WillisBack/dataset-financial-user-claim huggingface dataset:
CFPB NO : XXXX Violation of federal laws and refusal to require business to provide proof the customer is liable for the amount charged and failure to require business to provide proof the customer authorized the charges be placed on the credit card. 
I have repeatedly requested in telephone conversations and in writing for Capital One to provide proof from XXXX XXXX XXXX XXXX XXXX showing in writing I agreed to pay or am liable for the charges placed on my credit card for : XXXX XXXX XXXX XXXX, and XXXX XXXX. As of XXXX XXXX, XXXX not XXXX item has been provided by XXXX XXXX XXXX XXXX XXXX for any of the charges above. I have repeatedly requested in telephone conversations and in writing for Capital One to provide proof from XXXX XXXX XXXX XXXX XXXX showing in writing I agreed to allow all of the above charges to be placed on my Capital One credit card. As of XXXX XXXX, XXXX XXXX item has been provided by XXXX XXXX XXXX XXXX XXXX that I authorized XXXX XXXX XXXX XXXX XXXX to use my credit card. Capital One has required me to pay the charges under threat of late fees, interest, etc. if I dont pay the charges on time. I have tried to put the charges in dispute. I have been successful with a few of the charges being placed in dispute. However, Capital One has required me to pay XXXX that I dont owe and have never agreed to pay to XXXX XXXX XXXX XXXX XXXX rather than put these charges in dispute. Capital One insists I pay another XXXX that I dont owe XXXX XXXX XXXX XXXX XXXX. Capital One has never required XXXX XXXX XXXX XXXX XXXXXXXX to provide any documented proof the charges are legitimate and authorized by me. I believe it is a violation of federal law for a business to hold a customer liable for payment without the customers agreement to pay. I have never agreed to pay any of the above charges to XXXX XXXX XXXX XXXX XXXX. I believe it is a violation of federal law for a business to place unauthorized charges on a customers credit card. I have never given XXXX XXXX XXXX XXXX XXXX permission to place any of the above charges on my Capital One credit card. I have never seen a single sheet of paper pertaining to any of the above charges on my Capital One credit card by XXXX XXXX XXXX XXXX XXXX. Capital One has used unrecognizable photos as proof to require me to pay the charges.
I am the executor of my later mother 's estate. My mother XXXX XXXX  on XXXX XXXX, 2017. My mother had numerous accounts with Bank of America, all of which are payable to named beneficiaries at her XXXX. I notified Bank of America of her XXXX in XXXX 2017 when I personally met with a bank employee named XXXX at the XXXX, IL branch office. XXXX telephoned the bank 's " XXXX XXXX XXXX ''  while I sat at her desk. She was told the bank would mail out a claim packet for me to complete and distribute to my mother 's other beneficiaries. I had a certified copy of my mother 's XXXX certificate in my possession at the time. XXXX informed me the bank did not need a copy of the XXXX certificate as they had been notified by the Social Security Administration of  my mom 's XXXX. A XXXX claim packet never arrived so I again visited the XXXX, IL branch and met with the branch manager, XXXX XXXX. XXXX XXXX contacted the " estate unit '' and was told that I had previously been given bad information and that the bank did need a copy of the XXXX  certificate. A few days later, I personally delivered the XXXX certificate to XXXX XXXX. That was sometime in early XXXX. When several weeks passed without receiving anything in the mail from the bank, I began to communicate with XXXX XXXX via email. Emails were sent to XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I also had telephone conversations with XXXX XXXX on XXXX, XXXX, and XXXX. Even though the bank had been informed of my mother 's XXXX in XXXX 2017, they renewed a 24 month CD in her name on XX/XX/17. Until XXXX, I had received nothing from Bank of America, not even an acknowledgement of my mother 's XXXX offering condolences. On XXXX I finally received the claim paperwork from the bank. The paperwork was completed, notarized, and dropped off at the XXXX, IL branch on XX/XX/17. To date, I have received nothing, not even an acknowledgement from the bank that they had received my paperwork. I worked at a bank for several years and find it incomprehensible that this has been going on for five months. I truly believe that XXXX XXXX did her best to try to help me with the claim, but was put in a bad spot by the " estate unit '', if one truly exists. I believe the bank 's actions or lack thereof is totally irresponsible. Bank of America 's inexcusable " customer service '' is certainly something no grieving family should have to experience. Please help our family out so we can put Bank of America out of our collective minds. Thank you.
