WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Credit Card with Capital One. There were fraudulent charges on the account. They removed the charges after hours on the phone. Then a few months later they put the charges back onto the account without notifying my and then started calling me arguing with me on the phone saying that the charges were mine. I asked them to please notify me in writing what charges they were questioning. I never received anything in writing and they refused to resolve the matter. I then transferred any charges that I knew were mine to another credit card and in XX/XX/2018 asked them to close the account and let them know that I would not be responsible for the charges. I just received a statement out of nowhere today XX/XX/XXXX stating I have a much higher balance. I also was notified by the credit bureaus. I submitted these letters to the credit bureaus and they keep telling me that the account is correct!! I called Capital One telling them the WHOLE story again and that this was a final courtesy call regarding the matter. They did state that they received my XXXX letter asking them to close the account and didn't know why it was still open and said they would close the account but all of sudden we were disconnected ... which happened many times before. This time I actually asked if the person I was speaking to was actually was in the United States and they said no. I am hoping to have someone please investigate Capital One and my account and listen to the phone messages of the harassment from their fraud department. I hope this matter can be resolved. Thank You
01   XXXX   XXXX     XXXX   XXXX   XXXX   Open {$3300.00} Account Details Last Reported   XXXX   XXXX   XXXX   Collection Agency   XXXX   XXXX   XXXX   Original Creditor 01   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Balance {$3300.00} High Balance {$3300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX       XXXX   XXXX  , CA   XXXX     XXXX   XXXX   XXXX   XXXX   Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with  XXXX , please wait for your prior dispute request to be processed or contact  XXXX  directly.
My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court proceedings ), to ATTAIN A " JOINT '' 40 YEAR REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork.

I have contacted the company ( XXXX- in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted XXXX   to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was 4 years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a 40 year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?
XX/XX/2016 XXXX Fl XXXX TransUnion LLC Consumer Dispute Center XXXX, PA XXXX First Credit Account Number Num : XXXX Balance {$1400.00} Dear Sir or Madam, I am writing in regards XXXX XXXX account on my credit report. On XX/XX/2016 and XX/XX/2016 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
As of today XX/XX/2016 I have not yet received any correspondence from Trans union regarding this account. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
This was a debt to  XXXX  for {$45.00}. The debt was paid and never should have been reported to the credit bureaus by collection agency!
I HAD LIVED SIMPLY SHORT TERM CONTRACT APARTMENT WHICH IS NEAR XXXX AREA STUDIO COMPLEX APT , CITY OF XXXX, XXXX. 
I ALMOST LIVED APARTMENT NAMED AS XXXX AT XXXX, XXXX, LEFT CONTRACT PERIOD 1 OR 2 MONTH. 
AT THAT TIME I HAD GOOD PAYMENTS SO FAR, THEN I HAD CONTRACT JOB AT XXXX, XXXX CONTRACT TRAINING BEGIN THERE 3 MONTHS SCHEDULE, PROVIDED EMPLOYEE DORM, IT WAS XXXX XXXX COMPANY. 
SCHEDULE ARRANGEMENT FROM CO. ON CALL JUST BEGAN AND I WAS LIVING MYSELF IN APT , SO I MADE EXCUSED TO APT MANAGER FOR THIS MATTER,, I EXPLAINED THIS SITUATION AND APT MANAGER UNDERSTOOD AT THAT TIME, SO I MADE A DEAL MY SECURITY DEPOSIT WILL GIVE APT MANAGEMENT, AND NOTICE THEM ABOUT 1-2 WEEKS, SHE TOLD ME NO PROBLEM AT THAT TIME, I HAD INSPECTED AND GIVE APT DOOR KEY, AND MOVED OUT IN CLEAN CONDITION. UNFORTUNATELY APT MANAGER REPORT ON MY MAJOR CREDIT REPORTS.
After sending information to verify myself with my disputes, TransUnion has failed the to respond to my disputes within the 30-days time period per FCRA. The following item should be removed from my credit report. 

