WillisBack/dataset-financial-user-claim huggingface dataset:
I used  Charles Schwab  's Bill Pay to make payments on a  XXXX   XXXX  loan that I had paid current since  XXXX . In  XXXX   XXXX  I set up the account to autopay the loan through the loan 's final payment in  XXXX . Instead of doing what it was supposed to do, the system overrode the date I put in and set  XXXX   XXXX  as the final payment date. In  XXXX   XXXX ,  XXXX   XXXX  sent a letter threatening collections, and that was when I first became aware that  Bill  Pay had failed. I paid the loan payments current, and then had the  Schwab  rep get on the phone with the  XXXX  rep. The  Schwab  rep said that the error was likely a  Schwab  system error, but refused to send a letter or email to  XXXX  because of legal liability issues. Apparently this is an issue they are aware of and are trying to limit liability with very little thought as to how it harms customers.  Schwab  now refuses to admit its error and instead is telling me that I put in the wrong date. They did not review their system or provide any evidence to counter my witness testimony.     My husband 's  credit score  was negatively impacted, and our interest rate on our new home ( closed in  XXXX   XXXX  ) was adjusted upwards as a result. The additional annual interest charge is over {$2000.00}, and we are requesting that  Schwab make us whole on the increased cost. My husband and I gave ample warnings about the effect of  Schwab  's erroneous reporting, and were consistently ignored.     The contact at  Schwab  is  XXXX   XXXX , Managing  Director  - Banking Operations at  Charles Schwab  Bank. Her phone number is  XXXX . She has refused to discuss my account with my husband even though it is his credit that was affected.
I have been a victim of identity theft and the fraudulent accounts reported below are a direct result of said theft. I've sent in documents to support my claim. Chex Systems has inaccurate info on my consumer report, a name that i've never been know by and a completed different SSN and address is listed that i've ask them to remove and they have refused to.
On XX/XX/XXXX, I received an alert that a 30-day late payment was reported on my SoFi account. 

The 30-day late payment is inaccurate. I made an online payment on XX/XX/XXXX for the amount of {$1600.00}. I spoke to one of the customer service representatives and was told that although I made the payment on XX/XX/XXXX, the credit did not post until XX/XX/XXXX. I requested to have this corrected, and honor the actual payment date and not the posting date.

He suggested I email customer service.

I did, and was told to call in. I called in on XX/XX/XXXX, and I told another customer service representative what happened. She said that she can only see the posting date. I said that is inaccurate information and I need to speak to someone in the credit reporting department. She said I should send in a letter. I said I need to speak to someone and this was over my 5th attempt to resolve.
My sister was alerted via mail by Chase Bank that they were closing several of her accounts established during her childhood XX/XX/XXXX at what was then Bank One in XXXX. 

I have similar accounts and did not get such a letter. 

She immediately went to a Chase Bank branch in XXXX, Texas to get a cashier 's check to close her accounts. She then phoned me and encouraged me to do the same thing. 

That same day I went into a Chase Bank branch in XXXX XXXX, California to ask for the money in my account. The banker manager started the process and then said we needed to call a Chase Bank corporate phone line. 

The representative at the phone center said that because there was 'fraudulent activity ' on the account I could n't make a withdrawal. 

They then said a check was to be issued on XX/XX/XXXX that would be mailed to me for the balance in the account. 

To this day, now many weeks after going into the bank and being promised my money, I have not received a check and I do n't believe that it was ever issued. 

