WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2017 I tried to contact Capital One Bank to determine the balance due on my credit card. I tried to contact them by phone & online. I spent many hours on hold and received no response to my email. I became concerned because I feared If I ever lost the card I would not be able to contact them. After 2 days I finally reached an operator. 
I told her I wanted to close the acct. She informed me that until the full balance was paid the acct. I agreed to pay full amount of approximately {$700.00}. I mailed a check on XXXX XXXX,2017 I sent the full amount due. The next month I received a bill for the balance plus interest. I called my Bank & was told check had not cleared. I called Capital 1 & told them they should cash my check. They denied having received the check. I asked to because I wanted to report the check stolen The Operator refused to connect me. 
But they continue to send me offers of higher credit lines and " Platinum Credit Cards.

Cleary they are keeping the account open because they want my business. I filed a prior complaint with your agency but I was very disappointed because all they did was call Capital One & ask them what the problem was. There response was She has n't paid. Your response was you have to pay them. 

I am willing to put a stop on my initial check if Capital One removes the interest charges and bills me for the original balance & provides me the name of a specific person to send the check to via USPS Return Signature requested
I have successfully sent over documentation/supporting details regards to this fraudulent /incorrect account that have been added to my file. After speaking to numerous customer service reps in addition to faxing over documentation showing I am a victim of identity theft. Despite showing supporting document Transunion, has failed to update my credit file accordingly. 

XXXX XXXX XXXX XXXX of XXXX Reason : Fraudulent Account
Dear Sirs, We bought our home XXXX yrs ago with XXXX at 11.5 %. We found out shortly after that we were under a preditory loan and could not afford our payments. We tried to sell XXXX after and in that time XXXX went under and our loan went to XXXX. So we had an immediate offer but XXXX turned it down. then a more serious offer came But XXXX turned that XXXX down also! We were sent forclosure papers and sought bankrupsty, when we were hit with the final payback plan and the amount to start our loan again -we could not afford that so we never went to court. We found an expert through XXXX XXXX. We thought finally this would end. It took months to write a wonder proposal and we submitted to XXXX. However they turned it sown and came back with we will put late pymts top end of loan and made us sign papers. The pymnts were more! So then XXXX sold our loan to SLS without our notice. In XXXX I started talking to them and they sent me forms to apply for programs to lower our rates. They said we would not have to make mort pymts while waiting for approval. I was turned down, They imm sent another program offer and another XXXX months went by waiting for approval. Same thing, Turned down. Then another, and yet another. XXXX yrs went by and many months of getting on the phone with them and they say oh we have the papers it looks like you qualify just wait for approval. XXXX XXXX XXXX I got my XXXX not qualified and I screamed at them. They knew full well the math and paper work was all the same but by now we were XXXX yrs behind in mortgage. So they offered us trial agreement by novemeber XXXX ; XXXX XXXX XXXX I borrowed money to start trial. By XXXX I could n't for my life provide enough for mortgage and home expense. I tried but the pymnt were just too high. I asked for a DEED in Lieu. They sent me paperwork talked to them on phone. I sent them document. They come back saying you have to put your house on market. I say you did not say that! So I put it on market. Since XXXX XXXX my house has been on short sale I am now XXXX in the whole. We had a CASH offer in XXXX and guess what SLS turned it down! I have asked and send requesting the DEED in Lieu again however I have had no response. I have called them and they say they can not talk to me because the XXXX lawyer is the only XXXX they will talk too. 
I have spoken with XXXX of companies over the yrs regarding help. Some legit some dont do anything neighborhood housing, XXXX, XXXX or whatever. Our income is the same I am XXXX broken over this and I feel stuck in this hole. My husband became XXXX too XXXX and pray for help daily- XXXX has kept us here for a reason. I have just begun to seek higher appropriate considering a mortgage lawyer wont even help. I will also search FOC, FCC, FTC, OCC, and other state officials. Please respond with any search or contact that might help. Or maybe You are the end to this nightmare. Please HELP!! 

