WillisBack/dataset-financial-user-claim huggingface dataset:
I had a business relationship with the owner of XXXX XXXX, XXXXOn or about XX/XX/XXXX, Capital One Bank ( USA ) N.A . made a solicitation to XXXX XXXX, XXXX. Upon verification and approval, on the front of the credit card, the words " Capital One Business Platinum '' are printed as well as " XXXX XXXX, L '' ( LC ). On the reverse side, the words " Capital One Small Business Solutions Center '' also appear. ( Exhibit XXXX ). 
2. Capital One 's Customer Agreement specifically states that this is a business account. Under the heading Business Purpose Account : " Your Account is a business Account that must be used only for business purposes. '' Capital One states under the Account Information clause that : " We maintain the right to restrict or close your Account if your information can not be verified or you do not provide additional information as requested. '' Capital One accepted the application for a business credit account under these terms. In filling out the application, it required my name, address and social security number. I did not provide the EIN number nor did Capital One contact me to verify the information or request that I provide the EIN number. 
( Exhibit A ) 3. It is alleged that Capital One has misrepresented itself and committed credit card fraud by leading me to believe that by applying and receiving this business account, I had corporate status protection as a limited liability corporation. At certain times, Capital One issued and billed the account to XXXX XXXX, XXXX. ( Exhibits XXXX, XXXX ) 7. I filed legal action against officers of XXXX XXXX, XXXX in Federal Bankruptcy Court ( Exhibit XXXX ) and received judgment against officers of XXXX XXXX, XXXX ( Exhibit XXXX ). I continued making good faith payments after having been promised by XXXX XXXX, XXXX that they would reimburse me for business related expanse as well as all amounts owed. When it became clear that the owners of XXXX XXXX, XXXX were not going to reimburse me for business related expenses, I was no longer able to make good faith payments to Capital One and defaulted. 
8. Capital One has pursued this issue relentlessly. Capital One claims that I am personally responsible for the corporate account issued to XXXX XXXX, XXXX. 
9. Capital One filed a lawsuit on XX/XX/XXXX and continue putting pressure either settle or go to trial. I can not afford an attorney and continue to maintain that I have corporate status protection under a limited liability corporation. According to CAL. CORP. CODE 17101 : ... no member of a limited liability company shall be personally liable under any judgment of a court, or in any other manner, for any debt, obligation, or liability of the limited liability company, whether that liability or obligation arises in contract, tort, or otherwise, solely by reason of being a member of the limited liability company. 

