WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts from XXXX XXXX XXXX XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for this agency furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.
This is my second complaint about the same investigation that equfiax has claimed it verified with a debt collection company that i had filed a complaint on with CFPB Complaint number XXXX which Equifax claims is correct and was verified. However, XXXX was unable to verify the information that Equifax claimed that trident verified. They did n't even show proof of verification other than a statement they verified it with my name and social which was a lie since trident was unable to locate any of that info. I will attach my Equifax credit report, my original complaint XXXX which Equifax lied about that they verified, and my complaint against trident in which they admit that this was incorrect and have requested deletion off my reports with cfpb complaint number XXXX. I demand they remove this item off my credit report and review their so called " Verification Procedures '' which obviously are not true.
I have paid this account regularly for years, however the XX/XX/2018 bill was credited with both the XX/XX/XXXX and XX/XX/XXXX payment. 
I caught this situation and contacted the XXXX XXXX XXXX XXXX to see if they would remove the fee charged on the XX/XX/XXXX bill. I also expected the bank to Credit the XX/XX/XXXX payment to the XX/XX/XXXX bill, past practice has always allowed this re-credit and I had no reason to think they would not do what had been done in the past. 
The XXXX XXXX XXXX dropped the initial fee, however they neglected to reassign the payments as they were intended. 
Now my credit has been muddied and there have been threatening letters accusing me of being behind in payments. 
I am retired and on a tight budget, so the additional money The XXXX XXXX XXXX has requested would have to come from savings. I have made every payment as per our past three years of the account and believe the Bank has singled me out without cause. 
The XXXX  XXXX XXXX has demanded an extra payment and added {$70.00} in fees that I believe are unfair to me and my family.
I have a card with Capital One - about two years ago I experienced a financial hardship ( divorce & my mother unexpectedly passed away ). I was forced to pay both rent in XXXX XXXX and my mortgage. I understand that the default was my issue and I had an agreement w/ Capital One to make monthly payments, which I failed to do for a a few months. The account did not charge off, but instead is restricted. 

I called and spoke with an employee and was told that once an account is restricted it's basically closed until I pay off the balance. I understand this as I did miss several payments, but why not just close the account if they have no intention of restoring use? 

Where I take issues is 1. they have effectively closed the account ( as I was already told the account will never be reopened. ), they do this to avoid Reg-B requirements to issues an adverse action notice and 2. they have the audacity to continue to charge me a membership fee of {$39.00} for a membership I can not use. 

This is abusive as it take unreasonable advantage of me as a consumer. I'm not asking for a handout, like the one Capital One got from the government during the XXXX recession, but to be treated fairly. If they are going to close the account, close it and stop charging me membership fees. They aren't a credit union anyway - how can they have a member fee? They are losers who failed multiple times in the mortgage space. They have a history of UDAAP violations, as evidenced by the XXXX consent order where they were tricking customers into signing up for their credit protection / monitoring service. 

Lastly, I set up autopay to pay {$100.00} a month until the {$700.00} balance was paid off, they stopped drafting the {$100.00} and began to only draft {$15.00} - which will take forever to payoff - another UDAAP violation. They should change their name to UDAAP Bank N.A.

Capital One needs to be investigated for their continued UDAAP. Enjoy the read XXXX.
I have disputed this account multiple times with XXXX and XXXX XXXX. I asked for verification and validity of this account. All XXXX XXXX sends that back is a screen shoot of a bill. 

