WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One is reporting a charged off debt that I have wrote them several times with proof that the debt is not mine. I have provided them with copies of my Identification, social security card as requested, I have disputed this inaccurate information with XXXX XXXX XXXX XXXX XXXX times as well and they have refused to correct the information Even though they have collected the full amount of the debt from my son who has a similar name as mine. Whose debt this is in the XXXX place. A fact that I have pointed out to Capital One and all XXXX Credit Reporting Agencies. with no change from either agency or Capital One. Furthermore I have been Denied a credit card because of this false report. I thought that if I provided proof of who I am that Capital could distinguish between father and son given the birth dates, Social Security card and State of Michigan issued ID cards, but the last response I got was a refusal to remove their error from my credit report. I have been struggling to get them to take this information off of my credit report for years now I have had enough from Capital One this is an organization who seems to believe they do n't have to answer to anyone and they can report anything they wish about anyone.
I agreed to a settlement on  XXXX   XXXX  and made the last payment (  XXXX  ) on  XXXX   (  posted  XXXX  ). This should have closed my account. The next day, they debited me again for  XXXX  and did not respond to my message about this. I disputed with my bank, but I want these people out of my account now that I have fulfilled the settlement.
I went online to equifax and received a free online report. In less than XXXX hours it was no longer available- I received an error message with a number to call but when I called the number there was no way to relay the message or get my report back. There are no automated options and no possibility of speaking to a representative.
Paid Midland Fundraising off  in full in  XXXX ,  2017 . There is a {$0.00} balance. Please remove off of credit report.
I want to freeze my account due to the breech. Experian will not let me do this. I DO NOT LIVE IN THE USA. I AM A CITIZEN LIVING ABROAD. The phone number given will not work here. I have a problem because I dont have an address there. I have sent a letter along with detailed information, as well as a check to pay for the service and I have gotten no response. I can not send proof of living in that house because I do not live there. I live in XXXX. The US address is my mailing address only for the states. If someone from this company would just contact me. Email works best. Or if I could get a phone number, non toll free, I could call. I do need to speak to someone personally. The information provided on the website wasnt good enough. I found a number and called and it was a machine asking the same questions that were asked on the web site. I filed a complaint that i can not access this company and received a message to send information that i do not have or to call a number that i can not reach. I NEED SOMEONE TO CONTACT ME VIA EMAIL. OR GIVE ME A PERSONAL PHONE NUMBER WITH A REAL AREA CODE THAT I CAN CALL. I NEED A HUMAN BEING TO INTERACT WITH. MY EMAIL ADDRESS is XXXX. Please, I AM BEGGING YOU HELP ME FREEZE MY ACCOUNT. DO NOT SEND ME THE SAME RESPONSE. I have tried every option available and non of them work. I have called the XXXX branch hoping that someone can help me find a phone number. My husband has called the XXXX branch and they just do not bother to return the call.
On XX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX for the amount of {$240000.00}. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX. to XXXX XXXX  XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass-Trough Certificates, Series XXXX. On XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Trough Certificates, Series XXXX started a foreclosure action against me for the amount of {$190000.00} which is about {$47000.00} from the original mortgage 4 years earlier but I already had paid over {$97000.00}. How is that possible? I have been trying to fix the problem for this past year. I applied for a loan modification on XX/XX/XXXX but was denied on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Wells Fargo stating that Wells Fargo determine that I was eligible to pursue a short sale, so I decided to pursue a short sale as it was my only option. On XX/XX/XXXX required short sale documents was faxed to Wells Fargo with an offer of {$320000.00}, on XX/XX/XXXX they sent a denial letter. This was not the only offer presented to Wells Fargo offers were submitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each offer getting denied. Not only that, XXXX XXXX is n't really cooperating with the agent from XXXX XXXX XXXX. If Wells Fargo determined I was eligible for a short sale, then why are they giving me a hard time every time documents are properly submitted.
Status of the account is closed and written off with an high amount and purchased by another lender. Personal information was shared and sold off the account to harass, hassle and report negligence of an high amount on the account and sent to an debt collection agency.
XXXX 's XXXX XXXX, which is now XXXX, will not work with me in completing this lease agreement. Considering I have not had this vehicle in my possession the last few years .... 
I was the cosigner for a girlfriend who I am no longer with. This was her vehicle. She left the XXXX XXXX XXXX abandoned. She contacted me to get the vehicle. Knowing that I'm on the lease also knowing this could affect my credit, I stepped forward and tried to make multiple attempts with the company to resolve this matter. I continually get pushed around in different directions. They keep asking me to go in to redo the lease ( for purchase ) which makes no sense I feel that this lease is fraudulent due to different amounts shown, amounts not adding up correctly. Please help me. I feel that I am being ripped off by this company. THANK YOU FOR TAKING THE TIME TO LOOK INTO THIS. 