Caliber Home Loans sent me a letter that they will refund the amount of {$5000.00}. Instead i received {$4700.00}. I called customer service asking why the amount was less and they could not come up with an explanation.
Automobile Insurance Claims that were originally filed in error by an inexperienced Claims Adjuster, then withdrawn are not being removed from my C.L.U.E Auto Report by XXXX and LexisNexis. I have attached letters from XXXX stating that the claims will not be filed and are withdrawn. Therefore the minor damages reported by me to XXXX are for " reporting purposes only ''. XXXX has and will not expend revenue in any means whatsoever on these particular claims that are now " closed ''. As you know, this erroneous reporting by the aforementioned companies can seriously affect my renewal and/ or renewal rates. Initially, I filed a dispute with XXXX and after ordering my XXXX XXXX Auto report for a second time found that only one or two of the attached claims were indeed removed. I filed a dispute with LexisNexisXXXX XXXX, waited three weeks and received the same report with no changes. Immediately I called XXXX and the person who generated the letters told me I needed to contact the Service Department. I called the XXXX Service Department over the XXXX XXXX XXXX weekend and she told me she had no way to access the letters and she transferred me to the Claims Department. The lady in the Claims Department instructed me to contact the person who generated the letters because she could do nothing for me. I called the person ( XXXX XXXX ), who generated the letters of Claim Withdrawal and she stated that she would inform the Underwriting Department at XXXX to remove the remaining three claims. I checked my XXXX XXXX Auto report this morning and nothing has been done about this issue. Also, LexisNexis has a bad policy of reporting 'Possible Related Claims '' ( PRC ), on most XXXX XXXX XXXX XXXX by geographically matching someone 's Surname to other claims. I am a XXXX person over XXXX with a XXXX child in another state. I have spent the last six weeks trying to get my report corrected. In that time period LexisNexis has reported other claims on my XXXX . Auto Report of people I do n't even know. There is a lot of other people 's personal information on these claims that show up on another 's report. As a prior victim of Identity Theft I believe this practice is dangerous for any consumer. When they engage in this misleading business tactic they never inform or ask the actual person affected if these people are related to, or on their policy. Please help me to resolve these issues. You have helped me in the past and the CFPB does great work. Thank You!
Equifax continue to willfully violate my rights pursuant but not limited to the " FCRA '' with negligent noncompliance. Equifax continues to report inaccurate information that was blocked due to identity theft pursuant to the FCRA 605 B ( 15 U.S.C. 1681C-2 ). An Equifax consumer credit report was acquired on XXXX/XXXX/2015 from Equifax Mortgage Solutions which still contains fraudulent accounts in which were deleted from my Equifax Consumer Credit Report which I have also uploaded. Equifax continues to ruin my life by inaccurately reporting fraudulent accounts in addition to violating 15 U.S. Code 1681i ( C ) and ( D ). I have been denied life & liberty due to this companies negligence and have done all that I can do to obtain remedy through the agencies that govern them.
I closed a safe deposit box with Wells Fargo in XX/XX/XXXX. When I closed my checking account with Wells Fargo they took a safe deposit box fee from my account ( {$30.00} ) when I no longer had the box and no fees were due. I have tri d calling and filling complaints withe their corporate office but no one has responded to my complaint. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Total phone time with their representatives is about 3 hours and I still get no resolution or phone call back.
XXXX XXXX XXXX amounts showing on my credit reports account charged off {$24000.00} Written off {$17000.00} I never received any letter or letters after writing Exeter about the account or what the Vehicle sold for which I requested. the amounts are not correct. 
I tried several times to pay but was told I could not pay or catch the payments up. 
My job had written me bad checks I work for at XXXX salary and closed up with out any notice. I told them this several times I was waiting to transfer to the XXXX  in which I 'm a XXXX the company had over 460 employees. 

