WillisBack/dataset-financial-user-claim huggingface dataset:
Last month I informed Capital One Auto Finance that my pay dates had changed which would affect my direct auto pay for my vehicle loan. I requested that my XX/XX/XXXX payments begin on XX/XX/2017 and every other Friday thereafter ( XX/XX/XXXX and so on ). I was very clear in my request and was assured that the direct debits would take effect on the above dates. On XX/XX/XXXX, Capital One debited my account in error which overdrew my checking account. I contacted Capital One hoping they would IMMEDIATELY correct THEIR error. I was told that the call that I made to them in XX/XX/XXXX requesting the change would have to be listened to so that they could confirm that a bank error had occurred on their end in debiting my account on an unauthorized date. After they confirmed that this was the case, I was advised that they would return the funds to my bank account. While speaking with Capital One on my landline, I called XXXX on my cell phone. I advised them of the reason for the overdraft and the assurance from Capital One that the funds would be returned to my account. I was told by XXXX that a note would be added to my account so that when the overdraft fee hit my account, once Capital One returned the funds, XXXX would reverse the overdraft fee ( no fee for me and none for Capital One ). I am so upset since the funds have not been put back in my account yet. Yesterday, Tuesday XX/XX/XXXX, I called Capital One to ask why the funds had not been placed back into my account and I basically received a weak response that it POSSIBLY would take place tomorrow ( which is today, Wednesday, XX/XX/XXXX ). Well, that did n't happen. I am writing this complaint for two reasons. Capital One is a XXXX dollar financial institution, it is UNACCEPTABLE and totally UNREASONABLE that when they make an error of {$130.00} that they can not IMMEDIATELY correct that error, especially when they have caused harm to their customer. Also, it is equally UNACCEPTABLE and UNREASONABLE that the harmed consumer is expected to wait an ADDITIONAL time frame when they are to be reimbursed for bank overdraft fees ( if the financial institution issuing the fee is unwilling to reverse the fee due to an unauthorized debit that overdrew the account ). Hopefully by the time you receive this complaint, the entire issue will have been resolved, but that does not negate the fact that a bank of this size is able to conduct business in this manner. I did inform Capital One that I would be filing a complaint with the appropriate regulatory agency which oversees their business activities. This is an unacceptable policy that NEEDS to be addressed. Please reach out to Capital One!
I was a victim of identity theft and followed the procedures outline by the FTC guidelines as found here : XXXX XXXX the FCRA B requires that the credit reporting agency " Block the reporting of any information ... not later than business days after the date of receipt ''. 
Experian, XXXX, XXXX have refused to acknowledge such after receiving all required documents including : proof of identity, copy of identity theft report, consumer statement, etc. 

They are playing games and keep sending me documents by mail that state that I have not provide sufficient information. This is a blatant lie. I have mailed all required identifying information required by the FCRA certified mail and have proof of sending ledgible copies. This is a tactic for stalling and not following the laws.
In XXXX, 2018, Seterus, Inc. sent me another repayment plan. I have made two payments as required by the that plan. However, Seterus, Inc. sent an intent to foreclose even though I made the required payments according to the repayment plan. The intent to foreclose claims that I owe over {$4000.00}, but when I received my XXXX bill for the next mortgage payment, the XXXX bill shows I owe a little over {$3.00}, XXXX. The {$2000.00}. I have made numerous complaints to Seterus, Inc. about sending me repayment plans the its refusal to comply to policy/rules set forth in its own plans! I ask that CFPB investigate the actions of Seterus , Inc .
They have reported some wrongs things on credit report and refuse to remove them. they have also have denied me on a rental applications based on this incorrect information.
