WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One Auto Finance has made it clear from the start that they favor borrowers that supply them with banking information so they can automatically deduct payments, charge fees, and wreak havoc on borrower 's personal finance generally undetected. I have shielded myself from such a lack of integrity by paying my bill, faithfully on time every month via debit card. I called today to do the same and was told that Capital One has now outsourced debit processing to their " third party '' affiliate that charges {$3.00} online and {$7.00} over the phone to process debit payments. Capital one has essentially created a punitive tax for consumers who won't allow them unrestricted access to their bank accounts which borrowers are under no obligation to provide them with. Can you please protect myself and other borrowers that pay by debit card from this retaliatory measure by Capital One? Make them remove their processing fees for their unnecessary expenditures.
I have XXXX student loans. The first XXXX are in ok shape because they are federal loans with XXXX. I currently do an income based repayment with the federal loans and my payment is {$0.00} a month. However I have a private loan through Sallie Mae that is about to go into default because I ca n't afford to pay the minimum payment. Sallie Mae continues to hound me for money because my account is past due but still refuse to work with me on repayment. I am seriously considering filing bankruptcy because I do n't know what else to do.
I have received multiple voice messages from Navy Federal Credit Union ( NFCU ) on my work phone line, presumably regarding a debt owed by someone who was previously assigned my number but no longer working at my company. I called NFCU twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and explained my situation to their customer service representative. I gave them my phone number and requested it be removed from their system. This is a direct line used by no-one other than myself, and I am not, nor have I ever been, a NFCU customer. The first time the representative said my number was associated with multiple accounts, and he was unable to remove the number unless I was able to provide a name associated with one of those accounts. I have no idea who those people are, and he was unable to further help me with the situation. When I called the second time, the second representative was unable to find my number in their system and told me to wait until I was called again. 

My number : XXXX Incoming phone number as listed on caller ID : XXXX Call-back phone number in NFCU voicemail : XXXX
We moved from our apartment in XX/XX/2014, we transfer all of our utility and was told by the companies that we were paid up on everything. Apparently we were not-We are in the process of trying to buy our home and we pulled out credit a few months prior today. We found a collection on our credit report from XXXX XXXX XXXX. They placed a collection on our credit in XX/XX/2014 for XXXX XXXX XXXX XXXX. This was a very surprising. We have never heard of this company, nor received paperwork from them or the electric company. 

I called and set up payment arrangements with them to take care of the balance, we were under the impression that the account would be removed from our credit report. But the company did not do that-we found out that they re-aged the account to reflect the payments, which made it look like it was a new account on our credit report. My wife tried to call them and she got two different answers from a collector and the supervisor. She was first told that they ( the collection company ) is not reporting the item and they we need to call the original creditor to get it remove. Then the supervisor stated that they report the payments on the credit and will update as need. We told them that we never received paperwork from their company and we were the ones that contacted them- Both the collector and the supervisor didn't have our correct address and we had to correct them twice. The supervisor stated that the company didn't get any returned mail so they are going to keep it on the credit. 
This is not right-I didn't know that I could dispute this debt, or have the right to talk to the original creditor. I still don't have a clue what months I was charged for-I didn't even get a chance to pay it and keep it off my credit report ( the supervisor stated that if the account was in there office over 60 days then they report to the credit companies ) When I paid the bill, I was not advised of any of these rights or that paying this account would re-age this account and lower it 25 points.
I had a credit card payment due on Sunday. The following Monday was a Federal Holiday and the Branch where I make my payments was closed. I made the payment on Tuesday. I was charged a late payment charge and interest on my next statement. I called the Bank 's Credit Card Processing Services and they said they would credit the late payment charge as a courtesy but would not credit the interest charge. The supervisor told me I should have made the payment on the Saturday prior to the due date. Are the late charges and interest proper on the banks behalf?
PLEASE HELP ME!!! 

Experian actions has made it impossible for me to find a place to rent which has caused me to become homeless. They sent a letter saying they will not re-investigate my disputes without sending more information. The burden of proof is not on the consumer. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am XXXX XXXX veteran and need a place to live. They are extremely causing a huge burden on my life. 


