WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently submitted a complaint to have the card re-evaluated to be unfrozen, but for whatever reason, capital one is refusing to assist with this situation. The previous executive office rep did not do anything to address the problem. All she simply did was reiterate what customer service keeps telling me, instead of trying to assist me with a resolution or work towards a resolution. She was completely incompetent and unhelpful and did not try to assist. I want someone who is willing to work on a solution to get this unrestricted as I have consistently been making payments twice a month, the account is current and is far below the limit.
On XXXX XXXX, 2016, I deposited XXXX checks totaling more than {$15000.00} in an ATM machine at a PNC branch during business hours. The checks jammed. The PNC employees were able to retrieve the checks and they sent them in to be processed. They filed a " dispute '' report even though it was their fault. A few weeks later they issued a provisional credit that was {$5.00} less than the amount that was originally supposed to be deposited to my account while they investigated. I noticed that the original checks had cleared but that they were not in my checking account. Note : XXXX of the checks was drawn from PNC (! ). XXXX would think it would be easy to trace for PNC. I received a letter saying to send copies of the cancelled checks in to PNC. I sent them by certified mail to the address that they mentioned in the letter and received the US Postal confirmation to show that PNC received them. I received a letter dated XXXX XXXX, 2016 saying they would be withdrawing the provisional credit on XXXX XXXX, 2016 and that they had found no errors. I went to my local bank branch to complain about this. The PNC employee that I spoke with, sent copies of the cancelled checks and receipt from US Postal Service into the PNC XXXX XXXX. She said that she could not prevent the bank from taking out the provisional credit out of my account right away. It would take several days. My husband had to write a check to prevent any checks from bouncing since we would be leaving for XXXX in a couple days. Finally, on XXXX/XXXX/16 the provisional credit was issued to my account for the full amount. But as of today, XXXX/XXXX/16, they are still investigating it and the checks have not been deposited. I received a letter from PNC dated XXXX/XXXX/16 stating that they need copies of the cancelled checks. If they do n't received them by XXXX/XXXX/16, they will " base our decision on the information available ''. I take this to mean they will reverse the provisional credit again. 
I told the PNC employee at my local branch on yesterday XXXX XXXX/XXXX/16 XXXX and she recent the cancelled checks once again.
There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by XXXX. There are duplicate entries by bank for XXXX. XXXX of the XXXX entries by XXXX XXXX XXXX has been deleted but an extra XXXX remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than XXXX days ago and the items remain.
When i had started XXXX for my XXXX degree XXXX in 2013, XXXX had told me i owed them money and in order to start classes i had to pay XXXX so i was told i can apply for a loan through Genesis Lending i was told i would not have to pay any loans from Genesis until i XXXX a couple of months later i started to get calls from Genesis on regarding paying my loans and told me i was given false information on paying the loans off. After the first loan XXXX had told me i owed them more money and the first loan was accidentally taken for only {$1700.00} and i owed XXXX over {$2500.00}. XXXX had taken out another loan through Genesis so i can continue my classes and i was told if i do n't pull a XXXX loan i will dropped from my classes. i was given false information about paying the loans and i was given false information on how much the loan amount was.
Good Afternoon, I have been a  XXXX  credit card client, since   XXXX  . I have been satisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect.  XXXX  has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all  XXXX  major credit bureau reports.  XXXX  has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting   XXXX   regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.     Thank you in advance, for all your assistance.
I was supposedly approved for a loan modification on my mortgage with DITECH. I completed by 3 trail payments by XX/XX/XXXX. Since then, I have been paying the trial amount each month but can not get them to answer questions about the status of my final loan documentation. I can not get my rep to call back with any coherent response, and all I get are letters in the mail pushing back a " resolution '' time by 14 days each time.
I had several medical bills go into collections XXXX and XXXX of 2018. TransWorld Systems , Inc. sent communications to me advising I had an outstanding balance owned to XXXX XXXX totally approximately {$2600.00}. Upon receipt of their communications, I immediately contacted them and made arrangements to pay the debt over a period of time. They accepted the terms of the arrangements, set the payments up to automatically debt from my checking account and I didnt receive any further communications from them accept to when payment were due. They sent me a note reminding me the payments would be drafted and to make sure the funds were available. After approximately 6 months of making payments they reported the debts to all three credit bureaus as unpaid debts. 
After some back and forth with the TransWorld and XXXX XXXX I learned TransWorld reported any unpaid debt after 90 days. At no time was I made aware that any portion of the unpaid balances would be reported to the credit bureaus. I was under the assumption that as long as I was paying on the accounts they would be considered current as TransWorld ceased all collections activity. It wasnt until after the accounts were reported to the credit bureaus that I was made aware of this important piece of information. I believe this is unfair collections practices. TransWorld should have clearly stated to me at time I made the payment arrangements that any unpaid balances would be reported after 90 days. I have since paid the full balance of the debts owed, {$2000.00}. I am currently disputing the accuracy of the collections matters reported to XXXX, XXXX and XXXX and have requested it be removed from my credit file.
There was fraudulent activity on my account on XX/XX/XXXX. Unauthorized checks came through my account that I didn't write nor did I authorize anyone to write. ( Hence since Ive had the account Ive never written a check or ordered checks ) After 30 business days I have not gotten any correspondence or information on the status of the investigation. I was told initially I would be contacted in 10 business days. To date I've called, went to the branch on several occasions and to no avail no one seemed to have an answer on the progress of the investigation. I called today XX/XX/XXXX and spoke with a TD representative, she gave me the name and the phone number to the agent that was handling my case ( XXXX XXXX ), however the number happened to be disconnected. I am aware that after 10 business days if there is no resolution on the investigation than a provisional credit will be issued. I spoke to a TD rep on XX/XX/XXXX and was told that was not the case. At this point I am very frustrated ; this has been a financial hardship and a great inconvenience. I need my money to be returned and my account to be cleared.
I am now XXXX years old and I live in XXXX, XXXX and own my home since XX/XX/XXXX. Back in XX/XX/XXXX, I began the process to get a reverse mortgage. My broker person works out of XXXX XXXX  in XXXX. I was to finalize on this reverse in XX/XX/XXXX and then they kept finding different things that I had to provide them that pushed the date off and now we are in XX/XX/XXXX and we have not gotten there yet ... I informed my mortgage company -- CIT Bank of my plans and in XX/XX/XXXX they stopped taking my mortgage payments, I believe to push me into foreclosure. However, I wasnt worried about this because I knew that they knew that I was going to the reverse mortgage and get out of the relationship with them. The problem is that we are going into XX/XX/XXXX and I still have not closed on this new reverse mortgage, and my company -- while not allowing me to pay my mortgage, ( which also includes some shady stuff, which is the reason I want OUT from this company altogether! ), they are increasing the amount of money I am to pay them to have this mortgage by LEAPS AND BOUNDS!!! And I am not getting ANY real explanation from my broker .... or at least a reason that is reasonable!! Our last pay off deadline was XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX my company has increased the money I am to bring to the table {$6000.00}!! WHAT!!? The amount of money changes from one day to the NEXT day, where the pay off amounts from CIT are concerned! I believe I need some assistance from your bureau in this matter! One of my biggest concerns is that this process is offered to seniors -- persons over XXXX years old,  so the banks probably believe they can tell old people ANYTHING and to PAY ANYTHING and they will pay it, REGARDLESS!! I really want to get the reverse mortgage, BUT I dont want to be SCAMMED! I believe they will retaliate against me if I push them on this because of how they, 1. stopped taking my mortgage payments -- then they wrote me & told me they sent me a check, WHICH THEY DID NOT DO!, 2. they will make it impossible for me to get the reverse because they will cost me out of it -- charging me so much that I wont have the money to pay it, and XXXX ... .AND by then, I will be in foreclosure, and not able to do ANYTHING! I think I am being SCAMMED! the CIT bank is a hard bank to talk to -- they are just out right MEAN and I hate to talk to them! they call me 40 times a day! the calls are intimidating ... Please help me! Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
I am not able to give exact dates or names. I have been having housing issues as a tenant at a residence from XX/XX/XXXX until XX/XX/XXXX at which time I was purposely evicted. I am still not able to find a place to live because of intentionally filed eviction against me. To add to that entry into my credit file, Navient had and continues to still have negative entries of non payment added to my credit file and that is done in a monthly basis. There are no hardship forgiveness nor any other options for people such as myself who are without housing or who are having such an economic issue like or similar to mine. The only option they have is to repay a student loan no matter is it will make you become deeper into a living hardship while still living without a place and homeless. 
The late fee and rates are even worse. All of that hurts me more. 
Please add me to the class action lawsuit against Navient. 
Thank you.
I applied for a car online through Carvana and was approved with XXXX deposit. I submitted the paperwork they requested for proof of income ( 2 paycheck stubs ) and proof of address ( bank statement and cable bill ), then they requested more because I work for myself. They requested that I send in 3 months of BUSINESS bank statements. This loan through them was under my personal social security number and was to be a personal call not a business car. I called them and told them that I did not feel comfortable sending in bank statements from my business nor would our board allow that to happen, so instead I was asked to send in my W2 which I did. The next day I got a email saying they are still requesting 3 months of business bank statements. At this point I have asked for my application to be removed from the system. It 's not okay to ask for someone to send in business banking statements that have nothing to do with the loan at hand
To Whom It May Concern : My credit report has address I discovered that are not mine on it and it contained some errors pertaining to the following my individual personal information. I am demanding that you promptly update and delete addresses that I never resided and may possibly be relatives address. These please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. 

My name is : XXXX XXXX XXXX, File Number XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX OH My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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, OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct. 
There is account I do not recognize from a XXXX XXXX XXXX # XXXX this is a error please delete!
I contacted Equifax on the XX/XX/XXXX.. in reference to a open collections for leasing management company and for a public record for the same account. I placed a dispute asking for verification of debt..validation of debt as well a list of charges. I also stated that the amount are inaccurate, and how could the public record amount for {$1500.00} in which I was court ordered to pay. The collection account balance over exceeds the amount ( {$4700.00} ) from the same original creditor. The results of my disputes are listed as verified and still remains on my credit file. 
I also requested from the creditor a validation of debt I have never received anything in writing from the collection agency.
On  XXXX   XXXX ,  XXXX , a federal tax lien in the amount of {$16000.00} was filed at the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The lien was satisfied and then released on  XXXX   XXXX ,  XXXX . The lien was later withdrawn on  XXXX   XXXX ,  XXXX .     Equifax is still showing this lien on my credit report. On  XXXX   XXXX ,  XXXX , I filed a dispute at Equifax and sent them both the Certificate of Release o f Federal Tax Lien AN D the Withdrawal of Filed Notice of  Federal Tax Lien after R elease from the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I was told that this information was provided and verified to be accurate by a third party -  XXXX . No change was made to my credit report.     I contacted  XXXX  and provided them with the same court documentation showing that the lien has been released and has also been withdrawn.  XXXX  filed a dispute with Equifax on my behalf ; however, once again I received a results letter stating the lien was accurate as reported.
I would like Chapter XXXX bankruptcy judgement removed on Transunion credit report and XXXX credit report.It has been passed seven years.Thank you.
Informed Citibank that the amount owed on a mortgage second that I did not owe the money stated I owed. Spoke with my mortgage company XXXX last month and informed me Citi had written off my second mortgage per my credit report. Received a letter again from after loan was written off as a bad debit by Citi per my XXXX XXXX. Citi is not using abusive collection practices sharing my information with other collection agencies and I am getting letters of collection for this debit that was written off per my XXXX XXXX. This is unfair collection practice and trickery me and ruining my credit. I have no idea what is going on with my social security number. Citi is sharing my personal information without my permission and trying to defraud me.
I contacted Equifax on XX/XX/2017 @ XXXX pm mst, to let them know I had some fraudulent inquiries on my report. The rep refused to investigate and told me Ihad to  contact each agency myself. I told her it was fraud and she refused. It is my right to have inaccurate information removed. Equifax is reporting incorrectly so it is not my job to contact each creditor, it is Equifax since the are the ones with agreements with these companies.
After reviewing your letter and several disconnect which you have presented in your last letter. I have demanded for facts and you have instead relied on hearsay without evidence. The account is # XXXX and the unverified amount you are demanding is {$320.00}. 

First, I have no contract with XXXX and no agreement has ever existed. XXXX has never presented any agreement or claimed any contract exist. Please be advised this is my Third Written request and warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and section XXXX regarding your continued willful and negligent noncompliance. Despite two written request, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. As at today, XX/XX/2018, nothing shows on my credit this debt is disputed which is a clear violation of the 30days period. Furthermore you have failed to provide the method of verification as required under section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not be verified. The law is very clear as to the XXXX liability and the remedy available to me ( section XXXX & XXXX XXXX if you fail to comply with XXXX XXXX. I hereby request for the details and the information of the person in your company to send the law suit to resolve this issue in court. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

I repeat and request you to provide me the address of the person to send the law suit to be in court.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX and XXXX XXXX
I have a closed account on my credit report for XXXX/XXXX  account number XXXX. They show the date this account was opened to be XX/XX/XXXX. They sold this debt to XXXX XXXX account number XXXX and they are reporting the date this account was opened as XX/XX/XXXX. Both XXXX XXXX/XXXX  and XXXX XXXX are reporting on my file as a duplicate account and reporting inaccurate dates the account was opened. I disputed this with Experian and they told me that the information is correct and that XXXX XXXX certified it had provided correct information. Experian will no longer let me dispute this information and I have the proof to show that XXXX XXXX/XXXX  and XXXX XXXX are both reporting on my personal credit file and both listing two different dates that the account was opened. This is in violation of my FCRA rights. I am informing the CFPB because Experian will Not fix the innacuracies in which they are required to do so by federal law.
I am attached a long pdf in an attempt to explain the list of events by a collection agency trying to collect a debt for an apartment complex I rented from last year. 

They claim I had over $ 2k in damages. They kept around {$900.00} in deposits and refuse to apply all of my security deposits to the damages. In addition, there were terms for a walk through that were denied to me. It is in the lease and final move out docs. In addition, they are charging me for carpet that looks great but they say the backing is stained. What? The backing? the carpet was n't even new when I moved in. 

At any rate, they are keeping around {$900.00} in deposits, charging me {$1100.00} and now adding on around another thousand for legal fees ... all because I keep disputing and trying to make them get the fees correct. 

They have handled my situation so poorly and has now gone from a {$1100.00} debt ( damages that I have not seem proof of as I left that apartment is good condition ) up to {$2200.00}. They are adding on all kinds of legal fees as I try to deal with them and they continue to dismiss my concerns. 

I do not believe that these legal fees were necessary. I did not pay the debt originally because they would not apply my full security deposit to damages. I did not pay the original debt because they had me sign a blank for and put in damages later. Damages that I do not think were there ( under the carpet that I could not see ). Over charge on paint. Improper service of summons. 

They have put me off and not wanted to deal with my ( seemingly legitimate ) concerns that I am not being charged correctly. Now they want to add on all these attorney fees. Now I am in a position of fear : pay the debt I do not owe or have to pay an attorney to go to court on my behalf for a lawsuit. That seems wrong when the apartment complex has errors in their bill. Why should I have to pay for attorney fees when they will not address my concerns? 

They are using a fear tactic. Lawsuit for {$1100.00}. They know that a defense attorney would cost more than me just paying the wrong debt. That seems illegal to me. Yes? No?
I filed a previous complaint and still have not received the requested information although complaint was closed without requested documentation. Please advise XXXX previous complaint
On  XXXX / XXXX /17 I have tried to send a dispute letter to NCAC to the address which was on my credit profile which is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    TX. XXXX  for the amount of {$4300.00}. I have received the letter back stating undeliverable. They are reporting inaccurate and false information about me to the credit bureaus. I can send proof
XX/XX/XXXX, I applied for a loan modification, just wanted to reduce interest only with XXXX. I was lured to miss a few payments in order to qualify for MOD by XXXX representative ( XXXX ) Unfortunately, I was wrongfully denies for MOD.XX/XX/XXXX. Then I had litigation with XXXX and other defendants. My loan was lost ( broken chain of title ), presumably at XXXX XXXX. Even, I presented all evidences at XXXX County Superior court, the judge XXXX XXXX refused to accept the facts. I think he should move in to live with the bank because he made his ruling so much favor to the bank. XXXX! I am woundering why should the court system even exists from the first place. Then, I already submitted my loan modification again ( I have to starte all over again ) through XXXX XXXX XXXX on XX/XX/XXXX. Now, Nationstar Mortgage , LLC served me a " Trustee sale '' dated XX/XX/XXXX again. This is another violation of XXXX. I would like to let the world know my XXXX suffering and enduring for a very long time.Thank you..