WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017, Capital One 360, an internet bank, closed my savings account without a court order or due process. They committed grand larceny. I want an investigation into why this incident occurred. They placed an electronic block on this account before they closed it. They also refused to provide bank statements.
This Company continues to report this account on my Credit file. i have disputed this over and over again, and this Agency continues to violate my FCRA rights by continuing to report this debt that never belonged to me. i have gone ahead and forwarded the necessary evidences of their violations of the FCRA to the Maryland State Attorneys office and will be taking legal actions if this account is not deleted off my credit report in the next 5 days from the receipt of this dispute. I employ CFPB to look extensively at this Company 's violation of the FCRA and to further investigate the operation efficiency of this company in complying with all FCRA.
I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was " These item are factual record of file access. '' My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX EXPERIAN XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO
I am requesting the removal of  XXXX  judgments and  XXXX  bankruptcies  ( below ) o n my  XXXX  and other reports due to  Civil Case No.   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    . I d id not know the source of their information on those judgments and bankruptcies and due to this  XXXX  has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  XXXX
On or around XX/XX/XXXX, EQUIFAX allowed an unknown source to place incorrect information on my Consumer Credit Report. On XX/XX/XXXX,  the consumer contacted EQUIFAX to inquiry about the wrong information and requested the source identity, the source was not identified. 

The consumer is requesting an investigation to identify the source who placed the fraudulent information on her credit file. The investigation should include the United States Postal Service, since the erroneous address reported is : XXXX XXXX XXXX, XXXX, GA XXXX. The consumer has never lived, owned, reported nor received United States Postal Service ( USPS ) mail at XXXX XXXX, XXXX, GA XXXX. 

Even with an existing FRAUD ALERT and XXXX XXXX XXXX, EQUIFAX allowed this incorrect information to be successfully added to the consumer 's credit file without her knowledge or consent.
My Amazon Store Credit Card with Synchrony Bank was closed by the creditor due to having XXXX returned payments within a 12 month period. However, I contacted Synchrony Bank to advise XXXX of the payments in question XXXX was returned due to no fault of my own ; but my debit card was compromised because of fraud. I got a letter from my bank as they requested to confirm these details, but they refused to re-open my account AND more importantly they have now reported my account closed by creditor which has effected my credit rating.
On or about XX/XX/XXXX or,XX/XX/XXXX, I ca n't remember the exact date, I tried to purchase sweat pants from XXXX, using my XXXX/Debit card. The customer service rep told me I could get a discount if I applied for a XXXX XXXX card. I said OK, but, I do n't want to use the credit card at this time, I want to pay for my purchase using my XXXX/Debit card so that I can read the terms of your credit card first. The customer service rep charged my purchase on the XXXX credit card anyway. And, it turned out, it was n't a XXXX card in the first place. So I thought I paid for the items in full on my XXXX/Debit card. It turned out this was not the case. Subsequently, I have received statements from XXXX, stating I owed them not only for my purchase, but " fees charged '' and " interest ''. I have called XXXX Customer Service several times, including today, this time asking for a supervisor. I was referred back to their bank, I believe it 's XXXX XXXX ( XXXX ) and was unable to resolve this issue. In addition, today the bank rep threatened me liens and legal action. I do n't stand for threats from anyone for any reason! I am willing to pay for the items in question, but nothing more.
A company called Esser James & Associates LLC which is not even licensed to collect debt in my state keeps calling and has left voicemail demanding I call back to record a statement of intent or they will begin litigation ( I believe its illegal under federal law to threaten like this? ) Anyways I have called them and told them they are not licensed in my state and continue to call and threaten. The debt here a majority is a result of identity theft and I have not paid on the balance since the company will not correct it.
Transworld Systems Inc. did not share information that the debt was paid in full with the original company, XXXX and thereby I was sent to collections, from XXXX to another collections agency. 

