WillisBack/dataset-financial-user-claim huggingface dataset:
In the latter part of the month of XXXX my capital one credit cards were restricted ... .On XX/XX/XXXX Capital One informed me that they needed identification verification from the authorized users that were on my account ... On XX/XX/XXXX I submitted the documentation to them via an email link that they sent me ... After waiting for 2 weeks with no response I contacted them and they informed me that they needed me to resubmit the information so on XX/XX/XXXX I resubmitted the information once again ... After about a week they followed up and stated that they needed identity verification from the first authorized users I had on my account from XX/XX/XXXX which is over a year ago ... I advised them that I no longer had that ingormation, had they notified me when I first added them or shortly after I would have gladly submitted the information ... Since then I 've heard nothing from Capital One ... I have sent them 2 certified letters and they have yet to respond ... I also emailed the CEO and he failed to respond as well ... My cards has been blocked for over four months, and I have great credit ... I 've had several accounts with capital one and they 've all been in excellent standing.. No over the limit, no missed payments or late payments ... I 've been an exceptional consumer and the treatment that I 'm receiving is very unfair.
I purchased a washer/dryre from Sears in XX/XX/XXXX. I made regular payments and was never late. In XX/XX/XXXX, I made a payment on the due date and was immediately turned over to collections. With the proof that the payment was not late, I contacted Citibank and demanded that their mistake be corrected. When I tried to make my next payment, I was unable to do so because a survey came up that demanded ansers to questions that had nothing to do with my online account. The survey requested a home phone number which I did not have and they had my cell phone number. I was locked out of my account. I had sent 20 emails, which I still have. They were all blocked and none of my calls were returned. I received no paper statements and when I tried to access my account, I was unable to do so. I then sent them a check for payment in full for the last balance I could access. My check was returned to me with no explanation. This account was then turned over to collections in XX/XX/XXXX. It did not say that it was for Sears and after many calls to different collection agencies I was refused the information as to what account this debt was originally for. I refused to give my private info and pay a debt when I could not get the name of the original creditor. This month I received another letter from XXXX XXXX with all of the information for this account and it was the first time I was told that it was from Sears. I paid the balance on this through the collection company which was less than the check I had sent to Sears 4 years ago. This is ridiculous and should never have gone to collections. I have since called citibank and they have said they have no record of this account. I have been put throuhg a huge hassle and had my credit negatively affected by their poor customer service practices. I still have every email and letter that I sent to them. They never tried to resolve this matter with me directly.
My mortgage was sold to Ditech, a XXXX XXXX. For several years I have paid biweekly payments on my mortgage. I began getting automated-telephone calls several months ago informing me that I was late and assessed finance charges. I contacted them and they admitted that I was not late ; that the moneys had been put into a holding account and they would credit my mortgage. However, I continued getting these automated-calls several times a day ( including late at night ). I contacted them again and was informed that I would continue to receive these automated calls until they completed the process of crediting me ... that this could go on for a week to 10 days. The representative told me that I could n't do anything about that. I finally spoke with a supervisor who told me that he would put a note on my account to not continue calling me ; that it was taken care of. This repeated for several months. Finally I was informed that as long as I continued to make biweekly payments, this would continue to happen because their new system could not deal with this ; however, if I applied to make the payments through them ( that they would automatically get the $ $ from my checking account ), I would not have these problems. They faxed me a form last week. I filled it out and submitted it by e-mail. Would n't you know, I started getting phone calls within 3 days that I sent the form in. Again, I called and the representative said that she would make sure that the money that they withheld would be credited to my account and I did not need to make a payment until XXXX XXXX. She said that they did not get the e-mail either. She told me to submit the form again by faxing it. I did this. Would n't you know, I came home and there was a note tagged on my front door informing me to call them to arrange a meeting to discuss my account. No one at Ditech will take responsibility for taking care of this issue. Every time I call them, the representative looks up my account and informs me that I am not late. I have gone as far as begging them to fix it and stop harassing me. I told the representatives that I would imagine that they are getting tired of getting phone calls from me ... to find out that someone does not investigate before harassing me. I tell them that this causes them having to deal with irate, frustrated clients over and over. I was told that they do not mind getting calls from us. Aaaaargh!!! They have taken no initiative to hold anyone accountable for investigating to see if there is a problem ... or if my account is tagged as being current. Each representative that I have had to call again tells me that, " Oh, there is a note in your file that this is not delinquent. '' The way that they report my payments do not show if the finance charges have been removed or if I am labeled as not paying. If this is happening to me, then I am quite certain that this is happening to others. I spend an average of 15 hours a month dealing with this issue. ( multiple automated phone calls to me, and multiple calls that I have to make to them each time ... and the time that I am on hold )
I HAVE FILED SEVERAL DISPUTES AND SUBMITTED ALL OF MY PAPERWORK WITH REGARD TO THE IDENTITY THEFT THAT HAS OCCURRED ON MY CREDIT FILES. XXXX AND XXXX HAVE COMPLIED BUT EQUIFAX KEEPS GIVING ME EXCUSE AFTER EXCUSE. FIRST THEY SAID THE PAPERWORK WASN'T SIGNED, WHEN IT WAS INDEED SIGNED. AND THEN THEY SAID THEY NOTIFIED THE MERCHANTS AND THAT THEY VERIFIED THAT THE ACCOUNTS WERE ACCURATE. 

