WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to file a complaint about Capital One. It is regarding my account numbers ending in XXXX, XXXX, and XXXX. 
I have been an account holder of theirs since 2000. I have never paid any of the accounts late. Recently, I noticed that they increased my rate on my account ending in # XXXX to 23.15 %. They have also increased the rate on my account ending in # XXXX to 18.15 %. Both of these accounts have had balances, and they have been steadily increasing the rates on these accounts. I believe they have been doing this in a predatory manner, primarily because the accounts have balances. In comparison, my account ending in # XXXX is not in use, although it is open, and my interest rate is 10.17 %. It is also important to note that my credit bureau is in good standing, and all of my other credit cards have rates of less than 15 %. When I called Capital One to complain, I spoke with a rep named XXXX. She gave a fairly lousy excuse for the rate increase, stating prime had gone up. But she offered to lower the rate to 20.15 % for 7 months. I is also important to note that the XXXX credit cards with balances have lower cash advance rates compared to purchase rates, which makes absolutely no sense ; cash advances are a higher risk than purchases due to the nature of the transaction. Simply put, I believe they are increasing the purchase rate on my credit cards because of running balances that are not always paid in full each month. In other words, they are preying on my ability on whether I can pay the accounts off.
I have been trying to reach Capital One regarding unauthorized charges and their status. 
I would like to get a refund check for the credit balance on the account and close my credit card account.
I have multiple inquiries on my report all dated XX/XX/XXXX, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.
On XX/XX/2013 I received a letter from Portfolio Recovery Associates stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/2013, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.
I used to live in XXXXXXXX untile XXXX 2016, I moved out to XXXX XXXX. I made payment of my utilities bill before I left. 
XXXX ( the gas company said they sent a bill for an outstanding balance. I never received that bill in my new address. Couple of month later I saw a XXXX balance from National Recovery Agency. XXXX sold the debt and refuse to negotiate with me despite multiple attempt to address the issue and pay any balance. the debt collector put it in my credit report and refuse to remove despite not having all the correct information from me
XXXXXXXX XXXX  client XXXX XXXX is a victim of ID theft. His information was used to apply for credit accounts without his permission. While accounts were not established the application process left fraudulent related inquiries on his credit reports. Kohl's/Cap One and XXXX are items that remain on a credit report as inquiries after having been verified as fraud related. These inquiries left on the reports are a violation of the FCRA and my clients consumer rights. A previous escalation of Kohl's/Cap One was made to the CFPB, a letter confirming the removal of the data was received however an Experian credit report obtained XX/XX/2018 still has Kohl's/Cap One listed in the hard inquiry section of the report.
A woman who calls herself XXXX keeps leaving voicemails on my work phone ( last XXXX digits # XXXX ) stating that she is from XXXX., LPA and attempting to collect a debt.
This is a follow up to case # XXXX. I was not able to respond to Hyundai 's " response '' prior to it being closed. I turned in my leased Hyundai on XX/XX/XXXX. In XX/XX/XXXX I received a bill from Hyundai for {$630.00}. I was aware of the {$400.00} disposition fee which was clearly disclosed in my signed lease agreement. I paid it on XX/XX/XXXX. I called and spoke with XXXX at Hyundai who informed me that the extra XXXX was for damages to the vehicle. I vehemently disagreed, there were NO damages to the vehicle ... NONE. He proceeded to tell me that they had photos to prove it, and described it as `` road rash '' on the right front bumper. I had at least one other conversation with people at Hyundai where they were very insistent that the fee was for these claimed damages. As a matter of principle, I chose to dispute this. Now, imagine my surprise when the in response to my last complaint, Hyundai themselves admit that the fee was NOT for damages ... .but rather for an early lease turn in. Make up your mind Hyundai!! I called XXXX XXXX several months prior to turning in the vehicle to find out about turning in early and was clearly told that I could turn the car back in as early as 120 days as long as all my payments were satisfied. I paid all of the contracted 36 payments on time, in fact ahead of time. No one at the dealership mentioned that I might be turning in early. So, Hyundai ( since they ca n't prove damages - because they were n't any ) now  conveniently has come up with another reason for this fee. In the meantime they have reported the {$230.00} as " late payments '' and essentially tanked my credit score. Case of big business harassing the little guy.
3 years ago I was placed in charged of my Grandfathers bank accounts. He passed away a year later and everything was placed into my name from Wells Fargo. They had his assets divided into XXXX accounts and told me it was best if I did the same and only withdrew from XXXX. I noticed that everytime I with drew ( even though I made it clear I wanted a cap on what could be pulled! ) they would charge me. They opened a credit card in my name that appeared in my account suddenly and began overdrafting me from that account. Even though I clearly had enough money in all my other accounts. When I asked why they stated it would help me build credit since I am a student, but i declined! 3 times ALL my account numbers have changed now. I do n't know about banking and admit I listened to their advice! They charge me sometimes from multiple accounts several days in a row for overdrafts that I asked to pull from an account that is positive. I only own XXXX card but have things pulling from XXXX accounts, plus I was told to stay in this XXXX Savings account but do n't know why and this high yield savings account also, but do n't know why! Plus I can not understand why they unatttached my regular bank account as my back up over draft account and made it into a credit card!! I am confused. 2 weeks ago a new card appeared and I am almost out of money!! I never asked for any cards and HAD plenty of money to cover myself before I ASKED Wells Fargo to help me.
There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}
Dear Sir/Madam : I am not certain if I am contacting the correct agency, but need assistance filing complaint against Wells Fargo regarding a mortgage. Shortly after hurricanes Katrina and Rita ( 2007 ) my mortgage was sold to Wells Fargo- which is to say it was the start of my problem. Although I have a fixed 30 year mortgage for the past 2-3 years my mortgage payment has varied with Wells Fargo. After numerous complaints, Wells Fargo stated the reason is that either : ( 1 ) my escrow was underpaid ( although I did not have an established Escrow account ) ( 2 ) Wells Fargo stating the bank is now paying my Real Estate taxes- which I previously paid on my own for the past 18 years, and still will pay on my own ; ( 3 ) Wells Fargo stating the fluctuating amount is due to upcoming taxes of less than {$520.00} ; however, Wells Fargo is erroneously collecting as of today 's date over {$1000.00}. For approximately the past twelve months Wells Fargo has added initially XXXX to my principal and interest, stating the bank is now paying my Real Estate taxes which amount annually to {$520.00}. within the past 12 months, my total payments consisted of {$800.00}, {$79000.00}, and now {$740.00} although the

