WillisBack/dataset-financial-user-claim huggingface dataset:
I deposited a check through my phone XXXX XXXX 2017 for {$1100.00} into my capital one 360 account. They made me wait appx. 6 days to clear. Then once it was cleared they called me but my mom answered and they asked where the check came from and she accidentally said she was not sure. They said they were closing my acct and said they had to return the check to its original owner. Two months went by I noticed my account was still open with {$1100.00} available but I could n't access it. I spoke to a bunch of people on the phone and they basically stone walled me and said I had no account open. This is where I am at now. I 'm not getting anywhere with the over the phone workers
On XX/XX/2017, I discovered XXXX ( XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Equifax improperly stored my credit report and allowed it to be accessed by unauthorized individuals. Thus far they have n't been able to conclusively tell me whether I 'm affected, and my attempts to get credit reports from all three unions have been unsuccessful.
The bank closed my accounts and charged numerous fees after a bank representative suggested a new account type upon one bank buying another. I was lied to about the minimum balance requirements ( my accounts with the previous bank did not have fees associated with basic banking services ). I recently tried to open a new account at a credit union and was informed I could not because of these outstanding balances.
USAA recently elected to unilaterally change their credit card service provider from XXXX to XXXX claiming the user base would see no difference in terms. As husband and wife, we have had for some time XXXX card number and account with joint authorized use and yet individual names on the cards. Now USAA, without approval or authorization from the card user, is reissuing separate cards with separate numbers for each card user while claiming the cards ' multiple card numbers are changed but it is all within the same account. No effort was made to acquire or request agreement or authorization from the member or spouse prior to issuing the new card and specifically now XXXX with separate, individual numbers. We believe this constitutes issuing a new credit card without the user 's approval or agreement. Upon calling and speaking with Sr. account representatives, USAA has told us we have no other choice but for individual cards to have separate numbers if we want both parties to have authorized card account use. They also admitted it is, at least in part, using separate numbers to enable the tracking of credit card spending and subsequent marketing use information. This supposedly is all for the user 's protection. It is worth noting that the billing documents already reflect separate card numbers and XXXX charges while the XXXX cards have as yet not even been activated. This makes it impossible to track and confirm our own expenditures and card use without having to call USAA and ask questions specific to the charges. We believe the individual card numbers being issued absent user agreement or approval is at least unethical and perhaps illegal. We also feel it is a deliberate marketing ploy to enable XXXX, USAA or whomever to use this as an opportunity to wantonly solicit the unique cardholder against our interests or wishes.
I am a victim of identity theft. The inquiries, which appears on my credit report from Exeter Finance datedXX/XX/XXXX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Problem with credit report and score after we had agreed with the offer they had given me on their web site to for give three month of payment. Then after three month pay at the END OF THE XXXX MONTH ON THE XXXX. What they ended doing was report me to all three credit company saying I didn't pay on time. Hurting my credit score and hardship to me and my family after back XXXX.
To Whom It May Concern, I have have tried reaching out to the XXXX XXXX XXXX for several years but to no avail. My current private student loans are being serviced through AES. The AES reps can not and will not provide lender contact information. I am beyond struggling to keep up with my monthly payments. I have asked on numerous occasions if my monthly payments and interest rates can be lowered but to no avail. I am told that I no longer qualify for repayment assistance. I was also told to write a letter to my lender which is XXXX and that AES would forward it on my behalf. I have yet to get a response and every time I call AES they are unable to provide an update or they say that the request is " on hold ''. In addition, the amount of money that I have paid in interest