WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One had their attorney XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX in XXXX a settlement agreement was made to my knowledge of {$1200.00} dollars after paying and being harassed for more money I filed a complaint with your department. after that I never heard from this attorney again. I have recently applied for a home loan and was told this is on my record and has never been settled for {$3600.00}. I spoke with XXXX on XXXX I.D . # XXXX who said this acct was opened in XXXX thru XXXX after which I believed it was closed. She told me it was not closed and that the last payment they received was in XXXX but would not say for how much. I am asking that this matter be settled and my credit report and court report be brought up to date. I was given a settlement amount and once I field this complaint all of sudden I am being told I owe over {$3000.00} dollars. Any help given to resolve this matter would be greatly appreciated.
i filed a complaint # XXXX against capital one on XXXX/XXXX/17 re : paying XXXX, a scam artist who falsely claimed they would sell my timeshare after paying them {$2800.00} in title fees up front. They did n't sell my timeshare, as a matter of fact, once they got my credit card # they never called me again. Within capital ones dispute time frame, i sent them evidence that this outfit was a scam. In their response to my complaint they did n't acknowlege any of the facts i had backing my case, including a cease and desist order from XXXX XXXX, the attorney general of North Dakota, against premier timeshare solutions. An expose on XXXX tv identifying XXXX as crooks. An F rating on XXXX from the Better Business Burea. The fact that XXXX XXXX the owner of XXXX Is in jail now for this very crime. On top of that, the lawyer they sent after me, XXXX and XXXX backed off as soon as i sent them all this evidence. Capital one 's response to my complaint is, '' our research confirmed our actions taken on your disputed charge was correct ''. Where is your backup, your evidence showing you are correct? I HAVE EVIDENCE SHOWING I AM CORRECT, I JUST DO N'T SAY IT, ASK YOUR LAWYERS. Talk is cheap, show me your evidence. At the end of capital one 's response by XXXX XXXX, there is a phone # with her ext. # to call about my concerns. As usual when calling capital one, i was passed around to different people or on hold for 45 minutes and finished at voicemail and disconnected.
I received a collection notice by mail dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. This letter stated that I owed a alleged debt of {$6400.00} that was purchased by XXXX XXXX XXXX XXXX. Please see attached documents. I mailed out A Debt Validation letter by certified mail to both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. USPS confirmed by tracking number that both letters were picked up from Post Office on XX/XX/XXXX. The original creditor for this account is XXXX XXXX XXXX alleged Date of service was XX/XX/XXXX. XXXX XXXX XXXX XXXX was added to my Credit Reports with XXXX, XXXX and XXXX the week of XX/XX/XXXX and company reported three accounts in total for the amount of {$2100.00}. All three accounts reported sum up to {$6400.00} the amount listed as being owed in Collection letter. Credit Reports also state all three accounts were open XX/XX/XXXX and they were last updated a XXXX XXXX. XXXX XXXX XXXX XXXX also reported the listed collections as being charged off in a XX/XX/XXXX. However XXXX XXXX XXXX previously reported all three same accounts with a opening date of XX/XX/XXXX. Accounts could not halve been charged off in XX/XX/XXXX as reported by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX have responded to my Debt Validation Letter they both received on XX/XX/XXXX. It sounds as if both Harvard and XXXX XXXX XXXX are Re-Aging all three alleged debts.
PLEASE BE INFORMED THAT I FILE BANKRUPTCY ON XXXX XXXX, 2017, CASE NO.XXXX.SEE ATTACHED
Disputed a case originating from a XXXX credit card with Experian, XXXX. XXXX refused to give me information about the account, because it had been transferred to collections. Collections would only send me verification of the debt if I provided them with a utility bill, which I do not have because I live with family. I have never been sent a notice of this debt and nobody will send me anything in writing proving that it is mine, or even telling what account it 's relating to. I was under the impression that all balances with XXXX were paid in full, and do not know where this balance came from. I was also under the impression federal law required the collection company to verify the debt with me when I requested it in writing, which they have also failed to do. 

