WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX I deposited a check from XXXX XXXX XXXX XXXX in to a Capital One Savings Account at a local branch, an account that transitioned into an online 360 retail bank account without my knowledge. The check required a signature from myself and an attorney who I fired before being mailed the check. My then attorney ceased communication with me and after multiple attempts of trying to reach the other party on the check I signed it in good faith to pay the attorney for reasonable services and opened a savings account at Capital One local branch Bank to protect the other parties assets. 

Without effective investigation, Capital One terminated our relationship after I willing stated the other party refused to communicate with me. About one month after the deposit was made, the other party communicated with me and agreed to go into a branch and sign the check signed, so funds could be released and everyone can move forward with terminating the relationship. 

On or about XX/XX/XXXX the bank froze all of my assets in my checking and savings account due to the signature issue, then deleted the original check and attempted to charge me for {$2300.00} for a withdrawl that was accepted from the institution around XX/XX/XXXX. On or about XX/XX/XXXX the bank listed I made a customer withdrawl in the amount of {$2300.00} when the account was closed. For almost 2 months I have been reaching out to Capital One Bank to find a resolve to retrieve the funds and complete what is required to terminate the relationship. 

Representatives have stated several times they are not releasing the funds and have repeatedly misled me to believe the bank listed on the check can provide a hold harmless agreement form that can be sent to their security department via fax or mailed. 

On XX/XX/XXXX I visited a local XXXX XXXX to obtain the form and the banker informed me after detailed research the form was non-existent. Capital One refuses to communicate with the bank to reverse funds and they refuse to communicate with me on settling the issue regarding this savings account. 

To this date, XX/XX/XXXX I have not heard from Capital One regarding a resolution on this matter, by phone or mail and at this time they are withholding my funds after termination of the relationship.
Ibr is set up for the college students coming out under the age of XXXX, not for mature adults who have a mortgage, retirement plans, children and other major expenses. At work I was told to get my XXXX to keep my job and now find the repayment plan is almost as much is mortgage payment. Worse yet l be paying into retirement and jeopardizing my future retirement. I can not afford XXXX month payment and my spouse will not pay XXXX of my student loan.
I have a monitoring service and ca n't access my credit file. I was asked several times to send in documents verying my identity and I have done so several times. I have spoken to several depts at least 3-4 times a week for the last 3 1/2 weeks about my file and all I get is the run around. I asked to be credited for the product I am paying for and they wont grant the credit. I am frustrated by Equifax 's bad customer service and poor practices along with refusing to remove incorrect and erroneous information on my file which can has been verified in the form of an investigation demanded by me from the original creditors. If these matters are not remedied within the next 5 days I will preparing to take legal action against Equifax and the original creditors.
My family members have been receiving calls wanting my credit card debt paid. I try to call back the number and no answer. On XX/XX/2016 Glass Mountain Capital LLC sent an envelope to my mothers house asking for the debt to paid on my XXXX card. In this envelope they had numerous papers with all of my family members phone numbers, addresses, and social security numbers. There was also no XXXX bill in the paper work only a XXXX one. Both of these cards have been paid off years ago. 

They have no proof, yet requesting money and harassing my family. Along, with obtaining sensitive information.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX  9. XXXX XXXX 10.XXXX
Volkswagen credit sent me a {$0.00} balance statement from my payoff of my lease XX/XX/XXXX. In that statement in shows that all Residual Value, Fees, Taxes, Scheduled Payments, Rent Charges are included and they gave me a payoff amount of {$26000.00}. I remitted that amount and they sent me my title. 

XX/XX/XXXX or XX/XX/XXXX VW Credit started sending letters asking for an additional {$540.00} for property tax that they say they paid XXXX. I provided the documentation of the final billing statement and the title that was issued and asked for some documentation of the property taxes. I especially pointed out that if they are claiming that the property taxes were paid XX/XX/XXXX, they certainly should have been on the statement that I received on XX/XX/XXXX or shown as possible charges on that statement. VW Credit has refused to provide any documentation showing an error whereby they did n't include the taxes, nor have they provided any documentation that they actually paid the tax. When I go to the City of XXXX to see the documents I ca n't get access to everything because I was n't the owner of the car when that bill was allegedly paid. So, I have nothing to go on. Further, when I have shared this with VW Credit, they have twice threatened to send me to a collections agency if I do n't pay their demand for {$540.00} - even though they refuse now to provide any documentation of the bill. 

