WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I scheduled a payment of {$290.00}. Upon reviewing the account, I noticed that Capital One put a hold on the account, so I made a call to their customer service department. The customer service agent willingly was able to release the Hold. I used the card for a Cash Advance purchase and a General purchase. As soon as that happened, I noticed that Capital One put a second hold on the account. 

Capital One maintains that the reason why this happens is to avoid identity theft. I was able to verify my account with this company on several occasions, but this company continues to use the same tactics again and again. I'm finding that Capital One, while they are obliged to follow security regulations, are acting in a suspicious manner to constantly put holds on the account even after I've made several confirmations of my identity. If this continues to happen, I will cease all use of the card going forward and will reach out to the community to share my experiences with similar customers. People who use Credit Cards would absolutely want to hear about incidents like this as it will help them decide if it's a service worth having. 

Additionally, I realize your company is bound by procedure/policy, but you really should not ignore complaints like this, because ignoring complaints like this could ultimately harm your business, ESPECIALLY if it's shared with the public.
Although I asked my student loan servicer to place me in the Income-Driven student loan repayment plan with the lowest payment, it placed me in a plan with a payment that was about {$500.00} higher than a payment I was eligible for. The details are below. In XX/XX/2016, I submitted an " Income-Driven Repayment Plan Request '' ( Federal OMB form no. 1845-0102 ) to have my servicer, Nelnet, calculate my payment under the above quoted form of student loan repayment. I asked, in Section 2, item 2, that " I want my loan holder to place me on the plan with the lowest monthly payment. '' As shown in numerous cites, e.g. the one below, at this time a new repayment program with the acronym REPAYE had come out that ( a ) was a plan for which I was eligible because my student loans are " direct '' loans as shown on my balance sheet from studentloans.gov and ( b ) caps the payment at 10 % of discretionary income. Instead of putting me in that plan, they placed me in the IBR plan, which caps payments at 15 % of discretionary income. This cost me {$500.00} a month extra over the past 8 months or so. 
XXXX
I saw an advertisement for opening a new personal checking account and cash insentive of {$250.00}. I applied online and did the part I could for opening the account online. Then a few weeks later I received paperwork to go in the branch to finish setting up the account. My direct deposits were made and ten transactions debited once I received my debit card and account officially authorized. I call in XX/XX/XXXXand they said it was not enough time. Then I called this XX/XX/XXXX and said they didnt see any promotions. They were going to submit a form. Now a couple weeks later they still have not given me the incentive of {$250.00}. No one can answer why and this form did nothing.
The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
RE ; FAY SERVICING - LOAN # XXXXplease help me!!!! Fay Servicing has been giving me misleading information regarding the application for a HAFA Short Sale to avoid foreclosure. 
Now after XXXX months since i applied for a loan workout when my loan was still with XXXX XXXX XXXX and somehow the loan was transfer to Fay Servicing after i request for a copy of the original loan documents. 
FAy Servicing has been manipulating my review, i have provided every single document requested by XXXX XXXX. Which she advise me that she will no longer speak to me over the phone becuase i havent paid my mortgage. 
I called numerous times to get a manager and they keep disconnecting my calls. 
Fay Servicing has set a sale date for my property for XX/XX/2015 and even though the previous offer that i submitted to Fay Servicing backed out. I was able to get another offer which it was submitted to Fay Servicing since XX/XX/2015 with all the required documents. 

So far no response from any one. 


Please help me!!!! 

XXXX XXXX
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THIS ACCOUNT TO BE VALIDATED, WITH THE ORIGINAL WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send me that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX
One Company put in my credit Report a Debt for XXXX dollars for XXXX time. 
XXXX time i did a claim in the All of XXXX Credit Buro : The Result was : DELETED THE ACCOUNT. This account do n't belong to me or was Used my name. 
XXXX Time : The Collection Company tried to Put again this Debt in My Credit Report. I did a Claim and the Result : The Account was deleted. XXXXAnd Today XXXX/XXXX/XXXX i was checking my credit report and appear again this account. Equifax do n't send any information why or the reason that this Collection appear again in MY CREDIT REPORT. 
I need your Protection for eliminated this account for ever of my Credit Report. And Also put the penalty for Equifax because do n't obey the Law for reinsert Collection deleted for XXXX time. Of course the worst situation is They had proof for my XXXX claim that this Debt is n't mine.
On XX/XX/XXXX i opened a dispute with Transunion about XXXX XXXX adding a collection to my credit file in the amount of {$1800.00}, that dispute end with Transunion deleting the XXXX XXXX account from my credit file on XX/XX/XXXX. 

