WillisBack/dataset-financial-user-claim huggingface dataset:
The following is a copy of the letter of complaint I sent. Several follow-up calls and escalations rendered no solution. They claim they have no evidence of my having applied for the interest-free card offer ( for a term ), and therefore wo n't correct their mistake of sending me a card with interest. 

XXXX XXXX, 2016 To Accounts Supervisor, I am contacting you to rectify a situation. I recently opened a credit card with Capital One, due to the offer of added miles with a purchase of $ XXXX within a time frame, and no-interest payments for over a year. I charged $ XXXX to my new card on XXXX/XXXX/16, and received the first email copied below, dated XXXX. For some reason, the link to " make a payment '' was n't working, but I made my {$100.00} payment the following month. I had also called to ask for the specific date on which my no-interest period ends, but I was put on hold for a very long period, and no one came back to answer my question. I called back another day to inquire again, and was told that I have no offer for no-interest payments! 

This floored me, and I am very disturbed and distressed about this situation! I specifically signed up for the card, because of the no-interest offer for a period of time, and I knew I 'd need this, because I was intending to use it for the very large purchase that I 'd anticipated. It is unacceptable that my terms are now with interest charged! I was told that perhaps I had accidentally selected the wrong card offer, but I do n't see how I could have done this! I hope that this is just an error on the part of Capital One, and not a bait-and-switch scheme, which is what it feels like. Once again, it is unsatisfactory that I am now being charged interest on my purchase! I never would have gotten this card with interest, knowing that I was about to make a $ XXXX purchase! I am escalating this to you, because I need this situation rectified, to where I have no interest for the term. Thank you for your immediate assistance. 
Regards, XXXX XXXX - close of letter - P.S. On a recorded conversation, a rep looked up the offers about the time of my application, and found that the " XXXX XXXX '' card had the offer I wanted, but they sent me the '' XXXX '' card, which does n't have an interest-free offer. They made the mistake of sending the wrong card, but said they ca n't change the card now. I contend that it is their mistake ; they must be accountable and give me a card with no-interest payments for the same term.
As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my XXXX and XXXX reports  in mid-XX/XX/XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$340.00}. It is reporting under the company Convergent Outsourcing. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from both of my credit reports.
Looking to fix my credit to purchase property, I requested a validation of the account via mail 3 times. The only answer we received was a bill, with no break down or validation at all. 
No breakdown of fees or any other explanation. This account was unattractive for years, know the calls are extremely over the limit calling all day about every hour, and letters on the mail 2-3 every week. I have called the agency to request and offer a settlement. 
They refuse to offer anything and know, I am getting calls with treated to take legal action. 
This company fail 3 times to Validate the account credit agencies disclose that agency have show them prove and validate the account, but I do not get anything in paper. just the bill. 

In addition, now other company ERC collection agency is sending me a bill and calling and every time I ask to disclose the name or employee ID for my records. They refuse to gave name and they star with treated to take legal action. 

