WillisBack/dataset-financial-user-claim huggingface dataset:
Every time I add a new person to online bill pay and send that new person a payment through online bill pay, CaptialOne360 locks my account until I call them on the phone. To call them on the phone, I have to wait on hold for more than an hour ( when this happened yesterday, I had to wait 1 hour and 11 minutes ). The effect is that, without warning, the bank unilaterally locks me out of account access, cutting off all access to my money, unless I wait hours on the phone. They also sent me a misleading and coercive email in which they threatened to close my account unless I called them. On the phone, when I asked them about their threatening to close the account, CapitaOne360 SAID AND FULLY ADMITTED THAT THEY DO NOT ACTUALLY CLOSE ACCOUNTS AND THAT THE EMAIL PURPOSEFULLY THREATENS TO CLOSE CUSTOMER ACCOUNTS IN ORDER TO COERCE CUSTOMERS TO CALL and waste hours of their time if a customer wants to get access back to the customer 's money, even though the bank will never actually close an account.
M & T Bank has repeatedly refused to modernize their online banking security. This leaves their consumer vulnerable to breaches that could occur even if the customer themselves is very careful with their security. In particular their site violates the latest FFIEC Guidance on cybersecurity found here : XXXX.pdf In particular, as laid out in the Information Security Booklet the FFIEC provides XXXX They are in violation of procedure # XXXX on page XXXX : Confidentiality of passwords and shared secrets ( whether only known to the employee/customer ). 
The shared secrets they use are commonly found on social media sites, these questions ( mother 's maiden name, city of birth, school mascot etc, ) are widely known. 

M & T Bank also violates procedure # XXXX Determine whether all authenticators ( e.g., passwords, shared secrets ) are protected while in storage and during transmission to prevent disclosure. 

M & T Bank allows internet browsers to store password and user information, and does not have password entry on a separate page. They do not offer XXXX factor authentication, nor do they have image verification.
I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
PHOENIX FINANCIAL SE is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX
I called XXXX Bank to remove as an authorizied user thats effecting my credit for XXXX dollars of over utilization .Please have them take off this account thats dragging down my credit score only this XXXX account.
I started paying back my student loans sometime last year and I was eligible for forgiveness on the loan but was not informed from the company my loan is through ( Nelnet ). A different company contacted me and told me I was eligible and told me that nelnet should have contacted me about the forgiveness. They told me I could file against them
I did get a loan with the  XXXX  which was turned over to Treasury. Treasury seems to think I have money. I think what is more true is that if you are without money you get hassled more. Look a t Donald Trump. He h as managed to not pay anything for a long time.     I have attempted to resolve this issue with the Treasury department. I submitted an offer of settlement  to ConServer. I  have asked Conserve to provide me the correct document would be a current loan statement which verifies the account number, the account balance, the current amount due, and will verify if there are any past due payments pending. ConServe failed to forward on any information, including taking payments. ConServe negatively reported me to  XXXX .     Because of this negative reporting I ca n't get a student loan. Ha more debt.
Was contacted by the XXXX XXXX or what we thought was Ocwen. We were instructed to send XXXX XXXX XXXX  for our modified payments. We were obviously frauded, now a Ocwen wants {$3000.00} before XX/XX/XXXX or foreclosure.
My issue is related to an XXXX XXXX Business Credit Card. I have been enrolled in a credit monitoring service for years. I never received any notification of a credit application, or an account in my credit report, nor did I ever receive a card, bill, or notice. Out of nowhere, I get dinged by XXXX and my credit score drops 160 points for a credit card default of {$15000.00}. I call XXXX and they will not provide me with any statements, any mailing address/email address information on the account, or if any payments had ever been made and by whom they were made. They tell me that I am personally liable for this debt. They also told me that XXXX Business Credit does NOT report to any credit agency UNTIL an account is in default. In this day and age, how is this possible? There needs to be some regulation that any credit account ( personal or BUSINESS ) that requires the credit bureaus be notified of an application AND the account posted to the " guarantors '' credit report. XXXX is NEGLIGENT in this matter. They need to remove this debt from my credit report, and my credit score needs to be reset to it's prior value immediately.
Conn 's credit corp r eported my account as 30 days past due for  XXXX /2015 and I have never been late on my account. I even have pay statement from my chase bank where they debited my account for the amount owed. I have tried several times to have the issue resolved with them, but to no avail and it is been reported on my credit as late for 30 days.
I discontinued service with XXXX and they pressured me into holding onto their equipment for no-charge. I told them I 'd consider service again at some point, but I was already under contract with XXXX. They called me constantly about their " deals ''. I repeated numerous times that I would consider their service again once I was out of contract with XXXX and they stated they would n't charge me anything for the equipment. I told them I would immediately send the equipment back if I would be charged any kind of fees. This went on for months without a problem. They assured me that I would n't be charged. Then I started getting miniature charges of {$6.00} here or there. I told them I would send the equipment back and they kept billing me for " maintenance '' fees on the account even though I was no longer under contract for TV service. Apparently there 's a debt of {$21.00} for needing to " service '' my account even though I did n't have TV service with them anymore. I owe them nothing, but they have turned it over to a collection agency called Stellar Recovery Inc .
I am writing now in hopes to obtain your help. At the present time I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am inquiring about the account number referenced in this complaint. 

