WillisBack/dataset-financial-user-claim huggingface dataset:
2nd complaint. I have had my capital one credit card for several years and my son has been an authorized user on the account ( he is a minor ) Per capital one credit card agreement he meets the age requirements to be a user, I recently added additional authorized users. Upon doing so ALL MY CARDS WERE RESTRICTED, because they wanted the PHOTO ID and SS CARDS to all at the same time otherwise the card would remain restricted.. I was able to obtain all information from all authorized users except one. My brother travels and does not carry his sscard with him. ( per the SSA recommendations and all credit bureaus, consumers should not travel with or keep this in their wallets, etc ) After I have received all information from all parties, they are requesting that my son has a government ID. He is a Student. He does not drive, and in TEXAS it is not a requirement that he has a government issued ID, at his age. Capital One has blocked me from using my own cards. I understand if aall the authorized users are not allowed to use the cards. However, Capital One does not allow me to remove any authorized user that placed on the account. I.E if one of the authorized users decided that they did not want to provide capital one with this sensitive information ... CAPITAL ONE informed me that my card ( Primary Users CARD ) WOULD HAVE remained BLOCKED! THis process is ridiculous and needs to be streamlined to make sense. THere was also no warning prior too. If I was aware that this information would have been needed I would attained all information prior. To ensure a streamlined process. I would have NEVER wanted my card to be restrictedor my son to be embarrassed while trying to get food on the day the card was restricted without NOTICE. THERE was no email, call, text or automated call sent. Although I receive a daily summary of my balance via email each day. They also do not honor your automatic payments when they account is restricted. i was charged a late fee because they failed to inform me that they would not draft the payment from my account for the minimum amount due when the account is restricted. I have talked to Capital One and they claim they have talked to other financial companies that have the same process. The fact. Other compnaies request the inoformation prior to sending out the cards and they inform the Primary card holder during the process of adding the Authorized user and or the call /email with information and a time frame ..i.e 72 hours to provide documents before request is cancelled.. However the Primary card holder is not restricted unless they are the party in question. please assist me in this process. I have been on the ph today 96 min trying to get an answer regarding my sons required docs and there is nothing written in the Capital One by laws that state this information.
The problems with this company are continuing. History and previous complaints made : 1. Originally did not credit over {$35000.00} principle pay down and took out 3 regular payments after pay down. This was finally corrected.

2. Next complaint was for not crediting us for the three overpayments. This was finally corrected ; however, they have now credited my MORTGAGE account {$1100.00} and taken out my XXXX payment. 
So in other words, they are still using my money to make for their company money. If this happened to at least 1000 other people ... that is a lot of money, over {>= $1,000,000} they are making off their current customers for not returning funds appropriately. Do they really think their customers are that dumb?
Originally contacted by Ability and was told I was owed {>= $1,000,000} by the City of XXXX. I contacted Ability and let them know they made a mistake. Ability later notified me in writing they sent XXXX with incorrect information. Later Ability sent me a knew notice, an attempt to collect {$130.00}. I contacted Ability and disputed. However, Ability resolve. 

Failed to answer my dispute with anything other than the same form letter. 
Ability refuses to provide supporting information to the account they 're attempting to collect. 
Ability fails to recognize they 're original correspondence.
I received notices the past 2 year that my property taxes were not paid. I have an escrow my property taxes are to be paid out of. I called, faxed, and mailed the notices each time I received them and was assured by representatives my property taxes would be paid. My tax return shows property taxes paid from the lender but I received a tax lien notice of unpaid property taxes today that my property would be sold in 60 days if not resolved. I plan on paying the amount because I do not want to lose my house but I do not trust my lender to pay my property taxes now.
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

CMRE T710IM HIPAA VIOLATION
Loan was made in XX/XX/2008 for {$8200.00} current balance is {$8500.00} we make the payments every month {$100.00} it seems that it will never be payed off. the interest rate is 11.75 % variable
I XXXX XXXX file a CFPB complaint as I believe that XXXX XXXX XXXX is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My Experian credit report shown my first 30-day late payment for XX/XX/XXXXThat would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my XXXX account would come off XXXX XXXX, XXXX. XXXX also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the XXXX account should already be removed. Accordingly, I will be satisfied with a XXXX XXXX removal date. The XXXX credit report has cut off the same six-years of payment history, and shows a beginning date of XXXX XXXX. The Experian credit report showing XXXX XXXX is acceptable, and I need verification from XXXX XXXX XXXX that the account information will be remove XXXX XXXX, XXXX.
