WillisBack/dataset-financial-user-claim huggingface dataset:
Several months ago I received a pre-qualified credit card offer from Capital One. It stated that the majority of people who receive the offer do qualify for the credit card. It stated that my income had to be {$850.00} over my mortgage amount. And it represented my credit report would not receive notice. I completed it, as required. Sometime after that, I received what apparently is supposed to be an adverse action notice ( Exhibit A ). Capital One had denied my application, however their notice was completely lacking in all the important matters required by law. 
Adverse action notices are designed to help consumers by providing transparency to the credit underwriting process and protection against potential credit discrimination by requiring creditors to explain the reasons adverse action was taken. Any valuable information to be useful to the consumer was omitted in Capital Ones notice. No reason was given and I was not provided the statutory information identifying the credit reporting agency. 
I quickly wrote to Capital One to ask for information about their denial ( Exhibit B ). I addressed my income, and such that was sufficient, determined I had been discriminated because of my age. After that, I never heard anything from Capital One. 
On XXXX XXXX, XXXX, again I found myself chasing after information. My letter of that date ( Exhibit C ) details my confusion about the treatment I was receiving. Since it was clear they were questioning my income, I forwarded copies of my XXXX XXXX XXXX. I pointed out the number of laws they continue to break. I never even received an acknowledgment for sending the tax return. 
I have spent a significant amount of time just calling to find out what Capital One is doing. When you call, they ask for your social security number. Once I dial it in the key pad, my experience has been they keep you on hold generally about 45 minutes hoping you will give up and they wont have to bother with you. 
When I called on XXXX XXXX, XXXX, I was fed up. No one should be treated this way, and no one should make the decision they have a right to treat you in such a manner. I called and spoke to XXXX ( Employee No. XXXX ). He didnt know anything about my application. When I told him I was tired of watching them break all the consumer protection laws at my expense, I advised I was going to file a complaint with CFPB. He told me to stay by the phone ; XXXX was going to call me, XXXX did call, but it was just foolishness to cover up the fact that I believe they denied me again. She told me my secured credit card was approved, but of course, that is not what the application was for. I did note, notwithstanding that fact that they represented my credit report would not have any record of the application, my credit report showed a hard hit inquiry from Capital One on XXXX XXXX, XXXX XXXX ExhibitD ). Then yesterday, I received a notice from XXXX showing another hard hit inquiry by Capital One dated XXXX XXXX, XXXX ( EXHIBIT E ). 
This was all one single application. It is against the law for them to file two hard hits for one application.
Nationstar Mortgage company is the company that serviced our Mortgage since XXXX with an original loan amount of XXXX. This company used gross manipulation tactics, to get us to refinance and now are falling back on what was promised with regards to removal of the PMI from our loan. Calling, sending mailers and emailing again and again until we finally agreed to refinance in XXXX XXXX and at that time we were advised that we would receive a lower interest rate and could change the terms to payoff in 15 years so it was highly beneficial to complete the refinance. When going through the process we also discussed PMI and were advised that once the PMI dropped below 80 % of the original loan amount of XXXX we would no longer be responsible to pay that amount any longer and it would be removed from our payment amount. So we reached out to Nationstar as we are currently at XXXX and the 80 % valuation would be XXXX and we wanted to ensure that it would just auto remove. When contacting their Customer Service and PMI support we now are being advised that the amount is based on the Refinanced amount and that the new percent is 75 % of the loan amount at time of refinance for the PMI to be removed, which was in no way communicated to us. We would have not refinanced at all if there were any changes to the PMI as we were working hard to pay the balance down so that amount could come back to us and not continue to be removed. The representative said that this is because of XXXX and that the amounts are different now. This is wrong and we need help in getting resolution to this matter and ensuring that Nationstar can not continue to take advantage of customers this way. This is a lie and gross manipulation tactics and we need your help to resolve.
I have had a probem with a credit card my wife got thru walmart/ synchrony bank.I asked for a settlement on the account due to divorce and i made the payments as scheduled and even called on around the XX/XX/XXXX to make sure everything was ok and i was assured that everything was ok and the debt was taken care of i should receive a letter stating the same later in the month .I just received a letter today stating i didnt make the payments as arranged and that this will be declared a bad debt. I just got hung up on by the sychrony bank because they say they are missing my last payment after another rep said it was made plus i have proof that my check has their endorsement on it
I 've submitted disputes with the  XXXX  national credit reporting agencies (  XXXX ,  Equifax  and   XXXX    ) concerning (  XXXX  )  XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ), I 'm notified by my own ( not the credit bureau ( s ) credit monitoring alerts, a general " Meet FCRA   requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated   XXXX   XXXX   , 2017.  The credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report and credit score tremendously by making appear more at risk to lenders.
There is a old credit card debt that is unverifiable and past the statute. I have disputed and nothing has been resolved. Please help
The collection agency reported to the XXXX that they 're report is accurate and it was not included to the Bankruptcy.
My house is sold and I'm trying to get a mortgage but because experian is reporting my installment loan as a mortgage, they say it's because of the way it's being reported by XXXX XXXX XXXX, XXXX
sent police report ftc violation and hacking bbva compass, XXXX  or XXXX XXXX fail to look into the ftc violation
Chase Bank : Original complaint : Case XXXX Referred from Office of the Comptroller of the Currency, CAG. 

