WillisBack/dataset-financial-user-claim huggingface dataset:
DO NOT DO BUSINESS WITH CAPITAL ONE. On XX/XX/2018, I was fraudulently charged by a phony organization in the country of XXXX, for supposedly driving something like 12 mph over the speed limit. My car was stopped by a phony policeman who said I could pay or I would go to jail. I could barely understand what he was saying. The form he put in front of me was only in XXXX -- NO ENGLISH. The amount on the form was XXXX ( XXXX XXXX  XXXX ) XXXX   Kroner  ( about {$10.00} ). He demanded a credit card, not cash. So, I gave him my Capital One credit card. When the Capital One bill showed up back in the USA, it had been billed {$800.00}. I disputed the charge to Capital One. On the chargeback reply, sent to Capital One from this place, the amount had been CHANGED to XXXX ( XXXX XXXX XXXX ) XXXX Kroner ( {$800.00} ). They had MODIFIED the original form, adding English and changing the amount by changing periods to commas. I still have the original form, all in XXXX, which clearly shows periods -- not commas. I sent a copy of the original form to Capital One, but they took the side of this fake police department, with their changed form, from this very remote area of XXXX. In addition, I told Capital One that my drivers license isn't even the one on the form. I was given the ticket because my name was on the rental agreement. I sent a copy of my drivers license to Capital One to prove this. The lady at the local XXXX XXXX XXXX ( the reason we had gone to this remote place ) explained that this was a 'tourist trap ' targeted at rental cars. She said there wasn't even a town. I explained all this to Capital One, but Capital One has taken their side. My credit rating is in the 800 's. I have never been late for a payment, in more than 50 years with credit cards. I'm XXXX years old. With my company, I've charged hundreds of thousands of dollars with Capital One, over more than 30 years. I thought they 'had my back ', but they take the side of a phony organization in another country. From what I've read, from the complaints posted here, it seems that Capital One will always side with the so-called 'merchant ' over the credit card holder.
XXXX  and Experian are not responding to any of my requests to investigate and remove accounts that do not belong to me from my credit reports.
Hi there, thank you for your time in advanced! 

My issue- I had a plan with XXXX XXXX for a few years. I decided to close the plan I had an switch over to a pre paid account because every month it seemed there was some hidden charge. Before I switched over to my new plan I had {$200.00} left to pay on my old one. I could not pay all of that at once so the accountants at XXXX XXXX said they could set me up on a payment plan of 4 payments of {$50.00}. 
I had been paying the {$50.00} payments for the last 3 months. On the XXXX month it was time to pay my last {$50.00}. When I called in to pay it, the woman on the other end told me I still owed {$200.00}. I informed her that I had set up a payment play a few months back and I have been making {$50.00} payments for the last 3 months. She told me she sees no history of that!! I had been calling in to make the payments instead of going online because I was told the payment plan option was not available online! With this said, that left me with NO receipts to go back to and show proof of my payments. After the woman telling me she see no payment history for me and I had no receipts to show, I felt very discouraged and let down that XXXX XXXX would be so careless. The woman I spoke to either had no idea what she was doing or XXXX XXXX all around messed up and something did not get recorded properly. 
This all happened almost TWO years ago and is now showing I owe a debt collector. I called the XXXX XXXX many times along with the debt collector and no one can seem to help. 

I am hoping cfpb can help me finally get this squared away. 

Thank you for your time!
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX
I sold my house in a short sale and the mortgage company did not provide me with the relocation incentive. At first they said it was taken to pay off liens on the property but one of the liens was not paid because a release was issued on the lien. After I informed them about this they no longer have any excuses and are not offering any.
I have filed a recent CFPB complaint on Bank of America, I had my card reported to Bank of America as being lost and certain transactions I never did and nobody ever handled my issue and I was transferred constantly to department to department and I was ignored about my situation, I reported to several people and nothing resolved and my card was lost and I spoke to customer service and card services about it nothing done and I found the hard when my account was closed and nothing was sent to my house to inform me that the account was closed I just recently had a woman from the compliance department call me an antagonized me on the phone and called me a liar I 'm going to file complaints with other agencies about this situation when I tried to explain what happen I was called a liar and said I made transactions in when I told her I did n't she admittedly went off on me and sent a correspondence to cfpb which I want a supervisor to give me a call because Bank of America did not resolve my situation I do n't appreciate how I was treated I will other complaints this tells I ca n't trust Bank of America do to the fact of how my situation was ignored and how it was handled by the rep which when I ask to speak to a supervisor I was hung up on I 'm very frustrated and angry because I reported what happened to me and nothing was done but I was accused by the rep that called and did not listen and did not care I want a supervisor call me or I will get in touch with corporate to file a complaint against the rep
I applied for a card . My credit score is  over  XXXX ! Capit al one said NO. And they would send me a letter. 30 days goes by no letter! I call and they say the y will look into it and call me in the morning 10 days ago! Still nothing! I have a business card with them for 5 year I have NEVER had a late payment and I spend well over {$100000.00} a year
I had a mortgage with Ocwen Loan which was closed 10 years ago in XX/XX/XXXX. XX/XX/XXXX... 

