WillisBack/dataset-financial-user-claim huggingface dataset:
I lost my job and I had protection on both of my Capital One credit cards. In the meantime, my partner, was the person who always paid my card payments, monthly from HER account. This went on for 4 years approximately. When I was laid off from my job XX/XX/XXXX, I waited the 30 day period Capital One requests before the protection can kick in. When I called they had informed me that I did not have this protection and that it was cancelled XX/XX/XXXX, I advised them I was not the person who cancelled this and that it was possibly my live in partner, who I did not authorize to do so. The woman told me that there was nothing she can do and that I would have to wait for them to pull the tapes and investigate the call. Ironically, I also was informed that this was the same month and year that Capital One stopped offering XXXX XXXX in cases of someone losing a job. I voiced my concern with this, as well as me not authorizing anything to be cancelled and informed her of my partner wrongfully taking my credentials to do things soley because SHE was the one paying for my bills at that time. A few days later I received a phone call and the woman I spoke with rudely told me there was nothing they can do and that the voice tapes states its me who infact cancelled these services and that they were refunded back to my account. I told her I was NOT the one who did this and that I wanted to escalate, she told me that I could not because they pulled tapes. I said well, how do you have proof that it is me? Anyone can call in that is a female, as long as they have the proper information, state they want to do anything to an account. Which is what happened with my ex girlfriend. I told her if I had another females credentials, I also can do the same. Just because someone stated they were me, proceeded to give information, does not mean they are me. I also explained that I found it funny that this was the second time in several years that Capital One had " claimed '' my protection if I became unemployed was " cancelled '' on both cards. This also happened XX/XX/XXXX to me. In which I added it back on and let it go. The woman told me the only thing she can do is adjust the account, which STILL has n't been done, but that is all. She can not help and I am left hanging with payments now behind on both cards due to unemployment.
My consolidated PLUS loans are now serviced by NAVIENT. I am in the IBR program and make a {$420.00} payment every month. Due to the high interest rate on this loan, there is no possible way I can ever pay any of the principal balance on this loan and no possible way I can ever pay down this debt. In XXXX they capitalized over {$3500.00} in interest. How will I ever get out from under this debt if the interest keeps increasing my Principal balance ... I am so frustrated with this unfair and unrealistic position.
I paid off my HELOC a/c with Bank of America on XXXX XXXX. Escrow paid in excess & now Bank owes me a Refund of {$450.00} ( XXXX XXXX & XXXX XXXX dollars ). As per pay off statement Principale & Intrest was paid upto the date & I had no Escrow a/c so there was no tax Liabilities on bank ... ... A request was made on XXXX XXXX to expediate the Refund but till today i, e, XXXX/XXXX/16 no check has been received. A follow up phone calls were made & they keep telling me it is under process & they can refund money upto within 30 Days. 
My question is when customer has everything clean on a/c why they have to keep customer money for 30 days? Is it legal to do that? Also if customer 's payment is late by a day the Bank charge a heavy late payment charges, then on what ground they can hold the customer 's money when whole process is computerised. By adopting this practice these Big Financial Institutions are using millions of dollars of customeers for free. What can be done about it. & where to complain about it, this is not fair to the public. Plz. kindley response Thanks ...
During XXXX of 2017, my wife scheduled but failed to hit submit on our auto payment with XXXX XXXX XXXX XXXX Payment was due on XX/XX/17. On or about XX/XX/17, I discovered this oversight and immediately logged on to XXXX 's website and scheduled a payment for the full amount plus late fee. The payment was not posted until XXXX making the XXXX payment 31 days late. I have full records showing all transactions and can show never missing a payment with them and in fact have since closed the account. I have seen on their website where they state that they will show a payment on the day that it is scheduled not on the date that it is posted. Had they shown this date as XX/XX/17 this payment would have been 28 days late instead of 31 days late. 

I am disputing them showing a late payment on my credit report since this payment by their definition XXXX scheduling date vs. posting date ) is not 30 days late. I have full documentation except for the statement from their website. I am unable to show this at this time since the account has been closed. I have disputed this with them on XXXX separate occasions with no results other than " they are required by law '' to report this late payment. 

Your help would be greatly appreciated. 

