WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One us involved in a dispute with my employer. As a result, as of XX/XX/XXXX, they have been retaliating against employees such as myself, by preventing us from accessing the bank 's website for any purpose whatsoever -- including online banking. The computer which my employer issues me is my primary device and it is permanently connected to my office network, which means that constructively, I am perpetually blocked from accessing online banking. 

Capital One is blocking users such as myself from accessing online banking for wholly inappropriate, completely unrelated reasons unrelated to my activity as a customer. Furthermore, because their mobile application is not functionally equal to their online banking portal, they have given me no equivalent recourse. 

Through my employer, I have raised this issue directly with senior management at Capital One ( VP Enterprise Digital Products, and Sr Digital Product Management ), and my employer has specifically guaranteed that only employee-customer traffic will be sent to their office. Nowhere in Capital One 's online banking agreement is this condition imposed in order for me, a private customer, to access my account. However, Capital One has not accepted these terms and continues to block employees such as myself, who are also customers.
This company is reporting an erroneous " paid '' collection account on my credit reports. This not mine. When I disputed the account through the credit bureaus it came back " verified ''. I then sent this company a letter on XXXX XXXX ( please see attached ) and they ignored it, yet they are still reporting the collection to the credit bureaus.
On XX/XX/2015 a balance of {$0.00} from XXXX XXXX Bank appeared on my XXXX  and Equifax credit report. I am challenging XXXX and Equifax to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false or erroneous reporting.This section of the ( FCRA ) places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the ordinal creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
The company National Credit Adjusters has repeatedly contacted me despite requests not to do so, from a number that is masked on caller ID as a different number, claiming I owe a debt that they can not/will not verify in an official notice. I have received unofficial email notices claiming I owe a debt around XXXX dollars or XXXX dollars, representatives on the phone say I owe north of XXXX dollars. The debt amount changes with every different contact, and they still have not sent a notice to me to date despite me asking. This company operates in a way that I am convinced this is either a scam or the most unprofessional agency I have ever dealt with. I would like someone to help me straighten this issue out because the company and I can not seem to hash anything out at all, and they have threatened legal action despite not providing any paperwork that I even owe anything.
Im not sure of dates but one was from XX/XX/XXXXone from XXXX through XXXX that i never had or did anything for, also medical bills through the med express when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft.
This is a formal complaint against MERCHANTS & MEDCAL located in XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
I contact the  XXXX  on  XXXX / XXXX /  XXXX   to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required
again wells fargo cant get thru cant get a  n ex tension for   XXXX   XXXX   mediation person to get my documents to avoid foreclosure. try to leave a message to no avail cant take this stress should not have to. i am told she cant talk to me when account is in litigation but my deadline for docs is   XXXX   and i have many questions and dont have some of the docs she needs etc. please also note i sent a request to bank about loan I am filing motion for summary judgment to dismiss foreclosure but am concerned over the lack of responsiveness despite many messages for mediation person  XXXX   XXXX . Still have no answer as to whether property taxes were adjusted as a result of what i sent in to do it. but mainly i am trying to protect myself. i need to hear from   XXXX   XXXX   for whom i left many messages so i can return docs to her for loan modification. i am also concerned based on past experience that this request will be handled fairly please send this to them at once.   this should not be so difficult. i have also applied to hardest hit program. foreclosure complaint is problematic. i have requested discovery from bank as well
I filed bankruptcy chapter XXXXXX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my XXXX credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.
XXXX   XXXX   XXXX   XXXX   has been running a hard credit check when I have NOT applied for credit and they have now done it  XXXX  and will not remove the information though I 've been in contact with them through a   XXXX   since  XXXX    XXXX   and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new  XXXX  in  XXXX   XXXX !
When I submitted the complaint on  XX/XX/XXXX  all that " Equifax did was to say that   XXXX    ran my report so it 's accurate. '' THIS IS A LIE. The FACT of the matter is that   XXXX   RAN MY CREDIT REPORT WITHOUT MY AUTHORIZATION, PERMISSION OR ME EVEN APPLYING FOR CREDIT WITH THEM OR THEIR AFFILIATES.
