WillisBack/dataset-financial-user-claim huggingface dataset:
The ongoing problem that I have with Capital One is in regards to a fraud situation. While charges were authorized, the ability to use the card was predicated entirely on Capital One approving and applying deposits to the account. Without this approval, the card could not be used. Even though the account was restricted on more than one occasion, the deposits were approved. At more than one time, I was told that the only way the money would be credited was if Capital One spoke directly to the bank or the person who owned the account. Given the fact that the credits were applied and then consequently removed proves that they did not follow their own procedure. If they could not get this confirmation, then the credits should not have been applied. 

Capital One fails to explain or account for their failure to properly verify the deposits in a timely manner. Deposits that were approved in XXXX were returned as late as the middle of XXXX, well beyond any reasonable 3-5 day turnaround time. By the time that I was notified of any issue with the deposits, the account was already used based on the positive confirmation that credit was available. It was not until XXXX before I received any written documentation, and that was after I continually pressed Capital One for information. The fact that they take no responsibility for the credits being applied because they use a clearinghouse does not remove any accountability. The extreme delay in the approval of these funds and the removal of the funds makes the approval of the subsequent charges their fault. Their stance that it is not their problem is wrong.
To Whom This May Concern : LVNV funding is reporting an account on my credit reports ( namely XXXX, XXXX, and XXXX  ) that does not belong to me. I have no knowledge of any debt with this company, and I have never received any correspondence letters, phone calls, etc. from them. I contacted them via mail requesting debt validation on XX/XX/XXXX using the contact information listed on my credit reports, but I have not received a response. Per the FCRA debt collectors are required to send a written debt validation notice, and this company has not done so, which places them in violation of the Fair Credit Reporting Act, which can carry fines up to {$1000.00} in court. Furthermore, I filed for Chapter XXXX bankruptcy XX/XX/XXXX, and the docket number is XXXX. All of my outstanding debt was included in this bankruptcy, which was discharged on XX/XX/XXXX. Since my discharge, I have not applied for or obtained any new debt, so it is impossible for me to owe this company.
I have started and paid for a monthly fee to monitor and dispute inaccurate information on my XXXX bureau report through Equifax. For the last several years, although I have proven that I have paid the accounts in full, and also provided the release of lien information, the bureau 's continue to state that the trade line will remain unchanged. I have been unable to get credit, purchase a home ( which would reduce my living expenses by {$600.00} per month, and have been harmed as I have been paying monthly for the service that does not do what they say they will do. The disputes I have submitted, even with proof have remained unchanged. The liens in question are from XXXX XXXX County for the State of CA FTB. I have verified with CA FTB the account is at a XXXX balance, yet they have not yet published the release of lien. I have also requested this several times. Therefore this complaint is also filed against the state of CA Federal Trade Bureau for not reporting the lien as released or resolved in a timely manner which has not only affected my credit report but also my financial capacity to borrow money, be seen as credit worthy, and has cost me money each and every month for the membership to Equifax to attempt to resolve these issues. I have called FTB on many occassions as recent as XXXX/XXXX/XXXX. The wait time to speak to a representative is up to nearly 3 hours. When I do speak to them, it is verified the account is at a XXXX balance and that I am in good standing. I am told the lien will take 2 weeks to release, but as of 3 weeks ago when I was last told this the lien has not been released. I lost the contract on a property as this is one of the major issues we could not overcome. We have nearly {$4000.00} invested into the purchase contract which is now lost and cancelled. I am considering filing a lawsuit to recapture these losses and the monthly expenses for the membership, as well as puntative damages. The liens were filed and should have been released no later than XX/XX/XXXX. In XX/XX/XXXX I began to request the liens be released. To date the liens are still active. Going to FTB website they recommend contacting the bureau 's to resolve the mis-reporting. I have done this however, the bureaus indicate that FTB has to initiate the release. Either way, neither is doing anything about the lien although the accounts are all at a XXXX balance and I am in good standing. I wish to be made whole financially as well as have my credit restored to the condition it would have been if not for the mis-reporting and delays.
My letter dated XX/XX/2018. With application # XXXX was reported I was denied credit for subjective measures stated as ; 1. Monthly payments owed are too high relative to recent Wells Fargo deposits, and Remaining income after monthly debt payments is too low. 

I called to speak with Wells Fargo regarding these issues on subjective data measure decision making in regards to this application. When asked to objective measures they could not relay any. I again made reference to credit scores and objective measure which is used to determine credit worthiness were 1. on application was XXXX and 2. on Wells Fargo report was XXXX. These were provided as attachments. 

Again I asked for other objective measures which they could have used to make these credit decisions. Nothing was provided merely being transferred from one representative to representative. Nothing was provided accept y credit score of XXXX which is excellent. 

