WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter that fraudulant activity occurred on my Capital One account that I put in my husband 's name ( as a XXXX card under my social security number ). Capital One is refusing to speak with me and close both of cards as they say I am not a account holder on the card ending in XXXX. However, this is not true. I got this extra card for him. The bill comes addressed to me with both my card and my XXXX card charges on it for payment. 

The fact that they are refusing to let me speak to someone that can help me and resolve this an unfair and deceptive business practice. A " XXXX '' with badge # XXXX refused to help me. He would not explain the fraudulent charges, not close the account. 

As I said already. I opened the extra card under my social security number as a XXXX card. Capital One sends me the bill and am expected to pay it, yet they are refusing to discuss the fraudulent activity with me nor close the account. Any fradulent activity with negatively effect my credit rating and credit.
I contacted XXXX, Transunion and XXXX asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted from my credit report
My variable interest loan is with Bank of America and I contacted them by phone to change it to a non-conforming product. XXXX XXXX was the agent I got and he sent me the attached offer on XX/XX/2018. He has not responded to multiple emails and voicemails. I also sent a message to the monitoring person from B of A who was copied on his email to me without response. Yesterday I called the Banks concierge line to find out if this person still worked for the bank and while I was on phone the concierge established contact with XXXX XXXX by message to inform him I was holding for him. He never came on and never called back even though I gave my number for the umpteenth time. 
I then called his boss and left a message - XXXX XXXX ( XXXX XXXX XXXX ) - no response. 
I have lost money by waiting. This is a XXXX dollar loan.
I submitted a request to Equifax to remove credit inquiries on my report that do n't belong to me. I 've called in reference to this ; they say they 've investigated but wo n't provide any proof to their findings. I submitted a dispute online and got the same thing. These inquiries do n't belong to me, they wo n't remove them, and they wo n't send proof that I approved the inquiries on my credit report.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX

5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX
We were enrolled in the HAMP program and Mr. Cooper is the debt service. We were hit hard by Irma, evacuated and suffered damage to our roof, it's still there but is leaking and falling apart. We were dined by our insurance company, which is forced upon us and we can't get out of it due to previous storm damage but THAT's a whole other story, now since we took Mr. Coopers disaster help they are saying that we have been disqualified from the HAMP program due to late payments. They say the know full and well that we are NOT late but are saying we ARE because we took the 6 month forbearance program that was offered to us. In short they just pocketed the XXXX in principle deductions we were promised as a reward of timely payments, ya see what's going on here.
In XX/XX/XXXX I lost my job and went through a loan modification with JP Chase. During that period my payments were lowered to make affordable. From XX/XX/XXXX = XX/XX/XXXX, I only worked XXXX position until I became permanent at XXXX XXXX in XX/XX/XXXX. At that time, I contacted Chase to see what I needed to do to get back on track. I was put on another modification, b which started in XX/XX/XXXX, whereas I paid an addition {$340.00} on top of my {$860.00} mortgage payment totaling {$1200.00}. 

Since becoming gainfully employed, I have made every payment on time. About 4 weeks ago, I tried to refinance with another company in order to get cash back for home improvements. At that time, I discovered I had a {$43000.00} ) subordinate mortgage. 

Over the past week, XXXX XXXX XXXX and myself I have attempting to get clarity from Chase and have gotten nowhere. I have been placed on hold, transferred several times, hung up on, been back and forth with different representatives for over one hour and still they can not explain to me what they did. In fact, they have asked me what they did, my reply, is, Im not quite sure, you did the transaction, so Im hoping you can explain it to me. 
Below is a table of balances : Principal Unpaid Principal XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX As you can see, something is not adding up. 

Any assistance would be appreciated.
I was offered to get an interest charge credit back to me for {$100.00} and {$19.00} for the XXXX XXXX statement for 2017. I have gone over this with various folks that this was offered to me for a courtesy as promos were not applied properly at checkout times. This was confirmed by a rep for the credit card and now they send me multiple messages stating the below answer. 
( Thank you for your recent inquiry regarding your Walmart account, and the opportunity to be of service to you. 

