WillisBack/dataset-financial-user-claim huggingface dataset:
It appears there is some miscommunication between Capital One and myself. Without doing all the details last year, I had to install an automatic call recorder on my cell phone number XXXX. 

I received a notification of a 30 day late pay from equifax. This appears to have occurred according to the credit reports ( all of them ) sometime in XXXX of 2015. I called in not aware that my cell was recording the call ( had forgotten ) Although I made a payment timely, it was not credited for whatever reason. The service rep who is employed by Capital One and identified himself as a Capital One Employee states on the recording that there was a system error when I made the payment thus not crediting it to my account nor removing it from my bank account. It is and has been Capital One 's position that there contract with the Credit bureaus does n't allow them to change this supposed late pay that was made timely and was not credited nor deducted according to their own employee as a result of a SYSTEM ERROR ON CAPITAL ONE 'S END. I do n't want to retain a lawyer but will and I am sure after they hear the recording which I have offered to let any capital one employee hear and they have refused. Capital One 's position is that we ca n't record calls. Fortunately, I live in XXXX and while substantive law may be in XXXX, the fact is that the recording was by mistake and was done in XXXX and is fully admissible in any court. The number is Capital One 's and the employee is clearly a Capital One employee. All I get is we are not going to change this. I have tried through Social Media and while a woman was very helpful she said she ca n't change it but offered no explanation other than it was late. I have sent numerous letters to XXXX and various addresses and still have gotten no response even though these were disputes by me according to the FCRA and FDCPA. All I want are the reports updated to show never late and remove the XXXX ding on this account for what the 2 or 3 years I have had it. Even if I was late which I deny, I do n't understand why as a gesture of good will, Capital One would n't remove it for a person who had just supported XXXX people after his wife was injured by a maniac surgeon ( XXXX XXXX XXXX XXXX my now ex-wife is XXXX XXXX. ) I paid over XXXX XXXX in medical bills supported a family working XXXX hours per week and dont ' understand the lack of good will nor accountability here. I have been told the contract with the CRA 's requires this. The contract first of all has about XXXX exceptions and allows for updates for a bank or credit card company one time for good will and allows re-do 's when the bank has made an error. I do n't like filing this complaint. I would prefer not to eventually hire a lawyer and file complaints with multiple federal and state agencies. I just want my credit updated in accordance with my recorded conversation with the Capital One employee. Thank You
I was called by a company called prosper loan by  XXXX   XXXX  and accountant  XXXX    XXXX   phone #  XXXX  or  XXXX  from email  XXXX  XXXX  XXXX . Due to my ignorance of the scam about to happen. I was told I was approved for a loan. During this time I was homless with and infant and father had just passed in desperation for help I called them and was asked to purchase I tunes cards or  XXXX  gift cards. As it fallows I did they sent me what I thought were legal document. Then they told me to call and see i had funds i did. Then they told me that if I didnt return there funds i would get reported to the FTC. That made me nervous. Did not really think anything of it until I called the real company and asked for a update on my loan 3 days later after I tired to pay for a safe place to stay. my card was declined and account frozen due to unusual activity.? I was notified that they did not approve a loan that I had not even applied. Now I am in a bind do n't know what to do do n't have any money to get help. And far worse then when I was.
I went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past two years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from revenue collect on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw XXXX XXXX XXXX as a negative account on my credit report. I called XXXX collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is revenue collect. They told me that I should call XXXX to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from XXXX XXXX. After they get the prove, they will mark it as paid, so experian agency suggested me to call XXXX to ask them to send a prove to them to prove that I paid. Then, I called XXXX collect again, they told me since they no longer have this payment, and I paid to Revenue Collect, so they can not do anything about this. ThenI called XXXX again to ask them if I can call Revenue Collect, they said it 's not working because the negative account on my report is XXXX collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. XXXX said they could n't help me, but the negative account on my credit report is still XXXX collect. I do n't know what should I do now.
I attempted to open an online CD account XXXX ... I had trouble w/their web site, called them ( XXXX XXXX ) got hung up on & locked out of my account before it was established. I was abused w/ " security questions '' then more by EXPERION ( XXXX XXXX ) these were questions from over 20 years ago ( where did I live 20 years ago ... .street address ) I am XXXX do n't remember the number, who would? my XXXX XXXX sored, I got XXXX from disbelief on how I was being treated, no other bank/financial ever put me through this ... .and they ask for is your social security # too much!, I had identity theft because of a bank, this is security abuse and out of controll. Experion has WRONG info, OLD, outdated info & are unresponsive, profiteering & should be put out of business, they also make me carry my X-husbands credit info on my report from 20+ years ago! disriminatory/unfair! XXXX is over kill/abusive in security .... banking/financials/credit reporting/security is OUT of CONTROLL & WRONG! ... XXXX
Wells Fargo sent me an email back on XX/XX/XXXX stating that I had a bonus offer of {$150.00}. I called the XXXX number as to how to redeem this {$150.00} Bonus Offer and was advised that it could be redeemed on XX/XX/XXXX by going into the branch. 

