WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX {$25.00} gift card that expires XXXX Starting on XXXX/XXXX/2015 XXXX or it agent partner emptied the funds from the card. Not only did XXXX have the funds to invest when the card was purchased, they " from the consumer perspective '' stole the money off the card before the card expired. This is just wrong and consumer abuse and fraud. 

Card ActivityPrint Friendly View of Page " RP '' indicates Recurring Payments TimeDescription/MerchantStatusAmount XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00}
On XXXX XXXX 2016 I received a notice from CapitalOne " XXXX Credit Card '' about an apparently fraudulent charge of {$880.00} to my account. I confirmed to them ( by phone ) that I was unfamiliar with the company making the charge, and had never had any dealings with them. They assigned a case number : XXXX and sent me a letter acknowledging the problem. I have since had repeated messages on my answering machine from XXXX of their agents stating that they require more information to settle this matter, and instructing me to phone back. XXXX attempts over a period of several days to reach this agent at the phone number he provided have been directed to his voice mail, which claims that he will phone me back. He does n't, and my attempts to reach him are in vain. A protracted conversation yesterday with a customer-service representative resulted in her earnest promises that I would be called back with 18 hours. I have heard nothing since. I am concerned that having no opportunity to provide CapitalOne with whatever information they require about this fraudulent charge will result in their holding me responsible for it. I need someone to prod them into accepting my calls.
my mortgage co reporting an error of reporting 30 days late for XX/XX/2017 payment which never happened and the payment was made on time but equifax/ mortgage co did not correct the error after several reminders. 

mortgage co is : XXXX XXXX XXXX XXXX LOAN # XXXX
I have an auto-payment set up with Capital One bank, for one of my credit cards. This month, they did not take out the full minimum payment, and they charged me a late fee on the date that the payment way due, right after the payment was made ( {$100.00} instead of {$150.00} ). I was never notified of this, and only found out by happening to log into the website, to get the current amount on the card, while balancing my budget. 

After calling Capital One I am told that their policy is to not notify customers of issues with accounts until the statement comes out. The problem is that the statement comes out 4 days after the due date, and the fees are added on the due date. This makes it near impossible to correct any issues on time, when they need to be corrected.
I had service with   XXXX    XXXX  and I stopped paying because I wanted to cancel my service and they were not willing to cancel my service. So, before  XXXX  I stopped paying. I did not pay any service to  XXXX   XXXX  ; so, basically that would be called the delinquency date. I found out that I had a collection with a delinquency date of  XXXX ,  XXXX  which I dispute since that delinquency is not correct because I stopped paying before  XXXX .     Perfection Collection responded by "  XXXX , The delinquency date we were provided when we purchased the account is  XX/XX/XXXX . We are willing to settle this account for 50 % of the balance owed. Once settled, we will delete this account from the credit bureaus in it 's entirety. '' So basically they are saying that they purchased the account and the delinquency date is  XX/XX/XXXX . So they say they are not responsible for providing a false delinquency date. This is not acceptable
I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX   nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
On XXXX XXXX, 2015 I made a purchase on XXXX. I went through paypal to make the payment with my credit card on file. On XXXX XXXX, 2015 I received a notice that paypal had ran a credit check on me which I did not request or authorize. On XXXX XXXX I received an email from Paypal Credit saying that they had approved a credit line for me for {$1200.00} Again, I never knowingly applied for a credit line. Why would apply for a credit line for a {$38.00} purchase that I could use my credit card for? I called paypal through XXXX to report fraud today, XXXX XXXX and paypal told me it was for my purchase on toyrus.com and they would immediately close my account. They claimed that I would 've had to go through the process of filling out an application for an account which I never did. I still have to go through the process of paying the balance because they would not take credit card payment, they would only take a bank account payment so I have to wait for them to send me a paper statement.
AMENDED CONSUMER COMPLAINT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX NV XXXX just mail me a copy of my credit report snapshot which i did not requested i have mailed certify latter that they violate federal Law releasing my credit report with out my consent they need to pay the damages described by federal code regulation sharing my credit file with 3 parity for profit with my aware about with out my consent with out my signature it is absolutely a violation of federal statue i lost my credit score i lost my job i have additional hard inquires in my credit file which drop my score from XXXX to XXXX. i want CFPB to admit my complaint on my behalf in federal court in Washington and let the court make decision on it. thank you.my credit report was requested by XXXX county State of Nevada with out my consent Family support Services Division took loan on my behalf under my social security with my consent with my knowledge with out my signature it is Fraud by county and State of Nevada it is punished able by federal law i was those people held accountable for wrong doing by checking my credit with telling me with my consent i there making threat against my false arrest to put me in jail they where sending me lattes to revoke/ cancelled my driver license which i need to drive to go religion places for my religious pick up my kids from school i have to pay them because they where threatening to revoke my lic i did not have food in my house to feed my kids because i lost my job because of this problem i did not have job i have no paycheck because i am XXXX person my XXXX on appeal that loan they took on my name need to e removed that loan account status should be removed from my credit file and status should be paid in full or never happen. 