Sometime around XX/XX/XXXX, I submitted an application for an Income Driven Repayment plan. On XX/XX/XXXX, I received email correspondence from Navient stating that my monthly payment was reduced to {$36.00}. On XX/XX/XXXX, I logged in to the Navient website to make this new lower payment but the website said that I owed {$310.00}. I called the customer service number and spoke with a representative. She looked at the letter I was sent and she let me know that the {$36.00} was only for 2 of my loans and that my monthly payment is truly over {$300.00} and that I should be receiving another letter about the repayment amount for my other loans. It has been nearly a month and Navient has not and probably would not have sent any other correspondence had I not called in to find out what is going. The representative I spoke with is sending it to me. Their repayment letters are extremely misleading and this needs to be corrected immediately. I have no problem paying my loans back, but I need true information when it comes to making my budget. Now i have to spend nearly {$300.00} more than what I budgeted for so that I do n't have a late payment on my account.
The accounts listed below are still reporting to EQUIFAX, XXXX, AND XXXX. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention
I hired a Attorney to defend me in a civil case. 
Attorney Charge {$3000.00} I pay {$1500.00} in one payment and {$100.00} dollar payment. I made 5 payment. I called the Attorney to find out who the case was going and he never provide me prove, nor case was file. Attorney told me my case never made it to court and I ask him for prove of his work, he refuse to provide prove. 
I told the attorney. No case to continued no more payments to his office. 2 year later I get calls from a collection agency that I had a Medical collection to pay. I get calls at home and recordings that I should make payments or they will take me to court. Recording disclose I should call investigator on this case, or I will be prosecuted. I called AARGON AGENCY time to find out is the collection agency making the calls. Collection agency is going after me for a medical collection.
I missed my monthly payment, manager XXXX started calling my phone twice a day, and my work number at least once a day, manager started texting my personal number demanding payment right away, on XXXX/XXXX/17 a lady ( XXXX XXXX ) came to my residence to try and collect. I told her to stop coming to my house, she told me that was her job. I tried to pay but this person had no receipts to issue if payment was made. right after, I talked to XXXX via phone and demanded for them to stop harassing me. he told me that if I missed more payments he had all the right to contact me any way he wanted. I told him that it was ridiculous to send a person to collect without a receipt book, and he told me it was more ridiculous to missed my payments. At this point It was obvious I was talking to a person with zero management skills and I decided to stop our conversation. I told XXXX XXXX to stop calling me, and texting me from now on. he said he would keep calling if I keep missing more payments. I feel harassed and threaten every day by this individuals and their abusive tactics. Please help.
: THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. 
. 
. XXXX XXXX and all accounts in bankruptcyMus be deleted no validation from the companies or from the Credit union
I saw several years back around  XXXX  that there was a new account on my credit report  from GE Capital / Lowes w ith a credit limit of {$20000.00} opened up and active. I contact the bank directly and told them that is was clearly fraud and to please close the account. They did and they have now sent it to a collection company named   XXXX   XXXX   which they have even said it was FRAUD and they sent it back to the bank ( SYNCHRONY BAN K / LOWES ) to clos e it out again! On  XXXX / XXXX / XXXX  Synchrony Bank /  Lowes r eopened the account and added it to my credit file again! They bank has several police reports to bad my story up but they just want listen to me. Now lm losing my house on Wed due to the fraud there commenting against me. Now i do n't qualify for my home loan and I 'm now losing my {$220000.00} down payment on my new house, All because of this!!!! Please help me.
I have received two voice messages on my cell phone and one voice message on work phone. Two of the messages stated they were from Weiss Arbitration and one from Weiss & Associates. The first message were received on   XXXX   XXXX  , 2017 at   XXXX   XXXX   and   XXXX   XXXX   PST. The first call was to my cell phone and the second on my work phone. The voice mail stated : XXXX ( my name ) " my name is   XXXX   XXXX   calling from Arbitration. My firm has retained a file formal complaint against your name and your social. We will be conducting and in depth investigation in your finances. In state law I am required to notify you 72 hours prior to this which starts right now. You need to be debriefed on all allegations inquired from you financial institute as well as place a statement on the record. I can be at my litigation 's department. My phone number is  XXXX  ext  XXXX . '' On   XXXX   XXXX  , 2017 at   XXXX   XXXX   PST the following message was left on my cell phone : " This message is for XXXX ( my name ). There has been a formal complaint filed with your financial institution. All assets and active accounts are scheduled to be closing within 72 hours. If you wish to protest this case you must contact the law offices of Weiss & Associates at telephone number  XXXX  or press one to be connected now. '' I called my financial institution on   XXXX   XXXX  , 2017 about the voice messages. The representative said that he did not see anything about my account closing and to report these calls to the " abuse '' department of bank. The bank was notified by email of these messages.
There has been no written contact from this " firm, '' and I do not know what this is regarding.
