WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX XXXX XXXX XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are ignoring my requests.
I used my debit card between XXXX and XXXX. At this time my checking account was in a positive balance, on XXXX I withdraw funds out of my checking account in the amount of XXXX, that caused me to have a overdraft fee of XXXX. On Tuesday, something told me to check my regions account, which I did and my negative balance was approx. XXXX. I thought this was an error so I called Regions customer service, I spoke to several supervisors on this day, the last person told me that her supervisor would issue a XXXX refund but that was it because, what happen was even though my account was in a positive over the weekend, when I over-drafted on Monday that caused my account to overdraft 9 times, which I am confused, how can you overdraft when your account is in a positive? Regardless of what order your transactions are being entered and I expressed this to the supervisor, whom advised me to go to the branch and speak with a branch manager, on XXXX, I spoke with a branch manager whom stated they can not refund overdraft fees anymore, that was taken away from them, she also gave me the total that I should of been charge, she states XXXX. My transaction receipt says I would be a charged an over-drafted fee and my negative balance is XXXX. This is not right, I do n't have money to give to Regions, I know that I had to pay a over-draft fee for my withdrawal on XXXX. But not for any purchases I made over the weekend prior, this is not right and should be looked into. How can you charge my account over-draft fees when I was in a positive balance and also, why are you turning the transaction order around, that 's how a lot of people miss fraud, the order should stay the way the person uses their debit card. I never knew the order was changed and have always wondered why I had to study my account to make sure there was no fraud transactions on it, this make it hard for a fraud transaction to be recognized immediately, unless in my case it 's XXXX in over-draft fees. And also, on XXXX the branch manager advised me to call customer service back pertaining to the fees, and I did so sitting in her office, the only thing I was told very rudely, was that I was getting nothing back on my account, and spoke to another supervisor that stated she will file a complaint for someone to call me back. This is horrible, I do n't have money to give to Regions, notice i over-drafted on XXXX. Why would a bank try to take a persons money? Upon writing this complaint, XXXX from Regions called me and explained that she will refund another XXXX and also they have charged me another XXXX for a transaction that I made over a week ago, my account balance is now in the negative of XXXX. I have been giving mixed communication about opt in and opt out, so I am opt out of Regions service, and still did not receive a full understanding on that.
In XX/XX/XXXX I cosigned a loan with XXXX XXXX XXXX in XXXX XXXX Iowa. The Loan was extended in XX/XX/XXXX and my mother defaulted on the payments. At that point I recvied no contact either by phone or mail from them. They garnished wages from my mother and I was never notified of any issues with payments. They said they mailed information but I never recvied it. Nor, did I recieve a call. 

On XX/XX/XXXX I spoke with XXXX at the office. She even stated that it was completly mishandeled and wanted to do something to help me. I called and spoke with an office manager named XXXX who was not helpful at all and basically said oh well and it was my responsibility, not thiers to keep up on it.
On XX/XX/XXXX, I had service installed with XXXX XXXX. I was unhappy with the service provided and on XX/XX/XXXX I called to discontinue my service. XXXX sent final billing statement dated XX/XX/XXXX- XX/XX/XXXX requesting that I remit a payment for {$110.00}. I've made several attempt to discuss and disputes amount with creditor and debt agency the charges are incorrect. I should only be charge for days of service use not entire month of service.
received calls before  XXXX  and it 's someone from  XXXX  stating I own money and I ask to remove my number and keeps calling
I opened account with a promise of promo bonus of {$220.00} for having direct deposits to my account and never got it.
XX/XX/2018 Transunion.com {$19.00} Went into TU website to check credit report. 
Went through steps in providing personal information. 
Then was asked to enter credit card # and security code. 
Did not see any disclosure on whether my card would be charged. 
Learned after calling customer service that {$19.00} was charged on card. 
And that I had enrolled in monthly monitoring service with {$19.00} monthly fee. 
Cancelled service immediately. 

Very deceptive process I just went through.
I paid an amount of {$350.00} to the collection agency and the collection agent stated would request the removal of debt from credit report but only reported debt as paid and will not have it removed ... collection agency did not do what was agreed to. then when I call back the supervisor was abrasive and rude and proceeded to hang up on me in mid sentence. I feel abused and lied to.