I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2018 and I am writing this to have this remark retracted. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
I have a medical collection which is being reported by XXXX different collection agencies however for the same original creditor. XXXX XXXX XXXX is the original creditor that turned over a debt in the amount of {$550.00} to both Syndicated Office Systems and Central Finance Control. These XXXX collection agencies are parent companies demanding that I pay the collection. It makes no sense to pay a collection account XXXX and it is difficult to determine who has legal ownership of the debt, or which debt collector had it first especially when XXXX claim to have acquired the debt on the SAME DATE. 

Syndicated Office Systems is reporting on my XXXX only, while Central Finance Control has reported the debt on both my XXXX and XXXX. According to recent actions ( XXXX/XXXX/2015 ) taken against Syndicated Office Systems by the CFPB, these types of collection tactics are unethical and illegal. 

Over the past XXXX months, I have hired two different companies in an attempt to validate the debt. However neither Syndicated Office Systems nor Central Finance Control responded within the XXXX time frame as required by federal law ( see attached ) and when they did respond, each claimed to legally own the debt.
On XXXX XXXX, my debit card and pin was compromised and I had {$300.00} withdrawn from my account without my knowledge and I was also charged {$170.00} in overdraft fees ( {$35.00} x 5 over the course of 24 hours ). I have reason to believe that it was compromised at a TD Bank ATM. On XXXX XXXX, money was taken out from a TD Bank location in XXXX less than an hour after I made a withdraw in XXXX. TD had flagged the account for fraud activity but never contacted me in any way. The card used also did not have a security chip while the XXXX issues to me did. After a 2 week investigation, TD Bank refunded the {$300.00} that was withdrawn and {$70.00} in overdraft fees. But because they had posted the overdraft fees before the fraud transactions, they are giving me a hard time returning the other {$100.00} that they charged me for this fraud transaction. They have promised me to return the money the following day twice but I have yet to receive any kind of credit for it. They are holding my money hostage, but still charging me monthly fees all because of their practice of placing some transactions before others rather than in the order in which they occurred in order to charge overdraft fees and collect money. This has been a nightmare and I am forced to be on hold for XXXX60 min anytime I call customer service. I even went to the branch manager and he brushed me off and told me I would have it tomorrow but nothing ever came. TD Bank should be barred from pursuing this practice against consumers! Transactions should be placed in the correct order that they were made, not how TD feels whats best for them. As of now, I was charged {$100.00} in overdraft fees on an account that had over {$100.00}.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American Frist of a  fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX and XXXX XX/XX/XXXX which was not authorized. A formal dispute of this was first provided XX/XX/XXXX and again XX/XX/XXXX both were received as confirmed by the return receipt. A credit report current as of XX/XX/XXXX still has this inquiry listed. This is a violation of my clients federal consumer rights and a violation of the FCRA.
Although there is no balance, Credence clients report past due amounts for collection. 
On XX/XX/2018, I received a Demand Letter for payment for a company that I do not owe anything to. They should check with Creditor for accurate reporting before they attempt collections. I am really exhausted with responses to this company sending Demand Letters for accounts that were paid and/or did not have a balance. I DO NOT OWE ANY MONEY TO XXXX AT ALL. I am requested make a payment for an amount but XXXX has called me several times to return and I did not have a balance.
