WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a checking account funded with my Barclays Wyndham credit card for {$10000.00}, and they posted the transaction as a cash advance and charged me a {$500.00} cash advance fee. The charge should NEVER have gone through as my cash advance limit was limited to {$6000.00}. This is a security issue on their part letting transactions go through that are higher than the stated limits on the card.
XXXX and Experian show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.
CBCInnovis was asked to forward me immediately my Tri-merge credit report in its entirety, per loan application for refinance of my beautiful home here in XXXX, GA. 
TO-DATE its been over 3 weeks since requesting my Tri-merge credit report to use as evidence against XXXX, XXXX, and XXXX in Federal Discriminatory complaint for suppression, compromise, delays, altering, false reporting of balances to suppress credit scores. See what both CFPB, XXXX XXXX XXXX XXXX do n't understand, number one, I 'm in control of my XXXX  credit file, and I 'm pending over XXXX XXXX dollars in entitlements, upon receiving proceeds, I 'm going to find the badest XXXX Consumer attorney to sue all listed here, each party will have their General Counsel department to try to reach out and offer a settlement, but no can DO, {>= $1,000,000} LAWSUIT for Discriminatory Practice, look at XXXX, you DODO Birds, you 've been dishonest with XXXX Consumers, you 've been Discriminative toward XXXX Consumer, but look at you know DUMBBELL. See I tried to tell each agency list in this complaint, as an professional I use to receive the XXXX XXXX XXXX report, XXXX reports , XXXX XXXX XXXX XXXX credit reports of consumers, I know how to read the Fair Issac modal and other modals so who 's the XXXX  DODO bird here, its not me. CBCInnovis you folks are a joke, you are not STOPPING me from doing business, I see what 's being done with the XXXX suppression and delaying of corrections to my credit report. Now CFPB I went up against others, XXXX XXXX XXXX in XXXX, it equated into {$110000.00} Principle FORGIVENESS, thanks to XXXX XXXX, XXXX XXXX, and the one and only Beautiful XXXX XXXX ( D ) CA, listening to and studying the POWER of the LAW, it will yield a profit, so CFPB, if its the Feds position to get in bed with XXXX XXXX XXXX XXXX to further attempt, and notice I SAID, Attempt to suppress my credit report to try to STOP me as an XXXX Consumer the right to create, control and maintain a Powerful Buying Authority as an Consumer. I 'm a Fighter, I legally FIGHT BACK!
I never agreed to change from paper statements to on line statements. I am not computer savvy. American Express made the change. I have called numerous times to change it back and each time assured it would be done and it was not done. On Saturday XX/XX/XXXX I called again. This time I was told my interest rate was in " penalty '' status since XX/XX/XXXX and the penalty is double my rate from 14 % to 28 %. I received no notice. Had I gotten my paper statement I would have known. The penalty was because 1-2 day late on occasion due to mailing as I am in Hawaii resulting in thousands of dollars over the 1 year period due to my balance that I thought was in a 14 % interest. I stayed on the phone two hours and was hung up on. On XX/XX/XXXX spoke to a supervisor who refused to give her name and told me I " case '' would be open someone will call me in 24 hours. XX/XX/XXXX I called back at XXXX and spoke to someone else who had no record of my call or a " case '' she put me on hold and said after I explained what I was told, oh only supervisors can see.. she then puts me in hold comes back and says 1 ) she has only the gender of the supervisor no name 2 ) someone will call me back in 24 hours. It is now XX/XX/XXXX I received no call or email except to tell me I can get statements " on line '' this email looks automated. I checked Amex website and found that any change in interest rate must occur after notice is given and that did not occur. Also that if I 'm late a late fee if {$27.00} is assessed not a doubling of my interest rate. 

Please help me.
I have contacted XXXX XXXX XXXX on several occasions via certified letters ranging from XX/XX/XXXX to XX/XX/XXXX, to resolve this matter. Currently on my credit report, there are two missed payments showing for XX/XX/XXXX and XX/XX/XXXX. I applied for a forbearance on my loans as I was recently laid off from my job at the time and was experiencing a financial hardship. It was my expectation that the forbearance would only take a few days to process and therefore be applied to my account timely. I was never informed the processing time could take longer than 30 days and never directed on when to reapply, check the status and/or make payments to my loans. It is my wish that the missed payments are updated to be within good standing and reflect the forbearance during those months.
