WillisBack/dataset-financial-user-claim huggingface dataset:
Capitol One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Dear Sir/Maam, As a longtime customer, I would like to thank Capitol One for all the remarkable service they have given my family over the years. I hope to continue service with your company into the future for many years to come! 
However, it is my responsibility as a consumer to make you aware of the illegal practices of XXXX of your companies who use your services, namely Menards, of XXXX XXXX XXXX. To begin in XX/XX/XXXX I was having my home remodeled and needed supplies. 
I went to Menards to purchase supplies but they did not have them and said they would have to be ordered. I gave them my credit card and paid for everything including delivery. I told them I must have these supplies delivered by a specific date. After calling them, they called back and said they would not be able to get them there on time for delivery. I immediately canceled my order and told them to give me a refund. 
This was in XX/XX/XXXX. The next billing cycle I received a bill for all the merchandise I NEVER PURCHASED AND HAD REQUESTED RETURNED and called Capitol One, who promptly confirmed my information with Menards. Capitol One said Menards said they had credited the account but Menards never did. Again, I called Capitol One who confirmed that Menards had not credited the account and suggested I return to the store I had visited, which I did. I spoke to an assistant at the desk who said they would handle the return Naturally disappointed, I called Capitol One back. They attempted to make contact and show Menards who had done nothing to credit my account. A couple billing cycles and a couple turns with the Capitol One resolution department finally generated a partial credit on my account. However, I noticed that Capitol One, had sent me yet another bill now for almost XXXX dollars! 
I again contacted Capitol One, who called Menards to ask what was this new charge? No one knew. Finally after a half dozen visits to Menards and over 30 hours of wasted time, I was told that by the way, that was a restocking fee I was being charged for items never ordered, purchased or delivered, since I had already stopped the order before it began! 
Again, I went to Menards, expressed my dissatisfaction and was told well, if you want, we can give you a store credit but we can not refund your account. How can they issue a refund but not a total refund? I told them me financing a store credit was unacceptable and they had no authorization to charge any fees to my account for canceled, undelivered products, which they did not even have available, causing my immediate cancellation. 
In summary, Menards actions amount to nothing less than fraudulent, deceptive and unethical business practices and it should be rightfully and hastily rectified in the interest of honesty and fair trade. If I may be of further assistance please feel free to contact me at your convenience.
On XX/XX/XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XX/XX/XXXX - seven months later and according to CFPB Auto loan applications submitted within a 14 - 45 day time period should be treated as " XXXX '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " One '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit score. 

XXXX lists XXXX inquires XXXX list XXXX inquires Transunion list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XX/XX/XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as XXXX inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as XXXX separate inquiries. 

And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).
Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. Case Number XXXX.
Mansions of XXXX XXXX XXXX XXXX XXXX placed the exact same bill with two different collection agencies causing two bad reporting remarks on the credit bureau. I have spoken with XXXX/ XXXX XXXX management on many occasions who states they will correct the problem. The accounts are still placed with two separate agencies. I have requested for Trans Union to  investigate and remove double marking for the same bill and nothing gets done. This has been an issue for almost 2 years now. I am trying to purchase a home and will pay the past due amount but can not pay twice. This should be a credit reporting violation and no one is assisting with resolving the matter.
To Whom It May Concern, I have had only one account with you all for 3 Years and 4 Months. With that account, my debit card expired XX/XX/XXXX and you never sent out a new card. I called and advised that my card was expired in XXXX and you all advised that you would send me a new card and my account is still open and active. 

However, you gave me a new card number for some reason and created a duplicate listing on my credit report. You sent me a new card with a new card number XXXX which should not have resulted in you changing my card number as the original card was never lost or stolen. The card had only expired and I never requested for the card number to change. However, there should not be two listings on my credit report.

You need to remove the Closed Accounts you are reporting to all three credit bureaus.

You have the following listings on my credit report : *Both Accounts have an Open Date of XX/XX/XXXX and I have only one account with you but two accounts on my credit report. 

