WillisBack/dataset-financial-user-claim huggingface dataset:
Let me be very specific. Capital One is a company that charges their credit card customers a late fee of $ XXXX, even if payment is made ON THE DUE DATE. They are playing games with EST vs. PST and that there is a time cut off for payments made on the due date. 

This is an egregious, outrageous and in my opinion, disgusting tactic to try and turn late payment fees in to a profit center. When I called in to complain in XXXX to get my fee reversed ( I had forgotten that auto pay had been turned off ) I was met with a rude customer service manager who could have cared less. 

As for my XXXX payment, I tried to pay both online ( their site would not accept new payment options at that time, on the XX/XX/XXXX when I tried to pay ) and my perfectly valid payment method ( a XXXX debit card ) was rejected when I tried to pay via their automated phone tool. 

Their customer service was also not available ( no human available ) despite the fact that it clearly says 24 hour customer service on the back of the card. Are they referring to the automated system that does not work?
My father was XXXX XXXX, and having a hard time managing his money. I was assigned to be a Financial Guardian for my father. This was a court appointed guardianship. In order to help my father manage his money, a checking and a savings account was opened in his name. I also signed the paperwork, although it was signed as the guardian of my father. The guardianship was later terminated by the courts. More than a year later, the savings account overdrafted. The bank sent the overdrafted account into collections. 

My dispute is that this account was opened for my father. The [ senior level ] banker who helped me open the account, was informed of the situation. The banker was aware that this account was to be my fathers account, although I would be managing the account for him. Once the guardianship was terminated, the bank account was still to be for my father, and I was no longer able to manage any funds for him. The account in collections should be against my father only, as this is his account because the guardianship no longer exists. 

I have tried explaining this to the bank, and they would not speak with me. They only sent the account to collections against me.
Following up on an already disputed issue, one which my last inquiry got no response, I am amazed to find that I somehow have a credit card with Bank of America even though it was not usable after my accounts were closed. I had a small amount of credit and attempted to use it and it declined for the smallest of purchase after correspondence stating closure. I called the bank repeatedly and was hung up on several times and disconnected the other few. I am so tired of having to deal with this, I apologize for blaming this bank for not using due diligence in regards to the information I gave to the teller prior to his cashing of the check. I have documented response that my account ( s ) would be closed, the checking account was. How is it I am supposed to pay a credit card you will not allow me to use? This should have been noted, that in fact only the debit card/checking account was no longer in service. However the credit card is in fact not in service either and yet you expect payments? My name is XXXX XXXX, I 'm tired of getting hung up on and disconnected, I am very hopeful for the banks sake this has not go to collections as at that point I will have to escalate this further. How is it that I am unable to open any account through bank of America and all my accounts were closed, yet this remains. Please enlighten me.
I had tried to cancel the service, XXXX, from an annual subscription by doing a chargeback claim in XXXX. I had been charged XXXX as well as XXXX. I had been given back the XXXX but it was then informed that XXXX would not allow the subscription to be canceled. At this point, my account had been deleted so I had no way of unsubscribing from the service. I then reached out to XXXX via email support on XX/XX/XXXX where I had told them the issue of my subscription not being active and also had not been given back the payment of XXXX. They then immediately reactivated the account where I was able to watch 2 movies in the month of XXXX on the XXXX and XXXX. Going into XXXX my account again would not allow me to use the services and requested that I pay an additional fee with each movie. Fast forward to XX/XX/XXXX, I looked at my bank transactions and XXXX is still charging my card as if I was paying for a month to month subscription when I was initially charged for an annual one.
Portfolio Recovery continues to show accounts on my credit reports as open/charge off/120 days late. I 've never opened accounts with this company, they are a junk debt buyer and apparently bought some information in groups from multiple companies. They contacted me over   XXXX   apparent debts they acquired and instead of disputing with them I went ahead and paid them so they would remove the harmful information from my credit reports. This has been going on for months now and these people keep changing information on my credit reports causing me severe harm. I have sent numerous request advising them that they were supposed to delete all of their information from all credit bureaus once I paid them these debts that I never even acquired with them. I have tried so many times to get this fraudulent company to correct and remove there false information that I 'm now faced with fighting this in court. I 'm hoping CFPB will be able to start the process and get this company shut down for good. I 've been following and reading the many court cases and lawsuits brought against them for the very same thing I 'm writing about. Thank you for your time.