I disputed the case with the bureaus stating this. They simply mailed a notice saying " The collection agency has verified the debt. ''
XXXX took my insurance card. Asked how injury happened. I said at work. the hospital attempted to collect from workmans compensation, without a claim filed. The hospital set a collection agency after me immediately. I told debt collector i would sue. Appears i now have to since it sits on my report falsely. I also lost my health insurance for 60 days because of this false workmans compensation claim. simonagency stopped hassling me, but here sits the fraud.
i opened a tjx rewards card which is handled through XXXX XXXX. on the date of purchase i was given a pass to make my purchase. unbeknownst to me when synchrony opened my account they created an original account with the number on my pass and then another account which they created for the card. why???? so without my knowledge i now have two accounts with this bank. when i went to make a payment for that solo purchase on the first account the charge was on the second account so i ended up with a credit on the first account and a {$26.00} overdraft fee ( for a {$25.00} balance ) on the second account. i filled out paperwork and had one transaction with this company. how did i end up with two accounts??? now synchrony is researching this and telling me it will take 30 days until they can process this and close both the accounts. sounds like a long time to me.
I filed Bankruptcy XX/XX/XXXX and did not include in mybankruptcy filing my security interest in XXXX XXXX XXXX AL XXXX as I was not the debtor on this loan. Irecently received notices from Regions Bank that they wereseeking an automatic stay and co-debtor stay on XX/XX/XXXX. Motion was granted and I was ordered to pay attorney feefees in the amount of {$420.00}. I am asking the CFPB tointercede in this request for fees due to the following:1. I was never a co-debtor. I did not sign the promissory note. 
The note was signed by XXXX XXXX XXXX in her name alone. Iam not responsible for this debt and any fees arising fromactions on this debt, the debtor is responsible. 
2. I did sign the mortgage along with my brothers accordingto the requirements of Regulation Z acknowledging myinterest in the security and my right of rescission. 
3. Since I did not sign the promissory note, only XXXX is responsible for all debts arising from thelegal actions pertaining to this loan 's default and Regionsshould pursue her not me for any default/attorney feeson this loan. 
4. I have not assumed or refinanced this loan in my name
I have had my loan for almost 3 years now and never got a 30 day late credit reporting. In fact, prior to my loan being transferred from XXXX XXXX XXXX, I never made a late payment. Since Pennymac acquired my loan, I have not had my payments applied properly and on time. On XXXX XXXX, 2015, I made a payment for my loan account. I mailed a second payment days later. I received information today that my loan was 48 days past due which has never happened prior to Pennymac acquiring my account. Please note I did not receive any statements regarding my loan account until today. Today, I called to make a payment over the telephone. The representative indicated that my loan was late and past due 48 days and 30 day late was applied to my credit report. My credit is very good and I have never made a late mortgage, car, and or credit card payment. Most important, when my loan was service transferred I was informed by a PennyMac representative that negative reporting does not occur until a loan is 60 days past due. Which was not true and deceiving and violated RESPA, Reg X, ECOA, and UDAAP. I requested of the representatives to have the calls pulled regarding my account, and I disputed the negative credit reporting. The CFPB needs to investigate this company as their practices are violating RESPA, Reg X, ECOA, and UDAAP. Pennymac did not apply the payment I mailed in and their representatives gave me false information regarding my loan account. I am appauled that this company can get away with this. PLEASE HELP, MY CREDIT IS BEING RUINED. I am requesting that the 30 day late be removed from my credit report as I mailed that payment and was initially given inaccurate information from a PENNY MAC representative
REPORTING COMPANY REPORTING 2 LATE AUTO PAYMENTS TO XXXX! ONLY 1 AUTO PAYMENT MADE LATE!
