WillisBack/dataset-financial-user-claim huggingface dataset:
Saturday, XXXX XXXX I received an email from at Capital One Bank with the subject " Here 's the code you requested ". I called the number provided in the email. The woman said, " It was sent to all customers for security purposes. You 'll need a code the next time you log on ''. On Monday XXXX XXXX at XXXX I received an email with subject, " XXXX XXXX was added to your account ". Then at XXXX I received an email saying, " Your email was successfully changed ''. At XXXX another email saying, " XXXX XXXX was added to your account ". I called immediately only to be put on hold for a significant amount of time. The woman told me someone had changed the email to XXXXXXXXXXXX, which I did not authorize. She then said she would place a hold on my account. The next day, however, my mother received a call from XXXX in the " Security Dept. '' asking for permission to allow XXXX XXXX to take out a {$5000.00} loan. My mother was a signer on XXXX of the XXXX accounts. XXXX then called me, left me a voice mail asking to call her. I tried twice that day & left a voice mail with my name & phone #. I never received a call back. The next day, XXXX XXXX XXXX, I went to a Capital One branch, closed all accounts & opened XXXX Capital One 360 account. The manager XXXX, said I had to return the next day to transfer the funds. Thursday XXXX XXXX, I returned, he transferred money from all accounts, we called the security dept, spoke to XXXX who said I was all clear to create my online username/password only to find out later that day, I was unable to do so. Over the next 9 days I spent, trying to access my funds. Finally, last Fri XXXX XXXX a total of 9 hours 57 minutes on the phone, mostly on hold, I was able to access my new account. I logged in today & while on the Account Summary page I see XXXXXXXXXXXX with a link to update the email. XXXX, I 've never seen my personal info on the summary page. I 've just spent the last 43 minutes on the phone with " XXXX '' in the Security Dept who said when they opened up the Capital One 360 account they just transferred my personal info ( including XXXXXXXXXXXX ) from the " XXXX '' account. He claims he deleted the hacker 's email & nothing else was changed. Forgive me if I am not convinced.
I returned an item to XXXX, but they did not credit my account. I sent documentation and letters to Capital One indicating proof of lack of indebtedness but they claim I have not. I received a small claims judgement against XXXX, but Capital One refused to credit my account.
On XX/XX/XXXX, I opened an account with Citibank when I purchased a washer and dryer from Sears. They assured me that Sears would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my PO Box for billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned Sears and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from Sears informed me that the salesperson was new and didnt know that Sears doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XXXX I received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at Sears. I telephoned Citibank and Sears to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that Citibank was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, Citibank mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that Citbank reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected Citibank to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that Citbank clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between Sears and Citibank. Citibank has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.
SOMEONE HAS REQUESTED INFORMATION FROM 'CAPITAL ONE BANK USA NA ' ON XX/XX/2016 IN MY NAME THAT IS NOT ME. THIS IS FRUAD!
I have now XXXX companies, XXXX claiming to be a legal processing center ( goes by XXXX XXXX XXXX ) and the other claiming to be a pre-trial intervention company ( whose phone number appeared on XXXX ), both stating that they will submit my " case '' unless I pay them " restitution '' or I will face charges including theft by deception and fraud, stating that I 've gone against federal banking regulations for payday loans that I have received many years ago. They state that I must pay immediately or the case is leaving their office, for my district court house, that same day. Both offices have stated that they do not accept checks, due to bad check issues, nor do they give out and physical address, for safety concerns, and will only mail me something upon completion of payments. I have also done an online chat with a legitimate law office about this matter, that attempted to call their phone numbers and says that they are most likely a scam. i am not sure what to do or how to verify that they are both definitely a scam as the XXXX legal processing company has also contacted my family members, discussing this matter and have threatened my mother, stating that her name is on these documents. I was only able to obtain a XXXX XXXX number from the XXXX company, as neither has a website or any contact information other than a phone number. I feel that I was also victimized by the XXXX company 2 years ago in a similar scam regarding this same payday loan, which I did pay them for fear of legal charges, again from many years ago. This new pre-trial intervention, which only has the name XXXX XXXX, also yelled at me and hung up on me, after me questioning their valid existence. I have received nothing in writing or in the mail from either, they stated only the court summons or arrest warrants would serve as documentation, also this loan does not appear on my credit report.
I am a Citibank Thank You Preferred Visa credit card holder in good standing ( and a Citigold Premium checking account holder ). In XX/XX/XXXX I received a balance transfer offer from Citi Bank with the following offer language : " Lower Rate '' : 0 % promo APR with a fee of {$5.00} or 4 % of the balance ; and " No Fee '' 4.99 % promo APR. I was confused because it says " No Fee '' but below reads " The standard balance transfer fee is {$5.00} or 3 % of the amount ... .. '' so I called Citi Customer service to get clarification. I was assured that the 4.99 % offer was indeed a " No Fee '' offer and that the language about fee was to show what the fee would have been if it were an offer with a fee. 
