WillisBack/dataset-financial-user-claim huggingface dataset:
My issue is with my Capital One Mastercard. I opened a binary options account with a {$300.00} deposit to try out the platform and on or about XXXX XXXX, 2016 I received a call from XXXX XXXX XXXX, Head of Corporate Division, he told me that he would show me how he could make me a lot of money if I worked with him, he asked me to login to the platform and gave me a series of small 30 second trades and they all won, that was very impressive, then he said to invest more money that he would guarantee similar results and would call me 3 times a week with winning trades, that he consistently had a success ratio of over XXXX %, I regretfully gave him my credit cards and I sent him another {$11000.00} using a combination of credit cards among them my Capital One MasterCard ending in XXXX in an amount of {$6000.00}, then the next day he said that his boss got mad at him because he had committed to help trade such a small account that he needed me to deposit another {$25000.00} I told him that it was n't going to happen because I did not have it, he told me to come up with it somehow he even suggested that I should go and rob a bank and this I swear on my father 's ashes and I refused, ok here is where it gets ugly he said that because my account needed a higher balance he was going to give me a bonus and would double my balance, he increased the account balance to {$22000.00} and after that he said that in order to withdraw I needed to trade 50 times the bonus amount, in other words {$550000.00}!!! I told him that I did not know how to trade and he replied not to worry that he would give me the winning trades and in 2 months he will have given me trades exceeding the required amount. I started researching and saw horrible reviews on XXXX XXXX and their tactics, I asked him to send me my funds back, he said that he could not because he had given me a bonus, the funds were intact in the account all he had to do is back out the bonus and send me my money back, he did n't and he said that he was not going to be able to give me trades for 3 weeks because he was going on vacation that he was going to have someone call me, a few days later I received a call from a female trainer who gave me a 15-20 min instruction on how to trade and that is the last I heard from XXXX, I called and emailed several times in the following days and I received no response ever again, they kept my money and closed my account. I protested the charges to my credit card and XXXX XXXX Visa helped me, I got {$5000.00} but Capital One did not help me with the remaining {$6000.00} and they told me that they could not do anything, basically I am losing {$6000.00} because the actions of these thieves.
XXXX XXXX reported my account 30 days late to Experian Credit Bureau for the month of XXXX XXXX. The payment was due XXXX/XXXX/XXXX and was paid by me on XXXX/XXXX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XXXX XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.
My complaint is genuine. I 've sent in a forbearance payment which was XXXX dollars for XXXX signature loans to this cover up XXXX XXXX now Navient student loan company. Some staff member did not follow through what was submitted. I 've contacted the better bureau business about the company as well. The Navient feedback was a fraudulent submission. As as of now they did n't keep they word regarding the terms and conditions which were complied in the letter. They continue to call everyday using fraudulent out of state numbers which is very harassing after the company knows I am unemployed.
I need some help on getting the harp program before it expires. Wells Fargo only wants money no help. They call when I am sleeping and when I try to call back all I get is a voicemail for the last 3 yrs I try to get them to call back and let me know when XXXX call. No call backs. They said my payment was based on what we made that was including my XXXX got out of 401 k to pay doctor bill and survive. Now things have slowed down again and I trying to catch it before I get behind again.
Our checking account was emptied via XXXX fraudulent wire transfers on XXXX XXXX, XXXX. We have not yet received our money back from Chase Bank who is telling us that they have 30 business days to investigate and decide whether to return our funds.
XXXX shows a address and name that is completely wrong. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived there at all! I suspect fraud. They also show a name as XXXX? That is not my name. Transunion is correct. Why is my XXXX score at XXXX and my transunion score at XXXX? How can there be that big of a difference? My correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind XXXX I have worked at XXXX, XXXX XXXX, and now I work at XXXX XXXX XXXX XXXX XXXX XXXX. This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct. Please have XXXX remove this fraudulent information. Thank you XXXX XXXX XXXX
CITI STILL CONTINUES TO CALL REPEATEDLY ALL THROUGH THE DAY. 
THE CALLS NEVERED SEIZED XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX (XX/XX/XXXX ) XXXX
I paid off two credit cards balances in XXXX, and XX/XX/2018 and my FICO was at XXXX. I called Experian and discussed my one credit card incorrectly still showing a balance of {$1900.00} when this balance is XXXX in XX/XX/2018. They said wait until tomorrow ( XXXX ) and it will post. Today XX/XX/2018, I received a email your FICO has decreased 10 points. I called them on the phone and asked them how my FICO could drop 10 points in one day. They said we think you charged {$100.00} on one credit card in XXXX XXXXwhen I challenged that they said we dont know. I was also told since I do not have a mortgage that fact negatively affects any credit card debt. My credit card debt is medical costs for my XXXX. I reminded them I paid on time all credit cards and I recently paid off a {$1900.00} balance in XX/XX/2018. I asked for a Supervisor and she said I do not know why your FICO dropped and I have no control over your FICO its system generated. I asked her to identify the creditor so I could dispute the FICO drop she said there is no creditor or action to dispute your FICO just dropped automatically. The email states : Your FICO Score had decreased by 10 points. Good news. Even though your FICO Score went down your Credit Rating did not so it should not impact your credit worthiness XX/XX/2018 See attached Email. I was told to get a credit advisor Experian does not have any control over rising or lowering your credit score 10 points over night for no reason. There has been several increases and decreases for no reason over the last six months.
I have been a victim of identity theft and have filed reports with local law enforcement as well as the FTC. In relation to this identity theft, I have submitted fraud claims with Bank of America for unauthorized funds that were taken from my business accounts. Bank of America has refused to honor these claims in light of the aforementioned identity theft, even though the funds are FDIC insured.