I see they added derogatory information on my report stating that I have been paying a 30-day late on my mortgage every month beginning XX/XX/XXXX until XX/XX/XXXX. 

This is incorrect as the mortgage was closed in XXXX. 

When I called Ocwen to get this settled, closed and removed, the person on the phone, said, They were only trying to regain their losses. 

This account should not be appearing on my credit reports. 

The last date of Activity on my account with Ocwen was in XXXX.
Drop Mortgage has failed to provide a payment location and amount for a recent loan. This is on top of a disastrous loan process, coupled with shifting data and what can only be described as fraudulent practices at best. 

Their organization is among the most incompetent I have ever had the misfortune of working with. The front end loan folks do n't know what they need for underwriting compliance - even when you use a broker. Across the board everyone I spoke with claimed to be XXXX XXXX compliant. I pressed them for answers about what parts of XXXX they are compliant with, what did they do that was XXXX. They spew these terms without knowing any of the underlying requirements, deadlines, or documentation standards. 

When pressed they make up random answers about delays, new random pieces of paper they mysteriously need after the deadlines, and pick an accuse of the day. That is if you can get them to commit to a date to begin with, XXXX yeah right they sent me a " post consummation CD '' with a note stating " you do n't need to sign this we just wanted to let you know now that you have signed that everything changed BY more than {$30000.00}. I seriously had them tell me my docs would be ready in the morning for over 20 days, they even demanded me to cancel using XXXX because they were done ... only to not be done. 

Even after several layers of management, I was unable to find anyone that could give me a straight answer. In 20 plus years of buying / selling property I have never come across a more inept lending organization. 

Please for your own sake and that of your potential property do not use these clowns.
First, thanks to the consumer financial protection department for giving me their help in solving this problem. It all starts on XXXX/XXXX/XXXX when I open a page called XXXX. Since I opened your page, the XXXX XXXX XXXX started charging {$12.00} and {$1.00} as of XXXX/XXXX/XXXX from my XXXX XXXX credit card. These two fees were charged twice to my credit card without my consent, for that reason I made the decision to call the bank to report those charges as fraud, then the bank made the decision to block the credit card and the merchant sending free so that I would not continue charging. After the bank conducted the commercial fraud investigation, they returned their money to the bank for a total of {$29.00} of the 4 transactions the company had charged to the bank. A few days after the bank had fixed everything with the credit card where they committed the fraud, the charges were removed from the new card that the bank had sent me. After about a week that the bank had already cashed the company 's money, the bank started charging me {$14.00} a fee that the merchant had already paid and they want to charge me, then I call the bank and I speak with several representatives and also with Supervisor to see if someone could help me solve the problem, but none of them solved the problem. The day I spoke with the bank supervisor, I explained the situation and asked why they charged me that rate if the company had already paid their money and I told them that I did not have to pay that money because it is a fraudulent money that they reported and they recovered it because When they return a money in the credit card that says that the money is not mine and that means it goes directly to them, she said that I do not have to pay anything, so I asked her if I do not have to pay anything why that transaction is in my credit account as if I had to pay and after asking that question, she kept quiet because she knew that I was telling the truth and I also told her that if she did not have to pay that money, why? Do not delete that transaction from my account? Then she gave me several excuses to contradict me and confuse me to pay. For that reason, I ask for help for the financial protection of the consumer, because what the bank is doing to me I see it as a fraud because it is charging me money that I should not pay. If you need any proof to help with the case, let me know and I will gladly send it to you and thank you very much for your cooperation.
On XX/XX/XXXX my car was repossed by Ally Finance, I wanted my car back so on Monday XX/XX/XXXX I called redemption department to find out what I needed to do. I was behind 2 months and late charges. They told me how much I needed to pay to get it back, that was {$1800.00}. I did what I needed to do, borrowed the money paid by XXXX XXXX on XX/XX/XXXX. They received the money and everything was released on XX/XX/XXXX. I asked about making the XX/XX/XXXX payment, which was due on XX/XX/XXXX. The gentleman told me to send it by XX/XX/XXXX and send with XXXX XXXX or XXXX XXXX so they would get it on time. I sent {$350.00} by XXXX on XX/XX/XXXX for same day delivery. The following week I started to get rude phone calls about not paying the XX/XX/XXXX payment. I explained I had paid and gave them the reference number from XXXX but they could not find it. I called the redemption department again, asked about the XX/XX/XXXX payment was told yes they received but could not understand why it had n't been posted, this was XX/XX/XXXX. I now have a late charge of {$17.00}. 
Spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in redemption, both found payment and sent to escalation to be posted. Still getting phone calls and being told I did not make the payment plus a late fee. They even asked if I wanted to make a payment arraingement. Ally told me I should have paid on online or called the payment in but they had shut down my online account and at the time the {$1800.00} had n't posted. It posted on XX/XX/XXXX. I then started calling XXXX, XX/XX/XXXX, to check on transfer. XXXX saw where Ally received the payment, could not understand what they did with it. Was transferred to the problem dept where they checked for correct account number, my name, where it went, and the receiving code, everything was correct. XXXX with XXXX, was going to contact Ally about why they did not post to my account and to call back in about 5 days. XX/XX/XXXX, called XXXX was told retransferred the money to Ally and saw they received it again. Called Ally, spoke to XXXX, still cant see it, then was told the reference number she had was an incorrect number and that the XXXX agent gave me wrong number. The number was computer printed with all my info listed and XXXX can find it, so did Ally redemption dept. I called XXXX again, spoke with XXXX who checked all my info again and said that it was all correct. He was going to email Ally again to get this cleared up. 
On XX/XX/XXXX I made XX/XX/XXXX payment but it was applied to XX/XX/XXXX so I am still behind and now have another late payment. 
At this time I have 2 late fees of {$17.00} and still 1 month behind.
XX/XX/XXXX.