Thanks.
My credit file was affected by the XX/XX/XXXXEquifax breach. I have disputed this several times with the companies XXXX XXXX, however Equifax refuses to remove the following fraudulent information that were created in my name during the breach : INQUIRIES : 1. XXXX XXXX : XXXX XXXX, XXXX XXXX - Shoe, Hat, Etc. 
2. XXXX BANK XXXX NA Inquiry : XXXX XXXX, XXXX All Banks 3. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY 4. XXXX   XXXX BANK XXXX : XXXX XXXX, XXXX All Banks 5. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY 6. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY 8. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX   XXXX, CA XXXX 2. XXXX  XXXX  XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ACCOUNTS : 1.XXXX  XXXX BANK XXXX Reported XXXX XX/XX/XXXX {$240.00} Closed 2. XXXX XXXX FACTOR Reported : XX/XX/XXXX. Collections Please remove this information for me. Thank you
I was the XXXX XXXX at a company called XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, when I was laid off. In that time, I opened an internet account with XXXX on the company 's behalf ; XXXX XXXX is the account holder and I was listed as the contact person for installation. I was laid off in XX/XX/XXXX and suspended from all of my accounts. XXXX XXXX stopped paying the bill resulting in the bill going to collections. Over the past two months, I have been receiving daily calls from XXXX XXXX at McCarthy, Burgess and Wolf. I notified XXXX, who told me that as the contact person I am not responsible for payment. I also notified the finance department at XXXX XXXX and they paid the bill and closed the account. Despite all of this, I am still receiving daily calls to my personal cell phone from XXXX XXXX. As of today, he contacted my parents. I am being harassed about a bill that has been paid and is not my responsibility to pay.
I questioned the charges at lease termination in XXXX 2017. I requested a copy of the lease because I misplaced mine. I reviewed it and sent them the following letter : Dear Sirs : I received your bill in XXXX for the lease settlement costs. I questioned the charges and requested a copy of my lease. Now that I have received and reviewed it, I have the following questions : 1. You invoiced me at the rate of {$32.00} per day for 23 days, a total of {$730.00}. The amount, according to the lease, should have been {$690.00} ( calculated as XXXX ( Section 29 of the Agreement ) times the Residual Value of {$17000.00} ( Section 7d of the Agreement ) times 23 days. 
2. Your charge for excess wear on two tires exceeds the cost of two new tires of the same brand and type, XXXX XXXX XXXX. Ive enclosed a copy of an on-line ad, and there were several at similar prices, showing new XXXX XXXX XXXX tires to be {$120.00} each. You charged me {$190.00} for each tire. That seems a bit much to me. Again, there are tires on the vehicle, you are only supposed to be charging for excess wear, not a replacement tire. 
3. You charged me {$110.00} for a missing Center Console Vent Trim. Honestly, I cant understand how it would be missing, if it was ever there. I am single. If anyone sat in the back seat, it was rare. I cant imagine them stealing the vent trim. Regardless, the item is {$18.00} on ebay. Hard to see how it could cost you more than 6 times that amount to obtain one. 
4. The allowable mileage on the lease was XXXX. The mileage at the end of the lease was only XXXX. I understand there is no credit for unused miles, but in view of this and the reasons I put forth above, the other charges appear excessive to me. 
I think the cost would be acceptable somewhere around {$800.00}. Above that I truly feel I am being unfairly gouged. 

They called repeatedly, standard collection calls. I told them I had questioned some of the charges. I never ... NEVER ... received a response to the letter I sent in XXXX, neither by letter or telephone call. I did finally speak with someone who said that they could see that my questions had been reviewed and that the conclusion was that the charges were correct. No other explanation. I walked this person through the calculation of the fee for excess days and they concurred I was right and said they would ask again for it to be reviewed and I should check back in a week. I believe this was in XXXX. I did check back and got the same answer. It had been reviewed and it was correct. No other explanation for where the charges came from, why they were using the amounts they did, why the calculation was wrong per my reading of the contract. Nothing. So we have reached an impasse. I can not get any explanation for the charges, or any answers to my questions. I have never had a company just tell me I owed something and not be willing to explain where the amounts they want to charge me come from.
My husband is an XXXX that was laid off XXXX XXXX, 2015. Knowing that I would not be able to make our mortgage payment I called the mortgage service company and asked to apply for a modification. I was told that I would not be able to apply for a modification because I was current on my mortgage. That I would need to stop making my monthly payment to fall behind and then would able to apply. I did this and was allowed to apply for a forbearance, and was approved for this plan which included to pay a XXXX a month mortgage until my husband became employed again. As soon as my husband became employed again I sent in a copy of his pay stub and then was able to apply for a modification. Doing exactly what I was told to do I sent all the information needed to apply for the modification which is now in review. After my application went to the modification department I was then informed that I should have never been told to stop making my payment to apply. This is not correct information any longer with a new law in place. Now my loan is extremely in default and I know that I will never be able to bring it back to current because of the negligence of the employee who told me to stop making my payment. I fear losing my home because of employees not being educated properly to do their job. XXXX XXXX from the modification department has informed me that she is going to have the phone conversations reviewed and to have them used in education for the employees because the laws have changed and the phone reps need to be giving correct information.
This account was paid by the California state Victums fund. I was the victum of XXXX and was told by the doctor they where billing the fund. I have disputed the item and no proof sent to me it is a total scam but his collection agency who muscles XXXX
On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence.
I am currently attempting to withdraw {$4100.00} USD from my coinbase.com account and and am being blocked. I have no trouble adding funds to my account, but when it comes time to withdraw money it says my ID is not verified and rejects it when I attempt to verify my ID ( even though I am already verified ) and will not tell me what part is wrong. For some odd reason I was able to withdraw a portion of it earlier this week ( {$1800.00} ), but it blocks anymore.

