WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX / 17  is did a balance transfer from a  Visa  Credit Card to this Capital  One  Master Card under a promo rate. {$3000.00} plus the {$65.00} charge On  XXXX / XXXX /   17  Capital  One  took my normal minimum payment {$25.00} On  XXXX / XXXX / 17  Capital  One  then took the Total Statement Balance {$3000.00} ( I did not authorize this or make any changes for this to occur ) On  XXXX / XXXX /   17  Capital realized the error and refunded the money back into my Checking and put the debt back on the credit card at the original Promo Rate for the error on their part.   During the call the Customer Se rvice Rep said  that he needed to reset up t he Auto Draft  and he would have the Payment come out with the same  XXXX  date.   On  XXXX / XXXX /   17  I get a letter that I am 2 months past due and right away make the {$76.00} payment to bring account current On  XXXX / XXXX / 17  I submit a complaint to adjust the 30 day late on my credit report On  XXXX / XXXX /   17  I get a letting saying the 30 day late is correct and the wont adjust it off On  XXXX / XXXX /   17  I ca  ll capital one again and they agree it should be removed but all they can do is submit another claim.
Capital One took the normal Minimum payme  nt on  XXXX  and if the system did not make a change and took the same payment on  XXXX  this would n't be an issue.     This is affecting my refi on my mortgage and I this is not my fault. I have perfect credit always on auto draft and the rep on the  XXXX / XXXX / 17  the rep should had advised that I needed to somehow make the  XXXX  payment again and the auto draft he set up would not work until  XXXX . I was mislead to just get the call over with and now I have this haunting 30 day late.     Please help
My Citibank card was closed due to " inactivity '', despite heavy banking activity with Citibank on the checking side, heavy use of another Citibank card, and no warning that cards can be closed due to " inactivity ''. Approximately four hours after receiving the notification, I called Citibank to get the card re-opened and was told that this would entail a hard credit pull, which would further damage my credit. In addition, this was my oldest tradeline, and there seems to be no indication that this would actually re-open the account -- it would just create a new Citi Dividend card, which I do n't want. I want the old account re-opened. XXXX in the Florida office was exceptionally rude to me, and not very understanding about the situation.
Paypal resists providing credit for items ordered but not received. I ordered a particular XXXX XXXX but did not receive it ; instead another kind that I did not order was sent to me. This was an internet sale and the seller did not provide an address or telephone number. It is not clear where the business ( XXXX XXXX and XXXX ) is located. Possibly, it is not in the U.S. The only way to contact the seller was through email ( XXXXXXXXXXXX ) but they did not respond to the email I sent about this. Thus, I had to get the refund from Paypal itself. Paypal subjects people to very long wait times. After you reach the first person, you are transferred to their " dispute '' section. However, in fact, you are simply transferred to a bunch of recorded garbage, most of which tries to get you to use their website. 

I had to wait another 5 minutes to get the dispute department. When someone answered the phone with a heavy foreign accent that made it difficult to understand what was being said, I gathered that they would contact the secret seller that ensures that its customers can not contact them directly. I reiterated my request that I be refunded the amount of the product, a small tree, for {$21.00} plus half of the shipping cost, {$6.00}, for a total of {$28.00}. It is not clear if or when the credit will be granted. 

The receipt number that Paypal emailed to me on XXXX XXXX 2016 was XXXX. It is now over a month since I was charged for something I never received.
I joined the XXXX in 2015 and my loans from NAVIENT were not deferred. I was reading your website and it says military Members are eligible for deferment during XXXX XXXX. 
NAVIENT is claiming that they are not required to defer during my time in XXXX and military schooling. 

Is this true and what can I do?
