WillisBack/dataset-financial-user-claim huggingface dataset:
This is my third submission in regard to Capital One bank. I have asked to receive a lower APR on my credit card because it is XXXX to 21.00 %. I spoke with XXXX XXXX the second time about lowering my APR. She told me that she could not lower my APR at this time because I had a returned payment from my bank. I explained to her that my percentage of paying my credit card is 91 % and sometimes I pay XXXX a month because of how high the balance is. I explained to her that I did not apply for a capital one credit card and that it is unfair for Capital One to keep the APR from XXXX from which the account was sold. XXXX XXXX said that this does not matter. She then keeps sending me this letter my personal protection account as if they are going to pay my bill for me. I told her that I do not have a problem with the personal protection account but that is not the only element that is making the payments ridiculously high and the APR!! She continues to send the personal protection letter as if they are an option for me to help pay my bill. I am not unemployed nor do I fit the criteria to receive this benefit. I am able to work and wish that she would stop sending me this letter to try to commit fraudelent claims to Personal Account Protection!!! I can pay my bill I just would like the APR lowered to a reasonable percentage.
I have checked my credit report today and realized I have another hard inquiry. I have not applied for any line of credit at the moment as I am working on improving my credit. The dispute is from Barclays Bank Delaware, I have not left my state in 5 years and its nowhere near Delaware.
My complaint : I sent a dispute letter to Experian on XXXX, and i immediately received a suspicious letter back even though I sent proof of ID and address. 
The outcome I want? 
I want Experian to do their job, and investigate my complaint.
On or about XXXX of 2015, XXXX contacted me about certain JC PENNY credit card debt account # XXXX. I personally notified XXXX, that I dispute the validity of this debt and requested that they validate the debt under FDCA ,15 USC 1692, to which they failed to do so. 
However, in violation of the FDCA, XXXX, unlawfully continued attempt to collect on an illegal debt in clear violation of my FCRA and Privacy Rights, causing and preventing me from obtaining new credit, secure adequate housing and or a meaningful employment. 
Furthermore, I advised XXXX, that this debt was a direct result of ID THEFT and as such that I am not liable for this debt. I also requested that XXXX provide me copies of said unpaid invoices and name and address of the original creditor to which they failed to do so. 
Upon belief and Information, whereas, the debt was as a direct result of XXXX and ID THEFT, I requested that this account be permanently closed and any adverse information that resulted from this unauthorized use be deleted from my credit report. 
Nonetheless, XXXX purposefully with ulterior motive disregarded the RULE OF LAW and my request causing and depriving me access to housing ; meaningful employment and/or to obtain new credit without just cause or any legitimate reason.
PLEASE SEE ATTACHED FOR ALL DETAILS : Summary Here -- & gt ; On XXXX/XXXX/16 I received a phone call from " Capital One '' supposedly, so I told them to call me back from a number showing Capital One as Caller ID, and they actually did, because I actually have the Capital One number on my credit statement saved in my cell phone. I felt comfortable that the call was legitimate when the saved number appeared on their next phone call. The Capital One rep said they had a special offer to transfer all my credit card balances onto XXXX NEW card ( I was n't told what card it would be, and when it came in the mail it was XXXX ). He told me that the entire transferred amount would be interest-free until entirely paid off, and the payments would be {$250.00} per month. The cost for this service was supposed to be {$2500.00}, but they only charged me {$1900.00} because there was not enough available credit on my Capital One card for the entire amount ( see attached Capital One statement ). Before I accepted any terms of their offer I was transferred to " XXXX XXXX '' because the offer seemed too good to be true, but she was very convincing. She even gave me her cell number ( it was actually a XXXX number ) and told me that I needed to call her immediately when the card came in so I could confirm its receipt and be reassured of the offer they gave me. I was actually called back by XXXX a short time later who told me that they were only charging me {$1900.00} because there was not enough credit left on my Capital One card to charge the entire {$2600.00}. I was also told that once the XXXX fee was charged to Capital One, the entire balance would then be transferred to the " new credit card ''. ***SOMEWHERE IN THE ABOVE PROCESS OF BEING TRANSFERRED TO SEVERAL PEOPLE I REALLY WAS N'T SURE WHETHER I WAS SPEAKING WITH CAPITAL ONE OR XXXX, BUT I STILL HAD A COMFORT LEVEL AND PROCEEDED*** XXXX did not mention anything about a " transfer fee '' to the new card, which I saw was {$420.00} when I received the new XXXX card and first statement. I was also told by XXXX that the " new card '' would have a " low interest rate for life '', but the attached XXXX statement shows 23.24 % ( hardly a " low '' rate ). When I received the card I called XXXX to activate it, afterwhich I called XXXX to confirm the terms I was given by XXXX and that 's when I found out they lied to me. The XXXX rep told me they " never do interest-free for life '', and that it was only for one year. I actually called XXXX a few times to confirm this and got the same information. I then called XXXX XXXX at XXXX and it took me about 5 calls over several weeks to get her on the phone just before XXXX. She said the offer was indeed valid and that she would send me an email confirming that. She still has n't, and I 've called and left messages for her 5x since then, and emailed her 4x and she has not returned my calls or emails. PLEASE SEE THE ATTACHED MORE-DETAILED PAGES WITH ALL DATES, TIMES, LENGTH OF TIME SPOKEN, EMAILS AND NAMES OF THOSE CONTACTED.
On XXXX XXXX, the PNC Bank branch in XXXX, New Jersey allowed my family member to make a deposit into my checking account. This is an unwanted deposit. I do not want any type of " friendly " deposit allowed into my personal banking account. This can not be allowed. I did not want the deposit and the information should NOT have been shared. My family member now knows my banking account information and received it directly from the bank teller.
My complaint does not fit the options, so I chose the closest and will explain below. 

