WillisBack/dataset-financial-user-claim huggingface dataset:
In early XX/XX/XXXX I called Capital One regarding a late fee posted to my credit card account. I spoke to a senior rep. who told me my payment of XX/XX/XXXX was credited to the prior billing period and not to XX/XX/XXXX. I got her to review my account and because she saw I regularly paid my bill in the early part of the month she reversed the late fee. I thought it was taken care of. I made my XX/XX/XXXX credit card payment on XX/XX/XXXX. 
On XX/XX/XXXX I received a mobile notification from their phone app that my payment was late. I checked my account and it showed a late fee again. 
I spoke with a rep who told me the fee was because I had not made the minimum payment for XX/XX/XXXX. It was higher because I had not made a payment in XX/XX/XXXX. 
I immediately asked for a senior acct rep ( later identifying herself as " XXXX '' [ employee ID XXXX ] ). In brief, she told me it was impossible for Capital One to reallocate the payment made in XX/XX/XXXX for XX/XX/XXXX. and that in order to solve the problem I would have to make a payment of around {$400.00} before XX/XX/XXXX ( this in addition to whatever minimum required for XX/XX/XXXX )!  When asked she refused to refer me to her supervisor and would not give that person 's name. Like most people, I can not afford an extra {$400.00} due to *their* error.
I have continually been called by summit receivables a collection company in regards to a payday loan lender. After many unsuccessful attempts to tell them to quit calling me they continue and while on the phone are very harassing, including will not disclose who they are or who they are with. They called From a local number XXXX. They called at all times of the day
Chase contacted me by letter asking me to call a number I had never seen before to avoid having my account closed, which seemed suspicious to me. I called the number on the back of my card instead and was connected to several different people who spoke English poorly and were difficult to understand. None of them would properly identify themselves. I called  Chase executive  office and spoke to person who told me my account had already been closed. I asked her explain why and she said she would have to open a case and have someone get back in touch with me. She told me I would hear back from someone within 24 hours. I logged into my account on line and had a notice indicating I needed to contact Chase by   XXXX   XXXX   to avoid having my account closed ( the initial letter said I needed to contact them by   XXXX   XXXX   ) and that there was a secure message available that would explain. There was no secure message available. I called the executive office 2 days after the first time since they had not contacted me within  24  hours as they had promised. The woman I spoke with informed me they would record my call, but refused me permission when I indicated I also wanted to record the call. She was able to find that a case had been opened but had no information in it, including which account I was contacting them about. She transferred me to a "  specialist  '' who did not have any information to give me and said I had been informed wrong about when to expect a response - that I should have been told  24 - 48  " business hours '', which she explained was actually  3 - 6  business days. She put me on hold numerous times, then told me she would get back to me after she researched the case and would not give me any idea as to how long that would take. At this point I have no idea as to whether my account is open or why they would want to close it. It is not in any way delinquent.
I was denied credit based on a TransUnion ( TU ) credit report notation indicating that I had paid an account late. I requested an investigation to dispute the notation on XX/XX/XXXX. I contacted TU on XX/XX/XXXX which was 30 days since the dispute. TU had not made a determination within 30 days. TU finally removed the notation on XX/XX/XXXX. I contacted TU to request an updated copy of my credit report and was denied. 

TU offered to provide my credit report if I paid for a service. I said no, I am entitled to a full report after a dispute has been settled and removed. TU also makes this matter difficult as they have my address listed as XXXX rather than XXXX XXXX XXXX for ZIP code XXXX. TU also directed me to other compartments, Disputes telling me I can get my report from Online, Online telling me to get my report from Disputes. 

I simply requested a copy of my report and was denied. 
I requested access to my online account to view my report, and was denied unless I paid a fee. 
I requested that TU contact creditors who received my previous report with errors and provide them with an updated report, and was denied. 
I requested that TU update their system to having my address as XXXX instead of XXXX XXXX XXXX, and was denied.
