WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One Bank ( USA ) , N.A . ( " the Bank '' ) is engaging in unfair, deceptive, abusive acts and practices by violating my rights under the account holder agreement for my Capital One Visa Platinum account. I recently relocated to a new state and updated my billing information with the Bank. Apparently this modification triggered a fraud alert in their system, which prevents me from accessing any account information ; information I need to remit payments and review ( 1 ) my balance, ( 2 ) account activity, including debits and credits, and ( 3 ) a copy of my rights under the account holder agreement. At the encouragement of the Bank, I foolishly enrolled in online statements, I do n't receive paper statements regularly. As a result, this system that is now prohibiting my access is my only source of this data. 

While I am not particularly concerned about ever using this account to make purchases again, I believe that Capital One is violating a number of consumer protection laws by not sharing my current balance or transaction data with me until I produce an onerous amount of documentation to prove who I am ( apparently the multiple telephone identity verification processes and desire to pay my bill are not sufficient proof of who I am ). The Bank does not have the authority to make such a demand or, if they do, I would n't know because I am unable to access a copy of my account holder agreement to review my rights. 

A large bank like Capital One should know that there are many identity verification services such as XXXX XXXX or even the USPS change of address system that would provide ample proof to the Bank of who I am and that I relocated. 

This action may be pervasive and affecting consumers at large. I encourage the CFPB to issue a Civil Investigatory Demand ( CID ) to the Bank to determine whether or not this is a widespread issue. This fraud block prevents a consumer from accessing information needed in order to pay their bill, potentially causing severe harm to consumers. I believe that this demonstrates, at best, willful neglect on the part of Capital One Bank who would certainly continue to charge additional interest and late penalties, furnish data to credit reporting agencies or charge off this account should I fail to remit regular payment on this account. 

Other, more responsible financial institutions, have implemented effective alternative methods to ensure that accounts with suspected fraudulent activity do not incur additional charges while still allowing the account holder to access relevant data about their account. 

I was able to obtain an unverified total current balance from the fraud manager who I spoke with after I was told it was a violation of their policy/procedure to provide this information to me. I have remitted a payment for this full amount to the Bank, although I have not had an opportunity to review the transactions which make up this balance.
Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX XXXX and Experian still show it on my creditreport I want it off now.
Since Discover card was opened in XX/XX/2009a payment protection plan was enabled on the card without my knowledge. The account has been on autopay and I did not check my monthly statements. Discover had enabled a so called payment protection plan which I was never aware of and never used. I have been charged around {$12.00} per month for 9 years. Almost {$1300.00}. I called discover when I noticed the charges and was told I could cancel the service and get one month back. I said yes cancel the service and credit me, but that one month was unacceptable  as I had never signed up for the service. Was told this is the best that can be done. I called back and asked for a supervisor who said he could credit me 6 months. I explained I never signed up. He said it was the best he could do. I plan to pursue the money owed back to me however I am able as I know that I did not sign up for this shady product.
I received a bill for XXXX from SLS servicing on XXXX/XXXX/XX/XX/2015, on a Home equity line of credit i had taken out 10 years earlier. It said balloon payment due ( Final notice ), and if i do not pay by 30 days i am subject to foreclosure. This bill was for XXXX, the limit on the HELOC was only XXXX. I paid it off last week, and they deleted the extra amount due to make it the true balance of XXXX. I just do n't want this to happen to anyone else, and if they get an older rich person, they might just have sent them the higher improper amount. Thank you. 