This complaint is against Wells Fargo. Our mother passed away on XX/XX/XXXX. Payments were made until hurricane Katria in XX/XX/XXXX. The  loan is currently in foreclosure and is being handled by XXXX XXXX.  The Lis Pendens was filed on XX/XX/XXXX and my siblings and I were served on XX/XX/XXXX. On XX/XX/XXXX I contacted the law firm and requested reinstatement figures good thru XX/XX/XXXX. On XX/XX/XXXX i received a reply from the law firm stating they would escalate the matter and contact Wells Fargo. On XX/XX/XXXX I received another email from atty office, stating figures come from Wells Fargo. I immediately made contact with Wells Fargo and was told they did not have permission to speak with me or any of my siblings. I explained to the rep that my name as well as my siblings are listed as an interested party in the Lis Pendens, which she stated she did not see and asked that I fax the document to her. She state there was a list of questions that she needed to ask me ; I completed the questions via phone. I faxed her a copy of the Lis Pendens on XX/XX/XXXX. I called on XX/XX/XXXX to f/u on the status of the reinstatement figures, was told to allow more time. Rcvd letter from Wells Fargo dated XX/XX/XXXXagain stating to allow more time. As of today no figures, atty fees are accruing when we would have liked to reinstate the loan by XX/XX/XXXX. While i understand Wells Fargo has their protocol to follow before releasing info, they accepted payments knowing our mother was deceased and now that we want to reinstate they are not releasing information. The unnecessary additional attorney fees and cost should not be on us as we have made every attempt to obtain reinstatement figures. Please help us obtain reinstatement figures to save our mother 's home. We have a sister that has moved from XXXX as of XX/XX/XXXX and is currently living in the property. Our desire is to keep the property.
after refiancing my home to purchase the land. i got XXXX to help. they drung me along for months as i was ready to file bankrupcie, they come up with the plan that if i had more money inthe bank, the company would finance me. i did't have any! so they gave me a XXXX check to deposit in my account. then walked out front door of bank and i had to write them a XXXX check back.?? anyway i got the loan. later learned they where run out of town lost there licence. and later the attorney was arrested that handled it all. mean while not to my knowing my loan was sold, and sold, and sold and sold, and witha payment now that when up to over XXXXdollars. i have XXXX a month coming in. tryed every thing i know, hamp, harp, and on and on. now as a XXXX year old that has been on this property for over 20 years there fourcloseing. i am a XXXX vet, my wife has XXXX, and we still have a adopted XXXX year old XXXX son living with us. and now have appox 30 days to get out. as i talked to the people from SELECT-PORT FOLIO. today trying to find a way not to be put out, the young girl i talked to said they would just get the sheriff to put us out. ( WONDREFUL PEOPLE ) there also know as XXXX. please look them up as they only changed there name. look i know there 's nothing you can do, but had to get this off my chest. will print and file with the rest of useless paper work.
Cavalry Portfolio Services, LLC. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from XXXX XXXX XXXX that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from XXXX. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted both which I could n't do. I had to rent a car to go to work which I am in sales and have to travel to clients homes. I had to take the money out of my retirement 401K. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. XXXX had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.
I received a corrected validation of debt notice from Selene Finance. This debt collector started contacting me by phone on XXXX XXXX. I have several calls contacting me during the day and during the night. When I asked them for additional information in regards to the debt that they were collecting, they were unable to give me an answer. After making a research in the XXXX XXXX records, I found that the property that served as a collateral of a loan that was included in my bankruptcy discharged was still under my name, despite the efforts of trying to giving the lender a deed in lieu. Notice that the lender at the time was not the current debt collector. Then i requested a debt validation to Selene Finance and the failed to submit XXXX. After many calls, i finally received a letter dated XXXX/XXXX/XXXX stating that they mailed a validation of debt on XXXX/XXXX/XXXX but they omitted some infromation and now they are sending a corrected validation of debt notice. After I review all this information, this debt collector is threting to sue me for the amount of the debt that they submitted on this notice. The reference debt is past due since XXXX/XXXX/XXXX per Selene Finance records and this debt was inclueded in a Bankruptcy discharged in XXXX. I have checked XXXX and confirmed that the status of limitation on this type of debt has expired and I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. This is a violation of the rules and regulations of the CFPB that strictly prohibit creditors and /or collector from attempting to sue a consumer over the time-barred debt.
On Friday XX/XX/2019 at XXXX central standard time I set up a funds transfer with XXXX XXXX to put XXXX into my XXXX XXXX bank account it turned out that it was not allowed to do this unless you done it before no where does it say that I was told I wasn't getting any if my money back and I have contacted the ftc Federal reserve bank and department of Justice us attorney office with that being said I was notified by XXXX XXXX   that I will have all money totaling XXXX back in my card in 5 days from the time the transaction took place
On XX/XX/XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XX/XX/XXXX and somehow Experian is reporting late payments from XX/XX/XXXX-XX/XX/XXXX and I did not even have this account during this time ; please remove late payment history from this account.