So I made a transfer of {$2500.00} with the XXXX 4.99 % check provided -- and, despite the stated " No Fee '' ( and the assurance from customer service that this is a " No Fee '' offer ), my account was charged a 3 % balance transfer fee ( {$75.00} ). 
I have written four times to Citi customer service via their website, by fax, and by U.S. mail asking that the {$75.00} fee be refunded but have not received a response of any kind.
I have repeatedly asked them not to call me at my parents house and they have continued to call me there. Two weeks ago my sister gave me a message that they called and wanted me to call them back. When I called I made it very clear that I have previously requested twice to have that number removed from their system and that it was not a good number to reach me at and that it causes me a lot of problems and my parents do n't need to be bothered by my personal business. I was assured that they would delete the number and that it would n't happen again. The following week at XXXX in the morning they called again. I told them I was going to file a complaint against them. They said that I still owe the bill.
Chase Cardmember Services XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX To whom ever ; I am a XXXX veteran and I am very upset with the practices of your bank. 
XX/XX/XXXX I was in a branch in XXXX XXXX and a bank individual mentioned to me that they had a credit card that you could transfer my balance into that card with a 15 month no interest offer. I told that individual at that time that the only way I would be interested in doing anything was, with the stipulation that they would transfer the balance on my other card.. That was the bait ... The switch came when they only transferred less than {$2000.00} ... which was not what I agreed upon. This has now caused my credit rating to drop almost XXXX points. 
At this point I am left with no other option to seek an appeal on your part before I file a small claims court action for the grief and the bait and switch tactics used plus damages to my credit, and before I cancel both my accounts. As I have already closed the credit card immediately after I received it.. 
In short, I would like you to expunge the credit card application from my records and notify the proper credit reporting agency that the report you supplied was due to your error. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
I had paid off my Nordstrom account in    2014  at the  XXXX   XXXX  located at  XXXX , Virginia. After several months had past  Nordstrom  closed my account for none payment. I continue to call their Credit Department to resolve this matter. I had went back to  Nordstrom  at the  XXXX   XXXX  in  XXXX , Virginia and had several conversation with the Customer Servi ce Manager regarding my previous payment. I give them my Nordstrom credit card and my receipt of payment. At that time the manager stated did I give the Cashier my credit card when I made my payment and I stated yes. They continue to call the credit department and compare my receipt with my Nordstrom  credit card. After a timely investigation they discovered my payment was applied to someone 's account. The credit department apologized over and over again and stated that they will be transferring the money back to my account and any fee 's or delinquencies will be adjusted. At this present time I have never seen any transfer 's back to my account,
I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on the XX/XX/XXXX and the XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.
On XXXX XXXX, 2015 I was in the process of secure financing to buy out my lease ending on XXXX XXXX, 2015 from XXXX XXXX XXXX. I leased my vehicle from XXXX in XXXX and recently relocated to XXXX, with the intention of purchasing the vehicle at the end of the lease. I contacted Wells Fargo Financial Services The Wells Fargo Inbound Sales Specialist, XXXX XXXX, informed me that if I went through Wells Fargo for financing, not only would they help get me a competitive interest rate, they would also take care of the title, registration, license plates, and tax payment. On XXXX XXXX, 2015 I made an appointment with the Wells Fargo Inbound Sales Specialist to finalize this loan at a local Wells Fargo branch in XXXX, XXXX where I would be speaking with a local Private Banker, XXXX XXXX. During the contract review process, I was informed that I would be financing {$15000.00} for the payoff as well as sending separate checks to Wells Fargo in XXXX, XXXX who would be taking care of the tile, registration, license plates, and tax payment directly with the State of XXXX and XXXX XXXX XXXX. The Private Banker as well as the Inbound Sales Specialist, XXXX XXXX, informed me that I would be receiving the registration, title, and license plates by mail and that I could expect these between 7 - 14 business days. On XXXX XXXX, 2015 I still have n't received the registration, title, and license plates so I contacted the Wells Fargo office in XXXX, XXXX to learn that there was an internal issue with the paperwork and that they were sending my checks back to me, where I would need to take care of all the paperwork on my own. On XXXX XXXX, 2015 I received a phone call from the Inbound Sales Supervisor, XXXX XXXX, accepting responsibility for the issue and apologizing, but that nothing can be done and that I would need to take care of all on my own. This situation has me believe that I was sold a service that was not part of the original agreement secure financing and interest by misleading me. I do have email correspondence between all parties listed above and myself, indicating that the paperwork would be taken care of by Wells Fargo.
XXXX, Equifax, and XXXX all make freezing and thawing my credit extraordinarily difficult. Even in times of obvious and publicized hacks of their databases -- putting my and millions of other American 's secure information in the hands of criminals -- they are making the act of freezing and thawing my credit nearly impossible and re-directing me to PURCHASE products from them to prevent my information from being stolen. HELLO!? 