In XXXX I purchased a condo from XXXX XXXX Loans or lender to promissory note. It has since then been switched in XXXX to Bank of New York Mellon. It has switched Loan Services multiple times. Along with the lender switch and servicer there is no documentation ever provided or notified of these switches. It has been since XXXX XXXX the last time I made payment. It was taken to court in XXXX to XXXX and dismissed without prejudice in XXXX. Since XXXX since after trying to refi and getting told no over and over and none of the current loan servicers or lender could prove they actually own the note and mortgage or property I stopped paying maintenance fees. In XXXX the association for the condos foreclosed due to maintenance fee being behind. They have released me of all responsibility and interest in condo. The loan amount is still affecting my credit causing me to not be able to rent places, get car loans even with a good paying job, and effecting both finical and physiological and emotional well being due to lack of failure to address and take care of this matter in a timely fashion or refi the loan to make it affordable. It is now causing me to not be able to go back to school.
I called today to get my pay off amount on XX/XX/2017 and was given {$8.00} pay off with a per diem of {$4.00}. When I reviewed my financial statements I noticed some discrepancies. When I asked for a ledger from AC Autopay I was informed that they do not provide that and that I can request a payment history via email. The payment history I received is still deficient approximately {$40.00} in payment accounting and the total amount financed is incorrect per the truth in lending statement signed by me and my husband. XX/XX/2017 and spoke with XXXX who stated the latest supervisor notes in my account were from you notating that the finance charge and amount were correct when loaded into the system. I requested that they research this further because in my original copies from XXXX and the XXXX agreements my records are showing {$9800.00} loan amount with a {$810.00} XXXX XXXX charge for a total amount financed of {$9000.00}. I have spoken with XXXX XXXX on XX/XX/2017 and he was going to research this further for me but in the converstation I had with him today XX/XX/2017 he stated that the finance charge of {$5400.00} was were the {$810.00} was deducted from and that he encouraged me to have someone take a look at my agreement. They changed my APR and total amount owed several times and the XXXX XXXX is continuously interjecting in my account without supervision. I feel she has a personal problem with us and continues to make trouble and do fraudulent activity on our account and I am unable to get anyone in a managerial position to look at her activities.
This is a formal complaint against Experian located in XXXX, TX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert CB name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon
On XX/XX/2018 I received notification that I had a collection account from my credit notification account that I am a member of. A Company named Accelerated Financial Solution, I also received 3 calls. I explained to them that I was not aware of this account and they abruptly added this on my credit report. it's XXXX. I wrote to them 3 separate times and no response from them
I did a promo with home depot with 6 months no interest rate, didn't know I had to pay the whole balance in order to get the promo, now they hit me with an outrageous interest rate because I didn't pay within 6 months please help with the outrageous add-on interest rate charge
My insurance company were to pay all my XXXX and they never did. I was in a terrible XXXX in which all my XXXX were to be paid and that did not happen. So all of my XXXX were put in collections due to them not taking care of this serious situation. I did not have the money to pay them myself. LANCASTER COLLECTIONS XXXX XXXX XXXX XXXX XXXX PA
I have disputed this account entry with both the credit bureaus and XXXX XXXX XXXX as they are reporting this as XXXX XXXX on my XXXX report. In XX/XX/XXXX, I noticed that XXXX XXXX ( XXXX XXXX XXXX ) had placed an inaccurate entry on my credit reports. To that end, I disputed the entry with the bureaus and their response yielded the account was verified. I then submitted my entry to XXXX XXXX XXXX addressed as XXXX XXXX in my letter dated XX/XX/XXXX and XX/XX/XXXX since this is the reporting that XXXX  is doing. This is inaccurate and misleading. XXXX should be reporting as the reporting agency. To date, I have not received any correspondence from XXXX XXXX regarding my dispute. See attached documentation that reflects the company indeed received my dispute, yet failed to respond. 

XXXX XXXX XXXX ( XXXX XXXX ) reports no payment history on my report, which is yet another inaccuracy. If an account was opened and they are stating it is a collection account, it should have payment history. VIOLATION AND I WANT THIS ENTRY DELETED IMMEDIATELY!! THERE IS NO VERACITY IN THE INACCURATE REPORTING OF THIS ENTRY!! 

It is evident that XXXX XXXX XXXX ( XXXX XXXX ) is blatantly violating my consumer rights by reporting an entry on my reports that but yet fail to provide validation of the entries. My rights under the FCRA and FDCPA are violated ; thus, this entry must be deleted from my credit report immediately.
Will not provide me with a statement showing my debt on XXXX locations of my credit report. Has not informed me that I owed anything. XXXX of the debts are not mine .. I asked for proof or statement and was declined.
Loancare LLC states I missed a payment, did not pay correct amount, charges late payment fees every months, when I have banking documentation clearly showing I have paid on time every month. I contacted them when I received credit bureau report that I was two months delinquent on mortgage. They never once contacted me to discuss. Each phone call with them they tell me a different story, and continue to charge late fees, even after I have sent them documentation three times showing payments on time.
Bank of america is Lieing, they are saying that my home was refinanced in 2014, I never accepted there offer to Refinance because number XXXX, the Ex Co-Barrowers name ( XXXX XXXX ) was still on every page,2, the refi was not a FHA Hamp,3 , they did not give me any disclosure or details at all.3, the XXXX payment was already late when I got the mail.
