WillisBack/dataset-financial-user-claim huggingface dataset:
Three times I have tried to pay my credit card debt. Twice,  CapOne  has been unable to process payment. There is no response to the third attempt. This page summarizes the events. Numbers in brackets refer to documents, a ttached. All dates are in 2017.  I trust you can help resolve this situation.     First Attempt On  XXXX   XXXX  I mailed a check for {$9100.00} to CapOne [  XXXX ,  XXXX  ].  CapOne  acknowledged receipt [  2 ]    The check was drawn on my  XXXX   XXXX   XXXX  Account (  XXXX   ) . I have used that account for years to pay major bills ; e.g.  Federal, State, and Municipal taxes. I also use it to p ay my  XXXX   XXXX   XXXX  card in full every month. Never a problem -- until  Capital One.      On  XXXX   XXXX , I phoned Capital One to inform them I would be in  XXXX   XXXX   XXXX . From the recorded message, I learned that my account owed {$9100.00}. I called the credit card assistance number. The representative informed me that my check had been returned for insufficient funds.     I stated that couldnt be true. The representative then initiated a conference call to my broker,  XXXX   XXXX   [  3 ].  XXXX   XXXX  stated no check had been presented by  CapOne  to  XXXX . Furthermore, he stated there was plenty of cash available to cover the amount. The check would not have been returned for insufficient funds. The CapOne representative referred the matter to Research and stated it would take  2-3 wee ks.     Upon my return from  XXXX  on  XXXX   XXXX , I received a report [  XXXX ,  XXXX  ] stating my check had been returned for insufficient funds.. But there is no evidence of submission to   XXXX   or return.     Second Attempt While in  XXXX , I checked my email on  XXXX   XXXX . There was an email demanding payment by  XXXX   XXXX   [   5  ]. I immediately phoned and offered to pay the full amount by wire transfer to any bank Capital designated. The representative insisted they couldnt do that. The best I could do was pay {$91.00} in interest [ 7 ].     Third Attempt On  XXXX   XXXX , upon my return from  XXXX , I wrote to  XXXX   XXXX   XXXX , Vice President of Customer Management, and enclosed a check for {$9000.00}, my debt less the interest paid [ 1 ]. Again, I used my  XXXX  account since it has sufficient funds. I have received no reply. Meanwhile,  Capital One  has demanded that I make a minimum payment by  XXXX   XXXX   [ 6  ].     Conclusion   1.I want to pay my debt in full. ( It was a single transaction by the way. ) 2.I do not want my credit damaged.
3.I do not w  ant to pay interest and penalties since the problems appear to lie within  Capital One.
On   XXXX   XXXX  , 2017, I received two letters in the mail from a debt collection called AFFILIATED ASSET SOLUTIONS, LLC about a medial debt was paid in full. In the letter sent from Affiliate it states that the current creditor is Pendrick Capital Partners. I have never had any debt with the said Creditor past or previous.. Also, the letter states that the original creditor is   XXXX   XXXX   XXXX   XXXX   .. I am sending documentation from the   XXXX   XXXX   XXXX   that I was mailed from there home office in  XXXX , TX which shows a  XXXX  dollar balance for the alleged debt. Also, I have checked the MS Secretary of State and Pendrick Capital Partners are do not hold a license to collect on any debt in the State of MS . I have included the original copies of the letters sent from the alleged collector which clearly the information listed in the letter ids a violation of my HIPPA rights.. My name, date of service, and where I had serves rendered were included on the letter which this information could have gotten into the wrong hands of a consumer which could have lead to id theft from my personal information being included in a debt collection agency.. I have never had any services from the company or the affiliated asset solutions llc.
I am filing a complaint regarding Amazon.com and Chase Bank. I have been an Amazon Prime member since early XX/XX/XXXX. Ive noticed in transacting my last four purchases with Amazon in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Ive subsequently received a letter in the mail from Chase bank stating that an Amazon Awards Visa card application needed additional details before it could be further processed. I do not now nor have I ever had an Amazon Visa card nor have I ever applied for one through Amazon or any other company or lending institution. I reached out to Amazon customer service who informed me that I needed to contact Chase as the account was to be opened with them. I contacted Chase three times when I received the first three letters. Chase informed me that someone applied for the card using some of my information but didnt have enough to fully process it. I informed Chase that I did not apply for this card and wanted them to put some fraud or flag mark on the application process if the attempt happens again. Needless to say Chase informed me they could only send me an information packet on protecting my credit which is laughable considering the data breaches that happen very regularly across the country which affects consumers no matter how diligent they are in guarding their credit. This is a major issue that I would like investigated further.
I reviewed my credit report XXXX/XXXX/16. On Transunion, there is an account with the name XXXX XXXX states " open '', with a date of XXXX, and with money owed to it. The problem is ... .I never opened this account. I do not live in New York, so I do not know who opened this, or how without my signature/written consent. This, in my opinion is deceptive, and just plain fraudulent in nature. XXXX XXXX has misrepresented themselves on my report appearing to be a currently " opened '', delinquent creditor-type account that I signed up for. It needs to be removed immediately. I have never solicited to do business with XXXX XXXX, nor do I owe XXXX XXXX any money for services/goods.This info was previously disputed, however nothing has been done to remove it.
I had 2 credit cards from American Express : The first one was the blue, then American Express sent me the gold credit card. I paid off the blue to have just use the gold credit card. I don't use the gold since XXXX. That year, I had problems to pay the credit cards because I was without a job. I informed American Express and they continued sent me the invoices. The last time I called the customer service representative told me all the time : " you have to pay this amount or your credit will be affected ''. I asked for payment options and American Express never gave me an alternative. 