10. Capital One has relentlessly pursued the collections, ignoring the fact that they issued a business card to an limited liability corporation, yet the individual is responsible for the debt.
An hard inquiry was found on my credit report for a credit card from XXXX, XXXX credit card/XXXX which I didn't apply for. I called them to inform them to stop the transaction and remove it from my credit but they said they recognize what am talking about that i should called XXXX   which I did, XXXX referred back to XXXX. 
Please I need both of them to urgently stop the application, not to approved it and take it off my credit report as a hard inquiry
I provided Equifax with police reports proving identity theft as well as an out out Court settlement with  XXXX  Bank  (  also known as  XXXX  ) where they agreed to remove all  XXXX  Bank accounts from my report. Equifax has partially complied with removal, then reinserted information. Furthermore, they continue to report fraudulent, illegal credit inquiries that do not fall under fair use. These must be removed from my credit report.
Portfolio Recover is claiming to collect on accounts that have been charged off. There are no charge offs in my name under the claimed origional creditors as they have been paid in full years ago. The only thing that was sent as validation of these said accounts was 2 statements from XXXX of said accounts. That is not validation according to my consumer rights. They do not have any validation nor is any such said origional creditor an any credit report.
XXXX XXXX XXXX was issued a cease and desist letter from my states Department of Finance due to being illegal to operate and charging over 400 % interest. XXXX XXXX XXXX ignored this and continued to contact me. Then they placed negative information on my credit report. They 1st reported {$500.00}, now its ovey {$1100.00}. I need help getting this off of my Transunion report.
LendeLlive is a non bank mortgage service loan collector apparently. And.. since sending them documents and paymentunder the guise of another bank, they still are apparently the claimed servicer of a non-existent mortgage lien holding my name. 
They have requested modification documents from me and robo-signed returned copies
XXXX, there is incompetent unproven sloppy blunders, concerning this ongoing issue with a criminal slumlord, that tried to scam and cheat me with worthless unrentable property. THE facts and irrefutable proof is with the City of XXXX, CA Code Inspections DEPT. Took XXXX days and XXXX visits to get this imbecile accountable. XXXX XXXX. This fraudulent and stupid blunder stating the injured party ( myself and my wife ) was evicted by a bias retired judge is criminal and punitive. I have rented XXXX years never been evicted. I do n't start now because I met XXXX trying to scam me and obvious retaliatory ( illegal ) eviction. This incompetent idiot on the bench was reported to the California assigned judges program, PLUS this disgraceful XXXX of justice is now at the California XXXX XXXX XXXX for review of incompetent jurisprudence/bias. emphasis added. I 'm sure these same sloppy blunders are in my wifes credit file also. XXXX XXXX ( ALL ) XXXX credit agencies. These are all harmful, negative blunders. Contempt without investigation is a TORT violation in california.
EQUIFAX KEEP REPORTING THAT I OWE A BILL WITH XXXX BUT ON MANY ATTEMPTS I HAVE ASK THEM TO VALIDATE THERE ACCOUNT AN THEY HAVE HAVE FAIL TO. N NOW THEY HAVE PLACED THE ACCOUNT WITH COLLECTIONS XXXX
There were XXXX accounts from Navient that were removed from my credit reports and added back without proper notification. Please remove these items immediatley as they are in violation of the FCRA. 
Cited text under 611 - 15 U.S.C. 1681i ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
I have disputed twice now with Equifax regarding information on their reporting related to XXXX XXXX XXXX XXXX. Twice I sent in the FTC affidavit, police report, the federal guidelines, and my IDs disputing the same XXXX XXXX XXXX information with XXXX as the collecting agency for {$1900.00}. Once in XXXX XXXX and another in XXXX XXXX. Everything required of me by the guidelines on the FTC website, I followed. After filing in XXXX XXXX, they removed the fraudulent information, but then reinserted it. I filed another dispute, and they have not responded. XXXX and XXXX received the exact information, and they have already removed the fraudulent information -- and they informed me of the update. Equifax has never responded. All I got from Equifax was that it was under investigation -- this was back in XXXX of XXXX. To my dismay, I just found out on XXXX website that Equifax has not removed the fraudulent information that I disputed. 

2nd Complaint : I 've attempted to call and it is virtually impossible to get through. 

3rd Complaint : Equifax refuses to grant me access to receive my free credit report online once every 12 months per the Fair Credit Reporting Act ( FCRA ). Whenever I attempt, I keep getting a message that I need to call customer service. They had initially sent me a code to use to access online, and it gives me an error message. When I do call customer service, the hold time is incredibly long or unresponsive -- it 's borderline fantastical. I have attempted on different browsers and different PCs and still get the same error message. I have never had an issue with XXXX or XXXX. 

It 's been two attempts and 10 months since I initially submitted my dispute with Equifax. This is going on too long. Again, XXXX and XXXX received the exact same documentation and removed the fraudulent information. Equifax has not removed the fraudulent information, and Equifax has not even responded to me as to why it has not. The taste left in my mouth, this past year, is that Equifax either wishes me to not be able to check my credit report and/or they have no desire to remove fraudulent information from my file. In researching my complaint with Equifax , I 've come across other individuals who are just as equally dismayed at Equifax regarding everything contained therein this dispute. I notice that past fines and successful lawsuits have been assessed towards Equifax.
Company calls multiple times a day. When answered, often the person hangs up without speaking. The final straw was today when the phone calls began at XXXX which is outside of the XXXX XXXX XXXX call window. When I called back and informed them that they were harassing by calling outside of that window they informed me that I don't know what time it is. I informed the " gentleman '' that I am on Central Standard time in the FL XXXX and they should probably know what time it is before they begin harassing people for the day. I get no less that 2 phone calls a day from this number, and sometimes upwards of 4 or 5.
I paid XXXX XXXXXXXX {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. Syncrony was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.
In XXXX XXXX, I signed up for a Gold Delta SkyMiles credit card due to the promotional offer of XXXX Delta miles when spending {$1000.00} within 3 months. At some point in XXXX ( approximately XXXX ), when activating the card, I called and spoke with an agent who verified with me that I was in fact eligible for this bonus. The bonus was the reason I activated and used the card. If I were told there would be no bonus, I would never have used the card. Around XXXX XXXX, upon completing the minimum spend, I spoke with an agent who said that I had completed the requirements for the XXXX miles and stated it may take up to 6 weeks to receive the miles. Around XXXX XXXX, I had still not received the miles, so I again called and spoke with an agent, who again reiterated that I had earned the miles and that processing them may take some time. On or around XXXX/XXXX/XXXX, I did a chat on American Express 's website with XXXX, a supervisor, who told me that I was not actually eligible for the promotion ( despite what XXXX employees had previously told me ) but that they would conduct an investigation ( case XXXX ). I did not hear anything so in XXXX I did another online chat with an American Express agent, who said the case was still pending. I have still not heard back from American Express and the XXXX miles have not been deposited into my Delta frequent flyer account. 