I feel I am being harassed and threatened and according to XXXX at VW Credit ( ext. XXXX ) there are a bunch of consumers who are being harassed in the same way without documentation of taxes paid.
Over the past several months I have requested that Transition provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Transunion updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Transunion will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Transition unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET XXXX refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives XXXX, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is Transunion misbehaving illegally and must act to remove a claim of aimed
On XXXX XXXX, XXXX I received a bill for XXXX charges made on Citibank Credit Card XXXX in the amount of XXXX and XXXX made NOT BY ME at XXXX in Wisconsin. I have never been to Wisconsin. I did not make these charges. The account had a XXXX balance, I had cut up the card and I had not used it since XXXX. I contacted Citibank Credit Card then, in XXXX XXXX, about the fraudulent charges and they said they would resolve the problem. I continue to receive bills for these XXXX charges and now monthly late fees. I continue to call Citibank to no avail. I just spoke to another operator in XXXX who was no help. I have talked to operators in XXXX, XXXX, Kentucky, and other cities in the XXXX speaking world, told them about the fraudulent charges and the late fees and nobody has done anything about it. I continue to receive phone calls, text messages, and bills on these charges and the late fees which accrue upon them.
THIS IS NOT A DUPLICAT COMPLIANT. 
XX/XX/2018 CFPB Case No. XXXX ACCOUNT NUMBER : # XXXX XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX, I spoke to the online manager of Citibank regarding the accounts listed above. I was told that the title of the accounts is under my name as primary account holders, and my children are secondary. For this reason, the accounts listed above are being disqualified to earn promotional bonuses. 
When I visited Citibank on XXXX on XX/XX/2018 to deposit a check, one of the tellers referred me for the checking promotions. I showed my interested then she referred me to the manager. I asked the manager how I could qualify to earn bonuses and meet the promotions requirements. Would my children qualify, being XXXX and XXXX and new to Citi bank? I was told that I wouldnt qualify since I have existing accounts with CitiBank but my children would. I returned to the branch on XX/XX/XXXX to open accounts and I provided my childrens social security numbers and transferred the NEW money from XXXX XXXX XXXX  to their new Citi bank accounts. The manager told me the bonuses would not allocate to the accounts until ended of XX/XX/XXXX. 
After waiting for seven months, the bonuses were not allocated to my childrens account. I contacted the online banking and I was told to contact the branch where I opened the accounts. The branch manager, XXXX told me that the accounts are custodian accounts which automatically are disqualified for the bonuses. I did not know that my childrens accounts were opened as custodian accounts and I have no knowledge that I am the primary account holders for my childrens accounts until online manager told me on XX/XX/XXXX. All I remember that I asked the branch manager make sure that they were using my childrens social security numbers for income tax for promotional bonuses and link their accounts to mine existing Citi Bank accounts for better management. After I opened accounts, I received transaction receipts and a Citibank post note written with my children 's account numbers. Nothing more related to my children 's accounts. 
After I compliant, XXXX offered me for XXXX Thank You points to settle this case. I rejected them because it was Citibanks mistakes which misled me. I am asking the bank to correct their mistakes and pay the accounts listed above back with the promotional bonuses of {$300.00}.
I have a XXXX XXXX Visa credit card. When I attempted to use it for a purchase on XXXX XXXX 's website, my card was declined ( my account is not past due and there are no issues with my credit limit ). I then logged into my XXXX XXXX   credit card account online. It prompted me to activate a new card. While I have not received a new card in the mail, I thought I needed to input the information of the current card in my possession. I did this, and it said my card was activated. 
However, the card in my possession would still not work for the purchase. I called the XXXX XXXX credit card customer service. They stated that there had been a security breach in XXXX and that I had been sent a new card and the card in my possession had been deactivated. BUT, I did not receive a new card in the mail. 
This is AT LEAST the second time XXXX XXXX  has claimed to have sent me a new card in the mail, but no card was actually received. 
Additionally, while XXXX claims to have deactivated my OLD card due to a breach and sent me a NEW card in XXXX, I was able to make purchases on my OLD card in XXXX. 
The three primary issues now are : ( 1 ) whether my new card was lost in the mail or never sent, the NEW card ( not in my possession ) is now ( according to XXXX  ) activated because I input my OLD card information when prompted by their website to activate a card. It is a security breach for the system to allow me to input my OLD card information to activate my NEW card that was never actually received. Had I not called them, the NEW card I never received could have remained activated for a third party to use ; ( 2 ) if there truly was a security breach in XXXX requiring a new card, why was I still able to use my OLD card through at least the end of XXXX? 
( 3 ) because XXXX deactivated my card without my knowledge and I never received the new card they supposedly sent ( again, this has happened before ), I am unable to use my card for XXXX XXXX promotions and discounts ( the promotions and discounts require the use of a XXXX card ). The whole point of having this card is to get these discounts and promotions. By the time I receive a new card, the promotion will be over and the products could be sold out by the time there is another promotion. Again, this is a repeated issue with XXXX XXXX.
in XX/XX/XXXX, I divorced my then, wife, now ex-wife. In XX/XX/XXXX, my ex-wife using an insurance card she was permitted to use, incurred a debt with a XXXX XXXX ; which, she promptly, failed to pay. 