This doesnt prove this account is mines at all. They are breaking the law by continue to report multiple accounts on my report.
Subject : in reference to previous case number : XXXX PNC bank appeared to understand that our family is under severe financial pressure and that we were trying to make sure that nothing automatic came to the account. We still did n't have money to fund the account for eventualities. However and unfortunately. Even after many efforts to change which bank funds come out of, these XXXX {$25.00} payments slipped through due to a several step process at the other bank 's web interface. 
This happened again, overnight, and, without notice and without a chance to cure anything, the account was thrust into chaos and is experiencing deep predation at the tune of almost {$200.00}. I ca n't even begin to think where I 'm going to get money to satisfy the depredation that is taking place. Call after call, I visited the branch manager, he called them too and was turned away. Our account is being held hostage by PNC. We have the XXXX dollars those payments debited. But they take their fines first so there 's no way to fill that hole. They 're forcing ruin onto us. PLEASE HELP US. We disputed their closure in the previous case, because this all happened so fast, the problem was almost fixed completely but in the last stretch, the bank has turned it 's back again.
Consumer Financial Protection Bureau assisted me with complaint Transaction ID : XXXX back in 2013 due to Bank of America not cooperating with a re-finance request. 
I am now writing due to the fact that after the completion of my divorce the house was awarded to me and is current. After the divorce I had to file bankruptcy due to bills that were accumulated by my ex-wife and she was not required to pay them back due to full XXXX. My complaint with Bank of America is that they will not discuss allowing me to refinance or take advantage of any of the HARP programs because the loan is privately held. Per court order I am required to refinance and remove XXXX XXXX from the title. BofA did allow me to submit an Assumption ( Request Consent to Add/Remove Family Member from Deed/Title ( approved per BofA ). I need assistance pursuing my need to re-finance my home as this is very stressful to be stuck in a situation where I am paying my mortgage and feel vulnerable to the bank.
My XXXX account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with Equifax as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XX/XX/XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXX with them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XX/XX/XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XX/XX/XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact XXXX today XX/XX/XXXX and was transferred to XXXX. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my XXXX tradeline that is not reporting as derogatory, it is reporting as unrated currently on Equifax and XXXX now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that XXXX is providing them. XXXX is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.
My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. On XXXX XXXX I noticed that my driver 's license, credit cards, debit card, social security and pin was stolen from dorm. I also discovered that a substantial amount of money was stolen out of my bank. I immediately notified the authorities. It has been determined that my room and other student 's rooms have been broken into. My money was taken from XXXX while I was in XXXX in class. My professors have testified that I was in class when some of the charges were being done and my swipe card and survellienance cameras also prove that I was not in XXXX at the time and in fact on campus. Bank of America has refused to acknowledge my findings, police reports and statements. My bills are being shut off as we speak and this is my only source of income. I just want my funds back.
XXXX blocks customers from retrieving their consumer data via thirds parties. XXXX XXXX is near impossible to use.
I do not have a direct line at work. I work for a company that has busy phone lines consistently from opening to closing. There is one person that operates a switchboard and transfers calls to the perspective parties. I have asked Performant Recovery more than several times not to call my place of employment for this very reason. We are not allowed to receive " personal '' phone calls on our work line. Everytime I get a call my boss reminds me of this even though I know the rule.
Beginning in XX/XX/2018, after XXXX yrs paying my auto loan as agreed, the lender-PNC Bank began a pattern of not applying payments at all or excessively late. Note, prior payments were made as agreed. Further, PNC Bank then started harassing collection calls and letters. In response, I repeatedly called PNC Bank to reconcile my account and determine where payments were being applied. Each call was an repeated effort of revisiting every detail previously discussed without PNC accepting any ownership for remedy, other than, " will you send another payment. '' On or about XX/XX/18, as requested by PNC Bank I met with a bank branch representative. The Branch representative spent time calling customer service representatives to trace payments with the documentation I provided. Net result was only providing copies for their internal investigations, again without accepting any ownership for a remedy. This back and forth dialog became so difficult to manage that on XX/XX/2018, my other Banking institution ( XXXX XXXX ) who issues my " paper checks, '' issued a stop payment on XX/XX/2018 pay't, at their own expense and in good faith, because of the excessive delays. In addition, a payment was a assessed a {$40.00} late fee, which despite statements claiming to reverse the fee, appears on my account. 

By way of explanation, at various levels PNC Customer Service stated that a " processing system '' change which started in '18, might explain the issue. Another representative suggested an extra digit on the front end of our account might explain the problem. Still no one has suggested a fix other than to use " paper coupons '' that were NOT needed pre-2018. 