I am beyond upset about this treatment and need your help in getting my money back.
Our home insurance premium is past due. It was due XX/XX/2018 and I have confirmed with XXXX today that Wells Fargo has not paid our premium on our behalf from our escrow. Additionally, they have increased our escrow payment significantly each year in the past two years since we purchased our home. Our payment is now almost {$200.00} more than it was when we signed our fixed rate mortgage. Its soon to be {$75.00} more than that, with their estimated escrow increase. 
Our taxes have increased, but only slightly, not {$2400.00} a year. 
Finally, I want to get out of escrow with them and they said I have to use their appraisal company to appraise my house to see if we have 20 % ownership.
Equifax data breach, which potentially opens me and my spouse to identity theft. We have been planning on applying for a HELOC this fall, but if my information is used due to improper security on Equifax 's part, I may not end up having a good credit score, or may be denied for reasons related to fraud using my information.
I made a payment for my installment loan via EasyPay Finance and to my surprise, it has not been processed yet. I did, however, receive a confirmation number but even then the payment has not reflected on my account after 2 days. I spoke to XXXX representatives already and only XXXX was able to help but was n't too professional either. The problem here is that if I made a payment on a certain day then it should be processed for that day. It seems to me as if EasyPay/Duvera Financial is just trying avoid payment to cause a delay purposely to see what they can get out of it. I have proof of everything I record everything I do when it comes to them for safety reasons. Anything I can do to resolve this matter?
On XX/XX/2019, I spoke with the relationship manager from the Ocwen Mortgage and I was told that my loan/mortgage was placed into foreclosure. The representative said this action was taken because they said that I requested that the repayment program be stopped. This is not true, last week I spoke with another representative about my concern about the payments being unmanageable for me and asked if there was another step in the process where I could modify those payments. The current repayment program was 1500 more than what I normally pay per month, so I was looking for some relief. She said yes there is another step we can submit for you to review another payment option. She then stated she could complete the paperwork to appeal the repayment amount. I asked the representative could I continue to participate in the current repayment program while she works on the appeal and she stated yes I could. Then on XX/XX/2019, I received a call from Ocwen stating my account was now placed into foreclosure status. I was confused because I never authorized the discontinue of the repayment program. The repayment program started in XXXX and I paid 3,200 so why would I authorize them to discontinue the repayment program, if I began making payments on it. No one can seem to give me any answers and they are researching the matter, however, my home sits in foreclosure.
Wells Fargo Home Mortgage had offered me an incentive to complete a Deed in Lieu on my home that I could no longer afford. That process started in 2013. I abandoned the home on XXXX XXXX, 2013 as required by the documents from Wells Fargo. This was an extrememly long process and the home was just transferred out of my name recently. The home has been sold and new occupants are in the home. My incentive money is no where to be found! When I try to call Wells Fargo I get disconnected because my loan number with them is no longer valid, obviously. Customer Service transfers me everywhere except to a real person who can answer my questions. I was promised an incentive of {$2000.00} to complete the Deed in Lieu.
There seems to be a mistake. I submitted a Qualified Written RESPA Request and Select Portfolio Servicing told me to go fly a kite. 12 USC 2605 clearly states that within 30 days the financial institution owes me a substantive response. 
Select Portfolio Servicing has NOT provided me with any response other than the tell me to XXXX. there is a missing security which will be reported to the FBI. 
The Qualified Written RESPA Request was sent Certified Mail XXXX on XXXX/XXXX/2016. 

The default provisions are now in effect.
I was a victim of XXXX XXXX inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
After several requests, TransUnion has not removed my credit freeze. This has negatively impacted my credit rating.
I sent XXXX letters to request that the agency, Portfolio Recovery Associates, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].
A medical debt was reported to my Equifax profile on XX/XX/XXXX for a {$15.00} medical bill that I am unaware of, by an attorney 's office named Law Office of XXXX XXXX XXXX XXXX. When I called the number a man answered stating " RR Resource Recovery ''. The man did not identify himself. He asked me for my name, which I provided, and he immediately stated that I owed {$15.00}. I advised that I did not recall getting a letter with this information. He did not provide his name, nor the original creditor name, nor disclose that he was a debt collector, nor did he state the Mini Miranda disclosure to me. I felt that I was speaking to an attorney due to the credit reporting, so I paid via credit card the {$15.00} balance + a {$5.00} fee which the man stated would be added to a phone payment. He provided a confirmation # of XXXX and the call ended. 

