WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX, SC XXXX : Capital One FCRA LitigationTo Whom It May Concern : I had previously advised your company that I have been a victim of ID Theft. As a result I have a fraud alert requiring companies to contact me prior to approval for credit. Over the last 2 years Capital One has called/sent letters asking if I applied for credit which I have not. I have responded by phone and in writing that I have not applied/authorized said inquires on my credit and they needed to be removed. Your company stated in response to a previous CFPB Complaint and said that you would remove the unauthorized inquires once I faxed a copy of my credit report. Which was done the day that it was requested. Well now over a month later not only do they still remain but the number of inquires have since increased. Between all XXXX credit bureaus there are over XXXX total. Under FCRA ( codified at Title 15 United States Code Section 1681 and following ) this constitutes Willful Noncompliance in reporting on your behalf. 
Although your company seems to think that you can take advantage of what you perceive to be an uninformed consumer, I am far from that. I know that under FCRA each separate incident ( Inquiry ) reported where your company has failed to prove Permissible Purpose I am eligible for {$2500.00}. Now as we both know I can retain a law firm that I have worked with very closely in the past do handle this matter and they would gladly take the case and file suit. Your company in an effort to avoid a lengthy lawsuit costing thousands of dollars in attorneys fees and court cost would attempt to settle. Now that is a route I do n't mind going but serving in the XXXX XXXX XXXX of the values instilled in us daily was integrity. Due to the fact I do n't think it 's fair for your company to immediately be forced into paying my attorneys fees and so on I am going to afford you XXXX final opportunity to resolve this matter on a voluntary basis. I do want you to bear in mind I also do n't believe it is fair that your company being the 'Big Business ' you are completely ignores this offer to resolve and merely offers to correct the problem. The XXXX are not XXXX in the same and if you treat them as such I will cease all contact and file suit against your company. 
Here is what I am proposing you immediately remove any and all inquiries from all XXXX credit bureaus and pay me a settlement of {$10000.00}. The offer for settlement is more than fair considering your cost in legal fees would far exceed that amount. This must be done on or before 14 calendar days from receipt of this notice. If you opt to not to do so then I will have no choice but to seek the full amount entitled to under FCRA plus actual damages. Please confirm receipt of this notice by calling XXXX. 
Thank you for your prompt attention to this matter, XXXX XXXX
Follow-up on Complaint # XXXX When speaking with XXXX on Friday I stated I was at work and unable to work and that I would call when I had a chance. He put pressure on me saying that he would only be in the office for another two hours. I am in a different time zone and work off hours. 

He has repeatedly call my work phone number and is harassing my staff. I do not want to be contacted on my work number. It is completely unprofessional.
I am a service member that just received orders to deploy. I have a car lease with XXXX XXXX. I contacted XXXX XXXX XXXX to invoke my SCRA Benefits to terminate my lease early and followed their instructions to e-mail my XXXX   to their SCRA Department. I did as required. I have been contacting XXXX every day for 7 days and have re-sent my XXXX  multiple times and they still do not acknowledge them and tell me that their SCRA department does not have a phone number and there is nothing they can do for me. I leave on my XXXX this weekend and this is still not resolved. 