Making matter worse, PNC Bank has sent derogatory notices to the major credit reporting agencies suggesting serious delinquency.
In  XXXX   XXXX  my wages were garnished by  XXXX   XXXX   XXXX  on a student loan that is with Navient formerly  XXXX   XXXX . I verified my address but never received any paperwork regarding a court date for wage garnishment nor even a phone call.  <P/> In  XXXX   XXXX  I contacted Navient and they stated that I did qualify for income sensitive payments But I needed to get the loans out of garnishment. So I contacted the  XXXX   XXXX   XXXX  and was told that paperwork would be mailed to me to fill out so that I can get the loan taken out of garnishment. The paperwork never came in the mail as requested and promised.  <P/>  XXXX / XXXX / XXXX  Contacted Navient re getting loan taken out of garnishment and was transferred to  XXXX   XXXX   XXXX  who stated that they are garnishing my checks 15 % of each check. I was offered to pay the balance in full, 85 % of balance owed or  if I had 2 referenced I could go into a repayment program. When I stated that I do not have 2 persona l referenced they stated that I either pay the balance in full or the 85 %. Currently they are taking 30 % of my income a month. As a single parent I can not afford to live. If I work extra hours they take more money.  <P/>  XXXX / XXXX / XXXX  When I called  Navient  back, they took a complaint and stated that they would not notify me of the outcome but I could call the  m back in 7-10 days to find out what was going on with the complaint.
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I qualify for income sensitive repayment as well as the   XXXX   XXXX   forgiveness program but can not even get the help I need to get into these programs. And everytime I contact   anyone I keep getting transferred to another agency or department.
O n  XX/XX/XXXX  I called Military Star to see w hy my online payment did not go through o n  XX/XX/XXXX  like I ha d made on the website. When I called on the   XX/XX/XXXX  and ta lked to someone to try to find out if it went through, the lady was rude, she asked mine and my husbands name, address, telephone numbers, checking account number, MY military star card number, and asked if I or we were both joint on our checking account. Then she put me on hold for  five mi nutes, When she returned she asked if my husband was here and he was not he was driving on his way home from out of state. I asked if there was a problem and stated that I was just trying to figure out if my payment had went through or if I did something wrong. She said her boss said as a  one tim e, courtesy they would give me the information I was needing just this  one time be cause on the online account it was only listed as my husbands name and not mine on the payment option on the website. She said the payment was set up to come out i n XX/XX/XXXX    and  not    XX/XX/XXXX .  So  it looks like I accidentally hit the wrong option for the date. I then asked her if I would just need to go back online and re submit the payment and correct the year and she said she could n't give me that information and asked if my husband was around again. I understand completely that they are just doing there jobs and they have all of the protocols they have to go through for proof, but she had asked me everything possible and seen that I was on the account as well and for me just simply wanting to know about if my payment went through or not.I should have not gotten this treatment and she should have not gone around in circles for just the simple information I was needing. This needs to be addressed and the company needs more training with their customer service skills.
On XXXX/XXXX/XXXX I applied for a position with XXXX through the Department of Labor. XXXX listed a match for the position of XXXX XXXX XXXX and instructed applicants to email their resume to the HR rep provided. The next day, I received a reply from the Recruiting Team stating that I am qualified for their position. This information came from XXXX XXXX, however the email address is from " XXXXXXXXXXXX ''. Normally, the " XXXX '' would come after the @ symbol. Anyway, I accepted the position and received an Employment Agreement Letter via email. The job title changed to Administrative Clerk. This job is based out of XXXX XXXX, MO of which I would work remotely. Per the Recruiting Team, I would report to XXXX XXXX XXXX who would facilitate training for 1 week ( XXXX - XXXX ) at pay of {$14.00} an hour and start the job on Monday XXXX at pay of {$29.00} an hour. He advised I would receive all the materials needed for the job ( Laptop, Scanner/Printer, Desk, and File cabinet ). He sent me a check in the amount of {$2800.00} to deposit and wire transfer payments to a vendor who would retrieve, deliver, and install all equipment. After I completed the transfer, he said the vendor advised him that more money was needed due to upgrades. XXXX XXXX sent me another check by priority mail to deposit in my account to process another wire transfer. This second check was in the same amount at the first! I told him that I still have {$71.00} from the 1st check that he sent me, and asked what should I do with that. He said to wait for further instructions. The bank placed a hold on that deposit ; eventually they were returned. Both checks was remitted by a XXXX XXXX. 