Exeter has no regards to the customer my claim was valid with the state about money filed as proof and the situations going on at the time. 

Now XXXX XXXX XXXX has Transfer of Account Ownership to XXXX XXXX XXXX Why would I pay for a Vehicle that I do n't have nor was ever give a sale amount at auction. 
Now a transfer with no amounts and I dispute any and al money owed to Exeter due to the fact when I wrote Exeter to pay I was treated badly and hung up on. 
the amount on the credit report is not right on the amounts there is no sale amount on {$17000.00} or XXXX was the amount of the begging loan Fin but there was payments made and the sale amount does not leave the balance this high nor XXXX owed minus the sale price of the Vehicle.
Navient capitalized the interest on my account, which they said was due to my payment plan expiring. However, when I looked deeper into it, the notices sent and the payment plan show that they capitalized the interest  one  full month prior to the plan 's expiration. I reached out to them several times, each time documenting my request to reverse the capitalized interest. Finally, after several weeks they reversed the capitalization of interest.     I want others to be aware that this can happen and to look into the account history to determine if Navient has incorrectly capitalized the interest on the account, prior to the date permitted, and to understand that this can be reversed but that they must be proactive and follow-up with these requests.
After 21 years of being a member of USAA & after twice them sending offensive " automated correspondences '' to me - I want to settle this account & close it. Finally got them to close the account - after two weeks & profanity laced emails. But now they refuse to budge with a settlement. I have now asked for a complete AUDIT of my account. 

I 've been lied to and offended to no end. USAA also needs to be retrained with regard to " Best Practices. '' I have two correspondence I wrote to USAA 's Executive Council, that I would like to forward to CFPB. 

Any help in getting this account settled would be greatly appreciated. 
Thank you, XXXX XXXX XXXX XXXX
Given the increase in property values of my area I decided to initiate the PMI removal process with Loancare , LLC back in XX/XX/2018. Knowing the appraisal on file would not suffice I requested a new one and was told it would cost {$420.00}, unless my property was remote or an appraiser was not in my area. I asked to schedule the appraisal immediately as I knew I would be denied based off previous information. I had to wait until XX/XX/XXXX to get a " denial '' letter from the company before I could even pay for my appraisal, which I did on XXXX XXXX. I was told someone would contact me immediately, after numerous phone calls to the company I was given a deadline of XX/XX/XXXX. No call. The next deadline given to me was that Id be contacted by XX/XX/XXXX. On top of that, they more than doubled the appraisal cost to {$910.00}, saying that was the fee for Colorado. Why wasn't that ever disclosed to me? I have called the company over 20 times and spoke with several supervisors with no resolution.
XXXX XXXX XXXX ( XXXX ) acting on behalf of Citibank contacted me between XX/XX/XXXX-XX/XX/XXXXto  settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to XXXX. 

My credit improved. ByXX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX this debt from Citibank reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either Citibank is mistaken or XXXX has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM XXXX XXXX XXXX ( XXXX ).
On Friday XX/XX/2018 at XXXX hours a call was received at my employer from XXXX by an individual who refused to identify their name, business name, or nature of call. The individual asked to speak with a " manager or supervisor '' and explained the information related to the call could only be provided directly to a manager or supervisor. I then transferred the individual to the our chapter 's executive director who received my protected information from the individual. The caller provided my supervisor, my name, detailed information regarding the alleged debt, specific instructions for me to contact the company back within 2 hours to prevent escalation to the human resources department of my employer, and that documents would be served summonsing me to appear in court. Provided case number. Asked to return call to XXXX. 

