WillisBack/dataset-financial-user-claim huggingface dataset:
Capital one cancelled my credit card blaming me for not sending my payments on time.which is not true. I 've be sending more than the minimum on time. a few times I complained because they claimed that I did not send my payment when I did and they did n't properly credit my account which they admitted in XXXX 2015 and promptly fixed with an apology. 
On XXXX XXXX, 2015 the same problem developed again. I spoke to their customer service and Fraud specialist. 
This time they blamed me and my bank even though I sent my payments electronically with more than the minimum amount and on time XXXX. I believe it is nothing more than excuse for incompetence and discrimination on their part because I spoke up. This was after I applied for and received their XXXX card in the mail and tried to activate it on XXXX/XXXX/15.
RUSHCARD. Need I say more? XXXX XXXX is " working so diligently '' to " fix the problem. '' A problem he probably caused. What does he care - he 's LOADED??? He has no problem getting to his money and paying his bills. Our money - on the other hand - which is supposed to be on our RUSHCARD is not there. Where is it??? Why ca n't I pay my bills? Do you know how hard it is to buy gas and food with NO MONEY?!? 
RUSHCARD XXXX and I ca n't wait until the " straighten it all out '' so I can RUN FAST FROM RUSHCARD!!!
This is in connection with Case number : XXXX. I could not find any where to supplement my initial complaint. On XXXX/XXXX/XXXX I was contacted by B of A representative XXXX XXXX. I explained the deceptive nature of the Signature Card promotion. I asked XXXX XXXX why B of A did not disclose that by applying for the Signature Card, I was also applying for the junk Platinum card. She told me that I had not applied for the Platinum card, but that B of A had given it to me anyway, because it did not want to give me the Signature Card. This is even worse, because B of A admits that it sent me a credit card that I had not asked for, and it arrived with a {$50.00} charge already on the account before I even activated the card. Also, B of A reported this card on my credit report, despite the fact that I had never applied for, or activated the card. 