On XX/XX/XXXX i discovered XXXX XXXX  had been re-inserted into my credit file after being deleted. Transunion is required to notify me within 5 days of re-inserting a previously deleted item. i did not receive such notification. Please delete this item immediately.
I missed my XXXX XXXX, 2016 payment by mistake and called the company on XXXX XXXX, 2016 when I realized my error. They waived the late fee and, in order to prevent this problem from happening again, we discussed changing my due date from the XXXX to the XXXX. I was told that future payments would be due no later than the XXXX. I even set up auto-pay to ensure I would not be late again. Today, XXXX XXXX, 2016, I received an email notice that claimed I missed another payment. I immediately called the company who confirmed that they changed the due date and setup auto-pay for me. However, they claimed that the due date change was not take effective until XXXX 2016 and the auto-pay would not start until XXXX XXXX, 2016. I was not advised on the phone or in writing that the due date change would not be effective for the XXXX 2016 period. Further, the company sent me the XXXX 2016 statement on XXXX XXXX, XXXX, but I spoke with the representative on XXXX XXXX. Thus, the XXXX XXXX statement would not reflect this representation and change by the company. The company has now increased the late fee from {$23.00} to {$37.00} and refuses to waive it. I relied on their representation that my due date was changed for all future periods, including the XXXX 2016 period. The company is now attempting to charge me a fee for its mistake.
I received an XXXX Chase Visa signature credit card without applying. The card was accompanied by a brochure outlining XXXX XXXX as well as a guide to benefits privacy notice agreement rates and fees schedule along with a credit line amount. I contacted Chase Bank and filed a fraudulent action against XXXX. I also contacted XXXX and was told an application was not on filed in my name for this particular card. When I researched this online other individuals have experienced the same problem with this company and have also received the same card without applying this seems to be a common practice with XXXX.
I rented a car over the internet. I agreed to pay {$130.00} to rent the car over a four ( 4 ) day period. I never saw the contract. I picked up the car in XXXX, Ga, and used it for the four days. I paid for the rental with an American Express credit card, issued by the XXXX XXXX XXXX XXXX XXXX. Open returning the car, I signed a receipt acknowledging the return of the car. After signing the receipt, I was informed, for the first time, that the card had to be returned by XXXX. Because it was after lunch and I had already signed the receipt, I took no immediate action. I feel that I was " baited and switched '' into paying additional fee that I was not informed of prior to signing an acknowledgement. I contacted the card issuer ( XXXX, XXXX ) and disputed the {$30.00} additional charge. On XXXX/XXXX/15 I was informed by the credit card issuer that because I had unwittingly signed an acknowledgement that they would " not have the authority to continue to persue the credit from the merchant on your behalf. '' Because of the small amount and fraudulent bill, XXXX, XXXX, has just " rolled over '' for the merchant. And I 'm out {$30.00} on a " bait and switch '' scheme.
ON XX/XX/2018 I MADE A PAYMENT TO XXXX XXXX XXXX FOR {$430.00}. THE CONSUMER WAS SETTLED IN FULL AND IN RETURN WAS SUPPOSE TO BE REMOVED OFF MY CREDIT REPORT WITHIN 45 DAYS. IT HAS NOW BEEN ABOUT 2 MONTHS AND INSTEAD THEY JUST UPDATED MY REPORT SHOWING THAT THE ACCOUNT IS NOW CLOSED. I HAVE TRIED TWICE DISPUTING IT WITH THE CREDIT BUREAUS BUT NOTHING HAS CHANGED. THE ACCOUNT IS STILL ON MY CREDIT REPORT SHOWING CLOSED. I TRIED CONTACTING THE COMPANY AND BEEN GETTING NOTHING BUT LIES. THEY TOOK MY PAYMENT KNOWING THEY WERE NOT GOING TO REMOVE THE ACCOUNT OFF MY CREDIT REPORT. THIS HAS NOW BECOME OVERLY FRUSTRATING, WHICH I AM TRYING TO REBUILD MY CREDIT TO PURCHASE A HOME.
On late XX/XX/XXXX I made a cash deposit of {$2500.00} into my Chase Checking account at a Chase ATM located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States The ATM malfunctioned screen went blue saying : transaction cancelled and returned {$700.00}. Then it spit out my card and kept {$1800.00}. And didnt log it into my checking acct. I double checked my balance and immediately called the 1-800 number on my atm card for assistance from customer service. They took a report and said that the funds would be put into my checking acct. 
that did not happen! 
The next day I went to the branch manager at the XXXX branch of the bank and she was very helpful and they put the {$1800.00}. Dollars into my acct. several days later they removed it without notice on XX/XX/XXXX at midnight. 
That put my acct into a negative balance scenario they have exploited the scenario to charge me over and over again fees and charges. Ive tried to speak with representatives at the branch and they want to help me but refer me to claims on the phone and the representatives on the phone are very rude and refuse to listen to me. Subsequently I pass by that atm daily and even though they insist the ATM was checked and my funds were not found I caught them replaceing the entire ATM in XXXX XXXX and took pictures. 
I immediately went back to the bank to discuss once again they put me on with claims the representative refused to identify herself except by first name XXXX and she told me the claim was over the money was not found that she could not help me and that they use a third party vendor for their ATMs and maybe I should contact the third party with questions about the incident. 
This situation ruined my holiday my kids holiday and now threatens my credit score and I need help please.
This debt was discharged in a chapter XXXX bankruptcy, however the collection company does not own the debt, and they continue to report to the credit bureaus.
The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX/XXXX - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX  XXXX  XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.
My truck payment is due the XXXX of every month. Every month beginning on the XXXX ( if payment has not been received ) phone calls begin. Sometimes multiple calls back to back with as many as XXXX5 calls a day. Late fee is not incorporated till the XXXX. No voicemail, no call identification and no way to know who is calling. 

