WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I receive a Capital One credit card a welcoming package by mail at my home address. I also received a email text with a link to set-up my banking checking account with this card for payment source..The Capital One credit card came with a mobile text number to one step mobile app to activate card.I did n't care to use mobile app because I do n't trust this source and not very text literate ... That 's where the problem started ... I call customer service was asked a lot of personnel question gave everything they as for and offered any information they needed ... after about 30 min the agent gave me a number to card XXXX a secure service ... The agent Who said her name was XXXX asked me many of the same questions as the first, put me on hold for more than 15 min came back and said the to number I gave her had issues and to hold, again 10 min..now it was about XXXX XXXX central time ... .she came back it will take some time to activate that capital one master card to get information about my license card ... I told her I have any thing she needed on hand ... .she said no she would send me a email and about 72 hr ... ..I told her I am not tech literate as far as up-loading any thing ... well she said it was a problem ... I told her if it such a problem maybe the should be cancel she did..I called back to speak another agent the ca n't help it is cancel ... .all of this because I have a XXXX XXXX that I am receiving treatment since XXXX..no help from this company with me not being smart with this tech thing..
I was not mature enough to make that decision and was sent a credit card I never applied for. I was on XXXX and tried it ( the credit card ) to see if it worked because it came in the mail. It did I have since been in rehab trying to get my life together. 
I have much better judgement now and pray that I will be released from this debt.
I have been reporting of an identity mix-up on my credit reports ( XXXX, Transunion, XXXX  ) since 2013. I have filed two police reports and spoken to all 3 credit reporting companies with no success. I am unable to open bank accounts at US national banks or obtain credit because the security questions needed to open such accounts are not my questions. They are questions that pertain to another person by a similar name similar birthday as me. I have the name of the person my identity is being tangled up with but all 3 reporting agencies tell me there is no problem.
On   XXXX   XXXX  , 2017 I went to the emergency room and before I left I told them I had  XXXX . I did n't receive anything in the mail I just seen it as a derogatory on credit report. Arc Management Group shows {$1200.00} only on my   XXXX   report. Arc Management Group does n't even answer the phone number when I call.
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX
On XX/XX/XXXX I opened a credit account for {$3600.00} with XXXX XXXX. The sales representative suggested a VIP Credit Account with Comenity Capital Bank in which i would not have to pay interest for the first two years. Payments were made each month, on time, during those two years and the balance was brought down to {$1400.00}, but the amount was not paid in full. On XX/XX/XXXX, a Finance Charge was add of {$1300.00}. This amount is almost a 90 % addition to the actual money owed.  According to my contract, and my understanding at the time of sale with XXXX XXXX, if the account was not paid in full by the end of the two years, interest would begin to accrue until the amount is paid in full. I have attempted to contact XXXX XXXX and Comenity Capital Bank, but they have been unable, or unwilling, to explain how {$1400.00} remaining balance adds up to {$1300.00} fee? Further, there is nowhere on the XXXX XXXX Credit account customer portal where it states my actual current interest rate, or what is being accrued. I would appreciate your assistance in getting answers because i feel i was fraudulently treated by XXXX XXXX at the time of sale and have had critical information kept from me by XXXX XXXX and Comenity Capital Bank.
I am repasting my original complaint that was disputed and never resolved. The CFPB claims to be following up on this but it has never produced a response to my dispute. 

Describe what happened so we can understand the issue ... 
In XX/XX/2014, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account twice. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on one of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XX/XX/XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XX/XX/XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them. 
Consent to publish the description of what happened? Consent provided Which part of the mortgage process is your issue related to? 
Problems when you are unable to pay This is about Conventional fixed mortgage
On XX/XX/XXXX we received a letter stating that our XX/XX/XXXX payment had not arrived. Upon checking with our bank, we learned that our payment HAD been sent as scheduled. When we contacted Bank of American on XX/XX/XXXX, we learned that our payment amount had increased on XX/XX/XXXX due to an updated escrow analysis. We were told that we should have received a letter in XX/XX/XXXX letting us know but we did not receive this letter. We had not received any communication from Bank of America via phone, email or mail that our payment amount had increased. 

Although our regular payment amount had been received by Bank of America for XX/XX/XXXX, Bank of America did not post this payment to our account. 