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working on getting better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "   XXXX   ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for   XXXX   XXXX   which was a pre legal service/attorney office. She said she was representing  checksmart  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing checksmart. This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful
On Friday,  XXXX  of  XXXX , I received a debt collection letter from   XXXX   dated  XXXX   XXXX ,   XXXX   for a  XXXX   XXXX .     I called on Tuesday,  XXXX   XXXX ,    2017 to  inquire about the collection of {$100.00}. Since my husband and son are both  XXXX   XXXX   I  wanted to know which person it was concerning and to make sure it was not a scam and to also check with my insurance company on why the payment was not paid by them. The debt representative said they could not give me any details concerning the bill because of the law forbidding access to medical records without permission. She did say that the age on record must be my son and not my husband.     I was told that my son who is 21 years of age and in college in  XXXX , CA would have to call them to give them authority to speak with me, his mother, living in Texas.     I immediately texted my son to contact them that day but having a busy class schedule and just a week from exam finals he was unable to call them on  XXXX ,  XXXX ,    2017.      I called   XXXX   at  XXXX  on  XXXX   XXXX ,    2017 b ut they did not have on file a call from my son giving authority so I still could not find out any details concerning the debt.     I reached out to my son again on  XXXX   XXXX ,    2017 and  reminded him to call them and give me the authority to investigate the debt.     Before my son had a chance to call he was contacted by  XXXX  on  XXXX   XXXX ,  2017 an d was asked if he was  XXXX   XXXX  which he replied yes. He was told that he had to pay the debt balance immediately. They asked if he had a credit card and demanded the credit card number immediately. He gave them the credit card info.     My son is only  XXXX  and has not had the experience of dealing with intimidating debt collectors and he was caught off guard as to their ruthless tactics.     Since my son is in school he does not have a job and he is covered on our insurance. For  XXXX  to require payment from him was wrong.     The  XXXX  letter dated  XXXX   XXXX ,   XXXX   said we had 30 days after receiving the notice which was  XXXX   XXXX ,  2017 to  notify the office. I contacted them twice within four business days of receiving the letter and they demanded payment on  the four business  day of recieving the letter.     What happened to the 30 days? They clearly did not give me adequate time to investigate the debt, check with my insurance or perhaps dispute the debt.     We were given no options in those four days! This is not right!       XXXX    XXXX .  XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Payments : P.O.  XXXX   XXXX   XXXX  Oh  XXXX   XXXX
OnXX/XX/18, I applied for a student loan at XXXX. I was immediately approved, with a cosigner ( my brother ) at rates that varied between 7.8 % and 8.8, depending upon my repayment terms. 

I was told by my school, online websites, and the Consumer Financial Protection Bureau, to shop around and compare student loans, so over the next two days, I applied for 3 more student loans in order to compare rates with XXXX XXXX. 

When I realized that the original XXXX XXXX loan was the best rate, as compared to the comparing loans I applied for, and were approved for, I went back and completed the loan documents again at XXXX XXXX. My approved interest rate on the second XXXX XXXX application was 10.2 % to 11.2 %. 

When I called XXXX XXXX, and explained that I wanted to original interest rate I was quoted on XX/XX/XXXX, I was told that my " shopping around for the best rate '' actually impacted my, and my cosigners, credit score and I would not qualify for the original rate they offered me. 

None of my ( or my cosigner 's ) financial circumstances have changed in two days. I should be able to obtain the original loan terms that were offered to me. Students should not be told to shop for the best rate, when this practice will only increase their rate with every comparison.
Allied Collection Services, INC. never sent me a debt collection letter regarding a bill I had with XXXX. They 've called me on my cell phone which is a TCPA violation. On top of this a Collection Rep, XXXX XXXX, told me that if I made a payment plan with them I would n't be reported to the Credit Bureaus. I commenced into a payment plan of {$50.00} per month. They charged {$60.00} to my debit card when they told me it was {$50.00} and said there was a {$10.00} processing charge. Allied Collection Services, INC has no ethics/integrity. They say XXXX thing to me and do another. I asked them to produce the audio recording where the rep XXXX said that it wo n't be reported to the Credit Bureaus. They said recordings are for internal purposes only and wo n't let me review it with them on the phone. I feel like a bunch of my rights are being violated as a consumer. Never received a letter from them saying that I owe money and never had a chance to have the debt validated. This company is a giant fraud.