Our mortgage was transferred to Loan Care when we closed on our home. Loan Care did not accurately project the property tax in our escrow analysis and when taxes were due we did not have enough in the escrow to cover it. Without contacting us, Loan Care advanced the additional amount to pay the taxes and added the shortage into our monthly payment as well as increasing our monthly escrow payment. Our mortgage payment had nearly doubled. The amount of taxes paid turned out to be incorrect. The XXXX had mislabeled our property so we reached out to them and they recalculated our taxes at our request. We received a refund for the overpayment and contacted Loan Care so we could apply the refund to our escrow shortage and adjust our escrow/monthly payment according to the recalculated tax amount. We have applied the refund to our escrow shortage but to date the corrected tax amount for our property has not been updated by Loan Care nor has our escrow/monthly payment been adjusted. We are still paying their increased escrow payment for property taxes that are more than {$1100.00} in excess of the actual tax amount. We have contacted Loan Care for resolution several times over the last few months. None of the customer service representatives at Loan Care have been able to help us, no managers or supervisors are ever available to take our calls and even though we have emailed the requested documentation to their tax department and followed up on that email, we still have not received any communication from anyone who will help us resolve this issue.
I have been being charged for an Experian Membership for months without my knowledge. I have tried to cancel on multiple occasions and they do not allow it. I can not get someone on the phone and every time I call the wait time is over an hour. This is unacceptable for a company charging me {$30.00} each month I do not have a username and password and the only e-mail address I have explains that it is not valid. 

All I want to do is cancel my account so they do not steal {$30.00} from me each month. Its easy to start up with them but impossible to cancel.
Ref : Refinance Loan on XXXX XXXX, 2015 : This is an Formal QWR PMI bait & switch Complaint against " Ditech '' Ditech Financial LLC, XXXX # XXXX, A- Incomplete QWR and Fraudulent PMI Document ( Bait & Switch ). 
1. I received from first lender XXXX the original PMI a XXXX at closing XXXX XXXX, 2015 a document that specified XXXX of XXXX pages, but was ONLY given page XXXX of the XXXX pages. I was told by loan originator XXXX XXXX 's staff the PMI payment document reads the PMI can be cancelled after 2 years if no late payments and if the ( L/V ) Loan to Equity Value is enough to get 78 % loan to value ratio then the PMI cancellation application can be applied within a two year period. 
2. When I applied for an application form Ditech, they did a ( Bait and switch ) and submitted a totally different XXXX PMI document and has denied the PMI can be cancelled in 2yrs and Ditech NOW claim the PMI can ONLY be cancelled in the year XXXX.
Quicken loans provides pre-approval letters without doing due diligence. This results in delaying closings which have financial impacts to buyers and sellers. When I bought my house in XXXX XXXX, MI they kept delaying my closing because they would not get their act together. 
Now that am selling the house, quicken loans provided a closing date of XX/XX/XXXX, and today one day before the closing they once again send out a statement saying they need to delay the closing one week. How can the government allow such abuse of the average citixpzen by the big company.
Loans originated with XXXX for Private Student Loans for University of Colorado XXXX, CO beginning XX/XX/XXXX. There were a total of XXXX loans which were bundled together under the same account. The loans were sold to Discover and as of XX/XX/XXXX I began having repayment issues : i.e. lost payments, sending certified checks that were unaccounted for, no explanation as to how my money was being misguided, late fees, harassing phone calls to settle late fees, etc. I finally received a statement, XX/XX/XXXX which stuck out due to the contrasting difference of the letter head. This allowed for further investigation after noticing only XXXX of the XXXX loans were listed. Then I compared that statement with the previous statement and discovered that there was a completely different customer ID for these XXXX loans. The original customer ID contains Account XXXX with loans XXXX, XXXX, and XXXX. After contacting Discover Student Loans about this, multiple times, I was told that they had no idea where this mysterious account came from and they had no record of any such customer ID number and I need to talk to XXXX. However, the letter head and contact info is from Discover Student Loans with THEIR address. I am still in the dark about this additional customer ID number with was created with the incorrect number of loans, then how it mysteriously disappeared, yet my money was applied to that customer ID back XX/XX/XXXX. The beginning of a long drawn out domino effect which sent all of my original and true loans into default status. I sent the correct amount for the loans following that, yet I still consistently recieved past due notices of random amounts. When I questioned them about this they said it was n't applied right and I still owed them. I foolishly paid more money, yet have had no resolution. I stopped paying DSL as of XX/XX/XXXX as I do not know where my money is going. They will not sent me an itemized list of payments and how/where they were applied when received by their payment processing center. I was told that I need to get a remittance report from my bank showing I made payments. I even sent them copies of my bank statement as well as images of the checks, with THEIR stamp on the back, and they would not consider that sufficient proof that I was making payments. I not have my account going to collections because I refuse to pay until they tell me what happened with this mysterious account, how it was created, and why no one can give me information about this account. I need help with this situation as I have contacted everyone possible to resolve this with DSL. However, all I am given is a supervisor who will not provide a name of a superior officer of the student loan department. I was told that they do n't really have specific email addresses or contact numbers. Now I understand that the lawsuit is probably making it impossible to get the truth out of this financial institution. This needs to be stopped so they do n't ruin other peoples lives and financial history over their own selfishness to cheat their consumers out of their money.
