WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX CapitalOne Bank Prepaid Personal Credit Cards To whom it concerns : I have just received a Statement from Capitalize by mail. This statement dated XXXX XXXX XXXX regarding XXXX XXXX account for account holder XXXX XXXX XXXX ending in XXXX. 
This statement reflects charges you placed on the account after this account was paid in full and closed by the myself, XXXX XXXX XXXX ( account holder of record ) by phone on XXXX XXXX XXXX. There is record of this conversation. 

Your information on statement with billing cycle XXXX XXXX XXXX - XXXX XXXX XXXX is wrong. 
All provisions were taken at the time the phone call was made to your billing dept. on XXXX XXXX XXXX to insure all information was up to date and any and all charges were paid in full. 
You have kept the account open. You have added charges. You have billed for transactions you placed on this account well after it had been closed by the card holder. 

All of these actions on your part are illegal. These charges are not the responsibility of the card holder and will not be paid. 
Attempts contact you online have failed. Your company has fail safes in place that prevent the card holder from accessing any and all online resolution services and complaint procedures, as the account is listed as currently " suspended '' rather than closed. 
This is a violation of what was requested by myself ( the card holder ) You are to cease and desist any activity on this account. No interest charges or fees are to be added onto this account. No negative credit reporting due to your questionable billing practicing will be tolerated.

Further, complaints have been filed against you with The Federal Trade Commission, Better Business Bureau, and The Consumer Financial Protection Bureau. 

It is expected you will ignore this correspondence due to past experience attempting to communicate with your Company. I advise that you do not. 
Action will be taken against you if you do not clear these fraudulent charges from the account and process the card holders previous request to Close this account. 

I await your reply XXXX XXXX XXXX
As an employee my job is to XXXX XXXX to their XXXX XXXX. The child was underage and to be seen she signed my name on the documents. I am not the patient, I am not related, I am just an employee of an XXXX XXXX XXXX XXXX in a XXXX XXXX. I was billed for medical expenses for account number XXXX for the amount of XXXX and for XXXX XXXX XXXX   XXXX. I am not responsible for these bills and would appreciate my name being taken off any statement regarding this child. I work for an XXXX that should be billed and you can bill the company not the employee or her medical information. I did not allow or give the child permission to use my information to be seen by these medical professionals. I do not want my credit score or personal information affected by this as I work very hard to be in good standings financially.
I had Child support on my credit file, so I never really used my credit, I have been paying it through my job for years and decided to apply for a small loan, this passed XX/XX/2018 and I was approved, but also found these other accounts and inquires on my credit report. I did a little research and found out what steps to take in correcting the errors. So I placed a fraud alert and file a identity theft report per the Fair Credit Reporting Act. I am attaching a copy of the identity report and would like these items removed, including the inquires accounts. I discovered through my research, that these items should be removed within 5 business days, once I provide the identity theft report. 

I also went to XXXX website and input my information and XXXX, stated the my personal data was stolen in their data breach..
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be  permanently removed from my credit report. 

I contacted transunion and they would not help me in this matter. Please assist in this matter.
I recieved a collections call from an unknown company this morning while in the hospital. After being on hold for 10 minutes through an automated system where the recording told me to wait for a representative, I was hung up on and directed to the website. Their website ( http : //www.cmrefsi.com/ ) is not trusted and upon research, they seem to be a collection scam. I have no business nor have I authorized or agreed to any payments to this or any company or missed any payments to any outstanding accounts.
In went on XXXX XXXX as I had a foreclosure and enough time had passed so I wanted to work on my credit. I located a DEBT {$870.00} with Midland Credit Management ( MCM # XXXX ) for a XXXX XXXX Bank ( # XXXX ) credit card. 
I DID NOT APPLY FOR., RECEIVE, and/or USE a CREDIT CARD. 
I tried to call and speak to Midland, they were rude. I called XXXX XXXX Bank. They were helpful, in the fact, they let me know date the account was opened XXXX/XXXX/XXXX. The address that was used for the credit card : XXXX XXXX XXXX XXXX XXXX, FL. The date they sold the account to Midland Credit Management, XXXX XXXX. They instructed me to call Midland Credit Management back and request a Resolution Letter/Fraud Packet. I did same. However all Midland Credit Management sent was a BILL for the {$870.00}. I never received the Fraud Packet. 