My in-laws ( XXXX & XXXX XXXX ) used to live in the house that I live in now. they had a Discover Card for many years. My father in law died 6 years ago and my mother in law 3 years ago. In the past 2 years, we have gotten 6 or 7 credit card solicitations addressed to XXXX XXXX Deceased.I have the latest one here and unopened. I also took pictures of 2 others. I have called every time that I get one and they say that they have fixed the problem but we keep on receiving them. My wife is starting to get upset with the constant reminder that her Mother ( XXXX ) is deceased. Can you help?
As of today XXXX XXXX, 2017 I sold my shares of XXXX at the coinbase website with the currency amounting XXXX After selling the currency, the USD wallet disappeared with no way to be able to send the funds back to my personal bank account - also no email confirmation of transaction Money and wallet disappeared. Have tried to reach out to to their customer service several times with no reply dating back to 3 weeks for other issues as well.
I believe this company is fraudulent and needs to be investigated.
I have a credit card with Bank of America that I use to shop for at XXXX XXXX, and I usually make the payment to the credit card through the ATM machine that they have at the branch that I always go to which is located at XXXX, MI XXXX. On XXXX XXXX, when I send my sister to make a cash deposit at the ATM, sometimes the ATM returns cash saying certain bills were not accepted, so she ended up cancelling the whole transaction, when she got in the car to the count the cash to make sure it was the same amount she started with, we found out we were {$690.00} short. The next day we went to the branch and explained the situation, and the Manager confirmed for me that they 're ATM was out of balance and that there was {$690.00} extra in the cash they had. She gave me a number to call which is to B of A customer service department, I explained the situation, they ended up giving me a temporary credit to my checking account of {$700.00} until they investigate the situation, after going back and forth, they wanted the ATM ID # 's, so I got them that, they wanted extra information, I supplied to them everything they needed, then on XXXX XXXX of 2016, they send me a letter stating that they were not able to find the extra money and that they are withdrawing the temporary credit they had given me on XXXX XXXX. At this point, I was very upset, because going back and forth and time holding on the phone to get to speak to someone is ridiculous and come find out the solution is aggravating. They know how to take someone 's money but they want to give me the hardest time about getting my money. This is my money that the ATM did n't give me which the manager confirmed it was extra. Does the right hand not communicate with the left hand? Are they not all under XXXX name? I ended up going to brank my self on XXXX XXXX, which a Banker assisted me and she grabbed the reports from that day and confirmed with me again that there was extra money in their balance that day. She called customer service and explained the situation, they opened the case again, they did take the credit out of my account, but they said they are investigating again. I have not heard anything and not seen the money. Please help because this is stealing from my money.
I currently have a credit card account with Capital One, and the have increased my APR to a whopping XXXX!! This practice is another example of a finance company running amock with corporate greed and consumer fraud. Capital One claims they offer competitive rates. Not so, because XXXX only charges me an APR rate of only 9.99 %! Hence, the are guilty of false advertising and other unethical business practices. Recently, I filled out an extremely negative customer survey report. XXXX, from Marketing and Research, called me while I was taking my car to a body shop for a damaged car estimate. She hounded me for my personal feedback. Should this be considered a reasonable business practice? I think not. 
Therefore this constitutes both an invasion of privacy and harassment! XXXX, from customer service, did not have my consent to call me and challenge my right to free speech. 
Finally, Capital One must also be held accountable for poor business practices, customer service incompetence, and the scheme of assigning false identities to their customer service reps in the XXXX. On every occasion whenever they have answered my customer service calls, they have referred to themselves as either XXXX, XXXX, or XXXX. I believe this criterion represents identity theft, which falls within the guidelines of consumer fraud. Also, whenever I have requested that each of my calls be transferred to someone in the United States, the outsourced representative has either hung up on me or has simply dispatched my call to an automated dumping ground, which usually results in my call being terminated. Can one of their corporate executives please justify this practice?