Sincerely Hoping
I have a TD bank credit card. 
They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my TD bank mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. 
These are the only late payments on my credit report. 
I called TD bank and they said I should file a dispute with XXXX and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. 
So I called TD bank and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. 
She suggested I file another dispute. She said there was no other department to talk to. 
I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you
Went through XXXX XXXX XXXX which made an agreement with XXXX XXXX XXXX in the amount of XXXX through the law office which was representing XXXX XXXX. Payment made for the first XXXX and then the second payment of XXXX was made on XXXX over the phone to the law office from XXXX XXXX. I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from XXXX XXXX telling me I was delinquent. I have spoken to many individuals at XXXX XXXX who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
I took out a same-as-cash 12 month payment plan From a XXXX. This was later transferred to Monterey Financial Services, LLC. My loan was paid in full in XXXX 2017 ; however? Monterey continues to collect payment through the automatic debit I gave set-up. They do not respond to phone calls and website is completely bogus. I am Unable to log in to my account and unable to re-set password etc.
On XXXX/XXXX/16 a loan modification package was submitted. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form needed to be updated and it was submitted the same day. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form previously submitted had not been reviewed. " A message was sent for the documents to be reviewed. '' At this point, Seterus had a complete package. 
On XXXX/XXXX/16 another call was placed to check on the status. No update and sale date still on. " A message was to the escalation department. '' On XXXX/XXXX/16 sale date still on, no update, no additional documents needed. 
Should n't they at least postpone the sale date if they have a complete package? Are they going to review the package for a loan modification while they are trying to foreclose at the same time?
On XXXX/XXXX/XXXX, XXXX were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XXXX, XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted XXXX and XXXX and emailed me stating that according to XXXX and XXXX, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from XXXX and XXXX. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to XXXX and XXXX showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from XXXX and XXXX, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on XXXX and XXXX and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.
Accounting Department of Ace Cash Services has marked this case as a flat refusal and press legal charges against you. 

We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 

The total outstanding of XXXX amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$3900.00} must also be paid, in addition to the debt. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating. The legal proceedings and any other amounts which the court orders, must also be paid, in addition to the debt If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX Between XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX XXXX ( XXXX XXXX Copyright ( C ) 2016 XXXX | Privacy | Terms of use
I have an auto loan with BMW Financial USA. On their website, I had the option to set up an automatic debit for payments each month. This tool also allowed me to designate an additional dollar amount that would be drafted and applied toward principal. 

While perusing my online account after the initial draft was applied to my loan, I noticed that the additional payment amount has been applied toward my next month 's installment payment and not toward the principal balance. 

I am still in the process of resolving this issue with BMW Financial USA.
Your team submitted my claim to the wrong company ..you submitted the concern XXXX instead XXXX XXXX -- -- -telephone number XXXX these illegal account sharks change their name/daily sometimes they call themselves Nationwide debt XXXX and sometimes they are called Debt Management Solutions XXXX XXXX XXXX
I asked for a quote on lights from, XXXX XXXX, of XXXX. On XXXX XXXX I received quotes from XXXX XXXX for the lights ( {$6700.00} ) and light stands ( {$1100.00} ). I was told that there " may '' also be a shipping charge and that if so " XXXX '' would review that with me. I approved the XXXX quotes and authorized those charges to my credit card. 
I was never provided a quote for shipping. XXXX did not review any shipping charges with me or seek authorization for any shipping charges. On XXXX XXXX an unauthorized charge for {$590.00} was made to my credit card. 
I disputed this charge with Bank of America by phone and mail. I received a response from Bank of America that stated this was not a 'duplicate transaction ' and therefore 'valid '. I never stated that this was a duplicate transaction rather I explained in writing and by phone that it was an unauthorized charge.They provided an invoice from the company which showed the unauthorized charge -- that invoice was created ( as stated on the invoice ) after the unauthorized charge.The relevant invoice is the one that I authorized prior to any charges which does not include a {$590.00} charge. 
On XXXX XXXX, 2015 I called Bank of America at XXXX and explained the details to the representative. She told me that because I had authorized a charge for the lights that the additional {$590.00} unauthorized charge could not be disputed. 
I am writing to ask that the {$590.00} which was not authorized be credited back to me.
On  XXXX / XXXX / XXXX  I disputed an item on my Experian report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify Experian that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to Experian. Experian did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information. Experian responded back that they would not reinvestigate as required by law. The information being reported on my credit report by Experian is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.
It happened on XX/XX/2018. I have an account with Paypal. I use it to buy things online. {$400.00} was sent by mistake on one of my friendss cellphone number who happens to not have a PayPal account. I called them immediately and they told me they were going to investigate. Well I then received an email from them saying that they wont be able to give me a refund because the transaction was not unauthorized. They gave me an email and the name of the company that has received the money. XXXX XXXX XXXX. I contacted them. They said the account that they had with PayPal is closed. I dont know what to do.
My identity has been compromised XXXX times this year, leaving my in a state of panic and causing me a tremendous amount of stress. I have XXXX credit card that were ran up and payments that were applied causing overdraft in my checking account because the money was n't in their. I am trying to resolve this issue with credit card companies. Company XXXX Capital One, phone number XXXX XXXX XXXX. This has also caused my credit rating to deplete more than XXXX points. I would like new accounts/credit cards and my credit back in good standings.
so here we are again, for the 10th time and several years running that experian REFUSES to fix a fraudulent entry in my credit report. a few months ago filed the 9th complaint with the CFPB against EXPERIAN and EXPERIAN comes back with another lying XXXX   excuse why they are not doing anything. this latest excuse is that the credit card company cant get a hold of me so EXPERIAN will not change the fraudulent record.

