WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One received a cashier 's check by mail to be applied to my credit card balance. The account updated stating payment was received on XXXX/XXXX/2016 and posted on XXXX/XXXX/2016. Although, the credit card reflected a credit for an overpayment, the available credit on the account remained at {$20.00}. When calling to inquire about the available credit, I was informed that the payment had been placed on hold for 9 days. I questioned the legitimacy of the hold for a cashier 's check less than {$5000.00} considering REG CC requirements. I was told by the manager that a hold can be placed on ANY payment without an explanation regardless of the form of payment used. No attempts were made to verify the check. Not to mention the credit card is fully secured by my funds. When asked what the reason was for the hold, I was told no specific reason could be given and that it could be several causes. I was alarmed by the response and said that it sounded like a violation of a federal regulation. When denied credit, a reason must be given. When funds are placed on hold in a deposit account, a reason must be given. Unfortunately, Capital One states, no reason is necessary for holding funds applied towards a credit card. After attempting to reason with the manager, I was only shot down multiple times. By the time this is resolved, I 'm likely to have access to my funds. But, the idea that they can make rules that go against federal regulations and inconvenience their customers without an explanation is my concern. No business should be able to impose limitations to access of one 's own funds without an explanation.
I took a pay cut a few years ago I was forced to file for bankruptcy XX/XX/XXXX as of XX/XX/XXXX Santander consumer offered to defer my monthly payments on my vehicle for six months XX/XX/XXXX my bankruptcy finally cleared the same month that my last deferred loan payment on my vehicle was to go through and found out that because of the bankruptcy I was denied for deferred loan and required to pay the back fees from XX/XX/XXXX to XX/XX/XXXX. Even though I agreed to keep my vehicle after bankruptcy Santander consumer took me to court anyway. I talked to Santander consumer about the {$3000.00} of back fees in hopes to get the payments down and I was promised that every time I make payments I would be given 30 days in which was a lie and my vehicle was repossessed on XX/XX/XXXX after throwing numerous of payments to bring the balance down to {$1400.00} in the past few weeks they still took my vehicle and will no longer take payments and they now want {$2000.00} in order for me to get my vehicle back in which I do not have the funds to do so but right away. Especially being I work out of town
After waiting 5 months for assistance with my mortgage payments because I lost job the lender only offered a forberence plan that would then put me past due. Th offer is still unaffordable based on just my husbands income. They intentionally want me to default on my loan. After Ive begged for a modification, which I am eligible for they refuse to help. I explained to the underwriter that reviewed my paperwork that {$820.00} a month still doesnt meet the requirement of 31 % of my new household income. Also, if I default on my payments it affects my credit which will also affect my chances of finding a job. When Ive applied for jobs I need to pass a background and credit check, if Im delinquent it wont help me get out of his financial hardship.
On XXXX/XXXX/17 I Disputed both accounts # XXXX and XXXX in which ERC received on XXXX/XXXX/17 and they did not list account # XXXX in dispute! They also responded to the dispute of account number XXXX on XXXX/XXXX/17 which is well over the time allowed! In regards to both account numbers ERC sent out alleged Bill statements which is incomplete, and has no break down of inaccurate amounts, They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have I ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! 
SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open, AND Account type WHICH list [ collection-non specific ] W/XXXX AND list [ Other ] W/XXXX Similarly, telephones are often used for business purposes. This includes cell phones, and even land lines that are located in residences, which might be used for home businesses. To identify whether a debt was incurred, the starting point would be looking at the charges reflected on the monthly phone bills. If the bills can be obtained, the charges will not be self-explanatory. Once again, the debtor would need to be deposed in order to determine if each of the charges is properly characterized as business or personal. 
While some unpaid obligations will always qualify as a debt under the XXXX, many will not. Collectors should examine each case individually to determine whether a debt was incurred and whether the Act applies. 
DOES NOT QUALIFY TO FALL UNDER DEBT as stated under XXXX.
Our Wells Fargo Visa card was charged on a card number that had been closed. We closed this card because we began to question the integrity of our contractor. Visa authorized the charge on the card that we had closed.

