WillisBack/dataset-financial-user-claim huggingface dataset:
I am card member with Capital One VISA and my credit was used outside the United States on   XXXX   XXXX  , 2017. The day my credit card was used, I received an e-mail as a notification that prompted me to check my transaction and let them know if it is was mine or now. So within ten minutes of receiving this e-mail, I called Capital One to let them know about this fraudulent transaction. They told me to not worry because if this is my transaction then they wont pass it and I believed them because the bank as a {$0.00} fraud liability for the consumer. But after 30 days I received call from an investigator who said that the reported fraud was not actually a fraud and the card was used physically. I explained to him that this not possible because the card was with me and I did not leave the country. When I asked for proof, he did not give me any and just said that the chip of card was used. Then I called again after a few days to ask them to do the investigation again but again I was put in the same situation. When I pressed for proof, they told me that my signatures matched in the receipt and so I asked them to send the receipts ( attached below ). When I received the receipts, I could clearly see that the signatures were not mine and somebody had clearly tried to copy it ; both receipts had different signatures ( attached below is a copy of my actual signature ). So I called them about this discrepancy but nobody listened to my complaints. Every time I called customer service, there was a different person on the line and was not fully aware of the situation. When I kept calling, I started receiving the same answer about the card being used physically but I was never given any further proof. Every time there is a big transaction a bank calls to confirm the transaction so I asked the bank to give me proof that call when about this fraudulent transaction, but they told me they couldnt give that to me. At this point, I was tired and feeling harassed by Capital One. They never gave me any valid proof and because of this fraudulent transaction my credit score also went down. Now, to add to the trauma, they keep adding interest to the fraud charge and expect me to pay it. However, I never authorized this transaction and neither am I able to pay this large sum of money. Despite of my early warnings and continues calls, the bank authorized the transaction and continues to harass me about a fraudulent purchase.
Equifax provided my credit file to XXXX XXXX XXXX Fraud and Prevention services without my consent or expressed authorization. I did not initiate business with XXXX XXXX XXXX on the date in which my file was submitted. I am requesting a security freeze on my Equifax credit report.
This debt is not mine and I have no knowledge of said debt. It is reporting to credit bureaus which is negatively affecting my life.
My mortgage was sold in a refinance deal in XXXX 2016 from XXXX, to XXXX ( briefly ), with final sell to XXXX XXXX ( and my credit report shows this ). However, the new financial institution to which I am making payments ( XXXX XXXX ) does not show holding this mortgage or my payments on my credit report as of XXXX/XXXX/2016. I have made XXXX payments and, after filing a complaint about not receiving transfer of service documents, received documents about 3 weeks after disputing. Those servicing documents said that XXXX XXXX, the servicer of my mortgage loan, reports credit to the credit bureaus. However, according to my credit report, they have n't ( at least for my mortgage ). See pages XXXX, XXXX, and XXXX of the attached documentation for highlighted/affected areas ; entire credit report attached in order to show there are no open mortgage accounts under any other name.
For several years I have AAdvantage Citi credit card with {$95.00} annual membership fee. Last year I wanted to close it yet the fee was reimbursed to my account after I paid {$95.00} using Citi AAdvantage credit card. I decided to close it this year. I called at least one month  in advance to membership expiration to initiate the closure process. Yet I was told I can switch my current Citi AAdvantage credit card with annual membership fee towards Citi AAdvantage bronze card with no membership fee. I was also told to pay {$95.00} fee, to wait about 90 days for the replacement card, which will have {$95.00} credit on it. Last week I received the replacement card/statement. The credit balance is only {$79.00}, and not promoted/promised {$95.00}. When I called Citi customer service and asked why the amount is lower than promised {$95.00}, I was told the amount was prorated. I hope Citi keeps customer conversation records because I asked several times if the total {$95.00} would be reimbursed and credited to my account, and each time the answer was Yes. If I knew Citi won't reapply {$95.00} back to my account I would close the credit card account with them back in XX/XX/2018.
I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX bank account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ( FTC ). THE FOLLOWING ADDRESS ARE NOT MINE PLEASE REMOVE :XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
I received a notification on my credit report that an negative item was placed in collections.I have never been notified by the agency that I owe them anything.My credit report say debt was reported XXXX XXXX 2016 but the debt was reported by a company named XXXX at that time who sent me a letter dated XXXX/XXXX/2016 saying they are no longer handling the debt.
I have a Capitalone rewards credit card which I opened back in XXXX of XXXX. This card carries a yearly fee that has kept going up and currently stands at {$99.00}. 
I called in XXXX, I believe, because I wanted to switch the cards as I did not see a benefit to having a rewards card. I was told the fee is not due till XXXX, XXXX and I should think on what I would like to do. I called back in in XXXX prior to a vacation. The agent with whom I spoke informed me that she can switch the card to a card without a rewards card but she can also see about waiving the fee but she cant do it until after the fee has been charged on the account. 