I contacted equifiax in XX/XX/XXXX to Dispute Unauthorized Credit inquires listed on my account that i had noticed after viewing my credit report. I was told to contact the companies that reported the inquires, and did just that and had gotten no where. 

Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX
XXXX XXXX purchased discharged mortgage from bank of america and now activated the loan and has destroyed my credit. this loan was chapter XXXX discharged on XXXX/XXXX/2011.
I had XXXX pre paid cards with XXXX, A MasterCard and a Visa for {$300.00} each. After I used to total amount on both cards, unauthorized charges were made to XXXX cards. They will not cooperate with me to get this off of my credit reports! Please help me. I am XXXX years old and XXXX.!!! 
Acct. # XXXX .... and XXXX ....
I transferred a {$6700.00} balance to my Barclay XXXX credit card in XXXX, 2015. I transferred what I thought was that balance plus some ( {$6800.00} ) OUT of the account 14 days later. Now EVERY SINGLE MONTH since I 'm charged interest on that Barclay card even though I pay off my statement every month. When I called the card company, they said that even though I transferred out the amount that I transferred in, they see it as I still owe interest on that money. They said that the only way to make it go away is that I pay off my statement balance AND any transactions that occurred AFTER the closing date of that statement balance. In other words, PAY MORE than what my ending balance is every month. They have credited me back the interest so far, but I have to call them every single month to get them to do that. There is something seriously wrong with this practice and it almost seems illegal.
I dispute the XXXX XXXX XXXX payment history. I am requesting that Transunion deleted this account. There no payment history with this company.
I opened a loan with peak acceptance XX/XX/XXXX and the car I had to let go for medical reasons it took them two months to pick it up and finally picked it up on XX/XX/XXXX. After the repossession i tried to contact them about personal belongings in the car and was not allowed to do so also I never received any notice about the sell of the vehicle like they are suppose to send you. Also I never received any paper work after the sell of the vehicle about any kind of remaining balance are any type of information from them. Also on my credit report they report date of last activity as XX/XX/XXXX and the car was repossessed in XX/XX/XXXX and they continued to report to my credit as me being late until XX/XX/XXXX even though there was no communication from them at all about any remaining balance are debt owed to them. Upon contacting them about this info I was told they do not have my debt in there system but yet call me 5 minutes later and say they found some information on my account but were unwilling to allow me to talk to anyone in the reporting department.
Upon checking my credit report on XX/XX/XXXX, it has come to my attention that XXXX XXXX XXXX has reported to all the credit reporting agencies such as XXXX, XXXX & XXXX that I'm not making any payments where in, Portfolio Recovery Associates, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that Portfolio Recovery Associates accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. Portfolio Recovery Associates, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX. 
On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact Portfolio Recovery Associates since they are the XXXX responsible in reporting the account to the credit reporting agencies. I did call Portfolio Recovery Associates but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXXXXXX  & XXXX  to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day. 
I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that Portfolio send me a notice in writing that they have already fix the problem.