Since B of A now admits that I did not apply for this card, it violated 15 USC 1642 by sending me the card, for which it charged me {$50.00}.
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I reached a settlement agreement with the debt collector to make two monthly installments to pay the debt. It was agreed upon that I would call on or before the due date to make each payment. When I called to make the first payment, the representative would not take my payment, stating that the only way he could do so was if I set up the next payment to be automatically deducted from my bank account at the same time. This was not the agreement, nor was this included in the written settlement agreement sent to me. I filed a disput with the XXXX, the company responded by giving me the name and direct extension of an account manager to call. I have tried several times to reach this person. They do not answer the phone or return messages. They have now filed a civil judgement for the full amount of the debt.
Ally Financial blocked me from viewing past payments history online, to see if there 's any missed payments on the account.According to the [ EUTA ]. 
Electronic and Record Act I should be able to access and retrieve records / data online if I did business electronically with Ally via. eBill, email or any other type electronic transactions. Ally Financial used my personal authenticity [ username and password ].
My account was negative from bounce check I clear the negative balance they won't let me access my funds nor close my account and mail me a check
We have been trying to get a loan modification from Well 's Fargo Home Mortgage for the last 6-8 months. They put us on a {$600.00} a month payment until a decision was made. For the last 5 months I have not been able to speak to our specialist. I have left numerous message on their phones and no one will return our calls and they keep changing who handles our load modification. On XXXX/XXXX/16 we received a letter from Well 's Fargo stating our loan modification had been denied because there are title issues with our property. We again tried to contact on XXXX/XXXX/16. My husband stayed on hold for 20 minutes, then they disconnected him. I called right back, was told by the woman that answered she could not tell me what the issues were. I stayed on hold for 30 minutes while she tried to connect me with a home specialist. After 30 minutes she came back on the phone and said a supervisor would have to call me. I asked when and she said in 24 hours, I made sure she had the right contact number. Well 's Fargo always say they will call back in 24 hour and never do. I am afraid they are going to try and foreclose on us.
Rushcard ruined my finances and caused me so much struggle for about two weeks without a penny to my name. I am a single parent and XXXX kids and i just could not figure out how to feed my kids day by day. I was devasted and cried daily. The need to pay for what they did to us. They conducted a server change, my card would not work, embarrassed to find out after food shopping my card declined on $ XXXX+ in groceries. They would not answer phone, either ring or hung up but not a soul to tell us what was happening with our funds. My sons XXXX birthday party cancelled and rescheduled cause i had no funds. My bills not paid and cell and XXXX turned off cause pmt arrangement i had. I was disgusted how they treated us without a care that we live check to check and had no other means for cash. I fed my kids cereal and milk during this time. It was nutts.
Capital One states that payment was 30 days late in XX/XX/XXXX I never received a statement from the company in XX/XX/XXXX or XX/XX/XXXXCalled Capital One XXXX automated line in XX/XX/XXXX, and the system stated that no payment was due in XX/XX/XXXX Made additional payments in XX/XX/XXXX ( See attachment ) Record clearly shows that payment was received on XXXX XX/XX/XXXX ( See attached ) My wife paid the bill on my behalf, as I was out of town. 
I have never been late with a payment and have been a loyal customer I am a service XXXX XXXX  veteran and request goodwill adjustment, if the evidence provided is not enough to make this request possible.
I reported a problem to gm fraud and XXXX XXXX   attempted to cover up For the dealership which is not in accordance with Missouri state law or accessing credit report. They write me on XXXX  saying someone would contact me but has not yet. Gm is committing anti trust by not offering my llc .. XXXX XXXX the same loans it offers XXXX  business owners in my area.
MY wife was late with a monthly payment in XXXX and XX/XX/XXXX. XXXX times the department store " XXXX '' added appropiate late fee and included interest with original balance and with additional late fee. In XX/XX/XXXX and XX/XX/XXXX my wife did pay the balance if the " XXXX XXXX credit card payment due. However XXXX XXXX did report my wife with a delquant payment to all XXXX credit reporting agencies for both XXXX and XX/XX/XXXX. In XX/XX/XXXX my wife and I started a application for refinace our home for the hopes of a 30 year 4 % rate but, due to the late payment and XXXX XXXX reporting XXXX the late payments to all credit reporting agencies brought my wife credit score down which kept us from achieving the top tier rate of 4 % but got a 4.25 %. My wife called the department store " XXXX XXXX '' explained that she was late but did pay in full the balance interest and late fee for both months but the department store was unwilling to remove the report they made once again even though my wife made full resituition for the credit card amount due. The department store XXXX XXXX credit card divisionwere perhaps well within their legal right anc correct in doing so but my wife did make full payment did not welch or file bankruptcy and welch on the amount due rather she payed it with fee, interest and balance. I guesss there is No law or rule against poor bussiness practice.
I received an offer to take a cash advance against my Wells Fargo Credit Card for a promotional rate of 3.9 % for one year, in the amount of {$7500.00}. I also use this credit card for purchases, and I made {$5000.00} in purchases. I always pay off my purchases when the credit card bill comes in. So, when the bill came for {$12000.00}, I paid {$5000.00}, realizing that the interest on the {$7500.00} would go against an outstanding balance that interest would be charged against. To my surprise, Wells Fargo applied the entire {$5000.00} to the promotional balance, leaving the purchases unpaid, at an interest rate of 12.49 %. So, the upshot is that if you do n't use the credit card for ongoing purchases, you will probably get the promotional rate on the full amount of the cash advance for a year ( as advertised ). But, if you actively use the card, then the promo balance will be paid off in a few months, and you will owe a much higher rate on the purchases - which never got paid. None of the information about the promotion indicated that this is how payments would be applied. Wells Fargo did refund all the interest that I paid this month, but said I would need to call back every month and ask for the interest back - and they may or may not be willing to do this. Had I known that this was how they were going to apply the payments, I would have never used the promotion. I already had the {$7500.00} on a loan with a 6.5 % interest rate, so I am worse off now.
HSBC Beneficial is the owner of my mortgage. I am currently not up to date with my monthly payments. For the last three months I have paid per the agreement made with them to catch the payments up, yet every month I am being charged {$25.00}. for what they describe as a `` drive by '' to see if I am still occupying the property. `` DRIVE BY '' words used by XXXX XXXX! they know I am still in the home and has not abandoned it from conversations I have had with them! Why are they allowed to get away with this, this is wrong! They have been profiled as a predatory lender. My interest rate is 7.74 ( fixed ), I have been paying on this loan for 20 years, it was over appraised when I got the loan, and they knew it. The balance is XXXX. 
I know that I have a decision to make concerning this property, and I am at a turning point to let them have it. As Consumers we need to be aware who the predators are in this industry, and there are MANY!
XXXX XXXX XXXX I have disputed account which Transunion reported as late payment. I asked them to send me some kind of information as to why they say the account is verified, true and correct. But they failed to give me. The error has affected my credit score.CFPB please step up and fix this ASAP please Im looking to purchase a home.
There is a lien on my credit report that belongs to someone else. It is from    XXXX    County , for a debt from New Mexico Taxation and Revenue, from years ago, and from a "  XXXX   XXXX  '' with a different social security number. I only moved to the  US  last year, and have never dealt with, or even visited,  XXXX  or New Mexico
On an annual basis, PHH requires borrowers to upload renewed insurance information. I pay my flood insurance personally, that is not included in my escrow payment. The portal that they use to upload documents seems to never successfully work ( even though it states " Document upload Successful '' ). Back in XX/XX/XXXX, I received a letter from PHH stating that I was going to be billed {$1600.00} for flood insurance since I did not upload my new policy. I did however, upload my new policy information via their portal and then once again after receiving the letter. My policies are all current. I received a recent escrow analysis stating my escrow was short. The company representative stated {$1600.00} was pulled from escrow for flood insurance, flood insurance I already showed proof of paying. I have had my loan with them since XX/XX/XXXX and they are constantly messing up my escrow balance. For the 1st two years, they could not figure out my taxes and were issuing me a check for approximately {$2000.00} at the close of the year for the overage. An overage which I fought them on numerous times, however they stated they need time to figure it out. They are now stating that even though they doubled down and paid insurance which I showed evidence of, that my new bill is substantially higher to cover that deficit. I refuse to pay anymore than what I should be paying. Thank you for your review into this matter.
Called me at my employer 's, when I said I am at work and hung up, called back and asked to speak to HR.
Bank of America checking account says I owe XXXX Im not aware of. Says something dealing with a fraud but they say I have to pay. Im trying to open account with a different bank and I cant because of this.
I was asked on Experian and XXXX security questions about a car loan that I possibly obtain in XX/XX/2015 and about the lending Institution and I have not obtained a car loan in XX/XX/2015 or any other kind of loan! I was denied access to my credit reports. I encountered this same issue about three years ago and was never able to come to get my credit reports. However today I was able to access XXXX credit report but I seriously need my other XXXX. I 'm afraid I am a victim of identity theft or something and I need some answers immediately, I 'm scared.XXXX
I have a mortgage with Webster Bank on a condo worth {$100000.00}. The balance after 12 years is {$47000.00} and the mortgage started at about {$59000.00}. My car broke down from shoddy repairs at a dealer and I applied for a Home Equity Line of Credit for {$5000.00} to {$10000.00} and the rejection letter I got today says I applied for a loan fro {$32000.00}. They are a predatory lender when trying to refinance or apply for refinance or anything regarding an existing mortgage. I asked for a copy of my application I made over the phone with my local branch XXXX and have n't gotten it yet. I was referred to XXXX Credit Counseling XXXX XXXX whom I have been to when I got the mortgage on my house XXXX. I have had nothing but trouble with identity theft since. Webster Bank put all these identity theft flags on all my accounts and did not take that into consideration when I applied for my loan. I applied over the phone XXXX XXXX XXXX XXXX, XXXX, CT
Hello : I purchased a 95 year old foreclosed property at XXXX XXXX XXXX XXXX, XXXX, MD. I later found it had major structural problems so we demolished it. 

