WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. Capital one is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.
XX/XX/XXXX, I submitted a complaint to CFPB about the overdraft fees that had been applied to my account. The fees were excessive and I was very dissatisfied with the fact that I was often getting charged {$35.00} for payment of small items or where the overdraft was less than {$35.00}. I am again recording a complaint about the practice for XX/XX/XXXX. During the year, I was charged overdrafts for either ( i ) processing items that were in an amount far less than {$35.00}, ( ii ) where the associated overdraft was less than {$35.00}. In there was one instance where I was charged for an overdraft of {$17.00} or ( iii ) charged multiple times where the processing sequence of items was completed such that the largest item was processed first and then each smaller item would generate a fee. I would like to get Bank of America to improve its policies to help more and so I am requesting that my account be reviewed.
I am writing about an entry listed on my credit report which I have tried numerous times to have removed. Apparently someone with a similar name to mine filed a bankruptcy in XXXX, KS and it appeared on my credit report. I filed several disputes with Transunion. Unfortunately it came back verified and is still listed on my credit report. Frustrated I contacted the Bankruptcy court and they informed me that they do not provide credit bureaus or 3rd parties with any Bankruptcy information. As you well know it is a violation of the Fair Credit Reporting act to report erroneous information on a credit report. I ask that it is removed immediately.
On  XXXX   XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with Transunion, and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCR A.  XXXX  and  XXXX  allow for the dispute of inquiries, but ne  ither do a reasonable     and adequate investigation, both completing their " investigations '' in less than 24 hours.
I received a letter from a debt collector for a Cabelas Visa card. I also had a 30-59 day report on my credit bureau report. I have NEVER made a payment on this card past 30 days. I will admit, it has been up to 15 days past due one time, but NEVER 30 days. They told me that since I did n't make my minimum payment when the statement was cut, that was why it was reported on my credit bureau. This is deceptive and unfair and UNTRUE practices. I have NEVER made a payment 30 days late. This is ridiculous.
I opened a dispute with Experian 3 different times, the most recent being on XX/XX/XXXX. I specifically told them I had documentation showing that I should have never been reported to XXXX XXXX XXXX XXXX. However, even before Experian or the collection agency had a chance to look at it, Experian would close the dispute stating that nothing had changed. 

The written agreement ( which I will attach ) between myself and XXXX XXXX XXXX stated that I could break my lease on XX/XX/XXXX as long as I was out by the XXXX and I was not getting my security deposit back. 

I was not getting evicted and I was not supposed to get charged any other expenses. 

This needs to get resolved as it is affecting everything in my life.
XX/XX/XXXX, I contacted XXXX XXXX XXXX initially to discuss the amount owed and payment options and they advised they couldn't assist me because it had been turned over to collections. On today, XX/XX/XXXX, my husband received a phone call from Zenith Financial Network. He was not listed on my loan application nor was he authorized to speak on my behalf. They notified him that I owe on a payday loan, they gave the exact date from XX/XX/XXXX, how delinquent it is and the amount owed of {$1600.00}. They also tried to obtain payment from my husband during their call and attempted to initiate a settlement with him. The name of the collections company is Zenith Financial Network and their contact number is XXXX. It is my understanding that this is in violated of section 804 of the Fair Debt Collections Practice Act. It is my understanding that they are allowed to call and provide a 3rd party with their contact number or ask  how to reach me, but not to provide personal information in regards to my collections account. 

I also called Zenith Financial Network and advised my husband should have never been contacted. They replied, 'When he answered, he was able to identify your identity '. This is unacceptable practices, no one is authorized to speak on my behalf or to discuss the details of my account other than myself. 

