WillisBack/dataset-financial-user-claim huggingface dataset:
When contacting Capital One about receiving a goodwill adjustment on an oversight by me as well a login error by them I was advised that my account did not qualify for a goodwill adjustment and that I could not be told how to quailfy for a goodwill adjustment. I have been a customer of Capital One for 7 years with 2 credit cards and have never made a late payment outside of one on either account. So when asked why I dont qualify or how can I improve on my account so I can qualify I was told that is proprietary information and I could not be informed of that information. Based on my relationship with Capital One I don't understand how I don't qualify and how they can have standards that is not shared with consumers. This allows for discrimination and unlawful practices.
MISCONDUCT IN MORTGAGE SERVICING. Recap of attached letter : On XXXX XXXX, XXXX -- less than ten days after receiving the XXXX payment on a current mortgage with no lates in over ten years -- Ocwen defaulted my mortgage ( loan balance of {$280000.00} / original loan {$480000.00} ) for " insufficient funds '' of {$10.00}. Ocwen sent back the valid un-canceled check dated XXXX XXXX, XXXX ( which it received XXXX XXXX, XXXX ) in the amount of {$2100.00} ( principal and interest of {$2000.00} + {$110.00} late fees ) by taping the check to a letter which falsely stated that a " Notice of Default '' was previously sent -- it was not. This letter crossed in the mail with borrower 's XXXX XXXX, XXXX payment of {$2000.00}, which Ocwen has not credited to the account. Presumably Ocwen will return this check which it received prioir to XXXX XXXX, XXXX as " insufficient funds '' by claiming additional unauthorized late fees and continue the default -- a moving target XXXX. Loan has never been delinquent since XXXX XXXX. Paid to date over {$260000.00} to date in principal and interest. Ocwen falsely represents that the XXXX payment was " denied by the financial instituion '' which is categorically a lie as it was never presented to the issuing bank. Ocwen now demands only certified payments and threatens foreclosure. Most likely will try to extort that I escrow my insurance ( also up to date and paid independently and property taxes also up to date never late in 23 years ). Also guessing that Ocwen falsely reported the default to the XXXX credit bureaus. SHUT THESE CROOKS DOWN.
Information from my original complaint dated XX/XX/XXXX : Around XX/XX/XXXX, I reopened my USAA checking and savings accounts. During this time, I was searching for a personal loan due to being in the final stages of building a home. By XX/XX/XXXX, I ended up applying to a lending company that asked a few questions I felt were about personal information, but I applied anyway and soon after that I started to notice suspicious activity occurring on my account and an unknown external account, which I never authorized to be attached to me account. I notified USAA as soon as I found out about this on several occasions and asked to have the account detached from my profile and the money returned to wherever it came from. I was told that the account belonged to XXXX XXXX when I spoke to one of the representatives and I explained to her that have never owned an account with XXXX XXXX. In XX/XX/XXXX, when deactivated the debit card attached to the account, I started receiving threating text messages and phone calls from someone regarding the money and this account. Immediately, I went and filed a police report at my local department. Shortly after, I received correspondence from USAA stating that they were no longer going to do business with me due to the suspicious activity on my account and although I made numerous calls before and after these letters, I had been given the run around and routed through several departments to be told that my calls were not recorded or there was nothing that could be done about the situation. In XX/XX/XXXX, I received two letters stating that USAA was able to garnish my Federal Income Taxes and my Military Pay. I dont know how this has been able to happen because I havent heard from this company since XXXX. I was a victim of fraud and I can not afford to have over {$6000.00} taken from me when I didnt paly any part in this situation and I notified this bank on numerous occasions to try to stop this from occurring. Can you please help me? 