Note : If XXXX sold the account? I never give XXXX authorization to release my personal information like my home number.
I was not working when receiving a judgement from a credit agency, Weber & Olcese. They then sent a bank garnishment then failed to send the letter until I called and requested it. The balance was XXXX. They are now charging me XXXX I offered them XXXX, they will only take XXXX or will go after my bank and or wages. They wo n't let me pay small amounts or have a smaller settlement. Very rude, harsh, harassing and hard to deal with.
I tried to dispute this information on Experion 's website according to the procedure they themselves give you to follow, but - as usual - the site did not allow me access to their services.
On XXXX XXXX 2015 at XXXX pm I returned a phone call that I received from a company called XXXX, XXXX, XXXX, XXXX. I spoke briefly with representative ( XXXX XXXX ) who left a previous voicemail requesting that I call back the company. XXXX XXXX refused to provide my request to send out written documentation regarding the nature of this particular phone call. The address that she stated as being my residence was incorrect yet she refused to correct and update the information. She ultimately threaten me by stating that the sheriff would be coming to my job and serving me. She did not state an amount or why I would be served. She hung up the phone after making that statement. According to the pre-recorded disclaimer the phone call should of been recorded by the company. I need to know if this call was legitimate. I am really skeptical because this person was so evasive and ultimately became belligerent whenever I requested the information be documented and mailed to me.
I paid my mortgage in full on XX/XX/XXXX, I disputed to the credit bureaus that the delinquency, and past due balance should be updated to paid and no past due balance because this account was paid in full and I have my title. Vanderbilt Mortgage responded back to XXXX on XX/XX/XXXX that the account was not paid, and there was a past due balance which is incorrect, if this were true how did I receive my title to my mobile home? Vanderbilt reporting incorrect information has caused me to be turned down for credit such as a new home loan. They are reporting that I am 120 plus days past due
I have contacted the ( XXXX XXXX ) a few times this year and I asked them if it was possible if I can lower the APR on the loan they said my loan is at it lowest ( 9.99 % ) I have never been late and every time I check my account online they state that they can not touch my account do to the fact that I'm currently on Active status in the military I opened my loan for {$42000.00} and my loan total of payments {$98000.00}. I have no problem paying off the loan that I took out just not at 9.99 % I currently am a homeowner and my loan is under 5 % for my house I never been late on a payment and really don't think its fair that they say they can't help me because I'm MILITARY on XXXX XXXX!
My complaint is against VW Credit. I opened a loan at a VW dealer with them on XX/XX/XXXX. The dealer is another story which has to do with the finance department whose best practices are terrible. They did not even go over the paperwork with me which is why i got, excuse me, screwed. If you think that would be a good complaint, then please let me know. But for now, lets just take VW Credit. I worked in the computer banking service bureau environment for over 25 years starting in the late XX/XX/XXXX, so i know all about banking which includes credit bureau reporting. I worked with XXXX and XXXX in the dark ages and know how reporting is supposed to be done. The credit bureau reporting of VW Credit is horrible. It is not consistent ( monthly ) reporting and some fields are inaccurate and field accuracy is different between what they report to XXXX and XXXX. A big problem has been that they keep reporting my monthly payment wrong and also the date of last payment, and did i mention they have sporadic updates? yes i know i did. I have a very good credit rating ( high XXXX ) and have made a couple of bad financial decisions and under normal circumstances, i would not even report this, but these people need some talkin ' to about their procedures. Their monthly statements do not even have a stmt date on them! As for the monthly payment, originally it was {$320.00}, but when i decided they screwed me on the Extended Warranty and Gap insurance ( this was a 3 year lease that came back that i bought ), that was taken off and it went to {$270.00} and every since it has been reported wrong. It is all wrong and i have the copies of the credit reports to prove it. Like I said, this has been exasperating to me. I am at the point where they told me now I have to send them a letter to be sent to the upper management. A special letter. This was after XXXX or XXXX attempts to have them correct their procedures. I also must say that this has made me go to a credit union and I am in the process of taking the loan away from this probably by next week. I talked to a CFPB agent and she told me that would not matter. This is a HUGE lending company and they are so far out of compliance it is not funny. So I will follow what i am supposed to do next to provide the documentation. Thank you.
In 2013, PHH Mortgage no longer accepted the mortgage payments and failed to produce the originating documents. Due to this, the property is now in active foreclosure and I am not the debtor, the home belonged to my late mother whom willed me the property.
I had a timeshare over 10 years ago was paid off and I told them to keep the timeshare I do n't want it no more. I stop paying the maintenance fee each year. Timeshare said I was stuck with them for 30year which I was never advise about this or even sign any documents making me aware about a 30year. Anyway timeshare was paid off and I do n't want it at all. I have never use the timeshare which was a bad investment making me loose over {$10000.00}. Timeshare is with XXXX.
I noticed on my credit report that I had a collection added from the company NATIONWIDE RECOVERY SYS. I have never heard of this company nor has this company reached out to me or sent me any type of notification as to who they are or whom they represent. From further research I also noticed that the original company came from XXXX XXXX which made me even more confused considering I send them money every month and have yet to receive any type of updated bill or receipts in regards to the alleged amount owed.
I disputed all of my Inquiries on my credit reports fr om  XX/XX/XXXX  and  XX/XX/XXXX  and th ey did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them.     The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance  C. C. Employment D. D. Court O rder
I have a SPLIT FILE on my Equifax Credit Report. 

Equifax is REQUIRED to merge my Equifax Credit Report into XXXX Credit Report per FCRA
I disputed an inquiry that was falsely made by Capital One Auto Finance. This credit inquiry was made on XX/XX/XXXX and XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX this letter was returned, I think their address was changed or they relocated, I tried a 2nd time by resending the same letter I previously sent on XX/XX/XXXX, this letter was sent on XX/XX/XXXX which was received on XX/XX/XXXX, this company did not respond to my letter. I did not authorize anyone employed by Capital One Auto Finance to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Discover ran XXXX concurrent promotions in XX/XX/XXXX, including a Double Cashback Bonus Promotion ( wherein all cashback earned is doubled for 12 months after enrollment ) and an XXXX XXXX % Cashback Promotion ( wherein through XXXX XXXX, XXXX, you 'll earn an extra XXXX % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX ). I enrolled in both promotions with my XXXX Discover Card accounts ( XXXX ending in XXXX, another ending in XXXX ). To date, Discover has failed to pay {$1400.00} in cashback bonus that I earned during the promotion. 

Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made XXXX different XXXX purchases at XXXX and XXXX 's using my XXXX Discover Cards totaling {$7400.00} ( receipts attached in this complaint ). Discover sent me emails suggesting these purchases did not qualify for the promotion because they contained gift cards. As requested by Discover, I sent documentation on XXXX XXXX, XXXX proving the items I purchased are not gift cards. I 've repeatedly requested that Discover pay the cash back bonus on the {$7400.00} in XXXX purchases but they have been non-responsive ( this includes, but is not limited to : an email on XXXX XXXX, XXXX, a call placed on XXXX XXXX, XXXX where I spoke with XXXX in XXXX, a call placed on XXXX XXXX, XXXX where I spoke to XXXX in XXXX ). 

Discover will claim that these purchases contain " gift cards '' and therefore do not qualify. However, this is problematic for XXXX reasons : ( 1 ) Discover did not initially claim that certain purchases would be ineligible for the promotion, and ( 2 ) an examination of my receipts will show that I did not purchase products that are sold or marketed as gift cards. 

It is bad faith on Discover 's part to run these promotions and not honor them. As a result of the promotions, I made my XXXX Discover Cards my primary credit cards for my purchases ( winning my business from other financial institutions ), and referred friends and family to sign up for Discover 's credit cards ( winning new customers ). They earned my business and the business of friends and family as a direct result of these promotions. Their marketing efforts were successful, perhaps too successful, and that is why they are attempting to avoid paying out the cash back I earned on these purchases. They have failed to fully honor the promotions. 

I 'm requesting payment of {$1400.00} in cashback bonus for the receipts attached in the complaint. 

XXXX purchases that have not been paid cash back bonus ( including XXXX % for XXXX, and doubled, per the XXXX concurrent promotions ) : Location Amount Date XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$470.00} XXXX/XXXX/XXXX XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$1000.00} XXXX/XXXX/XXXX XXXX {$1400.00} XXXX/XXXX/XXXX XXXX {$1500.00} XXXX/XXXX/XXXX XXXX {$2000.00} XXXX/XXXX/XXXX
XX/XX/2018 at XXXX PST I received a call from Citibank calling regarding a XXXX  More Commercial account. The representative informed me this was an attempt to collect a debt and the call may be recorded. She asked me a series of questions which I provided answers. It was presumed that these were not the answers she was expecting and that's when the representative ( she ) became abusive until I had to disconnect the call. 

She said, I am required to ask you these questions and my response to her was, I answered your questions and right now this is causing me extreme anxiety. I am currently considered a XXXX person. Then she says, YEAH YOU ANSWERED THEM INDIRECTLY!!! I NEED DIRECT ANSWERS!!! This was all said in a demanding tone and she went on to threaten me with closing the account and a list of other things, I had to disconnect the call.
Payment made on XX/XX/XXXX on Chase credit card account in the amount of {$24000.00} was returned in XX/XX/XXXX Payment made on XX/XX/XXXX on Chase credit card account ending in XXXX in the amount of {$25000.00} was returned in XX/XX/XXXX. I am unclear how this is even possible when I have emails from the company I worked for authorizing the payments and they were clear for six months. The authorizing company essentially is stealing {$50000.00} from me and Chase Bank is helping them do it. 