Upon learning of this payment discrepancy on XX/XX/XXXX, I immediately requested a copy of the escrow analysis and paid the difference in my original payment amount and new payment amount in good faith pending my review of the escrow analysis. Despite this posting error on Bank of America 's part, Bank of America reported my account as past due in XX/XX/XXXX and XX/XX/XXXX. I have disputed this reporting with XXXX, XXXX, and XXXX, but Bank of America continues to state that this was reported accurately. Additionally, I contacted Bank of American on XX/XX/XXXX to request that they update their reporting to the credit agencies but they have refused to do so. 

Attached is the payment history from XXXX XXXX XXXX XXXX indicating that my payments were sent on time as usual as well as the account history from Bank of America showing that they received my payment on time but failed to post the payment to my account. My Bank of America account activity also shows that the amount submitted for XX/XX/XXXX and XX/XX/XXXX were consistent with the preceding months.
This Medical Bill has Violated the Hippa Violations, I have no contract with you, please remove and delete off my credit report Immediately. This is Fraud and I will contact the Postal Service because I believe you are trying to fraud me out of money!
Hi, I am asking and pleading for your help. Bringing this back to XX/XX/XXXX, we accepted an offer on our house from a woman using a NACA loan. This NACA loan is a government/state ( honestly it is not very clear who assists ) aide loan. This has been an absolute nightmare since. We were set to close XX/XX/XXXX, however, received notice on XX/XX/XXXX at XXXX that we would not close, and not given a reason why. All we were told at the time is that there was a minor hold up that they needed one week tops to clear. By that time, my family and I including my XXXX year old and XXXX month old were in a house with no furniture except a crib, and XXXX air mattresses, which is because every extension we have had has been this " short '' extension that seems counterproductive to move anything back in. When they asked for a week, we set the extension for a week and a half for XX/XX/XXXX, to ensure there would not be another extension. XX/XX/XXXX came and went without a word from NACA. Our contact person out of the XXXX office, XXXX XXXX, has been avoiding office calls, emails, and cell phone communication. We finally got a response from XXXX XXXX 's supervisor XXXX XXXX after our closing on XX/XX/XXXX had already passed. He then explained that it would need to be postponed again and that again it wAs just the bank reviewing the clear to close. Once again we signed an extension that brings us to XX/XX/XXXX, tomorrow. Once again no one can get ahold of XXXX XXXX. This whole process is unbelievable. This is a program that advertises being for a family, however, they have acknowledged the conditions my family has been living in and done nothing. My 18 month old was hospitalized during this time which we again expressed to them, yet nothing was done and calls, emails and texts were ignored. I think that this is something that would help many people to investigate. If you look up NACA there are many similar situations. If you look up XXXX XXXX and XXXX XXXX you can find many situations involving the same people. This is not right for my daughters to live like this and it is not right that they are continually getting away with this. 

I hope to hear from you soon, thank you, XXXX XXXX XXXX XXXXXXXXXXXX
XXXX XXXX XXXX using my credit information improperly having XXXX plus dti less than 10 % fcra violation company should be audit or check if they are treating customers fairly XXXX was sued b/c of giving other race credit please have them reconsider or look at if these company are using unfair practices
HHGregg sold a defective, incomplete XXXX dishwasher. Id tried my best to resolve this issue to no avail. As a consumer, I cooperated and made every possible effort with the store where I bought this appliance. Then, HHGregg when bankruptcy. 
Since then, they first ignored my complaint with the XXXX Consumer Service Department ; later they have tried to shield themselves with the 30 days returning policy technicality, which is absolutely unfounded as explained in the chronology enclosed. 
I am XXXX years old, XXXX since 2003 and within my limitations and income- I have jealously complied and protected my credit. Even with this same bank SYNCHRONY, I have several other credit cards and never a single issue. 
I need your assistance in this matter. I want to avoid expending {$170.00} in filing a Small Claim Court. I  lived on a strict limited income of a XXXX check from my retirement. 
Your support in highly appreciated!
The year 2017 of this year where my information was stolen from different sources that uses XXXX and XXXX and Trans union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.
Hi, I am a Bank of America customer living abroad. I had money transfered to BOA from a bank here in XXXX where I live. The money was sent with all information correct except the XXXX. A trace was done on the amount of XXXX $ and XXXX ( the intermediary bank ) is said to have sent the money to Bank of America, but no information is being given regarding the funds. There has been no receipt of the funds and it has not reached my bank in over 1 month. I am receiving overdraft fees and little help from any of the American banks ( XXXX and Bank of America ). BOA is not responding to the trace sent by XXXX. In speaking to BOA they are saying, they do not see any traces. I have called every week and I am getting no help from my bank 's end in investigating. I had family go to both Boa and XXXX but they were of little help. Again, information from XXXX has been sent to BOA regarding my case as XXXX has opened an investigation. For some reason BOA has not responded to any of XXXX 's trace inquiries. I have attached documents from XXXX XXXX regarding this case. I really need help. 
Thank you.
XXXX XXXX XXXX DBA XXXX XXXX. 

