WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One Refused to help during a hardship because repayment was 100 % across all of customers accounts. After 2 months of missed payments they were willing to allow longer term repayment plan but continued to report negatively for 4 additional months although payments were being made as agreed.
Today I applied for a Sears MasterCard and was given a number to call XXXX application number XXXX. So I called the number and spoke with a representative stating the reason I was denied was due to a recent Sears card. I inquired for the dates and numbers. I was then transfered to the recovery unit. I filed bankruptcy in 2010 and Sears was included in my bankruptcy. Except when I spoke with the recovery unit they explained to me that I had XXXX account with them and they were sold to an collection agency. He did not give the name of the agency just a contact number. The Sears accounts were included in my bankruptcy and Sears should not still have me in a recovery status. At the time of my application I should have been approved not denied due to a previous bankruptcy. I have been approved for other cards with this company and not denied. So the recovery unit needs to un-flag my name because it has been 7 years since my bankruptcy. The collection name at the time was XXXX XXXX XXXX and both accounts are in my bankruptcy. Why they were not notified I do not know.
I went to XXXX to do face threads on XX/XX/2018, work was partially done because the doctor couldn't get the needles into the left side of my face and he didn't have enough needles to finish the work. I was giving an appointment to finish the work XX/XX/2018. When I arrive the doctor asked me why i was there and I said to finish the work. His remarks was that he was not aware of my appointment and he did not have any needles available to finish the work. No one in the office could give me an answer. When I got home i called my bank and place a charge back on {$1000.00} that was paid to the doctor. The doctor had ample time to dispute my charge back which he never did. Instead he send me to collection with capital accounts and capital accounts harassed me with phone calls never providing me with any information. I see that capital accounts provide CFPB with a ledger that is incorrect because the ledger never showed the credit card payment or the credit. Attached please find proof of payment charge back and appointment to finalize the work that was never done.
I submitted a complaint to US Bank on XXXX XXXX 2016. I purchased the replacement of my cell phones. They were n't done satisfactorily my XXXX touch no longer worked the brightness was n't correct etc. I contacted US Bank to initiate the dispute after my appeals to the company went unanswered. US Bank initiated the dispute and on XXXX I received a letter ( attached ) requesting more details. I submitted the appropriate documentation approx XXXX. 

