WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One failed to deliver my bill to the correct address, resulting in a missed payment. As soon as I discovered the issue, I immediately paid my balance in full and contacted Capital One by telephone. Capital One acknowledged that the error was on their end and agreed to promptly reverse all resulting late fees and interest charges. Nevertheless, Capital One subsequently reported negative information about the late payment to the credit reporting agencies. 

I initially disputed this information with XXXX and no action was taken for well over a year. When I followed up again, Capital One purportedly confirmed that the information was correct. I then complained directly to Capital One via email. After receiving a generic response letter I responded with my own letter explaining the situation to them once again, and attaching the billing statement reflecting Capital One 's reversal of interest charges and late fees following Capital One 's telephone acknowledgement that the error was theirs ( attached ). Nevertheless, Capital One has refused to correct the credit reporting error. Capital One 's derogatory report is the only negative mark on my otherwise perfect credit record.
I was contacted by XXXX XXXX. She stated I had a debt with XXXX XXXX XXXX, for a loan I took out online in XXXX. I told her I do n't remember taking out a loan during that time and asked her to mail me a copy of the paperwork. She stated she can email me but can not mail it because it force a wage garnishment against me. She emailed me the paperwork on XXXX/XXXX/XXXX and I pulled my credit report. This company is not on my credit report and I called XXXX today and made a dispute about this bill and she informed the bill has gone back to the original creditor. I told her I wanted the paperwork mailed to me and she claim she will. I do not owe this debt nor have I taken out a loan with company. Also, on the email link she sent me, another name was on the email, Rosen Management Services. I do n't know who they are either. It is scary how they received my personal information.
Midland Credit Management Inc. ( " MCM '' ) never responded to my XXXX XXXX, 2012 letter requesting verification of the underlying XXXX XXXX Bank debt. Also, no notice of my right to dispute this debt was ever communicated to me. Finally, as this debt was deemed fraudulent by XXXX XXXX Bank, MCM refuses to refund the payment that was made to prevent this fraudulent debt from ruining my credit score.
I went to XXXX XXXX COLLEGE in XX/XX/XXXX. I received FAFSA and they handed me a refund check. Sometime later, they stated they refunded me the incorrect amount. I asked them what was the amount due back to them ( I can't even remember now, but i know it was around $ XXXX-XXXX ) and I was unable to pay them back as I was a broke college student. Months later, I saw they sent to me collections for {$1200.00}. I was very upset, so I called them to let them know that the amount was incorrect and that was FALSE reporting. The woman on the phone said they will remove it once my debt was paid, I told them to correct the balance and they REFUSED. Fast forward to XX/XX/XXXX, The debt IS STILL THERE and it's still with an incorrect balance of {$1200.00}. I contacted XXXX College ( because XXXX XXXX college has since then DISAPPEARED and " merged '' with XXXX College ) and I received a letter stating that my debt was {$340.00} and they contacted the agency to correct the amount on my credit report ( letter is dated XX/XX/XXXX ) but it still reflects {$1200.00}. This has been on my credit report for 8/9 years. I thought these debts have to be removed after 7 years. This has truly affected my credit and if it were fixed YEARS ago it would have been paid, and I could have bought a house but because my credit STINKS because of them, I am not able to do the things ( such as buy house ) I need to do for my family.
I went in to work which is XXXX. A co-worker gave me a message that a friend that I knew named XXXX XXXX called from the number XXXX and to give him a call back. 

I do not know who XXXX XXXX is, but called the number anyway and was told that this was Quad Corp a debt collection agency.
in XX/XX/XXXX I received a letter from regions bank which stated I had a certain amount of time to elect overdraft coverage. I assumed by not responding I would not have to do anything further since I did not want that coverage. In early XX/XX/XXXX my account was short by about XXXX dollars which snowballed into over XXXX dollars in overdraft fees. When I discussed this with a bank rep I was informed that I was automatically enrolled because I did not respond to the letter. I learned that regions was fined for this practice but is continuing to engage in this activity.
XX/XX/XXXX, I filed for a modification with Citibank for my XXXX mortgage ( acct # XXXX ) due to reduced income and the XXXX mortgage going from interest only to fully amoritized which increased my payments by more than XXXX %. I entered into an agreement with Citibank to pay the reduced amount of {$520.00} for three months trial period. My payments were made per the signed agreement and the loan was modified. As a result, CitiMortgage reported me as making late payments and not paying as agreed. Due to the late payments showing, I submitted a request to CitiMortgage to have the report corrected. They refused and I placed a dispute on my account. On XX/XX/XXXX, I pulled a credit report showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XXXX and 60 days XX/XX/XXXX. In an effort to refinance this loan in XX/XX/XXXX, the lender required me to remove the dispute from the CitiMortgage. It was then discovered that CitiMortgage was now showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days XX/XX/XXXX. As aresult of this misrepresentation, my credit score dropped by as much as XXXX points on XXXX of the bureaus. This decrease in my credit score cause me to pay a higher interest rate for the refinance because my score fell below the required threashold for an optimum rate. 