XXXX XXXX account balances does not match on reports. EX {$12000.00} ; XXXX XXXX ; XXXX  XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete EX {$33000.00} ; XXXX XXXX ; XXXX  XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. Clearly error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. Clearly an error. 
please delete XXXX XXXX XXXX Please remove duplicate account with payment status " unknown '' is inaccurate. 
Account paid never late which is reflected on the original account XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information. please delete XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information. please delete XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information. please delete
Capital One has a policy of making it as difficult as possible for consumers to dispute charges, most likely because the merchant is being compensated in some manner or other for doing so. Aside from not allowing consumers to provide any details regarding their disputes in Capital One 's online dispute forms or to submit messages electronically -- either securely through their online accounts ( a feature which existed previously but has recently been eliminated by Capital One ) or via email -- the merchant has a policy of both requiring supporting documentation prior to submitting a claim and also permanently rescinding credit issued in connection with claims as soon as said claims are disputed by the merchants in question without giving consumers a chance to rebut the merchants ' response. 

On XXXX I submitted a dispute ( Case # : XXXX ) in connection with a charge for {$2000.00} from XXXX/XXXX/2016 against an attorney who had actively assisted the State of Florida in retaliating against me for trying to call attention to abuses which the State of Florida systematically inundates HUD Programs with in order to undermine the Civil Rights Act, made possible by the criminally unethical practice of allowing County Judges to adjudicate landlord-tenant disputes involving HUD rules without being qualified or authorized to do so -- even in circumstances where County Judges are specifically requested to disqualify themselves from such cases because of the financial ties which all County Judges must have to any landlords who participate in HUD 's programs within any Municipality wherein HUD 's Programs are not fully privatized. Despite the vast amounts of evidence I sent in via fax detailing at great length the unethical conduct of the attorney, Capital One rescinded the credit issued in connection with my dispute on XXXX/XXXX/2016, immediately after the attorney disputed my claim. 

On XXXX I submitted another dispute ( Case # : XXXX ) in the amount of {$310.00} against XXXX XXXX for the abuse I was deliberately subjected to during a XXXX/XXXX/2016 flight from Florida to Georgia for no other reason than being a low-income minority. Before even submitting my claim to the merchant, Capital One demanded supporting documentation, subsequent to which the credit issued in connection with my claim was rescinded.
My mortgage loan is currently serviced by Ocwen. Recently they have increased my mortgage payment from {$190.00} to {$880.00} per month. Ocwen claims that the reason for the increase pertains to my escrow account. My yearly taxes are {$2500.00} and home owners insurance is {$600.00}. Therefore my monthly escrow charges should be {$250.00} per month and not {$680.00} per month. On numerous occasions I have requested that Ocwen address the escrow distortion issues via full escrow accounting ledger. Ocwen has refused to comply. Ocwen has recently modified my mortgage loan, but never recorded a permanent loan modification see attached. They have only issued an arbitrary loan modification agreement that lacks interest amortization schedule and truth in lending disclosure ~ see attached. XXXX these disclosures are required per RESPA law. The modification also contains a balloon disclosure of {$43000.00}. Since no specific terms are defined on the principal balance or amortization schedule, I have no idea what amount I am paying over time. Per the attached statement issued by Ocwen, is shows a XXXX waived balance XXXX principal reduction ) of {$22000.00}. However the statement adds the waived amount back into the the total amount due, which distorts the total amount due. Overall I feel cheated on both the principal balance and the escrow account on my mortgage loan. Ocwen has forwarded my file to an attorney 's office, who in turn has issued a notice of default. I do not want to lose my home and I am seeking your assistance on this matter.
Union Bank has charged me a Loan application fee without my consent. Their claim is because I downloaded and printed the initial loan disclosures, I automatically consented to them and thus I've applied for the loan. There are many issues here. One, without being able to download/print, how can I review the initial disclosure let alone provide an electronic consent. They claim to be following federal reguation/guidelines but are unable to show me evidence of me providing consent. They even sent me a log which showed action as consented and subject as " previously consented '' which I have no idea how they reached that conclusion. The loan officer asked for my credit card to get the third party appraisal but instead, ended up charging me for Loan Application. Even in the initial disclosure, the Loan application fee is listed under Origination fees which only become valid once loan is approved. There is so much deceptive practice here that I am perplexed they are able to keep their license. Their VP of Customer Resolution Manager said I had completed an application, which was actually the application to get PRE-APPROVAL. That's the only application I completed or sent them. Yet they are claiming that I consented to their Initial disclosure but are not providing any proof beyond the print out that I have attached which again says " previously consented '' which I have no idea what it means or what its based on.
On XXXX I made a cash deposit at a BBVA compass ATM machine located at XXXX XXXX XXXX XXXX TX XXXX. The machine prompted " we 're sorry your cash has been retained ''. I contacted them right away and was put through series of questions like I was trying to steal {$54.00} of my own money from BBVA. They provided me with a dispute # XXXX. They stated they will contact me back but they never did. I called and emailed over 5 occasions and was passed on from one department to another and even to the branch itself. Today is XXXX/XXXX/17 and I still do not have my money that I deposited on XXXX/XXXX/17. Everyone there keep saying that they 're limited to what they can do. Please assist. I even asked for their executive relation but was not successful.
I had got Care credit for dental, and after so many months there's was a large sum of interest was added which I didn't even know that was gon na happen. I never received an adequate explanation of the terms. No one explained to me when signing up that was going to happen. I was told I just needed to pay my account balance. I opened this line of credit in XXXX, I struggled in XXXX, because of the added interest amount added and high interest and I couldn't pay. The highest balance was {$600.00}, and I checked my report and now I have a balance of {$1200.00} in collections ( ridiculous ). 

