WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX, I am a single-owner XXXX with no full time employees. We're so small that our credit cards for business are all taken in my name. My company 's name is - XXXX XXXX, XXXX dba XXXX XXXX XXXX. 

This complaint - about Capital One visa -- is centered around an Insurance company 's push to collect ( going back to XX/XX/XXXX ) advance payment for 2 Insurance policies ( only 1 needed ) that were soon after deemed to " not have the right coverage '' and the upper limits of {$3.00} Mil to cover our risks on contracts for our customers. And, the second policy was paid for in XX/XX/XXXX for {$2300.00} on our Capital One visa. Soon after paying this way, we found out that we had no insurance coverage ( Per our sales rep - XXXX XXXX, at XXXX XXXX, affiliate of XXXX XXXX XXXX XXXX ). 

There are parties at the XXXX XXXX XXXX that have been forcing re-bills for the transaction with Capital One believing whatever story that they have, and refusing to hold up the validity of all of our Documents/ Proof attached -- - Including the Virginia State Corporation 's involvement in our case with them. ( see attachment called " 2 refunds and 2 forced re-bills ). 

Please see all attachments and most important to start -- is a PDF of the XX/XX/XXXX purchase of -- {$2300.00} that was Refunded by Capital One when we contacted them in XX/XX/XXXX after XXXX XXXX XXXX XXXX notified us that we had " no special overages as required by our company, that they wanted to charge {$2300.00} for premise liability only- '' - which at that time, the first policy attempt with XXXX  that was cancelled to the inception was only {$690.00}. 

Please note, that although this insurance company 's short ( refunded {$200.00} less than owed ) on that first policy, written for only 10 days in XXXX, that the short refund on that one ( paid by check ) was {$490.00} only when we had paid {$690.00} for it 2 weeks earlier. 

