WillisBack/dataset-financial-user-claim huggingface dataset:
Send feedback via EMAIL since I am traveling and a hard copy to my billing address. 
Capital One does Not have a reasonable feedback process to send complaints to Capital One except calling NO written feedback option as when I content charge and fees it says call and will not allow submittal of dispute. 

Capital One refuses my requests to provide me all credit card charges made internationally with foreign denomination, exchange rate used and fees. 

Each charge is hidden fees and difficult to TRAIN Capital One since they do not have all data available to verify each purchase accuracy. 

Since I'm traveling for 2 months I want all charges since XX/XX/2018, to show foreign denomination, exchange and and fees. 

capital One web PREVENST me from submitting direct feed and always pops ups message to call which I can not do internationally! Any call from a mobile is charged to teh customer and capital One has IGNORED this feedback problem in the past.
Went through XXXX, funds transfer company, to purchase a few clothing items i found for sale online. When I did not receive the items in question, I filed a claim with Wells Fargo. They ended up giving me my funds back, however they now took all the money back due to the fact that they said they're only responsibility is to make sure the funds got transferred. They do not want to say that fraud happened and take the loss I assume. But it is unfair because I am now stuck with XXXX as my account balance, and they will not re-open my claim so as to allow XXXX, which whom I spoke to a rep from, to go over the claim again and figure out what happened. I tried to have them review my claim, but they are stating they do not have to cover me. I trusted them to make sure my funds are secure, they are not doing that. I have all the evidence necessary to prove I never received goods, security cam footage from the following weeks as well as my address being registered with USPS informed delivery, so I can track and see any package coming to my address from any courier. Wells Fargo still wont open my claim again and try to help me get my money back. 

I can give you guys my XXXX log in if necessary.
After experiencing XXXX I had XXXX XX/XX/2015. This XXXX along with the XXXX forced me to take an extended leave of absence from work. I contacted Flagship Credit Acceptance to make my XX/XX/XXXX payment on XXXX XXXX, 2015. When asked why I was 7 days late, I explained about the XXXX without divulging my PHI information- I was XXXX and admitted as an XXXX something rarely done today. The representative wanted to know what body part of mines was operated on. I know that this was definitely a violation of not only my human rights, but PHI ( personal health information ) and he was going to share this information which was a HIPPA violation. I have been also told on numerous occasions by the Flagship Credit Acceptance Staff that they do not offer better terms refinancing on their loans and was advised to contact the dealership XXXX of XXXX regarding refinancing. XXXX of XXXX then refers me back to Flagship Credit Acceptance who continues to do business locking consumers in their predatory lending making it nearly impossible to locate financing with other lenders because like myself I am underwater or upside down in a car loan that is only 14 months old.
I received a notification on XX/XX/2018 from XXXX & XXXX is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.
I called Capital One on XXXX to try to resolve an old charged off account. The account has a balance of {$4300.00} and I spoke with a representative that offered me a " Paid in Full '' Settlement for {$2700.00} to which I agreed. Capital One emailed me a settlement offer letter. I called back with a follow up question an hour later, and the representative informed me that Capital one was withdrawing the offer because I had been issued a XXXX for this debt in 2014. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.
I received a letter from CBE Group last month ( XX/XX/XXXX ) that said an unpaid XXXX account had been referred to CBE Group for collection and that I owed more than {$450.00}. 

I do not have an XXXX account. Concerned about fraud, I called XXXX for more information and they confirmed I did not have an account and therefore, said it was impossible for XXXX to have forwarded any information to a collections agency. 

I then called CBE Group. They began the call with a " confirmation '' in which they read my address aloud for me to confirm even though I did not give personal information on the call -- not even my name. I don't know how the repesentative knew to pull up my address of why they had it on file. 

I informed a representative that I did not have an XXXX account. She then proceeded to tell me the name/handle associated with the XXXX account, the email address associated with the account and the items purchased on the XXXX account that led to the unpaid balance -- I'd never heard of any of them. 

The representative said they would include this information in their file and CBE Group would " investigate '' and then reach out to XXXX to confirm that this information was true. She said if XXXX confirmed this information, then CBE Group would send a letter back to me to confirm I no longer owned a debt. 

