WillisBack/dataset-financial-user-claim huggingface dataset:
I am having some difficulties obtaining information regarding my 3 Capital One credit cards in " restricted status ''. 

I contacted the Capital One call center on XX/XX/2019 - the offshore representative said she would not obtain any details since it was with the Fraud Department but I was going to need to provide 3 documents for them to review. I was not willing to provide documents without more insight into what was happening or the issue being investigated. I asked to be transferred if a Supervisor but after waiting on hold for over 8 minutes -- I disconnected the call. 

I contacted the Capital One call center on XX/XX/2019 - I was routed through the auto-dialer to the Fraud Department. The representative was polite but unable to give me any detailed information about the status of my accounts. He explained I would need to provide a picture of my Oregon Driver 's License via a secure email link. Upon review, I would receive a phone call advising on the status of my accounts. I received the email, took 4 pictures of my ODL, and attached to the secured link and received a confirmation message indicating the transmission was successful. 

I contacted the Capital One call center on XX/XX/2019 - I was routed through the auto-dialer to the Fraud Department ( XXXX  ). I voiced my frustration about not receiving any status on the review nor a call as indicated by the XX/XX/2019 rep. XXXX advised no documents were received and provided a little more detail into possibilities of someone else attempting to retrieve or access my account. He did not or could not provide specifics. He sent me a new link to provide my documents and waiting on the call with me to confirm receipt. He was not able to confirm receipt since the documents again were not received. He was going to consult another party to confirm if there was a technical issue to explain why my documents were not being received. Then, the call disconnected. 

I can not begin to express to you how perplexing, concerning, and frustrating this has become to me as a long-standing Capital One customer. I may not have thousands of dollars of CC activity each year but I am definitely a customer who pays their bills and is paying monthly interest on my credit cards. I NEED someone to explain to me the specifics of the current restricted status of my accounts. I NEED someone to confirm receipt of my previous 2 submissions. I do not think it is too much to ask especially since it is MY personal information Capital One is requesting and asking me to compile without giving me any details. It is an odd way to do business and definitely lacks transparency. 

I noticed the restricted message on my Capital One mobile app when I was checking the status of my autopay. There has been no verbal or written outreach by Capital One to me to advise or inform about the status of my account either.
My ex husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the divorce settlement. I have attempted several times to contact both the credit bureau and XXXX store card and neither will knowledge this.
I have an account with experian thatbive been trying to cancel for 2 years and can not get cancelled. Theres no option to cancel on the website, Ive tried calling to cancel and can not get through to anyone at experian. Its a monthly recurring charge that has increased since it started.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Someone my ex wife is using my social security number and personal information along with other people that stole my ID card to give her for use. Have capital one info in my name and social security number in never used or tried.
MyXX/XX/XXXX bank statement shows payment withdrawn XX/XX/XXXX and have delivery confirmation that payment was delivered onXX/XX/XXXX. While I understand that a late fee is assessed ( included amount in payment ) the final monthly payment was made within same month and I should not have been reported as late to credit bureaus. I provided information to company but they have refused my documentation.
Modify my loan in 2014 Select Portfolio Servicing ink agreed to take off late payments after modification was approved this never happened it 's affecting my credit score terrible they committed a felony conspiracy to commit fraud conspiracy to commit extortion Insperity commit and Corruption
I visited the office of XXXX XXXX on XXXX XXXX, XXXX for medical check up. At the time of visit, I paid my copay, gave a copy of my health insurance and driver 's licence. On XXXX XXXX, XXXX, Capital Accounts LLC reported open collections of {$530.00} on my SSN to credit reporting agencies. I have never received any communications from either XXXX or Capital Accounts LLC explaining the charges or any notices before sending the account to collections. When I contacted XXXX office, they told me that I have around {$100.00} in balances not covered by my insurance. When I contacted Capital Accounts LLC, they told me that they had sent a letter about this debt to in XXXX. When I asked for information on that communication, I found that they had sent the letter to a person with wrong name and wrong address. Irrespective of them failing to communicate properly to me, they have placed five times more than the balance that I owe in collections. First of all, I do n't even agree with the actual medical bill as I have n't seen the charges are yet. I have never had a late payment, unpaid balance or collections in my entire credit history. This wrong collection has affected my credit score and history and has put me under immense XXXX. When I contacted Capital Accounts LLC, the representative was very rude and threatened me that I have no other options except to pay the debt and get it out of my credit report.
I received a notice in the mail from this debt collection company CPA on XX/XX/2012 for {$290.00}, stating the original creditor : XXXX XXXX XXXX - XXXX. It was addressed to me by name, however it lists my SSN XXXX which is not my SSN or my Fathers ( who was linked to my XXXX XXXX Bill ) in 2012 I contacted XXXX XXXX and gave them every piece of information about my account with them and the account numbers CPA listed on the collections notice. They affirmed that I do not have any outstanding account with them and had no files or information linking me to any collections agencies. I have tried reaching out to CPA via phone but I believe they have been shut down by the FTC to some degree. I am filing this complaint based off advice from other people with similar issues with CPA. I do not owe any money to XXXX XXXX. I returned my cable box and payed all balances in 2012. I even returned my friends cable box the same day I returned my cable box and closed my account
Elan Financial Services has recently taken over servicing my Credit Card from XXXX. In conjunction with the takeover, they have mistakenly blocked valid transactions due to suspected Fraud, they have limited the ability for me to see transaction history on-line, and they have reduced my reward earning.
Equifax is refusing to remove outdated negative information from my personal credit report. There is an account with XXXX XXXX XXXX XXXX with a XXXX balance that has late payment history from 2012 indicated on my credit report. These late payments began XX/XX/12 according to XXXX. I have disputed this information with Equifax multiple times yet they refuse to delete the outdated information. They do not list a date of first delinquency on my credit nor are they able to provide a date of first delinquency when I have contacted them by telephone. 





