WillisBack/dataset-financial-user-claim huggingface dataset:
I had submitted a complaint on  XXXX   XXXX   XXXX  CFPB  No.  :  XXXX  requesting assistance CapitalOne has not allowed me any options for assistance for hardship relief. I phon ed CapitalOne upo n learning my job was going awa ay ( company closed ).  I continued to make minimum payments. I am now at the point that I can not make the minimum payments and asking for a hardship agreement to lower my monthly payment while I make every a good faith effort to bring account current and begin to pay down on balance. I am only asking fo r a 6-12 month assist a nd to freeze curren t APR a s its spiraling out of control.     Mon  XXXX   XXXX   XXXX  -  Company Rep reached  out to me and left a voice messa ge ( prob ably grateful I did n't answer the phone ) and left a general message about being able to discuss options with me. I phoned her back directly - wit hin 15 minutes o f her call and left a voice message.     Tue  XXXX   XXXX   XXXX  - I left another voice message for this same  CapitalOne R epresentative asking that she phone me back. I have still received no response.   Wed  XXXX   XXXX   XXXX  - I went back online to view cpmplaint at CFPB website. The complaint was closed stating COmpany responded. I found a pdf letter which will probaby be received throu gh US  Mail as well denying any assistance at this time. Never once had I been given a chance to speak about my current situation in person.   Letter attached electronically within complaint : =====================  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX  : Account ending in  XXXX  Capital  One Ca se :  XXXX  CFPB  No. :   XXXX  Dear  XXXX   XXXX ,  Im rea ching out to you  about your submission to the Consumer Financial Protection Bureau ( C FPB  ), c oncerning a request to lower your Annual Percentage Rate ( APR ).   Based on the information we received from you on  XXXX   XXXX ,  XXXX , and  XXXX   XXXX ,  XXXX , we are unable to offer a lower APR at this time. We feel that our previous response fully addressed your concerns, and our decision has remained unchanged. If theres anything you havent shared with us about this, or if any information has changed, please send it to us and well be happy to take another look.   I have enclosed a copy of our previous response for your records.   If you have questions or concerns, please give me a call at  XXXX ,  Monday-Friday fr om   XXXX   XXXX   XXXX   PT  . When contacting me, please use  XXXX  as the   XXXX digit PI N when prompted. M y  XXXX -digit ex tension is  XXXX . Im glad to help any way I can.     Sincerely,  XXXX   XXXX , on behalf of Capital  One Enclosure cc : Consumer Financial Protection Bureau I have no othe r option but to seek Legal counsel for direction to take. As the saying goes - You ca n't draw blood from a turnip. And I only wanted to provide a reasonable resolve to the current and temporary situation I find my self in. I wo n't be unemployed for much longer as prospects are now flowing in positive direction.
Sirs ; On XX/XX/XXXX I attempted to write a ( good ) check at the local XXXX 's store to cover the cost of my purchase for {$2400.00}. My personal checking account had over {$15000.00} available. 

However, my check was denied by Certegy Check Services ( used by XXXX 's ), with no explanation given as to why. The employees at XXXX 's also had no information as to why I was denied. 

My wife then wrote a check ( {$2400.00} ) on her account which is in a different bank, in a different state, from mine. She had over {$40000.00} available in her account. Her good check was also denied by Certegy!  No explanation given for the denial. 

We then had to leave the store, go to my personal bank and have a cashier 's check drawn up to XXXX 's ( {$2400.00} ) to cover the purchase. 
I then returned to the XXXX 's store and completed my purchase. 

This incident has caused me and my wife personal humiliation and embarrassment in front of several other customers and XXXX personnel. Not to mention the adrenaline fueled 'anger ' I suffered through for hours because of Certegy 's inexplicable actions. 
Not a good thing for a XXXX year old man with XXXX XXXX! 

I came home after this incident and called Certegy attempting to get an explanation from them. However, all I was able to do was 'talk ' to their automated phone service. Where I got no answers what-so-ever ( apparently designed that way ). Less than useless! 