The doctor 's office tried collecting the debt, eventually calling me since she had moved out of state. I informed them that I was not ther individual in their office ; nor, did I at any time agree to be financially liable for her visit. The doctor 's office indicated that they understood and never called me again. 

At some point thereafter, the doctor 's office sold off the debt to ProCollect. After not finding my ex-wife, they began harassing me. I told them the full story numerous times over the past four to five years. On more than one occasion they indicated they would remove the debt from my credit only to leave it in place and deny our previous conversations. Most recently, in XX/XX/XXXX, I spoke with a XXXX XXXX at ProCollect and after a lenghty discussion, she agreed that this was not my debt ; and if I could send my divorce decree as evidence, the smudge would finally be removed. 

I quickly drove to the courthouse where my divorce was finalized and paid for a certified copy of the requested decree. I then had the document scanned into PDF, again at my expense, and e-mailed it to the address I was given. 

This item has yet to be removed from my credit. 

I called ProCollect again today, in hopes of getting them to correct their apparent inattention to this issue, this time speaking to one XXXX XXXX. XXXX XXXX indicated they had received the decree but did n't care what I thought that meant. They determined that the decree no longer qualified or substantiated my claim. They insist that the debt is mine. 

I have asked numerous times, five by memory, for them to provide evidence of their claim that I incurred this debt. They have openly refused to provide that evidence.
Around XX/XX/XXXX i received a wage garnish notice at my job. in the amount of XXXX i was beside my self so i call the number for Reese Law Group to find out it was for a car that was repossed in XX/XX/XXXX. I told them why didnt you get ahold of me in XX/XX/XXXX. they said that they did with a court summons ( i never recieved ) so to make the story short i went to court in XX/XX/XXXX did not understand anything. i gave the lawyer for ( XXXX XXXX XXXX ) my pay stub for a year to show them that i can't pay {$500.00} a month. then i didn't hear from them until about 3 weeks ago now they want XXXX. my question is can a Law Group sit on a judgement for 9 years so it will collect interest then garnish my wages.

