WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But Capitol One sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.
A XXXX refrigerator was ordered from XXXX on XXXX/XXXX/2015 with the assistance of a Sears representative. The refrigerator was delivered on XXXX/XXXX/2015 and placed in service by the Sears delivery team. The refrigerator is unable to maintain the temperature that is required to prevent spoilage of foods and I have had to discard several food items because of this deficiency. I have requested XXXX to remove the refrigerator from my home but Sears has refused despite the fact that the refrigerator has a one year XXXX Appliance Warranty on it.
UNABLE TO CONTACT EXPERIAN THERE NO PHONE NUMBERAFTER VIEWING MY REPORT I HAVE SOME QUESTIONS I WANT ANSWEREDIF THEY CAN PUT IT IN MY REPORT THEY NEED TO BACK IT UP, IF THEY CAI N'T THEY ARE HURTING MY CREDIT
My student loan debt is $ XXXX, dating back to XXXX of 2006 when I graduated. I have paid for 11 years almost $ 20k ( {$1800.00} per year ) in payments and virtually none of these payments have been applied to principle. I am simply paying Navient interest and getting nowhere. I have the option to change my plan, but I feel that I have been wronged because I have made no progress in 11 years. I was never explained how it worked and feel that because I was a young student I was taken advantage of. I have a family to provide for, which requires all of my income now. I recently lost a second job ( XXXX XXXX ) and this has impacted my ability to continue to pay these loans, although I have never missed a payment. I would like help in getting these balances forgiven.
Report No. XXXXREPORT DATEXX/XX/2015DISPUTE OPEN DATEXX/XX/2015COMPLETION DATEXX/XX/XXXX1. The above mentioned report does not mention the results/corrections performed to the report as a result of the inquiry. 
2. It does not mention the steps taken to do so either.
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX  credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Chase XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/XXXX, we sent an authorization to Chase in order to begin the process of a short sale. Both borrowers were XXXX, however there is a Successor Trustee, XXXX XXXX XXXX, named on title and duly recorded. XXXX XXXX signed the authorization for us to speak on the account, and we submitted the authorization, the Recorded Affidavit of XXXX of Trustee ( borrower XXXX XXXX ), and a copy of the XXXX Certificate for XXXX XXXX. ( ( Prior to all of this, XXXX called Chase to see what their options were regarding this property and was told that she may surrender the property to Chase. Chase sent her surrender documents and told her to take them to the county to record it. She did not do that, as she felt there was a more appropriate way to handle the disposition of the property. -- - This shows that Chase did acknowledge XXXX XXXX as the authorized third party otherwise how could they give her the ability to legally surrender the property? ) ) On XX/XX/XXXX, we contacted Chase and were told that XXXX XXXX was not authorized on the account and therefore could not authorize us. ( Chase claims someone else is authorized - the other daughter ) I pointed out that we faxed, along with the authorization, the Affidavit of XXXX naming her ( XXXX ) as Successor Trustee, and the Affidavit of XXXX of Trustee ( Borrower XXXX XXXX ). The rep acknowledged receipt of those documents however still refused to discuss anything with me, or transfer me to a supervisor to discuss it further. Chase has taken it upon themselves to authorize someone else on this account, who is NOT the Successor Trustee, and therefore has no legal authority to speak on the file.
Additionally, Chase has taken it upon themselves to DENY the Successor Trustee the authority to speak on the account, or to liquidate it as she sees fit. *****CHASE DOES NOT GET TO DETERMINE WHO DOES OR DOES NOT HAVE LEGAL AUTHORITY TO SPEAK ON AN ACCOUNT****** Chase CAN NOT have it both ways. Either she ( XXXX ) is authorized and is allowed to receive and record a surrender, or she is not and they violated the law by sending her the surrender document. Chase does not get to decide who the trustee is AND THEY CERTAINLY SHOULD NOT BE TAKING DIRECTION FROM SOMEONE THAT HAS NO LEGAL AUTHORITY TO SPEAK ON THE ACCOUNT. We have attached a copy of the title report, the XXXX borrowers Trust Docs naming XXXX XXXX XXXX as Successor Trustee, the recorded Affidavit of XXXX of Trustee naming XXXX XXXX XXXX as Successor Trustee, the document from the Federal Government ( IRS ) issuing an EIN number and naming XXXX XXXX XXXX as the trustee, and the XXXX Certificates for both borrowers.