The next morning, after little sleep, I called the XXXX 's store and explained the situation to a manager there. She also could not give me any information as to why a person who has NEVER written a bad check in his life, with more than sufficient funds in his checking account, was denied. 

Same result for my wife who also has an excellent credit rating, no history of bad checks of any kind, ever, and had more than sufficient funds in her checking account to cover the check. 
Absolutely no explanation from the XXXX ' store manager as to why my wife 's good check would also have been denied. 

I see on-line that Certegy has hundreds of complaints against them for the very same reasons as mine.

I see that this has been going on for years and years.

I see that Certegy has been sued more than once for the same issues as mine, and forced to pay millions of dollars to the victims of their illegal abuses.

I see from the complaints, and from my personal treatment by Certegy, that they are STILL abusing innocent consumers who are simply trying to write a good check!!

I have also learned that these inept actions by Certegy may result to dings on my credit-rating and to that of my wife.

I write a GOOD check and because of Cetegy my credit-rating gets dinged? 

Certegy is used by many, many stores, not just XXXX. 
People are being hurt by their actions. 
Please deal with this humiliating, abusive company. 
Their ongoing abusive actions are illegal and are hurting good people! 

Thank you,
Received a message from the receptionist at my work from XXXX a XXXX XXXX, she left a message advising it was in regards to a legal matter and I needed to return her call. I did call and she said I will be sending a XXXX legal form to your place of employment. I advised her not to call my employer or send any communication, she then hung up on me. I called back and she said, well its going to employer today.
HAVE NO CLUE WHO THIS DEBT BELONGS TO AND I HAVE ATTACHED THE PROPER INFORMATION N REGARDS TO THIS ACCT. ALSO I HAVE SPOKEN TO ALL AGENCY TO MAKE THEM AWARE THIS LETTER.
This loan originated in 1987 and was originally with XXXX XXXX Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.
The XXXX County Domestic Relations Section in XXXX Pennsylvania has been reporting alimony pendente lite ( hereafter APL ) to all three credit reporting agencies as " Child Support '' and placed for collection and XXXX County Domestic Relations as a creditor. In the Experian and XXXX XXXX they have it listed as a " Individual Loan '' and still listed as a Child Support loan. Not only is this a violation of the FCRA for reporting it as Child Support When in fact i am not and have not been late on Child Support payments. In fact I am over paid and have a balance they state issues me a credit every month for over paying. The Domestic Relations Department stated to me in several emails and verbally on the phone that They know its being reported incorrectly but they have no other way of handling this and do it for thousands of others. Upon making many attempts to get it correctly through XXXX County in writing and directly through the Credit Reporting Agencies, I was always told it wont change. I filed a law suit after 9 months of failed attempts and losing several credit cards and a home loan due to the misrepresenting on my credit report. The same day as filing the law suit, XXXX County Sent an email accepting fault and said they will fix the credit report for me. They have fixed it, but not prior to causing me enormous financial harm and damage to my reputation with creditors and with those within our community and business relationships with my banks. I am still proceeding through the courts with this suit, but I am writing you as I am concerned that this is happening to many others with in our community and possibly state.
After receiving an enticing credit card offer of " {$150.00} cash back bonus after {$500.00} of purchases within 3 months of opening credit card '', I applied for the Chase Freedom Unlimited credit card in XX/XX/XXXX and became a credit card holder on XX/XX/XXXX. <P/>I only applied for the credit card in order to receive the {$150.00} cash back bonus that was advertised on the offer I received in the mail. I used the offer letter and reference number to apply online as the letter described to do. <P/>Once accepted, I received my card and made over {$500.00} in purchases within the first 3 months of becoming a cardholder. The offer stated that after making the {$500.00} in purchases within 3 months, that I could expect to receive my {$150.00} cash back bonus within 6-8 weeks, in the form of bonus points. <P/>I called today because I qualified for the {$150.00} offer on XX/XX/XXXX ( which is 90 days after becoming a cardholder ) and the letter states to expect the reward within 6-8 weeks of qualifying, which would have meant I should have received the bonus by XX/XX/XXXX, at the latest. <P/>When I called today, I spoke to someone and explained everything and then I was told that " they do not see a bonus offered to me '' anymore. I was furious and asked to speak to a manager. I was transferred to account supervisor, XXXX from XXXX XXXX, TX ( Reference : XX/XX/XXXX ). She was so unhelpful and not empathetic or understanding, at all. She had no intention to truly hear me out or make Chase 's  wrongdoings right. She just kept telling me the same thing ... that she " does n't see the offer anymore and that it has been 90 days so she ca n't help me at all and no one else can ''. <P/>I just felt so taken advantage of and scammed. I did everything by the book from the moment I received the letter in the mail. I went online and researched and saw the offer was true according to Chase website, so I applied using the offer letter sent to me. Then, I spent over {$500.00} within 3 months, and finally, I waited 6-8 weeks to receive my bonus. But, ultimately, I never was given what I rightfully earned and what was physically presented and offered to me. I even asked XXXX, " what could I have done differently to received what was offered to me ''. She did n't even have an answer because I followed all the fine print word for word. <P/>I am very upset and feel helpless. I was hoping that speaking to a Chase supervisor would help but it ended up being more disheartening to hear a supervisor tell me " there 's nothing I or anyone else can do '' to correct this. I wanted to cry, really ... <P/>Can you please help me? The supervisor even told me that they have records of the original offer letter sent to me. I just do n't understand how they can do this .... <P/>Thank you for reading and for any help with this situation.
Hi, in XX/XX/2017 I received a Quick Pay of {$400.00} by mistake on my Chase account. Days later Chase representatvies contact me to authorize the return of the funds to the original person.
After 5 minutes, i did authorize it however on XX/XX/2017 Chase withdraw twice the amount ( {$800.00} ) from my account. After I notice it I call them twice, after +1hr on each of these calls they have n't be able to return {$400.00} that were withdraw by mistake from my account.
I do n't know what 's going on, but I ca n't believe that it took me 5 minutes to authorize the return of the funds, and is been days trying to get the mistaken withdrawn funds to my account.
I do n't know what else to do, i open a customer service request, talk with different people and is been a waste of my time. The bank should be responsible and return the funds and then figure out where the money went. My name is XXXX XXXX thanks
Foreclosure sale date of XXXX IS OF THE ESSENCEMy financial situation has changed, as of XXXX, that I can afford my mortgage. 
Request for a modification package on XXXX has NOT been mailed, emailed, XXXX, nothing.
On XXXX Bank of America took {$100.00} from my credit line and put it on my debit card line. After this they charged me a {$12.00} overdraft fee. 

