WillisBack/dataset-financial-user-claim huggingface dataset:
I have repeated ACH transactions being taken out of my checking account with Capital One bank. I have opened disputes with Capital One on these transactions but they have been denied. The reason for the denial is that they have a policy that disputes must be initiated within 24 hours of the transaction. Unfortunately I am not able to log in and check my account every day, so my disputes are denied. Some one at a company called XXXX is stealing money out of my bank account, and Capital One will not help me with this problem.
I WAS DOING REFINACE WITH COMPANY BECAUSE A I HAVE VARIBLE RATE AND TRY CONVERT MY LOAN  XXXX  YRS FIXED, THEY TOOK FOREVER NO RESPONSE SO I TOOK DOCUMENTS FROM THEM AND HIRED SOMEONE ELS TO DOIT AFTER THAT THEY GET MAD CASUE I DID NOT FINISH REFINANCE, AND THE GIVE BAD REFERRALS TO OTHER COMPANY I SPEND  XXXX  FOR APRASSAILES DID NOT COMPLETE REFINANCE THANKS TO THIS PEOPLE AL BAD REFERENCES NOW I GOT STUCKED WITH MY LOAN CAN DO NOTHING ABOUT
I received documentation from XXXX XXXX offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.
My student loan defaulted and was passed around to collection agencies. Immediate Credit Recovery never contacted me regarding this debt. They went through the Dept of Education to garnish my pay, in which they were successful. I appealed and have not heard back for over a year now and have requested an itemized bill numerous times only to be directed to the Dept of Education who tells me they do not own the debt and I need to contact my collection agency. So basically calling back and forth in circles getting the same response. I am attempting to get the status of my appeal and an itemized bill. Any assistance would be greatly appreciated.
these debts were paid off in full and still put on my credit report anyway. ( XXXX /Mariner Finance. XXXX was given my visa card # to take the money directly from my checking acct. the XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called XXXX told them what I had done and why.
This is not my address nor do I have any debt located at this address. 

XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
I have a credit card with Chase. My account was closed without my consent in XX/XX/XXXX. 
My account was in good standing ( for 24 years ) and I had updated my personal data with them in XX/XX/XXXX. When I attempted to use the card on XX/XX/XXXX it was declined. I called Chase and they told me my account was closed due to lack of a form XXXX. They indicated that they had sent me a letter to this effect which I did not receive. I was also told that if I visited a Chase branch then I could submit the form there and the account would be re-opened. I drove to a Chase branch which was XXXX miles from my work and completed the form. I was told the process would take 1 business day. 
When I called back to Chase on XX/XX/XXXX when the card still failed to work, I was told by another representative that since the account was closed in XX/XX/XXXX that it could not be re-opened.
I am an American Express ( AMEX ) customer. Prior to XXXX 2015, I made a hotel reservation through the AMEX XXXX ( XXXX ) web portal. Sometime in XXXX 2015, AMEX revised and remodeled the XXXX web portal in a manner that made prior reservations inaccessible to its customers and its AMEX Travel customer service unit. I was advised by AMEX Travel personnel that my reservation was irretrievable. Accordingly, I was led to believe my reservation was purged, erased and/or " lost. '' Months later I was charged a " no-show '' penalty by the hotel because it alleges the reservation was never cancelled, despite representations by AMEX travel that the reservation was " lost. '' I disputed the charge and AMEX has insisted that it is a valid charge. AMEX has consistently refused to acknowledge its responsibility for the penalty charge. I incurred the charge as a result of AMEX 's profound negligence, or as the result of a conspiracy of AMEX and its hotel partners to defraud and deceive its customers and impose frivolous, fraudulently incurred penalty charges when no services were rendered. I was given no opportunity to avoid imposition of such fraudulent charges. I have attached a letter I sent to AMEX that provides background on how AMEX 's negligent and/or fraudulent conduct resulted in an unlawful penalty charge that I was required to pay just to protect my consumer credit profile.
STREAMLINE MODIFICATION - back in   XXXX   XXXX    Wells Fargo  sent us a letter saying they woudl lower our mortgage through an " in-house '' " steamline '' modification. The payment would have been {$3100.00} This would be much easier to manage. We made the payments according to what was said by  XXXX  over the phone. They claimed what was said over the phone was incorrect and did not honor what the rep had said. We had also made  2 of the 3  payments. The last payment hit before we had made a deposit. We called immediately and said we can take teh cash to a local bank to make the payment. They claimed since the check came back insufficuent they woudl not allow us to modify - even though we had the cash the next day. this seemed extremely unfair but they would not budge. If our payment was {$3100.00} now it woudl be much easier to pay.     MODIFICATION - So recently we tried to modify again and   Wells Fargo refused and simply said our situation had not changed enough.