Received bill for around {$180.00} and XXXX charges for a total of {$45.00}. Paid {$180.00} my XXXX deductible by check.. I would have paid {$45.00} but I have medicare and a rap around insurance and should not have to pay because my coverage. ( I really do not believe they applied to my insurance ). Also the XXXX entries {$45.00} were ( patient not known ) beside each. When I was speaking to rep from billing dept. she told me not to pay that, because I asked her about it. The calls every week ( I even called and them and said I would be glad to pay but thats why I have extra insurance for ) and I over and over explained to each person that I had insurance and they reluctantly took the info down ) .Each time the rep acted as if it was the first time they heard about it. I have had this problem with medical service. I give my medicare info and rap around insurance, then low and behold they do not file with my insurance. I guess too much trouble. Now the BURAEU OF MEDICAL ECONOMICS IS A CALLING. I must say I pay all my bills, and never refuse what I owe. Repeatedly I have talked to persistent reps and they say ok and -keep calling. By the way the next billings were changed to {$45.00} XXXX with no patient not known entry ), Funny thing a day ago I got another bill from the hospital for the original {$45.00} and an additional charge for {$12.00} for a visit to the facility. Now if I know they did not bill my insurance. HELP!!! I must tell you, I love my doctors and my hospital and I would never try and escape from paying I never will and I never have. *note : I checked the debt is not mine but is is mine.
A debt for {$140.00}, paid 2 months ago, continues to be reported to the credit bureau agencies. This debt is currectly showing as open and unpaid on my credit bureau report. This is negatively affecting my credit scores and ability to borrow. This is the only negative item on my bureau report. The debt is being reported by AMERICAN MEDICAL COLL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX. This is a collections agency collecting for XXXX, original creditor. The debt was paid to XXXX on XXXX XXXX, 2015 via credit card with a record of the payment available. The debt and collections account continues to show as open on my credit bureau report as recent as XXXX XXXX, 2015. I have contacted the original creditor and the collections agency multiple times to have the debt cleared from my credit bureau. I have a letter from XXXX showing the debt has been paid. This letter was forwarded to the collector by me yet the debt remains on my credit bureau. The collections agency has not removed this paid debt from my credit bureau and has taken no action to resolve this issue after multiple contacts.
I have been trying to work with santander consumer USA for months about trying to pay off this account for months. First, this company repossessed my car after making arrangements and after coming up the the amount requested. Then they refused to tell me where the car was so i can get my things. Important documents in the car were thrown away and other items were trashed. I received a letter on XX/XX//2018,  asking me to settle for the amount of XXXX. I called santander and told them when i get a tax refund i will pay them. I had traveled out of the country in XXXX and was gone for two weeks. I called them again and asked to pay off the XXXX, when i received my tax refunds, they told me I had missed the dead line and increased it to over 3000. I am not working, I am going through a hardship and barely making ends meet. I even offered to start paying a bit monthly and pay it off in a lump-some when I receive my income taxes and they refused again to work with me. Am very frustrated and tired of trying to work it out with this company. They should be penalized for how they treat consumers. Certain laws are made to protect people like me from companies like this. I have tried time and time again to work with them. They send me an offer letter and will not follow through with accepting the offer.
I submitted a dispute  to have a Public Record  removed from my Transunion and   XXXX   credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied, but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score  and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.
I am an XXXX. A client XXXX. For some reason, the client 's XXXX account was put in my personal name. It was n't done by me. It was done by a family member of the XXXX. It is not my account, and never was. I have told them this multiple times. 