This was not the first time I'd received a letter from CBE Group. The first time I received a letter was a few months earlier but my attorney told me it was a scam so I did not respond. However, after that, I received at least one call from the company. Then I received the second letter ( in XX/XX/XXXX ), which said that if I did not respond in 30 days, that the debt collection agency would assume the debt is valid.
Portfolio Recovery is reporting erroneously that this account is open. 
I have no open account with Portfolio Recovery. 
I have no contract with Portfolio What is a factoring account? 
I have disputed and it has come back verified. 

I wrote to the BBB of Virginia on XX/XX/2018 and has been assigned case # XXXX The BBB response was as follows : " We have reviewed your complaint and see it is outside the realm of assistance provided through BBB. However, in order to be of some assistance, BBB has forwarded a copy of your complaint to the company. BBB did not request a response from the company, therefore, no further action will be taken by BBB and has closed your file. '' What??????!!!!! 

So, I paid them, and my account shows open and reporting, hurting my credit, and the BBB refused to help me and is useless.
NORTH SHORE AGENCY ( NSA ) alleges that I owe money for a magazine ( XXXX ) that I did not order or request. I DID NOT RENEW the magazine subscription and DID NOT RECEIVE the magazazine as claimed by NSA NSA has threatened my credit rating and turn this FRAUDULENT bill. NSA has a history with the FTC for engaging in this form of fraudulent behavior, in fact, NSA has been been the target for numerous FTC complaints and actions in the past.
Reference complaint XXXX in which XXXX attempted to collect a debt from me. Convergent Outsourcing is now attempting to collect a debt with a similar balance and referencing the same paypal credit account # XXXX. XXXX continues send this information to collection agencies to attempt to collect this debt which I do not owe and have no knowledge regarding.
On XX/XX/XXXX, I was charged a {$95.00} annual fee for my Citi / AAdvantage Platinum Select World Elite XXXX credit card. On XX/XX/XXXX, I called the card issuer, Citibank, to close the account and thus have the fee canceled ( within the 30 days allowed, following the date of the annual fee charge ). During my phone call, Citi offered me an incentive of a {$95.00} or {$100.00} statement credit to keep the account open. The credit would be applied to my account if I spent at least {$1000.00} in the next 90 days. I accepted the offer, did not close the account that day, and charged {$2600.00} to the card later that day ( XX/XX/XXXX ). On XX/XX/XXXX, I noticed that the statement credit had not been applied to my account and called Citibank to ask why. The representative with whom I spoke acknowledged the error and said the credit would be applied in 1-2 business days. Today ( XX/XX/XXXX ), I noticed that the credit had still not been applied to my account. I called Citibank to ask why. The representative said I had not fulfilled the requirements to receive the credit because I had not waited a day after receiving the offer to make my qualifying purchases of at least {$1000.00}. I don't believe I was told that the offer would not be in effect until a day after it was made. I told Citibank this on the phone today and requested that they apply the promised statement credit to my account. They refused, so I closed the account and told the representative that I would file a complaint with the CFPB. This is that complaint. I ask that the CFPB contact Citibank about this and have them make good on the promotional offer they made me on XX/XX/XXXX, the requirements of which I believe I fulfilled.
I have repeatedly asked for itemized explanation of the debt as it is easily four times that of what I should owe. I have asked for a settlement amount. I have asked to be called when I am available to talk which is after XXXX. I get repeated calls at the time that they know that I can not talk, and they give none of the above information. I am attempting to settle this matter but they do not seem to want to give me the proper information AND while I wait for this information they report again and again on my credit report.
My student loan was in default status. In XXXX of 2016, I started the process of bringing the loan out of default, by submitting payments and filling out the default application by Vermont Student Loan Assistance. I began officially in the program in XXXX. Every month the invoice came in and I paid it. In XXXX I began getting phone calls and received one letter indicating that I had missed a payment. When I was able to get out of work early enough to return their phone call, I discovered they applied the payment I sent in for XXXX in XXXX because it was TOO early. Thereby making it look like I had not sent in a payment for XXXX. Because of a change in finances and having my banking information breeched, I was unable to make a payment in XXXX. When I was able to make contact and explain the situation thoroughly I was advised that due to non-payment, I was being place BACK in collection and that I had to start the entire process over. 

