WillisBack/dataset-financial-user-claim huggingface dataset:
I have several accounts with CapitalOne, including Credit Card, Money Market and Checking. 

For a number of years, I have been registered with their website so I could review my accounts from time to time online, including monitoring credit card charges Recently when I tried signing on, I was informed that they have redone their site and one piece of information required for me to access my own account was inputting my salary. Without completing this field, i would not be allowed to access my personal accounts online. I am XX/XX/XXXX and even if I didnt object to giving my salary, it jumps so I may be put in the box someday by CapitalOne saying I gave false information when there was a significant change in my salary from what was submitted.. 

I called " customer service '' and was told that the marketing department had implemented this so they could evaluate marketing other products to me and other customers. 

I told them I did n't want to be marketed any additional products and the " customer service '' person opted me out. Nonetheless, I still ca n't access my account without inputting my salary. 

The " customer service '' person said only marketing had control over this and all she could do was submit a " compliant ' on my behalf. 

My credit score was and continues to be in the Excellent range. And as a matter of fact, CapitalOne tracks my credit score for me showing just that. Isnt my credit score the way they evaluate extending credit to me? 

I just returned from a trip in XXXX and used two of my accounts while in XXXX and I ca n't access the accounts online to make sure everything is proper and there are not false or incorrect charges. 

It is clear to me that this marketing decision to further intrude into my personal information and with so many breaches of websites we read about, this just puts more information out there. 

Hence, in order to market more products ( which I do n't want ), Capitalone is saying " to the heck with you and your privacy and even though it does n't affect your present accounts, we are holding your account information online hostage until you do what our marketing department wants - i. e. to bombard customers with offers I do n't want. 

Please force CapitalOne to stop the unfair and deceptive practice of denying me access to my personal deposit and credit information because I wont give them personal information. SINCE THIS IS A MARKETING DIRECTIVE, THERE IS NO REASON TO HOLD MY ACCOUNT INFORMATION HOSTAGE. They can always look at my credit score in evaluating continuing to provide me credit. 

Although I think this should be totally banned, here is and easy solution is for anyone who hasnt opted out, eliminate this question. They can have a box to check about the salary which says, check this opt out box and you dont need to provide salary. 

I appreciate you looking into this unfair and deceptive business practice.
This company is reporting erroneous and unverified information in my credit file.  This information is not being reported correctly and should not be reporting at all. Please investigate this erroneous frivolous information.  Equifax needs to be investigated on a XXXX level and shut down for the negligent handling of consumers accounts.
XXXX XXXX  - Unverified erroneous account that is reporting incorrectly and has been reinserted from a previous time.
I have reached out Grant and Webber, XXXX, and XXXX  so many times for proof of contract with this debt. I have not received anything from neither companies.
Hi, I was given misleading information from AMEX rep via the phone two times : 1. I wanted to close my credit card account but did a credit card conversion to a different card instead because the rep told me I can keep the old credit card history and it wont open up a new account. This is not the case on my credit report. 

2. I requested an investigation a few months ago and was told I will be reached out for explanation. It never happened and when I called and asked today I was told there will be no response if they deemed they didnt do anything wrong. 

In summary, I opened up a new credit card account with misleading information and American Express refused to correct the mistake or provided any compensation for my loss.
Citibank closed my account without any notice or ability to for me to take action that would avoid the closure. I believe this is an example of unfair and deceptive business practices. My account was in good standing and open since 1998. Citibank claimed that the account was closed due to inactivity. There is nothing in the card member agreement that addresses this topic, nor has Citibank disclosed their policies regarding card inactivity. The card member agreement for this card can be found online at : XXXXI tried to resolve with Citibank, and they forced me to begin a brand new application process that would enter me as a brand new customer. This would void my tenure with this account/institution, and thus have an impact on the portion of my Credit Scores that is tied directly to the length of time that my credit history is intact. This action by Citibank was unnecessary, and it will have a negative impact on my credit rating. As such, my ability to obtain credit from future institutions may be damaged.
I received 2 feet of water in my home during Hurricane Harvey, our home was declared " substantially damaged '' and we have, therefore, decided to demolish our house and build a new, elevated home on our lot. 

I am attempting to use the $ XXXX in flood claim money, being held in a restricted escrow account by Freedom Mortgage, to pay off my mortgage and close on a construction loan. However, Freedom Mortgage is not providing me sufficient documentation to enable this process with my new mortgage company and title company. They will provide NO documentation that they agree to use the loan funds to payoff the mortgage, which is required by the title company. 