I told both XXXX and now the collection firm. I properly disputed the debt, but they keep sending me collection notices.
Hello Capital One file charge against me in court of law We did go to court which judge dismissed case to my advantage, non - suit can be file against me, so I called capital One to Take it off om credit unless i provide police report dentity theft i did send it to them nothing happen, I called Capital and spoke to XXXX his ID # XXXX he said he will have fraud dept to call me nothing happened Please Help Me In this matter Thank You XXXX XXXX
On my Transunion credit report, there are XXXX adverse accounts According to this report : XXXX. Both balances are over {$600.00} as of XXXX, XXXX. 
Date opened XXXX/XXXX/XXXX. Revolving account. 
This account is unfamiliar to me. I have never even used a XXXX XXXX card. I have tried to find information on the details of the transactions on this card, with no success. I will pay the balance on this card if it can shown to me that I used it. To my current knowledge, this card was never used by me. I 'm upset by this. My credit score has suffered greatly due to this matter. 
Including losing XXXX XXXX XXXX XXXX cards due to my low credit score.
I called Wells Fargo on apx XXXX/XXXX/XXXX regarding a discrepancy in my XXXX County Tax bill and the amount that was paid through my escrow account. My tax bill was apx {$7000.00} and Wells paid XXXX County {$7300.00}. This discrepancy was confirmed while I was on the phone with the initial agent. However, I was advised that THEY would receive the refund and that my payment would not be updated to reflect the error in the tax bill because " my loan was new '' and that while they would normally update, since they were n't sure what my taxes would go to, they are just going to keep the amount. I advised that was not acceptable, because the reserve cushion was set in place for such instances and I was getting hit twice because I paid XXXX too much and then I was paying 16 % of the HIGHER number to calculate a cushion. I was advised that they would give me an answer within a week or so. On about XXXX, I called to check on the status and also called to request that 1 month of cushion be removed. I was escalated to the office of the president and was referred to XXXX XXXX, who had NO information or apparently no access to the previous information from the initial agent. She said she had until XXXX to give me an answer on BOTH the initial request and my new request for a reduction in cushion. She called me today and STILL had no answer for me. She told me that she still needed to confirm if my closing documents REQUIRED me to pay a cushion. I advised that RESPA does not require anyone to pay a cushion, it just says that you can collect up to 2 months. I work for XXXX and we remove cushions at the agent level DAILY. I am urgently waiting to hear back because my XXXX payment includes a shortage of {$4500.00}. From my calculations, at a min that is off by at least {$900.00}. There appears to be no sense of urgency however with this agent. She STILL had no information on the obvious error in the tax amounts which the previous front line agent was able to confirm on the initial call. In addition, her customer service left much to be desired. It was quite evident that she was frustrated with me because I was not ok with still having no answer almost a month later.
In 2014 I contacted XXXX XXXX credit bureau requesting that they open a dispute into the claims from this creditor and its representatives. This account, after investigation with assistance from the CFPB was subsequently deleted from XXXX but continues to report on my XXXX XXXX and XXXX files. I am requesting that XXXX XXXX credit bureaus please remove the entry/account from my credit file.
XXXX XXXX XXXX PUT A CHARGE ON MY CAPITAL ONE CARD. {$1000.00} I SEND THEM A FAX AND LETTER TELLING THEM NOT TO DO SO IN ADVANCE NO TO DO SO. 

IT IS NOT A AUTHORIZED CHARGE. CAPONE NOT COOPERATIVE RUDE LONG WAIT TIMES I WANT THIS CHARGE REVERSED ASAP FOR {$1000.00}.
This is a fraudulent account from over two years ago that I took care of this is a past issue
On XXXX XXXX, 2016 I was mailed a request for payment from this collection agency. On XXXX XXXX, 2016 I responded disputing the debt and asking for validation. Thirty ( 30 ) days later I had not received a reply from the company. On XXXX XXXX I mailed them a letter per Texas Finance Code that the time to validate the debt had passed and they could no longer continue pursuing payment. On XXXX XXXX the account was placed on my credit report as a unpaid collection. This company has violated my rights under the FDCPA and the Texas Penal Code as they are illegally attempting to collect debt in Texas since they do not have a surety bond registered with the Secretary of the State. As the attached file shows along with fax info this company has received info informing them of my dispute yet they placed the erroneous info on my report anyway.
There is an PNC Credit Card account listed on my credit reports that I did not open and I have no idea who opened this account. I have written the company and the ceo and they have dragged there feet in removing this account from my credit files.
On XX/XX/XXXX, I attempted to buy a new car from XXXX XXXX in XXXX XXXX. I took delivery of a XXXX XXXX XXXX XXXX and applied for financing of the vehicle through XXXX XXXX. On the 10th day, I was notified that there was a complication with financing and that I would have to go in to their office. I was on Holiday that day but went in as soon as I got back. When I went in, I was told that there was a problem with finances ; they had " misplaced '' my down payment and it had affected my loan. I was given the option to either pay more money or return the car and cancel the contract. I decided to return the car and cancel. The car was returned and I was given a contract cancellation form which assured that I would not be charged for anything since financing was rescinded. Unfortunately, I recieved a notification from Ally bank saying that I am signed up for an auto loan ; even though I returned the car and the financing was supposed to have not been issued. I called Ally bank XXXX XXXX to clear the issue up and was told it may take a week to clear up. I rechecked on XXXX XXXX and the account was still open ... I have attempted to work with Ally bank 's fraud department but have been unable to get further than their voicemail system.
XXXX, XXXX, and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX.
On XXXX/XXXX/2014 I received a hard inquiry on my Equifax credit file from " XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX ''. I have never done business with or applied for business with that company. I disputed the inquiry with Equifax and they told me that they could not do anything, I would have to dispute it with the creditor. I called the number they provided me with ( XXXX XXXX XXXX ), no answer ; however, I got the voice mail for a man by the name of XXXX XXXX. The number Equifax provided me with is not for XXXX but some random man by the name of XXXX XXXX. This is my formal complaint to get this issue taken care of.