WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XX/XX/2016 I sent a certified letter disputing some things and i received the green card back on XX/XX/2016 and they sent me a letter asking me to show my identity I sent it in certified and i received the card also and i called them and they are saying that they did n't get any of my information but i received the XXXX stated that They had gotten the information. And in XX/XX/XXXX i called and spoke to another Representative and she open up a new despite and i did not approve of that. And now i called back to speak with a supervisor on XX/XX/2016 about what is going on and now they have put on things that i have destitute in the past from a year ago and this has affected my credit report in a negative way.
My balloon mortgage became due XXXX 2016, tripling my payment. My payment went from {$270.00} per month to {$910.00} per month. I contacted CitiMortgage 5-months ago to work out a loan mortification. They strung me along for 5-months until I became three months behind in my payment and then the declined my modification for no reason.
As described in the previous complaint, which was against the CRA itself, it is impossible for me to have XXXX hard inquires waiting weeks apart earlier this year. As explained, Citibank XXXX XXXX, XXXX XXXX, SD XXXX ( XXXX ) XXXX was notified of this error in multiple letters and a phone call. Apparently, Citi thought that a letter or a phone call meant that I wanted another hard inquiry done, which I never gave them permission to do so. It is absurd to think that I would expect a different result within weeks, I merely sent a letter asking for application status, and phoned to also discuss the application and if they received my letter. Because of a possible language barrier, it appears that the citibank customer service agent simply would try to run another hard inquiry. It appears that during this time frame of only a few weeks, my credit score dropped XXXX points. Furthermore, until this is corrected, I can not apply for additional credit with anyone in fear that they will look at these XXXX erroneous requests as a desperate attempt to get credit, probably to be denied and to make the situation worse.
I have attempted numerous times to resolve this issue with Capital One. I have used their chat system, phone system, and direct mail requesting attention to and correction of the issue at hand. I am submitting this complaint as a last resort. 

I opened the Capital One Mastercard at hand on XXXX XXXX, XXXX. Several years ago I put the card aside in favor of another, leaving the account open paper statements and automated payments on, in case any charge was incorrectly billed, or a statement not received. I have not used the card in over 3 years. 

On XXXX XXXX, XXXX a charge of {$11.00} was erroneously submitted to my Capital One Mastercard. I was never alerted to the charge, never received a statement reflecting the charge, mailed or electronic, for the month it was billed, or the next. Capital One nonetheless added a late payment charge to my account, and then another, plus interest, while failing to send a statement or alert that there was a balance on the account. I received no phone call, email, or other contact. My contact information is and was correct and up to date. Similarly, my account had automatic payments setup to avoid such a situation, and no automatic payment was submitted or applied. I only learned of the balance from a credit monitoring service after Capital One reported negative information on my credit report. 

I take my credit, reported information, and scores very seriously. I am vigilant about paying my bills and always paying on time. I have XXXX negative items on my credit reports, that is, until XXXX XXXX, when Capital One incorrectly reported the above as a missed payment, to XXXX, XXXX, and XXXX. 

Even after being alerted to their error, Capital One refuses to do anything to correct the mistake. In fact they act intentionally to reaffirm the information they report, without reviewing that it is correct. 

Filing a dispute with the CRAs is useless. Capital One 's nvestigations into disputes are automated, include no human review, and rely solely on the self-reinforcing data they have previously provided. No actual verification takes place. Blanket, automated confirmations sent in response to disputes. Investigations and review of their responsibilities to furnish accurate and complete information are instant, and even take place on weekends and holidays during which Capital One business offices are closed. 

Capital One does not take seriously or respond to requests for review, completely disregarding their responsibilities and requirements as a furnisher of data to consumer reporting agencies. They have XXXX regard for the devastating financial and personal harms they have caused by incorrectly reporting negative information. 

