WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 branch associates at Capital One in XXXX New York encouraged me to open a 360 account  with Capital One to access more ATMs. I agreed. I opened the account online. Soon thereafter Capital One froze and locked me out of my online banking account ( ending in XXXX ). I called the technology helpful line between 3 to 5 times, reported the issue and asked that my request for access be restored.. I also wrote to Capital One via its investors relations email on its webpage. I was told by technology that my access would be restored. No access restored and no call back. I had to go to the XXXX New York branch more than once to request printed copy of statements. 
Eventually the lack of online access forced me to close my account. I could not track my debits, credits or liabilities. Till this date, no call from Capital One. I have been a customer for approximately 23 years. Now Capital One has sent me letters regarding a {$130.00} debit. This debit was traceable to Capital One 's breach of federal regulations in locking my account without notice, refusing to restore access and til today not contacting me. 
XXXX XXXX
I have been having the same issue with these company I have tried to refinance my home and each time they report the inquiry incorrectly they are required to report them as XXXX as long as they all fall within the one month time frame, there should be no more than XXXX inquiries on my report. Transunion has placed information on my report that has alredy been disputed and corrected there should be not missed or late payments on my trans union report ( XXXX ). 

Incorrect information on my credit report Account termsCreditor name/info, balance, payment, etc. 
Account statusPaid bill on time, account closed, etc. 
Reinserted previously deleted informatio
In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from XXXX  XXXX XXXX with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by Alpha Recovery Corp. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact Alpha Recovery Corp to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by XXXX  XXXX XXXX? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!
We paid monthly mortgage in XXXX installments ( XXXX payment every 2 weeks ). It was sent directly from our checking account XXXX biz days prior to due date. 
Worked great until XXXX 2016. At that time, DiTech began to send us past due notices, as their computer system was not recognizing the second payment. Despite the fact we paid mortgage plus an additional ~ {$400.00} to principle, late fees were added every month. Then Collections agencies started calling and showing up at our door. Our home was threatened with foreclosure. And yet, we had never missed a payment nor had a late payment. DiTech continues to harass us for this same issue month after month, despite many many calls to their Customer Service. Each call confirms that DiTech has received our payment on time and promises corrective action in their systems! But yet, the cycle starts again the next month. Unbelievable!
This company is calling my relatives and leaving messages regarding my " case '' number. I have no idea who they are, but I do know that this tactic is illegal.
I never had business with either of these companies and truly have no idea who they are..I do not owe this debt. You need to get this XXXX off my credit report immediately as it is damaging to me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
XXXX SHOULD NOT BE ON MY CREDIT FILE. IT HAS BEEN REMOVED FROM THE CREDITOR. AFTER MY DISPUTE WAS SUBMITTED XX/XX/2017 AND INVESTIGATION WAS CONPLETED. I RECEIVED A CONFIRMATION LETTER OF REMOVAL FROM THE CREDITOR XX/XX/2017.IT WAS REMOVED BY TRANSUNION.THEN PLACED BACK ON MY CREDIT FILE FOR UNKNOWN REASONS. ALSO LISTED AS A COLLECTION. WHICH IS INCORRECT
NYCB clearly believes it 's mortgage servicing " policies '' are above Federal Laws.
In the case of a Decedent - NYCB literally, put in WRITING, in a reply back to my first complaint filed with the CFPB : They " had told me already that they do not accept delegations '' from a United States Court Appointed Personal Representative regarding loan information. So sorry, but - what?? The Legal, court appointed, stand in for a XXXX person has no delegation rights over a mortgage loan with NYCB? On what planet would this be considered legal? Let alone Humanly Decent? To make this stance even more deplorable, it is a FALSE statement. They did NOT tell me that they did not accept a Personal Representative 's delegations, AND I WAS able to speak to an NYCB representative regarding this loan account with the Personal Representative 's permission and transfer over the phone. So which is it? They DO accept delegations, or they DO N'T? Was the phone transfer not a delegation? I 'm confused, are you? NYCB blatantly made these statements, back to a CFPB complaint, in writing! . Additionally, NYCB has already very clearly violated at least 5 Federal Laws, and then had the audacity to completely skirt their violations, and make additional irrelevant, as well as more false and misleading statements in their reply back to my first CFPB Complaint. Do not trust this Mortgage Servicer to provide information that is anywhere in the vicinity of the truth. They violate Federal Laws with abandon, and clearly have no respect for the US Legal System, or human beings. If that 's not enough, they will flat out lie. Oh, yes, AND NYCB will attempt to, or get away with, illegally taking your real estate - while doing it.
What is this complaint about? 
When applying for a car loan the credit report from XXXX/Equifax is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now. 

What type of problem are you having? 
Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records. 

What happened? 
I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity. 

What company is this complaint about? 
Equifax, XXXX, and XXXX. 

Who are the people involved? 
XXXX, XXXX.
Wells Fargo is in violation from XXXX XXXX XXXX XXXX. in XXXX, TX : VIOLATION # 1 : This locations told me that I need to get a Power of Attorney in order to sign for my husband 's checks. 