XXXX XXXX XXXX XXXX # XXXX
Dear sirs, My issue is with a XXXX  Visa Credit Card, and Citi Double Cash Card, both issued by Citibank N.A. On XX/XX/XXXXof this year, I attempted to contact Citibank to request assistance in furnishing me with access to view my credit cards online.

On XX/XX/XXXX at approximately XXXX XXXX I was transferred to 'XXXX ' and remained on hold for more than 40 minutes without a response. I was then disconnected.

Later that afternoon at approximately XXXX XXXX I was again transferred to 'XXXX ' and waited on hold for 47 minutes and gave up.

After another 20 minutes, and the assistance of a XXXX  employee, I was connected with a 'Supervisor ' at XXXX. After a lengthy delay, he said that he had performed the actions necessary to grant me access to my account. Unfortunately this was not correct, and he made no changes to my account.

My issue is that the customer support for both the XXXX  Visa Credit Card and the Citibank Double Cash are so poor that any reasonable person would have capitulated, and they effectively do not provide these legally required services.

I am asking the CFPB to investigate the lack of access to credit card information provided by Citibank.
America Express reported me to the credit card agencies with no real explanation AND then said I was in good standing. I have very good credit. I tried calling over XXXX times and faxing letters and NO help whatsoever. It appears on my credit report as a negative. The laws need to be changed. If I paid for 10 years perfect and owe them nothing so that would 99.9 % that my account was paid and they have ruined it 100 % by making a false statement. The statue of limitations has expired.
To summarize : On XX/XX/XXXX, a XXXX XXXX loan officer ( XXXX XXXX, District Sales Manager | NMLS # : XXXX ) located at XXXX, California, pulled my credit report without my consent. 

Here are the details : On XX/XX/XXXX, we gave permission to XXXX XXXX to pull our credit report in order to get the pre-approval of a mortgage as we are trying to purchase our first home. On XX/XX/XXXX, we got the pre-approval valid for three months. 

We also talked to a loan officer from XXXX XXXX XXXX. He told me, once the bank pulled the credit report, and issued the pre-approval, and if we get the mortgage within 120 days, the bank won't need to pull our credit report again. So we assumed it's the same for all banks. As the rates offered by XXXX XXXX is significantly lower than XXXX, so we decided to go ahead with XXXX XXXX instead. 

We decided to move forward with the house purchase. So today, I called the banker, and told him we are going to write an offer for our dream house this weekend, and whether he can move our pre-approve to underwriting for a more formal review. He said yes. And he never mentioned about the need to pull our credit report again. And later in the afternoon, he emailed us that he can no longer provide us the mortgage because our credit score dropped below the minimum requirement. I logged into my credit report account, and noted, because of his inquiry without my permission, my credit score dropped by 10 points! And I was furious. How can the bank go ahead and pull my credit report without my permission? He just pulled the credit report less than one month ago and my pre-approval is valid for 3 months. Even if it is XXXX XXXX XXXX internal policy to pull the credit report again, he should have at lease let me know and get my permission. If I knew he needs to pull my credit report again, I would never chose to work with XXXX XXXX. As I know there are other banks ( for instance, XXXX ) out there who do not need to pull the credit reports over and over again! 

Me and my husband were planning to make an offer for our dream house this weekend, but now with this unpleasant incident, I don't know whether we can make the offer or not! We waited for so many years to purchase our first home. And now because of an illegal credit inquiry, we may loose the opportunity to buy my home. I can not accept this. 

Please help me and my husband look into this. We really need this to be resolved as soon as possible. Thank you so much!
a 2 month deferment was approved in XX/XX/2018 and I was instructed to pay {$1700.00} for the two months of escrow that can not be deferred. Navy FCU applied the payment to the principle and not the escrow and has no jacked my mortgage up {$180.00} a month. After 11 days ( XX/XX/2018-XX/XX/2018 ), of being told the correction would take place within 48hrs, its still has not been down and has caused my mortgage payment to be late due to not having an accurate monthly payment to make
I have contacted Experian to dispute the information they are reporting regarding a Bankruptcy in which they have obtained this information. I contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not. The credit reporting agency responded by telling me they are not required to give me that information. They have violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). We request that the bankruptcy in question be removed from file forthwith.
On XXXX XXXX 2016, I sent XXXX letters to Midland Credit Management requesting proper debt validation per Texas Finance Code Section 392.202 which requires a debt collection agency to provide the alleged debtor with specific information concerning their debt including but not limited to : Name & Address of original creditor, original date of default, date debt was transferred from original creditor to third party debt collector, original balance, current balance, any fees added by the agency, and Texas surety bond information required by Sec. 392.101. I sent ( XXXX ) separate letters for MCM Account numbers # XXXX, # XXXX, # XXXX. The letters were received and signed for by Midland Credit Management on XXXX XXXX, 2016. On XXXX XXXX, I received XXXX letters for each respective account number from Midland Funding stating that the status of the account would be changed to " disputed '' with the XXXX major credit bureaus but further stated that " After reviewing he information you provided, as well as our account notes, and information provided by the previous creditor, we are unable to determine the nature of your dispute, and consequently deny that our records are inaccurate. We will be closing our investigation of your dispute and resuming regular collection activities as allowed by the Texas XXXX XXXX and/or the Fair Credit Reporting Act. '' I replied sending XXXX separate letters ( one for each account ) clarifying that in no way was I giving Midland permission to mark the account as " disputed '' with the credit bureaus, that I was requesting proper debt validation per the Texas Finance code. As of XXXX XXXX, 2016 I still have not received proper debt validation under the Texas Finance Code for the ( XXXX ) Midland Collections Accounts that I requested. Midland Funding has not validated these alleged debts within the 30 day window that the Texas Finance Code 392.202 ( b ) ( 2 ).
I applied for a home mortgage loan with BMO Harris Bank N.A . I chose this financial institution because they are listed as XXXX of the few authorized lenders for the 1st Home Illinois program offered through XXXX I am a XXXX XXXX XXXX XXXX XXXX male. I have a XXXX credit score, a 0 % debt to income ration, and am on a fixed income through social security. I was pre-approved in XXXX. I have had no change to my income, credit score or debt ratio from the time I was originally pre-approved. In XXXX 2016 BMO Harris requested that I pay a {$490.00} dollar application fee. After I paid the fee they completed the appraisal on the property I have a contract on. The appraisal came back within range of market value and requested price. I meet all the requirements for the 1st Home Illinois program ) I was told this by the lender and instructed to complete the homebuyer counseling course and obtain a certificate. I received an email on XXXX XXXX stating my loan application was denied due to " Limited credit experience and Value or Type of Collateral not Sufficient. In figuring a credit score the credit bureau 's figure length of credit history, debt ... etc in figuring a score, which is in turn used as a basis to offer credit. If I meet the credit bureaus standards to have a XXXX, why am I subjected to additional credit scrutiny by the lender. Secondly if the Federal Trade Commission considers social security a reliable source then why is this not the case with the lender. The XXXX states I may not be discriminated against due to age, however I feel it is the basis for my denial. After all, how could I initially be pre-approved based on credit and income and then denied based on the same criteria which has not changed at all. In fact my current rent of {$630.00} is actually higher than what my mortgage would be, which is estimated at {$430.00}. The XXXX states credit should be made available to creditworthy applicants without regard to color, religion, sex or age. My XXXX makes me creditworthy!
I have a loan with Lendmark financial and I have been paying more than minimum for more than 2 years. I called the the company for my pay-off quote and they told me the amount. I quickly made the payment. Few months later they called me and told me that I was still owing them. I went into their office and they saw something they called a glitch in their system. They promised to look into it, but in the time been, we had an agreement that they would be calling me to make minimum payment to avoid credit issue. 
I have been making the payment to agents anytime they call me, while waiting for the result of the inquiry. 

