WillisBack/dataset-financial-user-claim huggingface dataset:
I have a MasterCard through Capital One that was subjected to fraudulent activity when Capital One issued a virtual " Fast Card '' to a man in XXXX, FL, on XX/XX/XXXX. I was alerted ( via my email address ) to this new account they issued, along with changes to my address, phone number & email address ( which were all done over the phone ). I immediately called Capital One 's fraud department & told them about these fraudulent activities and sent them copies of my NC state issued driver 's license & social security card. I was issued a case # XXXX. All changes to the account settings were reversed & I was told any fraudulent charges would be reversed. They also cancelled my credit card ( along with my son 's card that is attached to my account ). They told me they would send me a new card in the mail. At this time, they also issued the criminal in Florida a new card as well - I discovered this while checking in to see if my account had been straightened out. So more fraudulent activity started taking place, more promises of resolution. I withheld one of  my payments during time after hearing they allowed this criminal to open a Visa account in my name ( I was told it was immediately closed by the fraud department but I have no way of knowing because it was a new account that I have no access to, not a hacked version - I have no Visa accounts ). After the bulk of the fraudulent activities were cleared up, I resumed my payments, making a double payment to make up for the one I missed. This entire process to date started on XX/XX/XXXX &  continued through XX/XX/XXXX. I contacted Capital One this month ( XX/XX/XXXX ) twice to resolve some remaining issues, but was first told by customer service that someone from fraud would call me back & the second time was bounced back & forth from fraud to customer service for 35 minutes only to be told no one knew how to resolve any of my problems. My issues : 1. My interest charges are still divided between Purchases ( mine ) & Cash Advances ( fraud ). 2. My interest rate went from 23.99 % to 24.24 % during the time of this fraud case. 3. I was given a {$25.00} late charge during the 2nd month of the case for withholding payment until Capital One started resolving the fraud. 4. The extra {$16.00} I was charged so Capital One could issue a " Fast Card '' to the criminal was never refunded.
I was denied a checking account when I recently moved here to Texas because of incorrect information on my Chexsystems record. I was not aware of this information and it is also extremely old aside from being blatantly wrong.
I have been a customer of Citicards since XXXX and have always maintained a up to date account. On or about XXXX XXXX, XXXX their customer service department contacted me regarding a payment and told me that to avoid a late charge to submit my payment. She informed me that as long as I made a payment that I would not be charged a late fee. I then get a statement and they charge me a late fee. Why in the world would you tell me I was not going to get one if I made the payment and after I made the payment you gave me one. That is not good business. Let alone, by law there is a grace period for making payments. I will be terminating my business with them
XXXX  XXXX XXXX, XXXX put a Wage Garnishment on my account. the date was XX/XX/XXXX-18. I  contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.
my credit report has me down for a charge off and late payments to XXXX/XXXX company. it is not my account. it is not an address that i have ever lived at. i want all aspects of this matter purged from all of my credit histories and i want letters of apology that can be presented to any future creditor.
I am in receipt of a letter from XXXX XXXX related to my previous CPFB complaint. 

I am not satisfied for two reasons : 1. As of XXXX XXXX, 2017 XXXX PST, The account has not been brought to XXXX  as described in the letter sent to me on XXXX XXXX, 2017 via the CPFB. I called into and spoke to XXXX # XXXX in the Account Protection area to compel XXXX to reverse the charge. 

2. The response did not indicate how an account closed for fraud protection was allowed to incur a charge after the account was closed by the bank. The explanation that " XXXX allowed, not us '' is insufficient.
Someone hacked my account and was able to clone my debit card. My pin number was also compromised. In doing so, the hacker was able to go to an ATM and pull out {$220.00} and {$80.00} on XX/XX/XXXX & XX/XX/XXXX. They also were able to withdrawal {$320.00} & {$80.00} on XX/XX/XXXX & XX/XX/XXXX. I reported it on XXXX I believe. The bank mailed me paperwork to turn in so that I would get my money back. However the banks fraud team denied me my money. I was under the impression that the victim has zero liability if the victim reports the claims immediately. 