Navy Federal Credit Union is charging for a loan that I did not co- sign for ... they refuse to show the promisory note of the loan loan #. I contested the loan back in XXXX ( see attach letter ) They the credit reporting agency XXXX took it off. then they have put it back on I an not responsible for this loan. I filed an earlier clam, case # XXXX,
Transunion So funny contact companies You know for a fact I have You have there documents that clearly show they have NO evidence this is was or ever was my account They are playing games and you are being miss lead in to false reporting buy them. Please look at the game being played here, enclosed a copy of a credi t report stating removed from account sent to the response to CFPB account removed XX/XX/2018 and it never was NOT one day I called XXXX With in 2 hrs it was changed to CHARGE OFF but I was told to wait for an investigation I did not State My complaint was Against the credit company for leing in there response thats leing to myself FTC, CFPB, OCC
I had a credit score in the upper XXXX 's around the mid XX/XX/2018 ; the following week I received and alert from XXXX XXXX  that something went wrong, I found out that XXXX XXXX dropped my credit limit from {$9500.00} 's to $ 1000s for no reason. This card I've always paid on time and paid it off last year. I contacted them and they informed me that it was because of what they saw on my credit report but no other detail, I've tried for them to give me a more specific answer but they wouldn't. They have messed up my credit for no reason.
PRA is continuing to illegally report monthly on my credit reports as a factoring company. PRA is a 'junk buyer ' and does not qualify as a factoring company. They also have continued to report a balance monthly, as well as reporting as the direct account owner with XXXX. This is a violation of the FCRA, as well as a violation of the terms of their consent order. They continued to contact me illegally as well and have denied this despite offering no proof. They called my father and my work after repeated requests to stop contacting me. They have also continued to claim they have sent me debt validation and information about my account balance, but have failed to provide either. 

It's clear from the below article and consent order that PRA is continuing their predatory practices and their refusal to provide information to me is a direct violation of this. 

https : //www.consumerfinance.govXXXX XXXX XXXX XXXX   They have also 'soft pulled ' my credit numerous times, in what I assume is an attempt to continue their practices and looking for new ways to contact me illegally.
Wells Fargo bank refused me credit card XXXX. 

I have credit line for over XXXX $ using only XXXX-XXXX % of revolving at any time with several other banks.I have perfect repayments record. I felt odd when the conversation happened where they asked me to send a copy of my XXXX.
On XX/XX/XXXX, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2
I had my closing on Thursday, XXXX XXXX 2016, and I received my paperwork beforehand and was quoted to receive {$680.00} at closing. We I went to closing the lawyer gave me a check and I did n't look at it during that time. We I looked at the check it was for {$620.00} and I thought maybe the financial bank made the mistake, then when I received the same paperwork in the mail I came to the realization that the lawyer gave me less money than I was suppose to receive. My closing attorney XXXX and this is where the check came from.
I have received XXXX rude and obnoxious voice mails from a Company named National Principal Groups. They are actually yelling on the message stating they are looking for a Party who does not reside at my household. They state they are skip tracing and have the right to contact any phone numbers that are listed on file, and that they request a call back even if I do not have any information. I have called back after the XXXX voice mail received and left a message stating not to call my phone number again. I received another voice mail today and I called them back stating again, not to contact this phone number and they still asked for information on a party they are looking for. They have called XXXX, XXXX, and now XXXX. No one in my household owes any outstanding collection/debt and do not appreciate this company contacting our home.
