WillisBack/dataset-financial-user-claim huggingface dataset:
I had a Capital One credit card account which was paid off around XXXX 2014. I recently contacted Capital one credit department and they send me a letter stating that my account was paid off in full. Today I received a court summary stating I'am being sued by Capital One for around {$1700.00}
On XXXX XXXX I made arrangements with loan Tower Loan Of XXXX XXXX to pay {$110.00} which is 30 days past due and current months payment on XXXX XXXX. I was contacted by a family member and friends XXXX minutes prior to my arrival home from work and advised that a female employee from Tower Loan of XXXX XXXX in white car was looking for me and waiting for me at my residence with an envelope. Upon arrival at my home the female had left and I was given an envelope she had left with a friend. This envelope contained a letter dated XXXX XXXX stating I am " delinquent in amount of {$310.00} which includes late charges and other fees ''. And, that " if I have not made satisfactory arrangements by XXXX XXXX, my account may be referred for legal action, including having a lawsuit being filed against " me. The letter further states, " In order to avoid legal action being taken against you, please contact me IMMEDIATELY. " Sincerely, Tower Loan of XXXX XXXX XXXX by : XXXX, Manager.
Capital One - 1 ) Refused to give me credit for the rewards dollars I accumulated on their credit card. 
2 ) Refusing to close my account twice even with a zero balance I opened a credit card account with Capital One earlier this year. The magnetic strip on my card stopped working so I requested a new one. During this time we moved to a new address for the first time in 28 years. They suspended my account and asked for all sorts of written documentation to be faxed to them. It would have been difficult to locate, given our move, and I would have had to travel some distance to a XXXX office to fax it, so I refused. I asked them to close my account and credit me for the {$120.00} of cash rewards I had accumulated. They refused. They made me pay my account in full without using my credits saying it was because they had suspended my account, so I 'm out the {$120.00}. Then they never closed my account as I requested despite having a XXXX balance. I just made a second attempt to close the account, was on the line for 30 minutes, and then they refused to do so until an investigator finished " investigating the account. '' I told them I was making notes of the conversation for this complaint and they hung up on me because of that. OK for them to record calls for training purposes, not OK for a customer to make notes of a call. I will now monitor my credit reports closely as well.
I have on several occasions requested that the credit agency remove the Bankruptcy listing on my credit file and they have not complied, The filing is not verifiable through the bankruptcy court that they are listing as were they did the verification. I have two letters from the U. S Bankruptcy court in XXXX Md. that states that they do not supply any information with the credit reporting agencies which means that they are not telling the truth about verifying this account, The FCRA says that if they are not able to verify an account then it must be removed and they refuse to do so. I am writing to you to have you do what your company was established for which is to protect the consumer against the big corporations and act as the legal representation, I have attached the copies of the letters from the bankruptcy court and the credit bureau will refuse to investigate this account even with you requesting verification. They will say that this has been investigated and verified as accurate and request more information to start another investigation so I am asking that they verify the DISCHARGE date of the Bankruptcy which it does n't have one so once again they will not be able to verify the account and by law have to remove it. Please do n't let them get away with bullying the consumers based on there not wanting to actually verify this information by calling the courts and providing me with the name and phone number and verification procedures as required per FCRA 611 ( a ) ( 1 ) ( a ) ( c ) / ( 5 ) ( A ) ( i ) / ( 6 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) / ( 7 ). I am hoping that your agency does what they were created to do  and have this account removed from my file immediately. The above referenced FCRA subsections explain the procedures for verification of an account and how they are required to provide the name and phone number of the person they verified this account with.
Bayview Financial Loan Servicing is a predator debt collector. 
An unsecured SBA disaster relief loan was paid in full in XXXX. In XXXX of XXXX I received a re-instatement letter from Bayview Financial Loan Servicing for a commercial loan for a property with no address in XXXX ( I have never lived, worked or owned anything in XXXX ). and there was {$240.00} delinquent on the loan. I called the SBA loan dept and they told me the loan was paid in full with no outstanding balance. I explained that to Bayview Financial who in turn placed a charge off on credit report and repeatedly refused to remove it. Now as I am trying to refinance my house and I can not with this derogatory issue on my credit report - it states it is a real estate charge off. When I called again to dispute it, the supervisor at Bayview stated they now have found another new charge off for the same loan with a new amount of {$590.00} that will now be reported to the credit bureaus. The credit bureaus report whatever is given to them no matter how incorrect or wrong it is. This is absolute extortion and Bayview has no one to account to.