Lo and behold, I call in today to see about the fee waiver and I was informed the fee cant be waived and theyre happy to switch the card to a different card. When I informed the agent that was not what I was told as I had called previously, he tells me hell pull the call and if its true the agent advised me of that hell see what he can do about the fee. 
How these lying dogs stay in business is beyond me and is the fault of the government. Ive been through this before. Theyll claim their agent never said that or nothing was ever documented and they ALWAYS document their records. 
This needs to stop. Consumers are already being defrauded by these people. Where does it ever stop? Why would I want to switch the account after theyve charged their fee? I may be a lot of things but I am not stupid!!!
I was charged excessive fees by TD bank for the following dates and amounts : Tuesday, XX/XX/XXXX, in the amount of XXXX dollars, Monday XX/XX/XXXX, in the amount of XXXX dollars, Tuesday, XX/XX/XXXX, in the amount of XXXX dollars and Tuesday, XX/XX/XXXX in the amount of XXXX dollars. This is XXXX dollars in total for over draft fees. I attempted to reach out to a branch employee but When i attempted to go inside he branch, I was advised that they were closed, although there was 20 minutes still left until closing. May you please assist?
I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX XXXX  ... Please send me original signed copies from parent company. XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX  ... ..I am not a home owner. who are these people XXXX  ... ..Please send me original signed copies from parent company XXXX XXXX XXXX  ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company
Opened new account, checking, with Bank of America in XXXX XXXX, Fl in XXXX. I was employed with XXXX XXXX. A XXXX XXXX XXXX, actually a fortune top ten. This was on a Monday morning around XXXX XXXX. My check was for about $ 4200.i ask the teller when the funds be available, she said 3 to 5 business days. I ask here to explain business days and why it varied 3 to 5 days. She said because it was a out of state company. The VP over heard our conversation and came over and introduced herself to me, she was very knoledgeable about XXXX, she made the comment to the young teller and me that XXXX had more money than XXXX XXXX, and XXXX had no long term debt. The VP told me she would approve deposit that day by XXXX XXXX. I then proceeded to write out all my monthly bills, ( 17 total ) all but one for less tha 100 dollars. due to I was going to be away from home for 2 weeks. When I got back home and opened my mail I found out I had been charged for 17 over draft fees of {$35.00} each, total of {$590.00}, then another fee of {$590.00} for the 17 checks because it had been over 5 business from the first charges, a grand total of {$1100.00}. I naturally closed my account and told XXXX to XXXX XXXX XXXX. They have since charged me over an additional fees and put this on my credit report, and on some type of national bank registers that prevents me from opening another account with another bank.
I 've had my Chase card for about a year, kept a healthy balance, paid my bill on time, etc. 

You can imagine my surprise when I received a letter from chase stating that they will be closing my account because " continuing the relationship creates possible reputational risk to our company. '' My credit score is great, my bills are always paid on time, and anything I buy with this card is through Amazon ( not any questionable retailers ). If I 'm not the ideal customer I guess I do n't know what 's expected.
I went online to pay my mortgage but when I noticed that my payment increased by {$700.00} a month. I called NationStar to ask them what is going and they told me that my Escrow is short and I need to pay {$6200.00} to get back on track. I told them I do n't know what they are talking about because I have been paying the same amount since XXXX with no problems and now all of a sudden my Escrow is short that much, HOW. They said that they wrote me a surplus disbursement check for {$4200.00} last year and my Escrow has been in the negative since and now they want me to pay {$6200.00} back to them. This is not right. Mortgage companies should not be able to treat people like this. I need to speak with someone with mortgage knowledge to advice me what to do. NATIONSTAR/MR. COOPER is a XXXX company trying to take money from my families mouth because they screwed up I feel I should not have to pay for their mistake, since I called them multiple times about that check and the manager assured me that something like this would n't happen and demanded I cash the check.
The address listed on my Experian report is wrong. Credit card listed does not belong to me. I never had the reported credit card listed on this report and never lived at the address on report.
Hello Consumer Financial Protection Bureau, I hope you 're doing well and thanks for all you do. However, please help me! Nelnet ( with its sky high interest rates already ) is doing everything it can to get even more out of me. Specifically, I have three groups of student loans - A, B & C. Groups A & B have higher interest rates ( 6.550 %! ) ; Group C is somewhat lower ( 6.160 % ). 