So I could only conclude that Wells Fargo uses discriminatory practices in determine the issuing of credit as for every objective matrix I had and was provided to me by Wells Fargo states I am an excellent history in using credit responsibly.
Transunion credit reporting agency is reporting on my credit report an account that was closed on XXXX XXXX 2009. There is a statue of limitiations of 7 years and it should be deleted off my report. The account they are reporting is " XXXX XXXX XXXX credit card ''. This account should be deleted off my report since it 's been 8 years since the account was closed. I tried to contact transunion and they kept discussing my current XXXX XXXX accounts ( I have 2 seperate accounts that are in excellent standing and open accounts ). I explained I am not speaking about my current accounts I am talking about the one that is 8 years old. I was told it would be deleted. Upon checking my credit report today I noticed that this account is still reporting. This information is outdated and should be deleted.
Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. XXXX XXXX was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XX/XX/XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XX/XX/XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. XXXX XXXX says verified on XX/XX/XXXX. Equifax says verified on XX/XX/XXXX.
In 2007 my ex-wife and I XXXX. I had XXXX vehicles under my name which were with Ford Motor Credit as the cosigner, and XXXX XXXX XXXX which I was the primary. The XXXX proceedings lasted almost XXXX years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both FMC and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after XXXX years has past from the first deliquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for FMC. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XX/XX/XXXX and XX/XX/XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the XXXX years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Ford Motor Credit Acct # XXXX # ending in XXXX XXXX XXXX XXXX
I am disputing an account with Experian that is showing as collections with a company I have never done business that does not belong to me. Experian needs to delete it. It is not on my XXXX and XXXX credit reports.
I NEVER used my credit before and when I applied to get my first car the dealer told me that my credit was at a XXXX and I just paid a car off and just leased out a new one. He said I also had school loans and the name and address were different from mine as well as the employer. He could not give me the information that we received. I tried checking my credit online but a lot of the sites are n't letting me because my social is associated with other accounts on the websites. I 've been trying to go through this process and I signed up for XXXX and they 'll do the investigation for me but I need the information for the other people. I have still yet to open anything in my name, so everything on my credit report is invalid and needs to be eliminated so I can start establishing my own credit. I 'm only XXXX years old and the credit usage dates back to when I was XXXX years old. These accounts have been on my credit for years.
In XX/XX/2018, I responded to a public offer from American Express Ascend ( which also appeared on my account home page ) to receive XXXX bonus XXXX XXXX points, and applied for the card and received the credit card. In XX/XX/2018, I received a statement for the required {$95.00} fee for the use of the card and paid that amount by ACH. Additionally, I charged {$2000.00} on the card in XX/XX/2018 for which I was billed in early XX/XX/2018 ( and paid the that full amount via ACH in XX/XX/2018 ). -- for which I was supposed to have received a total of XXXX XXXX XXXX Points in my XXXX XXXX Account as per their offer. The total amount of XXXX XXXX Points owed to me is : XXXX. Twice I have contacted both American Express and XXXX XXXX regarding this issue and have received no response except that American Express referred me to XXXX XXXX for problem resolution. The XXXX points from their offer have not appeared in my account to this date.
Do not call letter sent, phone call to stop harrassment, report to credit bureau, report to FL attorney general
at XXXX i buyed some Litecoin with cc no Problem so far. Wanted to Transfer it to another exchange and bam 3 days Payment locked, but i can unlock the transaction faster if i upload my id ( again ) to verify. 

Ok no problem uploaded it XXXX times always unable to verify my identity and then i got banned and my account got XXXX. 

Hey just write a support ticket ... .. i cant write a support ticket on a XXXX ACCOUNT. ok so i opened a second account and contacted XXXX and XXXX from support staff in XXXX with a ticket id, none of them replied. 

But i got a answer on my ticket from the new i account i made : Thank you for contacting Coinbase Support. I apologize for the delay in responding to your email and for all the trouble. 

I will now be closing this ticket and will be responding to the original ticket you created that was sent from the said XXXX email address. 

to my old XXXX ACCOUNT rly guys? i cant answer or login or read the ticket on my old account. I dont even get emails when/if she replied to the open ticket on my old account cause THIS ACCOUNT IS XXXX XXXX : Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

( i dont have purchasing problems i have a XXXX account but thank you for automated message ) XXXX Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

XXXX a automated message with the full faq just copy/pasted THANK YOU! 

UPDATE** XXXX It appears as though your case has a restriction and is not security related. I am escalating your case to the proper queue now. 