Received A robo call at XXXX today from a company called credit solutions ( XXXX and this lady come on ask my name and ss # and says I owe {$450.00} from some pay day love and I had committed check fraud and I ask her what bank and when did this happen she said in XXXX at a bank I stop using in XXXX and I ask her how did that money get in that bank in XXXXshe said she did n't so ask her not to call this number until she had her facts correct, then at XXXX robo call my job and someone came on and stated the same line and again I ask the not to call my job until they had their facts right and the she said I would be serve at my job or home and I told her that I would report this as soon as I get off the phone.
On XXXX/XXXX/XXXX I received a call on my cellphone from area XXXX same area code as my mothers doctor. Return call to find out it was from XXXXXXXX XXXX. They are in XXXX, Colorado. Why not be honest and use the correct calling area, Customer rep told me they handle XXXX XXXX  accounts. That this account was with them since XXXX/XXXX/XXXX at or about XXXX/XXXX/XXXX they reported this to credit bureau. No letter XXXX just threw on report. 
I told her how could they have account when only letter came from a company called XXXX. That they replied with a cease collection on this account. ( enclosed copy Look at the dates! 
I am asking remove negative from credit report. They do dot want to get involve in this horror with XXXXXXXX XXXX 
Just for your information XXXXXXXX XXXX offer me {$150.00}. I refused ( This was a 2 year contract- They fail in so many ways not your problem. Also refused to register mail.
My complaint is with t he Barclaycard " Gold Card ' ' credit card, that prior t o   XXXX    2016 allowed Service Members to not pay the annual fee for the primary and additional users and receive a 0 % APR for duration of   XXXX   XXXX   XXXX  . After   XXXX    2016 the company changed its policy and stated that the previous requireme nt was null and void and now all  XXXX   XXXX  would be required to pay the annual fee of {$990.00} per year. This change greatly affects the terms and conditions that were presented when I activated my membership on  XXXX   XXXX   2016 . I have the letter stating that in  XXXX   2016 , I would not need to pay the annual fee, not pay an additional user fee and I would receive a 0 % APR for my duration on  XXXX   XXXX   XXXX . I thank you for your time, feedback and support.
I had a co-worker tell me about refinancing my home with Quicken Loans ... I called the company to ask what they could do for me etc ... I gave them all the info they need reguarding my home etc ... the guy pulled my credit score which was XXXX he said, he could combine my mortgage and debt i had and save me about {$260.00} a month and that I could write off mortgage than my debt every year and save me money ... they sent out an appraiser etc. I lost {$500.00} of my money now ... since we were trying to get a loan for about {$180000.00} and house appraised for refi only, he gave me $ XXXX, he was maybe at my house XXXX min .... my Realator said, he low balled the amount, min. should 've been $ XXXX as high as $ XXXX ... Not only have I lost my {$500.00}, but I felt mislead ... So upset over the whole thing, I was just trying to consilidate. I had some equity already when I purchased the house 2 years ago this month.. 

thank u, XXXX
We were notified today XX/XX/2016 that we have Hard Credit Inquiries on our Credit Reports ( XXXX, Experian and XXXX ) for a loan that we DID NOT apply for. 
The following companies XXXX, XXXX, XXXX, XXXX and others have run Hard Inquiries against our credit reports and we have Never heard of these companies before. We call XXXX and Experian and they put a Freeze on Our Credit Reports. XXXX has not put a freeze on yet. XXXX and Experian said we would have to call these companies as ask to have the Hard Credit Inquiries removed but we said this is FRAUD. We had a freeze put on our credit reports so no more credit inquiries can be made for now. We have already had our credit scores reduced by these Fraudulent Credit Inquiries. We need help in all of this since XXXX and Experian and XXXX DOES Not want to help us. We paid money to have the freezes put on each credit report. Do we now need to seek a lawyer to help us and have to pay for the lawyers fees too? We have tried for a long time to get improved credit scores but in a flash our scores are lower and we did not even apply for any loans or miss payments but are being penalized with no one to help us.
Withdrew funds from my XXXX XXXX bank account for {$2000.00} when I had not authorized them to do so. Bank reversed transaction since I did not have the funds available. I have since changed bank accounts and continue to be harassed by this company.
I found a credit card account on my credit report that I did n't recognize as one that I ever had. It is reported as a Charge Off and is seriously affecting my ability to get credit. 

I sent Bank of America a letter requesting validation of this debt on XX/XX/XXXX and I received no response. I also pulled a copy of my credit report on XX/XX/XXXX, 31 days after they signed for my first letter. They had failed to mark any of the bureau reports " disputed '' as they are required to do by the Fair Credit Reporting Act. 
