WillisBack/dataset-financial-user-claim huggingface dataset:
I was issued a credit card application from Capitol One, I filled out the form and was granted the card. After opening the card, I changed addresses. 

At this point Capitol One called me and said they needed some additional information from me, after the card had been issued and I had begun using it. 

They said there were some " Issues '' they need to make sure were worked out, and refused to elaborate. 

I was given a fax number to send proof of my address and identity to, at XXXX of their departments. 

After faxing them the information XXXX times, from a XXXX, this department claimed they could not read the information on the fax. 

I confirmed there was indeed no issue with the fax machine being used, and deduced the problem was on the end of Capitol One. 

After faxing from a different fax machine the documents, they still said they could n't read them. 

Having no choice I asked if I could email the files, and they said they did n't have that option. 

I began calling different departments at Capitol One to find out what the problem was, and was basically told they suspected the card had been opened illegally. 

I said, let me just pay the balance on the card and be done with it. 

They said I could n't do that, because they had to verify who would be paying. 

As I was unable to prove my identity to them through their department 's incompetence, I left it out of mind briefly and Capitol One immediately sent the account to a collections agency. 

This agency never contacted me, and I found out about it only though pulling my credit report. 

Capitol One made it impossible for me to pay my own credit card balance and impossible to resolve whatever suspicions they had about my own identity on their end.
Company name : Monterey collection sv XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct XXXX show me that you are licensed to collect in my state ; Texas. Your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
I HAD AN XXXX LEXUS FINANCED THRU LEXUS FINANCAL XXXX. IT BURNED UP ON WAY HOME AND XXXX PAID ALL BUT XXXX OFF. I HAD PURCHASED A GAP POLICY FROM XXXX TOYOA, WHEN I BOUGHT T IT WAS A U.W.C GAP POLICY OWNE D BY XXXX XXXX THAY REFUSED TO PAY CLAIM OR REFUNF MY MONEY FOR IT I PAID TO RESOLVE BALANCE. LEXUS TOYOTA FINANCIAL IS RUINING MY CREDIT WITH LATE PAYMENTS AND COLLECTION ACTIVITYS
Back in XX/XX/2018, two accounts through XXXX XXXX XXXX XXXX appeared in my credit report showing charge-off/delinquent. These accounts were previously removed from my report due to dispute. One of the accounts was removed from my equifax report but the other one still exists on there. The two accounts still remain on my TransUnion report. This error has caused me to be declined when trying to obtain new credit lines/accounts due to the affect it has on my credit.
I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the GM Financial account to be removed from my account.
Band of America Credit Card History of this issue is : XX/XX/XXXX a charge showed up on my credit card for XXXX from XXXX XXXX XXXX XX/XX/XXXX The Credit Card Company was called and a dispute of the charge started. 
XX/XX/XXXX we received a letter saying the dispute was settled and a credit was given to the credit card account. 
XX/XX/XXXX 7 of 7 boxes were delivered to our house via XXXX. I was out of town so my husband not knowing what was coming for the holidays signed for the boxes. 
XX/XX/XXXX I called the credit card company to tell them packages were delivered but again neither my husband or I placed the order the representative said the case was closed and to do nothing at this point. 

XX/XX/XXXX we received a letter saying there was no fraud and we were responsible for the XXXX. The charge was placed back on our credit card We called the fraud department back and they said we were to return the items to get a refund. I said I don't know who to return the items to and who will pay the shipping cost. We tried looking up the company on line sending emails, used several phone numbers for contacting the sender to no avail. Once in a while you will speak with someone and they direct you to their email or they just hang up. Some of the phone numbers are routed to a recording that has a menu of prompts to win a beach vacation. No response from emails have ever been acknowledged. 

XX/XX/XXXX we called Bank of America Fraud Department and we were told the case has been reopened. 
XX/XX/XXXX I called Bank of America and said she reopened the case, the representative called the senders numbers provided and she was hung up on 2 times. 
XX/XX/XXXX my husband called Bank of America and he was told we can't speak to anyone in Fraud department about our case but he would re-open the case. 

1 ) How can I be sure my fraud case is really still open and the charge on my card will be removed with any interest accumulated? 
2 ) I would love to send the merchandise back to XXXX XXXX XXXX but not only will they not communicate with me but not the CC card company.
I believe Wells Fargo had unaccounted for the fact that I was not part of the Homestead Exemption Scheme of which I am now. I believe Wells Fargo had fix my monthly mortgage repayments to reflect that fact that I have applied for this scheme just as the previous owners had done so. Once I was over a year and a half living in my home I got a message saying that there was a shortage in my escrow account and that I was due to pay just over {$3800.00}. 
I understand how the escrow system works and also understand the process of the automatic payments they make on my behalf to the relative county tax service. What I am unsure of is how a bank can set a fixed 30 year loan and not realize that they made a mistake and then pass it back on to the consumer. I know that mortgages even though they are fixed can fluctuate due to property tax increases and the such, but not over {$400.00} a month. 
I would like to know if the bank is the one liable to pay for this money considering they seem to be the ones who made the mistake and did not make me aware of this Homestead Exemption at any time. 
I have contacted my local tax assessors office and they have looked into my property and noted that I am due a refund, however this refund barely covers the total costs that Wells Fargo is saying I owe them
I leased a 2015 Subaru Crosstrek XX/XX/XXXX. Chase Auto Finance is the financial company handling the lease financing for Subaru. My contract states that my payments are due on the XXXX of each month. In XXXX XXXX I logged into the Chase Financial website and set up a recurring auto-payment of {$420.00} to be automatically deducted from XXXX XXXX XXXX checking account. I also chose the " paperless '' statement option to receive my monthly statement via email. To date I have not received a single e-mail -- or any correspondence for that matter -- from Chase Auto Finance. 