alone is beyond disrespectful. It is highway robbery and I feel I am undergoing financial XXXX! According to one of my private loans, I have currently paid about XXXX with XXXX being applied to interest and the remaining XXXX only applied to the principle balance. I am to the point where I have to worry about whether or not I pay rent on time, eat a decent meal or pay my loan on time. I need help, and it is only right that the lender work with me as I am trying my best to remain in good standing. Also, I believe that this is a case for predatory lending. At XXXX old when I signed the promissory note ( 1 ) I had no idea what kind of trickery I was signing. Iwas simply a young girl excited about furthering my education because I did not come from a family that could afford to pay for my education ( 2 ) I went to college with the hopes of graduating with a decent paying job, but the economy and has fail me and millions of americans. Times are hard and this is an epidemic that is affecting the majority of adults today. Again, I need to speak to someone at XXXX XXXX XXXX directly. I can no longer trust or wait for AES to handle this matter. I simply would like to lower my monthly payment and interest rates so that I can live a decent quality life.
We paid off our mortgage in full more than twelve years ago ; however PHH Mortgage Services Corp has taken no steps to remove the lien on our home -- despite repeated requests to do so over the past five months .We have telephoned, e-mailed, FAXed and mailed requests all to no avail. We are an elderly couple in poor health and want to be able to sell our home. PHH 's conduct is an example of elder abuse and potential financial fraud.
On XX/XX/XXXX, I made a {$330.00} payment to my paypal account from my bank checking account. I later found out that paypal took TWO payments from my bank checking account, both payments in the amount of {$330.00}. My bank informed me that one payment was made on XX/XX/XXXX and a second payment was made on XX/XX/XXXX. I immediately contacted paypal who refused to do ANYTHING except return ONE payment within 10 days. I went straight to my bank and informed them of the ILLEGAL THEFT of my money, which caused my account to become negative and caused other credit card payments to be NSF. ALL of this could have affected my excellent credit rating. My bank worked with me and did not charge me for any late fees. THEN, on XX/XX/XXXX, I made two XXXX purchases and used paypal to provide payment to the merchants. I deliberately clicked the box that said to charge my XXXX XXXX for the payment and NOT my bank. XXXX DELIBERATELY charged BOTH payments to my bank and again my bank checking account went into the negative. THIS IS FRAUD and ILLEGAL THEFT of funds. XXXX denies any wrong doing and I am tired to their theft and deceit. When I attempted to call them today, their phones continued to hang up on me.
Two items from XXXX are currently in dispute with Capital One, XXXX and XXXX on XX/XX/XXXX. The orders were placed the same day, XX/XX/XXXX, shipped same day via USPS. Tracking number for order # XXXX in the amount of XXXX is XXXX, tracking showed left in parcel locker which I do not have one at my address. I have attempted to track this package today, XX/XX/XXXX, the information shows as " label created, not yet in system ''. Order # XXXX, XXXX showed same information, left in parcel locker, tracking number is XXXX. Tracking info as of today also shows same, " Label created, not yet in system ''. I attempted to provide this information to disputes team, however, they were closed when I called. As I have stated in dispute and again here, both packages were not received, left in a parcel locker in error by my mail carrier. I believe the dispute should be closed in my favor as there is no information to contradict my claim.
Constantly being called about fictitious amounts on a credit card that was supposedly canceled years ago. I have no clue why there would be a charge, I cant verify what any charge would be from, and I cant verify who exactly is calling me. The last call received was from XXXX
Lazega & Johanson LLC ; did not reach out to me before they moved forward and filed a law suit. I responded to Lazega & Johanson LLC ; to try to set up a payment plan for case ( XXXX ) in GA. They moved forward and opened another law suit to take my pay, after I sent over XXXX letters from XXXX to XXXX requesting a payment plan. I called the office today on XXXX, and XXXX XXXX told me that they did not have to respond to my letters for a payment plan. I then remember that another law office by the name of XXXX XXXX and XXXX has been taking payments for over a year. 