All proof and documents attached, including emails between myself and this insurance company. THEY STILL OWE - XXXX XXXX XXXX over {$2500.00}, including the {$2300.00} and Capital One has NOT EVER PROVEN THAT WE OWED IT.
360 Mort gage is acting in bad faith in connection with a real estate transaction and acting as a foreclosure mill in refusing to adhere to standard real estate practices. At issue is borrower is looking to avoid foreclosure and has had an offer to sell their proper ty. 360  Mortgage has advised that the offer is too low based on their appraisal which is almost 6 months old. We have contacted the investor who has advised they are opening and working on a value dispute and that dispute should be completed by the end of the month to determine the value of the property.  360 Mortga ge was made aware that investor has opened a value dispute but has determined on their own to take the property to foreclosure sale prior to the value dispute being completed. This is completely unethical and acting in bad faith while parties are in the process  of negotiating a real estate transaction. Additionally 360 Mortgage 's appraisal is set to expire in approximately 2 to 3 weeks at which time they will be required to order a new value. 360 Mor tgage would rather foreclose on the borrower than to comply with standard real estate rules and regs when negotiating offers. This is unacceptable.
I paid the debt over the phone with my credit card and these crooks still reported it as unpaid to the credit company!!!
I called Transunion on Tuesday,  XXXX   XXXX ,    2017  to have a temporary lift of my credit freeze so that an employer could check my credit. Transunion said that I would receive a pin i n 3-5 bu siness days because I never initially received a pin because the freeze was initiated through  XXXX . I have a pin for  XXXX  and  XXXX , but not Transunion. I called back on Wednesday,  XXXX   XXXX ,    2017  and asked to speak to a supervisor, then they said that it take s 5-7 bus iness days. Today is Thursday,  XXXX   XXXX ,  2017  and there is still no mail from Transunion. I really need to receive the pin to lift the freeze before I miss a job opportunity for lack of receipt of my pin.
Harvard Collection Services ( possible owner XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX and XXXX ( XXXX XXXX ) Fax : ( XXXX ) XXXX they are calling my ( XXXX ) place of employment.
NCB MANAGEMENT SERVICES , INC . 
XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : XXXX XXXX Contacts my work cell phone continuously for a debt collection that I am not the consumer I am the consumers daughter they continuously harasses me even after verbal requests not to contact me and a written letter was sent with the Consumer Protection Act was quoted and sent XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX
I have been trying for the past 7 days to initiate a freeze on my credit report online at Equifax. I was able to quickly and without problems perform the same operation online with XXXX and XXXX. I do not wish to attempt a freeze with Equifax via telephone, as I am concerned about security. For 7 days I have experienced various unavailability of pages, and inabilities to complete the process online with Equifax. I believe this is either intentional, or gross incompetence. Either way, I believe Equifax should be forced to take their service offline. They do not deserve the trust of the American public.
Fair collections and outsourcing are reporting on my credit report saying I owe them a debt. I never agreed or signed any contract with FCO. They sent me a contract via cfpb with a signature that is ntot mines and lied saying I never contacted or spoke with anyone verbally. I have no abiding contract with FCO and they refuse to stop reporting on my credit report. They are in violation with the Fair Credit Reporting Act.