We hired a contractor ( XXXX XXXX XXXX - XXXX, GA ) to paint the exterior of our home. We paid a deposit of {$2100.00} ( on our WellsFargo credit card ) on XX/XX/2018. The contractor ( XXXX XXXX XXXX - XXXX, GA ) did not finish two portions of the job.

Number one he debated that they provided this service, even though it is detailed in his proposal. Number two, the contractor admitted that this was never completed and he agreed that it would be taken off of the final balance.

1. Perform complete and extensive surface preparation including sanding of all peeling paint and re-glazing of all windows where glazing is loose and/or missing. ( Part of the Painting portion of {$3600.00} ) 2. WOOD REPLACEMENT = {$570.00} Replace ( 2 ) 2x10 on garage. Replace ( 2 ) 1x4 on front garage. Replace 27 feet of lx8 and drip cap on right side. Replace 1 sill nosing with PVC on front right lower window Replace 16 feet of fascia on right side On XX/XX/2018, the contractor ( XXXX XXXX XXXX - XXXX, GA ) charged another {$2100.00}. The job was not finished and not signed off on. Plus, he charged us the full balance when items one and two were not compete. The total job was XXXX less the deposit of {$2100.00}, less {$570.00} ( wood replacement - which was not done ), the total should have been {$1400.00}, when the glazing was complete. So, complaint is two fold. First, the contractor ( XXXX XXXX XXXX - XXXX, GA ) charged the card without authorization and without completing the project. Second, he overcharged the balance by {$700.00}.
In XX/XX/XXXX, I filed for a loan modification because of a {$92000.00} loss in revenue I suffered due to a jealous employee. I have made many calls to Amerihome and each of those calls were inconsistent with the previous. This was so alarming that I believed Amerihome was purposely misleading me so as to to take my home. Terrified, I sought the advice of an attorney and was advised to contact HUD and record names, I.D . numbers and dates. Back in XXXX I called in to make a {$5000.00} payment, however, the person I spoke with indicated I couldn't make a payment while in loss mitigation. As well, on XX/XX/XXXX I  spoke with Ms. XXXX # XXXX she told me to send equipment loss documentation as well, she told me because my balance was so high that I probably would not get a modification. On XX/XX/XXXX I spoke with Ms. XXXX # XXXX she confirmed the equipment loss docs had been received. However, when I checked in on XX/XX/XXXX Ms. XXXX # XXXX informed me that my file had been closed on XX/XX/XXXX and they were foreclosing, she also explained that Ms. XXXX should've made me aware of the closing of my file when I spoke with her on XX/XX/XXXX. Ms. XXXX advised that if I met certain criteria, I could have entered into a payment plan that would have allowed me to get back on track without having to go through a modification. In sum, I am very fearful of losing my dream home ... I've provided every document that has been asked of me. Noteworthy, there were serious omissions on part of Amerihome that would've changed the outcome. I had been back and forth with Amerihome for 9 months and was asked to submit the same paperwork over and over. When asked to speak to a supervisor, I was placed on hold for over 45 minutes each time. Amerihome is consistently inconsistent and their unethical and predatory practices are so apparent in all the complaints I have read. I never, ever received a response to my loss mitigation application that I have submitted three times over! It shouldn't take over 9 months to review an application and make a determination. They now tell me that I am in foreclosure after never even trying to offer me a solution or give me any results of my application. This is unfair! I have all of my submitted documents and proof of all of the faxes being submitted. I am extremely stressed and worried about losing our dream home and becoming homeless with my wife and son. I have contacted HUD, XXXX and a lawyer and I do not want to claim bankruptcy over such a nominal amount of money. I XXXX XXXX XXXX and have the means to pay my mortgage now that things are back on track but Amerihome seems to want to take my home and haven't given me the proper service.