I am writing this because I just came upon this lawsuit against GE capital bank. I am wondering if I am able to get reimbursed due to my situation. Thank you, and I hope to hear from someone soon. 

CFPB Orders GE CareCredit to Refund {$34.00} XXXX for Deceptive Health-Care Credit Card Enrollment
I discovered a debt listed on my credit report. I sent a simple debt validation letter that was received by United Revenue Corp on XXXX. On XXXX, I received a response stating who the debt was allegedly from. In response to the letter, I replied with the this letter ( attached- URC1.pdf ) sent to United Revenue Corp XXXX XXXX XXXX received XXXX. They have not responded. I have never seen this Physician, been to this alleged medical facility, etc, Please delete this false information from my credit report.
I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XX/XX/XXXX. I never receive a response. All of my communications are sent via priority mail.
I am having trouble dispute payment with Chase bank, they refuse to dispute invalid charges even after I submit enough proof. They keep ignoring the evidence I provided and can not give me any reasons why they only trust words from merchants. I strongly doubt their dispute process. 

Date : XX/XX/2018 amounts : {$3200.00} I booked 2 tickets from XXXX   XXXX XXXX to XXXX XXXX on XX/XX/2018 on XXXX. The booking page shows those tickets can be canceled for free within 24 hours. I am using my chase sapphire preferred credit card. 

I canceled those ticket within 24 hours on XXXX because I found better tickets from XXXX XXXX. But later, I found the charge is still on my card. I contacted XXXX, they are not able to resolve it and they suggest me to dispute those charges. 

I submitted dispute requests to JP Morgen chase bank XX/XX/2018. They contacted me later state XXXX sent them proof those tickets are non-refundable. I send the confirmation page when I book those tickets, which clearly state those tickets can be canceled for free in 24 hours in bold and green font at top of the page. 

Chase replied that there are small lines at the bottom states those tickets are not refundable. Then I contacted XXXX and XXXX confirmed that means I can cancel those ticket within 24 hours and after 24 hours non-refundable policy applies. I sent those  communication histories to chase. I also sent them the rule published by Department of Transportation which requires agent and airlines issue tickets that can be canceled within 24 hours. 

After I provided all those solid proof, XXXX XXXX from chase card service called me and still refuse to admit those tickets are cancelable in 24 hours. I asked those pieces of evidence I send does not change their mind they can not give me an answer. I also asked them what other info they need to prove my point. They can not answer. 

This whole process I went through is a huge waste of my time. They just want to use their excuse to stop the dispute regardless what I have provided. If that's their dispute process, I don't see any reason it should be their since they simply trust the merchant and ignore what customer states.
My mortgage is with U.S. Bank. My partner XXXX earlier this year and I provided U.S. Bank with the paperwork to effect the assumption of the mortgage into my name only. Since that time ( XXXX XXXX ), I have been unable to access my account online, creating issues with my payments and ability to monitor my mortgage. Every time I click " make a payment, '' I am presented with an error message. 

I have had literally dozens of communications with U.S. Bank, both on the phone and in writing, since first contacting them about this issue on XXXX XXXX XXXX. The problem remains unresolved. While the customer service person with whom I have contact has tried repeatedly to fix the problem, she has been stymied. U.S. Bank is blaming XXXX XXXX, allegedly the software provider for the mortgage system. I have had multiple conference calls with them, logged on through a portal so that they could capture the " handshake '' between US Bank and XXXX XXXX and the error logs. The last thing I heard, XXXX XXXX had failed to capture the logs even though we had a special meeting with them for this express purpose. XXXX XXXX has also allegedly closed the " ticket '' for my concern at least once, even though this issue is not resolved. 
I have been told that other people who had assumptions of U.S Bank mortgages have had the same issue. 

