WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I received a letter from XXXX  ( see attached ) that my store credit card was to be closed due to " observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. '' I immediately called the customer service number provided, but an answer to my question could not be provided, XXXX XXXX customer service said I had excellent credit history with them, and that I should contact Capital One. I have never opened a Capital One card, so when I called Capital One, they could not provide me with any answers either. I've checked all XXXX credit reporting agencies, and none list a Capital One account in my name. A few years ago I believe an ex-boyfriend opened a Capital One XXXX card in my name WITHOUT my permission and may have used that card illegally. I have tried to contact Capital One regarding this ( see attached letter ), however I have not received any contact or resolution from Capital One regarding this issue.
To Who m It May Concern, I have an account with Nelnet Student Loans ( Federal ) I recently had an informative phone conversation with a representative of Nelnet and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would   contacted via email as well. However, this notice did not arrive until  XXXX    XXXX  , over 60 days after I had a payment due. As a result, the late payment was reported to   my credit score.
On top of that, my email and phone number were not updated with Nelnet Thus, I was not receiving any communication. ( I have since updated both my phone number and email address ).
Called this work related phone number after being told that this was for work purposes only and a personal number was given to them.
Basically the bank is having people come by lying and seemingly threatening to kick us out, after lying to us about helping and denying payment even. My house is being foreclosed on and has been sold, after payment was denied ( in the billable amount ) long before any judgment was filed or before defaulting. Now since the house has been sold, I 've had one XXXX gentleman come out before XXXX knocking on my door and lying to me. I know he 's from the bank, I 've talked to him before, but he lied to me as if he was looking for another house address number, then went up the road in the opposite direction. Yesterday I had a few XXXX gentlemen show up to my neighbor 's house telling her about our contract with the bank, telling her how we do n't pay them and that they were there to throw us out onto the streets, when an eviction has n't even been filed. The bank is basically making threats through our neighbors, and disclosing personal loan information with people who are not authorized to be on the loan. Before all this happened, the payment was caught up but the check was sent back, even though the amount of the check matched the amount on the bill and was sent in before the due date ... the check was even returned and denied to be accepted before the due date even, even though the check was to the total amount on the bill asked for by Ocwen. Ocwen proceeded to tell us to fill out numerous papers to try to get help through them to save the house, but for years paperwork was sent in only to be returned with the acknowledgement that Ocwen did n't help people save their homes. In fact the paperwork sent from Ocwen over and over was even denied by Ocwen that they had sent it to our mailing address.
Settled debt with Zwicker & Associates P.C. ( XXXX ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.
Graigel Associates sent me a collection notice and it is listed on my credit report so I sent them a letter indicating proof of the debt, they called back and left a message on my voice mail however the number they said to call back is disconnected, and all numbers associated with them are
My company credit report came wrong, I did a dispute back on XXXX XXXX, they promised to fix the problems and send me the report corrected. It is almost 60 days and nothing each time that I call, they say : " your case is on investigation and someone will call in the next 24 hours '' and no buddy calls. I have call them no less than 9 different times and always is the same
I 'm a victim of identity theft and some XXXX try opening up lots of accounts in my name XXXX XXXX/XXXX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
We are moving to NJ and buying a house. Original closing date was XXXX/XXXX/2015. We applied for a mortgage loan from JP Morgan Chase, but It is delayed by Chase mortgage underwriting for two weeks already. The mortgage officer make some errors in the application form, and underwriting has been veyr un-cooperative. They request documents a few at a time, and do n't review in time at all. Still not fully reviewed as of today, XXXX/XXXX/2015.
I contact Capital One and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and Capital One & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report Cap One XX/XX/2018
XXXX and XXXX acknowledged Capital One Credit Card was fraud account and they removed them off of my credit report. Capital One is doing whatever possible to continue to mess up my credit report when the was removed because they could not validate any purchases I made on their card nor did I receive a card yet activated so they were investigation. I need them to stop selling my personal information to other companies when I did not owe them they now got The bureau on my credit report. Capital One to stop these fraud transfer to dept collector.
I have tried over a year to access my Equifax report online through their website and annual free credit. I received the same error message from their site stating they can not verify my identity. I have submitted copies of my ID, pay stub and utility bills with my current address, name, and other important information. I made several calls to the company to gain access to my credit report online and been informed they can not give me online access but can send me a paper copy of my report. If I need to dispute anything on my report, I need to submit it back to them in paper format. I have disputed several items on my previous report but never received anything on a status of them. I have even heard them never received my request in the mail. I do not understand why I have not or am not able to gain online access to my credit report. No one can explain to me the reason why either. I need online access to my credit report so I can make documentations that the report was submitted with a potential deadline on my request.
I have submitted the Loan Rehabilitation : Income and Expense Information Document to Credit Adjustments , Inc. 5 TIMES via fax beginning XX/XX/2018. Each time I submit there was an excuse on their end to may paperwork ( didnt receive it, wrong document, spouse info should be on there, spouse info shouldnt be on there, the fax came through too faint ). Failed correspondence is why I am in default and now on the verge of garnishment Credit Adjustments , Inc. are playing games with my paperwork!!!!!! I have dealt with at least 5 different representatives including XXXX, XXXX and some guy named XXXX, I believe. 