The U.S. government needs to step up and take the keys to the castle away from these fraudsters. It 's time to take control and start saying no to the companies that are acting no better than the petty thieves and hacks corrupting their databases.
Alliance One has been contacting my work numerous times after both verbal and written instructions that this is a violation of my workplace policy. They have ignored these requests and have placed my current job in jeopardy with this repeated harassment. They will not respond to what the nature of the calls are about after numerous requests to do so. I have student loans and am paying on these so I am a little uncertain as to what these calls are in regards to.
On XX/XX/XXXX we closed on a refinance of our primary residence located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The outstanding loan amount was about {$89000.00}. We always paid our mortgage on time, never was late. In XX/XX/XXXX/XX/XX/XXXX our home was destroyed by fire. Our insurance company XXXX, cut us a check to payoff the mortgage and to begin to rebuild our home. The check amount was {$260000.00}. We ( my spouse and I ) had to endorse the check on the back and send it to the mortgage company to pay off the balance. In turn the mortgage company, Freedom Mortgage, sent to us the difference of the mortgage owed to them. The remaining amount is being used by us to begin rebuilding our home. The amount sent to us was {$170000.00}. However since XX/XX/XXXX, we are receiving calls from the mortgage company stating that our mortgage is due and we owe them a payment. The latest representative has called us and threatened to begin the foreclosure process. The loan should have been paid off with a balance of XXXX. When talking to the representatives, they state that the records show we owe over {$80000.00}. That is not possible, because we received a check for the difference of what we owed on the loan. I have attached a copy of the check showing it had cleared the bank.
XXXX XXXX duplicate accounts XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX same loan XXXX.in good standing with delinquency trade lines XX/XX/XXXX. 3 times the same student loan. XXXX XXXX XXXX. XX/XX/XXXX with delinquency trade lines in good standing, innacurate information. XXXX  original loan account status closed / Transfer when should said paid/ closed XXXX. XX/XX/XXXX this way they duplicate the same account with the same trade lines in good standing but with status paid/ closed without the original trade lines XX/XX/XXXX and last reported XX/XX/XXXX when was paid XX/XX/XXXX.XXXX again with the duplicate account XXXX. XX/XX/XXXX the same pattern with the XXXX. last reported XX/XX/XXXX. These two loans was consolidated into one in XX/XX/XXXX.
credit bureaus refused to reverse the late payments reported on XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Experian is reporting two ( 2 ) collections on my credit report that has been paid and this is causing my scores to go down. 
The accounts are XXXX XXXX and XXXX XXXX XXXX in the same amounts of {$140.00}. They are not reported on XXXX  and XXXX   because they were removed as payment was made for these accounts.
o My wife opened this account over XXXX years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a canned software package. 
o I taught school for XXXX XXXX XXXX XXXX for XXXX years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX 
o We XXXX take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls Home Depot refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by XXXX XXXX XXXX both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XXXX/XXXX/XX/XX/XXXX
There are 2 issues with XXXX XXXX XXXX XXXX : 1 ) I secured a deferment for account XXXX in XXXX of XX/XX/XXXXto ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XX/XX/XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since XXXX XXXX hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes toXX/XX/XXXX In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXX thru XX/XX/XXXX.
This CBE Group keeps calling but leaving no message. They call several times a day. I understand they are a debt collection agency. I do not have any debt and there is no one else in my household who owes any debt.
The interest rate which I am charged is through the roof!!!!!!! I know my credit score was not the greatest but the amount of interest they are charging me is going to end up passing the amount of what the car is worth. ITS ABSURD!!!!!!!!!
I have XXXX of Bank of America Credit cards, XXXX is power rewardssignature visa, XXXX is cash rewards signature visa. Bank of Americacredit department closed my both account without any notice, and all of mycash or power points rewards are forfeited. I do not violate any T & Cs of credit card agreement or rewards program rule, and both of my credit card account remains in good standing, I want bank of america refund all cash or power rewards to me
I was never late paying XXXX XXXX XXXX XXXX I disputed the accounts with XXXX , Experian and XXXX but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
IN XX/XX/XXXX, I CONTACTED NELNET TO INQUIRE ABOUT ACCRUED INTEREST ON MY LOANS BETWEEN XX/XX/XXXX-XX/XX/XXXX. OVER {$7000.00} IN INTEREST HAD ACCRUED DURING THIS 3 MONTH TIME-SPAN, ALTHOUGH ALL OF MY LOANS SHOULD BE IN A GRACE PERIOD. I GRADUATED FROM XXXX ON XX/XX/XXXX ... MY REPAYMENT SHOULD NOT START UNTIL XX/XX/XXXX. I HAVE MADE 3 FORMAL COMPLAINTS ABOUT THIS.
I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. TransUnion, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.