MY LOCAL LOWES STORE SUBMITTED MY CHECK FOR {$10.00} TO US BANK AFTER I HAD RETURNED MERCHANDISE TO THE STORE. THE STORE REFUNDED THE {$10.00} TO ME FOR THE ERROR. I CONTACED US BANK AND ADVISED OF THE ERROR. US BANK STATED THEY COULD DO NOTHING ABOUT IT BECAUSE THE TRANSCATION WAS A CHECK. XXXX RECEIVED PAYMENT FOR THE CHECK FROM MY US BANK ACCOUNT. A COUPLE WEEKS LATER AN UNKNOWN CHECK FOR {$25.00} THAT I DID NOT WRITE AND XXXX DID NOT PRESENT WAS LEVIED AGAINST MY BANK ACCOUNT. I CONTTACTED US BANK UPON SEEING THE CHARGE PRIOR TO THE CHARGE BEING DEBITED AGAINST MY ACCOUNT. I INFORMED US BANK THE ITEM FOR {$25.00} WAS UNKNOWN TO ME, WAS NOT A CHECK I WROTE, PRESENTED NOR AUTHORIZED FOR PAYMENT TO ANY PERSON OR COMPANY. I REQUESTED US BANK IMMEDIATELY INITIATE STOP PAYMENT AND A FRAUD INVESTIGATION. US BANK REFUSED TO DO SO, PAID THE ITEM AND CHARGED MY ACCOUNT $ XXXX- 4 TIMES IN OVERDRAFT FEES. LOWES DID NOT PRESENT THE {$25.00} CHECK TO US BANK FOR PAYMENT. TO DATE AS I ADVISED US BANK NO PERSON OR COMPANY HAS EVER CONTACTED ME REGARDING AN NSF CHECK. ADDITIONALLY I HAVE COPY OF THE ORIGINAL {$10.00} CHECK AND IT HAS NEITHER A STAMP NOR INDICATION UPON IT AS RETURNED NSF TO XXXX. US BANK IS AND WAS AWARE OF XXXX ERROR IN DEPOSITING THE CHECK. AS WEL US BANK EMAILED ME A STATEMENT DOCUMENTING IF LOWES REFUNDED THE {$10.00} TO ME ALL OVERDRAFT FEES LEVIED WOULD BE RETURNED TO MY ACCOUNT. YET TO DATE US BANK HAS REFUSED TO RETURN ANY OF THE OVERDRAFT FEES BACK INTO MY ACCOUNT.
XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit verifies the debt sure the have my ss # and address that does not mean they can report an old debt.
In  XXXX   XXXX , I began communicati ng to CitiMortgage via web interface, email, and US Postal Service that sale of my home was imminent. I asked multiple times for them to respond in writing to my requests and to acknowledge receipt of information. They did not on any occasion communicate with me, though they DID communicate a payoff amou nt to  XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX .  Two mo nths payments were missed during this process, as I was unable to make the payments.     On  XXXX   XXXX ,  XXXX , payoff of the mortgage was made in full. Proof of rec eipt by CitiMortgage w as obtained on  XXXX   XXXX ,  XXXX . Nonetheless, foreclosure proceedings were started on  XXXX   XXXX ,  XXXX .  CitiMortgage had  previously used the excuse that their computer systems do n't talk to each other well, so this del ay may have been due to that issue. Despite their internal problem, my credit report has been marred  for nearly 7 years with, " Foreclosure process started. '' The foreclosure service even indicated by phone on  XXXX / XXXX / XXXX  that they were not going to do anything because the account had been closed.     I have tried several times since then to have  CitiMortgage remov e that note, beginning on  XXXX   XXXX ,  XXXX . I have never received any correspondence  from CitiMortage even so much as acknowledging receipt of letters, or answering any of my inquiries. This problem has continued to affect my credit report and score, and needs to be eliminated from my credit report. My   XXXX   child will be starting college in the fall, and I need the credit report to be corrected NOW to prevent it from hampering the student loan process, as it has every year for the past four years.
I filed a CPFB complaint previously ( XXXX ) regarding my mortgage with Ditech. Despite their intention in their response to this complaint to correct their errors of accounting for our timely payments, Ditech has continued to misapply our funds paid and continues to show a deficit in our payments of {$350.00}. See my attached letter sent to Ditech XXXX XXXX, 2016 both through their online portal and by mail. This amount is from their incorrect accounting of our supplemental payment of {$450.00} + {$90.00} late fee we made on XXXX XXXX, 2016. They credited our account {$90.00} but took the {$450.00} out of our account in an attempt to correct their errors and never reapplied it. {$450.00} - $ XXXX= {$350.00}, showing as a deficit in our account despite us having paid the full payment. Today XXXX XXXX, 2016 we received a certified letter stating that we are in default for {$350.00}. My intention is to pay this amount to stop any further inappropriate action on their part toward default or foreclosure while continuing to try to find one rational intelligent person at Ditech to remedy their errors and reapply correctly the {$350.00} Ditech has stolen from us. 
XXXX XXXX XXXX XXXX
Signed up and used XXXX XXXX XXXX credit card and was charged interest and late fees even though I made electronic payments through my bank on the due date indicated on the Billing Statement ( or the last working day prior to the due date if it was a weekend day ). 

