WillisBack/dataset-financial-user-claim huggingface dataset:
I feel harassed by the Capital One credit card division. In the last 30 days I have received two emails form Capital One stating as below ( in quotes, italicized ) : " Our fraud defenses flagged one or more purchase ( s ) below as unusual for your VISA SIGNATURE card ending in XXXX. Do you or an authorized user recognize these purchases? If we 've already spoken about this, you can ignore this email. 

Some things to consider when reviewing your purchases : If a dollar amount differs from your record, it could be a pre-authorization. For example, many gas stations pre-authorize an amount ( usually between $ XXXX- {$75.00} ) because they do n't know how much gas you 'll pump. 
If a purchase is legitimate but you want to cancel it, you have to contact the merchant directly '' Email XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX, XXXX XXXX XXXX {$20.00} XXXX XXXX, XXXX XXXX XXXX {$13.00} XXXX XXXX, XXXX XXXX # XXXX {$21.00} Email XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX, XXXX XXXX {$26.00} XXXX XXXX, XXXX XXXX XXXX # XXXX {$13.00} XXXX XXXX, XXXX XXXX # XXXX {$84.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$50.00} In my opinion, there is nothing unusual or suspicious about the listed transactions, as these are recurring payments ( such as XXXX or XXXX ) or purchases in the XXXX miles radius from the place where I live. My FICO credit score is above XXXX. I had paid in full the card balance listed in each statement since the commencement of the card, so I assume that is a reason that for Capital One may label me as a " bad customer '' who can not be charged late fees and interest. I have over XXXX reward points for my purchases on my Capital One credit card. 
In my opinion, Capital One is making consolidated efforts to take away these reward points by discouraging me from normal use of my credit card. On XXXX XXXX, XXXX I had spoken twice with Capital One Customer Service supervisors asking why I am getting cited emails and which transactions are suspicious. Last conversation was with XXXX, ID # XXXX. Neither supervisor was able to explain why I am getting emails, and which transaction triggers it. However, they confirmed that my credit card might be suspended if I do not validate transactions listed in the email. In both conversations my request for a written explanation was denied. Agents of Capital One also denied fixing an issue and any written assurance that Capital One will make any necessary steps to avoid closing accounts and sending emails for non-specified reasons. 
I am finding the actions of Capital One as a consistent and elevated effort to violate card agreement by the discouragement of customers like me to use their accounts and gain rewards that are part of the agreement, or to further to take away reward points. 
In summary, I am asking The Bureau of Consumer Financial Protection to record my complaint and possibly check if Capital One 's practices fall into standards of the banking industry.
I sent out a debt validation letter to Diversified Consultants on XX/XX/2018 asking for them to validate debt. Today XX/XX/2018 I received a letter from Diversified Consultants with just a bill inside, that is not validation. When I mentioned validation I was referring to a signed contract with my signature.
TCF National Bank cashed a check for someone who stole it. The check was written to my cousin for her wedding two years ago.
JH Portfolio Debt Equity is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. XXXX XXXX refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. JH Portfolio has issued trades lines on my credit bureau listing.
The account listed is for  XXXX   XXXX , my name ie  XXXX   XXXX   XXXX . My social security number was used and I have never received service from this provider.
I called USAA about their repeated mailings. They are interminably sending offers to my self and my wife for both insurance and credit card offers. I wanted to be taken off their marketing mailing lists. We do not have a relationship with USAA When I called them, their CSR stated that he could not help me because I " don't have an account number or profile number ''. 

Stating the obvious, I said I don't have either of those but I do have my address and the other info on the latest offer for a USAA XXXX card. He apologized for the inconvenience but couldn't help me. 

After asking to speak with someone up the food chain, he went off and, after some time, said the same thing : " Sorry, I can't help you without a profile or account number ''. 

