WillisBack/dataset-financial-user-claim huggingface dataset:
capital one and XXXX XXXX wa state received community discharge for my spouse ch XXXX bankruptcy XX/XX/XXXX -gave capital one case number and attorney info etching Emailed the bankruptcy dept of capital one including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from XXXX XXXX XXXX XXXX seeking collection of XXXX for one of my capital one accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling XXXX XXXX for collections on XXXX account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXX so I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX
I was charged a fee. American Express charged me a XXXX. I added funds to meet the monthly requirements of XXXX dollars. The problem with the XXXX dollar limit that it does not allow me to add funds of XXXX dollars. It takes days in order to be allowed to deposit more funds into the account. I added fund on the XXXX at XXXX paciffic time when the American Express button had allowed me to add more funds. 
It is not fair that the button feature does not allow any more funding more than XXXX dollars. if the requirement is XXXX dollars per month to reload the account. American Express should not limit the amount to transfer funds to XXXX dollars only. currently the limited is only XXXX dollars to deposit into the account from another bank card. I have tried to ACH money from another account. American Express removed that option from the serve account. I can not get money from my school financial aid into this account because the card has been blocked. I have tried to reload at a XXXX my account is blocked according to XXXX stores I have tried multiple times to get reloads XXXX is not allowing reloads to this account at this time. I have no other option when it comes to funding this account other than reloading from another bank card. American Express should allow the account to be free with out fees if the account is being used and reloaded with in 90 days period of XXXX dollars. 
is that it monthyMy school is not able to add funds for financial aid because the card is blocked. I tried to reload at XXXX and it is blocked. American Express removed. 
My American Express account was charged a fee and requested that American Express customer serivce returns the dollar back to my account. The customer service service tried to return back the dollar charged to my account. The system was not able to return back the dollar charged. 
The XXXX dollar bank card transfer limit makes it complicated to be able to get a full deposit of XXXX dollars. American Express should allow the acception to be able to deposit with in a day more than XXXX dollars.
I am on auto pay and I would like to have more taken out each month so I can get ahead on my loan automatically. Navient does not support this - per their help file " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, '' I feel that is is misleading. Currently to make an extra payment I have to remember to manually do this each month. The only way I could increase my auto payment amount is to change my loan term to a shorter term which is not what I want to do. If I went that route and I ca n't make the revised much larger payment - I am in default and will owe fees. ( I did go that route about 5 years ago for a {$100.00} increase before I understood this would change my loan term. ) This feels intentionally like a way from stopping me from paying my loans early and should be stopped. I also find the details very confusing and for uneducated consumers it really might set them up to fail- they think wow I am doing great paying more each month - only to realize there is no going back to smaller payment terms without going into some sort of alternative payment option, forbearance or hardship.
My debit card was hacked and compromised. Alot of charges that i did not make or authorized where on my account. I filed a claim and bank of america denied  my claim. I have experienced alot of fraud issues since banking with them. I tried to explain my card could have been hacked or compromised in the past while paying and swiping my card at the pump at gas stations
I contacted this company and ask them for proper verification of two accounts on my credit profile one with a balance of $ {$430.00} and one with a balance of {$1000.00} ; this company never sent me a letter and asked me to verify that this debt belongs to me instead they sent me a letter stating that the original creditors verified to them that the name and address is correct, as per the fair credit reporting act section 609 proper proof is hereby requested in the form of the original agreement bearing my signature and Ive yet to receive it ... none of the two balances in the possession of this company belongs to me its been over 60 days since I contacted these collectors,
On XX/XX/XXXX my credit card was supposedly used for 2 cash withdrawals for {$350.00} and {$390.00} in an unknown ATM with the only information being provided by the bank as the financial institution being XXXX with zip code XXXX somewhere in XXXX. I contacted XXXX customer service as soon as I saw the charge on XX/XX/XXXX at XXXX ( XXXX time ) regarding the fact that I had not made those withdrawals. They stated that they would investigate, cancel the credit card, and remove the charges. I asked if they could send me a new credit card to my hotel, since on their website they state " If you need to make purchases or a cash advance, you can receive a temporary card within one business day ( if in U.S. ) and two business days elsewhere. '' but they told me that this was not possible. I was left stranded in XXXX for the remainder of my trip without any type of credit card or money. On XX/XX/XXXX I access my account only to see that the charges where placed back on my account, when I was explicitly told that they would not and that I would not be held liable or accountable for such charges. When I called customer service they state that they consider them as fraud because the chip technology the pin number was used. I have never used such pin number and I have no idea what the pin number is, and even so they still say that they can not do anything regarding these charges. They want me to pay the {$740.00} of charges plus a fee of {$20.00} per cash withdrawal transaction for a total of {$780.00}, when in no moment where these withdrawals made. They have evidence that I have never made a cash withdrawal and yet they expect me to pay for a new cash withdrawal that I supposedly made without any information regarding the bank, ATM, time, or location of the ATM.