P.s. 
I bank with US Bank.
I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all XXXX reporting agencies that information they still are reporting XXXX accounts.
Over the years I have enjoyed doing my banking. However, over the years when I walk into a bank, I am constantly being solicted for products. It seems as though the employees are even uncomfortabel trying to push sales on customers. The retail banking environment has completely changed.
The debt collector used a third party to verify my employment. This third party had my social security number? My boss thinks I 'm trying to get a new job as she said loans & jobs are the only legal reason for job verification. Is that true? The third party said they did n't know why the company wanted to verify my employment only that they were asked for the information. Are companies allowed to share my social, address, etc with other companies? Why would n't said company just call themselves?
THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE XXXX XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 60 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$15000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
I applied for credit card thru XXXX XXXX XXXX. I never received card I went in XXXX paid {$100.00} in cash on credit card pmt. They never gave me account number. I have called multiple times and multiple numbers. Each time being told they don't know why I haven't received my card. Or statements.. I have not been able to make payments on my account due to no statements being sent to me.. Someone called from a collection agency I explained the situation and told what I was told each time. They told me I could make a payment to them on it.. I told them once I was mailed a bill with proof of information I would pay but not until. I have no idea where my money would be going or if this was even a legitimate call. Problem has still not been solved and now it's on my credit report.
Discover bank deduct {$21.00} from my bank account for the reason of mis calculation of cashback rewards previously. I don't believe that I was not eligible for the cashback at that moment. What's more it's against the law for a bank to directly take money from a customers account without notification.
Around XX/XX/2017 I had a medical debt removed from my report by XXXX XXXX that did not belong to me. The debt was in the amount of XXXX. I have a credit monitoring service and the same collection has been placed back on my report by a different company called XXXX XXXX XXXX. 

I have no idea who this company is nor have they ever contacted me before placing this bogus unverified debt on my credit report, causing damage to my score.
I sold my business in XXXX of 2013. The person who bought it from me never paid the practice and my lawyers are working on that. Ihad credit card debt with an American Express Gold card that I have hadfor XXXX years. I explained to phone counselors on several occasionsthat it will get paid, once the buyer pays me. 
A few days ago, and without any authorization from me, a women namedXXXX XXXX left a message on my husband 's office general voicemail which everyone heard saying that I had a credit card dispute whichneeded to be cleared up. 
Yesterday she CALLED MY XXXX IN XXXX XXXX TO TELL HIMTHEY WERE LOOKING FOR ME!!!! That is a complete and totalinvasion of privacy and, according to my lawyer a violation of theFederal Fair Debt Collection Practices Act. How could they contactmy husband 's son ( we just got married and I am mortified by this )? 
What 's next? Calling his ex wife?? His siblings? His parents?? 