UHEAA has failed to provide income sensitive/income driven repayment plan request forms to me after several requests. Over the past 2 years I was  XXXX   XXXX , and have been unable to make the requested payments on my student loans. UHEAA has not provided requested assistance to have applicable forms sent to me vi a USPS. I  do not have a printer or a fax machine, and after the threat of having my account default and sent to collections, I had to spend money that was reserved for groceries and utility bills to have The UPS Store print forms out for me. When I visited UHEAA 's website to obtain the forms I needed, the links they provide on their website to access their forms section are broken and lead nowhere. After finally accessing the forms section and printing the documents I needed, I attempted to submit my forms via fax, only to find the fax number printed on their forms ( (  XXXX   )   XXXX  ) is an invalid number. I called UHEAA to obtain the correct fax number, reached a pre-recorded message that listed their fax number  as (   XXXX   )   XXXX  ... which is also invalid! This number is an actual PHONE number. I called UHEAA to complain about this, and was told by the customer service rep that their actual fax number is  (   XXXX   )   XXXX . I was told by the rep that she receives multiple complaints about this daily ... .yet they do not correct this issue. I took the risk of submitting my forms via email, which I understand is not recommended due to the sensitivity of the information contained on these forms, because I do not trust this company and want my communications with them to be documented from now on. This company appears to be crooked and it is unfair to make it nearly impossible for someone with the inability to repay their student loans to be placed on an appropriate repayment plan.
Since the XX/XX/2016, I have been in the process of submitting documentation to Ditech Financial for loan # XXXX for the purposes of a new revised loan via HARP or HAMP guidelines. On XXXX XXXX, 2016, Ditech asked for and received on XXXX XXXX, 2016 ten different documentation Items. One of these were rental agreements that I am a partner in. I have not received any further notice about my loan status until today when I received in essence a refusal letter. I am outraged at this lack of communication and want to bring this to your attention as I have been very patient. The current loan indexes into a 20 year amortization and will increase the mortgage by XXXX. This indexing was never explained to me many years ago. I am now retired and can not afford this. My payment record with Ditech is impeccable but I fear this will not continue upon indexing. Lastly, I mistakenly sent them my lease copies and have spoke to XXXX, at XXXX, ext XXXX, about getting copies returned to me. I even offered to have them picked up, I was refused. I spoke to XXXX at the same # ext XXXX, he assured me he would take care of it, still no copies. I then spoke to their supervisor XXXX on XXXX XXXX. Again, I was assured the copies would be mailed out to me on the XXXX. Still no copies.
I recently pulled my credit report as of result of this I noticed I had this collection account with XXXX XXXX XXXX I  initiated a dispute with a XXXX dispute letter because the account does not belong to me and I was n't aware of this account I requested them to present me with a copy of bonding contract signed by me to which they replied to me by mail with six pages of paper page one stating the debt was valid, second page is a welcome too XXXX XXXX XXXX XXXX letter, third instructions to register the account online, fourth page Electricity Facts Label form, fifth page Disclosure Chart, sixth page thirteen state language form. None of forms provided as evidence are valid, I have also looked the company up in the Texas Secretary of State website and this company does not have the proper bonds and license to collect debt in the State of Texas. I am officially complaining about them and request this collection debt from their company to be removed from my credit immediately. Thank you, XXXX XXXX XXXX
AES uses predatory financing to extract as much from their customers as possible. The website logs you out to prevent you from navigating and potentially solving issues. Additional payments to loans beyond the minimum payment are not applied directly towards the highest interest rate loan. I spoke to their representatives and they said they would do that for me. The next billing cycle showed not a single dollar had been paid in addition to the minimum on the highest rate interest loan, making sure that AES made as much money off me as possible. The next representative claimed their system was incapable doing this automatically ( XXXX had no issues doing this when my loans were owned by them ). I then requested to cancel the additional portion of direct debit so i could manually apply extra funds to a specific loan each month, both via phone and via the website. Instead the entire direct debit was cancelled, thus removing my .25 % interest rate bonus for 2 months. The next representative claimed the system could not take less time to set up automatic payments. Everything this company does is meant to harm the consumer.
Cavarly Portfolio Services sued me whereI did not live or sign for the debt after they bought it from a bad debt list the original creditor wrote the debt off and the first collection agency XXXX wrote it off in bankruptcy. I became aware of this when I served both the default judgement and the notice of hearing at the same time in XX/XX/XXXX. I made my last payment on the car in XX/XX/XXXX. I did n't know I could sue at this time and so I did nothing. Since they have had the default judgment they have violated my FDCPA an additional three times. They seized all of my mothers social security funds from her bank account around {$900.00} in order to get it back she had to pay around {$150.00} to get an attorney to fix it. Cavarly claimed because my name was listed as payable upon death that they thought the account was mine even though the XXXX XXXX XXXX advised them otherwise. Then later on I had a account at XXXX XXXX XXXX one day it was just negative {$50.00} because they had seized all of my direct deposit paycheck from the day before and the bank charged me for the transaction. Still unaware of my options without talking to an attorney I believed it was over with in XX/XX/XXXX when the scarlet letter I wore on my public records for my credit report listed with case number XXXX default civil judgement for {$7000.00} fell off my report. No they were not done I sent them a letter regarding my rights under FDCPA and that they had violated several times. The statue of limitations had come and gone XXXX times. I advised them not to contact me or I would be sueing them for all of the violations. I received a generic letter from a new attorney in XX/XX/XXXX letting me know that they were taking over the collection of my debt from Cavarly. I am in the process of selling my home and the title is clouded something I was never served papers on even though all of the legal filings thus far had been in XXXX County where I had resided once temporarily for six months. I lived in XXXX County for two years when they say I was sewer served about lawsuit in XXXX County. However they filed the lein on my home in XXXX County of course not even that could be done without adding and inflating the amount of the judgement by {$7500.00} in interest they are claiming on a {$7000.00} debt that they were never intitled to collect on in the first place.
In the last few days ( XX/XX/XXXX through XX/XX/XXXX ) we have gotten 5 calls from a number identified on the caller id as citibank:XXXX. The caller asks to speak to my father, an elserly gentleman. When pressed as to what the call regards we are told he owes {$500.00}, or the caller hangs up. He owes no such amount nor does he have an account with citibank. I am reporting this because the calls are a nuisance and harassing. We wish to report this phone number as a scam. 
Thank you.
I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. PNC has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges PNC is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew PNC would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against PNC now using this CFPB service. They still have not done anything. I have not seen any proof that any of those charges were mine ever since they occurred back in 2015. All the charges on the account, I have not even seen statements, hence I do not recognize any of the charges on this account at all. It has been a year and a half almost two years, and I have not seen credits. The policy of the card is such that if the customer does not recognize charges, PNC provides credits, and PNC still has not done so ...
The branch office filing lawsuits in magistrate court to collect on accounts that are 60 days past due. This is a breach of contract. I went to court on XX/XX/XXXX then 5 days letter I received a letter dated XX/XX/XXXX letting me know that my account had been transferred to the collection the department. Due to the fact that the branch office was claiming a payoff higher then my balance I have to appeal the judgement by the court. They are taking all customers to court to collect higher payoff then what is owed.
XXXX transferred my loan to Specialized Loan Servicing ( SLS ) in XX/XX/XXXX. A mistake was made in regard to my account by XXXX at that time. The issue is that prior to XXXX passing my loan to SLS in XX/XX/XXXX, XXXX paid {$1400.00} in county taxes out of my escrow account thus sending my loan to SLS with a negative escrow of - {$990.00}. However, my county taxes were not paid, XXXX paid the wrong amount to the wrong account. My county taxes are {$560.00} and were paid by SLS in XX/XX/XXXX ( along with a {$25.00} late penalty ) after I alerted them to the fact that my county taxes were not paid. In the meantime, I have received a notice from SLS saying I owe {$1700.00} in escrow shortage and my mortgage is being raised by {$150.00} a month. The problem is that I do not owe this money. The escrow shortage was caused by a mistake on XXXX part and by a complete lack of due diligence and follow-up from both XXXX and of SLS. <P/>I have sent two letters to SLS, one letter to to XXXX and two certified letters to both LoanCare and SLS. The letters detailed what happened and I proved CLEAR documentation of the issue. I have also made numerous phone calls to both companies. SLS keeps saying there is nothing they can do and " it 's my problem '' and they sent me a letter to that effect. XXXX keeps saying they " are looking into in. '' Additionally, XXXX has advised me on several calls that they will be calling me tomorrow but they do n't call. It is now XX/XX/XXXX and this has been going on since XX/XX/XXXX. SLS has been absolutely no help at all. Had SLS even bothered to check the numbers on my account at the time of transfer, they would have realized that XXXX had made a mistake. And even with proof that a mistake has occured, SLS says they can and will do nothing.
TD/TARGET ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TD/TARGET or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TD/TARGET or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
This company charged me a usury interest rate of over 400 % in which I was not aware of, their collection agency has consistently harrassed me, after I, have told them to stop ... because my XXXX year old wife if  sick. I told them that the usury interest rate of 400 % is illegal and to remove their name from my credit report for this illegal activity..Their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, KS XXXX Phone XXXX Fax XXXX
XXXX XXXX calls me up to 10 times a day. I have missed one payment and they harass me constantly and leave me voicemails and call me over and over again within 15 minutes of each call morning and night and they leave numerous voicemails despite me telling them I am a student and have no job at the moment and will pay the bill as soon as I can. They wake me up in the mornings from my sleep and when I am trying to go to bed at night. They are causing me great stress and the continuous harassment is not making anything better. Their calls interrupt my studying and Im trying to get my XXXX XXXX XXXX so I can start making money. Continuous calls and voicemails every single hour at every hour of the day is not accomplishing anything. If I answered the phone each time they called I would just be on the phone the entire day. Wouldnt be able to apply for jobs wouldnt be able to study or eat. I would just be the phone all day. Their continuous calls is not putting money into my account to pay the {$40.00} minimum I owe every month. This seems very excessive and it is causing me mental duress.
EquiFax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not on my credit report
I opened two lines of credit with Capital One in 2015 ... those were indeed mine ... A few months later I found out that someone else used my information with a different social security number to open another one. I contacted Capital One to inform them of this and they refused to remove it from my credit history, instead they added another social security number to my credit report which I have never been associated with!!! I am now being harassed my debt collectors with regard to a card that I never applied for. My information was one of the many that was compromised when these companies were hacked and this needs to be fixed.