. They called my work XXXX days in a row. They started off wanting {$3000.00} then backed it {$1000.00} now he wants {$500.00} by Monday XXXX XXXX or they are gon na pursue taking me court. I do n't even know if this is legitimate and they wont ' send me documentation that is until ive paid it off. It very well could be something my ex husband opened in my name but I want clarification of this. I do n't want to be harassed and threatened to the point that I cant ' do my job at work because they have used scare tactics to make me pay a debt I did n't know existed until yesterday. My husband called the XXXX and they referred us to this site.
COLLECTOR CALLED FAMILY MEMBERS AND OTHERS INN VIOLATION OF T.C.P.A. ( 3 DOCUMENTED CALLS ).
Midland Credit Management calls my office on a daily basis. Most of the time they hang up as soon as we answer, other times they ask for me stating that they have an important business matter to discuss with them. I do not owe them any money, no debt is reflected on my credit report, and I have asked them several times to refrain from calling me - especially at work, and they refuse to listen.
IN XXXX my husband and I got a secured loan through XXXX XXXX XXXX that had four properties as collateral for this loan ( XXXX ). This mortgage was bought by Ocwen who we continued to pay for until XX/XX/XXXX when we paid off the loan in full. We never missed a payment, always paid on time, and paid all owed taxes in escrow as they asked. We PAID OFF this 16 % loan in FULL on XX/XX/XXXX. Recently, we are selling three of these properties ( XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX, PA and XXXX XXXX XXXX ( XXXX XXXX, PA ). We have found that OCWEN FAILED to file satisfaction for any of these properties. We have a closing scheduled for within a week ; only to find that we can not close because Ocwen ( even though they have had a YEAR to file these MANDATED PAPERS ) has FAILED to CLOSE PROPERLY by not filling these satisfaction papers in either XXXX XXXX, PA ( where XXXX and XXXX are located ) or in XXXX XXXX, PA ( where XXXX XXXX XXXX is located ). My husband is having XXXX XXXX XXXX that we need these monies for and can not complete the closing because Ocwen ( even with NUMEROUS calls ) refuses to do. Infact even after getting TWO attorneies involved OCWEN refuses ( even though I granted permission for them to talk to these attorneies ) to return numerous attempts at resolving this issue. My understanding is that these satisfaction fomrs should have been filed in the appropriate county office within 90 days. It has been a YEAR ( 365 days ) and they are  still not filed. In addition, Ocwen is asking ME and my Attorney for information on my account ( claiming they can not find my loan information ). We have faxed, called, and tried to get this information to them ; with no response and no immediate action. We may very well lose these sales due to their not doing what is MANDATED for them to do.