WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been a loyal Capital One cardholder, on and off, for very close to XXXX years. I was very surprised and upset when I recently discovered that all XXXX of my active capital one credit card accounts were placed on restriction by the capital one fraud dept. After speaking to a fraud supervisor, I was informed that unless I provide the drivers license and social security cards for all authorized users that I have ever added on my accounts from their inception ( Spanning Over 6 years ) including those that have been DELETED from my accounts, My existing accounts will remain restricted. This was really a death blow to me as many of the authorized users I 've added in the past are no longer in my life and have since moved on. And as for the more recent users It would feel really odd asking them for this information way after the fact, especially being that I was never made aware that this was a requirement of Capital One. If I would have been made aware of this require beforehand, I would have gladly obliged, so I 'm really not sure what I possibly could 've done wrong. I followed ALL of the written policies provided to me by Capital One when it comes to adding new users to my account, and I am fully aware and take full responsibility for the purchases that would be made on my account by an authorized user, so I ca n't understand why I 'm being penalized and treated like a fraudster? I have never been late in over 6 years or missed a payment so why this happening to me is really insulting. 

Over six years of adding and removing authorized users, Capital One has never once asked me for identification documents from authorized users up front, or during the period in which they were on my account. I followed all the guidelines concerning adding and deleting authorized users found in the capital one customer agreement. So again this is really baffling and I do n't understand why I 'm being punished. The revised customer agreement indicates that they " may '' require certain information of the authorized users, and they " may '' limit " their '' ability to use the account. It says limit " their ability '' not my mine. I am ok with Capital One obtaining information beforehand when adding users, but in my case I was never told ANYTHING. Instead I was blind sided with a restricted account that is now causing me more harm than good. I am really worried how my credit is going be affected by this, as my available credit is going to be reduced significantly. 

To add insult to this injury I have yet to receive a straight answer from them on why this information is needed. I was informed this ca n't be " discussed with the account holder ''. I was under the impression this is MY account, and if the problem was that SERIOUS, I should have the right to know. After being loyal to Capital One for so long, and being a responsible cardholder, I would hope they will reconsider their actions and un-restrict my accounts.
Experian will not allow me to freeze my credit online, they are asking for information that would make me jump through a lot of hoops, for instance, a police report. A police report of what? Everything has to be done by regular mail, yet I have an account and can view my credit history.
This debt with XXXX XXXX Hospital lab in the amt of {$150.00} was resolved in XX/XX/2018. XXXX was notified by XXXX XXXX Hospital at that time. I've received at least two more collection letters from XXXX, the latest on XX/XX/2018. XXXX XXXX Hospital has contacted XXXX twice and told them to remove this account from their books ( it wasn't removed when requested in XXXX ). The XXXX XXXX rep was told it would be removed that day. Yesterday I received another collection letter from XXXX to collect this same debt. They continue to harass me to collect this money even though XXXXXXXX XXXX   Hospital has notified them twice that it is no longer owed.
On XX/XX/2018 CIBC USA, XXXX XXXX, IL called me to notify me that my 2 corporate accounts were being closed because of an incoming wire the day ( {$3000.00} ) before from a U.S.-based cryptocurrency exchange, Coinbase. They said that they don't allow transactions with cryptocurrency exchanges and that for that reason they needed to close the accounts. There was no discussion, just a 60 second phone call that we were done with their bank and that they were sending a check overnight. This has created a problem for us because we can not deposit the check and we need the money. It can take weeks to open this kind of account and we needed the money now, not one month from now. This was incredibly disruptive to my business and it would seem unjust to me given all the facts and circumstances. Can you help in some way?
I have a 401k with XXXX XXXXBank of America. XXXX is forcing me to close my account on XX/XX/18 against my wishes. Because of this, I am going to have to deposit the money in my IRA with XXXX Funds. I sent Merrill Lynch a written request to complete this transfer, but XXXX XXXX XXXX with XXXX refused saying they don't take written instructions. It's 2018 ... .business is done in writing.
I have filed for Chapter XXXX bankruptcy and I need to pay on my student loans during the course of my bankruptcy outside of the trustee payments. I do not have access to my account to make the payments. The financial institutions have removed my access and ability to pay on my loans without having to call and wait on hold while my phone call is escalated to another person to schedule a loan payment. 
This practice does not allow me to make payments available to other borrowers and adds unnecessary obstacles for me to make my payments. I need to take time off of work to call during business hours. High interest is building on my loans as I am under bankruptcy protection, so these barriers are very detrimental to me.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that when I traded my car in, the company did not pay you in time.