Date of purchase : XXXX XXXX XXXX XX/XX/XXXX Amount total of vehicle : {$15000.00} Hidden fees total : {$9200.00} Total amount I owe for this vehicle : {$24000.00} New Copy of paperwork recieved XX/XX/XXXX showing an amount of : {$25000.00}
I have a loan with Prestige Financial, I have been making a payment every other week for about 6-8 months. My actual payment is due on the XX/XX/XXXX of the month.XX/XX/XXXX I received an email about the payment. I sent a payment authorization on Tuesday morning and advised that I would notify the office the following week around the time that I sent the payment. They started harassing me emailing me over and over again up until Thursday. I begged them to stop, I advised that my plate was currently full, however, I have not missed a payment and I would be contacting them as promised. I check my email on Monday and there's a message, I asking to set up a payment arrangement. My payment isn't 30days late, I paid 1/2 already and there has to be a law that protects consumers from being harassed. This was ridiculous, I could not believe that I was receiving so many emails.
This complaint is in response to Consumer Financial Protection Bureau Case No. : XXXX Discover Financial did not complete their obligation regarding my fraud case, issued last year. I have submitted an updated complaint, as Discover Financial did not fulfill the obligation that they promised. 

Update to XXXX 's complaint : Discover card services did not credit all of the fraudulent charges on my account. As stated by the Discover representative, the company needed " additional time '' to take care of this case. I have been disputing this issue with discover since the fall of 2016. How does a credit card company get away with taking over a half of a year to take care of fraud charges on an account? Discover omitted fraud charges that I sent to their fax machine - XXXX and physical mail address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX Discover credit card company created barriers for me to correspond about the fraudulent charges, so I had to great length to communicate the fraud to Discover Card company. I have sent countless amounts of documentation, pertaining to the fraudulent charges, to the Discover Card fraud department. Discover needs to credit the remaining charges that I submitted to them. Just because representatives of Discover credit card company correspond to the CFPB, does not mean the issue has been addressed and it goes away. I will confirm the issue has been rectified upon receipt of the check totaling the correct amount of money, for the charges that have not been credited back to me. Please note that I have received confirmation letters from Discover, acknowledging that they have received correspondence form me regarding the fraud on my account as recently as XXXX and early XXXX, on top of the other fraud confirmation letters sent previously and that they are working on the situation. Discover credit card services needs to complete this fraud case immediately and upon receipt of the check I am owed, I will sign off that this issue has been taken care of. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.
XX/XX/XXXX was the date if theft {$210.00} was amount XXXX was the location I contacted this company several times through the course of this to get it resolved each time I sent in paperwork I was told it would take 60 days. No one ever tried to contact me in between waiting each 60 days to ask for additional information. I was just constantly told it was not received. I contacted the BBB and the company said I never sent them the paper work even though I sent it with someone oven the phone who told me they received it and I sent it 26 times when the BBB investigation started.
I spoke with XXXX XXXX XXXX a couple of months ago regarding fees and unrecognized charges to the account. Was advised to send in my affidavit in which I did and that someone from the fraud department would contact me but no one never did. XXXX XXXX advised me that it may take some time for a representative to contact me which is understandable but I have n't heard from anyone regarding status or anything. I 've faxed several documents requesting an update to the fax numbers in which I was provided but never received a response nor a call back. The collection agency in which target sold the account to are trying to sue me for a balance in which I feel that I 'm not totally responsible for. If someone can give me a call with an update on the account I 'd greatly appreciate it.
I have a XXXX collection account on my credit. I do n't have XXXX and do not owe them any money. I have no idea what this is about.
XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy! 

I refuse to pay any more money to them. 

XXXX XXXX XXXX
This complaint is regarding Franklin Collection Service , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MS XXXX : XXXX Toll-Free : XXXX Client Services : XXXX Disputes : XXXX One Date : XX/XX/XXXX I sent an email to FRANKLIN COLLECTION SV at XXXX to address my concerns. The email read " I spoke with XXXX ext XXXX and he advised me to email you all that this debt is nonexistent and I do not owe your company or XXXX XXXX XXXX. I called XXXX XXXX XXXX and spoke with a rep who informed me that I did not owe XXXX XXXX XXXX  anything. All accounts in my social were paid in full as of XX/XX/XXXX. That means your company is reporting inaccurate and misleading information on my credit report which caused my credit score to go down. Im in the middle of purchasing a house. That is an FDCPA violation and I will be filing a complaint. Please remove this account off of my credit report as soon as possible. If its not removed within the next 7 days I will move forward with an attorney '' Today is XX/XX/XXXX and the company has yet to remove this debt from my credit report. Instead, they have updated XXXX  and XXXX to say paid as if I paid the collection company themselves. I have never done business with this company and have written several letters asking for validation and verification that 1. I owe this company and 2. that I have ever done business with them. On XXXX, the collection is reporting unpaid so the information between the 3 bureaus is not even the same. This company is causing me a major financial hardship for I am trying to close on my home and can not due to the negative, inaccurate and misleading information they are reporting. I want the information removed
To whom it may concern : I am writing to bring to your attention an urgent matter : the failure of my bank, Citibank, to credit to my personal savings account a {$2000.00} cash deposit. 
