WillisBack/dataset-financial-user-claim huggingface dataset:
As per reviewing my credit report, I noticed numerous XXXX 5 XXXX Capital One Bank items for review. As I browsed through them, I noticed ( 1 ) report that is wrong and never existed. The account details show opened date XX/XX/XXXX closed date XX/XX/XXXX. As I further reviewed Capital One Bank items for review I noticed a total of ( 4 ) closed accounts which is also wrong. I then opened my online services on Capital One Bank to review my accounts with Capital One to make sure there are no errors on that as well. I noticed a card recently added to my account XXXX one I did not apply for XXXX ending in card # XXXX. I called Capital One Bank to go over these accounts today XX/XX/XXXX. They are unable to give me any information on the cards located on my credit report and told me to call the BBB if I need to. I mentioned the card I unauthorized on Capital One Bank online services, the customer representative began telling me they bought this card over from XXXX XXXX which I never had a HSBC credit card, nor have I ever applied for one ). She stated " this is not Capital Ones fault '' and that " I can dispute it with BBB '' once again and to hold for another service rep to further " assist '' me. I have had a total of ( 3 ) cards in lifetime with Capital One. ( 1 ) that I closed ending in XXXX because of an annual absurd fee ; ( 2 ) that remain open ending in XXXX and XXXX all with a zero balance. I have never authorized to open any other cards and neither do I have this problem with any other bank I have ever dealt with ( XXXX, XXXX XXXX, XXXX, XXXX, Etc ... I have other bank cards ) They are a fraud and my identity is being passed between banks and cards are being opened and closed without my consent or me actually applying for.
Attempted to validate the alledged debt on my Transunion credit report for XXXX XXXX acct # XXXX. Transunion failed to validate this account properly and remove it from my credit report. There are many inconsistency as you will find attached.

1. In the response from XXXX XXXX, they sent a copy of the application, as you can see the date of birth, social security number, and drivers license is all blurred out. How can Transunion say that they verified this information is mine, when the OC send over information that is missing/covered up.

2. On the application, it also says my current employer at that time was 'County ' ; I have NEVER worked for the county I live in or any county for that matter, and it shows current, past employers on my credit report.

3. They have on the application that my cell phone is XXXX and my work phone at that time is XXXX. I have NEVER had any of those numbers belonging to me, and NEVER have I worked for an employer with that phone number as well.

ALL OF THE INFORMATION ON THIS APPLICATION UNDER MY NAME IS INCORRECT AND DOES NOT BELONG TO ME.

