WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Capital One, applied for and was approved for a securedMaster Card. I submitted a payment of {$500.00} and received my card laterin the mail. upon receiving my card, I began using it for purchases untilclosely reaching my max limit, at which point I contacted them andsubmitted a payment for the full balance of the card as well asadding an additional password for security. Shortly thereafter, I madean attempt to use the card without success. I contacted CapitalOne and was transferred to the fraud department for further identityverification. After answering all identity questions, I was told it was not enough, and I would need to submit proof of my identity through a secured link and it would take 1-2 business days to clear up. Information was sent in this sequence, all per requestof a Capital one fraud specialist : First I sent a photo copy of my drivers license. Was told two days later that it was too small and needs to be bigger because the address wasnot legible. I then sent another, bigger, copy of my drivers license. Wastold two days later that I need to send a copy of my license and socialsecurity card. After submitting a copy of both, I was told I also needed tosubmit a copy of a utility bill for proof of residency. I informed them that I moved in with my sister, and the utility bills were in her name. Atthis point, I inquired as to why my address on my account matchingthe address on my drivers license would not be sufficient. I was then transferred to an account manager who informed me that the addresson the drivers license would be sufficient as proof of residency, andI just needed to wait 1-2 business days for it to be verified. Uponcontacting them again two days later, I was told that I needed tosubmit a scanable copy of the front and back of my drivers license, or go to a bank and have them verify my identity over the phone. 
I attempted this with XXXX different banks, without success, as thebanks say that it is against their policy, and they have never evenheard of banks doing this. At this point, I submitted many large, legiblecopies of the front and back of my drivers license, as well as a copy ofmy social security card, and a " notarized '' copy of my banking form, ona bank letterhead, verifying my account at the bank, as well as mycurrent address. It has been 3 days since I have submitted all this information, and now when I contact them, I either get hung up on, placed on hold with no one returning to the line, told they did n't receivethe information, which had already been confirmed received, just waitingfor review, or told the management department which does the verifyingwas unable to take the call. I have even attempted to cancel the cardand have them fund the money back to the bank account it came from, also with no type of success. The last attempt I made to contact them inregards to this matter, I was told that they, themselves, could n't evenaccess my account until all the information was verified.
Equifax is showing numerous student loan tradelines as being 120 days or more late from 2014. During this time I was unemployed, collecting unemployment from NYS, and my federal loans should have been in deferment. I have disputed these tradelines multiple times, but Equifax has not changed the negative status, despite updating to show those months as paid for XXXX or the XXXX XXXX XXXX XXXX.
Several months ago, I suppressed my information with XXXX from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both XXXX and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with Equifax, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from Equifax on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through XXXX. Now I wonder how that could be possible when per XXXX all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however Equifax, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by XXXX. I information should have always been suppressed/frozen with XXXX from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from XXXX unfortunately the suppression was compromise and it was being reported. Suppression numbers for XXXX XXXX & XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX per Equifax, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
I returned merchandise to XXXX and sought a credit via my Captial One card. After several months later and providing evidence of the fact, I was rebilled by Capital One for merchandised returned at a 27 % interst rate. I still do n't understand their dispute process to credit your account and later re-bill you with substantial interest. I seek to complain about this particular issue and this practice.
Hello I've been a customer with the Bank for 12 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached ... I have paid a lot in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.Please Help
I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX regions bank acoount # XXXX.I was never late.The information is incorrect.
There is a fraudulent charge on my account, and when I attempted to report it, the representative from the financial institution was very rude and hung up one me.
AFNI is stating I owe a debt of {$970.00}. I repeatedly disputed this claim several times which was originally through a debt collector named   XXXX   XXXX   XXXX   and was deleted from my credit report and 3 months later AFNI added it back on. the reported information is incorrect. My services is with   XXXX   XXXX   and has been for over 3 years. I have never received any paperwork from AFNI stating I owe the debt or details of the debt, and they have failed to verified correct information. This false new activity from AFNI have caused my credit score to dr op over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.
Hi, I 've tried to see my credit score because I was denied of a credit card. There were certain questions I could n't answer, because I did n't have the correct answers to them. I 've put none of the above for all the loans they asked me about and I was informed that I was giving out the wrong information. I 've only took out a student loan. No car loans or mortgage loans. I think somebody has been using my information and now I ca n't even obtain my credit score. Can you please help me solve this so I can finally see my credit report.
So, here 's the challenge I 'm facing. 