I have received a few credit card applications in my XXXX year old 's name XX/XX/XXXX, what do I do? My purse was stolen from my vehicle XXXX including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!
I started using XXXX as a company I deal started using this as the only form of payment. The app work great for the first 2 months. On XXXX18 I was notified that a payment sent to me was returned. I contacted XXXX and talked to several Reps who stated they did not see a problem but would " tweek '' the account. Several hours later I was unable to log into my account. Again, after speaking with several reps I was told I was no longer eligible to use the service. When I inquired as to why was there a problem with my bank account or debit card so that I could try to correct the problem. I was told they could not/would not tell me only that I could not use the app. I was totally surprised as they did not want to help, only cancel my account. This is the only was the company will pay me. They treated me rude and would not tell me why they deleted my account. They also first refused to let me speak to a supervisor. When I finally did speak to one she stated she could not go into detail with me and there was nothing more she would do.?? I was wondering if my account was hacked or compromised, but again she would not tell what the problem was, only that " I '' could not use the app. I have good credit and am financially sound. There are no reasons I know of to be treated this way
charging outrageous fees tried to set up a payment plan but unsire who I am paying they keep harassing me at work calling my cell phone saying they are going to verify my employment. Im trying to fix my credit with a consumer credit services and they do n't want to wait for payment. He be littles me saying I broke the law trying to embarrass me
Dear Sir or Madam : I have confirmation that there was the transaction that between my Checking account ending number in XXXX to the Citibusiness Checking account in the name on XXXX XXXX XXXX XXXX XXXX at XXXX XXXX Branch on XXXX XXXX XXXX. The fund amount was {$50000.00}. However, I have not known the company, XXXX XXXX XXXX XXXX, until I have received the letter from your XXXX, TX, on XXXX XXXX. And I had not received the Personal Loan agreement until I have received the letter from XXXX on XXXX XXXX. In fact, I have a heavy XXXX and I have the Certificate from XXXX agency, and I have received a medication at XXXX medical center, XXXX XXXX ( XXXX ), from XXXX XXXX, XXXX to XXXX XXXX, XXXX. In addition, I have been hospitalized at XXXX XXXX Hospital ( XXXX ) from XXXX XXXX, XXXX to XXXX XXXX, XXXX. And now, I have hospitalized at XXXX XXXX Hospital, XXXX ( XXXX ), from XXXX XXXX, XXXX to XXXX XXXX. My heavy XXXX XXXX was known by many people include XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and the teller. 

I thought your teller, XXXX XXXX XXXX, and XXXX XXXX are friend and XXXX XXXX was a long-standing customer for XXXX XXXX at the time, XXXX XXXX XXXX. I had been called from XXXX XXXX many times and he said that XXXX can make new Business Loan because of my Credit Score and my fund at Citibank and he said that the teller talk XXXX XXXX can make new Business Loan with staying with XXXX. I visit your branch though I did not want to go to your branch. I felt to have already agreed new Business Loan between XXXX XXXX and XXXX XXXX before I visit to your branch. Therefore, I have not explained my personal loan, new CD account, and the transaction for the world. In fact my personal loan for XXXX XXXX 's Business Loan and the transaction had been made within just only five minutes. I think that I could not understand them due to my heavy XXXX XXXX even if they would explain me about them. In addition, I had not received the agreement of the loan and any documents at your branch. These processes were finished for just only five minutes. I have not used PIN code of my Bank card at your branch, I do not know XXXX XXXX 's mailing address, and his company. And I am not friend with XXXX XXXX though XXXX XXXX said XXXX XXXX is a friend with me. There is a possibility of discrimination of XXXX. It would be very big problem if the branch could discriminate my heavy XXXX XXXX.