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
I requested a credit card from XXXX on XXXX XXXX 2016. TransUnion, credit reporting agency deducted XXXX points from my credit score. I called TransUnion but the Supervisor would not give me any information why - XXXX points were deducted instead normal XXXX to XXXX points for hard inquiry. I filed a dispute to TransUnion on XXXX XXXX 2016 but I have not received a response.
I have had an offer on my house that is the amount Wells Fargo set as the purchase amount. That was XXXX months ago. They keep stalling and asking for the same paperwork over and over again. Why, I cant take care of the property any longer and am moving out as we speak. I would not be surprised if the potential new owners walk.Not my problem.
WE REQUEST A RESPONSE, PERTAINING TO OUR QUESTIONS ONLY AND NOT ANY ADDITIONAL INFORMATION AS OCWEN CONSTANTLY WANTS TO PROVIDE! WE DO NOT WANT XXXX XXXX IN THE OMBUDSMAN OFFICE TO RESPOND TO THIS COMPLAINT. XXXX XXXX CONSTANTLY PROVIDES ADDITIONAL INFORMATION WHEN IT WAS NOT REQUESTED, FAILS TO RESOLVE ANY ISSUES! FAILS TO PROVIDE THE INFORMATION THAT WERE ARE SEEKING THROUGH THE CFPB AND FAILS TO PROVIDE DOCUMENTATION. FAILURE TO COMPLY WILL RESULT IN MORE COMPLAINTS FILED AGAINST OCWEN LOAN SERVICING PRIOR TO LEGAL ACTION! 
Last week, I contacted Ocwen Ombudsman office and requested to have a supervisor call me regarding multiple issues. On XXXX XXXX XXXX at XXXX, I called Ocwen Ombudsman office again and spoke with XXXX. She stated that XXXX called us. We reviewed our voice mail and caller ID log and there was no call originated from Ocwen Loan Servicing! As of today, Ocwen has failed to contact us and speak to us regarding the issues that we have. I want to inform Ocwen Loan Servicing that I am a XXXX combat veteran. I get paid for my XXXX through the federal government. If the federal government shuts down for any reason, we would not be able to pay our mortgage. This would be no fault of ours! With this being said, if Ocwen Loan Servicing or any other company dealing with our mortgage loan tries to foreclosure in the future especially without the proper documentation, our attorney and I will request to go to foreclosure mediation where we will in fact inform the court of the fraud and robo-signing that has occurred with this loan! 
Now ; as Ocwen Loan Servicing is fully aware, we had a modification on XXXX XXXX XXXX from Litton Loan Servicing. We started paying on that modification when we found that the modification was fraudulent and stopped paying. On XXXX XXXX XXXX, Litton Loan Servicing filed for foreclosure and recorded this document with the XXXX County Recorder 's Office. We are fully aware, per the Security Exchange Commission that XXXX is the master servicer. The role of a master servicer is an entity that acts on behalf of a trustee for security holders ' benefit in collecting funds from borrower, advancing funds in the event of delinquencies and in the event of default, taking a property through foreclosure. We are requesting the following questions to be answered and provide documentation. 
First, did XXXX participate with our foreclosure ( s ) dated XXXX XXXX XXXX? 
Second, who or which company has Ocwen Loan Servicing been sending our monthly mortgage payments to each month? 
Keep in mind ; failure to respond by answering my questions and failing to provide documentation as requested may appear that Ocwen Loan Servicing is hiding something that maybe against the law! If Ocwen does not have this information, Ocwen can request this information from the appropriate company or companies! Failing to answer and provide documentation as requested will result in more complaints and action taken against Ocwen Loan Servicing!
Constant calls at work even after they were told this is my work number and I am not allowed personal calls. told them they are only to contact me at my home number. Calls seem to be comming from XXXX as they all have an XXXX accent and are hard to understand. Ready to file a suit against them. Same company but different numbers when they call.