Additional Information : USAA knowingly allowed fraudulent checks to be drafted on my checking account. When I spoke to a representative regarding the money that was taken from this account, it was acknowledged that USAA NEVER created checks for ANY of my accounts, the checks that were paid had my name misspelled and other errors on it, and my signature was clearly wrong. I also don't know how USAA was able to garnish my military benefits under the Servicemembers Civil Relief Act without my knowledge.
I have disputed the following tax liens with Experian multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can XXXX verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX XXXX : Tax Lien : XXXX Lien : XXXX Lien : XXXX
Auto-payment as agreed upon for {$350.00} a month for an extended period of time now, however they have continued to put information in on their site and credit report for {$640.00} a month. This was discovered when my credit was pulled for a home loan that I'm now likely to be denied as it lists a past due amount of {$7200.00} from doing this that continues to rise every month.
XXXX Is calling my principal and coworkers threatening to arrest me at my job. They have all my personal information and it 's scary they are harassing me giving my coworkers my social security number just discusting
Account was not verified or  Consent  was not givin prior to reporting under the FDCPA.
Santander Consumer Services  failed to post final payments made on my account accordingly. They have also failed to close the loan accordingly and remove fees that were charged for a reposession in error. It has been since  XXXX  . 2016, th at I have been dealing with Santander in reference to this issue. Santander claimed one of the payments were returned, however proof from my Bank shows that payment did clear the account. I have provided the Bank Statement several times, and they continue to ignore it. Santander claims that they need to see my : '' full bank balance in order to credit the account '' this should be illegal.
Not sure who this is but they keep sending a recorded message to my job asking for me and reveling personal information.
XXXX reports both my birthdate and SSN incorrectly after electronically submitting dispute and documents as proof. This account with XXXX was proven as inaccurate and falsely reported by the opposing CRA of XXXX and XXXX XXXX. 
XXXX briefly deleted the account but reposted the debt under another collection agency 's name. 
The account has been proven inaccurate with all three ( 3 ) CRA.  XXXX, like XXXX, disregards the inaccuracies. Both seem to disregard the law and consumer rights.
A representative from Navient offered affordable monthly payments, stating that I had to make sure to pay for 3 months, and then I would be entered into a reduced interest program. 
My husband and I agreed and began making monthly payments. At that time I also began looking into repayment options, such as grants, forgiveness, etc. I was approved for {$7800.00}. I called XXXX and to ask about directing the allocation of the additional funds to completely pay off XXXX of my smaller loans, leaving only XXXX larger loans. I was told that I could not do that until the funds were received. Once the funds were received I called back and was told that I could not decide how my funds were allocated, but was advised to email a supervisor and ask. I was also informed at this time ( 6 months of on-time payments later ) that I had not been put into the reduced interest program, due to missed payments. I was told that missed a payment the month that XXXX received {$7800.00} which was two months after I should have already been in the program. I then received XXXX letters in the mail thanking me for my partial payment?! I have only paid the full amount that was initially agreed on. I never received a reply from the person I emailed, but I did call back. After that next conversation my excess funds were reallocate to pay all but XXXX cents of XXXX of my loans, but left {$460.00} on the other XXXX that it was suppose to pay off completely. I continued to call in order to have it done correctly ; in fact, I call back about XXXX to two times a week now. I have spoken to over XXXX different people and have been told that what I am asking for is possible and legitimate ; however, I ca n't seem to find the XXXX person that handles this. I have been told by all representatives that they are working on it. Yet it has been 5 months since the excess funds were sent in, and 10 months of regular on time payments, I have still not been put in the reduced interest program ( despite being told several times that I am eligible and will be entered into it that day ), I still have not had my funds reallocated, and XXXX still reports to the credit bureaus that I am not paying, despite nearly a year of on time payments and {$7800.00} in excess funds.
In XX/XX/XXXX I contracted with XXXX XXXX XXXX to install solar panels on my home. They provided financing through XXXX XXXX. I ended up cancelling the contract and offered to pay any out of pocket costs incurred in the week from signing the contract to the date of cancellation. This merchant initially charged me {$6500.00} in expenses due ( see attached list ). These charges included two reports ( a set of permit drawings and an engineering report ), see attached. According to the list of costs, those two documents should have totaled {$800.00} ; however, I still have no proof these were actually paid for by the merchant. 

He later submitted to Greensky {$11000.00} in expenses. The merchant and Greensky failed to provide proof of these expenses when asked. I have spent over a year disputing these charges with XXXX XXXX. On XX/XX/XXXX they informed me via email they removed {$7900.00} which left a balance of {$3100.00}. They attached documents to this email I was unable to open. I emailed back stating the documents needed to be resent as I could not open them and never got a response even after multiple email requests. 