I want to close my accounts and sever any and all relationships I have with Capital One, but am afraid that if I am to close my account they will never fix this issue. It is for this reason I turn to submitting a dispute, in the hope that the error is corrected on my credit report, and that Capital One does not continue doing this to others.
This complaint has multiple parts : 1. Similar to CFPB Complaint IDXXXX, Synchrony Bank recently " upgraded '' my account from PayPal Smart Connect to a PayPal Extras Mastercard. My old account with a long history has been marked as closed on my credit report and a new one has been opened which has hurt my credit score. 

2. I made a purchase on XXXX ( XXXX/XXXX/2016 ) where promotional financing was offered if I used PayPal Credit to pay for my purchase. The promotion stated that I would receive 6 months no interest financing with an APR of 19.99 % after the promotional period ( it now displays as 12 months no interest financing ). The purchase was made using PayPal Checkout and my line of credit with PayPal was chosen as the payment method. Upon receiving my statement dated XXXX/XXXX/2016, the purchase did not specify that it was subject to promotional financing terms. After contacting customer service on XXXX XXXX, 2016, the representative confirmed that my purchase was not subject to promotional financing. 

3. Upon further inspection of the statement, I noticed that the Annual Percentage Rate listed on my statement is 27.24 % variable. After reviewing the terms and conditions for my account, I should be receiving an interest rate of 20.24 % APR or 24.24 % APR for standard purchases depending on my account type, which has not been disclosed to me. Furthermore, promotional purchases are listed as an option at the end of " SECTION XXXX : RATES, FEES AND PAYMENT INFORMATION '' in the account agreement for the PayPal Extras MasterCard.
I sent a cease and desist of telephonic communication on XXXX XXXX, I did NOT make any promise or pledge to make any payment arrangements. They sent me a letter lying about my communication to them and stating that I had made an agreement to pay them. This is a violation of the FDCPA.
I am refinancing my mixed-use zoned home in XXXX ( commercial mortage required ). My current mortgage holder ( Astoria Bank ) is the problem. I first contacted them in XX/XX/XXXX to get a mortgage assignment underway. I was consistently given contradictory and misinformation by customer service reps and have been unable to connect with any dedicated person at the bank to help me through the process. In a comedy of errors, at XXXX point I was evidently instructed to fax paperwork to individuals that were no longer employed by the bank. My refinance deadline with XXXX is now XX/XX/2017 and I am still lacking only the XXXX paperwork from Astoria necessary to complete my refinance. I have invested considerable time, effort and a great deal of money into this process and am greatly fear that my refinance will fail due to the incredible incompetence and run-around I received at the hands of my own bank.
Back in XXXX XXXX erroneously reported late payments on a student loan that was deferred. I contacted the Bureaus directly and provided them with proof of the error and requested that they remove any negative ratings from my credit report. All bureaus complied with the exception of XXXX. I reached out to the CFPB for assistance with getting this error corrected and the same reflected on my credit report. I have since had my credit limit decreased on my Citibank credit cards as a result of this. I have been a Citibank client for about 20 years. I had one credit card with a limit of XXXX and another with a credit limit of XXXX. To my dismay, my limits have been decreased to XXXX and XXXX. I explained to them that this was reported by XXXX in error and it has since been rectified. They sent a pretty standard letter to respond to my rebuttal stating that my limit was