Please help me. I have no one who can take care of this for me while I am gone.
Wells Fargo is sc amming clients with available balance discrepancies ( holding money ). Then charging " overdraft protection transfer '' fees.     On  XXXX  I noticed I had a low balance on my checking account that would not be sufficient to cover my pending transactions. I moved everything that was visible to me on  XXXX  in my savings account back into my checking accoun t ( {$4.00} ). Thi s brought my balance up to cover all pending transactions.     That night , Wells Fargo  moved money back out of my checking account and posted it to my savings for " Save as You Go '' transfers for over the weekend transactions. This money was held and was not visible for me to transfer with the {$4.00} on the  XXXX . I was n't aware these save as you go transfers were even pending.     Because they moved  ( posted )  this money late night of the  XXXX  after, this caused my checking account to drop below the amount needed to cover the pending transactions.   Wells Fargo then charged me a fee of {$12.00} to move the money from my savings back into my checking to cover the pending transactions.
So Wells Fargo held transactions from my Savings,    moved the money on the night of the  XXXX  when I already had a low balance in my checking, which caused the balance to fall below what was needed to cover the pending transactions. They then charged a fee to move the money back to my checking that they JUST moved the same night to my savings. If  Wells Fargo wo uld have left the money in my Checking account instead of transferring it to my savings, the balance would have been sufficient to cover the pending transactions and I would not have been   charged an overdraft protection transfer fee.
Wells Fargo s  hould have some sort of " checks and balance '' in their programming that prevents their systems from moving money to savings accounts when the balance in the checking is just sufficient to cover pending transactions.
Every morning I get a call from Nationwide ( the company that i got a loan from ), during business hours when Im at work and I keep repeating to them not to call me at work to resolve the issue and they still repeat the same thing. Also they call me after XXXX as well. Also yesterday they called me in the morning as well as in the afternoon when I told them not to contact me at work. They usually call me multiple times within the same day as well. I recently told the manager of this company to stop calling my cell phone and they didnt listen to me, and still call me. Also when they call me on my personal number, they not only call from their business line but also several different personal numbers.
Most of the problem is explained in the enclosed letter, but the woman that I talked to at the consumer protection bureau said I could ask to have the escrow waved since I am having so much trouble with it. 

I would rather pay my own taxes and insurance myself and save the hassle of the bank paying it for me! 

The only thing that Wells Fargo paid for me in XX/XX/XXXX was my property tax, I paid for my XX/XX/XXXX Home Insurance myself.If you'll notice from XX/XX/XXXX to XX/XX/XXXX they had me in a shortage of XXXX from lender placed insurance that they placed on me in XX/XX/XXXX, but I had insurance in XX/XX/XXXX that I paid for myself.I told them this and they acknowledged that I had insurance in XX/XX/XXXX, but somehow I don't think they wiped out that shortage off my records.I think they made a mistake and they don't want to correct it.You will find this in the bank explanation letter.I want to know why I started out with a shortage of XXXX in XX/XX/XXXX. I want to know where they came up with that amount.

I just went to an accountant and she told me that the {$2300.00} in the XX/XX/XXXX statement was interest accrued on the XX/XX/XXXX lender placed insurance that Wells Fargo put on me and dos n't want to fix. So I think that's where the mistaken was made.
Received written communication from XXXX  XXXX regarding alleged medical debt. Information provided does not substantiate or verify debt on my behalf. Asked company to " cease & desist '' debt not owed. Repeated attempts by collection agency ignored.
I filed Chapter XXXX Bankruptcy in XXXX. Heights Finance was included in the bankruptcy. From XXXX Heights finance  showed the account as closed and included in the bankruptcy. In XX/XX/XXXX Heights Finance reported the account as " failure to pay '' for the month of XX/XX/XXXX. This account should not be reporting any delinquency after XXXX as it was included in the bankruptcy. This negative reporting caused my score to drop 11 points while in the middle of underwriting for a mortgage.
Please reference my last complaint, which the company failed to address, complaint # XXXX. 

The bank issued 2 checks each in the amount of {$3000.00} and mailed them to my daughters through bill pay. 

According to their online bill pay statement : https : //www.bankofamerica.comXXXX XXXX XXXX XXXX ... the check will be mailed to the biller, and the money will be subtracted from your account when the recipient deposits the check. '' In actual fact, B of A deducted both checks on the day the bank said the checks were received. One was received and cashed several days later. One was never received. I asked them to cancel payment and issue another check, which they did. BUT, they never redeposited the {$3000.00} to my account until the new check was received and cashed, but B of A kept the {$3000.00} in their own coffers for the duration, until the new check was cashed on XX/XX/XXXX. 

At this point I began investigating their practice and found they do this all the time -- in effect kiting checks between the time they say the check arrived and the date the check is actually cashed. I've found several more instances of checks being kited for days, including a {$9000.00} to my CT tax office. 