XXXX - CLOSED XXXX - OPEN
Per court order divorce agreement ex husband assumed Bank of America home mortgage. I was released from the loan on XX/XX/2018. The account balance was still showing as owned on my credit reports in XXXX, so I called Bank of America. Apparently they had not reported that I was no longer on the loan and assured me that my release from the loan would be reported to the credit bureaus by XX/XX/2018. On XX/XX/XXXX I called one of the credit bureau XXXX and they said that the release from the loan had not been reported. I've been back and forth between the credit bureau and the bank over several phone calls. I been transferred to wrong departments and hung up on. The debt showing on my credit report is affecting my score. Also, I would think it's a privacy issue because I can tell how much he continues to pay on his loan and if he's making them on time. XXXX says the only way I can remove the debt from my credit report is to dispute it which will lower my credit score.
I want trans union to take off the collections of XXXX. I have received my payment statement from XXXX. so therefore helvey and associates have just committed fraud.
Nanient is cla iming I owe them {$7000.00} on a contract from  XXXX   XXXX . I have called a minimum of 5 times to solve this as I do not believe this is legitimate. All with no resolve. On the last call I spo ke to a manager and   asked for proof that I owe this and when it was dispersed. He said they did n't have any paperwork except for the original master promissory note from  XXXX   XXXX  and did not know when it was supposedly disbursed. He did n't even know what school I attended or my graduation date. The promissory note was a paper I signed 8 years ago prior to borrowing any money or taking any classes. I have other student loans, all in good standing, with other companies. I did n't even know who they were until the letters started coming. I am not going to just pay someone {$7000.00} without proof of receiving it. I am trying to buy a house and this is now holding up the purchase and if not resolved quickly I will lose the house. I told them that if I owe it I will pay it once I am shown it is legitimate but every attempt had the same result, no one can show any proof that I owe the money to them but they ruined my credit with this. It is the only negative on my credit. I want it taken off my credit immediately.
Ditech took over my mortgage, and last month along with my house payment I also had a bill for an escrow shortage. I mailed a separate check for the escrow shortage, with escrow shortage written on the bottom, per their nasty customer service persons instructions. They applied it to my principal and REFUSE to allocate it where it belongs and send me a new bill for my house payment with the correct adjusted amount. I 'm tired of writing, calling and complaining. This just is n't right.
I had a Home Equity Mortgage Loan that originated XX/XX/XXXX, I was XXXX XX/XX/XXXX and Requested the SCRA Protection on my XXXX Account, it had a Adjustable Rate that was a 10.99 % APR at the time. The Account was closed a few months after I was on XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX and it was reported that my payments were delinquent several times to all of the credit reporting Agencies, and that I had stopped making the Payments in XXXX of XXXX, but that was because I had paid the XXXX account off in full. I continued to make payments on the other account until I had realized that I had made so many payments that had been said to be late, while I was XXXX that I had paid the account 8 months in advance. The account had been attached to my XXXX checking account, and was the over draft protection before it had been closed, but was still being withdrawn from after I closed my checking account. I 'm going to provided the XXXX account statements and the checking account statements since both of the accounts have been closed for over 5 years. The XXXX account has been reported as charged off in XXXX XXXX, but I was recently informed that a Certificate of Satisfaction was filed in the Deeds of Records Office XX/XX/XXXX for the XXXX Loan. I was never informed of this information by XXXX XXXX XXXX, but a Settlement Waiver was mailed to my old address dated XX/XX/XXXX, regarding the XXXX Mortgage account and it said it was in response to the XX/XX/XXXX Mortgage Settlement for SCRA Violations with the CFPB and the Department of Justice, which is news to me. I was XXXX from XX/XX/XXXX until XX/XX/XXXX on back to back XXXX, but my Clearance was Adjudicated while I was in XXXX and the XXXX account was one of great interest, since I had filed a law suit about the account and been providing documents to the Adjudicators for the past 10 years claiming to be a victim of the SCRA cases that had been settled, but my credit report had n't seemed to be effected. I have saved my documents for all of my accounts, but I had n't been contacted until recently.
XX/2015 -    XXXX   XXXX    { $290.00} written off and {$240.00} past due. The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
several issues. 
forced me into FHA after forcibly holding up a refi which finalyl closed after my purchase. 
due to teh holdup-my debt/income ratio forced me out of conventional and into FHA ( or I would have lost the new home purchase ) second issue-they are holding over $ XXXX TOO much out for escrow account. 
third-they have on at least XXXX occasions admitedly recieved my payment on time but still charged me a late fee until i called them on it. 
they stated clearly they got payment on time but didnt post the payment until after it was late..
The statue of limitations has expired on the debt in question ( it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff ( Discover Card ) waited too long to bring this case ( laches ).
Equifax is reporting me as deceased. I have the same name as my deceased father ( with a Jr ), and I live in his house, but I am not deceased. I have a different social security number than my father, so I do n't understand why it was not used to determine that the credit request was for me, not my father.
For more than a month, I have been receiving multiple ( more than 11 in one day ) phone calls almost every day from various phone numbers at all hours of the day ( XXXX XXXX to XXXX XXXX  ). Initially when I answered these calls I explained to them that I do not owe XXXX   XXXX any money and that in fact, as I have sent them notification and documentation, they owe me money. They leave recorded messages asking for my attorneys name saying it is urgent before legal action is taken. They have now starting calling and harassing my family members. When I've asked to speak to a supervisor or for them to send some type of written communication, they refuse and hang up.
I placed an order for furniture from XXXX XXXX XXXX ( Phone XXXX ). Chase Bank prevented me from using my bank card by setting daily limits. I then placed an order for furniture ( XXXX and XXXX ) with my Chase Bank account XXXX, Check # XXXX. The sales representative XXXX XXXX added a person 's name ( XXXX XXXX ) to the check instead of the furniture store 's name, then cashed the check. Needless to say, he has not delivered the furniture, and he no longer works for the store. I contacted Chase Bank and reported the fraudulent check, and they asked if I wrote it. I told them I wrote it but XXXX XXXX added the name. Chase refused to reverse the transaction despite my complaints. I then called Chase to get the name of the bank the check cleared through. Chase informed me they DO N'T KNOW what bank cleared the check, and DO N'T HAVE have any identity of the person who cashed the check. They refused to refund my money in the amount of {$2800.00}. I want a refund from Chase because not only do refuse to open a fraud case, but they neglected in processing the check. The check was not written to the correct party and Chase has no documented evidence of who cashed the check.
Ally Bank 's Bill pay service is not working since morning. May be it was not working for days ( i am just using today ). Talked to Chat support ( XXXX ) and then phone support ( XXXX XXXX - except excuses they do n't have to offer anything. 
Clearing cache, browser data and did every possible thing ... using a different browser and different computer ... writing to them via secure email ... .nothing worked. 