On Monday XX/XX/2018 at XXXX hours a call was again received at my employer from an anonymous number by an individual who refused to identify their name, business name, or nature of call. The individual provided my colleague with my name, detailed information regarding the alleged debt, specific instructions for me to contact the company back within 2 hours to prevent escalation to the human resources department of my employer, and that documents would  be served summonsing me to appear in court. Provided case number. Asked to return call to XXXX. 

Outbound contact made to XXXX at XXXX. Receptionist answered and identified the business as " corporate offices ''. Inquiry as to the name of the business at XXXX and receptionist explained it was a switchboard and he did not know. Attempted transfer to XXXX but no one answered. No voicemail left. 

Received a call and voicemail from XXXX. Returned XXXX 's call who explained that my case was out for processing with a document service company, XXXX XXXX XXXX, and that he only worked for the XXXX XXXX XXXX XXXX. Inquiry was made as to the nature of the contacts made to my employer. XXXX explained he couldn't provide any information. I inquired about what documents were being processed and when I would receive them to which XXXX stated 3-4 weeks. He then proceeded to give me a balance of {$1700.00} owed but refused to provide the name of debtor. XXXX stated " Do you plan to resolve the balance today? '' and stated " We deposited {$1500.00} into your ( states name of bank ) on ( provided date of deposit ) so you can look in your account and find the name of the creditor ''. He perpetuated collection tactics and became abusive and aggressive when additional questions I asked to validate the debt. XXXX provided an address of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
I HAVE SUBMITTED SEVERAL DISPUTES TO EQUIFAX REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE EQUIFAX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EQUIFAX.
They told me I couldnt lower my payment and I wasnt able to do A forbearance anymore.
I have a loan with XXXX now know as Bridgecrest presently. This company no matter what will report late payments, even when you are caught up.
On XX/XX/18, I sent a request to have all my information updated : 1. To have all old addresses deleted off of my file, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

2. To update my name on my file.

3. To update and delete all old phone numbers.

4. There are -2- collections on my report and I have asked for validations for these collections to prove that the debts belong to me.

The above was -not- done or updated. 
On XX/XX/18, I sent in another request for this information to be followed up with and still to date nothing has been corrected on my report. 
This company failed to get back to me within the 31 day period so therefore they are in violation
I got a loan through GM ( Americredit ) I purchased the vehicle in XXXX for XXXX. After taxes and all the loan totaled XXXX. The payments are XXXX a month. Well in XXXX XXXX I was in a car accident and unable to work, Gm calls my house daily XXXX or XXXX times a day and I have explained my situation that I am injured and do n't want to talk about the same thing daily. When I purchased the loan I told them I only wanted a payment below XXXX. I was told that it would refinance in a year. They keep saying that they are going to work with me, but they have n't and I refuse to pay all that interest on a truck. loan started out at XXXX now I still owe XXXX after XXXX worth of payments. In XXXX XXXX, GM started calling my husband he was XXXX over the road, he kept telling them he could n't talk he would get back with them after he parked, they call him back to back everyday. It is illegal to call a person on their job so many times especially when you speaking with the person that tells you they will call you back. They put a repossession man on the truck and he logged into my facebook account and pretended to be my godson that is stationed oversees to get my address when they already have my address. Then he called my home and told me he was there to pick up the truck which he must not have been cause at the time I was out of town with my husband. He should have never called me that is total harassment .Then they called my sister, father in Kentucky and told them that I was behind on my truck payments which is scandal cause you talked to my husband several times, and also me I explained if I am home I will get the phone or call back so you did n't need to call anybody, then you called my friends XXXX XXXX and XXXX XXXX XXXX and told them the same thing.This is very illegal.When I asked them about refinaceing the vehicle they told me they do n't refinance, if you are a legal bank how do you not refinance when you told me that you would refinance the truck in a year, the only reason I signed the documents was cause I was gon na get a lower payment the following year which never happened! I want the interest taken off and the balance forward, cause the interest is not doing anything for me and I refuse to pay all that uneccessary interest when the truck is not worth it and nobody will refinance me cause the loan is upside down. I actually have a loan that is considered predatory lending which is illegal and I want something done about it. I am tired of the run a round from GM ( AMERICREDIT ). I also want pain and suffering from the harassing phone calls from GM and the Repo man and I want my husband compensated for the harassment on his job, rule clearly states not to call at a place of employment, GM kepy calling even after they were told not to call him at work. I also want compensated for telling my business to my family and friends. Thanks for your time and attention in this matter
XXXX XXXX XXXX credit card opened balance {$2900.00} XXXX XXXX XXXX collection company balance {$2800.00} XXXX / XXXX charge off account balance {$2500.00} XXXX card credit card charge off account balance {$1700.00} XXXX credit card charge off account balance {$1000.00} XXXX XXXX XXXX   collection  account balance {$970.00} XXXX XXXX XXXX collection account balance {$610.00} XXXX XXXX collection account balance {$410.00} XXXX credit card collection account balance {$350.00} XXXX/XXXX charge off account XXXX charge off account
On XXXX XXXX, XXXX I submitted a dispute with Equifax to XXXX XXXX that the bill {$620.00} has been paid, XXXX shows it paid in full. XXXX  XXXX even says the bill has been paid. 

