WillisBack/dataset-financial-user-claim huggingface dataset:
Hello CapitalOne Team, Hopefully you will be able to assist in treating me like a valued and respected customer. I have had your cards in excess of a year +. 
XXXX card, I opened as a Secured card to help in rebuilding my credit and the other card, a Quicksilver - was a regular approved CL. 
Recently I had been asking about increasing my limits to more respectable limits and have only been told that : 1, I ca n't increase limits on secured cards ; that there is no longer a way to make deposits to the program. That only Capital One Proactively reviews accounts for good history and determines that a customer should be rewarded with additional money on the card account. That 's not a fair trade off to help improve ones position. 
2, that limits are granted every 5-6 months. 
Since I have opened these card accounts, I have been able to successfully improve my credit position, and have since seen approvals with other major banks, being XXXX and XXXX. 
My credit lines with these banks, have doubled/tripled what Capital one would even consider me for. Therefore my loyalty lies with using their cards over my CapitalOne cards, since the flexibility in those lines appeal to me more. 
I would like to have CapitalOne share in my sending and be able to be used more actively, but I ca n't do this with toy limits. 
I am requesting that you Proactively review my Secured-Line and increase that balance substantially, as well as my QuickSilver line. I would like a respectable amount of credit to be granted immediately.
Mortgage loan ( first lien ) has been serviced by XXXX and XXXX XXXX XXXX since XXXX of XXXX. 
I have never missed a payment nor been late one time! XXXX service released the loan to Select Portfolio Servicing ( SPS ) in XXXX of XXXX. Now SPS charges {$15.00} per transaction to collect my payment online or by phone!!!!!! Is there any regulation prohibiting these exorbitant fees? No lender/servicer is charging these fees. I pay XXXX mortgage loans that are serviced by XXXX, XXXX, XXXX, and XXXX. NO ONE COLLECTS fees when the payments are mode online or by phone! Please help me. {$15.00} extra is a burden for me. Thank you. XXXX XXXX XXXX XXXXXXXXXXXX SPS : www.spservicing.com XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX XXXX
On no less than XXXX occasions, I was told by XXXX that this debt was resolved. They billed me for pest control on a contract I canceled and for a property that sold in XXXX 2015. They also violated the XXXX, continuing to call my mobile after I repeatedly asked them to stop. 

After the last conversation when XXXX said the debt was not mine, and the balance was zero, I heard nothing for several months. 

I then received a collection letter from NCI demanding {$96.00}. Is that XXXX does? Ignore customers, tell them their debts are resolved and then forward them to an unsuspecting debt collector who is unaware of XXXX internal control issues and disregard for honoring their commitments?
I am in currently going thru divorce proceedings and living at a new address, a change of address was filed with the US Postal service as well as the company,. A retroactive check was sent to me by my company but they sent it to the wrong address. My estranged wife received the check which was made out to me, signed HER name and deposited it into her account ( at XXXX Bank ), which is NOT a joint account. When question why, i was informed that its their policey to accept and process third party checks as long as no complaints were put in, as long as it was under a certain value. I went back to my company and filed a fraud complaint. They in turn filed a fraud complaint with their banking institute ( Bank of America ) and the claim was denied be cause the claim I benifited from her cashing of this check. I am still trying to speak with the analysis who determined that I benifited from her fraud.
This is the follow-up to my earlier response on case # XXXX. I have declined the company response asking for proof to substantiate their claim that gift cards were purchased. As they claim that was the reason due to which they are denying me roughly XXXX in promotional bonus. I totally deny their claim. Discover need to honor the promised cashback on all my XXXX purchases asap. No update was made by the bank on my earlier case ever since I disputed the response ( alomst 6+ weeks back )
From : XXXX XXXX XXXX Via XXXX XXXX XXXX, XXXX XXXX XXXX debit card & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : {$100.00} Debit XXXX does NOT work Debit XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX Valid Through : XX/XX/XXXX To Whom It May Concern : Recently, I received a XXXX gift card from one of my XXXX ( I 'm a XXXX ). I went to redeem it, and the card would not work. I called the number on the service number on the card, and I was told to write a letter stating that the gift card should be transferred into my name. I called again on XX/XX/XXXX, and spoke to a customer representative named XXXX, employee I.D . XXXX. She told me the only thing left for me to do was to fax in a copy of my driver 's license and utility bill to show my identity. On XX/XX/XXXX, I faxed in a 3rd copy of the gift card, driver 's license, and utility bill. I have called multiple times to inquire the status of the card. On XX/XX/XXXX, I called again and I was told the bank received my fax. <P/>I have been waiting two months to receive a new XXXX gift card from XXXX XXXX XXXX XXXX  XXXX XXXX. <P/>XXXX XXXX XXXX
I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for XXXX months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.
On XXXX XXXX, XXXX, I received a letter from Diversified Consultants, Inc. informing me of a {$710.00} balance due with XXXX XXXX. I sent a letter on XXXX XXXX, XXXX requesting verification of the debt. I received a letter from Diversified Consultants , Inc., dated XXXX XXXX, XXXX with a statement dated XXXX/XXXX/XXXX showing a balance of {$710.00}. However, I also have a billing statement from XXXX/XXXX/XXXX showing a {$0.00} balance from XXXX XXXX, one month after the statement from XXXX/XXXX/XXXX. This was not sent to me by either XXXX XXXX or Diversified Consultants , Inc . I gained access to my online account through XXXX website, where I downloaded the bill. 

