WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint about my credit card company called Capital One ( phone numbers : XXXX, XXXX ) They have failed to provide credits for a transaction that I have been disputing since XX/XX/2018. 

In brief, I am attempting to receive full credit for {$660.00} from my Credit Card company called Capital One. This amount resulted from an automatic transaction made by a merchant called XXXX. This credit card transaction occurred on XX/XX/2018. 

On XX/XX/2018 I received an email from the XXXX merchant. This email stated that I received a refund of {$200.00} referencing the above XX/XX/XXXX transaction. I subsequently determined that this refund was not reflected on my credit card. Therefore, I contacted the merchant and was told that I needed a letter from Capital One to confirm that the credit was not applied. 

I contacted Capital One on XX/XX/2018 in order to request the letter for the merchant. Capital One stated that they do not provide letters and the only recourse is to issue a charge-back for that amount. The charge back was issued for the amount that was supposed to be refunded {$200.00}. 

When the merchant received the charge back they suspended my account. Referencing the email dated XX/XX/2018 from the merchant called XXXX billing ... they admit that my " refund for {$200.00} was not successfully processed. '' Up to this point I have done nothing except follow the directions from the merchant and Capital One. My account is now effectively closed through no fault of my own and I expect a full refund of {$660.00}. 

I have received credits totaling {$430.00} against the debit transaction of {$660.00}. This leaves {$220.00} unaccounted for. Over a period of 6 months I have called Capital One approximately 9 times regarding this disputed transaction and the unaccounted for amount of {$220.00}. Many of those calls ( but not all ) are documented as follows : Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX hour XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX hour, XXXX minutes During many of my calls to Capital One I have been told ( again and again ) that the merchant would have 45 days to respond to any dispute. And yet this has dragged on for 6 months. On XX/XX/2018 I uploaded supporting documents to Capital One. Obviously, we are now far beyond the 45 days. I can provide a recording of the XX/XX/XXXX call to Capital One. As I have indicated many times, I still need a credit for {$220.00} to resolve this dispute. 
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Collection agency is listed on credit report and attempting to collect a debt that is involved in the cramming class action suit. Please have AFNI first verify that they are allowed to collect any debt and provide a detailed modified bill of actual monies owed considering the cramming charges.
FIA CARD SERVICES - XXXX, this company keeps calling several times a day, after talking to a live person, explaining to them that we do not have an account with them or have any past due account and to stop calling, they continue to call. They claim they are calling from Bank of America. We told them we DO NOT HAVE AN ACCOUNT with Bank of America or past due amount with anybody. 
They continue to call several times DAILY. They are calling for the correct person BUT we never have any account with the company they are calling from. THEY START ASKING FOR OUR SOCIAL SECURITY NUMBER AND THEY WANT US TO VERIFY THE PHONE NUMBER THEY ARE CALLING. THE CALL IS ALWAYS AN AUTOMATED MACHINE.
I graduated from college in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was not notified about ANYTHING from XXXX or Navinet about my loans with their company. I stayed up to date with their offices, and they knew where I was and how to contact me. They never called me, mailed anything, or even attempted to reach me by email for 8 YEARS! Suddenly in XX/XX/XXXX and XX/XX/XXXX I was harassed that I owed out the nose, was given no alternatives for repayments or potions other than {$1500.00} a month or a " reduced payment '' of {$500.00} a month that would extend my loan until XX/XX/XXXX. 