That is ludicrous. I am in their database or I would not be calling. An account number comes AFTER I establish a relationship. Not before.
I called navient because I was falling behind on my loan payments. They told me I already had deferred them too much. I told them them I was still in school but they did n't care, I needed to start paying my private loans already. So we made and agreement that they would charge automatically from my bank acounnt XXXX dollars on the XXXX of each month and I stuck with it for a year. 
I lost my job after that year and I could n't afford to have money withdrawn every month so I stopped the plan and let them know. They said I had 60 days before my account would reach deliquency. When that happened I talked to them again and asked if we could start that auto payment option again. They agreed and they charged me XXXX again in XX/XX/XXXX. They said I had to call again to really set up. I did it for XX/XX/XXXX. They told me that on XX/XX/XXXX they would charge me XXXX but after that on the XXXX they would start charging me a different set amount. The lady I spoke to said she was n't sure how much yet. The XXXX came and nothing. They did not withdraw the XXXX dollars. They are now saying i am 77 days in deliquency and that I owe them XXXX dollars on XX/XX/XXXX even though we discussed that there was no way I could make payments like that because that is more than what I make a month. They had already told me that once we started the auto pay option that would not be a problem. Yet this does not show up in the system at all! And they never charged me the XXXX dollars they said they were going to charge me. It 's as if that phone call never happened. What bothers me is that they acted like they were willing to work with me but they never followed through. I 'm frustrated with these people. I 'm not sure if I can trust them anymore. They claim to work with the student and they did for awhile but it seems now they do n't want to. Why do they act like they are working with you when they are not?
I ordered an electric fireplace from Ginny '' s credit card. The product was defective and was retreturned and I requested my account to be refunded for payments made and credited for the defective product. 
I telephoned Ginny '' s credit department and was told that they will not refund they {$75.00} payments that were paid in XXXX XXXX, 2015 and they will hold they XXXX that I paid in XXXX for XXXX says. 
This appears to be predatory practices and theft by taking, as I have returned all products that belong to Ginny '' s due to manufacture defect, but they refuse to return my money. 
I am XXXX and XXXX and need help with this issue because Ginny '' s transferred me to there different people in different departments, all to no avail.
I am re-financing my mortgage ( hopefully ) and I needed to review my credit report. I was able to access XXXX and XXXX, but unable to access Experian. I tried XXXX Internet portals, but could never get beyond the first page where I provided my personal information. Both sites took me back to the first page repeatedly. I called and spoke with XXXX at Experian. She was unable to help me although she did try. Since I am entitled to one free report per year, this is ridiculous. I notice that others have complained about the same issue. A consumer reporting agency should not have to be called to task. I give them a score of XXXX.
My former company failed to provide me with options when my husband lost his income due to work injury and later on job loss. This put us in a financial bind where I was told I could not get deferred payments or forbearance. All that eventually led to me being defaulted on my loans. I was sent to yet another company where I had payments taken directly from my checking to rehabilitate my loans. All went well and a year later I was out of default.

That leads me to my current situation with Navient. I received an email from them stating they were my new loan service provider. And I should expect someone to contact me soon.

That was in XX/XX/2017 I waited a couple weeks finally calling them myself. I found out the day I called them that my first payment of {$1200.00} was due that very day. Not having {$1200.00} just lying around, I asked what the grace period was and was not given a direct answer. I told them my husband 's income, but did not go through the income based repayment options. After stating what

his income was she said it dropped it by about {$100.00}. I stated there was no way I could pay over {$1000.00} a month. But I was wondering what my other options were. I was never given the opportunity to see if I qualified for IBR or and other kind of reduction in payments. I had tried to do all this via phone calls. Multiple times. I've tried to log into my account and request a temporary forbearance and everytime I begin the process I am logged out. I've tried to do the same but with IBR and again, I get logged out of my account. So now, I am past due on my account. Because I am past due, Navient is asking for all payments to be brought current immediately before I can explore any other options. I will keep calling until I can hopefully find a decent person to help reduce my loan payments.
On XXXX XXXX, 2015, XXXX payments posted onto my Capital One credit card. I only authorized XXXX of these payments. After speaking with XXXX, a manager, on XXXX XXXX, she stated that they would go ahead and perform an expedited funds transfer back to my payment account for XXXX of the payments. This transfer was to take 2-3 business days. I confirmed that this request was put in when I called back on XXXX XXXX and spoke with XXXX, another account supervisor. She assured me that the funds would be in my payment account no later than XXXX XXXX. It has now been four business days ( XXXX XXXX ) since the request has been submitted. The funds have not been transferred and the payment has yet to be reversed off the credit card account. My financial institution clears all incoming ACHs around XXXX EST. When I called Capital One on the morning of XXXX XXXX they stated that there are no account supervisors to further discuss the delay in these funds being transferred. Once again I confirmed the timeframe of 2-3 business days and she said I was correct. XXXX XXXX is a federal holiday and then the weekend follows, which will further delay these funds being transferred since there are very limited kinds of ACHs that may or may not clear on these days. I was told to call back in a few hours when an account supervisor will be available to assist me since the regular customer service representatives have no further information to pass along. I received the normal apology and empathy from the representative that all customer service reps are trained to display, but received no further information than the payment was still applied to the account.
Ad Astra claims i owe their client XXXX XXXX a {$310.00} for some kind of loan i never got.I filed a complaint against them here recently to which they said that they still believed the debt was mine and that they sent me some kind of proof, which of course I did n't get.They also said that if i really was a victim of identity theft to file a report with the FCRA and contact them and they will remove it.I did call them numerous times and sent them a copy of the report i filed with the FCR, report # XXXX but instead of removing this collection they keep reposting it to my CR 's!!!!!
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
I opened a Bank of America eBanking checking account in XX/XX/XXXX. This account charges no monthly fee as long as no teller services are used, and this fact is not disputed by Bank of America. At the beginning of XX/XX/XXXX, my account was involuntarily converted to a Bank of America Core Checking account with a XXXX monthly fee. I received no notice of this conversion, and in no way acknowledged or authorized the conversion. XXXX monthly fees have been charged to my account, on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 