To whomever, I have had a

MoneyGram Account for many years and Errors are common with both MoneyGram.com and MoneyGram Payment Systems. Since I initiated the first of seven transactions
on XX/XX/XXXX MonyGram has not tried to contact me either by e-mail, phone or post.

They held my money for the first 2 trans
actions until my receiver e-mailed me on XX/XX/XXXX to tell me MG was holding the money and would not give it to him. 
{ the first was sent on the XXXX and the second was sent on the XXXX } and I receive no notice from MG. 

Unaware of what was going on, I tried to send three more on the XXXX they kept getting an error before I could complete them. Assuming MG was have trouble I tried two more later and was able to get them through.

After an 8 min. call on XX/XX/XXXX, MG gave me two new Numbers and I had to go to a MG store and get my money back. STILL nothing was said about the on line transactions. The only explanation was we choose not to do business with you. 

The initial attempt was on XX/XX/XXXX, I then started to check the accounts on line and discovered the three transactions were still in my MG account marked WITH A RED ERROR, on the XX/XX/XXXX and my bank account had three pending charges for them. 

On Friday XX/XX/XXXX the transactions were completed in the Bank account and still no word from MG. 

After I made a 40 minute phone call to MG on Friday they told me they would need two business days to investigate and correct the problem. That I should see the resolution on Wednesday XX/XX/XXXX. 

Wednesday came and there was NO CHANGE ON EITHER ACCOUNT. 
Another 22 Minute phone call reveled NOTHING, and I was told they needed another 72 hours. 

I called XXXXXXXX XXXX and after another 26 minute call they said they could make the funds available in 12 hours. 

Then on XX/XX/XXXX three transactions showed up on my bank account as pending and the transactions on my MG account were changed from A RED ERROR to canceled. 

I still have not been contacted by MoneyGram.com or MoneyGram Payment systems???? 

I just received three notices from collection agency on XX/XX/XXXX. 
I do not know that You are not a scam and I need an Official notice from MoneyGram.com. 

XXXX XXXX
Repeated calls to our home, and both cell phones from this number claiming to be ally credit ( my husbands car leasing company ) for a few days and then XX/XX/XXXX they called all three numbers within seconds. 