I was misled by this company into paying a bill that I am unaware of and had the right to dispute, but was not offered that right. 
1 ) The collector did not identify himself2 ) The collector did not disclose to me that he was a debt collector3 ) The debt collector did not state the original creditor name despite me telling him that I did not receive an initial notice4 ) The collector stated that my XXXX XXXX credit report was wrong and that XXXX reports are " never right '' 5 ) The collector did not explain why he was charging me a {$5.00} fee for making a phone payment6 ) The company 's entity name is R R RESOURCE RECOVERY, LLC ; however, they have reported debt to my XXXX credit report using the name LAW OFFICE OF XXXX XXXX XXXX XXXX, XXXX - which is an inactive company due to dissolution on XX/XX/XXXX. 

How can a debt collector report to a credit bureau using the name of a dissolved attorney 's office?
MY SERVICER, BAYVIEW LOAN SERVICING LLC, HAS BEEN PROCESSING A SHORT SALE TRANSACTION. I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. BAYVIEW 'S APPROVAL PROCESS ON THIS REQUEST IS EXTRAORDINARILY LONG. BAYVIEW INDICATED THAT THE TRANSACTION IS TAKING TOO LONG ( BECAUSE OF BAYVIEW 'S DELAYS ). BAYVIEW HAS SET A FORECLOSURE SALE FOR XXXX XXXX, 2015. I HAD MADE A REQUEST FOR POSTPONEMENT. A CALL WAS MADE YESTERDAY TO CHECK ON THE STATUS OF THE REQUEST FOR POSTPONEMENT. XXXX AT EXTENSION XXXX INDICATED THAT SHE DID NOT HAVE INFORMATION ON THE FORECLOSURE SALE AND NO ONE IS AVAILABLE TO PROVIDE THAT INFORMATION.
I was called by XXXX XXXX of XXXX XXXX XXXX in XXXX, he was calling to collect a payday loan from 2011. He was rude and threatening. he said if I did n't pay right away " he was going to haul me in front of a Judge for Defrauding cashcall ''. He also has called both of my sons ( not sure how he got their numbers ) and giving them a hard time about wanting to serve papers to them on me. He also called me at work saying the same thing and saying he did n't want to embarrass me at work but would if I did n't pay immediately. He stopped calling for a week them started the same thing all over. The number he gave me via voice mail to call is XXXX. This was a {$500.00} loan and now he is trying to collect over {$5000.00}. Shortly after I took this loan I became ill with XXXX and have been fighting that the last few years. I am not a criminal as he is saying to me and my sons.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, XXXX. XXXX Advertised personal loans on line and mentioned upon contact with XXXX on XXXX/XXXX/2016 that I qualified for a loan of up to {$7500.00}. 
Only thing I had to do is have Lexington Law Firm : XXXX XXXX # XXXX XXXX XXXX, XXXX. XXXX Improve my credit and after enrollment with Lexington Law I was guaranteed a loan. It is a Scam because they both do n't answer the phones to cancel service. There has been no loan just a setup to have consumers enroll in a credit repair service for a charge of {$14.00} and {$99.00} a month. That you can pay with the loan proceeds. Contact at Lexington Law E-mail : XXXXXXXXXXXX XXXX loans are offered it is a scam to force consumers into retaining a credit repair service or Fraud.
I was contacted by JPL Recovery Solutions on XX/XX/2018 at XXXX EST to collect on a debt for a credit card that I owed for XXXX XXXX in the amount of {$750.00}. The gentlemen I spoke with said his name was XXXX XXXX. XXXX told me they sent me out a letter in XXXX stating they took over the debt and I hadn't responded. I never received this letter and have proof that it was never mailed. The USPS has informed delivery which shows every piece of mail that has been delivered to your house and there is no letter from JPL Recovery Solutions. I was unaware they had the debt prior to them contacting all of my family members and me yesterday XX/XX/2018. He then proceeded to tell me that unless I made a payment that day, they were suing me for {$2200.00} plus attorney fees and court costs. I panicked and agreed to set up a payment plan. He was to call me Friday XX/XX/2018 to finalize the payment plan. When he called me today Friday XX/XX/2018 at XXXX EST, I asked him for the address of his company so I could send out a debt validation letter to verify they own the debt for my protection. He refused to give me the address and kept telling me I was avoiding paying my debt. He told me to call XXXX XXXX and they would verify my debt to them but refused to provide any verification of the debt. I asked him several times for their address and he kept refusing and then said they are suing me for the amount owed and hung up on me. I have a right to get the debt validation as they have NEVER sent me anything with proof they own the account.
This is just a few of so called debt collectors trying to confirm my personal information. The person that called me today was trying to confirm the last XXXX of my SSN. These companies are trying to collect for accounts that have passed the 7 year mark of debt and they are ruthless over the phone. This XXXX in particular told me I did have a personal business matter with them and I had to comply. I ask them who their company was and they told me it was FRS located in Minnesota. After that I told them that I do not have any business with them and and now I would report them CFPB. I receive XXXX to 4 calls a day with harassment. Like I said my debt was pardoned and I am no longer liable for that old debt which they are trying to collect.
The credit card I had was for XXXX, which has since filed bankruptcy. I returned merchandise and a refund was never credited to my store card which is issued by Comenity Bank. XXXX sent emails saying they are no longer processing any returns or refunds and to dispute any charges with the credit card company, which I have done. Comenity Bank is now refusing to credit me and passing the buck back to XXXX even though they are unresponsive. I made my purchase on XX/XX/2016 and it was for XXXX. My account number with Comenity for my XXXX card was XXXX.
Hello, I'll be attaching scanned pdf files of the dates and what transpired. 