decreased due to negative information reported to the Bureaus. I should NOT be penalized in any way by an ERROR that resulted in an incorrect reporting by a creditor. I have exhausted all of my resources in trying to help Citibank to understand the nature of this error. This decrease in my credit is unfair and not related to my credit history or ability to repay. I am asking that my credit limits be restored immediately. I have uploaded copies of the Citibank notice of credit limit decrease along with the original notice from XXXX evidencing my student loan is deferred until XXXX ( late payments were reported in XXXX )
I 'm receiving collection notices from ARS National Services Inc., for debt for a XXXX account which was fully paid. The debt appears to be late fees and interest charges, not charges purchases. I tried to resolve the issue with XXXX over a year ago but they transferred the account to a collection agency and I 've been receiving notices despite several attempts to clear the account.
Case number : XXXX. This is a follow up complaint to the Case number XXXX sumbmitted to CFPB on XX/XX/2016 - Here a summary of Complaint ( Ally Financial has continue to list incorrect and incomplete information on my credit file, I have disputed this account several times with XXXX credit reporting agency Ally financial has continue to list incorrect and incomplete. For example date of first delinquency and date of major delinquency is incorrect with is making the negative account stay on my credit file longer ). As of today XX/XX/2016 the account has not been corrected and still reported as derogatory account. I contacted Ally financial several times on XXXX/XXXX/16 and XXXX/XXXX/16, which was not an easy task and have been advised that I was correct and an update was send to XXXX on XXXX/XXXX/16 to update delinquency as is the way pass the 7 year mark. I am not going to wait another 30 days for Ally and XXXX to get they act together and have this account corrected. This has been a nightmare and inconvenience to me to have to go these lengths to have this account corrected removed. This correct need to be handle ASAP or I will seek legal action. I have attached the response from Ally from XXXX 2016.
submission # XXXX SELECT PORTFOLIO SERVICING INC. 1. XX/XX/XXXX forwarded debt validation letter to select demanding claim and ownership of note.forwarded copies instead of originals as demanded. SELECT representative suggested I may come to their office in XXXX Utah to examine the originals. since then on XXXX occasions notices have been placed on my door in spite of cease and desist until debt is properly validated. 2. ) XX/XX/XXXX RESPA QUALIFIED WRITTEN REQUEST forwarded by certified mail Select representative responded with refusal to answer all questions explaining some of my questions will not be answered because some my questions are overly broad or some of my requests will not be answered because of propriety and confidential information.3. ) response forwarded with an enclosed affidavit to representative XXXX XXXX demanding a response in her private capacity under penality of perjury have yet to receive the affidavit or a response.4. ) certification of non-response/non performance forwarded and presented XX/XX/XXXX to RESPA letter with NOTICE OF FAULT IN DISHONOR 5. ) CERTIFICATION OF NON-RESPONSE/NON PERFORMANCE and NOTICE OF FAULT IN DISHONOR forwarded XX/XX/XXXX to debt validation letter.
I receive a phone call from XXXX saying they are XXXX Credit, that there is a XXXX account in my name, not at my address, that has a bill for {$500.00}. They leave no voicemail, and are never able to answer when you call back. This has been going on for months. I have had my credit checked and fraud alerts on and nothing matches what they are saying is the issue. I need this to stop.