Payment was made over the phone to closed Chase card on XX/XX/2018. According to XXXX XXXX XXXX, the agent " misapplied '' funds, so that the funds were not deposited into account until 14 days later. This resulted in credit reporting with late payment. I called Chase bank personally on the XXXX, and again on the XXXX asking where the funds were. The bank only stated that the funds were not paid, refused to look for payment, and did not want confirmation number showing the funds were transferred out of my account to Chase on XX/XX/18. 

After notification to Chase, I was told that bank could not " correct '' negative information. Additionally, they re-reported the " late payment account '' after notification of their mistake, and my account closed with a {$0.00} ballance. 

This directly caused an increase in my insurance quoting for my business and home. This was the only negative information or change to my credit reporting between quote and notification of final cost.
I have a Chase Bank " Slate '' credit card. The interest rate used to be somewhere around 16 % ( perhaps lower - I do n't remember ). I have had this card for several years. Two years ago, I was late with 2 payments. Chase bank immediately jacked up my interest rate to 22 %. I have made my payments all on time since then and my credit score is now XXXX. But Chase refuses to lower my interest rate to something more reasonable, telling me that 22 % is the lowest 'available ' rate and that 's all I 'm going to get. Women ca n't pay those kinds of rates - we do n't make that kind of money! And I 'm over XXXX! I always pay my bills. I 've never filed for bankruptcy. I 've never defaulted on anything. I feel like I 'm getting truly rotten treatment - and this from a bank that was bailed out by my taxpayer dollars - to the tune of XXXX dollars!
Winn Law group placed a levy on our bank account, returned the money when they found it was n't us but have not responded to our many attempts to get all the incurred fee 's ( {$300.00} ) - when we contacted BBB they said to have us call them - they never answer or return calls. after looking into them- there are several complaints about this company yet they 're still in business.. Somebody can just drain your funds, and have no recourse for their error is unbelievable?
ALL inquires listed below are fraudulent! i never applied nor do i have credit card with those creditors! 
i spoke with the creditors back in XX/XX/XXXX and they said it will be removed, its been 4 months and its still on my report ( Experian ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. 
XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/XXXX XXXX
I made my monthly payment of XXXX directly at PNC Bank on Friday XX/XX/XXXX. The payment was due on XX/XX/XXXX. I received another one of their " so called '' don't lose your home attempts to extort more money out of me than is due. This is the second time in eight months I have had to report this PNC Bank stupidity to your organization. You have always helped me. It looks like this misappropriated my payment to someone else account again. They refuse to account for the money I have paid in the form of statements. They are crooks and should be jailed rather than handling home mortgages and home owners loans. from here on out. Their lie they can't do this because of a bankruptcy from eight years ago is unexcuseable now. They are a crumby institution. 
I want an accounting of every XXXX I have paid them and a statement every SINGLE month -Yours Truly Second time in eight months. How stupid can they be. As for the publish request below. PLEASE DO! And thank you again.
I have an acct with Harley Davidson Financial that was due XX/XX/XXXX. On XX/XX/XXXX I spoke with them and explained my situation to them and told them I would be making the payment on XX/XX/XXXX over the internet. They accepted that date at that time. I have been missing numerous calls from them since then. At lease 6 a day. 