I no longer have this loan with CitiMortgage but I was harmed financially as a result of their actions.
PennCredit contacted me about a debt in XX/XX/XXXX. I sent a letter ( attached ) disputing the debt, They never responded in any way. I just received the same letter ( XX/XX/XXXX ) from them about the same debt.
In XXXX of XXXX I consigned on a bail with XXXX for a family member which was paid in full. In XXXX XXXX I was sued by a collection agency FTA Financial who said they represent the bail company who was now out of business. The man would call me from the collection agency and tell me I was a " stupid XXXX '' and laughed himself to sleep at night thinking how stupid I am. When I responded to the court notice the collection agency asked that there be no court date and due to lack of evidence the court find in their favor without going to court but the court denied that request and set a court date in XXXX XXXX. I sat in court for hours and the collection agency never showed so the judge said the case was dismissed. I started receiving collection letters again and left many messages asking them to stop sending them but when I called today I finally got someone on the phone who said the court case was reopened this month XXXX XXXX because they never received notice of the court date in XXXX which is hard to believe and when I left court that day I called them and told them it was over and to stop harassing me. It is not fair because the evidence I had the day in court an old cell phone with messages from the bail bonds proving it was paid I no longer have.
Their system seizes up several times a day making a quick trade near impossible. The entire money balance, even if you are sitting on all cash, fluctuates wildly right in front of your eyes. Limit orders do not kick in and then they blame a " fast moving market '' even if the market is slow and records show that it crossed higher than your limit sell price ( if you were trying to limit sell for a profit ). Anything that goes against you in the system, they blame you - nothing they do is ever wrong according to them. 