XX/XX/XXXX I entered my Citibank branch, located at XXXX XXXX XXXX, in XXXX XXXX, New York, to make the above-referenced deposit. The time was between XXXX and XXXX. 
As required, I swiped my bank card and entered my PIN code in front of the teller, handed over the {$2000.00} in {$100.00} bills to the teller ( XXXX XXXX ), was issued a receipt as proof of the deposit, and departed the bank. There was nothing out of the ordinary about the deposit : I 've done this many times over the 15-plus years I 've been a faithful customer of Citibank, in each case without incident. 
This time was different. I noted on XX/XX/XXXX that the deposit was not recorded to my savings account. I contacted Citibank 's Customer Service Department via their XXXX service line to inquire further into the matter. XXXX bank investigations ensued, each covering a date on which I believe I had made the deposit : XX/XX/XXXX and XX/XX/XXXX ( although an XXXX customer service line rep assured me that at a third date I requested, XXXX XXXX, was also researched ). Each investigation came back negative : Citibank was unable, absent the receipt, to track down the deposit. ( See attached. ) During and after the investigations, I also spoke with several Citibank representatives -- call center agents handling Citibank 's XXXX service line, the assistant branch manager in XXXX XXXX ( XXXX XXXX ) and the branch manager there ( XXXX XXXX ) -- to inquire into the bank 's inexplicable failure to record the deposit and its methods for tracing it. I never received a satisfactory response. 
Citibank 's failure to record the {$2000.00} deposit is totally unacceptable. It is inconceivable to me that the bank has no record of the transaction. The bank had at its disposal a computer log of the deposit, the swiping of my bank card and PIN code, as well as surveillance cameras inside the bank branch for recording the comings and goings of customers -- and my interaction with teller XXXX XXXX. 
Adding insult to injury, Citibank Assistant Branch Manager XXXX XXXX treated me throughout this ordeal in the most rude and unprofessional manner. Citibank 's representatives have also repeatedly resisted my requests for information that might shed further light on the investigations and the reasons ( or lack thereof ) for why the deposit was not recorded. 
The investigations now at a dead end, I have no choice but to escalate the matter. I am therefore writing the Consumer Financial Protection Bureau to lodge an official complaint about Citibank 's failure to fulfill a basic fiduciary duty : recording and holding safe money that I have entrusted to the bank. I request that the CFPB take all appropriate steps to insure the recovery of the {$2000.00} cash deposit. 
Please contact me at your earliest convenience so that we can bring this matter to a swift and satisfactory conclusion. 
Respectfully, XXXX XXXX Tel : XXXX ( home ) Cell : XXXX ( cell ) e-mail : XXXXXXXXXXXX
Apparently there has been a miscommunication regarding the status of active litigation between myself and Bank of America. To the best of my knowledge, there is no active litigation, mediation or arbitration between myself and Bank of America. Bank of America has not provided a case number for any active adversarial legal proceedings between myself and Bank of America that would necessitate the referral of this matter to their legal counsel. There is however a Notice of Error Case No. XXXX dated XX/XX/XXXX and XX/XX/XXXX ( attached ) that is still pending. As entitled by law, I requested a concise written explanation and all documents utilized by Bank of America to make its determination as to the first date of delinquency on my loan. To date I have not received an adequate response to my inquiry.