The account is for myself, XXXX XXXX, but my husband XXXX XXXX was contacted and should NOT have been.
PNC bank loan {$290.00} per month. On Friday XX/XX/2018 I spoke with rep from PNC collection dept.XXXX and made a payment of {$500.00} this left {$270.00} owed for XX/XX/XXXX. I explained to the rep I would try to come up with the money over the weekend but new I would pay that amount on Friday ( meaning XX/XX/2018 ) As I left for work on Thursday XX/XX/XXXX, XXXX pm I was met in my driveway by repo truck and my car was towed away.The earliest I could speak with a PNC rep was XXXX XXXX  Friday XXXX. XXXX at PNC received my call and explained I would have to go to local branch and pay cash {$270.00} del. amount owed and a Repo fee of {$400.00}. XXXX was unable to explain the reason the car was repo when 1 month behind so he forwarded my call to a call review line XXXX for XXXX to pull a recording of my conversation with the PNC rep on XX/XX/XXXX. A message was left and I was told I could check back within the hour to see if he had reviewed recording. If arrangements were made my car would be returned to me and fees reimbursed. I called several times thru out day with no answers and no call back from XXXX. After getting a ride to nearest PNC branch 45 min away I pay the {$270.00} + {$400.00} cash to PNC XXXX XXXX XXXX NC and wait for a XXXX XXXX to call PNC Collection # to confirm payment and fax copy of rec.to XXXX. Rec sent XXXX explained 30 min. wait and I could call XXXX XXXX to get car released for pick up at repo lot. I wait then call to have a rude lady state I would now have to pay the current bill {$290.00} due XX/XX/XXXX late after XX/XX/XXXX. I go back to PNC Bank explain to XXXX XXXX what has taken place and now the system is down so he and I both wait to get thru 45 min. later I am told once again I can wait 1 hour to call XXXX to have car released. It is now XXXX Friday XX/XX/XXXX. and I am given Vin # and contact information of where the vehicle is. The storage charge is {$450.00} due at appointment earliest available Monday XX/XX/XXXX at XXXX 2 hours away. No one at PNC can explain why my vehicle was reposed less than a month late and no one has returned my call about reviewing my call on XX/XX/XXXX. Still no car.
I never attended college in XX/XX/XXXX so I do not understand these late payments. I never received any bills or statements.
On Thur XX/XX/XXXX I received a call/voice mail from XXXX XXXX XXXX XXXX. I returned the call Thur XX/XX/XXXX to learn there is a student loan that is past due in my name. 

The Navient rep attempted to collect on the debt and confirm my address as being in Texas, which is not correct. 

Upon stating and restating have never lived in Texas I was provided the toll free number to call the Fraud Department and the call was terminated.
I have had access to CoinBase without any issues for about two months now. I have accessed my account through two devices and after updating my password and attempting to log in on a different device, I was unable to access the account. The suggested solution was to contact customer service to send them my picture ID and proof that I live at the address on file, all of which I can do but I have not had a response from them in a week and I do need access to my account. Thank you.
This collection appeared on my credit report. I never received a collection letter and they have failed to respond to my requests for Validation of this account since XXXX of 2015.
I 'm one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. I want to hold them accountable for negligence.
I have XXXX debts on my credit report from Midland collection agency. They are reporting that I defaulted on these accounts in XXXX when I had n't had the XXXX accounts since XXXX at the latest. Coincidentally these items did n't appear on my credit report until late XXXX. I had better credit last year despite that I have only continued to pay my bills on time. A dispute with the credit bureau only said debt reported in accordance with fcra which I know to be false. How can I resolve this?
This is the 6th attempt to contact XXXX, and my 3rd complaint with the CFPB regarding misleading, incorrect information on my credit report and I have become emotionally stressed by the fact that XXXX isnt reasonably investigating and fixing this matter. This process has caused me time, stress and opportunities. 

According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX/XXXX ( Account : XXXX ) be reinvestigated and deleted from my credit report. On XX/XX/XXXX, you stated that you can not delete the information, and that the item had been sent for review on XX/XX/XXXX, and on XX/XX/XXXX it had come back as verified. How? I did not receive a contract with my original signature on it, or any binding agreement that would authorize XXXX/XXXX to report information under my name and social security number. 