Three months in a row they have charged me a {$99.00} late fee saying they have received my payment late. Each time I mailed my payment out with plenty of time to arrive before the XXXX of the month. 
This month I put my check in the mail on XX/XX/XXXX. They say they did not get my payment until XX/XX/XXXX. I am mailing my check from XXXX XXXX CA and their processing center is in XXXX XXXX XXXX XXXX CA. That is about 15 miles away. There is no way it took 12 days to receive my payment. I have a feeling I'm not the only one they are pulling this on. Tacking on an additional {$99.00} on to thousands of customers seems like a great way to make some quick cash. 
Please look in to this, I seriously think they are defrauding a lot of people using this method. 
Thank you.
Received a letter from the collection from XXXX XXXX who work at XXXX XXXX XXXX XXXX. The manager of the apartment already contact him telling that I am no in the contract lease but he didnt answer. I contact him 3 times asking for the name of his boss or manager he didnt give me the name. His answer was he doesnt know anything, he can no do anything instead he try to send me to a customer service when I said no I need the name of your boss he hang up the phone. Thanks to XXXX XXXX my credit score is down and I am in collection for within that I am no owe. I hope you guys can stop this kind of abusive and make this guy fired for be so unprofessional and disrespectful.
There is a collector name XXXX contacting me at work and on my cell XXXX ext XXXX he is stating he is trying to locate me. he calls my job and just hits other extensions and talks to other people and asks them to give me a message. It needs to stop, he claims he is an attorney that i need to give a statement he leaves all this information on my voicemail not knowingif its me or not.
I was double charged by a vendor. American Express has only investigated superficially and will not thoroughly investigate what is clearly a double charge. We have provided proof clearly indicating the charge was unwarranted as well as proof that the vendor has repeatedly lied to American Express but they wo n't take my claims seriously at all. The vendor has created a false narrative along with false papers to assert that the charge was owed. I understand that Amex can not be expected to see through the lies, however, my claim is simple. I am asking to see signed authorization for XXXX charges. American Express has only XXXX signed authorization and can not provide any further proof towards the second charge and yet they wo n't refund my money.
Collection agency put a bill on my credit report that is not in my name nor am I responsible for. Collection agency is trying to make me accountable for my x-wifes medical bill. The bill is not in my name, nor was I the guarantee on the insurance plan. Collection agency never even sent me a bill so that I could have tried to resolve the issue with them. 
AR RESOURCES INC XXXX XXXX  XXXX XXXX XXXX, PA XXXX
i had account with XXXX  and salesepaerson came to me presenting XXXX  but they werent XXXX   they were XXXX XXXX XXXX then i paid XXXX i never recieve the phones but 4 month later XXXX  billed me with XXXX i called XXXX  and there were 2 number created under my name with new number i tried to call XXXX XXXX XXXX and explain they want to charge me XXXX termination fee then they send me to collections i been thro this since 2014 i have the XXXX  receipt with different name on signature now i dispute this case with XXXX XXXX  and i feel that they abusing my credit report and i have the paper work i cnotact XXXX  and XXXX waived the bill and marked the account as fraud
I had a dispute with XXXX card XXXX ending in XXXX that has been resolved but my credit rating with Experian has not been updated to reflect this. I was denied a XXXX credit card on XXXX XXXX. Please update my credit rating to the excellent status that I had before this problem occurred.
The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from AT & T. It is causing my other coworkers to be bothered and causing defamation of my character.
In XXXX, 2017, I began receiving multiple calls, daily, to my cell phone, from a company called DIVERSIFIED CONSULTANTS INC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, claiming that I owe {$260.00} to them and demanding immediate payment over the phone. I told them I did not owe this for multiple reasons. I then wrote to them and demanded verification of the debt, for them to validate it, to show me how they arrived at the amount, when and what this was for, and the agreement I signed. They did not. We have not had XXXX XXXX here for at least eight years now, maybe longer. It did not work as advertised, it was a service failure, and we canceled and returned the equipment many years ago and the issue was resolved directly with XXXX XXXX. It was installed poorly, did not work properly, and we returned everything and canceled shortly after the install. We have not heard a word about this for many years. Suddenly, the harassing calls began, relentlessly. and I had to block the number to my cell phone from their multiple lines. Today, they have attacked my perfect credit reports at all three agencies. It has caused my credit score to drop significantly. They are claiming we opened this account in XXXX of 2017 in a fraudulent attempt to re-age what would be an expired debt if it were valid, which it is not.
Equifax Credit is reporting an account for XXXX with a balance of {$5100.00} and account number XXXX. This information does not belong to me. I have contacted XXXX and they have no recollection of this. Please remove from my credit report immediately.
I was never informed of debit til I seen my credit report then tried talking to them and I was told basically to ignore it
On XX/XX/2018 I have shown proof to all three credit bureaus that thechapter XXXX bankruptcy was reported in accurately and i get a response stating they have verified this in XX/XX/2018 which isnt possible because the bankruptcy information to call to find out is the wrong number. I also asked whom did they speak with to verify this information XX/XX/2018 and i didnt get a valid response. Also, I have sent in proof that XXXX XXXX is reporting i owe XXXX dollars when i only had a credit card with them for XXXX and I dipute to have that removed XX/XX/2018 and the credit bureaus wont remove it. On XX/XX/2018 I also dispute the fact that XXXX XXXX and capital one were sold accounts and they are still reporting late payments which shouldnt be. Im trying to clear these things up to try to get a home eventually. Also, I just disputed XX/XX/2018 that the new chapter XXXX dates are all wrong and its not reporting accurately and Its no way they have verified thisw information with the courts because I myself couldnt speak to a person. The law states you have to speak with a indivdual to verfiy the information being reported and im just being toss aside.
XXXX XX/XX/2017 - called XXXX to transfer services due to move. After several weeks and conversations it was determined that the area I was moving to was not serviced by XXXX and they want to charge me a cancellation fee ... even though I was not 'cancelling ' the contract - they, XXXX did not service the area.

2 cases were finally created by XXXX : # XXXX - to confirm serviceability - they sent a XXXX van out to my new address, confirmed no service # XXXX - termination fee suspended XX/XX/2017 - Debt collection - from XXXX XXXX, XXXX - contacted them, disputed the case, gave them the information above, they closed the case. 

XX/XX/2017 - Debt Collection - Convergent - called them, told them I am being harassed by XXXX - since this debt was resolved 6 months ago ... .. sent them the closed disputed case. 

I am filing a complaint because I feel harassed. I have to take time out of my schedule to deal with this nuisance. This is all unfounded by XXXX. They are awful. If harassment does not stop - I will retain a lawyer.
In XXXX of 1997 the Law Office of Michael J. Scott, P.C. filed an Abstract of Judgment against me for a XXXX XXXX credit card account debt that is not mine. I am currently a XXXX XXXX customer in 'good standing '. XXXX XXXX has n't informed me of this allegiant past debt and I have never had a XXXX XXXX account with a of {$2100.00} balance. The Law Office of Michael J. Scott P.C. in XXXX, Texas failed to accurately identify the person who owes this debt.
Mislead Into going to a school that promised so much career opportunity and growth but instead got brought into a student loan debit that has become so large to even repay and now my former school ( XXXX XXXX XXXX ) as completely shut down and is and tried to work out a payment option or have the loan forgiven but is still giving untrusted information on what to do by Navient
On XX/XX/XXXX XXXX XXXX dollars was withdrawn from my checking account, this withdrawal was not done by me or my mother that is also on the account. I went to a bank branch that was closest to my residence to find out what was taking place. I was given a phone number to report the incident, which was done on XX/XX/XXXX and a temporary credit of {$700.00} was given to me and a investigation was started. On XX/XX/XXXX my claim was denied and the XXXX XXXX dollars was taken back out of my account. I did not receive any information on why it was denied, I called the fraud department which was not very helpful at all. I requested that the claim was reopened because there is a mistake, it was reopened on XX/XX/XXXX and got denied on XX/XX/XXXX. I have only received one letter in the mail stating the an ID was used from someone that is on the account and was not reported stolen. I have been going back and forth with Bank Of America for months and have not gotten anywhere! 
Claim # XXXX