WillisBack/dataset-financial-user-claim huggingface dataset:
My Capital One credit card has been placed into " Account Restricted '' status for over a week. Capital one had no good reason for initially putting the account into the status, and has refused to remove it. When I initially called the fraud department to discuss the matter on XXXX/XXXX/2016, the fraud specialist wanted to verify some balance transfers that I requested. We were able to verify that no problem. 

However, that is when the problem started. They wanted to verify two payments I had made from XXXX separate checking accounts on XX/XX/XXXX and XX/XX/XXXX. We had to conference call each credit union to verify that the funds have cleared. For the payment on XX/XX/XXXX, we were able to do that without a problem. Unfortunately, the credit union that I made the payment from on XX/XX/XXXX does not verify information over the phone for account security. They suggested that capital one fax in a request for information and they would respond by fax. Capital One indicated this was not acceptable. Instead, the fraud agent asked me to send in a copy of a recent statement from the checking account. I provided that information to capital one, and called back a few days later. They said that the information was insufficient to remove the restriction and I had to provide transaction details showing that the payment cleared from the checking account. I did that, and capital one said that was not sufficient to remove the restriction. I also provided a letter from the bank indicating that I owned the checking account in question ( the letter had my name, my address, and the checking account number and was signed by a bank officer ). That was also not sufficient to remove the restriction. 

Capital One 's payment verification system is incredibly stupid. Their employees continuously blame me because the credit union wo n't give out information over the phone. At no time prior to the payment being made did Capital One indicate that this type of verification would be needed to accept an ach payment from a checking account. Moreover, they are unwilling to return the payment and let me replace the payment from a different bank that they can verify. In fact, I sent in bill payments while the account has been frozen with the hope that would be sufficient for Capital One. It was not, and there is now a large credit balance on the account. I have never had a payment returned, or been late with a payment on this account. Capital One had no good reason to initially put the account under review. They said something about my protection, which is a complete lie. Mind you, the payment in question was made about 3 weeks ago. The payment has not been returned and Capital One refuses to release the account restriction or tell me what exactly they need to do so. This behavior should be illegal ; as it is unethical for the company to treat me like a criminal despite having no returned payments or late payments on my account.
In XXXX 2015, I applied for a short sale with Ocwen by submitting a Request for Mortgage Assistance and filing a hardship affidavit. In XX/XX/XXXX, I was approved and put on Ocwen 's " Assisted Short Sale '' program in which they listed my house on an auction site ( XXXX ). They set the reserve price and it was met and a buyer was secured XX/XX/XXXX. Since then, Ocwen has repeatedly asked me and my realtor for paperwork and the same information on multiple occasions. It seems that they wait until right before the closing date to decide they want more paperwork so as to delay approval. My realtor and I keep sending them what they request, but we keep having to move out the closing date. When I filed my hardship affidavit in XX/XX/XXXX, I stated that I would probably be out of funds to be able to pay for the mortgage by XX/XX/XXXX/XX/XX/2015. I struggled to keep paying until XX/XX/XXXX, but now have had to miss two payments because of the bank 's delay in approving my short sale.
I have filed numerous times to get these removed. They do get removed and then the Collection agency puts them right back on. What 's worse, this is an unlicensed collection agency. Evidently, XXXX does not require licensing, but in order to collect debt in the state of XXXX, a collection agency must first be licensed in XXXX. I believe this company to unscrupulous. Today while pouring over paperwork I realized the original debtor being claimed is wrong. The account we paid in full is being reported as completely different company in an effort to retrieve monies not owed to them.. I believe this to be fraud, or am I wrong? My husband and I paid this debt in full and the debtor listed with the collection agency is wrong. I have sent a legal request for documentation in writing, but I doubt I will receive a response. They can not produce what does not exist. I stand by my claim that this is fraudulent activity on the part of the collection agency and their client. Our agreement was with XXXX of XXXX, not XXXX. I 'm getting older and it 's hard to keep track of names after awhile, but I eventually I get there and remember.
To whom it may concern, today is XX/XX/XXXX. Yesterday I received a dispute response from XXXX which really has me baffled and concerned about my credit report and how to keep it fit for the economy and country that I live in, the United States of America. 
In XX/XX/XXXX, XXXX added a delinquent mortgage account to my credit report. An account for a home that my ex-spouse resides. In the last two months the other two reporting agencies have added the default mortgage as well. My ex asked for the home in our divorce ( XXXX ) and was granted the home in writing by the judge of our divorce proceeding. He did not have my name removed or made any other attempts to show that he no longer wanted me to have a part of the home. He faulted on the VA loan and hasn't made any payments on the loan in almost four years. 

XX/XX/XXXX, he filed bankruptcy, which means he isn't responsible for payments, and can not be solicited for the payments, but I am. He lives in the home with his family, not me. I spoke to the newest mortgage company, XXXXXXXX XXXX XXXXXXXX, and asked them to foreclose the home or put it on the market for sale if I am the new responsible party because they will not adhere to the decree. The did not, and they also denied his paperwork for a modification for the loan and so did XXXX XXXX XXXX XXXX, the original owners. The first choice for them is to wait on me to make a payment and for him to live in the home for free. I will not pay a mortgage for a home that I do not reside. XXXX attempted to insert me into his loan modification in XXXX but he told me not to worry about it. I learned that I was to sign a quick deed, which did not alleviate me of financial responsibility anyway. All in all, it would've gotten payments made if they had accepted his paperwork. I am not sure the specifics to that issue. 

Then I am told that the rules for foreclosure have to be met per the state 's requirements. Well how many rules and laws does it take to understand that the house is not free and the mortgage is due? Virginia needs to get it together. These mortgage companies who are not listening to what is being said should also get it together. 

The home was purchased in XXXX and costs more now than it did when it was purchased, he is currently {$140000.00} in arrears. That's about a fourth of the cost of the home.. If you can live for free then there is no incentive to pay the mortgage! At the same time, permission is not needed to make a payment. He could have been making payments all this time with or without a modification. Its not like the mortgage company will return the checks, or will they? 

I am writing to ask that XXXX XXXX remove this home from my credit report, all three, and give him a payment plan for the mortgage or foreclose/sale the home immediately. XXXX should also place a valid phone number on the credit reports.I would also like the credit reporting agencies to delete " remove per divorce decree '' as an option for a dispute if the decree is not sufficient or will not be upheld once provided.
XXXX XXXX XXXX I was informed by email that my bank had excessive ATM withdrawal and Check deposits. They needed to call me and talk. ( ( Mind you all this happened in a time frame that I was sleeping and not realizing what was going on. ) ) When I called I was asked about it all and of course I was shocked.
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Not only had someone gotten into my bank account, but they had also deposited a check and taken part of that.
I get the scams. I 've read up on them now, and I can see why USAA would accuse me.
But after years of being with them and never having this happen ... Its crazy.
I am living in XXXX and the situation happened in XXXX. It physically, within the time I was seen here and when it happened, could not happen.
I was in church Sunday from XXXX XXXX XXXX, and saw my XXXX XXXX at XXXX on Monday, and I was at work by XXXX XXXX Tuesday morning. By XXXX XXXX that Tuesday I was headed to the VA office.
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I most certainly can get written statements from everyone if they want that.
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I did n't do this. I would never drain my account and scam myself. I do n't even have anything to do with XXXX XXXX. I 'm not that XXXX, nor did I need money.
I have great credit and not only take that seriously but I have always had a clean account and good standing with USAA.
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At first they flat out asked me if I deposited a check for that amount.
I was so frustrated and humiliated by it I actually took offence to it.
They said Id be responsible for the Fraud check balance. ok ....?
I NEVER ERCIEVED A CHECK!! I never even had a check in my hands. Someone else did all this and I 'm getting blamed. Its one of those freak incidents and yeah I 'm just as baffled by it.
Again they did n't and do n't believe me or get it.
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Today is XXXX XXXX XXXX and I got an email, ( no call or anything personal to let you now they actually tried ), and I was being held responsible for every penny. XXXX dollars.
So everything they had credited to my account considering what happened, they say they 're taking back. Not only the scammed check, but every penny that was mine.
Everything to my name.
Someone scammed me, and the bank is telling me I did it. I 'm left penniless and I 'm scared.
So if it happens again, I 'll get blamed. Again.
Do you think I want to keep banking with them after this?
On Monday XXXX/XXXX/XXXX a very rude lady called me and refused to identify herself or the company from which she was calling from. I told her that since she refused to identify herself then she was to cease and desist from calling forever. She then hung up on me. Later that evening another lady called ( XXXX XXXX ) to which I asked to speak to her manager. She went on to blurt out information about a debt she claims I owe with out confirming I was the person she was looking for. I demanded to talk to a manager. I got XXXX # XXXX who refused her full name. I told her that I requested no more calls from this agency and she was very rude and claimed I never told them that earlier that day. I advised her this was a cell phone she was calling with out permission and ended call. I continue to get multiple calls from this agency daily. Phone numbers are below : XXXX.
I had an XXXX Store card from XXXX XXXX and I spent couple thousands dollars per month, and always pay on time. I accumulated couple hundreds of cash rewards without using them yet. Suddenly, they closed my account due to some technical glitch which is not my fault. I lost all my unused rewards, and I suspect that that is their way to make more profit by not paying the reward. Look at the bad review at XXXX XXXX XXXX where people complain about the same issue. 

