WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, Below is a timeline of the problems I've been having with Capital One.

Brief description ~ Credit card was charged off in XX/XX/2015, which is reflected correctly on my credit report. I started and agreed to a repayment plan ( of which I've never been late on ), in XX/XX/2016, however they are still reporting me late to all three credit bureaus on the account that was charged off ... .and of which I am making a timely repayment plan on. From what I have heard, once the account is charged off they can not continue to report you late ... .especially given the fact that I haven't been late on ANY repayment plan with them.

I am currently in the process of obtaining a mortgage, and am going to lose a substantial amount of earnest money due to their lack of taking this seriously and correcting the erroneous lates being reported to the bureaus. Please help.

-XX/XX/2015 charge off -XX/XX/2016 started agreed repayment plan -XX/XX/2018 sent reporting dispute to capital one by Sobak financial -XX/XX/XXXX , letter from capital one stating there was no fraudulent reporting on account XX/XX/XXXX, contacted XXXX ( XXXX ) he understood there was incorrect report by capital one to credit agency will have letter faxed over within 24- 48 hrs stating so and send the info to credit bureau resolutions department to correct with credit bureau XX/XX/XXXX, no fax , called spoke with agent, got supervisor on phone, XXXX   direct line XXXX ext XXXX. She agreed was being reported incorrectly and would have letter faxed with correct information within 24 hrs XX/XX/XXXX called XXXX got vim left message no return call XX/XX/XXXX called XXXX got VMware left message no return call XX/XX/XXXX called spoke with supervisor XXXX ( XXXX ) ext XXXX she had letter and would fax it personally XX/XX/XXXX letter was faxed but only concerning XX/XX/2015 - XX/XX/2015, didnt address any lates being incorrectly reported every month since it was charged off in XX/XX/2015.

XX/XX/XXXX spoke with XXXX ( XXXX ) said she understood situation after I described what was being reported but she could only send it to the capital one credit bureau resolutions department, I could not talk with them or anyone higher than her and it would take 7-12 business days to be determined if they would change anything
XXXX issued a {$50.00} " rebate card '' that showed an expiration date but did not state anywhere on the card that the balance was forfeited at that time. The call center manager XXXX agreed that this was deceptive and had me contact his supervisor, XXXX Agent ID XXXX, a member of corporate support team CITI prepaid. Their phone number is XXXX. The card number is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This is a horrible practice and should have the same 5 yr ( at a minimum ) time limit that gift cards have as well.
I signed on for a private student loan with Citi Bank with my parent as a cosigner. My parents declared bankruptcy but did not include the loan in the bankruptcy as part of what would be paid. I am now unable to make payments on the loan or even receive any other information on the loan aside from the balance and from my understanding it will go into default after the bankruptcy ends. 

The only information I 've been able to gather from the loan is the balance, that it exists and that it is in " bankruptcy deferred default ''. The interest rate ( or historic interest rate ), or any other information other than the balance has been refused upon calling customer service. I was told I could make payments on the loan, but no proof of payment would be provided. 

I would like to find a way to avoid this default, as I have no history of missing payments on any loans and I have every intention of paying the loan back. Either to start paying immediately to keep the loan out of default, for my cosigner to be removed from the loan, or the loan to be put in a status where I can get a consolidation loan from another lender. 

I realize that bankruptcy laws prevent most of this information from being disclosed, but I would like to get this loan into good standing and continue paying.
The complaint is about how DITECH Mortgage Servicing has mishandled the Homeowner 's Escrow account with regard to Homeowner 's Insurance. 
The homeowner 's insurance provider XXXX XXXX informed homeowners that they were exiting all personal coverage lines ( homeowners, auto, life, etc. ). The homeowners CANCELLED coverage with XXXX XXXX and ESTABLISHED coverage with XXXX XXXX. DITECH continued to pay premiums from escrow to XXXX XXXX. DITECH also began paying premiums from escrow to XXXX XXXX. Homeowners were UNAWARE that XXXX XXXX had failed to actually CANCEL the coverage as requested by Homeowners. Homeowners were furthermore UNAWARE that DITECH was DOUBLE-PAYING. Why would they be aware? DITECH is entrusted with escrow so as to service and monitor such things. If Homeowners had been handling their own premium payment this mistake would not have happened. DITECH made the mistake, not the Homeowner. 
NOW that the Homeowners have been made aware of the situation by DITECH, the Homeowners have rectified it in a timely and efficient manner. HOWEVER, DITECH is going to assess the Homeowner a LATE FEE?? AND it will reflected on the HOMEOWNERS ' CREDIT REPORT?? This is patently unfair and is just the kind of activity the CFPC, FTC, and the GA XXXX will want to hear about. It is in the same league as the recent XXXX XXXX case that is in the news this week. If DITECH is this careless with this Homeowner 's account, it probably is with others. DITECH, not the XXXX, made the escrow mistake. DITECH has been asked to CANCEL and REVOKE any and all late fees associated with DITECH 'S mistake - but they refuse. 
All the Homeowners want is for none of this to appear as a negative ding on any credit report and for the late fees to be revoked.
Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report. My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.
I received a letter on XX/XX/XXXX from Meridian Financial Services, a collection agency demanding a debt to be paid in a total of {$16000.00}, which was owed in XXXX from the original company XXXX XXXX XXXX XXXX XXXX XXXX in Florida, which I don't remember that I ever purchased the time share membership. Meridian Financial Services has filed a lien with my credit bureau for such amount. 

I has filed the dispute with Meridian Financial Services that I do not owed this money and asked the company to remove the lien from my credit but they refused.

I am also curious if the debt owed in XXXX that has reached the Statue of Limitation law ( assuming if this debt does belong to me ), does the collection agency violated the FDCPA and Statue of Limitations laws?

At this point, I'm contacting a local attorney who is specializing in FDCPA law to take care of this, but I don't really like that I have to pay for the attorney fee for debt that I do not owed. Any comments or suggestions are greatly appreciated.
I do not have overdraft protection selected on my SunTrust personal checking account. I do not want my bank to honor charges that would put me in a negative positive, therefore, I did not select this coverage on my account. I have not been using the account as of late and there had been low/no activity on it and I have not been putting money in. My XXXX account is billed to this personal checking account through this debit card. On XX/XX/2018 there was a balance in the account of XXXX and on XX/XX/2018 XXXX successfully billed my debit card for XXXX causing the account to overdraft and incur a XXXX fee. As stated prior, this account has been dormant and I haven't checked it frequently. On XX/XX/2018 the account incurred a XXXX maintenance fee and then on XX/XX/2018 incurred another extended overdraft fee of XXXX. I was not made aware of this until I received a letter on XX/XX/2018 from Suntrust stating that my account was overdrawn XXXX. I called the company and asked them to please explain to me how a charge could go through if I do not have overdraft protection selected on my account and the representative stated that " recurring charges '' where an individual has given someone their card number does not constitute this rule. Personally, the overdraft fees charged are exorbitant which I try to avoid at any cost, and I think that it is deceptive that if I have elected that a bank to not permit a charge to go through that they should honor that request. I don't care that XXXX has my credit card information on file. I would rather them disrupt my service and flag me to fix billing on their end then have SunTrust disregard my request so they can collect their excessive fees.
I was called by Clear Credit Solutions, XXXX @ XXXX and told that I had committed check fraud, specifically Fraud with Malacious Intent, by not paying back a payday loan to XXXX XXXX XXXX. He furthered by stating if I did not pay the balance due by the XXXX of this month, charges would be filed against me. 
This person calls me XXXX to XXXX times a week as well a calls my daughter at work for me. 
I want his threats and scare tactics to stop! His actions are illegal. I 'm suffering XXXX unemployment! I have no money to give and am considering bankruptcy!
I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.
The debt is from XX/XX/XXXX-XX/XX/XXXX past statute and I had never received a bill until now. I owe XXXX which is current I agreed to send them XXXX a month to pay it then they sent me another bill for XXXX when I called the medical office they said they did n't know what it was for. then they found the record and said they charged it off original bill was XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX
I have no affiliation with the number that is being contacted and I want them to stop using this number.
I had a Chapter  XXXX  Bankruptcy that was Discharged on  XXXX   XXXX ,   XXXX  . Part of the BK was a mortgage loan with  XXXX   XXXX .   XXXX   has " miscoded '' the  XXXX  trade line to show as a "  XXXX  '' ... which means Foreclosure. I did NOT have a Foreclosure ... I in fact still live in the house. They have also put verbiage in the " remarks '' section of the report stating that I had a Foreclosure ... I did not. I need the  Code  "  XXXX  '' removed and the REMARKS removed ... please.   XXXX  Part of the letter from  XXXX  states " The credit bureaus have been updated to relect no reporting after this date. '' Again, nothing is supposed to be reported after  XXXX   XXXX ,   XXXX   ... Transunion has a " Reported Date '' of  XXXX  and a " Last Activity Date '' of  XXXX . I need those changed to  XXXX  as  XXXX  has stated in the letter.
My capital one venture cards states that I have XXXX miles available for rewards travel. When I went on line and called to try to redeem these 'miles ' for travel, I was informed that the 'miles ' advertised were not really 'miles ' and that XXXX miles could only be redeemed for {$250.00} in travel. I live in XXXX Alabama, {$250.00} in travel dollars is roughly 250 miles or round trip to XXXX. This is fraudulent at best. Thank you for your consideration of my complaint.
On XX/XX/2018, I used ATM machine at XXXX XXXX XXXX, my debit card is from XXXX, the ATM machine is from Fith Third Bank. 