On XX/XX/XXXX, Equifax received my dispute about Bankruptcys on my credit file as being incorrect. As of XX/XX/XXXX, I still have not received the results of the dispute nor has the information been deleted. When I called Equifax, the supervisor named XXXX with employee ID XXXX, states the information was sent electronically to an old email address and refused to send it to a new email address on file. Equifax has also not removed old addresses or employers as requested in XX/XX/XXXX. XXXX advised me the information has been verified with the Bankruptcy court, which I know to be untrue because the courts do not verify this information by calling them over the phone which she indicated is how it was verified. Equifax has not followed the guidelines set forth by the FCPB.
I've been receiving phone calls from Recovery Management Services Inc. Since XX/XX/XXXX. On XX/XX/XXXX I sent a Debt Validation letter to Recovery Management Services requesting that they send me validation of this debt and proof that they are licensed to collect in my state. They did send me validation of the debt, but no proof of licensing in the state of Michigan. After searching on my state licensing and regulations website Recovey Management Sevices Inc. did not come up. They are not licensed to collect in my state.
In XX/XX/XXXX I checked my credit report and came across a delinquent credit card. I opened the credit card with the original creditor XXXX XXXX back in XXXX. I hadn't used it past XX/XX/XXXX /XX/XX/XXXX as I lost my job and started to short sell my house in that timeframe as well. This account eventually was charged off and purchased by Calvary Portforlio Services XX/XX/XXXX. I disputed with them in XX/XX/XXXX stating that it shouldn't be reporting due to the age of the account. Their response was that it was reporting accurately and will remain on my credit report for another 3 years. So does that mean that everytime 7 yrs approaches that I will owe it continuously. I have attempted to try to get this fixed by a couple of attorney offices to no avail. In XX/XX/XXXX I applied for a car loan with my credit union and was declined due to this reporting on all 3 of the credit bureaus. I purchased a vehicle XX/XX/XXXX at a APR of 11.9 % which was not the APR that I was hoping for.
This is now my second concern regarding the same issue. I had to reach out to this agency approximately 1 year ago. This card was to have to ridiculous annual fee removed. I have attached a screen shot of the response from the company stating they have " permenantly '' removed the annual fee.
I have sent certified mail four times to Equifax ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Equifax dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XX/XX/2017. I 've been fighting with Equifax since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XX/XX/2017. I 'm requesting assistance in this delicate situation. Thanks.
On XX/XX/2018 I wrote to XXXX XXXX to ask how to ensure that if I were to make additional payments to my accounts that they would be applied to my principal balance and not to my upcoming payments. They responded they traditionally do apply additional payments to upcoming payments and put students in a " paid ahead '' status. I responded that I wanted to opt-out of paid ahead status and to have my additional payments be directly applied to my principal balance. Then I asked how I could ensure my payments were being applied directly to my principal balance and not towards future payments. 
On XX/XX/2018 I was told my account was beginning the process of being removed from paid ahead status and to allow 10 business days for the request to be completed. On XX/XX/2018, after paying more than {$2000.00} towards my account beyond my minimum payment I checked my account and found that I was in " paid ahead '' status. I once again emailed XXXX XXXX and told them the issue and that I not only wanted to be removed from paid ahead status but that I never received an answer as to how to ensure that I would be removed from paid ahead status. I also asked if there were any penalties for paying off my student loans early. 
In response on XX/XX/2018 I received an email stating that XXXX XXXX  was unable to verify my account based on the information provided. I have attached the email chain for reference. Currently, I do not see any indication from XXXX XXXX that I was removed from paid ahead status or that the amount that should have been directly applied to my principal but was instead applied to future payments, has been properly allocated to my principal balance. I also have not received any answer to if there are penalties for paying off student loans early. 
I emailed them back that day letting them know of the discrepancies and that I would be filing a formal complaint.
On XX/XX/2018, our loan was paid in full as we bought another home. We have been in contact with the Loan Mitigation Department because they said the Bankruptcy Department did not have a direct line of contact. We have - {$6800.00} in the Summary of amounts past due before bankruptcy filing ( Pre-Petition Arrearage ). Our Escrow amounts have been refunded to us but they keep saying they have to reconcile the account and this has been going on since the end of XXXX since we have been inquiring about the return of our funds.
I have a late pay on XXXX 2017 I have sent them a letter explaining why the bill was paid late Still waiting to here back from them
I had a 3-year car lease agreement with GM Financial. The lease started on XX/XX/XXXX, and ended on XX/XX/XXXX. And my account was in good standing. After I returned the car to the dealership, I got a {$1100.00} bill from GM Financial for excess wear and tear. I was shocked, then I got the inspection report, and the itemized bill. Among those items, {$640.00} is for replacing all four tires. This does NOT make sense at all. I drove this car for less than 3 years, and only had XXXX miles on it. Even the tires were worn, it's the quality issue of the car and/or tires. I don't think I'm responsible for replacing the tires. It should be normal wear and tear. I called GM Financial Customer Service the multiple times, the most recently on XX/XX/XXXX. I requested them to adjust my bill down by {$640.00}. But they denied my request.
I have maintained a credit card with XXXX XXXX XXXX XXXX XXXX for several years. I made several attempts to close this account over the years and for some reason or another I was unable to do so and continued to receive billing statements. In the last few months I escalated my efforts to close this account as the bank has began to send collection reports to the credit agencies for a nominal amount after claiming to have been unable to contact me. The bank has my telephone number and I did not receive a single phone call from them on this matter and the only reason my address was out of date is because I had believed my account had been closed. I have had my account past due in the past and recall receiving automated calls from the bank notifying me of the same. I would have gladly paid these nominal amounts and again attempted to get rid of this credit line had I known about the issue. 

I attempted to deal with the bank directly to was told initially that a supervisor would review my record and listen to the recorded telephone calls over the past years and get back to me - which they never did. I again had to follow up with them as I received yet another bill but this time was able to learn a little from this process. When I would call the bank and try to XXXX the account out - the bank would take payment for the past due amount but not for the interest and charged thereon which would then come out on my next statement thereby preventing my account from actually being closed. The bank was also very resistant to sharing information with me regarding my file and has left me in a situation where I do not have all of the facts I need to show them ( the bank ) that they need to resolve this matter. They have also told me that they are unable to communicate directly with the credit reporting bureaus once a report has been filed and I need to deal with them on my own to fix my credit score. 

When I called my home bank ( XXXX ) i was informed that the affiliation with XXXX XXXX XXXX XXXX XXXX had been terminated for similar complaints.
My Name is XXXX XXXX and I have mortgage through 21st Century Mortgage Corporation I have pulled up records back from 2004 when I took out the Note and it 's a balloon note with a 2nd mortgage that I was not even aware of. I found this from a friend who check the court records. This is a Manufactured home and I have tried many times to contact this company for help with my mortgage payments I am now on XXXX and I have no other income. I have applied for XXXX and they both could not help me. I do not have anywhere to go I will homeless and to top it all off i am only 35 days late on my payments. Their customer has been harassing me daily. I am trying to work with them but they refuse to help me get to a lower payment. Please help me get them to look at my income and get me to a payment I can afford.
Hi I have a account with coinbase and i hold funds in my account.i withdrawal XXXX euros from my digital coinbase account to my bank account on XX/XX/XXXX and they send me transanction ref number and told me that money will reach into my account on XX/XX/XXXX.but payment didnot come.then i email them that i didnot receive any payment.they told me that it could be delayed upto 10 working days.i waited 10 more working days but still money didnot come into my bank account.i emailed them many times but no reply. 
I making a complaint against XXXX XXXX XXXX.please help me to claim my money from coinbase My case ref number is XXXX My withdrawal ref is XXXX
I signed up for a Citigold checking account on XXXX/XXXX/XXXX through promotional offer XXXX which promised XXXX XXXX XXXX miles after completing two bill payments and spending {$1000.00} by debit card in the first 60 days. 