I had no issues getting my rehab setup on my XXXX XXXX XXXX debt and that bill is for more than the Department of Education debt Credit Adjustments , Inc. is servicing! Why is that??? I believe Credit Adjustments, Inc. is trying to sabotage me and get my pay check garnished.
For about 2-3 years Ive received ads from TD Bank regarding HELOCs. I do not own a home. I have no idea where they got the idea that I own a home. I submitted a written request ( secure email via my XXXX ) on XXXX to opt out of solicitation. It took the company 4 days to respond to my request. A XXXX ( no other identifying information ) refused to help me via secure email. I had to call their 800 #. I waited on the phone over 20 minutes to speak with a most unpleasant representative. I have absolutely no faith that Ive been removed from their marketing lists.
this number call me and stay on my credit history for while and call me if i don't pay money they will make me go jail and come to house
On XX/XX/XXXX I was looking to purchase tickets off of XXXX for XXXX XXXX XXXX vs XXXX XXXX on XX/XX/XXXX. I found tickets I wanted. Each was {$120.00} and I went with 2 for {$240.00}. I texted the number in the ad XXXX, the seller provided screenshots of the tickets he claimed to have. We agreed I would send the payment and he would transfer the tickets electronically. All seemed normal and asked for the payment to be made through XXXX. I've seen the commercial with the guy buying lemonade off some girls on a walk so I thought, Why not this should be straight forward enough and chase would have my back since they advertise it. His email was XXXX and name was XXXX XXXX. Payment was made at XXXX pacific time, after 20 minutes no email or anything. Surely enough I was scammed. I called chase by XXXX and they turned me away. I literally asked " so does chase or XXXX not offer any protection '' customer care said " no I'm sorry have a good day ''
This debt was a result of medical services with the original creditor, XXXX XXXX XXXX. After application and review by the original creditor ( XXXX XXXX XXXX ) it was determined that I was not the responsible paying party and had no liability for this debt and as such it was paid by Insurance or other Government Agency and therefore as I had no obligation for this debt so no collection would exist. 

According to my records, the original creditor recalled this debt from collection agency with instructions to close the account in the collectors office and to remove any item that had been placed on any credit reports. Instead they just closed it and continue to report it on my credit report. it should be removed and not merely updated as a Paid Collection. 

On XX/XX/XXXX, I mailed to Amcol Systems Inc a letter ( attached ) in  which I disputed this account and requested that it be removed from my consumer credit reports that they had reported to. I never received a response from this company. 

On XX/XX/XXXX I initiated a direct dispute with XXXX requesting that this item be removed as it was paid by INSURANCE directly to the Original Creditor.

XXXX responded that the collection Agency Amcol Systems had verified this account as being reported true and accurate and so it would remain. 

It is my belief that neither party did a meaningful and complete investigation into this matter because if they did they would have removed this false, inaccurate and misleading account as I was not the responsible paying party. 

As this was paid by Insurance or other government agency directly to the original creditor and the original creditor has determined I am not the responsible paying party this should be deleted from my Consumer Credit report and not just updated to show a paid collection. 

In addition after my dispute directly with XXXX, the furnisher of this information Amcol Systems went in and done an update to my credit report and marked it as a closed derogatory account and changed the close date to reflect XX/XX/XXXX in order to make this account look like a new closed collection in a further attempt to damage my credit rating and cause me to suffer financial losses by having to pay higher interest rates. I want this removed from all credit reporting agencies.
I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my trucking business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
I am a XXXX veteran. I have been give student loan forgiveness. All Loans were supposed to be rolled into XXXX and then discharged. I disputed this with the XXXX. Upon checking my credit report today I noticed that instead of the company placing a dispute on the original account. They just created another identical account and added the dispute to that account, leaving now XXXX accounts on my report.
I had a chase credit card that was linked to a bank account that I no longer used. I made a purchase with the chase account and made payments in XXXX, XXXX and XXXX on the account. Each time I sent the payment, Chase sent an e-mail stating that my payments had posted. In XX/XX/XXXX I logged onto my account and to my surprise, it said that I was 30 days late and owed a whopping {$90.00}. I then realized that my current XXXX bank account was not linked to the Chase card, therefore the XXXX - XXXX payments were being returned due to insufficient funds in my old bank account. A month after the payment was made my credit score went up, so I thought that it was no big deal ( since I have never been late on a payment in my life ). Today, I received a credit report through XXXX that said my credit score dropped. Over the course of 6 weeks my score went from XXXX to XXXX. I was told it was due to the late {$90.00} payment. I called Chase to rectify the situation since I obviously tried to make the payments and they did not send me a message that indicated that my payments were being returned. The supervisor stated that since it had been 90 days since the payment was late, there was nothing they could do. I believe this is unfair since I had no idea that it was going to negatively effect my credit score.
I went to Wells Fargo to refinance my debts because I had lost my job and my income had substantially decreased. Instead of consolidating my debts they convinced to take out a new credit card. They told me to put down my previous income ( I was unemployed ) and the loan officer said " Because your probably going to find a job soon ''. My debt continued to get worse and worse and then they gave my son a credit card saying I could use that too. All together I think I had 6 Wells  Fargo bank accounts and three credit cards. When my debt finally got to be more than I could handle, I could no longer pay. Then Wells Fargo sued me in court. I could n't afford an attorney so I attempted to represent myself. Now my credit is destroyed and I 'm starting all over again. <P/>I wish they had just helped me refinance my debt.
I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX and XXXX. I now live in XXXX. Someone has you my information to open accounts and credit. 
XXXX XXXX File Number : XXXX XXXX Report Confirmation # : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID The
I have sent 2 certified letters to American Account Advisors Inc., the first letter was dated XX/XX/2017 delivery confirmation number is XXXX, the second letter was dated XX/XX/2017 delivery confirmation number is XXXX, both my letters are attached to this complaint. 
My letters to American Account Advisors Inc were requesting validation, including evidence bearing my signature, showing that I have or ever had a contractual obligation with American Account Advisors Inc. My letter included instructions to verify the debt or remove the negative markings for accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from my credit report. 
American Account Advisors Inc. neglected to respond to my letter from XX/XX/2017 within 30 days and have violated the FDCPA 807 [ 15 usc 1962e ], as of XX/XX/2017 the items are still reflecting in my credit report.
XXXX is attempting to foreclose on my property with fraudulent robo signed assignments. I have asked debt validation, and sent 2 QWR. I have not received a response from either. The assignment are fraudulent and fraud can not be the basis of obtain a deed ; therefore, the notice under power of sale is fraud and cant be used to conduct a foreclosure.
I was contacted by a company known as CMRE months ago, who did not even discloses themselves to me as a collections agency ( I had to ask several times if they were a collecting on me before they responded ) and i paid them over the phone. I had never received any mail or phone calls that I had outstanding debts or was at risk of being collected upon. Several days ago they called me asking me to pay the IDENTICAL amount for the IDENTICAL bills which were already paid.
We submitted a financial hardship package with XXXX XXXX 3rd party source, they verified Rushmore received a full financial package,. Rushmore failed to communicate with our representatives in timely manner and we have received a foreclosure notice for XX/XX/2019 Rushmore told us we are not eligible for a full review,, they also have failed to communicate alternative program options for us and we have exhausted all our options and do not have the funds to re-instate the loan Rushmore is know to not return calls, and fails to communicate efficiently. Agents are not trained property to be sensitive on the accounts
I have a debt on my credit report for American collection systems for XXXX New York that should not be there because XXXX servicing is already handling all my school loans.
This company keeps calling several time a day. We have asked them to send a statement in the mail so we can verify what exactly the debt is for. They told us that would just take further action and hung up on my wife. They called me at work after I asked them several times not to call me at work. When I asked them to send a statement in the mail they gave me their address and said they emailed us a statement. When I again asked for a paper statement they said they would just have me served. They are also calling my mom and dad and giving out my birthdate and the last XXXX of my social security information. After several times of them telling them not to call they keep calling them. We have asked them several times to send us a statement and when we do that they threaten to have us served and hang up.
Hello, I have previously reached out to Coinbase in three separate emails, but have not received a response. Coinbase states account issues must be resolved through email and can not be resolved through phone support. I simply want my money returned. I have included a timeline below : XXXX XXXX, XXXX - Purchase {$650.00} of XXXX, XXXX, and XXXX using Coinbase. The purchases were effected through the used of a linked XXXX XXXX account. At XXXX on XXXX XXXX, I received a notice of closure email from Coinbase stating I had violated the terms of service, and that my account would be closed. I have reviewed the terms of service and am certain that I did not violate them in any way, shape, or form. The same day I noticed that I had {$650.00} of pending ACH on my bank account. This was fine as I thought it would fall off. 

