WillisBack/dataset-financial-user-claim huggingface dataset:
In late XXXX 2016, I paid off a 401K loan with the goal of applying for a new loan to purchase my XXXX home. I made several calls to XXXX XXXX before requesting the loan to ensure the new loan disbursement would be available in time for me to make my XX/XX/XXXX car payment prior to the 30 day past due mark. Unfortunately this did not happen despite me taking every precaution. 

Once I realized I could not make the payment timely, I made a payment arrangement online at NissanFinance.com to make payment by XX/XX/XXXX. The money was n't deposited to my account until XX/XX/XXXX ( 3 days later ) when I promptly made payment. I also contacted NMAC by phone asking if there was anyone I could avoid late/derogatory reporting to the credit bureaus and was told that a report had already been sent & there may not be anything she could do to adjust. 

On XX/XX/XXXX I received an alert from XXXX that my loan was reported as 31-60 days late. I immediately mailed XXXX letters to NMAC requesting goodwill adjustments to that report. I never received a response from NMAC but I happily received an alert on XX/XX/XXXX that the negative reporting was removed. 

To my shock, on XX/XX/XXXX the XX/XX/XXXX payment has now been reported as 30 days past due again. I 'm requesting that this reporting be adjusted in light of the prior removal. I did attempt to resolve by phone on XX/XX/XXXX but the associate I spoke to simply denied it was ever adjusted back on XX/XX/XXXX & would not assist. 

Although I acknowledge the issue with my payment was entirely my fault and not NMAC, I am asking that they adjust this single late payment since the loan was initiated. I 've confirmed that there is no regulation that states that a creditor is required to report this & am asking that NMAC simply remove the mark as they did on XX/XX/XXXX. 

I 've attached copies of the XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX credit file to reflect these changes.
On XX/XX/2018 at XXXX EST, I got a phone call from a HSBC collections department representative, asking if I was going to make this month 's payment on time, and if he could get that going for me today. 

Payment is due on XX/XX/XXXX, and past due on the XX/XX/XXXX. 

I told him I would have it on XX/XX/XXXX, and he seemed to be ok with that. 

He then asked about XXXX 's payment, if I would have it on time, and that's when I got a bit angry about his line of questioning, and why I was being called in the first place, since nothing is past due. 

I told him that if this is they way they are going to do business with me, then to please don't call me any further because it felt like harassment. I'm not sure he understood, so I repeated to clarify my stand on this issue, but I'm not sure he got the message.
I recently submitted a complaint ( number XXXX ) regarding mortgage issues with Bank of America. A representative called me on XXXX XXXX or XXXX, in regards to the complaint, and during that conversation, the representative started laughing at me and my situation. This is now the person who they have assigned to assist me with my mortgage. Also, during that conversation, ( after the representative started laughing at me ), I asked to speak with his supervisor. I was told she was not available, but that she would call me back in 30 minutes. The supervisor did call me back, and was helpful, sort of. She explained that she would be sending me some documents, and would call me back on Friday XXXX XXXX at XXXX. ( her name is XXXX XXXX XXXX. We set up an appointment for her to call me. She never called me. I called her at about XXXX XXXX and received her voicemail. This seems typical of Bank of America as I have been dealing with them on trying to get a loan modification XX/XX/XXXX. They keep saying they are sending out documents, and they never do. I spoke to them back XX/XX/XXXX and was told they would be sending the documents. I also requested the documents multiple times in XXXX and XXXX as I had regular bi-weekly phone calls scheduled with my " dedicated account representative. '' These dedicated account representative has indicated on my account that I was unresponsive and Bank of America has now placed my home in foreclosure after they refused/returned my payment to them to bring my mortgage current and up to day. They are now making me pay additional fees totaling {$450.00} + potential escrow fees + the amount of money I sent to them XXXX which they refused ) in order to remove the foreclosure status of my loan. They are also requiring that I send my payment in certified funds or a money order, which of course costs additional money, plus they only gave me 4 days to get the payment to them and require it be sent overnight express mail, which also costs additional money. They really are not looking out for people who are struggling to pay their mortgage and are doing what everyone says to do, and that is stay in contact with your mortgage company and attempt to make arrangements to pay. Bank of America does not follow through with what they say they are going to do, and in the mean time, when consumers are doing what they say they can do, Bank of America puts your home in foreclosure. There are many websites that warn consumers to be aware of scams ... .well, I think Bank of America should be added to the list of scam artists.
I am making a complaint against Wells Fargo again about the {$30000.00} settlement check they will send me. This money is going to cover my legal fees but what about the water bills, the loss I incurred for not refinancing my property, all of the pain and suffering during these years for Wells Fargo to take responsibility? They said that the check they will send is not an admission of liability of their part but who are liable of this mess? Their lawyer dragged me into this so they should be liable. 
I just spoke to XXXX and the property has a water bill of {$13000.00}. I mentioned that from the beginning that I contacted XXXX and they could n't give me any information because the house was not on my name. Apparently it is under my name now since it is recorded and it has to be paid. 
The rate is going up and I can not refinance yet because Wells Fargo can not finalize my papers. It is lost opportunity for me. That is why I am asking Wells Fargo to settle with me fairly. They need to do something. I am really tired over this.
I have disputed the late payments XXXX XXXXXXXX, XXXX  XXXX accounts for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have requested gateway one lending to not call my cell phone several times. They continually call my cell phone up to 20 times a day .lravimg several messages. They also call and leave detailed information about the amount I owe with 3rd parties several times a day as well. Harassing me about payments.
I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
I received a email from a lexington law firm below and also a copy is attached to this complaint. I felt I was contacted improperly contacted. Threatened to contact my employer to garnish my wages and the sheriff to come to my home. My name was not in the email- just a threatening message of contact I have not received before. No one has sent me anything in the mail. I check my mail everyday and weekly. I keep all mail in case something like this happen saying they tried to contact.me. I have not in this lifetime received received any form of contact or mailings from this scammed credit repair law firm. A real law firm will not call due to law official telling everyone to be aware of scammers who ask for personal information or want credit card information to pay for a debt over the phone.     The email will be attached to this case I was not able to attach above
I initiated a dispute of ( according to my attorney ) blatantly unlawful credit reporting to Equifax by XXXX on XX/XX/2017. Equifax assigned this dispute the number XXXX. 