In XX/XX/XXXX, I received by mail a letter from American Express. This letter informed that they make a mistake with me because I was eligible for collection programs or settlement offer and they NEVER offered me that. With the letter, American Express includes a check for the quantity of " {$50.00} in recognition of any inconvenience that may have caused ''. 

I was so, sad and mad, because during XXXX - today period I have trouble to help my husband to buy a house, car and make some financial errands but always my credit was affected by the mistake American Express made. 

And then, I start to ask myself : Why they are sending me money? They KNOW that they make a HUGE mistake and AFFECT my financial life and now they want me happy sending {$50.00} for THAT? 

Last Tuesday, XX/XX/XXXX, I get my annual credit report and the report has 2 American Express accounts CANCELLED/NEVER LATE, both with different numbers, different amounts and different status updated. 

The account with the starting number XXXX is the blue and the report has a debt of {$1200.00} which I paid before start to use the gold credit card with the starting number XXXX. 

Immediately, I decided to call American Express offices and to my surprise, they told me that my gold credit card account was sent to a collector private company and the account was canceled in XXXX. I told them that I never received an email or a letter via mail from American Express or Collectors informing that. 

I informed that I was using the card until XXXX, I was paying the bills before that date, where the money went?. Also, they told me that my blue credit card account did not appear in the system. American Express told me that the ending account number I have in the letter XXXX is not the same account ending number they had in the system. I asked what are the credit card numbers they have in the system and American Express refused to tell me. I explained about the letter with the check and about how American Express mistake affect my financial life and American Express said : " We are sorry about the inconveniences '' and " please accept the check as a symbol of our apologies and damages we caused ''. 

Honestly, I feel that an insult for me as a consumer. 

I will appreciate all the help you can give me and my family.
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Account number XXXX XXXX XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

Navient account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness XXXX account XXXX thats not my account a shouldnt be in my credit report XXXX XXXX account XXXX. I reported the card loss to XXXX XXXX in 2013 along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best XXXX XXXX
XXXX XXXX has made repeated phone calls to several family members and XXXX friends. They already know my direct contact number. They have already spoken to me and my father, who has assured them we are trying our best to fix this. They started calling before I had even graduated. They are aware I do not currently have a job. They call my entire immediate family several times a day for weeks now. Then the started calling my XXXX contacts.
I purchased an XXXX XXXX XXXX filter on XX/XX/XXXX. It was {$560.00}. I paid extra for delivery by XX/XX/XXXX. The amount was charged to my Amazon card. The air filter was never delivered. I called to cancel. I was initially told that Amazon could not refund me the amount until the " carrier '' sent the item back to them. I told them the Amazon website says the filter was never sent to the carrier for deliver to begin with. Two ( 2 ) customer service representatives on different occasions told me the charge was removed from my account. As of today, the charge is still on my account accruing interest. I attempted to engage in a chat online to resolve the dispute and the customer service representative ended the chat saying I had to file a disputed charge. Amazon continues to charge me interest each month on this unwarranted charge for an item I never received.
I have tried for the last 6 months to have Transunion update my credit report to include my XXXX Chapter XXXX Bankruptcy without success. They are absolutely no help. They keep telling me that they get the information from a vendor ( they will not provide the name of the vendor ) and that the file is accurate. I have contacted the court where my bankruptcy was filed an XXXX and they told me they don't work with the credit reporting agencies. So, no one will help me. My Transunion credit report just shows bad debt and a statement from me that they were included in Chapter XXXX Bankruptcy. However, when I apply for credit I am turned down because it appears that I'm in an open bankruptcy because the bankruptcy and XXXX are not on my report as a public record.
FCRA VIOLATOIN : Transunion file # XXXX. 
I disputed information contained in my credit file for my American Express credit card account. The only information that was incorrect was the balance due and account rating just for the month of XXXX was incorrect, it was listed as N/R. All the other months had correct information. The dispute was resolved in 2 days but the whole account with perfect payment history was deleted. This has caused my credit score to drop significantly due to no fault of my own.
They are calling me at work, which is not allowed, literally every 15 minutes. 