I applied for an American Express card in XX/XX/XXXX in order to do a balance transfer with 0 % interest as stated in the offer. I first contacted American Express in XXXX after the account opened to initiate transfer and customer service said that I had to initiate online ; however, the site would not let me login with the account number I was given ; I could not even see my account. I then contacted them again. I continued several times to set up the balance transfer and was told to login and that it was a system error and initiate transfer, now ... XXXX mos later they are telling me that I only had 1 month to get it done. I would never have opened an additional line of credit had I known I would not be able to get the service offered 0 % transfer thru XX/XX/XXXX. No where in the offer or application said that I had one month to do the transfer either. Every time I call they say that there are notes in their computer to activate transfer option, but it was never activated for me to utilize and now they tell me to open another line of credit to get the offer. This company did not abide by their offer and have been very misleading.
The collection agency has filed a collection under my name with the original collections as XXXX XXXX ( an account from XXXX ) for {$460.00} as of XX/XX/XXXX. In XXXX, I filed a police report stating identity theft for this specific account. I filed the claim with the credit bureaus in XXXX. In XXXX, I disputed, the bureaus and police investigated and the collection account was motioned as a FRAUDULENT CHARGE as a product of my identity being stolen. The collection account was removed from my credit report. I have already filed a dispute with the credit bureaus, filed another police report, received the first police report, and filed complaints to the attorney general, FTC, and CFPB for this collection against XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they had issue finding the an account as I suspect and did not resolve any of my concerns.
This debt started and ended in XX/XX/XXXX. I had an employer stop payment on my paycheck and then the bank started accruing overdraft fees. I never even attempted to pay it, because the debt was going so high and out of reach. LVNV tried to put my last transaction date as XX/XX/XXXX ( never happened XXXX so I filed a complaint about them and they responded by saying they would remove themselves from my credit report. Now this Company " XXXX '' is trying to collect an 8 year old debt that started out as a fraction of the actual amount. I would like them to provide me with proof I have had anything to do with this account in the last almost 8 years.
I have called several times regarding error messages accessing my report online. The only response from " customer service '' is to try an sell me one of their products. Will not send me a report via phone call and can not access via XXXX
My primary mortgage has a foreclosure sale date, I am trying to do a short sale but Washington Federal will not work with my Realtor/agent. They refuse to even give a fax number for her to work with them on the short sale.
On Friday XXXX XXXX I contacted Synchrony Bank, the issuer of my Walmart Mastercard, to inquire as to the status of a check I had sent over a week earlier as payment which still had not posted. The agent, XXXX, gave me a run around, first telling me the check never arrived, so when I stated I will have to do a stop payment, he told me no, the check has arrived but has not been processed. I then asked to speak to a supervisor, he refused. I had to ask XXXX times in total before the agent would transfer me. While on hold for a supervisor, I received an email security alert from Walmart that someone had just used my account number and social to acquire my online user ID ( email address ). When I finally reached a " supervisor '' she stated that he did that to verify my information, problem is the page to do this explicitly states only the card holder may fill this form out. I believe the agent XXXX is attempting to steal my identity or use my email address in nefarious ways and want this issue addressed.
Hi. I have a few unresolved issues with Chase that customer service has not been able to address. <P/>1. I referred 3 family members who ended up getting the Chase XXXX XXXX credit cards but I did not get the referral rewards for them. <P/>2. I have a XXXX card offered by Chase. Recently chase sent me a letter saying this card would be converted to a Chase XXXX preferred card. I already have the XXXX XXXX card and have no need for the preferred. I 'd also be going from a no-annual fee card to one with an annual fee and finally, I did not get my signup rewards for the XXXX card. <P/>3. I have submitted an application for my JP Morgan XXXX card but have not yet received a response ... either approval or denial.
I am engaging the CFPB to report that Greensky, XXXX XXXX XXXX, XXXX Ga XXXX is facilitating lines of credit to XXXX dba XXXX in XXXX XXXX, OK. In XX/XX/2018, I secured financing via Greensky for the installation of a new driveway. Unfortunately, the quality of work was not satisfactory. I financed {$12000.00}. 
I filed a dispute with Greensky on XX/XX/2018. The representative disclosed that they would be limited on the request for quality of work. However, XXXX at XXXX dba XXXX did have an individual complete some additional work. Unfortunately, this was not to standard as of to date the drive is chipping and the series of other problems can not be resolved unless the drive is torn up and new concrete is poured an properly finished. 
Greensky did follow up on XX/XX/18. However, there has been no additional efforts by XXXX for resolution. I am asking Greensky to evaluate their support to extend credit to a business who is taking advantage of individuals with sub-par work.
I was applied and approved for a Capital One Platinum MasterCard. I received the card in the mail to my residence of over 21 years. When I called Capital One to activate my new card, I was informed that my account was flagged for possible fraud. I was transferred to a fraud specialist who told me I needed to send them a copy of Drivers License and provided me with an email to attach the copy. He assured me that someone would call me within 5 business days after the receive my documents. After about a week, I called to follow up and was told that I needed be patient as the account was still under review. I waited an additional 2 weeks to call again. This time I was told that they needed a copy of my ID ( front and back ) and I had to submit a new copy to them. I reviewed the original email they sent and it did not specify front and back copy of my id was needed. The rep I spoke to agreed that it was n't on the email and he apologized. I went ahead and sent them a new copy of my Driver 's License front and back this time along with a copy of my passport. Again I was assured that someone would call me back in about 3 to 5 business days. After about a week I called in and of course I was told that my account was still under review and to give it a few more days. I gave it another week and this time when I called in, I was placed on hold after I explained my situation to the rep XXXX who said he was in Florida. It was then that I was told that in addition to my drivers license copy, they also needed proof of residency and that I needed to send them a copy of a utility bill. I informed XXXX that I was never asked to send in proof of residency and that the email they sent me only requested a copy of my Driver 's license and the new email was n't very clear as to them needing a front and back copy. I even took it one step further and provided a copy of my passport. It seems that no matter what I do to, it will not be enough as every time I send in what is asked of me, Capitol One will change the requirement, miss-inform me and delay the activation of my account. XXXX claim to be a supervisor and would not transfer me to anyone else who could resolve my issue. 

I see several complaints from other consumers in the last 5 years over the same issue. Iam going t talk to my attorney to see about filing a class action lawsuit against capitol one. 

I am also going to file a complaint with who ever is in charge of regulating the credit card/banking industry. This is very frustrating and has to be resolved.
I do not agree that the amount i applied for plus interest is the same amount that Navient had when I revieved my first statement. Im off in my calculations and they refuse to explore or admit that I was charged too much. Horrible customer service, I am exploring consolidation through education department and picking another lender.
There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$10000.00} ( XXXX, XXXX TransUnion ) XXXX XXXX XXXX XXXX - Balance {$13000.00} ( XXXX ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( XXXX ) XXXX - {$7300.00} ( TransUnion and XXXX ) XXXX XXXX - {$3500.00} ( XXXX )
I was called by a company called " ARA ''. Their representative left a voice message on my cell phone and also called my wife 's cell phone from XXXX XXXX. I do not owe this company any money and this appears to be a scam, so I reporting this information for the CFPB to take action. I do not have any debt issues and have perfect credit and payment histories on all my current accounts.
