WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One Bank blocks access to my account from financial apps and websites that I use to manage my finances and also does not allow me to connect my other bank accounts without using CapitalOne 's website.
I transferred $ XXXX, they charged me a 4 % transfer fee they have a fixed apr of XXXX per year, but they charge you a 3 % on your remaining balance every month. This is not a deal!!!! 
I thought I was just getting 5.99 % per year, NOT in addition they charge 3 % on $ XXXX or less each month that you have this card. 
FirstBank Credit Card
I have contacted this company on several occasions asking them could they verify the debt. They stated for me to contact verizon for the contract. I contacted XXXX and they told me contact the PINNACLE CREDIT SERVICES LLC. They are giving me the run around. And this debt is not mine. It was fraudulent and I have contacted them letting them know this!!! They are n't giving me any steps what to do next.
My mortgage was with XXXX XXXX. After signing, they notified me that they put the wrong insurance company on the paperwork and made me resign things. Then they sold it to Roundpoint XXXX. They immediately tried to raise my monthly payments because they said they had paperwork with the higher insurance price. I called XXXX and they supposively fixed it. 

Then in XXXXXXXX 2017, I get notification from Roundpoint that they were selling my mortgage. But after they decided to sell it, they did an escrow analysis and decided my payment should be increaed from {$1400.00} to {$1500.00}. When I contacted the new mortgage company, they told me that apparently Roundpoint was paying two different insurance companies ( incorrectly ) and that extra {$1200.00} was them mistakingly paying the new insurance. 

When they did their escrow analysis, they failed to notice they were paying two different insurance comanies. Instead they noticed a shortage for the year of {$1200.00} and decided that I should make it up PLUS increase my payment to cover it for the next year. So they raised my mortgage by {$200.00} knowing they were selling it and the new payment would be to the new company. 

However, because they sold it, they new company is unable to do an escrow analysis for 60 days and expected me to pay the extra money until they could. Thankfully, I asked my issue to be escalated and XXXX XXXX was willing to figure this all out.
*XX/XX/XXXX - Started XXXX XXXX job and XXXX was servicing my loans at the time *XX/XX/XXXX - Asked about student loan forgiveness and XXXX told me that because I was working at a XXXX XXXX   job that I could receive student loan forgiveness.

XX/XX/XXXX*I was told my a co-worker at my XXXX XXXX job that I needed to fill out some information regarding my XXXX XXXX  status *I contacted XXXX   and they agreed ( never told me to fill anything out in the past ).

*Information was filled out and submitted to XXXX showing backdating to my XX/XX/XXXX hire date that was verified by my employer *XXXX told me that I had to be on an income driven repayment plan for student loan forgiveness, which actually lowered my payment. They told me that because I was paying more than the amount at the reduced rate that all of my on-time payments in the past would qualify for student loan forgiveness XX/XX/XXXX*Received information that XXXX would now have to service my loans due to the Student Loan Forgiveness Status XX/XX/XXXX *Asked XXXX XXXX , why my qualifying payments only showed a few payments instead of all payments backdated to theXX/XX/XXXX ( when I started my XXXX XXXX job ).

*They told me that they would have to verify with XXXX that all payments were " close '' enough to the payment that I had with XXXX ( as well as verify that my payments were on-time ) to have all of my payments reflect my XX/XX/XXXX XXXX XXXX start date Numerous months during XX/XX/XXXX and XX/XX/XXXX *Asked XXXX about the status of the XXXX verification and nothing could ever be done, escalated to supervisors on more than one occasion via chat and phone call XX/XX/XXXX *Told by a XXXX representative that none of my payments from XXXX counted towards student loan forgiveness
I opened an account with XXXX XXXX IN 2013. The issuing bank was XXXX XXXX. Shortly after, the account was converted to a XXXX XXXX account. Apparently at some point the account was purchased by XXXX XXXX and converted to XXXX XXXX. I was not aware of this change until I received a bill stating I was past due. I immediately called asking what this card was and was informed of the change to XXXX XXXX XXXX. I explained that had I known the account changed and I owed the balance I would n't have defaulted. I paid the balance in full and was informed the account would be corrected to NEVER LATE and closed. The account should be reported as XXXX XXXX XXXX with a {$0.00} balance and never late. All information they have reported is incorrect and should be corrected and updated immediately.
I found some unauthorized inquiries on my credit report from Equifax, so I sent a multiple inquiry letter on XX/XX/XXXX by certified mail to the company. The letter explained that the following inquiries listed were not authorized by me and I wanted the company to investigate the situation and to delete those inquiries because they were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I received results from the company dated XX/XX/XXXX, stating that the inquiries are a factual record of file access and nothing was deleted from my file. A week is not long enough to do a proper investigation in this matter. According to the FCRA, as a consumer it is my right to have a proper investigation into any issue or inaccurate information contained in my credit file. I was unsatisfied with their actions, and I would like the above inquiries deleted to remedy the situation.
I graduated inXX/XX/2010 and have been repaying on this ( approximately {$50000.00} ) loan faithfully for over five years now. My balance is **still** {$47000.00}. This is criminal! These dirty student loans were deliberately designed never to be repaid. I am incredibly angry. How can this behavior be allowed to continue? Why is this not illegal? 

Total Payment Amount : {$18000.00} Applied to principal : {$3600.00} ( really?! ) Applied to interest : XXXX
I have made several attempts to resolve the issue with the XXXX XXXX XXXX XXXX and The Office of the Ohio Attorney General Collections Enforcement Section. I completed my degree from XXXX XXXX XXXX XXXX ( XX/XX/2003 ). I was enrolled at XXXX XXXX XXXX XXXX for one year after that date. After leaving the university, I completed the necessary paperwork to consolidate all my student loans with XXXX XXXX XXXX department. Several years passed, and I tried to obtain my official transcripts from the institution to obtain full time employment and complete my terminal degree. At this time, I was told that I owed a balance. I didn't receive any notice allowing me time to make payments on this loan. The financial aid department kept giving me the run around concerning this issue. They told me that they couldn't help me because they sent it to collections. I never received any correspondence stating that the loan wasn't included in the rest of my student loans. Additionally, I contacted the Ohio Attorney Collections Enforcement Section. I am also getting no resolution from them. They told me that the loan could be included in a consolidation with my other loans. This still hasn't occurred and I am still being blocked from receiving my official transcripts from XXXX XXXX  XXXX XXXX. This is causing on negative impact on my life. I can not obtain employment in my field. Additionally, I can not completed my XXXX degree because they will not release my official transcripts.
My information was mishandled by Equifax and opened up to theft, putting me and millions of other people at risk. I was identified as a potential breach victim when I checked in at their equifaxsecurity2017.com website. 

They did not notify anyone quickly enough, and have admitted that they will not notify everyone. 

In addition, when you sign up for " protection '' on the Equifax website they sneak in an anti-arbitration clause. 

I would like a resolution on this. Thank you.
Around XX/XX/2015, I notified XXXX XXXX XXXX that I was a member of the United States XXXX and I was being XXXX and could no longer pay on this very high interest car loan. On 10 occasions I called or emailed the company to try to figure out a alternative payment arrangement, the company never responded. I also requested relief using The Servicemembers Civil Relief Act ( SCRA ), the company never responded, which is a clear violation of the SCRA. I finally requested for the car to be picked up voluntarily.
I have been a member of XXXX XXXX XXXX for many years. Last year they offered me a credit card and I agreed. Months later I came across a bill from XXXX XXXX. I didn't even know who XXXX XXXX was. But here was a Bill for almost {$100.00}. I called them to find out why they were charging me. 

Their rep explained to me that a charge of {$40.00} was for my yearly membership at XXXX XXXX. It was taken out automatically when due. I certainly was not aware of this. They have always told me at checkout that my yearly membership was due and I would include the fee with my purchase. 

I now understood what happened but was very angry. I had a very good credit rating and received many offers for additional credit cards. So, certainly I could have received their bill and not knowing what it was, just another offer for credit, and just discarded it like all the rest. 

There was No XXXX XXXX markings. There was nothing to distinguish this as a bill. I was not expecting a bill. I explained all this to the bank rep. I was speaking to and told her that I was going to send her the {$40.00}, but she should immediately close this account. 

I immediately did pay the {$40.00} which they charged my card but they kept sending me additional bills. I went to XXXX XXXX  and explained all this to the service person there and once again instructed her to close this credit card account. She called XXXX while I waited with instructions to close this account. They continue to send me bills. 

A short while ago I received an email from XXXX. I replied to the email that as I stated previously, my wishes were to close that account immediately. 

Now, most recently, my regular bank, XXXX  XXXX XXXX which I have been with for as long as they have been in XXXX, CT and the people at that location before them. They have now just informed me that one of my cards from them, ( I have three ) they were reducing the Limit from {$1000.00} to {$500.00}. 

Now I notice my other cards have increased rates. Which they explained that my credit rating has changed and they, in essence, had to adjust because of my activity with " Their Affiliate '' Bank. I am XXXX years old and now I am awake nights thinking about this abuse. 
Having greedy banks prey on Senior Citizens is not my favorite subject. 

