WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I have spent nearly six weeks going back and fourth with Capital One 's Dispute Resolution Department. The company, Capital One claims to protect the consumer who uses their card for purchases. After six weeks of letters and phone calls we now find this is not the case. The company initially credited our card only to later reverse charges and adding interest and fees making our card unusable on a recent trip. 
My wife gave up but I am not willing to. I have called their disputes resolutions department for days leaving messages with no call backs. Finally today I was able to reach a department manager on a different number. Manager XXXX employee ID XXXX said today she had no solutions stating that since we stayed at the condo we are not entitled to a refund. She would not allow me to discuss the issue with her manager XXXX employee ID XXXX. She said nobody in her entire company could help me. 
My wife spent weeks sending Capital One the requested documentation of this roach infested 3rd floor condo we stayed at while visiting my elderly parents. The facility was misrepresented by it 's management company. It was a complete disaster including broken elevator making it impossible for my parents to visit. Why did Capital One waste weeks of our time when they knew all along we stayed there? Instead they asked for paperwork and pictures. We went back and fourth with phone calls, emails, letters, jumping thru hoops and playing their games. 
We stayed at the said property because we paid and had no where else to stay. It was disgusting and unsafe. But we had no where else to go. Our plane tickets were for one week and everything in the area was booked. Management was unable or unwilling to move us to another unit. 
Capital One is lying to consumers by stating card member 's purchases are protected.This is clearly not so! Our card was charged by a fraudulent vendor and Capital One refuses to refund our money. 
I pay interest and fees to use this card and be protected. This is not protection. This is a rip-off!
Fraudulent activity on my account, missing {$580.00} that was not authorized, by me.I called the company, to report the unauthorized activity, on XX/XX/2019. Company informed me, they could not stop the transaction in the middle of it happening, and to call back in 5 days.I then called them back in 5 days, on XX/XX/2019. I said, " I enjoyed the XXXX XXXX  music, while on hold, but want to authorize them to file a dispute, with whoever it was that took money from my account, without my authorization.I was told that they could not hear me. I know I was being heard, nothing was wrong with my phone. They said, since they could not hear my response of authorization, to have a nice day, and hung up on me. The company name, is as followed ; XXXX XXXX @ XXXX. I spoke with, customer service, representative. Thank you for your attention to this matter.
Late fee ( {$20.00} + interest ) was charged for a balance-in-full payment ( {$1000.00} ) XXXX DAY after the standard due date. 

Two things annoy me here : 1 ) The implied interest rate works out to north of 600 %. As you know, there are a few ways to calculate the interest rate implied by a late fee, but I believe my calculation is the most appropriate. Had I paid XXXX day earlier, the fee would have been {$0.00}. So Citibank has charged me {$20.00} for the use of {$1000.00} for XXXX day. Note they separately ding me for interest too ( {$4.00} ) -- I 'm not even bringing that up here. 