I sent a second letter on XX/XX/XXXX requesting validation again and reminding them of their responsibilities, this was signed for on XX/XX/XXXX. I still have not heard back from them about this. All of these documents, including the letters, bureau reports from XX/XX/XXXX and proof of delivery will be attached in step 3. 

They have not responded since, this is unfair that they can just put this item on my reports and they are violating the law by not reporting that I have disputed this information.
I was involved in a car accident and then taken to the nearest hospital by the ambulance. I give them my medical insurance card and also my auto insurance. They should contact and billed my health insurance/ auto insurance instead of myself. I just found out that the debt went to collection agency. I was so XXXX that I eventually paid them first and thinking that my insurance will reimburse my payment. Eventually they never did.
I have contacted and tried to resolve the issue with Portfolio Recovery Associates in the matter of credit card and other misc debt that has been opened under my name and information. This company states that they have sent mail in regards to this issue however I have yet to receive a thing. I tried contacting them directly via email to see if they can send the paperwork, however I am not getting any responses after their initial 'We need to make sure this email is secure ' email they sent where they had me reply back an 'I Agree ' to continue communications. Well this was sent on Wednesday and I have yet to hear back. I have sent an email to them on Friday stating " I need to know if youll be responding to my emails. Ive already sent an I AGREE response and havent heard a thing back. I can always open up a complain again but I decided to give you a try by contacting you directly. '' I need to dispute ALL charges that are tied with my social security number including but not limited to ( accounts ) : XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX XXXX : {$220.00} Total : {$2100.00}
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX opened a file on my credit report in the amount of {$450.00}. Opon learning of this in XX/XX/XXXX or XX/XX/XXXX, I called XXXX XXXX to report that this debt has been paid as per a settlement with XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX I moved in XX/XX/XXXX from XXXX to XXXX and I never received a final letter from XXXX XXXX showing that the settlement had been fulfilled however I did have other documents showing that I had made an agreement and that I had fulfilled those terms. I was told to contact Capital One the original creditor for resolution. I did and sent all supporting documents. They claimed this wasn't sufficient and I proceeded to contacted XXXX XXXX  several times to resolve this. repeatedly being left on hold for long amounts of time, being told I would be sent a letter, never to receive anything, finally today XX/XX/XXXX I spoke with XXXX who was formerly XXXX XXXX and requested again a letter showing I had paid this debt and requesting that they report this accurately to Capital One and the credit agencies, they took my request and stated I would receive the letter in 30 days but could doing nothing else. Isn't this their responsibility to report accurately?
On XX/XX/XXXX at around XXXX XXXX I deposited a check for {$1600.00}, that was issued to me by a web company I had done some work for. The next day, XX/XX/XXXX, I tried to transfer funds into my son 's High School checking account, but was unable to do so. I then called Chase bank 's customer service number ( XXXX ) to ask why this was the case and was informed that a restriction had been placed on my account and was transferred over their Fraud Department. I then proceeded in speaking with a rep who told me they had to wait for the check to clear or get verified before my account could be accessed, but no further information was provided. I wasn't worried at that point because I knew it was standard operating procedure. The next day, Friday, XX/XX/XXXX, I logged in to check for my payroll direct deposit which usually comes through every 2 weeks, and did not see any credits into my account. As soon as I could, I called Chase customer service again to find out if there were any pending credits, and once again was transferred to the Fraud department, and this time received more information about how even my direct deposit was blocked from going through - AND whatever available funds I had in my account prior to the check deposit on XX/XX/XXXX was being held from me without any access to it whatsoever leaving me stranded over the weekend without any money whatsoever. I understand the whole process of putting a hold on funds against a check with questionable validity but to restrict an entire account with verified and available funds that had been sitting there AND to block a direct deposit from going through is just wrong. You are punishing your customer for something you deem fraudulent without any form of recourse. I would at least expect access to my money with the exception of the funds being held. I was told I needed to wait for an additional 2 business days and if there was no resolution to the case, the account would be closed within 10 days. Why are you punishing your customer for something I had no hand in, nor knowledge of? I deposited a check for work I performed because the bank the check is drawn from is not local to me, and because I only bank with Chase, I have no other way of negotiating the check except to deposit it into my account. How do I even correct this? Someone please explain how what you just did is legal. I just would like access to my own verified funds and my direct deposit to go through. I have bills outstanding that have to be paid. They should have looked at the history of my account and seen that it has always been and consistently used for legitimate purposes. If you must, place a hold on the funds for the amount of the deposited check but to put my account on full lockdown is beyond me. I didn't get any notifications or alerts that Chase was going to restrict this account, and I am appalled they would leave their customer stuck like this.