Last year, I had private student loans that I mistakenly thought were consolidated with my federal student loans. As a result, I was not making payments on three private student loans and they were sold to Kramer & Frank. I set up a payment agreement with them, which took automatic payments out for three months and then stopped. Since the first three payments were automatic, I did not notice that they had stopped after that. Kramer & Frank then garnished my bank account. I placed several calls to my Kramer & Frank account representative, XXXX XXXX, in XX/XX/XXXX and XX/XX/XXXX ( and left several messages ) with no response. Finally, I obtained an attorney. He was able to call XXXX and get me set up on a payment plan in a matter of days. I have been on this payment plan for all three accounts since XX/XX/XXXX. I have to make these payments in person every month, because Kramer & Frank will not allow me online access. When I try to call in and make a payment over the phone, they have my cell phone automatically flagged to go straight to XXXX XXXX 's voicemail, which he never returns. Needless to say, I have been making payments on these three individual accounts in person since last year. When I went to their office on XX/XX/XXXX, and was informed that once of the accounts had been closed on XX/XX/XXXX and recalled by the original lender, XXXX XXXX XXXX. I had not been notified previously that this was happening. They would not accept my payment. When I asked for a contact number for XXXX XXXX XXXX so that I could figure out how to make a payment, the woman at the counter gave me a phone number, and said that it might not be a good number, but to try anyway. She also said that she did not know anything whatsoever as to why my account had been closed, or what I was supposed to do about it. After leaving, I called the number that she gave me ( XXXX ). This company appears to be another collection service that sometimes represents XXXX XXXX XXXX. I gave them all of my information, and they said that all three of my private loans were still with Kramer & Frank, and they have received no communication from Kramer & Frank about getting the loans back. I asked them what I should do, and they said to call Kramer & Frank, who then told me to call the other company back. As a consumer just trying to make a payment, I am incredibly disappointed with the lack of communication that I have received from Kramer & Frank, as well as the lack of interest in helping me. I am aware that it is my responsibility to make payments, however I have not been given any reasonable way of doing so, and I am sure Kramer & Frank are reporting me as not paying.
I was emailed from Chase that " ________ sent you money, but your email address is unregistered. To get your money, please set up this email address in Chase XXXX if you have a Chase checking account or a Chase XXXX card. Otherwise, go to www.chase.com/XXXX to choose your bank. '' Upon clicking the XXXX link I was asked to select a bank that was listed or choose other. My bank was listed ( XXXX XXXX ) which I selected and it redirected me to login into my XXXX XXXX online account. Once logged I was asked to register a phone or email for transfer and pay. I choose to register the same email as where the money was sent. Once verified it was noted as registered. But nothing showed up as pending, processing or in progress on my bank account. There was n't an option to accept the transaction or even a notification that one had taken place. I was perplexed so I called chase to ask them about the issue and to see what other steps I needed to take to receive the money. They informed me that my email address was registered and that I would need speak with XXXX XXXX to see when they would post the money as pending. I then called XXXX XXXX   only for them to tell me that I needed to speak with a different division which was online banking. They transferred me but the call was disconnected. That is frustration # 1. I have n't made a move from my desk so there should be no reason the call was disconnected. I got the number to the online banking with XXXX XXXX and called them and explain for the third time the scenario and the other steps I have taken they verified the email address was registered and that I should call the original sender to make sure the transaction was complete. I did this and they confirmed the transaction had gone through on their side. So now what do I do if I ca n't see anything that is confirming or denying this information what am I left to believe? The sender decided to cancel the previous and send again saying that possibly the unregistered email has caused a hangup. Frustration # 2 a civilian that does not work for the bank is left trying to figure out why the banking service is not working as expected. She cancels and resends the money and I get an email from Chase that stated the exact same statement as above. She says to me that normally there is a link to accept the money I look through the email thoroughly and concluded that a link for acceptance is nonexistent. Now I am wondering why the partnering banks do n't have this issue worked out before releasing a service that will handle serious matters with one another. This is my complaint. A bank which is a financial institution that does transactions with customers and other banks should have clear and simple processes for its users. if the process is unclear and the hidden issues are not made obvious to the end user then it should not be allowed as a service. In this case, there should be checks and balances that the user can understand as well as confirmations that things are working or the bank needs more information, time, or response to complete the transaction.
I have sent over 3 letters to XXXX showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.
( Federal & Private Loans ) One of My main distress as a Navient loan borrower is that this entity has misled main core accountability, and as well as failed to execute its central part commitment in the servicing of student loans, breaching the Federal consumer financial laws ( Assembly Bill No. 2251 ) as well as the confidence that borrowers positioned in this entity. Most Federal and private loan student borrowers have a right under federal law to hand-craft their/our monthly student loan payment as a share of their income, an arrangement that can offer borrowers extended payment relief, and other significant benefits. Additionally, Navient escorted us as borrowers confront economic destitution that was not short-term or provisional into lavish payment liberation intended for borrowers engagement short-term financial problems, before or instead of affordable long-term repayment options that were more outrageously advantageous to them ( Navient ) to make the most revenue as a for-profit in light of their financial situation. In addition, in essence to Navients beneficial most profit situation on their behalf ; I feel that this entity has the most interest to make the most profit with student loan borrowers as oppose to helping the higher learning individual prosper. Lastly, it is so sad that this Company ( Navient ) is responsible for this action which reflects my fortune of student loan debt. I went from owing $ $ a set amount to an extreme amount of money due to these type of processes. 