This continues to show up as an uppaid account on my credit report and thereby negatively impacting my credit scores.
Money never returned promised otherwise. Nobody even looked into my case, i have emails from numerous representives telling me many lies and controdicting one another.
Tried to get inquiries removed from my accounts with XXXX, Experian, and XXXX told them that they were not authorized but the companies refuse to remove them.
I received a phone call stating that I had a debt and that documents were prepared to be delivered to my place of employment. I called and was informed of a debt for XXXX that I had no prior knowledge of. I was told the debt was from 2005 and they couldnt tell me anything about it, besides where it was from. I called where it was originally from, and they stated the amount was {$250.00}. I have been shown no proof of a XXXX dollar debt, and have received no notice of my right to dispute this. I was only told if I could n't make {$90.00} per month payments that legal action would be pursued. I was mailed a consent form to sign so that they could take money fron mt account.
This would be the second time I 've submitted a request to investigate inquires on my credit report that I did not believe to be mine or requested by me. I most recently sent Transunion another request to investigate the inquires. I requested to provide me documents upon their investigation showing my signature or something supporting I authorized it. The letter was received by Transunion on X/XX/2017 and on X/XX/2017 I received a letter from Transunion explaining what an inquiry was as their response. Obviously I know what it is, but my request was to investigate it. Since their letter was sent to me so quickly I am positive no investigation was done as I had requested. The letter I sent was certified so I can support when Transunion received my letter. This is the second time I received this response from Transunion. I sent copies of my drivers license as well as my social supporting who I am, but Transunion failed to review my request. 

I have attached a copy of my original letter to this complaint.
I was an authorized user of American Express business credit card as a business manager. AMEX informed all three credit bureaus as collection account treating it as a personal account on XX/XX/XXXX affecting my credit scores drastically. We have entered in to a contract to buy a house and this reporting is affected my ability to get a housing loan. This business card account was opened XX/XX/XXXX for business purpose and it has never shown up as a personal liability on my credit reports since than. I was taken by surprise to see it apear on my personal credit report suddenly. 
Requests to pay the outstanding amount by installment on XX/XX/XXXX with AMEX failed and representative advised that the account should be closed first and than the supervisor will call with in 24 to 48 hours to discuss the options. No one ever contacted me or left a voice mail. Upon seeing thison credit report I called AMEX and I was advised to contact XXXX. After contacting XXXX I entered in to an agreement of payment and I have paid {$4200.00} as XXXX of the XXXX installments on XX/XX/XXXX under duress as no other option was available and this is causing hardships.The outstanding balance is being paid to AMEX.
When my debt was transferred to Nelson & Kennard, I believe I paid XXXX payments during the transfer period. I requested in writing and verbally ( to my point of contact 's administrative assistant ) to be issued a statement. I did not know how much I owed and which payments had been accounted for. After five months of payments, still no communications of any kind ( letters, phone calls or e-mail ). A bit odd, I thought. I sent a letter and stated that I would no longer pay this debt if I did not see some sort of recognition of my payments. Nothing. I made payments ( {$700.00} / month ) for an additional year. Still nothing. After numerous calls and letters I could not reach any one that would speak to me, left lots of messages, but no responses. So, after eighteen months I did stop paying. 