Let me be clear. I am requesting that a contract or written agreement with my signature on it be furnished by XXXX/XXXX within 15 days. If a written contract with my signature on it is not furnished within 15 days then I demand that this account be deleted from my credit report. By not providing me with a signed written contract, you and XXXX/XXXX are in direct violation of the FCRA. I have been carefully documenting your willingly noncompliance and have filed a complaint with the FTC. If you fail to conduct a reasonable investigation then I will be forced to file a complaint with the Attorney General in both my state and yours. Please delete this misleading information and supply me with a corrected credit report within 30 days.Thank you.
I 've been trying to receive my report from Equifax for 4 years! They give FALSE questions online to deny access! ( People assume ID Fraud based of this Equifax scam ) Equifax does not sent the report after sending them copies of license, Bills, SSN, Tax info ect. This company does this so they can charge you! They are breaking the federal law stating all consumers can receive one free report a year! I want my report that EQUIFAX owes me! The fake questions need to end and this company needs to comply with the law or be fined! Many online complaints state they do this to a lot of people! Enough is enough!
I wrote a check for {$700.00} for rent to my landlord ( XXXX XXXX ) at the beginning of XXXX. After my landlord mobile deposited the check, it came into his account as per usual. However, a few days later, someone stole the check, cashed it, and the money was deducted back out of my landlord 's account. So, my check was stolen and my money was stolen. I reported the claim immediately after we found out to my bank ( Wells Fargo ) and he reported it to his bank ( XXXX XXXX XXXX ). However, both banks REFUSE to reimburse me the {$700.00} that was stolen from me. When asked why the banks wo n't refund us, they both refer us to the other bank, therefore the issue is just being passed back and forth between the banks and again, I AM NOT BEING REFUNDED for money that was stolen from me. Because of their refusal, I am out {$700.00} and this is unacceptable.
Back in XX/XX/XXXX, my wife and I were struggling to pay our two student loans and I contacted AES to find out what can be done. I was contacted by an agent that told me our best bet was to consolidate our loans. Based on his advice, we did, only to find out that it effectively made our situation much worse. XXXX is the servicer of our consolidation loan, which currently sits at 7 % and despite several attempts to reduce this percentage, we were told we were given one chance but a late payment took that opportunity away. Additionally, by consolidating, I took away my qualification for Public Service Loan forgiveness program ( I have worked in XXXX XXXX in XXXX since XX/XX/XXXX ). This was NEVER disclosed to me during the sales pitch to consolidate our loans. It has now been over TWENTY FIVE YEARS since I first started paying on my student loans and over 12 since we were talked into consolidating - and our principal has actually gone UP significantly since the consolidation. I want answers and I want retribution for all the money we have paid into our loans without seeing any reduction of our principal balance. 
XXXX and its representatives ( and I blame AES services too ) misled us and we have been paying for it - literally - ever since.
We became delinquent on our account about the time XXXX XXXX hit Florida, where we live. We attempted to find out the specifics of our account balance such as how much of the total balance consisted of late fees, finance charges, penalties, interest, etc. The creditor would not tell us the breakdown of the amount due and said they could not access that info. I found that hard to believe since they are in the business of extending credit to consumers.
I received an email stating that my Best Buy credit card through Citibank would be closed due to inactivity. To keep the account open, I went online and pre-ordered a dvd for around {$30.00}. I received the dvd at my current mailing address but never received a billing statement. Approximately 5 months later I receive an email from XXXX XXXX stating that I have a past due balance on one of my accounts. I immediately start to investigate and see that it is now a {$180.00} bill on my {$30.00} purchase from Best Buy. I call to try to make a payment and reduce the late fees seeing as how I never received a billing statement, email or voicemail even though they were able to contact me to let me know that my account would be closed for inactivity a few months before. After numerous calls and attempts to rectify the situation I am repeatedly told that they can only wave XXXX late fee, if I bring my account to current. After continually asking for someone who can make a pay off decision, hear my complaint and deal with the situation, I am transferred and redirected numerous times. No manager can take my call and no employee can deviate from the XXXX late fee removal policy. Nor can they say anything that actually deals with the situation besides repeating themselves over and over again. I have made many large purchases with my Best Buy card in the past and never had a late fee. I have a Sears credit card through Citibank and have no issues there either. In an effort to not continue late fees on a {$30.00} movie purchase I take the XXXX late fee removal and pay off the account at {$140.00}. I am waiting to hear back from a manager to see if they can resolve this issue in any way.
A couple years ago I was loosing my house I had a first and a second. I did a modification with a young man i cant remember his name. I was verbally told that the first would be modified and that the bank erased my second. I have not paid on the second for years, I 100 % thought that the second was erased because I have not received ANY paper or call or anything about that second ever since the modification. Well recently i got my self in trouble again and I was working with a Real estate agent, he told me we needed to do shortsale so I submitted my paperwork. After a few months XXXX came back and responded that they denied the shortsale because the property had equity and that the balance was XXXX Just like the modification had mentioned. So I decided to sell the house like a normal person would. Well when escrow was looking into the file they asked XXXX regarding the XXXX. XXXX took days and even couldnt find the loan. Finally they gave me payoff for the first and then gave me a payoff for the second. I could n't believe it, I have not heard a peep about the second at all and now XXXX comes out stating that they found the XXXX. I think its odd since the attached modification paperwork states my new loan balance and I was told by the lender that my second was wiped out. Evidence that they have not made contact in years regarding the second and it doesnt even show up in my credit report! Well I didnt know who to contact since XXXX sounds lost when i call them they couldnt even find the second on their system until days later or weeks in the case of the short sale.
Our vehicle was a total loss in an accident. This happened during a Chapter XXXX Bankruptcy in through which the loan was paid off 100 % to Bank Of America per their claim in the bankruptcy court. However, B of A will not release the title to XXXX XXXX because they are saying there 's still {$320.00} owed for something. They do n't know for sure if it 's even owed and ca n't tell me what it 's for. But they are holding us up from replacing our totaled vehicle even though there is a Court Order from the Federal Bankruptcy court ordering XXXX XXXX to give us the proceeds from the settlement so we can replace the car.
I am trying to get a succession completed. They keep asking for the same info again. First this is not signed .now this info is out of date, because the first info they ask is out of date now they want more info with the same previous info again. I have been fighting with Midland mortgage for three years now. I want them shut down today for incompetent actions.
- Initiated a withdraw ( via bank wire ) of {$10000.00} USD on XX/XX/XXXX at XXXX. 
- A {$25.00} was wire transfer fee was deducted from the the total. 
- Wire is shown to have been completed, however, as of this writing ( XX/XX/XXXX ), the balance has not been received. 
- Created a support ticket alerting the Coinbase of the issue on XX/XX/XXXX at XXXX PST. 
- Received automated response on XX/XX/XXXX. 
- Follow-up email sent on XX/XX/XXXX.

