WillisBack/dataset-financial-user-claim huggingface dataset:
I initiated a {$2500.00} transfer from my Capital One 360 Savings account to an external account on XX/XX/XXXX. As of the writing of this complaint, XX/XX/XXXX at XXXX XXXX PST, I have not received the funds into my account. I sent a message via XXXX after attempting to get through on the bank customer service phone line. ( High call volume ). The response via XXXX indicated that transfers to external accounts take two business days ( it has now been 6 business days ).  I was told to initiateI a secure chat through an online session. The result is that I am being told to wait ANOTHER TWO business days to research the issue with no direct point of contact for follow-up. 

This is not the first instance of this occurring. In the last instance my account overdrafted due to the delay in funds transfer. I have a credit bill due TODAY for which those funds are needed with another bill due tomorrow. I initiated the transfer with sufficient time ( per XXXX message the standard is two business days ). 

While they are " researching '' the issue, they have not provided a direct point of contact, issue # or service agreement that I will receive any communication in response to the research. 

I have had multiple investment accounts and savings accounts with Capital One for 10 years and this level of service shows a blatant disregard for customers. 

Sincerely, XXXX XXXX XXXX
I obtained a copy of my credit report in XX/XX/XXXX. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/XXXX, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my Experian and XXXX reports immediately.
please help me my mortgage company approved for a loan modification however i noticed that my original loan balance was {$390000.00}. Now as of today i received the final modification agreement stating that my loan amount is {$390000.00} and they also adding {$280000.00}. for no reason. 
Bank of America is trying to take advantage of me and my family. We called Bank of America seeking help due to our hardship and it is not fair that because our hardship Bank of America is taking advantage. 


PLEASE HELP!!!!!
QUALITY LOAN SERVICE CORP ( QLS ) BLATANTLY VIOLATES FEDERAL AND STATE STATUTES AS IT PURSUES ILLEGAL FORECLOSURE OF OUR HOME WITH ITS " SELF-EXECUTING MANUFACTURED DOCUMENTS '' ... PLEASE HELP!!! 

QLS, IN ITS XXXX XXXX, 2015 CORRESPONDENCE, VIA ITS PARENT COMPANY [ XXXX AND XXXX ] MAKES ITS OWN ADMISSION THAT THE NOTICE OF DEFAULT IT RECORDED AGAINST OUR HOME IS FRAUDULENT! ... AND GIVES EVIDENCE TO ITS CONTINUING BLATANT VIOLATIONS OF FDCPA STATUTES. 

PLEASE SEE ATTACHED DETAILS. 