principal and interest of this account is {$650.00}. I do have {$550.00} in unpaid late charges to which its my understanding that I can pay at the end of the term of the loan, but it's my belief, Wells Fargo is collecting the additional fees to collect the unpaid late charges in additional to an overage for unknown reason ( s ). After filing numerous complaints with Wells Fargo I am told its the bank rights to collect the upcoming taxes. although the amount exceeds my annual real estate taxes. and that Wells Fargo has the right to collect and apply the overage to my principal without my authority. At this point, my monthly mortgage has increased from {$650.00} to {$740.00}, but five months ago my monthly payments were {$790.00}. Any assistance or referral you can provide will be greatly appreciated.
I have sent Transunion, XXXX, XXXX multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent transunion ask them to investigate theses inquires and it seems to me like they just give me the runaround.
I took out a personal loan in the amount of {$300.00} in XX/XX/2017. I agreed to repay the loan {$130.00} per month for ( 3 ) months. The loan company was able to get the first payment, after which I was having difficulty with the credit union. ( The institution was honoring different companies requesting funds not entitled to the by what they called virtual signatures ), which caused me to become overdrawn. I advised them of the problem and the account was closed until this could be remedied. I agreed to pay the remaining balance of approximately {$260.00} in full once I received my tax refund or within 30-45 days. I had spoken to them a couple of times keeping them informed of the my most current status. In the meantime I get a letter in the mail requesting the entire amount was due payable. I had agreed to repay, but now they're asking for more than twice the amount agreed upon. ( {$660.00} ). I have tried to reason with this company to no avail. I already have problems with XXXX, I don't need any more negative reports. I just want to pay my correct balance and be done.
I purchased a set of Saladmaster cookware and used Preferred Credit, Inc. ( PCI ) for the financing. The promotional financing was 12 months same-as-cash. The contract says that I will not be charged interest on the balance until the 12 month period expires and the interest will only be applied to the unpaid balance. 

I received XXXX statements, XXXX in XXXX and XXXX in XXXX. My XXXX statements shows an interest charge of {$55.00}, which increased my overall balance. I contacted PCI and spoke to a supervisor named XXXX. I explained that I was not supposed to be charged interest and that I wanted the statement corrected. She said that even though I do n't have to pay the interest right now, PCI is required to show the interest that " would be due '' if I did n't pay before 12 months. They do not however, report the actual balance without the interest charge. I asked her if the balance that PCI reported to the credit bureaus included the interest charge and she said yes. I demanded that PCI stop reporting a debt amount that I did not actually owe and that PCI correct my statement to show the actual amount I owed under the 12 month same-as-cash agreement. The supervisor refused and said they were required " by law '' to report the balance that included the interest, even though I do n't owe that amount unless and until I do n't pay the balance within 12 months. 

PCI is falsely reporting my actual debt balance on my monthly statements by including the unearned interest. The statement does not reflect the actual balance, which does not include the interest. 

Additionally, PCI is falsely reporting the debt balance that includes the unearned interest to the credit bureaus, which makes it appear that my actual debt is greater than it currently is.
I am making a dispute against  Medical Data  systems in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request f or VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to m y credit reports (  XXXX ,  XXXX , and  XXXX   ). This action constitute fraud under both Federal and State Laws.
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I recently received a XXXX from Toyota. I am trying to figure out what this is in regards to. I spoke with my tax advisor and he said to call the number on the XXXX. I did this but the woman on the phone was not able to provide me too much information. She said this was for money I owed for a car I had owned. I was a little confused. I do not believe I had owed Toyota any money. I have had Toyotas in the past but i have had loans and paid them as agreed and paid them off. When I asked my tax advisor he said there would have to be some identifiable event that would have caused this XXXX to be issued. On the phone there is no explanation of the event but i was to the account was charged off XX/XX/XXXX But I havent dealt with Toyota in a few years since I paid off my XXXX. Could you please provide me with some additional information as I really dont understand this and it is causing me issues in filing my taxes with the IRS? I guess I need to understand what this is for, how much it is, ( the woman on the phone at Toyota had a different amount than what was on my XXXX ). Why am I receiving this now in XXXX? ( my tax advisor said there would be some required identifiable event, what event occurred? ) How have you come up with this balance? ( again the woman on the phone said I owed over {$7000.00} ). I have not received any notices about owing Toyota money. My credit report does not show me owing Toyota any money. This is quite confusing. The XXXX was mailed to an address I havent lived at in over 15 years. Can you please provide some additional information about this, it is currently causing me to have my tax returns on extension, delaying a large refund that I am entitled to. I am pretty upset to be honest as this does not seem to be a good way to conduct business, it is distressing that even on the XXXX paperwork I was given a phone number and the woman said she didnt have any information. Please respond in a timely manner as I need to file my taxes and figure this out.
inaccuret information not mine or no knowledge of please remove the items cra and hippa violation sent the po report from XXXX
I contacted XXXX  XXXX XXXX in XXXX, AK when I discovered I had an old cable account from 2008 which was sent to collection. I spoke with a " XXXX '' at Cornerstone regarding this old account, which does not report on my credit report. Asked the balance, amount and where I could make payments when I am ready. 
He called my work today at XXXX from an unknown number during my work business hours to ask if was still going to pay that account. 
I did NOT give him my work number as a contact number or permission to contact me here, EVER, nor did I tell them my employers information. 
They have my current mailing address, that is sufficient. 
This is a violation of the FDCPA!
I have permanently " opted out '' from unsolicited financial/credit marketing through all XXXX credit bureaus. 