XXXX XXXX XXXX.
Approximately 10 days after forms were e-mailed to me, I signed them and returned them.This was on the night of the XX/XX/2018. XXXX with ECMC called me the next day to inform me that she received my forms and that unfortunately there would be one more  form she would be sending out that day for me to sign and attempted to coerce me into signing it immediately. I have explained to this woman on more than one occasion, that I work a full time job ( and she called me at my office where I XXXX XXXX with XXXX XXXX XXXX ) and can not possibly send back anything at that moment because I was at work and she was sending it to me at my home e-mail address. I explained also that I have a lot on my plate right now, as not only do I have XXXX , but was, also, recently diagnosed with XXXX and am receiving treatments. I am also having to retire and will be living on a fixed income due to my related health issues. I am already stressed enough, with having to rent my house out until I can sell it, trying to find my dog a new home, packing nearly everything up and moving it to a storage unit and attempting to work my XXXX hours a week too. I am still grieving over the loss of my mother more recently ( in the last 7 months ) and father not even a year prior to that. My ex-spouse also left me in the midst of both of my parents ' death. I suffer from XXXX and have been on an XXXX for many years. ECMC is calling me nearly every day if not every day and sometimes more than once a day. I assured XXXX, today, with ECMC ( XXXX ) that I had already signed the initial forms that she had requested me to sign and that she had called me Friday to thank me for taking care of that and that she had just one more form to send me to sign. XXXX denied that this dialogue ever took place and that I had never returned the forms. She demanded wanted me to go to my computer immediately to send the forms that I already sent her last week. When I tried to explain that I was not at home ( I was actually at a XXXX  appt ) when she was calling me today, she told me I could " make up excuses '' or something along those lines. I am reporting her now for excessive harassment when I have told her that I have been recently diagnosed with XXXX and am dealing with a lot right now. She said that she sent me paperwork in the mail, which I did not receive. As of this moment, I do not have access to my computer as it requesting me to input a " key stroke number '' or something and will NOT let me back in to retrieve my e-mail. I am going to attempt to remedy this situation today following my other two medical appointments after work. I am in dire need of an advocate or someone to help me with this as I really don't know how much longer I can tolerate all of this harassment which is overwhelming me on top of everything else ( to include XXXX and XXXX ). 
Thank you, XXXX XXXX XXXX XXXX XXXX
I have been disputing the alleged debt with Dynamic Recovery Solutions since XX/XX/XXXX. I have asked on three separate occasions ( XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ) for them to validate the debt and they respond by sending me a bill. Not once have they provided me with validation, yet they continue to send me settlement offers and call demanding payment.
I requested my free credit report on XXXX for all three agencies. The XXXX loaded fine and I saved it. However, the Equifax report failed to load and the XXXX report did n't load properly in my browser but reloading the page requested the report again. The second time it said my request could not be honored and I had to request it by mail. I called Equifax to order the free annual report but the automated system wanted to charge me since I requested the report online, even though I never received or viewed it. The XXXX website to request a report did not work when I tried to submit documentation for a report by mail.
A debt collector, Portfolio Recovery Associates LLC ( PRA ), has been attempting to collect a debt arising from a debt I allegedly owe XXXX XXXX from about the year XX/XX/XXXX. 