XXXX XXXX canceled the bill principal of {$710.00} on XXXX/XXXX/XXXX. If anything, the original creditor should issue me a copy of IRS Form XXXX. The IRS requires this form for each debtor a company has canceled a debt of {$600.00} or more. My canceled balance of {$710.00} meets this requirement. The {$0.00} balance, {$710.00} credit, and lack of payment due on the XXXX/XXXX/XXXX shows that XXXX XXXX has canceled this debt, and will likely receive tax benefits. 

In XXXX, XXXX similarly tried to collect on an amount that had been noted as an " internal charge-off '', and was denied, as this may have created a mandatory duty under IRS regulations to issue the defendant a XXXX Creditors who benefit from this tax practice may render it " inequitable '' to allow them to belatedly enforce the alleged debt after it received the benefit of a charge-off. ( See, e.g. XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX ( Dist Ct XXXX XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX ( Bankr Ct XXXX XXXX XXXX ) [ " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ] ; see also XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( App XXXX ) ( issuance of Form XXXX after debt was written off is " XXXX '' that debt had been discharged by creditor, sufficient to create an issue of fact ) ; XXXX. 

I have included a copy of the final statement that shows the {$0.00} balance from XXXX XXXX, which I had to obtain on my own and was not sent to me during the verification process. Also, I have included the statement sent to me by Diversified Consultants , Inc. for XXXX XXXX, and the letter from Diversified Consultants accompanying it.
On  XXXX / XXXX / 2017  I called and told them that my card along with my wallet have has been stolen and my card had been used to make different transactions. They denied my claim stating that they were authorized. They didnt even try to investigate it.
I am currently in foreclosure. I was behind in payments and asked for a written document stating what I needed to get my loan current so I could pay it. After unanswered calls and emails they said they could not provide written documentation. Now I have attorney fees, and because I filed a complaint with MN XXXX they refuse to talk to me.
XX/XX/XXXX I was in a terrible accident and I could n't make my car note payment which is actually to high and I have repeatedly attempted to get SunTrust Bank to lower my payment in order to avoid any financial issues with the bank. I have called them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX if I am not mistaken. Each time I have asked for a lower payment schedule only to be denied for several reasons. I am a XXXX XXXX XXXX with a limited income and at the time of the loan payment I was working at XXXX. However, I am no longer with XXXX and need to have my loan interest rate lowered, and the monthly payment as well to ensure that I can not only pay for the vehicle but not continue to have their debt collectors, and repossession office calling me leaving messages. My car payment stands at {$380.00} with an interest rate of 6.84 % which if could be lowered I would n't have any issues with keeping my payments current and up-to-date. Today,XX/XX/XXXX, I was speaking with one of their collectors XXXX he would n't give me his last name but his # id number is XXXX. I stated to him that I was in a hit/run accident and was just recovering from the entire situation and that I would be able to make a full payment this week Friday, XX/XX/XXXX and he because hostile, rude, disrespectful in nature, and completely unprofessional to understand my current situation and my desire to make a payment arrangement and told me that SunTrust was n't interested in my making a payment unless it was a complete payment of XXXX to bring the account current from the previous 3 months which was due to the accident and lost of income. I even offered to have them speak with my attorneys who are going to settlement with the lawsuit for the accident. XXXX, the SunTrust employee refused to listen, became even more aggressive and did n't think before he spoke. This is unacceptable behavior from a bank and I want SunTrust Bank to deal with my situation with professionalism and their employee with appropriate actions. The number I called was XXXX Debt Collection The number for the bank itself I called XXXX Thank you
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Collection of a debt that has been paid since 2009. 

XXXX XXXX, no message left XXXX I called back at XXXX XXXX XX/XX/XXXX Spoke with lady and notified her of the situation after she explained she is trying to collect a debt on a XXXX  XXXX XXXX XXXX Charge-off, for over {$3000.00}. I explained that the debt is paid off since 2009 and I need to send a certified letter to her via physical address. My call dropped after I got just the city name. 

I called back and spoke with a different lady, who did not know who I previously to as " she is probably still notating the account ''. She verified my ID with last four of social security. I explained the situation to her as well and requested physical address for certified letter. She said " I 'm just an account rep, let me get you to an owner who can give you the information you need ''. I was put on hold for a couple of minutes. 

A XXXX XXXX answered from the complaints department. I asked if she was an owner and she said " No, but I can get you to one ''. I explained I was told it would be an owner, then explained yet again the situation. I asked for physical address she stated " Please hold while I can get some help with that ''. I held for a long time, probably over 5 minutes. It rang through to a rep again, being XXXX XXXX. She explained " the phone disconnected due to the long hold. Yes, let me get someone who can help with the physical address XXXX XXXX ''. I asked how she got that last name as they were calling for XXXX XXXX ( I never gave her XXXX, my legal last name ). She did not answer my question, nor did the following man. 