I have XXXX accounts ( XXXX XXXX XXXX & XXXX XXXX XXXX ) that are XXXX reporting on Eqiufax and XXXX. 

The date of last activity/reporting on each should be XX/XX/XXXX. However, they XXXX have updated the date of last activity to more recent. To my knowledge, this is illegal. 

I have not made any more payments or any other type of activity on either account since XX/XX/XXXX. This is causing the statute of limitations on each account to be extended much further into the future. 

XXXX Now reporting : XX/XX/XXXXXXXX XXXX now reporting : XX/XX/XXXXI would like these errors to be corrected, as they are unfairly lowering my credit scores and damaging my current credit reports. 

If you need further information from me, I 'm happy to provide it. 

Thanks in advance! 

XXXX XXXX
In XX/XX/XXXX I contacted my mortgage company SunTrust to inquire about refinancing because I had moved into my rental townhouse which was now my primary residence. I received an estimate and was told I would have no closing costs and only would need to bring that month 's payment ( XX/XX/XXXX ) to closing. Later they came back saying I needed a {$500.00} appraisal which I paid for. Throughout the process they repeatedly asked for documents I had already given them and even up until last week, I was still being asked where I lived! After much delay and XXXX I finally was given a closing date of XX/XX/XXXX. Today, after I asked for the cost to close, I was sent a revised estimate of {$5000.00}! I was told they had originally done the estimate with my townhouse as a single family home. The appraisal clearly stated as did ALL other documentation that my residence is not a single family home. It is no longer worth doing the refinancing at all and all they can say after every mistake they have made is " sorry ''. I wasted {$600.00} in fees to date.
My personally identifiable information, including my social security number, according to Experian, was stolen from their system. The had set up a website for consumers to check and see if their data was on " the dark web ''. They required me to put in my name and part of my SS #. When it came back indicating I was a victim I clicked on a link to go to their free credit monitoring and insurance site that only provides one year of coverage for free. The enrollment requires me to waive my right to sue and to commit to arbitration. 