On XXXX XXXX, 2010, they blamed fast moving markets for the now acknowledged technical glitch and refuse to reverse any erroneous trades. Each transaction has to be baby-sat because their system is weak and potentially very dangerously flawed or worse, intentionally corrupt. When first setting up the account, they shredded valuable documents that had to be all redone. That should have been a huge red flag. This caused financial losses.
I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately.
I bought a new dishwasher from XXXX over the phone using my Chase card. Chase flagged the charge as fraudulent, declined the charge, and suspended my card, but did not attempt to contact me until hours later when they sent me a text message asking if the charge was fraudulent, and then a follow up ( after I responded that it was legitimate ) saying that they had declined the charge and I should contact the merchant. At no time was I informed that my card was suspended until I actually called Chase to discuss the charge declination. And at no point before declining the charge and suspending my card did Chase try to contact me to determine if the charge was legitimate. When I called Chase, they were unable to explain why any of this had occurred, and actually tried to deny that it had happened. To be 100 % clear, there was no fraudulent transaction here. This is a dangerous practice that harms consumers, who depend on the assumption that if their credit line is sufficient, they 'll be able to buy things. What is the point of having a credit card that can decline charges randomly, on no basis, with no notice?
Total Card XXXX called me three times in one day regarding a payment I had already made. On the last call, the agent acknowledged the payment but refused to acknowledge any wrongdoing with the multiple calls, instead saying it was my fault for not picking up the phone. Typical super rude customer service from a sub-prime financial institution that would have the consumer believe they have no options.
I was contacted by National Credit Systems about a debt that was owed from an apartment I lived at close to a year ago. They stated there were damages that would need to be paid for. I agreed to pay for part of the damages, but they mentioned the microwave was broken, which would not have involved me since I never used to the microwave out of my time of over a year of living at the apartment. I filed a dispute with them and followed up later. They stated that the apartment has not responded and would have two weeks to respond to the dispute or they would drop the microwave case and I would just owe the rest of the debt. I called two weeks later and the woman handling my case stated that since I never submitted proof that I was not the cause of that particular damage I would still have to pay. When I brought up that I had been told previously that the debt would be dropped in two weeks if they did not hear from the apartment they said that was not the case and there is no time limit for the apartment complex to respond to a dispute. This makes no sense as then every dispute ever made could be won by not responding. When I asked her directly about what she had told me the week before she did not answer and transferred me to her supervisor. The supervisor would interrupt me mid question and not let me get a word in. I was not able to ask any of the questions I had for him regarding my case as he would just interrupt me. I also wanted to ask him if I would be able to get an extension on my time to prove that I did not break the microwave since I was not looking for any previous evidence because I was told that I did not need to as the case would be dropped if the apartment did not respond. The woman handling my cases ' name was either Heal or Heel and her supervisor was XXXX XXXX. Eventually XXXX became angry and hung up the phone on me. I recorded the most recent phone call if the evidence is required of me. It was disappointing to not get any answers to my questions and to be talked down to and responded to so aggressively.
I applied for a Walmart credit card under the impression that I was to receive a {$25.00} credit on my first statement. Which I did n't. I returned a item and paid the difference at the store so I could inquire about my issue. I was told to call Walmart credit card directly and was instructed to pay my balance and the credit will show on my next statement. Which id did n't. I called again and was told that my {$25.00} would not show till my 3rd billing cycle. That was not told to me and I feel that I was mislead my Walmart about the {$25.00} credit. I alo asked the Walmart associate over the phone if I were to cancel this card would it affect my credit score which he said it would. I feel like the employyes and Walmart should better inform costumers when applying for this credit card. I want to cancel the card but do n't want my credit score to being negatively affected.
Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on XXXX day before legally validating per FDCPA laws.
Ditech Mortgage - I called on these dates : XXXX/XXXX/XXXX XXXX XXXX CST spoke to XXXX XXXX XXXX in AZ about Loss Mitigation Group letter sent XXXX/XXXX/XXXX ; said they needed more documents to complete application. I uploaded requested documents through the website which clearly showed income and GIFTS and other deposits in my checking for the entire year. 
XXXX/XXXX/XXXX Called XXXX, he said they used $ XXXX monthly income to determine my loan modification request. I told him that was gift money and unemployment which is not applicable as my income. 
XXXX/XXXX/XXXX XXXX XXXX CST I called XXXX XXXX at XXXX XXXX at XXXX and left a message that my income was incorrect and I was uploading document to the website. Several pdfs uploaded ONLINE MESSAGE XXXX/XXXX/XXXX sent a message thru online message center for Ditech also : " I will be uploading Loan Modification Appeal documents due to the information was incorrect that was used to determine my eligibility. Please have someone contact me regarding this matter. 
Fri XXXX/XXXX/XXXX XXXX XXXX CST I received an email to download an Loan Modification Appeal resolution document which again denied my request using INCORRECT Income amounts and the letter said my appeal was denied due to I made too much money. 

Tuesday XXXX called approx XXXX CST Called Ditech and got XXXX XXXX she immediately put me on hold ; Asked for XXXX official representative at XXXX - She put me on hold and then came back and said he is not available. 
I asked for manager level - she said she had to verify information for security purposes ; Gave her my account #, property address, last 4 # of social, I asked to speak to manager- she said she was not available and would have to call me back. I said never mind and hung up. 
immediately following phone call, I tried to send an online letter while logged in to my account and after composing and hitting send ; it said Error could not send. 

Tue XXXX/XXXX/XXXX XXXX XXXX -- I sent email thru my personal email and automated response said could be XXXX days before someone contacted me, I logged in again online and sent the same letter. 
Tue XXXX/XXXX/XXXX XXXX XXXX Called second time XXXX put in extension for XXXX x XXXX went to voicemail - said mailbox is full ; Tried another extension XXXX XXXX XXXX XXXX - was not available =left my name and number & said I want to make a payment Each month they have sent correspondence that says I have a different account rep. and I try to connect - call - leave a message and do not get any call back. 