I claimed bankruptcy almost 7 years ago. XXXX XXXX XXXX and XXXX will not accep. The discharge and have been affecting my credit score for years. Now Ditech has taken over the mortgage. Bankruptcy discharge. XXXX
XXXX did not properly record the fact i returned their equipment and is trying to collect a {$100.00} penalty. I 've spoken to customer service reps who have documented numerous attemps by me to request promised shipping documents. When the shipping instructions finally arrived, I properly boxed up the equipment and set back as instucted. Now XXXX is tying to collect a penalty for late return when in fact it was their failure that led to the late return. customer service reps have told me that all charges were reversed due to their error, but yet I am still receiving collection notices from third party agencies and AFNI
Had a vehicle loan with Prestige auto, after years of paying and being harassed by the company we voluntarily gave back the vehicle we then filed bankruptcy in 2006 and Prestige was an account on the bankruptcy, I have requested this to be deleted off my credit report and no one is doing this also there i a address in XXXX on my credit I have only lived in XXXX My entire life never anywhere else. This has caused me no to get jobs, places to live and loans
In XX/XX/XXXX I was sick with XXXX XXXX for majority of XX/XX/XXXX I was late on one payment to Ally Bank because of it. I called to see if they could remove the ding from my credit they have yet to say why. Just that they are leaving it there. At the time I was XXXX XXXX at a local XXXX XXXX and was only getting paid per XXXX. Any timeframe outside of that was strictly not paid. I was sick for about two months which lead to me not being able to make the payment. I have not been late since headed into XX/XX/XXXX.
I have been trying for a Loan Modification/assumption for the past seven years plus. 
My late husband and I started a LM in XX/XX/XXXX when he was XXXX. He passed in XX/XX/XXXX. Our loan was fixed at 5.8 % and was at XXXX we were hoping to get a lower interest rate ( I wish I had known then what I know now, we would never have applied, ) Part of the qualification to do a loan modification with XXXX was to be 3 months in arrears and if you paid you did not qualify for a Loan Modification. XXXX had me resubmit several applications for the next two years, giving me one reason after another why I needed to resubmit. Until one day I was told the reason I was not getting anywhere was because I needed to assume as well as modify ( the deed is in my name, but not the mortgage ) The Assumption Packet never came I chased that for several months was told it was mailed .... eventually told there is no Assumption packet just redo another Loan Mod packet and they would get it over to the Assumptions Department This goes on & on & on .... There never was an Assumptions Department at XXXX as I was told by my last Rep at XXXX. NO ASSUMPTION DEPARTMENT!! Eventually it is in the hands of XXXX XXXX XXXX. I was told I qualified, I explained that I had submitted over 17 loan Mod apps with XXXX and sent nearly that many copies of my husbands Death Certificate and will. I also kindly asked they not call the house and ask for my husband as XXXX had done for several years. The rep from XXXX told me things would be different than with XXXX it was now streamlined and regulations in place that I would only have one rep and only have to do one modification. I did four and had two reps. I was told finally that I received the modification I was so happy, only it was short lived ... as they called later that night to tell me I had to come up with the back arrears first, then they would modify/assume. I did not have XXXX that they were asking. ( I would not have been behind at all had XXXX done the modification or excepted loan payments from me after my husband passed. ) XXXX had told me the same thing before they transferred to XXXX and that there was no guarantee that I would be allowed to assume, when I asked if I would get the money back if they did not allow me they said no they would consider it from my late husbands estate. I asked if they would take that chance. No home and no money to start over if I was not allowed to assume. 
The loan is no in the hands of another bank Carrington Holdings LLC, I sent them a Notice Of Error & Request For Information to show that they own the note. It is my understanding by law they have to respond within 15 days it has been since XX/XX/XXXX the XXXX was signed and returned to me but as of yet I have not received any response from them. If anyone has any ideas how to proceed with this please let me know. 
Thank you. Sincerely XXXX
Because of the recent revelation of XXXX data loss of consumer data, I decided to freeze my credit report with all four agencies. On X/X/17 I went online with Experian and filled out the paper work and paid what I thought was a {$1.00} charge. ( XXXX dollar. ) I just discovered that I was enrolled in a {$21.00} a month plan that I did not want, did not consent to, do not want and I consider a fraudulent practice. 

It is very difficult to remove my membership on their website and there is no way to get my credit card number removed. I think I managed to remove my membership in this unwanted plan. I strongly object to what I consider completely fraudulent practices by this company, and want a refund of all but {$1.00}, which is what I agreed to pay. I also want my credit card number removed from their database.
The following charges were made fraudulent by someone who stole my wallet. Discover bank refuses to credit be back the charges. 