here are the facts AGAIN. someone took out a XXXX card in my name FRAUDULENTLY. for years i have provided proof that the XXXX   card was not taken out by me, was not used by me, was taken out by the criminal that filled out the form, that was used by that same criminal. all of this has been proven with the documentation - event providing WHO committed the crimes. XXXX  and XXXX, with this proof, have removed the fraudulent record from my credit report. but given lie after lie after lie, experian refuses.

it is NOT my responsibility to chase down XXXX or anyone else to remove what is in EXPERIAN 'S records. what if discover ceased to exist? how then would the invalid record be removed.

i have demonstrated now so many times that a fraud was committed and that EXPERIAN is perpetuating the fraud and that it refuses, UNLIKE THE OTHER TWO AGENCIES, to remove the fraudulent record so EXPERIAN is also guilty of fraud.
A leading financial Bank has charged me the loan application fee twice for a new home loan. Even though I have pointed this out to them and provided them all the details about the double charge, they continue to deny and are not providing any direct explanation and neither refunding the application fee. They have charged me {$390.00} once against my XXXX card and then a second time as a loan charge on my escrow statement ( without any corresponding credit )
I received a TD Bank Privacy Policy Disclosure for my Target Red Card. Offered is the option to call XXXX to opt out of " opt outable '' sharing. It is an automated system. I firmly believe it was designed to be difficult to understand what/how to opt out of sharing. After I pressed XXXX, XXXX and XXXX the line was disconnected. I then called Target Customer Service regarding this. They did opt me out of sharing personal information I am able not to share. I advised I believed the automated system was purposefully misleading.
I am having an issue with the listed banks that I only want to do pre qualification. Their websites concluded this however they were illegitimate and unlawfully used as inquires. I have tried countlessly to explain to these companies customer service, via mail and phone. However, I would just be put on hold for hours, not respond and they would not help as well as take care of the negative inquiries reported on my credit report. These are the following. 

XXXX XXXX XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX XXXX XXXX, CO XXXX BYMAILONLY XXXX XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX
On Sunday XXXX XXXX, 2016 I was called by Cash Central in XXXX, Utah, a company I 've never heard of. The caller, a woman named XXXX, said that she was following up on an lending inquiry I had made online. I repeatedly told her that I never made any inquiry and I repeatedly asked how and where she got my name and number. She would not answer. I asked for a supervisor and was connected with a woman named XXXX. I told her that I had never contacted or even heard of Cash Central ever in my life and I demanded to know where and how they got my information. She would not tell me. The next day, Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from Cash Central and XXXX from XXXX XXXX XXXX. I have not applied for any service from either of these companies ever and I want to know who is doing so in my name. I have filed a XXXX XXXX XXXX with XXXX on Monday, XXXX XXXX, 2016.
The item is currently in DISPUTE. This is concerning collection account XXXX account XXXX in the amount of {$1100.00} for XXXX XXXX services. I attempted to contact XXXX several times, to no avail. So I contacted XXXX and found out that the past bill was for " unreturned equipment ''. I gave the company the correct info and the bill was corrected. I DO NOT OWE ANYTHING TO XXXX OR XXXX. I am providing a statement from XXXX XXXX as supporting document. I want this account DELETED immediately. I even FAXED the statement to Equifax @ XXXX on XXXX/XXXX/16. This account is damaging my credit.
I had a XXXX service and i finished the contract before time. They have a 2 years contact. I had to finish my service because first of all they lie to me about pricing, and the quality of service. First, they gave me a price and the bills charged me the double of the price offered to me. Second, they said that the service was the best even with rain or winds, signal never would be lost. That was a lie and they even had to take that commercial tv off. With a couple of drops of rain and a little bit of rain signal was lost for hours. I did n't like being insulted that way. So, i decided to terminate my service.
Equifax response was that I may be a victim of identity theft but continues to keep unverified items on my personal credit report. Per my previous dispute the unverified items listed below STILL remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? How is this possible? Who verified these accounts? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also sent you, Equifax, copies of my requests to the collection agencies, asking them to validate my debts, with the receipts showing that I sent these letters certified signature. I would like to request from Equifax the description of the procedures used to determine the accuracy and completeness of the disputed information. Also, Equifax has NOT provided me a copies of ANY original documentation validating these " verified '' accounts required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I demand the following accounts and inquires be verified or deleted immediately. XXXX  XXXX   Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX   XXXX Inquiry XX/XX/2017 XXXX XXXX XXXX Inquiry XX/XX/2017.
try to stop but they charge me for that procedure. They say for stop 'I have to send mj to> TXT stop to end the texts.They send all time this promotion