For the Loan Modification request and appeal, I emailed and uploaded online two separate documents that showed my entire income for the entire YEAR, as stated in my Letter of XXXX XXXX, XXXX : " My income and ONLY MY INCOME, is only {$2600.00} thru XXXX XXXX, which averages to {$260.00} per month for the past ten months. I have only had part-time income through XXXX or misc part-time, short term employment. ''
Navient is not applying payments that are made to my account. I am regularly incurring late fees and am afraid my credit is being affected as some payments go over XXXX days before reaching a resolution. I have once paid my payment, including large fees, via phone because I received late-payment calls only for my on-time payment to be applied a few days later.
TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT :  XXXX   XXXX   XXXX   XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCRA   615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from    identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.       A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re    XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court  for the  XXXX   District of  California Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Collection company is trying to make me pay a collection fee for a debt that I paid years ago to the doctor and I do n't know how this company thinks it can collect from me. Their statements shows an original balance of {$0.00} but they want a collection fee of {$7.00}. They are threatening if I do n't pay, " Do not delay. Credit information is now being accessed for employment & apartment qualifying ''. Another threat is " Procollect will delete your account from your credit report and reduce the balance by 50 % if payment of {$7.00} is received in our office no later than XXXX/XXXX/2015. " I do not owe any debts and this is a scam.
We were enrolled in a PMI escrow account at the time of closing on our home, in XX/XX/2018, with XXXX XXXX XXXX XXXX, ( XXXX  ). We recast our loan in XX/XX/2018 and paid it down to a LTV of 44 %. We were instructed by XXXX to submit an email in order to discontinue our PMI escrow account and meet criteria of not any missed payments and a LTV of 80 % or less. We have met all of the above requirements and submitted the email request for cancelling PMI. XXXX responded stating we will have to pay a fee of {$100.00} and pay for another appraisal on our home. 
We requested that XXXX use the most recent appraisal on our home that was performed in XX/XX/2018, but have not received a response. 
We have since learned that this lender is not complying with a Federal law called, " The Homeowner 's Protection Act, '' which requires lenders to automatically cancel PMI enrollment when a loan falls below 78 % LTV.
ABOUT XX/XX/XXXX WELLS FARGO BANK OFFERT ME A BUSSINES REVOLVING CREDIT CARD TO MAKE PURCHASE FOR MY STORE. I ACCEPTED, AT THAT TIME I WAS USING MY PERSONAL ACCOUNT AT WF BANK, SO I BEGAN USING THE CREDIT CARD PROVIDED BY W. F. BANK IN XX/XX/XXXX. I MADE AN {$8000.00} PURCHASE AT XXXX XXXX # XXXX, AFTER THIS FIRST PURCHASE I MAKE THREE MORE PURCHASES, XX/XX/XXXX, {$6000.00}, XX/XX/XXXX {$3700.00}, XX/XX/XXXX {$2900.00} AND {$76.00} IN SMALL PURCHASES, THE CHARGES AMOUNT TO {$29000.00}. I WANT TO OBSERVE THAT I ONLY USED THE CARD TO PAY TO XXXX XXXX. I PAID THE TOTAL AMOUNT OF THE PURCHASEON THE FOLLOWING WAY.XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX, XX/XX/XXXX {$2000.00}. C. RECEIPT XXXX, XX/XX/XXXX CHECK # XXXX.FOR {$6500.00}, XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX XXXX. XX/XX/XXXX {$5000.00} CHECK XXXX, XX/XX/XXXX {$4000.00}. CASH RECEIPT XXXX XXXX, XX/XX/XXXX {$5000.00}. CHECK XXXX, AND XX/XX/XXXX {$380.00}. CHECK XXXX. SO I PAID AN AMOUNT OF {$32000.00}, INSTEAD {$29000.00} OVERPAING THE ACCOUNT ON {$3600.00} AND THE BANK DOES NOT WANT TO REFUND OVERPAID.AMOUNTOF {$3600.00} AND BY MANIPULATION OF THE NUMBERS THE BANK DENIED THE PAYMENT..
Credit Bureau : Equifax Date of Inquiry : XX/XX/17 Company information : XXXX There is a hard pull showing up on my credit report, but I did not authorize this. Equifax is unable to help me remove it.
because of wells fargo home mortgage unfair business practices, my homeowner rights have all but evaporated. on XXXX XXXX i opened a letter from wells fargo stating that my home modification has been denied. the reason for denial was known by wells last XXXX 2016 when i first started my home modification process. instead, they have taken me on a 9 month process only to deny me. if i would have know this at the beginning of the process, i could have resolved my mortgage issue through different means. now they have total control over my house and are foreclosing. something is very wrong here and there are some very disturbing business practices being conducting by wells fargo that needs to be investigated immediately
I disputed this account online through the credit bureaus to have it removed. Account shows as closed but this account shows delinquent payment for XX/XX/2012. Account should be removed from credit bureaus.