I called them multiple times, and they kept transferring me to different department saying that they will transfer me to their manager and then the phone got dropped.
Several years ago I enrolled in automatic payments and unfortunately did n't do my due diligence on following up with the loan provider. Logging in our account and seeing were our money has gone has been incredibly devastating. I am a XXXX and graduated from a college that is now closed. 

School : XXXX ( now closed ) Loans : XXXX {$28000.00}, and XXXX {$22000.00} TOTAL AMOUNT : {$50000.00} Payments started XXXX, with the first payment being {$25000.00}. It was NOT applied toward the principal balance XXXX Automatic monthly payments of {$240.00} were setup XXXX/XXXX/XXXX payments increased to {$250.00} XXXX/XXXX/XXXX payments increased to {$280.00} Since XXXX/XXXX/XXXX Navient has been charging LATE FEES ranging from {$13.00} - {$30.00} even though I am enrolled in automatic payments. 
95 % of payments have been applied towards INTEREST and FEES. 

The loan reflects a XXXX % variable interest rate. As of today, XXXX there is a principal balance of {$24000.00} and {$15000.00}, totaling {$40000.00}.
Equifax deleted a positive trade-line on my bureau report prematurely. I have made several attempts to contact XXXX Equifax and the original creditor about reinstating the trade-line several times. Each entity claims there is nothing they can do on their end and blames the other for the issue. I have spent countless hours trying to resolve this issue to no avail.
I recently went on-line to get my free yearly credit report and was startled to see old information still being listed on my report even after contacting the various credit bureaus as far back as XX/XX/XXXX. Specifically 2 revolving credit company 's I had a long relationship with : # 1 ) XXXX opened inXX/XX/XXXX ( had an issue with an on-line bill pay, that was corrected and they sent me an official letter of explanation ( that also should have notified the credit bureau 's ) the amount in question is {$36.00} and to this day is still showing up adversely. 
# 2 ) Synchrony-JC Penney's- Opened in XX/XX/XXXX this account was shared by my then ex-wife ( whom we were divorced in XX/XX/XXXX ) and when the divorce took place in XX/XX/XXXX she immediately ran the credit account to the max, however, I negotiated with the account representatives on a payment plan to pay it off. Even though it was done without my consent/unauthorized. I should not have negative reporting still occurring on this file when it was closed in XXXX. 
# 3 ) I recently did a VA cash out on my mortgage with XXXX XXXX and subsequently was approved by XXXX, for a new Mtg. There are 3 Hard credit inquiries all related to this transaction 2 in XX/XX/XXXX and 3 in XX/XX/XXXX, all negatively impacting my credit. This also, happened when we were looking to purchase a car at a " Tent '' sale and about 10-15 harh pulls were made to our credit all trying to get approved financing. The consumer should not be penalized for these types of actitvities when they're all related as I understand the Law.
I noticed an account on my credit report from Optimum Outcomes for {$290.00} and was unaware of a debt owed. I tried pulling up information about the debt but could not locate anything from the company. I used the address listed on the information tab for the company and sent a certified HIPAA and debt verification letter to the company on XX/XX/2018 and have still not heard anything back from the company telling me why I owe the debt, whom I owe the debt to, nor what the debt is for. In the collection tab on my credit report it states the debt was for medical but that is all I can find out. The company was had almost 60 days to verify the debt and has not communicated with me at all. 

Certified letter sent XX/XX/2018 to Optimum Outcomes XXXX XXXX XXXX # XXXX, XXXX XXXX, IL, XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX
ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU
At the beginning of XXXX, credit bureaus has a massive security leak, and lost sensitive data on millions of Americans. The only thing I can do to protect myself as a citizen, is freeze my credit. My issue, is that all of the credit bureaus are charging for these freezes. Freezes that must be made because of their negligence. It should not be legal for them to charge, because of problems they caused. Also, they have made it almost impossible to use their automated systems for freezing your credit. These credit institutions are obviously taking advantage of the system and the American citizens that make it possible for them to exist. This is disgusting, and must stop ...
I had a transaction of XXXX dollars from XXXX whose date was changed by Wells Fargo. The transaction was not processed by Wells Fargo until XX/XX/2016 after a direct deposit had been made and it is still being processed by XXXX. However, Wells Fargo changed the transaction date from XX/XX/2016 to XX/XX/2016 the in order to charge me an overdraft fee. When I called them, they told me that Wells Fargo was only allowed to reimburse me XXXX out of the XXXX dollars of overdraft fee. This is not the first time, this kind of issues has happened. I have had it with this bank.
This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Equifax. Equifax refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX, pulled XX/XX/XXXX and XXXX XXXX, pulled XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX, AND XXXX XXXX inquiries need to be removed from my credit file. 