On XXXX I noticed a suspicious transaction on my account for XXXX. The description only listed " Forced ACH Debit '' upon contact US bank they indicated they had denied my claim because it was n't a duplicate charge. Upon speaking with the bank they indicated they were treating the transaction as if it was duplicated, which is contrary to what the letter I received indicates ( Quality of Service ). During my conversation it was discovered they had n't received all the documents and failed to perform any follow up or resolution. They treated the transaction as a duplicate and on XXXX I received XXXX overdraft charges for XXXX a piece. I immediately called the bank and explained that this was n't correct. The representative was immediately condescending and rude indicating that the investagation was completed and they would n't refund the amounts. I indicated that the investigation was done wrong and that it was n't treated as a quality of service claim. When I asked for a Manager i was immediately hung up on.
XXXX XXXX set me up with equipment that raised my bill and failed to fix a problem for 7 months, and had me renew my contract under false pretences by sending a technician to my home and tricking me into believing that my service issues were resolved, and they were not. So I cancelled the contract under false representation of their service. XXXX is trying to charge me an early termination fee for which I dispute being I would not have renewed with XXXX if they would have fixed the issue with my boxes buffering. While we are still in the process of negotiating a fair price XXXX reported a collection on my credit in an attempt to denigrate my character. I have not had a late payment or collection on my credit in over 15yrs. And the final decision had not been communicated to me as a matter of fact no manager has called me back as of date. Nor has their been any attempt at reimbursing me for the 7 months that my service was not working. The collection has not been resolved yet XXXX reported to the credit agencies without attempting to return my phone calls.
Trans Union is blocking my credit report, i have contacted them repeatedly and they refuse to fix that, all they do is transfer me to another representative. i have been calling for over more than a month, so I they 've had plenty of time to contact me. No matter how many times I call they do the same.
I have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it.
I have been in dispute with Bank of America about what I considered " false '' charges on my credit card ending in XXXX. I received paperwork from them and in the time I was waiting for the dispute to be settled and updated, I was waiting for them to update what I owed on my closed account. I made a good faith payment of {$100.00} and they reported to the credit reporting agencies ( All of them ) that I was late 30-60 days. I contacted the bank asking for them to correct the report and they said their hands were tied and they could not. I think this is wrong and misleading on their part, as they know this account was under dispute and I was unaware what I owed them
In 2015 I attended at XXXX XXXX college. I have two loans one through Sallie Mae ( wish they pushed me to go through ) and one through Navient. A few years ago I enrolled in auto pay through Navient. I called a customer representive and asked how much my balance was, I was told XXXX which is what I took my loan out for. What was really upsetting I was so so shocked I couldnt even talk, I was brought to tears, was the fact that I have been paying {$40.00} every month faithfully ( getting taken out of my bank account ) and I have not done anything to my total amount paid. I am so disappointed, I work full time and paying my Sallie mae loan every month is more expensive then a car payment. I really need to speak to someone that actually knows what they are talking about. I made the decision to go to college, and the representatives they have working for them do not take that under consideration, they want to take advantage of young people and not properly explain that I would be paying back XXXX for the rest of my life. Never have received a paper statement where I was for the month, like I do with Sallie Mae. I really need someone educatied and willing to help because I have a large debt and I need someone that is understanding and not looking to take advantage of me. I work very hard for the money I do have and hearing what I owe is the same I took the loan out for just seems very skeptical. Ive heard of Navient doing shady things, but I have never experienced it myself.
I opened a Bank of America core checking account XXXX 2016 in response to an email offer that provided a bonus of {$100.00} if XXXX direct deposits of at least {$250.00} each were made within 90 days of account opening. It also says that after meeting the requirements " BOA will make every attempt to deposit the bonus within 60 days. '' However, after questioning BOA reps two times now via chat, I 've received conflicting information. Some say there was no chance of the account even being considered for the bonus until 90 days have passed, some can not tell me what bonus my account is coded for, if any. I was even lead to believe by the first representative that I should see the bonus within a week. That has not happened. I understand that I 've met the terms as of XXXX/XXXX/16 ( my XXXX qualifying employer direct deposit ), so I would look for the bonus by XXXX/XXXX/16. No one has provided that date, and instead make it seem like BOA could wait months after. If that was the case, they should have stated so in their offer. I just want the date I will receive the bonus, otherwise, I am sure I would have ended up submitting a complaint after another several weeks of being given the run-around after XXXX/XXXX/16.
enhanced recovery co ( ERC ) WAS PAID BY ME ON XXXX/XXXX/2016. 
THEY WERE COLLECTING FOR XXXX, ORIGINAL CREDITOR.THE ORIGINAL AMOUNT DISPLAYED ON XXXX, XXXX AND XXXX WAS XXXX.THEY CHARGED AN ADDITIONAL FEE FOR A TOTAL OF XXXX.ACCORDING TO XXXX ( CA ) FDCPA IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX 'S ORIGINAL CONTRACT.ALL XXXX BUREAUS DO NOT DISCLOSE THE AMT PAID AND DATE PAID BY ME WHICH IS INCOMPLETE INFORMATION BY A FURNISHER ACCORDING TO FCRA AND I UNDERSTAND WHY THEY WOULD WITHHOLD TO CONCEAL FDCPA VIOLATION AS WELL AS FCRA VIOLATION.
XXXX XXXX Common Wealth Financial XXXX  XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. 

To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX XXXX XXXX
We have made requests from three national banks we use for a data download of banking date in access of the 18 month limitation set for comma de-liminated data files. 

When National banks will provide up to 7 years of PDF monthly statements, yet will not provide seven data files for the same data beyond the 18 month limitation. What is the logic?

In both cases, they have to go to off-line storage to access the data. In the data format, they will only have to retrieve up to seven annual data files. In the monthly PDF example, they will have to retrieve up to 72 monthly statement PDF files.

We have no problem with 18 months being the standard for data file downloads. However, we think they should be able to honor a formal request for data beyond the 18 month limitation.