I sent XXXX a formal notice to cease a unauthorized hard inquiries into my credit report and, a formal demand that they immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have a illegal inquiries removed. I also made the aware that I did not sign any documents authorizing their organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b (  c ) : Transactions Not Initiated by Consumer. 

However, I ask them to forward documents that they believe authorizes XXXX to make inquires into my credit report, I respectfully request a copy of this documents be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests within 15 business days. Also I will forward a copy of this letter to the Creditor Bureau 's.
I have had XXXX public records removed from both my XXXX report and also my XXXX credit report. I reported this to the Equifax company and they refuse to remove the XXXX public records as to follow suit with the other XXXX company 's that removed it do it being taken care of. Please help get it removed so that they all, show the same.
XXXX XXXX consistently calling repeatedly threatening me at my home and My Job. Attempting to collecting a debt with no specific info but he specifically says hes going file detained order to lock me up and freeze my bank account. He is ruthless aggressively threatening and extremely intimidating me daily calling at least 8 times a day!!!!!! Harassment at my Job and Harrasing my Husband!
Credit bureaus reported I had a zero balance on my  XXXX   XXXX   XXXX   XXXX  charged off checking account as of XX/XX/XXXX , after I paid the account in full. After  XX/XX/XXXX  the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost  XXXX  times severely hurting my  credit score  and ability to access credit. I disputed the  XXXX   XXXX   XXXX   XXXX  late payments in  XXXX  when I discovered the error. The credit bureaus completed the dispute in  XXXX  without making the corrections and removing the false late payments from my credit report.
LANIER COLLECTION AG {$64.00}, {$380.00} & {$130.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... No contracts existaccounts were settled with original creditor, insurance provider has confirmed, and ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I just had a recent call from XXXX XXXX reps supervisor to call and tell me the samething her rep XXXX told me that when I reported my atm card lost and reported nothing was done in getting the finger pointed back at me telling me bank of America does not care both these women are unprofessional and rude I tried to explain to XXXX that I had tried to report this and nothing was done this is very frustrating that no one from this company takes anything serious I never owned an XXXX and im tired of being called a liar I want a manager to give me a call I 'm going to file more complaints with bbb, and the state of ga bank of America is not doing there job all they want to is call you and blame you and not resolve anything and I will not by no one from this company call me a liar when I reported my XXXX card lost and charges I did not make and I will not tolerate anyone telling me I 'm wrong is when none of this was handled right I do have evidence of me not owning a XXXX and I have other evidence to show what bank of America has n't done to resolve this but instead call me with excuses I want someone in hiring authority to contact me not XXXX nor XXXX, I called about a concern to report a problem and I 'm also going to the branch manager if I have to to get her to contact corp about this, I 'm tired of this and very angry that bank of America only cares about laying the blame on me instead of listening and pointing the finger please have a manager contact me asap thank you, I have never been treated with the disrespect and how someone calls you a liar unacceptable to me
I paid my mortgage and I had over drawn my account but was advised that I had until XX/XX/2018 to bring the account current. And I had 30 days and I have been in communication with them about the money that was paid I owed XXXX I paid money on the balance. I closed my son account due to them going into his account and taking the money out. I need someone to look into this company navy federal credit union to get my money back into my son account.
XX/XX/XXXX I logged into my care credit card account to make sure my available credit was still where it was as I have upcoming dental work and I noticed my care credit limit was decreased from {$6000.00} to {$500.00}. I called into synchrony bank, care credit to get my limit corrected and they refused. So I closed my account. I am incredibly angry and upset that they refused to correct their mistake. Horrible customer service!!
I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of Experian, XXXX and XXXX
In assuming a VA mortgage with Fifth Third Bank, they allowed the escrow company to send financial statements including, Name, DOB, SS #, Credit Card information andmortgage information in an unsecured and unencrypted email to the seller. This wasfor both my wife and myself. 
Escrow Company:XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXX Closer : XXXX XXXX XXXX ( XXXX ) XXXX Ext. XXXX
XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX pm central time on XX/XX/2019.