THANK YOU FOR YOUR URGENT HELP!
My son, XXXX XXXX XXXX, falsely claiming to have power of attorney got access/was given my court ordered spousal support payments, ensuring my ex husband, XXXX XXXX XXXX, that he would administrate my finances. He insinuated his way into my business, including a loan I had at XXXX XXXX on my Jeep Commander. I had an auto-pay arrangement for my car payments. I am not sure how XXXX was paying them but he missed, and/or was late and the car was repossessed. The bank sent everything to him not me, even though I was the client and had the loan. I have no idea what happened. XXXX caused terrible trouble for me from XX/XX/XXXX -XX/XX/XXXX before he stopped. I have to clean up this mess because it is preventing me from getting an auto loan.
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I saw a blip on my Credit report from this company claiming I owe some sort of medical bill from 2010. This bill is not mine and this company is known to be fraudulent.
I attempted to get a home loan with Homeside Financial. a  company located in XXXX, Ohio. In process of credit background checking this company Hard Checked my credit XXXX times. All individual hard credit checks. and destroyed my credit forcing me to get an FHA loan from another company.
I was in a car accident dated XX/XX/XXXXand I was falsely accused at fault. I had no support system at the time and I was very young. Anyways, I told the police officer my side of the story, and he cited me a ticket, even though I was the last person he talked too. The person who was actually at fault was the one who stopped in the middle of the bridge, with no hazard lights on while traffic on the opposite side of her was still in motion. My insurance company dropped me, and they did n't pay for no property damages, and no liability damages. ( Please note at that time : liability insurance was not required by the state of Florida ) So the driver that stopped in the middle of the bridge ends up suiting each vehicle that was involved in the accident, it was 4 vehicles total that was involved. So I get a letter from a debt collection agency saying that I owe them XXXX. Little did I know, at that time, I actually did n't owe them a debt, because I never had an account with them. But they are making me sign a contract stating that I owe XXXX and I could settle for {$4500.00}. So I took the settlement for {$4500.00}. I paid them onXX/XX/XXXX, and the next day, I was a victim of ID Theft. So I called them and told them what happened, and now they tell me I owe XXXX all because I did n't pay them as agreed, which I did pay them. I got a letter from on XX/XX/XXXXstating they are going to have my license and registration privileges revoked if I do n't pay the debt that I owe them. Which I do n't owe them anything, because I never had an account with them at all.
I recently disputed an account on my Experian credit report, XXXX XXXX, because I did not recognize an old paid off charge off. It was investigated by Experian and deemed to be mine, but then they reaged the account on my Experian credit report to show the date of last delinquency as XXXX even though the account has been paid off since XXXX. This caused my FICO score to drop by over XXXX points because it 's showing a brand new delinquency when there is no delinquency. I contacted Experian by email, but no remedy has been applied. This is going to cost me a lot of money in higher APR 's as well as potentially altering my current credit cards/loans into risk based pricing. I feel that this was done as a deterrent/adverse action to disputing information on my credit report.
There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Debt buyers law firm filed only account statement made by law firm and affadavit of debt no other documents to prove ownership I filed counter claim now they want a mutual release to end lawsuit
I filed a complaint with the CFPB about a month ago concerning XXXX XXXX XXXX. I was told that nothing could be done because you were unable to contact the company. Since then the collection agency that is attempting to collect on their behalf has now started reporting two accounts for the same debt. I did break the leas for this apartment, but only after I spoke to the manager at the time. I inquired on what it would cost me to terminate my lease early and was told if I could leave by a certain date and if the apartment ws clean and move in ready there would be no additional charges as they had a new tenant waiting for an apartment. I have tried to contact both the apartment and the collection agency to find out where they came up with this balance and they have continued to ignore me and have added on an additional account to my credit report.
My last XXXX banks someone has been able to steal all my money and use it to reroute my mail steal funds by overdraft bill pay and inflated utility bills also has stolen my identity to get a home loan car loan credit card line of equity and formed an LLC fleet trucking co and modify my credit reports bank statements ect. All made possible by network monitoring and hacking my network and all my devices this has also been done to my mom who died in XXXX {$25000.00} stole lawsuits filtering it through the LLC with a tax ID totaling in the millions and taxes claimed also
After getting information today ( XXXX/XXXX/2017 ) that my SSN may have been compromised on XXXX/XXXX/17, I tried to contact the XXXX credit reporting agencies to request an initial fraud alert. I was unable to make a request either online or via the phone number provided for XXXX or XXXX. I went through the process on the Equifax automated phone system and was eventually told that there was already an initial fraud alert for my SSN. I did not request this initial fraud alert and am concerned that someone else has my SSN and has requested the initial fraud alert so that they are contacted with credit requests instead of me. The Equifax automated phone system told me to send additional information to their Office of Fraud Assistance in order to request ( another? ) initial fraud alert. I tried to contact a representative at Equifax to find out when this initial fraud alert was placed ; however, there was no way to speak with a representative or get that information online. I tried to contact the other credit reporting agencies as well but could not speak with a representative. I called the FTC and CFPB for suggestions on what to do next, and the CFPB representative suggested that I file a complaint here. I also have a XXXX account since my information was part of the XXXX breach a few years ago. According to that account, there has not been any activity using my SSN as of XXXX/XXXX/17 ; however, I 'm trying to be proactive in preventing fraud from occurring at all.
Paid {$640.00} on for appraisal for PMI deletion. Appraisal done   XX/XX/XXXX .   Appraisal  XXXX   . A ppraisal completed by another institution value  XX/XX/XXXX = {$150000.00}. Many things ( like {$40000.00} garage added to the property ) and added another bedroom and bathroom.  Appealed appraisal. Appraiser reviewed and amended the appraisal but did n't change the value of the appraisal. Tried calling the customer service again ( so many times that I do n't even know how many ) L ast attempt today   XX/XX/XXXX   and with no luck - they did not handle my concern and would not allow for another appraisal company to come out to the  property. The customer service dept. tells you that they will call you back on numerous calls and they never do. I know that this appraisal is not accurate. I had another lending institution review it and they stated that the appraiser used comps that were not on the market and one that did not sell. There was a comp  XXXX  mil e from our house that sold   XX/XX/XXXX   for {$150000.00}. They refuse to do anything about the inaccuracy or unfairness of the appraisal completed on their behalf. Also,  the appraiser asked how much we owed on the property ( and I do n't think this is standard ).
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and Columbus Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
My complaint is with Ditech formerly known as GreenTree servicing LLC. I was informed by my Realtor on Saturday that he pulled up auction as he does and my home was listed to go up for auction on Monday XX/XX/XXXX. My home had been up for short sale and has some potential offers coming through. I made contact with Ditech Monday morning XX/XX/XXXX and talked with a rep and asked if sale could be postponed so my realtor can drop price and get an official offer. I was told by the XXXX rep that she will send to upper management and will callback within a hour. No callback so I called and was told still had not heard anything and that I should try back. I called back 2 more times and they new nothing. I called Tuesday morning and talked with my normal Rep XXXX. She looked over case and asks the normal questions is it your intent to keep the property as they do every time you call and I have been since XX/XX/XXXX been saying no its up for short sale. I asked her about auctioning of house scheduled for XX/XX/XXXX and that we have not received any notice and that only reason that we know if because of realtor seeing home on auction list that he gets. She said that we notified your realtor. I said no you didnt and why would you tell them and not send some sort of notice to me the homeowner. She then bags off and says well we cant speak with you because your intent is not to keep that property. I said that has been this way since XX/XX/XXXX and you all have called me 2-3 times a week. XXXX then states that they can talk to me if I call them. I told her once again they have been calling weekly. XXXX hangs puts a manager named XXXX on the line who tells me that my short sale was denied back on XX/XX/XXXX. I informed her that I was not under short sale then. She then tells me that it was denied XX/XX/XXXX. I told her I received a letter from them stating that my modification was denied and that I have other options such as Short Sale or Deed in Lieu of. I am supposed to be doing Short sale so what is problem. She said oh well nothing we can do. I then asked her when was I gon na be notified that house is up for auction and she tells me oh the sheriff will serve you or you will receive certified mail. Neither has happened and auction is on Monday XX/XX/XXXX and its XX/XX/XXXX. This is not the only issue with Ditech formerly known as GreenTree. I have never received notice that they were taken over by Ditech as recovered by law. I also have not received a statement from GreenTree/Ditech in almost 2 years. I have filled out modification paperwork over 7 times only to be denied each and everytime. The have violations they have committed.
AES http : //www.aessuccess.org/ is a company that handles my XXXX private student loans : XXXX loan is in my name solely and then the other XXXX are co-signed ( XXXX by my mother and XXXX by my father ). All XXXX of us log in separately to AES website to pay our individual bills. My complaint is against their customer service and their website on how the loan and billing information is displayed and how the payments are distributed. The information is misleading and the balance does not always accurately reflect a true balance. I logged in this month and the system showed me a balance which matched the exact amount that I have paid on the loans solely in my name for the past 10 years only to find out that AES applied that money to the loan my father co-signed on because his was also due. The information their website showed me did not give me any reason or indication that the money I was sending was going to be applied differently. When my father logged in to pay, his amount was less ( because my money paid part of his loan ) and now my account is delinquent. All three of us logged in and at the time of log in, satisfied the payment balance ... but their system is glitched or does n't properly show the information because the full balance was n't paid because their system never accurately showed the information. Money was sent to the wrong place and then because of it, the wrong balance was shown to my father who then paid less than he usually does ( thinking the rate changed or something happened to lower the payment ). It 's confusing. It creates undue stress and anxiety. Their system needs looked at and their customer service investigated. The supervisor, XXXX, also gave me conflicting information and admitted that she read the screen wrong. Which leads me to believe they struggle with getting accurate information out of their own system. Please investigate and help.
Called bank of america XXXX XXXX to fix my HELOC variable rate. was told by customer service that the rate was to become fixed at the end of the draw period in XXXX automatically. i explained that my paperwork said nothing about the rate being fixed at the end ot the draw period.. Called again the first week in XXXX XXXX to confirm that the rate was fixed as my paperwork did n't call for a rate fix at the end of the draw period.I was told that it was fixed. Called bank of america in mid XXXX XXXX about another issue and inquired again about the rate. i informed the representative that i was told it was fixed and the representative said it wasnt ... ..and they could see the other inquiries to fix the rate in XXXX and XXXX. Funny how this misinformation was given me at the time the federal reserve was meeting to raise the rates ... I feel that i was intentionally misled by bank of america. even though my rate was ultimately fixed in XXXX XXXX it will cost me more per month than it would have if they would have been truthful with me initially. I 'm sure im not the only customer that experienced this. Would like to know how much money was stolen from consumers by this little scam ... ..
Hi, I opened account in XX/XX/XXXX. The banker told me I do had XXXX new account bonus cash when you set up direct deposit total XXXX in 90 days. I finished my qualification in 3 months.But 5 months later, I still not get anything. I contacted them 1 month ago. The customer service said will pay me in one month. But I contacted them today. The manager name XXXX said they don't want to pay it to me. They changed story said I am not Targeted with this offer!!!! They should honor it what they said. I need my XXXX bonus.
AFNI has been reporting a {$51.00} collections account on my credit, every month, on the XXXX of each month ... for SEVERAL years now. 