Capital One 360 purchased ING Direct ( a year or so ago ), from whom I have a mortgage since XXXX XXXX. The mortgage has never had any escrow, and on XXXX XXXX, XXXX, I received a notice that an escrow amount was to be added to my payment, in the amount of {$150.00} to cover some projected shortage of {$1800.00}. There was no explanation of where this " shortage '' came from, since I have kept insurance on the property and the taxes paid throughout the mortgage term. I faxed insurance coverage information on XXXX/XXXX/XXXX and stated my concerns about the escrow addition, and I requested confirmation that my issue had been heard and was addressed. I heard NO RESPONSE from Capital One 360, until I looked at my account on XXXX/XXXX/XXXX and saw no change. I then made another call on XXXX/XXXX/XXXX and faxed additional information ( on XXXX taxes ). In a conversation with XXXX at Capital One 360 on XXXX/XXXX/XXXX, I am now told that a force-placed insurance policy was purchased for the property in XXXX for over {$2700.00}, and that when I faxed in proof of insurance back then, a credit of {$1100.00} was provided. I have that letter from ING Direct. Please know that my XXXX insurance premium for this property is around {$900.00} per year, so even this purported " credit '' of {$1100.00} exceeds a reasonable annual premium amount. And they are still looking for nearly {$XXXX} to be repaid for their force-placed insurance policy in XXXX that was XXXX times ( XXXX ) the amount of a XXXX policy. I do not believe that I should owe anything further to this lender since it is clear that there was an attempt to gouge me as borrower. After I noted my intention to file a complaint with the CFPB, my call on XXXX/XXXX/XXXX was escalated to XXXX, who indicated that their force-placed insurance policies can be priced up to XXXX a reasonable policy premium. I do n't agree that this is an acceptable way to do business.
my bank asked me to agree to terms of an agreement before I could proceed with online banking tasks. the agreement contained some language that sounded way too general and unreasonable.
I received a copy of my Equifax credit report. The credit report showed a credit inquiry by XXXX, XXXX, and Equifax Mortgages that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have asked that this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. I have asked so kind as to forward me documentation that they have had the unauthorized inquiry removed. 
Or if they find that I am remiss, and they did have my authorization to inquire into my credit report, then please send me proof of this. 
Equifax is refusing to investigate unauthorized inquiries on my credit report.
I lost my job in XXXX XXXX. I have to take a loan with the company Western Sky in order to keep my apartment. I did n't understand finances at the time. Their interest rate was over 100 %. It also stipulated that my payments of over $ XXXX/month would go towards the interest rather than the principle. The loan was only for {$6000.00}. I have been paying for 4 years spending several thousand dollars above the principle but not clearing the debt. Western Sky claimed to be a tribal lender, however the company collecting the debt was XXXX. Now Delbert Services is collecting payments at a lower rate which they had me resign a contract for, about a year later if I recall correctly. I have just recently heard that these companies have already had several lawsuits against them, including in my home state of Virginia. In those, to my understanding, it was determined that their loan terms and collections practices were predatorial and illegal. I believe that it was determined that any loans signed for by those companies prior to XX/XX/XXXX were ruled that only the principle of the loan had to be repaid by the recipient of the loan and any amounts over said principle were to be repaid to the signatory. I do not know how to make myself known as a member of that class to receive restitution. Due to this loan, I can not pay other bills, nor do I have money to buy food for myself and my XXXX dependant. I can not maintain my car, so will likely lose my current job as well. Yet they are still automatically deducting their payments from my account via ACH, which my bank says it can not stop. Please assist and advise me in any way possible.
Due to XXXX in my immediate family and my own illness I fell behind in my payments. I am working as hard as I can to catch up but the collection calls are relentless they start at XXXX XXXX XXXX XXXX and do n't stop until XXXX XXXX  seven days a week, The callers make threats to come and get the car and when I advised them to do so they refuse to come and get the vehicle. I have asked for the paperwork to be sent to relinquish the vehicle back to the lender and they refuse to send it. 

I have repeatedly asked not to be contacted while I am at work during the hours of XXXX XXXX  and XXXX XXXX yet the continue to call. If I l do not answer the phone they hang up and call right back. Because they will not respect my request not to call during my working hours or not to call my place of employment my employment may be in jeopardy, On Sunday XXXX XXXX, 2018 I received twenty calls from the lender in a single day.