XXXX will attach a copy of the bill if you want or call me with any questions at XXXX.
On or around  XXXX   XXXX ,   XXXX   there was an unauthorized transaction with my debit card and when I received the text message I replied no to not authorizing the charges. All of my accounts have been blocked and now I am responsible for the negative balance on my account.
Franklin American Mortgage company advised that I needed additional flood coverage, which I purchased and my insurance Co. sent a fax stating I had the extra coverage. FAMC maintained they did n't get the fax so I had my insurance co, send a XXXX fax. FAMC admits they received that fax and they posted it on XXXX. I received my XXXX house payment bill and it showed that I owed an additional {$48.00} for insurance which FAMC said it purchased on my behalf. I called FAMC and complained about my bill and the lady looked up my account and advised me they had mad a mistake and not to pay the extra {$48.00}. I asked her to e-mail a copy so I would have proof that I did n't owe the extra money. She stated that I would receive a confirmation e-mail between XXXX and XXXX hours. After waiting for more than XXXX hours, I again called FAMC and spoke with a supervisor named XXXX on XXXX. She too stated I did not owe the extra {$48.00} and I told her why I wanted an e-mail verification. Her reply was " I promise you I will check into it and I will call you by Wednesday XXXX. '' I still have not heard from XXXX. On XXXX at XXXX, I again called FAMC and this time I spoke with supervisor XXXX. She also said I did n't owe the extra money. but when I asked her the name or the entity that I must contact to file a complaint against FAMC, she hung up on me. I immediately called back and contacted supervisor XXXX. She said she would look into it and call me " right back. '' I asked her how many days or weeks it was going to take her to call me and she repeated " I will call you right back. '' It has now been XXXX hours and XXXX minutes since XXXX said she would call me right back. If you have any authority over matters like this, I certainly hope you suspend XXXX 's right to hold mortgages as they know nothing about running a business, let alone XXXX that hold a lien on real property. 

Thank you for your prompt attention to this matter. 
Sincerely ; XXXX XXXX XXXX XXXX XXXX XXXX
School XXXX  XXXX  Lender XXXX XXXX XXXX XXXX  Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$6000.00} XXXX  XXXX Lender XXXX XXXX XXXX XXXX  Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$1000.00} School XXXX   XXXX  Lender XXXX XXXX XXXX XXXX   Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXXXX/XX/XXXX Original Principal {$3500.00} School XXXX XXXX Lender XXXX XXXX XXXX XXXX Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXXXX/XX/XXXXOriginal Principal {$3500.00} XXXX  XXXX Lender XXXX XXXX XXXX XXXX Guarantor XXXX XXXX XXXX/NAVIENT Disbursement DateXX/XX/XXXXOriginal Principal {$6000.00}
I had a XXXX 's card back in XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX 's representative. Seeing as this was their error, they corrected the information and removed the late fee. 

Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX 's said was being removed ) is still on my credit record. I even closed that account over a year ago. 

I would like this error removed from my credit history, not just a late fee removed.
Have requested several times for Equifax to send me my correct and updated credit report and score ... still have not received it.
I disputed a debt with Equifax-stating the collection company, XXXX XXXX XXXX had no legal basis for debt. They purchased the debt from The XXXX apts in XXXX Florida.The Apt accused me of damages that I disputed.They without having any legal proof of the damages, simply sold the debt to the collection agency..It appears that the apt complex does not have to prove the debt it merely sells it.the only proof of debt the collection company needs is to simply prove it bought it. I do not owe this debt, but must hirer a lawyer at great expense to remove it from my credit report. 
Second part, Equifax reports a judgement against me that was overturned.I sent them copies of the Court orders, yet they claim it is a judgement against me and I will have to change t myself.The point is Equifax does not follow though on the details of their reporting to determine whether their members have legitimate legal claims.The only recourse a person has is go through the expense of hiring an attorney, I have many documents to prove this and will send them at your request-I am XXXX years old -do not know how to attach copies-and wanted to get this started =please advise and I will have my daughter send them later
I have an unauthorized hard inquiry on my credit report Avantus LLC XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX
Experian Credit Bureau has been and currently still is reporting erroneous information/dates and they refused to reinvestigate, update, and now delete the items after numerous attempts and disputes. I had a charge off from an old XXXX credit card that has since been deleted due to statute. I paid this debt in a settlements through XXXX in XXXX of XXXX ( should have been deleted in XXXX of XXXX ) and also present another old collection XXXX XXXX XXXX paid in XXXX XXXX ( scheduled to drop off XXXX in reality however Experian has added on an additional year and months to remove in XXXX!!! ) Experian is guilty of the following : 1. Reporting the last dates of delinquency erroneously/inadequately. 
2. Failing to update status to CLOSED XXXX XXXX XXXX. 
3. The original debt ( XXXX ) had been removed and XXXX XXXX should have been also. 
4. The statues have expired. ( NY 5 Years from 1st delinquency ) 5. The false information reported has caused an application denial for a {$25000.00} housing grant in XXXX. 
At this point, after exhausting all efforts to have them report the correct information, I will now pursue legal action against them. I have any and all proof of the above as requested.
I have items listed on credit report and they are not mine. They also list a State of Missouri child support and the information they report is incorrect and false ( example I only owe {$10000.00} and they say XXXX and no payment history which record from state attached shows the report is wrong ). I do have a mortage, I do not retail cards, and other loans they list.
In XX/XX/2016 XXXX XXXX from XXXX XXXX XXXX XXXX contacted me via phone stating that she could help me with my student loans. ( consolidate them and review my account each year to see if my income has changed drastically and if not then I would not have to make any payments throughout the year. This would be done every year for 10 years and then my loans would be forgiven ). She stated that the total cost was {$750.00} ( {$250.00} for 3 months ) which has been paid in full. I have since come to realize after being contacted by Navient several times regarding my loans being unpaid that they had nothing to do with that agency and I still would need to make payments. They are investigating this matter as well but advised me to report this issue to Consumer Protection which has instructed me to file a claim with FTC Agency. Basically I just gave  {$750.00} away.
Nelnet keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that nelnet be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as nelnet is doing illegal collecting and reporting practices
XXXX XXXX XXXX XXXX is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from TCF NATIONAL BANK. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with TCF NATIONAL BANK and I am able and willing to settle the debt with them. The reason the debt with TCF NATIONAL BANK was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with TCF NATIONAL BANK multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with TCF NATIONAL BANK directly.
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. 

I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. 

I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. 

No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
I have paid {$2200.00} in " principal only '' payments to my mortgage company. The amount was recorded on the PRINCIPAL ONLY line on each statement and PRINCIPAL ONLY was recorded on the memo section of each check. They applied these payments as regular payments and when I checked last month, they had me paid in advance until XXXX of this year. I have called them three times, most recently on XX/XX/XXXX ( XXXX ) and each time I was promised a copy of all payments and how they were applied to my account for the past two years but a statement never comes. I have written twice and no reply. I am ready to contact my local news station but want to try this first. These are the check numbers : # XXXX for {$300.00}, # XXXX for {$500.00}, # XXXX for {$300.00}, # XXXX for {$300.00}, # XXXX for {$350.00} and # XXXX for {$500.00}. These were personal checks as my bank sends a separate draft every two weeks in the amount of {$360.00} in advance of each monthly payment. I want these funds applied to principal only. There is no pre-payment clause and I feel what they are doing is FRAUD. The company is DiTech Financial and payments are mailed to XXXX XXXX XXXX XXXX IL.
WESTERN UNION 'S REFUSAL TO TRANSFER MONEY,, SENT COMPLETED QUESTIONNAIRE FOR REVIEW, NOT SATISFIED AND WANTED MORE UNWANTED INFORMATION, MONEY SENT ON XX/XX/XXXX FOR {$200.00} NOT TRANSFERRED AND NOT REFUNDED. 

XX/XX/XXXX : Transaction Date : XX/XX/XXXX XXXX ET, Tracking No : XXXX. 
Western wanted to complete a questionnaire. 
XX/XX/XXXX : Forwarded the completed questionnaire. 
XX/XX/XXXX : Western Union was not satisfied with the answers and wanted more supporting documentation, which I do not have or I am not supposed to provide. 
XX/XX/XXXX : Transaction No : XXXX for {$100.00}. Declined to transfer. Requested for transfer and it was refunded. 
Transaction No : XXXX for {$200.00}. Declined to transfer. Requested for refund. But as of XX/XX/XXXX, the money was not refunded.
Bank Of America received my Impounds bill on XX/XX/XXXX, and held onto the money in my account because they were not delinquent till XX/XX/XXXX - I sold the loan, and closed escrow on XX/XX/XXXX, they mailed me the balance in my impound account but failed to tell me they did n't pay my impounds, nor did I received a due bill from county accesor 's office until today, showing a late fee of {$160.00}. Bank of America claims they tried to pay it on XX/XX/XXXX and it was rejected ( Who pays your taxes once the loan 's been paid off -They should of paid it once it came due? ), then they said they mailed me a notification of what was paid off on XX/XX/XXXX - I never received anything, ( Taxes were delinquent after XXXX? ) I 've called twice today-XX/XX/2017, and spoke with Supervisor, XXXX, and another associate XXXX after waiting over 39minutes on the phone they refuse to pay the late fee 's saying the account is closed, and it was my responsibility- I have no problems paying my bills if I know they 're due, but since my bill was due XX/XX/XXXX and escrow did n't close till XXXX - I was under the impression they paid the bill they received for me. Ridiculous.
I want to respond to my complaint that I filed for # XXXX. The company that I have identified is part of XXXX ADDRESS : XXXX XXXX XXXX XXXX CA XXXX. XXXX. XXXX bank is working on behalf of IMPAC XXXX XXXX Corp. Mortgage Pass-Through Certificates, XXXX XXXX. I was sent a letter by XXXX XXXX XXXX and it was stated that XXXX was working on behalf of IMPAC and was my investor. I need help for my home and I want to keep my house. Please check to see if this Investor is legal and is being investigated by The Dept of Justice ( DOJ ). Please thanks.
My credit report is showing XXXX individual student loans dating back to XXXX when I first started college. All of the loans have been consolidated into XXXX big loan and deferred because I 'm currently in XXXX XXXX, I can also see the consolidated loan on my credit report. Should n't those XXXX individual loans have come off my credit report. Now it looks like I have double the amount of loan debt and on top of that the XXXX loans are showing delinquent in payments even though they have always been deferred til XXXX. I tried complaining to navient them showing delinquent but they claimed there was nothing they could do.
mortgage co. foreclosed on our home without any knowledge to usi have tried to find justice before, only to receive spread sheets from mortgage coco. instead of directing the issue, that we were mislead and deceived. we could n't fight fight what we could n't see coming.. is there justice for us? I have a letter and documents attached.
We have fallen behind on our auto loan through united auto credit. We moved to a different state to get fresh jobs going. I want to work out a resolution, but when you speak to these people it 's like talking to angry kid that got there candy taken away. They are the most unprofessional people when dealing with them. Not only do they call me in the mornings before XXXX they are calling my family and relaying information about my loan to family. Which I know I have rights and may pursue. They are extremely demanding hateful and rude.
I stopped reaching out to them as how to apply my funds when I was making huge payments. I consolidated and they told me everything would be fine, and after looking harder, some of my interest rates tripped, I could not believe it! They are crooks and wo n't even give me a chance to pay back loans, they just want money ( same thing with XXXX, same company different name, they never answered any questions coherently, always trying to confuse and never be straight with a borrower ). I was paying close to XXXX, and I saw my balance go down XXXX-XXXXdollars, how can that be FAIR or RIGHT. SO much for me owning a home or become self reliant as I have student loans overtaking my earnings. There needs to be change, as we are trying to become productive adults, but not when all of a sudden my monthly bill went to XXXX dollars, great. That is what I have to pay this month. We need honest NOT FOR PROFIT loan services, as all they do is take advantage of the educated, and reap huge profits by making our lives even more entrenched in student debt, instead of helping adults get out of the debt. Now payment rules changed to 15 % of discretionary income???? Why do new borrowers get treated better by only having them pay 10 % of their income a month. I do not understand why there is so much bureaucracy, and all it does is hurt the middle class! I hope CFPB can help us normal people, as we have no one else to help defend us from servicers that take advantage of normal people, just to line their pockets outrageously!
I submitted a complaint # XXXX concerning Transunion stating a negative item was removed yet it was not. Transunion said on XX/XX/2018 that they would investigate this issue and give me a response. 

I received another Proof of current mailing address request again from Transunion. The first request I received was on XX/XX/2018 ' I am confused as to why Transunion is stalling in removing the negative item from my credit file ( XXXX ). Something they previous said they removed already.
I have a second mortgage with Citi financial, running behind for XXXX payments due so far, I tried to make a payment over the phone for one full payment and they said they will not take XXXX payment, the said the minimum amount will be a payment and half.
THIS ACCOUNT WAS REPORTED FRAUD XX/XX/2018 AND WAS CLOSED, ANOTHER ACCOUNT WAS REOPENED. THIS ACCOUNT WAS REPORTED FRAUD AND SHOULD NOT REPORT ON CREDIT REPORT. XX/XX/XXXX I HAVE SPOKEN WITH XXXX AT XXXX AND XXXX HAVE INFORMED ME THE ACCOUNT SHOULD HAVE BEEN REMOVED MY CREDIT REPORT AGENCY AND SHOULD NOT HAVE APPEARED. XXXX HAVE INFORMED ME SHE WOULD NOTIFY ALL BUREAUS TO HAVE ACCOUNT REMOVED.