When I withdraw cash, I was given the message that there would be charge for transaction fee, I accepted and continued the transaction of withdrawing. 

However I checked my bank of account next day, I found 4 unrecognized fees, it said " BAL INQ 1 TERMINAL DRIVE FEE ''. Every fee {$2.00}, totally {$10.00} Then I finally knew that I was charged four times just because I checked balance three times and one time failed to withdraw because of withdrawal limit. 

By the way, even on the receipts, there are no anywhere that mentioned there would be this charge for balance inquiry. 

I did not know there would be fees for balance inquiry and even failing to withdraw. This is absolutely misleading consumers and cheating consumers. 

I have the receipts in hand now if you need.
on XXXX 2015 I applied for mortgage refinance from Quicken loans. 
My understanding Quicken loans will inquire about my credit once, instead QL inquired 3 times in less than one month.
Pinnacle Credit Collection LLC for   XXXX   XXXX   very old collection I have asked many of times to verify the debt from   XXXX    and I get OK we will send you a bill of what you owe or what the charges are from and Never have I ever received a letter or bill. The amount is false in the first place I do not owe any bill from   XXXX   that is why I have asked for a break down for this debt. This company also are rude and told me so you are not going to pay your bills are you a broke junky. Also was told threatening if I did not pay I will be sued. That is when I wanted the debt to be verified.
This collection was on my credit report about a year ago or so I noticed that it had disappeared and then I noticed  XX/XX/XXXX  that it appeared back on my credit reports and made my score go down a lot. The amount that is showing up on my credit is for {$750.00} this account on my credit said it was opened  XX/XX/XXXX  and reported XX/XX/XXXX . Both dates are false. Because about a year ago when it was on my credit the Date Open and Reported were XX/XX/XXXX    XXXX   of  XXXX .
I am writing this letter to explain my unfortunate set of circumstances that have caused me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately I have fallen short and would like you to consider working with me to modify my loan. My number one goal is to keep my home and I would really appreciate the opportunity to do that. 

The main reason that has caused me to be late is nothing short of my own doing. I had entered into a bankruptcy case last year, due to my divorce and the amount of debt that I was left with but that case was dismissed on XX/XX/2016. The dismissal was on the declaration of the Trustee for failure to make all payments under the plan which I felt was more payment then I could afford. I was also offered a modification trial period with my home mortgage company. I began the trial XX/XX/XXXX and I made my first two trial payments but missed the third payment, which I did not realize ( XX/XX/2016 ). I continued sending payments XX/XX/XXXX and XX/XX/2016. Without me realizing it my car payments on the mustang had not been paid thru the trustee only the house and when the bankruptcy was dismissed they repossed my car, I had to get another car to be able to go to work, taking my income tax and another {$1000.00}, I purchased a used car, which at the time I did n't realize would affect my mortgage payment for XX/XX/2016 making it unable for me to make. I never received any word from my mortgage company that I had defaulted on the trial modification, until I had taped to my door a foreclosure sale set for XX/XX/2016. At that time my only option was to file bankruptcy again, this time my trustee payments are over {$2600.00}, I can not afford those types of payments. It is my full intention to pay what I owe, but at this time I have exhausted all of my resources so I am turning to you for help. 