Saying that it is " accurate '' is FALSE AND FRAUDULENT BECAUSE THIS WAS DONE BY  XXXX  WITHOUT MY PERMISSION AN ILLEGAL ACTIVITY ACCORDING TO THE FCRA. IF I DID NOT APPLY FOR CREDIT, AS I DID NOT IT FOLLOWS THAT A HARD CREDIT INQUIRY CAN NOT BE ACCURATE! I WANT THOSE INQUIRIES REMOVED AND  XXXX  BLOCKED FROM RUNNING MY CREDIT UNLESS YOU HAVE PROOF THAT I ASKED THEM OR THEIR AFFILIATE FOR CREDIT!
REMOVE IT! The first time I filed the police report and the whole nine yard and this was supposed to be removed! It was n't and so now this is going to need to be ESCALATED and FIXED. IF I DID NOT APPLY FOR CREDIT THEY HAVE NO RIGHT TO RUN MY CREDIT AND EQUIFAX HAS NO RIGHT TO REPORT THAT I AUTHORIZED IT WHICH YOU ARE DOING BY HAVING IT LISTED ON MY CREDIT REPORT!
I have made XXXX request with Experian to provide documentation that the credit bureau uses to verify the unknown collection accounts that are on my account. In the results of their first re-investigation, they stated in writing that they " verified '' that those collection items were being " Reported correctly ''. As of today, I have yet to be sent any documentation verifying those collection accounts. They have ignored my request to provide me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or CAN NOT verify any of those collection accounts and under Section 611 ( 5 ) ( A ) of the FCRA, the credit bureau is required to " promptly DELETE all information which can not be verified. '' I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I was in the hospital, my card was on auto pay, but due to me not be able to confirm the payment with the creditor due to me being in the XXXX " not sure way never needed to before '' i was given a 30 day late, when I called and asked for a good will adjustment because of my episode, but once i told the creditor I was ill, the creditor closed my account, even being I had never missed a payment in over 3 years.
XXXX XXXX advertised on their website that if I apply for credit card called Mileage Plus Explorer/ Chase credit card and spend {$1000.00} within three months I will get {$50.00} statement credit and promotional XXXX miles in my XXXX XXXX frequent flyer mileage account. I applied for card and have received it since XX/XX/XXXX. I have already have spend over {$1000.00} using that credit card account. so I contacted Chase Manhattan Bank if I would be getting my statement credit and promotional miles. Representative replied I would not get either miles nor statement credit. I need Chase Manhattan Bank to provide {$50.00} statement credit and promotional miles in my frequent flyer mileage account at XXXX XXXX.
Delta management associates has so far : Called me all hours of the day and night Called my brother Called my mother Called posing as an investigator from a law firm looking for me regarding a former employer ( number is out of service and company didnt exist )
I have a AAdvantage Citi Card MasterCard. In XX/XX/XXXX, I was looking at my account and noticed that my mailing address had been changed to an unrecognized address. I called the company and later learned that the following things happened on my account and I was NEVER notified : Someone logged on as me, changed my address, added an authorized user and requested a new card be sent to the address. All of these actions were not authorized by me and Citi did not do ANYTHING to protect my security. I realize that unauthorized actions happen, but the fact that all of the above happened and I never received one confirmation email, phone call or alert to ensure I authorized the changes. I've called and complained and ask for more information and have yet to find resolution. I've asked for call backs and have not received them.
I went to school for 3 years and graduated XXXX with a degree in XXXX. I borrowed {$21000.00} initially for my schooling and they indicated that just like any loan my interest rate would be low and I would begin to pay my loans back once I graduated. When I graduated and set up to pay my loans they added on {$12000.00} in interest as my total cost, plus they said I get added interest percentages per month added to my total now {$33000.00}. This is such a scan and completely sets hard working students back once they graduate. I 'm so disappointed with the student loan companies when they are supposed to be there to support and help students.
i 've been paying for my vehicle ( XXXX XXXX XXXX ) since XXXX. I make my payments regularly each month but my balance was the same ( never moving ). i have records to show for it. the lender ( Santander Consumer ) fixed part of their mistake but now are trying to say that I owe the {$1000.00} from an internal audit they conducted almost two years ago. When i called they said it was from a missed payment almost two years ago and they are just noticing it. according to them I still owe {$9000.00} on a five year loan.