The only reason I signed up for this card was to receive the bonus, and I was told I would receive the bonus by American Express employees - three times, no less - including before ever using the card. It 's time for American Express to live up to its promises and give me the XXXX miles.
Equifax XXXX/ XXXX is not my account in your report you state verified but looking at there report there is a lot of false or incomplete reporting on this account you have violations on this account.PLEASE REMOVE THIS ACCOUNT IT IS NOT MINE enclosed is the documents that clearly show there is not my account.ya ya ya the regular o it takes 30 days to reply
Viewed online my credit card information on XX/XX/18. Upon signing into and reviewing my account the statement reads " Enrolled in Repeat Payment '' ; below that it stated " No payment is required at this time ''. THIS INFORMATION IS FALSE AND MISREPRESENTS THE TRUE NATURE OF THE PAYMENT DUE. In fact a separate page lists the payment due on XX/XX/18. Barclays asserts that their statement " implies '' that because it lists " Enrolled in Repeat Payment '' that in fact " No payment is required at this time ''. FALSE. 

The crime here is the consumer, ( me ) might assume no payment is required and not list the upcoming required payment in their checkbook causing their balance to be overdrawn, causing overdraft penalties ; and they might inadvertently make a " late payment '' to the credit card company thus incurring late charges and/or interest charges from the credit card company. Furthermore this webpage also states, " Your scheduled payment of {$200.00} pays your statement balance of {$200.00} ''. It should more accurately state : " Your scheduled payment of {$200.00} ( due on XX/XX/18 ) pays your statement balance. A clear intent to mislead consumer for the benefit of Barclays.
I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XXXX and was told it would be resolved in a few days My current mortgage company called them again on XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.
I have had trouble with my Sams Club Mastercard, through Synchrony Bank, since Sams Club switched to it XX/XX/XXXX. I have used it at my local Walmart XX/XX/XXXX, and it was denied, I have tried using it when I traveled for work XX/XX/XXXX in XXXX it was denied, even though I contacted them through email to notify them of my travels. 

I filed a complaint with your office XX/XX/XXXX. 
I used it in XX/XX/XXXX, on a trip to Florida, after having notified them of my travels. I used it in a grocery store and was told of " suspicious '' activity, and they froze my account. 

This was the last straw, and I decided to not use this card anymore. 

As of XX/XX/XXXX my current " reward balance '' is {$240.00}. This amount should have been mailed to me by XX/XX/XXXX ... .I have not received it. 

This morning I talked to XXXX ( last name unknown ), from Synchrony Bank and tried to find out why I have n't received my money. He pretty much gave me the run around. I just would like to receive my {$240.00} and be done with this company. 

This company has been a thorn in my side, and I think their service is deplorable! 

I would appreciate any help in this matter that you could give me. 

Thank You
During the XXXX season of 2017, I opened a Macy 's credit card with a cashier because I was told I would get 75 % off the purchase if I did so. The interest rate was not disclosed to me at that time. In XXXX I received my first statement that said my interest rate was 26.99 %. I called XXXX 's customer service to close this credit card that I had not received in the mail yet after learning of the high interest rate. They told me there would be a fee of {$40.00}, and I said to charge my XXXX XXXX checking account. Later I looked at my bank account and saw a charge from Citibank for this amount. No where on any of the documentation for this credit card has there been anything stating my credit card is through Citibank. Because of this I filed a fraud claim against Citibank as I thought someone had hacked into my account. XXXX XXXX got me my money back. Later I received statements with late fees on my ( what I thought ) was closed card. I called XXXX 's to figure out why my card was not closed, and they told me the card had been reopened because my payment had bounced. This is when I found out that XXXX 's uses Citibanks card services. At this time I tried to call Citibank and disputed that their pull from my checking account was unclear because it should have said XXXX XXXX. I have since paid them back the money I originally owed plus 25 % which is {$47.00} but they want me to pay these late fees and interest rates that have been charged to me since I closed the account which add up to {$270.00}. This is unethical and they refuse to admit any wrongdoing.
I contacted Lexis Nexis about some incorrect information several months ago. They were not helpful. Nothing has changed with the credit reporting agencies.