There is no ETA to getting this issue resolved. Please help.
funds I put in checking account is not adding up. I invested money in cd 's and money market account and some disappeared, also never received a quarterly statements about my accounts in two years.
My account is being handled by XXXX XXXX XXXX XXXX and is being reported as over 90 days late. Trying to have reported as current and willing to pay to bring under 90 days and receive proof via fax by Barcley Bank is not being done, transfered and given differant information.
I had officially revoked my ACH hold. Spoke with my bank ( XXXX ) and the company ( Acceptance Solutions Group ). As they were overcharging me. It took me filing a complaint with the XXXX for them to finally acknowledge the ACH revoke request. After several months my account has started to be charged again. They polulated a check with my account information and just typed in my signature. I have spoken to an attorney and they were NOT to be taking money out of my account. IThis is fraud. I want the payment they took out replaced and I want them to close my account as paid in full as they were supposed to do months ago.
I received a phone call from a telemarketer stating that they were able to help me with my student loans. Because I have been trying to get rid of them I willingly listened and was then transferred over to AmeriTech Financial. The associate, XXXX XXXX came on the line and explained that they helped with reduction and with loan forgiveness of student loans. I know about the forgiveness of loans program and have been trying to get involved with it for quite a while now. 

He had me on the phone for over an hour and all the information that he gave me was improper, though he continued to state that he was on the federal government site and this is what they had for me. 

He sent me a disclosure form to sign so that he could look at my information on the Government Database and asked me to read off the 6 digit number that he sent to me so he could look at my info on the federal government site. No where in his disclosure does he state that he is accessing my personal account with Navient and changing my information on that account. 

After I was off the phone with him, I received an email from XXXX that my username and password was changed. I never gave AmeriTech Financial permission to pull up my XXXX account or change my username or password. I never gave AmeriTech Financial my user name for my XXXX Account and only read them off a 6 digit number that they advised over the phone would give them access to look at my info online and that was me giving them permission to look at the national database. 

I did call the company back as I was upset that I spent all the time I spent on the phone with them for him to want to increase my loan by an additional 10 years so that I can receive a reduced payment of {$70.00} and have $ XXXX off the total of the loan. I complained to a manager who had a solution of putting me on the DO NOT CALL list and that what they do is perfectly fine and many people have many positive solutions, I just didnt have one with them because of my situation.
My home is in a Federally Declared Disaster Area because we were hit by Hurricane XXXX on XX/XX/XXXX. My loan servicer, XXXX, told me that, because my loan is backed by XXXX XXXX and is current, I automatically qualify for a forbearance ... .that my next 3 payments did not need to be paid, and would be added to the end of my loan and that there would be no impact to my credit. XXXX then transferred my loan to another servicer, SLS. During the interim, I received delinquency notices from XXXX, as well as a notification of my housing options ... ..that I could sell my home to avoid foreclosure, do a short sale, and should look for more affordable housing. I also received my very first communication from my new loan servicer, SLS, which was a delinquency notice. I called SLS and was told that they see that I am in a 6 month forbearance, and at the end of the 6 months, ALL 6 PAYMENTS WILL BE DUE ON XX/XX/XXXX, so I should make my payments during the forbearance. I explained that was not what I was told by XXXX and they told me that I should contact XXXX. I called XXXX, asked to be escalated to a supervisor, was put on hold for about 20 minutes and then transferred to a dead voicemail and disconnected. Since that time, XXXX has sent an inspector to my home, when I called to ask why, SLS told me that they do that in case they have to take my home away, they want to make sure the property is being cared for. XXXX has reported me as 30 days past due to the credit bureau. SLS sent me a loss mitigation packet, notifying me of my options for foreclosure, short sale etc because my account is seriously delinquent. I contacted XXXX XXXX, who verified that my property is in a Federal Disaster area and therefore qualifies for a 6 month forbearance. They told me that the loan service companies ARE NOT ALLOWED TO TELL ME TO MAKE PAYMENTS DURING THE FORBEARANCE PERIOD, ARE NOT ALLOWED TO SEND ME DELINQUENT NOTICES, ARE NOT ALLOWED TO THREATEN TO TAKE MY HOME, AND CAN NOT REPORT ME TO THE CREDIT BUREAU AS LATE. Furthermore, at the end of 6 months, I have the option of adding those 6 payments to the end of my loan. I have been harassed by XXXX and SLS repeatedly during hurricane recovery.