Lastly, if you look on the summary of billing they provided me, the numbers do not match up either. All of the information is incorrect and it does not be long on my credit report.
I called Equifax twice and went through a long validation process to unfreeze my account. I also enrolled in XXXX XXXX that shows my account is still frozen. I am not able to apply for credit when it's still frozen against my wishes. This 2nd time I called equifax, I told them to unfreeze my account until XX/XX/2018 and it has not even been unfrozen. Please help.
I made an online {$290.00} purchase of a shower door at XXXX  using my Capital One XXXX XXXX Card.
Very soon thereafter I received a fraud protection email from Capital Once asking me to confirm that this was a legitimate purchase.
That same fraud protection email said " if your purchase funds were denied, please re-purchase '' 1st Capital One should know if they denied the payment. The fact they did n't know made me suspicious of the authenticity of their email, and 2nd and most importantly, I was not aware that my purchases can generally be denied merely because XXXX questions why I am buying a shower door from XXXX XXXX.
I have been a Capital One XXXX customer for at least 10 ( maybe 20 ) years.
I had previously faced some hard times financially, and was in dire need of a vehicle. I was forced to finance through Gateway Financial Solutions, as they were the only lender willing to work with me. Because this lender deals with high risk borrowers, my interest rate was less than appealing by a long shot, but I felt that this was the only option available to me. I have since made a large progress on my credit and financial status, and feel that I should be allowed to clear up the matter with this lender. I have asked to be provided a " buy out '' option, and have not been offered anything. I have always made my payments on time, and they are slowly bringing the principal balance down. But the bulk of the bi-weekly payments ( due to the high risk that I previously was XXXX primarily get applied to interest. I am requesting assistance with this matter because I feel that the lender is not providing ethical service to me, by not allowing me to avoid the large amount of interest that will accrue due to the remaining time of the loan. This is striking as a predatory lending scenario simply because they targeted a vulnerable customer, and are profiting on my misfortune. This type of business practice should not be allowed. The vehicle itself when I originally acquired it, was not in the best condition, and has since required several XXXX dollars worth of maintenance that I have had to borrow in order to cover. Again, this is a predatory lending practice. I was provided a sub par product, at an even more sub par price and repayment option. I was not educated on the product or option that was offered to me, only expected to accept it and move on.
I received an offer for a loan from bigpicture loan company. I applied and was approved for a {$800.00} loan in XXXX of 2017. I needed the money for XXXX shopping. I am not sure if the details of the loan, ( interest rates, monthly payments ) were on my application. After reading the fine print after I received the money, I discovered that I was paying 684 % interest and would pay back {$5100.00} on a {$800.00} loan to be paid in 22 monthly payments of {$190.00}. I am on ss XXXX and can not afford this. I truly believe the company took advantage of me in my time of need. I did make my first payment ( direct debit ).
I am writing to appeal a recent credit score deduction. On XXXX-XXXX-2018, I learned that my credit score decreased significantly by about 80 points. So I checked my credit report and discovered that I was overdue on a payment to 'Capitol One/credit card '' for {$100.00}, which I paid immediately on same day. I had not received any statements by mail as I usually do since XX/XX/2018 when I changed my account to a paperless and had not received any email notices either. For your reference, I have not moved nor experienced any issues with our mail delivery. 
I have been a loyal cardholder with Capitol One for many years and have never missed a payment. I hold nine other credit lines as well and all of the payments have been on time. At that time, I had a enough bank account balance to pay the payment. So I didn't have any reason not to pay the payment. In addition, I was paying the other card payments on time. I think you can make sure that the fact is correct from my credit report. 

So I sent a letter to Capital One asking that the mistake should be corrected, but they responded that they did the right action, and they sent a bill. Of course they did not mention about the e-mail notice or bill was not sent to me. 

I strongly appeal to correct this unreasonable treatment against the faithful customer. Please investigate this matter and correct this mistake as soon as possible. In addition, Kindly let me know how I can recover my prior credit score and if there is any other information I can provide to facilitate this process. 

Thank you for your assistance in advance.
Consumer Finance Complaint # XXXXXXXXPlease add additional information to complaint : The mortgage loan was transferred to Countrywide Home loan from the lender I tried several time to modify my loan because the interest rate adjusted out. I was given given incorrect information on how to submit the modification by customer service., Documents was faxed to Countrywide several times but they would statethey never received them. Several large mortgage payments was also made to Countrywide per their request. 
The loan was later transferred to Bank Of America and they were difficult to workwith on the modification request. I 'm aware Bank Of America entered into a Federal Consent Order, Justice Dept. because of the mishandling of mortgage modification requests. I am a victim of those unfair practices. I 'm still residing in the propertyand I want to keep my house.
I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, XXXX and Transunion to accurately reflect the account status o my Credit Reports!!!!
I noticed this account from Enhanced Recovery on my credit report and the original creditor is XXXX XXXX  for the amount of {$280.00} that they say it was opened on XX/XX/XXXX like it's a new account. This same account and creditor was disputed twice with two prior collection companies XXXX XXXX XXXX sent a removal letter datedXX/XX/XXXX which they removed from my credit reports and the other company XXXX  sent me a collection noticeXX/XX/XXXX and the dates did not add up so XXXX removed the account off of my credit report. Now Enhanced Recovery has purchased this account and added it to my credit report like it's a new debt which is not legal because one it has been discharged in my bankruptcy and I no longer owe anything on this account and it's not a new account. This is affecting my credit and I would like Enhanced Recovery to remove this off my credit report with all three credit bureaus
I believe that my PNC bank information was stolen by a criminal, and this person has stolen {$8400.00} from my account. The payment dates are all in the XXXX - XXXX range, which seems to come from the same person. This person stole my PNC bank information and setup auto-payment for his XXXX credit card account. I did a test using my wife 's XXXX account and found that it is indeed very easy to set up a credit card auto-payment using any checking bank account routing # and Account #. The XXXX online banking system does not ask any further information to protect the checking account owners money. I attached information on the 35 fraud transactions on my account as an XXXX file. 

I have requested PNC bank to investigate all 35 auto-pays coming from XXXX. I will also inform XXXX bank about this fraud. Since this is a criminal offence, I will report this to the Police.
There are four (4) separate credit reportings that were opened on XXXX XXXX, 2014 (3 yrs, 9 mos) by XXXX XXXX XXXX XXXX. This is a gross misrepresentation of services received and these debt are not mine. I never received an services at this facility or or by their corporation. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity.
Back in XX/XX/2018 i tried to resolve the issue with a XXXX   representative who Refused to give me a credit reversal to my store credit card at that time.his reason was Because the bank of mines returned the online transaction on the target card.being that There were no hand written check mailed to this company i felt that i deserve the right To Have my account credited of the monies they took or charge me at the time.XXXX i Did have a balance which was paid by me through the XXXX XXXX who denied the Transaction there was money in the account at that time.XXXX Representatives charge My credit card a total of XXXX which was paid on XXXX i Realized there was an error Made on my behalf of the wrong information issued and Like i did explain to the target Representative there was an error made.as a valued Customer and card holder i do Deserve the respect from the corporation and deserve The right to be refunded which i Wasn't granted that opportunity at that time. so Therefore i am asking that my account be Refunded due to the actions of these Prejudice issues at the time when being mistreated Differently from other customers or Cardholders clients dealing with the corporation i Deserve the righteous treatment Hopefully this can be resolved with out any further disputes.thank you sincerely.XXXX XXXX.
On XXXX XXXX Southwest Recovery Services sent me a letter responding to my dispute letter for the amount of XXXX dollars asking me to provide enough information about the debt they have reported on my credit and all the information I have is their name and address. If they are reporting debt on my credit how is that possible when they can not send me the account number to the debt they say I owe them.
Bank of America continues to charge overdraft fees to my checking account for charges that have not posted to my account, most recently on  X/X/17   . Only when I spend  30  minutes on the phone to point out to a customer service rep and supervisor this unfair practice will they correct it.
XXXX left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of XXXX 'XXXX negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.
OnXX/XX/2017 my government credit card was charged twice by XXXX XXXX for the same flight for {$560.00}. When I disputed this charge with my credit card they told me XXXX told them it was a proper charge even though I had a receipt that showed the errant charge. They cancelled my card and threatened to garnish my wages if the money wasn't paid but I again sent them proof that it was a double charge and that XXXX inappropriately charged my card twice for the same ticket. I finally got XXXX to admit the mistake and refund the money but Citibank decided to charge an extra {$80.00} fee to the card. They then received a letter saying my military retired pay was being garnished to pay back {$710.00} which just seems to be a made up number.
I NEVER lived in North Carolina. So how can l be charged for something l dont know about. 
Yes l had family there and still there.l just recently got an INCOME. I HAVE NOT DID ANYTHING TO OWN ANYONE. SOMEONE MUST HAVE USED MY NAME.I AM NOT RESPONSIBLE FOR THIS.
Capital One /Auto Finance continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
On XXXX XXXX of XXXX I cancelled phone service with XXXX after 10 years as they were very rude to my wife and I and very unresponsive to numerous issues over that last 12 month period of service. I had moved my primary phone to XXXX in XXXX of XXXX due to service issues, and left XXXX lines with XXXX hoping they would improve there service. We were on month to month service plan and there was not a fee for canceling or moving service to another carrier. We paid our final XXXX bill for service in XXXX of XXXX when it came in. 