I was contacted by   XXXX   XXXX   and he said that it was regarding some company,   XXXX   XXXX  , and that they had sent a physical letter to my mailing address, as well as my email address. I told him I didnt know what he was talking about and asked him for his physical address. He refused to give me the address, said that they were going to finish this in court, and hung up. Upon minutes of hanging up, he contacted my sister in Texas. She didnt give him any information, she said that he shouldnt be asking for my information. He yelled at her and hung up. Later today, my sister, who lives in Utah, received a message saying that they would be freezing my assets in 72 hours.
This company contacted me and left a very threatening voicemail. Said company stated that if they were not contacted back would pursue legal action. Also did not state what it was regarding leaving an assumption that I have done something wrong. Contacted company back and the person on the phone threatened to sue me for a dead debt that is over XXXX XXXX XXXX. I stated multiple times that I do not agree to this debt and the company insisted that I had. Repeated over and over again. Then stated that since I agreed to the debt it starts over the statue of limitations for the next XXXX years. I know the law and this is not true and told the man this who became more irate and threatening to sue me. Continued until the company hung up on me.
To Whom This  May Concern ; Re : Santander I use to speak very highly of Santander but today is a different story. At one point Santander was  a company I respected and was very thankful for. Back in  XXXX  I was in financial trouble and my car was repossessed.  Santander assisted me every way to get my car back and I was able to within 2 months. Fast forward 4 years later, Santander is causing me big problems with repairing my credit and being able to purchase a home for my expanding family. A mistake I made 4 years ago that I have paid tremendously for is still being reported to the credit bureaus inaccurate and negatively. I have made multiple attempts to dispute the inaccurate information being reported by Santander. Santander  did report the repossession back in  XXXX  but every since then they have also reported this as "  Charge Off/ Write Off Bad Debt. '' I  have possession of this vehicle, an  XXXX   XXXX   XXXX . I receive monthly statements fr om Santander and I still make monthly payments to Santander. How could this be a charge off or write off? Usually those are sold to collection agencies, right? As stated before I have disputed this inaccuracy multiples times with all  XXXX  credit bureaus asking for it to be removed but each investigation has came back verified as accurate. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date of the first missed payment that led to charge off, collection, foreclosure or repossession. Reporting a more recent date of last delinquency would be in violation of this Act. This inaccurate reporting has caused an huge negative impact on my credit report and score. Every time I have contacted Santander  about the negative reporting I get no where. It 's been all about money for them and not the fairness to their customer.     Thank you
My mortgage servicing company has not released my mortgage with the county and it has been over the allowed time frame under ORC section 5301.36. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.
In short.. our mortgage carrier failed to pay a bill from our escrow account that was submitted to them via email, which can be proven. Subsequently they force placed insurance that was almost 4x normal rates, despite having coverage through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have only refunded a portion of the money and will not resolve the issue. We have been trying to get it fixed since XXXX. I have tracked our correspondence and we have at least XXXX phone calls and XXXX emails trying to fix the issue and they will not provide an answer/solution. They keep stalling and are going to raise our mortgage to " catch up '' on escrow despite the fact that they owe us a refund. They have since failed to pay the bill again to our insurance and our policy was cancelled, even thought they have all necessary information to pay the bill and the money is in escrow. My insurance provider has also saved records of correspondence and they just can not be trusted with this escrow account nor to pay the bills on time. Cancelled policies cost me more money out of pocket to reinstate them to the amount of XXXX XXXX I can provide copies of phone records and emails upon request. There are several and attaching so many may cause an issue.
IC System is reporting 1 debt as 4 separate accounts although it's 1 account from 1 physician for 1 patient. I contacted the company on XX/XX/2018 and was told instead of reporting the 1 account as a whole they broke up the charges into service dates and reported each date separately. I have a letter from IC System dated XX/XX/2018 which lists 1 total balance of {$1100.00} NO individual charges or service dates listed. 
On XX/XX/2018 IC Systems reported 4 separate accounts for {$500.00}, {$310.00}, {$210.00}, {$90.00}. This is deceptive and was done purposely to have the biggest negative impact on my credit score. There is 1 account and only 1 amount.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Ditech XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I never made a late payment on XXXX, I never paid a late fees. 
On XXXX XXXX the payment of my house went up. I sent my payment for {$1600.00} this payment was short for {$120.00}, instead for {$1800.00} I am requesting that the LATE PAYMENT be removed from XXXX and XXXX credit report. 
Enclosed is a copy of payment record from my bank, supporting my position. 
Please reinvestigate this matter and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Payment records from XXXX XXXX. 
My Payments Print Date Range Is XXXX XXXX, XXXX - XXXX XXXX, XXXX Change Total : {$28000.00} Send Paid to Amou On nt Status/ Paid Type Cate Conf. # from XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$120.00} Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX DITECH None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX DITECH XXXX XXXX DITECH XXXX XXXX XXXX DITECH XXXX {$1600.00} . Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX Z {$1500.00}. Complete XXXX XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX {$1500.00}. Canceled XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None