This is NOT my debt. I was married and lived at that address at one that time. HOWEVER, I divorced and moved to XXXX in XXXX XXXX. 
My Divorce was Finalized XXXX XXXX. 
This account was XXXX XXXX XXXX. 
Again I did NOT live at the Address of XXXX XXXX XXXX XXXX XXXX. FL when the account was opened and used. I did not apply for any credit card. I obviously never received the credit card as I had not lived there for almost XXXX XXXX. However, my ex-wife DID live there at the time the account was opened. As we were once married, she knows my Social Security # etc. I can not say she is the one who did this, but it appears she had means and opportunuty. And during this time she has multiple arrest for fraud, stolen property etc, as a result of her drug habit. 
I sent BOTH XXXX XXXX Bank and Midland Credit Management a Certified Letter stating the issue andagain asking for a FRAUD PACKET, a copy of the APPLICATION, a copy of the exact CHARGES and locations of those charges. 
XXXX XXXX Bank responded they do not own Account to contact M idlandCredit Management.
Midland Credit Management responded that they " investigated '' and determined it was a correct debt.??? 
How is that possible? Someone FORGED my name, USED my Social Security #, basically STOLE MY IDENTIY, ran up a debt under my name. 
How is this a legitimate debt? 
I NEED and DEMANDED from MIDLAND CREDIT MANAGEMENT to provide me : 1. Fraud Packet 2. Copy application including signature card 3. Copy Ledger of each of the purchases ( dates/location/amounts ) assocaited with this debt 4. Verification of exact date and address the credit card was mailed. 

Again I have been repeatedly DENIED this information. 
I need this information to file a Criminal Case with the XXXX 's office. 

I need assistance. Someone STOLE my identiy and Midland Credit Management is REFUSING to provide me information that I need to 1. determine WHO stole my identity and 2. pursue a criminal case against that person. 

I can be contacted at XXXXXXXXXXXX or XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX. 

Thank you XXXX XXXX
My now ex husband applied for a home equity loan in 2004. When the agent came to close the loan at our house she required me to sign all of the documents including the applications. At the time I did not know any better. My husband defaulted on the loan, I started to dispute the validity of the loan. At the time of the loan, I did not work, was not on the first mortgage to the home and did not apply jointly for the loan. I have sent numerous certified letters to Ditech ( XXXX XXXX/Greentree ) requesting the application and underwriting of the loan. I have been given the run around for a year and a half. They originally would only send me the promissory note and a payment schedule. I continued to call, email, and send registered letters for the application and underwriting package. They would not send it. I spoke to their attorney who verified they sent it to someone else 's address ( a relative of my ex ). Finally a year and half later I received the application. The typed one is signed and dated the day of closing, you can see that they typed a earlier date in the corner but the signature date is the date of closing. The handwritten one is not dated at all.. I never received the underwriting. They filed a judgment against me, which I had no knowledge of and I recently had to pay them over XXXX dollars from the sale of my house. Not the one for the HELOC. I told them I would still dispute it but I had to sell the house or risk bankruptcy. Lastly they have yet to even satisfy the judgment 2 months after receiving my funds. The bottom line is I did not apply for joint credit. I did not sign the application at the time of application. My husband ( ex now ) was approved for this without me. I did not work or contribute to the income.
I have a bad connection for my account all my family member, I have called XXXX several time and saying they have a problem on the net work will resolved it, also said they have an extension due to a lot of customer using their net work, then I went on vacation while I request them to put all the XXXX lines on my account on seasonal hold but with out success and keep charging the full charge without using their line. and finally I decided to discount the line and I am calming a refund for the three months they charge {$310.00}, {$460.00} and {$320.00} for the months XXXX/XXXX/2014 till XXXX XXXX2014 and when ever I dispute with the collection agencies no response. and I surprise this issue went to my credit report, therefore I totally dispute the issue and request XXXX to refund my money I have n't used their service during the period above and I deport my line and my family lines due to their net work problem. thanks and best regards XXXX XXXX
I recently switched my cell carrier to XXXX. I was told I would have to pay for the phone up front and use autopay because they could not get my credit score from Equifax. I requested and received a copy of my credit report from Equifax which clearly shows a hard inquiry from XXXX. I have written them twice but only received a copy of my credit report ( which I clearly stated I already had ) plus generic form letters which did not address my issue.
The Citibank Credit Card company is a ridiculous, rude and not a consumer friendly company. this Bank should be closed down. 