As of today, XX/XX/2017, or over two months later, this dispute is still marked " pending '' in the online system Equifax uses to provide dispute results to consumers. I called about this dispute several times and was told variously that " it 's a website issue '', " be patient, this dispute is taking extra time '', " this dispute was resolved and you did receive the results '', etc. 

I have never received the results of this dispute. I have asked the customer service representatives to mail a copy of the dispute results but that has never arrived either. 

Equifax 's failures, to 1 ) delete the erroneous information in a timely fashion and 2 ) to provide notice of dispute results within the proper time frame, constitute violations of the Fair Credit Reporting Act.
The collection agency Valentine & Kebartas , Inc. which is located at XXXX XXXX XXXX # XXXX, XXXX, MA XXXX has repeatedly harassed me morning, noon and night. This company is collecting for XXXX XXXX. Although I have reached an agreement with XXXX, this collection agency continues to call me. I have also sent them a cease calling notification and file a complaint with the XXXX in MA. They call me from many numbers which are spoofed to appear that are within my state. Something has to be done, they are calling all times of the day and night. sometime they wo n't say anything but breathing loudly. They call and hang up many time as well.
My wife and I bought a product called XXXX XXXX XXXX in XXXX XXXX. The purchase was contingent on XXXX XXXX XXXX XXXX XXXX, purchasing our XXXX weeks of timeshare at XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and we started the process. XXXX XXXX XXXX XXXX is located in XXXX Az. In the process of trying to close XXXX XXXX had me wire ( XXXX/XXXX/2015 ) {$20000.00} to an escrow account in XXXX, purpose to paid the taxes on the sale. This money was to be completely refundable at closing.. XXXX XXXX XXXX, 2015 told by XXXX XXXX that I needed to send another {$5100.00}, my half of the transfer fees. I did this. When it came time to close I called and was told that XXXX XXXX no longer works for XXXX XXXX XXXX XXXX. She was remove because she stole the {$5100.00} by having that money sent to a different account in XXXX. I have filed a complaint with the Better Business Bureau. I stopped the down payment that was put on my credit card. 

Please advise what action can be taken to get the {$20000.00} and the {$5100.00} back from XXXX XXXX XXXX XXXX. I can provide all the documentation and time table of events. My number is XXXX. 