Briefly what occurred - XX/XX/XXXX : Wife passed away. 
XX/XX/XXXX : Received XXXX credit cards, one for me and the other for my wife. 
XXXX : Called XXXX to have my wife removed from the joint account due to her passing. They said they did not need a death certificate as they have their own way to verify the death. They said wait 30-90 days. 
XXXX : I charged {$21.00} at XXXX for a XXXX gift. 
XX/XX/XXXX : I tried to charge another purchase but the card was declined. I ran a credit check and found XXXX showing an Adverse Account as charged off. Also, it showed I was deceased. I never received a billing statement for the {$21.00}. I was confused about this and what charged off meant. 
As the attached pdf 's will show, the deceased was corrected by the reporting agency, but charged off remained. Later, it read Paid in full/charged off, but still showed Adverse Account. My credit score dropped at least 100 points for something I had no control over, due to the fact XXXX had me deceased instead of my wife. Perhaps that's why I never received a billing statement? 

Hope this is enough info.
I asked specific questions. I got no answers at all. Let 's try again.

1. What will it take to close down a loansharking business like Capital One?

2. How is a pre-approved credit card offer at 24.99 % to 27.99 % reasonable, respectable, or a good thing for any prospective customer? How is this even ethical?

3. How is charging fees for late payments, insufficient fund payments, yearly subscription, or any other fee more than 200 % over actual processing charges reasonable?

4. What laws do you use to loan shark?

5. What will it take to remove or mark my personal information so it is not used or distributed to partners or other businesses permanently and require my express written permission to be used at all by anyone? 

I submitted a complaint and Capital One responded by refusing to answer my questions and only removed my personal information from Capital One 's contact list for 3 years. They refused to contact their partners to do the same. 3 years is unacceptable, and not contacting their partners unethical and irresponsible.
I called Transunion explaining how I was one of the victims of their inquiry issue last year. The agent immediately denied my claim after I explained these accounts were none of my doing and she declared them as " fact ''. After being denied to speak to a supervisor on the issue, I asked again to look into my files and to have these negatives items removed from my credit report and was declined to state that she wouldn't do so. All these inquiries appeared on my report XX/XX/2018. 

The inquiries are : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/2018 I noticed while I was online with my Credit Unions website that a Levy had been placed on my accounts. 
These accounts are with the XXXX XXXX XXXX XXXX XXXX. 
I receive a direct deposit of XXXX XXXX XXXX Insurance payments every month into my main checking account. 
The Levy has been placed on my savings, and my Daughter 's  savings account where I place her child support money into. 
I contacted a person named XXXX in the Collections Dept to ask about this. She did not want to listen that this money is exempt from Garnishments and that they are leaving me NO money to live on and are affecting my child support money. 
I found out from XXXX that the Levy is from Capital One Credit and is for over {$3000.00}. The amounts they have frozen in my accounts are {$230.00} in my savings, & {$500.00} in my Daughters account so far. 
I need this money to live on & pay my bills & support. I get paid once a month on the XXXX and can't be broke for the rest of the month.
THIS COMPANY HAS REPORTED INFORMATION IN MY NAME WITHOUT VERIFYING THAT THIS INFORMATION BELONGED TO ME BEFORE REPORTING THIS INFORMATION TO MY CREDIT FILE AND GIVING ME PROPER TIME TO VALIDATE ANY OF THE INFORMATION BEFORE REPORTING TO CONSUMER REPORTING AGENCIES.I HAVE REACHED OUT TO THE NUMBER LISTED IN MY CREDIT FILE AND IT REACHES A VOICEMAIL OF A WOMAN. WHO DOESNT EVEN MENTION THIS COLLECTION COMPANY BY NAME.
Went to collection agency XXXX XXXX XXXX here in XXXX XXXX Missouri and spoke to the clerk and asked them for a report on my accounts, because there is 2 people 's unpaid credit on my individual credit report. These people happen to be family and they are medical accounts. I have nothing to do with their medical history or what they owe. They have their own insurance, which I am not listed anywhere on that policy for anything. I told them to have those reports removed and they said we are allowed to do that. I said you are certainly not then I asked for all the copies of accounts and they said no. This information went to credit bureaus and. Stopped me from getting my Business loan and has dramitacally effected my score. I never received any mail for this unfair reporting and against my rights. Please help me because I have already lost 3 accounts to their unfair practices and I need my equipment. I will follow up with lost revenue and what the law allows.
Bank of America Inbox x XXXX XXXX XXXX <XXXX> XXXX XXXX ( 6 hours ago ) to consumer.mediation Hello, Told this story to a friend and they suggested I relay it to your office. 
My wife and I have been XXXX Mastercard holders since XX/XX/1986. Over that 32 year time span we rarely carried a balance for more than a month. We had been working out of state and in the process of moving back home. I received a letter from Bank of America the end of XX/XX/XXXX during the move back, asking all kinds of financial information. I thought that was odd, especially when I saw we were to send it to an Arizona address. I just threw it away figuring it was a scam. Why would a credit card company need all this from a cardholder of 32 years that always paid their bill? 
We received a {$400.00} some odd dollar bill the middle of XX/XX/XXXX. Two days later I sent them a check for the total amount. About a week later I was at XXXX XXXX. When they ran my card, they said it was denied. A bit embarrassing but I figured it was just a computer glitch. I paid with cash and was on my way. A week after that, I was ordering some horse supplies from XXXX XXXX, a company whom I have dealt with for years and has my card number on file. When she tried to run my card number it was denied again. By then I was starting to get a bit miffed. I phoned Bank of America. Finally got through to a person and asked what was going on. They said they were no longer honoring my card because I did not respond with the financial information they requested. I asked them to explain the reasoning behind that action since we had always paid our bill. My call was forwarded to a number of BOA hacks. No one could tell me why they were taking the action they took. Finally on the last transfer, the phone just went dead. 
I have not used the card since then nor have I received any correspondence from BOA. Have you received any similar complaints? Is this legal? They are a credit card company, not my mother or the government. Sincerely XXXX XXXX XXXX