WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a card with Capital One with the intention of using the card to execute a balance transfer. During the online application process I was asked how much I wanted to transfer and my response was {$10000.00}. Shortly after I was approved for {$3000.00}. 

The next day I called Capital One and spoke to a lady in the applications department. I let her know that if Capital One was unwilling to raise my credit limit, then the card was no use to me. The lady explicitly told me that if I did not activate the card that meant that I had not agreed to the terms of the card and my account would NOT be reported to the credit bureaus. 

After receiving the card in the mail I did NOT activate it. Instead, I called customer service to confirm that if I did not activate the card, nothing would be reported to the credit bureaus. At that point I was informed by XXXX customer service representatives that what the lady had told me was false and that the account, although not activated, would still be reported to the credit bureaus. 

As a result of the false information that was given to me, I will certainly sustain damage to my credit file through a ) a hard inquiry b ) the opening and closing of this account in the same month and c ) a drop in the average age of my accounts, all three of which have a negative impact on my credit. 

Please note I still have not activated the card and have no intention of activating the card unless Capital One is willing to raise my credit limit to {$10000.00}.
The latest Activity date of XX/XX/XXXX which Equifax and XXXX are both reporting is Incorrect. The correct Activity date IS XX/XX/XXXX. The last Activity date for XXXX XXXX XXXX collection agency should reflect is XX/XX/XXXX. Not XX/XX/XXXX. I have disputed this several times by phone and XXXX to no avail. This is detramental to my credit and needs to be rectified.
Problem with Citi Price Rewind program redemption. Bought a TV at XXXX ( {$240.00} ) and found that the price had dropped {$100.00} the next day and local stores quickly sold out. Citi 's " price rewind '' program supposedly offers to reimburse the difference in price when a price drop occurs. I submitted the required materials for the claim, including my purchase receipt and a screenshot of the lower advertised price with the TV in-stock at another store. Citi rep says claim was denied because they could not verify the advertised price over the phone with an store associate. The did not even get a name of the person from the store. 

The submitted screenshot of the lower advertised price was valid and the XXXX associate most likely did not know and/or gave bad info. There is no mention in the T & C 's of this program that a valid advertisement for a lower price needed to be confirmed by a ( nameless ) hourly store associate. 

I have read similar complaints for this card benefit offered though Citibank and wanted to add my story to warn others.
Equifax did not address my concern. The courts did not report any public record information to the CRA, therefore an indirect party, third party, has provided the CRA with this information. They CRA 's credit summary is misleading, as if the a Gov Agency, the judicial system, is the equivalent of a creditor or data furnisher, reporting public records to the CRA, which the court does not. 