In XXXX, I received an invoice for the above charges and contacted them right away to sort things out. My first concern was that I never received the documentation supporting the charges and the second was the invoice showed late charges. 

Greensky has been extremely uncooperative. They have not provided any documentation to support the charges. The merchant is out of business and has also not provided me with proof of payment. When I asked Greensky to provide proof of the charges, they stated they don't require proof from the merchant. 

Having no other recourse, I've since filed law suits against both the merchant and Greensky for fraudulent and unsubstantiated charges. 

In XXXX, while refinancing my home I discovered that Greensky reported me late 30 days, 2 times for the two statements I never received. I contacted Greensky again and was told they mailed them to the same address as the one I received and therefore there was nothing they could do. 

Due to their reporting me late for invoices I never received and assumed I was still disputing, it has had a serious negative consequence on my credit score which ultimately may lead to losing my new loan on my home.
I sent a letter out XX/XX/2018 to verify this debt and I havent received any reply. I sent another letter out certified XX/XX/2018. 
It has been 30 days.
XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX XXXX XXXX XXXX XXXX responded by sending me a letter dated XX/XX/XXXX.

The question is WHY is XXXX XXXX XXXX XXXX  asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, XXXX, and Equifax accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX  has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my XXXX and XXXX credit reports. Equifax is not releasing my credit report just yet. But I was able to confirm the accounts are on Equifax just as well.
Enclosed are copies of XXXX ( XXXX ) separate reports from you showing that the information you are reporting is incorrect. Your report numbers are XXXX and XXXX. In these reports you are reporting a payment history from XXXX XXXX to XXXX XXXX and a close date of XXXX XXXX. This is totally incorrect! 

Also included in this communication is a copy of a letter from the creditor, ( XXXX ), dated XXXX XXXX, XXXX attesting to the fact that the information you are reporting is incorrect. 

Their document goes on to further state, " the account was closed on XXXX XXXX, XXXX ''. Not XXXX XXXX, as you are reporting. 

As the document from XXXX, Office of the President states, " The XXXX XXXX billing statement is also the last billing statement generated for the account since no additional transactions occurred after that timeframe ''. Also, " XXXX has requested date of last activity to be reflected as XX/XX/XXXX ''. 

You have and are reporting a payment history, where there has been none. You are also reporting this account closed XXXX XXXX, which is incorrect. XXXX has given proof with their document that you are reporting incorrectly. 

