WillisBack/dataset-financial-user-claim huggingface dataset:
please refer to complaint No. XXXX XXXX XXXX v Capital one ( credit card ) my complaint is about Capital One, due to theirs abusive collections activities, in XXXX when my funds run out after a bank robbery that happened at work I happened to be the Branch Manager which by the way my employer has not taken responsibility for the incident. and after I explained the situation to capitol one, they promise to work with me ( but capitol one was demanding money that I didn't have ) I keep communication with the rep who was calling me and sideling I was sue. 
I have copy and paste the activity with the XXXX County Metropolitan Court, I also feel that the process was misleading due to how I was served documents, I have attached a file for your review ( Capitol one sent documents that were not file with the court ) please compare to what is was sent in the complaint number above. 
after these experience I learned that Capital One intentionally sent documents that weren't file with court causing me to believe it was too late to do anything for example after getting documents about a judgement, about a deposition, and when I called the court the court refer me to the law office ( left many voice mails without getting a call back } the law office who is listed as representing capitol one would not speak to me to give me information it almost felt like they had no intensions of working with me for example I spent a lot time calling them to make payments arrangements even after the judgment by error I was transfer to the attorney where he was obligated to transfer me to the gentlemen who is handling my case ( when made payments arrangements I was promise in writing about the payments arrangements I have not received anything and again I keep leaving voice mails never gotten a call back ) and by the way I have being making payments on this account, but none of the payments are being reported to credit report. 
I ALSO WANT TO ADD THE EVENT AFTER THE JUDGEMENT ON XX/XX/XXXX. CAPITAL ONE FILE A ABSTRACT JUDJUMENT WITH THE XXXX COUNTY ON OR ABOUT XX/XX/XXXX, in addition I RECEIVED DOCUMENTS FOR A DEPOSITION SCHEDULE WITH XXXX  XXXX XXXX, ( XX/XX/XXXX ) I FEEL THIS PROCESS IS VERY ABUSED FOR A CREDITCARD I FEEL THERE IS MORE TO THIS .... I ALSO FEEL THAT MY PRIVACY HAS BEEN CONPROMISE AND THE CAPITPOL CONTINUES TO SHARE MY PERSONAL INFORMATION INCLUDING XXXX  XXXX XXXX WHO HAD MY MORTGAGE LOAN.
I XXXX XXXX XXXX ( Married name ) opened a Credit Card with XXXX  XXXX XXXX with a credit line of {$800.00} on XX/XX/XXXX as XXXX XXXX ( Single Name ) because of lack of communication at the branch where i opened since i didn't speak XXXX neither XXXX which the XXXX  XXXX XXXX associate spoke, i didn't make payments on time, so it went for collection. 
But i never refused to pay for my debt, i just refused to pay the outrageous bank over fees, so as it went for collection i negotiated with the collection agency and Settled the balance in Full. 
Also i want to report XXXX  XXXX XXXX for fraudulently using my married Name to report on my new social Security name that i obtained after my marriage privilege that gave me a status of obtaining a social security number which i didn't have any when i opened this account on XX/XX/XXXX as a Single Lady. 
My Social Security Number only got issued this year on XX/XX/XXXX. 
I am not neglecting to pay any legal amount that i owe, So only what i owed, i paid and settled in Full. 
The Representative at XXXX XXXX XXXX told me that i didn't have to make any payment on this credit card till after 8 months of opening it. 
I invest my money oversees in Banks so i totally understand how horrible fees can be if not managed properly. 
I could even file a Consumer Law Action about this but i rather seek for my rights with Consumer Financial Protection Bureau. 
So i Hope this finds a good hearted person to help me dispute this from my credit correctly. 

Thank you so Much. 
Kind regards XXXX XXXX XXXX.
Didnt apply for the internet payday loan from Multi Loan Source and its on my credit report and i can not get off my report
Had about XXXX  personal credit cards, 4 were Chase personal credit cards. Applied for the Chase Hyatt credit card on XX/XX/18. Without any warning, all my chase credit cards were shut down a few days after. This is immediately right after I paid the {$450.00} annual fee on my Chase Sapphire Reserve card ; Chase reps stated my refund would be eventually refunded. All of the spend on Chase CCs was organic spend. Called Chase, but got moved around from rep to rep. Finally, was able to submit an appeal for my shutdown ... will hear back in 7-10 business days.