Called old family members threatened them and advising they Ned to pay XXXX debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail
On XXXX the first I was told I had to do a loan modification to keep my home I was behind 90 days they refused to help me get caught up on XXXX XXXX XXXX I was rushed to the hospital XXXX .so any way then on the not XXXX I was issued a terrible attorney letter from XXXX XXXX XXXX XXXX Indiana then on the XXXX of XXXX I was sued by nationstar from the court I had a case number so I called nationstar so they told me numerous times to diss regulars any letters from the court I was in a loan modification well after another hospital stay and XXXX I went to a XXXX seminar they told me to file a complaint that all these fees XXXX dollars in attorney fees etc is all illegal they are helping me to work this out but I was vey XXXX and have XXXX of equity and these people wants to push me out of my home with my XXXX XXXX XXXX mother I the care of I have filed a complaint XXXX as well Indiana my loan number is XXXX I did n't even want a loan modification then I get a phone call today I have been denied XXXX XXXX XXXX and to keep my home I now need a crazy figure my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am working with the get XXXX program with my state and they are going to help me but they told me to file this complaint beaus why thy di under my loan modification was illegal
I was recently shopping for a pool loan and was referred to Lyon Financial by the pool contractor. I am a mortgage lender so I already knew my credit score and debt ratios before I started to call and get quotes. When I spoke to XXXX XXXX at Lyon I told her my score and was quoted 10.99 % for a 12 year loan and she directed me to the website to apply. After I applied I was notified the next day that I was approved but the rate was 12.99 %. When I asked why I was told due to my credit score. I then asked what my score was and it was exactly what I said when I asked for the quote. All I was told was that she was sorry but there was nothing that could be done. She asked why I was so concerned about a {$37.00} difference in payment. This was a typical bait and switch. I was not quoted a range, I was quoted an EXACT rate with that score. Now I have a credit inquiry that I would have never have done if I was quoted correctly at the beginning. Being that I am a mortgage lender, I just cant stand the fact that unfair lending practices still exist and I would appreciate if the CFBP looked into this.
Citibank dba XXXX charged my credit card {$20.00} for a XXXX XXXX 2017 purchase from merchant XXXX. I did not recognize and formally disputed the charge, specifically asking for a copy of the charge. Citibank XXXX responded with a letter stating that it " had requested a copy of the sales receipt for the disputed transaction from the merchant ... .they have not sent a copy of the charge to us. '' Despite the lack of documentation, Citibank XXXX wrote " we consider this charge to be valid '', offering no proof whatsoever. And, Citibank threatened to " report ( my ) account as past due to the consumer reporting agencies ''. This is collusion between Citibank and XXXX. It is against the public interest for a bank and its credit card subsidiary to seek payment without any documentation of a charge.
I 'm attempting purchase a vehicle. I check the information the car dealer sees on my reports. I 've never heard the information before. He says I 've recently purchased a vehicle that was repossessed three weeks ago. Now I look for the first time in my life. I 've never lived at these addresses nor have I ever seen a credit report before. Please help!
my foreclosure is in 1.5 hours from now. shell point is telling me i did not supply my documents in time. i just emailed the supervisor XXXX proof of an email that i sent everything in on XXXX and again on XXXX and sent in the hud and all other documents in. into XXXX shell point stated they have everything. as in a purchase contract hud offer and all the financials. They had them and in order to order an appraisal for the bank shell point has to have all of the documents. they have them all and an appraisal was conducted. now before this foreclosure auction they tell me we do not have enough time. this is absurd is this because i am XXXX & gt ; this is not fair. i am going to contact legal counsel. this jerk XXXX is literally fighting with my counsel on the phone. please postpone the foreclosure date.
I checked my credit on a free website called   XXXX   XXXX   and i noticed a some negative collection agencies i know nothing about ... Tried contacting agency but so far i havent been able to reach anyone to fix this the issue ...     I have been trying to apply for a bank account and start my credit but since the negative account are on there i have being denied credit ....
After having XXXX in XXXX XXXX, I received numerous medical bills. I paid all the bills I knew about. Sometime between XXXX and XXXX XXXX I received numerous phone calls each day from the same number. The caller would never leave a voicemail for me to determine the purpose. When I answered the call, the caller stated they were from an institution I had not heard of and that I owed money. They would not discuss the debt with me until I confirmed personal information. I requested their company name and phone number so I could confirm who they were and that it was not a scam prior to providing my personal information. They were not cooperative. I did not hear any more about this debt until my credit was pulled for a new home purchase in XXXX XXXX. This was a stagnant account for a year and a half. I was not contacted in any way during this time. Now, after a year and a half, the debt was sent to collections and last week I was finally told this was a legitimate debt and not a clerical error. I want to pay this bill but have not had cooperation with getting the claim off of my credit history once paid due to the communication being poor about the debt initially.