First of all they close my credit card out of no reason. 

Secondly what they claim that the customers get 100 % fraud protection on unauthorized charges on their credit cards is a bogus scam because if the card is lost and if someone else uses it still we are still responsible for the unauthorized charges. 

On around XX/XX/XXXX or XX/XX/2018 my credit card was lost and I duly informed the Citibank about it, they sent me a new card.

Now after two months they have put {$1400.00} on my Account and asking me to pay that Amount. I can not even see this amount on my XX/XX/XXXX Citibank Statement. Is this is a scam or what?

I will not recommend anyone to apply for Citibank Credit cards as  it is a ridiculous money making company and should be sued in a court of law. 

My credit card was in XX/XX/2018 and I did report it to Citibank Promptly, they gave me a temporary credit and 2 months later reapplied to my account ruining my credit. 

There XXXX anywhere Visa Credit Card is a scam Card and they are also ruining XXXX XXXX Reputation. I would request XXXX to please discontinue and disconnect all ties with Citibank.

I will never apply for a Citibank Credit card again.
Adding documentation regarding the Bad Faith claim against Comenity. Daily I get letters tha dispute the last letter First letter ( not attached ) came in XX/XX/XXXX saying it was never cashed and when I called they agreed to cancel it. At this point I suspect theft/fraud/bad faith. Please review the letters and these are related to original complaint XX/XX/2017 # XXXX since not able to add attachments after originally submitted. I had also made a complaint to FDIC and they forwarded it back to you and XXXX was opened. It 's just a duplicate of XXXX so ok to close out XXXX
Sun trust Bank did not send me a good bye letter, they did not inform me that my mortgage was being sold off to another servicing department or debt collector. I was never given any information at all in reference to this matter. I need some form of accountability on the part of Sun trust bank. After 15 years of payments to them and trying to work out a loss mitigation plan to help me keep my house they have done very little for me as a customer of this length of time. Have them get back to me soon as I still have no access to my old account. I am locked out of the system and do not have my XXXX form or any other financial information to file for tax purposes and for my personal record keeping. This is predatory lending tactics at best and there are laws in place now to protect homeowners.
I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. XXXX and Transunion both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score Transunion falsely stated that I had insufficient length of credit history. XXXX falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. XXXX just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called Transunion and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from Transunion. I read out loud the credit score notice to him and he again denied that Transunion gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days  for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX XXXX fined XXXX and Transunion XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with TransUnion, XXXX and XXXX and requested they cancel my order and decided to file a complaint with CFPB. 
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.
On XXXX XXXX 2015 I realized that I might have problems paying Suntrust mortgage because the house was struck by lighting. I called and spoke to representative who transferred me several times and they completed a three way call with XXXX XXXX XXXX to provide a credit to cover the XXXX 2015 payment. A three way call with all parties stating they recorded and banking info provided to debit the account. XXXX XXXX XXXX agreed and said they would credit it and then receive the payment from me XX/XX/2015. Suntrust sold the loan to XXXX and never pulled the XX/XX/XXXX payment as agreed, Did n't apply the XX/XX/XXXX payment that I paid and submitted information to XXXX that my last payment was in XX/XX/XXXX with no insurance on the home even though it is attached to the mortgage. I only found out when XXXX sent me my first statement requesting proof of insurance that no payment had been paid to my account. When I called Suntrust they said they have no record of it even though my Bank account shows the opposite. XXXX XXXX XXXX has provided documentation twice to them. XXXX is now my primary mortgage company which a payment was made but my credit and late fees had taken a negative hit due to their negligence because they violated RESPA. XXXX said they have until XX/XX/XXXX to fix the situation which no current statements show any progress. Since they did not pay any payment I am now 2 months behind instead of current which will be currently eventually but not for a while. Suntrust has also refused to take any responsibility since they no longer own the loan.
On XX/XX/2018, I disputed an inaccurate medical collection item on my Experian credit report as the account was paid by insurance and the company was not to balance bill per the contract they had with the insurance company, yet they still did. On XX/XX/2018, I received notice that the dispute investigation had been completed and the item had been removed from my credit report. 

On XX/XX/2018, I noticed that the account had been added back to my credit report. I again disputed the item, advising Experian that they did not send me proper notice that the item had been reinserted. I received an update on the dispute that the account would remain on my report. 