XXXX then answered. I explained again. He was more firm with me and offered a XXXX XXXX XXXX I informed him that " both the NY FTC and the attorneys I have worked with have advised physical address only for certified letter. The post office also requires it ''. XXXX rebuttled " Yes you can [ receive certified mail by XXXX XXXX ], we get them all the time. A little yellow card ''. I demanded again to get the physical address " So you are denying me the ability per federal law to send a certified letter of payoff to prevent you from illegally collecting on, or selling, this debt ''. He still denied so I demanded the XXXX XXXX which he provided very slowly. I then demanded a listed phone number. 

I informed him that I would be reporting D2 Management to the SEC and appropriate government agencies for denying to provide sufficient contact information for me to prove payoff. XXXX stated " Please do file. Please do ''. 

Conversation ended - 15 minute call during my work day.
Hi, I opened a credit card account with walmart XX/XX/2015. The advertisement said the card came with a {$35.00} sign on bonus if one use it for a purchase right away. I did but the company did not deliver. I paid off my entire bill using the creditcard 's website before the due date in XX/XX/XXXX. A month after, I got a message stating that my bill was n't paid and there was a late fee of {$35.00}. I called the customer center to have the situation rectified and the apologized for the inconvinience and stated that the payment did n't go through but they 'd waive the late fees. So I paid off the amount and asked to terminate the card and my membership. We went through the process and the representative said the account was closed. This was in XX/XX/XXXX. A month later I received another email for a payment and a late fee. I called again and this time the customer service rep was very unprofessional and did not offer me any help. I called another rep and went through the entire process again. I now have the total amount in my bank records. This was two months ago. Today I received a bill in the mail from walmart requesting more payments. They do n't have any other means of contact order than the customer service number which have proven to be very unhelpful.
Consumer Name : XXXX XXXX Reference No : XXXX XXXX Account Status : Forward to Summit Receivables Original Account No : XXXX Original Creditor : XXXX I took out an unsecured online installment loan from XXXX XX/XX/XXXX I recall which i have subsequently been unable to pay and the loan is in default ; XXXX transferred/sold the loan to XXXX - I have been negotiating in good faith with XXXX for several months and have offered payment in full versus taking a discounted settlement but the issue is length of time - I need 48 months at a minimum. XXXX had accepted the 48 month arrangement, then reneged on it - purportedly because I failed to make the 1st payment with 5-8 days from the accepted online agreement. But, when I went online to make that 1st payment, the account was listed as " still negotiating ''. When I attempted to submit the aforementioned exact same online agreement, XXXX rejected it and the loan has been in limbo ever since - about 3-4 months. Today, XX/XX/XXXX, I received a call from a lady saying she was with Summit Receivable. She initially was trying to reach XXXX XXXX XXXX - a company I had previously worked for. When I told her I used to work there and can I help her, she then wanted to know if I knew how to reach XXXX XXXX. When I replied it is I who you are speaking to, she then wanted to verify my ID by asking for DOB information. I resisted but decided to provide since I was curious as to what she was doing. She then said she was with Summit Receivable and was calling about XXXX and wanted to know if I was able to pay it. I responded that before we discuss anything, I first wanted her identity, her company name and address and contact information and also a debt verification letter. She responded that the company has provided that before and when I pressed by saying that I just wanted to make sure I was n't falling for a scam trap, she became sarcastic and rude saying " like when you took out all these loans ''. I replied that I will be filing a complaint with the CFPB at which point she simply hung up on me. After that call, I emailed XXXX and requested status of my account. XXXX emailed a reply back indicating that Summit Receivable had been assigned to collect on this account. Other than that email which I had to initiate, I received NO prior warning or information regarding that. Also, a person also reached out to one of my references on the XXXX loan looking for my contact information and indicated they were a debt collector - a clear violation of the law. My reference contacted me and informed me of this attempt. What is especially troubling is that XXXX has had numerous contacts with me - phone, fax and email and I have given them permission to contact me using any of those mediums. I would have assumed that if XXXX had transferred collection of the account, the contact information would have been provided to their new representative.
Company reported a debt to the credit bureau. This debt is not mine. I have notified the company and filed a dispute with the credit bureau. I have no idea what this debt is or who is responsible. Amount is {$1000.00}. Date open says XX/XX/2018 on my credit report.
False information being reported. Also, to prove my claim, there is two different balances between credit report and XXXX XXXX XXXX  website being reported.
In XX/XX/XXXXI was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.
As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an MSI I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.
XX/XX/2018 called Wells Fargo Loan Modification XXXX and they refused to do a loan modification even though I just had buried my mother and was getting to a point to save my home. They said I called in too late about 33 days before the sale and they needed 37 days. They would not postpone the sale or do anything about me working out something with them.