I have several hard pulls on my report that are not mine. for months I have been trying to work with eqifax and have even disputed the pulls. the dispute was entered at night and not 8 hours later they stated they investigated it and they were not pulling the wrong info down. I also disputed the info with experian and XXXX whom took my report and took the wrongful hard pulls down, started a fraud alert and were very helpful. Equifax is near impossible to get anyone that can or will do anything, today I filed a police report due to hard pulls that are not mine, Equifax stated they would not do anything about it. I 'm submitting complaint here in hopes to get action.
The eversource company has continued to try and collect a debt from me from an account that was opened in a nearby town in 2014. They sold the collection to collection services, knowing that I believed the account was fraudulent! In 2014, I still lived at home and I was still a minor under the age of XXXX. I have called them numerous times, and they have said time and time again that they would not try and collect the debt anymore. Now it keeps showing up on my credit report, even though I never opened the account to begin with! My ID and plenty of paperwork proved that I did not live in the billed city and I was not of legal age to even open an account. I do not know who stole my identity but I want the debt cleared.
Merchant XXXX made a mistake by debiting {$370.00} from my account and once I talked with them about this error I had already paid {$120.00} towards my XXXX bill they credited back the {$370.00} back into my account and now Chase bank is not honoring this transaction I was on a three way call with chase bank and XXXX and they did verify the error and now my funds is not back into my account as Chase bank did agree upon now my account is overdrawn {$450.00} now chase bank will not credit my money back into my account whatsoever.
I was contacted today ( XXXX/XXXX/16 ) at XXXX by Midland Credit Management from XXXX and was given the name XXXX as the representatives name. I immediately knew the reason for being contact because six month prior to today, I agreed to have funds taken out of my checking account and was told that I 'd be contacted to reconfirm the recurring payment. Today the representative XXXX refused to allow me to continue making my current payment and demanded that I increase my payment. She told me if I do not make an increase in payment that my account would given to someone else and that she would not be able to help me anymore. This was an attempt to scare me making payments that are outside of my current capabilities. I explained to her that is would be ok if my account went to someone else because the payment that I 'm making is all I can do. I also asked why they were unable to take my payments any long and was told because I need to increase the amount and the rep. continued to demand more money from me. I do not see how that is fair when I am in agreement that I owe the debt and I am making an attempt to pay it and it was flat out refused.
On XX/XX/XXXX, I initiated an online money transfer to XXXX of the amount {$130.00} via Moneygram. Initially, it showed a fee of {$5.00} and then I applied a coupon and fee was reduced to {$2.00}. At the end of the processing, I received a receipt from Moneygram ( also available at their website ) which clearly stated total amount as {$130.00} including fee ( {$130.00} transfer amount + {$2.00} fee ). For your information, I selected funds to be taken from bank which has {$0.00} processing fee. 
Next day XX/XX/, Moneygram charged my bank account ( XXXX XXXX XXXX ) an amount of {$130.00}. I noticed a discrepancy of {$3.00} ( although amount is small but it's a matter of principal ) and contacted Moneygram about this issue. Moneygram wasted an hour of mine and told me I owed only {$130.00} but they don't know how I got charged more. They told me to ask bank and bank told me that it's Moneygram 's issue because they are charging me more. Long story short, I am out of {$3.00} and Moneygram keeps pointing fingers at others. 