Opened a credit card with Toys R Us, Charged less than XXXXXXXXdollars, First bill came and paid on time.Bills stop coming and they contacted me, paid XXXXXXXXdollars over the phone and complained about not getting my statements.In XXXX got a letter from then, i contacted then on XXXX XXXX 2016, now they want XXXX dollars, i told then i did not do those charges and needed my statements from XXXX to XXXX 2016 to dispute the charges.I was told the statements will arrive by mail in 7 to 14 days, that day i changed my statements preference to e-mail.The statements never showed but by miracle the XXXX statement showed up in the mail.Contacted then again, they said the statements were mailed and they were going to send then again, statements never arrived, what arrived was a letter from a collection agency.I have XXXX other credit cards, as of today all are current, own less than XXXX dollars each and never missed a single statement in the mail.
XX/XX/XXXX, I was trying to qualify for a home loan I was confronted with a debt from a company Receivables Performance. I XXXX the companies contact information. I spoke with several people about the debt they stated I owed to XXXX. I asked for a breakdown of the charges owed to XXXX. On my credit report it's currently reading I owe a balance of XXXX highest of XXXX. I then asked for a letter of some kind to confirm the balance. The representatives of the company stated it would take 30 days I also asked for a letter to confirm they are truly collecting on the behalf of XXXX. I was said they sent me a letter in XXXX. I explained I never got it. I even asked them to email it to me it was against companies policy. After going back and forth I paid what was to be a settlement amount of XXXX on XX/XX/XXXX. I was then told I would get a letter via email to confirm that the bill was paid. It was also stated to me that the settle would be updated on Sunday XX/XX/XXXX. After 24 to 48 hours of the payment clearing my bank. I called back on XX/XX/XXXX and spoke with yet another representative to confirm my payment and asked about my letter to confirm my payment I was told the letter takes 10 days to generate. I still don't have a letter or receipt of payment. I was called on XX/XX/XXXX and asked to make a payment of XXXX or XXXX to settle the remaining balance of the debt. I stated to agent I paid the agreed amount the agent kept saying that wasn't what we agreed upon. I asked for a manager. The manager said she was sorry my number was accidently called 5x and would remove my number from the data base and would sent my receipt of payment within twXXXX hours of our phone conversation. No letter or email. I called back on XX/XX/XXXX requesting a receipt the agency told me it was under review and I would get it in a hour of our phone call.
I paid off my car loan in XX/XX/XXXX. After 60 days, I still did not receive my title. I called PNC bank in XX/XX/XXXX and they said they send it to my previous mother-in-law 's house, which she never received. Due to health issues, the matter was left unresolved until XX/XX/XXXX. I tried to call them again and they told me I needed to mail in a request as the back office would now have the information. I sent in 3 requests since then and never heard anything. I finally went to sell my car a couple weeks ago and because I still had not received my title, the dealership needed a lien release letter. I called PNC bank again and they told me I needed to speak to the Escalations Team. The next day I called and spoke to XXXX, who told me they had to get the letter notarized and would mail it to my new address. It has been over 3 weeks and I still do not have my letter. I have left MULTIPLE voicemails for XXXX with the Escalations Team requesting a call back to get a resolution as the dealership NEEDS the letter and STILL no response. I need the lien release letter as soon as possible since they failed to get me my title!
Experian keeps putting Fraud Alerts on my file when I did not ask them to. They are saying that I am disputing information in my file which is not True. I have challenged the inaccuracies in my report and have asked them to supply physical verification of each negative item per section XXXX or to remove the items. They refuse to do so. Instead they keep putting fraud alerts on my file to avoid obeying the law
I do not know what this collect is for. Tried calling and can not get a hold of anyone. I had Identify debt done at some point and not sure if this is now showing up ;. Please help.
I am writing this due to Non-compliance with the Credit bureau XXXX, the account ( XXXX  XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW
This complaint is about TransUnion. We request our free report which is nebulous and incomplete without the credit score. This is an abuse of process the government allows to credit reporting companies while looking the other way and ignoring the point and purpose of the Fair Credit Reporting Act. What is considered a " full credit report? '' Without the credit score it is meaningless. These Credit Reporting Agencies exist independent of the government while enjoying protections more powerful than the people whom they can control and destroy with their entries. The government is created to protect our rights, not violate them. If the government continues to make exceptions for huge monopolies such as the credit reporting agencies then these credit reporting agencies actually have more power than the government.