I opened a prepaid accou t with chase on or around theXX/XX/2018. And deposited approx {$1000.00} of my pay check. I made two transactions and the account was frozen by the bank almost immediately after I responded to a fraud warning when I was trying to use it that same evening. Since that moment Chase employees have lied to me at every turn. Clearley not mistakes willful and spite filled lies about the amount location and projected payment date of the few hundered dollar balance. Today alone the status of the account I was told on Monday would be closed Wednsday was said to closed then I was told open and suspemded before they settled on it being closed and the check procceced as reason that I could not come to a branch and simply withdraw the funds. I have been told the entire time this was not possable but today apperently it is. I don't trust banks clearly and know full well they serve no legitimate function but still feel their unique status and the public allowances granted them to circumvent trust laws and sound bussiness practices complells them to some degree of honestly. Or at least have some law that prevents attempts to insight violence with hired thug security or telling abject lies to the faces of their customers. How long must I wait before I can charge late fees and interest compounded as they do us? Or is this a totally one sided government forces exploitation bank XXXX XXXX XXXX
Dear TRANSWORLD SYSTEMS I have no idea who, where, and what is XXXX XXXX XXXX, please I have never had any service by such company. I'll need to be resolved or we can take care of that with our court system. I don't know that company, I have never been to any business named XXXX XXXX XXXX. You are attempting to collect a debt that's false, and that is illegal to have it on my credit reports. I'll send this to XXXX to make sure to run an investigation on your cases because I looked Transworld on XXXX also it says you guys only purchase debts that are not true, inaccurate, false, and paid. Please I'll ask you to do a real favor, destroying my reputation is crime when you do it with a debt that I don't know of. Thank You!!! 
{ { { { { Opened : XX/XX/2016 ( 1 yr, 11 mos ) Account status : Open Amount : {$860.00} Amount : {$68.00} Original Creditor Name : XXXX XXXX XXXX } } } } } } }
Card issuer is sending duplicate cards without justification, sending false e-mails of fraudulent charges
I have made multiple complaints with  XXXX  for verifying my accounts with ACS/  XXXX   XXXX  . There ar e 3 accounts that are currently being reported past the seven year period of the original date o f delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /  XXXX   by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.
i have contacted equifax office of consumer affairs on several occasions and have been denied access to receive copies of my credit report after providing all the documents that they requested also i was a victim of identity theft in the past and i fear that equifax has been reporting that information on my credit file i have tried to remedy this a lot of times only to be told that i can not dispute any information that i feel is inaccurately reporting. I have also asked them to remove all derogatory information that was related to the fraud only to be hung up on several different occasions I have documented proof that equifax has been adding information to my credit file without getting the consent from the actual owner of the information its self and not doing a complete investigation.. i have been told that i can not receive any copies of my credit report and that i can not dispute any information on my credit file even though the information is inaccurate. causing unjust harm and exposing me to even a greater risk when it comes to my credit file information violating my consumer rights
I have filed a police report on these accounts and they were deleted from my credit report then put back on a month later! XXXX XXXX was opened XX/XX/XXXX in Michigan. I dont even have a Michigan Identification or DL and I havent for years. This car was stolen and I was sent a letter that it was in impound and picked up by XXXX XXXX. The balance shows {$24000.00}. Please remove this from my credit reports ... all 3! Also, XXXX XXXX XXXX was opened XX/XX/XXXXand has a balance of {$1200.00}. I did not open that account. I only have one account with XXXX XXXX XXXX  to which Im just an AUthorized User. There are also several debt collection agencies from XXXX XXXX XXXX with balances of {$580.00} and {$530.00} from XX/XX/XXXX. Another from XXXX XXXX in the amounts of {$430.00} and {$290.00}. Also XXXX XXXX XXXX XXXX. My personal credit bureau information was stolen, addresses were changed, and my Michigan address is being used even though Im never in that state. Please help me get these inaccuracies off my credit. There are also 29 INQUIRIES that I did not authorize or do that were already removed and appeared to my credit again