I contacted American Express about this and the first time they reversed the interest change and late fee, the XXXX time they refused to reverse the late fee. I was given various reasons about why this happened but nothing I was told ( like I needed to send payment earlier than the due date ( should that be XXXX day or XXXX week or XXXX months prior ; made no since to me since I have always paid my bills on the due date without issue until now ). 

Resolution for me was to cancel the account and pay a final interest charge ( they had a very imaginative description for this charge ). 

This feels like a very predatory business practice that should be stopped.
My personal information and that of my wife was divulged as part of the XX/XX/2017 Equifax breach. I confirmed our data was included on Equifax 's web site at https : //www.equifaxsecurity2017.com/.
Penny Mac is a servicer to XXXX XXXX 's customers. This will never happen. XXXX XXXX XXXX prepared my Home Modification, not PM. This PM business is to offer a quality service and this will never happen. This Home Mod was about XX/XX/XXXX or XX/XX/XXXX. Since PM became a servicer of my loan, which is to be forwarded to XXXX XXXX, XXXX has been my total nightmare. They are all snakes in the bushes, when they smile, they rattle. The criminal acts that have been against me has escalated out of control. Firstly, they found out about my age, threaten to foreclose, stolen my social security check, ( they transferred my money back with a fight and the name of that woman is XXXX ), racketeering, false pretenses, violations of laws, my civil rights, personal property, forgery, demanding I walk away, per XXXX XXXX and PM. Then, PM contacted the IRS, without my permission, on an enquiry, if I owed any taxes and of course, it was negative. Another evil act. Comes again a letter from last week, indicating that my XXXX anniversary is coming up and I will be receiving {$5000.00} off the balance of my loan and this was another oversight. Another lie. Today, in the mail, I receive a stupid document outlining that they are investigating my complaints and will be in contact in a month. I have received these same stupid documents and what follows is a, " Dear XXXX '', without prejudice, in other words. They are failures and always will be. There are so many lawsuits against them, it is sickening. This alleged business needs to be prosecuted to the fullest, license revoked and doors closed permanently. Their business practices and employees are the worst of the worst. Again, I want my {$5.00}, per month, times 24 months, which was for a certified return receipt that I had to pay to submit my payment every month, which is unlawful. I had been in contact with various businesses and this was unacceptable. Never an apology, sympathy, gratitude, respected, etc. I detest PM, who have destroyed my life. 
XX/XX/XXXX, I had requested the balance of my loan and it was around {$38000.00} and now it is about close to {$40000.00}. There is another fraud and more criminal offenses. 
I want CFPB to publish this all over the web. I want the viewers to read how bad they are and what acts that occur against the innocent. I want my justice.
I have submitted documents on many occasions as well as submitted many disputes with supporting documents, and they will not remove the items or correct my credit report. There are duplicate entries and I will show these accounts as they are same account, as well as others they are ignoring I have submitted based on FTC affidavits.
TD BANK XXXX hasnt reported my credit card account to XXXX  and XXXX  its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told TD BANK XXXX that this credit card account belong to me and it only been reported to XXXX  and they refuse to report to other two credit agencies and never heard back from TD BANK account number ending XXXX and i would need this account to be reported ASAP THANK YOU
I obtained a loan thru XXXX XXXX for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as Nationwide Debt Management. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following Friday. However, the agent ( XXXX XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am XXXX from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -
In XXXX XXXX, I noticed a significant increase in my credit card bill which I utilized for medical treatment. I am an XXXX XXXX service member and am struggling significantly with finances due to frequent combat deployments and military relocation. I have requested that Care Credit waive this nearly {$2000.00} interest fee, and they have opted not to respond. My family and I have served 13 years in the XXXX XXXX and have been devastated by exploitative civilian companies who prey on service members due to our lack of options with relocating. I have been abused, oppressed, and exploited by companies similar to Care Credit due to lack of options and being forced to relocate at the demand of the government.
Both my family and myself were contacted by someone who identified themselves as investigators. They did not identify what company they were from and have been contacting us on unknown/restricted numbers. My family contacted me to express their concerns, as they though that the investigators were trying to reach me because of a criminal complaint. We feel that we are being bullied by 5th 3rd Bank and their 3rd party company, XXXX ( sp? ).
Phoenix Financial is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also. 
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine! 
I have disputed it with the bureaus and they have done nothing.
This dispute is in reference to a previous case # XXXX I filed with you and received a response from the SLS. Please review the document they sent you dated XXXX. In the response sent you on XXXX/XXXX/2015 SLs states that my XXXX payment in the amount of XXXX is still due and this is correct. They also state later in the correspondence that the effective date was moved to XXXX/XXXX/2015. I paid my payment of XXXX to SLS and they are showing receipt but have not applied to my loan. I have also completed the paper for a assistance, mainly a forbearance for my mortgage. I believe these actions of delay are intentional. I also believe I am being discriminated against and their purpose is to make me lose my home by delaying processing on my mortage. I am asking for assistance in the matter. Please forward the the company please. My loan number is XXXX
I received an email from XXXX notifying me that my XXXX card has been closed. I called XXXX and they said the account was closed due to inactivity, and that a letter was sent to me on XX/XX/2018. I had intentions to use the card for any upcoming medical expenses, and thankfully Ive not had any medical expenses throughout these years. I do not believe this is a sufficient way to notify someone that their account will be closed as mail can be lost and/or stolen and I never received an email or phone call from them. Due to the account being closed by XXXX, my credit score is now being affected.
I was helped in the emergenecy room on XX/XX/XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I have insurance and recieved a bill from them after insurance paid their part. The bill was paid in full in XX/XX/XXXX, but I recently found out they sent me another bill in XX/XX/XXXX or XX/XX/XXXX and i no longer lived at that residence and never recieved a bill. I found all of this out on XX/XX/XXXX and contacted the emergency room provider XXXX XXXX and was told my bill was in collections. I asked the person who helped me over the phone if they could let me pay the bill i never received of XXXX cents. So now I have a collection on my name from transworld systems, XXXX XXXX, XXXX, de,XXXX. I have a collection on my credit now and would like to know what process i can take to remove this collection off my credit as ive already paid the debt to the medical office i never received a bill from.
I refinanced my home with Embrace Home XXXX and closed on XXXX XXXX, 2015. I refinanced from a 30yr mortgage with no MIP. The MIP was removed after 5 years and after my LTV was below 78 %. After about 2 years I decided to refinance for a lower rate and no MIP. I refinanced with a streamline 15yr mortgage. No upfront MIP and no annual MIP. I have made payments for a year and then Embrace decided to withdraw money from my Escrow account without my knowledge to pay form MIP. They withdrew money to pay for taxes and insurance and caused my escrow account to be short. After trying to get them to understand that I did not have MIP, they decided to refund my account. After refunding my account they said my loan should have had MIP. Based on what the lender and other lenders I shopped with before deciding to go with Embrace my loan does not have MIP. I did not sign any documents that stated this loan would have MIP. All loan disclosures we signed only stated payment would consist of P & I, taxes and insurance. How can 1 year after closing a bank just can add insurance to a loan and remove money from accounts that they have no rights to. It is my understanding that nothing can be added to a loan after closing. If there was a clerical error they could contact me to correct that but. nothing regarding the amount of loan, interest or any other payments could be added. Please help I have tried since XXXX of this year to get this corrected and they can not seem to fix this problem. It seems that the bank should be fined and held responsible for this error and correct the problem or pay my house off. I attempted to make a payment today online like I normally do and could not, because the payment amount is incorrect because of this problem. They have added MIP to my payment and well as a shortage amount which they caused the shortage themselves by steeling money from my escrow account. I have attached my Final HUD, Truth and lending statement, which show no MIP at closing. I have also attached my first payment stub which also shows no MIP. The current payment know shows MIP and escrow shortage. This need to be corrected