They have responded to the first compliant with a ton of dates and website links, both of which I have discussed with one of their reps. They have not, however, done anything to make me whole. I must renew this complaint or bring another under a new number. If this does not bring resolution, I will seek legal representation. It is necessary because the problem is not only with my account but with all bill pay users and accounts for millions of dollars being kited by B of A.
In XXXX of 2016, I discovered Equifax and XXXX re-inserted a previously deleted negative account XXXX back on to my credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I am demanding that they delete this item immediately.
Please be advised that I am writing this letter to enter a complaint to bring attention to Diversifed Consultant s unscrupulous business practice.

I have never been contacted by Diversified Consultants in any way shape or fonn by phone or by mail ever, most recently I noticed that they have added a collection to my credit file at XXXX.

I have had a previous agreement with XXXX  and have paid the balance in full.

I have disputed this with the credit agency, and have called diversified and spoke with a XXXX XXXXXXXX XXXX XXXX to infom1 them of this.

They are attempting to collect a debt that is already paid in full and have erroneously updated a negative report on my credit file.

Please investigate this matter and have this corrected. Thank you for your immediate attention.
I had a non contract account, which means I was not required to pay a fee for closing my account. One month later they sent me an bill with cancellation fees attach to my last bill. I was instructed to dispute the bill ... which I sent in my request to review the bill. I have been getting the run around on the status. Received XXXX letter that they were still working on my request, as of today no word. My thought was it has been removed and account closed.
In XXXX XXXX, I moved out of the apartment I was sharing with XXXX others and, among other things, ended my XXXX service at that address. XXXX picked up the equipment and the final bill that I knew of was paid. I have had XXXX services at multiple addresses in multiple cities since then. When I moved to XXXX XXXX, I was told I could not get an account because I had never returned my equipment from that first account. When I disputed that with the representative, he said he would look into it, and shortly thereafter I was offered a contract to get service, and I opened a new XXXX account in XXXX of XXXX. I have had XXXX service continually since then, have paid my bills on time, and have never had any issues mentioned to me by the company. On XXXX XXXX, XXXX, I received an alert that there was a new open collections account on my credit report. I went to check and found, after much investigation on my own part, that Southwest Credit Systems had placed a derogatory mark on my credit score for a {$65.00} debt to XXXX which XXXX was alleging I owed from XXXX. I have had the same name, phone number, and social security number affiliated with all of my accounts with XXXX, so they have no excuse for this absurd behavior. They have never once contacted me, sent me a letter, billed me, or otherwise attempted to hold me responsible for this amount. Southwest Credit Systems never sent me a letter regarding my debt before placing this on my credit report, and has made no contact with me whatsoever at this point, rapidly approaching their 30 day deadline. I am sending them a demand letter for verification and other information pursuant to the relevant federal laws. I do not believe I owe XXXX this money, and dispute the validity of any debts to XXXX and any collection agency regarding this amount.
Cross country Mortgage does not communicate on escrow. 

I received a bill in Mid XXXX to and the payment went up from {$2600.00} to {$3100.00}. I called several times about why the payment went up so dramatically. They kept on explaining that it was due to taxes. So I looked at the taxes and noticed that the homestead exemption was not been issued. I did so in early XXXX and thought the issue would be resolved. But the credit was only {$350.00} a year. So I called again and they told me to do an analysis by email. I submitted the analysis still not change. Finally spoke with a supervisor and he noticed that there was a forced placed insurance that was added in XXXX going all the way back to XXXX. I closed on the house in XX/XX/XXXX. 

