WillisBack/dataset-financial-user-claim huggingface dataset:
We have had a continuing issue with Capital One Spark Card posting payments on time. Latest issue was in XX/XX/XXXX. Payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$1500.00} ( considerably more than the amount due and enough to pay the entire card ) on-line via our XXXX XXXX bank account. XXXX XXXX records show they sent the {$1500.00} payment via paper check through US Mail on XX/XX/XXXX. I was disappointed that these two mega banks could not find a way to transfer funds electronicaly to each other, but thought all would be fine because we still had 4-5 days until payment was due. Should be enough time for mail delivery and posting, or so I thought. 

Unfortunately, Capital One did not post payment until XX/XX/XXXX, a full 18 calendar days after I sent funds on line through XXXX XXXX. Either XXXX XXXX did not truly send funds on XX/XX/XXXX, the check got held up in the mail, or Capital One was very slow in posting payment. In the meantime, Capital One sent an update to credit reporting agencies that we were 60 days past due on payment. My FICO score dropped 41 points overnight as a result. We are looking to re-fi our home mortgage, and this dropped my score below 700. Now the lender we were working with is no longer willing to give us best rates. 

In researching this issue with both XXXX and CapOne, we have learned that this has been a consistent issue for several months- payment takes up to three weeks to post ( I have dates from bank statements, confirmed by XXXX service ). By the way, XXXX XXXX service has been terrific. CapOne- not so much. My understanding is that XXXX has contacted CapOne to confirm to CapOne that they ( XXXX ) sent payment on XX/XX/XXXX. So, CapOne should be well aware that this is their error- not mine or XXXX XXXX . 

My complaint is that CapOne seems to have sloppy operations where it takes them up to two works or more to post payment after they have evidently received it. Their neglect should NOT have a negative impact to my credit rating. XXXX XXXX has been great. I have made mutiple calls to CapOne and they say their is nothing they can do, other than to look into it again which will take an additional 60-90 days. They have alrady looked into it and sent me confirmation that eveything they have reported is accurate. I have very little confidence that they even understand my complaint- THAT IT TAKES THEM TWO WEEKS+ TO POST PAYMENT. They seem to be stuck on their actual posting date, and say all is accurate because the posting date is what was sent to reporting agencies. They keep missing my point that the whole issue is that they have had a check in hand for two weeks and they have failed to post it. Not my fault they have XXXX operations, but my credit rating has seen considerable damage as a result of their sloppiness.
I have {$100000.00} of loan debt via Sallie Mae/Navient, and XXXX  They continue to mislead me in regards to interest rates, I am the victim of high inflation rates, aggressive collection tactics, incorrect account balances, inaccurate payment allocation, uncooperative customer service, missing documents and records of phone conversations
I had open an bank account with chase, I thought it was really neat to take a picture with your phone to deposit you check its was convent for me. That way I do n't have to wait in line to deposit the check, anyways check went though and I received my money no problem 2 week later I had got XXXX a notification on my phone say that I owe the money and that I needed to pay it back I call and complaint about it and they said that its my fault that some other back had cash the check in there account which i do not have an other account with anyone. So as of right now, my back is over draft and I 'm not paying it for something I did n't do. so now Im using a pre paid debt card that I have to pay to put money to pay my bills ....
This is my 3rd letter sent to Chase Bank, all by certified mail of requesting that you remove inaccurate information from my file or prove that it belongs to me. 

Below is both my letter to Chase Bank sent on XXXX XXXX, 2015 and my complaint to the CFPB about the reckless Banking Behavior on Chase Banks ' part. 
Please see attached documentation all sent via certified mail to chase bank. 
TO CHASE : On XX/XX/2015 You received a XXXX demand letter, this was sent certified mail XXXX that was signed for by your company. As of today you have failed to provide me with the proof I have lawfully requested. since you have not supplied the demanded proof of the account, under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the all alleged account, nor therefore any such account, in fact exists. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair And Accurate Reporting Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 









FCRADamages for a Willful ViolationIf you can show that the credit reporting agency information furnisher, or entity using the information willfully violated its obligations under the FCRA, then you may be entitled to recover up to all of the following damages : Basic Damages-actual ( provable ) damages ( no limit ), or-statutory damages damages between {$100.00} and $ XXXXyour actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ). 
Punitive damages, as decided by the court. 
Attorneys fees and costs. 
Definition of " Willful '' A willful violation does n't just mean that you have to prove that the entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklessly -- that is, the entity knew or should have known that it was running afoul of the FCRA. 
Damages for a Negligent ViolationYou are also entitled to damages if you can show that the entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), andattorneys fees and costs. 