Gave false information and wanted our loan and or social security number when I returned called them. When I questioned them they gave false information on who they were and I reported them to the fraud dept of Ally bank but they are harassing consumers and need to be stopped. 
They are calling from XXXX and telling me their call back number is XXXX both numbers are NOT ALLY bank numbers. The supervisor game me false information XXXX ID # XXXX. 
I called them back to stop the harassment. These numbers are now blocked from my home and cell phones but they are trying to scam.
Noticed transactions on my checking and saving accounts that I did not do. Bank said someone with a fake copy of my drivers license that also knew my account numbers made multiple fraudulent counter withdrawals from my accounts. I made claims with my bank to get the funds back. After 12 business days of no resolution after filing the claim I called bank. Bank made mistake and over stated amount of fraud. That mistake raised amount over threshold that they said required I do an affidavit. But they never told me to do the affidavit. Now I have to wait an additional 10 days for the refund due to banks errors. Especially the fact they never told me about an affidavit.
Chase closed my newly opened account with no explanation and is now holding my entire deposit for ten days. The deposit is {$8500.00} dollars that I ca n't access. They should not be able to hold my money. I did n't even get A reason. I want my funds and I want to be able to pick it up, not mailed.
There is a public record listed Release tax lien, this does not belong to me. I have disputed and will keep on disputing to remove this mistake. Please help
I have a copy of my checking account through federal clearing house that showed my account number was an in-correct number as entered. My account had sufficient monies in it but payments were refused according to PayPal Smart Connect & XXXX XXXX for months through my account. Damage has been done to my credit so I am being refused credit. 
This action took place by the both named above in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Despite numerous called to them I could not get any understanding to listen to my story until I was able to receive copy from XXXX XXXX XXXX in XX/XX/XXXX. The Connecticut Banking Commission gave me your address. 
The XXXX XXXX Financial name ( which ever one would choose to use ) is now being used in my other accounts, accounts controlled by them, & may be a way to frighten me? 
These other controlled accounts are not nor should be of concern is the way I see it for them. 
I want PayPal account paid in full with corrections made to credit reporting agencies.
In XX/XX/2013 I lived in an apartment complex called XXXX XXXX in XXXX, Tx. XXXX XXXX alleged I skipped on a lease, which is inaccurate based on their own records, and then sold the debt to a collector for collection action. XXXX XXXX purchased this property sometime after and has assumed any liabilities associated with XXXX XXXX. I do not owe any money to XXXX XXXX, the debt collector they assigned to collect or anyone else associated with XXXX XXXX. Ive attached the lease for proof. I submitted notice directly to XXXX XXXX prior to moving since I was on a month to month agreement and not a lease per the documents attached. I also moved out in XX/XX/2013 and not the date alleged.
Requested XXXX refinance mortgage from Wells Fargo. I was told because I was reported late in their internal system, on my current VA mortgage that I could not proceed with the refinance. Even though I was reported current on my credit report and I have an email also advising me from Wells Fargo that I was reported current. Then after 6 weeks I received a letter of denial stating product/program not available. Well that is not true. It is available and it is available to all VA mortgage holders who are reported as current on their credit report with a current VA mortgage which I have. 
The letter then advises my credit score was unavailable- that is not true- my credit score is available and Wells Fargo did not run it- I have a fraud alert on my report. Wells Fargo needed to only ask a few questions to verify who I was and make sure I was the XXXX applying. 
If I was n't a Wells Fargo customer already and they would have run my credit and verified my timeliness of my mortgage payments. I was reported late in their internal system due to a technical error, I paid immediately, the late fee was removed, I was reported current. 
What other basis Is needed? 
This is discrimination at its finest- Because of the type of loan, low cost va-refi no cash out Then I show them all the XXXX rules Wells Fargo sent me all the loan papers at XXXX without even telling me the rate. 
I asked for a XXXX because a competitor has offered me that, and our current credit union was lower I sent proof of the rates offered. Then weeks later after I called and called, I finally called from a work line and informed who I was then I was told - I 'm so Sorry we ca n't help you- and I could n't even finish a sentence for a why? before she hung up on me - it 's absolutely ridiculous that I have to put up with this. 
It is n't fair- if they run credit on all non-wells Fargo customers they should run it on all internal Wells Fargo customers and they would have seen I am classified as " very good '' border line '' excellent. '' And they would have given me the time of day- maybe? I do n't know because I was treated like XXXX the entire process when they found out I wanted to refi no cash out at XXXX the closing costs were also on .05 % -- so you tell me? Is this fair?
In XX/XX/2005, I took out a HELOC from XXXX XXXXXXXX XXXX. For a loan up to {$51000.00}. We did not spend or use that amount. We don't know the exact amount when the loan was sold to XXXX XXXXXXXX XXXX. Then the loan was then again sold another company and the amount kept increasing. When loan was transferred we never received any information, we couldn't get access to our account. It took approximately 10 years for them to file a foreclosure. With no contact between back then and now. From transferring the loans several times to current account. The amount has changes astronomically in numerous ways. Each company has a different amounts. We are currently in the process of refinancing the house but we need more time to stop the foreclosure. We are also trying to figure out how a HELOC loan such as ours can slip through the cracks and not get any information remotely close to trying to collect a debt years ago and going straight for foreclosure. Had we had proper notification we could have prevented this stressful situation and remained in good standing.
I am a co-signer on my sisters student loan. It was originally a XXXX loan that was sold to Sallie Mae. I also have loans with Sallie Mae from when I went to college. When I went to my account it shows my sisters loan incorporated into mine, as if I am the payee. I AM JUST THE CO-SIGNER. It actually wont allow me to pay my loans by themselves without selecting custom payment. They also changed my due date on my loans to incorporate hers. However, it was so frustrating after talking to two separate people that I paid the loan off entirely. It shows a XXXX balance, but is still on my account. If Im correct this is illegal. If the debt is paid, I am released as a co-signer and should no longer see the account. I should have never seen it in my loans in the first place.
XXXX  has been non-compliant with removing the unverified account XXXX  XXXX  XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.