My situation has gotten better because I can afford my car payment and mortgage payment with my income from my full time job and I feel that a loan modification would benefit us both. I would appreciate it you can work with me to lower my delinquent amount owed and or payment so I can keep my home and also afford to make amends with your firm.
I made a deposit ( XX/XX/2016 ) and receive no notice of delayed availability. The balance on my account after the deposit reflected {$73.00} and the item that came in was {$73.00}. I thought my deposited funds would be available to cover subsequent payments. The balance alert came through on my account as of XX/XX/2016 reflecting a balance of XXXX. Based on this information, i did n't know there would be a fee since i made the deposit the same day the item is showing on my activity. I am confused, as to how this is done. The payment came through on my account and item was paid and a fee was charged. Why was n't i notified at the time of deposit that something was pending on my account. Had i known by notice by the teller or notice on my receipt that my funds are not available i would have transferred money into my account to cover this item.
On the date of XX/XX/2017 I sent out a payment in the form of a money order in means to make payment to a past due car loan balance. Only to discover that my money order was disregarded they stated it did not have my account number on it so it was not able to be processed. USAA then proceed to repose my car, deny having received the money order in the first place this spat lasted all of four days from customer service all the way up to management in that department. They took my car XX/XX/2017 and then sent me my money order back that following Monday XX/XX/2017 along with a letter dated XX/XX/2017 which stated the reason it could not be processed ( money order ) but when I looked at the money order I notice that someone from the bank forged my account number onto the money order. If they can write the account number on the money order then they can also process it into my account as it was intended to do in the first place right? I smell a rat!!! this feels personal not business. So now I can not enroll in school and my transportation is limited due to some ones personal attack on my life at USAA. I file this complaint to find out what legal actions can be pursued I do not believe it is legal to forge my information on to a money order that you did n't process because the lack of having that information on it.
I certified mailed a dispute to EXPERIAN as well as uploaded dispute along with supporting documents EXPERIAN is stating that they did not receive my certified mail which was mailed on X/XX/2018 They are stating per the uploaded public record information was verified which is not true I have since forwarded supporting documentation that information was not verified through the court and would like public record reflecting Bankruptcies deleted from my profile.
Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. 
This was scheduled to be on record until XX/XX/2017.
I am being charge from XXXX for an amount of {$200.00} and a few cents on my credit card statement when I had started to dispute on this there were several things going on with my account pertaining to unknown charges on my account was restricted until they fixed all of my accounts. I just received a charge back about a month back when I didnt even receive anything from my credit card company which is capital One financial services for my MasterCard stating that they needed additional information from me and when I did provide it they said that it was already too late that its past the guidelines of massive car to continue the dispute process and Im being held liable for a charge that I never got any goods from I just received a charge back about a month back when I didnt even receive anything from my credit card company which is capital One financial services for my MasterCard stating that they needed additional information from me and when I did provide it they said that it was already too late that its past the guidelines of massive car to continue the dispute process and Im being held liable for a charge that I never got any goods from.
RASH CURTIS & ASSOCIATES is reporting a ridiculous amount of 11 collections on my credit report that do NOT belong to me in first place. I was never a patient of Original creditor XXXX XXXX XXXX XXXX- whom I contacted and they had nothing available to provide me to prove the ownership or to validate this account. I attempted numverous times to speak to someone in person at Rush and Curtis only to be told that I need to write them a letter. Today after a total of 5 letters 3 months in I have NOT heard anything back from them. I disputed these 11 collections with credit bureaus but they sent me letters stating that rash and Curtis has validated these accounts ... how ... when I was never a patient at verity medical foundation how are they validating .THIS IS FRAUD .... today I was given a message from my receptionist that rash and Curtis called asking for a payment they pretended that I advised them to call my work and have my accountant to pay these over the phone. THIS IS FRAUD ON A TOTALLY DIFFERENT LEVEL WHY WHY ARE THEY GETTING AWAY WITH THIS. I RECORDED A CALL AND WILL BE SENDING THIS TO FTC AND OTHER OTHORITIES IF THESE ERRONEOUS COLLECTIONS ARE NOT REMOVED FROM MY CREDIT REPORT IMMEDIATELY ...
XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$300000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX {$6000.00} {$81.00} {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX {$60000.00} XXXX {$130.00} XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$300000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE DATES : LAST LATE DATE XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX