WillisBack/dataset-financial-user-claim huggingface dataset:
I have a capital one credit card. I have not used in one year. The fees are over {$80.00} per month I pay {$100.00} and my balance keeps going up. I called them in XX/XX/2018 they said I qualified for {$74.00} per month to pay off my card. They put me on hold and hung up. When I called back they said I no longer qualified because the call was not completed. I reached out to cfpb XX/XX/2018. Capital One called me after this complaint # XXXX and agreed to close my account and offer me the {$74.00} per month payment and 7.4 % interest from what I have now around 23 % interest. I called four times as they said I would receive agreement in mail. I do not feel comfortable in making a payment until I recieve agreement. Last week I called capital one again and was told it will take effect in XX/XX/XXXX and paperwork would arrive in XX/XX/XXXX. I am attaching paperwork I received XX/XX/XXXX which is not an agreement but a letter stating what I owe. I need to resolve this and get rid of this debt, capital one is giving me the run-a-round and totally causing undue stress to me. This is unacceptable.
Equifax used website to have personal information entered to give a reply if such personal information was compromised. Website that was used for this from Equifax has been reported as fake and may have compromised the information if it was not before.
I have been through mediation meetings and have done all the required steps that Seterus has asked of me regarding my deceased husbands mortgage/loan that I inherited after his death in XXXX, but they still have everything under his name and social security. I have been trying for two weeks to find out when they supposedly mailed my permanent modification documents for my review and signature but they can not say when. Even my XXXX counselor tried calling on my behalf and they would not talk to her. I get only machines and everything is still under my dead husbands rates ect. 
I made my XXXX trial payments on time and they even addressed it to him. I am getting nervous since XXXX XXXX. is coming quick. I do not even know if my payment will have to be on the XXXX of the month like his was and what percentage rate I will be at now. He has been since XXXX at a 7.12 % which I always said was ridiculous and should have been lowered along time ago. My filing a Small Estate Affidavit with the Courts should have resolved all the issues of addressing to him and not me, but it has not!!!!
XXXX XXXX, 2016 Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX DC XXXX Dear XXXX XXXX ; RE : SPS ACCOUNT : XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Fax : ( XXXX ) XXXX XXXX : ADDITIONAL CLARITY XXXX I contacted SPS today and requested to speak to XXXX XXXX XXXX. 
Another employee intercepted the call and would not put my request forward. 
She informed me that my XXXX application was incomplete. I informed that that was impossible since I was approved for a short sell months ago. In fact, I was calling in order to up date SPS on the short sell activity. 

After waiting 19 minutes XXXX XXXX XXXX came on the phone. She as well spoke in a disjointed manner is haste before viewing and assessing the situation. She stated the previous employee is correct you need to provide more information. Information for what I said, I completed the XXXX application months go. She relied you need to provide more information on the short sale. 

The previous contact said nothing about the short sale nor did XXXX until I brought it into the conversation.. The continuity of picking up from the previous communication and rude arrogance of the phone contacts is deplorable. 

Please intervene and help. 


Sincerely, XXXX XXXX
XXXX XXXX has been contacting me since XXXX 2015 or earlier, for collection on a Citibank credit card account that belongs to my husband, who filed for bankruptcy. The Citibank account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of XXXX XXXX. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that?
The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of medical identity theft. Some one have obtained medical services using my name. The health records that XXXX XXXX maintains about me include information that is wrong and actually about some XXXX else.I have contacted XXXX and they have removed that information.. I am working to identity the effects of the medical identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting it.
Around late XX/XX/XXXX ( of last month ), I noticed that my debit card was missing. I was not able to locate it so I immediately checked my savings and I had noticed that there was a pending transaction of {$3500.00} and {$660.00} on XX/XX/XXXX. 

I immediately called my bank, Bank of America to close my card and also to file a claim. I spoke with the Customer Representative that I can not locate my card and there are two large amounts of transactions pending that were not authorized by me. The Customer Representative sent out a new replacement card and also filed a claim against the two transactions. She mentioned that it will take up to 90 days to investigate the situation but if they can not do it within 10 days, they will give me a temporary credit. 

I called every week to follow up and each time, the representative stated the claim is still in research. On Monday, XX/XX/XXXX, I called again since it was the 10th Business Day. The representative stated the claim was denied and not in my favor due to that I waited too many days to call about my missing card. She stated that I needed to contact the merchant of the company and write a letter and fax it over to the Bank of America Claims so they could reopen the claim. 

I contacted the Merchant which is a company called XXXX and XXXX which I have never done business with. I spoke with the customer service line and each company mentioned that there was an order placed by my billing address but to a different name and a shipping address that they can not provide. The Customer Representatives stated that I would need to contact my bank to do a chargeback and indeed agreed it was Fraud. The representative said " because it is Fraud, you would need to go through your bank and file a chargeback. your bank will contact us and we will handle it from there '' I wrote in detail of our conversation and faxed it over to the Bank of America Claims that following day. On Thursday, XX/XX/2018, I called Bank of America Claims department again to follow up -- I spoke with a different customer representative and he stated that they received the documents and attached it to my claim. He said the claim will be reopened and noted our conversation. I spoke with him that I contacted the merchant as previously mentioned and that the only option is to contact the Bank. 

I followed up again today which is a Monday, XX/XX/2018. I called to follow up with the claim and the customer representative I spoke with today said the claim was denied AGAIN. I asked to speak with a supervisor -- I spoke with the supervisor and he said that he will try to reopen the claim again. 

It's been up to a month regarding this situation. TWO Charges that were not authorized by me has made my account go overdraft and I have not received the money that was taken out. I contacted the merchant multiple times and they have agreed it is Fraud but they are waiting for the bank to contact them. I contacted the bank to file multiple claims and asked them to reach out but they are keep denying my claim. 

It seems as Bank of America are not taking this very seriously as my checking account has been taken out of {$4200.00} I need my money back.
XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX Robo-Caller used by XXXX XXXX  XX/XX/2018 XXXX XXXX These are the ones that I didn't delete. They call several times per week with no one on the other end most of the time and no message. Prior to this, they have called members of my family and they have also threatened that they were sending a process server with the authorities. They use bullying and harassment tactics. The give personal information to family members that are not authorized to have it. They are breaking the law. 

XXXX XXXX has been hounding and threatening me constantly for years. They need to be stopped and I want the old debts that they are chasing off of my credit report.
After I complained about XXXX the next day I received a call from XXXX who lied and said the bank was out of mo why because of me and told me things that were discriminatory in nature. I had XXXX report her to manager. 

Government orders First National to pay more than {$35.00} XXXX - remember this? 
First National Bank of Omaha will pay more than {$35.00} XXXX in restitution and fines for deceptive marketing practices and illegal billing of add-on products. 

The bank, the largest in Nebraska with {$18.00} XXXX in assets, agreed to consent orders levied by the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, which were made public Thursday. 

The bank will pay a {$3.00} XXXX civil penalty to the OCC, a {$4.00} XXXX civil penalty to the CFPB and nearly {$27.00} XXXX in restitution to roughly 257,000 customers. 
Or this CFPB Orders First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices XXXX XXXX XXXX XXXX XXXX XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2010, XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have several public records listed on my report. There are : Tax lien XXXX, XXXX, XXXX and a judgement for XXXX. The names are not listed on the report and I went to the courthouse and the record is not there.
I received a call from Critical Resolution Mediation concerning a payday loan that was supposedly taken out by me in XX/XX/XXXX.I did not initiate this loan.Furthermore I was threatened with imprisonment by one of the female employees of this organization saying she was sending the police to my my house because i willfully defrauded XXXX. From what I was told a loan was given in increments that eventually totaled approximately {$700.00}. Which was deposited in a XXXX acct I had at the time.But now with interest and penalties amounts to $ XXXX.I noticed some fraudulent activity concerning my credit report in XX/XX/XXXX and promptly filed a police report ( XXXX ). I was told that this money was directly deposited into my XXXX acct, which i 've been unable to verify.I made a large deposit into my XXXX acct on or approximately XX/XX/XXXX and I was an employee of XXXX at that time. there was no instance of a deposit or drafts from XXXX.I 've yet to see any collections associated with this loan.If this loan was given it was done so without my knowledge or consent
THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUINING TO HAVE. 
ON XX/XX/XXXX AND XX/XX/XXXX MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISE AND I FILED A DISPUTE WITH MY BANK AND THEY CREDITED ME BACK THE XXXX ON XX/XX/XXXX, I RECEIVED A LETTER FROM MY BANK STATING THAT ON XX/XX/XXXX, THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER RECEIVED.
Re : PayPal Smart Connect failed Purchase dated XXXX/XXXX/15 for a XXXX XXXX XXXX XXXX Tablet for {$980.00}, Item ID # : XXXX paid with PayPal Smart Connect for promo payments with no interest charge earning up to {$68.00} rewards. Thus, I never use my credit cards and credit for payment plans that require I pay interest. Up until this time, the only reason I used Smart Connect Credit was for promo payments, since, I have over a dozen credit cards that pay me up to 7 % rewards. Therefore, I was supposed to make payments with this purchase with no interest charge ; however, the purchase failed. 
I was going to return my tablet But then I agreed to keep the tablet if I would be put on a payment plan with no interest charge. 
I then discussed it on a XXXX way call with PayPal and Synchrony bank this year in XXXX, that I would get the interest charge reversed. PayPal and Synchrony Bank Agreed ; otherwise, I would have returned my tablet. However, Synchrony Bank backed down from their promise and started charging interest charge. Synchrony Bank did reverse a few charges but not all of them. 
Therefore, last month I paid off my table, totaling {$980.00} without the interest charge that was supposed to have been reversed. I borrowed the money elsewhere ; since, I was and am sick & tired of dealing with PayPal ; XXXX and Synchrony Bank. 
I did tell Synchrony bank I was going to cancel the XXXX I did not ask for and that Synchrony Bank had transferred the interest charges to ; which, it is illegal. 
I am requesting for Synchrony bank do not reverse the statement balance of {$59.00} ; which comprises of interest charges.. 
So please, help me communicate with Synchrony bank for the last time to take my complaint seriously. I do not appreciate wasting 7 months with this issue. XXXX, inactive XXXX XXXX XXXX
My loan servicer was XXXX, I mailed in three payments, 1 in XX/XX/XXXX & 2 in XX/XX/XXXX- as far as I am aware only 1 of the 3 payments was debited and applied to my account. I am not  sure, bc I have received contradicting letters, as well as contradicting information on the phone. I received a letter dated XX/XX/XXXX stating that my loan was being transferred to Rushmore. Since being transferred, XXXX advised me that I do not need to worry,XX/XX/XXXXpayment will apply & a delay was common. To date, I have received no checks back & no payment was applied that I know of. Th new servicer told me to contact XXXX & XXXX told me they no longer had my file & to contact the new servicer. I had also contacted the new servicer on several occasions to enter into a repayment plan- for the months that were becoming past due ( not including the months for which I sent payments in for ). They were going to send me a packet for repayment options & told me to either send the payments in again or wait to receive them from XXXX. I have now received a notice of Default & to Foreclose from the new servicer & no packet, no assistance options.
There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. XXXX months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these XXXX accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.
Equifax and XXXX is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my Equifax and XXXX credit report.
A company called " Credit Collection Services '' and " XXXX '' have sent another letter concerning a debt for XXXX XXXX XXXX of {$25.00} to XXXX XXXX XXXX who does not live at this address and also, is not even the correct middle name. The middle name is that of my mother who died over XXXX years ago. I have filed a complaint in the past for this same company and this is another continued attempt at fraud. I checked multiple website and every single site says the same thing " fraudulent. '' I contacted the company and spoke with a " XXXX XXXX ( not sure on spelling ) '' or " XXXX XXXX or XXXX '' she gave multiple names which made the call even more suspicious. I was intrigued by this and asked if she had any more aliases she went by. She stated no. I informed them I was filing a complaint. I also contacted XXXX and informed them of the situation providing them with the File Number and PIN number on the document.
To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed XXXX disputed Experian disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires
I have contacted Experian - repeatedly. I hired an Attorney to submit a Dispute Letter and Documents to dispute the item. This item has remained on my Credit Report - without Experian investigating OR providing me with a copy of the/any proof Experian had received to substantiate the item. 

I forwarded my 3rd Letter on XXXX/XXXX/16. I forwarded a copy of the same Letter to the XXXX Ombudsman.
After entering some basic information into the University XXXX website, I had received several calls in a few days ' time. An enrollment counselor contacted me to ask about my interest and aggressively pursued my enrollment in coursework for a XXXX Degree in XXXX from the XXXX University XXXX forum, explaining a XXXX degree would boost my chances of getting a high-paying job in the field of my choice. The format and cost were explained and the first course started the following Tuesday. I began the coursework expecting preparatory instruction for the beginning of a career. I was, in fact, given little guidance toward a secure, high-paying job in the field and I believe the education i received in this coursework has not expanded my opportunities for a career in the way I was led to believe.
Credence Resource Management has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I got a Heloc loan for XXXX, ( which is a line of credit ) from Citi Bank. I 'm notsure anyone at the CFPB knows what a HELOC is or how one of these loans works, but the lender did a great job in turn time. easy process at the bank. the problem was all the forms the govt has dreamed up, that must be sent to the consumer and then read and signed. I did not understand any of these govt produced, attorney produced forms, and it would take three weeks to read them all. The mortgage process as defined today by the fedl government is broken and confuses me to death. Could you please abolish your existence and let smart people run this business? For god sakes, I do n't want any more forms created by you to safe guard me. I can handle myself. I don t need XXXX of you to look after me anymore and I don t know how we can pay all of you. good god man, think about it. Your killing us. PlEASE stop making rules for banks to comply with. Citi bank told me they now have hired XXXX compliance officer and attorneys to run their compliance department. to offset their costs they have raised my fees on checking and wire transfer and interest rates on car loans and consumer loans, to justify the cost increase. So little old me, gets to pay more money, for you to protect me! You are killing us out here! 

Please back off! 

XXXX XXXX.
I would like to make a formal complaint against American Express Bank and how they pulled on my credit 10 times since XX/XX/2016. In addition, I would like to a make a formal complaint against them when it comes to prematurely closing my account in XX/XX/XXXX and not allowing me to open another one. 
You see, I open up a certificate of deposit with them in XX/XX/2016 and it took several weeks to get open. However, I could never upload money to my certificate of deposit due to issues with their system. Then American Express Bank decided to close my account without reason and did not allow me to get another one. Recently, I found out from Credit report that American Express Bank pulled on my credit several times.
This debt was satisfied ( paid ) in XX/XX/XXXX, in full. Yet, the debt collector, Asset Acceptance LLC, keeps reporting it to the XXXX credit bureau that it was satisfied XXXX paid ) XX/XX/XXXX 

This is simply not true. XXXX refuses to contact Asset Acceptanceto get the date correct, and Asset Acceptance refuses to contactXXXX to make sure the correct date of satisfaction is listed asXX/XX/XXXX on my XXXX credit report.
alliance one accepted my amnesty payment even though all payment were to go through XXXX they mislead me to think i was able to participate in amnesty program even though they new i could not
Money was withdrawn from my bank account that was no longer my bank account and this withdrawl was not authorized. Payments were being made to a XXXX party collection.
loan XXXX Modification was approved We made 3 trial payments When permanent was done payments and interest rate too high There's nothing saying the lender can keep our trial payments since we do not agree with loan mod ( perm ) Lender has no rights to keep our funds Plus they qualified us under me and wife ; my name is only one on the loan