On XXXX XXXX Equifax sent me the results of the dispute showing that I STILL owed the total amount. 

On XXXX XXXX I called XXXX XXXX to see if they sent info that they were paid in full to Equifax, they said they faxed the info to Equifax on XXXX XXXX stating the account had been paid in full. 

On XXXX XXXX I 've been trying to contact Equifax about getting the acct to show paid in full and ca n't get through to anyone or their online is down for maintenance.
I have been struggling with my mortgage company in reporting my correct information. I have an account with XXXX XXXX and one bureau is reporting it as negative and being included in a bankruptcy, however XXXX did a loan modification and the payment history should be reporting perfectly on all three bureaus for some time. It's not a charge off loan. I really need your company 's help in getting this resolved. I have requested information from XXXX and from Experian to report the information correctly and I can't seem to get anything resolved. I really need your intervention.
I donot have a XXXX account please remove from credit report I called XXXX they do not have any information on me
I opened an account with Citibank in XXXX. Then I moved to XXXX. I fully updated all my personal information and legal status throughout the process. 

Then, out of the blue, they decide to freeze my account! 
I did not receive any warning email. They did not send me any post to warn me of the freezing. I had money in the account and no cash in hand. And worst of all, they did this on a Friday, which means I had to wait until the following Tuesday until the customer service officer responsible for the freezing to come back to work. I had to spend 4 days without any cash in hand or withdrawal. I had to go to the currency exchange in order to buy my food! 

The employees at the XXXX branch in XXXX did their absolute best to help me out and resolve my case. I watched them call the customer service guys in front of me multiple times. No matter what they did or who they spoke to, the headquarters gave no satisfactory answer other than " Have him come back next Tuesday ''. 

When I came back on Tuesday, the only thing the bank could do for me to get my money back is to CLOSE THE ACCOUNT. That 's because the headquarters were unable to legally process my case. 

The bank employees advised me to take my money to another bank, because the headquarters were " too slow '' in processing my case. I could have spent another 2 weeks with a frozen account while they took their sweet time. 

As of the time in which this problem occurred, I was ( and still am ) an XXXX from XXXX. That was my legal status in the USA. It was valid and supported by my lawyer. But the Citibank people had no experience dealing with my XXXX applicant status, and they did not communicate effectively why this problem happened. If they had told me about the problem EARLY ( at least through email! ), I would have talked to them and worked with them to fix it, not spending 4 days with no cash in hand.