XXXX XXXX, XXXX - Coinbase withdraws {$650.00} from my bank account. I checked my " closed account '' page on Coinbase which indicates that I have no money in my XXXX, XXXX, XXXX, or XXXX wallets. I was very concerned as Coinbase treated my account as having been closed out with zero balances despite withdrawing {$650.00} from my bank account. 

I have yet to receive a response from Coinbase and believe that the company has wrongfully withdrawn money from my bank account. If there is a reason for the current issue, I simply want an explanation. At the end of the day, I only want my {$650.00} returned.
I spoke to several representatives in the office of consumer affairs dept of Equifax numerous times. The reason i needed to contact that dept is because they have my credit file locked so i ca n't view my file on any  3rd party cr edit monitoring sites (  XXXX ,  XXXX ,  XXXX  ). everytime i contact this dept i am kept getting the same respon se ( its for my protection to block your credit file ). I ask   XXXX   XXXX   ( lik e the month ) at the equifax office of consumer affairs what is the options for me to view my fico score and credit report. She informed me that the only way for me to view my file and fico score was to purchase their credit monitoring service a t  XXXX /month. I feel like i a m being LIED TO!   XXXX   XXXX    WAS VE RY   XXXX  ON  THE PHONE CALL, THE CALL WAS RECORDED SO IM SURE WE COULD GET THE RECORDING OF THE CALL. I WANT MY CREDIT FILE UNLOCKED SO I COULD VIEW MY REPORT PLEASE!!!!!!!! THIS IS NON SENSE AND VERY UNPROFESSIONAL ... ..  <P/> I WANT TO VIEW MY FICO SCORE AND FILE AT MY REQUEST NOT EQUIFAX REQUEST .... THANK YOU!!!!!!
In XX/XX/XXXXXXXX XXXXXXXX XXXX called me up and said i was pre-approved for a mortgage refinance. We talked briefly and he requested a credit card to pay {$250.00} ( half of the appraisal fee ). I was charged {$250.00} on my XXXX  in XX/XX/XXXX and no one called me to schedule the appraisal. I then called XXXX XXXX XXXX in XX/XX/XXXX and asked if my loan application was moving forward and requested to be contacted by the appraisal company to schedule, i was never contacted. Then a letter in XX/XX/XXXX from XXXX XXXX arrived disclosing that I am not approved for the Loan and XXXX XXXX XXXX is not responding to email, text or call.
XXXX XXXX XXXX  nmls # XXXX XXXX XXXX XXXX  XXXX XXXX Senior Mortgage Specialist p. XXXX x.XXXX f. XXXX  XXXX nmls # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX