WillisBack/dataset-financial-user-claim huggingface dataset:
on   XXXX   XXXX   i called  XXXX  3 times, was hung up on twice, the last person named  XXXX  took my complaint and he said that for inquiring on   XXXX   XXXX   XXXX   this will add another 10 years which will not remove til   XXXX   XXXX   This is a fake. this account has been inactive since  XX/XX/XXXX  this is now  XX/XX/XXXX , i then called Capital One and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a truck driver, i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago. Capital One is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -  XX/XX/XXXX  took the help of the  XXXX  because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on   XXXX    form:
 XXXX  report

  XXXX   XXXX   
  XXXX   XXXX  

  XXXX   XXXX
I had filed a fraud claim with Wells Fargo back in XXXX. I had a charge on my account that I was n't aware of from a merchant. On XXXX the XXXX, XXXX the amount was put BACK into my account from the merchant. A week later on the XXXX of XXXX of XXXX Wells Fargo credits back the charge again to my account. So basically the amount was put in twice into my account but I did n't catch this and was n't made aware at all. Apparently Wells Fargo did n't catch that the merchant had refunded me already. Today, XXXX XXXX, XXXX, XXXX of those charges were reversed. I did n't receive a letter in the mail or a message on the wells fargo website or an email stating that my account was credited twice. The customer service also blamed it on me, saying that it was up to me to catch the double deposit that was made and that I had to call and tell them. I was n't made aware of this double credit and the amount was n't a lot to where it was completely obvious for me to catch. BUT the bank was supposed to catch that the merchant had refunded me already. It makes no sense for them to credit me the same amount the following week. So now I have money out of my checking account about three months later because they were at fault for crediting me extra back in XXXX without apparently knowing the merchant had already done so. I 've been a customer for years and spent 4 hours on the phone being thrown around from the exec office to the claims department. I want that money back in my account because this should 've been taken care of in XXXX of XXXX not nearly the XX/XX/XXXX.
XX/XX/XXXX To Whom it Concerns, Regarding : Card Benefit Services, Bank of America Benefit Claim number XXXX Incident Date : XX/XX/XXXX My appeal on an insurance claim on a car rental was recently denied. 

Due to an error on the part of XXXX XXXX XXXX, my claim under the Collision Damage Waiver Benefit was  previously denied. The error has since been corrected and I was therefore able to appeal. 

In short, I was denied in the first place because the credit card insurance only covers rentals 15 days or less. XXXX was instructed by me on several occasions to cancel my first car rental contract of the XXXX XXXX on XX/XX/XXXX ; Rental Agreement XXXX ( Exhibit A ) and open a new car rental contract for the XXXX  ; Rental Agreement XXXX ( Exhibit B ) beginning XX/XX/XXXX through XX/XX/XXXX. Their error in neglecting to do as agreed ( Exhibit C ), thereby lumping these two car rentals into one rental contract which you previously received ( Exhibit D ), made it appear there was only one car rental contract, for over 15 days. 

After a very arduous process on my part of explaining the error and providing evidence to support my claim of error on their part, XXXX has acknowleged their error and corrected the contractual errors and provided me with ammended contracts ( exhibits A & B ) which demonstrates my / their intent to rent the vehicle for only 15 days. 

If you would like to read further supporting documents to shed light on the extenuating circumstances of this process, please see the letter I wrote to XXXX requesting they correct their contractual error ( Exhiibit E ) and circumstances which caused the delay in my closing the first contract due to fraudulent activity on my ( only ) major credit card and my attempts at getting a replacement ( Exhibit F ). 

I hope you will see clearly that I am in fact due to have this appeal granted and payment processed on my claim. 

Please call or email if you need anything further from me. 

Best, XXXX XXXX XXXX XXXXXXXXXXXX
Loan Depot is taking my home through a foreclosure sale date scheduled for XX/XX/XXXX, even though they have never taken a look at helping me with my mortgage. I have an FHA mortgage loan and I am so frustrated that they have not helped me, even though I believe there are government programs available that would provide my loan with mortgage assistance. I have lived in my home since XXXX and want to spend the rest of my life there, but I am going to lose it because I can not get a review started on my mortgage loan. Just over two years ago I had a tenant who stopped paying rent and I fell behind on my mortgage payments. I am retired and am dependent on my rental income to pay my mortgage and other bills. After I fell behind on my mortgage I had hoped that they would work with me to get my loan back on track, but they are just standing still without providing any sort of mortgage relief. They have never reached out to me work out some sort of mortgage assistance. I never had a single point of contact nor I had I received any sort of communication from them that would show their interest in helping me with my mortgage. It took me quite awhile, but recently I finally got back on my feet financially and desperately work with them. I am very afraid that Loan Depot isnt willing to help me and is taking me through the foreclosure process instead. I would really like to see if your organization would be able to take a look at how they are treating me and to see if there is something that can be done to help me with my mortgage.
I didn't receive bills in mail, never got a card, and they had wrong address, i checked my score, seen the late payments, i called immediately & payed off the full balance with the promise they'll remove late payment credit reports im XXXX and understand the true value of my credit and do not wish to jeopardize it in any way. 

i appreciate any and all assistance
This said collector was suppose to have removed my account from all 3 credit reporting agencies and still have not done so.
I received a bill from XXXX XXXX for in XX/XX/XXXX. I have have had a XXXX XXXX card for 12 years. I had not used the XXXX XXXX Card since XX/XX/XXXX because I was using an XXXX   Credit Card for all purchases under the XXXX Brand. 

I reviewed the charge and called Customer Service to report a fraudulent charge and request new cards. They took my information and mailed new cards. I then began receiving phone calls saying that my account was overdue. When I tried to access the account it reported a zero balance. 


I then called customer service to report this. They said that there had been a mistake and I never should have received collection calls. And that my account was still under review. 

I then received another bill iwth interest and fee charges attached to the initial charge. 
When I called customer service and complained that I had requested the charge be reviewed she said that they were going to continue to charge my card fees in case I was lying about the charge. Since then I have been receiving collection calls 10 times a day about this fraudulent unresolved charge. I have heard nothing from XXXX XXXX. I have a balance on My XXXX card that will be transferred and I will never shop at a XXXX XXXX store again. Help!!!!!!
My home was foreclosed illegally by Bank of America XX/XX/XXXX. I had requested a short sale, and modification. The papers for the modification were sent to me to send back but the foreclosure was done before the date to return the forms. Squatters had taken my home and refused to move out. I reported the squatters to B of A. They refused to do anything. I called the bank more than XXXX times trying to advise them of the squatters. The house was foreclosed and legal action was taken against me to get the squatters out. I have eviction actions on my name at the court house and I did not receive any notifications of the actions taken. I have just recently seen all the legal actions processed in my name when I was denied another credit rental action. The squatters moved into my home in XX/XX/XXXX and stayed there until XXXX or XX/XX/XXXX. I asked the police to evict them. They refused because Bank of America said it was their house and it was their responsibility to get them out and not mine. The squatters damaged the home. They stole all of the copper and the air conditioning unit. The house was infected with roaches and holes were in the walls. I have been charged with all the damage and my credit record is showing evictions I was not responsible for. I had processed a change of address but did not receive any notifications. I had requested assistance but the different depts. were not letting each other know what they were doing. My modification was being processed the same time the foreclosure was being processed. I called the attorney for B of A and was told the foreclosure was sealed. I called B of A and was told my short sale was possible and another dept had me set up for the modification and I lost m house on XX/XX/XXXX. What can I do? The process was illegal.
It has come to my attention that a deposit issue with another financial institution has caused an unfortunate chain of events resulting in a mortgage payment due to Chase becoming past due. Chase has since reported my mortgage loan as being once 30-59 days late and then also secondly as being & gt ; 60 days late. In contacting Chase, I was transferred around to several agents before finally being told that my only option was " to just move forward. '' This is neither a resolution nor an acceptable form of customer service. First, the time between my due date and the date that I recognized and rectified this issue by satisfying my current amount due was not greater than 60 days. I have never been greater than 60 days past due on my loan with Chase, and I am fully requesting that this credit mark be reviewed and removed promptly as inaccurate. Secondly, as a customer of Chase, I do not feel like they have any interest in assisting me in this matter regarding my mortgage payment falling past due. They were not interested in hearing any details from me in regard to my transactional issue with the other institution that subsequently caused this late payment. They did not wish to take into account my mortgage payment history with their institution and instead chose to ignore that I have never been late on any payment in my entire credit history, with Chase or any other institution. I also question Chase 's interest in even informing me as their customer that my payment had been missed. I was never notified by Chase by phone, in writing, or even by a simple automated notice that my payment was delinquent, until I received a formal notice about my options regarding avoiding foreclosure of my home. I am requesting the following pieces of information from Chase : 1 ) I would like for Chase to formally explain to me their general policies and procedures for contacting mortgage customers when their payments are past due. 2 ) Within the policies and procedures of Chase, I would like to know when Chase begins to make initial contact attempts with their customers that are past due on mortgage loans. 3 ) I would like for Chase to formally explain to me why my account was excluded from any early-stage delinquency contact attempts. 4 ) If it is within the policies and procedures of Chase to contact other mortgage account holders by any means at a date earlier than I was notified about my particular account, I would like for Chase to formally explain why my account has received disparate treatment. Lastly, I understand that the original issue that caused my payment delinquency is not the responsibility of Chase, but I would wish for Chase to review my description of what caused the late payment, review my previously good standing credit history with Chase, and please reconsider their stance on removing the 30-59 day late credit mark as well due to this customer service issue.
XXXX XXXX XXXX  for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails XXXX refused to block XXXX XXXX XXXX  account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report
In XX/XX/2018 I submitted a dispute for charges I was wrongfully charged. The results of the investigation were unsatisfactory. I then submitted a second time along with a handwritten letter explaining in detail what happened as well as my information to contact me back if there was anything else needed to complete this dispute. I sent this information a total of 3 times over the period of a couple of months with no reasonable explanation of my situation. So I then started sending messages to them explaining to review the information I have sent in multiple times already. The replies back from them were to resend everything again. Unfortunately I do not have copies of the details of my dispute but the claims department does. So I called one last time desperately seeking a resolution to this issue and the department that handles these dispute claims are not available to speak with nor would the credit card company contact them on my behalf. I finally canceled the credit card which I did not want to do because of the unsatisfactory customer service I received. I feel very disappointed that my credit card company would not help me out in a situation that I went above and beyond to get the matter resolved in a timely fashion with no satisfactory results. I was very loyal and only used this card as well as every payment I made was on time.
My purse was stolen a few years back with all my personal indentification and other belonging inside of it. As a result I believe this account was opened because I had no idea of the account until one day when a package came that was returned to the post office to send back to sender. I called XXXX 's multiple times informing them of the inaccuracies and the rep mentioned that I would still be responsible for the shipping and late fees which I refuse to pay being that the account was fraudulent opened and their merchandise was returned. I have a police report to prove my purse being stolen causing identifying theft to be possible.
credit report agency is not reporting positive credit that i have had since XXXX from dollar bank also i have been to XXXX XXXX and XXXX banks and no one can see or obtain a credit score what was mailed to me from transunion was a fair score but inaccurate it should be slightly higher if positive credit was being reported then in return i could refinance my home and purchase a new car in that order.
Citibank is charging me a " RETURN CHECK '' fee of {$25.00} for an automatic payment that was rejected by my primary bank. 

I have accepted the late payment fee of {$30.00}, which is in itself outrageous, but I refuse to pay the Return Check fee for a check that was never sent to my primary bank in the fist place. When I called Citibank and ask for a copy of the check in question they refused to send it to me and the representative also refused to give me their legal department 's contact information. Banks no longer send checks to each other, this is a rip off and should be ILLEGAL. 

Citibank is a company with a long history of deceptive practices and, after paying millions to customers in refunds, they continue to scam and rip off its customers to this day. 

Back in 2015 the CFPB ordered Citibank , N.A . and some of its subsidiaries to refund nearly {$700.00} million to customers for unfairly billing consumers for credit card add-on products, deceptively marketing those products, and deceptive collection practices.
I have lodged disputes with XXXX and Wells Fargo with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law.  Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, and followed up in XX/XX/XXXX.
I refinanced on my first mortgage with Wells Fargo, and closed on a Heloc at the same time. I was supposed to get a XXXX draw on my line of credit at closing, however as the weeks passed and the draw never made it to me, Wells realized they made an error and somehow posted the XXXX to pay down the balance on my first lien. After the loan funded, and I confirmed the XXXX was in route to me, I took out a loan with XXXX ( as that was the whole premise of getting a Heloc, due to needed home repairs ). Wells has admitted many times over the last XXXX weeks ( XXXX weeks since closing ), this was their error due to a new system and the Heloc and first mortgage department not working well together, and that they would " make it right and refund the XXXX ''. I am now being told just because I live in Texas they ca n't make it right, and I am now out the XXXX. I was also told I needed to make the payment on the Heloc as of XXXX otherwise my credit would be impaired. I made that payment, however I am now paying on a Heloc payment I did n't receive, at a higher interest rate than my first mortgage. This makes XXXX sense, and Wells Fargo needs to figure out a way to right the wrong. I should n't be penalized because of living in Texas, even if this means they write a check to me for XXXX, write off my Heloc so I can apply for a new one or pay off my XXXX 's account. It 's been XXXX weeks and no one seems to be giving me updates. I asked if I needed to get an Attorney, or lodge a formal complaint and was told they handled that for me. This is a large problem. I XXXX and know that if a mistake is made, it has to be fixed. I do n't care that my first was paid down, that was n't the point of spending XXXX painful months working on a refinance with Wells.
Commenity Bank purposely uses an " unknown '' number to harass people. They call starting XXXX, and they call nonstop throughout the day. I can not block them because they use a private number deliberately. 
They also try not to identify themselves on the phone so as to " trick '' the customer into identifying themselves first.Their business practices are harassing and unethical, and they need to be put out of business. 
I do not owe the money they are calling me about, and they have not even contacted me by mail so that I can properly dispute the bill.
XX/XX/XXXX, I submitted the information/dispute below through your office and included supporting documentation (case #XXXX) due to an error on my XXXX Report.  They favorable resolved the issue.  Thank You!  However, I just discovered that EXPERIAN is reporting the erroneous information.  As a result, I sent them the supporting documentation and even referenced this case.  However, they refuse to remove the information and they informed me that it was verified years ago.  I gave them the name of the state representative, just as I did here and the name of the Clerk of Superior Court in XXXX (original attachments).  Yet, they still refuse to remove the file.  Please help!!

FROM THE ORIGINAL COMPLAINT:
While attempting to obtain credit, I learned that I had a state lien on my credit file for unpaid taxes as a result of an out of state vehicle purchase.  After working with the state agent (XXXX) and resolving the matter, it was determined that the amount was incorrect and that taxes had actually been included in the loan.  However, it was not enough and not appropriately applied.  At the same time, I was unaware of this fact.  Thus, the state made the correction by altering the amount, updating the file and correcting the error.  Thus, I paid the corrected difference.  However, the original amount shown on my credit file as a paid debt.  I visited my local tax office, for they are aware of the amount paid, etc. and was informed by the tax office (XXXX) that they did not report the information.  A third party apparently sold it to the bureau and they are reporting it inaccurately.  I have disputed the entry and supplied supporting documents.  However, the credit bureau refuses to remove the inaccurate information.  
I want all of the information related to this entry removed.
The attached Public Record is from XXXX.  I'd like to ensure that it doesn't appear on any of the credit reporting bureau files.
I am so disgusted with XXXX XXXX.

I have paid them money and used their service as a tool to repair my credit.

They report today that my score is XXXX.

So I went to try and get a car. My score is XXXX pulled by XXXX XXXX XXXX.

Why are they so misleading? I am absolutely appalled. This is not best business practices and it is horrid for the consumer. How is there over a 100 point swing in the score.
Conformation # XXXX I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that  i have disputed. please resolve this manner as soon as possible. Thank You