They are also calling my cell phone every 15 minutes as well ( right before they call my office )
I didnt know i had a last bill until i move and it came up on my report i payed it. They said it eould get remove but it still shows open. XXXX
Transunion refuses to remove the XXXX XXXX account despite both XXXX and XXXX doing so. I have provided proof that the creditor has requested it removed via the cfpb. Further they will not send my full file disclosure nor will they block the unauthorized inquiries or XXXX. I have sent them multiple disputes to no avail
Chapter XXXX filed XXXX ; Loan previously with XXXX XXXX. During the chapter XXXX the house payment was raised from XXXX to XXXX without any written notification and/or notice during the bankruptcy. I continued to pay XXXX. The Chapter XXXX was discharged XXXX/XXXX/XXXX. The only info received from XXXX was prior to the discharge XXXX XXXX that stated my payment would reduce from XXXX to XXXX eff XXXX/XXXX/XXXX. NO back balance was indicated. Then the loan trans 'd to Selene Finance XXXX/XXXX/XXXX. I was not made aware of the transfer until XXXX/XXXX/XXXX. Selene Finance would not even discuss info with me until XXXX/XXXX/XXXX. Advising my attorney would not give " verbal '' release that they no longer represented me. I had already faxed court order discharge papers, but this was not accepted by Selene. When they finally begin to speak with me on XXXX XXXX, they advised I was 18 payments behind for over {$12000.00}. This was not only a shock to me but I had nothing from XXXX nor from anyone else with this information. I then requested research on XXXX/XXXX/XXXX from Selene Finance. They want to tell me I am behind but to this date they have yet to send me how and why this amount is owed. They advised me it would take over 2 months to do research but would still have to pursue foreclosure if this amount was not paid by XXXX/XXXX/XXXX. I can not get anyone to call me back, they have no answers ; I have been told it is my fault, etc. I have made a total of 13 phone calls to try and get this resolved. On XXXX/XXXX/XXXX loan modification papers were overnighted to Selene finance in order to try and save my home, but I have still have not heard any updates. I truly feel that they are purposely delaying research in order to foreclose on my home. Something is just not adding up. I have tried and tried my best to do what I feel is right to try and get this all in order. But so far this new finance company is not working with me. I am not sure what else to do. Any assistance in this matter would be a great and wonderful burden off my shoulders. I have been fighting now for almost 4 months.
Hoosier Account Services was the collection agency for a medical debt that I owed that I did not know I had. I was contacted on XXXX/XXXX/XXXX about this debt. After almost 2 years of fighting my insurance company and original account holder, I payed the account in-full ( {$20.00} ). I payed this on XXXX/XXXX/XXXX. Hoosier Account Services continues to not report correct information to the credit bureaus. 

The first item that is reported wrong is the " Date Reported ''. The date that they are giving the credit bureau is XXXX. How could this be when I paid the debt back on XXXX/XXXX/XXXX? Also, It is showing the last payment date as XXXX/XXXX/XXXX. This also is wrong as I paid the account in-full on XXXX/XXXX/XXXX. This could lead to the negative account staying on my account for longer than I am legally responsible for. 

I have disputed this account with XXXX and Hoosier Account Services continues to report the wrong information. They also verified this debt as a " Medical Debt '', which verifying medical account information is in violation of my HIPPA rights.
I was approved both by XXXX ( owner of my loan ) and my servicer Ocwen for a loan modification on XX/XX/2016 ( Attached ) trial that went from XX/XX/2016 to XX/XX/2016. I made all of my required trial payments on time. Then in XXXX Ocwen stated they made an error on the first trial and issued me a revised trial dated XX/XX/2016 that went from XX/XX/2016 to XX/XX/2016. I made all of these trial payments on time. Then in XXXX Ocwen stated they could not issue the final modification documents until they cancelled out my first trial that was issued in error. So I kept paying my trial payments for the months XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. This last week my attorney who I hired to help me with this process advised me that Ocwen now states that they have cancelled both trials. My attorney states Ocwen makes mistakes like this all the time and what we believe happened is that they were only supposed to cancel out the first trial and they ended up cancelling both trials. I have now been paying trial payments since XX/XX/2016. Ocwen has messed up my modification process now two times and I am now back in foreclosure without any explanation from Ocwen except that they are working on it. My attorney has been calling them every month since XXXX and if we did not file this complaint Ocwen would just ignore their mistake until my house foreclosed. According to my attorney Ocwen can not put me into a trial unless I am already fully approved. Obviously Ocwen is violating the guidelines and they are also argumentative with my attorney every time they call. XXXX is even stepping in advising Ocwen to offer the modification. According to XXXX the modification has been approved since XX/XX/2016 and they have no idea what Ocwen is doing all this time.
I have disputed with all three credit bureaus about the original creditor, XXXX XXXX, inaccurately reporting on my credit report. The results always came back verified, never with an explanation from the credit bureaus. I decided to dispute directly with the creditor and I was unable to get a response. I sent a dispute letter to the address listed on my credit reports for the original creditor. The mail was sent back to me as " not deliverable, unable to forward to address ''. If this is the case that means the credit bureaus never investigated my dispute which means there is nothing they could have verified. I do not think it is fair that the credit bureaus are allowed to continue reporting this inaccurate information. It is their jobs to make sure information is reporting 100 % accurately and anything inaccurately reporting must be removed. I am requesting this inaccurate account is removed from all three of my credit reports Transunion, XXXX and XXXX immediately! I would also like a letter and updated copy of my credit report once this has been completed.
XXXX is reporting account XXXX as my account as a result of transfer from XXXX XXXX XXXX in XX/XX/XXXX. This account is not mine and XXXX should remove it from my credit report. On XX/XX/XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from XXXX XXXX XXXX. On XX/XX/XXXX, the Court order the Rescission Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.
identity theft XXXX XXXX an account was opened from XXXX XXXX XXXX ( not my account ) XXXX XXXX  was opened with a hi balance of XXXX and was closed in XX/XX/XXXX not my account XXXX XXXX an account was open and left a balance of XXXX this account is not mine closed on XX/XX/XXXX XXXX   XXXX XXXX  this account was opened in XX/XX/XXXX and is now in collection. this account is not mine XXXX XXXX carries a hi balance of XXXX is not my account closed dedicated XXXX XXXX opened ii XX/XX/XXXX original creditor XXXX  carries a balance of XXXX js not my account. 

XXXX XXXX XXXX opened XX/XX/XXXX { XXXX ) XXXX balance is not mine XXXX XXXX/XXXX XXXX balance was added to my report is not mine XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX charge off is not mine XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX is not my account Chapter XXXX bankruptcy added in XXXX is not my account
I have not had a XXXX account since early XX/XX/2012. I do not live in XXXX anymore I have been in XXXX since this time. I received a call from some company giving me a reference number and saying I was going to be served papers at my home and work if I didnt call to straighten the matter out, and I could call #, and use reference # they gave me and speak directly to the charging party. So since they have been harassing me for what seems years, I called. The rude lady on the phone, when I asked her for details told me I have to go down the hall to the attorneys office to get the back up. Uh, no you dont, i proceeded to tell her that if they were reputable she would have the info on the screen, and that they are scammers, she told me not to tell her how to do her job and hung up on me. I havent heard anything since. I do not believe this debt to be mine just based on the simple fact that the amount doesnt resonate nor does a XXXX account, I live in XXXX we do not have XXXX here.
An agent from Phoenix Financial continues to harassment after I have asked him to stop several times on several different occassions. His name is XXXX. He calls uo until XXXX at night. He calls from several different phone numbers.
I had a passed due account for a gym membership at worlds gym that happened because my credit card # changed. The debt was in collections status when I knew about it in XXXX of 2015. Once I noticed that I owed {$250.00} I promptly went and paid XXXX {$250.00} on XXXX XXXX 2015. The account was sent to collections in XXXX 2015 on this gym contract that was paid in full. When I reviewed my free credit report I noticed this was still on my report. Now a year later my credit score is down XXXX points because XXXX forget to end my membership and never marked my account that way in there system. When I received a call in XXXX of 2015, I called worlds gym and asked has this been taken care of and they said yeah its a scammer. Now I 'm risking not getting a possible job opportunity because this looks bad on my credit which has dropped from XXXX in the last year.
XXXX XXXXXXXX XXXX SENT A LETTER TO ME AND EQUIFAX DEMANDIN G THEY REMOVE ALL XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX TRADELINES FROM MY CREDIT REPORT. 

XXXX XXXXXXXX XXXX XXXX NO.XXXX XXXX NO.XXXX & XXXX NO.XXXX
I consistently made payments on time. Beginning in XXXX 2015 my payments started not to be posted to my account. In XX/XX/XXXX I started getting calls from myloancare saying my XXXX payment was not made. The phone calls were automated, without opportunity to discuss. I sent an E-Mail to customersupport@myloancare.com with evidence of the payments. I received a ticket number and automated response, but to date have not had acknowledgement of the payments made in XXXX and XXXX. There are now five payments sent with confirmation from my bank, but myloancare does not respond to my inquiries, and continues to make automated calls to me. I called on XXXX of occasions, and only once was I able to get through to a customer support representative. I provided the ticket number sent to me, and all related detail with no results. The customer support representative refused to allow me to speak with anyone that could actually help resolve the issue, and essentially said that the phone calls would continue until the issue was resolved. I asked to work with someone that could resolve, but was refused.