Lazega & Johanson LLC did not reposne to any of my written request and moved forward to garnish payment when I asked for a payment plan, prior to, the garnish payment file to the court. 

Now I submitted the the order from the case that was resloved ( XXXX ), They are rude and not being truthful.
My wife had I have had a credit card since XX/XX/XXXX at a rate 0f 8.9 %. Bank of America has held the account since XXXX while MBNA and XXXX were predecessor banks from which they purchased the account. Recently while trying to use the card we discovered that the account had been closed. We 've been told that the account was cancelled somewhere between XXXX XXXX and XXXX XXXX. Current statements from the bank show an available balance of {$3100.00} and an outstanding balance of {$27000.00} I contacted the bank today and spoke with the following BofA representatives : XXXX - Customer Service Department XXXX - Compliance Processing and Monitoring Department XXXX XXXX - Credit Card Services Sometime between XX/XX/XXXX and XX/XX/XXXX a letter was sent to us requesting that we update information on our credit file. We did not see this letter. It was probably thrown away with all the other junk mail we get from various banks. The BofA policy is that the account be terminated if the information is not received. 
All of our dealings with BofA on this account have been conducted electronically. We get statements and we pay on line. 
1 ) Why was n't the request for updated account information made through electronic channels since that was the way we had been dealing with BofA for the past ten years? 
2 ) Why was n't a follow up attempt made to reach us for the information considering the length of time we had maintained the account? 
3 ) Why did n't we receive a notice of the account closing? 
4 ) Why does the current monthly statement show the account open with available credit? 
In speaking with the above bank representatives I have provided the updated information they required. They have told me that federal regulations require that they update their credit information file and if it is not supplied that the account be closed. There is no requirement that the request for updated information be sent in anyway other than by mail. I asked for a copy of the letter that was sent and requested the date on which it was sent but was told the representative could not provide that information. 
When completing discussions with the Compliance Processing and Monitoring Department I believed that I had provided all that was necessary to reinstate the account. 
I was transferred over to Credit Card Services and told that too much time had passed and that the account could not be reinstated but I could reapply for a new credit card at the a rate of 13.24 %, if approved. 
I feel that that the cancellation policy that only requires a mail notice for information with no additional follow up is an unfair practice and continuing to send me statements showing available credit is a deceptive practice.
I received a credit card statement for my Ethan Allen XXXX card ( Synchrony Financial ) for an amount of {$44.00}. This bill was generated after I made a full balance payment to Ethan Allen. I contacted them after a XXXX minute wait and was advised that it was a billing error/system glitch.
In the beginning I was told I would only pay half around XXXX.every two weeks it would calculate later I took a loan of XXXX. Have payed XXXX. They want XXXX. More payments of XXXX.every two weeks I can't do it it's affecting my ability to pay my other bills.
I opened a money market 360 account with Capital One in order to obtain a bank account bonus of {$500.00}. The bonus code was : XXXX and the terms were to deposit {$50000.00} or more by XX/XX/XXXX. It did NOT state the balance had to be above {$50000.00}. I completed {$50000.00} in deposits on XX/XX/XXXX. I called on XX/XX/XXXX to see why my bonus had not been paid. They claimed it was because I had not obtained a balance of {$50000.00} even though this was not stipulated in their terms and conditions. The terms and conditions are attached below : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
I'm submitting a complaint against Diversified Consultants, Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 30 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Diversified Consultants, Inc. ) authorizing ( Diversified Consultants, Inc. ) to collect alleged debt.

Show me that you are licensed to collect in my state, and provide licensed number if  you are
I was living at an apartment that i was cosigned on for the lease.  When I moved out they came after me for the money from being on the lease but never specified what the amount of money was for. They have a huge amount of money that they are trying to collect from me that i feel i don't owe and they've never shown that i do owe them.
All times are in Pacific time zone.

( Tues,XX/XX/XXXX at XXXX XXXX  ) From my XXXX XXXX account, I sent an outbound wire to XXXX at XXXX XXXX onXX/XX/XXXX for the amount of {$21000.00} USD. The time is before the cutoff time of XXXX XXXX and I also checked with my bank that it was sent successfully.

( Tues, XX/XX/XXXX at XXXX XXXX ) I open a support ticket with XXXX ( Case # XXXX ) with the following message : I have verified that the wire was sent to XXXX at XXXX on XX/XX/XXXX( for the amount of {$21000.00} USD ), which is before the cutoff time and I also checked with my bank ( XX/XX/XXXX ) that it was sent successfully. However, I am still not seeing the funds in my XXXX  account. My understanding is that if it 's sent before XXXX it would appear in the same day. Can you please take a look into it?

( Wed, XX/XX/XXXX at XXXX XXXX ) I receive an email from XXXX about a message : ATTN YR ABOVE REF, WIRE DTD XXXX IAO XXXX PLEASE BE ADVISED OUR COMPLIANCE DEPT HAS REQUEST FULL NAME, MAILING ADDRESS, WHAT DO THE INITIALS TSS STAND FOR OUR XXXX NO INDEMNITY INTENDED. AVOID DUPLICATION. REGARDS It appeared that I had put the wrong name in the recipient 's name field. Instead of putting Coinbase, Inc, I put my own name. I realize my mistake and I ask the agent to send an addendum to the wire.