Equifax Credit Information Services said : Explanation of closure Please be advised the creditor verified the Judgment case number XXXX correct as reported. Please be advised Judgment case numbers XXXX, XXXX and Bankruptcy case number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you.
I have had a mortgage with Ditech XXXX since XX/XX/XXXX. I paid my mortgage each month using my XXXX. I have never been late or missed a payment. In XX/XX/XXXX, I logged on to my account at Ditech Financial 's website to check my property tax distribution only to find out that my account had been cancelled. I called Ditech Financial 's XXXX number which provided me an automated response informing me my account had been sold and advised me to contact a new XXXX number. I called the XXXX number as advised, and reached XXXX, I spoke to a representative there who advised that Ditech and sold my mortgage to XXXX in XX/XX/XXXX. I did not receive any sort of notice or phone call advising that my account had been sold. Please note that I had been making payments to Ditech after the account had been sold to XXXX. ( XX/XX/XXXX - XX/XX/XXXX ) The representative at XXXX told me that Ditech had forwarded my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to them but not the XX/XX/XXXX payment. I am currently showing delinquent on my XXXX account and have been reported late to the credit reporting agencies. My XX/XX/XXXX payment to Ditech XXXX cleared my credit union account on XXXX/XXXX/XXXX in the amount of {$1400.00} and according to XXXX has not been forwarded on to them. I have now contacted Ditech Financial numerous times to assist me in locating my payment and have been advised that they sent it to XXXX but needed to do further research. It has been almost XXXX weeks since I first contacted Ditech regarding my XX/XX/XXXX payment. In the meantime, I am receiving collection calls almost daily from XXXX and, as I mentioned before, am past due and am getting no where with Ditech.
On XXXX/XXXX/XXXX I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with XXXX Citi representatives in XXXX and XXXX XXXX that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$30.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
To Whom This May Concern, Last year, XX/XX/XXXX XXXX XXXX, I sent a message through my bank 's online contact service to revoke courtesy overdraft to stop being charged overdraft fees ; however, I recently discovered this was never changed on my account. Therefore, I have been charged overdraft fees ongoing YTD, regardless of my request on XX/XX/XXXX, totaling {$800.00} from my financial institution, Commerce Bank. Prior XX/XX/XXXX I was charged {$460.00} in fees, thus propping my decision to revoke the overdraft protection policy. ( XX/XX/XXXX, {$72.00} ; XX/XX/XXXX, {$35.00} ; XX/XX/XXXX, {$70.00} ; XX/XX/XXXX, {$100.00} ; XX/XX/XXXX, {$0.00} )
In reviewing the fraudulent truth in lending statement from Ally Finance, it appears that the lender was receiving kickbacks on the interest rate. Whomever was paying this enormous payment deserves some sort of restitution as Ally really raked them through the coals. Obviously, they did not pull my credit report because I had a fraud alert and freeze. I am wondering if they pulled anyone 's credit or simply stuck a unreasonable rate. They need to be held accountable. They have gotten away with so many dishonest things it 's ridiculous. The truth in lending states there is gap insurance on this automobile. Why would one need gap insurance on a brand new automobile if it were factory to dealer pricing unless the purchase price were jacked up? I am lucky this is not my loan. But whoever did take this deserves to be compensated because Ally totally charges them a massive rate and doubles the price of the vehicle. Who would agree to pay XXXX for a XXXX? you can have a XXXX for that amount of money. Ally financial are crooks and they better remove their fraudulent account from my report. If it is not fraudulent and if you did not know that, why wo n't you produce the documents. Because you know it is fraud. I never made payments to you and here you have quite an extensive payment history, Your reputation definitely has been earned.
I have disputed the collection of XXXX CREDIT ... once investigation was completed the account was deleted XX/XX/XXXX ... ..but account is still reporting on my credit because THEY HAVE REINSERTED IT I am attaching the confirmation letter ... FCRA states I would have to b notified by credit reporting agency before reinstating an acct THEY DID NOT DO THAT AND ARE IN VIOLATION OF THE LAW
History : My mortgage was sold by XXXX XXXX to Ditech Financial in XX/XX/2018. 

Once my account got transferred over to Ditech, I wanted to prepay about 25-30 % of my remaining mortgage for the purpose of saving some interest and re-allocating some of my portfolio to the tune of {$120000.00}. 

I made a few test payments, through Ditech 's bill pay ( {$10000.00} ) as well my Credit Unions bill pay ( {$1000.00} ). It went fine. 

Then I made a bill pay transaction for {$100000.00}, through my Credit Union 's  setup. They mailed a cheque and Ditech cashed it on XX/XX/2018. I had added a memo, " Please apply to Principal '' ). 

To my surprise, only {$9000.00} of the {$100000.00} was applied to my Principal, with the remaining {$100000.00} unaccounted for. 

Multiple calls to Ditech resulted in vague denials/reasons, it probably will happen in a few days to nothing happening so far. 

I'm concerned that this company is committing some kind of fraud with my money. 