There is a server side issue - Bill pay is getting timed out
TransUnion refused to correct a deliquency that the reporting company verifies they have corrected. XXXX XXXX XXXX, XXXX, XXXX sent me a letter regarding my XXXX card on XXXX XXXX, 2016 indicating that they have cleared me of any delinquencey associated with Account ending in XXXX. I have received verification from XXXX that they have sent this to all XXXX credit reporting agencies.I received a letter from TransUnion dated XXXX/XXXX/2016 stating that they will not correct the 30 days late. I forwarded TransUnion this letter, which indicated they had removed the delinquency.
My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises.
Citimortgage holds this mortgage. My escrow payment this year is {$840.00}. The escrow balance is {$800.00}. The account is terminating at the end of this year and no major payments are due until after it has terminated. The current escrow balance is enough to pay the flood insurance, the only payment due during the remaining life of this mortgage. I want to get the escrow payments removed since there is no need for them and I do n't know how long it will take to get the escrow reimbursed. I talked to someone at Citimortgage and she told me that this should be no problem but later they refused, claiming some rule at XXXX XXXX. I do n't believe this - it must be a trick to keep the use of the money for a few months. I checked the XXXX XXXX website - they do n't normally require the an escrow more than five years. In any case, what possible rationale can there be for collecting escrow payments when nothing is due? I have attached the latest escrow calculation and a document showing that the mortgage ends in XXXX, 2017.
I graduated in XXXX from XXXX XXXX at XXXX with several student loans. I consolidated these in XXXX when I was at XXXX completing my XXXX fellowship. XXXX XXXX was assigned as my loan servicing company. I became aware of and was advised by XXXX XXXX that I would qualify for the " Public Service Loan Repayment Program. '' The representative from XXXX XXXX told me that I should restructure my payments and that after 120 total payments dated from the consolidation of my loans that my loans would be forgiven. They arranged a payment program that was to end in XX/XX/XXXX and that at that time I would be eligible to apply to have my loans forgiven. I was shockingly advised however by Navient this Monday that after all of these years of my paying them, that I am NOT eligible and that I would need to apply for another type of loan called a " Direct Loan '' to be eligible and that another 10 years of payments and service would be required to become eligible! This was shocking and I immediately requested speaking with a supervisor. I was told that none of the payments that I have made to date will count toward the Loan Forgiveness program as we had been told previously by XXXX XXXX. I am told there is no appeal process of any kind and that my only option is basically to start over. This is a financial blow to our family of enormous consequence. We have been planning our retirement, our children 's college education and my employment decisions around this program that I had been falsely assured I was eligible for. It is not appropriate for a company who has a financial gain to be giving misleading advice that they may benefit from while the individual doing the public service in good faith has no recourse. I found online that many other persons are experiencing this and that a lawsuit is apparently the only option for those of us who have experienced this shock. I have never sued anyone previously in my life and am writing as surely there must be some means of appeal and investigation. Please contact me at your earliest convenience to let me know what options may exist for our family.
I have made charges my State Farm Bank XXXX Credit Card of XXXX. I contacted my credit card company to inform them that i am going to make partial payment of XXXX, I have request information on what my interest charge would be on my balance and there employee XXXX I.D . # XXXX said they could not give me that information.
XXXX  MUST REMOVE ALL SECURITY FREEZES FROM MY CONSUMER REPORTS. IT IS INDIANAS LAW!
I had Noticed an unauthorized inquiries from Credco on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX
Thank you for taking the time to read my message, it is highly appreciated. 