Attempts to contact the company for an explanation of what this debt is even from has been completely unsuccessful. I have received or seen ZERO documentarion on where this debt is even from.
This is the second time in the past 6 months that TransUnion is not reporting the correct balance of my student loan. TransUnion is claiming that XXXX is not submitting the correct balance and XXXX is claiming that the fault is with TransUnion. Need assistance resolving because this is negatively impacting my credit score for the second time this year. Both institutions are passing the blame and the customer service is is appalling.
I purchased a vehicle from a family member. We contacted the loan company whose name is Prestige Financial. We were told by the company that the loan could be transferred to me after I filled out the proper paperwork. Prestige Financial i.e., XXXX XXXX the representative for the company assured me that upon completing the necessary paperwork that my name would be placed on the title and that the property would be considered mine after the title change. I filled out the papers that was requested. I waited months and the company never put my name on the title. I paid several thousands dollars to Prestige financial. Every time I would go to the DMV they would tell me that the car is not in my name. On XX/XX/2015 after I made a XXXX payment they repossessed the car for reason of none payment. XXXX XXXX stated that I did not own the vehicle and that the responsible owner has to pay for the vehicle herself. I asked why had they deceived me and had me fill out the paperwork if they were not going to title the car to me? and she rudely hung up the phone Everyone else that I tried to talk to at the company refused to provide assistance to me. The legal owner and I made complaints and we got nowhere. In the end the company took my money, refused to refund any portion back to me, failed to place me on the title as promised and has continuously reported to the credit bureaus that I owe them XXXX $ and that I am more than 120 days late every month severely damaging my credit. They are also reporting false information. If you carefully exam the reports you can see the conflicting info. I want them removed from my credit report and reprimanded for fraud and deceit. I also want a refund of all my monies that were paid to them.
Recently the Federal Gov't fined Goldman Sachs {$5.00} XXXX. How do consumers file claims to get reparations.