Please take action against these guys.
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, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.
I received a letter dated XXXX XXXX, 2016 from Citizens Bank in regards to a deposit discrepancy. The letter stated that Citizens Bank credited my account {$49.00} to correct the discrepancy, however, no details, date, or specific information was provided as an explanation. In fact, the letter was very elusive as to why, when and how the discrepancy was caused or detected at an unnamed later date. I called the number on the letter XXXX asking for an accounting or date and reason for the discrepancy - the issue was escaladed to a supervisor, but no one had any specifics as to why, when or how the discrepancy occurred. I would ask that the CFPB inquire and investigate this discrepancy at Citizens Bank to see if any additional discrepancies are in need of crediting to my and other account and / or other account holders at Citizens Bank.
In XXXX 2017, Capital One unilaterally placed a hold on my checking account due to a suspected security issue. They did not contact me to tell me that they had done this or to resolve the potential security problem. During the time that my account was suspended, I continued to write checks from it because I had no way of knowing that anything was wrong. As a result, 5 checks that I wrote during this period bounced and I incurred a total of {$170.00} of returned-check fees. When I received notice of returned check fees, I called Capital One to find out what was going on, and that was when I was informed for the first time about the account suspension. We resolved the security issue ( it turns out there was n't one ) and they reinstated my account. But Capital One refuses to reimburse me the {$170.00} even though I only incurred these fees because of their actions and their failure to communicate those actions to me. There were more than enough funds in my account to liquidate these checks if Capital One had not frozen my account, and I would not have written checks on the account if Capital One had told me there was an issue with the account.
the following excerpt are from emails from the debt collector : Hello, Sir I think that was rude for you to hang up on me I was only trying to help you good luck. 
XXXX XXXX Account Representative USA Living XXXX XXXX XXXX | XXXX, VA XXXX I did not hang up on you I am in a federal building and I do not get service in my office. 
Respectfully, XXXX XXXX. XXXX, XXXX You are calling me while I am at work also I am on Pacific standard time as I live in California XXXX you understand we have not heard from you since 3 years ago XXXX XXXX Account Representative USA Living XXXX XXXX XXXX | XXXX, VA XXXX I will still have to contact dfas if this is n't paid. 
XXXX XXXX Account Representative if I do n't have the payment back on your account I will have to forward your account back to my legal department to start paper work please respond. 
XXXX XXXX Account Representative
Hello, I contacted this agency earlier this year to assist me in getting my 2017 school taxes paid after my old mortgage servicer, XXXX of Virginia failed to do so. In working with my new servicer, Select Portfolio Servicing , Inc of Utah this was finally accomplished as SPS paid them. 

I recently received an escrow account analysis from SPS. They are claiming that when they received my account from XXXX the escrow account was short. They have raised my mortgage payment XXXX a month. After two phone calls with SPS totaling 90 minutes they are acknowledging that the shortage came from them have to pay the school taxes that XXXX didn't pay. 

Essentially I'm being made to pay those school taxes twice. I asked SPS why they don't go after XXXX for those monies. I was told " that's not what they do. '' I was also told that this is an " unfortunate situation '' How can I be responsible for the taxes XXXX didn't pay when I paid my mortgage every month and those taxes were part of my payment? 

More concerning is where are the monies that should have been used to pay my taxes if XXXX didn't use them to pay my 2017 school taxes. 

Maybe this should be looked at by the State Attorney General 's office. 

I look forward to your response. Thank you.
My loan is not amortizing according to the schedule provided. I talked to XXXX  about this and a rep told me they first apply payments to the interest on the entire loan prior to paying down principal. 