EXPERIAN ARE WILLFULLY & RECKLESSLY REPORTING FALSE & INCORRECT INFORMATION ON MY CREDIT REPORT AFTER BEING NOTIFIED OF THE REPORTING ERROR & FAILING TO PROPERLY INVESTIGATE OR CORRECT THE ERROR. THIS INFORMATION THAT EXPERIAN IS REPORTING ON MY CREDIT REPORT IS INACCURATE, UNREASONABLE, UNVERIFIABLE, UNTIMELY AND OR NON-COMPLIANCE WITH THE FCRA RULES AND REGULATIONS. EXPERIAN ALSO FAIL TO PROVIDE ME COPIES OF THE REQUESTED DOCUMENTS THAT WERE USED TO VERIFY THESE INACCURATE ACCOUNT ( S ) THATS REQUIRED UNDER FCRA SECTION 15 U.S.C. 1681G ; THEREFORE, THEY SHOULD HAVE IMMEDIATELY DELETED THE ITEMS IN QUESTIONED ACCORDING TO FCRA 611 ( A ) ( 5 ) ( A ) ( I ). MORE SO, EXPERIAN DELIBERATELY LIED IN THEIR RESPONSE ABOUT A MONTH AGO THAT THEY DELETED THE INCORRECT MAILING ADDRESSES AND NAMES FROM MY REPORT, BUT THEY DID NOT.
On Tuesday  XXXX / XXXX /  XXXX   I spoke to  XXXX   XXXX  about a payment postpone ment ( piggyback ) a nd they agreed to do it. I asked several times about the effect it would have on my credit score. The consultant assured me that my credit score would not be harmed in any way. Today  XXXX / XXXX /  XXXX   I checked my credit score and the company has indeed gone back on their word and reported the payment as a 30 day late. I am now going to file bankruptcy because of the incorrect information I was given on a recorded call. This has effected my credit in such a manner that makes it impossible to fix the situation at hand. The spiral effect that is about to incur is the fault entirely of  XXXX   XXXX .
I contacted the Federal Bankruptcy Court once again on XXXX/XXXX/16 with respect to account ID # XXXX, ID XXXX and ID XXXX. The clerk stated that " they did not provide any information to the Consumer Reporting Agencies and the Court could not delete an inaccurate account. I then contacted Equifax and spoke with XXXX who then transferred me to the supervisor " XXXX ''. Equifax continues to document and state that the Courts have furnished the accounts to the Consumer Reporting Agencies and refuse to grant me the name and/or address of the third party vendor who provided the information to Equifax. The account are [ n ] ot mine are damaging my credit and life. Equifax refuses to provide me with the method of verification as required under 611 ( a ) ( 7 ). Equifax failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification.
I am attempting to clear up my credit reports after the final judgment on a statutory mortgage fraud and wrongful foreclosure lawsuit ruled in my favor. 
The reported no payments on the credit reports are court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began in XXXX of 2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. XXXX is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX refuses to close this and wipe the slate clean. 
This is doing irreparable harm to me as a XXXX veteran health wise and financially.
I spoke with a representative named XXXX. He said I owed {$120.00} but I disputed the amount. I owed {$96.00}. He spoke fast, he changed the amount on the debt 3 times during the call, and he lied and said they were a paperless company when I asked for a print out of my bill. XXXX did not direct me to the web site where I could put in my account information and see the correct amount. XXXX said they were a paperless company but they had sent me a paper invoice a week before.