Customer service simply replies with an FAQ email. It does not resolve the issue that I have thousands of dollars in coinbase that I am unable to withdraw. The customer service phone line refuses to help with ID issues.

I have been a verified user of coinbase since 2013. My bank accounts and ID were previously verified. I am left with no course of action to follow to get my money out of coinbase.com
I getting almost daily calls from this agency, threatened and tried to garnish my XXXX benefit, I am still XXXX
I have signed up with XXXX XXXX XXXX due to financial hardship. One creditor has called my job twice for me and was told that we not accept personal calls and to please not call back. Same creditor called my wife at work and she told them the same thing. Since XX/XX/XXXX this creditor has called my cell phone 14 times. I spoke with XXXX and they faxed a notice of harassment document to them due to them calling my job. I am not sure anything can be done but I use my cell phone for my job and I ca n't have it ringing while I am at work.
Experian continues to report an illegally obtained/fraudulent account from XXXX XXXX XXXXThe original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. XXXX XXXX XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.
The new issue I have with the Credit Bureaus ' is the following. 
1 : The previous home address was XXXX XXXX XXXX XXXX XXXX MA XXXX. 
The credit agencies report XXXX XXXX XXXX XXXX - This has been corrected by me multiple times. The problem was the developer of the new condo association and the Post Office were in disagreement over the numbering system for the new complex. 
It was decided in XXXX, that the address will be XXXX XXXX XXXX XXXX XXXX MA XXXX. 
2 : My parents address, keeps showing up on my credit reports XXXX XXXX XXXX XXXX, XXXX MA- Every time I try to get it deleted ; it is put right back on the reports in a month. 
3 : My Middle Initials should be in capital letters- ( XXXX ) not XXXX- This problem persists even after I have sent the official US passport info with the correct captilaized initials. 

4 : I have attached to this report- XXXX report showing the changing of dates for profit/loss dates. They do not correspond to the charge dates. As you can see from my previous complaints about the XXXX accounts. 
The XXXX accounts are held by the their subsidiary - XXXX XXXX XXXX ( XXXX ) located in XXXX MA. 
These issues with XXXX have been on going, as I have shown the CFPB investigators over the past several years. 
I will be speaking to local law enforcement officials in XXXX MA this week over this matter.This issue with the accounts being manipulated in the manner they have manipulated has been going on for so long that it must an individual at XXXX who is manipulating the accounts. It is unlikely it is random- The name that shows up at XXXX is the following : XXXX XXXX XXXX In my letters to the CFPB officials ; and through the my Federal civil case against XXXX it has been confirmed that there has been " third party '' in not only harassing me through credit reports but to also harm financial stability of my companies located in Massachusetts XXXX 

In process are detailed letters to the CFPB through regular US mail ; detailing " Control Fraud initiated and executed by XXXX XXXX executives '' CFPB investigators will need to move quickly on getting warrants for arrest for XXXX XXXX, Senior, XXXX XXXX XXXX ; XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX.
Equifax did n't properly secure my sensitive information. It became vulnerable to a data breach and I was impacted.
I opened a small loan with this company who takes advantage of consumers having a hard time by giving them loans and charging an insane interest rate almost doubling the payback amount ... ... ... But I was struggling to feed my kids and keep my credit good so i opened a loan with the intention of paying it off and having a positive affect on my credit. 

XXXX into XX/XX/XXXX i defaulted on the loan because i was the sole income in my house and my fiance was a XXXX. He suddenty went back to work causing me to need last minute child care. I had to use my bill money to pay for care for my kids which set me back for months. I tried explaining this to them and they were very rude over the phone using profanity and just all around nasty. I still made a few payments after that trying to catch up but i just couldnt get back on track. This company also caused me alot of grief and stress as they would call my job to my BOSS 'S DESK PHONE ... ..ALL.DAY.LONG! Even after he asked them to stop calling they still called and almost caused me to get fired. The called my MOTHER and scared her as well and she doesnt even live in this state asking her for my wherabouts! They even came in person to my house and were yelling at me in front of my kids. 

