WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for Capital one Secured Credit card. with an opening deposit of XXXX funded by XXXX XXXX XXXX account around XXXX XXXX. Capital one Approved my Application. They processed my opening payment. XXXX  XXXX XXXX approved the payment. Capital one then Put a 10 day hold on funds before sending out my card. XXXX XXXX I received the card. I activated card and used card, XXXX XXXX XXXX  .Capital one Restricted MY account. I was put through Identity Questions, i was cleared and accepted and account was restored. {$600.00} charge posted to my current balance. I paid {$600.00} XXXX XXXX. Capital one then placed a 5 day hold on payment. XXXX XXXX the hold was removed released my payment capital one Then restricted my account again. XXXX XXXX XXXX, i was asked series of questions i was told i needed to buy a phone in my name with a billing address that match their verification system the outcome of that i was told they will restrict my card at any time. i told them i have cricket non contract prepaid {$60.00} month to month phone with personal information like my name and my current address with my phones documents. But i am able to receive my capital one daily spent alerts on my text message, i enrolled in capital one app and was verified with my phone to register it with capital one mobile app. I was successful enrolled.2 -3 day deposit trail was processed to XXXX XXXX XXXX for verification of authorized user of account.The verification was validate and verified to capital one. XXXX XXXX my account was released from restriction. and then placed back on restriction. I was told they needed bank statements, ownership of account with bank. I provided capital one what they requested. Capital one demands outrages and violate my privacy with my bank. I have NONE RETURN PAYMENTS. I PAID MY FIRST PAYMENT EARLY. ALL PAYMENTS WAS PLACED ON 5 DAY HOLDS. AND RELEASED. I WANT CAPITAL ONE TO GIVE ME MY MONEY BACK AND CLOSE MY ACCOUNT. THAT AMOUNT IS {$440.00} THAT THEY ARE JUST HOLDING WRONGFULLY DEMANDS VIOLATING PRIVACY MISLEADING AND ODD VERIFICATION STEPS THAT REALLY PHONY SEEMS FAKE I PROVIDED ALL APPROPRIATE DOCUMENTS THEY NEED TO SEND ME MY MONEY.
I called XXXX to inform them that I have been negatively impacted on my credit report. Although I made my payment in full on the website, they stated the reason for the negative impact was due to interest that was not paid. I explained to them that the interest was not reflected in the payment request online. Had it been reflected, payment would have been made. The person ( XXXX ) in Consumer Credit Specialist Department agreed but stated the only way she can discuss making the change with the credit bureau was if the mistake was done by a third party. 
I believe this is unfair since the bill did not illustrate correctly. Please have XXXX update my credit report and remove my negative impact.
I deposited a check by phone ( mobile banking ) into my Bank of America checking account on XX/XX/XXXX. Only {$200.00} of the deposit is available. The check I deposited comes from a XXXX business checking account and cleared XXXX the same day, XX/XX/XXXX. However, Bank of America has a hold on the remaining balance until XX/XX/XXXX. As a result I had a transaction returned and I incurred a non sufficient funds fee for the returned item. I called Bank of America customer service and was told that they could not do anything about the situation and that the rest of the funds would be available on XX/XX/XXXX. I will probably have more transactions returned and I will incur additional non-sufficient funds fee. I have deposited checks from this same XXXX business account multiple times, at a ATM and mobile banking, and never had a problem.
AFNI Keeps contacting me informing me that i owe XXXX from an old XXXX XXXX XXXX phone that was swapped to a new account years ago. I contacted XXXX XXXX XXXX and they indicated the account was paid in full otherwise they would not have moved my number to a new account ( XXXX XXXX XXXX policy ). I contacted AFNI and wrote to them indicating the account was paid in full. While on the phone they informed me my credit score would be taking a hit very soon so " SURE hope i wasn't going for any loans soon ''. They also said even if i was successful in getting it removed from my score history it would take a long time and what was my time worth. I told them several time i did not owe the money but they continued their threats. This feels like extortion and intimidation and it is unfair to consumers. 

Now they are requesting Identity Theft Victim complaint information from me. 
They want me to send them 6 pages of personal information.
Chase placed credit inquiries on my XXXX and XXXX credit reports These are not my inquiries as I never applied with them. I called them and they promised to remove them but they never did. These inquiries are damaging my high credit score.
On XXXX XXXX I transferred money ( {$200.00} ) to XXXX to my family using western union app as i have used it 3-4 time before same place same person. After the i got mail from the western union with all the correct information. The transfer was done using my bank account of sun trust to my sisters bank account in XXXX ( B2B ). the money has to appear to receiver bank account by XXXX XXXX but i waited, i thought it might take time. After a wait of 10 day on XXXX XXXX Saturday I called to the western union inquired about the money transferred and it happens to find out that money was transferred to wrong bank account in XXXX but the information i put and the mail from western union say correct details of everything.Then i called western union after hearing all my details XXXX  from western union make a case ID and gave me, tell me we will look upon it and will give you reply within 24 hour but no body responded so i decided to call them back and when i called on Monday they took all information and hung up on me. next day i tried again same thing happened. i tried today again and the again hung up. I am sending all information that i have please help me to resolve. 