Considering I look at my bank account every hour, I knew that my account had not dropped in the negative on XXXX/XXXX/XXXX. If one were to look at the statement, they would see this ( attached ). 

In addition to this, I never received an overdraft notice. If one were to look at my inbox, snapshot, i was notified of my " overdraft '' on XXXX/XXXX/XXXX at XXXX. In addition to me never overdrafting, this is a deceptive practice as it 's not done in a timely manner.
Background : I had a joint XXXX bank account for years with my partner. We both put our paychecks in the bank and made payments on various bills, some of which were in his name and some of which were in my name. My partner and I split up in XXXX XXXX. I removed myself from our joint bank account on XXXX XXXX, XXXX but the account remained active under his name ( XXXX XXXX ). 

On XXXX/XXXX/XXXX I received a phone call from my car loan lender stating that I immediately owed them approximately XXXX months of payments or the lender would repossess my car within the week. The lender told me that XXXX XXXX XXXX had pulled back all of the payments I made in XX/XX/XXXX for the car. I subsequently found out that all payments from that joint XXXX XXXX XXXX account in XX/XX/XXXX to my credit card with XXXX XXXX was also reversed as well, so I now owe the credit card companies thousands of dollars. 

I have already contacted the consumer protection finance bureau regarding XXXX XXXX XXXX but I have to do it as well now with Santander Consumer USA. In order to get these transactions reversed XXXX XXXX XXXX says I need documentation stating why the transactions were reversed from Santander Consumer USA. I contacted them, but Santander Consumer USA is stating that its payments are done through a third party and they ca n't give me a reason for the reversed transactions. They ca n't provide me with the name of the third party either and are telling me to go back to XXXX XXXX XXXX for the information. 

However, now that I 'm no longer on the XXXX XXXX XXXX account, XXXX XXXX XXXX is refusing to provide that documentation as well. I need Santander Consumer USA to release this information or at least the name of the third party so that I can get written documentation as to why these payments were reversed.
Yes I am totally XXXX cant XXXX or XXXX XXXX XXXX of my right arm I am on a fixed income have too pay for medication food rent I have sent all my papers and they said they didnt receive it
I 'm in default on my mortgage since XXXX. XXXX commenced foreclosure action on behalf the Note/mortgage holder but did not produce the necessary documents to get final judgment to foreclose. Prior to foreclosure hearing in XXXX XXXX bank lawyers falsified mortgage assignment using former XXXX employees acting as XXXX vice presidents, filled another foreclosure complaint on my house under different Docket number ( dual foreclosure in another court, different town, different judge ) and had only copies of the Note and Mortgage. The servicer had no standing in court and had no authority to sue on behalf of the true owner of the mortgage documents. This fraud did n't work and judge ordered to bring all original documents the Promissory Note in particular in 7 days after the hearing or the case will be transferred to Foreclosure unit Supreme court in XXXX NJ where it was dismissed in XXXX for lack of prosecution. During this process I wanted to know who the owner of my loan is since the servicer did n't want to modify. The servicer, XXXX refused to identified to Note holder but few months later another law firm affiliated to XXXX told me its XXXX who has the loan. XXXX sold their servicing rights to Green Tree servicing LLC in XXXX XXXX and for unknown reason placed to payments to my mortgage in XXXX and XXXX XXXX which I discovered recently from my credit reporting agency. Green Tree merged with Ditech Financial. Another Foreclosure complaint was filled in XXXX XXXX and I filed motion to dismiss the case because the statue of limitation 6 years from the default and mortgage acceleration has passed at the time of complaint. The plaintiff and judge scheduled motion hearing and did n't invite me. I discover this misconduct and adjourned the secretly scheduled hearing to later date. I was called for another hearing less then 48 hours on my cell phone to come to the court and I was asked to call the plaintiffs attorney to show up as well. I refused and the court clerk call them! The judge denied my motion to dismiss the case stating there was no evidence of pre-foreclosure sale and no mortgage acceleration to make the previous foreclosure valid complaint. I have all evidence that the judge committed fraud upon the court and I need the CFPB to help me. Ditech states that they own the mortgage and the note but show no prove in court, therefore no standing in court. Ditech assured me that different rules applies to them to foreclosed.This is a great case of conspiracy, Robo-signing, Respa violation, several counts of fraud and due process violation. It 's complicated so please help! 
I have evidence for all accusation.
This agency contacted 3rd parties my brother in law father, who I have no relationship with or talk to at all, Not even sure how they got to him. I contacted the agency on X/XX/17 to advise not to contact anyone other than myself and asked that they remove from contacting anyone but me, they stated they did not have to do that. I advised they are required by law based on the Fair Debt Collection Practices law, which he said that piece of legislation does not apply to them. He ( XXXX ) became very rude and I told him that he needed to do what I asked. He just kept talking and I told him I would be filing a complaint as I had done research on the company and they had a reputation for illegal practices. He then hung up on me.
I am disputing the accuracy of the information Trident Asset Management LLC is reporting to my credit file with all of the three major credit bureaus ( XXXX, XXXX, XXXX ). Trident is reporting a collections account as " verified and accurate '', yet have FAILED to respond to my dispute letter, violating my consumer rights under FCRA. 