I noticed the monthly fees in XXXX and went into a Bank of America branch, where the manager stated I had to call in to have the fees waived and the accounts closed. I called the number he gave me, and spoke with a supervisor. The supervisor stated that all " eBanking '' accounts had been converted to accounts with monthly fees, and that the bank had a general policy of sending letters and emails about the conversion. However, the supervisor said that the bank could not provide any records of specifically having sent me a letter or email about the conversion. 

I never received a letter notifying me of the account conversion, and I searched my email inbox, archives, and trash and did not find any email from Bank of America regarding the account conversion. If I had received notice of the conversion, I would have declined and immediately closed the account. 

The supervisor stated that she could not reverse the XXXX monthly fees, but that she would pass my case to a manager for resolution within XXXX business days. One week later, I have heard nothing from Bank of America and the fees have not been reversed.
XXXX needs to be removed as an authorized user. I have called multiple times trying to get him removed as a user. Every time they tell me they are not allowed to remove him because the account is closed and they can not and will not remove him. This is not his card this is solely my card and my responsibility and I would really like him removed from my account. Every time I called I was on hold for at least 30 mins and  kept being redirected only to get the same end result.
Applied for a mortgage with quicken loans my credit pulled up as XXXX XXXX XXXX and got a pre approval letter then was told I had active disputes witch I definitely did not was only dispute comments from old disputes so they had me remove them and re pulled my credit once again and middle number was XXXX and their is this program out their XXXX to XXXX buy had to remove other dispute comments and they prob will have to run my credit again witch will drop my score again
SUMMARY : US Bank refuses to honor the signup bonus per the terms and conditions I applied under, and as a result ( intentionally or unintentionally ) baited me into paying a {$400.00} annual fee for a card with a promotional offer that would not be honored.

DETAILS : On XX/XX/XXXX - I applied for the " US Bank Visa Infinite Altitude Reserve '' card. I was approved for the card on or around XX/XX/XXXX. The card advertises a " XXXX US Bank point bonus after spending {$4500.00} on the card within the first 90 days of card membership ''. The terms and conditions stated at time of signup : " One-time XXXX  bonus Points will be awarded when you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and after eligible Net Purchases totaling {$4500.00} or more are made to your account within 90 days from account opening. Points are earned on qualifying Net Purchases. " Net Purchases '' are purchases minus credits and returns. Please allow 68 weeks for your bonus Points to be credited to your Account. You are eligible to receive one-time bonus Points for each new U.S. Bank Altitude Reserve Visa Infinite account type. Existing and previous U.S. Bank Altitude Reserve Visa Infinite accounts are not eligible for bonus Points for a similar account type. One-time bonus Points do not apply toward account upgrades. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Reserve Visa Infinite Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. " I later called to verify this sign up bonus. It was verified as valid by Customer service.

I then received an email re-iterating the terms and conditions, and promotional offer on XX/XX/XXXX. Some time later, in theXX/XX/XXXX statement period, I completed the requirements ( spending {$4500.00} on the card ). I called customer service in XXXX, and was told I would get the bonus points on the XXXX statement.