I have had the loan since XX/XX/XXXX and asked them to remove my work number from their call list over a year ago. They called me at my place of employment twice last week. 

Yesterday XXXX they called me 3 times. I answered the third call and they informed me that my acct was past due from XX/XX/XXXX and asked if I could make a payment over the phone at that time. I told them that I had already set up an appointment to pay it online on XX/XX/XXXX, then I told them I was at work and could n't talk, but that I would call them back after XXXX, she said that was fine. They continued to call me 3 more times ( total of 6 ). I again answered the 6th call ( XXXX XXXX ). Again they told me my acct was past due from XX/XX/XXXX and wanted to know if I could make a payment over the phone. Again for the 2nd time that same day told them I had already set up an appointment to pay online on XX/XX/XXXX. I asked to speak with a supervisor to find out why I 'm getting 6 calls a day after I had made an appointment and they had accepted it. The supervisor told me that phone call was just a follow up call that they routinely do when an appointment to pay is 7 days or more out. I told him I did not believe that since the operator asked me if I could make a payment over the phone now. I also pointed out that I had already spoken with someone that morning and had already verified my appointment. I informed him at that time that I would be filing a complaint here for harassment. 

Then today XX/XX/XXXX I get 3 more calls in which I am able to get away from work in order to answer the 3rd call. Again they inform me that my acct is past due from XX/XX/XXXX and can I make a payment over the phone now. I again ( for the 4th time ) inform them that I already have an accepted appointment for XX/XX/XXXX and would again like to speak to another supervisor. The supervisor tells me this is a follow up call to verify the appointment because the appointment is 7 days out. I explain to her that 7 days out was yesterday and that I had already had this exact same conversation with a different supervisor yesterday. She put me on hold and returned to the line. She said she could see all of the notes from XX/XX/XXXX when I originally made the appointment and saw the calls and conversations from yesterday including the conversation with the other supervisor. She said she could also see the note where he told me I would not receive any further calls until after XX/XX/XXXX. I also informed her that I would still be filing this complaint due to harassment. 6 phone calls from XXXX to XXXX XXXX including XXXX conversations was uncalled for and harassment, especially when I have an appointment already accepted by them.
A medical bill was paid by insurance last year in full. This company repeatedly calls from spoofed numbers, sometimes up to 5 times per day. They never leave a message or answer when I pick up the phone. They started harassing my XXXX year old son during school hours on his phone. When I call them they try to tell me that I owe {$61.00}. I have submitted the proof that this was paid on numerous occasions and yet they still call. Calling my son was the last straw.
On  XXXX   XXXX ,   XXXX   I received a promotional offer for 24 months no interest financing on my Home Depot Credit Card. I conducted an over {$15000.00} transaction on  XXXX   XXXX  after being assured via email that I would qualify for that promotional rate.  Home Depot  has never honored that commitment. I have been in communications with them since that time and now they have stooped responding. I have tried to resolve this issue with  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  and  XXXX   XXXX  a Customer Care Resolution Expeditor. They refer me to  Citi B ank who tells me that I have to talk to  Home Depo t.
I was hospitalized after a XXXX accident. I had {$35000.00} worth of bills. At the time I had medicaid share of cost of {$300.00}. Being that my bills were way over {$300.00} my share of cost turned into full coverage. the hospital billed and got paid for all my bills but for whatever reason the hospital left out XXXX bill of {$1700.00}. I called the hospital many times and they said they would bill my insurance however they did not. It was than sent to central financial control a collection agency. I told the reps many time to please bill my insurance and each time they tell me they see the info in my notes but dont know why it was never billed. Months later I find out that they put the bills on all my XXXX credit reports.
Receivables Performance Collection agency is currently reporting a collection on my credit report for the amount of {$1800.00}. I understand that as a consumer it is my right to challenge items on my report that i believe is incorrect therefore I sent out a second round of a debt validation letter asking the agency to prove to me that this debt is mine n XX/XX/2018. I sent this letter certified mail with a return receipt and have seen that this company have received my dispute but has yet to answer me and it has been over 30 days. They also have not updated the account to say that i am currently disputing this item which is a violation on their behalf.
Had three unauthorized transactions on XXXX  app done without my consent or knowledge. The first was on XX/XX/2018 for {$300.00} and the other two were on XX/XX/2018 for {$1000.00} each ( {$2000.00} total ). I reached out to XXXX and tried to get it reversed. However, they said since the account it was sent to is one that I had a previous affiliation with that they could not do anything and that I would have to resolve the dispute with the person who received the money. She did not want to give it back so I filed a police report on XX/XX/2018 regarding the unauthorized transactions. 