We have been dealing with the company Mortgage Center ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX, Michigan XXXX ; ( XXXX ) XXXX ) for the last two weeks.! 0 years ago, when the Condo we live in was purchased, the mortgage was through this company. About a year ago, we paid off the mortgage. When we wanted to go ahead and close the sale of the Condo two weeks ago, we were told that the Mortgage Center had not properly closed our account and released the lean. When we contacted the Mortgage Center Service Center, we were told that they would look into this and reach out to us. But, instead of reaching out to us, we had to call them every day the last two weeks just to hear the same response. We have not been reached out to, there was no tag on our account, that we had requested this issue to be solved and not once did the person who answered the call know that this situation had been going on. 

It really raises the question if this company is a legit company. When I went online to research the reviews and the experiences other people have had, I realized that this is a very common situation with Mortgage Center. 

Please, take the time to investigate this company and this situation. We are having serious problems because of the malfunction of Mortgage Center and we are the only ones who are suffering severe damage.
Mortgage contract between myself ( buyer ) and seller had a closing date of XXXX XXXX. I got the CD on XXXX XXXX. There is a 3 working day waiting period. We were waiting on approval from lender on mortgage. The loan was cleared for closing today XXXX XXXX by lender. Attorney is stating we have to wait for 3 working day waiting period due to correction to the CD by attorney to lender. Attorney stated we have to wait 3 working days and then 3 working days for closing to occur. This will put us outside the 10 working day grace period for the loan to close based on contract. As the buyer I do n't want to be held liable for the fees and cost incurred by not having the loan ready and seller backing out or extending the closing to new year. Can we close on the loan at anytime going forward? Do I have to wait for the attorney to set closing date? I get the impression that the attorney and realtor agents are stalling the closing to the cut off date. This will allow the seller to default and all cost and fees will be the responsibility of me ( buyer ). What are my rights as the buyer?
Applied for a loan, because i am the only one working right now because we just had a baby and we needed help, got approved used the money for bills and now im paying a ridculous amount on top of my other bills and putting food on the table for my family. They take advantage of hard working americans and take more money from you like a bunch of scam artist, how they are even a business i dont know. Every two weeks taking out more and more money is going to put my family out on the street.