I have a receipt from Moneygram and a bank statement both at hand and I can show you anytime. Thank you so much for your time and I look forward to hearing back from you.
Said they were XXXX XXXX. XX/XX/XXXX They could not give me adequate info on a debt. Called HSBC as instructed by XXXX and they have nothing on file for me. HSBC said to ask them to validate the debt. XXXX can not validate the debt other than a charge off date ( XXXX ) and last 4 of the card. After speaking with Mrs. XXXX ( after they called at XXXX ) several times on XX/XX/XXXX. she sent my file to " fraud ''. 
They called me again on XX/XX/XXXX robo message left om my phone, XX/XX/XXXX they called me again with no message left. XXXX another man calls me and is very abusive yelling at me that i don't understand what mediation is and he is trying to help me. He keeps saying that they are mediators, he would never admit that they are a collection agency, which is against the law! I requested him to mail me something and he said " why would I waste my time mailing you something if you don't agree to my help '' He yelled the entire time, said that " THEY '' are going to put a judgment against you and put this back on your credit and garnish your wages, then he backtracked and said that they can't garnish in my state. I asked for his supervisor and he said " what part of " director '' don't you understand in my title! I am the supervisor!! He hung up on me and I called him back. Told him that my only goal is to get information to validate the debt because i knew nothing about it. He accused me of lying saying it's been on my credit report. And that I would have to file a police report to dispute it, but no one is going to believe me in the court of law. I placed my complaint on XXXX with what my complaint was. They called called me today and said that it sounded like this debt collection agency purchased a really old file and they are trying to get folks to pay for things that are not even active any longer. XX/XX/XXXX I called back ( XXXX XXXX  ) today on the first numberXXXX as the number from the man was not good ( XXXX ) I got Mrs. XXXX and informed her I was recording the call. Asked her to validate the name of her company ( 4 times ), she kept saying hold on, hold on ... .I said that's a very simple request ... ..she then said " XXXX XXXX and I do not give you permission to record this call ''. Bottom line, I did have an HSBC card that was included in a bankruptcy over XX/XX/XXXX years ago, so this should never be coming up and I should not be getting any calls from anyone. Told them never to call me again and she responded that she would let the case manager know.
I purchased my owner occupied home in XXXX XXXX, CA XXXX in XXXX. 
I used 80/20 financing from XXXX Mortgage/Litton. 
I defaulted in XXXX. 
I was negotiating a loan modification with Litton. Later Litton sold the 1st XXXX to Ocwen who modified my loan in XXXX, writing off about {$350000.00} of principal, lowering my loan amount from about {$570000.00} to {$220000.00}. I had to " earn '' this reduction by making timely payments for 3 years, etc. 
Now I have discovered that Ocwen did not eliminate the 2nd ( from the original 80/20 purchase ). 
I believe a case can be made that Ocwen should have eliminated the 2nd at the time of the modification. 
By not doing so, Ocwen effectively transferred the equity/benefit of the Principal Reduction to themselves! I believe it is irrelevant that Ocwen does not own the 2nd : the current holder of my 2nd, XXXX XXXX presumably paid good money to someone for it because they are demanding {$110000.00} from me! So something that had no value was given ( my ) value fraudulently. 
I believe Ocwen was " paid '' by the US Government to provide me with this loan modification because I believe it was the result of a settlement with the US Justice Dept. whereby Ocwen agreed to do penance by offering loan modification to atone for its sins. 
So I believe a case can be made that Ocwen defrauded both me and the US Govt. XXXX/Litton XXXX al is also guilty because someone sold a worthless 2nd that is now worth {$110000.00}. 
The 2nd XXXX had no value before the principal reduction and should have been eliminated if Ocwen had used a modicum of common sense. If they had notified me, I could have negotiated with the 2nd, just as is routinely done in Short Sale transactions were is it almost universally true that XXXX sign off for nothing or close to nothing because if the 1st is underwater and doing a Short Sale, the 2nd is worthless. 
It seems to me that a case can be made that Ocwen had a duty to me because since they were modifying my loan they were in the similar position of a Mortgage Broker or Bank with Superior Knowledge. 
It seems to me this is a possible test case/ class action case. There must be many defective loan modifications out there similar to mine where the banks defrauded the US Justice Dept and the borrower. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
My car was repossessed by Snaac XX/XX/XXXX on a Friday. I made the payment the next day. I called to verify that they had received my payment. Snaac said that they did, but I would have to wait until Monday to talk to the department that handles repossessions. I called Snaac Monday and a representative informed me that my car was scheduled for pick-up to be taken to auction. She told me she would fax XXXX ( XXXX, Texas ) the necessary documentation to stop them from taking my car to auction. I called the towing company to let them know that Snaac would be faxing them said paperwork and that I would be calling back. Later on I called back and was informed my car was being taken to auction ( XXXX, Texas ) because they never received the proper paperwork to prevent them from taking my car to auction. I live in XXXX, Texas. I immediately called Snaac to find out why they did n't fax the paperwork, and the representative in the repossessions department informed me that she did fax over the paperwork. Either company did n't want to take responsibility for the horrible mistake that was made. I did n't get my car back for four days. The supervisor informed that any and all fees for repossession would be waived because it was their mistake my car was taken to auction. XX/XX/XXXX Snaac tried to reapply charges to my account for repossession fees. XX/XX/XXXX, I decided to retrieve a copy of my credit reports from all three bureaus. I noticed Snaac reported late payments and a statement to my report saying " redeemed possession '' months after the fact. It was recently added to my credit reports. I do n't understand why that is so many months later and after the horrible mistake that they made and penalized me for. This is what prompted me to submit a complaint. Snaac has phone recordings that pertains to this situation in their archives.