We have completed our investigation of your inquiry and have provided you with the resolution. Unless you have additional information, we have no choice but to consider this issue resolved. If you do have new information that may assist in our review, please call us at XXXX or send any additional documentation to the address listed on your billing statement. 

We appreciate you as a valued Walmart customer and hope you will continue to shop with us. 
If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below. )
My experiences with Navy Federal have been poor the last month. I 'm a XXXX XXXX member, so there has never been any question of my qualification to join. Sent proper paperwork to membership. Received welcome e-mail and applied for credit card, checking plus savings, and checking line of credit same day. Until a month again my account got hatch, I lost my credit card and someone withdrawn money out of my account. Navy blocked my account and they also never notified me on this action. They refuse to let me talk to a manager for about 4 months. Now one wanted to help me and they even told me i had to pay it back and make me over draft over {$6400.00} by someone who had gotten my checking account and savings account information number. I asked NFCU to investigate but they told me " it just was n't worth it ''.
My mortgage servicing company " XXXX XXXX XXXX '' has reported many of my mortgage payments as late. I disputed the " Late Payments '' with Equifax, XXXX and XXXX. Equifax and XXXX have finished their inquiry and they still show my payments as late. Equifax and XXXX were also provided with the attachment. 
Please see the attachment. The attachment contains email confirmations send by XXXX XXXX XXXX to me about the payment dates and copy of my bank statements for the months XXXX and XXXX. My mortgage agreement gives me up to XXXX day of grace period each month to make the payment. As you can see from the attachment that all the payments were received by XXXX befor XXXX of each month, therefore, these payments are " On-Time ''. Please help me resolve the issue and remove all the " Late Payments '' from my credit report. 
Equifax Case ID : XXXX Case ID : XXXX Case ID : XXXX
Ingo money is a check cashing service that is partnered and linked to my prepaid XXXX. Ingo money has denied all services to me directly to use thier services. I have done nothing to cause ingo money to deny any checks I present. I have never once presented a invalid or bad check to ingo money. I have not had any suspicious activity with ingo money or XXXX XXXX. 

I tried to speak with ingo money regarding this decision. They have no reason given why they are discriminating me as a customer. I was promised a promo code when I use thier services. I did not recieve the perk from the promo code because I was denied the service.
They are saying they are collecting a debt for a payday loan. When I ask for a validation of the debt they say they have sent it, but I have not recieved nything from them. Also I have told them it was included in my bankruptcy in 2013 and I have told them to contact my lawyer and to quite calling me. They calling me several times a day.
On or about XXXX XXXX, 2016, I applied for a VA Mortgage with Quicken Loans ( QL ) because QL was listed as the nation 's second largest VA Mortgage lender at the VA website. QL demands that I prove that I possess {$12000.00} on hand to cover for the closing costs, however, QL refuses to break down what closing costs amount to that number. I did convey to QL that I had {$12000.00} in cash assets available before QL demanded {$12000.00} for the closing costs and then increased the amount to XXXX.
in XX/XX/2010 i took out loans of XXXX dollars. I lost my job and dont have steady income currently. Nelnet wants tax forms I dont have. Once i get a job i will go be making on time payments. just looking for a little good will while. I get back on my feet.
There was an inquiry on my credit report by Winn Law Group out in XXXX CA. My credit report IS locked and they still got through! After searching their name on the internet, turned out it is debt collection 'lawyer ' according to the reviews. 
I haven't had any debt for 12 years!!! never heard of them, never heard from them! I had to put a fraud alert on my credit report and had XXXX  to investigate the inquiry. How is it possible in this age and technology for scambags to have access to the post private information??!!
Unfortunately in XX/XX/2016, XX/XX/2016 through XX/XX/2017, and also XX/XX/XXXX and XX/XX/2018 monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XX/XX/2018.

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own. I appreciate your time and look forward to receiving a favorable decision from your department soon.

Regards, XXXX XXXX XXXX
XXXX XXXX CU I never had a XXXX account Reported : XX/XX/XXXX {$16000.00} Closed Overview You're currently using 1107 % of your account 's limit. 
Balance {$16000.00} Credit limit $ XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Payment History Youve made 77 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$16000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Times 30/60/90 days late
There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  XXXX  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.
On XX/XX/2018 i contacted transunion and i was told that i am locked out of my report for life i will never be able to get into my report online please fix this i have been dealing with this for a long time because someone took my id after i got out of the XXXX and was on XXXX XXXX  for a long time and now i am paying the price for this over and over again
I submitted all my information for a short sale on  XXXX   XXXX ,  2017. Every ti me we call in they say there is nothing new to report and it is still in the process of review. They are failing to abide by timeline guidelines for response and the initial processor will not give a point of contact on the file, so every time I get different information.
I am eight years out of school, and my private student loans have been bought and sold between companies several times. For the past several years, Discover has owned them. Here 's what 's happening : I am set up for autopay. Occasionally, about every six months, I 'll make a large principal payment, submitted through the mail. 

Every single time Discover has not applied this payment to principal, but used it to suspend my autopayments, using the principal payment as a time-release regular payments. A month goes by, and I notice that my autopay has not gone through, so I call and make them apply it to principal. 
Every time they apologize, every time I ask if they 're going to refund me the interest they 've charged me for that period, and every time they tell me it was an " error '' on their part, so they do n't have to do jack. During my last jaunt with customer service, one of the reps actually tried to placate me with " It only works out to about four cents a day for you. " That they 're stealing from me. 