Attached to this complaint you will find a verification letter from Equifax stating that they were authorized to submit my credit file to the following companies because " Inquiries are a factual record of file access? '' What does this mean? Also attached to this complaint is a letter from Equifax stating how they verify account information on my credit file. They stated that everything they use to verify is all electronic and no physical documentation is used for proof. This method creates an enablement of identity fraud and possible data breach. Both letters are attached to this complaint. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification.

I do not recall authorizing these inquiries and demand they be removed from my credit file from Equifax.
XXXX XXXX XXXX recently helped in getting my mortgage payments and to help avoid foreclosure. I signed the agreement and recently got notified that my pension would decrease {$760.00} in XX/XX/XXXX when I turn XXXX. Caliber did help me in trying to keep my home but the payments were changed from the trial amount to {$760.00}. Since I am loosing almost the amount of my mortgage payment I will still be facing hardship. XXXX said I qualified for a $ XXXX payment. Will u please work with me and lower my payments. I bought the home in XX/XX/XXXX when my daughter was a baby so she could have a place to call home which I never did. I worry always about having to move and need your help desperately. Please help me.. Bless you
I HAVE NO PAST DUE AMOUNT WITH THIS COMPANY. WE MOVED OUT BC OF UNSAFE LIVING CONDITIONS AND WE WERE TOLD WE DID NOT OWE ANYTHING
Several times American Express offered me 0 % interest. I finally took them up on that. When it was over, Hurricane Irma had just hit and I have 2 properties in Florida. When I called about something else, they informed me I would now get 0 % " until further notice '' on TWO different calls that was confirmed! Suddenly, in XX/XX/XXXX, I began accruing interest and finance charges to the tune of now almost {$3500.00}! I have always paid off my balance every month and refuse to carry a balance or accrue interest. I consider myself extremely detail oriented and I would like someone to listen to the audio calls where these agents told me these things. They have credited back a portion of the fees but a remaining {$2000.00} is still disputed. Every time I call I am told something different than the last agent. It seems their agents are not trained properly and are misinforming clients. All I want is for the finance charges and interest that they promised to credit back, be completed. From there I will go back to paying my balance in full every month as I have for 17 years. I was not in need of the 0 % but it sure did help since my rental property in XXXX XXXX went 4 months with no rentals due to the hurricane. If I had thought I was going to have interest charged I NEVER would have carried a balance, or if I was told a DEADLINE I would have paid it off before that. I just now discovered in going through past statements to report this, that they have another {$100.00} accrued over the months during which i had 0 % interest! I had paid it off until XX/XX/XXXX. My 0 % interest was from XX/XX/XXXX-XX/XX/XXXX. How, if my balance was paid IN FULL through XX/XX/XXXX, can you start charging for a small portion of the balance during 0 % interest time?
While employed by XXXX I used a company credit card for company business. I am no longer employed by them and have not been since XXXX of 2016? Bank of America is calling me every day about the company debt. I have spoken with them on the phone and I have written to them explaining I am not responsible for this debt to no avail they continue to call at least once every day.
They are now sending Arrest Warrant emails threatening me to pay the loan back. Yes I know I still owe the loan, but they have been very unreasonable with trying to agree on payment arrangements. Now they are sending me very threatening emails.
XX/XX/2015 My father after 10+ years of perfect payments to Bank Of America got the devastating news my mother would have to be put in XXXX because her XXXX XXXX was progressing quickly. My Fathers XXXX could no longer maintain or afford their dream home any longer. Being a man of integrity, he contacted them immediately and told them they could no longer afford the home and my mother could no longer navigate the stairs. I am a realtor, I immediately got the POA 's that were necessary and started trying to assist BOA in the process of a " short sale '' as to keep them form losing any more money and to respectfully release my father from the incredible stress. This was the plan of action we chose. Since that date we have now spoken to XXXX individuals, we 've sat and watched my fathers state of mine and financial future damaged beyond repair, we lost my mother XX/XX/2015, we received an incredible short sale offer on the home that was not even submitted until 2 months later, had over XXXX showings and the home continues to deteriorate, no phone calls to me personally have been returned, Bank Of America has not represented the company in a professional manner nor have they shown compassion or tried to rectify the matter on a timely basis, we are in the XXXX month of dealing with a process that has taken less than 90 days with other banking institutions and we just got turned over to XXXX new contacts that have yet to perform any better. BOA has caused unnecessary stress on my father, my realtor and shown poor care for their own company. If they are doing to my father at the age of XXXX, they are doing it to XXXX others. It is a travesty no one should have to deal with especially when the seller has made every attempt to do the " right '' thing even though my mothers illness and passing caused the extreme challenge. Shame on BOA and their leadership. They have cost their company probably XXXX dollars because of their antiquated systems and poor judgement. This is in my opinion fraud.