By law you have to pay your insurance for 1 year in advance in order to receive closing documents. I was not giving any notice that there was a forced placed insurance added nor did they ask for me to proof that I had insurance. Very upset because my XXXX payment
I submitted a previous claim with this company due to the inability to assist me in lowring my payments. since my previous claim was closed I would like to start a new forrnefor misinformation given about my extended repayment payment. I was advised it would be XXXX @ 284 months 1 payment at XXXX 1 payment at XXXX XXXX payment at XXXX and my last payment would be XXXX for a total of 300 payments. I looked at my statement last week and its now upto XXXX dollars a month which I can not afford. can you please look into this thanks
We purchased a rug at XXXX XXXX, XXXX XXXX, Florida on XX/XX/XXXX. We were encouraged to make a credit card application to receive an additional discount. After doing so, the rug was not further discounted and we requested that the credit card application be rescinded ( we paid with an existing credit card ). We were told they couldn't do that and we were given a phone number to call at Synchrony Bank, the credit card issuer, to discuss the matter. We called and explained why we did not want the credit card. The representative of the bank concurred and said that they would confirm in a correspondence. All of the above actions took place within a two hour period. We received the correspondence dated XX/XX/XXXX indicating that the credit request was denied. Our regular financial institution has indicated that we have an XXXX out of a potential 850 FICOS rating. We are proud of that and don't want the misrepresentation by XXXX XXXX and inaccurate rationale by Synchrony Bank to have a negative impact. It is our experience that having a credit report corrected is difficult and time consuming. XXXX XXXX says they can do anything and Synchrony Bank make it difficult to communicate with them. Please help..
Voluntary Surrender, of vehicle. Had baby could n't pay for vehicle anymore. Was n't working.
Around XX/XX/XXXX, I came across an offer on the XXXX XXXX website regarding their co-branded American Express XXXX XXXX credit card. The offer stated XXXX bonus miles. The requirements, as stated in the online marketing promo info, are ( 1 ) spending {$2000.00} in the first 3 months for XXXX miles, and ( 2 ) an additional {$1000.00} in spending within the first 6 months for another XXXX miles ( total XXXX miles ). 

I applied online and was immediately approved as I have excellent credit rating. Amex issued the card around XX/XX/XXXX and I activated the card around XX/XX/XXXX. Subsequently, I satisfied the {$2000.00} spending requirement in the month of XX/XX/XXXX and then additional {$1000.00} spending requirement in XX/XX/XXXX. I waited for the XXXX bonus miles to be credited to my XXXX account, but nothing happened for many weeks. Finally, on XX/XX/XXXX, I contacted Amex on their website using their online chat feature. I contacted them again on XX/XX/XXXX using their website online chat feature. I am attaching a copy of our online chat transcript. 

In a nutshell, Amex now says that I will not be receiving the promised XXXX bonus miles because I had held an Amex XXXX XXXX card in the past. This limitation was nowhere mentioned in the marketing promo material. In my online chat with Amex, they say this limitation is disclosed in the terms and conditions in the welcome kit, but the kit is delivered after the card is issued and sent to the consumer, not at the time when the consumer applies for the card in reliance on the bonus miles offer. 

