WillisBack/dataset-financial-user-claim huggingface dataset:
This is not my first complaint, and after 5 months of waiting to get this issue resolved I feel this is my only option to communicate with Capitol One. May of this year I applied for a capitol one credit card for XXXX XXXX XXXX ( where I work ), I was emailed by a representative asking for more of my Income information, I declined and decided I no longer needed the card. I never got a response from the representative, some time later I check my credit report and I not only have that credit inquiry from the XXXX but she processed another credit application on the XXXX which I DID NOT AUTHORIZE. I immediately called, left voicemails, sent emails etc. No response. 

Fast forward to XXXX when I create a complaint on CFB, Im contacted by someone in the executive offices saying they are aware of the issue and that she " accidentally '' submitted another application when she was trying to see if any information was updated ... what could have possibly changed on my credit in a day? 

I was then sent a letter stating they would send all the information from my account to the credit companies and it would left the the reporting agencies to decide if they would remove it or if it would become a soft inquiry ... that was suppose to take 60 days max. 

60 days later and the unauthorized inquiry is still there. I contact the number I was given to the executive office, the woman I originally spoke with is not available or just doesn't know how to return calls. I speak with a new gentlemen, he ensures me he will look into it and see why it is taking so long, says he will call me by the end of the week to update me. 

I call him after I never receive that update, it appears as though my case was never sent to the reporting agencies to be removed, I finally reach him, he promises once again to keep me informed on the process, that was two weeks and two voicemails ago and have yet to hear from anyone. I told him that it is extremely important that it be removed because I will be purchasing a home in the next few months. He then created a case for me # XXXX, not sure why there wouldnt have already been one. I dont know how many complaints I must post, or representatives I must talk to in order for the issue to be resolved.
I received a call from Source Receivable, located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX, a debt collection agency beginning the week of the XXXX in the month of XXXX. The lady I spoke with stated that my debt could be settled for a lessened fee. I agreed and gave her my card info, I then told her that I could not make the payments right away. She informed me that that indeed was fine and that they would not take any unauthorized payment from me unless I gave authorization to do so and that she would give me a call back Friday to see if I could make the payment. I did in fact receive a call back that following Friday and spoke to a male. I explained to him that I could not talk due to having a patient with me which was the end of our conversation. No further details were discussed. I then noticed today, XX/XX/2018 that there was a transaction taken out by the agency in the amount of XXXX. Upon further reviewing my bank statements I realized that the first transaction taken out was Friday, XX/XX/2018, the very same day that the male called me although I couldnt talk to him at the moment. A total of 3 payments were taken out. I then called Source Receivable located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX in order to dispute the transaction. The male representative I spoke to told me he nor his supervisor could interpret the tape and that someone else would call me. 2 hours later I received a phone call from a Lady named XXXX, who told me that O wasnt getting my money back, and that if I didnt authorize the call why did they have my credit card number. I explained to her that I did in fact give my credit card number but stated I could not make those payments, I then informed her that the lady said I would get a call back Friday to authorize the payment. She then told me that I did not get a phone call back and that the lady never told me she would call back and get an authorization. She was very nasty and disrespectful, I asked for her last name and she informed me that she would give her first name only, I ask her if I could review the tape and she said no. The company went from telling me they couldnt understand the recording to telling me that the lady I spoke too did not say what was said when she in fact did. I did not receive any letters in the mail of any monies retrieved from my account from this company
I've received a letter as well as a response to my complaint that the hard credit Inquire performed by XXXX loans is factual. Factual ... Based on what factual data or documentation? A credit granter attesting that a consumer was seeking one of the three criteria 's stated withing your " question regarding inquiries '' letter therefore making it permissible for said credit grantor to pull ones credit history is not factual by any means! Again I did not request credit of any kind including store or mortgage credit, I did not apply for any services of any kind including utilities, phone, cable or home security, and finally I did not indicate in any way that I was applying for credit of any kind. If you wish for me to consider this mater closed and not peruse further litigation than simply provide proof in support of your claim of said credit inquire being factual where I knowingly or unknowingly requested credit or services from XXXX loans as your criteria defines within your XX/XX/2018 " question regarding inquiries '' letter to me. 