The violator : XXXX XXXX between X/2017 - X/2017 VIOLATION # 2 : I was severely inconvenienced.

VIOLATION # 3 : My husband NO LONGER HAS A CHECKING ACCOUNT with Wells Fargo which in the negative of - {$260.00} or so because I could NOTEver get a Joint Banking Account. 

They have gone against bank regulations regarding who can sign for husband 's or wives according to the Consumer Finance Protection Bureau. SEE ATTACHED DOCUMENTS. Police Incident Report is a LEGAL DOCUMENT IN WHICH MY HUSBAND STATES TO THE POLICE THAT I AM HIS WIFE. 

In passing I ran into an attorney, who said all I have to do is open an account for my husband and I. Show the necessary legal document showing that were married. And that I do n't need a POA to sign for my husband because I am his spouse. 


I am the agent. Anyone after a spouse would have to get a POA. There is a clause that protects you as " the spouse ''. 

*********NOWHERE DOES THIS STATE THAT I NEED A POWER OF ATTORNEY**** The banks need to be exposed for not honoring the fact that you are his wife. He does not have to be there to sign. You are not committing fraud because you are getting what you are entitled to 50 % which your portion of the community property. This law is located in the Texas Penal Code. Not only is the bank going against CFPB but the TEXAS PENAL CODE. You are NOT forging his name either you both are married and that means ONE. Verifiable : Screenshot of CFPB bank regulations.
This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired. 

They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep. 

This debt has been passed through XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore. 

We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.
Please see : XXXX : XXXX XXXX XXXX XXXX Overview Website XXXX XX/XX/2018 Helpful ( XXXX ) XXXX XXXX XXXX `XXXX These people are scam artists that prey on innocent people seeking employment in an attempt to steal their identity. '' Current Employee - Customer Service Representative in XXXX XXXX, CA Doesn't Recommend Negative Outlook Disapproves of CEO I have been working at XXXX XXXX XXXX full-time ( Less than a year ) Pros There are no Pros to this job posting whatsoever!!! These people are professional con artists who are using this employment scheme to gain access top innocent peoples banking information and identification number Cons They will contact you and offer you a lucrative position within their fake company. Once they confirm you are hired for a non existent position they will send you a check for {$5000.00} or more to purchase materials in hopes that you deposit the check that will eventually bounce but they have already obtained your banking information and they ask you for a copy of your state identification card to add you to their Show More Advice to Management XXXX should really screen these posting and make sure they are valid reputable employers before allowing these postings to fall prey on to unsuspecting individuals. If you have been scammed by these people report them to your local law enforcement agencies ASAP as well as the XXXX
Today I got letter from XXXX about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the XXXX credit file. 

How is that????
Only your failure to respond has resulted in your case being processed this call is to inform you that you have one full business day and which to rectify this matter, Please Advise you must call by XXXX to at XXXX XXXX You may Call XXXX again that is XXXX?
sent police report and ftc taking more than 30 days cra violations Not mine inquires XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX
XXXX XXXX XXXX notified me on XX/XX/XXXX that the interest rate on my consolidated loan in XX/XX/XXXX was going up from 5.5 % to 5.625 %. My balance is approximately {$210000.00} so it is a significant change. The letter stated no reason for why the interest rate was going up as it was supposed to be a fixed rate consolidated loan, not a floating rate. When I called, the customer service department stated that at the time of the consolidation of the loan in XX/XX/XXXX, the interest rate on one of the loans that was consolidated was published incorrectly back in XX/XX/XXXX and as a result the rate overall was now incorrect. There was no explanation on why the mistake from XX/XX/XXXX was only discovered in XX/XX/XXXX or why it was not discovered back during consolidation in XX/XX/XXXX. 

I fear that I am being ripped off here and I asked them to put the explanation in writing. I was told by the customer service person that they would request their manager to be able to put this reason in writing. I do not know if they will actually do this but I 'm hopeful. I 'm not sure which published interest rate they are talking about and why this mistake could only have been discovered now.
I have been battling with Equifax for over one year now with disputing over and over an account that was as a result of identity theft. They claim that it 's been verified but that impossible because I never lived at what apartment that company XXXX says and I was in a different city. So basically Equifax looks like they have a business relationship with XXXX and they get paid to keep items on credit reports NO MATTER WHAT. This is very upsetting, and I hope Equifax 's will try to help some of those people that need it. It 's been over 30 days and I still have not received the procedures for verified account, and they 've been dragging on the past sometimes the 45-day mark. I 've attached a police report and other stuff. That this place said, they needed. 

Thank you CFPB! Please keep finding Equifax for deceptive practice!
Experian is refusing to remove a false claim against me off of my credit record. Experian has received a false claim from XXXX XXXX XXXX and XXXX XXXX ; after I disputed, Experian agrees with the liars!
I have applied for XXXX/XXXX Visa and every time I apply they decline because 1 ) Unable to find credit file 2 ) Unable to verify identity. In fact I have received Unable to verify identification XXXX   months in a row. My Name, Fraud Alert Number, Address, all match.