Therefore, you must make corrective measures, and so this account shows a removal date in XX/XX/XXXX, not, XX/XX/XXXX.
This is about a 2nd loan mortgage from Guaranteed rate, Inc. XXXX XXXX XXXX XXXX, Illinois XXXX. This loan was funded XXXX XXXX XXXX. The loan number is XXXX. The loan has a second home rider attached to it. the address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. On the second home rider item 6 Occupancy is in question. The home has been rented out for short term rental since XXXX  forward. The home has been permitted by XXXX XXXX Neveda and advertised in XXXX since XXXX. Item 8 Borrower 's Loan application is in question.
I was a victim of identity theft and noticed a collection from CREDIT BUREAU SERVICES ASSOCIATION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT BUREAU SERVICES ASSOCIATION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
I was reported for late payment on a credit card payment, but never received a bill. I was in the process of moving within the same community in which I now live at the timethe billing would have been sent. 
And while I did not answer bank initiated Robo Calls, I became aware of an outstanding issue with the bank and immediately paid the balance in full. The total was aboutXXXXXXXX after late fees and interest. 
Bank of America reported me for being late and refused to recall the report. 
It is incredible that they spend so much money on advertising then anger thetheir own customers who, in turn, tell everyone possible what a bad customer-service oriented bank it is.
Capital one closed my credit card account without any prior notice. All that I got was one email saying that your account is closed due to inactivity and I can not use it. I called the company and spent about 20 minutes on the phone and they could not find any prior communication but the customer service representative said they can not keep the account open. I could have done some transactions if I would have got any form of prior notice.
We were behind several months on our mortgage. While we were working on a repayment plan, another department had started the foreclosure process. In XXXX XXXX we completed a Default Resolution Option to bring our mortgage current. We worked with the bank for a month or so and signed papers by the end of XXXX. When I did not receive any kind of bill or anything, I sent in my first payment in XXXX of XXXX, which they accepted. Then another two months went by and we could not get an answer to why we were not receiving any kind of notification so I sent another check for the agreed upon amount. That was returned back to us. In XXXX we received foreclosure paperwork. We went to the court everytime there was a hearing and even filed against the bank after a year of court dates every 6-8 weeks which they would never show up to. Unfortunately my husband became ill and could not go to court and the case was closed (? ). At the end of XXXX, XXXX we received notice that we could qualify for a Loss Mitigation Foreclosure Alternative. I spoke to US Bank representatives several times to clarify that I was understanding what I would have to do to save my home. They told me there would be three or four months of a high payment of about {$1400.00}, to 'prove ' that I was serious about saving my home, then the mortgage 'should ' drop down to under {$1000.00} per month ( I heard the representative figuring things, looking at approximate interest rates and estimated that the payment would be about {$900.00} ). I made my XXXX payment XXXX XXXX and continued until XXXX. At that time I was set up with the 'regular ' payments which was only {$50.00} less than the initial phase payments. All of a sudden no one knew why I was told that the payment would go down. So my mortgage of {$150000.00} suddenly went to over {$200000.00} because they added fees and interest ( which I do n't believe I was told about at the beginning ). 
Now I have checked out refinancing or seeing if I am eligible for the Hope program but no XXXX will finance over {$150000.00}. My house is worth about {$110000.00}. Today I owe about {$190000.00}. I am now stuck in my home, I ca n't sell it or refinance it because of everything they added to the original loan. I feel they were very deceitful and did n't want my home so they made me belive my house would once again be affordable after the initial 3-4 months.
I have a Department Store Credit Card. 
The " due date '' on my card is the XXXX of the month. 
I missed my payment by 4 days and made an in-store payment ( more than the Minimum amount ) on XX/XX/XXXX, 4 days late. 
The statement closed on XX/XX/XXXX, 2 days later. 
On my statement, I was charge a {$25.00} late fee and a 0.12 " interest '' penalty on the late fee. 
I then proceeded to pay my Balance " in full '' and a portion of the Late Fee. 
But, I was still charged an interest on the Late Fee. 
I requested a courtesy Refund of the Late Fee plus interest. They agreed to it. 
However, why is there no regulation preventing a Bank from charging interest on a Fee " during '' the month that the Fee is incurred, before the consumer is even aware of it? When I asked the Credit Manager why do they do it? He just said, because there is no regulation that says they ca n't. That just does n't seem fair.
I have a bank account at Chase. It has maybe XXXX to XXXX transactions a year. 
XX/XX/2015, someone went into a Chase branch and obtained a ATM card to my account. This person withdrew all the funds from my account. I was notified when Chase Emailed me that the account was overdrawn. I filed a claim through the Chase system, and they denied my claim. Chase says they see no evidence of fraud. 
So Chase gives a crook an ATM card to my account, and Chase says to me too bad, your money is gone.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX and XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I paid off my vehicle loan ( refinanced ) end of XX/XX/2018 after I made the XXXX payment. When I logged into account to see if payment was received I noticed that the balanced between XX/XX/2018 and XX/XX/2018 had increased by {$86.00} instead of decreased after the monthly payment was made. When I contacted Citizen One Auto Finance they claimed that they never received the XXXX payment but my bank billpay gave me proof of payment which I told them I had. I also informed them that they gave me the wrong payoff amount to me and my bank and that the payoff was overpaid. That they owe me a refund for the overpayment of the payoff and the missing funds not credited for the movember payment. They claimed they would look into it. The following day I went on to look at my account from Citizen One Auto Finance online and I found my loan-account had been deleted within 24 hours of my call to them and they never responded to my emails on their secure email account when my account was active 24 hours prior. So in 24 hours of me notifying them that there is an accounting error and they owe me money for my overpayments, There is No trace of my account. Non- existed! I couldn't look at previous payments or balances ... Or even see my account number. When I spoke with customer service they confirmed this is their policy! Their policy is to delete all trace of history I have had with them. I informed them that i had copies of the statements and payments I made.
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from discover on the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Buyer Refund check was issued to me, when home was purchased, it was never cashed. Was stored in box with original paperwork and just recently located. Want check reissued. Money should still be owed to me. Thanks