Based on the assumption banks are required to keep 7 years of data for IRS purposes, honoring our request should be of no consequence.
I need immediate assistance please. I 've proven to Equifax numerous times that they 're reporting " unknown medical collections '' on my credit file. They have come back and stated these items are " verified '' although they have no idenifiers. How can they verify something in which they have no information to validate? Why have n't they corrected, removed or sent me the actual information that pertains to these accounts? I do know that everything on my credit file must be accurate, complete and correct. These are not any XXXX of those. I 've also received letters stating that every single XXXX of the accounts that I have disputed with them are verified. I would like to see the proof of ownership because I do n't even think that some of these accounts are mine! I 've asked for the physical documentation that verifies the ownership to no avail. I know my rights and I 'm positive after reading lawsuits and the FCRA that the bureaus are required to have the actual documentation prior to reporting these accounts. In consideration of the fact they are saying these items are " verified '', and they are required to have these docs, there should be no problem sending to me! I understand that the bureaus are paid to report accounts, and therefore, have no incentive to remove any of them. I also know that federal law states that everything on my credit file is required to be accurate and correct. Another issue I have is that XXXX of the accounts was removed and then reinserted later without any notification as required under section XXXX! I do know that because there was no notification, they are required to remove it once again. Please see the letter that I have attached which reflects the information that I am disputing.
Account XXXX from Cavalry Portfolio Services , LLC was added on XX/XX/2016 for {$740.00}. I have no contract with Cavalry Portfolio Services , LLC. I have never done business with this company. I am not liable with the debt from XXXX. I am not responible for the debt with Cavalry Portfolio Services , LLC.
Through the assistance of the CFPB Accurate background finally responded. I responded to there re-investigation but have received no acknowledgement and / or action. Sent my letter certified as confirmation that they received it.
FOR 5 YEARS I HAVE NEVER been able to get my free yearly credit report from transunion.
I was double charged at an establishment and was told i could not get my money back. after, speaking with a higher up rep of the company i finally received XXXX of my payments back. Today, I went to pay my loan off and re barrow and now i am being told that i can not because i missed a payment. i have receipts for XXXX and XXXX payment. i contacted the district manager again. And this time i was told to leave the store and that was that. I explained to this person that i have receipts and he still would not honor what i had to say. at this point my contract is void because they did not hold up the end of the agreement on their end. the district manager also hung up in my face.
I have already submitted a complaint about Nationstar Mortgage / mr. cooper and I have not had any luck getting them to admit they are in the wrong. I continually receive excuses with phrases like, " we are sorry for the inconvenience '' " we are sorry for the trouble this has caused '', " more research should have been done '' etc ... 

Nationstar Mortgage/mr.cooper sent my house into foreclosure in error. They have charged me a foreclosure fee of {$2000.00} even though I have tried to have this charge removed they have sent me the following response : " The foreclosure fees of {$2000.00} are valid. We show that a Demand Letter was sent to you dated XX/XX/XXXX, and indicated that the account needed to be brought current by XX/XX/XXXX, otherwise the account would be referred to foreclosure. The account was not brought current on that date and was referred to foreclosure on XX/XX/XXXX. As such, the foreclosure referral was valid and unfortunately will not be waived. '' I received a copy of a Lis Pendens, Summons and Complaint Foreclosure - Non Jury that was Electronically filed on XX/XX/XXXX by, XXXX XXXX  XXXX, XXXX, attorney for the plaintiff, Nationstar Mortage LLC d/b/a mr. cooper, to the State Of South Carolina County of XXXX. 

This was the same day, XX/XX/XXXX, that I called in to make a payment. I was told not to make a payment until my misapplied payment from XX/XX/XXXX was found and applied to my account. No mention what so ever that my home was already sent to foreclosure or any mention of Nationstar 's attorneys. 

As I explained to Nationstar / mr. cooper, I contacted my dedicated loan specialist, XXXX XXXX, on XX/XX/XXXX with several questions about my mortgage and payments and I was informed not to worry if I should receive papers about a foreclosure on my home, I was indeed not in foreclosure. She did inform me that my lost payment from XXXX had now been found and had been applied to my account. 