This is the game they play with someone who has a Fraud Alert on your Credit Report ( Your basically treated like a criminal ). You fill out application all information matching credit bureaus and number also matching they ask that I call to process further processes application and eventually transfer me to the Fraud Department. They advise that I will receive a letter and it requestes to call XXXX to further process the application and they transfer me to the Fraud Department again I I hear wait for a letter once I get letter XXXX/XXXX XXXX XXXX XXXX too.
XXXX  has requested a credit inquiry for times now.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   and I just received ANOTHER credit inquiry from  XXXX   XXXX ,  XXXX   ( reference numbe r  XXXX  ). I have called them each time to have this removed because I did not request credit with them or  XXXX  ( which is what is on the denial lette r ). Ea ch time they state it will be removed but never is. I also filed a dispute with Equifax the last time in  XXXX  and they simply added a note to my account. I believe this to be fraudulent activity on the part of  XXXX  because they have been notified by me each time. I do not know what to do to have them cease this activity and it is impacting my credit negatively.
Transunion is selling a " rental screening program '' that they rate applicants and provide credit and background screening on for landlords. After being turned down by 2 landlords, they provided me with the report they received from " Transunion SmartMove '' program and found out much of the information was wrong! Here are the items that were wrong and had a negative affect on my Transunion " scoring '' system they use and provide to their landlords using the service. 
-Current Employer, and income amount WRONG and state the landlords that I'm not being truthful on my employment and amount of income I make. 
-Current credit discrepancies ( loan balances, monthly loan amounts due, open credit amounts, and use " inquiries '' as a negative whether any loan or credit has been opened from any institution who may have " inquired '' ) With today 's online application companies, one online app can get sent to MANY co. for review, etc and it should be a negative just because of that. 
- Transunion told me it is NOT their responsbility to provide accurate information to their client for which their landlord " smartmove '' service, but rather everything is up to me to ensure that their information they have about me is correct -even though I wasn't given that chance prior to them providing all of it to their landlord and providing their service of rating and recommendations as well - all based on inaccurate information, and information that they claim to not have the responsibility to verify the validity or correctness of.
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am writing to file a formal complaint on noted company due to the fact I have been making payments religiously on my Capitol One account .. I had payment arrangments via XXXX XXXX XXXX XXXX XXXX company. My payments were sent on time each month. I contacted XXXX XXXX XXXX today and they stated my final payment was sent on XX/XX/XXXX which means this account has been paid in full. Capitol One immediately turned around and reported to the Credit bureaus that I had the following late history. -- Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX I contacted Capitol One today to try and resolve the matter. They stated I needed to go through the dispute process. I currently have a dispute on this company regarding reporting ; so could not readily file another dispute unless bia mail. 

I am currently in the process of appyling for a mortage and was working diligently on repairing my credit. This recent report in the middle of my credit filing caused my current credit score to drop 114 points causing me to possibly lose approval for housing. They are incorrect in this filing in so much I was never late like this and it is not fair for them to file this status on my credit report.
A fraudulent account was opened in my name at an address I have never lived at. I first found out about it in a collection letter that was mailed to my real address. I contacted XXXX XXXX the account ) spoke to their fraud department, was issued a escalation ticket, filled out and returned to them with supporting documents they requested. XXXX received documents, closed the ticket and 5 months later, I received another collection letter. I called XXXX back, they confirmed the documents were received, the ticket closed and they will notify the collection agency. I called the collection agency gave them my facts, they said XXXX has not notified them, will close and send it back to XXXX. Fast forward to today, 10 months later I receive another collection letter from another collection company, same XXXX account number, same $ amount. I have spent the last XXXX hours on the phone with XXXX going from department to department with no resolution. Finally I was connected to the FTC who suggested I contact this bureau for resolution.
I received a notice of d ebt ( File No.  :  XXXX  ; Acco unt No.  :  XXXX  ; Amount : {$1200.00} ) from  Rausch , Sturm , Israel , Emerson & Hornik LLC (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   ,  WI  XXXX  ) in  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I sent a letter certified, return receipt requested  (   USPS Tracking No.   XXXX  ), disputing the validity of the claim and requested verification of the alleged debt. The letter was received on Rausch on  XXXX   XXXX ,  XXXX . I never received any response.     On  XXXX   XXXX ,  XXXX , Rausch filed a small claims action against me in  XXXX   XXXX , WI  (   XXXX   ). I  appeared in court on  XXXX   XXXX ,  XXXX  and again disputed the validity of the claims and requested verification of the alleged debt. I have appeared in court  three tim es to date and  Rausch  still has not provided the requested verification ( they have provided an account statement for an account I have never had, and for which I have provided proof that it does not match the account I had with the company ). I am now required to appear in court yet a fourth time.     This action was taken in violation of the FDC PA Sec. 809 ( b ) as Rausch was notified in writing within the thirty-day period described in subsection 809 ( a ) that the debt, or any portion thereof, is disputed, and the debt collector failed to obtain or provide  verification of the debt to me.