XXXX XXXX. 

Regards.
I had a gym membership with XXXX XXXX handling the financial deductions from my account. I canceled the membership according to their requirements and had an email from them stating I had met requirements, and it stated the last day that money would be taken from my account. They continued to deduct for two months after that. I had my bank stop payments and it was reversed. The company again took XXXX dollars from my account the next month. I had sent numerous emails to this company and talked to them on different occasions. I then had correspondence from the company telling me I did not meet the requirements to cancel. I sent approximately 30 emails with proof of my requirements to cancel in addition to what I previously had sent them. They sent a different email that changes their requirements to cancel. It had changed from the previous one. I sent them a copy of the original and circled it for them!! I also filled complaint with XXXX And talked directly to the gym. I finally got an e-mail from XXXX that it was resolved and nothing further was needed. Then after my bank had reimbursed XXXX dollars, it was reversed and disputed by XXXX and they got that money back!! So they still owe me {$120.00} dollars. This practice from this company has continued for too long. XXXX knew exactly which company it was before I told them.
In XX/XX/XXXX, I received a mailed notice from Elan, who had taken over my credit cards from the prior company that had jurisdiction over them This notice informed me that Elan would be nearly doubling my interest rate on the credit card ( s ). The notice did not indicate any justification or reason whatsoever as to why this was happening. Considering that I was a loyal customer with the specific credit cards in question and had a good payment history, this was unacceptable. Per the instructions on the notification, I mailed a signed letter to the address provided that prohibited Elan from raising the interest rates on any credit cards that I may have with them. The deadline was for a date in XX/XX/XXXX. I mailed my notice on XX/XX/XXXX. When I received my statement for the XX/XX/XXXX due date that year, I immediately noticed that Elan had blatantly disregarded my letter and had had raised the interest rate anyway. I immediately informed the company of my letter and they stated they had not received it. Even though I was informing them over the phone right then and there that the notice had been sent per their instructions, they blatantly refused to acknowledge my concerns and, instead of taking any kind of appropriate action, continued to charge me the higher interest rate. In addition, despite what Elan believes, they are charging me the higher interest rate for the ENTIRE balance, not just from any purchases that were made after XX/XX/XXXX which is what they claim. This caused my minimum amount due to skyrocket, essentially preventing me from making my payments. This was irrelevant any way, as I had never authorized the increased interest rate percentage in the first place. I mailed the same date notice to them again in XX/XX/XXXX, but they still claim to have never received it and never took any action. I continued to make good faith payments and did several follow ups but no one at Elan resolved the situation, so after over a year of this, payment ceased until Elan properly resolved the issue. They were infromed of this by phone multiple times. In early XX/XX/XXXX I spoke to supervisor in their escalation department who identified herself as XXXX. On the same day I spoke with her, I FAXED my letter to her directly at her request and have a receipt of this fax that shows that Elan successfully did receive it. She informed me that she would finally resolve these issues and would be contacting me on the following Tuesday to confirm that she had taken action and resolved all issues to MY SATISFACTION. Not only did I never receive a call or any type of contact whatsoever by the agreed upon date, but when I called the escalation department back and asked to speak with XXXX, the male representative laughed and hung up. These calls are on record with my phone provider as evidence.
According to the current servicing company XXXX XXXX XXXX XXXX, JPMorgan Chase Bank, charged my mortgage account a total of {$300.00} in fees called " corporate advance fees ''. Chase charged me XXXX almost everyday. I dont know why and they are lying about it. First they said it was a legal fee. Now they say it's for inspection fee for everyday for two years. My property was never in foreclosure with Chase. And they are taking advantage of hard working people. They bank are hurting people by stealing from us with unjustified fees. They do it little by little hoping people don't recognize their actions. Why was I charged these fees that XXXX XXXX XXXX XXXX forced me to pay. Chase and XXXX XXXX XXXX XXXX  are not working for the people. Their consumer are investor not working people. They are stealing money from us through illegal fees. Please help!! 
Give us our money back.
THIS CREDITOR IS REPORTING ON MY CREDIT REPORT I HAD A LOAN FROM THEM IN XXXX SC LOCATION. I HAVE NEVER HAD ACCOUNT IN XXXX SC. I ALSO DISPUTED THIS DEBT AND THEY FAIL TO REPORT IT AS DISPUTED TO CREDIT BUREAUS AND REPORTING INACCURATE INFORMATION WHICH IS AGAINST THE LAW. ACCORD TO FCRA SECTION XXXX. THEY HAVE NOT VALIDATED THIS DEBT!!
I opened a checking account so I could receive my social security by direct deposit, and also collect rent from some of my leasers. I opened the account and deposited an initial {$25.00}, as well as collected rent of {$500.00}. 

Chase decided to close my account and now I'm out {$550.00}. They need to send me my money to the bank account with a rational banking institution and not what ever Chase thinks is right.
I have been enrolled in an Income Driven Repayment plan for over 10 years and submitted to have my payments assessed to confirm they qualified for the Public Service Loan Forgiveness program. I originally submitted the certification form in XX/XX/XXXX. XXXX XXXX determined that 0 payments qualified from XX/XX/XXXX to XX/XX/XXXX ( payments should have started counting in XX/XX/XXXX ) without providing any reason or documentation as to why not. I called customer service on XX/XX/XXXX to try and determine why the previous 8 years of payments would not qualify despite being on an IBR plan, making auto-payments ( on time ), and working full time for XXXX XXXX the entire time. After being transferred to a supervisor, he appeared to agree with me ( though could not confirm directly to me ) that the previous payments should be qualifying. He said he would put in a new request to review and make a note of what he thought and to a note to try and expedite the process. I have called periodically with customer service not being able to provide any updates on the status of that review. It is now XX/XX/XXXX, 9 months later, and well past the the original estimated 45 days to get any sort of rationale as to why those payments shouldn't count. With the introduction of the Temporary Expanded PSLF program there is a possibility I could apply for forgiveness as early as next month but I still don't know the status of the payments I've made.
Our current mortgage was with XXXX XXXX. We received a letter stating our mortgage loan was sold to BSI Financial services. XXXX XXXX informed us within the 15 days our loan was being sold to XXXX XXXX. XXXX XXXX would start servicing our loan XX/XX/2018. It is now XX/XX/2018 and we have not received any type of letter informing us that they are our new servicer. 
A gentleman has called us but he only asked us what was our plans pertaining to the house. ( yes, we our behind on our mortgage but filing bankruptcy with plans to keep the house ) I asked him where our introductory letter was as that is required by law? No response. XXXX has failed to follow the law in regards to the sale/transfer of a mortgage. 
Please inform myself what my rights are under the law and who I contact to pursue action against XXXX. Such as what type of attorney ( real estate attorney etc.. ) As I plan to pursue to the fullest extent of the law. 
XXXX XXXX XXXX
I would like to file a complaint against Wal-Mart credit card, I have had their card for the past 4 years and they recently reduced my credit to {$180.00}, when i called their company they told me that it was because they re-ran my credit and that is what I was re-evaluated. The lady couldn't give me an explanation and kept referring to a letter that she would mail. Even though I have been paying my credit card every month including their incredibly high late fees and had established credit with them they still didn't budge. I told them that what they did was redundant since I had stopped using my card to increase my credit-income ratio to have a positive impact on my credit but now it shows that I'm still using 98 % of my available balance which of course will decrease my credit score.  The lady was just silent and was not helpful at all. I feel that this systematic decrease of credit and it having a negative impact on my credit score was done  deliberately so they can then claim that my credit score was why they  decreased my credit limit, regardless of the history I've had with them.
Basically, I have XXXX balance on my card believe I may be the victim of stolen identity. 
I tried twice on or before XXXX/XXXX/16 I called Bank Of America, and had already sent them a check for XXXX they claim it was returned. XXXX XXXX has no record of this transaction. Bank Of America claims that the check was returned by my bank ( XXXX ) However, XXXX XXXX according to XXXX as of XXXX, today has no record of such. No returned check or even an attempt made to pay this rather large and noticeable amount. On XXXX/XXXX/16 I called BOA and gave them a payment of XXXX from my debit card.. The confirmation number given to me is XXXX. Still there is no record of payment. My bank XXXX XXXX XXXX XXXX has informed me that neither of these payments have even been submitted. 
Something is fishy Bank of America has gone so far as to charge fees for XXXX of these payments being returned. Neither payment had been returned according to XXXX XXXX I have an XXXX check missing as well as XXXX debit card payment which is missing I question whether or not I made these credit card purchases and respectfully request full disclosure of all records of this account as it seems I may be in fact a victim of identity theft.
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank You
I was issued a Citibank Costco Visa card in early XXXX 2016. The first statement of the new card closed on XXXX XXXX, 2016, following the transition from XXXX. Owing to the fact that my account was linked to my bank account through XXXX, no payment was made on a balance of approximately {$760.00}. Two days after statement closing, I received a phone call from Citi collections in which my credit rating was threatened and specific statements were made about delinquency. I subsequently paid the outstanding balance on the account. The following day, without my permission, Citibank closed my account - despite the presence of approximately {$68.00} in cash rewards outstanding. Once again - no request to cancel the account was made. 

Subsequently, I have requested the account to be reopened on two separate occasions. In fact, I received a call from Citi indicating that the progress was slow and they wanted me to file another request. I am disappointed in the fact that a representative closed an account without my permission and the overall poor service I have received.
On XX/XX/2018 I disputed several items on my credit report through Transunion credit bureau. These accounts I have no affiliation/business. And have no contract with said collection agencies. There has been no contact between me and TransUnion to give explanation why removals were completed at this time. The 30 days has lapsed for said accounts with TransUnion. And contract with collections agency doesn't exist according to the FCRA. 
1. XXXX XXXX ( for the amount of {$410.00} ) 2. XXXX XXXX ( for the amount of {$680.00} ) 3. XXXX XXXX XXXXXXXX ( for the amount of XXXX ) 4. XXXX XXXX XXXX ( for the amount of {$150.00} ) I am requesting that these items are removed from my credit report immediately with letter to follow.
I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. Transunion, XXXX  and XXXX  continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.
On XX/XX/XXXX I discovered after a conversation with my ex-husband XXXX XXXX   that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XX/XX/XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue.

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff.

I am XXXX yo grandmother and it shows I only have had credit for four years!

It is damaging my score due to lack of credit information. XXXX XXXX no longer exists so there is no way for me to contact them directly.

Need this to report on my credit file. They report bad but don't want to report good when its old.
On XX/XX/XXXX I was approved for a loan in the amount of {$700.00} from XXXX  XXXX XXXX dba XXXX XXXX XXXX. The loan payment is extraordinarily high ( 713.74 % ) but I was desperate for funds. I have made payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and then {$130.00} on XX/XX/XXXX, {$120.00} on XXXX and {$120.00} on XX/XX/XXXX. 

I have discovered that this company is not legal in CT therefore I should not be paying these fees. I have overpaid them {$510.00} and refuse to pay them anymore. 

I want to warn others from getting involved.
XXXX  XXXX XXXX has violated the Debtors confirmed Bankruptcy Plan Docket XXXX in Case XXXX XXXX. XXXX  XXXX XXXX proceeded with the violations until the loan was transferred to the new service company Ocwen Loan Servicing LLC on XX/XX/XXXX. Due to XXXX XXXX XXXX negligents XXXX XXXX XXXX transferred incorrect documentation to Ocwen Loan Servicing Llc See Exhibit J. Ocwen then proceeded because of XXXX  XXXX XXXX negligent trying to collect discharged debt from XXXX XXXX. Mr XXXX XXXX contacted Ocwen after receiving the ( RESPA ) loan servicing transfer and noticing more errors on the loan and contacted Ocwen pleading for Ocwen to rectify the incorrect loan information only to be ignored by the loan servicing company over the phone and by fax this was a violation of the CFPB 1005.11 Procedures for resolving errors. Mr XXXX stay on course and determined to correct the loan forcing Ocwen to correct the issue by contacting the CFPB Consumer Financial Protection Bureau and filing serval complaints over a 12 month period. Ocwen did not responded to any of the CFPB complaints acknowledging the error of the negelinece of the pervious loan service company XXXX  XXXX XXXX but did adjust the loan in XX/XX/XXXX to match the agreed reaffirmation agreement. Ocwen then proceeded to file a foreclosure on XXXX XXXX because the loan was behind on payments due to the incorrect data provided by XXXX   XXXX XXXX. This action by Ocwen not pursuing any loss mitigation against XXXX XXXX XXXX was complete neglect of the debtors right.