( Thu, XX/XX/XXXX at XXXX XXXX ) I receive from XXXX the Bank Ref number : XXXX

( Thu, XX/XX/XXXX at XX/XX/XXXX) I include the Bank Ref number in XXXX XXXX  support ticket ( Case # XXXX ).

( Tue,XX/XX/XXXX at XXXX XXXX ) I add a note to XXXX XXXX support ticket ( Case # XXXX ) with the following message : It is XX/XX/XXXX and I have yet to see it deposited in my account. This is extremely frustrating that I am not getting any response from the support team. Can someone please look into it?
I have a balloon mortgage with Ocwen Loan Servicing that matured on XXXX/XXXX/XXXX. ( I have been working with a bank to refinance the mortgage. ) When I sent the XXXX monthly payment to the Ocwen that has the existing balloon mortgage it was refused/returned. I e-mailed the the Ocwen representative to find out why I could not continue payments while I was seeking new financing to pay their balance. They responded that after the loan matured they will only accept the full balance due of {$91000.00}. In XXXX they reported to the credit bureau that I am 60 days delinquent on payments. That report reduced my credit score from XXXX to XXXX.  Becouse of this report I was not able to finalize the refinance with XXXX XXXX. 
I believe this is unfair. I tried to make payments to keep in good standing while I was seeking refinancing.
I have made arrangements through XXXX XXXX XXXX attorney to settle my account in full with a XXXX balance and the company refuses to report the information to the credit bureau accurately. 

Instead of reporting that the account is paid with a zero balance to all 3 bureaus. They only took off the XXXX settlement off the balance and continue to report that I am not making payments negatively effecting my credit score. 

I have emails from XXXX XXXX XXXX attorney as well as all other documentation that we agreed before payment was made. 

This has been an utter nightmare and I cant seem to get this 8 year old debt off of my credit report as well.
I have been trying for weeks to login into EQUIFAX disputes online via there website and my EQUIFAX account with no success I always get a system down message. I am a paying member of Equifax credit watch and am very annoyed I can not access my credit report!!! I have tried calling in and speaking to someone to fix this issue with no success.
My XXXX credit card account that was opened on XX/XX/2017 was lost/stolen. The balance of {$2500.00} is all fraudulent charges/transactions, and do n't belong to me. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017.
I was contacted by Collections Inc. on Thursday and was told that they were attempting to collect a debt. I told the representative that I need to take a number and call them back. I was told again that this was an attempt to collect a debt and who the original debt was with. The representative never disclosed where they were calling from and then proceeded to threaten that legal action will be taken by XXXX. the next day. I was also told that they were planning to garnish my wages. I 've never received any letter from this company or phone calls before XX/XX/2017. On XX/XX/XXXX I contacted the company to find out the name and the rep refused to give me their name without verifying my address. I 'm not sure why it was okay to discuss the account with me during the previous call without verifying my address, but they ca n't share the name of the agency without confirming my address. I requested information to verify the debt and was given some information over the phone and was told that I could be provided the account history from the original account holder. I find it disturbing that I was threatened with garnishment the first time the agency contacted me and was n't allowed the 30 days to confirm or dispute the debt. I was told that my file was referred to the legal department. The representative was very unprofessional and rude. She seemed to take pride in the ability to garnish wages. This company uses bullying tactics and preys on the ignorance of others concerning the law to administer unlawful collection practices. They need to be held accountable and so does the Hospital that chose them as a third party service provider.
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.
I have a Citi master card which I wanted to cancel about three weeks ago. When I called, I was told that my account was deactivated. Upon hearing this I asked for a confirmation number to confirm the fact that my account was officially closed. I was told that their system doesn't generate confirmation numbers and that I will receive a letter in the mail confirming the cancellation instead. Today, XX/XX/2018, I did not receive a account cancellation confirmation, instead I received a promotion letter. I'm officially submitting this complaint against Citi ( Sears ) master card and would like to have them cancel my credit card. 

- XXXX XXXX
My brothers divorce case ( XXXX XXXX ) showed up on my credit report and I disputed it and told them about it on the phone and they said they would delete it and they just sent me an email that there decision was it is still going to remain on my credit report. I just want it off my credit report. It 's showing up on my experian and XXXX reports and need it off before I can close on a house.
Hello CFPB, I hope you can help me. 
After closing my case in XX/XX/XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) Patenaude and Felix, a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.