Fifteen months later, still no communication of any sort EXCEPT a summons to court ( received three days ago ). In the summons they state that they repeatedly tried to contact me by phone and mail. This is a lie. No statements, no communications of any sort. 
What do I wish to do? I am happy to resume paying this debt but I want the communications to be monitored in some way so that Nelson & Kennard will have to give the statements due me under the law. Indeed, after eighteen months of payments without any communications, something was indeed broken.
XXXX mortgage payment was made XX/XX/XXXX bringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XX/XX/XXXX XXXX says they reported on XX/XX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XX/XX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.
Navient has serviced my student loans for sometime now ; initially I wanted to consolidate to have one payment monthly at a low rate, instead, I received a higher interest rate than my original loans. I inquired as to why and was given a text-book response.
I inquired about ways to pay off my loan faster without breaking the bank and was put on a plan ; only to realize that the rate at which the interest rate increased was extraordinary. When I ask why the interest rates continuously increased, the respond was due to the plan I had selected. I made a large payment a few months ago, with the hopes my principle would decrease, only to realized just a few months later, it has increased more than what it was before making the payment. I was told that the department of education assisted with the interest rate and had calculated the assistance in addition to my payment, hoping it would decrease the balance, but it did not. I called Navient about a week ago and requested a breakdown of my loans and payment and balance- the rep responded that she could not provide the information because the system did not allow her to. I was furious - a financial institution in 2017 has systems that does not provide customer balances and history- they finally said the report will be mailed out ; as of todays date XX/XX/17, I have yet to receive any documentation explaining my loans, payment and balances, and the interest continues to grow! I 'm worried, i 'll never start my life or plan for a family as long as this issue looms. I do not trust Navient- I feel I 'm stuck!
I wanted to refinance to remove mortgage insurance from my FHA loan. I contacted a number of companies and decided to use loandepot. I locked in a low rate, but after XXXX was elected rates went up, and loandepot sent out an appraiser who claimed my California house on XXXX XXXX XXXX had lost XXXX sq ft and depreciated $ XXXX in the last 8 years. Despite the fact that all the other houses around the XXXX have increased in value. 
This is clear fraud!
On XX/XX/2016 I make a Deposit in my Bank of America business account XXXX XXXX # XXXX for {$1300.00}, on XXXX/XXXX/2016 Bank of America make unauthorized withdraw total XXXX from my account, claiming for XXXX ID:XXXX XXXX, I did not authorize Bank of America to make on with draw from my account. can you help please?
In XX/XX/XXXX I became unemployed. I continued to keep my accounts with American Express mostly current until I got a new job in XX/XX/XXXX. I started paying down all of my revolving credit at that point. In XXXX, American Express started contacting me about my accounts, which had been open since XXXX. 

I called American Express to determine whether any sort of temporary relief could be had. We were terribly impacted by Hurricane Harvey, and our mortgage company, car leasing company and other revolving creditors helped by offering extended terms or delayed payments. American Express offered nothing. American Express further demanded immediate payment in XXXX. I made a partial payment over {$4000.00} in XXXX and promised a more substantial payment in XXXX. American Express continued to increase the amount it demanded as immediate payment. 

The first week of XXXX I paid American Express {$5500.00}. They called immediately demanding more payments. I asked for any kind of concession, interest rate, split payments, anything. My offer was flatly refused. 

I told American Express that I would then pay off the entire balance owed on all accounts, current and not, and cancel my cards. 

As soon as I told American Express that I would cancel my cards, they immediately reported me delinquent to the credit reporting agencies ; I surmise as a way to pressure me to pay off the balance, which I had already promised to do. Before the end of XXXX, I paid off all of my accounts with American Express, more than {$68000.00}. 