When the XXXX   statement posted - I did not receive the bonus points, as promised. So I called customer support again on XX/XX/XXXX. I was told by a supervisory customer support representative that I was not eligible for the points because I had the card previously. The terms and conditions of the offer state clearly : " You are eligible to receive one-time bonus Points for each new U.S. Bank Altitude Reserve Visa Infinite account type ''. The Supervisor acknowledged that this was correct, however refused to honor the promotional offer. As a result, I requested to close the card, and have the annual fee refunded but was told that an annual fee was refundable only within the first 30 days.

I have attached : ( 1 ) The email received on XX/XX/XXXXstating that I would receive the bonus after spending {$4500.00} in 90 days. ( XXXX  ) ( 2 ) The US Bank altitude promotional offer as shown on the web-page I applied on datedXX/XX/XXXX. ( XXXX  ) ( 3 ) A screenshot of the terms and conditions ( as stated on the page I applied via ) datedXX/XX/XXXX. ( XXXX )
1 ) Subsequent to the loss of my debit business card which of course was timely reported to my bank under regulations E, I have not as to date received immediate returns of my funds as requested under banking regulations. 
2 ) There have been numerous UNAUTHORIZED CHARGES which were not made and unauthorized by me and or my business entity.
I was contacted by a Wells Fargo debt collector regarding status of a loan of which I did not have information on. I requested info of which the caller was unable to provide me with I received a letter on XXXX XXXX, 2016 from the Executive Office stating I would be mailed more info by XXXX XXXX, 2016. It is now XXXX XXXX and I have not received any info.
I have a chase credit card account that has low rates due to balance transfers that are fixed until it is paid. Several different transfers were made at different rates. The balance of the portion of my account with an interest rate at 4.99 % was {$2400.00} as of my statement date XX/XX/XXXX. The balance on that portion of my account has grown to {$3100.00} as of XX/XX/XXXX. I have made extra payments and can not tell where any of those payments have been applied to this balance portion of the account. This has been the highest rate portion of the account.
I have contacted both XXXX  and Transunion regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXX and XX/XX/XXXX.

I was not late on those months.
Per court order divorce agreement ex husband assumed XXXX XXXX XXXX XXXX XXXX. I was released from the loan on XX/XX/2018. The account balance was still showing as owned on my credit reports in XXXX, so I called XXXX  XXXX XXXX. Apparently they had not reported that I was no longer on the loan and assured me that my release from the loan would be reported to the credit bureaus by XX/XX/2018. On XX/XX/XXXX I called one of the credit bureau Equifax and they said that the release from the loan had not been reported. I've been back and forth between the credit bureau and the bank over several phone calls. I been transferred to wrong departments and hung up on. The debt showing on my credit report is affecting my score. Also, I would think it's a privacy issue because I can tell how much he continues to pay on his loan and if he's making them on time. Equifax says the only way I can remove the debt from my credit report is to dispute it which will lower my credit score.
Please re-open complaint  XXXX  immediately. I have gotten no satisfaction. I 'm starting to think this department is completely automated.  US Bank stole several hundred dollars from me and I caught them red handed! I received one phone call from someone with the bank who essentially told me that I was out of luck because I was forced to close the US Bank account from which the funds were wrongfully deducted as a last resort measure to stop them from paying unauthorized recurring charges each month. I closed the account and opened another within the same 15 minute period and they suggested this was sufficient reason for them to get a way with not repaying the hundreds of dollars they stole.     Do not close this ticket until I get an explanation! The only answer they have given thus far is that they will look into it and get back to me in a couple of months! I have heard this before. If there is a live person reviewing these complaints please re-open my ticket!!!     Thank you  XXXX
I have a balance " apparently '' with Western Control Service. They 're a Debt collecting company for XXXX XXXX. This school ended up closing in 2016 for fraudulent reasonings.
I have since recently started monitoring my credit through XXXX XXXX. I see that they have this collection outstanding on me.
My first call to them was in the beginning of this year sometime to get them to validate/reduce/remove anything due to me not knowing about XXXX taking out a private loan on me, along with a federal student loan.
My last call to Western Control Service was Wednesday XX/XX/XXXX at around XXXX.
I asked them what I received for this balance and if they could provide me validation I ever signed for it.
They stated they did n't have that and could not provide it to me.
I asked how I can get this removed and the representative stated either pay it or get a lawyer.
I said well I may have to get a lawyer then, and he said okay well we can no longer talk to you about this account only your attorney. Even though I did n't get a lawyer and really do n't want to have to.