Initially they tried to tell me it was my fault for not checking the correct box ( apply to principal ) on the slip, or writing it on my check, so I 've started taking pictures of my checks and slips. For a few months they had actually removed the " apply to principal '' box on their mailing slips, but as of last month it was back on. I 've gotten suspicious enough of their shady practices to request an in-detail payment history. Still waiting for it to arrive.
XXXX XXXX and/or her daughter XXXX. OWES XXXX XXXX XXXX XXXX XXXX XXXXandeTitle Agencyin XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Debt collector XXXX communication tactics false statement and misrepresentation Assignment fraud substitution of trustee fraud OPERATES XXXX ... XXXX OWES XXXX XXXX XXXX XXXX XXXX XXXXandeTitle Agencyin XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Debt collector XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Debt collector XXXX UNDER THE CONTROL OF The debt collector law firm under the control the control XXXX XXXX and/or her daughter XXXX. OWES XXXX XXXX XXXX XXXX, XXXX XXXXandeTitle Agencyin XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Debt collector XXXX MIRROR THE ACTION OF DOCX ( XXXX XXXX OWES XXXX WITH A XXXX ADDRESS WHEN ASSIGNMENTS ARE CHALLENGED FOR FRAUD DEBT COLLECTOR XXXX UNDER THE CONTROL OF DEBT COLLECTOR CONTROL OF XXXX XXXX : XXXX XXXX and/or her daughter XXXX.Debt collector AND ARE USING SUBSTITUTION OF TRUSTEE AS MEANS TO MOVE NOTE AND MORTGAGE FROM DEFUNCT ENTITY TO NON EXISTENCE XXXX TRUST when assignment are challenged in court for fraud these are the local actors in XXXX UNDER THE CONTROL OF DEBT COLLECTOR FOR LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
not able to get Equifax report are XXXX repot there are XXXX credit card on my name XXXX.
On  XXXX   XXXX ,  2017, cont acted Experian regarding dispute with  XXXX ,  XXXX  Experian did not properly investigating the validity of debt with  XXXX   XXXX   XXXX   XXXX   . I  notified Experian that I provided  XXXX ,  XXXX , documentation that disputes the information  XXXX   XXXX   XXXX   XXXX  initially provided and that information was not requested and inaccurate information was submitted to the credit bureaus.
I tried to push money from another bank to the BBVA bank for a new account. instead, it pulled. Tried to contact via secure message but didn't hear anything back after 3 business days. phone calls are hard because of a XXXX so secure message is the best way to talk and they refuse to answer the message
XXXX is reporting incorrect information on my credit report. Per my conversation with this company, they were supposed to update their information to reflect account was paid. It is still open on my credit report and not showing that it was paid in full according to their terms that were offered. 
I was told that if settled that this item would be removed.
this account does not belong to me. this account belongs to my ex husband or possibly identity theft. i have attempted to dispute this multiple times and the company has been extremely uncooperative. i would like this account deleted immediately.
I refinanced my home mortgage in XXXX 2016 with USAA Federal Savings Bank. {$1400.00} was deducted from my checking acct and a cashier 's check was mailed by my bank XXXX to USAA Bank for receipt by XXXX XXXX, 2016 for my first payment. I followed up with a call to USAA Bank on XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX stated that they did n't receive the funds that it was n't in their system. XXXX said to call back in five to seven business days. I called again XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX stated that they never received the payment and that I needed to make a payment before XXXX XXXX, 2016 or late charges would be applied to my mortgage account. XXXX instructed me to get a notarized letter from my bank stating that the transaction occurred and a bank summary of my account transaction for XXXX XXXX, 2016 showing that the the amount was sent to USAA Bank and fax the documents to USAA Bank 's research dept which I did that same day. I again called USAA Bank on XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX checked with their research department and said that the payment was n't there. I 've also checked with my credit union XXXX XXXX branch many times. XXXX XXXX a supervisor has done an in dpth analysis of my checking account and showed me that in fact USAA Bank did receive the funds on XXXX!, 2016. Until this is straightened out, I 'm out {$1400.00} because of someone 's lack of concern and incompetence. I 'm a XXXX XXXX XXXX vet on XXXX. This is a whole lot of money being taken from me that I really need.
I am writing to see if I can do anything about Cavalry Portfolio Services. In XXXX I co-signed for my son to purchase a car ; unfortunately it was repossessed the same year. I did not hear anything else about this until I tried to refinance my home in XXXX. At this time I have found out that the Title to my home has been attached by Cavalry since XXXX for the loan and the debt has been gaining interest and now I owe {$21000.00}. I was never contacted that this debt existed, and I was never served with a complaint. What can I do. I believe this is a crime.
On XX/XX/XXXX I ordered three different withdraws from Coinbase to my XXXX checking account. The amounts are {$200.00}, {$67.00}, and {$3.00}. The transactions say complete on their app and that the money should have arrived by XX/XX/XXXX. It is now XX/XX/XXXX and I have not a clue where the money is. Their customer support said my transaction went through but there is still no money in my account so I replied back to them and received a vague answer with no clear direction. I need the money and they seem to be beating around the bush on its whereabouts. I have attached a .pdf of my transactions and conversations with customer support.
Buckles and Buckles, P.L.C. has wrongly made numerous attempts to collect on a debt, provided the court with untruthful information leading to a default judgment against me for {$10000.00} which I NEVER received service of. After I contacted Buckles and Buckles informing them I was the wrong XXXX XXXX and providing my social security card proving it did not match the social security number listed on account. Somewhat incredibly Buckles and Buckles refused to dismiss the judgment and more incredibly refused to properly investigate, maintaining their original position. Additionally, once i became aware of their attempt to tag me onto this debt, i sent them a letter specifically requesting proper validation. Buckles failed to provide any kind of legal documentation of any application.
I have previously submitted the FTC request for permanent opt-out for credit card offers. Capital One is the ONLY company who consistently continues to send me pre-approved credit card offer requests. Further, there is nowhere on their letters ( most recent one is attached ) that allows for an opt-out to stop receiving their communications. It is extremely frustrating and I believe their letters must not be in compliance because every other offer I have ever received allows the consumer to opt out in some way. Capital One does not include anything though.
XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/EQUIFAX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT XXXX XXXX XXXX   HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX  N/A XXXX  : XXXX, XXXX  Transunion:XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX   : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX.
Company did has not communicated with me about this alleged debt. There was no notice sent to me about me owing this alleged debt and I was not notified of my rights to dispute this alleged debt.