In rebuilding we came to realize the reason for the old structural problems was because it was once used as a landfill at some point thus rebuilding on a contaminated landfill will cause many issues with the new structure and also health concerns. 

I have been trying to communicate to the bank that that now has my loan ( not the original mortgage company who turned around and sold it to this current bank ) that I need a deferment to resolve the issues we have encountered ( the place was once a landfill/contaminated soil ). 
I have borrowed over XXXX to keep up with the mortgage and pay rent too. It 's not sustainable. 

Is there anything you can suggest I do? 

Thanking you for your response. 

XXXX XXXX
back in XX/XX/2013 i filed a bankrutcy and one of the creditor was XXXX county experian sent one of there worker down to public records without knowing the fact of the account being discharge and put it on my credit report themselves i call the the comapny to see if they added and was told no by one of there superviosor i call experian to see whybthey added to my report the manager XXXX said they have a right to send a worker to get public information on a consumer and can add it to there report themselves this is experian stating they can do this how it it they can add and take off what they want and mess a person report up i have also sent them a police report for identity thief because there was XXXX inquiry on my report that i did not do and they stated they do not have to delete also they sent someone to retrieve all my old bankructy information and they place it on my credit report that a mess they literally sent a representative from there company to get bankrupty information and place it on my report when i call the bankruptcy court to see if they place it on there they said no they are not allowed to pace any court information and plus how did experian know the bankrutcy belong to me from what the court said they do not share any information on people who file so my question is can a credit Bureaus do what they want mess people credit up because they have the right to add what they want
I Received an alert that someone tried to use my identity to apply for a Chase Bank card. I contacted Chase Bank immediately after and disputed the inquiry. I spoke with Chase Bank SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from Chase stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.
I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XXXX or XXXX, so this is why I do not have any receipt to show my zero balance because I was not aware they would just not in XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.
Nationstar is charging me bogus fees for no reason, I 'm not late, completely current and paying extra every month on my loan and since XX/XX/2016 they 've charged me a ttl of {$90.00}. They are SUCH a horrible company, they can not tell me what the fees are for, they should n't be allowed to do business.
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are two fees  applied on XX/XX/XXXX of {$730.00} for : a. One fee is for Hazard Insurance b. The other fee is for Escrow advance On the other set of customer account activity statements received XX/XX/XXXX, there is only one fee applied on XX/XX/XXXX of {$730.00} for : a. Hazard Insurance Dispersement There are also several {$25.00} fees listed on the customer account activity statements received on XX/XX/XXXX that are not reflected in the customer account activity statements received on XX/XX/XXXX. 

I will be taking legal action on this matter. You can also see a copy of some of the discrepancies attached. This issue goes back years.
This company Pinnacle keeps reporting a debt collection attempt which is beyond the statute of limitations for the state of Massachusetts. This original debt date is 2006. It was removed from my credit history on XXXX and then put back on as a new debt XXXX. I have never heard from or spoken to this firm, yet I can see the information on my past credit history reports.why?
Capital One changed the interest rate on my credit card account from 0 % to 12.90 % APR without any notification that this change was taking place. As a result, I had no time to remit payment in full on my account prior to the interest charges beginning to accrue.