WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was Denied for Capital One Visa Credit card because of my XXXX XXXX XXXX XXXX XXXX .I am a Military Veteran. On the letter of application ID # XXXX of Capital One Bank states that I was because of many deliquent past or present Capital One Credit obligations. I do n't have no Capital One credit cards active or Capital One Bank collections on my credit report with XXXX, XXXX and XXXX, bankruptcy chapter XXXX that was filed on XX/XX/XXXX and Discharged on XX/XX/XXXX by XXXX, Texas Federal Judge. On XX/XX/XXXX Capital One sent me a letter with application number # XXXX and Capital One Case # XXXX with CFBP case # XXXX. Capital One administration will not issue me a Visa credit card and continuing to Discrimate and Retaliate against because of National Origin as a XXXX and Military Veteran. Why Denied a XXXX Citizen and Military Veteran because a filed Bankruptcy chapter XXXX and XXXX and XXXX XXXX XXXX?.
Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXX when I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments from my credit report.
I have had my account less than 1 year with this bank. During my time with them, I was told many things by the branch. One of those things is that they do n't charge fees on top of fees. Recently I received an overdraft fee and I was told that it was the only fee I would get. They then turned around and charged me an additional {$30.00} fee. Also recently, I used their mobile deposit for a payroll check. They refused to provide me with access to my money and placed a large hold on it. I asked for it to be canceled and I was informed they have no option to cancel a mobile deposit and that they can do whatever with my money they want. They indicated to me that the law allows them to hold a check as long as they choose, however the law also says they have to inform me of that hold. If they choose to hold and not inform me or allow me to cancel then they are violating the law.
I went into a branch on X/XX/17 and made a CASH payment with a teller. My payment processed on X/XX/17, however my available credit has not changed. According to the representative and then supervisor I spoke with this morning, they are still verifying my payment. They said it is still pending and the hold will drop tomorrow, unless they contact someone at the branch and verify. I waited for them to call, but nobody at the branch answered the phone. 
They take 9 days to verify cash transactions? They also did the same thing when I made a deposit through the atm into my checking account. I had to call and wait, and then go through verification that a deposit of CASH was made. 
They are sitting and holding peoples money.
I have requested to have an address deleted and when I get back the results, it says, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX '' but the address has not been deleted. 

I also had another dispute where I asked to change my address to my current address at XXXX XXXX XXXX, XXXX, IL XXXX. I got results that it was changed but it still shows an incorrect current address.
Our mortgage was purchased by Ocwen a few years ago. Recently ( XX/XX/XXXX ), I called to ask about the status of a loan modification that we applied for and was told that we had an outstanding balance on our account. I thought it was strange and so I checked to verify that we had paid our bill that month. I located my bill, checked the amount, and verified online that our check had cleared - it had. 

When I asked for more information they told me that there had been an increase our bill. However, when I asked about when this had taken place I was told that it happened after my bill was generated and mailed. In other words, I had NO WRITTEN ANNOUNCEMENT of the increase in the amount that they are saying took place on XXXX XXXX. 
I have tried 5 times or so to contact them about this and every time I have heard that the only people who can handle this are 'supervisors ' who happen to be on other calls each time that I call. Today it is XXXX/XXXX/16 and there is still no end in sight to this madness since I was just told over the phone by a normal agent that in addition to this my payment was going up again in XX/XX/XXXX to another amount for which I had NO NOTICE. 