I barely make anything and have to live with family to pay my loans. more than 60 % of my income a month goes to Navinet to repay the loan, and they offered no alternatives. They harassed my co-signer, and they threaten legal actions. I requested what options they could give me and was told more than once " We are a private loan company. We do not have to offer ANY programs and can take you to court to freeze your assets until you are paid off. '' With their actions I borrowed {$50000.00} and will repay nearly {$200000.00} now due to their FAILURE to contact me. They even threatened to take legal actions again my mother, who co-signed for {$10000.00}, and is now estranged from me because of the hostile actions of this company. THey refuse to acknowledge that I am on a low income and keep telling me that I need to find a better job. I already work 40+ hours a week for {$12.00} an hour, where do they expect me to find better work WHEN I CAN NOT GO BACK TO COLLEGE BECAUSE OF THEIR ACTIONS AGAINST ME?
My wife and I currently have a XXXX and XXXX mortgage on our home. The XXXX mortgage is with XXXX and the XXXX with Suntrust Bank, In XXXX my wife file for chapter XXXX and it was granted. We immediately contacted the lenders to ask for assistance, XXXX was a challenge but your agency assisted us and we were able to obtain a loan modification, we are current with XXXX and have no late payments. The second lender Suntrust was more difficult as they only offered to transfer the entire balance to interest only. for the past 3 years the interest only payment was {$110.00} and we would pay {$200.00} monthly. Today XXXX/XXXX/XXXX we received the monthly statement and the payment has increased to {$400.00}, W e received no warning to this change. We are asking for the agency 's assistance to investigate this sudden change and if Suntrust would look into another solution for us. We struggle each month to make payments but have been making them and on time. I am not computer savy but my wife did save the emails from Suntrust Bank from XXXX to XXXX XXXX - loan officer NML # XXXX that requested hardship notification. Suntrust in XXXX/XXXX/XXXX made XXXX XXXX from the Equity line Modification division the final point of contact sending an email stating that the entire balance was transferred to INTEREST ONLY OPTION.. That email was received on XXXX/XXXX/XXXX. We have even attempted to refinance the mortgages to XXXX lender XXXX since the have the primary but after speaking to a loan officer we were told that due to my wife 's XXXX bankruptcy the loan was NOT REAFFIRMED. The bankruptcy attorney told us that a REAFFIRMATION was not necessary 6 years later and that XXXX was not interested in doing the refinance that would have consolidated the debt and made the monthly payment still within our budget. The SUNTRUST account no. is XXXX. The XXXX account no, is XXXX, We have received Dodd Frank packets from XXXX at least XXXX times and have completed and sent the documents XXXX times, We have never received those documents from Suntrust nor do we know that they should be in compliance with the act. all we want is to keep our home and with payments that we can keep managing. The best contact number for us is XXXX and the email is XXXXXXXXXXXX. We look forward to any helpful information/ assistance the agency can provide. Sincerely, XXXX and XXXX XXXX
I have disputed incorrect address on my credit report ; XXXX XXXX XXXX, XXXX, TN. I am requesting that XXXX provide he source of who is reporting this information on my credit reports.
I have a loan with FTB/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FTB/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
There are several inquires on my credit report that I do not recognize. They are as follows ; -XXXX/XXXX  XX/XX/2018 -XXXX  XXXX   XX/XX/2018 -XXXX  XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX -XXXX/XXXX  XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX  XXXX XX/XX/2018 -XXXX  XXXX   XX/XX/2018 -XXXX  XXXX  XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX   XX/XX/2018
CRA VIOLATION / NO KNOWLEDGE OF INACCURATE LATE PAYMENT AND FRAUDULENT XXXX XXXX ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I applied for XXXX XXXX XXXX XXXX by Citi on XX/XX/2018, and get a response what my application is under review asking to call Citi for more details. I called them XX/XX/XXXX and they said they require additional documents from me, one of the following : US passport, Permanent Residence Card ( " green card '' ) or voter card.