I have been working with them since XX/XX/XXXX without a resolution and need your assistance. 

I have kept a detailed log of all contacts with Freedom Mortgage and I have faxed a letter requesting assistance to the CEO of Freedom Mortgage. Those documents, along with my other requests to Freedom Mortgage, are attached to this complaint.
Hello, I used a Citi issued prepaid card at a Citi ATM at the Citibank located at XXXX in XXXX, IL. 

I needed {$1800.00}, however, I did not know the daily limits on my card. I requested a {$1000.00} and the transaction went through. Then I requested {$800.00}. That transaction went through as well. I received XXXX receipts for {$800.00} and {$1000.00} debits to my prepaid card balance. I started counting the money to realize that I only got {$500.00} each time. Citi shorted me {$500.00} for the first transaction and {$300.00} for the second. I took the XXXX stacks of bills and the receipts and immediately went into the branch. They refused to review my transactions, did not count the money I got, and told me to call the number on the back of the card. This is a Citi card! They did not attempt to balance the ATM either. They said the Citi card I had is not issued by the retail side of Citi, and they do not service the drive-through ATMs - which are physically under one roof with them. That is serviced by yet another 3rd party. They called the prepaid card to see if indeed they debited the {$1800.00} as was stated on the receipts and confirmed that they did! At that point I am talking to an assistant branch manager and the branch manager who clearly do not want to do anything. They did not file a report, count the cash. They did nothing. The assistant branch manager pulled out a couple of binders and tried to read some procedure, then she just closed the binder. 

The branch manager also stated that I claim ( claim!!! ) that I gotten {$500.00} each time. The transactions happened minutes before this conversation. I offered for them to search me and my car as there was no time to have hidden the money anywhere else. 

No one apologized even once! They treated me like it was my fault, especially the manager himself. No one once assured me not to worry and that they have means to reconcile these transactions. Not once! 

I called the number on the back of the card. They indicated that they will provide me with the dispute form and they expect to be able to find the money, however, the process will take 45-60 days. What if I need the funds sooner? Now? There was no  concern about any potential hardship for me. It was an unbelievable experience.
The debt collector was calling and harassing friends and family members and telling them to get a message to me. When they said that they didnt know anything about what the collector was talking about they asked if I had committed fraud on the original application. I then started getting calls about how my social security number was being deactivated because they found out that someone was using it to commit fraud.
XX/XX/XXXX, I ran into some financial difficulties and entered into a temporary payment agreement with XXXX XX/XX/XXXX to avoid punitive interest charges. During this agreement, XXXX called me and asked if I could increase my temporary payment amount and offered to reopen my account under non-punitive-interest terms if I met XXXX ( XXXX ) specific criteria. I agreed to increase my payment by {$10.00}, subsequently receiving a XXXX/XXXX/XXXX letter summarizing the call and listing the XXXX ( XXXX ) requirements under which my account would be reopened. When it came time to reopen the account, I received another letter stating that, contrary to their original offer, my account would not be reopened due a newly added XXXX " surprise '' requirement. The punitive interest would continue. I contested this with XXXX, and they held their ground on the " surprise '' disqualifying criteria. I paid XXXX under the terms they originally offered for several months, but they kept piling on late fees and a punitive interest rate. Given the opportunistic/punitive fees they continued to impose, their refusal to honor terms they offered in writing, and my continued financial duress, I determined my only recourse was to stop paying them. Naturally, they reported this to the credit reporting agencies. Since the balance contained illicit charges, it 's void in its entirety. Recent events, specifically XXXX being penalized XXXX for deceptive practices, underscore their slimy tactics. While it applied to add-on charges for many, their deceptive actions were far-reaching. in my case and alter my desired outcome. I am not seeking any financial compensation or leagl action, but rather to have their illicitly-derived adverse report stricken from my credit record. I have included several supporting documents:1. XXXX 's original XXXX/XXXX/XXXX temporary payment plan confirmation2. XXXX letter that followed their XX/XX/XXXX phone call which itemized the XXXX requirements to reopen my account upon completion of the temporary payment agreement. 
3. XXXX 's XXXX/XXXX/XXXX letter, received just prior to reopening my account as promised, including the surprise/new XXXX requirement that disqualified me. 