The loss of my social security info is a life long exposure to credit fraud and the one year of protection is inadequate. I do n't want to enroll in their service, which I believe they are required to provide, because of the waiver. I understand the waiver is not related to the current breach but to the service they provide under the monitoring and insurance. It is a huge disadvantage for me to have to arbitrate with them if they screw up again on the monitoring or insurance. I need to have the right to be in a class action suite if there are issues.
There a re five steps to submit your complaint : Step 1 : What  is this complaint about?  <P/> RMC Of America {$350.00} lawsuit filed against me in error. I have the letters stating it. They removed it from my credit bureau after I spent months dealing with it. However, the debt wa s 2 years old a nd the employer I was working for at that time said the debt was " written off ''. When I expressed to him I was going to move my company a few months ago he started planning a way to hurt me and put me out of business. I am suing over it. He affected my credit, my bank account funds because he was using my construction company but not paying it and forced me out of house and home. He is now trying to state an unlawful detainer even though I was never actually given a reason. I was treated in the manner of " either quit or resign or else ''. I have it on camera and proof of this man.  <P/> Step 2 : What type of problem are you having?   Unable to use my credit because it was so poorly affected. I have never been late or denied for anything in my life. I am unable to buy a house to move from that situation. Not only that he hurt my cash liquid funds and I have lost so many contract jobs over it. I was never served a notice of " warning '' for a lawsuit or any late notice. In fact, I made communications about this by email as his office was not very organized with this sort of thing.  XXXX  thought it is no big deal, but it has highly affected my credit even after it was removed.  <P/><P/> Ste p 3 : W hat happened?  <P/> Read above^^^ Step  4 : What co mpany is this complaint about?  <P/>   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX   Step  5 :  Who are the people involved?    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX
I used OfficialPayments.com to pay my personal property taxes for XXXX XXXX XXXX XXXX, VA. The XXXX Personal Property Tax Bill issued by XXXX & XXXX specifically indicates that payment can be made online through www.officialpayments.com. The tax bill also indicate that in the upper right hand corner that " On XXXX XXXX, XXXX the Board of Supervisors adopted an amendment to Chapter XXXX, Vehicle License Fee Ordinance, to change the due date from XXXX XXXX of the preceding year to XXXX XXXX of the actual calendar/tax year in which the vehicle is garaged, stored, or parked in XXXX & XXXX XXXX and the inclusion of enforcement remedies as prescribed in the Code of Virginia. There is no increase in fee. '' All tax payments are indicated to be paid before XXXX XXXX of each year provided notices from the county are sent out in a timely manner. The tax bill was for {$78.00} and it can be verified that the money was transferred from the bank ( XXXX XXXX XXXX XXXX ) of the consumer to officialpayments.com along with associated fees ( handling charge ) per transaction as indicated on the back of the bill. XXXX XXXX XXXX County Treasurer Office c/o XXXX XXXX and XXXX XXXX deny receiving those funds and/or misappropriated the funds to excessive fees not allowed. There are only XXXX types of fees mentioned on the bill. The handling charge was paid for making a payment through officialpayments.com. The other XXXX fees were a 10 % penalty after XXXX/XXXX/XXXX which would be {$7.00} and 8 % interest beginning XXXX/XXXX/XXXX which is divided into 12 months, being approximately {$0.00} a month ( totaling approximately {$2.00} by XXXX XXXX ). Other than those acknowledge fees, the bill indicates " There is no increase in the fee. '' XXXX & XXXX XXXX denies receiving any funds prior to XXXX XXXX or thereafter subsequently sending notices to the XXXX XXXX Virginia Department of Taxation and XXXX XXXX Virginia Department of Motor Vehicles preventing renewal of registration. There has been indication by XXXX XXXX and/or XXXX XXXX that there were fees assessed that may have misappropriated any funds actually sent to the office and then it was subsequently reported that the office did not receive any payments that were wired from the personal XXXX XXXX XXXX of the consumer to officialpayments.com and then electronically wired or transferred from officialpayments.com to XXXX XXXX XXXX XXXX c/o XXXX XXXX and/or XXXX XXXX. The XXXX XXXX XXXX XXXX has verbally indicated that the transactions were completed and a consumer financial protection bureau complaint was filed for further verification on XXXX/XXXX/XXXX under complaint number : XXXX. OfficialPayments.com transaction confirmation number ( s ) : XXXX and XXXX ( attached ). The XXXX XXXX Virginia Department of Taxation also with held approximately $ XXXX because XXXX XXXX XXXX XXXX indicated that they were not paid.
The companies are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Trust, XXXX, XXXX XXXX, XXXX, FCI Lender Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX ( 3 assignments ) there have been numerous assignments of my mortgage which I believe are fraudulent. There were 8 assignments in just the last 9 months. I have paid interest on a XXXX dollar loan since XXXX at 8 % and have never received a IRS form XXXX which I believe would have helped me when I filed my taxes each year. Also I made two lump sum payments totaling approximately {$630000.00} in XXXX. I never received an accounting of my balance until last month and FCI Lender Services and XXXX XXXX XXXX state I still owe over {$400000.00}.
I received a new report on my credit that an open account has been reported to a collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks
Credit Central is coming to my house harassing my wife and have been for the last XXXX days. I owe then about XXXX bucks and they are sending people to my home telling my wife I set up a meeting with them weeks ago. Kinda hard when I 'm on a otr truck driver. They are harassing my family and it needs to stop.
I logged into my account today to find a {$29.00} membership fee charged to my Capital One Secured MasterCard. Let me start by saying it is not the amount that is the issue, but the fact that this charge was never disclosed to me. I spoke with XXXX representatives from Capital One via online chat. Both individuals told me there was no option to waive the fee. I provided several links to the specific credit cards terms and conditions, XXXX of which highlighted XXXX of the perks of the card as " {$0.00} annual fees. '' After an hour of disputing, they still refused to remove this charge and I feel deceived, taken advantage of and inconvenienced. As a young military spouse I will be paying off my account and switching to XXXX.
XXXX unauthorized transactions in my BBT account XXXX Checking {$1500.00} to a XXXX XXXX Savings {$7000.00} to a XXXX
My Auto loan is with Summit Financial Corporation in XXXX Florida. My loan papers given to me from the dealership at the time of purchase state that my " payment due date is the XXXX of each month, and considered late if paid ten days or more after the above stated due date and buyer will incur an additional {$50.00} late fee. '' Summit Financial has not given me any New paperwork to sign for any new due date or additional fees, but began telling me ( after my first year and a half ) that i am past due. They are saying i am due on the XXXX of each month and want me to pay micelllaneous charges but ca n't tell me what the itemized charges are. They do not send me a statement, but only a letter telling me i am past due, micellaneous charges of {$300.00} dollars, no new balance ( balance never changes even after they get payments ). They argue that I have the wrong understanding about the contract and they they do not recognize what the dealership gave me. Only what is on thier computer screen. I have noticed that there are others on a blog site that are having the same problems as I. Surely they can not change my finance terms without me signing a new contract. 
Please advise.
I am a GMFinancial customer since XXXX 2015.I was recently XXXX '' from the XXXX after XXXX. I moved from XXXX to XXXX. The vehicle that i Have leased with GM Financial is for my wife so that she could get back and forth to work as we both are not full time employees after I took a job working for the XXXX. My pay decreased annually by {$XXXX} a year. During the month that my payment was late with GM Financial I had made a call requesting an extension and set up a scheduled payment that cleared. During that call, I was lied to and told that I would not be reported late and that once my payment cleared I would be set. GM Financial inaccurately reported me late for a month that I was told I would be current. I have since been on time with payments just as I was before. As part of my promotion in my job, I am required to keep my credit report immaculate. My job requires an XXXX. I will be getting reviewed again in the next couple of month and I am fearful of 30 day late report showing up on my review. This will hurt my chances of promoting and becoming more financially stable.
I was bait and switched initial with the terms of an Auto Loan, I was forced to used Well Fargo Dealer services as opposed to my credit union ( this was the car dealerships doing not wells fargo ). During the time with Well Fargo, I was told there was no early payoff penalty. That was a lie. I was told my rate was 5.9 %, that was a lie, they wouldnt give me the loan unless they charged 6.9 Well fargo Dealer services also was n't reporting that I was making payments on my car when in fact I have been paying on time every month thus negatively affecting my credit.
When I called Ally, the company holding my CD, I was interrogated to establish my identity.  But the questions varied from the usual.  After ginving my mother's maiden name, and all the other usual identifiers, I was asked to identify "XXXX"  something or other.  When I responded that I had no idea what they were talking about, they demanded my social security number, to which I told them I only gave to medical or social security employees.  We had a brief exchange where I gave theme the legal reasons why they could not use my number for their purposes, and suggested they use the same questions the other eight financial institutions used with my accounts: either my birthdate, or the Ally account numbers they had given my account.  I was told no.  UnlessI gave them my number they would not respond in any manner.  Although I had calledoriginally to verify that my instructions regarding federal withholding were being followed,this made me extremely suspicious.  Especially since I had become acquainted with Allyonly through their primary business:  aurto financing at dealerships, with no local addfressat all. I told them that their lack of cooperation required me to close the account and getan immediate refund of funds to put into another bank. They laughed.
I checked my credit score in XX/XX/2018 through Experian.com agency, and never signed up for any monthly membership services but they keep charging my credit card monthly, despite my attempts to cancel it. I call my bank every month just to make sure I stop billing from them, but seems somehow they keep charging me. So upset and helpless. I was unaware there was monthly reoccurring charge, and they billed automatically.
This concerns an unsecured personal loan ( disguised as a credit card ) with 10 year term, only for use with XXXX XXXX XXXX or other companies in that business ). The card is with GreenSky, and called a Program Loan Account. The issue I have is with GreenSky, NOT XXXX.