Finally, I answered and collector stated, " the bill is due on the XXXX and we start calling the XXXX day it is late. ". I responded, " so you guys just blow-up my phone all day everyday? ". She responded, by asking, " did you want to make a payment? ". At this point I had already submitted payment but has not cleared though the bank. I responded, " I already have. '' And she stated that she would make note on my acct. Not once was there a apology, a thank you, or even a degree of empathy in her voice. This woman could not have been more apathetic and rude. I am as of now seeking information on my rights. 

Sincerely, Extremely aggrevated client of Bank of America
1. We sent our credit card payment in full in two months ago. 
2. We received our next credit card bill, indicating that they had not received payment for the previous month and that we owed late fees and interest. 
3. On XX/XX/XXXX, we contacted Bank Of America by phone and they indicated that if we paid immediately with a e-check, they would waive the late fees. We authorized an e-check for the full amount of {$5800.00}. 
4. On XX/XX/XXXX we received an overdraft notice from our bank, XXXX XXXX XXXX in XXXX, Ok. We went on line and noted that BOA had sent an e-check for {$58000.00} ( they had added a XXXX to the amount it should have been for ). 
5. On XX/XX/XXXX, we contacted BOA and after an hour on the phone, they indicated that we would receive our money within 5 business days. 
6. On XX/XX/XXXX we went to our bank, XXXX XXXX XXXX, and filed a complaint with them to get the over payment amount back. 
7. On XX/XX/XXXX, we had not received our over payment back, so we contacted BOA again. After almost 3 hours on the phone, we finally made it to a manger - XXXX XXXX - ( XXXX ) XXXX.XXXX - and he indicated we would have our money back within 3 business days, but should be sooner. 
8. On XX/XX/XXXX, we still had not received our money back, we contacted BOA / XXXX XXXX and he indicated that a BOA Supervisor was not comfortable sending that much money back to us ... so he would not authorize it. He was not sure if or when it would be sent back. 
9. On XX/XX/XXXX, we filed a complaint with the OCC. 
10. On XX/XX/XXXX, we contacted XXXX XXXX XXXX to see what progress they had made in recovering the theft. 
11. On XX/XX/XXXX, we reached out to CFPB and filed this complaint. 

We did not authorize BOA to withdraw {$58000.00} from our account. 
We consider this as Bank Fraud / wire fraud. 
We want our money back and they should be penailzed. 

XXXX XXXX XXXX XXXX
XXXX XXXX XXXX was a victim of fraud by XXXX XXXX XXXX XXXX Company No : XXXX ( SRA ID : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fax : XXXX. 

XXXX XXXX was scammed out of XXXX while helping a business associate pay what was believed to be legal retainer fees in return for an Investment Loan in the amount of {$75.00} XXXX. 

XXXX XXXX XXXX XXXX was represented by a person named XXXX XXXX who had advised the business client ( XXXX XXXX of XXXX, TX ) who was supposed to get the investment loan that she could not get the loan unless she paid retainer fees for the loan. XXXX XXXX did not have the funds to pay for the fees ; XXXX XXXX said he was representing the investment firm ( XXXX XXXX XXXX ) who also turned out to be a scam. 

XXXX XXXX made two wire payments onXX/XX/XXXX andXX/XX/XXXX to the " law firm '', but realized shortly that the loan and persons representing the investor and the investment company itself were all fraudulent and of XXXX decent. The money was intercepted through a XXXX XXXX XXXX bank account, but XXXX XXXX has not addressed the issue based on recoup of funds with XXXX XXXX ' bank US Bank. 

