WillisBack/dataset-financial-user-claim huggingface dataset:
this is the 2nd attempt to resolve this matter in relation to a XXXX account that was started in my name. in my previous complaint i have REQUESTED that XXXX or diversified consultants to send me ALL proof of this account when it was started, how it was started, and a copy of the drivers license, or signature that they had on file when the account was started. i have asked numerous times to VALIDATE that this account was truly set up by me or if this account was even started at all. i have been in compliance and mailed my fraud affidavit in XX/XX/2017 along with my drivers license that showed the date of issuance for XXXX fl at the address XXXX XXXX XXXX  XXXX XXXX XXXX fl, along with a savings account bank statement dating the specified times requested. and police report for a miscellaneous crime to XXXX fraud department and have not heard from ANYONE. i am getting weary and do not feel like i have to keep trying to prove that i did not set up nor use said account. so this is my 3rd attempt to ask XXXX or diversified consultants to send me PROOF that it was indeed my account and that I AM REQUESTING the store location as to where this was started and the sales member to be identified who allowed someone to start an account in my name without me being there. the name on the account is XXXX XXXX that alone should suffice that you have the wrong XXXX. my name is XXXX XXXX. XXXX i have never had my name changed to anything else. as stated above i need ALL documents in relation to this account especially how it was started and what verification XXXX went through to make sure that it was indeed I XXXX XXXX that was starting services. if the two company 's can not provide these requested documents then you MUST report to all bureaus for deletion for reasons of no validation. thank you.
* I have created a new login because I am trying to dispute response from Bank of America in case number XXXX. My phone calls were never returned from XXXX XXXX at XXXX extention XXXX. Was on vacation until XXXX/XXXX/XXXX then given another extension XXXX, I left message and never received a call back. No one is returning my calls. I have notified my lawyer also with the response on this dispute. Bank of America is claiming I am still liable for this debt even though the XXXX reads " Total debt is discharged with an Indentifiable Code : XXXX " which means the debt has been canceled. I have filed that XXXX with my XXXX IRS filing and paid back taxes on that debt already. I need to know specifically what documentation they need to fix this matter. I also want this dispute forwarded to a manager/supervisor along with direct phone number and fax number to call back and get a live person and not a voice mail. My lawyer has a copy of everything I have forwarded to you and I should be hearing back from my lawyer the next few days also. My credit reports are now back showing " delinquency ". I have filed and paid taxes on this " discharged debt ''. This account once again should be closed, a charge off canceled debt with {$0.00} balance.
I had an account with CHASE bank in AZ.It was closed and my balance of around XXXX was sent as chaeque to my U.S mailing address.As i had left the country by then, the cheque was not recieved by anyone.When i contacted the bank they said that they need an affidavit indemnity attested by the US XXXX in my country.But they are not sending the document to me instead they want to send it to the XXXX via fax.But the XXXX is saying the document has to be brought in person for attestation.Please help me in this.
Experian Credit Bureau has an incorrect version of my on the credit report. In the section where they names, my last name is misspelled : XXXX. My last name is spelled is XXXX.
The company did not pay property taxes, although we have an escrow account to make sure taxes are paid and paid on time. We we contacted them they paid some of it, but still left money to be pain which we ended up paying out of pocket. We have had several phone calls regarding this issue and it is still not resolved.
I am filing a report against Santander consumer due to account is on my report after it was agreed to be removed on XX/XX/2018. 

I have sent a letter and spoken with several representatives, requesting for them to remove and which they agreed. 

However its still showing and reporting negative on my credit report.
Today ( XXXX/XXXX/16 ) I was reconciling my Chase Mileageplus Visa statement received on XXXX/XXXX/16 and noticed that the credit card company charged my an annual {$95.00} fee. When I signed up for this card it was a free card - I did not realize that the fee was only waived for 1 year. I did not receive any notification that I was being charged the {$95.00} nor did I sign any kind of charge slip or acknowledgment to pay the {$95.00}. It was just placed on my account. I called the Chase Mileageplus Visa today to cancel the card and was informed that I am past the 30 days from the statement date ( XXXX/XXXX/16 ) and therefore the charge will not be refunded and they will not prorate the charge. I am 9 days past their deadline, and I explained that I just noticed the charge. I suggested that the charge be prorated and they refused to do that. Again, I did not receive any communication letting me know that they were charging me {$95.00}. I spoke to a manager who could not do anything, and she indicated that I could mail or fax information to headquarters or some place. A fax machine in 2016? I asked for an email and she indicated that they did n't have one. 