Ok I have contacted before then contacted my bank but they are doing the same thing they have done in the past. On Wed XXXX XXXX i had went to staples purchased {$3.00} and some change in copies also the same day before XXXX i had purchased {$17.00} then on the XXXX after banking hours i went to take out an atm fee so what the note said was could charge a fee so i got a mini statement. which cost XXXX dollars. So they turn around change the order they came in charged the atm charge then the mini statement XXXX done at their bank. Then put the fees on the other charges after them even though merchant services now only take one to two days. Also they had sent a account change saying that charges below XXXX would only be charged XXXX dollars. The lady on the phone a moment ago said they changed that. So in effect what they are doing is the same the have always done manipulate the way things come in to charge huge fees
This is in regards to the Equifax breach in 2017, I am trying to freeze my XXXX year old 's credit. I can not get a copy of his free credit report online because he is under the age of XXXX. I can not file to freeze his credit with the three credit reporting agencies online. I have to obtain on these special documents ( my driver 's license, his birth certificate, my SSN card, copy of my birth certificate, ect ) and mail them into the credit reporting agencies. I do not feel comfortable making copies of all these private documents putting them in an envelope labeled to each specific credit reporting agency. What if someone opens this piece of mail with all my personal information? This is not my fault this has happened. This shouldn't be this hard to put a freeze on my child 's credit.
My servicer, Navient, removed me from my income driven plan without notifying me. They then placed late payment fees on my account and reported me to credit reporting agencies. I have given them information to place me back on income driven repayment plans and filed for deferments, which Navient has ignored. They refuse to help or respond to my requests.
XXXX/Citibank opened more than 25 years ago I wrote both companies, called both companies. I filed an Unemployment claim back in 2013 at No time did either state. I did not have coverage. Now I am told that the coverage I had expired prior to my claim. Nothing was ever sent to me nor was I told until I tried to get them to pay. Sadly, I purchase something that when I needed it I am told I have nothing. I can not trust this is truthful as the argument previously by XXXX was it as Citi 's place to pay this account off as n insurance claim. Instead it was sold to a Collection Agency when it was an Insurance Claim. I need your assistance to get this paid and resolved.
XX/XX/2018 I disputed an inaccurate account with EQUIFAX the account which is XXXX XXXX XXXX. EQUIFAX investigated and it came back verified. In XX/XX/XXXX I sent in a certified letter to EQUIFAX for a Method OF Verification, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to EQUIFAX via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 EQUIFAX got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XXXX XXXX i was notified that EQUIFAX completed their investigation with the account XXXX XXXX # XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. EQUIFAX have violated my rights and need to remove the account from my credit, I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, EQUIFAX violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for  a description of the procedure used by your company. EQUIFAX received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed all the documents so you can see that I have did my part, I am entitled for damages for your noncompliance for not following the laws and FCRA.
In XX/XX/XXXX Diversified Consultants began illegally reporting an amount of {$59.00} on my XXXX, XXXX  and XXXX  which has severely impacted my credit. On XX/XX/XXXX I wrote Diversified Consultants and requested under FDCPA, 15 USC 1692g Sec.809 { b } for validation of the following information : 1. What was the amount owed for 2. Explain and show how they calculated the amount 3. Provide copies of documents that show I agreed to pay said amount 4. Provide verification or copy judgement if applicable 5. Identify creditor 6. Prove statute of limitations is not expired 7. proof of license to collect in the state of Arkansas 8. Provide license numbers and registered agent or agent of services. 
Diversified Consultants to this day has not provided any of the above requested information within the 30 days requested or required. 

I am writing this today on XX/XX/XXXX to bring attention to the unscrupulous collection protocol of Diversified Consultants. And to demand that the collection account # XXXX be permanently removed from my credit reports! 
Diversified Consultants has been given ample to time to comply. 
In the letter dated XX/XX/XXXX Diversified Consultants was instructed that all contact moving forward be in writing and to not call my place of business or home. Diversified Consultant violated that request on XX/XX/XXXX at XXXX XXXX  by calling me and requesting that I verify the last four digits of social security number and address. I politely stated that all contact has been requested to be in writing and I ended the call. 
I am demanding a cease and deceits of collections and reporting to any and all credit bureaus and that all collections by Diversified Consultants be removed from my credit files and reports immediately! 
Please see attached 6 documents of proof of all information communicated. 

Thank you, Sincerely XXXX XXXX
I sent a check in the amount needed to payoff a loan along with a letter. In the letter I identified the loan number, account number and amount of the payoff. Navient allocated the amount of the check toward a completely different loan, in a different group, different type of loans ( private vs dept of educ loan ) In addition to those instructions in the letter, I also gave instruction about how to allocate any additional payments. Pay loan with largest amount then loans with highest interest rate. 1. Navient did not follow the instructions for the check & loan as specified in letter. 2. Navient did not follow instructions for extra payments. I do n't know how they decided to allocate this payment toward the private loan. 
I called Navient and spent about XXXX minutes to get a cust service rep to agree to fix this. At first she suggested my husband needed to call since i only had authorization to talk about it not make changes. I pointed out that he had already sent a written letter telling them how to allocate the money. Why should he have to call to tell them to follow the written instructions? She handled this professionally and apologized for the errors. I appreciated her skills. 
Another problem : on occasion when i am logged into my account, the website will change to my husbands account. security issue. ( i know this sounds impossible, but i showed my husband. it happened while he watched. 
And finally, the offer to lower a customer 's interest rate for signing up for the auto debit seems like a scam to me. Why? Navient lowers my payment as my principle decreases. For example, rather than a fixed payment of XXXX with the amount going to prinicple increasing as loan is paid off, they will reduce the monthly amount. This causes the loan to drag on for way longer, Navient collecting more in interest. I will be taking my loans out of auto debit program. They minuscule amount of interest reduction they offer for being in the auto debit program is worth less and in fact the customer ends up paying more. Very frustrated.
I am filing a complaint with Diversified Consultants. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
XX/XX/XXXX, a property in XXXX, XXXX was purchased using my credentials. When I learned of this, I immediately discovered all pertinent information about and had a police report taken in my township of XXXX XXXX, XXXX. Local police forwarded the matter to the FBI in XXXX and then they forwarded that to the White Collar Division of the FBI in XXXX. Many debts appeared from this fraudulent address of XXXX XXXX XXXX, XXXX, XXXX and all other matters were discharged ( I even sued a bank and credit reporting agency successfully since XXXX bank sold mortgage to a XXXX bank after I disputed the transaction ). Also, other debts using a false XXXX State Driver 's license were also undertaken, but all were successfully mitigated. Now, I 'm still getting harassed every few years over a XXXX XXXX for the same address. Dynamic Recovery Solutions calls me continually on my work cell phone ( a State of XXXX owned phone number for the record ) and my home phone number. I sent them a cease and desist letter on XX/XX/XXXX which USPS says was delivered to them on XX/XX/XXXX. I have received 2 calls since that time. Make them stop or I will sue. Since this debt is obviously over 10 years old, they have to stop also. I sent them in a letter to " XXXX '' my name and the phrase " Identity Theft '' to see that this was well published in many newspapers ( I even made the front page of XXXX XXXX ). I was also interview by XXXX XXXX and my situation was seen on XXXX nationally.
XXXX XXXX  and XXXX XXXX XXXX are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud
I have been trying to apply for college loans and have been unsuccessful. Upon inquiring about my credit score, I have found XXXX different times when there are large charges under my name from the following companies : XXXX ( XXXX ), XXXX, and XXXX.
I.C. System Inc. is trying to collect the amount of {$320.00} dollars for services that I never receive from XXXX XXXX. I got in contact with XXXX XXXX on XXXX XXXX 2017 and they suggest me to email the XXXX XXXX XXXX in order to fix my problem. He never respond to my email or call me back ( Please see attachment with a copy of the email )
This debt has been charge off, now it is comingbac for collects. I would like for thisto be removed from my credit report. XXXX and XXXX.