What can be done about this violation?
I opened an account with Bank of America on XXXX 2015. On XXXX I deposited a check from my XXXX account and they had the money within any problem. On XXXX XXXX I deposit a check for XXXX from XXXX too because my employer deposits my salary direct on XXXX. Well, XXXX paid the check to Bank of America on XXXX XXXX but now Bank of America is holding my money up to XXXX. I ca n't understand why they are holding my money if the check was paid to them. That 's unfair because I had to wait XXXX days in order to get paid from my company, it 's an abuse that they make me to wait XXXX more days
XX/XX/XXXX, I had a cable account with XXXX. My brother moved in and switched everything over to his name. On XX/XX/XXXX, I paid the outstanding balance left in my name. I remember this clearly because the cable man had to come out to fix a problem and my mother was leaving for Hawaii the next day. At any rate, There was an altercation on XX/XX/XXXX and I was forced to move out quickly. XXXX did put a collection account on my credit but solely for the equipment. I called them and explained the equipment stayed in the home when I left. They made note of this and deleted this item from my credit. As I have experience identity theft and major fraud between XX/XX/XXXX-XX/XX/XXXX, I did not utilize credit at all. I checked my credit on XX/XX/XXXX only to find that a debt collector had attached a XXXX debt to my credit report. I called them and spoke to a representative that I could barely understand but he was so rude I was beside myself. I attempted to explain to him the situation and that XXXX had removed this item from my report. At first, naturally going through the identity theft and the account stating it was opened XX/XX/XXXX, I was under the impression it was another fraudulent account. As the representative explained to me what it was I immediately told him oh yes it is in deed me. However, that was removed years ago. He argued with me telling me I owe some outrageous amount and it simply is not true. I believe this is an intentional act just as a means to keep my credit from improving and me regaining a life. I do not owe this debt. It is just a debt collector trying to get money out of innocent people. They lie and make up stories claiming you owe. This debt was already removed, how could it be back on my credit report 6 years after the fact? Debt collectors should be against the law as they lie and cheat people of their money. If you want to improve your credit they simply assume you will pay it even though they are lying.
Dear  Consumer Finance Protection Bureau, I have been having a problem with the Ditech LLC,   loan servicer for my mortgage.  <P/> After months of working to negotiate a loan modification I have been denied. The loan modification process was fraught with constant frustration in dealing with Ditech which has insisted repeatedly on applying grossly inaccurate and incorrect information to my application.  <P/> At this point I have no idea whether I would qualify for a loan modification or not, but I have concluded th at Ditech was never working in good faith to determine if I could qualify for one, tho ugh their attorney told me in foreclosure mediation that I would definitely receive a modification and be able to keep my home. It seems in hindsite that their strategy was simply to burn up time and let my monthly arrearages accumulate until they go to a point where the amounts were too great to qualify for any forbearance in a loan modification guideline.  <P/> While I have not given up on the possibility of pursuing a modification to make my payment more affordable, I am now forced to switch approaches to the immediate problem, because the foreclosure process has moved forward and has gotten to the point where there is a Foreclosure sale scheduled for Monday,  XXXX   XXXX ,  2017, at   XXXX . This is only 5 days away.  <P/> As an alternative to this foreclosure I have been attempting to pursue making full payment of the past due amount to reinstate my loan. However, again I am experiencing that Ditech is not working in good faith to accomplish this.  <P/> On  XXXX   XXXX ,    2017 I made  a formal request by phone to Ditech for the full amount of funds required for reinstatement. Ditech told me this number would tak e 3-5 b usiness days to prepare. Today  XX/XX/XXXX , is the 6th business day. I have not received the reinstatement amount.  <P/> Ditech is not answering my phone calls ; they are being filtered directly to voicemail ; and Ditech is not returning my repeated voice mail messages.  <P/> I do not intend to allow the foreclosure process to proceed and will seek the alternative of a bankruptcy filing to prevent it however, this is not only asinine, but very harmful to my attempts to rebuild my life and prevent additional damage to my credit history.  <P/> I have secured through savings enough money to presumably pay the reinstatement amount tomorrow. But because Ditech is ignoring my phone calls, and my request for a reinstatement amount, I can not make the reinstatement payment.  <P/> This forces me to spend another {$3000.00} dollars in legal fees to stop the sale with an unnecessary bankruptcy filing.  <P/> This just seems wrong. Are there any laws being broken with Ditechs obfuscation, stalling, and delaying tactics?  <P/> Is there anything you can do to help me with this? Anything at all would be greatly appreciated.  <P/> Thank-You
Navient keeps touching my credit about every 2 weeks and causing my score to continuously drop. Drop allot. They are adding remarks, then removing them. I call and they have no knowledge of this or do not know how to handle it. Or they don't see a record of my calls etc. They are ruining things for me and should not be adding remarks every 2 weeks. Also stating I am in a natural disaster and then calling me, emailing me for payment and have no record of this natural disaster, was never asked about it or to enroll in it. They do as they please with my loans and credit score. I get nowhere calling. They keep losing record of calls and info.
I paid off a car loan in full to Hyundai Motor Finance on XXXX XXXX 2015 & received a letter stating I had paid in full. In late XXXX 2015 when applying for a home loan, I learned from the lender that the debt was NEVER reported to fico as paid.
I really hope this is n't a waste of your time. 