However, I just called today, XX/XX/XXXX, and was advised that I did not make the guideline because I only spent {$470.00} in the first three months. I spoke with a manager also today. I told him to pull the tapes of the phone conversations as to the Wells Fargo employees verifying that I was entitled to {$150.00} bonus on XX/XX/XXXX. I actually spent {$1500.00} in the first three months of receiving the credit card. What a rip off. If I was not entitled back in XX/XX/XXXX, why not state it at that time? Today, XX/XX/XXXX, also,  one phone rep stated that the bonus will go directly into my account within 7 days. That is when I requested to speak to a manager.
After several low quotes for car financing, I decided to research my credit ( XXXX or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( XXXX and Equifax ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with XXXX & Equifax. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You.
I was called by a representative of JH Port Debt ( XXXX ) XXXX, who refused to give his name. He threatened to bring a law suit against me for a long past debt from XXXX, that is almost 7 years old. The debt is from Maryland which has a 3 year statute of limitations. When I informed him of this, he said first that Maryland has a 5 yr statute ( which was a lie ) and claimed that my debt was only XXXX years old. He then claimed that Maryland has a 7 year statute ( which is also a lie ). 

He claimed that no matter what, they would be filing a lawsuit in Maryland for debt collection. This has not yet happened. 

When I pointed out the law to him, and also pointed out that the debt had been settled in my opinion from a past agreement with XXXX, he threatened to call my current employer and inform them that I owe a debt. 

In retaliation they added a debt collection notice on my credit report on XX/XX/2017. They listed debt as 2 years, 4 months old ( a lie ) when it is actually almost 7 years old.
Credit reporting agency is reporting collection accounts that do not belong to me. They refuse to send me what they are using to validate this account. These collections are from supposed chargeoffs. However, there are no chargeoffs from the so called origional creditor on any credit report. How are they validating this???
On XX/XX/XXXX I received a voice mail from XXXX XXXX ( phone number " unknown '' ) who indicated she was contacting me in reference to a complaint that was forward to her office ( no name of the company ) under file # XXXX to discuss a pending action being filed against me and if I didn't call XXXX proceedings will begin without my consent. I called the number an requested the name of the company but was told by the person on the line that she answers for several companies and to provide the number and she would let me know. I gave her the number and then there was silence and XXXX came on the phone and said she was from XXXX or Cohen & Associates. I asked why did they call me and she stated they didn't call me that I called them - I said yes, because I was left a message to call and she played word games by saying I called as she originally stated. I said this is a scam and I'm going to report her to the FTC and she said " we will see you in court '' and hung up. 

Prior to this call, I received a call on XX/XX/XXXX several times from XXXX and a voicemail was left indicating that I have not responded to issues in the previous six months and it is considered as an intentional fraud and a lawsuit is being filed under my name by the United States Government. 

I'm not familiar with any issues and have not received any letters in the mail. I don't know if the two are related but its odd that out of the blue I've received these calls. I know my personal information was part of two separate breaches that were with big companies and in the news.
I have been having an ongoing problem with Equifax over trying to put a permanent lock on my credit report. First, I was unable to login to my account. Then I was told that they would send me a verification code to access my account. Next the verification code did not work. Lastly, I called their toll free " Customer Care Team '', who wanted me to start the whole process over again online. At that point I repeatedly asked to speak to a Supervisor to no avail. Finally I told them to permanently lock my credit report. 

I don't ever want to deal with company again, however I still need to know that my Credit information is locked.
I do not owe such a debt this is a mistake my insurance paid this, remove this account listed XXXX FOR XXXX INACCURATE DATA
Commonwealth Financial Systems, a third party alleged debt collector failed to send my " Mini-Mirandi '' rights before placing this alleged debt on my credit report, in which I asked for validation and informing them about the " Mini-Mirandi '' rights. They did n't respond, so I contacted the XXXX and Commonwealth Financial Systems stated to the XXXX they would immediately remove it by notifying the XXXX credit bureaus ( XXXX, XXXX, & XXXX ), in which they made this statement to the XXXX on XXXX ocassions ( XX/XX/2015 & XX/XX/2015 ) to no avail. 

