WillisBack/dataset-financial-user-claim huggingface dataset:
GM MasterCard by Capital One. I 've been a customer since XX/XX/XXXX ( XXXX years ) and never had a late payment. It 's been all setup with autopay for many, many years. I have n't used the card in the last year, so when the {$39.00} annual fee was assessed I did n't know to lookout for it. 

Sometime in the past year, the bank switched their website. The card issuer 's change broke the link the autopay setup at my bank. So I never got a bill and of course could n't have paid it. Magically though, they reached me via paper mail to assess a punitive late fee and penalty. 

Today I tried to call and resolve. After a long hold, my request to have the penalty/fee removed was denied. I asked to speak with a supervisor and spent an hour on hold before being disconnected. I resorted to XXXX, where I got an immediate response. But after being strung along unprofessionally for hours ... the agent offered zero substantive help. Just generalizations about a bad technology weekend and that any fees would be rolled back. Not really paying attention to the story or even looking anything up. It was literally hours of wasted nothing. 

An entire evening of my life wasted. I do n't care about stupid {$50.00} so much as the principle. THEIR technology change caused this failure, not mine.
Credit Bureau has not adjusted my account with XXXX XXXX as paid and current and there is no balance
I am a court appointed guardian for a legally XXXX person. I have been the guardian since XX/XX/XXXX. I have had a guardianship bank account with Chase Bank ( now JP Morgan Chase ) as Guardian since XX/XX/XXXX. I pay all of my wards bills. XX/XX/XXXX, Chase closed the account without any notice to me, with no explanation at all, and my ward 's rent checks, utility checks, phone bill, hospital bill payments, clinic payments, all bounced. Then, after closing the account ( which had nearly {$7000.00} in it at the time ), Chase sent the funds not to me as Guardian at the address listed on the account, but instead to my ward 's address. Since he has a XXXX XXXX, he had no idea what the check ( XXXX ) were, and only due to his sister finding them did I recover the funds. Chase has failed and refused to address this in any way.
Hi, I filed for price protection for discover credit card. I submitted all the required documenation as per mentioned in price protection policy. However, they told me later i need to submit documentation pertaining to return credit from the same store for last 2-3 months. This was not mentioned in price protection policy and i did not save the return receipts. Discover customer representatives told me that they agreed that it is not mentioned in policy. I need to know why they are not honoring my claim if it is as per the policy.
The collection agency XXXX XXXX XXXX is damaging my credit report stating I owe for medical bills. I do not have a contract with them at all.. I sent out a validation letter on XXXX XXXX 2017 asking for verification/validation ... They sent me a letter stating the debt was validated but sent no proof or invoice..I sent out another letter asking for validation with a invoice and have yet to receive a response ... Due to the HIPAA law my rights were violated ... I never agreed for a third party or any party to have access to my information ... therefore this collection agency needs to be removed off my credit report ...
In XXXX my wife and I were able to pay off our mortgage that was held by XXXX XXXX XXXX. In XX/XX/XXXX we opened a line of credit with XXXX. We borrowed {$30000.00} to repair a rental property we own. XXXX has done a lot wrong with our contract, changing most of it without consulting us. 
Early in XXXX XXXX started referring to themselves as my mortgage company. Because we have no mortgage ( paid off in XXXX with XXXX XXXX XXXX  ) I questioned XXXX about what they thought they were doing. I accused XXXX of predatory lending and started looking for a attorney to help me with this issue while I continued paying on the account. On XXXX I got a letter from Select Portfolio saying. they will be servicing my 2nd mortgage account. I called select portfolio and spoke with, XXXX XXXX. I told her I was seeking legal help with XXXX and to please wait until my complaint against XXXX was addressed. I continue paying XXXX but stopped when XXXX returned the last two payments  I sent them. I felt that going forward with an innocent, Select Portfolio would leave my wife and me Unable to recover position. So payments did not go to Select Portfolio, ever.Now Select Portfolio is attempting a foreclosure. They dont hold a mortgage for this property. Please help.
Equifax is reporting my SSN incorrectly. When called to get it corrected, they advised that I may fax a copy of my SSN to them to get it corrected. I would prefer to use a method of communication that is A. Available to everyone in the XXXX century, and B Secure. I can not email it via a secure link to anyone, upload it securely or otherwise. All other credit bureaus and the SSN office has it correct, this is an Equifax issue. Equifax is unwilling to assist in getting it resolved.
On XXXX XXXX, Recievables Management Systems was notified by XXXX that the debt was paid in full. 

On XXXX XXXX, Receivables Management Systems send out a Notice of Credit Bureau Notification, stating that I had not paid my debt and that they would be notifying the credit reporting agencies. 

Upon calling them to resolve the situation, I was interrupted constantly before I had an opportunity to explain my problem, and subsequently hung up on. 