It is my understanding on the FCRA : Late payments remain on your credit report 7 years from the original delinquency date, regardless if the payment is made and the account is current or if the account is closed and the payment is never received.
Every month I automatically make my mortgage payment to TCF from a bank account I have set up with TCF. Under the terms of the home equity line of credit, I must make the payment from an account at TCF. Periodically I replenish funds in that account ( from my checking account at another bank ). To remind me when funds are running low I have notifications set up with TCF so I receive an email if funds in that TCF account are running low. Normally this all works just fine.
However, TCF just upgraded their web services, and in doing so my notifications did not migrate to the new system. I called TCF, and they were nice ; they reversed the {$37.00} charge to my account. 

The reason I 'm writing this note is that I wonder how many others have been hit with fees, but perhaps are n't as well equipped to sort this out. Seems a little unfair.
I check my mortgage and escrow account regularly. For months my escrow account had a surplus of {$570.00}. The website stated that Nationstar Mortgage will be mailing a check in that amount to XXXX XXXX XXXX, XXXX, New York. On XX/XX/2018 Nationstar Mortgage did an annual analysis of the escrow account and sent me a check in the amount of {$140.00}. 

I called and asked where the check was for the {$570.00}. I was told that the check was sent to me. I stated that I never received a check for {$570.00}, only {$140.00}. I was told that a stop-payment would be put on the check and another check would be issued. A week later I called again and was told that whomever was to get the check issued failed to get the appropriate approval and the issue was sitting on someone's desk. Several days later I called again and asked where the check was for {$570.00}, and was told that I received the check and cashed it. I again stated that I never received a check for {$570.00}, and only a check for {$140.00}. They have not gotten back to me.
On XX/XX/XXXX Southern Credit Recovery received and SIGNED the return receipt mail ( dispute ) that I sent to them. On XX/XX/XXXX I obtained a copy of my credit profile and noticed they did NOT COMPLY with Fair Debt Reporting Act Section 623 ( a ) ( 3 ) and Section 807 ( 8 ) by not placing a dispute remark on the credit profile to the 3 credit bureaus. A well as they did NOT VALIDATE or VERIFY this debt. They did NOT send me a signed contract or anything that shows I am obligated to pay for this alleged debt, which is NOT mine. 
Enclosed : front and back of certified mail with their signiture showing receipt and a print out of my credit profile showing it was not placed for dispute in the amount of time given.
I ). I have previously asked all three ( 3 ) credit bureaus : XXXX, TransUnion and XXXX to disclose how they have verified the bankruptcy information that is being reported on my credit report. I have asked that the following information be provided with the proof of verification : Method of Verification If the listing gets verified and remains you have the right to request the credit reporting agencies method of verification. Request the credit reporting agencies send you the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. II ) To date I have yet to receive the requested information. I have been told that pursuant to the Bureau 's investigation, that the reported information is correct. III ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states in pertinent part, " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available IV ) Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. V ) Pursuant to FCRA, Section 611, the Bankruptcy Court is the furnisher of information, and not a third party source such as XXXX or XXXX XXXX. VI ) None of the Bureau 's have provided evidence that they have conducted a direct investigation with the Bankruptcy Court. VII ) Furthermore, in XXXX 2017, I III ) In XXXX 2017, I confirmed with Bankruptcy Court listed below that it does not directly report to the credit bureaus. This would explain the inability of any of the Consumer Reporting Bureaus in providing the requested information. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX VIII ) For the reasons provided above, the credit reporting agencies are in violation of FCRA, Section 611. In conclusion, the reported Bankruptcy information should be deleted.
Credit Acceptance Corp reported my husband and I 30 days late on both of our credit reports. I called to ask them what happened because I had made a payment and it posted to my account and I had a confirmation number. Credit Acceptance traced the payment to our 2nd car loan account and found that the payment had been placed on the wrong account. Well our insurance also just paid off that 2nd car due to an accident from all the horrible snow we have gotten. Credit acceptance said that even though the payment went to the wrong account they couldn't open that account again and place it o the right account because the account was paid off and closed now. I spoke with a XXXX from Credit Acceptance and she said that she was placing a note on our file that her supervisor told her for us to dispute it and then when it is investigated the can let the credit company know what happened and that it was not late. Well we disputed it our dispute came back today saying that credit acceptance told the credit bureaus that it was true and accurately reported as past due. So obviously whoever did the investigation is just horrible at their job and not very thorough or the person working at Credit Acceptance didn't look into our file to see the notes they said they had placed.

Either way, this company has violated our FCRA rights and is making false allogations because they can look into their system and see that our payment was made in to the 2012 XXXX XXXX   account not the XXXX XXXX  account like we said and then see the notes from previous phone calls that they are supposed to be taking as part of their jobs. They also said the call was recorded so there are those records as well.
I open a account with XXXX  XXXX and place a order for some items I never received. i asked them to put a tracer on the items and tell me who sign for it they told me they have a signature i asked them to provide it to me they told me they could not that I have to sign a form which i did i never received the signature they kept asking me for payment I told them I'm not paying for anything I have not received so what they did was charged off my account and sold it to XXXX XXXX  now I have a charge off from XXXX  XXXX and a collections from XXXX I called XXXX and they told me they will do a complete investigation after a month went by they wrote me back and said our investigations show you never sign for does items and they remove the collections off my credit report and I owed them nothing they advise me to to take this letter and send to XXXX so they can remove the charge off from my file for which I did XXXX  XXXX  told me 6 times they would remove it this started in XX/XX/2016 as of today the charge off is still on my file I recently called and they say they got a signature I told them to provided it they say they can't find it I just want this removed
HiI live in USA and While applying for a job online. One bad day I received a call from so called XXXX from unknown number and taken my interview. Post that they mailed me job contract which I sent them back signed. The job was for a XXXX company based in XXXX, XXXX named XXXX. The job mentioned was of a sales and payment coordinator in which I have to collect/receive payment from the customers who are willing to avail travel services of the company mentioned and will pay on behalf of the services they enjoyed or intend to enjoy. Since the company does n't have office or branch in US they are recruiting such agents like me for collecting the payment. 
One day I received a mail via XXXX at my address containing a check of XXXX/- USD of XXXX XXXX XXXX on which my name was written as a beneficiary. Immediately after I received a mail from company 's head agent who was suppose to be my manager named XXXX XXXX stating that I need to deposit this check in to my account and after deduction of XXXX % ( e.g. XXXX/- USD ) have to send the balance money to some address in XXXX via XXXX. I forgot to tell that according to their job contract I shall be paid USD XXXX/- a month as a salary as well XXXX % of the commission of what ever the payment I collect. The tax and other IRS and legal expenses will be born by them. Considering this offer a lucrative one I accepted and as a first task I received this check of XXXX/- USD which I deposited in to my wells fargo bank 's checking account. While going to withdraw the balance amount ( XXXX % after deducting my so called XXXX % commission ) on next day in to the bank I came to know that the check could n't be cashed because it 's a forged one. That 's fine but additionaly the bank has close my account and debit/atm card saying that I am no more be able to use or bank with wells fargo bank not now nor in future as my banking relationship with the bank is ended because of this forged check I deposited but not cashed or withdraw. I became a victim of someone else 's forgery but I am punished by closer of my account. I spoke to bank manager personally as well to customer services and also to their fraud department. They all refused to re-activate my account saying because of this forgery your account is permanently closed and better you find some other bank to deal with not well fargo. 
My concerns and the help I seek from you are as follow ... 
1 ) Can bank close my account in such case/2 ) Can they re-activate/reopen my account considering me a victim of forgery? 
3 ) Do I be considered guilty in such case? How? Since I am not the culprit but a victim? 
4 ) Will this incident reflect bad in my back ground check? 
5 ) Will this be effect any thing adverse or bad on my credit score? 

Please help me answering this.. 
Thanks a lot in advance. 
Rgds, XXXX
Never received email statements from XXXX. Asked repeatedly to be switched back to paper billing. Never happened. Received letter dated XXXX/XXXX/16 to contact XXXX within 30 days of the letter. Received letter dated XXXX/XXXX/16 from collection agency. Called XXXX - they stated account was closed and transferred to collection agency. When asked why I was n't given the 30 days as outlined in the letter, I was told it must just be a cycle thing.
this company has a XXXX bill they put on my credit report and they refuse to communicate with me about this debt. This is my Second time disputing this debt with the cfpb they sent me what they called debt verification the last time i disputed it but it wasn't sufficient ive tried emailing them i wrote them letters and ive tried calling to either verify this debt or pay it off because its hurting my credit but ive never gotten a response from any of my inquiries. im not sure what type of debt collector this is they are very poorly managed
I am XXXX ( XXXX ) I have low income. I dont check my credit theres no need to. Anyway we are moving out of our house and i was doing a rental application they denied me because of my score. So I was wondering why checked my credit and there are XXXX accts that are not mine nor have i ever heard of the company XXXX XXXX XXXX it shows as a joint account. def not mine. There is also a XXXX bill for XXXX that is not mine. I do have XXXX. But never XXXX. I am XXXX and dont use cell phones. I have tried calling XXXX. No person .and XXXX has been transferred to XXXX when calling that number it states that they cant give info over the phone. So im at a loss and need help.Thanks for your time
Discover credit card. Send me for invitation card to apply for it. And after I let them run my credit thy just denied me to have a credit from them. I 'm side is just kind of nonsense to invited me to use or run my credit scores for nothing. It just waist of my credit scores. 
Ps.. Just want to complain them because of useful using the points of the person score for nothing. I 'm hoping that there do n't do this anymore for the other customer. Thank and looking forward to settling this matter.
In XXXX of 2017 when I moved out of my previous address I started getting major identity theft and someone using my identity and applying multiple times everyday for Banks and car loans and continued to use my information and insisted to not stop till I put an end to it and called the credit bureaus and one out of 3 was able to kindly assist me and remove all hard inquiries that brought up to almost 90 and now down to 30 but the other bureaus are giving me a hard time to remove them after months later and its affecting me and building my credit score and in the future to get a loan.
charged for lenders expenses paid by mortgage company. No summary of payments No credit report of these fees, new mortgage company requested a payoff and received new numbers includin the XXXX lenders expenses paid XXXX Making the new loan amount with the new company XXXX more.
I sent in a dispute for the negative items on my report in XXXX and XXXX of 2018 to the three reporting agencies I did not receive any update on my dispute in the mail or email from these reporting agencies. Under the FCRA if they can not validate the account is true and accurate to me or respond in 30 days the collections have to be removed. Also, these collections on my report I've never heard of or contracted with so I do not owe these collection companies on my report ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX of XXXX ). I do not owe this debt and they did not and can not provide a validation and signed contract with my signature. I asked that these collections be removed per FCRA violation.
Cash Central has been tapping my cell phone and calling it with a reference number being provided after I made arrangements with their Collection department who gave me the extension on my next payday to pay on a new loan after I paid off the old one less than a month ago. I have not been do even thirty days late but they have been calling from a XXXX XXXX company and all week every single day harassing me after I spoke to several Cash Central Managers all last week and the end of last week I spoke to customer service who noted the small debt I owed which is around XXXX due to other fees. I have been scammed at my Bank and Cash Central documented that I am not a returning customer and this debt has been arranged for me to pay on during my next payday I am paid monthly and ca n't afford to pay for everything and this payday loan is the XXXX one this year I have been getting paid off so they need to stop harassing me I am broke from paying the other XXXX Cash Centrals loans and I am filing this Complaint to get this Company and the Law to have Cash Central reported to stop calling my home and cell phone as soon as they break and do n't have any other customers to bug by phone as well.