I mailed Trident Asset Management LLC a Certified Dispute Letter, # XXXX. However, the letter was returned to me as " Undeliverable '' ( copy of front and back side of the unopened, returned letter attached, as well as, an online notice from USPS indicating an attempt was made to deliver the Certified Letter on XX/XX/XXXX, but were unsuccessful ). Apparently, the contact information Trident Asset Management LLC provided on my XXXX  credit report is INACCURATE. Whether Trident provided inaccurate contact information deliberately ( there have been other consumer complaints regarding this already ), I can not ascertain, but what I do know is that Trident is suppose to provide correct and accurate contact information so that I may exercise my consumer rights to dispute any information they are reporting to my credit file with XXXX, XXXX and XXXX. They are now in violation of Section 609 of the FCRA and I am requesting they delete this collections account from my credit file with all three credit bureaus ( XXXX, XXXX and XXXX  ). 

Please also note that I NEVER received a 30 Day Notice to Dispute this Debt from Trident BEFORE they started reporting this collections account to my credit file with XXXX, XXXX and XXXX.
Purchased new XXXX with first payment of XXXX due on XXXX. On XXXX phoned in payment of XXXX with bank routing and checking account number. XXXX XXXX XXXX XXXX began calling on XXXX due to no payment and thru XXXX a total of XXXX times ( I was on vacation and working so was unaware of reason for call ). On XXXX received letter informing me of nonpayment. I called only to be told money had been received but had not been applied to my " monthly '' payment but principal only ( loan is 0 % ) so in my mind I am paying principal only and no interest is required. This was at approximately XXXX on XXXX. Customer rep said they would fix and we were square. At XXXX pm received harassing phone call wanting payment. I stated hope this call is recorded for if XXXX does not suspend calls I would seek legal counsel. Chases ' payment phone number is confusing and I was told I was to blame for hitting wrong button. My understanding is XXXX knew I had sent in XXXX to be applied to the loan account but would not apply it because I hit the wrong button. I have excellent credit ( over XXXX by most credit ratings ) and am trying to keep it as so, but I am anxious if I will succeed with Chases ' current administrative methods. This is an attempt to receive attention to their problem not mine, but if they continue to call, I will not hesitate to seek litigation. Thank you if you can resolve XXXX 's problem because I truly feel I have done nothing wrong and will continue to make my payments if allowed!
In the attachment, XXXX credit bureau has incorrect information. I have never had an account at XXXX. 

Why is this account ( for which I have never had ) appearing on my credit in XX/XX/XXXX, when the debt is zero and the original ( inaccurate ) report is listed as XX/XX/XXXX? Can you please work with Transunion to remove this from my credit? 
Thank you, XXXX XXXX
I took a loan with XXXX  and defaulted. XXXX XXXX XXXX XXXX XXXX XXXX  called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX their SISTER COMPANY, would also remove the marks. XXXX  did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes.

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX  sells much of their bad loans to XXXX XXXX XXXX so I am holding them responsible for the false promises made by XXXX

Thanks, XXXX
My loan was distributed from the XXXX to my university, Argosy University XXXX, and applied to my account on XXXX XXXX, 2016, which I have screen shots of on my computer to verify. However, Argosy University refused to release my funds to me, including an XXXX dollar XXXX loan to pay for my living expenses and a XXXX dollar scholarship. Argosy released my funds on XXXX XXXX, 2016, but not to me directly, and when I asked the financial aid advisor, XXXX XXXX, where my funds were, he informed me that he did not know, to which I have him on a voice recording saying such. When I asked XXXX if Argosy still had my funds, he said, " Yes, we still have them, they 're here, '' to which I also have him on record stating. I asked XXXX to release the funds and scholarship to me, to which he replied that Argosy could not do so, and that they had to be released through XXXX, and that I would have to contact them for setting up Direct Deposit and accessing my loans. When I asked XXXX for the contact information of XXXX, he gave me a false phone number that directed me to time share, vacation home, and credit card offers.