I am concerned they will notify the credit reporting agencies in spite of my debt having been paid.
I originally submitted a complaint based on denial of the short sale because of affordability, they agreed they were wrong because I am in the military XXXX VA. Now mt problem is with the counter offer price they asked for on XXXX XXXX. The comps for the fair market value are around XXXX. They originally countered at XXXX back in XXXX 2015. This time they countered with the same buyer for XXXX. I am attaching the comps that were requested when we first disputed the counter offer. Nobody has returned my calls from Wells Fargo, and I have called several times as well as left messages. I would like to know what basis they are coming up with this sale price, especially when the buyer 's bank goes for an appraisal it will not be anywhere near XXXX. They have come down XXXX from XXXX, but are still extremely high on their asking price. Why would anyone purchase a home for more than it is worth, and what bank would loan them money for a home that was n't worth the asking price? I truly do n't understand and feel XXXX XXXX is taking advantage of the situation. I have a buyer, ready to purchase the condo for fair market value, why would they intentionally sabotage the deal with such an absurd counter offer? Would they rather I let it foreclose? I would like an answer to the ultimate question and what their appraisal found the fair price should be, based on the comps I am including.
The problem continues to exist after repeated attempts to explain I make the payment in the store and it is never recorded until several days later. Almost every time, the collections are calling when the payment has already been made. Then they try to explain that it does not update right away. We are requesting XXXX XXXX jewelry to stop reporting late payments and remove the 30 day late and acknowledge there is a delay in payment being processed!!! I further request proof of being late thirty days. I always make my payments in store several days after the XXXX of the month, but never 30 days after!
This company sends me a notice demanding payment within 30 days but does give me any information other than the name name XXXX XXXX XXXX. Why is a Texas collection agency trying to collect from someone in Alaska? I have never heard of XXXX XXXX. I demand validation, not just verification. I demand to know who XXXX XXXX is, I demand to see any contract I have signed with this company within 7 days or you will agree to cease and desist. Yes, you do have to validate this debt as requested. Please be advised that upon request I will give this collection agency an attorneys information so that they can directly deal with the law firm.
There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a XXXX. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate XXXX. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by XXXX %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.
When I started to lookup how to consolidate my loans, I did not know what I was doing, I did not know what plan was best for me nor did I understand the terms. FedLoan Servicing told me what to fill out and that they would " select the best plan for me '' and of course as it turns out it was not the best nor was the payment affordable. I am now stuck in the plan because they refuse to switch me and I ca n't afford the payment. I spoke to another servicer and they said that I should not have a problem switching. 

I have spoken to them many times trying to explain what happen an how their agents mislead me about their plans and did not fully explain them and still they refuse to budge. Now I 'm a month behind already and still ca n't afford the high payment they set. 
There is a plan that would make my payments affordable for me and would help me pay my loans on time but they refuse to switch me to the plan.
On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called AD ASTRA RECOVERY SERVICES who was servicing as a collection agency for XXXX XXXX. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my XXXX 

Date reported : XX/XX/XXXX Original Creditor Name AD ASTRA RECOVERY SERVICES Date Assigned XX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX Status Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date Filed XX/XX/XXXX Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX Asset Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.
On XX/XX/XXXX, I left my card at a XXXX XXXX gas station while purchasing gas. Since I was driving out of town, It took me an hour or two until I realized my card was not in my possession. I then immediately called the card member service and reported my card as lost/stolen. There was one unauthorized charge for the amount of {$3100.00} from XXXX XXXX   on my credit card. The fraud agent on the phone flagged that charge as fraudulent, told me I am not going to be held liable for this charge, ordered a new card to be sent out, and informed me of a declaration of fraud letter which I might receive in the mail that I'd have to sign and send back. Everything was good until I saw the charge got posted back into my account on XX/XX/XXXX. I immediately called the card member service fraud department to see what is going on, and I was told this is a mistake, it has posted onto my new card, since when I declared the charge as unauthorized, it was still pending, and that I will receive a credit back onto my account within 10 business days. I waited, and waited, and saw no credit on my account. Called the fraud department again after the 10 days waiting period was over, they told me they are going to request the credit to be issued back onto my card asap, and that this will happen on the next business day. I waited for another few days and still no credit for this fraudulent charge on my account ... I am tired of having to call every few days, hearing false promises, and then getting disappointed again. Please fix the issue.
I received a letter that I owed XXXX XXXX XXXX for unpaid debt. XXXX years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX XXXX XXXX XXXX. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.
I have had a on going problem with Nationstar Mortgage every since i started paying extra on principal. There latest is to cash my check for {$4400.00} on XXXX XXXX and as off to day have n't entered it on my account. I have called them the pass XXXX mornings to get them to put the {$4400.00} on my account. so what my phone calls to them have accomplished is they have change my online information from ( last payment of {$5800.00} was received on XXXX/XXXX/2015 Past due amount of {$14000.00} due immediately, Next payment due on Friday, XXXX XXXX ) to ( Last payment of {$14000.00} was received on XXXX/XXXX/2015, Next payment due on Monday, XXXX XXXX, 2015 ). The check for {$4400.00} that they cashed on XXXX/XXXX/2015 still has n't been accounted for. I 'm sure that my case is just the tip of the iceberg with this company. With my dealings with this company it is almost certain that they have criminally and knowingly defrauded their customers out of XXXX abound XXXX of dollars. With this being said I 'm sure they have defrauded the federal government out of a lot of money also. 
I think it is time for the federal government to step in and shut them down before they steal more money from there customers.
Capital One needs to be fined! They absolutely refuse to help with the payment of XXXX accounts that are past due. They will not lower the interest or the payment amount!!!! I thought this was mandated by the federal govt????????? And they keep giving {$35.00} a month late fees, make them stop that!!
my ss # was used without my consent, i contacted the IRS, and other creditors to resolved this matter and they have been more than helpful to resolved this.
I have sent four letters via USPS Certified with Return Receipt to XXXX. None of them have received a reply. The last letter was sent to both customer service and their executives to ensure that indeed the letters were being received. 