American Express continued to report derogatory information to the credit bureaus despite my calls. As a result, the credit to my business and my other personal lines of credit were diminished to the point I had less than {$20000.00} in credit available. My FICO score went from the mid 700 's to 620. As of today it rebounded a bit to XXXX. I spoke with American Express again yesterday, but they said their credit department was closed. Obviously they did something because nothing in any other account changed. All of the damage was done by American Express after American Express was paid IN FULL.
there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company is Prof Credt and the original creditor is XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2014 -
My complaint is against Santander who I have my auto loan with.. Reason I am filing a complaint is that I have been paying my car note for almost 3 years and my balance on my car has not gone down, and it 's all going to interest, because Santander has a very high interest rate that they charge their customers. This interest rate is ridiculous!!! And on top of that they do not offer refinancing to get a lower payment, and it 's hard to find a Bank that will want to refinance because my balance is still so high with Santander. I feel they should help consumers who want to keep their cars buy offering refinancing or extending their programs like the deferment or the Trip programs to consumers who really need help and time to catch up ; but seem to offer it only a XXXX times through out the contract of the loan. I want Santander to allow me to catch up on my loan by either offering refinancing and getting me a lower payment or extending to me the program of offering a deferment or the trip program. If they refuse to offer any of these then my only option would be left to Voluntarily surrender my car to them..I think what Santander is doing to customers is deceptive ; with their high interest rates and not allowing any options of refinancing so customers will always be paying them without paying off the car.
I disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and no response!
USAA has been intentionally deceiving consumers with their website and mobile app. They set up a draft from an account which was supposed to be changed ages ago and never was. They intentionally left the draft in place and did not switch to my new bank. It creates the look that the loan was being paid but it was not. The loan amount reverses the charge and creates both a late fee and a penalty in an account that is supposed to be dead. This is to the amount of $ XXXX/month extra!! The mobile app is set up in such a confusing manner that I did not see this until I really started to investigate on the computer. Their mobile app also does not function. There are error codes ( I have screen shots ) that do not allow payment at times. This is also intentional and designed to layer their pockets at the cost of the consumer. These complaints are with the home loans as well as the auto lending and are all over the web and their own site.
I have a home mortgage with Wells Fargo that has been in place since XX/XX/2013. I have never been late on any payment, and the payment is electronically sent from my account. I sent my payment for XX/XX/XXXX in the same amount i have been paying since XX/XX/2013. Without any notification, Wells Fargo held my payment in " suspense '' because apparently they recalculated the escrow amount and my payment fell {$77.00} dollars short. I was contacted by their collections department and told that I was also assessed a {$100.00} late fee. Wells Fargo had not notified me that my payment had gone up.
I went on line for a Payday loan Castle Payday. They advertised that it would cost {$200.00} to borrow {$600.00} a total of {$800.00}. I paid them a total of {$840.00} within 2 months. They sent me a email that they were going to take out another {$210.00}. I called them and they said that those payments ( XXXX ) were for interest only. That I still owed them {$800.00}. That is CRAZY!!! Please help me, I do n't know what to do, I cant sleep I am so worried.
I attempted to make a Payment to   XXXX   XXXX  a  old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit from  3rd p arty.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned. They (   XXXX   XXXX   ) could NOT find or verify my account using the information found in my credit profile.     This me ans two th ings : : : They do n't have me  as a credit collections c lient and therefore it should be remove according to FCRA la w [ 623 ( a  ) ( b ) ]. Or ....     Whatever is reporting is reporting so erroneously the data does n't line up and is so corrupted that it again according to FRCA law  [ 623 ( a ) (  b ) ] should also be removed.
I originally initiated disputes on XX/XX/18 via fax regarding bankruptcies ( chapXXXX-XX/XX/XXXX, chapXXXX-XX/XX/XXXX, chapXXXX-XX/XX/XXXX) listed on my credit report and the accuracy of the information with Transunion. The dates listed by all 3 bureaus and staus do not match each other and are incorrect. I did not receive a response until XX/XX/2018 dated XX/XX/2018 well beyond the 30 days allowed by the FCRA. I than faxed a validation of method used asking who reported the information and who they contacted to verify the accuracy of the information. I am not sure how they verified the information given the letter from the Bankruptcy Court stating they do not report nor verify information to or for the Credit Bureaus. I also have full security freezes at XXXX, XXXX, XXXX, and XXXX XXXX, all of which have been blocked from providing 3rd party reporting or inquiry of information. All letters of Security Freeze attached. This is a willful attempt at non compliance in violation of the FCRA. They now send me a letter dated XX/XX/18 stating a general method but not who reported the information and how. As I stated the Bankruptcy  Court say No reporting-no verifying and the 3rd party services have complete security freezes that tells me Transunion did not verify the information. I also spoke to a representaive XX/XX/XXXX asking why I had not received a response from my XX/XX/2018 and was told it was completed but they failed to send out the response which I believe was untruthful.
On XX/XX/XXXX my credit report is showing inquiries from CBNA company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company - CBNA Date of Inquiry Type of Business XX/XX/XXXX CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX