WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One Response Letter : XX/XX/XXXX, XXXX CFPB File # XXXX In with regards to your response to your letter on XX/XX/XXXX I did not apply or fill out any credit application XX/XX/XXXX for no loan with no XXXX threw no Capital One. I Financed a car in XXXX XXXX and made my first payment in XX/XX/XXXX for {$570.00} so how is it I have credit ran on XX/XX/XXXX & XX/XX/XXXX Because I did not authorize nor apply or give permission to Capital One to obtain or run credit. XXXX on XX/XX/XXXX I was renting a car so how does Capital One send me a letter as if I was or buying a car from XXXX. Capital One needs to provide documentation of such with my signature as well as the credit application with my signature as proof. 
Only time I applied for credit was in the moth of XX/XX/XXXX to XXXX of the XXXX XXXX and when I applied I instructed to only run the credit to Capital one Bank & XXXX XXXX  & The GM suggested to me I could Finance threw XXXX if I wanted to and no other credit was ran. I change my mind and did not want the car and decided to wait. XX/XX/XXXX no credit applied for to no Capital One Then Capital One has XX/XX/XXXX so why was credit ran on XX/XX/XXXX and I just got approved in XXXX and took a loan out threw Capital One and made my first payment to Capital One in XX/XX/XXXX so why was Capital One running credit on XX/XX/XXXX with out my permission and I did not apply for no credit by no one until XX/XX/XXXX I see fraud committed and unless there is documented proof of such transaction with my signature documented its fraud on Capital One because I see that my self. I don't want to here nothing from Capital One in words unless documented proof is provided and documents to support there claim as if I applied for credit on those days stated by Capital One.
In the spring of 2016 I reached out to credit agencies including Collection Service of Nevada as I decided to work on paying off my bills. I updated my information with them of both my home address and my work address. I told them that they were free to contact me at my home address. 

They served me a lawsuit for small claims court at my work address. I paid the default judgement off within a week of the default judgement being awarded. I asked them not to contact me anymore since I had no more business with them ( because the debt had been paid off ). 

They just mailed me a document they submitted to the court that I had paid off the balance of account, but they mailed it to my work address, even though I asked that ALL correspondence be sent to my home address when I talked to them last spring. 

The return address is clearly visible to my employer and staff of the office I work at. Also, it is the policy of our office to have staff open the mail before it is delivered. 

Because I have asked multiple times for them to send me correspondence to my home address and not to contact me at work, and because they have repeatedly ignored this request from me, I make this complaint with the Consumer Financial Protection Bureau.
ABR Recovery keeps reporting the same time barred debt on my XXXX Credit report I have disputed several times and XXXX says they verified it was mine and leaves it on my report ABR recovery changes the open date and account number so that XXXX claims it not to be a duplicate Debt. This is a XXXX account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted ABR and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. ABR Recovery claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XX/XX/XXXX and XX/XX/XXXX and they do not provide anything because they don't have it. XXXX at ABR recovery even admitted over the phone it was a old XXXX debt. ABR also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to ABR Recoveries incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly
I made an online inquiry about payday loans. I was contacted by a person named XXXX XXXX. After processing my application on the phone and verifying my credit history, XXXX informed me that due to my credit score, I would have to pay for insurance in the amount of $ XXXX usd. His supervisor sent a loan confirmation letter with " PNC BANK '' listed on the letter head. When I agreed to the loan amount, he then asked me to purchase an " XXXX '' card to pay for the insurance. I refused. He then asked me to got to a money gram. I refused. Instead I contacted PNC XXXX XXXX XXXX XXXX program to inquire about this method. PNC has confirmed that they do not have a program that offers insurance for installment loans, and that they do not require insurances on the loans as they are FDIC insured.
Equifax has an account on my credit report that is passed the statute of limitations. The account status is also incorrect. The account has been paid. This account is also passed the statute of limitations and should have been removed from my credit report. the date of deliquency is incorrect. I have disputed this information with Equifax and it fails to correct the problem.
I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions. 
I would like these medical bills removed from my account completely. The insurance paid what was agreed upon and now I am being billed what they think I owe. The main companies are XXXX XXXX XXXX and XXXX XXXX XXXX. 
Also, I believe that my credit score should be no less than XXXX from each of the reporting agencies after this issues are corrected because I have opened no new accounts and the XXXX accounts that I have are continually paid on time. 
Thank you.
I have been submitting documents to the bank and they keep adding to the required list but not allowing more time to complete the documents list and pass audit. They gave me time to submit documents, but every time I call the need additional documents. There is a foreclosure sale date of XXXX and they keep adding to the list of documents, letters of explanation while my short sale seller documents and hardship have been validated previously. I feel they are fast tracking me to foreclosure. When I call they tell me that even though I am being review for foreclosure alternatives, they will continue with the foreclosure sale date. I consider this dual tracking and extremely unfair business practices and in violation of CFBP rules. Is there some way to ecourage them to continue with the short sale offer review. They have been sitting on the offer since, XXXX, almost a month. Please help.
XXXX  unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks
I am active duty XXXX and while in boot camp was given forms to fill out for a checking, savings, and certificate of deposit ( easy-start certificate ) from Navy Federal Credit Union. I was not aware until after that I also signed to apply for a XXXX XXXX credit card and an XXXX XXXX Checking Line of Credit ( XXXXCLOC ). On this pay cycle, I made my transfers on my online banking, knowing I was getting paid that night. Per my meeting with a financial counselor, when my transfers posted, the Navy Fed systems didn't think I had enough money so it moved funds from my XXXXCLOC to checking, and then put my paycheck to full pay the XXXXCLOC, with the extra funds going to my checking. The problem is that I never knew I had the XXXXCLOC until this happened, and I don't want my entire paychecks going to pay something I didn't want to begin with.
Four months ago, I applied the CITIGOLD account with the promotion of XXXX AA miles. Before applying, I double checked with their representative if I 'm qualified, they told me yes, I 'm totally qualified. According to their policy, they should give me XXXX AA miles at the beginning of this month, but they did n't. I called them several times this month, the representatives checked and told me I 'm qualified for the promotion and they should have given me the bonus of XXXX XXXX miles. In the meantime, they told me they 'll go ahead and deposit XXXX XXXX miles to my XXXX account within 48 hours and they 'll email me about this. But I waited for a whole week, nothing happened. Then I called them today, they let me provide the proof that I 'm qualified for this promotion, which is ridiculous since that 's four months ago, how can I keep the proof with me? I receive lots of mails everyday!!! They said if I do n't have proof, then they 'll review the case and it 'll take 30-60 days. I feel like they do n't want to give me the bonus anymore, they 'll take one or two months to deal with this and I do n't even know the result. I feel like I 'm fooled by them. I googled and found out many customers are in trouble with this like me. I really do n't know what to say.
Barclay Card has attempted withdraw funds in recurring payment from the wrong bank account several times over the past 2 months ( XX/XX/XXXX and XX/XX/XXXX ) where the reoccurring payment was set up for a different bank account on their system. Barclay is now trying to levy a late payment / insufficient funds fee due to an error on their end.

I have tried to contact Barclay through their secure message centre and by phone about the matter but they refuse to acknowledge the problem exists even though I can log into their website and see the configuration myself.
For the past few months, I have attempted to get a credit card through XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.
I HAVE PAID THIS ACCOUNT IN FULL AND HAVE SUBMITTED ALL RECEIPTS, THIS IS STILL SHOWING A {$3500.00} BALANCE ON MY CREDIT REPORTS.
My home owners insurance lapsed XX/XX/18. Home Point Financial is my mortgage company, they haven't sent payment l. I have tried calling and emailing also representatives at XXXX have tried as well.
National Credit Adjusters has been repeatedly contacting my husband asking for XXXX XXXX ( not his name ) on a debt that is not his, nor is it mine. This debt was previously with another collection agency and it was proven to not be mine and was removed from my credit report. It was sold to National Credit Adjusters in an attempt to collect money that I do not owe.
All of a sudden I had an alert that a negative collection was on my credit report on XX/XX/XXXX. Upon investigating it appears Southwest Credit our of XXXX, Texas it opened a collection on XX/XX/2018. It says I owe XXXX. I needed service with them 2 years ago due to poor coverage and a XXXX owed. Never received a final bill either.
This account with XXXX was paid in XX/XX/XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points
Thanks, On Friday XXXX/XXXX/2016, I left my job and went to my bank XXXX XXXX XXXX XXXX XXXX and attempted to get {$20.00} for gas. I noticed that it said XXXX dollars, so I went in and talked with a teller. They could not tell me what was wrong as they reported my account was zero. They provide a number for me to call XXXX. As I contacted this number it was outside of the business hours so then I was advised by XXXX XXXX XXXX to forward this issue to the following Monday. I called on Monday with the reference code number XXXX and was informed to then call XXXX which is a company debt collection for XXXX and XXXX attorneys who claimed that they did not receive my financial report last year which is about six months ago detailing my financial output so they could put me on payment plans. They also provided their fax number XXXX by which I kid facts them another financial report as I receive their template in the mail which is approximately XXXX hours from now. I spoke with XXXX XXXX extension XXXX at XXXX. She is now handling this case and said that there will be a possible review to refund the money that they seized, but no guarantee. This has come at a loss to myself and my son as well as I feel that I was misused because I followed all of their rules to comply with signing my financial plan and mailing it to them about six months ago. It is against the law to take all funds away from the consumer so I would love your support on this matter I could be reached at XXXX sincerely XXXX XXXX.
XXXX keep lying and refusing to give the sign-up bonus I deserve. 

XX/XX/XXXX - I opened a XXXX XXXX card and met the spending requirement for the sign-up bonus. American Express sent XXXX points to XXXX as the sign-up bonus, and they confirmed this several times in few inquiries I have made. 

XX/XX/XXXX - I contacted XXXX to ask about this, and they opened a case and asked me to wait 2 weeks. 

XX/XX/XXXX - They sent an email that I didn't meet the spending requirement. I called Amex who said that is not true and they already sent the points. I chatted XXXX and they opened a case for this and asked me to wait 2 weeks. 

XX/XX/XXXX - I contacted XXXX again and they updated the case and told me wait 2 more weeks and there was no follow-up for this. 

XX/XX/XXXX - I finally conference called with both XXXX and Amex together because XXXX is refusing to give points for no reason, and they agree that I deserve the points. They said wait for 7-10 days to get it resolved, and offered some points for compensation. 

XX/XX/XXXX - I still didn't get any points ( even the compensation they offered ) so  contacted XXXX again. They said they updated the system and the case should be updated. Also told me wait more. 

They are refusing to give the sign-up bonus advertised and keep lying that the issue will be resolved soon. I patiently waited more than 4 months but it seems like they are mishandling this issue.
Between XX/XX/XXXX and XX/XX/XXXX my debit card was illegally cloned as used for a number of fraudulent transactions totaling in excess of {$800.00}. JP Morgan Chase 's fraud detection and online banking updated failed to catch the fraud. When I finally phoned in to cancel the debit card and flag the transactions, I was told that I would not be refunded the full amount illegally stolen from my account, due to a 60 day fraud threshold the bank has in refunding stolen monies. I want to be made whole.
On XX/XX/2018 I made submitted a dispute via US mail on two accounts on my personal credit report. The invalid nature of the accounts that were reported in direct reflection of FCRA section 605.B and 611 along with supporting documentation validating my identification and the incidents that led to the invalid account postings. 
Please assist me in enforcing the blockage of these invalid accounts as they are hurting the financial well being of both my personal and business life. The accounts question are as follows : Bankruptcy - XXXX XXXX and XXXX Thanks
Premiere Credit keeps calling me before XXXX PST I have informed them to communicate with me via email because I refuse to speak with their abusive representatives. Their response is to initiate phone calls starting at XXXX PST. I just received a call on a recorded line from XXXX a sales rep, which I did not give permission because this is a two party state. The number that called was XXXX.
Apex Asset management LLC XXXX XXXX  XXXX are XXXX XXXX PA attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor of collection agency and she confirm that they receive such letter from a hospital?????? I continue to receive a calls. 
As per my last conversation with XXXX XXXX ( agency rep ) she treating me and give me a last chance to pay????? 
This must be stop! I find this very unprofessional and very obnoxious to even in the first place. She refuse to connect me with her supervisor or give me a chance to leave a voicemail to her supervisor. 
I appreciate you help in this matter. 
Thank you
I have received notice that I owe payment for a debt to XXXX from Enhanced Recovery Company , LLC. Upon returning my equipment to the XXXX store in XXXX XXXX XXXX last XXXX, I was assured that my account had been paid in full and I did not own any additional money. I have not had XXXX since that time. 

I have not received any notice from XXXX prior to this statement that I owed anything or that there was a balance due. XXXX no longer has my account on file.
I had a mortgage with XXXX XXXX XXXX as of XXXX XXXX, 2016 now Penny Mac has the loan. I notified XXXX XXXX XXXX that I wanted to pay {$2000.00} on the principle balance of {$3000.00}, I was inform that it could be done even though I was behind two months. After making the payment on XXXX XXXX, 2016, I notified XXXX XXXX XXXX to verify that the payment had been processed properly, the payment was applied to unapplied funds and sent to Penny Mac ; therefore, I called Penny Mac to inform them of the request to apply the funds to the principle and I was told since the principle was {$3000.00} it could be done so after a few days I called Penny Mac to verify that the {$2000.00} payment had been applied properly but it had not so I spoke to a supervisor ( XXXX ) who attempted to get the amount approved but I was denied the opportunity to pay the loan off as early as possible. The loan would be paid off in two to three months rather than seven to eight, Penny Mac distributed the payment the way they wanted without my knowledge.
I have a notice on my credit report from XXXX XXXX XXXX that a loan that I co-signed for is in collections. The loan was my sister 's and showed up on my credit report after she declared bankruptcy. My dispute is that the l last payment on the loan was in 2008, and the creditor has systematically moved the last payment date to keep the account on my credit rating. This is illegal, and all XXXX credit bureaus have allowed to continue. By law, this should have been removed after 7 years. Repeated requests to both the credit reporting companies and to the creditor for documentation has been ignored -- another violation of federal law.
I was contacted by Van Ru Credit Corporation 5 times in one day. They would hang up each time I would answer after my answering machine would pick up. When I finally spoke to them, they told me to press my suit that I have a court date coming up. That if I do not pay my bill they will take my home, and my children will be homeless. 

When I called and asked to speak to the President or owner I was told XXXX XXXX does not speak to losers. That he was on his yacht on vacation.
I applied for the XXXX XXXX XXXX card after receiving an pop up saying I was approved for the XXXX XXXX XXXX card on XX/XX/XXXX the day after my birthday. received visa card a week later. I went to use the card shortly there after only to be told by Cashier that my card was declined. The cashier ran my card three times. Also around that time I also received preapprovals for XXXX XXXX and XXXX XXXX  card only to find out later that the bank closed my accounts. In addition, I asked for credit limit increase on a few existing credit cards such as XXXX, XXXX XXXX 's and XXXX credit cards which are normally soft pull on my credit reports but were hard pull. I called the bank and explained that I could n't use my card only to be told that bank closed my account and that I would receive an letter!. They did allow me to keep the XXXX XXXX card that I applied for later. I feel they should of declined this application as well if they are saying I have too many inquiries. Over half of inquiries especially on my XXXX are hard pulls from Comenity Capital. They  are pulling hard pulls on my report for what should of been soft pulls! I received letters stating that I had too many recent inquiries. Most of my inquiries are through Comenity Capital Bank is whats very odd and why I am complainting and very angry! I have held cards with this bank since XX/XX/XXXX. I feel they should close all of my accounts if they are going to be this nasty about closing accounts that they approved and issued the credit cards for. Why go through all this trouble and then deceive me and close my accounts. It was very embarrassing to be in grocery store using your credit card to be told it was declined. There was no reason for this! The bank should of just declined the application in the beginning! I am going to be filing other complaints and seeking an attorney over this! I also feel they need to remove all the inquiries they placed on my XXXX and XXXX credit reports as well. Most of the inquiries should of been soft pulls not hard pulls especially on my XXXX credit report file. I am hoping the FDIC and my Attorney General gets involved in this matter as well!
On Friday afternoon, XXXX XXXX, I was contacted at my home by telephone by a representative from Chase Bank ( call # XXXX ) indicating that there appeared to be fraudulent activity connected to my accounts, and asking me to add a password and security questions to my credit card accounts. About an hour later, I was called once again at home by telephone by a respresentative from Chase Bank ( call # XXXX ) asking me if I was physically present at a branch - I indicated I was not, and told the representative about call # XXXX, and suggested to her that they should detain the individual in the branch, as that was likely the fraudster. About a half hour later, I was called yet again at home by telephone by a representative from Chase Bank ( call # XXXX ), indicating that they believe there was fraudulent activity on my checking account, and that there were withdrawals for cashiers checks. I responded that these were clearly fraudulent activity. The Chase representative told me that I should come to a branch, and close the accounts, and re-open new accounts, which I immediately did ( we arrived at the branch at approximately XXXX ). Online activity indicates there were XXXX withdrawals to fund cashiers checks, XXXX for {$1800.00}, and XXXX for {$3500.00} ( copies of these withdrawals attached ). Had Chase checked the signature card on file, they could have clearly seen that the signatures on these withdrawals slips are not mine. 
I understand this claim is noted with the Chase internal claim # of XXXX. 
Chase is telling me it may take 30-45 days to return my money, even though I have sent them an claim along with the notarized police report.
Automobile Acceptance Corporation & XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX never served me with a suit and fraudulently filed a garnishment of my bank account for {$21000.00} According to the paper work it reaches the statute of limitations and the attorney who is acting as a debt collector failed to send me the proper paper work to view this case.