- Received reply XX/XX/XXXX, but issue not resolved. 
Case : # XXXX
I am willing to pay the XXXX dollars to erase the account of my credit but they must send a letter where they say they are going to erase the account as soon as they receive the payment.
I made a deposit to open an account on XX/XX/XXXX. The hold policy, per their receipt, said that {$4800.00} would be available on XX/XX/XXXX. As of XX/XX/XXXX, no funds have been released from hold. I did an online chat to ask why the hold was still there and was told that the whole amount would be held until XX/XX/XXXX. 

This seems a clear regulation CC violation.
I contacted Experian multiple times in regards to having these unauthorized inquiry delete it off my credit report. Having these inquires on my credit report has lower my score significantly. I also have n't been able to get a line of credit with any one because of the matter.
I do n't know where to start with OCWEN. The XXXX and the Attorney General 's Office tried to help me but apparently Ocwen stuck their nose up at them. The most recent problem is that I sent over {$7000.00} dollars in payments to them because Ocwen holds on to the payments then charge a late fee. They were n't cashing the checks so I did n't know if they were getting all of them. They got all of them, cashed them, and kept the money. They gave a justification for keeping my money and refuse to apply it towards the next few months. I do n't have any money left and I need that {$7000.00} back, or I will lose my house. I am in tears, desperate and do n't know where else to go.
tranunion is reporting this bankruptcy incorrectly and has not updated or removed this from my credit report. They have the wrong filing date as well as the court is not listed correctly. Furthermore, verification of accounts means that you have firsthand knowledge that these items belong to me and considering that they do NOT and never could, these need to be removed immediately. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for anyone to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. They do not have the authorization to report this bankruptcy which is also reporting inaccurately!
XXXX XXXX Experian shows my account negative on the report until 2022 and there has not been no late payment in 24 months. there should be no late negative for that long before the account goes positive considering its been paid on time for the past 24 months Will with the FTC on ongoing incorrect information and why its 4 years to go Positive
I am very upset. I have been charged overdraft charges everyday for 3 days as the overdraft charges are causing more overdraft charges. Yesterday they even reordered on check to get an extra overdraft charge. This is all because XXXX large check was deposited earlier than the person said he would deposit it. I talked to someone yesterday that said no supervisor was available to speak to and one would call back which has not happened. 
I tried to chat online and they did nothing. I spoke to a supervisor on chat who did nothing
Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with Experian by companies who are subscribers of which I only recognize XXXX of them and the third is unknown to me. There is some serious lack of transparency by Experian and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and Experian has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of these hard inquiries. I have been misled and tricked into hard credit inquiries and hold Experian responsible. The analysts at Experian should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, XXXX XXXX XXXX