I feel I am the victim of deceptive marketing by Amex, classic bait-and-switch. They lured me to apply for the card with an offer of XXXX bonus miles, does not disclose the past card limitation until after the card has been applied for, approved and sent. Furthermore, the limitation is buried on page 3 of the fine print. The intent here is to deceive the unsuspecting consumer who applied for the card in reliance on the marketing promo info.
This is to inform you that inXX/XX/XXXXXXXX Ocwen loan servicing illegally foreclosed my property. On XX/XX/XXXX I received an illegal annual Escrow Account Disclosure Statement and a voice recorded created by Ocwen loan Servicing stated that in XX/XX/XXXX I made a payment in the amount of {$5.00}, XXXX also on XX/XX/XXXX my property was transferred to their Real Estate owned ( REO ) because due the lender placed Hazard insurance and taxes, also in XX/XX/XXXX I received an Delinquency notice from Ocwen stated that Im 1912 days delinquent on my mortgage loan. My account first became delinquent on XX/XX/XXXX. Please be advised that I never make any payments to Ocwen loan servicing until XX/XX/XXXX regarding the approval pending loan modification. This is totally fraud because I paid XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX until XX/XX/XXXX I made two payments to XXXX XXXX XXXX claimed that I missed XX/XX/XXXX payment. I also paid my home insurance since XXXX until XX/XX/XXXX and taxes since XXXX to XX/XX/XXXXexcept in XX/XX/XXXXOcwen paid my property tax, because Ocwen went ahead paid early thats why. Ocwen s use of inaccurate and incomplete information to collect mortgage, tax, and insurance payments, loss mitigation issues to proceed with foreclosures including balloon payments. Exactly what Ocwen done to me after I paid an attorney {$11.00}, XXXX because they promise to work with me then I dropped the law suit against Ocwen. Because Ocwen admitted that Ocwen incorrectly foreclosed my property onXX/XX/XXXX they sincerely apologize for any inconvenience this may have caused. Further, please note that they are in process rescinding the sale on the property. Instead I received a loan modification mortgage in the amount of {$220.00} plus a balloon payment in the amount of {$150.00}. XXXX Ocwen does not respect the Law, Owens continue lying and serve investors loan to harm home owners
This company refuses to provide me verification and validation of debt per my right under the FDCPA. I do not believe this debt is mine.
Hard inquiry : XXXX/XXXX/XXXX XXXX/jcp XXXX/XXXX/XXXX XXXX/jcp
My friend handed me XXXX checks that was owned by another friend of hers and told me to cash it from my bank. She drove me to the bank in a blue 4-door car, as she waited outside in the parking lot, I was cashing out the check inside. My friend and I had a verbal agreement that she will repay me. She explained that she needed my help and the money was going towards paying her bills. Since we 've been friends for XXXX years, I thought I was helping out a very close friend of mine. Instead, on XXXX/XXXX/16, my bank statement was as stated, '' RETURN ITEM CHARGEBACK. '' My daughter had to transfer money from her account into our joint account to not incur an overdraft or be in debt with the bank since, at that time, she was the main account holder. I attempted to call my friend multiple times that day, XXXX/XXXX/16 and XXXX/XXXX/16 - she did not answer any of my calls nor called me back, I left her a voicemail explaining that I will need that money to be repaid as soon as possible. Sunday, XXXX/XXXX/16, my son went to her house and spoke with her daughter and a friend. Their whole 30-minute conversation was voice-recorded through my son 's cell phone. They explained that the mother has been partnering with " XXXX '' who goes by different aliases and has been scamming friends and targeting older women for XXXX or even longer. They provided a picture of the check holder " XXXX XXXX XXXX '' and the other aliases that she goes by and her phone number. They also provided their own phone numbers, telling my son that they will be witnesses to the situation that occurred - they know the entire connection between my friend and " XXXX. '' They XXXX told my son to instruct me to no longer contact my friend, for she will plan to hide or even tell " XXXX '' and XXXX of them will avoid being caught from breaking the law. Unfortunately, my friend persuaded me into cashing out a second check from the same scam artist. On XXXX/XXXX/16, my bank statement was as stated, '' RETURN ITEM CHARGEBACK, '' again. I have all the evidence that need to be reviewed.
Moved out of apartment due to condition of carpet from previous owners having pets ... contacted management on several occasions and was told I could move without any penalty!
On XXXX XXXX, 2018 I checked my credit score with XXXX and my Equifax score had dropped 18 points, although my XXXX report had gone up by one point. So how does one report drop you 18 points while another raises your score? I called Equifax and spoke to someone named XXXX ( probably not his real name ) from the XXXX. We had a SERIOUS communication problem. When I ask why my score had dropped, he put me on hold for over five minutes. He came back and said that it was due to a XXXX bill that had been paid off A LONG TIME AGO. and he could give me no other explanation. He said that XXXX XXXX uses a different software than Equifax and that their scores may not be accurate. I asked him what was my score and he wanted me to pay him {$7.00} to tell him. {$7.00} for him to tell me my score? It is enough that our information has been compromised, but to charge me to find out my score is nothing more than a rip off. I am a XXXX veteran and a XXXX XXXX and I am trying to buy a house, using my VA benefits and this drop in score is hurting me. I am current with all my bill and have been for well over a year. I think that all three credit reporting agencies should be regulated by the federal government. They 've got too much power to hurt Americans who have served this country, only to be controlled by someone in another country. RIDICULOUS