This is very rude and unprofessional not to mention against collection laws. Fast forward to XX/XX/XXXX I paid them the balance IN FULL and requested as a coutresy for them to delete the reporting from the credit bureaus and they refused. I requested a call back from Manager XXXX who handles the Georgia offices XXXX times only to be ignored and never receive a call back. These people scared myself, my kids and jeopardized my job! These people should be ashamed and should be taken out of business.
Was encouraged to apply for forebearance instead of income driven repayment. Was never told that forebearance opportunities were limited. I applied for income driven repayment after doing research on my own. Now my husband lost his job and is struglling to find a new one and I am struggling to make payments having already missed a few and abput to miss another.
I deposited money in Rush card. Made one purchase and then my account went to zero and I ca n't get ahold of anyone at customer service that can do anything about it. They continue to say they will be correcting the problem but it 's been 11days and my money and access to it are still denied.
There are 4 credit accounts on my credit report that are over 10 years old. I have asked the 3 consumer credit reporting agencies to remove them and to date I have not received a response or any results.
I have asked Transunion several times to correct/ remove the XXXX collection account on my credit report from XXXX. I paid this in full at XXXX at the time it was being sent to a collection department. it is listed incorrectly, as no other credit reporting place has it listed as a charge/off. They have not fixed the issue, just says that it is disputed by consumer.
I pulled my credit report on XXXX XXXX, 2015 after being denied a credit card due to my XXXX score being low as XXXX which is impossible only to find that Procollect who has never sent me anything in writing indicating they even had a debt for me has placed more than XXXX collections items on my credit report repeatedly. Some XXXX and XXXX times the same account. This has cause my score to suffer drastically.
Dear Sir or Madam : I had a home loan with Washington Mutual taken out in 2007 that was eventually taken over by JPMorgan Chase. When the recession hit I was offered a 3 month loan modification trial via email of roughly {$10000.00} per month which I paid in a timely fashion. It 's important to note that this was the last moneies I had. Once the 3 months expired I was not offered any modification but began receiving threats of foreclosure. I was forced to sell the home on short-sale and I lost the hundreds of thousands of dollars I put down for a down payment and the house as well. I ended selling the home for significantly less than I paid for it. As a result, I lost all of my money and, like many people during the recession, had to start from scratch which caused a huge burden on my family. I submitted full documentation when I received the mortgage and had the income and assets to receive the mortgage. My mortgage with WaMu was not subprime. I would like to be compensated by Chase for my losses. I lost my home, had to relocate my family, and lost all of the money I invested in the home. 

Thank you,
I have been a cardholder of the Barclaycard for about two or three years I believe. I never missed a single payment with this card, and I never missed a payment with any of my credit cards since 2008. The bank abruptly and capriciously cut my credit limit, which changed my utilization ratio. There was no conversation, no alert, no details -- they just cut the limit. I tried to deal with the bank, expressing my extreme dissatisfaction. However, all I got were excuses and stories in my opinion. Eventually I did reach someone who was able to " appeal '' the downgrade. After extensively explaining my financial details they put me on hold and returned like a minute later to say they wo n't do anything. I also tried the " Office of the President, '' but that seemed to be a total waste of time also. I had a great experience with the Barclaycard and never missed a payment, I often made considerable payments on the card and would consider myself a great customer. The fact that the bank abruptly changed my credit limit is very concerning, and a law should be considered to keep them from acting this way because it can damage the credit score of a cardholder through no fault of their own. I would appreciate any assistance that the Bureau of Consumer Financial Protection can offer.
Prepaid card, issued by THE XXXX XXXX  from XXXX for the XXXX XXXX XXXX  or any place that accepts XXXX  was a XXXX gift XXXX in amount of {$100.00}. We used the card once. at the hotel ( XX/XX/XXXX ) in the amount of {$45.00}. The next time ( XX/XX/XXXX ) we wanted to use the card it was DENIED. According to gift card account history it showed, that there was a Service fee of {$1.00} charged every month since XX/XX/XXXX. When I finally called in XXXX to inquire about the problem I received very little support. Their claim is that they have switched banks in XXXX and a refund check was issued with the remaining balance and mailed to our daughter. That is false and our daughter never received any refund back in XXXX. XXXX is telling us that they no longer have access to research the problem. If this was the truth, than we was I able to find my transaction history in XX/XX/XXXX.