We have been processing a short sale for a client who has a mortgage through Ditech Loan Servicing ( FKA Green Tree Servicing ) since XXXX. The original offer started out at {$420000.00} and it was not accepted because the lender was not taking into consideration the effect that structural issues & damage has on the value. The home is sinking into the ground and into the lake that it is on. We have provided Ditech with several full appraisals, engineer 's reports & repair bids to substantiate this. We have had several offers since XXXX, each time lower than the last due to these issues AND this home can not qualify for any type of financing and can only be purchase with a cash buyer who is able to make the necessary repairs. Each time Ditech rejected the offers no matter what supporting information was provided. This brings us to XXXX XXXX. An offer was received for {$300000.00} after the potential buyer completed an appraisal of his own to determine what a viable offer would be ( he made the offer at full appraisal value of {$300000.00} ). Ditech did an appraisal which resulted in a value of {$330000.00} and rejected the offer. We were able to find another buyer at {$330000.00} and submitted the offer to Ditech on XXXX/XXXX/XXXX. Ditech has since done another appraisal and is now saying that in a span of less than 3 months, the appraised value has increased to over {$430000.00} and they will not be considering the current offer of {$330000.00}. They have no explanation as to the differing values and will not even discuss this any further. No one will speak with us and the assigned representative does not respond tocalls or emails as we have been trying to reach him since the offer was submitted on XXXX/XXXX/XXXX. In addition to this, Ditech throws out any documents on file once an offer is rejected, so each time a new offer is submitted, a completely new application package and all supporting documents ( such as divorce information which does not expire ) have to be resubmitted. This is extremely frustrating to the borrowers, yet they have complied with each request. Ditech has rejected several viable offers which were supported by appraisals, repair bids, engineer 's reports etc and they are moving forward with the foreclosure when the borrowers have done everything to comply with the short sale process requirements.
For the XXXX time in my life I purchased a car. I was advised by the dealership here in Texas that CPS was financing the car. That was XXXX. As of today, XXXX, I have yet to receive ANY documentation from CPS. However, today I did receive a dept collection call from them because the XXXX payment was due XXXX & I was late. I NEVER knew the payment date & the dealership was n't certain of the actual monthly amount. Back on XXXX, my wife scanned and emailed a copy of the receipts for the down payment, a complete copy of the contract we received, and pictures of the interior and exterior of the car. The reason so is because when I received a call from the CPS processor I was advised the car had leather interior and a XXXX stereo system. This is n't the case at all. My wife and I were very concerned and have tried desperately to get a copy of the paperwork the dealership submitted to CPS. CPS has failed to provide us with anything even the monthly statement. Then, when we made the payment today we were charged a fee of over {$12.00} for XXXX XXXX although my wife paid with her debit card. When we call we 're dealing with the automated system, and when we do get someone it 's always a processor or operator that ca n't help us. When they tell us we 're being transferred to the CPS branch it just goes to the automated system and back to another processor. We are concerned we 're paying for vehicle features we do not have. And, to make matters worse, we recently learned ( the manager of the dealership slipped up and told us ) he added additional income XXXX check ) to the paperwork. I do n't receive a XXXX check at all. I have never dealt with anything of this nature in my life.
I have been trying to get a XXXX plan with my servicer but they keep denying me for documentation or not responding. Help, I changed jobs and took a drastic decrease in income and cant afford to pay the payments and need the plan changed without getting a run around.
I have receiving a pre-recorded message of a women voice debt collection agency on from Cti Finiancial with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help!
i have had discover secured card for tow and a half years. The discover credit card has terms that it would be reviewed monthly after the 7 month to see if was eligible to become unsecured and have my security returned to me .The issue I have is that my card remains secured despite an increase in my credit score and on time payments. Customers with similar or worse credit profiles accounts have become unsecured in a much shorter amount of time. I have contacted their customer service on multiple occasions to inquire about this. The reps have told me that I can try to apply for another one of their credit cards or just close the account! I asked for the number to Discover Corporate office  and more than one customer service rep has told me thy do not have it. They did not even offer to have someone higher up contact me or call me back! This is unacceptable!!
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.