In addition to the annual fee, one of the reasons that I am cancelling this card is because the XXXX XXXX passes that they offer as a benefit are not be accepted at many of the locations including my home airport in XXXX. It is very deceptive.
Date : XX/X/2017 Amount : {$170.00} Action Taken : Made payment to XXXX and advised by XXXX Representative the account would be removed from credit report. Stellar Recovery refuses to remove the account as promised by XXXX. 


There was a collection item on my credit report from XXXX that I was not aware of. I did the online chat with XXXX and the representative from XXXX told me if I paid the account in full they would remove the item from my credit report. I called Stellar Recovery to let them know that I paid the account and to let them know XXXX confirmed with me that the account would be removed. The representative from Stellar Recovery told me she would not remove the account from my credit. I told her I had the transcript of my conversation with XXXX along with the confirmation that I paid and she continued to let me know the account would not be removed. When talking to the XXXX representative he confirmed with me more than one time that this account would removed from my credit report. I do not have what else I can do as I was told by the representative that it would be removed. I have a copy of the transcript and confirmation of the payment if needed.
Seterus, Inc. was transferred a mortgage from XXXX. The said mortgage was surrendered in Bankruptcy No. XXXX and was discharged on XX/XX/XXXX. Seterus began reporting this mortgage as collections in XXXX. In trying to obtain a new mortgage this came up on the credit report and is hindering us from obtaining the mortgage. Several letters from my attorney were sent advising of this situation and we have had no resolution and they advise it will take 30-45 days to even get a letter from them indicating they were incorrect on their reporting.
Navient Has constantly been calling family, friends and work. even after they have been told not to contact due to the fair debt collection act. I told them I can not receive those calls at work and they got an attitude and hung up. They illegally recorded my father after he said not too and asked for his ssi and other info. They also called mother, sister, uncle and other family members that have no business being involved in this matter. They are constantly calling and harrassing. It has become unbearable father tells me they call every other hour. Parents are not cosigners on any loans. The one loan with my sister on the loan is current and they should not be calling her if it does not regard that specific loan. They have been told and to no avail they still do it.
I have contacted Capital One XXXX time for information pertaining to a charged off credit card reported on all XXXX of my credit reports. They stated that the account was charged off when Capital One purchased XXXX. I said i have never received a XXXX cancellation of debt form and requested one XXXX separate times. After the third phone call received a XXXX form from another account i had with Capital One ending in # XXXX, not the one i requested. I extensive records of every credit card and credit card bill from over 10 years back and i can find no record of ever having this account or having this card with Capital One. The only information i can find about this account is on my credit report stating a balance of {$2700.00} and the last XXXX digits of the account # XXXX.
XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with LexisNexis. On XX/XX/XXXX I received credit reports from XXXX XXXX, XXXX, and XXXX that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under. XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by LexisNexis. XX/XX/XXXX I called LexisNexis who verified I had placed said freeze and suppression of consumer file XX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.
To whom it may concern, I have been trying to resolve this on going issue with the XXXX XXXX XXXX XXXX, Experian, and XXXX since XX/XX/XXXX, to remove a student loan debt that dates back to XX/XX/XXXX from my account. Since they updated my account in XX/XX/XXXX for a very small balance this triggered an update to my 3 credit bureaus as a new activity. This update flagged my accounts in the 3 credit bureaus ( agencies ) as a bad debt that was paid, a derogatory account status, and a previous collection status that was paid. This unfair practice has hurt my credit, disallowed me to purchase a home, and is an ongoing burden. 
This malicious attack is unjust and has prevented me from obtaining a mortgage and getting other types of loans. 

I have been trying to work with them to have it be removed from my files, it nothing has been done. As I attempt to dispute this matter, my credit score goes down further and further as they tag my account as a dispute when the credit bureaus go into the account to update it. I would appreciate it if there is something you can do to help, this is an unfair practice placed on consumers like myself. 

I have attached a letter from the XXXX XXXX XXXX XXXX regarding this matter to help solidify my position. Thank you again for your immediate attention to this matter.
Im a victim of identity thief someone got my information and used my credit cards and buy lots of stuff when I found out I called the company XXXX and XXXX to report the activity and I was still paying my bills until they closed the account and still wanted me to pay for something I didnt use
I have a Capital One Credit Card with a promotional period of zero percent. Nowhere on my statement does it remind me of the pending expiration of that promotional period, neither does it state anywhere on my online account summary, and I had to initiate a chat session to find out when my promotional period expires. No explanation was given as to why this information is not readily available on demand.
A collection from my former place of residence has been placed with ProCollect. I have a Police Report as well as copies of stolen payment that were provided to ProCollect via regular mail and email to the representative that has continued to call my cell phone and try and contact me wanting payment for a debt that is invalid and they refuse to provide documentation for. 
A copy of a police report, as well as copies of the stolen XXXX XXXX payments, were mailed to this company. After being told by a XXXX XXXX that this documentation was not received and I should email it, I did that as well. Given that I am still receiving bills for {$830.00} in the mail and phone calls, this company clearly has not taken any action other than ignoring the documentation that was provided. 
I do n't appreciate the phone calls. I do n't appreciate the complete lack of documentation that this company has been able to provide regarding validating the debt. I especially do n't appreciate the fact that I have sent personal documents on two separate occasions and this company has yet to acknowledge that they even received them.
I deposited a federal check and couldn't access my funds for 11 days. They told me that my check was deposited two times when I called the XXXX #, witch made me confused, stress out, at that time I had was buying a Automobile was to give them my down payment. When my bank Chase held my check They almost Void the purchase of the Automobile I gave them my friend blank check to hold. Where I paid an insufishent fund 's because it bounces. I call Chase Corporate office, they still told me I had to still wait. I got frustrated raise a big fuss. The finally I got access to my funds, not in proscribed time of witch it should have been cleared. This took place the month of XX/XX/2017. Caused me a lot of XXXX and stress. I told them I will submit a law suit.
The private loan handler of Nelnet, First Mark services repeatedly calls at all times of the day and night. There are multiple phone calls all day long. XXXX phone call is all that is needed. They can leave a message and I will retrieve it but repeated phone calls on the same day are not warranted
I was turned down by banks for car loan because of adverse information supplied by TransUnion. Per instructions from turn down banks, I wrote to TransUnion for a FREE copy of my credit score and credit report as provided by Fair Credit Reporting Act. 

They sent me a credit report with this XXXX sentence, " You did not order a TransUnion credit score. You can purchase your credit score for {$9.00} by calling XXXX. '' It irks me beyond words how these monster companies try to XXXX consumers at every twist and turn! The behavior is criminal, in my opinion!
My father co-signed for my private student loan fro m the College Fo  undation o  f NC. In 2011, h e filed for bankruptcy. At that  time, CFNC apparently sold off my loan to some guarantee agent, but I received no communication from them about this. They claim to have mailed me a single, paper letter in the mail, but they mailed it to my parent 's house, and I never received it because I was living at school. They had my email address and  phone number, and I had previously received communication from them via email, but I had never had any contact with them through the mail. I never got their letter and was left completely clueless as to the status of my loan. When I logged into my online account, it showed a {$0.00} balance as well as a credit for the principle balance, so I assumed that it was being handled through my parents ' bankruptcy. They al so reported my loan as closed to the credit bureaus, and nothing from the guarantee agent ever hit my credit report ( I also never received any communication from them ). Apparently, it spent the entire 5 years my parents were in bankruptcy garnering interest, which they have now added to the princip al balance of the loan. I had no way of making any payments on the loan, having never received any contact information for the guarntee agent, and there was no contact information on their website or any other indication that the loan was still active. Had I been provided with a means of paying down the loan, I would have done so and would not have allowed it to sit for 5 years gathering interest. I have tried contacting them numerous times about this over the last few weeks, but they claim that since I missed their " letter '', they are absolved of any further responsibility to me. I am not even sure this letter even exists and, they were unable to provide any proof of mailing. I have also requested a statement detailing how they have calculated the interest due on the loan for the last 5 years, and they have not provided that either.
Call CapitalOne about letters I received about both of my cards being closed due to a payment that fraudulent. I notified CapitalOne of a strange payment that had been made for {$5000.00} on one of my  CapitalOne cards. I also contacted the bank the payment came from XXXX XXXX in Massachusetts ( not my bank ). Because of a fraudulent payment CapitalOne closed my accounts. The account that the payment supposedly came from was a closed account. I was a victim of a scan of some sort. 
When I CapitalOne today as to why I was being punished by having my cards closed, the agent " XXXX '' was of no help, laughed at me and hung up.
I signed up for a CitiGold checking account after receiving an offer for XXXX XXXX miles if I met the requirements for sign up. After opening the account, I messaged citi on XXXX/XXXX/16 asking if I had met all the requirements for the offer. A representative responded on XXXX/XXXX/16 ( message ID : XXXX ) confirming I had met the requirements and would receive the XXXX miles within 90 days. After 120 days and still no miles, I sent another message to Citi. They responded saying I was not eligible for the offer and that I would not receive any miles.
Around XX/XX/2018 I contacted my mortgage company to see if they were having refinancing specials such as paying for the appraisals and they said yes. So I applied to refinance on my home. They asked me what I thought the value was and I told them what last years ' value was based on a previous refinance which was {$160000.00}. I was approved to refinance and after submitting all my paperwork I was told a few of weeks later that an appraiser needed to come out and that I had to pay {$510.00} for it. I questioned the part about having to pay because initially I was told that I wouldn't have to so after consulting with their people, they said that I would get it back in closing. I asked if they could use the appraisal from last year since it was with the same mortgage company and they said no. Well the appraisal came back less than the previous years ' report. It was appraised at {$120000.00} and they denied me the refinance. I don't understand why my approval was based on last years and if that was the determining factor why didn't they do that first. I owe {$100000.00} on my home and couldn't understand why they wouldn't just refinance it with that amount. I felt discrimination from the appraisers when they came out and that they wouldn't give me a fair report. The home across the road from mine is listed to sell for {$490000.00} and the homes are valued much higher than that. I disputed that appraisal because the report wasn't accurate and the listing on XXXX doesn't give the accurate report of my home. The sq ft that's listed on XXXX is 1495 when actually it's 3400 sq ft. My dispute was denied and if I wanted to proceed with the loan application I would have to bring {$10000.00} to closing which I didn't understand. So the loan was denied and I'm out of {$510.00} and another inquiry on my credit report for the next 2 years. Which caused my score to drop. I still would like to refinance my home to take care of the financial needs that I have. I'm not sure what to do at this point and need help to at least get a refund.
Dear Consumer Finance Protection Bureau, I am writing to report that it appears Capital One has presented a false appearance of resolving this issue to the CFPB. Once the CFPB case was closed, Capital One reversed all corrective actions it had made after acknowledging and implementing the resolution.