At the beginning of the loan term, I made an extra payment. This payment has never been credited to my account. I called within the first year, was asked " how many payments do you show making? ". I replied " fourteen '' The company representative replied " that's how many we show ''. Now in XX/XX/2018, 2.5 years later, I tried again by calling the customer service line, one day during the week of XX/XX/XXXX to XX/XX/XXXX. The representative said she would have someone call me within 48 hours regarding the issue. Finally on Monday XX/XX/XXXX, I received an email, not a phone call, from Customer Solutions. On XX/XX/XXXX, I called the listed phone number, it required an extension. I replied to the email that this information was missing. The representative, XXXX XXXX, gave me her extension, which I called right away. She did not answer, nor return my phone call. 

I called again this afternoon, spoke to another representative, XXXX. She had no grasp of the issue I had just kept repeating the balance shown on my account, though I explained that my issue is that the statement balance is incorrect. She offered just to send me a transaction history list. 

The bottom line is, this company shows on their statements that I owe {$100.00} more than I do ( I keep records in XXXX of all payments of principal and interest ). Trying to resolve this is fruitless and their customer service is no help and poorly trained.
I am being hit with a hard inquiry on XX/XX/2017 from state farm. I had called the company a while ago and they said they would remove hard inquiry as this was fraud and not authorized me.
There was a tax lien showing up on my experian report when I do not nor have I even had a tax lien in my name under my social security number!!!!! I need this off my report!!! This company is a scam and I will sue them due to personal injury because of this!