XXXX XXXX
I recently opened a new account with Citibank online. On XX/XX/2018, I went to the Citibank branch at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to make my opening deposit. I deposited {$1000.00} in to the newly opened checking account, and I inquired about getting a Direct Deposit form. The teller referred me to a personal banker by the name of XXXX XXXX. I saw a brochure about the CitiGold account, with a promotion of {$700.00} bonus for that type of account. When I sat with XXXX XXXX, I asked her about obtaining a Direct Deposit form and I wanted to get more information about the CitiGold savings bonus for the CitiGold account. She said, " Why would you want to do that? '' She then proceeded to ask, " Are you XXXX? What dialect do you speak? '' She then started speaking in XXXX, like I would understand her. " I said I speak XXXX ''. She made me feel as though I was XXXX  for asking about the CitiGold account, like I couldn't or wouldn't be eligible for the Savings average balance minimums. As a US Veteran, I've never felt so insulted in my life. I never asked for a translator. She began lecturing me about how my deposit would be on an extended hold. I asked why would it be when I deposited cash. She was deterring me from obtaining more information about the other products offered by the bank. Was it because I was XXXX and she assumed I didn't speak English? I ended up getting frustrated and just asked her for the Direct Deposit form and I left the bank. The whole ordeal has increased my social anxiety and XXXX because she embarrassed me in front of everyone that was an earshot away in the bank lobby. I went back to the branch a few days later and I spoke to the branch manager and she helped me. I just wanted someone else to know that behavior that was displayed by Personal Bankers, like XXXX XXXX is unacceptable. Although she is the same race as me, she shouldn't assume I don't speak English or that I couldn't afford the savings minimum for a CitiGold account or that I'm ignorant. I am a proud American, who has served his country in honor and to be treated that way is unfair, discriminatory, and deceptive.
Citibank sent a bill around XXXX/XXXX/15 for XXXX, when I received the bill I called Citibank to clarify mistakes on that bill. Now here were the mistakes, for some time we were carrying a large bill in the amount of XXXX which we were able to pay off on XXXX/XXXX/15. Just prior to paying off the entire bill I disputed two payments of XXXX from XXXX around XXXX/XXXX/15 and told Citibank NOT to accept anymore charges from XXXX and that I contacted them to tell them NOT to submit anymore charges. When I received the bill from Citibank around XXXX/XXXX/15 they had credited my account XXXX but the purchases showed a charge from XXXX on XXXX/XXXX/15 and a XXXX for XXXX and interest charges of XXXX. Bill due XXXX/XXXX/15 for XXXX after the credited amount of XXXX was subtracted. I contacted Citibank to question why they had placed a XXXX charge for XXXX on XX/XX/XXXX15 when I told them NOT to do that. No explanation, I also questioned the interest charges and wanted an explanation as to how they calculated these charges because these interest charges on the bill were confusing and contradicting the way they were written on the bill. Again no explanation. I told Citibank that I would not pay any bill until they resubmitted a corrected bill and gave me the explanations to what I requested. They ignored that request and continued to submit two more monthly bills with more interest charges and late fees totaling now XXXX and Citibank has turned this matter over to a collection agency. I had an attorney involved but due to the small amount of the bill he could not get approval from my coverage to take the case and recommended this course of action.
On XXXX XXXX XXXX XXXX XXXX XXXX was Contracted to relocate a piece of equipment to a Farm in XXXX AZ to a customers place of business. The company quoted {$420.00} for the pickup and delivery of the piece of equipment and were promptly paid that balance ( on XXXX XXXX ). The item was delivered without any problems and arrived safe and sound. I was later contacted by mail from XXXX that an additional fee above and beyond the original amount was due to the company. I then contacted the company Via phone and asked what the fee was in regards to. The representative told me it was a " Residential delivery charge '', I politely explained that they were mistaken and that the item was delivered to an active farm and was zoned commercial and was an Arizona registered Agricultural address. The representative stated the driver had passed a house on the property and XXXX policy stated that made it residential. I have been to the property personally and yes there are actually quite a few residential units on the property. The owner is vey good to his employees provides housing for the workers that work there. However the property is 4,500 acres PLUS in size and has a main office and about a 6 acre commercial loading and unloading area with Tractor Trailer Access they have to in order to ship out the crop! This property even has its own Fuel Pumps for the 20 some pieces of heavy equipment that are operated around the clock. I tried to no avail to explain this to the rep and was told she could n't do anything about the fee and I had to pay it. I informed the employee I would not pay any additional amount to the company based on their explanation since they were asking for money that was not owed. I have since received a COLLECTIONS NOTICE in regards to this amount. Please assist in resolving this issue. I would prefer not to have to contact an attorney I 'd rather just have this go away as it should have after my contact with the company. 

Thank You
i received a call from a XXXX telling me he was with XXXX.he proceeded to tell me he could set up an llc and file all necessary paperwork with both the state and irs.the company and XXXX never provided me any service and the merchants merchandise was not as described.XXXX called me on XXXX XXXX and reviewed expenses i listed for a grant.there was also no grant.i called my credit card bank of america to report this scam and i had been taken for XXXX.i explained the whole situation to them to no avail.they told me i waited to long.this company strung me along i believe to make sure i could not dispute. i wonder how bank of america could let somebody like this have a merchant account with their bank.even with no goods or services bank of america paid these people and took my money.i dont believe bank of america looked into this at all because even the money paid for this service was illegal.if i cant count on my financial institution what do i have them for.
I have a car loan on which I created an auto pay account within my personal bank. So the payment will be donde monthly prior to the due date. The payment history with the bank that has the car loan is excellent never missed a payment and the amount sent every month was over the regular amount. All of the sudden my bank stop sending the payment and the account was behind for nearly two months. They report to the Credit Bureau a delinquency on my account. I never recieved a phone call from the XXXX XXXX.