Okay, so short story is, I was in a XXXX XXXX on XX/XX/2017. My car insurance ( XXXX XXXX ) was supposed to pay the hospital and emergency ambulance bill. They paid neither. I found out when my credit score took a 60 point hit when XXXX XXXX XXXX popped up with the ambulance debt to XXXX. This is when I discovered they paid neither bill. I had to pay the hospital bill, and I contacted XXXX XXXX to explain that I was promised all of this was taken care of by the insurance company I had been with for three years. 


The rep, on a recorded line, refused my insistence that this either needed to be sent to my insurance, or my health insurance applied to it. He said it was " 100 % my fault, and I was the only one who would be paying it. '' I refused and told them to contact my health insurance or car insurance, both of which were furnished to XXXX at the time of the accident. I've been called several times since then and they still refuse to accept that I'm not paying the full amount. My health insurance has a deductible for ambulance rides of {$120.00}. If my insurance company lied to me and is refusing to cover the bills I paid extra for them to cover, then my health insurance should have been applied. XXXX XXXX is refusing either and insisting I pay the full amount. My phone line is recorded. I have these conversations.
i am trying to submit a loss mitigation application to fay servicing i keep sending forms they want more i send them they say its not fill out right right i know they are ok i ask them to send another form it takes almost two weeks.the account manager is never available its like they kill time until time to take the house, my wife had a XXXX XXXX in XX/XX/XXXX our daughter gave her th XXXX they both had a few problems after XXXX.and my wife have had XXXX XXXX XXXX since medical bills and medicine was so exspensive i had i had to borrow money on the house which we have been in since XX/XX/XXXX.i got a little behind, we can make payments if only give us a chance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga.XXXX
city bank Na Best Buy XX/XX/2017 and XX/XX/2017 made a hard inquiry which wasn't authorized by me and it is affecting my credit.
I graduated back in XX/XX/XXXX with my XXXX in XXXX. Starting in XX/XX/XXXX I started with the loan that I currently have ( Was once known as XXXX now they are Navient. ) At the time I had no job but had a sum of money in the bank. So in a sense I should have been able to have been given options to replay my debt. They forced me into forbearance since I did n't have a steady income or job. The one I applied for stated that interest would not be charged but my debt increased overtime and now I have applied for forbearance again ( since I was not presented with any other options in my case ) but with interest on top. 
Also - I have received these " statement update '' emails from them. They were extremely vague, so much so that it was n't until nearly XXXX months later in the year of XX/XX/XXXX that I found out I was overdue in payments by XXXX months in which I had no choice but to file for forbearance for. Just recently they started to deduct points from my credit score. What is strange is that they have never done this XXXX XXXX. Actually no info about my loans showed up in my credit score until RECENTLY AFTER I applied for a forbearane with interest on top. In all of the time I have been with them, they never reported, even during the few times that I have let the due date roll by due to very vague emails. 
I also never received phone calls unless it was the above issue. Ever since that has happened, I have had XXXX phone calls, quite a number from them, from other credit services and more. Now I am close to {$70000.00} in debt, in a forbearance that will add even more interest to that amount and simply very confused about my options because now that loan company is getting sued/in the process of it and would like to know my options. I am living check by check while doing freelance work in my field. I am working towards my goal but with this huge debt and the very little options they presented with me, I do n't think I will be able to live at least decently for a while and that scares me. I would like to know my options.
I received a notice actually 3 in one day to collect some kind of court debt. I have no knowledge of any such debt. 
I had a debt with the courts 1 1/2 years ago and have been in constant contact with the court and the judge and we pulled up all cases and resolved them and are on a payment plan until this XX/XX/XXXX at which time the judge ordered it will be paid in full. 
This collection agency is not one that this court even uses and I dont recognize any of the docket numbers from what we had discussed and copy of from the same court. 
So I believe this to be fraudulent. 
I have not called the company because it may be a scam but I have called the courts and left a msg and waiting for a return msg but am confident with all of our records and contact with the judge these do not apply to me at all. It is also not showing on my credit report, nor have I ever received any notice of collections previous to the threatening letters of garnishment I have here.
I kept getting preapproved offers through mail and email. It was based on my credit. I applied for XXXX dollars on XX/XX/XXXX. My payments were {$200.00} monthly, at an annual percentage rate of 32.77 % for 36 months. I needed it for emergency cost for my XXXX year old so I took it. I were making my payments and paid a total of 7 to 8 payments. I ran into hardship and needed a better payment plan so I wouldnt get further behind. I called and was told that a payment wasnt an option. I sent emails but no response and I still owe XXXX. I dont know when it was charged but it is now. My last received payment to them was XX/XX/XXXX. Principal paid on the loan is {$800.00}.
This account looks to have been opened up in my name by my someone that I had given access to my home to babysit my daughter