As Per The Fair And Accurate Reporting Act : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Convergent Outsourcing is attempting to collect on an account that I have no knowledge of and that I have already reported to the credit bureaus as not being my account. The only thing that I keep receiving back is that the account has been verified which is not the truth because this account does not belong to me.
XXXX XXXX ( XXXX XXXX ) is in contractual violation of the lease to an apartment I rented from them from XXXX. They falsified inspection documents after I moved out and then continued to claim that I owed them more money, each time I would pay what they asked for. I finally told them enough was enough, at which point - they sold off the " claimed '' debt to a collection agency.. this is my last resort at getting this resolved before I take them to court. I've attached documents for reference. There is much more documentation, going back over two years. I refuse to continued to be bullied by this company - enough is enough!
My husband placed a purchase with XXXX XXXX and they canceled the order stating I had a past due balance with them. So I called XXXX XXXX and they said they sent the account to a collection agency and could n't tell me what the balance was for or what the balance even was. So I asked how can you as the original creditor tell me I had a balance with you but you have no information. A asked why I never received statements the rep said they do n't sent out statements. I need validation of this debt.
I have made several attempts to view my Equifax report. I keep getting denied and no explanation why. I requested a copy for my yearly free credit report, and again today based on some recent credit denials. I was denied a second time today with no explanation or clear way explained to request them.
We had leased phones from XXXX/CIT Finance LLC located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX on XX/XX/XXXX. 
We were always in good payment standing. In XX/XX/XXXX, we downsized from our storefront XXXX XXXX to a 5th-floor space. We also downsized our employee force to meet ends. When we interrogated the new leasing agents for the phone installation, they informed us that their building did not have wired phones but only digital phone connections. I went back and told the company to take the phones back and cancel my account. They keep insisting that I have to pay for 60 months. It clearly says, the XXXX, CIT Finance LLC are authorized to purchase the equipment but they told me they can not. I see it clearly mentioned in the contract. I went to their legal department to cancel this account and take the phones back, they informed me that the only time they will do that when you business structure has changed. I told them, my business structure did change. I downsized and the new building and ALSO does not support wired phones from CIT. All of a sudden, they said that is not enough reason to cancel the account. 
I have already paid {$2900.00} for 34 months until XX/XX/XXXX. The original lease was 60 months at {$86.00}. They invoiced me for another $ XXXX-Total buyout with equipment keep. 