On XX/XX/2018 I recieved a direct deposit of {$5.00} that brought my account to {$10.00}. On that same day I made a purchase of {$6.00} aXXXX XXXX. The bank charged me a overdraft fee because they say I didn't have enough funds, but I did. When I asked why they charged that overdraft fee they didn't have a reason for it. It took them two days for them to get back to me with a reason why.
I paid my usaa XXXX XXXX card off a month ago. They show and say my balance is XXXX, however usaa has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.
According to my XXXX Credit Report dated XXXX XXXX, XXXX, Sears/CBNA has submitted XXXX requests for credit history information. XXXX requests were submitted in the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX. Contact was made with the, following employees of Citibank , NA the responsible party for this account, on XXXX XXXX, XXXX, XXXX was contacted, on XXXX XXXX, XXXX, XXXX was contacted and on XXXX XXXX, XXXX, Praise was contacted. All three employees stated additional credit inquiries are requested when a major change is made to the account only. Citibank does not make continuous inquiries checks on their customers. However, someone in Citibank is making monthly inquiries into my credit history and on three separate occasions have made XXXX inquires inside one month. There has been no major changes to my account, my account is in good standing. The credit inquiries started XXXX XXXX, XXXX, previous to that there were no inquiries made. I am asking Citibank to investigate this matter as these checks are being used to obtain credit history information for something other than a work related purpose.
Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor GMAC XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.
I hired XXXX to help me with improving my credit. When I called to terminate their service, They tried to add a hiring fee. I am paid up with this company and they wont terminate their service with me. I had to pay XXXX dollars to stop any future payments withdrawn from my checking account. I don't need their services anymore and need help from this company from taking my money. Thank you if you can help me.
Hard Inquiries on my credit report from XXXX - XXXX on XX/XX/2018 I closed credit account with a charge didn't authorized. 
Credit card closed account and removed the charge
I have an account with Conns and my payment are due on the XXXX of the month. I was told originally that my payments will be due on the XXXX of the month. I receive up to 35 calls per day and have advised the representatives that this is harassment. Today I received a phone call at my employer and advised them not to call. The representative hung up. Then I called back and was told they do not have an employer phone number on file for me. When I asked to speak to a supervisor, I got XXXX ID XXXX and asked her to take my employer out of the system that this is not a contact number for me. She advised that she was able to locate the number in the system and has marked it as do not call. I advised of the multiple phone calls to my cell phone daily and she advised that the company is within there rights. I advised her that as a consumer this is harassment and I that I will be filing a complaint with the Federal Trade Commission. I was also advised that I would have 12 months of no payments, no interest and during one of the phone calls, I was advised that once you are late, this goes away. I explained that I was not advised this at the store and told the representative that I was deceived upfront. They also added some kind of insurance on my account automatically for an additional {$500.00} that I was not aware of until I received a letter in the mail. I explained to them that I have my own homeowners insurance and that has yet to be removed. And I also advised them that my balance on my credit report show over {$5000.00} but I only purchase {$3400.00} worth of merchandise. This still has not been corrected.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your Citibank/CBNA of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to CBNA XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with Bank XXXX XXXX XXXX XXXX # XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of XXXX XX/XX/XXXX and to this date no reply or update has been provided. Lastly, XXXX XXXX did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date XXXX XXXX has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.
XXXX XXXX XXXX is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to Equifax. Furthermore, they do not report credit history debt. After I dispute their information being reported and it is removed, XXXX XXXX XXXX report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history.
I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from XXXX, Experian, and XXXX. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports
On XX/XX/2018 I paid over 9,000 dollars in student loans and made the payment in full. I had spoke to a rep over the phone to make my payment with sallae mae. They advised that the loan is now paid in full, now today XX/XX/2018 I receive a bill stating I still ow {$140.00}. I do not believe i Should pay considering a rep had stated that it was now paid in full. I was on auto-pay before and I never missed a payment. I do not believe I should be help responsible considering I was told othewise. Spoke to the Sallae Mae Supervisor and she had stated that she will not waive anything. She spoke to me and interrupted me multiple times. I want this to be known. Sallie Mae is the worst loan company to deal with. Do not ever go to them!