Tracking number - XXXX case ID - XXXX My cellphone no. XXXX XXXX XXXX, Thank you. The payment for your money transfer has been received. 
It will be available in XXXX XXXX 's bank account by XX/XX/2018. 

If you have any questions, contact us anytime. 

Thanks for using Western Union. 

___________________________________________________________________________________________ This is your proof of payment for the money transfer below. 
______________________________________________________________________________________________ Your tracking number ( MTCN ) is : XXXX Transaction Date : XX/XX/2018 XXXX ET Payment Method : Bank Name : XXXX Account ending in : XXXX Routing Number : XXXX Delivery Method : Bank Name : XXXX Account ending in : XXXX Bank Code : XXXX Mobile Number : XXXX Street : XXXX XXXX XXXX XXXX : XXXX Sender : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX : VA Country : UNITED STATES ZIP : XXXX Phone Number : ( XXXX ) XXXX Receiver : Name : XXXX SHARMA City : XXXX State : XXXX Country : XXXX ZIP : XXXX Expected Payout Location : XXXX, XXXX, XXXX Payment Information : Bank Name : XXXX Account ending in : XXXX Routing Number : XXXX Account type : CHECKING Payout Information : Today 's Date : XX/XX/2018 Date available in receiver 's country : XX/XX/2018 Delivery Method : Receiver 's bank account. 
Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Exchange Rate : XXXX USD = XXXX INR Transfer Amount : XXXX INR Total to Receiver : XXXX INR
XXXX XXXX : XXXX : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX.
Due to employment issues ( taking demotion in lieu of layoff XX/XX/2014 ), I fell behind on my mortgage. Since that time, I was not only reinstated ( XXXX 2014 ), but promoted twice in a year. 

Seterus offered me a modification, I made the trial payments, and tried to continue paying, but they rejected those payments telling me I had to wait for the paperwork. My next contact was from the county telling me my house was going to foreclosure sale.
Citibank has a promotion to give depositors a bonus of {$400.00} if they open a Chencking account for {$15000.00}. This {$400.00} bonus will be paid to the depositor upon maturity of 90 days from the date of opening of the account. 
On XX/XX/2016, I opened such a checking account at the Citibank branch, located at XXXX XXXX XXXX, XXXX , NJ for {$15000.00}. The maturity date has already passed and I still did not receive this {$400.00}. So I made several phone calls to the branch manager XXXX XXXX as well as several other bankers in the bank to inquire about it. They all told me that I am qualified to receive this {$400.00} bonus and I should receive it any day. However many days had gone by and this {$400.00} was still not credited to my account. 
I referred many other people to open such account with Citibank and they all have received the {$400.00} bonus so far but not I. The following are XXXX people I referred to the bank to open accounts who have received the {$400.00} bonus, one is XXXX XXXX XXXX, Account no. XXXX and XXXX XXXX XXXX, Account No. XXXX.
Experian : Its been over 7 years and all my bankruptcy reporting has been removed except for this  XXXX . This lender was also not a part of my bankruptcy and was paid in full.   XXXX  In chapter  XXXX  bankruptcy  XXXX   XXXX ,  XXXX  Derogatory.  XXXX /2011
I am trying to modify the loan on my grandmothers home which I am the executor of the estate. I have not received any answers regarding the mortgage loan on my property.
After failing to work out a viable payment plan with Navient I submitted a cease and desist letter informing them that any further contact was unnecessary and would be considered harassment. This letter was received by Navient on XXXX XXXX, XXXX by certified mail. Navient replied with an acknowledgement shortly afterward but the calls continued to this day, XXXX XXXX, XXXX. I am filing this complaint because today ( XXXX/XXXX/XXXX ) Navient contacted my mother about my account and I feel their behavior over these five months amount to a sustained form of harassment.
I got my credit checked when I was trying to buy a house and the report came back showing some accounts that I originaly thought was identity theaft. After calling a few accounts they told me its my social but not my name on them and a few of them said is not my name and the social was a digit off. I got a police report and they did a quick investigation and concluted that there was a glitch and after looking at the accounts it looks like its coming from the experian credit report.
I received a letter in the mail stating that I had applied for a card and I had NOT. I tried calling the bank and was put on hold for close to XXXX minutes after being passed around several times
AVANTE has placed a fraud account in the amount of {$1100.00} onto my credit file. Not only have they inserted a fraud account I was never made aware of this debt and was not given my right to dispute the validity of this account. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I do n't even know Equifax has refuse to give me my annual credit report, I called them too many time I got not respond, IN ORDER TO DISPUTE ACCOUNT I NEED MY COPY OF MY REPORT
I have been contacted several times by phone by Midland Funding to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with XXXX person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.
I have had two problems with the mortgage since I refinanced. First shortly after I refinanced they raised the cost per month to {$1500.00} a month with the option to be {$1500.00} a month if I sent {$24.00} in. I did send the {$24.00} in but never got the cost lowered or even credit for the {$24.00}. This " escrow shortage '' of {$24.00} I sent in on XX/XX/2016. I called a couple of times without getting results on this. Then I talked to a manager who acknowledged the error and said she would rectify it. She never rectified it and would n't answer the phone or return phone calls after that time. 