Capital Ones actions in this matter appear to rise to the level of negligence under Arizona case law.

On XX/XX/XXXX I received a letter from Capital One ( See attached Exhibit 1 ). Capital One stated that the charges would be removed and their apology for my inconvenience, which was done.

On XX/XX/XXXX, the CFPB case was closed.

OnXX/XX/XXXX & XX/XX/XXXX the Capital One resolution actions were reversed.

On XX/XX/XXXX, a certified letter ( See attached Exhibit 2 ) was sent to Capital One and received on XX/XX/XXXX explaining that Capital Ones actions in this matter appear to rise to the level of negligence under Arizona case law. I have received no response.

Capital One, through their agents was party to the fraud perpetrated against me. Acknowledging this is not the typical fraud case and the types of fraud is growing at an alarming rate, Capital One should have alerted me of this possibility and should re-implement the corrective actions by removing the fraudulent charges and associated interest and fees.

Thank you in advance for your prompt assistance in getting this issue resolved.
Experian appears to be mishandling personal loan records as used to calculating FICO scores. I have recently restructured $ XXXX of debt. It has been more than 30 days since I have done so. Despite a basically perfect history of payments to my debt, several of the personal loans and credit cards lied about reporting in a timely fashion, suggested I would have to wait 90+ days for them to report, and after multiple disputes with Experian , XXXX and XXXX I 've finally gotten them all to reflect that I have less than {$400.00} of credit card debt at this time ( in actual fact it was {$0.00} until yesterday XX/XX/2016 ). I have been forced to pay $ XXXX a month to Experian and XXXX to track the status of their reviews and my accounts which have been repeatedly incorrect and in the case of at least XXXX account the incorrect balance cycled multiple times from {$14.00} to {$1000.00} all the while never being anything but {$0.00} for more than 30 days. I have now noticed twice that Experian has suddenly reduced my credit score by as much as XXXX points because first they do n't notice I have XXXX remaining personal loans ( XXXX auto loan, XXXX unsecured loans ). Then their own system explains they are deducting points from my score for having XXXX or XXXX personal loans. I have called twice on this matter. No one can explain why one part of their system says I have XXXX personal loans ( correct ) while the FICO score system reports I have currently XXXX personal loans ( incorrect ). Once their system does this, it is always a matter of 48 hours before myFICO reports the credit score deduction. I will attach a document to my complaint showing on their website the report of XXXX personal loans. It is not acceptable to me that I restructure my debt to gain control over {$1700.00} a month in income only to have my credit worthiness misrepresented by Experian who charges me a monthly fee of more than {$20.00} for the pleasure of making me chase them to report valid information.
XX/XX/2016 I received a call from Discover stating they were calling because someone was attempting to use card, I then informed them it was not us. I was under impression that they would not allow transactions to go through. Well XX/XX/XXXX I receive an outrageous bill, they allowed the transactions to go through. I filed dispute end result was that signatures match so they determined it was n't fraud. It is in fact fraud, I asked them to show me footage of security camera and that I had told them not to allow transactions because we were both at work, not out shopping.
XXXX XXXX XXXX is attempting to collect a debt from XXXX that was discharged thru bankrutpcy. Plus on top of that I never received any information about this debt before it hit my report. I would of told them it was no longer owed. Thirdlly the original debt was in my mother 's name XXXX XXXX.