Chase refuses to reverse fees and follow their own processes and procedures. I should not have to call the bank and inquire daily if I have charges that I can not see on my account, pending or posted. I was charged the NSF fee from a XXXX 's When I called the bank, I was told the fee was based on charges from XX/XX/XXXX. However, when I checked my account there are no charges from XXXX on XX/XX/XXXX. If they were honest about when the fee posted, which was XX/XX/XXXX, they would have to acknowledge the fee posted THE SAME DAY AS THE XXXX charge posted. They would have acknowledge that was not sufficient time to resolve prior to incurring the nsf fee. That was the advise from XXXX, to " monitor my account daily ''. And since there are NO CHARGES, even now, showing on my account for XX/XX/XXXX from XXXX, pending or posted, how is it that I have NSF fees based on charges from XXXX? Since Chase says they operate on " real time '' I should have been sent an alert on XX/XX/XXXX and the charges should have shown " pending '' until it fully posted on XX/XX/XXXX. If the XXXX 's charges showed pending on XX/XX/XXXX, then monitoring the account daily would have helped. But that is not the case - NO CHARGES FROM XXXX EVER APPEARED ON MY ACCOUNT. And if I were monitoring my account daily, there would have been NOTHING TO SEE because there were no PENDING OR POSTED charges ever for XX/XX/XXXX from XXXX. For XX/XX/XXXX, there were never charges showing, no charges pending, no alert was sent about as I have scheduled. If I had been monitoring my account daily, I would have seen NOTHING, so that would not have helped me. Yet, I am being charged {$34.00} for not knowing about it and never allowed the opportunity to resolve prior to incurring the fee. As a result of Chase 's actions, the charges and nsf fee appear on my account on the SAME DAY, in which case, even with monitoring, there was never an opportunity to resolve. 

I was advised previously by Chase employees via phone the following : 1. ATM deposits of cash made the same day will be effective on that day. 

I made an ATM deposit at XXXX XXXX after work, the SAME DAY of a charge from XXXX that was pending. Chase refuses to acknowledge it because it was made after their imaginary " cutoff '', of XXXX XXXX and I live in XXXX XXXX. The average reasonable person, understands " same day '' means prior to midnight, and in their own time zone ( mine is Central ).
I got a loan modification on my house and I thought the bank put the money that was owe on the end of my loan but they actually put a lean on my house. The company that the back out source my loan with went bankrupt. The bank claim that they do not know anything about lean. I want the lean removed and the debt cleared.
I opened a Business Account in Union bank in XXXX, 2017 and was asked to keep {$2500.00}, and the Bank will not charge me a fees, this is the third time they are charging me a fees of {$5.00}, earlier they charged me {$7.00} XXXX times and I have to call in to get the fees waived, I have other things to do, I can not waste my time doing all this, they shouldn't be charging me a fees as I am doing all the things which I am supposed to do.
The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at Alltran telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. Alltran 's case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was collections@alltran.com. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and Alltran to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and Alltran makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX
This is my second wire transfer gone missing with Coinbase , Inc . 
Case # : XXXX Ref : XXXX Date of transfer : XX/XX/18 Amount of transfer : {$3000.00} Sender bank : XXXX XXXX XXXX Sender full legal name : XXXX XXXX Bank Account No. : XXXX   Routing No. : XXXX IMAD ( alpha-numeric federal trace ID ) XXXX
Our mortgage was remodified so it shows late payments which I understand, however all payments have been made on time since XX/XX/2017. There have been 19 payments on time since the modification. This just appeared on my report a few months ago?
My account is Account XXXX XXXX with Navient, formerly XXXX XXXX. I have been paying on this loan for more than 10 years. My original borrowed amount was about $35K. Ten years in, my balance now says XXXX. I was in forbearance many years ago, right after I graduated, so I definitely incurred more interest and fees, but does it really seem reasonable that 10 years in I owe almost as much as I borrowed? I have paid over $25K and I know it was due to the forbearance, but I am wondering if there is any way to lower the principle I owe - I haven't missed a payment in over ten years. I am actually in a good place now and can even pay a little more per month, but does it really seem fair I will pay over $55K to borrow XXXX? Seems like loan sharking to me. Please let me know if there is anything I can do. I'm certainly willing to pay my full borrowed amount plus some extra for the forbearance, but this seems a little ridiculous. Thanks for any help. I have all records in my account. The loan company has some sketchy accounting so it looks like they are only charging me for the XXXX  online in my payment records, but you can see over ten years in, there is still a balance of XXXX.
my concern is with green tree Servicing company.
I had to do a "short sale" on my house, but Green tree did not lose ANY money, it was the XXXX bank that agreed to take less money. Escrow closed on XX/XX/2014After all was said and done I found out that Green tree sent gardeners and other repairmen to the house and charged ME for work even tho it wasnt even my house anymore!.....they charged me over XXXX dollrs to print the notice of default in the local paper. they overcharged me XXXX dollars in paying property taxes. i called the tax collector, and they told me that XXXX dollars was refunded to "core"- should have went to me. Green tree trespassed on the property, it was another owners property. the workers took some items out of the yard....worth about 1200 dollars. And altho I did my part and left the house, they DID NOT do their part and give me the XXXX dollars relocation fee for this "foreclosure" that they acted on. 
Green tree writes me a letter saying that they had the right to keep the place in good condition. it was in good condition- they did NOT have to re key and winterize and do all these things that banks do to foreclosed homes. it went directly to another buyer.
XXXX