I'm resident alien in the US on H1B visa with valid SSN but I don't have any of this documents : I'm not a US citizen to have a passport or voter card and I don't have a green card either. They neither decline my application nor approve it.

I called them to check if there is a mistake in data and they accidentally have US citizenship for me in the file and they responded - no.

I have a few other credit cards with different banks and I have an excellent credit history and I never was asked to have a permanent resident card or the US citizenship to apply for credit card.

Moreover, there is no such information on terms and conditions page for this credit card
I have disputed an account named XXXX XXXX in the amount of {$110.00} with transunion as I have no contract with this company. They did not extend any credit to me. I have no dealings with them but yet they continue to report this inaccurate and unverified account. I want documents showing that they have in their files showing this belongs to me under the FCRA 15 U.S.C 1681g. If this can not be verified by this credit reporting agency it must be promptly removed under the FCRA 15 U.S.C 1681i. This is the law
Inquiries were removed from my transunion credit file and added back. 
There was no 5 day notice given to me the consumer. This is a violation on FCRA Section XXXX. Inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Portfolio Recovery continues to collect on debts that were charged off XX/XX/XXXX it is 9 years later and they still continue by callilng from different phone numbers and states. They called last week and again on XXXX/XXXX/XXXX at XXXX.
Recived email stating I will have to go to disrtict court and must pay now or recive a {$5000.00} law suit.
On XXXX/XXXX/XXXX at XXXX am, my co-worker said I had a call and the persons name was XXXX XXXX. I spoke with the person and she informed me that she is a debt collector for My Quick Wallet. I explained to not call me at work and she said that if I responded back to the calls she would n't have to call me at work. I hung up, she then called me back XXXX more times at work in a row. I called My Quick Wallet and asked if this normal steps to collect a debt. He said yes and that she was not doing anything wrong and she was following the proper steps to collect a debt. So I got no where with the company.
I opened a Credit Card account in XX/XX/XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX in late XX/XX/XXXX and in XX/XX/XXXX I received a letter saying that I was being sued for this debt but in XXXX, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with XXXX XXXX and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XX/XX/XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is violating my rights. Statute of Limitations in XXXX is 3 yrs and XXXX is 10 yrs.
There was an account on my credit report listed with a different collection agency for XXXX XXXX. Because I knew the account was inaccurate, I disputed the account and requested validation of what they were reporting and the prior collection agency deleted the account on my credit report when I did this. Months following this collection agency deleting the account, I suddenly get an alert that a new collection agency is reporting the debt called Enhanced Recovery. I was never sent any sort of notification from this company that they had purchased the debt so I disputed the account again with Enhanced Recovery and they 've yet to respond to my dispute.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap, XXXX XXXX  XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX,
I have written several letters to the creditor ; XXXX and to TransUnion disputing the validity of the information that I found on my credit report. The first dispute letter was sent on XXXX XXXX disputing the claim. They received the letter on XXXX XXXX, 2016. At that time I asked for validation of the claim, some form of contract or signature bearing my name. Their response was that they had verified the claim with the creditor. But they failed to supply any written documentation or explanation who they spoke with and what means were used for validation. I sent a follow-up letter on XXXX XXXX, 2016 asking them to provide me with the name, address and phone number of the person ( s ) that they contacted at XXXX XXXX and gave them 15 days to respond. They have yet to send me anything. 
I have also sent letters to XXXX requesting the same information and they have failed to even respond. 
This clearly indicates that TransUnion could have not validated the information and is clearly not in compliance with the credit laws. XXXX and XXXX have both sent letters admitting that they could not verify and have deleted the information from my credit file.
Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations ... Their report # XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
I opened an online bank account with www.pnc.com a couple of months ago. It was suppose to be a free online checking account. I found that they charge me {$25.00} for 'service fee '. They refuse to refund this money.
I applied and received a boat loan though key bank in XX/XX/XXXX and it was for 15 years or XXXX payments.Over that period I received promotional correspondence of a skip a payment promotion which I took advantage of XXXX different times. How it worked was i would send Key Bank XXXX dollars and they would hold that payment and add it to the end of the loan term, which in essence would make it a XXXX payment loan as Key Bank describes it.My final payment was due this past XXXX, which i have n't paid as of yet, Because in XX/XX/XXXX Key Bank contacted me that my final payment which i thought would been the same as the other XXXX payments of XXXX dollars was going to be in excess of XXXX dollars because I took advantage of the promotional skip a payment program, which they claim those XXXX payments had been accruing interest from the time i skipped those payments.Now I do have XXXX of these promotional letters with the mail in coupon at the bottom this promotion did not take advantage of at the time, also will attempt forward it to you in my documentation. This to me is DECEITFUL and not a promotion and consumers including myself should be aware of these slight of hand practices ... .Please help me with this situation.
I am a victim of Indentity theft. Someone compromised my information and files taxes in my name back in 2010 and every since then I have been having issues. Majority of them have been cleared but Equifax ( mainly ) and XXXX refuse to remove incorrect information from my credit report. The information does not belong to me. I did not search for credit, authorize my credit to be ran, not provided and signatures or validation for this information to be on my reports. Specially a collection account XXXX. I must have had this account disputed a million times with Equifax. And each time they refused to remove it. They said all of my information matches. Well of course it would since someone stole my information! Recently I have had almost 20 or more inquiries within the last 60 days that I did not do. XXXX  investigated and removed them but EQUIFAX AND XXXX refuse to do so. I need this information removed immediately! I've sent letters to XXXX, XXXX & XXXX and they refuse bc they state that its policy. Please someone help. There should be an identity theft affidavit on file for me. I filed it with the IRS and the FTC back in 2010. Help! 