Then on all XXXX credit bureaus this item is still on there to this day XXXX XXXX, 2015 with a little trickery on blocking out certain numbers, but get this, it 's the same account and even shows it 's pass the 7 year " Statue of Limitations '' for removal from all XXXX bureaus. They are arrogantly breaking the in regards to FDCPA, FCRA, and defamation of character. 

Please advise
I was notified that this debt existed with Convergent through me accessing my credit file to discover there was a collection item in the amount of {$340.00}. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and Convergent both assured me that if I paid the debt it would be removed from my credit file. I immediately paid the debt in full only to have the debt not removed but updated on my file to a new date which actually hurt my credit score even more. I have called Convergent several times to no avail as well as XXXX who only refers me back to Convergent as they are the ones that reported the negative item on my credit report.
I keep receiving calls from NCS Collections for an alleged payday loan that I do not owe. When I asked for the original creditor and documentation the caller refused to provide me with the request. I was then threatened with arrest and was told that I would be receiving a summons to appear in court. After conducting my own research it appears that this company has threatened consumers all across the country with these fraudulent payday loans and have violated the Fair Debit Collection Act on a daily basis.
I purchased a flood insurance, not required by my mortgage company. I had a flood and got a check for {$32.00} in XXXX. I have been stonewalled by my mortgage company ever since and have not been able to cash the check. I rebuild my house as a owner/constructor and should be able to fix the damage myself. I have all documents to prove that I was my own construction company. The mortgage company will not respond to any of my correspondence XXXX XXXX, XXXX XXXX XXXX, a XXXX XXXX supported lawyer company. 
I was in foreclosure, through XXXX I am no longer in foreclosure and has not been for a year. 
My foreclosure lawyer also tried to help me in this matter and he got stonewalled as well. 
I do not know how to or where to go for this matter to be dealt with and hope you can help me so this matter will be resolved.
Every year since I got my home my escrow has been screwed up one way or another by Chase bank. Every year my mortgage goes up and down but this year now they are telling me I am over {$1600.00} short and to keep my payments they way they are I need to come up with over {$1600.00}. Per them it is for taxes ( not due until XXXX of 2016 ). How am I short for taxes not due for over a year? Do n't my payments build up my escrow so that there is money in there come XXXX? This happens every year. I said that does not add up and they tell me I am wrong and will not clearly prove to me where they are right and where I am wrong. I called a lawyer and per him I am just screwed as there is nothing in the law that protects me. I also tried several times over the last several years to refinance my home because the rate is 6 % and it is killing me. So far Chase tells me they can help me and that someone will call me but I have never been called back and the XXXX time I did talk to someone they told me it would cost {$1800.00} to refinance. The part the confuses me about that is my neighbor refinanced his home and it only cost him {$400.00}. He too is with Chase and he owes more on his home. I have no idea what to do or where to go and if this does not get addressed I will lose the house as I can not afford the new payments while my wife is out of work dealing with medical problems.
XXXX of 2015 Quicken Loans agreed to a short sale of my home located at XXXX XXXX XXXX, XXXX Mi. XXXX. As part of this agreement, Quicken Loans included in the contract that I would receive {$1000.00} if my home were to sell by XXXX XXXX, 2015. The sell of the home took place on XXXX XXXX, 2015. As of today I have not received one penny of the {$1000.00}, which is 5 months after the sell of the home. I spoke to XXXX XXXX at XXXX XXXX weeks ago and receive no resolution. 
Dealing with Quicken Loans has been one of the most frustrating and stressful experiences I 've ever had with a company. They talk about service and doing everything they can for their customers, but in the end they care nothing about customer service. If a company signs a contract, they should honor it.
I have been disputing my credit report with Equifax for several years to no avail. I filed a complaint with the XXXX of XXXX ( complaint # XXXX ). Concerning my XXXX complaint, Equifax 's never answered my complaint as to why their company failed to investigate my dispute within the FCRA set 30 day time period. 