However, I received the attached offer in the mail - which looks very much like a " check '' - and am concerned not only about the protection of my financial identity but also about others who may have also received this solicitation.
XXXX CFPB Ref No : XXXX -- -> Please Note : XXXX XXXX notified me in writing, dated XXXX, that account -- XXXX is not reported by them as it is not my account ( see attached ). -- - ( If they offered me a new {$5000.00} limit account in my name - I would ask how soon ). 
Equifax said " they are still working on it. ''
I n  XX/XX/XXXX  I go  t a call from IQ data collec ting a debt in the amount of  XXXX  dollars ; at the time I believed this to be the  XXXX  dollar bill which I paid from  XXXX   XXXX  for a move out charge which turned out to be on a different account. Then I discontinued contact with  IQ dat a. In   XX/XX/XXXX  we discovered that the amount IQ data was charging us for was another amount arbor terrace put  on our account as a damages and others fee ; we then went into     XXXX   XXXX   and resolved the debt, we were not given a receipt. Come   XX/XX/XXXX  I beg an trying to te ll IQ data that the deb t was resolved but they insisted on me sending proof, by  XX/XX/XXXX  I had for gotten that I did not get a receipt so I believed I h ad one.   By the time I had discovered that I had no receipt    XXXX   XXXX   had s witched management companies from    XXXX   XXXX  . N ow neither of them claim to have my receipts but they both do n't have any debt under my name either. So now the only people who are still trying to collect are t he debt collectors of  course who wont be satisfied unless I pay or cough up a receipt for a debt that no longer exists.
on X/XX/2017 I received a call from XXXX. The person identified himself as XXXX XXXX from XXXX XXXX XXXX. This company continually calls my place of employment, threatens me with being served, calling friends and family to track me down, etc. They contact my work number four to five times a day, sometimes 3-4 times a week. They leave nasty messages on my cell phone also threatening. They tell me that I committed fraud, punishable by law by being arrested and literally scare the XXXX out of me. I had to leave work one day because I was so panicked about being served and arrested at my work I had a major XXXX XXXX. I want these people to stop making these threats and apparently no one has been able to stop them. I did research through BBB and it says this company is closed, but I do not know where these people are located because they wo n't tell you. There were numerous requests for credit, 16, through XXXX XXXX on my credit report that I did not do and it took time to get them off which I save all of the letters, but I have a feeling this company was doing this but ca n't prove it. I need help!
Cell phone bill settled when phone was returned to XXXX office. Receipt was given to me account closed and Dlversified Consultants bought the account from XXXX since about 17 months ago. Finally XXXX removed it from their system but XXXX  did not. Want it resolved as soon as possible so that my credit report can be accurate. Disputed it with XXXX XXXX andXXXX foundXXXX it was unfounded. Need to have XXXX  to remove it as well
To Whom it May Concern, This letter is in response to your recent claim on regarding XXXX XXXX XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
I applied for Community Reinvestment loan with Suntrust Bank many times Loan Application - Reference # XXXX ... This bank never have given me a loan. I would not complain but Suntrust is always saying is willing to help the low income community.Poor, XXXX, but when comes to loaning funds out Suntrust has refuse many loans for the XXXX community. Suntrust XXXX. This banks needs to stop saying the are here to help the poor with CRA loan and not give this money back to the community they make money off of. 

Thanks XXXX XXXX XXXX
I have already disputed this debt direct with XXXX XXXX XXXX, for over 18 months on multiple occasions with several different debt collectors they have even collected {$1500.00} in good faith payments without validating the debt through one of 6 collection agency they have transferred the information to and each time I request validation I receive the same 3 forms with incomplete information from what was requested and when I respond that the information is insufficient to validate the debt, it gets transferred to another agency. 

Attached are only a few of the letters that I have submitted to different collection agencies employed by XXXX and at time it had been multiple agencies attempting to collect the exact same debt at the same time. I feel harassed and so does my alleged cosigner as he receives the same calls and letters, this needs to be removed from collections as they can not and have not proven that this is a valid debt that they own despite multiple attempts to validate and offers to settle this debt.
Hello, I hope everything is well with you. 

The first week of XX/XX/XXXX, I had gotten in touch with Fifth Third Bank, I updated with them my bank accounts to make payments and had set up the Automatic Payment option. 
After hanging up the call I never worried about the account again, assuming everything was in order. 

This XX/XX/XXXX I checked my credit scores and came to find out that I had 3 missed payments! I couldn't believe it, I thought everything was alright. 

I had never received an email, text message or even a statement in the mail letting me know that this account was defaulting.