Thank you
was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from XXXX XXXX or ad astra
I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. XXXX ignored my letter even though I had it tracked and know they received it in XXXX 2015
I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$2000.00} On  XXXX / XXXX /  XXXX   Was Added To All  XXXX  Of My Credit!!
On XX/XX/XXXX I was able to transfer {$400.00} from my Netspend Control Card Account to my Netspend WU Card Account. I was able to make the same transaction on XX/XX/XXXX for {$500.00}. Today XX/XX/XXXX I now and currently have been on the phone with Netspend for almost 2 hours. I have spoken with 4 different people. I'm being told that they aren't able to do this type of transaction or the system will not allow for it to be done. When I point out the dates and the amounts of the previous transaction no one can give me a logical explanation. I'm very frustrated because I need access to my funds and being a customer of Netspend for over 5 years or more this is truly concerning. Both cards are Held by XXXX/ Netspend . As a consumer, I feel something is not quite right and need answers.
I recently filed for chapter XXXX bankruptcy and it was dismissed in XX/XX/XXXX. I have an open mortgage with XXXX XXXX ( VETERANS UNITED ). My mortgage was not included in bankruptcy, interest rates, payments, etc were not affected by the bankruptcy. I opened this mortgage in XX/XX/XXXX of XX/XX/XXXX and only 4 payments show on my credit report as being made. I have made on time, full payments for the past 2 years. The account is now reported closed as of XX/XX/XXXX due to bankruptcy. This account is open and in good standings. This account greatly impacts my credit score and my ability to purchase home in the future. I have tried to resolve this matter with the company with no luck.
Dear Senior Director Of Operations, Attn : Chase Manhattan Bank Upon review of our checking account today we found for the sixth time to be charged a unauthorized " Disputed '' transaction from : Merchant XXXX which is Fraudulent! 
The continued amount of {$150.00}. Please block it and do not pay it. We paid several fees to have this stopped. Still awaiting the {$4500.00} refund from your accounting department. Our goal was to schedule a deposit for {$7000.00} but are concerned about this matter with { XXXX XXXX }. We do not offer merchant services through our account nor ever requested such services. 
*XXXX*
Ive had your company keeping faulty and incorrect accounts on my credit report for a very long time and despite my prior letters to you including the one sent to you the prior month, you have failed to do anything.
I have received phone calls from Midland Credit Management about a claim they say I owe to a company called XXXX XXXX, which I closed years ago. I am very upset they contacted me at home since I have never given out my home phone and it is unlisted
Navient keeps pursuing me for my school loan balance 1. They can not produce my original signed loan document so no one can determine the loan terms and conditions. 
2. They illegally charged deferment fees and sent a letter and refund check due to a class action lawsuit. XXXX XXXX, et al. v. XXXX XXXX XXXX, et al., XXXX XXXX. XXXX XXXX. Have filed false documents in court.
I sent {$260.00} to someone with an unconfirmed email. The transaction is pending. I tried to cancel the transaction. But the agent in the XXXX, said I cant cancel until the other party confirms their email or 30 days. I do not understand why that should impact me canceling. Paypal is sitting on my money. He said it was the process and his manager would say the same. He then put me on hold for over 20 minutes. I gave up and hung up. This policy likely makes Paypal a lot money on interest on me and others because of this practice.
I cleared up a discrepancy with XXXX XXXX in Arkansas after my business was frauded. 
I have a statement from Chexsystems to that effect. I have 4 bank accounts currently and have moved out of a 4 hour distance to a branch bank. I can't get another bank to open an account in my area because # 1 the information on my consumer report is not accurate, the previous notice was cleared up immediately once I found out about it. # 2 The information of suspected fraud activity from 2014 is still showing up on this report, and Ive been turned down by 2 banks because of it. I am the VICTIM of the fraud activity and I am being made out to be guilty of it somehow. # 3 I have been treated like a criminal or something and I havent done anything. According to your latest letter regarding my rights this information can not remain on my history for more than 1 year.

# 4 I wish to withdraw from your agency. It has done more harm than good. I know my current credit scores and have worked over 2 years on getting letters of credit from  companies i have paid. I have had a score of 0. No Credit!!! I have paid off 3 mortgages, several vehicles and have lost a business due to fraud. Im sick of this and of the entire usa that allows this with no recourse. ( XXXX XXXX, XXXX XXXX ) on and on and the people getting screwed never see any recourse or compensation for the damage others are doing. What a XXXX hole this country is!! STOP FRAUD
For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$370.00}.
My lien was paid and released in XXXX 2015, I sent in documentation per the Mississippi Dept of Revenue website that a paid lien can be removed from my credit bureau report. I sent in the lien release form as well as printed documentation from the website and they still refuse to remove the tax lien.
I made arrangement with a XXXX over the phone a few weeks ago to start the process of paying back a debt we owe on a past credit card. I agreed to a {$31.00} payment to start on a monthly good faith payment of {$50.00} once a month. Then he asked for an additional {$300.00} and wanted my bank account number and routing number, I told him no, I do n't give that out over the phone or internet. He understood, and then I told him to call me the following week for me to see if we could pay that {$300.00} due to the holidays. They went ahead and took out that {$300.00} with out my authorization. I called them back right away and talked with a XXXX and he stated that they needed 7 working days for that to be put back into my account. This was on XX/XX/2016, we still have not received that money as of today XX/XX/2016. I even asked to hear the recorded conversation from my first agreement with XXXX just to make sure that I stated no on the {$300.00} and they could not and did not produce that recording for me to hear. I was told by XXXX I was being recorded. I currently have XXXX bank doing a Fraud investigation in this matter but wanted to file this too just in case we have to sue Midland Credit for poor business practice and fraud. This action put my wife and I in a bind for the holidays and our bills.
Every day of the work week, they call up to XXXX times and normally do them one right after another at my work number. They do n't leave a message.
Frequent or repeated harassment. Pen credit corporation continues to call me in an attempt to collect a debt not owed. I asked them to stop calling several times.
My   XXXX   credit report shows a collections in the amount of {$150.00} from Synd Offic opened on XX/XX/XXXX . I have made several attempts to obtain information about this claim. I 've contacted both the company and the credit bureau requesting them to send me proof of this debt, and to remove this incorrect information from my credit reporting. I never got a response from neither. In  XX/XX/XXXX  I resent this request as certified mail and still no reply. In  XX/XX/XXXX  I sent a follow-up letter to check the status of my request but no one has contacted me regarding this issue.
Despite several request, to send a written statment, reflecting the reasons for closing my accounts, Citibank has failed to send such of letter.
All the informations that I have so far, are from the bank employees.
***I WANT TO HAVE A WRITTEN STATEMENT FROM CITI BANK, STATING WHY CITIBANK HAS SUDDENLY CLOSE MY TO ACOUNTS.
<P/>
****THIS WAS NO ACCIDENT.
JPMorgan Chase offered me a balance transfer with a 0 % promotional APR. I was in a rut debt-wise, so this came as a godsend as it would help me pay off my debt faster by avoiding interest payments. Before I took the offer, however, I asked questions regarding how transferring over a balance from another card to my Chase Unlimited Freedom Card card would affect the balance that was already on the card. I was specifically and repeatedly told that the minimum payment due will go to the balance with the lowest APR, and that any further payments beyond that would go toward my highest APR balances. I asked to confirm that if I were to pay the total purchases balance for the month that I would not be charged interest and I was told that that was correct. 

This is the reason I took advantage of the offer in the first place, as balance transfers are done to save on interest payments. I had a pretty hefty transfer, so there is no way I can pay it off in any short time-period. This basically means I have to not use the card anymore or face extra interest payments. I wanted to continue using the Unlimited Freedom card because it earned 1.5 % in cash back rewards but if I am charged interest regardless, there is no amount of money I can spend where it'd be worth it, as the effective monthly interest rate is higher than my rewards rate. I would have NEVER transferred over the balance if I was not lied to and told that I could ensure that interest charges would not occur by paying my monthly purchase balance. 