I submitted a dispute for inaccurate information reporting to Experian on 3 separate occasions. The last response came back as verified. On XX/XX/2017 @ XXXX I contacted XXXX who would n't share his last name, only that he 's on XXXX. I asked could he provide me with method of verification used to verify this record. I was told by the court house. I went on to explain to him I previously contacted the court house and they notified me they do not verify information. He continuously stated it was the court house. I requested the name of the court house, person 's name who verified the dispute, the address and phone number as well as any verifying documentation. He went on to say he could n't provide me with that information. FCRA, section 609 a ( 2 ) states the credit reporting agency must disclose the source of the information. FCRA section 611 paragraph ( 6 ) ( B ) states " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available.
See attached lette r Capital One took it upon themselves to become a reporting agency which they are not and instructed the credit reporting agencies to remove a closed account that was paid/good standing which has damaged  my credit report and credit history.
First progress ( FP ) a prepaid credit card company recently rolled out a new paperless billing option. Once I enrolled, I did not receive an email statement for the billing cycle for that month ( i did not realize this at the time ). The following month I received a paperless statement indicating my payment for the previous month ( the month I had enrolled ) was not received. I checked my email and spam and realized the FP had not sent me an electronic statement for the month I had enrolled. I wrote to them explained how they missed sending me the electronic statement for the month I had enrolled but they shrugged it off by writing me a letter that stated that my complaint was " frivolous or irrelevant under the regulation V fair credit reporting. I selected this prepaid to better my credit and this late payment will effect my credit negatively. I hope this can be corrected.
After 10 business days after filing my claim with Netspend they determined that there were " No Errors " The claim was for XXXX spent while I was incapacitated and the card was not in my possession and I provided proof to XXXX . I find it impossible to make a determination I 'm 10 days, I feel that the problem is the amount of the claim, that they have a problem with, after several attempts to call them, I get hung up on or am on hold for 10 minutes or more and have even talked to someone in the corporate office and they have even made notes on my account that Ithey spoke with me on XXXX/XXXX/2016, when in fact they did not.
Elan Cardmember Services applied payments that exceed the minimum to new promotional balance vs old promotional balance.
Main borrower on the mortgage abandoned property XX/XX/XXXX, moved to California. 
Per Wells Fargo Home Mortgage in order to get loan modification solely based on myself I would have to obtain a Quit Claim Deed, which was obtained and recorded XX/XX/XXXX. 
The lender ( FHA /Wells Fargo ) are now insisting I provide them with more information pertaining to the other person on the loan ( abandoned party ). Which I have told them is impossible to do, we are no longer in contact with each other. Per Wells Fargo without this information they will be unable to assist me.
My mortgage servicing was recently transferred to Central Mortgage Company. They are charging me a {$5.00} fee to make one-time payments online. This is an unusual and unfair practice, especially in 2016 in which all banking and payments are done online electronically! In my loan documents, it was stated that there are no prepayment penalties. Well, this " fee '' is a penalty, in which if I wanted to make more payments in a month to lower my principle I am being penalized. Please help as this ca n't be an acceptable practice.
Both Equifax and XXXX report an account that is over the statue of limitations. The XXXXXXXX XXXX XXXX the first time it was disputed they both sent in information indicating the account first became late in XX/XX/2011 then when additional information was requested, they started to report different dates the account was delinquent. Every response/report received has different information and it makes no sense. Also my mortgage with XXXX XXXX XXXX was modified under the govt relief act and part of that process is that they were not suppose to report late payments during the process yet the two bureaus are still reporting them.
PMAB , LLC has submitted false information on my credit report since XX/XX/XXXX. They claim that I owe them {$3200.00}. I'm not, nor do I know the individual whose name is on that bill. I mailed them a certified letter requesting validation of the debt. They received the letter on XX/XX/XXXX but I have not heard anything back from they regarding this issue. They are in violation of my rights as a consumer under the FCRA.
My original mortgage owner filed for bankruptcy. Later, Chase said I was to pay them because they were the new owner of the debt. I went to the courthouse and ownership was not assigned to Chase. My name and the original mortgage company was on the deed. I contacted Chase about it and the sent me a letter acknowledging that they did not have Power of Attorney of my house yet they are trying to foreclose on it. I filed the paper work from the stating that at XXXX XXXX courthouse. In the meantime, I was denied at least 4 times for a modification. Now, chase has continually filed for foreclosure on my house. They want me to modify my loan with them, but I filed for bankruptcy and Chase purposefully did not reaffirm my debt then tried to foreclose because they did not reaffirm the debt. I went back to the courthouse and now Chase place an assignment on the deed, after they filed for foreclosure. In GA, assignments must be made before filing for foreclosure. I retained an attorney. He found know robo signed names on all of the assignment paperwork. My attorney no longer practices law but I do have all of my files. I do not have the money to hire another attorney, but Chase does not have nor have they ever had any legal rights to the house and are trying to force me out illegally. Also, most of this started with I applied for a mortification a few years ago. I was under trial payments, after I paid the trial payments on time, I did not receive any additional info from Chase. I called and was told to wait until I receive correspondence concerning the next steps. The next correspondence I received was when they filed for foreclosure. This has been going on for a few years. I need some type of resolution on this matter because Chase does not believe they have done anything wrong and I have already exhausted thousands of dollars trying to fight them.
I received a notification from  Alliance One Receivables Management Inc   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  stating that I owed a debt in the amount of {$1000.00}. I checked my credit report and saw that this company checked my credit for a  Installment   Loan  on  XXXX   XXXX ,   XXXX  . I never applied for a loan and was n't sure why this inquiry happened. So I called the number located in the in the inquiry to ask about the false information and the representative explained to me that her collection company did not check my credit report for credit worthiness. I explained to the representative that her collection company 's address and phone number was the same on my credit report. The representative continued to deny that their company made the inquiry and that   XXXX   XXXX   XXXX   made the inquiry. The representative continued to deny they did this and I explained to her that " collection agencies dont make inquiries that collect debts. Only if I apply for credit will a potential creditor will check my credit. '' I explained to her that this inquiry will affect my credit for the ne xt two  years and why did they do this. The representative continued to deny their company took this action so I hung up and filed this report. Im looking to have this erroneous and false information about me applying for an  Installment Loan  removed from all  XXXX  credit bureaus.
On or about XX/XX/2018, XX/XX/2018 and XX/XX/2018, I sent written notice to XXXX   XXXX and Trans Union that they were reporting 2 Bankruptcy accounts that are not mine. I asked each repository to provide where that information came from and to delete accordingly. Only XXXX provided XXXX XXXX as being where they received the information I have subsequently reached out to XXXX XXXX and the US Bankruptcy Court and was told that neither verifies any 3rd party requests. There is no way that any repository was able to verify these accounts that are not mine as being mine since the US Bankruptcy Court does not verify this type of information to 3rd parties
I received an initial demand letter XX/XX/18 from alpha recovery Corp. They had already begun calling me on XX/XX/18 before i had ever received their letter. Had i known what this was pertaining to i would have advised them it was not my debt. They were threatening and rude. Someone else used my social security number to obtain this loan. They called my parents and they were harassing and threatening. I do not owe this debt and I requested well communication be written through their website. I submitted in writing through there website a dispute. I expect this matter to be resolved.
XX/XX/XXXX a hippa debt validation letter was sent to the company to validate the debt not verify for the billed amount {$950.00} which was not validated by the company which they are in violation
TransUnion is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent TransUnion SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where TransUnion has received validation Of debt and verified the said debt with the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine it has since been removed from there records and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record as well as documentation received from the courts. The documentation from the courts was sent in a dispute via certified mail. I was also informed on the same call that they DO NOT Request validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it!
I have for the last five months asking for validation that the following accounts XXXX # XXXX, US BKPT CT TX XXXX # XXXX, US BKPT CT XXXX XXXX XXXX, and US BKPT CT TX XXXX # XXXX from Experian, I have not received the information that I requested. I would like the name of persons that the credit bureau used to validate these accounts, instead they send letters saying that they are correct, but they are not correct and I would like them to remove them immediately or will be forced to file lawsuit against Experian under the Fair Credit Reporting Act for removal and up to {$1000.00} for each violation.
I have full or Part time status in XXXX school and received an email from Navient to check my account. When I checked my account, I noticed I was two months past due with a late charge. I called Navient and spoke with a representative and advised him that I was still in school. He explained the he did not receive any information from the school. I explained to him that can not be the case since XXXX XXXX received the information that I 'm in school. I advised him that I could not afford and should not have to afford the payment if I 'm still in school and was advised that he could not do anything for me. 
My question is and correct me if I 'm wrong, Does n't Federal Law state that if you 're in school full or part time, you student loans will remain in Forbearance? If so, how and why am I being assisted charges? I have read over XXXX reviews about Navient and there is nothing positive.