I have been working diligently to pull this student loan out of default status and I feel that despite my due diligence and doing my best to work within their perimeters, I am being punished for unforeseeable problems. I live paycheck to paycheck and have worked hard to make sure that for the last 10 months the payments were made either on time or early and am being punished for this.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  TALBOTT, ADAMS, AND MOORE INC fo r reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
I cancelled my account with XXXX XXXX in the spring of 2017 over the phone, I did not record the call. I have not received any correspondence from them since until this week, when a new bill arrived with XXXX in new charges. 

I called and was told this was a renewal fee, and they refused to remove the charge from my account. I have told them I refuse to pay, and they have refused to remove the charge.
This reported item was a duplicated sent printer. I spoke with XXXX rep who told me to decline receipt upon arrival, which I did and carrier took it away immediately. Obviously, XXXX failed to remove this double shipped printer from my credit card. I called to confirm this was removed and was told that it was. This is an erroneous charge and needs to be removed immediately. The credit card from XXXX has since been canceled. Please have this removed immediately as it is affecting my credit rating.
US Bank committed a possible UDAAP violation with their bill pay system. I utilized their bill pay system which stated that my rent check would arrive at my property management office on the XXXX. It was not disclosed that, although a paper check would be mailed, that it may not make it by that date. Thus I had no problem using the service and expected my check to arrive on time. However, the check did not make it on the stated date. I have now incurred a late fee and threat of eviction due to this. I called their bill pay department and explained the situation and requested reimbursement for the late fee. The agent handling the call stated that US Bank would not reimburse me for the late fee because they could not control the mail. I pointed out that the website had no such disclosure or I would have used another method or arraigned for the payment to arrive earlier. I further explained that I have used the method in the past and have had no issues with it. I put my trust in the method and now I can not trust the method. The agent still ignored my statements and argued that it was not a UDAAP, I was free to research the laws on the matter, and US Bank would not reimburse me.
A credit inquiry made on my Transunion credit report on XX/XX/XXXX by XXXX. I did not contact on this date to establish any type of service. As of XX/XX/XXXX, I placed a fraud alert on my credit file because of all the different things going on with hacking and scamming. I contacted both Transunion and XXXX without resolution.
I cashed US Savings Bonds at Valley National Bank, XXXX, NJ. Upon receiving my XXXX from the bank one was recorded for the whole amount and not excluding the principle. I have called the banks customer service, spoke with a branch representative, wrote their executives and have yet after over a month received a corrected XXXX. Here is the text of my email on XXXX XXXX and resent second request on XXXX XXXX. 

XXXX XXXX XXXX - President Valley National Bank : Dear XXXX, I usually write to XXXX XXXX when the occasion arises however, I decided to give him a break. Unfortunately, as a Valley customer and shareholder I continue to have issues with the bank except when I go to the XXXX XXXX Branch. That said I cashed numerous US Savings bonds that are now maturing after 30 years. Last year from mid-year on I cashed XXXX, this year will be XXXX at XXXX per month. I cashed all in XXXX XXXX except XXXX and XXXX of the XXXX cashed in the XXXX XXXX XXXX branch was incorrectly recorded. Why I know and why it sticks in my mind is that although I have multiple relationships with the bank, put my driver 's license through your system and opened the accounts in that branch the CSR proceeded to demand ID and she even wanted my Social Security card which I do not carry. This is all even with me depositing the proceeds into the passbook opened in that branch. Please see below. 

On the VNB XXXX received the bond number is XXXX and the amount recorded is {$110.00} which should have been {$90.00} since the bond at that time was a {$50.00} bond that you paid {$25.00} for hence the principle amount. On XXXX XXXX after a long and arduous conversation with customer service they connected me with XXXX from the XXXX branch. After discussing the XXXX at exhaustion she agreed it was wrong and put me on hold, made some calls and when she came back advised I would be getting a revised XXXX. Well today is XXXX XXXX and I have yet to receive a simple correction. Sadly, the additional {$25.00} shaves off {$15.00} additional off my refund. It is a miniscule amount but why should I be penalized for the poor work on behalf of a VNB employee, would you not agree? 