According to FCRA 611 ( a ) ( 5 ) ( b ) ( ii ), " Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' This account is not a valid debt, and despite my efforts to get the creditor to remove it, they will not. Experian deleted the account for a reason, and has no grounds to reinsert it, especially violating the FCRA and failing to notify me of the reinsertion in a timely manner.
Transunion verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report
Hello, I had a loan with RoadLoans in XX/XX/XXXX, repoed in XX/XX/XXXX. RoadLoans was bought by Santander in XX/XX/XXXX. I filed bankruptcy XXXX discharged in XX/XX/XXXX. Case # XXXX. RoadLoans and Santander is part of my filing. 

RoadLoans and Santander take turns appearing in my credit reports as late payments. I have called them. I sent a certified letter telling them to stop and comply with a federal order. 

I am applying for a FHA ( possible USDA ) loan. I have to write a letter explaining my late payments with my student loan and bankruptcy. Apparently RoadLoans/Santander appeared again on my credit report as unpaid. 

I am asking for assistance in this matter. 

Respectfully Yours, XXXX XXXX
our citgo gas card had not been used by us since XXXX..our statement dated XXXX showed XXXX in purchase of diesel fuel at XXXX per purchase ... the cards are in our possession so we called and filed a dispute -- -we have cars which take XXXX of gas and we dont live in XXXX ... we notified both customer service and their fraud department ....
I obtained a loan thru Navient previously known as XXXX XXXX. The loan is no longer available, but it was originally called a Tuition Answer loan. I have all my documents but I borrowed {$5400.00} back on XXXX/XXXX/XXXX. Not sure what happened between XX/XX/XXXX and XX/XX/XXXX but my loan increased to {$10000.00}. I was having financial difficulties and was not able to pay the loan on time and was behind and they finally worked out a payment with me XX/XX/XXXX. Right now as of today the documents state that I will have repaid XXXX by the time I pay this loan off which is RIDICOULOUS!!! That is way more than the amount I borrowed and I would like for this loan to be evaluated by the CFPB and see if there have been some unfair lending practices with this loan. I am in over my head with these loans and I am unable to file them on my taxes because I was told that they are not student loans and they wanted me to call the school to ask if they can certify the loans so I can get federal tax credit. I did n't call the school because I figured if they are not student loans then when I filed my bankruptcy XX/XX/XXXX they should have been considered in the bankruptcy due to the fact that I have paid on these loans and am not able to file them on my taxes and still owe over {$9500.00}. I am never going to get these loans paid back and the amount is not going down. I have faithfully paid for the past 2 and a half years trying to keep my credit score from dropping but I do n't know how much longer I can stand to deal with this. I do n't understand why I am paying back 3 times what I borrowed. I am a single mother paying childcare. I would like to have loans that are affordable. I am not opposing paying the loans but It has been since XX/XX/XXXX and I am still trying to pay back some money that I did n't borrow.
I did not make theses inquiries and I just started monitoring my transition credit report inquiryXXXX XXXX  XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX  XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XX/XX/XXXX inquiryXXXX/XXXX XX/XX/XXXX inquiryXXXX XXXX/XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XX/XX/XXXX
A collection agency is trying to collect on a debt that has already been paid. The original creditor ( XXXX XXXX XXXX ) was paid by the XXXX XXXX XXXX. The XXXX also committed XXXX fraud by billing XXXX after they had been paid by the XXXX XXXX XXXX. I am being harassed because I am a senior citizen living on a fixed income. I was an inmate in the XXXX XXXX XXXX. I am not responsible for a {$110.00} medical bill. The city of XXXX, Virginia is responsible for this bill. I never received any medical care from the XXXX XXXX XXXX. I am a victim of harassment by The Credit Control Corporation. The Credit Control Corporation is conspiring to defraud and extort money from me for services that were not rendered.. The Credit Control Corporation is also guilty of conspiring with the XXXX XXXX XXXX XXXX to defraud XXXX out of money that was not owed. XXXX paid a claim for services that were already paid by the XXXX XXXX XXXX for services that were not rendered. This is fraud in its most quintessential form. The Credit Control Corporation is violating my civil rights by putting false, inaccurate information on my credit report. There is no record that I ever received any medical care. I never signed any forms or papers requesting services. My signature does n't appear on anything. I was never there.