If not corrected very soon, I shall have no choice other than to bring a law suit. Not only against XXXX, but also against XXXX XXXX XXXX for establishing a Monopoly where this is illegal. These people have now abused the law and violated my Civil Rights. 

Thank You for Listening. Respectfully Yours, XXXX XXXX XXXX.
I called kohls summer of 2017 to report that a new kohls card was opened and maxed out in my name. I found out about this from pulling my credit report. The amount was {$580.00}. I IMMEDIATELY Closed the account and asked for VALIDATION ( a contract or lease with my signature on it ) I was assured that this account would be handled. They apologized and said they would delete it. I have now received my report for this year and ITS STILL THERE. I'm appalled this company would take advantage of me. I'm in the military and gone often. I take people by their word. If this company does not want to delete, then I request validation again. ( not verification ). I want to see where I signed up for this card. I want to see MY signutre.
I.Q. IS IS IGNORING THE THE CEASE AND DESIST ORDER IN VIOLATION OF FDCPA.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security number, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
The auto loan was charged off in XX/XX/XXXX. They then sold the debt to a collection company and that company is still reporting the balance as a 30 day term account instead of a collection account. Due to them reporting the account that way the account will never be removed from credit report. I disputed and got no where. I then contacted the company directly and was told if I settled the debt with them that they would remove from my credit report. This will have been reported on my credit report for 7 years since last activity on XX/XX/XXXX which, if I am not mistaken, means it should be removed under the FCRA. I find this very disturbing and unsettling. The name of the company is XXXX XXXX XXXX  XXXX. The original debt was to XXXX XXXX XXXX XXXX.
I disputed items on my credit on XXXX/XXXX/16 directly with TransUnion stating information was incorrect. There investigation came back that everything was verified and correct. I stated that the accounts were not mine, as I knew because the balances reflecting on my credit bureau were incorrect. TransUnion instructed me to reach out directly to creditors and file a complaint with CFPB, which I did. I have attached documentation. 

XXXX XXXX came back indicating a completely different balance than the credit report agency is showing, which supports my claim that this account on my credit report is not mine and needs to be deleted. .The account TransUnion is reporting as mine has a balance of {$11000.00}. The account XXXX XXXX has for me has a balance of {$15.00}. I submitted all this documentation over to TransUnion, to notify them I had documented proof that the account that they were reporting was not mine. Their solution was to contact XXXX XXXX and update information. 

TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) which is designed to protect the privacy of consumer report information and to guarantee that information supplied by consumer reporting agencies ( CRAs ) is as accurate as possible. I had furnished proof that the information Transunion is reporting is in accurate and they refuse to delete it. Which is a violation carries a fine up to {$3500.00} per the information I found on FTC website. 

I have attached over all the documentation I have sent to TransUnion. This situation is causing a lot of undue stress and financial hardship. XXXX XXXX sent over a letter providing me the account balance information, which does n't match anything the credit bureau is reporting. I have attached my TransUnion credit report from XXXX XXXX, so that you can see the incorrect XXXX Account that TransUnion refuses to delete.
Actually this is more info on Case number : XXXX. I do not see a way to give more information. I received a document in the mail. When I spoke with XXXX several weeks ago, he mentioned the net Principle Limit could be accessed and used. After doing my own research previously and making previous calls to Financial Freedom/One West, I doubted this was true, so I decided to test it. I tried to withdraw {$1000.00}. If he was correct, I would just withdraw the money I did n't know was mine for the asking, and pay the commission and closing fees. But, I was correct and XXXX was not. In the mail I received documents requiring my signature to adjust my mortgage so I could get my {$1000.00} check and then only receive approx {$300.00} per month, which would then not cover my living expenses on the home should it a ) not sell or b ) HUD does not approve the short sale. So, I did not sign the papers and again, I am right back where I started. I do n't have money for the commission and legal fees to sell the home and FF/One West is still pushing foreclosure and deed-in-lieu since they will not help with the closing costs. Again, this would have only cost them $ 5K last year if I sold to the first buyer ( RE commission and legal fees ), and now they have paid me {$7500.00}, which means they could have saved {$2500.00}. How could the US bail out banks when this is what they do to elderly homeowners?
I opened credit cards as XXXX year old about 2 1/2 years ago to try to establish credit for myself. I used them a few times and was making on time payment every month without enough knowledge of interest rate. I lost my job and at this time credit cacrdbalance was paid off, I asked credit card company to close cards before next payment was due because i was not in the position to pay. I did not keep up with this request or double check if this was done. Due to this, the credit cards are still open and now have a lot of interest rate charges as well as late payment charges. I am in no position rightnow to pay any of the money back and would really like have a dispute filed so my credit does not get ruined and debt does not keep piling up. Please help dispute.
Access to Citibank 's website has been denied " temporarily '' for at least the entire month of XXXX with no suitable explanation or time estimate for remedy from customer service. This raises concerns of electronic compromise, but has gotten no traction anywhere that I find in news reporting.
I wrote a letter to them informing to only contact me by email. They have repeatedly called my cell phone and they have also called my work phone repeatedly.
Hunter Warfield collection.

Called XX/XX/XXXX Called XX/XX/XXXX - hung up on - Hung up on by XXXX, supervisor - Refused to validate debt. Said it would be pointless that it would come back as validated no matter what.

- Did not have contact information, correct amount or address.

- Threatened to send collection to credit report to hurt my credit score.

- Had to leave message as hung up on and would not take my call nor answer my call back. Demanded no contact, written notification of debt and written validation of debt within 30 days.

XX/XX/XXXXcalled corporate and was told be XXXX, HR to file a lawsuit and wouldnt transfer me.

-Called attorney and he said I dont know what you want me to do.

- said you got out 7 months early so four months is a deal and I need to pay the money regardless even though I legally followed steps to break the lease when I bought a home and moved out.

XX/XX/XXXX- hit my credit report and I filed a dispute with XXXX  .

- never received written notice of debt.

- never received written validation of debt.

- hunter warfield refused to call me back nor answer my phone calls.
I have a personal loan through Discover Card. No early pay off fees, no penalties. 
My payments are due on the XXXX or XXXX of each month but i can go in and change the dates as i see fit. I '' m current and never missed a payment so i have this opportunity. 

On XX/XX/XXXX, i went in and said to make my payment of {$650.00} per month on that date. I received an confirmation for this and said that funds would be withdrawn on that date. Today is XX/XX/18 and they were JUST removed from my account. 

XX/XX/2018 {$650.00} XXXX XXXX XXXX Pending This is the 3rd time this has happened and they 'say ' that it was corrected the first two times. However, when i brought it to their attention this time, no change. So i am paying interest from XXXX instead of XXXX. This might not seem like a big deal but my loan is at 19 % interest and it's for XXXX. PLUS, it's not right that they don't process the payments on time and when requested!
Debt is in the amount of {$960.00} an was Disputed with all  XXXX  credit Bureau's..
Collection account dates back dated to XXXX for XXXX CC that was paid. Complaint # XXXX. Amount XXXX times what XXXX reporting. I do not owe this money. Filed dispute with Midland asking for verification of debt and statement was put on my credit report meets FCRA. Status of investigation findings never sent to me. Proof that I owe never sent to me.
Upon reviewing my recent credit report, I noticed that I had a collection account outstanding with XXXX XXXX and XXXX XXXX, both for {$490.00}. I 've contacted both company 's on 2 separate occasions trying to verify the accuracy of the information provided by them as being owed by me. XXXX XXXX responded by saying that the debt was sold to XXXX XXXX. I 've since sent a letter to XXXX XXXX asking them to remove the debt as they were unable to verify the account as being owned by me as well as it being sold to XXXX XXXX. No action has been taken by XXXX XXXX to resolve the issue. XXXX XXXX has also failed to provide proof to validate the account as being owned by me in accordance with the FCRA. The first goodwill letter was sent out and received by XXXX XXXX on XXXX XXXX, XXXX, the second was sent out and received XXXX XXXX, XXXX. XXXX XXXX has provided me with account statements from the original creditor, XXXX XXXX  stating that the accounts are mine however no such document bares my signature.
When I got a new home phone number the call started.they are looking for the former owner of the phone number.I explained this to them a number of times, but it has not stopped.in fact they have increased.
I have been disputing specifics on my credit report for months now and they keeps sending the same generic letters back - As a consumer I am entitled to proof of how the specific account was verified and who was spoken to and the documents sent to me directly.
I was contacted by Optimum Outcomes almost twice daily beginning XXXX 2018 in response to a medical debt. The representative threateningly expressed that if the collection amount of {$2800.00} was not paid, my credit file would be effected. The representative was rude and forceful. 

I was also contacted by XXXX XXXX XXXX XXXX in response to a medical debt. Their address is : XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX Again, this representative threateningly expressed that if the collection amount of {$2800.00} was not paid, my credit file would be effected.