INTERST RATE - We   have asked repeatedly for  Wells Fargo  to lower our interest rate down from 6.5 % to anything lowe r ( w hich would help us by making the mortgage payment lower ). They refused to modify the interst rate.     PMI - The appraisal on my home ranges from $  XXXX  to $  XXXX   (  depending on who you use  ).  I only ow about $  XXXX  on the home. So clearly I am below 80 %  LTV (  loan to value ) and I would like them to remove the mortgage insurance from the loan. I has asked them to do so over and over again yet they refuse. it is my understanding that they are legally required to do so once the  LTV is pr oven. Not to long ago Wells fargo appraised our home at $  XXXX  so this should not be difficult to prove at all.     If they would simply lower our interst rate or remove the PMI our mortgage payment woudl go down.     I request assistance with this matter.
Hi, I have been using Ria Money Transfer , Online Money Transfer Agency to  transfer funds to my Friends and Family In  XXXX . Lastly, I sent  XXXX  $ from their website on  XXXX / XXXX /   2017  and the money never made it to the recipient 's account. I kept calling customer service and every agent keeps saying same robotic answer " We have not received response from   the Recipient 's Bank ''.
After waiting 10 days for Money transfer ( SLA is 5 days ), I called   them back to cancel the transaction on  XXXX / XXXX / 2017 . They submitted a cancellation re quest and now it is 5 more days and I am yet to receive my money back. Again I keep calling customer s ervice and I get the same response as mentioned above.     I managed to speak to a  Supersvisor  named  XXXX , The he says the money will be kept locked untill they receive the response from the bank.     The recipient is my dad and his account is not credited with the amount. When Transaction was made they did not respond, when transaction is cancelled, they still did not  respond. I am now worried whether Ria will keep my money locked forever saying the same robotic answer.  Is there a solution for this?
I work in collections and all of my calls are recorded. I have asked the creditor, several times, on a recorded line, NOT to contact my job. They said ok and continued to contact me at work, after I requested that they did not. They have been to my house and have left letters. The debt owed is less than {$400.00}. They call me back to back. Sometimes 3x in less than an hour. And they call, after a voicemail has already been left. These are all violations of the FDCPA.
All transactions with Citibank, same credit card. 
In Spring XXXX, I did a 0 % interest balance transfer ( Offer 4 ) expiring XX/XX/XXXX for approximately {$4800.00}. 
In XX/XX/XXXX, I did a 1.9 % interest balance transfer ( Offer 7 )  expiring XX/XX/XXXX for approximately {$2500.00}. 
In order to satisfy the payoff of the XX/XX/XXXX offer, I sent payment in full which was received by Citibank XX/XX/XXXX. 
However, the payment was applied to Offer 7 because payments above minimum are applied to the highest interest rate balances. This only applies to standard purchases as shown in the balance transfer agreement and as was confirmed by the agent I spoke with at Citibank. Excess payments are ( supposed to be ) applied to balance transfers by payoff date. 
Despite this, Citibank refuses to adjust how the payment is applied. 

Making matters worse, if the payment arrived ( late ) on XX/XX/XXXX ( instead of XX/XX/XXXX ), the balance transfer would have been transferred on XXXX by Citibank to Standard Purchases with a much higher associated rate, and my payment would have been then applied properly. In short, by paying my bills ON TIME, I am being penalized!

As a 25+ year customer of Citibank , Im baffled by their complete refusal to make this right, and more frustrated by the call centers hard stop on customer service. Theres ALWAYS someone above you who can review a decision, and its terrible service to refuse to connect a customer with that person. 

The damage to me is loss of use of the XXXX balance transfer with related fees that have already been paid. Additionally, I now am being charged interest on Offer 4, albeit only a few days.
I was using the online banking for my reoccurring mortgage payment. I had to change the amount of the payment. So i stopped the original payment and reentered the new payment. XXXX XXXX sent both payments. I called them on several occasions to get the funds returned, they said I would have to request the mortgage lender to return the funds. I did request them to do so on XX/XX/XXXXThey returned the funds vis electronic funds on XX/XX/. ( see file first line ) XXXX XXXX refuses to credit these funds, saying that the transfer did not happen. I have proof of the transaction but they still refuse to credit me these funds
On XXXX XXXX, 2016, I tried to make a reservation at the XXXX XXXX XXXX. I was offered a {$50.00} credit if I applied for the XXXX Credit card which is through Chase Bank. The credit card application asked for my social security number, annual income, and employer. I was approved within minutes. I went back to use the XXXX Rewards Card to pay for my reservation and was unable to use it because I did not receive a number. I had the last XXXX digits only. I called Chase Bank and was told they would not give me the card by phone and I would have to wait for it to come. That meant that I could not use the Credit Card with the reservation, I could not earn XXXX points towards a free nights stay nor was I eligible for the {$50.00} off that they advertised. I closed the account immediately and the website no longer shows my account number. It ssays " Your account is closed and no longer available for use. '' This has also happened with XXXX XXXX when I tried to purchase a flight.