No one benefited from the scam as there was no collusion with the thieves who intercepted the funds from the XXXX account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX SORT CODE : XXXX ACCOUNT NUMBER/IBAN : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX
2 weeks ago Rushcard informed its customers that they will be having a maintenance update on XXXX XXXX from XXXX to XXXX, OK they informed us to withdraw any money from our accounts that we would need in that time frame by XXXX ( XXXX ) because during that time we would not be able to withdraw, transfer or deposit and funds to the accounts. OK here 's the problem it 's exactly XXXX on XXXX XXXX and Rushcard is still so called updating, I had {$410.00} in my account before this but now it has magically disappeared, I 've emailed them, called them and pm message them several times since yesterday XXXX XXXX around XXXX, when I try to log in using Rushcard mobile app its states either they could n't recognize my card or its locked and now they 've blocked my card it states to call customer service to have your card unlocked or unblocked but when I call I either wait on phone for over XXXX hours, or get hung up on.this is causing me a lot of anxiety and stress I have XXXX and its making things worse for me. If you get on Rushcard fb page its a lot of people going through the exact samething as myself, money missing, ca n't log on mobile site or online site, getting hung up on and we 're not getting any answers so something needs to be done, because they 've taken my money and want unblock my card so someone please help not only me but to everyone else that 's going through this ridiculous situation with Rushcard
Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016 un der the name of  TD Bank USA/Target C. I immediately made contact with   XXXX   to dispute and have this corrected. I 've  been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct. I made contact with Target and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to  XXXX . I mailed the letter to  XXXX  but they are claiming that inquiries are a factual record of file access and will not remove this inquiry and that I need to contact Target directly and follow their internal fraud procedures which I have already done.
They call me before XXXX threating to send me to jail I do n't pay, its constant, I 've asked them to stop but they wo n't quit calling.
This complaint is with original company XXXX XXXX XXXX XXXX XXXX but has been sent to a 3rd party collections, XXXX XXXX XXXX for the amount of {$110.00}. I have attempted several times to dispute this reporting on my own and company has not given a resolution. This account was set up with out my permission and with my personal information. XXXX XXXX XXXX XXXX did not have best practices with verifying if person calling in is the correct party. 

This is injust and i shouldnt be held responsible when my identity was used without verification.
I am in urgent need of your help in this matter. I had a job transfer that has created a hardship for my family. We tried to do a modification with no success. We have been working with a realtor and after several months we finally found a buyer. This is a great offer and it was submitted to Capital One 's short sale department on XX/XX/XXXX, Which we have proof of. The short sale department for Capital One is claiming that they did not receive it until XX/XX/XXXX and that was within 30 days of the foreclosure sale date and denied the short sale. 

We have worked so hard to find a buyer in this hard market and to now be told that we did n't make the deadline because Capital One 's short sale department did n't open what we sent them until XX/XX/XXXX is crushing. We are simply asking for them to postpone the foreclosure sale date for 30 days to allow the review of the short sale. 

I have XXXX boys and XXXX that is in XXXX. It is XXXX time and I do n't want my family to be tossed out of our home right at XXXX. We have lived in this home for over 12 years and have had our struggles like everyone else. We just want the opportunity to be able to at least do a short sale. We are trying to reach out to any upper management at Capital One for help but this is going on deaf ears!!! 
Please Help!! 
God Bless!!
my credit profile indicates specious public record information. I possess no public records or bankruptcies. Information reported is specious and needs to be removed. I contacted the source and have source based data proof from the court. they state they provide no information. As information is supposedly pulled from some type of public records data, it's evident that it's incorrect and should not be reflected on my profile.
I am constantly receiving " Notices to Foreclose '' because my lender, First Republic Bank, is not managing my loan properly. I make monthly payments and they apply them to reduce the principle of the loan instead of making the monthly payment as intended. Out of frustration, I set up my monthly mortgage payment as an auto-debit through my XXXX checking account. They did n't get that processing handled either and, again, I received a " Notice to Foreclose ''. I do n't know what more I can do to get these payments made properly. I am completely convinced that they are making errors in order to charge late fees. I am concerned about their errors as it relates to my credit scores. I have owned eight homes over the last 30 years and I have never, ever had these problems.
I have a power of attorney in which my power of attorney sent the legal document as well as the cease and desist. They were working on a settlement agreement in which was going to be a 12 month payment plan however they stated that I had to set up an auto pay in which i do not have the capability of doing. So then XXXX XXXX got involved and now refuses to speak with my power of attorney stating the document which was notarized was not valid. Refuses to even tell me why and has tried to call me knowing there is a cease and desist on file. Then even when i called she now refuses to agree to the settlement that i could afford.