I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcy XX/XX/XXXX under file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day Valentines Acct number XXXX Current due XXXX XXXX XXXX XXXX re ; XXXX XXXX XXXX
My issue is with Bank of America, there has been a freeze on all my accounts without Any explanation. These are my ACCOUNTS THAT ARE FROZEN? HAVE NO ACCESS TOO. checking account : XXXX savings account : XXXX business account:XXXX I have no access to Any of my funds. They are telling me different stories no one is giving me a clear answer on what is actually happening. I have gone into multiple branches and called multiple times asking for who is in charge. I am sad to say I only bank with bank of America. I ca n't access anything. They saying someone hacked into my account now? They are saying it 's under investigation? The only thing unusual was the check my lawyer ( XXXX XXXX ) put into my savings account for the amount of {$16000.00}, Thursday because he won a case for my Injury. My lawyer also banks with Bank of America, he verified the check and his account with them still nothing, they wo n't explain to him or to me what is going on? No one is telling me when my funds will be released to me. They are saying my account is under investigation and they are saying its a business decision. 
The problem is NO one is giving me Real answers and I am without FUNDS from any of my accounts and I need to pay my bills and I need help getting this reslove as soon as possible.
XXXX XXXX keeps calling me about my loan with Arrow head loans, In XXXX I went with progressive debit relief to pay them off and Arrow head is not to call me any more and I am still getting calls from Arrow Head XXXX XXXX, now he has some guy calling from XXXX to my family telling them they are sueing me for check fraud. When I called the number they refused to talk with me. They have both been told to call XXXX at XXXX to handle the matter and they refuse ..It is out of control.
I have made several attempts to have the following information removed from my my XXXX and XXXX   reports ( due to the age, paid off status ) : Transworld systems # XXXX ( medical- XXXX XXXX XXXX XXXX bill ) reported to collections ( on XX/XX/2014 ) account by calling XXXX. I spoke with a representative who denied numerous times that they, 1. had the account and 2. reported  it to the credit bureaus. I specifically asked numerous times ( on a recorded call ) to have the item removed and WHY I was making said request, to all request she kept trying to only " give me a letter saying it was paid in full. '' I AM well aware it was paid in FULL, I expressed that to her over and over. I again stated my request to have it removed due to age, per the credit reporting laws ( " The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history '' ) She again pretended to not understand my request. I then told her I would be making a complaint through this agency for a remedy of item removal. I asked to speak with a supervisor, none were willing to come to the phone! I am asking CFPB to assist me in having this item removed from my credit report due to age/history.
I RECEIVED REPEATED CALLS FROM XXXX XXXX AND XXXX XXXX STATING THEY WERE FROM WILLIAMS AND FUDGE. I REQUESTED WRITTEN VERIFICATION OF THE DEBT AND A STATEMENT. THEY REFUSED TO PROVIDE BOTH. THEY STATED THAT THEY DID NOT HAVE TO FOLLOW THE LAW. I SAID I WANTED AN ADDRESS TO DISPUTE IN WRITING. THEY REFUSED TO GIVE ME THE ADDRESS. I ASKED THEM TO STOP CALLING AS THEY WERE REFUSING TO FOLLOW FEDERAL LAW. THEY USED ABUSIVE LANGUAGE AND HUNG UP.
This is a Very sick company!!! i have called them XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ... ... ... ... ... ... ... ..and they will not return my funds back to family and i can not transfer it to my bank account!!!!!!!!!!!!!!! 
For several weeks now I've been trying to transfer funds into my bank account to pay numerous utility bills or rent water bill food for the family and PayPal has completely denied me access to funds that belong to me and restricted the account and now they will not return the funds back to the origination causing complete chaos and complete nonsense on this horrible despicable company that should be absolutely sued and every one of their members should be thrown in jail for a long time they are criminals and they are one of the worst companies in the United States of America and all the calls get routed to the XXXX islands and they do absolutely nothing they have stolen well over {$2000.00} of my funds and claimed that there's an issue with another account which does not belong to me and they have caused you normal amount of problems with my family!!!!!!!!!!! 
paypal has over 100,000 unanswered complaints, and instead of dealing with them just palms off the customers, locks their accounts, and keeps the interest. 

in the current arbitration process that paypal has instituted complaints must be submitted to binding private arbitration in XXXX XXXX county. paypal then reserved the right to freeze that customer 's account, and made the person submitting the complaint pay part of the arbitration fees ( which could often amount to more than the claim itself ). customers were also not allowed to combine separate disputes into a single arbitration, therefore making them pay multiple fees.