Before I go further, I am respectfully asking for your help. 

Very truly yours, XXXX
The issue is a former complaint about a credit card fraud control attempt to authorize a charge for my phone bill to XXXX and has become frozen and blocked to prevent fraud. i have received multiple attemps to collect my information without reason, after i felt I have identified myself and have continued paying the debt owed,XXXX now to XXXX USD to CITI simplicity credit card services. i have received XXXX. The card company and agents wo n't identify me and will not close the account so I can just pay the money back and refuse the invitation that got me this situation in the first place, a mailed invitation. I 've now lost or stolen the card from somewhere and the fraud service will not cancel the card until I am identified over the phone and using my social security card, license, utility bill and other forms of identity, like fraud. I have included documents. Letter from predsident a case number : from cc : Consumer Financial Protection Bureau XXXX # XXXX
This collection was disputed and also deleted on off of my credit file on XX/XX/2016 but keeps reappearing. I have never done business with Midwest Recovery. I do not have a signed contract nor any contract with Midwest Recovery. I am not liable for this collection from Midwest Recovery. Please validate this debt with Midwest Recovery and myself. An alleged bill from another company or alleged e-signature provided from another company is not proof of validation of a debt and is not suffice. Midwest Recovery failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation. This violation can result in a {$1000.00} fine. All communication is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.
On XX/XX/XXXX I purchased a ring from XXXX XXXX in the XXXX. A Comenity Capitol Credit card was opened for the purchase. The credit card was charged {$8600.00}. I was told at the store that if I was not happy with my purchase that I could return the ring for a full refund within 30 days. I was also told in the store that my ring would appraise for well over the {$8600.00}. I brought my ring home and had the first appraisal on XX/XX/XXXX. That appraisal came in at {$4900.00} That appraisal cost {$75.00}. XXXX XXXX would not accept my appraisal. I had to get a " designer appraisal '' at {$120.00} That appraisal on came in at {$7700.00} I told them I was not happy with my purchase and wanted to return the ring. They refuse to give me my money back. They got the ring back on XX/XX/XXXX. Registered mail and insured. ( Proof enclosed ). XXXX XXXX stated they do not do give any refunds only store credit. I was lied to when making the purchase. I have enclosed page after page of NY Better Business Bureau of the same complaints. They were supposed to issue me store credit by XX/XX/XXXX which I did not agree to and on XX/XX/XXXX still nothing. I contacted the credit card company to issue me a refund and dispute the charges. They refuse to issue me a credit. I do n't have the ring or the store credit and they are still charging my credit card.
My husband passed and since then I have been struggling to make my mortgage payments. My home is in foreclosure and I have been trying to work with my lender Wells Fargo to find options to help me keep my home but I am constantly getting the run around and unable to get flat answers from them. After researching online I have realized I am not the only XXXX in this situation and feel I am being taken advantage of and not being treated fairly nor properly. I am now facing a sale date on XXXX/XXXX/2016 and can not even file bankruptcy to save my home as I have exhausted that option way to many times and can not afford to pay my mortgage on top of a payment plan through the court. I need more time to figure out my options and for Wells Fargo to work with me instead of selling my home.
I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor XXXX  XXXX XXXX XXXX with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor XXXX XXXX with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.
I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : Experian : *Delete XXXX XXXX & XXXX XXXX XXXX XXXXDelete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX XXXX address : XXXX XXXX XXXX., XXXX, FL XXXX ( These addresses do not belong to me ) XXXX : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX XXXX  : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX XXXXDelete XXXX, XXXX *Delete XXXX, XXXX, XXXX XXXXDelete address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX
Hello I have written many request to experain to validate things on credit report. They are saying that validated these accounts but have no proven to me these accounts are mine. According to federal my accounts must be validated with proper documentation which experain has never given me.