In XXXX of 2016, I noticed that Midland was reporting this collection account on my credit report. I sent a letter asking them to validate the debt. They returned a letter saying they were unable to understand the nature of my dispute. I responded in a letter in XXXX, summarizing my first letter and once again asking them to validate the debt. I only received bills and settlement offers, never validation. I again requested validation in early XXXX. They failed to provide validation as required by federal law.
In XXXX of XXXX, XXXX XXXX XXXX XXXX came to my home to troubleshoot a problem with my XXXX refrigerator. The technician who came did not do anything or order parts, and did not provide a detailed invoice with the services completed during his visit. I was charged {$100.00} for unknown services, which I disputed right away in XXXX, XXXX, and now XXXX. XXXX XXXX XXXX has referred my amount due to The Receivable Management Services, LLC in XXXX, and has denied my dispute. In the pictures shown below, there are no copies of an invoice or receipt for any work completed. I have been a customer with XXXX for over 15 years, or longer, and I have always received an invoice to sign whenever a technician came to my house to fix my refrigerator or washing machine and dryer. Someone has always been present at my house to let the technician inside, and has always been left with a receipt. This is the first time they have either attempted to scam me, coerce/extort me into a payment, or invalidate my dispute.
These XXXX collections have been on my credit report for some time now and I did not know that they were in collections which now is damaging my credit report and scores as i was trying to repair my credit and get it back on track and with advice from an attorney recently, ( bankruptcy attorney ) he advised me to contact the Federal trade commission to try and have these removed as it would help my credit score greatly which is very important to me.
Ocwen Mortgage is incorrectly reporting my credit history. They show XXXX accounts on my credit report when I have had only XXXX. They show late payments that they had agreed not to show as part of an agreement. I have informed them several times and they refuse to correct it which is a violation of FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX, 1997, Filed ( XXXX No. XXXX ) as well as a violation of the precedent set by the XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX
I'm trying to refinance the new auto loan I had through Ally Financial, Inc. with a new lender. Ally reportedly received my check for the payoff on XX/XX/2018. Payments to Ally by mail take 3-5 business days to process, but on the 6th business day it had not posted, which made my account go 30 days past due, which was immediately reported to the credit bureau. Next, on XX/XX/XXXX Ally informed me that the payoff amount was short because ( due to them delaying it ) I owed {$300.00} more in finance charges than the loan is for, and they wouldn't process the check until I made a payment of {$300.00} to cover that gap. I made that payment electronically the same day, and it is the now XX/XX/XXXX. The payoff has still not posted ; I'm chatting with their customer service as I'm writing this complaint, and Ally is saying they " may '' have rejected the check and mailed it back to me ( I've been waiting for over an hour while they try to find out for sure ). If they really have mailed the check back to me, my new lender would have to cancel their loan and I would have to reapply if I still want to refinance -- but because I now have that 30 day late payment on my credit report ( which would've been avoided had they processed the check during the time frame they said they would ), my credit has likely been so adversely impacted that I can no longer get the same interest rate I was promised before. Even if the check HASN'T been mailed and they DO end up processing it, this late payment will likely hurt my chances of being approved for a home loan now, like I am planning to do soon. It seems as though Ally keeps intentionally delaying the payoff so they can make a last-ditch effort to keep charging me as much interest as they can before I refinance, which I feel may even be illegal.
I am XXXX years old. I have bought XXXX houses, numerous auto 's, have had several credit cards and several bank loans. I have also purchased for and paid for several acres of raw land. All of these transactions are fully paid for. I now have no credit score and very little information in my credit file. What has happened to all of this information? I would like for all of the pertinent information put back into my credit file. The lack of this information is affecting my ability to use credit. There should be NO adverse information in my file as I have had fewer than XXXX late fee charges since 1963.
I received a letter from XXXX XXXX, XXXX XXXX XXXX, stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, XXXX FCRA XXXX XXXX b ) ( XXXX ), this item must be deleted from my file.