Then XXXX charged a cancellation fee of {$350.00} but never sent a bill to me. I did not owe a cancellation fee since we were on month to month service agreement. I did not find out about this until XXXX XXXX, XXXX when I ran an Experian credit report. XXXX had turned the bill over to XXXX XXXX XXXX in XXXX of XXXX and they never sent me bill. I never received a bill regarding this from XXXX, and did not receive anything from XXXX XXXX XXXX until I called them and paid them in full on XXXX XXXX, XXXX after tracking down a phone number and verifying what it was about. XXXX sent me confirmation of payment in full on XXXX. I paid it to simply get it off my record. I did not owe it in the first place. XXXX Instead of trying to provide adequate service to a long term customer, came up with a cancellation fee that did not apply in my case. And damaged my credit thru XXXX of XXXX with a collection account from XXXX XXXX XXXX. 
XXXX has removed this from my file. I would like XXXX and Experian to remove XXXX XXXX XXXX from my credit file.
Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education Account, and they are not showing as current. I have been making  automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still show s as " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurt ing my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I h ave spoken with  XXXX   XXXX  and their answers a re : " Sorry, W e ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.
Equifax is reporting a debt for a company called XXXX XXXX XXXX in the amount of {$53.00} I have tried to resolve this issue by sending 2 letters. One in XX/XX/XXXX and in XX/XX/XXXX trying to get Equifax to validate the debt. I have never done business with this company. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for this debt.
I have a collection on my credit report being reported from portfolio recovery in which XXXX and XXXX has already deleted but transunion let 's it remains despite the fact that its a unverified account I have sent XXXX different letters to tranunion dispute department about this but its still remain
I opened an American Express account back in XXXX of XXXX. It 's a XXXX XXXX credit account and with that there was a promotion being offered to get XXXX bonus points on my XXXX XXXX membership after spending {$750.00} within 3 months. I called Amex and XXXX and neither are willing to rectify the situation and give me the points I rightfully deserve. I called both parties around midnight - XXXX on XXXX XXXX, XXXX. 

PS I spent way more than {$750.00} in 3 months! 

( I believe there was also a {$50.00} Statement credit at the time, but not sure on that. )
Navient has been an extremely difficult company to work with and I am not sure they are servicing my loans appropriately. They service my private student loans, which are under my grandmother 's name as she is listed as the borrower even though I am the student who needed the loans at the time in XXXX. This company has not been helpful to provide me with information that I need to service my loans. I had applied in XXXX of XXXX for a reduced rate payment program and it was to last for 6 months. At the end of the 6 month period, I did not receive a letter stating the program was ending and that I had the option to re-enroll. They also informed me in XXXX that I had been set up with pay ahead payments, which they did not clearly explain to me what that was. All I understood from that conversation was that I had been paying ahead on my loans, which I never gave permission for them to do nor did I receive any notification that my payments were on the advanced pay schedule. Prior to enrolling in the reduced rate program, Navient did not explain to me all my options for reducing my payments since they were extremely high for the last several years. It wasn't until I made continuous phone calls that they were able to explain this program to me. Also, since the loan is under my grandmother 's name, it is very difficult to find out information since I am not the main borrower, even though I have been the one making the payments since the start of my loan in XXXX. During that phone call in XX/XX/XXXX, an employee explained to me that I could fill out a power of attorney form so that I could make the decisions and receive all information for the loan. Again, this was never provided to me as an option throughout all my difficult phone calls over the years with Navient. Furthermore, their website is not user friendly and does not provide me with detailed information regarding the student loan. It's difficult to find out when the loan was even dispursed. All correspondence is only operated through their log-in session and only goes back to XX/XX/XXXX. If I need a document beyond that, I can't access it online and I'm not even sure if I could receive it if I called them.
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   to   XXXX   XXXX   60 days past due as of   XXXX   XXXX  ,  XXXX   XXXX  30 days past due as of   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I received a credit monitoring ale rt on  XXXX / XXXX /17 that an acco unt with Midwest Recovery Systems was added to my profile. I received no dunning letter from this company regarding the alleged debt. They gave me no opportunity to request debt validation as I have not had any sort of business relationship with this company.
XXXX is stating that I owe over {$600.00} dollars in debt to the XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX and they do not show a balance on my account. I do believe I paid them slightly past the due date but I did call and settle the bill with XXXX. XXXX is stating that I will still owe the money with them and it could affect my credit. If XXXX shows no balance than there is nothing to report on my credit and no reason that medicredit should still have reason to call my wife and I four times a day.
On XX/XX/XXXX, a check was mailed for {$55000.00} ( the full account balance ) from XXXX XXXX XXXX XXXX XXXX, IL. This check was cashed on XX/XX/XXXX, however was not credited to the account until XX/XX/XXXX. Due to the delay in processing the payment on Navient 's end, there was a {$260.00} late payment/additional interest on the account. This late payment should not have been added to the account as the check was received on time, but the delay was on Navient 's end while processing the check.
I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX  XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX  XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX   damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.