XX/XX/XXXX, I sent A Demand for Arbitration letter to Equifax Legal. I frustrated and upset that I was given a reply by Equifax that my identification information did not match their records. Although I have identifying information on file with Equifax, there was no requirement ( legal or otherwise ) to send identification information with the Demand letter. This request for identification letter by Equifax represent a illegal delay tactic by their company in order for them to not follow the law as prescribed by Texas and Federal law. 

Equifax has a history of illegally keeping false and derogatory information on my credit report in violation of the FCRA and Texas Business and Commerce Code, Title 2, Chapter 20. I had disputed in detail false and derogatory information on my credit report. Each time, Equifax very quickly sent the investigation results back to me. I requested a through, complete investigation via letter in accordance with the FCRA.On XX/XX/XXXX, I sent out a reinvestigation dispute for the removal of this to Equifax via certified certificate of mailing, next day, with order tracking. Equifax received my dispute, which is confirmed on XX/XX/XXXX 

On XXXX I received via email that my dispute was received and assigned confirmation number XXXX. I had received " still processing dispute '' notifications concerning confirmation number XXXX from Equifax XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.On XX/XX/XXXX I received an email from Equifax stating they had completed the credit investigation. Violating the 30 day investigation requirement of the FCRA.I went to Equifax online dispute system to see that the same false and derogatory information still on my Equifax credit report. 

To summarize my complaint : Equifax did not conduct a thorough investigation of my disputes and of FCRA 623 ( a ) ( 8 ) ( D ) letter claims which indicates that once I send a letter to the original creditor concerning a credit file incorrectly placed on my credit report, and do not receive a response, I can go back to the credit reporting agency in order to demand removal on said file in it 's entirely from my credit report. 

Equifax failed to comply with the investigation and reinvestigation requirements in 15 U.S. Code 1681i. Equifax willfully failed to comply with the requirements imposed under the FCRA, 15 USC 1681g. 

Equifax provided my credit file to companies without determining that these companies had a permissible purpose to obtain my credit file pursuant to 15 USC 1681b. Due to Equifax false and derogatory information on my credit report, as well as incomplete investigation of my dispute claims, I have been denied credit, opportunity to receive credit, and damage to my reputation.
In XX/XX/XXXX I asked for my credit report and they keep changing the dates on XXXX XXXX  has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. Experian has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.
I bought tickets to a show for XXXX from the merchant XXXX XXXX. My card was charged for XXXX - the merchant had added over XXXX in service fees to the purchase after checkout. This higher amount showed up on my credit card as a charge and in a receipt the merchant mailed me. 

I immediately notified the merchant that I only agreed to the initial price and that the service fees were never presented to me until after the fact in the receipt I was emailed. I told them that I did not agree to the amount I was charged but they refused to reverse the charge or stop the " order. '' I had not received any merchandise or services at this point. 

Since the merchant refused to remedy the situation I contacted my credit card company, Citi, and started the process to execute a chargeback. After taking some information such as the name of the merchant, the nature of the dispute, and my account information, Citi issued me a conditional credit for the chargeback. 

XXXX months later Citi sent me an email saying that they reversed my chargeback and included documentation from the merchant regarding the purchase such as email correspondence between myself and the merchant regarding the attempt to remedy the situation as well as the merchants policies. 

I was never given a chance to present any evidence regarding the fraudulent charge on my card. This evidence would have included the fact that I immediately contacted the merchant to resolve the issue, the fact that I never accepted delivery of tickets to the show, and a long history of predatory overcharges to other customer 's credit cards from this same merchant. 

The merchant was given ample opportunity to make their case to Citi and I was n't given any. This seems like textbook credit card fraud to me which Citi was totally complicit in.
I called today, XXXX XXXX to pay my mortgage to Ocwen Financial Corp. Because it is not past 30 days it would have been on time. I was informed by Ocwen that they could not accept my payment by phone, nor online and that I have to mail by certified check or money order for the next 6 months. They said because XXXX of my checks were returned to my bank ( but were paid ) that they had the right without notification and informing me ahead of time - to tell me, I have to send my payments for the next 6 months by certified check or money order. Because tomorrow is XXXX XXXX - Ocwen is going to mark me past 30 days for being late and send notice to the credit bureaus. If they accepted my payment today - I would not be late. I am very upset because I was not notified of " their/this policy ''. It is not fair and adds more hardship for the consumer. Ocwen is implementing an unfair consumer policy without notifying the consumer - and in this case, purposely tarnishing my credit score because they will not accept a payment from me today. This is inappropriate customer service and an unfair policy. I wonder if it is legal. I will seek a new mortgage company as soon as I can.