A company called "  Jefferson Capital Systems ' ' is trying to collect a debt. They call my place of employment literally every day. I wrote them a letter to stop contacting me at my place of employment. They continued to call me at my employment plus leaving messages as well.
I have been attempting to negotiate a settlement with XXXX XXXX for some time now, and each time I call I am told that they will not ever correct my credit report if I settled with them in full. 
I currently owe them {$830.00} which I am trying to pay under the condition that they report my account is satisfied in full and they remove the charge off as every other bank has while I have been repairing my credit. XXXX simply refuses to assist and offers no incentive to satisfy the debt owed. I am trying to fix my credit but have hit a wall of non compliance from XXXX who has never provided me with any written information or solution to settle my debt with them. I am in desperate need of help. 
I have been trying to resolve this since 2016 when my home was burgled and the purchase product was stolen and never recovered by law enforcement
OnXX/XX/XXXX I decided to pull my credit report from XXXX XXXX because I was building my new credit which I just establish with my recent assigned social security. But it was a surprise that I found a company called Fair collection and a debt for {$7000.00} which I did not have any idea that I had. I was unaware about this, I had lived since XX/XX/XXXX to the same address. I contacted this company and they said I owed this amount and needed to be paid in full. So, I request debt validation and I haven't received any information, also I went to filed a formal complaint to the police station closed to me. I sent out to them a complete report about this. They still saying that I OWE something that I was never be notified as mine, also I did not have any calls or previus information, they never informed me about put this on my account, if they had my information why they didnt send me a bill or statement to my address. So, I had less than a year with my credit and this people is making my life miserable because of it. I'm so disapointed about things works here. This people have very bad reviews and complaints everywhere, its something it needs to be investigated.
This is a formal complaint we want to file on the Law Firm known as Aldridge Pite LLP. We believe this firm and its attorneys are acting in the capacity of a foreclosure mill for the banks here in the State of Florida in violation of the Fair Debt Collection Practices Act as Debt Collectors. ( Aldridge is a national law firm ) XX/XX/XXXX a foreclosure case was filed against us in a attempt to take our home here in XXXX Florida and this law firm known as Aldridge Pite LLP., representing XXXX is making a ( 2 ) second attempt to foreclose on us, attempting to collect a time barred debt in clear violation of the FDCPA. 
This law firm known as Aldridge Pite LLP. and its attorneys are acting in concert with the banks ( XXXX ) in the filing of time barred causes of actions against consumers without properly verifying the debts. We believe by filing these law suits violations the FDCPA by their conduct, in attempting to deceive the courts and trying to take advantage of a unsophisticated debtor by attempting to steal peoples homes, ours included. ( see documents enclosed ) In this second foreclosure attempt, over 8 years past acceleration of the note, we believe this is their last ditch effort to steal our home. Aldridge Pite LLP. has not properly verified the complaint prior to filing a frivolous cause of action into the State courts. In our defense in the State suit, we again answered timely and filed a motion to dismiss. Recently in State court the judge denied our motion and stated he only looks to the plaintiffs XXXX corners of the compliant on a motion to dismiss. Aldridge Pite LLP. and their attorneys have again deceived the court in believing a new default has recurred by stating in their new foreclosure complaint a new default date of XX/XX/XXXX, opposite of the banks first foreclosure attempt years ago on the record in XXXX XXXX, making it appear to the court the re-starting of the 5 year statutes of limitations. Immediately following all this, we filed a Federal lawsuit against XXXX and the law firm Aldridge Pite LLP. and its attorneys ( see Federal suit in XXXX District of Florida XX/XX/XXXX ) for their blatant violations of 15 USC 1692 FDCPA, FCCPA and Florida Deceptive Practices Act. We are approaching discovery in the Federal case. The State case is also still pending and we have just sent interrogatories and production of documents to Aldridge Pite LLP. awaiting their response. We believe the CFPB should look into this law firm Aldridge Pite LLP. XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX Florida XXXX for their Deceptive Practices against the public. In the past XXXX was fined XXXX dollars for illegally falsifying documents and defrauding HUD ( see report dated XX/XX/XXXX ) and the CFPB has also fined XXXX in the past for their egregious conduct against the public. The CFPB should look into this law firm and their deceptive practices that is clearly violating the law in their attempts to deceive the public. Respectfully submitted XXXX XXXX XXXX sr.