My second complaint is that the mortgage company, now called " Mr. Cooper '' has decided my monthly payment needs to be raised again to  " cushion my escrow for any increase in taxes and insurance and has raised my monthly payment by {$93.00}. This outrageous as my initial payment was under {$1500.00} and now is will over {$1600.00}. 

They claim my county tax has gone up {$1500.00}, town tax {$310.00} and my Hazard {$760.00} per year. Those are all pretty hefty sums out of the blue with no notice from those making the purported increase. 

My mortgage will now be {$1100.00} more a year. I 'm having a hard time believing that the taxes and insurance shot this high all of a sudden. Have not heard anything from the insurance company.
supporting documents for case # XXXX and # XXXX. 
In the attached documents they prove my wife was XXXX XXXX. Included is our marriage license. XXXX XXXX committed ID theft and forged my signature. Her actual name is XXXX XXXX. It is how they hid the loan documents from me. I made SPS aware of this and with the police report and they are continuing to defend the fraudulent loan. look at the dates. My marriage Cert is XX/XX/XXXX. XXXX XXXX Fraudulent faxed letter is XX/XX/XXXX. A clear pattern established of forged documents and ID theft and the bank is denying it. I demand an investigation into the origins of this loan. Please assign me an investigator. I am waiting on the DA and Federal Attorney to do there job but see a civil case as my rights have been violated civilly. Thank You XXXX XXXX
I have disputed the late payment status reported on the account XXXX XXXX XXXX with XXXX and Equifax for several attempts to no positive result. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Per my conversation with CFPB on XXXX/XXXX/15, I am submitting a new complaint based on my original claims and allegations against Bank of America, but will be providing new/additional information, such as a better Bank of America contact to reach out to, i.e. preferably outreach to Bank of America 's CEO/Corporate Headquarters versus a random consumer resolutions center.
I received a letter from Phoenix Financial Services, LLC. dated XXXX/XXXX/XXXX stating a debt for creditor XXXX XXXX XXXX XXXX XXXX in the amount of {$570.00}. The date of service listed is XXXX/XXXX/XXXX. I have sent XXXX letters to the company asking to verify this debt since I have no knowledge of it. I sent the letters by USPS mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have yet to receive a response from the collection agency. I also noticed that the debt is being reported falsely to XXXX stating that the account was open on XXXX XXXX. This conflicts with the date of service listed on my letter for XXXX/XXXX/XXXX. This would allow the collection agency to collect well after the seven year statute of limitations would be expired.
EXPERIAN IS NOT REPORTING MY CURRENT CREDIT RATING AND I AM UNABLE TO GET THE MONEY I NEED FOR MEDICAL TREATMENT THAT MEDICARE DOESNT COVER BECAUSE OF IT ... AND IT IS REPORTING MISINFORMATION WITH REGARD TO MY HUSBANDS CREDIT SCORE, TOO!! I NEED HELP!!
I was garnished by a company and they can't provide me with an account of my funds. why?
Freedom Mortgage did not pay our property taxes out of escrow on time. The bill was due on   XXXX   XXXX  . The taxes were delinquent as of  X/X/17   . On   XXXX   XXXX  , I notified them in writing of their error. It is now   XXXX   XXXX  , and we received another delinquent notice from  our county  treasurer office as well as additional late fees. We are worried their error will affect our good credit ratings. I followed up today, and the representative read me notes that they called  our county  clerk and were told there were no taxes due. I highly discourage anyone from using this company. I have had to spend over 4 hours in phone calls rectifying their mistake, and I still do n't have my property taxes paid.
I have received repeated calls from Portfolio Recovery Services. I have reviewed my credit report and all of my accounts are current. I do not answer the calls as they are tagged as spam or fraudulent by my cellphone. These calls spoof different numbers. I block the calls and after a few months they start again.