The core issue in this case, as with many others of this nature, is deceptive practices. In short, XXXX stated on XXXX/XXXX/XXXX that meeting XXXX criteria would make my account eligible for reopening, Then, on XXXX/XXXX/XXXX, XXXX added a new requirement that disqualified me. They knew of this requirement the entire time, but did not disclose it until AFTER I completed my temporary agreement. " Make sure we get all the $ $ $ we can before this customer defaults '' To reiterate, I am not seeking any financial reimbursement or legal action. I want XXXX 's negative report to be stricken from any and all credit reporting agencies/records. I have about a XXXX '' thick folder for this, so I can provide more documentation if necessary. 

Please feel free to contact me for further information. 

Thanks for your help. 

XXXX XXXX XXXX
first citizen bank gave me short term XXXX 7 year loans on my home for 18 years XXXX. was the end of my loan, after I made XXXX payment I went to see XXXX XXXX bk. manager he put me off saying it was too early to start proses I contacted XXXX they wrote me a loan with XXXX loan I was still working with first citizen they said I could get {$300.00}. to {$1000.00}. closeing cost. XXXX had my loan ready with a {$4200.00}. closing I stay in contact with XXXX there was always some delay I finly told XXXX to close. then first citizen charge me a {$5600.00}. late fee it change my debt to income {$29.00}. to low I had to take a XXXX loan with XXXX my credit score was XXXX first citizen cause the delay I never had a late payment for 18 years, I contacted customer service for someone else to handle my loan no change, first citizen cause all the delays and no reasen to charge me alate fee I wont my money back
XX/XX/2018 I open a check account with Citibank over the phone and was given a promotion over the phone which I still have a hand writen note make debt purchase of {$370.00} or more within 60 days and make 1 or 2 bill pay within 60 days ( no minimum amount ) wait 90 days after the 60 days period get XXXX XXXX XXXX XXXX So I opened the account and did the purchase and bill pays and during the time of promotion of 60 days I have made two phone calls to check weather I will get the miles they all said I am good I just have to wait 90 days but the miles never came so XX/XX/2018 I filed a dispute with bank confirmation # XXXX and I got a letter back from them and my promotion was denied
My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, Transunion. Experian to remove, till date nothing has been done. Transunion has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.
I disputed a collection account from XXXX XXXX XXXX on Experian, XXXX and XXXX  credit reports. So far I have heard back from Experian stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked Experian, XXXX  and XXXX to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.
Chase permantely closed my checking and savings accounts, and won't let me access my credit card accounts online. They have not provided me with a reason.
I spoke to rep by the name of " XXXX '' with the office of Consumer Affairs with Equifax on XX/XX/18 approximately XXXX. 

I attempted to dispute a collection account with him. The collection agency is XXXX XXXX XXXX. I informed him that this account is being reported in error and that my insurance company had paid the original creditor. Then he puts me on hold for 30 minutes, only to tell me that this account was previously investigated. I never received any notification that the account was previously investigated. He then tells me that he is going to call me back. I tell him it's been my experience that no one from Equifax has ever called me back. 

I also ask him why I can not use any online functions to which he says that certain people from time to time do not have access due to fraud activity. I ask him to tell me when I will be able to gain online access, to which he gives me a canned, non answer.
In XX/XX/XXXX we received a notice in the mail stating that our monthly payments would increase by {$480.00} due to a deficit in our escrow account balance. Because no increases had been made to our taxes and our loan is 3 years old, I pulled up our escrow account activity to see what was going on. 

In reviewing our escrow account activity, I identified two identical payments of {$2700.00} ( total amount {$5500.00} ) made one week apart in XX/XX/XXXX. These amounts do not coincide with any tax bills ( County, Township or School ). I called all three offices to inquire about these payments. No one has any record of receiving these payments or a refund being sent out ; nor do they match any tax bills. In fact our taxes had been paid in XX/XX/XXXX prior to these XX/XX/XXXX payments. I originally spoke with someone from Flagstar back in XX/XX/XXXX ( and even put additional funds into our escrow account in XX/XX/XXXX ) while they figured out where those payments went and returned them to our escrow account. 

I have continued to call and email since the beginning of the year and have not gotten any answers. As of today, we were told that they can not identify where these funds went. With computerization where it is today, there is no valid reason that Flagstar should not be able to track these payments and get them placed back in our account. With children in college, an additional monthly payment is a hardship for us. 