Ocwen is well known for their frequent violations of legal procedures when it comes to loan management. They purchased our loan, it was not our choice to work with them. This sort of behavior should be dealt with more effectively and consistently. As far as I know many lawsuits and fines have been handed to them, and they have not changed any of the practices from the complaints that I have found on the XXXX. I am hoping that this is a more helpful avenue.
We paid our servicer, Ocwen Loan Servicing two ( 2 ) months in advance monthly mortgage payments. Per Ocwen credit history report on the first page, Ocwen reported in XXXX 2016 for XXXX 2016 only! Ocwen failed to report our advance monthly payments that were made. Per the credit reporting statement from Ocwen, on the XXXX page reflects that Ocwen reported to the credit bureaus on XXXX XXXX 2016 and our account is current. Per the payments and amounts due statement from Ocwen reflects our next payment is not due until XXXX XXXX 2016 for {$690.00}, XXXX page. Per the payment history statement from Ocwen, this statement reflects that we are not due until XXXX XXXX 2016, forth page. The facts are, the documentation that is enclosed reflects that we paid Ocwen loan servicing advance monthly payments. Ocwen has failed to report to all the credit bureaus accurately. Ocwen has failed to report to all the credit bureaus that we are current until XXXX XXXX 2016. Ocwen Loan Servicing must report to all credit bureaus accurately, by law. Ocwen Loan Servicing must be required to report our advanced monthly payments, reflect as current, reflect that we are not due to make another payment until XXXX XXXX 2016. Ocwen is hurting our chance to improve our credit history, our FICO scores and a future loan!
On   XXXX   XXXX     Rushcard canceled my card before contacting me about charges when I advised I attempted the charges a  XXXX  stated he would get me a replacement card sent out right away and waive the {$30.00} fee. Stated it will take  XXXX  business days to see the reversal. I called back on   XXXX   XXXX   and it had not been done said they needed  XXXX  more business days called back the  XXXX  said they needed  XXXX  more business days on    XXXX   XXXX    I called they stated they needed  XXXX  business hours also called again today still nothing has been done asked for another  XXXX  business hours. Stating they have no way of contacting there corporate.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.
Refinance was refused due to improper appraisal. I was charged for incorrect appraisal. Appraiser did not know market area ; did not perform a complete inspection ; included blatantly false and misleading statements on appraisal ; did not use similar properties in similar locations for comparable values ; misidentified zoning classification ; misidentified neighborhood and amenities.
American anesthesiology of nj pc illegally provided my persona medical information to an entity claiming to be an attorney office, Schachter Portnoy, llc. When I got on the Phone to discuss a payment arrangement I found out that they 'd used a communication tactic and that I was actually speaking with a debt collector. The gentleman on the phone identified himself. I feel.violated by this and hence this complaint. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not.give permission to any of my current or prior medical providers to release any information to a third party. I am.aware that Hipaa does allow the release of limited information about me but anything more is only to be revealed with patients authorization.
Protfolio Recovery Associates LLC bought all my charged off credit card debt. They can not collect a debt that they purchased for pennies on the dollar. They are not a collection company. They tried to sue me once, I got a laywer to dimiss it. They call me at least 10 times a day at my work and my cell which they never had permission to contact me. They call my daughters phone number, which i never gave them permission to contact her. They call from spoof numbers that are local with my area code. They have now gone and placed these items on my credit report. I have disputed it with XXXX and XXXX but they will not remove it. I dont owe these people anything and want them to stop harassing me and remove this stuff off my credit report. I have blocked their numbers as they come in, I have over 100 numbers from my area code blocked in my phone.
I have Wells Fargo Visa Credit Card for around two ( 2 ) years, since the beginning I transferred an amount to not interest program for 12 month, I took the entire 12 month to pay it off, right after that I stop to use this credit card in order to keep in good standing my credit scores from my bureau of credit, today XXXX/XXXX/2016 I have received a letter from Wells Fargo Bank telling me that my account was closed because I have not activity for more than six ( 6 ) month, I believe be notified before to close the account just to give me the opportunity to use this credit card in order to prevent to be account close, will be the best way from Wells Fargo bank to show any respect for a client and do not be a XXXX against XXXX, I called them and they told me, they can not do anything for me, now I have my credit report affected because their decision to close my account, I am very frustrate because when you try to find the best way to solve this situation, you have a Giant telling you, '' I do what I want to do, you really do not count ", please help me in this unfair situation, Thank you, if you need more information just contact to me
Set up account to receive payments from our customer through American Express Buyer Initiated Payments program. They set up the account incorrectly such that payments we were to have received were directed to XXXX XXXX ( we have no relationship with XXXX. ) XXXX rejected the first payment we were to receive via ACH so Amex sent us a check. They stopped payment on that check causing us to incur overdraft fees. When we called to correct the electronic banking information, the salesperson set up another, unauthorized account that had our correct banking information rather than correcting the original account. They also sent us a letter saying that Amex would no longer send checks for rejected ACH payments. However, our next payment of approximately {$1.00} XXXX was sent to XXXX XXXX as well. It rejected so on XX/XX/XXXX they issued a paper check. We still have not received the check. We are incurring interest charges every day ( {$230.00} a day ) that we do not have that check in addition to delaying vendor payments and potential payroll impacts. Upon calling to customer service, the representative and supervisor refused to send us a wire saying that American Express does not send wires ( an obvious lie. ) They also refused to refund any of the {$22000.00} fee they received for the service of " experience faster payments & eliminate check processing costs '' per their literature.
They have called me at work many times and is now contacting my supervisor and releasing personal information to him about me. They also refuse to provide verification of debt and threatened to have me served with legal papers or arrested.
XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX   XXXX  XX/XX/XXXX ,  XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX . XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX   XXXX  XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX .   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . This company, which I hold no contract with nor have received services from reported inquiries against my ssn with  XXXX , Experian, and   XXXX    credit reporting agencies. I have requested verification of the accounts, however the businesses failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to have these hard inquiries. I demand the businesses remove the negative report against my ssn at any credit reporting agency, including but not limited to  XXXX ,  XXXX , and Experian. In addition, the businesses agrees to have no contact in any form with me regarding these accounts now or in the future. They agree to remove my personal information from all accounts in The companies database. I had a problem with these a while back they was deleted and due to  XXXX  and  XXXX  glitch in the system they were added back on my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted  XXXX  and  XXXX  in good faith to ask them to delete the inquiries that they had illegally readded. These inquiries are adding a hardship on my credit and I feel my rights were violated by  XXXX  and  XXXX  I wish that  XXXX  and  XXXX  would stop victimizing me. As a resolution I wish that all of my inquiries be deleted permanently from my report as a violation took place when they were illegally added.
I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX XXXX XXXX was an account agreed to be removed many years ago and now its back on my credit file under a different name.