This is not fair. They need to take the equipment back. 
Kindly resolve this matter as we do not need the phones and we paid them enough already. This contract and terms are very ambiguous. 
Best, XXXX XXXX XXXX XXXX XXXX Tax ID # XXXX New Address-XXXX XXXX XXXX XXXX, NY XXXX XXXX
PRA continues debt collection on an old XXXX XXXX account they bought from XXXX Bank. XXXX bought the account from XXXX on XXXX/XXXX/14. According to my records this account is now beyond the statute of limitations in the State of Tennessee of six years. I have emailed and mailed request to PRA to have this debt taken out of collections status since they can no longer sue me over this. They have not responded to any of my request.
Incompetent Discover card prepared a letter dated XX/XX/2018 on case number XXXX claiming based on new information received that they are applying the disputed amount back to the account based on new information received. There was NO new information attached to the letter it was the same old information submitted previously by the merchant.
Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.
On   XX/XX/XXXX   I sold something on  XXXX  for {$2000.00}, and the buyer paid through PayPal. I received {$1900.00} in  PayPal  after  PayPal  's fees. After receiving the package, the buyer requested a refund. I said ok, the buyer shipped back the packaging, and I issued the refund. The refund was processed through  XXXX  and {$1900.00} was subtracted from my bank account. However, due to a glitch in the  PayPal  system, my  PayPal  balance was additionally debited by {$1900.00}, resulting in a negative balance of that amount in my  PayPal  account. I was charged {$3900.00}. After spending a few hours on hold and through department transfers on PayPal, they acknowledged th at it was PayPal 's error, a " glitch in their system '' and apologized. They credited my PayPal acc ount {$1900.00} on   XX/XX/XXXX .  However, on   XX/XX/XXXX  , PayPal 's system informed me that a " Temporary credit issued by paypal '' has expired and would soon be debited from my paypal account again. On   XX/XX/XXXX ,  my account was again charged {$1900.00}. I furiously called  PayPal again, and after about 4 hours on hold and otherwise, PayPal again  acknowledged that it was an error on their part and would reverse the charge on my account. They reversed the charge and I received {$1900.00} back. This exact same situation happened on   XX/XX/XXXX  . I was furious that my account was charged again by their automated system, and for spending so many hours on the phone and having an issue repeat itself, and I demanded that they ensure it does not happen again. They ensured this, however today on   XX/XX/XXXX ,  my account was again charged  XXXX . After many promises, apologies, and acknowledgments of error, PayPal has done nothing. I have spend dozens of hours on the phone and am considering legal action to recover compensation for my money and lost time.
XXXX XXXX XXXX is a collection agency that works for XXXX XXXX. I agreed to a payment plan with the XXXX XXXX XXXX collection agency to prevent any negative remarks from being reported to Credit Bureaus. The XXXX XXXX  XXXX collection agency received my payment and then reneged on our agreement. I spoke to several rude and incompetent supervisors that work for this collection agency. XXXX XXXX was the main supervisor that was extremely unprofessional and rude. XXXX XXXX is the supervisor that reported the negative remarks on my credit report. I contacted XXXX XXXX directly and resolved this matter by paying the {$670.00} in full. The XXXXXXXX XXXX  business office assured me that everything would be taking care of and the negative remark on my credit would be removed from my credit report. I received an email from the XXXX XXXX business office stating that the XXXX XXXX   XXXX collection agency informed them that the removing of the negative items on my credit report would take 2-3 months to remove. Unacceptable!!!
My name is XXXX XXXX, I sent TransUnion a section 609 of FCRA request on XXXX/XXXX/XXXX. I have yet to be notified of action they 're taking to honor my request. This request was sent USPS Certified Mail [ XXXX ], delivery date of XXXX/XXXX/XXXX. Trans Union is in violation of the FCRA for not properly sending me proof to validate the information in my credit report that they continue to report. Trans Union is required to have a copy of a physical application or contract with my endorsement, for them to have legal rights to report this information.
My experience with this bank on weekends is disappointing, questionable and curious. When I deposit funds on a weekend ( weekend as defined by this bank : Friday afternoon, Saturday, Sunday and Monday  XXXX  the credit does not hit my account until the bank settles it Monday night. But if a debit hits the account during those times the bank debits the account immediately. Specifically on   XXXX   they debited my account for a {$150.00} check. I had insufficient funds so they bounced the check and also charged me a {$36.00} overdraft fee. I was notified of this fee, etc. via an email from the bank I received on morning of  XXXX  and only finally saw when I checked my emails afternoon of  XXXX .! Also on  XXXX  about  XXXX  P.M. I made a cash withdrawal of {$70.00} from an ATM out of this account. Question #  1  : Why did they allow this withdrawal? Why was it not denied. Question #  2 :  Why did n't they wait until they settle weekend credits to also settle weekend debits?! Settling credits this way is disadvantageous to me, and allowing debits this way is advantageous to this bank. It does n't seem right to me. It seems wrong and illegal. In the past I received emails from this bank that a debit hit my account larger than my balance, and I was given a  three or four da y grace period to move funds into my account to cover the debit, and the bank did not charge me an overdraft fee. So why did the bank not send me a warning email and allow me to at least move funds into the account to cover the debit on Saturday, Sunday or Monday so that that credit would take care of the debit when the bank settles everything Monday night for the " weekend '' ( it 's even worse and a longer " weekend '' if Monday is a bank holiday ). Help. Thank you.