I am a service member with a credit card with Chase. I have other credit cards whose interest drops to 6 % because of the Servicemember 's Civil Relief Act ( SCRA ). Unfortunately, Chase says that I am not eligible because I got the credit card after I entered XXXX XXXX. XXXX and XXXX are XXXX companies that do n't have such a restriction.
See attached letter for more details. They have called and still call my cell and my mothers landline. I do not owe a dime. XXXX XXXX XXXX does and I am in no relation to her whatsoever. I havent spoken to her in years! There is also another company besides this one that is also calling me. Thats why I have two reports. Please note the two different companies however both are for XXXX XXXX.
Bought a shirt at XXXX, XX/XX/2016 at a local shopping store for a business meeting. Lady at checkout asked if I would like a discount and would just need a few pieces of info, 10 minutes later she is still filling out the form and asked why she needed my Social Security Number and proceeded to tell me that its standard to create an account and never once told me she was signing up for a store credit card and pulling my credit. 

Have called XXXX XXXX and closed the account. 

Looking over my report this account still shows up, and should of never been there in the first place.
XXXX XXXX, XXXX needs to be removed from my report. My insurance provider has already paid in full all debts owed. I intend to sue if this is not removed within 30 days.
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX  , and XXXX XXXX XXXX
I received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another attorney XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. 

The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. 

XXXX XXXX XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached XXXX screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the XXXX  as scheduled. Also attached is a payment ledger from XXXX.
Wells Fargo, our mortgage lender, failed to file with XXXX County that we had refinanced a $ XXXX mortgage several years ago, which nearly led to a delay in the closing on the sale of the house ( XXXX XXXX XXXX XXXX, NY XXXX ) on XX/XX/2018.Our mortgage account no. is XXXX. We dealt with XXXX XXXX at XXXX. 

Under NYS real estate law, lenders are supposed to file a Satisfaction of Mortgage form in a timely fashion when a borrower refinances. If that doesn't happen, the lender is liable for damages to the borrower. Under the law, after 90 days, the lender owes the borrower {$1500.00}. 

In a letter to our lawyer, XXXX XXXX in XXXX XXXX, dated XX/XX/2018, Wells Fargo promised to resolve the issue by XX/XX/XXXX. This did not happen. Our lawyer had to create a special document asking our title company to indemnify us in order for the sale to close as scheduled.The lawyer charged us an additional fee of {$150.00} for the time involved in drawing up the document.
Since filing my first complaint # XXXX, Wells Fargo has started foreclosure on my house, yet they are the ones that could n't modification paperwork correct. After 31 months they can not get the description right. In the meantime my credit is destroyed from their reporting I 'm not making payments. They are trying to sell the property based on the description that is wrong and will be giving a mortgage based on an incorrect property description.
From XXXX through XXXX of XXXX, an Equifax Inc. website vulnerability allowed criminals to gain access to my name, social security number, birth date, addresses, drivers license, and credit card numbers. My information has been compromised through ineffectual and irresponsible handling of critical data.
I followed the proper procedure and returned the automobile over to the car dealership. The amount claimed on the collection is the offset resulting from the return of the vehicle ; therefor, I do not owe anything. I also sent a letter asking to verify the debt and I have not received a corresponding letter back, but instead when I called, I was told that the allegded debt was sold in XXXX to XXXX XXXX XXXX ; of which, I have not received any documentation from.
XXXX XXXX, acct. no.XXXX  is wrongfully appearing on my EXPERIAN XXXX  AND XXXX credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX  has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX., acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.