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX  with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX  at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.
The two accounts that's reporting on my credit file XXXX XXXX and XXXX XXXX XXXX XXXX was never verified by the credit bureau that it's my debt and all the things that's reporting. This is against the FCRA & CFPB. I've sent letters every month certified and they refuse to investigate or sent me proof that's both are my debts.
On XX/XX/2018, I was cleared and Processed of a payment of {$1400.00}. I made a sale through paypal from a buyer that I have been doing business with for past few years. XXXX bought a rare signed XXXX XXXX XXXX from me at a price of {$4300.00}. This was supposed to been wired to my account as I instructed. I also sold {$1000.00} rare comic to a different buyer as well. Both deposits entered into my account and all was fine for few days. After spending most of money, account was frozen and closed once more by XXXX from Fraud department. After selling 5 different iyrhs to 5 different buyers at different locations, bank tells me they sent all monies back. So my property and money was gone. I asked was all the transactions verified if good or bad. The manager said they did not check all. This was unacceptable when most of money if not all was good. This was done in one of my credit cards from US Bank. I should had been notified before monies sent back for international bank to verify once more. I spoke to them several times and assured it was all good.
I went to XXXX XXXX onXX/XX/XXXX to refinance my house so that I can buy and investment house. I gave them all document they need. the same day they ask for it the got in with no delay in my part.

I told XXXX I had closing date was lawyer gave was XX/XX/XXXX with a 30 days more I extension which dateXX/XX/XXXX. I saw that we were getting close to the date, so I call XXXX and he telling me I had a modification loan years ago ( this was another night mare ) and it came up in the title and that I had to pay that back. Well XXXX knew this from the beginning. So the went and modified the problem. then started delaying more and more passing both closing estimated date. With no return calls and any feed back. I call branch manager and gave me attitude like I was wrong the nerve. I call and told them they need to call my lawyer for extension. They call my lawyer office and told them they need extension because I did want to close with the 6 % the were offering.

This is all a lie first they gave me a rate for refinance 4.1 and investment home 5.0 and I was ok with it. I then figured out the game they wanted to wait to rate goes up so that the can make more money off me.

Wells Fargo is the worst bank I dealt with, I need someone to investigated my account since day one I open a mortgage XX/XX/XXXX and to investigate the transaction that happen recently on XX/XX/XXXXto XX/XX/XXXX
In XXXX of XXXX, I took out a 12 month interest free loan from Wells Fargo to purchase furniture. I immediately set up automatic payments to pay about {$500.00} per month on the loan. Then in early XXXX, XXXX I called Wells Fargo to get an accurate pay-off amount to avoid over or under paying the loan. The representative told me the interest free period ends in XXXX and to contact Wells Fargo at that time to pay off the loan. I contacted Wells Fargo on XXXX XXXX to get the pay off balance. They told me the interest free period expired on XXXX XXXX and that I owed the full {$4000.00} in interest accrued for the entire year ( 27.99 % interest rate!! ). I explained that I called in XXXX and wanted to pay it off then and was told to wait. I told them to listen to the recorded phone call. They ignored me and then offered to take off {$2000.00} of interest only if I paid immediately. I declined and the representative said it would go into dispute and threatened that interest would still be charged up to 60 days more. Based on my phone records, it is obvious my intent was to pay off the loan to avoid interest charges. I have a high credit score and have no problems paying off the loan. What are my options?
I received an alert on XXXX XXXX, 2017 from Equifax and XXXX ( I have multiple monitoring services because my identity has already been stolen ) that an inquiry was made for my credit through a company called XXXX XXXX. I called XXXX XXXX who told me I had to go through Equifax to get the name of the company who actually requested the data since they are a service provider for home and apartment rentals and do not make requests directly. I called Equifax who told me I had to go to XXXX XXXX to get the information. When I told them that I was directed to Equifax by XXXX XXXX I was basically told tough luck. 

As background I have a credit freeze on with Equifax. I do not understand how they can continue to operate with the issues they have created. Plesee help me get the information so I can insure that my credit is nt being damaged further. 

Thank you.
I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, XXXX  and Experian Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am XXXX and was discriminated against by USAA because of my race/class. On XXXX/XXXX/16 I deposited a money order in my account for {$500.00}. The money order was placed on hold until XXXX/XXXX/16. I called to speak with an agent on XXXX/XXXX/16 to see why the hold had been placed on money order ( same as cash ) that I 'd purchased with cash. The first agent I spoke with ( XXXX ) asked me where did I get the money from to by the money order. Which is discrimination and was not the cause of my money being held. I asked her what did she mean and she said how did you make that money. I told her I was offened by that question. She never apologized. I explained to her that I had checks coming out of the account ( rent, etc. ) that the money would need to cover and if not available my account would be overdrawn. I also explained to her the hardship it would cause my family and the only reason I deposited the money orders is because I thought it was the same as cash. There is no USAA bank in my state so other than direct deposit and depositing money orders through my mibile account I have no way of depositing funds. I asked if the call could be escalated to another department which it was. The second representative I assumed would better trained in costumer service but not so. She too belittled me asking " I do n't understand way you would deposit the money orders with the possibility of them being held. '' This was after I 'd explained to her that I thought the money order was same as cash. She was very rude and told me " I 'm not reversing the hold now what else do you want to talk about. '' As of now {$560.00} ( money orders which I purchased ) is on hold and will not be released until XXXX/XXXX/2016. Please advise me what to do at this point.
Kohl 's corporate office has called repeatedly ( up to 5 times a day, daily ), and as late as XXXX after I have asked them not to call after XXXX due to the fact that I have XXXX young children, at least XXXX is XXXX XXXX.