They have me confused with my mother in law who used to live at my current address.

Now all the credit reporting agencies use HER information in their systems to check my identity when I try to log in. She is in her late XXXX  's and I need to have this cleared up.
Hello I just made a large payment of {$650.00} to my  XXXX  card two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section  623.
This has been disputed numerous times. I have not received any validation of the debt that I owe. No paper work showing my signature. The dispute was sent back in XXXX so it 's well past the 45 day time for the response for the validation of this debt. It has also been over the 4 years so the statue of limitations has past to collect on this debt per the state of Texas debt guidelines. I would like this removed from my credit report.
We have a timeshare at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. We were contacted by XXXX XXXX XXXX and XXXX XXXX XXXX saying that they have someone interested in buying shares in order to have voting privileges at the resort. We participated for a while, including sending a wire transfer and providing our drivers license copies to them. Then, we began researching the companies and became skeptical. They placed many phone calls to us, but once we asked for all communication to be via email, reimbursement for our expenses, and to void on the deal, their communication has ceased. We have not received a refund, after them saying it would take 25-30 days.
ON OR AROUND XX/XX/2016, I APPLIED FOR A CHASE CREDIT CARD THROUGH THE INTERNET. MY CREDIT SCORE WAS XXXX AND ABOVE, I AM WELL ESTABLISHED ON THE JOB AND HAVE A STABLE CREDIT HISTORY. HOWEVER, BECAUSE THERE WAS AN ALERT ON MY CREDIT FILE, CHASE CONTACTED ME THROUGH THE U.S. MAIL TO INFORM ME OF THIS. THEY INFORMED ME TO CONTACT THEM VIA TELEPHONE TO VERIFY MY IDENTITY. I WAS TOLD THAT THE ALERT ON MY FILE WAS THE REASON MY CREDIT CARD WAS NOT APPROVED. AND THAT IF I UPDATED MY CREDIT FILE WITH CONTACT INFORMATION OR CONTACT THEM VIA PHONE TO VERIFY MY IDENTITY, THEY WILL APPROVE MY APPLICATION, AS THIS ALERT WAS THE ONLY THING DELAYING THE APPROVAL. I EVEN MAILED IN A COPY OF MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD. ON OR AROUND XX/XX/2016, I CONTACTED CHASE VIA PHONE, PROVIDED MY INFORMATION AND COMPLIED WITH AND PASSED THEIR SECURITY CHECK. ON OR AROUND XX/XX/2016, I RECEIVED A DECLINE OF MY CREDIT APPLICATION, STATING ITS BECAUSE MY CREDIT WAS PULLED TOO MANY TIMES. CHASE 'S REASON FOR NOT APPROVING MY CREDIT IS BIAS/DISCRIMINATORY, EGREGIOUS AND CAPRICIOUS. CHASE LEAD ME TO BELIEVE THAT IF I PROVIDED ALL MY SECURITY INFORMATION OVER THE PHONE, PROVING THEM WITH DATE OF BIRTH, SS #, MOTHER 'S MAIDEN NAME, BANK INFORMATION, COLLEGE ATTENDING ETC., THAT MY CREDIT APPLICATION WOULD BE APPROVED. HOWEVER I WAS LIED TOO. I BELIEVE I HAVE BEEN DECEIVED AND FURTHERMORE, MY CREDIT SCORE HAS BEEN LOWERED BECAUSE OF THEIR INQUIRIES INTO MY ACCOUNT DESPITE THEM ALREADY DECIDING NOT TO APPROVE MY CREDIT CARD APPLICATION. NOW, MY CREDIT IS DAMAGED FOR THE NEXT 2 YEARS AND IF I REAPPLIED FOR A CREDIT CARD WITH CHASE, MY CREDIT SCORE WILL BE LOWERED AGAIN. ALL OF THIS HAS CAUSED A NEGATIVE IMPACT ON MY CREDIT.
Someone opened up a credit account in my name with XXXX XXXX. I informed the credit bureaus as well as the creditor that this account did not belong to me. They wrote back and said they have a name that matches my name and they verified the account. Im not sure what that means in terms of someone having the same name as me.