I sent certified letters to discover card requesting verification and proof of said credit card account on XX/XX/XXXX, no disputes were filed with any of the credit reporting agencies, XXXX XXXX or XXXX Discover card did not report the dispute nor respond in the required 30 days, verified. Again in XX/XX/XXXX again another letter send to Discover Card requiring them to send me the verification of proof or the said Discover account and all transactions with signature etc. Nothing again reported to the XXXX credit bureaus and letter was sent certified and again no response within the require 30 days. Again on XX/XX/XXXX letters sent again on verification and proof on said account by certified letter. A gain no respons with said verification of prrof and no reporting to the credit bureaus with in the require 30 days by the FCRA 623 ( a ) ( c ) Discover card instead has sent the said account to XXXX XXXX Attorney at Law XXXX XXXX XXXX, XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX XXXX in an effort to bully me and my position on the said account by Discover Card. XXXX XXXX had all of a sudden filed the dispute for Discover Card with the XXXX credit bureaus after 6 months, beyond the 30 days require by law and after much stress on me and causing harm to my credit. Discover card has still not provided any original proof of my original signature nor has cooperated in sending me all copies of the said purchases, detailed with what was purchased and dates. Discover Card can bully most consumers and destroy their credit and charge outlandish fees to the consumer. Clearly Discover Card has no remorse for their actions nor lack of ability to furnish any actual original proof Of said account. The law firm is clearly trying to use scare tactics and I remain firm in my resolve against both Discover Card and their illegal misuse of the system disregarding the FCRA 623 ( a ) ( 3 ) FDCPA section 807 ( 8 ) FCRA 623 ( a ) ( c ). XXXX XXXX has court seeking judgment against me XX/XX/XXXX without providing any original proof of said account and I will not let this law firm or Discover bully me as I have shown up three times all to be moved to a later date causing me more missed time at my job, more stress and longer credit damage. Discover Card is a deceitful company to the consumers and defrauds and misuses its place in the Credit Card world to the consumers.
I placed an order for a XXXX in early XXXX. I got XXXX confirmations for XXXX XXXX. I immediately called XXXX and told them about it and they said there was nothing they could do. I told them I do n't want anything from them then and to cancel my order. They sent XXXX XXXX and I refused delivery of all XXXX. Then they charged a month of service for a hotspot. Household Bank ( HB ) eventually refunded the XXXX hot spot charges but not the month of service until I agreed to cancel my current credit card and let them send me a new XXXX. I agreed to do that and after I got the new credit card and cancelled the old XXXX, they would not refund the bogus {$52.00}. service charge. I tried for month to get them to make it right but they would n't. I was still haggling with HB when Capital One bought out Household Bank and I had to dispute it with Capital One. They saw it was bogus and said it was refunded on my card, which it was. That was the only reason I used Capital One 's card. Otherwise I would have closed that account for getting bad service. I had no idea Capital One did n't keep their promise until I started looking for a mortgage and was told they reported a XXXX day slow pay negative report on my XXXX credit reports. 
The other issue I have from Capital One is I filed bankruptcy XXXX XXXX, XXXX due to attorney 's fees from a divorce and received a discharge in XXXX, XXXX. Capital One was XXXX of the creditors in the discharge. I also learned at the same time, they reported this as a write-off in XXXX, which is also not true. Enclosed is a copy of the discharge and Capital One is XXXX it. 
I have disputed this with Capital One several times and they just mess me around. I then disputed it with the XXXX credit bureaus and they " investigated '' it and they said they could n't do anything unless Capital One changed it. Now I am seeking assistance from the Consumer Financial Protection Bureau because of CaptialOne 's vindictiveness. Please process these complaints and have Capital One report accurately and have the XXXX credit bureaus amend their credit reports to reflect the newly corrected information. 
As you may see from the XXXX pages of documents, I have been trying for some time to get this resolved. Capital One has sent contradicting letters in the same day and not followed through with what they said they were going to do. The times I have spoken with them on the phone they have said misleading statements and done differently than they promised. 
When I speak with the credit bureaus, they say they wo n't do something unless Capital One changes it. 
Please process this complaint and have it corrected. 
Thank you.
I am in the  Public Service Loan Forgiveness Program . As a result, I was forced to transfer my student loans to the world 's worst loan servicer, Fed  Loan Servicing. I   was approved for the PSLF program in  XXXX   XXXX . I began making and accruing qualifying payments in  XXXX   XXXX  but continued to go to school. I filled out multiple in school deferment waivers during the period for each loan sequence because my current school kept adding loan sequences. In  XXXX  of  XXXX  I put in another deferment waiver for a SINGLE loan sequence from  XXXX  and Fed  Loan Servin g erased all of my qualifying payments for all of my loan sequences and reset them to zero. Of course, I have made multiple calls and been unable to resolve this with the loan servicer because their customer service is horrible, abysmal, and the worst in  America.
this complaint shall follow complaint number XXXX XXXX XXXX sold the servicing to XXXX XXXX on and about XXXX according to XXXX XXXX the escrows were never transfered which put the account in a deficite and increased the mortgage balance up {$22000.00} + made several attempts to resolve the escrow dispute. i was told by them that it was my responsibility to make sure that the escrows were transferred from XXXX XXXX to XXXX XXXX that caused the mess that i/we are in currently. facing foreclosure, please if possible stop that action as i currently have refinance in place to take out XXXX XXXX however, the payoff is the dispute, if you could help me drill down the exact figures required to pay off XXXX XXXX because of all the past problems. <P/>made several attempt to bring mortgage up to date and they refused the money.