XXXX XXXX 's XXXX XXXX
I contacted XXXX and received a response from XXXX XXXX XXXX which I assumed is XXXX parent company.They could not or would not give me information on the reason they ask to see my credit report. I never heard of XXXX. XXXX XXXX XXXX advised me to have the credit reporting agency ( EXPERIAN ) investagate this but they should have know why they inquiried my credit report.
I applied for the Public Service Loan Forgiveness program in XX/XX/XXXX, as soon as the program was established. I was approved, but told that there was no documentation to be provided until I had made my 120 consecutive payments. I had made several calls in years following, with the same response. 
I transferred my loans to Direct Loans in XX/XX/XXXX, as I was informed that this was the only way I would continue to qualify for the PSLF. 
My 10 year/120 payment date was XX/XX/XXXX. In calling several months prior to be sure everything was in order, I was told that XXXX did not have anything in their records that I had even applied or been approved. 
I re-applied after being told that they could possibly backdate it so that my 120 payments would be considered. 
I was then told that my Direct Loan did not qualify me for the PSLF, and that I must consolidate once again to an income driven payment plan. I did this ( which raised my monthly payments ), and am now being told that none of my payments for the past 10 years will be counted. 
I have a list of documented phone calls, with each customer service rep 's " explanation '' and information. The above description does not even include the multiple times I was told my application was not received ( that was mailed/faxed a total of 4x ), that they were " waiting to hear from my employer '' ( when my HR director spoke to them on the phone in person ), and so many, many other discrepancies. My most recent phone call indicated a " long list of reasons that your previous payments do not count '', including 'deferment, default, change in employer, etc. '. None of these are true ... I have worked for the same employer for 10+ years, and had automatic withdrawal from my checking account every single month, never late, never missing a payment. In explaining this to the customer service rep, I was told that my case would have to go through a " review '' that would take at least 60 days. When asked for him to provide me a copy of my payment history ( which one rep said " disappears once you transfer your loan '' ) and/or the list of " problems '' that were on my account, he indicated that this information could not be provided to me. 

My loans should have been forgiven in XX/XX/XXXX, or at least backdated and be in the process of being forgiven. I am now starting back at square one with my very first payment being counted as last month, XX/XX/XXXX. I am XXXX XXXX XXXX, have been working 2 jobs my entire life, have sacrificed having a family, and have jumped through all of the hoops that have been required in order to qualify for this PSLF program. Every time I speak with an employee of XXXX  or PSLF I receive different, vague explanations. I have documentation of dates and descriptions of phone calls along with representatives names and ID # and all email/mail correspondences if needed. I am attaching documentation of my 10+ years of student loan payments. Any assistance in this issue would be appreciated.
I had agreed to pay Wells Fargo {$150.00} a month until my account was paid in full. When the account got with in a few XXXX I tried to call and pay it in full. I was not allowed because I did n't know the work number that they had on file since the account was several years old. The customer service people said it was fraud since I could n't give them that piece of information. I then waited for normal monthly payments to come out. It was down to {$42.00} which I mailed a check in for but they debited my account {$150.00}. They overdraw my account and refused to give me the overdraft charged by my bank because this error was my fault. My answer was that how can it be my fault to assume when an account is paid in full I should not have debts come out. So, 30 mins later I had to accept to wait 14 days for my money back and that they would not reimburse me for my mistake of assuming they would n't take extra money. In addition to the lost money and the waiting 2 weeks for my money back I lost an hour from work that I did n't get paid for. Wells Fargo on the other hand made what XXXX B last quarter alone. Please investigate their services. Between the lack of communication, the slowness in applying funds and the over collection I feel they are guilty of other larger discrepancies that break cfpb regulations.
In XXXX of 2016, A major flood disaster occurred in the XXXX XXXX XXXX area where I live, Both President Obama and Governor XXXX XXXX XXXX issued a declaration of federal disaster. 
Mail service was sporatic at best and still is. I did everything I could to stay on top of my debts, With mail being an issue, I did miss a few payments, CBNA Sears Account number XXXX refused to give me a deletion of the late payment in XXXX. I sopoke to them on several occasions and they said a natural disaster was no reason to be late on a {$27.00} payment. They were rude and condescending about this debt, I paid the account off, and then they arbitrarily closed the account. I am asking for the law to be followed on credit reporting after a natural disaster.
I received a US Bank Business Edge Platinum card for each my wife and I with a {$200.00} US Bank rewards card for spending {$1000.00} during the first 90 days of opening the account. Upon doing so I called in twice and was told both times there was no {$200.00} reward attached to this card. I informed her during the call on XX/XX/XXXX to close the account if this was the case. 

I then filed a complaint with CFPB and was sent a letter stating there apologies for any confusion when I contacted them and that there was indeed a {$200.00} reward attached to each card if {$1000.00} was spent on each card, not a combination between cards. It stated my card was still open and eligible but my wife 's had been closed and because so is not eligible. 

I called in today to ask if it could be reactivated since it has {$760.00} towards the qualifying {$1000.00} already spent on it. I have until XX/XX/XXXX before the 90 days is up. If I was n't misinformed on the phone call on XX/XX/XXXX I never would have closed it. She said I would have to talk to a manager, which after being placed on hold said that none were available but that I would receive a call back from one. As of yet I have not.