2 ) the due date is a few days before the cycle-end date. There is no practical reason for this mismatch and honestly it strikes me as ( at best ) an anachronism from slower systems and processes of the 20th century and ( at worst ) a deceptive practice. Cycle date and due date should be aligned -- there are too many dates to keep track of.
I received a letter dated XX/XX/XXXX notifying me that my information may have been compromised as a result of the XXXX data breach. The letter ended up in a pile of paperwork around the holidays that I wasn't able to catch up on until a week ago. I went to the website, XXXX, and after entering some information, it was confirmed that my information had been compromised. Upon further reading, the site notes that the free 1 year tri-bureau credit monitoring available through TrustedID Premier is no longer available. I find it unbelievable that a company that suffered a breach has the liberty to close this kind of a service to affected customers. I understand that I didn't take action by XX/XX/XXXX, but given it was only 2 weeks after the deadline, I expected, especially given the customer service concerns and repetitional damages, that Equifax would be nothing less than responsive to my request. Unfortunately, this was not the case. I was instead offered their Lock and Alert service, something new that they have in place and are offering as an alternative. The difference is however, that lock and alert only applies to XXXX inquiries, and requires my personal attention and transaction by transaction management, something that was not required of me prior to the breach. Lock and Alert does nothing to help me monitor activity through the other 2 bureaus. I spoke with 2 different individuals at Equifax ( a staff person and supervisor ), and both told me that the only free " answer '' to my problem is the new Lock and Alert, and that they can't allow me access to the Trusted ID Premier tri-bureau monitoring, even though it's also an Equifax Product over which they have control. I am very frustrated, as Lock and Alert is not an adequate replacement, and requires me to be further inconvenienced by their carelessness by having to work independently with each of the bureaus to put in place special monitoring or protections, and then to manage those protections. I don't even know yet the services or costs of the other bureau products, but I find it unacceptable and unbelievable that Equifax can close a tri-bureau credit monitoring offer to customers within even the first 6 mos following a breach, and in fact would expect they'd be obligated to sustain complimentary services much longer, saving customers from the additional hassle of having to take the matter into their own hands with each of the bureaus. What is worse, and something I find to be completely disgusting, is that instead of taking responsibility for the breach and ensuring customers are treated right, they have the opportunity to make money off of the incident by charging for the tri-bureau credit monitoring services they no longer offer for free. as a consumer, I am quite outraged and feel my consumer protection rights are violated by this practice.
To whom it may concern, I am writing to dispute the negative credit report from XXXX XXXX XXXX, an affiliate ( dba ) of XXXX XXXX XXXX XXXX. The dispute is in regards to their unauthorized and fraudulent billing, unauthorized charges to my credit card and bank account, and fraudulent contract. I 'm requesting that the item they reported to XXXX, Experian, and XXXX be removed and corrected, my credit rating restored while an investigation proceeds, and no future reports be allowed from their company and/or affiliates on my personal or business credit reports. The parent company has a history of this same fraudulent business practice, and a lawsuit was filed in XXXX XXXX by New York Attorney General XXXX XXXX XXXX to which they settled and paid fines and restitution. The company has continued their fraudulent business practices and were recently sued again by the same New York Attorney General XXXX XXXX XXXX in XXXX XXXX. These links are both attached to support my position. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
I specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ 4,000+ balance for an account that is n't mine. Initially XXXX removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me XXXX looked into this and confirmed. They need to remove this fraudulent account.
On XX/XX/XXXX I faxexd over my request for dispute with Equifax for the following accounts, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. As of today 's date, XX/XX/XXXX, I have yet to receive any correspondence from them in regard to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond in 30 days!
I received a call last Thursday from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. The woman said there was a suit about to be filed against me and used intimidating tactics to try to get me to pay for an old debt that I had paid off years ago. I told her that and she refused to accept that. The call ended into a shouting match and I hung up. I receive these calls several times a year. They result from these XXXX XXXX firms buying old Credit Card companies Write Off lists with consumer info such as credit card company and social security number. They then try to coerce you to pay it off or be sued. They are thugs on the phone! I even had one company in California put a collection on my credit report. I had to contact my State Attorney General to get it corrected on my credit files with the three credit bureaus. I'm sure you know that the Credit Bureaus are very difficult to deal with. Why can't the CFPB do something to stop these predators from operating these scams on innocent people. You can do a XXXX search on the above mentioned company and see all of the complaints lodges against them. Why are they allowed to be in business? 

XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX
To Whom It May Concern, I have a collection account on my XXXX  and XXXX credit bureau file from the company, Portfolio Recovery Associates, account number listed as XXXX*. Please be advised that I am disputing this information due to the fact that Portfolio Recovery Associates does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Portfolio Recovery Associates DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.
My report says there is a gap of employment from XX/XX/XXXX to XX/XX/XXXX for 2666 days. I first started working for XXXX XXXX in XX/XX/XXXX in XXXX Pennsylvania ( right after I graduated high school ) and then moved to XXXX Ohio around XX/XX/XXXX or XX/XX/XXXX with the same company to open up the new location in Ohio. I quit working for XXXX XXXX in Ohio in XX/XX/XXXX due to lack of hours. I then worked for XXXX XXXX XXXX in XXXX, TX. I am not 100 % on the dates for XXXX XXXX though. They were a XXXX company at XXXX XXXX XXXX is also a XXXX compliance company ( XXXX XXXX is XXXX compliance Coordinator XXXX ) and I am a CDL driver here which my report states the opposite for both of those things. I have to drive our rolloff truck to deliver and pick up dumpsters on locations and I receive emails and phone calls to make sure our vehicles and trailers are up to date with DOT inspections and are in compliance. So I don't understand why those 2 areas say no on my report. Please contact the companies again to verify the information to correct any issues. They have my Drivers Qualification file that should have all of that information in it. 
I don't understand why the reporting agency can not get ahold of XXXX XXXX out of XXXX Texas. This company is also a DOT company that I received my CDL while working for them. I have never had any issues contacting them before when I have needed to reach them for information. XXXX XXXX works for HR ( XXXX XXXX ) as well as XXXX XXXX ( XXXX ) or XXXX XXXX ( XXXX ) If there are any further question please contact me by cell phone number XXXX so we can clear this report up. I would hate to not be considered for a job position due to an inaccurate background report. All of the information I have given is 100 % accurate. Please try to get the correct information asap. Thank you.
Sychrony Bank put a 30 day mark on my credit even though I asked a rep if I made by payments on XX/XX/XXXX, I would be in good standing. I tried to make payments on XXXX/XXXX/15 and XXXX/XXXX/15 but the system claimed my bank rejected the payments which is not true. I did not have a returned payments with them. I want the negative credit mark removed because I paid XX/XX/XXXX 's payment on XXXX/XXXX/15 which a rep said I can do. Now I am getting inconsistent information. They claimed they ca n't remove the negative credit mark which the credit bureau advised me that is not true. He state if they want it removed, they can submit a correction with the credit bureaus. I have had several issues making payments with their reps because they clam my bank rejected the payment, this was not true per my bank. I do not think it is fair.
Recently I found an item on my credit report from this organization. It came as a surprise as I had not received any notification, verification or communication from them. 

Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. The accounts seem to have a pattern of being opened, quickly used, never paid on and subsequently closed. 

I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this, though only XXXX is currently being reported. I do not know of the accounts in their office and had they attempted to contact me, I could have advised these are not my accounts as these accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. 

Despite this, they continue to report inaccurate data on my credit report and leave the file open using it as leverage in a sick attempt to force payment.
I took XXXX private loans from Citi Bank between XX/XX/XXXX-XX/XX/XXXX. I was an international student then so I was not eligible for federal aid. XXXX of the XXXX loans were sold to XXXX, XXXX continues to be with Citi. This XXXX ( originally a XXXX $ loan ) I still have with Citi has a 6.5 % interest rate. I have been making regular payments since I finished graduate school. On addition, whenever I can, I have made payments towards my principle. However, I just realize that the math does not add up. For instance, though I made a payment of XXXX $ towards my principle XX/XX/XXXX, my balance is still way above XXXX XXXX How could that be given that my original loan was XXXX XXXX I have stayed on top of my monthly payments, and I have made other additional payments, clicking the box that says " apply towards principle ''? Thank you for your help!
I spoke to XXXX and disputed fees. I then advised AFNI that the charges were wrong on the account and advised I am disputing the balance and I want all reporting to cease and desist as it is improper. They still refused to work with me and for months they have reported a bad debt to my credit bureaus report and they argued that they could not remove the wrong reporting.. Stating they had rights ...
I was suffering a XXXX hardship since XX/XX/2016, but was able to somewhat maintain my bills. I began to fall behind when my condition got worst around XX/XX/XXXX. At that time I started to fall behind on my Target MasterCard credit card payments. Around XX/XX/XXXX I called target to ask for assistance regarding my bill and be placed on a hardship payment plan. During that time I was very XXXX. When I did get better I called to resume the payment plan. I was placed in one and began payments. Around the end of XX/XX/XXXX I was informed my card was closed which came as a shock to me because I was never informed of this decision. Since then I have n't been able to get a straight answer to why. I was told it 's because I was 60 days late. I went over the terms and conditions of this card and no where did it say my card would be closed after 60 days. I 've asked numerous times to be sent the letter they said I was sent informing me of the card closing and the terms and conditions I was told numerous times it was coming- today I received a package of prior statements in the mail, no terms and conditions and no letter. I 'm extremely XXXX. I also keep being reported to the credit agencies even though I 'm on a hardship program. Finally, I spoke with an account manager yesterday I was told I was actually 90 days late and that 's why my card was closed, this is the first time I 'm hearing this everyone has said I was 60 days late and my credit report says the card was closed for being 60 days late. I feel like I 'm fighting a big corporation and dealing with rude account specialist who are refusing to help me. I 'm still XXXX and the XXXX of this is weighing heavy on me.
My mom has been getting phone calls for 13 years about an old bill. Yes from 13 years ago. They have threatened to remove her furniture, take money off her credit card and now contacted mom 's neighbors to knock on her door. My mom is XXXX years old and almost completely XXXX. These people almost gave her a XXXX XXXX this week. Especially when neighbors are involved. 
My mom 's name is XXXX XXXX. resides in XXXX. I told XXXX XXXX she is in a XXXX home, so she stops calling. 

I have called debt management to confirm statue of limitations is 7 years. They have called relentlessly for years. 

I would like your help in contacting them and I would like to press charges for their scary tactics that has seriously done damage to us. 
They are XXXX XXXX XXXX XXXX XXXX TexasXXXX XXXX is the nasty lady, her number is XXXX XXXX but she picks up the call. 

Thank you so much, XXXX XXXX
I submitted a request to this company to remove unverified accounts that are on my credit report in violation of 15 U.S.C. 1681. They have not done so. The Fair Credit Reporting Act requires every agency that reports credit events ( including TransUnion, NOT JUST THE ORIGINAL CREDITOR ) to keep in their OWN files VERIFIABLE PROOF of everything they report. BY LAW, this proof should come from TRANSUNION, as well as the original creditor. This burden lies of proof lies with them and they ignored it themselves and passed it off to the original creditor. TRANSUNION did NOT send me, from their own files, documents used to verify these accounts. Nor did they send me the name/contact information of the person in their company who " verified '' the information. Them stating that they have reached out to the original creditors for information about the account tells all of us, they have not maintained verifiable information in their own ( TransUnion 's ) personal files. They HAVE NOT produced the copy of the ORIGINAL CREDITORS DOCUMENTATION with my SIGNATURE that should be in their records AT ALL TIMES. I AM DEMANDING THAT TRANSUNION DELETE THESE UNVERIFIED ACCOUNTS IMMEDIATELY : -XXXX XXXX- Acct # XXXX XXXX  Acct # XXXX ... XXXX -XXXX Acct # XXXX ... XXXX -XXXX Acct # XXXX ... XXXX XXXX  Acct # XXXX ... XXXX I will gladly hire a lawyer as the law is not being upheld, and I will also go to Social Media Outlets to express my dissatisfaction.
On  XXXX / XXXX /  XXXX   I made a payment toward my government loan account of {$40.00}. I added my checking account on the Navient site to make it easier to pay the government loans. I also have  2  private loans with  Navient  that have defaulted, Im working to get them settled with an outside agency. However on  XXXX / XXXX /  XXXX   the private sector decided to withdrawal {$16000.00} from my checking account ( of course I do n't have that amount in there  ) a nd I 'm currently overdrawn at my bank over {$15000.00}! I called Navient to get this resolved and I get NOTHING. I have to report this as fraud to my bank because it was NEVER authorized
Card was lost sometime beforeXX/XX/XXXX. These charges unauthorized :XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$200.00}.
I did not receive my XX/XX/XXXX rewards check for {$150.00} from Synchrony Bank for my XXXX XXXX XXXX   purchases. I reported the matter several times by phone and in XX/XX/XXXX received a letter confirming my inquiry. I subsequently followed up about my inquiry numerous times by telephone and was told that the check would be issued but it was not. Finally I was informed by letter that the check that I never received had expired. I sent a formal complaint to the bank on XX/XX/XXXX about the run around I received about this matter. The bank emailed me a letter dated XX/XX/XXXX of their effort to resolve my inquiry in a timely manner. However, when I telephoned the bank several weeks ago, I was told that the only thing on record was that my letter complaint had been received but no information was available on its status. I think Synchrony Bank is still being intentionally unresponsive to this matter.
I have been divorced for over 15 years, and a judgement was obtained in my married name ( I changed my name to my maiden name when I divorced ) and communication was going to an address that I no longer lived at. Needless to say I did not contest the debt prior to the judgement due to not being aware. 
The debt was from prior to XXXX, and on XXXX/XXXX/XXXX a third party collection firm filed a judgement against me. They obtained an order to garnish in XXXX of XXXX. 
The garnishment over collected in the amount of XXXX, and I was issued a partial reimbursement in the amount of XXXX. The third party collector remitted the reimbursement to my former name, which I have not used in 15 years, and additionally I have not been issued a reimbursement for the remaining XXXX to date. Even depostiing the check will present as an issue as I do not have any accounts or ID in that past name. It was changed by court order, which I told the third party collection agency and law firm over and over. 
When I attempted to obtain a verification of debt, the only thing provided to me was the judgement, not anything from the original creditor. I attempted to confirm that this was in fact my debt, and all I ever received was a copy of the judgement.
I called Transunion and XXXX after receiving notification there were some changes made on my credit report. There almost XXXX inquiries that I do not recognize that are adversely affecting my report. I was told they could not be removed for 7 years.
Wells Fargo Home Mortgage has sent inspectors to my house without my consent at different times. 

I called customer service today XX/XX/XXXX and I found out that I have to pay those fees equivalent to {$2200.00}. They said they have the right to do it because I have a delinquent balance. 

In the past my husband was hospitalized for a period of a year and we lost our primary source of income.. We had to file for a Chapter XXXX to keep our house about three years ago. Our mortgage payments and chapter XXXX payments are current. 

I feel a victim of Wells Fargo 's actions because they did n't ask my permission to send inspectors even though I have been living in the property since the house was bought. 
They also increased my monthly payments due to a force insurance since XX/XX/XXXXeven though I have keep my home insurance current every year.
I received a credit card offer from American Express for XXXX points after spending {$5000.00}. I was approved and spent the money according to terms. I did n't receive the points. American Express has refused to grant the points saying that I hold another credit card and not eligible. The offer was sent to me and now they refuse to honor the terms.