1 ) XX/XX/XXXX {$15000.00} XXXX XXXX ( XXXX XXXX, NY ) 2 ) XX/XX/XXXX {$360.00} XXXX XXXX ( XXXX XXXX, NY ) 3 ) XX/XX/XXXX {$510.00} XXXX XXXX # XXXX ( XXXX XXXX, NY ) 4 ) XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX ( XXXX XXXX, NY ) 5 ) XX/XX/XXXX {$660.00} XXXX XXXX # XXXX ( XXXX XXXX, NY ) 6 ) XX/XX/XXXX {$800.00} XXXX XXXX ( XXXX XXXX, NY ) 7 ) XX/XX/XXXX {$190.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 8 ) XX/XX/XXXX {$430.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 9 ) XX/XX/XXXX {$300.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 10 ) XX/XX/XXXX {$270.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 11 ) XX/XX/XXXX {$21.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 12 ) XX/XX/XXXX {$15.00} XXXX XXXX XXXX ( XXXX XXXX, NY )
American Express is the worst credit card company.They charged my credit card without my authorization. 
I have spent thousands of dollars in attorney fees and is telling me I 'm responsible for paying for it. Stay away from American Express. If they come near your wallet, throw your wallet away. If they call you hang up immediately. 
My experience with Amex is terrible. They keep sending the same questions to my attorney and is just the worst company to deal with. No resolution, just give you the run around. If you have an Amex account, discontinue using them. 
Stay away! Beware!
Last year 2017, I notice that XXXX XXXX XXXX was reporting several collections on my credit report. I have disputed these accounts several times directly with the credit bureaus, they responded that the collection agency has verified the accounts as belonging to me. However I have not received any physical proof of how these accounts were proved to as belonging to me despite my numerous request. Disputes directly to the credit bureau were sent XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and as of date no physical proof of how these accounts were verified were sent to me. I even went further to contact the collection agency directly and request validation of debt as of date this company has failed to respond to my numerous request and also continuous to consistently report negative and inaccurate information. Request for the debt to be validated was sent via certified mail XX/XX/2017.
Good morning, this is my third time trying to solve this issue with XXXX and Experian they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.
On XXXX XXXX 2015, we verbally appealed the first and second mortgage modification offers provided by Wells Fargo to our underwriter XXXX XXXX. We appealed to include a principal reduction. One of the benefits of receiving this would assist our underwater mortgage. A condition we had asked Wells Fargo to help us with several years earlier when H.A.M.P was introduced to assist mortgages like ours, when a hospitalization caused a financial hardship for our family. However, our home was refinanced with our second mortgage interest rate raised. We were told by a representative of Wells Fargo that this action was taken because according to Wells Fargo, we could afford a home that was underwater. For this reason our home was financed without that assistance. 

We are asking for assistance to expedite our appeal, as we have been working to create a healthy mortgage that we can resume paying after our trial payments our finalized. Instead of receiving an answer to the appeal we have been waiting to hear back about, we were sent a letter dated XXXX XXXX, 2015.This letter was received by us on XX/XX/2015. It states Wells Fargo will review our appeal. We are concerned that there is no indication Wells Fargo received our appeal within the time limit given to us by XXXX XXXX. Wells Fargo received a copy our letter XX/XX/2015 through the XXXX XXXX XXXX. XXXX stated to us that she would include a note to communicate her approval of our appeal. This was approximately two and a half months ago. 
We wanted our appeal to be given time to be reviewed thoughtfully, and so we assisted Wells Fargo when asked to put this verbal appeal in writing. We did so with expediency to help Wells Fargo and we continue to do so in whatever way we could to create a healthy mortgage for our situation. We have until XXXX to amend this issue, as we are now official in court proceedings.