I HAVE ATTACHED MY LATEST " REINVESTIGATION '' RESPONSE FROM EQUIFAX REGARDING THESE DISPUTED / ID THEFT ITEMS FOR YOUR REVIEW RECEIVED XX/XX/XXXX. THEY KEEP GIVING ME THE RUN AROUND. THIS IS THEIR THIRD REINVESTIGATION INTO THIS MATTER. 

YOUR IMMEDIATE ATTENTION REGARDING THIS MATTER IS GREATLY APPRECIATED AS IT IS HINDERING ME FROM GETTING A MORTGAGE LOAN. 

EQUIFAX DISPUTES SUBMITTED REGARDING IDENTITY THEFT ( XXXX ) : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX, EQUIFAX DISPUTES SUBMITTED REGARDING IDENTITY THEFT ( XXXX ) : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
We received a phone message mid XXXX to call XXXX XXXX to discuss a request to increase our credit line on our Lowes card. I check my Lowes card and the balance was zero. My last activity on that account was XXXX XXXX. I did not call the number back because I felt this was a phishing scheme. 

Then we received a letter dated XX/XX/XXXX stating that my credit bureau report was not accessible so they were unable to grant the increase. I called XXXX XXXX after reading the letter dated XX/XX/XXXX and informed them I had not made the request for an increase to my credit limit. I asked them to close my account. They asked for my SS number which I would not provide. I was n't sure if this letter was a scam or not so I hung up. 

On XX/XX/XXXXwe received a letter dated XX/XX/XXXX stating they had closed my account and I had a balance of {$8000.00}. I called the bank onXX/XX/XXXX after we got that letter and my wife spoke with XXXX who gave her employee number as 'XXXX '. XXXX stated they would turn it over to the fraud department and it would take 30 to 45 days to resolve. She said we should not make any payments and they would not report the account as delinquent to the credit bureau. 

I called XXXX XXXX on XX/XX/XXXX after we received the Lowes statement which is due XX/XX/XXXX. I was told the Bank knew the charges were fraudulent but it would take 45 to 60 days to remove the charges. 

I have filed a police report with the XXXX Police department and the report number is XXXX. I have made contact with one of the two Lowes stores where these charges were made. I with XXXX XXXX, Customer Service Manager, and he has turned this account over to their loss prevention department. 

Neither my wife nor I made any of these three these charges at Lowes. I request that Lowes and XXXX XXXX remove these charges from my account history and report to the credit bureaus that this account was closed per customer request because of fraudulent charges.
Years ago, 23 years ago to be exact, I had a Discover card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called Discover numerous times and they told me that they would take care of it. Recently, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in 2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from XXXX XXXX   ( validation information regarding the judgment ) which they never sent me.
Hard inquiry on my credit report thru TransUnion by XXXX XXXX whom I have NO BUSINESS with + have NOT CONTACTED for any reason.
My lease was up I moved out and the my ex that was on the lease. Her and I split up and the landlord would n't let me remove my name from the lease. And after I left my ex took over I went by to get mail and got arrested for coming to my ex 's place of residence. Then a few weeks later I get told when visiting my cousin that the land  Lord sue d me for damage to the property when I was n't there nor allowed by the law to be there and was never told of a court date. Or anything. They refused to let me take my name off the place I was n't allowed to be at. I should n't be responsible
I made purchases using my PayPal account. Each purchase is zero percent financing if paid off in a certain time frame. I have always made sure that the payments are made to continue the zero percent offer. Most times the offer is for 6 months. My last 4 purchases were for longer periods of time. In XXXX, PayPal started taking my payments and putting them on the purchases with the longer time to pay instead of putting them on the purchases that were coming due. I contacted PayPal. They are looking into getting it corrected. I am hopeful that they will. I am filing this complaint because they claimed it was a computer issue. If the computer did this to me, then it is doing it to other people as well. I felt that since you are consumer protection, you could do something about this.
My TransUnion report notified me that my previous mortgage lender showed me with a 30 day late payment as shown below. However, my account was paid current and never late and was actually being transferred to another lender three months after XXXX originated the loan with me. I was then sent a letter from the lender stating that I was protected from any late payments under Federal law for 60 days while the loan was being transferred on XX/XX/XXXX. I made my XXXX mortgage payment to FBC on time and their records will show the same. They then had to send that payment to the new lender since the new lender took over the account and was not showing a payment made to XXXX XX/XX/XXXX. XXXX then transferred my XXXX payment to them to get it current and for some reason they reported the payment as being 30 days late. 
Not only is this fraudulent, but they violated my Federal protection during the 60 day transfer window. I have contacted XXXX via phone XX/XX/XXXX and they said I have to wait 60 days for it to update. This is not acceptable and is fraudulent reporting on their behalf. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : : XX/XX/XXXX Pay Status : >Account 30 Days Past Due Date< Terms : {$0.00} per month, paid Monthly for 360 months Date Closed : XX/XX/XXXX Maximum Delinquency of 30 days in XX/XX/XXXX High Balance : High balance of {$560000.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : TRANSFERRED TO ANOTHER LENDER Estimated month and year that this item will be removed : XX/XX/XXXX
XXXX XXXX is incorrectly reporting 2 accounts on my credit report that are my husband 's not mine. One is a Gap  account with a balance of {$3100.00} and the other is an account with a balance of {$14000.00}. I was removed as an authorized user months ago as we are separated.
After speaking with multiple representatives from Key Bank and XXXX, I am still unsure as to the why I am no longer eligible for forbearance. I am told by the representatives that I have already exhausted my time in forbearance ; however they will not or can not explain the policy or law-basis for the time limit. Simply put, I would like to understand what the forbearance time limits are and what, if any, similar options are available. 
I finished my degree on XXXX XXXX, XXXX. As such, I do not have the financial resources to pay the required amount owed. So, in an effort to determine and understand my forbearance options, I contacted both XXXX and Key Bank multiple times. My most recent attempt was a call on XXXX XXXX, XXXX which resulted in an attempted transfer to a manager by the representative, which resulted in 30-plus minute hold and then a call disconnect. 
Because, after multiple requests, I have not received an explanation as to the basis for the exhausted time allotted for forbearance.
I APPLIED FOR AN SYNCB/XXXX STORE CREDIT CARD ON XX/XX/2019. I WAS UNDER THE IMPRESSION THAT THIS WAS A PRE-APPROVED SOFT INQUIRY CREDIT APPLICATION. WHEN I REALIZED THAT IT WAS A HARD INQUIRY AND THAT I WAS NOT IMPROVED, I ALSO RECEIVED AN ALERT FROM MY XXXX   XXXX ACCOUNT AND LEARNED THAT THIS EFFECTED MY CREDIT SCORE THAT I AM WORKING REALLY HARD TO IMPROVE. I DID TRY TO CALL A NUMBER PROVIDED FOR THE CARD COMPANY, BUT UNFORTUNATELY THE NICE LADY SAID IT WAS ALREADY OUT OF THEIR CONTROL. I WOULD NOT HAVE APPLIED IF I THOUGHT I WASN'T PRE-APPROVED. MY GOAL WAS TO HELP BUILD UP MY CREDIT SCORE BY MAKING PAYMENTS ON TIME WHILE ALSO PURCHASING A GIFT. I HAVE ALSO HAD A SIMILAR PROBLEM WITH AN ONLINE STORE/AUCTION SITE THAT I DID NOT REALIZE I HAD UNTIL CHECKING ON THIS SITUATION. I WOULD REALLY APPRECIATE ANY HELP THAT I CAN GET TO NOT LOWER MY CREDIT SCORE WITH THIS CONFUSING MISHAP. THANK YOU VERY MUCH!
I have already contacted Navy Federal Bank several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. 

I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. 

I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
I went in to XXXX in search of buying a house. After looking at my credit reports several inquires have been made which caused a significant decrease in my credit score. There were credit pulls on XXXX XXXX, XX/XX/XXXX from XXXX and from XXXX on XX/XX/XXXX. I was informed that the pulls would not impact my credit score or be considered as a hard inquiry.
XXXX has been irresponsible to correct information on my credit report. I have contacted them by phone, by their web page ( dispute an error ) and by letter. 
I have sent all documents and they still havent change the error. 
This is related with cfpb complain # XXXX about XXXX XXXX XXXX XXXX XXXX.
I've tried several times to settle the debt starting back in XX/XX/XXXX they have not only been rude but has harassed me also since then. Because of the mistreatment and the company not willing to settle the account. Contacting the CFPB is my last resort to end the cruel treatment I have received from this collection agency.
I feel the {$10.00} fee to freeze my credit report with experian is unjust and amounts to extortion. I never signed any agreement with this company to give them power over my credit, yet they yield the power to wreak havoc in my life by enabling identity thieves. It should not cost me a penny to protect myself from this, and other credit companies.
Hi there, for the past 8 months I have tried to have a fraudulent account removed from my credit. The collection company is called Rash Curtis. Originally I have XXXX accounts on my credit from this company. I disputed the accounts and they were removed then all of a sudden a new account from the company was placed on my credit with a new account number and the account was said to have been in collection since XX/XX/XXXX even though it appeared on my credit in XX/XX/XXXX!!! 
I have tried to contact the company 5 times by mail but my dispute remain unanswered but they apparently answer the credit bureau and have requested that the debt stay on my credit!!! 

Rash Curtis & Associates XXXX
On  XXXX   XXXX     2017 I rec eived a phone call from  XXXX   XXXX  wi th National Credit Systems , Inc  about alleged money that I owed to  XXXX   XXXX   XXXX  Homes. I told her to send me proof in writing to validate the debt. I know under the Fair Debt Collection Practices Act that they have 5 days to send me the information. I received the letter yesterday,  XXXX   XXXX   2017. I t was postmarked  XXXX   XXXX     2017.   Included was an invoice from  XXXX   XXXX   XXXX   XXXX , listing various charges and it was addressed to the apartment that I had moved out of. I never received this original invoice, so I never had the opportunity to dispute or keep it from going to collections. I do n't believe they mailed it because I would have received it since all my mail was forwarded. I tried calling  XXXX   XXXX  after I moved out many times and I never once received a return phone call. They also never tried to call me about anything I owed. my phone number that they had on file did not change. In addition,  National Credit  Systems failed to prove ownership of this debt.
After an initially delightful and responsive initial period, Citibank reneged on their written promises and confirmations. I will never get a loan from Citibank nor would I ever recommend getting a mortgage loan from them. 

Earlier this year, we found a condo that we fell in love with and made an offer. After getting our mortgage shopping done, we chose Citibank because they offered us an initial rate of 3.375 %, which was fantastical and better than the rate we could get at our own bank. 

Signing a contract for 90 days after getting our pre-approval, we were ready to close and move in. From the moment underwriting began, it became a nightmare. The amount of documentation required kept ballooning again and again with each time the lender assuring us that we were complete. 

After weeks of this, Citibank 's attorneys then caused even more delays, which my attorney fixed in fifteen minutes of writing an indemnification letter. At this point, our purchase agreement had long since expired, and it was only by the kindness of the sellers that we were able to keep our considerable escrow deposit. I had multiple written assurances from the bank that the rate would be locked in at 3.375 %. 

With underwriting complete, we set a close date. Just a week and a half before the close of the property, we received an email from Citibank -- a day after they had confirmed our original interest rate -- that they were going to hike the interest up to 3.5 %. They did this because they had to pull my credit report again causing my score to drop. This hard inquiry was completed WITHOUT my permission and WITHOUT notice. 

After several days of protestations, I spoke with the VP of lending at the bank, who said there was nothing he could do. I could either pay XXXX more dollars in discount points or risk losing my XXXX of dollars in escrow by going to another lender. This was simply extortion. I was left with literally no acceptable options. 

We reluctantly agreed to pay the discount points and closed just days later, but I will never get a loan or recommend Citibank for another mortgage. They do NOT keep their written word or deal in good faith.
On XXXX XXXX, 2015, I bought new furniture at XXXX XXXX in XXXX, Texas. I used their financial promotion no interest rate if paid in full in 24 months, they use Synchrony Financial. Around XXXX XXXX, 2015, I started to receiving calls from Synchrony when I was at work, they first called like around XXXX XXXX then every three hours after that, they kept calling for three days until I returned the call, I was told my payment was late, I told them I have not received my first bill yet, I gave them my mailing address and I was told I was going to get my first bill next month, Synchrony employee wrote a statement in the system explaining my situation about the billing. I month passed by and they started to call again like 5 to 8 times a day from XXXX XXXX to XXXX XXXX. I let them keep calling for like a week so for a whole week they kept calling 5 to 8 times a day from XXXX XXXX to XXXX XXXX. I returned the call and they told me by payment was late, I told them I have not received my first bill yet, this time they did n't care they kept asking for {$190.00} payment due. I told them this was an error on them, I gave my mailing address again but this time I repeated it to them for 3 to 5 times, I felt like I was doing their job just to have the correct address so I can get my first bill on time. Finally, I got my first bill on XX/XX/XXXX so I 'm filing this complaint to get {$190.00} to {$2500.00} back from them because this an error from them, they kept wasting my time, and my credit score went down thanks to them. Attach are copies of their bills I did n't get on time because they had the wrong address. Also, attach is a copy of my sales order from XXXX XXXX with my correct address. I hope you can help me and protect others from companies trying to play dumb in order to make more money. 

Thank you, XXXX XXXX
Auto loan company called at XXXX I was in bed and thought it may have been my mom I answere the phone and the lady was calling to collect on our auto loan payment. I let her I would pay in three days and it's not 30 days late. She proceeded to try to harass me into making a payment I let her know I would make it. She kept insisting I make the payment now and I let her know it was late and after XXXX she didn't seem to really care and said she was just trying to collect payment. I let her know she isn't allowed to call after XXXX and so I hung up.