Citi failed to send me a debit card within the first 30 days and when i contacted them, they issued an ATM card that I was unable to use as a debit card. After another call to customer service, I was finally issued a debit card and requested to have the deadline of 60 days be extended another 30 days in order to complete the requirements in time, to which they agreed. 

I contacted Citibank on XXXX/XXXX/XXXX to confirm my eligibility had been extended and discussed the matter with online agent " XXXX '' ( Correspondence attached ). He explicitly confirmed my eligibility had been extended an additional 30 days and stated that if I completed by second bill payment XXXX, the requirements for my account would be met to receive the XXXX bonus points. 

I completed my bill payments in XX/XX/XXXX and XX/XX/XXXX and had multiple online conversations with Citi representatives to confirm that I still qualified and met all the requirements. 

I contacted a Citigold representative again in XXXX XXXX in order to follow-up on my promotional offer. a representative by the name of XXXX XXXX XXXX stated " there is an investigation open on the status of the offer. Once the back office support finishes their investigation, you will be notified via secure email to the address listed below with the outcome. '' I still have not received a response to this case being opened ( as of XXXX/XXXX/XXXX ), nor have any agents been able to confirm that there is even an open investigation related to my account opened at any time around this date. ( message correspondence attached ). 

On multiple occasions, Citibank gave me a password to open a secured email with the status of my request, however, a notification was never received by me. When I called back on XXXX/XXXX/XXXX and spoke with agent " XXXX '', he reaffirmed my eligibility for the offer and stated he did not see any open cases for the matter. He opened a new case ( reference XXXX ) to be resolved within " 2-3 business days ''. 

I called Citigold once more on XXXX/XXXX/XXXX seeking a resolution for my matter. A representative by the name of " XXXX '' stated they had not seen any forward movement on the account as formerly promised. I have lost all confidence in this matter being resolved internally. I want to thank the CFPB for representing customers in this unfortunate situation. Citibank has been incredibly disappointing, and I do not intend to continue doing business with them unless this can be resolved.
XXXX XXXX XXXX Account XXXX I have never received a single letter from this agency ; however, I am now seeing this on my credit report through XXXX. Additionally, the amount that the agency is trying to collect is absolutely fraudulent. According to my healthcare insurer XXXX the patient responsibility on my claim is {$2000.00}. XXXX XXXX XXXX is reporting a debt that is completely inaccurate {$6400.00}. I had absolutely no knowledge that this was in collections because I had not received any correspondence. I do not feel that it is very ethical for the Law Office to try to collect more than the hospital is contracted to be paid.
Equifax mishandled my information, which puts me and other XXXX XXXX Americans at risk not only financially but also emotionally. It makes me very anxious to have found that I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
As a company that handles sensitive personal information, they did not notify anyone quickly enough and admit that they will not notify everyone, while their top 3 executives XXXX XXXX, XXXX XXXX and XXXX XXXX sold their shares worth 1.8 million dollars 3 months prior to this issue was disclosed to the public  blinded by the quick profit!!!!!!
I used chat to explain the issue to Capitol One on XX/XX/XXXX (I have a log to attach). In short, I was unable to log into the credit card online account because the password that I had was no longer correct. BEFORE I contacted the company, I was able to reset the password and gain access. I was troubled because I was sure that neither me nor my wife changed the password. Moreover, when the password is changed, an email is sent that tells me that it was changed. I had not received such an email, which further raised my concerns. I contacted Capitol One through a 'chat-agent'. I requested the date of the last password change. I am NOT the primary account holder, that is my wife.They refused to tell me the date of the last password change (prior to the one I just did a day before-XX/XX/XXXX). I then explained to them why I still needed to know more. You see, I change the password the day before using: Her SS#, her DOB, and the Zip code. These items would be readily available to anyone who had the date from the XXXX  breach. I am concerned that ANYONE using this company's credit cards would now be at risk, as their security questions are too weak. They did assure me that they did not have a general failure in their system that would have lost/invalidated user passwords, so either: (1) The data field in their Database holding the password was corrupted; (2) Someone broke through their limited security to reset the password AND intercepted the email confirming the change (quite a trick);  (3) We inadvertently changed the password earlier in the month and just plain forgot. In that I use a password manager (1Password) even the 3rd possibility is unlikely. In any event, this is potentially an extremely important problem that can threaten the credit card accounts of any user of the Capital One scheme for resetting passwords.