At this point our escrow account is at a deficit of {$5200.00} ( almost identical to the double payments made in XX/XX/XXXX ).
After conducting some regular business transactions ( wires, check deposits ) TCF National Bank closed my accounts and reported me to XXXX. TCF has not provided any detailed information as to why they reported me to XXXX other than I was supposedly involved in Suspected Fraud Activity. I am now unable to open checking accounts with any Bank. This issue is causing severe challenges with me being able to pay my regular bills and having a basic checking or savings account. I have not been involved in any fraud whatsoever and want my name cleared of any wrongdoing. I have disputed this information with the TCF Bank and with XXXX several times and have not been able to have my information cleared.
My student loans were deferred while in graduate school and recently became eligible for repayment. I had existing ACH auto debit instructions setup with Mohela, my loan servicer. Upon the end of deferment, only XXXX of my XXXX loans were drafted by ACH. I was misled to believe that setting ACH payments would include all loans. This misstatement resulted in my remaining loans to be late, incurring additional interest. It was only by chance that I logged onto the Mohela.com website to check my loans that I noticed I was one day late. I am signed up for paperless statements and did not receive an email, phone call, text message or other notification that my loan was delinquent. Had I not logged onto the website I would not have known I was late, would have incurred additional interest charges and possibly had a negative impact on my credit score. I confirmed that all my contact information was correct to ensure any communication from Mohela would be received without error. It is clear that Mohela is purposefully misleading students and borrowers about their ACH auto debit practice. This is a misleading, wrongful practice designed to delay payment to the loan servicer. As such, it increases the interest students pay on their loan and generates a larger profit for the loan servicer. If Mohela were honest about their ACH draft policies, they would have sent correspondence clearly stating that not all student loans are enrolled for ACH debit.
This is an addendum to compliant # XXXX. 
I have submitted the Sales Offer dated XXXX XXXX, 2016. 
Chase Bank , N.A . has failed to review my short sale request in the required number of days and has been unresponsive to my requests for a representative to contact me regarding the status of the review. I am extremely dissatisfied with the service I have had from Chase Bank. 
I have called multiple times and have had broken promises from the representatives. Nearly every time I call, there is a different person assigned to me. Nobody knows why it is taking so long. They keep saying it is in the final stages of review. They say that they have 5 days to review it and when I call on the 5th day, they say they did not have enough time to get to it. I believer that they are being negligent in having insufficient number of staff, not training staff, not sticking to their SLAs, refusing to have the staff provide me with information requested ( I requested the mailing address for their complaints department and they gave me a fax number. I requested an email, and they said they do not have email, but then they said they would email someone in another department ). They are violating the rules about resolving disputes in a timely manner, rules about prompt decisions on loss mitigation options, and just basic good banking practices. They are running up the servicing fees on my account which is unfair to me. This looks like a UDAAP infraction because I have been misled as to how much time it will take to review my short sale packet submitted in XXXX and it is causing financial damage to me. 
I have not kept up with all of the names of the people they said were assigned to me, but yesterday, I was told that their names are XXXX XXXX and XXXX XXXX.
I bank with Wells Fargo. I get the following emails every 2 weeks. I have tried in person and over the phone to solve the problem. I 'm concerned that multiple accounts were opened or that there 's a privacy problem. 
Wells Fargo suggested that I add XXXX additional emails to my personal email system to fix the problem, rather than solving the problem on their end. Although I only have one email address on file with Wells Fargo, I continue to get these emails. 


Subject : Unable to deliver email From : Online Banking XXXX/2017 XXXX Contact Us We were unable to deliver an email to you We could not deliver a message or alert to your email address. If this address is incorrect, please update your contact information. 

To receive account statements or tax documents online : You must have a valid email address in order to receive your statements or tax documents online. If we can not successfully deliver your notification that your documents are ready, we will have to send your paper notifications or documents via U.S. Mail. 
If you have questions, we are available 24 hours a day, 7 days a week at XXXX or by secure email. 
If you are a guest user, please contact the account originator to request your email be updated. 
XXXX
CItizens Bank NA was the defendant in a Class Action Lawsuit several years ago https : //www.citizensoverdraftsettlement.com/The short story on the case is : Citizens was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " XXXX Party '' collection agency ( XXXX XXXX XXXX XXXX ) who now appears on all XXXX of my credit reports.
I have disputed this item with the credit reporting agencies ( XXXX, XXXX, and Experian ). Every time I dispute the item, I receive a response that the item is valid. However, I NEVER receive any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. 

I 'm at my wits end with the massively irresponsible behavior demonstrated by the XXXX credit reporting agencies. Without proof, the credit collections company ( XXXX XXXX XXXX ) has absolutely no right to place this item on my credit report. 

Please help me resolve this issue. THIS IS NOT MY DEBT, AND I REFUSE TO PAY FOR A DEBT THAT IS NOT MINE. 

Thanks, XXXX XXXX