I contact the bank and they verify my excellent payment history with them, including my amount of the payment been more than the regular. An electronic payment was sent to cover the balance due, which by the way was less than an actual monthly car payment.

Since the lender procced to report my " delinquency '', my credit score is affected. I want to dispute the report and get it removed from my credit report. So my credit will be as good as it was.
my company received a wage assignment notification for my loan on the remaining XXXX dollars owed to XXXX. We have 3 payments remaining and were less than 30 days late. 

the initial letter was sent from their office without a call or letter to me. They claimed they call, but I would have known if they did. The last time my wife spoke with them, she scheduled the payment to be debited on XXXX/XXXX/XXXX. even though this was taken care of, they sent out the letter to my company multiple times once regular mail and the 2nd certified. it was sent directly to my employer notifying of a wage assignment. 

Their actions are not justified, and a wage assignment should be a last effort to have it initiated. 

My account was not even 30 days late and was satisfied. This a predatory practices.
I had my account go into collections in in XX/XX/2017. I reached out to Conn 's to get this situation corrected because i know i owed them. They advised me that they had a XXXX XXXX collecting on the account. I reached out to them and agreed to settle the account. In which we arranged payments to be paid and after the last payment was made they would clear up the account. Made my last payment on XX/XX/2017 and received the letter a couple of weeks later with a Settled in Full. As the letter stats they were supposed to send the information to Conn 's to get it reported correctly on my report. I reached out to them multiple time with either getting hung up on or transferred back to the que. I finally got ahold of someone and had me send the letter and was told to give them on call on XX/XX/XXXX and they should be able to give me some insight. Well gave them a little longer so i called on XX/XX/XXXX and spoke with the same guy i spoke with the first time. Had to stress to him that i needed it takin care of asap and kept telling me that its in the review process. I told him i waiting long enough for them to report it to my credit report and should have been updated within 30 days or so not 4 months and still waiting. He spoke with his manager and had me send the her the letter to her email. And all i got from Her XXXX XXXX was that the letter stated settled in full not paid in full. I told her whats the difference settled in full means there would be no more balance. She wanted to argue with me about my rights under the fair credit act and why my report hadn't me updated properly in a timely manor. I made the effort to get this taken care of and they need to do there part as both parties agreed.
On XX/XX/XXXX or there about I noticed many of my apps that I have given permission to use my financial data no longer had access to this information. This included XXXX, XXXX  and XXXX. These are apps I rely on for budgeting, saving on gas and saving money in a savings account separate from XXXX XXXX XXXX. I contacted them via XXXX CS on XX/XX/XXXX, XXXX, XXXX and XXXX. I finally received an answer from them on the XXXX stating that they had changed security protocols and that the services I used had not updated their systems to comply. XXXX and XXXX have since been able to reaccess my data although in XXXX 's case it still seems there are intermittent problems. Capital One never even responded to my concerns until I threatened a complaint and then only to state the security as I have stated. All other entities involved got in touch with me within one to two days and all of them have independently verified that XXXX XXXX XXXX has cut off access to them with little to no warning. Capital One solution is to use their apps and services and are unable to provide me with any information on when if ever they will allow these other businesses access to my data. As I have stated XXXX  and XXXX seem to have solved the connection problems at least partially and I am able to use their services intermittently. XXXX has not been resolved nor have I been able to get any further information regarding this matter from XXXX XXXX XXXX. I have no outstanding issues with Capital One. I have a checking account, savings account and Line of credit all in good standing as of today. All accounts have money in them and no contractual minimum amount is required. I am frustrated with the amount of information they have been willing to provide and with the slow pace of their responses. If I cut off access to their systems and allowed my accounts to go into debt or something similar they would demand immediate attention and probably fees and fines depending on the situation. I have money invested in a broker, a separate savings account, a retirement account and other services that require access to my primary bank accounts. I don't use my HSA, broker or 401k service on a daily basis, I am afraid when those companies do need access they will no longer have it, or if XXXX is a bad player and isn't using my information and funds in a safe way I would like to know so I can act accordingly. I feel like the onus at this point is on Capital One. No one else seems to be having trouble with these companies as far as I can tell on doing independent research and speaking with customer support for the other companies I have listed. If this is not able to be resolved shortly I will have no choice but to begin moving my money to other providers who can give me access to my information and provide customer support other than to recommend I use only products and services when spending my money. I feel like I have no other resources to get assistance short of this government complaint and/or possibly some kind of court action. It's not easy to wait for answers when they have control over a large portion of your liquid assets.