I 've done what I can though to get these lower rates, down from the original ones, which were even higher ( basically 7 % ). Namely, I 've signed-up for direct deposit and automatic payments. Researching Nelnet further, I determined after my minimum payment, I could actually put the rest of my payment, exclusively, toward the higher interest rate Groups, A & B. Doing so, put approximately an extra {$150.00} of my $ XXXX payment toward my principal ( making it a great option for me )! 

However, Nelnet appears to not like me paying-down my account in this way. Thus, instead of applying my directed payment toward the two high interest groups ; instead, Nelnet keeps, accidentally, putting half of my payment toward the lower interest group ( C ). This means about an extra 14 % /month ( of my monthly payment ) goes to Nelnet as interest, instead of toward my principal. I 've called-in for several months now to get this corrected, and I 'm told -each time- it was a one-time mistake and will never happen again. Yet it just did, again, with this month 's payment. Am I the only one? It 's unlikely. I would really appreciate your help in fixing this matter ( or Nelnet all together ). 

Most appreciated. 



XXXX XXXX XXXX
XXXX XXXX XXXX listed multiple 30/60/90/120/150 day late payment on my credit report from XX/XX/2015 to XX/XX/2015. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60/90/120 day late payments from my credit reports.
Hello my name is XXXX XXXX, I live in XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I have lived there since XXXX 2007 and always paid my mortgage on time until we had some very bad hardship. I lost my XXXX position which lowered my pay dramatically, we had a new baby, and my wife got sick after delivery. This hardship caused me to become delinquent in my mortgage payments as I could not pay the mortgage. After the years gone by the value of my home were dramatically decreased and it is not worth was it used to before. At this time the home needs huge and costly improvements to get the home to a greater value. New A/C and ventilation/duct around {$17000.00}, new kitchen {$7000.00}, new windows and doors {$4000.00}, cracked foundation $ unknown, paint house outside and inside {$3500.00}, and new roofing {$10000.00} and much more. The costs will be totaling over {$50000.00} in fixing. The home was built in 1960 and is showing the age very much so. The home is not worth what I 'm paying monthly for it and would like to receive a loan modification for this property. Im asking a mortgage payment of {$620.00} a month including taxes and insurance as this is what I would pay and know this home is worth. 
Ocwen offered me an option to pay trial payments of {$980.00} but that is too much for this home and I can not pay this. The amount they offered is only couple percent from what I used to pay and could not pay at the end. 
Please help me receive a loan modification. 
Thank you. 
XXXX XXXX
Report # XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 2 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 3 : I  dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 4 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account ( XXXX ) Item # 5 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
I have attached all documentation and it is also numbered. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 


Respectfully, XXXX XXXX XXXX
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Debt Collection Agency : The Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX reports account opening in XX/XX/XXXX for the original amount of {$750.00}. XX/XX/XXXX account charged off for {$830.00}. {$830.00} written off. Account status remains Charged Off/ Failed to Pay on XXXX Credit Bureau on XX/XX/XXXX. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Called XXXX XXXX to see if they still had account. They said they no longer have files regarding the account number listed on the credit report and the account is closed but not sold off. They use the help of The Best Service Company to help them acquire the debt. Any further inquiries must be made through the collection company. 

The Best Service Company reports date of account opened as of XX/XX/XXXX. They report credit limit or original amount of {$830.00}. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Recieved first time letter from The Best Service Company on XX/XX/XXXX. Letter claims Balance Due : {$1100.00}. Anual Int. Rate : 10 % Letter states recieving dispute, but for them to first investigate my claim, I must describe in detail the basis of my dispute. I must also provide all documentation to support my dispute. Without any documentation, they will continue to credit report. I called The Best Service Company to inquire about the account asking if they had physical documentation stating they could collect the debt and the accuracy of the information regarding the account. The representative said she was not aware of having such documentation and said she did not know what I meant. She started to go over the information on the account and it was different from the information originally reported by XXXX XXXX. I started to question if the account was mine. She said I was talking over her and she was ending the phone call and hung up. I sent out a letter of verification inquiring about the account in XX/XX/XXXX.
Ocwen has made an attempt to call me around XXXX, Saturday, XX/XX/2018 - this is in regards to collect a debt. Any information will be obtained and used for that personal business matter - however, if I remember correctly, we are on a balloon plan with them, so with that being said, this $ XXXX amount of debt owed, does NOT have to be paid, until the balloon payment plan that we are on, is settled and paid off. They call me once every month to remind me that the amount of the $ XXXX debt is owed, yet, we are in the mist, of trying to keep other bills current, and paid. But also last time I checked, we are current with the mortgage payments, so why are they still harassing / bugging for $ XXXX worth of late / misc. charges?
I recently pulled my credit report and found that Experian reported wrong information into my report. 
I am requesting that these accounts must be assessed for accuracy.