On XXXX XXXX, XXXX I received an automated phone call from Chase informing me that my payment was past due. Noting that my payments were made automatically and that I had NEVER received a call from Chase before regarding the status of my lease, I was concerned. 

I was connected to a customer service representative and was informed that my payment was 18 days past due and that I had accumulated {$200.00} in late fees over the course of the last 8 months. I was informed that EVERY SINGLE AUTO-PAYMENT I HAD MADE WAS LATE. 

I stated that : A. My contract states that my payments are due on the XXXX of each month ; B. My payments had automatically been deducted on the XXXX of each of the prior 8 months, and ; C. Inquired as to why I was hearing from Chase after 8 MONTHS of late payments? 

Chase, knowing that my payments were allegedly late, simply churned my account for {$200.00} in late fees. The representative confirmed that there were no records indicating that Chase had ever made an attempt to contact me about my late payments or the late charges that were accruing on my account each month. 

With a simple phone call, letter or email I could have simply changed the date of my auto-payment to the correct date and avoided all of this. 

I asked why would Chase 's online system allow me to set up an auto-payment that was later than the due date? The representative flatly informed that that this " is not a Chase problem, you are responsible for knowing your contract payment date. '' I asked why, if I was past due EVERY MONTH for the LAST EIGHT MONTHS did it take Chase so long to contact me about this issue? Again, I was informed that this " was not Chase 's responsibility and that contacting me at all was a courtesy. '' It is my contention that Chase knew that my payments were erroneously set up past the due date and they chose to use this as an opportunity to generate late fees on my account, period. Chase has failed to send me a single statement ( via email or regular mail ). I had not received any communication from Chase about this or any other matter regarding my account. As such, I assumed that my account was in good standing. This was all completely avoidable has Chase chosen to communicate with me about this issue. Instead, Chase waited NINE MONTHS to bring this matter to my attention. 

I have changed my auto-payment date to the XXXX day of each month to avoide further complications. This was not necessary as MY CONTRACT STATES MY PAYMENT DATE IS THE XXXX OF EACH MONTH.
I booked plane tickets for {$390.00} back in XXXX. XXXX cancelled my purchase. I rebooked for $ XXXX ( I don't have the exact price, but I can get it ) and asked XXXX to honor the price of {$390.00}, when they didn't and I cancelled that purchase. I disputed the charges with Barclay Elite MasterCard, because they farm out their customer service, the rep, who didn't completely understand English, didn't quite understand my dispute and she only credited me with {$290.00} dollars. As of today, I am still have not been refunded the other {$390.00}. The dispute started XX/XX/18. I have called every month. Each time I have called I speak to at least 10 people. I can not speak to a manager 's manager. They refuse. Right now I'm waiting for a callback. In XXXX, they told me that my case is still open, and I today as I'm doing my monthly check, I just got notified that my case has been closed seen XXXX. They have refused to start arbitration as asked countless time. They ask me for paperwork, and I told them that I shouldn't have to do paperwork for their mistake. I just asked for the call logs because they said I haven't called since XXXX.
I am writing to dispute the following information in my file. I recently received a copy of my Equifax, XXXX & XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  11/21
A caller from XXXX routinely calls my cell phone attempting to solicit information related to a credit card service. I have repeatedly attempted to opt out of the calls by selecting the automated option to " opt out '' in addition to confirming that I registered my cell phone for the National Do Not Call Registry on XX/XX/2013. 

Today I received another call from this same company and selected the option to speak to a representative. When the representative answered he stated he was with Visa Credit Card Services. I informed him he was calling my cell phone and that I had previously opted out on several occasions. He responded stating " go XXXX  yourself you XXXX XXXX '' then he hung up. I called the number back and asked for his name and employer id number which he refused to provide and hung up again. 