This is a medical account with XXXX XXXX in connection with a hospital visit on XX/XX/XXXX. The debt collector is NCC. They have been harassing me for the past few months by robocalling/ leaving me at least 3 open voicemails on my cell phone without any message. I spoke with them on XX/XX/XXXX and verified the debt and asked that they stop doing that because it is annoying and taking up too much of my time when no one actually calls you. My phone does not ring. It goes immediately into voicemail and a voicemail isn't left. I need that to stop.
i have an account with COINBASE so i was trying to get refunded thru bit connect with customer support and what they did to make it easier THE process they guided me on a share screen and needed my wallet address TO REFUND they made me send like $ XXXXto XXXX next thing it happened they empty my XXXX   account from COINBASE for about XXXX XXXX coins value at over {$34000.00} on XX/XX/2018 called 10 minutes after it happened to coinbase and they gave me case number XXXX and they locked my account right away and said a specialist would take over i only have a confirming email stating that somebody will get in touch soon i called again on XX/XX/XXXX and they say they got no response and was never seen by level 2 specialist and They were gon na put a higher priority so it can be contacted and no time frame at all being that i called after 10 minutes and when i tried cancelling online i wouldn't have an option to cancel luckily found the XXXX number thats when i called so I'm really desperate for help looking at previous reviews they said it could take months to get it resolved so just trying to get ahead and see i was hoping transaction will be cancelled since large amounts it could take time to be released so 10 minutes should've been more than enough I'm waiting for my account to be reopened with all my funds included if you can intermediate so get this issue resolved it will be greatly appreciated and if you have any suggestions on how to handle this org if i need to report to police authorities
ALWAY UNAUTHORIZED TRANSACTION AND BEING ALLOW TO WITHDRAW FROM MY ACCOUNT AND CREDIT BEING APPLY TO CLOSE AND FRAUD ACCOUNTS AND STATE THE NAVY FEDERAL CREDIT UNION POLICY AND PROCEDURE STATES THAT ALL CREDITS SHOULD BE APPLY BACK INTO THE FRAUD THAT CLOSE AND THE MAKE CHANGES TO MY ACCOUNT WITHOUT NOTIFICATION AND MY ACCOUNT IS OVERDRAWN LEAVING RESPONSIBLE TO NEGATIVE AMOUNT. PLEASE SEE BELOW THE ACCOUNT TRANSACTION AND INVESTIGATE THE ALL PRODUCTS AND SERVICESXXXX : XXXXLast signed on XXXX/XXXX/2015 My Settings Mobile Help CalculatorAccount SummaryTransferseDepositsBill PaySpendingAccount ServicesEveryDay Checking - XXXXPrintEDIT ACCOUNTSAvailable Balance $ XXXXCurrent Balance - $ XXXXLast Statement BalanceEnding XXXX/XXXX/2015 | Suppress Paper Statements - $ XXXXAdditional Account Information Scheduled TransactionsDate Description AmountThere are no transactions to display. 
Transaction History Download TransactionsAllSelect RangeDate Description Check # Type Amount BalancePending Transfer To Other Debit - {$120.00} $ XXXXPending Adjustment Credit {$530.00} $ XXXXXX/XX/2015 Adjustment - Cr Credit {$60.00} - $ XXXXXX/XX/2015 Adjustment - Cr Credit {$29.00} - $ XXXXXX/XX/2015 Insufficient Funds Debit - {$29.00} - $ XXXXXX/XX/2015 POS Adjustment - XXXX XXXX XXXX CT Credit {$19.00} - XXXX XXXXXX/XX/2015 Dividend Credit {$0.00} - $ XXXXXX/XX/2015 Overdraft Protection Fee Debit - {$60.00} - $ XXXXXX/XX/XXXX ACH Transaction - PUBLIC SERVICE XXXX ACH Debit - {$150.00} - $ XXXXXX/XX/2015 POS Debit - XXXX Check Card XXXX XXXX XXXX*NEW BALANCE XXXX XXXX XXXX - {$140.00} - $ XXXXXX/XX/2015 XXXX XXXX - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX - {$35.00} - $ XXXXXX/XX/2015 ACH Transaction - XXXX XXXX ACH Debit - {$530.00} - {$92.00}
Equifax mishandled my information which puts me and millions of other people at risk. I am also mentioned as a potential victim according to their XXXX website, and would like a resolution.