The USPS tracking numbers are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX & XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Be aware, I am NOT inquiring about validation. I am inquiring about why XXXX claims they replied with validation to my initial BBB complaint when that can not be the case. I had the wrong account number and wrong original creditor listed. XXXX sent validation for a completely different account and Id like to know why this happened as Im sure XXXX  understands replying with the wrong account information is a serious problem.
Regions Bank - I have checking accounts with them. These accounts have debt cards linked to them. On some of my debt card transactions ( not recurring transactions ) I have been charged overdraft fees for insufficient funds. Regions allowed these transactions to go through. Thus, they charged me each time an overdraft fee. 
I did not have the optional overdraft protection that Regions offers. Am I eligible for Regions to reimburse me these overdraft fees they charged my accounts instead of not allowing the transaction to be processed?
i have sent fraud paperwork on this account and this company refuses to remove this account of my equifax and is holding up home loan process. i call them and they stated that i paid this account already, and its been closed, before XX/XX/2018, i have never spoke to this company before.
I recently had a closed account with XXXX XXXX XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to XXXX. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX  XXXX XXXX ) Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. 

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score.

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
I made several complaints against Wells Fargo in the past 2 years, my 2 last ones are left unanswered by the bank ( complaints XXXX and XXXX ). Last week, my attorney had to call Wells Fargo about the mortgage payoff statement. Guess, they did send it to the other bank since XXXX/XXXX/17 and was waiting for a confirmation. I can not understand a bank to bank would take that long. Even, why after a week they did n't call to make sure that the other party had received the money. It must be at least a couple of XXXX XXXX of dollars. If that does n't bother them why can not they pay my legal fees for the entire process? It wo n't call that much. What about me? I have been fighting for this for so long. Noone cares to reassure me ; they just let me worried and desperate. It is wrong, really wrong. 
As of this hour, they still did n't send me any confirmation. XXXX XXXX called me but no written document to confirm the transaction. By the way, when will the mortgage satisfaction be recorded? That shows again Well Fargo insensitivity towards their customers. It is really a pattern for this company. I was shocked today when I read something online about them again. In a letter to Acting Labor Secretary XXXX XXXX, Senator XXXX said she noticed on Tuesday that the site ( www.dol.gov/wellsfargo ) was gone and contained the words " Page Not Found. '' Yes, it is true. I just checked and it was still down. This is upsetting. Who is going to help us, the little guys?
this company just put a deerrogatory on my credit report and this debt was paid directly to hospital over 9 months ago. i am enclosing a copy of the online receipt for this account.
I have a derogatory remark - bankruptcy - on my Experian credit report that does n't belong to me. I sent letters and called Experian numerous time but the remark still there. 
Please help. 

US BKPT CT NJ XXXX
I recently disputed this charge via credit bureau. this charge was covered by Medicaid and was signed for by my ex husband. Not me I am not responsible for this debt. Commonwealth financial fraudulently purchased this as a debt. It had already been paid for. The original debtor ( the hospital ) doesnt even show this debt. They do not even have any personal identifier such as social security number.
I wish to have your assistance in disputing XXXX charges paid on my statement as " Legal Fees ''. I have since discovered that they ( XXXX XXXX XXXX ) are unlicensed and under FBI investigation for their lack of licensing and unethical conduct. I paid them a total of {$7300.00} on XXXX separate charges XX/XX/2015 {$5900.00} and XX/XX/2015 {$1300.00}. Please see that this charge is reversed they are not who they say they are and are soon to be shut down. I paid them and the services that have not been rendered.
Leased car through Toyota financial services. At end of lease, bought the vehicle. During the time between end of lease and processing of purchase, the account kept posting new payments. TFS told me twice on phone that I did n't need to make those payments. Now that account shows as 30-60 days past due on my credit report. TFS never answer phone ; automated system says account associated with my information is closed and for unforeseen reasons, no customer support person is available to answer my call. Need the negative information removed from credit report as I never delayed a payment except when TFS told me to not make one. Disputing with credit reporting agencies has yielded nothing either.
This debt is not mine and it 's affecting my credit how can I get this resolved and removed from my credit report..