I found out that they have reported a late payment on my credit that has bad effect on my credit. I do have the print out they gave me from the office. When I called the office they were surprised to know that their office reported me to the credit bureau. 
Please help me Thanks XXXX
I have tried on several occasions to get XXXX and Equifax to correct my birthdate, but it still hasn't been corrected! XXXX I'd reporting it correctly. My birthday is XX/XX/XXXX 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.
chase credit card " hacked '' twice in last 3 months -- up to {$12000.00}. Chase credited my account, issued new card, wo n't investigate. Complaint filed with XXXX XXXX ( XXXX XXXX ) police department forwarded to XXXX county XXXX sheriff 's office for investigation, and hopefully prosecute as a 2nd degree felony. no cooperation from Chase, no telephone numbers or addresses for chase.
Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Because we had an ARM that began to adjust to unaffordable levers and because of the economy and loss of employment ; we were forced to file chapt-XXXX. This Lender denied our application for re-affirmation. While in the middle of completing a modification application with OCWEN ; XXXX months later -we were evicted from our primary home and foreclosed on. OCWEN continued to pursue us even after the foreclosure so we filed a complaint with NC Banking Dpt. OCWEN denied having foreclosed, and even though we provided a copy of the eviction notice and " report of foreclosure sale '' along with photos of the " foreclosed '' signs hanging in windows by Sheriff : NC banking closed the case. OCWEN continued to harass us and we continuously provided them with copies of the foreclosure documents. The most perplexing part is that they foreclosed on us XXXX! The XXXX " report of foreclosure and sale '' is dated XX/XX/XXXX. Now they just foreclosed and " went to steps '' again in XX/XX/XXXX! The attorneys for the bank will not advise how they were able to foreclose twice and will not speak with us because we do not have legal representation and we are not able to locate an attorney willing to represent us.
Something happened to my Equifax credit file, and Equifax will not tell me what the issue is. They needs tons of documentation for a situation that I did not create. This is unfair to me.
Wells Fargo Dealer Services "  confirms that the retail installment contract/loan number  XXXX  was paid in full or was satisfied on  XXXX / XXXX / 2017 . '' After 69 days I am still waiting for my refund of {$640.00}.      WFDS sa id it issued payment at the end of  XXXX  - but I never received payment. Thereafter WFDS claims that I have to file a notarized affidavit ( at my own expense ) with them to receive my refund. Why is the burden put on me to receive the refund of my money?     References : WFDS : C ase 1 -   XXXX   Case 2 -   XXXX  CFPB : Complain t 1 -   XXXX
Got the loan back in XXXX of last year not realizing there was a military lending act that prevents that and I am currently out of the XXXX now and interest has built up to the point where they threatened repossession.
In   XXXX   I contacted  XXXX   XXXX  because my employment situation changed and I was unable to afford the payments as they were to be made. I made SEVERAL calls asking if I could make payments in the amount of $  XXXX  month as it was all I could afford. I was told EVERY time that I was required to make the entire payment and if I could not afford it, I should apply for deferment or forbearance. As of 2 months ago, I was UNAWARE of  XXXX   XXXX   XXXX . Since I learned on it, I have been placed on plan that allows me to pay $  XXXX  month. That 's how dire my situation was/is. This is shameful. Additionally, I was able to attain additional loans through  XXXX   XXXX  for  XXXX   XXXX , even though I was unable to pay on the  XXXX  loans I already had. Predatory lending?????
Opened a new Wells Fargo account for a store specific line of credit to purchase large appliances. First statement arrived on XX/XX/XXXX with a minimum payment of {$61.00} due on XX/XX/XXXX. Made a payment of {$200.00} on the day the statement arrived.

On XX/XX/XXXX we logged in to the website to see if a new statement was available yet, and the website told us that our minimum payment of {$54.00} was past due for XX/XX/XXXX. The {$200.00} had been applied to our account on XX/XX/XXXX, taken off the balance of the account, but had not counted as a payment during the first billing cycle. 

Contacted Customer Support on XX/XX/XXXX and was told that we needed to not pay on the day the statement was available and that we should wait a couple days to make sure out payment is applied correctly. Late fee was waived on the condition that we made an additional {$54.00} payment that day.
I have no idea who these people are. XXXX XXXX XXXX. Repeated computer calls. Asking for my XXXX year old son who hasn't lived here in over 30 years. XXXX XXXX