WillisBack/dataset-financial-user-claim huggingface dataset:
A few months ago, I contacted Capital One VISA to dispute several charges from a company, XXXX XXXX or XXXX, who over a 10 month period charged me approx. {$2000.00}. It started from an internet 'trial ' offer of {$3.00} to try eye serum and {$4.00} 'trial ' offer for face cream. Once it arrived, I discovered the pump on the XXXX ( XXXX ) XXXX bottle was defective and required removing the lid and scooping the goo out with a finger. The face cream was greasy and did not absorb well. I decided to phone the company to discontinue the products only to find the number XXXX to be disconnected. From that point, I returned all future unopened deliveries and labeled " Cancelled '' on each one, assuming I would be credited. It was n't until months later when I noticed the various, suspicious product names on the XXXX statements that seemed to rotate each month. These product names were XXXX ', XXXX ', XXXX , XXXX '. I never ordered additional products other than the XXXX trial offers that totaled less than {$10.00}. The first person at Capital One VISA customer service I spoke to in attempting to rectify the problem was employee # XXXX. She listened politely to my dilema and explained that Capital One would send a dispute letter to the merchant while temporarily reversing all the charges. If the merchant did not respond, the credits would hold and If Capital One VISA believed these charges to be fraudulent, all charges would remain dismissed as well. The maximum credit period was normally 90-120 days but could cover the entire 10 month period if fraud was evident. At that moment, it felt great that justice would be done in hopes that potentially thousands of other trusting consumers would not be duped as I was. My optimism was short lived as I received a letter XXXX/XXXX/16 from Capital One stating they were reapplying all the charges and if I still wanted to dispute these charges, I was to contact the merchant directly. I then contacted XXXX XXXX, also doing business as XXXX ' and XXXX XXXX ', etc. and spoke to XXXX. 
She explained they would only give me a 30 day credit until I told her I would file a complaint with Consumer Protection. She placed me on hold then returned to offer a 90 day credit. When I asked her why the change, she replied it was due to my threat to report the company to the Consumer Protection Agency. ( Frankly, I was a little surprised she would admit it. ) She e-mailed me confirmation to that agreement but did not send it to Capital One. Therefore, I did not receive the credits. All in all, I have spent over 20 hours and have spoken to 17 Customer Service people ( on the phone ) with Capital One VISA attempting to correct this cluster. The customer service supervisors were the least helpful, especially XXXX and XXXX who shared the phrase " Capital One has done everything they can ''. Really?.... and I pay 17.9 % for protection? Hopefully, your agency can be of assistance. Thank you.
was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from speedy cash or XXXX
I have also filed a complaint with the XXXX Attorney Generals Office about this collection account. On XXXX/XXXX/2015 I received a collection notice from Allied International Collection Corp which cited XXXX as the original creditor claiming that I owed {$410.00}. I have never had an account with XXXX which is why I know the account is not mine. 
The debt collection agency provided no supporting documentation, no explanation of why they believe the account is mine, no explanation as to what the balance their claiming was for or how it was derived, plus I fail to understand how anyone could possibly owed {$410.00} to XXXX given a XXXX search said they were an online auction company, so I would assume if you ever did purchase anything at an auction payment would be due at the time of sale. 
This is either mistaken identity, fraud or illegal collection activities, but I know for certain that I do n't owed {$410.00} to XXXX, it 's just not possible.
I have be working on a modification sinceXX/XX/XXXX. The property is worth on {$20.00} XXXX per boo Ocwen had done. 
I had been waiting then was told after that boo came back low in the XXXX month that I had to be writhin XXXX  month late on payments for a principal reduction. Then was told I had no income when I am self employed. Then now I am back in modification which I do appreciate XXXX Help but their is some suspicious activity. I have untilXX/XX/XXXX to submit my docs and XXXX survivors block my email address that I have proof to avoid my lease and docs request onXX/XX/XXXX. I still do n't know if they have my completed package. I also ask for a workout deal. Ocwen reps said no. Then I got a call onXX/XX/XXXX from some lady that XXXX told them to call me to ask for which address to send public records to when Ocwen new I was in a active modification and had tilXX/XX/XXXX to send in additional docs. I feel XXXX is trying to not help me save my property. ALSO OCWEN IS HARASSING ME NOW. HAD SOMEONE DROP OF COURT DOCS XX/XX/XXXX WHEN THEY KNOW I AM TRYING TO SAVE MY PROPERTY AT XXXX XXXX XXXX XXXX and refuse to give me a reduction in princip when they know the property is not worth {$70000.00}. All the units in the building two were sold for {$12000.00} and that is recorded.
I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017
once again XXXX has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that XXXX the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX  because of what happened I have not gotten a bill from XXXX bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the XXXX department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from XXXX bank said there was no other accounts under the XXXX store that she thought maybe they went to the XXXXXXXX department at the bank .there foe she told them and I that there was no way of tracking it down. 
then today XXXX/XXXX/XXXX I get this from protfolo recovery associates llc. XXXX bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX
I sent money to the escrow account that was not applied to it and as a consequence of that my mortgage payment increased. The check clearly indicated that such should of been applied to my escrow account. The servicer in question is Plaza Home Mortgage. I am sending you a copy of the cancelled checks and print out of payment/escrow history. As you can see such payments were not applied.
I was a victim of identity theft from the time I was XXXX years old. I learned about the identity theft in XXXX of 2009. I filed a police report and identity theft claim at that time. The items ( tax liens and XXXX XXXX account ) were removed from my XXXX XXXX and XXXX reports. XXXX still lists these accounts that are not mine. I have attempted to remove them via XXXX County Recorder however, they can not access these tax liens because my social security number is associated with the persons name that stole my identity many years ago. This is the same issue with the XXXX XXXX account.
I had hired a law firm to assist me with a loan modification.XXXX XXXX XXXX is very much aware that I am a XXXX XXXX as previously established in court.I was at in residence and left XX/XX/XXXX returning to my travel assignment.I returned to Fl on XX/XX/XXXX.Plane tickets are the proof to find the house broken in, garage door damagedl, door frame broken out.Locks changed.I had to call my attorney to figure out how to get into the house.XXXX XXXX XXXX   retained Altisource who in turn entered the premise under the false pretense the house is abandoned. The electric is on, the mail is being picked up.Salt is being added to the water softener.Altisource has refused to pay for the damages.It went so far their attorneys will not acknowledge the break in.My neighbor and I have filed a report with the XXXX XXXX County Sheriff s Department and the officier I have spoken to stated he would drive to the XXXX XXXX XXXX XXXX Office for his investigation.My other neighbor overheard how Altisource had planned on putting watch dogs in the house.This is customer abuse and harassment.I am requesting financial reimburement for the damages.I had the garage door serviced.Now it will not work.It is impact resistant.The door from the garage to the house is completely destroyed.The lock and door frame are broken out.They left the AC running with the door left open.Found refrigerator and freezer door wide open.I knew something was wrong because of the electric bill.
I was charged  XXXX  overdraft fees becau se US bank de ducts the largest check first, as a policy described by the banker I complained to. If they had deducted the smaller check first, it would have cleared, leaving me with only  XXXX  overdraft fee. The banker stated they ALWAYS deduct the larger check first, obviously to generate more fees. I asked to start an overdraft protection account with them and they denied me. Those of us who incur an occasional overdraft are people without a lot of money and yet they squeeze us the most. This happened approximately 1 month ago.
I opened 4 accounts for my children ( XXXX ) with XXXX XXXX which sold to Wachovia which then sold to Wellsfargo. Somewhere along the way, Wellsfargo lost the account. I have requested information over and over again and Wellsfargo can not find this one account. They have located 3 of the 4 accounts. I went to the branch in XXXX XXXX and was told the information was not in their records. How can a bank lost an account. It 's not about the money ( A little over {$200.00} ). It  's about principle and trust. I was told to go and see if I could find the account, then they would be able to assist. This is terrible. The account was last access in XXXX 2006 while I was in XXXX XXXX, South Carolina when my son was in boot camp
I was laid off from my job on XXXX XXXX. XXXX. I sent a complete workout package to Chase Mortgage and received the incorrect workout option based on Huds guidelines. I have an FHA loan. According to the HUD guide page 613, if one or more borrowers is unemployed then the borrower should be considered for the unemployment forbearance. My husband is employed but since my loss of income, we are not able to pay the mortgage Our gross income is XXXX and net income is XXXX. Our monthly expenses is {$7800.00}. Since there 's been a verifiable loss of income then, we should be receiving a Special Forbearance. This option was not offered simply because my husband works but 2 incomes are needed to sustain the payment.
At XXXX XXXX - I spoke with XXXX XXXX who is telling me that I must submit a Postponement tomorrow morning with a gift letter and bank statement. Even though I am willing to pay off their alleged loan, I was told regardless of my efforts to pay off tomorrow that they may go forward with the sale which is a bunch of bull. I have confirmed in the first place the XXXX XXXX XXXX credits were accessed through my assigned US Treasury Direct Acct. For these people to tell me that it may be too late for a postponement as they place to illegally seize my home tomorrow. I do not owe these people. XXXX asked me to provide my personal bank statements and this can not happen. I was a victim of Identity Theft - XXXX Employee in XX/XX/XXXX. I am willing to payoff the amount issuing my acct. # and routing # and XXXX is refusing. 2nd Item - I want to report Bankruptcy antics in courtroom XXXX - XXXX XXXX - It appears XXXX XXXX attorney went to XXXX XXXX 's courtroom on XX/XX/XXXX to get a Lift of Stay against the Registered Entity - regardless of fact # 1 I revoked any and all power of attorney as the Live - woman back on the land. Note : this BK case has been closed for over 3 yrs - all debt for the Registered Entity discharged as UNSEURED DEBT. I realized that going to the BK court was a error. The XXXX XXXX XXXX was paid off as shown by XXXX XXXX. I was never served any notice of this XX/XX/XXXX hearing and Wells Fargo had my address - So I had no way to put on record illegal seizure of home or fact it is not a loan but copy right business processes. The Will Be Debt Opinion letter is FRAUD - as there is no loan. Please refer to the XXXX XXXX Security Agreement - very important to see the complicated undisclosed real transaction of sneaky licensing agreement of our identity. XXXX XXXX assists with these crimes TAX SHELTERS in my name -- -- hoping that I will not catch on to there scheme. These behaviors need to stop - the people harmed have lives too and we were not placed on this earth to serve for the legal profession pleasure and benefit as reflected in the XXXX, XXXX, XXXX XXXX. These people seem to forget that it was I who authorized the initial credits and I can at any time terminate their fake POA status with their fake loan #. I am in process of getting the lien released at Federal Level.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account  thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX    et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
I have a letter from XXXX that a fraudulent account that was opened in my name was investigated and was completed with the results being they determined that the account must be deleted which is right .... the account was never opened by me ... I sent all documentation proving that and they completed it and ruled in my favor .... I sent the supporting documentation to XXXX for them to delete the account and instead they removed like {$270.00} and updated the account ... the account was not supposed to be updated it was supposed to be deleted ... and Im hereby asking them to comply, if XXXX went back on this letter thats their issue not mines it must be deleted thats the resolution we came to ....
I disputed this debt sometime ago with this same collection agency. They could n't provide validation and this account was removed from my credit report. I paid the original creditor in full and do n't owe them a penny. After this debt was removed this was placed back on my credit today with no notification no letters no contact after removal. I do n't like there dirty collection tactics, I cant not be forced to pay I debt I do not owe I do n't not have a contract or account with this company and I need this account removed again and never put back unless they can provide me a contract with them.
The company applied a large interest charge to my account and since that charge has been charging interest on top of the charge. I have tried three times to resolve this issue. Each time I have spoken with the company, they have sent me letters and said they have provided documentation that I agreed to the terms. They have not sent any documentation. I wish to settle this charge with penalties to me as they do not have any documentation that I agreed to the terms and are being dishonest. The last call I had with the client the woman boldly lied to me and said she was looking at the agreement I signed. I never signed an agreement, she then said she would send it, they sent nothing but letters that said there were enclosures and there were not. I called back multiple times and no one will call me back.
on XX/XX/2018, my checking account was in credit by {$880.00}. On the same day 3 debit transactions were posted to my account in the value of {$90.00}, {$0.00} and {$1700.00}. 
The bank charged me 3 overdraft fees of {$37.00} for each transaction even though there was sufficient funds to pay for the first 2 transactions amounting to {$90.00}. 
I was therefore charged a total of {$110.00} for overdraft fees in one day. 
I spoke to the Branch Manager and complained about these charges but the Bank refuses to reverse 2 of the 3 overdraft fees. I also sent emails complaining that these overdraft fees were unreasonable charges and that I would accept an overdraft fee of {$37.00}.
I filed an dispute with XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-2017. Advised, XXXX XXXX XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised XXXX XXXX XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX XXXX XXXX.
There was a fraudulent inquiry done with XXXX Credit Card Services on XX/XX/2018.  XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with XXXX and Experian as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.
I received a notice of collection from a XXXX XXXX, and called to agency to dispute the validity of the debt. I advised the agency of the inaccurate information they were attempting to collect on. I advised the agency the information obtained from the creditor XXXX was invalid and to not report on my credit file until they could prove validity and accuracy of the information being collected. The debt collection agency never proved validity of the account to me either on the call nor in writing. XXXX XXXX has began to report and attempt to collect on an account that was verbally disputed. I contacted the creditor and was advised the agency - Convergent should not have reported anything to the credit bureaus due to arraignments set with XXXX. This agency is participating in unethical and unprofessional debt collection practices and is in violation of the FCRA.
I just reinstated my mortgage loan to prevent foreclosure and save my home and now my lender has nearly XXXX my monthly payment for no reason
I received a letter on XXXX XXXX, 2015 from Jefferson Capital dated XXXX XXXX, 2015 ( attached ). 

On XXXX XXXX, 2015 I mailed a certified letter ( attached ) via USPS certified mail ( attached- received XXXX XXXX, 2015 ) disputing the validity of this debt and requesting validation as I do not agree I owe this debt. My requests are very clear and very legal. 

Jefferson has failed to provide me ANY documentation like requested in my certified letter ( which we have proof they received within the 30-day notice ) yet have tarnished my credit by falsely reporting this information to the credit bureaus. 

Because they have violated by rights by improper reporting/ defamation and disregard to my right of validation and dispute, I am requesting immediate removal of this item from my credit reports.
XXXX XXXX XXXX 5 accounts are reporting inaccurately.

The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX  and was paid, closed, never late.

XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.
There is a {$500.00} charge on the card for a money transfer service I purchased from a third party that never happened but they debited my account. Wanted start a dispute. Money Network agreed but they said they had to send me a form to sign first. Never received such a form.
 XXXX 
Also contacted them by sending them a letter, still no response.
 XXXX 
I have no idea what their intentions are.