I was the victim of identity theft in XX/XX/2018. I placed 90 day fraud alerts at all three credit reporting agencies. I then attempted to place credit freezes at all three credit reporting agencies. With XXXX and XXXX  there was no problem and they allowed me to set the freeze and obtain a pin. With Experian after multiple attempts to do online freeze I have been unsuccessful. So I complied with request to send ALL of my personal data through the mail to them. That was 7 weeks ago and I have heard nothing from them. I have attempted to call them at all listed numbers but after going through their phone tree and giving my name, address, SS #, age, etc I am told they can not help me on the phone. I am not sure what to do or who to contact. I need this credit freeze placed but seem to be blocked from doing so by Experian. Their refusal to allow any contact with consumers seems quite abusive given that they have all of our information and huge control over our lives without our express consent. I am asking you to help me find a way to obtain the freeze with Experian. 
Thank you.
First hertiage Credit is worst company to due bussiness with..My loan be current and they be calling my phone back to back and it do n't even be near 30 days late..My fiance has a loan with them also and he will pay my bill sumtime and they be telling him what I owe and to pay more ... And threatened me to report to the credit bureau and my loan was n't even late ... I will never do business with them again.
I have had some fraudulent issues on my direct express card. I have filed disputes and they claim no error am has occurred. For orders returned and not refunded they still claim no error has occurred. They have claimed I did n't send paper work. But a dispute rep has read off what I put on the the dispute forms. They are refusing helping me get my money back. It is n't a few dollars. This is over XXXX
I had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts military clothing limit XXXX Take Home today limit approx XXXX Normal Credit Cart XXXX in went into collections in 2013 since then I have had my income tax garnished approx XXXX, my military pay garnished approx XXXX, I recently paid {$1000.00} dollars in XX/XX/XXXX, and will pay XXXX more this month. However the balance is XXXX dollars, my attempts to get them to explain how the number is so large i.e. where are my payments have not been successful. I was told I would have to wait for a letter 45 days to explain the payments I made and the debt I owe. It seems that the balanced should be much less than the current amount.
I opened a Target REDcard managed by TD Bank in XX/XX/XXXX. This week ( the week of XX/XX/XXXX ) they closed my account due to 18 months of inactivity. I called, and they refused to re-instate the account. However, I reviewed my Account Agreement, and there is no language regarding inactivity in the Agreement. TD Bank should be required to re-instate my account because of the language in the contract that they themselves wrote.
My XXXX XXXX XXXX student loans have defaulted and I am trying to find repayment options. The company that is processing them Foster, Garbus & Garbus are not giving me all of the information I need to proceed in resolving this debt. 
Here are the following complaints:1. I have asked for proof of my loan and they have not provided it and said that legal papers they sent me should serve as proof. 
2. They do not own the loan - XXXX XXXX still owns the loan. 
3. A fair repayment plan can not be accommodated, with adequate tracking of my payments and the balances. 
3. They are providing misinformation. I have read that after 9 months of a loan being in good standing ( with monthly on-time payments ) that it can then enter a rehabilitation plan - they advised that rehabilitation no longer applies to me. 

In summation, I want to reach a fair conclusion in being able to pay off the debt monthly without it crippling my future ( employment, marriage and renting/purchasing a home ).
They are calling my job, a line that is for employees only and that I imagine somehow they got ahold of the number. I have never provided anyone with that private number. I reversed the phone number they left for me to call back with XXXX of my peers, and they seem to be a bill collector for Navient ; in spite of the fact that I have already told them not to call, they keep on doing it. They call from a local number, but when they leave messages with my peers they leave a toll free number. My peers are not there to take my personal messages, especially when I never provided anyone with that number. Except for telling them that they can not call there anymore, I have never had any other conversations with them. They are interfering with my job 's operation, putting my job at risk by calling numerous times and even speaking to my coworkers and telling them they want to help me. My employer is very strict and every minute counts. We are not allowed personal calls. I feel harassed, upset an embarrased at what they are making me go through at my job.
DETAILED INFORMATION IS DOCUMENTED IN THE CHRONOLOGICAL TIME LINE OF EVENTS. 
I am writing this statement to lay out facts and circumstances surrounding the UNAUTHORIZED/FRAUDULENT withdrawal of funds from my personal accounts at U. S. Bank, by XXXX XXXX ( caretaker ). I filed the first claim in XX/XX/XXXX. US Bank approved and paid the claim in the amount of {$1300.00}. I was told to go through all Bank statements going back to when XXXX had moved in in XX/XX/XXXX. I had to order some of them through the fraud department. 
I discovered unauthorized/fraudulent withdrawals from my personal accounts in the amount of {$36000.00}, which began in XX/XX/XXXX. I filed the police report and claim with US Bank. The US Bank branch in XXXX XXXX faxed the claim to the fraud department. I called numerous times about claim and received no response. I finally talked to a man named XXXX in the fraud department who stated he was a supervisor. He said the claim had been approved on XX/XX/XXXX and the funds would be back in my account XX/XX/XXXX. He then told me that if there was more fraudulent/unauthorized actions on my account to fax them to him so that they also could be paid. He then gave me his fax # XXXX. The money was not deposited in the account XX/XX/XXXX. I then called the fraud department again a few days later and asked for XXXX. They said there was nobody by that name that worked there. I was then told that they had never received the claim. I went back to the branch and had them resend it. It was turned over to XXXX in the fraud department. She denied the whole claim on XX/XX/XXXX. How can they pay one part of a claim and deny the other under the same circumstances?