( your system just auto banned me like i said i have my Phone number verificated XXXX for login and XXXX for transactions just unban my account whats the problem here ) My ticket id is : # XXXX and # XXXX
there was a multiple computer glitch with transunion that caused my inquires to be deleted. and then those inquires reappeared. The Glitch is transunion 's problem and not mine. Transunion added all these inquires back on to my report without giving me the legally required written notice 5 days prior to them re adding them. i contacted transunion, in good faith to ask them to delete the inquires that they had illegally readded.
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i called transunion at XXXX on XXXX XXXX  2017 and spoke with XXXX XXXX for 11 mins and 41 seconds. he said he could n't help me and i had to deal with it. He said he does n't have the authority to delete the information i tried again to see if anyone else at transunion would go above and beyond to assist me. I spoke with XXXX XXXX at XXXX on XXXX/XXXX/2017 and was met with a harsh reality that employee at transunion let me down. i asked to be transferred, he refused, and told me he could delete the inquires. after multiple attempts i told him the situation and he refused to help me.
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These inquires are a hardship and that my rights were violated by transunion. i need the CFPB to help me stop transunion from victimizing me. and everyone else
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) XXXX of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX XXXX, XXXX XXXX and they have failed to do so.
I received a letter from McCarthy Burgess & Wolff concerning a debt that I dispute. I emailed them at the address listed in the letter on XXXX XXXX, XXXX and told them that I disputed the debt and to not contact me any further. I then received a call from them on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. The uploaded files are screenshots of the email I sent demanding they stop contacting me and also a screenshot of the subsequent calls from them.
On XXXX/XXXX/2015 at XXXX I withdrew {$240.00} out of my checking account. the AtM receipt said that I had {$1.00} available in my account the next morning at XXXX I recieved a email stating that my account was overdrawn on XXXX/XXXX/2015. I called the telephone banking center at around XXXX XXXX/XXXX/15 and spoke with a customer service rep. she could not give me a reason, as to why my bank account was overdrawn except that I had withdrew the money out. She told me to take my receipt when I had some time, into a branch so they could look over and explain what happen and reverse the fees. On XXXX/XXXX/2015 I stop in the branch close to my home. I explain to the teller what had happened and showed the the receipt to the teller, so the they could see the mistake was on their end and they need to reverse the fees. the teller told me she need to get an approval from a supervisor, she came back and introduce me to XXXX XXXX XXXX Branch Manager who look over my entire account and notice that PNC had to reverse fees in the past for mistakes on their end or just over charging in fees not more than a month prior XXXX for a overdraft of XXXX he then told me he was not going to reverse the fees because the system does n't always reflect the correct amount that 's in your account and that I should have keep a written log of my spending. I showed him the receipt again and ask " so I 'm not suppose to trust what your receipt printed out of your machine I should have kept better bookkeeping and this is my mistake ''? I asked for the printout and who was his supervisor he told me " no one could change his decision '', I replied " are you trying to be difficult, I just asked for your supervisor number ''. He then wrote on the back of his business card XXXX XXXX name and number I put my items back in my purse and left the branch without any resolution.
I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.
I 'm writting a complaint againts Bank of America N.A. for foreclosing on my house for 5 years at XXXX XXXX XXXX XXXX. XXXX, Wa XXXX. I XXXX XXXX and XXXX XXXX purchased the house in XX/XX/XXXX. It was our home we both paid bills until XXXX XXXX got sick and laid off I was still paying all the bills. XXXX XXXX gifted the house in XX/XX/XXXXand did a quick deed of trust.When she left me in XX/XX/XXXX I was still paying the bills. She even wrote a letter and we got it nortarized. When she gifted me the house, she told me there was only XXXX XXXXeft owed to the bank. I was going to sale the house. Me and my realtor called the bank to see how much is owed on the house the full amount they keep telling me XXXX and I do n't have authorization. So me and my realtor priced the house for XXXX. We had a buyer but when we found out that it was more than 82,000 and I would n't be getting anything back for me and my family. So me and my baby mama tried to modify the house with an housing authority agent we gave them both our information. My baby mama just got a good job they told us everything looks good and it should go through but the bank stopped the process because we were n't on the loan. When I spoke to XXXX XXXX she told me she talked to the bank and signed an authorization form and I have authorize to the account of the house it was hard for me to get a hold of XXXX XXXX because my baby mama and her do n't get along at all so when I Spokane to XXXX XXXX again the bank called her about the modification that 's when she modified the house and it went through but my baby mama disagreed with it because XXXX XXXX  does n't live here we do, so she did n't help me pay any of the bills. After the modification the house went back into foreclosure. I was trying everything I can to save my home for me and my family. The bank still foreclosed on the house without solving the problem. The propriety is in my name and the account is XXXX XXXX name how can the bank foreclose on the house without consulting me I 'm on the deed of trust. I 'm suing the bank for almost giving me a XXXX, in and out of the hospital, XXXX, XXXX, and causing my family leaving. I ' m on SSA and been sick for awhile but I 'm trying to get better to go back to work to support my family. All I 'm asking for is help me buy another house or grant me a house otherwords gifted or grant me the money I was going to sale the house for XXXX, owed to the bank is XXXX that leaves XXXX that should of been my money for me and my family to get a new place. We are staying with my sister and her big family but we need our own space. Everything that 's been said and written that 's the honest truth and I can prove it in court. I ca n't afford a lawyer if they can grant me a good lawyer to represent my case.