I received a letter from mr. cooper dated XX/XX/XXXX and it reads : " Failure to pay {$4100.00} by XX/XX/XXXX may result in acceleration of sums secured y the security Instrument, foreclosure proceedings and sale of property. '' I then received a copy of Consent stipulation of Dismissal and Cancellation of Lis Pendens that was filed with the XXXX Clerk of Court by the plaintiff 's attorney XXXX XXXX  XXXX, XXXX. dated XX/XX/XXXX. 

As you can see I was put in foreclosure in error by Nationstar Mortgage/mr.cooper but , yet I am still being charged {$2000.00} foreclosure fees.
i have inquires that should be removed and have proof that they should be removed and equifax has yet to remove them i hope hat you can help me get them removed
I contacted USAA regarding a past due auto loan and advised I would like to voluntarily surrender the vehicle. USAA mailed the form to complete the repossession process. I completed the form and faxed back to USAA. I followed-up with USAA and they advised it is not cost efficient to repossess the vehicle at this time. They instructed me to write a letter of consideration to release the title for {$0.00} contribution. I faxed the letter of consideration to release title on XXXX/XXXX/16. I have called USAA multiple times and have been placed on hold for 30 minutes at a time or transferred to departments that are unable to assist me with my issue.
I graduated college in XX/XX/XXXX. Through the past years I had trouble paying my monthly payments for the loans. I did deferments and forebearances throughout the years while I went to XXXX in the XXXX. I graduated in XX/XX/XXXX. I am not a XXXX though now. .My student Loan provider was XXXX and then changed to Navient. Since XX/XX/XXXX, I have made payments every month with a couple of late ones but always paid the amount owed. I have made a total payments of around XXXX dollars but yet my principal balance has not gone down at all. I do n't understand how this can be. I do n't know why some of my payments are not going toward the principal balance. All I have been doing is paying interest or something. I heard there is some lawsuit. Do I get to be a part of that or how do I join that lawsuit against this company? Please help!
I WAS A VICTIM OF IDENTITY THEFT OVER A YEAR AGO. ALL CREDIT BUREAUS ADDED A FRAUD ALERT TO MY ACCOUNT. I DID NOT ASK THE CREDIT BUREAUS XXXX, XXXX OR EQUIFAX TO ADD A FRAUD ALERT BUT BECAUSE OF THIS COMPALINT IN REF TO XXXX IT WAS ADDED. PLEASE CONTACT ALL CREDIT BUREUS AND REQUEST THAT THIS ERONEOUS ALERT BE REMOVED FROM MY CREDIT REPORT.
I am in distraught due to a collection debt XXXX XXXX XXXX had reported to the collection agency. This debt is now significantly damaging my credit score. I do not owe this amount nor the account belong to me. I recently started receiving mailing statements from this enhanced recovery company to collect that debt. I am outraged. I complained to the XXXX and also attempted twice to dispute these actions for the debt owed to the credit agencies. A lady by XXXX XXXX from the XXXX headquarters had harassed me with phone call and responded with a letter in regards to my complaint with the XXXX. She has a record of a XXXX XXXX and not myself. This is really embarrassing and completely inaccurate. I even attempted to reach out this person and see if there was a way to resolve this debt however I shouldnt have to because it does n't belong to me. Please help me with these inaccuracies and unlawful approaches this company has directed towards me.
Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. 

On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ) ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 )  Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. 

To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX  on XX/XX/XXXX and did not receive a satisfactory dispute response.
ROSSMAN & # XXXX reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was # XXXX This is a error and needs to be updated.
I notified them right away that I could n't make the payments right now because of the enormous fees. I spoke to them on the phone to customer service first, letting them know they could call or email me but could not call my employer. They still called my employer daily. I sent them an email to stop calling my employer, they still called daily. I faxed them a statement, referring to this website that they must stop calling my employer at XXXX. I told them in the fax that they could continue to call my cell or email me, both of which they have. But they keep calling my employer daily, sometimes more than once. I can not get personal calls of any kind at work. I just want them to stop calling my work number. I do have supporting documentation but I do n't have it on me at this moment that I 'm submitting this.