I don't think its right to do that to a single XXXX  year old woman that lived pay check to pay check. they say its all legall to do what they are doing to mr .
Fay Servicing LLC improperly applied thirteen ( 13 ) payments made to them during my Trial Payment Plan and subsequent HAMP modification from the period of XX/XX/XXXX to XX/XX/XXXX. Eleven ( 11 ) of  the payments included additional principal, but the additional funds were not applied to principal. Fay Servicing stated that the additional payments were applied to past due amounts from XXXX and XXXX, during which time they were not my mortgage servicer - and my home was in litigation for foreclosure. Due to the misappropriation of my funds and accounting reversals and late applications of payments on my account, my account balance due has never been correct, resulting in a higher balance and additional interest that I should not be responsible for.
I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. XXXX XXXX Credit refuses to submit a removal or resolve the situation with Equifax as Equifax needs XXXX XXXX Credit to start the removal.
I have 3 Citibank Platinum AA credit cards for different purposes. One AA card ending in XXXX had a credit balance of {$350.00}. I requested it be transferred to a different card. This credit balance was subtracted and supposedly transferred on XX/XX/XXXX. However, this balance was NOT transferred to either card I have. It was simply subtracted so I no longer had a credit balance, so Citibank took the {$350.00}. I called five times over five weeks, and asked where the balance was. Each time, the rep said " oh that's strange '' and said " oh I found it it will be transferred within 2-3 business days ''. It has NEVER been transferred, and I am still missing the {$350.00} credit. So Citibank owes me {$350.00} that was subtracted ( they claim transferred, but it was not ) from the AA account ending in XXXX and they need to return this to me.
I HAVE FRAUDULENT INQURIES STEMMING FROM A VECHILE LOAN I NEVER TOOK OUT AND XXXX AT THAT FROM COMPASS BANK, I HAVE AN ACCOUNT FROM THEM BUT NEVER HAVE TAKEN NOR APPLIED FOR INDIRECT FINANCING. I HAVE HAD A GREAT RELATIONSHIP WITH COMPASS THUS FAR AND BEMUSED THEY WOULD UNDER " XXXX XXXX XXXX '' RUN A REPORT THAT CAUSED A MIXED FILE. ITS ILLEGAL AND UNETHICAL I WANT ALL INQUIRIES REMOVED AS FRAUD
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information TITAN RECEIVABLES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.
There is a wrong name ( not me ) added to my report which caused me to drop XXXX points! I 've changed nothing and my credit report as of last week was XXXX yet this morning its XXXX. And there 's a name on it that is clearly not mine and not even close. What can I do to remove this? 
Here is what is wrong : Names ReportedXXXX XXXX XXXX, XXXX, XXXXSee something wrong? 
Find out how to update personal information.
I am disputing the accuracy on the status of my item. It is showing as late where in fact I paid my bill on time and it should show as 'current. ' There was never any late payments prior either. I am requesting that the CRA adjust my payment status to 'current. '
Account : XXXX XXXX XXXX account number # XXXX was transferred to XXXX XXXX XXXX after the bank failed and closed. XXXX XXXX XXXX, is no longer in business, however, XXXX XXXX XXXX keeps reporting this account even though the account clearly shows account closed/transferred. This type of double reporting has caused my credit score to nose dive, and I am NOT able to get any form of credit. I have tried to have Experian, correct and deleted all entries to this account. They have refused.
Reference : XXXX XXXX XXXX Policy # XXXX Last Renewal Date : XXXX/XXXX/XXXX until XXXX/XXXX/XXXX I acquired this institution during XXXX XXXX, for automobile insurance. I never had any issues regarding renewal until calendar year XXXX. XXXX XXXX XXXX canceled my automobile policy for a XXXX XXXX XXXX and XXXX XXXX XXXX. After cancelling the policy I was denied renewal. I contact the company on several occasions. After unsatisfactory consumer service I acquired XXXX XXXX XXXX with the assigned policy number XXXX for a six month policy. XXXX XXXX and XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX, IL and XXXX. XXXX cancelled my policy after one month because XXXX provided false and misleading information. In additional XXXX XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX, MA and XXXX, which stated I owed them approximately {$200.00}. Also, this debt was sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. XXXX ; contact number XXXX XXXX XXXX XXXX contacted me by mail on XXXX/XXXX/XXXX to settle this past due account.
XXXX XXXX or XXXX XXXX mostly  calling from XXXX GA using numerous numbers such as XXXX. I have texted back to them at least 10 - 30 times about repeated calling. They just call from a different number from XXXX GA. This happens several times a day even weekends. 

This is truly consumer harassment. Anything you can do to stop this will be much appreciated. They are calling both my home phone and cell phone. My home phone number is XXXX and my cell phone number is XXXX. Thanks so much. Appreciate this greatly.
XXXX   XXXX   XXXX  -  XX/XX/XXXX - I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX  - XX/XX/XXXX  - I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.   XXXX   XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX   XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
 XXXX - XX/XX/XXXX  XX/XX/XXXX , XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX   XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX  - XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
Received a call on my cell phone. The person called me by name saying they were looking for someone who lives on my street. I am on the do not call list. No one should have access to my number.