This has to do with a TJ Maxx credit card account. I had made a purchase on the card, then paid my monthly bill, mailing it. The next time I got a bill ( today ) it did not reflect that had sent them a payment. So I immediately called customer service. I had to try XXXX times to get through on the phone, the system kept dropping me into a voicemail box. I then talked to XXXX different people- someone in customer service, then transferred to payments, then back to customer service, then to collections, then to customer service. Except for the last person, all of the representatives were telling me I could get XXXX ( XXXX ) late charges deducted from my bill, and this was the reason they were supposedly transferring me, but they seemed to have some kind of difficulties with their system, or their screen, or some other excuse- during XXXX interaction I heard laughing in the background when talking to the male customer service rep, after I stated I could not understand what he was saying due to his accent. 
I had already agreed to pay the bill, provided the late charges were deducted ( I had a {$120.00} balance and they had added {$75.00} in fees on top of that, so it amounted to XXXX of the total ). I was willing to pay the interest, but not the fees. I was told this would be done, and I asked to close my account. The minute they accepted my payment ( and no transaction number was given ), I was then told by the 'collections ' representative that they would only deduct XXXX fee, and that I still had {$35.00} showing on my account, which was a bait and switch. Most of the people I was talking to struggled to speak XXXX ... I then wanted to pay the bill in full because I felt these people were very dishonest- and they refused to take my payment for the remainder of the balance! The last representative was quite rude, told me my account was 'delinquent and already cancelled due to nonpayment ' which is not stated on my bill, and not stated by anyone else on the call to me. Also this company is charging a XXXX interest rate! How is that not usury? The company managing the TJMAXX credit account is XXXX Bank.
Ever since NationStar Mortgage acquired my loan amongst a bundle of mortgages that XXXX XXXX XXXX divested themselves of, they have done everything they could to cheat me by trying to wrestle my loan terms from me. They 've alleged that I did n't have home insurance when they knew I had. They have had a company they do business with break into my home ( XXXX XXXX XXXX ) under the excuse they did n't realize I was living there. What business does this when all along I 've been paying my mortgage by the allowed grace period each month since I bought the home in 2002! I 've had to send my payments by certified mail because along time as tried to change my terms they no longer allowed me to pay my mortgage through their pay by phone system. They 've never to this day replaced my door or restored the glass that they broke by breaking in when I was n't home. I came home one day last year to discover my front door 's lock was changed. Items were missing from my home. They 've accepted payment of taxes by the town without crediting me as they 've always been paid by me! NationStar Mortgage has been doing a disservice to me and been unjust as they attempt to discredit me by trying to elicit all kinds of fees from me through their corrupt operation!! Please help me by restoring my loan to its original terms & cleaning up whatever damage they 've done to discredit my good credit. Much appreciation for your help, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ma XXXX Loan # XXXX
When closing for my home mortgage on the property at XXXX MD XXXX. I closed with a mortgage company who after my closing sold my Mortgage to PennyMac. During closing I was told to purchase home owners insurance on the property which I did. For the value of {$390000.00} i was only required to have {$330000.00} of coverage as what was estimated at far market value to replace the home. Today XX/XX/2017 I received a letter from PennyMac istructing me that I must increase my insure coverage ( the letter by the way was dated XX/XX/XXXX ). Upon speaking PennyMac on XX/XX/2017 they infomed me is must increase my coverage to {$5000.00} dollars past what is on the current loan. I was told that this was THEIR policy. If I did not do this then they said PennyMac would buy insurance for me. I believe this is in violation of my mortgage agreement that I signed at closing.
I have XXXX complaints with DIRECT EXPRESS debit card XXXX Thye are XXXX with Debit charges on my bill XXXX in XXXX for XXXX NC XXXX and it was for XXXX nights in hotel tottalling XXXX. 
I have complained to XXXX and to DIRECT EXPRESS in writing and go no possibility of relief for bill I did not do. 

Secondly, I was in a XXXX in XXXX I first checked into XXXX XXXX XXXX for 5 weeks. I found I could get into my new home earlier. I told them I would be out on Tuesday Morning. I asked for a refund. None was offered. I asked for refund from XXXX, they said you paid, even though you do not stay we keep the money. I complained to Direct Express, included statements from back showing what I was charged. Nothing as usual.