Prior to XX/XX/XXXX, PRA had made numerous phone calls to my home phone. Most calls went to my voicemail ( often no message was left ). 

On XXXX, PRA called me again, this time I answered. After the caller identified himself and the alleged debt he wanted to collect, I informed him that I was NOT willing to make payment on XXXX XXXX 's behalf, and to STOP calling me about this matter. 

On XXXX XXXX, I wrote PRA a letter stating that any further collection attempts would not elicit any payment from me, and directing PRA to stop communicating with me about this matter, regardless of the form of communication. I sent the letter Certified Mail, and verified with the XXXX Postal Service that PRA received the letter on XXXX XXXX. 

On XXXX XXXX, I received via XXXX a communication dated XXXX XXXX from PRA again attempting to collect on behalf of XXXX XXXX. Please note this is AFTER PRA received my letter on XXXX XXXX.
I 'm being charge a amount of {$1900.00} for some storage fees of a vehicle that I sold in 2007. A car that has not been in my possession for over 8 years. 


They claim that I owe the debt because I was the last register owner. I asked them how can that be if I never received any license fees, registration, smog requirements or any paperwork from the DMV stating that I own the vehicle, The Debt collector then stated that I must of never finished register process of the vehicle and that 's why I am responsible. I told them that the truck was under my name and I had it for 3 years and when I sold it I turned in my release of liability paper work to the DMV. There fore I should not be responsible for this debt. 

I did not sign or agree on any agreement for the yard which should make me free of this debt.
Macy 's has repeatedly asked me to pay money to them that I do not owe them. I paid off my Macy 's credit card in full and they continue to add on fees to my {$0.00} balance. I had the account closed, and even after this, Macy 's claimed there was interest due on a residual amount. So I paid this amount. Then Macy 's continued adding fees onto a {$0.00} balance. This has continued for two years. They repeatedly call my parents to harass them over this " debt '' even though I have repeatedly informed them that I do not live with my parents. I have no account open with Macy 's, I have not bought anything with the card I previously had, and Macy 's continues to add on fees to a non-existent balance on a non-existent account. I have spoken with Macy 's numerous times and told them I want any account I have with them closed, and they told me my account was closed.
Experian is not reachable via the phone as I have been trying to reach them now for 2 months. Experian is reporting a collection on my account that has previously been deleted. This is a very old debt from   XXXX   XXXX  . When I contacted   XXXX    over 6 months ago, they advised they were no longer collecting on debt and to disregard as they will no longer be collecting on this debt. I then contacted  XXXX  several times to see where balance and numerous fees came from but each time I was told will research and call me back, but did not.   XXXX   consequently was deleted from my file and appeared again to my surprise  XXXX  on Experian.
This company continues to not verify this account is mine by showing me proof bearing my signature ..i never signed a contract of any kind with this company. Company continues to call my phone through out the day non stop at times, They also violated fair debt practices by not responding XXXX my second dispute letter with XXXX a direct violation
On XX/XX/XXXX, I transferred a balance of XXXX to my Capital One credit card by clicking the " Transfer and Save '' button in an email that was sent to me by Capital One offering 0 % APR for XXXX months. The request was approved and the confirmation read : While you carry a promotional balance, you'll see an additional payment option - the Interest Saver Payment. Pay at least this amount each month to avoid interest on new purchase without having to pay your balance in full.

The original email also contained information about avoiding interest charges : Q. Can I avoid interest on new purchases after I accept this offer?

A. Yes, you can! Pay your Interest Saver Payment ( the minimum payment plus all your non-promotional balances, including purchases, cash advances, fees and finance charges ) by the due date each month, and you wont pay interest on new purchases. You can find the Interest Saver Payment amount on your monthly statement and your online account as a payment option.

The first statement since the transfer posted, on XX/XX/XXXX, was generated on XX/XX/XXXX. This statement did not include a Interest Saver Payment on the monthly statement or online, so I called customer service. I spoke with XXXX XXXX, who worked with a female supervisor. She told me that my Interest Saver Payment would be XXXX, but that she could not produce anything in writing verifying this. For this reason, she transferred me for further assistance. I then spoke with XXXX XXXX, a General Account Supervisor, who said that the transfer did not appear to have promotional terms. He said that there was a known issue, that some customers experienced a transfer that did not have the correct terms. He advised that a case would be opened to investigate this matter and that a decision should be made in XXXX billing cycles, and a letter sent in XXXX days after that. He said that in the meantime, the balance that would begin to accrue interest but that it might be refunded to me if it were determined that I was not given the correct terms. He said that he was not able to do anything further to assist me in getting a resolution before my balance was due. He said there was not anyone at Capital One that he could escalate my issue to.