I then contacted my bank with the police report and they reversed the charges from XXXX. I was contacted on XX/XX/2018 by XXXX  saying that I owed them {$2300.00} or else I would be sent to collections. I explained the police report and how the bank reversed the funds due to fraud and they were insistent that their terms of agreement say that I must resolve it with the person who received my money. I told them I refused to pay for fraud and they threatened to shut down my account and send me to collections for {$2300.00}. I spoke with a representative both in online chat and on the phone from XXXX.
The collection with XXXX was placed into dispute back in XXXX. The dispute reached XXXX in the month of XXXX and was completed XXXX. XXXX states that on XXXX/XXXX/16 Experian contacted their office and XXXX advised them that the account was no longer in dispute and that the dispute was completed in XXXX. As per a conversation with Experian on XXXX/XXXX/2016, they are stating that this conversation never happened. That their records show the dispute as being completed but they can not update their notes removing the account in dispute information.
After reviewing my annual credit report I noticed a hard inquire that I never approved from CIS Information Serv on XX/XX/2017. I attempted to reach creditor and was unable to.
I attempted to get a personal loan through an online lender called XXXX XXXX. The lender told me I was approved for XXXX and that they would deposit the funds into my bank account and that they needed my verbal password I provided them with the password and they stated that they were going to put a portion of the funds into my amount and that I had the return it in order to get the full amount of the loan. In actuality they called my bank impersonating me and requested credits on my account in the amount of XXXX. When I started to discover this I contacted the banks to stop the credits and was told I would not be liable. And later I contacted Bank of Americas fraud team and they informed me because the verbal password was given I was responsible for paying but the credits they were reversed. Since that time my son s SSI which he receives from his fathers XXXX was taken twice to cover the debt. And we lost our apartment because we use they additional income to help cover our bills. We had to sleep in our car and stay in motels and homeless shelter do to this. This has been devastating for me and my children and now my bank account has been force closed I filed a police and nothing has happened.
I have a credit card  ( visa ) w  ith Wells Fargo Bank  and my statements are reflecting  XXXX  different interests charges that I must pay otherwise I will never get out of debt with them! I had gone paperless since  XXXX  and it was n't until a company known as    XXXX   XXXX    XXXX  th at I realized I was being charged a fee each month for insurance that did not apply to me, so I requested all of my statements from  Wells Fargo. I  was told that my minimum payment was calculated : Interest rate times new balance plus 1 % of my new balance and when charged additional interest its calculation : Interest rate time my average daily balance.   Since I have not charged on my visa since   XXXX   XXXX   XXXX   my minimum payment and my  Interest  charged are still running neck to neck in which that would be the case since my balance is being charged interest twice! In order to get my visa lower I have to add additional monies in which will thereby would lower my principle balance! Right now I have interest charge d by Wells Fargo Bank o ver {$5000.00}. I am trying to find out if  1.Is this legal and 2. If not would this be classified under RICO?
I did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX  and XXXX and XXXX attachment is my police report for fraud
I am currently a customer of TD bank ... .small electronic debits were attempted from a merchant which caused my account to be overdrawn.the bank charged me XXXX in overdraft fees, i contacted them to have these fees reversed and was denied ... Imagine XXXX overdraft fees for a XXXX transaction.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX 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 XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
I refinanced my rental home and my loan was sold to XXXX XXXX on XX/XX/XXXX. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month ofXX/XX/XXXX. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
My credit report is showing I owe a collection agency ( COMMONWEALTH FINANCIAL SYSTEMS, INC ) for 2 medical services I NEVER received, let alone step into a hospital! I am in NO WAY ASSOCIATED with this claim and ask that this is removed from my report. I have done research on this company and see that it is a FRAUDULENT COMPANY that has done this to many people! 

{$1100.00} Opened XX/XX/2018 ( 1 mo ) Account status Open {$780.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type