I have contacted Visa to report this issue and was informed this caller was not affiliated with Visa Credit Card Services. Instead, Visa alleges this is a fraudulent company who has obtained Visa 's customer information and is attempting to use it for fraud activities.
Contacted Diversified Consultants on ( XXXX {$1200.00} and XXXX {$480.00} ) and advised that i never had an account at the address services was rendered at and i would like to have it removed and i reported to the credit bureuas that i the address is not mine. I have lived with my mom for over 25 years.
XXXX, account number XXXX is wrongfully appearing on my XXXX and TRANSUNION credit bureau reports.I have never ordered or used a XXXX account.It is highly probable that it is the result of identity theft.In early XX/XX/2015 my car window was broken and my purse inside was stolen.The XXXX XXXX Police Department came out and  made a report.Inside my purse was all my ID and credit cards. 
I have had this problem on a number of accounts not opened by me.
this is in fact a follow up to my resent complaint, and after careful review of Ocwen Loan Servicing, LLC there are a number of fraudulent and misleading errors in violation of the Fair Debt Collections Act, mainly, the numerous amounts of paperwork submitted to the Consumer Financial Protection Bureau in which this agency was designed to protect consumers from abuse from mega banks and agencies from the practices gleamed here. mainly the affidavits filed were robo-signed a practice condemned by federal agencies, furthermore, there are a number of holes and gaps in the title chain transfer apparently prior to Ocwen claiming ownership or service connections. The failure to record the required documents accurately undermines and even invalidate the transfer altogether. There are a number of lump-sum payments made by me during the mortgage process which are fraudulently non reflective in any of the vas amounts of paperwork submitted to the CFPB buy Ocwen. I contend that Ocwen has and continue to engage in an illegal foreclosure action as this agency is well aware of the tactics used by Ocwen. it is well settled that every Deed should contain 1. An indication that it is a Deed, 2. Description, 3. Signature of the individual or entity that is transferring the property, 4. Data regarding who is taking title to the property, and 5.  Validly delivered to new individual. These holes and gaps in the chain of title and payments demonstrate fraudulent activity and brings into question of who actually owns the mortgage and has standing to foreclose on said mortgage. In 2010, it was revealed that several large banks routinely used affidavits signed by employees who did not personally review the documents and had no basis tor believing that the homeowner was in default or that the bank owned the loan. Employees for financial giants like XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX have all testified that they signed many thousand of  affidavits a month, spending about 30 seconds on each affidavit, and that they didn't have a clue regarding the veracity of the affidavit or the documents in question-hence the name " robo-signers ''. Since this scandal broke, it has been revealed that SERVICERS robo-signed all kinds of foreclosure documents besides affidavits, like assignments of mortgage and other documents needed to foreclose. Banks can not legally foreclose on a house if the foreclosure paperwork is not in order, as is the facts here, there has been robo-signers which is illegal and in this instance the demonstrably false and illegal faulty paperwork being submitted by Ocwen or any other can not demonstrate the veracity of the necessary documents.
I 've been having payroll deposit my bi-monthly check deposited into my prepaid rush card for 6 years. Begining XXXX/XXXX/15 I have not been able to access my funds. After calling all this past weekend and being hung up on most of the time, I finally got through to a live person and was told thhere is no pending deposit on my account. Yesterday I spoke with payroll at my employers HR department and they confirmed it had been sent like always. I have a small amount deducted from each pay go into a savings account at a local credit union and those funds were available. I am constantly told by rush card that they do not see a deposit and to keep checking. This is the XXXX day I have not been able to access my funds and have had to borrow money to pay light bill and have a car payment due accumulating late fees.
Wells Fargo signed me up for a credit card without my permission. I am wondering if I can get the credit card and all the things that affected my credit wiped off. And if I close the credit card, will it affect my credit?
I contacted XXXX XXXX XXXX To set up a payment plan too pay off a {$5100.00} debt for the AAFES Military Star Card . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the Military Star Card. So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated. Thank you
Requested my annual credit report from all three major bureaus back in XX/XX/XXXX. However, when I received my report ( # XXXX ) from Equifax dated XX/XX/XXXX it had someone else 's SSN, DOB,  and different variation of my name and wrong middle initial. I called Equifax the same day and was told they did not see a problem. I again tried to submit a complaint and refute the information ; to which they said wasn't their fault and I would have to pay to be corrected. I called them months later on XX/XX/XXXX requesting an update to my complaint ; to which, again told nothing they can do about it even after submitting documents and having my credit report locked previously. The result of Equifax 's acknowledgment of data breach ; allowing me to see a partial credit report but unable to dispute anything. Transferred multiple times and departments without any resolution. I called Experian and XXXX who confirmed none of my information was incorrect but that Equifax had generated new alias in my name as result of their mistake. This is causing an issue verifying who I am with my bank and other institutions and possible employers who may use Equifax to furnish background and consumer credit information. I have attached documents that support my identity that Equifax has refused to acknowledge while the other two credit bureaus handled and accepted.
I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ev ery 2 to 3 m onths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.
I have contact my lender (   XXXX   ) numerous times concerning the delinquent mud tax for my home. I have faxed the tax document twice and emailed it on   XXXX    XXXX ,2017. They have given me the runaround and have not paid the tax. There has been interest and penalties attached to the bill.
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Delinquent Taxes for Account [ Incident :  XXXX  ]
I was notified by Midwest Recovery Systems, LLC. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX Hospital which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX Billing Dept. and  processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as XXXX XXXX XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.