At this point I was skeptical of the entire ordeal as I was not sure of my employment status with XXXX. So I went to their website and emailed XXXX XXXX XXXX @ XXXXXXXXXXXX. However, I did not receive a reply. I also left a voicemail @ XXXX. I never spoke to the recruiter or XXXX XXXX XXXX over the phone as everything was done via XXXX XXXX online ; including the interview. Also after the second check was returned, I was asked to personally cover the funds and I would be reimbursed. Shortly after that, I ceased communication with XXXX XXXX. Since then, my bank account has been overdrawn, closed, and re-opened with a new account number. Unfortunately, a bank investigator has not been assigned to my case as of yet. I kept the receipts of the wire transfers, as well as the employment letter and XXXX XXXX conversation. Please let me know how I can help to recuperate these funds. My bank account is on lock, and I need my funds to pay bills and co-pays for appointments. 
The Employment Agreement Letter is from XXXX XXXX XXXX XXXX Kansas XXXX, MO XXXX Headquaters. http : XXXX XXXXXXXX. I have attached the conversation to include copies of the receipt and check.
I was XXXX for this credit card and Capital One is still listing on my credit file as they are collecting which is a violation of my rights. I have disputed this with not even a response. Please help this is not right.
XXXX/Nelnet is reporting XXXX XXXX + late payment accounts to XXXX, XXXX, XXXX. The dates they are claiming I owe for is XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I was in XXXX school during some of the above mentioned dates and I graduated in XXXX, for the remaining dates I was in XXXX XXXX so no loan payments were due during those dates. My loans have always been in deferment. I have called several times and also have sent them a letter asking them to update the incorrect information they are reporting which is damaging my credit and and credit score but to this they still have not updated the information or provided any proof that the payments were past due or even owed.
As of XXXX XXXX, XXXX, I owed XXXX XXXX, dba Comenity Bank {$450.00}. On XXXX XXXX, XXXX I paid them {$300.00} although my payment was n't due until XXXX XXXX, XXXX. The mortgage company that I am working with to buy a home required that I pay this account in full so on XXXX XXXX, XXXX, I paid the remaining {$140.00}, still days before the due date. Since they did n't show the now {$0.00} balance on my online statement we had a three way call with someone from Comenity Bank along with myself and someone from my mortgage company to confirm that I had a XXXX balance. A few days later I go to check and see if the online statement now reflects a XXXX balance and instead I see a balance of {$6.00} which was added to my account a week AFTER I paid this account in full. When I questioned it this is the response I received from Comenity Bank : " Your question in regards to the interest charge is understandable. On your previous statement, we informed you of an update to your Credit Card Agreement ( CCA ). This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month. '' Keep in mind that I had not made any purchases at XXXX XXXX in months and also I, like many people these days, pay my bill online. While I do receive a " paper bill '', I do n't even look at it as I know when my payment is due and I pay it days before it is due so they slipped in this " trailing interest '' without me knowing about it. I feel it is completely unethical for any company to do this especially when they have already charged the consumer over 20 % interest. While this {$6.00} does n't affect me financially, I feel it is an underhanded practice and should be investigated. Sincerely, XXXX XXXX
I filed bankruptcy in XX/XX/XXXX not XX/XX/XXXX and I have never lived at XXXX places shown on my credit report. Thank you, XXXX XXXX
In XX/XX/2017, I called Credence Resource management ( XXXX ) to ask them to change the amount that was being automatically debited from my checking account for a medical debt that I owed. They had been withdrawing {$200.00} per month until the debt was paid. When I spoke with them, they told me there was good news, that the debt was already paid in full and in fact, they had taken out two months payment over what I owed so they owed me a refund of {$400.00}. They told me they would be sending me a check with the refund shortly. I never received it. I have spoken with them 7 times now, as of 6 months later and still, after various excuses about why I have not gotten the check, they still promise to send it. They have records of all the times I have called about this. They admit to owing me this money. I have no idea why they continued to take money from my account after my debt was paid in full, and I am sure they planned to continue this as long as I allowed it to go on. I told them the last time I spoke with them that I will be going to higher resources to get my money back. They promised me a check coming expedited delivery by Wednesday, XX/XX/XXXX, and nothing. I need help getting this refund to me. Thank you.