I recently made a {$1500.00} principal paydown and according to the amortization schedule my balance should be {$1600.00}. Instead it is {$2200.00}.
I have begun to receive harassing phone calls from Credex Debt Recovery at work and at my cell phone. They are attempting to collect for an online loan with XXXX. I made a payment arrangement with them and they have not responded. The calls need to stop! although they are currently a licensed lender in California, they are not an honest company to deal with. I tried several times to work with them to pay off the loan without ACH from my account. I get an approval, then this.
Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and Equifax contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.
I was issued a credit due to me by XXXX the refund was sent to a closed Sears cc account. Instead of returning the funds to the issuing company so that they could send me a check, Sears CC sent the funds to a collection agency that they had sold the discharged debt to, XXXX. The debt sold to XXXX was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called XXXX has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
Sears sold the debt to XXXX, who is managed by XXXX XXXX and that they are all under the umbrella of XXXX XXXX. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including Sears and all of other company 's names included as I am not sure which ones are considered collection agencies! Sears sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the Sears account numbers and balances that they collected in XXXX of XXXX.
I had an automobile financed through Meridian Buyers Group, the vehicle was totaled XXXX XXXX, 2016. I  had full coverage insurance at the time with XXXX. It took XXXX months to complete the insurance claim. Payments were still made to Meridian Buyers Group, upon Insurance company contacted to advice payment on vehicle, Meridian did not stop charging me late fee, dings agains my credit, then sent paperwork to XXXX stating the vehicle had been repossessed, but in fact that was not true. XXXX issued payment for vehicle and the Meridian Buyers Group sued me and garnished my wages for {$2800.00}. Its still being reported on my credit as a charge off and I had never been late on the payments. Ive made several attempts to clear this issue up with the office, by phone, by email to the office, then reaching out by mail to the CFO as well as emails to the CEO, CFO with no response. I have also made 2 attempts to speak to the legal team as Meridian refers to them as, with no response. I would greatly appreciate your assistance in this matter. I feel as though I have taken all necessary steps to resolve I would like this investigation to start immediately, as well as my credit restored as it should me.
Purchased XXXX litecoin on XXXX-XXXX-18 Before hitting the button " confirm purchase '' my total was XXXX. 
I have purchased litecoin before from coinbase and received it in minutes. 
After 18 hours of my order still pending I decided to check my bank statement ... 
I was first charged XXXX $ then hours later I was charged another XXXX, and then another charge for XXXX.
XXXX XXXX is a lifelong Iowa resident who has never lived in Virginia, nor traveled over 1,000 miles to shop at one of their local grocery stores. There are no grocery stores of this type in Iowa, and none of the identifying information from this creditor matches any legitimate information. 

Meade and Associates has and continues to violate : 1 ) The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 2 ) The Fair Debt Collection Practices Act, 15 U.S.C.1692
I 've reached out to Wells Fargo to modify my loan. On XXXX XXXX, XXXX, I submitted all of my loan modification paperwork with supporting documentation as was required in order for the non judicial foreclosure scheduled on XXXX XXXX, XXXX to be suspended. 
Unfortunately when I went to the Wells Fargo portal to check my loan modification status on XXXX XXXX, XXXX, it 's showing that the foreclosure sale it still active for XXXX XXXX, XXXX. 
Per the guidelines of any any modification agreements that were executed with security deeds under FHA/HUD and were placed in XXXX XXXX Pools that did not follow XXXX XXXX guidelines prior and current, will be null and void per the regulations of XXXX XXXX Mortgage Backed Securities Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; Article IV - Compliance Program Article VIII - Management Information Systems Article IX - Mortgage Servicing 1 ). I 'm attaching the completed modification packet ; 2 ) .the Amended XXXX OCC Consent Order ; 3 ). Wells Fargo Loan status showing that even though my modification pact was submitted, I 'm still showing the sale is moving forward. 4 ) Verified Affidavit stating that Wells Fargo has no authority to enforce the Security Deed and Note.
I was lay off from my job on XX/XX/2014 making it impossible to pay back a XXXX pay day loan with Checksmart and a $XXXX loan XXXX. I have tried to make arrangements to pay back through an installment plan. Instead I am getting threatening phone calls about being summoned because of fraudulent transactions compromising my social security. I have checked the number that calls and I have read some comments about being a collection agency. The number is XXXX Pleas help me stopping the illegal practice by the collection agency.
I have been watching my credit very closely to make sure it does n't have anything negative I was recently informed of some {$21.00} debt by a company mead and associates I was NEVER notified or given a chance to dispute debt
Reverse mortgage tv advertising offers a free kit that explains options. Free, just call this number. I called and it was Quicken Loans. The person called me back from a non-toll-free number and continued to ask more and more probing questions " need to know this before I can send you the kit '' that included request for next of kin contact and for my social security number. This is verging on criminal. I never did get the promised " free kit '' and now someone I do n't know has a lot of information about my credit and the value of my current residence.
I originally sent EQUIFAX a dispute letter regarding 6 late payments to XXXX on XX/XX/XXXX. ( One letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XX/XX/XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you
Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.