I have already faced hundreds in additional charges, which has made this balance transfer more expensive than simply leaving the balance on my prior card.
Hello, I am looking for an attorney to review my realestate case.
I had been working with NACA, ( counselor : XXXX XXXX ),, Which is funded by HUD. They promise no down payment, 3.5 % interest rate, no closing costs and poor credit ok and loans up to 150 % of appraisal to make improvements. ( I lost all my rentals and my primary house in XX/XX/XXXXhousing crises/ predatory lending and was forced to file bankruptcy ) I bought a house on land contract with {$3000.00} down and 7 % interest, ballon in 5 years which was XX/XX/XXXX.
You have to go to pay for membership with NACA and go to meetings, volunteer and complete extensive paperwork. I completed my paperwork beginning XX/XX/XXXX and completed in XX/XX/XXXX I was promised my loan info would go to under writing and within 10 days I would hear back of closing. As far as I know my loan never went to under writing. I have called left messages, sent emails then complained to Member services and then received an email asking for updated bank statements. Now the office does n't even answer my calls or respond to email. I do n't know if I am being discriminated as throughout the whole process I have not seen another XXXX.
My landlord is stating he will be forced to start legal action. Now I am being forced into getting a loan thru XXXX XXXX ( who is a cousin of my land lord ), with high interest rate with several thousand in fees and no additions money to fix and insulate this house.
I appreciate any help you can give me. Please call/email once reviewed.
Thank you for your help in advance.
Sincerely, XXXX XXXX
In XXXX, I got a joint loan with my now Ex Husband. I was and still am primary on that loan. In XXXX we divorced, In my divorce agreement it states clearly that I 'm not in anyway shape or form responsible form this property. So quick claimed it to my ex husband. All of this all occurred in XXXX. Fast forward to XXXX. 
2 years after my divorce. My Ex Husband Modified the original loan " which I to this day am still primary on the loan ''. He, without my knowledge, consent, or signature filed it and it was Granted by Chase Bank. I am a single mother of XXXX who until a few days ago " XXXX '' had no idea he had done this. He modified the terms to 540 months on the loan with a fluctuating interest rate. I finally after 7 years of divorce am able to buy my own home but due to this modified loan I cant do anything and Chase is telling they did n't need my signature, constant or knowledge. They said since he has a quick claim deed from me to him that they were able to do that. But I 'm still on the loan yet all the terms have changed. Yet I never agreed to them. 
How could they do that? And why cant they take me off the loan since I have n't agreed to any of the new terms? I need this looked into please its preventing me from continuing my life. I cant even buy a car. 
And now I stuck with a 45 year Mortgage with 4.785 % that fluctuates yearly. I 'm XXXX and do n't know who to turn to. 
And chase says my ex can do whatever he wants to because of the quick claim deed but I cant do anything.
I have a problem with XXXX loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also XXXX loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even XXXX years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans. The companies are XXXX XXXX XXXX and XXXX XXXX and XXXX and XXXX : XXXX
I have a XXXX mortgage with Bank Of America. I have been for the last 10 years showing them that I am not in a flood zone. I have pulled flood certification directly from FEMA showing I am in Zone " XXXX '' that does not require flood insurance. They have always come back and stated I am getting forced paid flood insurance. I do not on my XXXX. mortgage have flood insurance as the lender if XXXX XXXX and state I am not in a flood zone. I am not able to sell my home as I would have to state in flood zone, I am not able to refi my XXXX to get away from them as my value will not come in. They told me I need to get a letter from FEMA /LOMA . In order to get FEMA to give me a letter as they stated I am in zone " XXXX '' I need to get an engineer to provide grades. I finally saved the money to get this completed this year. The engineer came out to my house and stated you are not in a flood zone. Your structure is the highest on your block. I stated I know as no one on either side of my home needs to have flood insurance but Bank of America tells me I do need it. The engineer completed the paper work, I paid the money. I then sent in all my paper work to FEMA and FEMA sent me the LOMA. The letter stated that I am in zone " XXXX '' and that my structure for my home is in flood zone " XXXX ''. I sent everything over to Bank Of America several times with in the past 4 months and Bank of America keeps sending me the same letter for what I need to do to get out of a flood zone and not have forced place insurance on my home. This is very stress full as I did what they told me, I have been going round and round with them for the past 10 years. I need help, I can not sell my home as would have to state I am in a flood zone on the Illinois state Real estate disclosures, I do n't have the money to pay them off out right and ca n't refi as I am still upside down like most on my value of home. Please I need someone to help me as this is not correct. I have done everything and provide proof over the years to show I am in zone " XXXX ''. They have added on money to my amount I owe them in my balance to cover the force placed insurance over the years. Please help me as I am not in a flood zone.
Loan was paid off on XX/XX/2018 at Wells Fargo XXXX Branch, Washington. 

Was informed that title will be mailed in 4-6 weeks. 

Contacted WellsFargo on XX/XX/2018. They again said that it will take additional 4-6 weeks and would not do anything to rush that process I feel struck in the situation, as DMV said they can rush the title if they want, since its the fault of processing on Wells Fargo part, they should rush the title to me so I can move with my life.