I have successfully gain a loan modification now over 6 months with Select Portfolio Servicing ( SPS ) through the assistance with XXXX XXXX Law Offices. I have documentation of the completion of the loan modification process and closing. I have abled my trust and confidence to re-establish creditworthiness with SPS and agreed to the terms of the contract, loan restructure and acknowledgements thereof. SPS states to me after I successfully completed the process only after my inquiry because of my BK filing 8 years ago ( discharged ) that they are not required to report and have no intentions on reporting my monthly payment history according to the current agreement. This was my last conversation I had along with a third party ( XXXX XXXX XXXX ) at Law Offices to speak with SPS authorized to speak on my behalf. I find this to be a major setback, not able to regain and build my credit and it restricts me from my efforts in paying on time and agreed. 
I absolutely love the new loan and the fresh start and feel I 'm getting robbed of the benefit of paying as agreed. I would like resolution for SPS to report my pay history to the bureaus each month according to how I am paying. If this can not be achieved, I am open to other options, ie stated letter every 3 months of my pay history so I can forward to the XXXX credit bureaus so they will be updated.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
i have contacted Trans union more than once probably about 10 letters, last i call them which is very hard to get anyone to answer their number..i question about an indentity theft alerts i saw on my credit report at that time they told no such statement was there and they had removed it..today i received a post card saying they had place by my request..BIG LIE!! i contacted them via phone asking to remove an alert that was place with out my knowledge and permission as identity theft, i was told it was not there again, they had place an alert when i never requested to be put on, which they lied to me they told me it was nwever there, as well, they have refused to removed address that dont belong to me, i never lived on it.
Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 

1. I have requested an ID number & North Carolina Department of Insurance permit number from Credit Acceptance, they have not responded to date. 
2. On all of my statements from Credit Acceptance, I CAN NOT find a permit number referencing Credit Acceptance authorization to collect in North Carolina.

3. Referencing attachment, I certified mailed a letter dated XX/XX/2018 requesting that Credit Acceptance furnish me information about the vehicle. I have not received a response to date. Under the FDCPA & FCRA, all creditors MUST respond within 30 days. The letter was delivered and accepted certified mail by a XXXX XXXX on XX/XX/2018. I have not to date received a response which is a violation under federal laws.
This company call repeatedly and has called my friends, neighbors and family members. I have asked them to stop. They violate privacy laws and give information they have no right to share with others. They have yet to provide me with anything in writing.
I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.
Attempted to sell the property after being transferred out of state in late XX/XX/XXXX ( property in XXXX  ) & ( moved to XXXX  ). Home was not selling fast enough. Requested short sale information. Then in early XX/XX/XXXXreceived an offer. Wells Fargo processor gave me fax information to send in sale paperwork. I faxed personally 2 times & she told me that she did not receive it either time. So, I went to XXXX store for them to fax ( cost {$40.00} ). Again she did not receive it. She said try one more time. Again another {$40.00}! Then she told me that she really can't receive the paperwork via fax. It has to be submitted electronically into their system. So, then I went back to our real estate attorney in XXXX. They submitted into the Wells Fargo system immediately. Shortly thereafter I received word that she did not have enough time to review the paperwork and the offer. So, the offer was dropped. Some weeks later we received a second offer, only to be told that the offer was too high to qualify for short sale & that Wells Fargo was refusing the offer. When I called to ask why my customer service person was very rude. I asked " what do I have to do to get WF to process the paperwork & get the house sold to get it off my plate? ". No response. So, I asked, " do I have to get an attorney involved to get this done? '' He immediately hung up on me. I tried reaching anyone for months, being put on hold for 45 - 80 min at a time ( nearly losing my job because of it ) with no response from anyone at Wells Fargo. I finally gave up. Now both me & my mother have poor credit & IRS issues due to Wells Fargo 's failure to act on either offer for sale & poor customer service. This has now caused me to lose out on several job offers as well as cause my credit card interest rates to be raised & other cards to be closed.
This collection agency has attempted to collect a debt for a goods I never received. I have tried on multiple occasions to resolve this issue with the collection agency and have reached out to the Nebraska Attorney General. I have recently moved to Wisconsin and when I contacted their Attorney General to get assistance with this invalid debt it was brought to my attention that they are not licensed to collect debt in my new state of residency.
Every time I encountered some type of time with hardship. I would never get approved for a payment plan. Because of this, the company would stack on more and more late fees while knowing I was going through a hardship. The company was not fair and understanding of my situation to help. My main concern was always tp try and pay and not to have negative reporting.