I have emails and all documentation for everything. I am unclear why I keep getting the run around from the bank.
Dear CFPB, My name is XXXX XXXX XXXX I am the son of XXXX XXXX XXXX Deceased XXXX and XXXX XXXX XXXX deceased XXXX after my mother died in XXXX, I was getting letters from the Law Firm of XXXX and XXXX XXXX from XXXX, saying they were representing JP Morgan Chase Bank on about XXXX/XXXX/XXXX they filed foreclosure against me and I was illegally evicted and all my property was stolen and destroyed I am alledgeing that the note was paid off with a POD instrument that my dad had for me. They filed a foreclousure in XXXX XXXX Illinois case # is XXXX they had no standing to sue and then they illegally evicted me without a forcible and entry detainer lawsuit being filed. I know their was foul play going on. Can you please investigate for theft of my parents money and property and destruction of property XXXX XXXX XXXX I now live at XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX XXXX
I was shocked when I reviewed my credit report and found these late payments on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX ; XX/XX/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 graduated from underdrad and was only making {$14000.00} a year and could n't afford my payments. I went back and got my XXXX XXXX so I could make more money, only due to an ill child, I could not work or find work to accommodate my schedule with my child. I was told that I had to stay on forbearance and my interest kept building. I am now at over {$170000.00} in debt. I will never make that much. I 'm a social worker-not a doctor. My forbarrance is over and I 'm in a bind. I have asked about small payments-they want me to now pay {$1600.00} a month-I can not afford that-they are calling me day and night. I have an ill child and am caring for my XXXX old dad. They do n't care.
Still to this date this collection company on top of it its sleazy tactics has still failed to produce any proof that the debt mentioned And erroneously reported on my credit has anything to do with me and is not the result of ID theft. 

Despite its numerous calls to me and my numerous attempts to get them to answer that question they continue to affect my credit and my lifestyle with this derogatory reporting yet no one seems to listen to the law
I have accumulate points which I wanted to redeem ; the amount was the equivalent of {$100.00} (   XXXX   XXXX   dollars ) towards deposit to one of my accounts or an equivalent of {$50.00} towards a restaurant or gift card from   XXXX  . I was promised it would take less than a week. The first telephone contact was on or about   XXXX   XXXX  , 2017 ; I was told to call on   XXXX   XXXX   to confirm ; I called, I was told to call back on   XXXX   XXXX  , 2017. I have been calling, I am being promised but NOTHING IS HAPPENING, I BELIEVE I AM BEING LIED TO.
For XXXX Bank - I never entered into a payment arrangement with them. They are falsifying the date of last activity in order to prolong the time this item is on my report.
I did not solicit this company for their business XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
XXXX XXXX XXXX is telling me I owe them {$6500.00}. This is originally from a Capital One credit card. As Ive explained umpteen times to Capital One, the entire balance is made from fraudulent transactions. I was the victim of identity theft. I DO NOT OWE THIS MONEY. I am not giving them a XXXX!
On my credit report it is showing the same creditors listed 3 or 4 times on my credit score iv filed a complaint and it still remains
I have been a XXXX store card holder since XXXX. Recently they sent me an upgraded credit card ( American Express ), that I was supposed to call and opt out of by XXXX ( per customer service XX/XX/XXXX ). 

I was not able to cancel this upgrade when I talked to customer service. 

End result : I have a credit card I didnt apply for.
Just so happened to see this on my credit report. I sent a dispute letter and the company came back as it did n't have enough information to investigate. XXXX, They recieved my name, birthdate, so called origional creditor ... If these people can add this collection to the credit bureau, then they can find me in their system. If they " ca n't find me '' as they say, or fully validate any account, they have NO right to try to collect. It 's my right to request valadation or they must delete collection from report. Valadation includes any signed documentation that I have with them showing any connection between us.
XXXX credit informed that the hard inquiries created by fraud activity would be removed from my credit reports. XXXX still states that they have submitted the deletions to all XXXX major credit bureaus, yet the inquiries are still there.
For the past year I have been actively monitoring my account with a credit reporting agency, TransUnion. I have paid off debt, obtained credit, paid it off, and my score increased from the mid 500s to the high 600s in  the TransUnion credit reporting system. A week ago they reported my score at XXXX ( XX/XX/XXXX ) and now they have dropped my score to XXXX ( XX/XX/XXXX ). I am attaching Desktop pages from their web site. Nothing from a week ago has changed with my credit. I still have bank and brokerage deposit balances in the medium six figures, have not borrowed any money, I have the same job for over 20 years, and actually in XX/XX/XXXX my income increased by $ XXXX with my turning XXXX and receiving social security additionally. 

In addition, the top of the TransUnion web site Desktop for my account on XX/XX/XXXX reported XXXX and below on the Desktop it clearly says XXXX is my Credit Summary which matches the Score Trending graph. So there is a discrepancy within their own page reporting. 

I believe this is an arbitrary calculation and mishandling of the credit reporting mechanism that in my particular case is certain to affect my ability to make a move to a less expensive apartment next month, because my credit will be obtained by the landlord 's home owners ' association and it is likely I will be declined the ability to become a tenant.