I was denied by XXXX XXXX XXXX reporting agency?? Who is that and why is my credit information being denied by this company?
I filed a previous complain with consumer financial regarding Gateway One Lending and Finance, case number XXXX. Gateway One has sent representatives to MY HOME, contacted my sister ( as stated in my previous complaint ), however, now they have reached out to my best friend, informing her of my debt. In the company 's response to Consumer financial they insisted they would no longer contact family members, friends, or make harassing phone calls to me. They have not honored that agreement. The company has called me at least 10x '' s per day ( which I can prove with voice messages ). My husband has reached out to a representative named XXXX @ ext. XXXX informing him a payment would be made to satisfy the outstanding balance on XXXX XXXX, 2016 once we are in receipt of my husband 's monies withdrawn from his 401k. In addition to coming to my home and disclosing my personal information without my consent to my sister and friend, the company continues to make harassing phone calls, and came to my phone. I have had a car loan before and never have I experienced such harassing and aggressive action by a lender. Gateway one has also gone into my bank account without my consent or authorization, I was told representatives can hear me give consent for the lender to access my account for payment when a payment was made 2 days prior ( paid my XXXX and called representatives the same day to provide confirmation number ) to them attempting to withdraw monies. I have asked repeatedly to hear this recording, however I was told I needed to obtain a court order. I will have to take legal action if these issues are not resolved, this does not feel by their words or interactions with me, to be a legitimate lender as they often convey themselves in such an inappropriate, aggressive manner.
XXXX XXXXl attacking my credit scores for their error -opted for automatic payments in XXXX XXXX -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX
2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.
After contacting onemain they attempted to acquire personal information from me to include address, phone number and full SSN. As soon I informed them that this wasn't my account and that I recently filed for identity theft with the police department and sent the report to all three credit bureaus they told me that my account was transferred to XXXX XXXX XXXX ( XXXX ) and to contact them ; which never showed as a debt collection company on my file. I contacted XXXX and informed them of the same information and they went through the verification process as well but noticed a large amount of identification errors from address and birthday and amount claiming to be owed. I called XXXX back after never receiving a fraud packet that i requested and they told me they sent the account back to onemain and labeled it as fraudulent account. So i called onemain back and inquired again, and of course they wanted more personal information to verify who i was and then instead of talking to me informed me of the attempt to collect a debt. I finally got to a dispute representative who said they used to be Springleaf financial  and I informed them of the account be settled/wrote off due to breach of contract which the Springleaf respresentative in XXXX, South Carolina acknowledged. They attempted to spike my interest rate after the first payment was made which I informed them was an illegal interest rate for an XXXX XXXX XXXX per the Soldier/Sailor Civil Relief Act. I never heard from Springleaf again and here we are 5 years later with tarnished credit due to myself never being contacted or informed of any type of selling of the account or merger with another business. I never borrowed that much from springleaf so the ammount is also far from accurate. I am not an uneducated adolescent new to the credit world. Anyone can pull my current loans, credit lines or reports and see that my accounts are current and never missed a payment ; so why would I have done that then. I have integrity and if Springleaf would have be as integral neither the onemain or myself would be in this position. As the consumer I am attempting to purchase a home and can not do so because of something 5 years ago still haunting me now because of a mistake made by an account which onemain took over.
cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank  Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX, RENTAL PROPERTY XXXX, XXXX XXXX XXXX not mine idtheft victim
We had a death and change of address in the family where we did not know an HOA changed, we had auto payments going to the wrong address which I provided a death certificate and proof. Once we found out it was too late and the HOA payments went to collections. I engaged with the collections agency and told them what happened but they would not accept my offer to pay the due fees and insisted on exorbitant legal fees. They never were in contact with anyone so why would they go in this direction. They won't accept my fair offer.
please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and transunion. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.