The company calling me is also calling my sister every hour claiming to call themselves XXXX XXXX- number is XXXX or XXXX, they sometimes call from an unknown number so you can not block the number. They scream into your VM and threaten you, claim they are going to come and take my car, put a tag on my drivers license, put an arrest warrant out for me, etc. If this was an actual bill collector, they would have had something sent to my house, and/or legal papers delivered! The man also told me if I continue to hang up on him, he will continue to harass my family members, as of which he is doing, every hour of the day, starting at XXXX XXXX. When you call them back, they are rude, will not give you names and get loud and violent over the phone with you. If you call and no one answers, their VM will state that it is full, so you can not leave a message.
citi bank is charging me {$1.00} interest on an account that is paid in full each month. my payment is due on the XXXX of each month and they are saying i made my XX/XX/XXXX payment late as they they received it on Monday XXXX XXXX. my due date was on a sunday. it is my understanding that state and federal law say when i payment is due on a sunday they can not charge a late fee or interest until after the next business day. Citi bank says state and federal law does not apply to them.
Loan was Paid in Full on XX/XX/2018. Balance still showing and loan is still open on my credit report. They refuse to update per their own reporting guideline
I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX However, I have received a debt collection letter from a company called XXXX XXXX XXXX same address as XXXX XXXX XXXX who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XXXX XXXX, XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XXXX XXXX, XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - Equifax, XXXX and XXXX and they have done nothing.
I have been paying an interest rate of 22.99 APR for purchases which should be charged at 14.99 APR.  Spoke to XXXX at Ohio Customer service her Supervisor XXXX and then to XXXX of Discover Support Team of which none would understand since there records does not show any cash advance since it only go back seven years. The interest rate of 14.99 is being charge to a balance of XXXX which amounts to a charge of XXXX cents. The Cash Advance subject to the 22.99 APR is XXXX interest charge of XXXX monthly. 
I have never requested a cash advance of XXXX my last statement shows I have a cash advance limit of XXXX of which XXXX is still available it seems like discover is charging interest rates and adding them to cash advance to be charge a even hire rate. they seem to single out elderly, women, and minorities. I need your help urgently. statement balance is from XX/XX/XXXX and I spoke to above mentioned Discover Reps on XX/XX/XXXX
I just received my XXXX invoice for a credit card I do n't even know how I signed up for it. I called Paypal and they informed me that because I gave them me my last XXXX digits of my SS # during a purchase that It automatically signed me up for this card. I have never received a card. I did not sign up for this card and would not sign up for this card. The interest rate on this card is 19.99 %. I have a extremely high credit score and would have never agreed to that rate. I have a debit card and a credit card link to my account on eBay. I always assumed the Paypal credit option on the list was just for advertisement purposes. In 2015 it should be impossible to unknowingly sign up for a credit card. I feel like Paypal is very deceitful and not using ethical business practices.
Chase credit card services is not properly processing my mailed payments. I have sent my payments off twice this year and have been assessed late fees.
My XXXX XXXX account was compromised earlier this year resulting in several transactions that were not mine. I timely disputed the charges online and spoke with Customer Service multiple times. XXXX XXXX told me in writing not to pay the charges until the dispute is resolved. I have since learned that my account was compromised through written notification from XXXX XXXX. Despite the above, XXXX XXXX has placed my account into collections and is making negative reports to the credit reporting agencies. I have on a weekly basis communicated with XXXX XXXX by telephone to explain the situation, to no avail. I am getting dozens of phone calls a day from XXXX XXXX trying to collect this debt that is not valid.
I took out a private student loan with Peaks Loan to supplement my federal student loans to pay for classes at XXXX XXXX XXXX. XXXX charged exorbitant amounts for a sub-standard education and misled me with inflated job placement and salary information. The degree received from XXXX in 2013 is now rendered completely worthless because XXXX lost its accreditation and closed.