Seterus is trying to charge me for things I am not responsible for. I have sent XXXX disputes and continue to receive a lying response from Seterus. The total amount I disputed was {$390.00}. They finally credited back {$370.00} of my dispute because they were wrong BUT they lied in their letters to me. The remaining amount is {$15.00}. Does n't seem like much because it is n't. It 's the principal now. They received my loan from XXXX XXXX in XXXX 2016. Seterus is charging me {$15.00} for a `` drive by '' inspection of my home on XXXX XXXX 2016. I did n't request this nor should I be responsible for the `` drive by '' inspection. I am not in default, I am not in foreclosure, I have never made a late payment with Seterus either. They have declined my dispute 3 times now. I am now filing complaints against Seterus becuase they are horrible!!!!!!! Their customer service is less than adequate and they argue over the phone with me. Then they tell me they only respond to written disputes. I am DONE with them and I will NOT pay the {$15.00} ....
I was being charged random fees and charges every single month whether or not the loan was paid " on time '' or not. My principal balance was NEVER touched and anything I made paymentwise was for their " fees or charges. '' On top of that my loan balance is now {$1800.00} HIGHER than the loan amount I originally took out!! I 've reached out to the executive office with no help whatsoever and advised that theyre unaware of how the charges and fees were added but that they 're accurate including my balance which is an outright lie. They 've also reported numerous inaccuracies to all XXXX credit bureaus and refuse to properly investigate and told me " we just send it back verified because our systems are never wrong and it 's a waste of our time and resources to personally investigate every credit bureau request '', which is so beyond illegal! They basically stated nothing could or would be done and too bad for me.
was called from a collection agency in Mississippi about a furniture purchase from XXXX told them iknew nothing about this they had absolutely no information about it tried to work with them and gave them all my inf o next thing I was reported to credit beauro I disputed this and was removed approx. 1-2 mons later was transferred to XXXX XXXX andthey reported me and it started all over again tried to dispute again and nothing happened 0n initial phone callthey didn't have any info other than a name no address no social said no initial payment no phone they didn't even know where so called bedroom suit was deliveredtold them we recently XXXX mattress and boxspring and don't put in on a XXXX XXXX XXXX XXXXXXXX isee all kinds of complaints about this outfit something needs to be done
On XX/XX/XXXX I got a phone call from XXXX he said he was from XXXX XXXX XXXX XXXX. His name was XXXX, he said he was trying to collect a debt I owed from XX/XX/XXXX on a book I rented online. The book was XXXX XXXX XXXX XXXX. Well I didn't order this book online. He wanted me to pay today with my debit card. I have not recieved any letter from this law office in New York.So I did not give this man any information. Went online typed in the number and bingo XXXX XXXX is a very busy man trying to scam peoples money. You might want to check into this. I am calling XXXX XXXX personally tomorrow to see if she has any information of this claim. I will not pay anything without getting written information first.
I hope that I have selected the correct options. I sold my home and when the title company went to get a clear title, it came back that I have XXXX home equity loans against my title. Bank of America has recorded my home equity loan twice. It has been. A week of constant contact with them, with no resolution other than they have to research this and it could take up to a month to resolve this. This is not my fault, but Bank of Americas fault. I am going to lose the sale of my home as well as the ability to start building a new home because of this. I call daily only to go to voice mail and when some XXXX contacts me I am told that it has been expedited for resolution and they have no idea how long it will take to research this on my dime. Any help that can be given to resolve this would be greatly appreciated. The resolution number XXXX. My point contact is XXXX XXXX, XXXX ext. XXXX. Thank you in advance in getting this resolved so I do n't lose the sale of my home.
Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
I over drafted my account but was charged overdraft fees for two consecutive days. 
I called on the first day and was told what items were subject to the fees. 
Then when I called they tried to double talk me. I 'm not stupid. I think this may have happened before.
XX/XX/XXXX {$5000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$1000.00} Amounts paid to XXXX XXXX ( XXXX XXXX ) for investing. XXXX claimed to be a broker trading on the stock market, trading stocks, commodities, currencies, and indices. They claimed to be based in XXXX. They are not, and were never registered brokers in XXXX or the U.S. where I reside. This is required to be able to provide this service. The platform used for " trading '' was nothing more than a video game not connected to the market in any way, shape, or form. I have submitted all documentation to Citi, but they have denied my dispute saying " they provided trading ''. They sent me a letter saying " this is the last we will say about this ''. They were not submitting my dispute to XXXX, because of other reasons that I am not disputing.