On XX/XX/XXXX, I sent Santander Consumer a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that Santander Consumer, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.
XXXX 2016 I put in a claim with my financial institution where I purchased XXXX iPad mini gold XXXX from XXXX it was delivered and I did n't receive it. Went Through the proper procedure in filing a claim only for my financial institution to ignore my claim. I 've reached out to them numerous of times in regards to the claim and they still ca n't provide me with an update. I contacted the consumer finance in regards to the issue and they reach out to a bank but it was the wrong bank but XXXX reached out to US direct Express which they are the institution that works with my card concerning the issue and have n't heard anything back from them. A representative contacted me from us direct express and looked into my claim with consumer finance as well as the claim I had on file pertaining to my account and said he 's denying my claim a year after I put my claim in because I have a claim with XXXX the carrier of course I explained to the representative XXXX that I dnt have a claim with XXXX and the case number I provided was case number that 's linked to delivery inquiry that was made with XXXX. Me as the receiver could n't file a claim because the merchant is who could file the claim not me and I explained that to XXXX only for him to ignore me and still state that I have a claim on file only shows me that my financial institution never investigated my claim because if they did when they contacted XXXX the carrier XXXX would 've provided them with the same information they given me a year ago and I also contacted XXXX after speaking to XXXX XXXX and a representative from XXXX confirmed my story about the delivery inquiry so that shows me they never investigated.
I filed for a loan mod in XXXX XXXX. XXXX XXXX XXXX I was informed they did n't have enough time to get the documents into underwriting. XXXX XXXX XXXX was the scheduled auction date on my home, so I filed BK chapter XXXX to save my home. If XXXX XXXX I did a chapter XXXX conversion to chapter XXXX. The bank went back to the court to have the stay lifted, on the grounds that I was 15 payments behind. That was not true, but I did n't have the necessary evidence with me to prove that. I have a payment history report from Nationstar Mortgage XXXX TX showing the payments and the date they were received. They charged me an enormous amount in interest when my note says not to exceed 4 %. They proceeded with foreclosure because the courts lifted the stay.
I moved back to GA in 2014 and discovered I had several items on my credit file that I did not authorize. I immediately filed a police report in XXXX XXXX Ga. I called the XXXX credit bureaus where my files are located and added a fraud alert. Over the years I have been able to get most things removed from XXXX and XXXX but Equifax for some reason has been giving me the run around. Stating all my information has come back as verified yet they can not produce to me any information such as my signature to validate their investigation. I am an XXXX veteran and I defended my country proudly for 7 years yet I feel like the enemy when it comes to Equifax. I am in the process of rebuilding my credit and it is very difficult to do with all the fraudulent inquiries that 's are being held on my report by Equifax.
My card was fraudulently used for over XXXX worth of transactions without my consent. I opened a dispute with Eppicard on XX/XX/2016. I was advised upon signing and returning the affidavit by XX/XX/2016, that I would receive provisional credit/refund of all charges while the company investigated issue. The company XXXX mailed affidavit to the wrong address, the had to re-maill to me. I mailed the completed affidavit on XX/XX/2016 in which I was told it had yet to be received. Upon speaking with XXXX more customer reps & XXXX level XXXX reps I was advised to fax in affidavit just to be sure it was received by XX/XX/2016. I faxed the paperwork to the # provided by each rep & received confirmation receipt. I then called on XX/XX/2016 and was told by a Rep named XXXX that faxes are not accepted & that I would not be refunded. I then spoke with a XXXX whom stared that faxes are acceptable however they will not refund due faxes take up to 48hrs to process & that will put the paperwork received after XXXX/XXXX/16. I asked her about being escalated to a supervisor or higher up, she refused. I then asked her what can I do to get my money back seeing as I 've done everything I was advised to. XXXX told me I can just wait it out to see if they investigate or get a lawyer & file suit. This card is for my children ( child support ) & eppicards process is completely unacceptable & inconsiderate. The employees are rude and they never seem to give the same or accurate information.
I co-leased a vehicle on XXXX/XXXX/2015 with my husband who 's in the military ( 2015 GMC Acadia VIN # XXXX ). The dealership gave us false information about being able to ship a vehicle if given military XXXX. After 15 days of leasing the vehicle we received military XXXX and was able to return the vehicle and received a full refund from XXXX XXXX XXXX in the amount of {$1500.00}. We opened a case with GM financial ( Case # XXXX ) and was able to get the full refund due to the negligence, misleading information and law that Service Members Civil Relief Act outlines in Section 305. 
I called GMC Financial @ XXXX and was referred to the City of XXXX XXXX to get this resolved. I then called the City of XXXX XXXX Treasury office @ XXXX and was told they did not report anything to GM Financial as they do n't have me owing anything to them. I then called GM Financial back and ca n't get a hold of anyone. I 've left multiple messages for the GM Financial recovery department @ XXXX and have not received a call back. 
I now have XXXX reports on my credit report stating I 'm late on payments which has decreased my credit score. I am getting the runaround from GM Financial and no resolution has been given. I 'm currently XXXX and contacting GM Financial requires me to stay up late, as their hours of operation are during sleeping hours here. I need GM Financial to do their due diligence to ensure my credit report is cleared of any negative reports stating I 'm late on payments and comply with the Service Member Civil Relief Act which also covers dependents.
Mother passed away XX/XX/XXXX, Father assumed mortgage on home. He passed away XX/XX/XXXX, and his left his friend in the home. I was just made aware the house was still in my mothers name alone, and the person living in the house was not making payments. The house is up for foreclosure and I have tried to contact the mortgage company and they refuse to talk with me even though my brother and me are the only heirs to her estate. An estate was not open XX/XX/XXXX on her due to the fact our father was still alive. I 'm trying to get belonging out of the home and possible save it from foreclosure if they would talk with me.
Hello I had inquiries removed from trans union and they were put back on making my credit score go down. They admit to a glitch in their system but yet continue to say I was n't affected by it. I asked to be transfered to special handling US department but was refused. The operator kept telling me they could n't transfer me. So then I proceeded to ask for direct number to special handling and was told they did n't have the number, after acknowledging they do have special handling. They refuse to give me any answers and then I was told the call was being terminated. I attempted calling 3 times today alone, I just want answer
This is regarding CFPB # 's XXXX and XXXX. I am attaching the first XXXX pages of the approved loan adjustment agreement ( Loan Modification Papers ) that I received from XXXX on Thursday XX/XX/XXXX. I had just wrote to you last Saturday, XX/XX/XXXX regarding another issue with Bayview loan not crediting my account where they have admitted fault on wrongfully foreclosing and adding a plethora of charges and fees to my loan regarding the wrongful foreclosure These have yet to be corrected and I have now asked 3 times to no avail. I received a call from a XXXX in the Customer Advocacy Team Department saying they were in receipt of the CFPB letter and assured me that 1 ) I would be receiving an answer on my loan modification, 2 ) the current foreclosure ( XXXX XXXX ) auction date of XX/XX/XXXX is ON HOLD, and 3 ) that I would receive a letter explaining the credit ( s ) to my account where Bayview 's errors from the wrongful foreclosure and any other fees/charges were put on my account and also regarding my NOE letter from XX/XX/XXXX. On Thursday XX/XX/XXXX, I received the loan modification papers from XXXX. I was approved. However, I was n't happy because NO credit of ANY TYPE is included to adjust the amount owed to Bayview. I called XXXX to let him know this. XXXX told me XXXX was unavailable and XXXX said XXXX only was letting me know that my letter from CFPB was received and if I had any other issues. I told her I need to talk to him regarding our conversation she said I have to talk to XXXX XXXX. I called XXXX to let him know the credits are not included on the loan modification papers. XXXX tells me I will have to write a letter to the Bankruptcy department but send to his attention regarding my credits not showing. I asked why do I have to write ANOTHER letter when I have been waiting since XX/XX/XXXX for these credits to appear and for Bayview to rectify this entire mess. I said I have written 3 letters regarding my credits as it is. I asked if I could please talk to the bankruptcy department. XXXX said he can not put me through to that department but that we have time and sarcastically ( as he usually is! ) said you said that XXXX said the foreclosure is on hold, did n't you? Why do n't you have XXXX call me ( this is the realtor that I was trying to see about selling my home that said he would help me with my loan modification to make sure it goes smooth, he would have to charge me XXXX and took a check for XXXX from me - all he has done is had me sign a paper stating I am allowing him to talk to XXXX XXXX and has called XXXX about three times - NOT HAPPY WITH " XXXX XXXX XXXX ''. continued on # XXXX of this form on " My Information ''
I attempted to purchase baseball tickets advertised through XXXX. The purported seller contacted me via email and text, including instructions on sending payment through Moneygram. Long story short, she claimed the {$1400.00} I sent her, disappeared, and never sent the tickets.
XXXX XXXX # XXXX {$600.00} No contract with creditor you have already had this removed and it reapperared as same account under new name. 
Unauthorized inquiry XXXX XXXX V/S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX