WillisBack/dataset-financial-user-claim huggingface dataset:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Capital One Bank account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
I have been trying to get XXXX XXXX XXXX and Experian to list my mortgage payment/history but neither will get it done. I have sent letters to both and and have talked to my bank rep. Because the information is not making on to the report my score is much lower than the scores of the other XXXX agencies that do report it.
I applied for US Bank XXXX XXXX Credit Card in this XXXX and paid my XXXX annual fee in XXXX. The main reason for me to get this credit card is because the reward program advertised by US Bank and XXXX XXXX. At that time, the reward program says " Redeem Gold Points for XXXX or more consecutive Award Nights and the last night is free ''. However, I just received my XXXX statement in which it says this program is going to be changed in XXXX XXXX. The benefit mentioned above was removed. In my opinion, this is a bait-and-switch, the new program is not attractive at all. I feel extremely unhappy because US Bank and XXXX XXXX change the program suddenly within XXXX months after I got this card, and just give me one month to book my reward stay in order to use the benefit before it is gone.
Capital One XXXX XXXX card is charging me 30.65 APR.

The posted APR on the Capital One website is 24.99.

I'm also being charged a {$59.00} interest rate which is incorrect. The posted rate on the Capital One site shows {$39.00}. 
Thirdly, my rate should be capped at 6 % due to XXXX XXXX service. I have tried for over a year to correct this issue with Capital One with no success. 
The problem started when Capital One purchased XXXX. My original card was with XXXX, which I had no issues. When Capital One purchased it, everything changed for the worse. 
I have other Capital One accounts which are correct, but Capital One refuses to correct this account because they are taking a large amount of money from me each month. I've tried so many times to resolve this issue with Capital One, but it's hard to solve it when everytime I call, I'm speaking to someone in another country that can't speak basic English. This is so frustrating.
First National Collection Bureau sent me numerous letters on behalf of the original debtor and a settlement offer which I accepted and PAID IN FULL XXXX weeks ago. I requested a letter of clearance be sent me and I was assured it would be sent in the postal service. I never received the letter. 
XXXX weeks later, I requested the letter of clearance be sent via email and was assured it would be within XXXX hours. It was NOT. 
I called XXXX today, XXXX/XXXX/2015 requesting it and was told it would be later today. It was end of business today when I called. 
NO SUCH EMAIL CAME! 
I am doubting whether the company even applied the payment to clear my debt or whether they are even legitimate. 
I WANT THIS LETTER because it is listed on my credit report and I requested that XXXX XXXX and XXXX remove it after it was paid. It is still in my credit reports. 
I do NOT have the letter of clearance to provide the credit bureaus and it is affecting my credit score negatively.
{$5900.00} owed for fee/other has showed up again on Ocwen Loan Servicing 's web-site. This is the third time in the last year. They have removed this XXXX other times. I am in the process of refinancing my mortgage and I believe that they are going to try to collect this amount in the pay-off. This amount is not in their pay-off quote and has never appeared in any statement. This is my XXXX complaint. Do I have to go to the AZ Attorney General?
" " '' I have disputed this Charge off on this XXXX XXXX XXXX  for months.XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Hi there is XXXX accounts In collections Again on my Credit report Equifax only, These Identity and Financial Fraud happen sometime ago and was removed from my credit report. You guys also help with that issue a fee years ago. XXXX Equifax put it back on? Knowing its fraud. I have also submitted all info and I was living out of the country at the time of fraud I just returned late XX/XX/2015 and now just say this back on my Credit file. Please remove XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$1000.00}
Calvary Portfolio Services purchased a debt that was already in constant dispute from XXXX XXXX due to the owner on the account using my info as cosigner. The balance reported from XXXX XXXX was over 12,000 dollars. I knew I never owed this balance, I have asked XXXX XXXX for verification of this debt multiple times. I have never recieved verification it was then sold to Calvary Portofolio who then placed the balance as XXXX. I disputed online and asked multiple times in XXXX XXXX, XXXX XXXX ( BOTH online and letter ) Mid XXXX, I recieved a letter telling me they could not verify what I was asking for and they need more details so I sent another letter requesting debt validation. In my letter ( s ) and disputes I asked for supporting documentation that verifies this debt including the signed contract that includes my name and info. However, it is XXXX I have still not recieved and validation although they have reported validated to the credit bureaus but it because the remarks that were on the account and the ACTUAL validation has yet to occur from any party. I HAVE BEEN DEALING WITH THIS SINCE XXXX XXXX altogether.
Back in  XXXX  Of   XXXX   I missed the first mortgage payment in about 2 years due to a financial hardship. I missed  XXXX ,  XXXX   XXXX    XXXX   making a payment in  XXXX    XXXX  .     I applied for a Modification and tried to work with them ( Nationstar Mortgage ) receiving no answer back until about  XXXX    XXXX   when I was served with a foreclosure order ( I was never actually served Live ). I hired an attorney (  XXXX   XXXX   ),  who has tried to get me  XXXX  modification and other plans ( though he dropped the ball on certain matters  ).      Basically they said, incorrectly that my loan could not modify because they ca n't lower my payment. I have the ability to continue payments, however I am being constantly denied based on an alleged   XXXX   XXXX   requirement that they must lower my payment Because I am actually making quite a bit more in my new job ( which they are aware of ) I am able to pay even more if necessary, and Nationstar ( at this point ) will not even request a waiver of any such " requirement/guideline ''.     If you can Help me, let me know.  XXXX   XXXX
Disputed the XXXX bankruptcies showing on my report. Equifax deleted the XXXX bankruptcies and later the same day placed them back onto my report. No five day notice received informing me of the lines being added back to my credit report.
I applied for assistance with SLS to save my home from foreclosure. I hired an attorney to help me with the process. I also applied for assistance with Keep your home California. I was approved with Keep your home California. My attorney submitted a loan modification application with my servicer SPS on XXXX/XXXX/2016. They have confirmed my application was received and complete and they are now stalling ( evading ) making a decision. The reason I am filing this complaint is because today my attorney says that SPS today said they did not have a complete file until XXXX/XXXX/2016. This is absolutely not true and a lie simply for them to stall. If you look at the attached Law Office Internal notes, you will see my attorney confirmed with them several times prior to XXXX/XXXX/2016 that the file was complete. Regardless, according to RESPA Reg X, the servicer does not have to have a perfect, complete file. They merely have to have a semi complete file with enough info to make a decision. They have had this since XXXX/XXXX/16. However, I am told by my attorney that SPS does not follow the RESPA Reg X guidelines/rules. They go by their own rules and have no lied about not having a complete file until XXXX/XXXX/2016. My approval from keep your home california is about to expire while my servicer, stalls and evades making a decision on my loan for a loan modification even though they have now had my complete file ( Prepared by my attorney and their underwriter ) now since XXXX/XXXX/16.
I received a letter from ERS attempting to collect a debt. I replied with a letter on XX/XX/2016 with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the XXXX regarding this matter. I also stated in that complaint that I wanted ERS to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that ERS did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, XXXX XXXX XXXX XXXX, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX XXXX just because he says so.
I am the sister-in-law of an individual. I am completely unaware of his finances and do not speak to him regarding financial matters. 
I have been called twice by an organization named Worldwide Asset Services using the name XXXX XXXX on XXXX XXXX, 2016 and providing no name at all on XX/XX/2016. The individual indicated that a individual with my brother in law 's name was a defendant in a potential civil suit and requested his contact information. I am unwilling to provide contact information for my brother-in-law and when I so stated, the individual on the phone accused me of being, " uncooperative. '' When I objected to his aggressive tone he stated " I am absolutely being aggressive. '' I have no way of knowing if the individual I am related to by marriage is the individual they are seeking or even if they are a real company. I do know that I am not a party to any business relationship with this company. I do not want to receive any more communication from this company. 
The XXXX phone numbers the calls sourced from are XXXX and XXXX. 
On both occaisions I have insisted that they not call me again.
The balance of the credit card was paid off by the wire transfer deposit but the credit company did n't honor the deposit and continued harassing, charging and reporting to the credit bureau as delinquent.
I have spoken with Barclay bank numerous times since they will not lower my interest rate at almost 26 % and have spoken to their credit counselors, and they are not able to help us and the payments would basically remain the same. I asked if we could work out much lower interest rate or pay off settlement since we are not using the credit card, and paying monthly payment of {$80.00} with only {$20.00} going towards principal. This card would take 20 years to get paid off. they said they can not do anything for me so i told them i would reach out to the government agencies.
On XXXX/XXXX/XXXX, I requested for a car loan for {$4000.00}. The lender issued me a Personal loan with 26.51 % interest ; but the contract document says it is a Secure loan with the car as collateral. The contract does not say Personal loan anywhere ; but the loan-writer verbally classified it as Personal loan to rationalize the high rate. In practice, I was given a Car loan with Personal loan rate. I requested the lender to modify my interest rate from 26.51 % to 16 % in XXXX XXXX. The lender refused. The lender added additional items ( disability insurance, life insurance, fees, and cash-back ) without clear explanations and wrote a loan of {$4800.00}.
XXXX XXXX has stopped reporting only to start a new report. While the age remains the same it still damaged my score 5 points and hasn't recovered. This is one of many harassment tactics that they have used which the FDCPA protects me from over the phone they have also claimed to be XXXX  themselves and refuse to be anything less than difficult and annoying. The harassment has occurred on every instance that I've called and includeds half hour hold times, repeatedly being put on hold, as well as unauthorized personnel asking me for vital information, repeating the same questions over and over again and just goes on.
In XXXX, 2016 I prepaid to XXXX for 1 year personal training using my XXXX credit card which was issued by XXXX. Later that month, Barclay took over the XXXX card and the total ( XXXX ) was paid to Barclay. In XX/XX/XXXX, the personal training company ceased operation - they disappeared from my location, but are still in business elsewhere. I initiated a dispute for the approximate remaining {$1300.00} with Barclay and received a form letter dated XXXX, 2016 ( here attached ) responding to the disputed charge, and stating that I should allow 60 days for them to pursue the issue with the merchant. I have contacted them over 25 times - have spoken to " supervisors '' and have been told that my case has been highly " escalated '' to the " Bank ''. They do not allow communication with any higher ups, and after 9 months, there is absolutely no resolution in sight. They tell me that the situation is complicated as the charge was made when the card was with XXXX, but I have no recourse with XXXX, as it is now Barclay. This should not be my problem - the XXXX companies should work this out. I paid Barclay as evidenced on the attached credit card bill. 
This treatment of a loyal customer is outrageous. I need help dealing with this disaster!
PayPal, allowed 5 different companies over three months ( plus but I only have documentation of these ) to charge me twice for goods or services totaling XXXX and when I called to ask them to locate and refund my money they put me on hold for 2 hours. They also allowed companies to send me damaged goods and keep my money, so much for their consumer protection, which is a lie so its fraudulent
In XXXX, I disputed an entry on my Experian credit report for a previous mortgage I had with XXXX XXXX XXXX. The entry reports a 30 day late for XXXX & XXXX which are incorrect. The mortgage was paid off XXXX when the home was sold. Supporting documentation was sent certified mail to Experian on XXXX separate occasions ( again in XXXX ) proving the loan was paid off and the entries were invalid. Both times Experian returned the results as being confirmed by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX about the issue who advised they only reported the loan being paid in full for XXXX and there was no payment status reported for XXXX or XXXX. XXXX XXXX XXXX agreed to send a letter advising the there were no late payments for those XXXX months. Due to the errors in my credit report I am unable to close on a new home until the report is corrected. Both XXXX and XXXX report the trade line correctly, but Experian refuses to correct the entries even with supporting documentation and a letter from XXXX XXXX XXXX confirming the entry is invalid. I would just like my credit report corrected to reflect the correct information so I can close on my new home. Any assistance you can provide with this matter would be greatly appreciated
According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit  bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX.
I returned XXXX appliances to Sears after XXXX became unavailable after purchase. It took nearly 3 months for the credit to appear back on the credit card, a Sears card issued by Citibank. For two months, I 've been asking for the credit to be transferred directly to my bank account ( consumer is given the option of a mailed check or direct deposit ). Each of the multiple times I have called, I was told it would take 3-5 business days. Two months later, I 'm told I was sent a check on XXXX/XXXX/16 which can take 7-10 business days to arrive. Total amount due to me is in excess of {$4000.00}
The collection agency JNR Adjustment located at XXXX XXXX XXXX XXXX XXXX in XXXX Florida has this debt under someone else name and they refuse to give me a statement stating that I am released from the financial responsibilities of this debt. They said unless the person that is responsible pays in full, they can not provide me with this letter. Meanwhile my driver 's license has been XXXX and I can not get it reinstated unless they provide me with this letter.
They keep locking me from filing disputes and I send proof for wrong entries by mail and they will not fix problem and wo n't accept my disputes, and keep putting fraud alerts on my file for no reason and keeps me from improving my credit to purchase home, I 'm ready to hire an attorney and file suit against them for interfering with this and not following federal and state laws. I want this fixed.
When Lowes posts payments to your statement they take the payment and prorate it over all your different ongoing accounts that have different due dates IE 6 months 12 months etc. By doing this your oldest due date may never get paid off completely, and you get charged the interest. I really thought this was declared illegal along time ago, and NONE of my other cards do this. Even some from the same bank as lowes. XXXX XXXX XXXX
Transunion along with XXXX and XXXX  are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.
ditech mortgage through erroneous handling of payments I made on my mortgage is claiming that I owe a larger principal balance than is accurate. 

I have spoken with them multiple times, and provided supporting documentation, but they have failed to contact me in return once all information was provided to them - they fail to contact me to resolve the issue.
My mortgage was started originally with XXXX Bank and then XXXX Bank changed banking of mortgage and turned my paper work over to SLS ( Acct # XXXX ) I decided that i did not want to be with whom XXXX threw me to and chose to continue my mortgage for my home with XXXX XXXX ( Loan # : XXXX ). SLS gave me information that i had to pay monies in order to retrieve original documents from an attorney office called XXXX XXXX XXXX XXXX. I did all they requested and paid monies but SLS and the attorney has not forwarded the requested information over to XXXX XXXX and this is hindering me obtaining a closing date. This would be my second time going through this process and getting no where with SLS. Everything that XXXX XXXX of XXXX XXXX has asked and requested, i have given and except for this part of the transaction. I can go no further with XXXX XXXX unless SLS releases documents Underwriter is requesting from them. I feel as though they are trying to force me into staying with them and i do not want to. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX is very rude and never returns any calls. She told me it was out of her hands but it is SLS who they acquire paper work from and forward over to appropriate parties but it seems she has not a care. I am requesting help immediately to resolve this problem, as it has been going on for 2 years now. Any assistance would be gratefully appreciated.
For the last 5 years XXXX XXXX XXXX has harassed me about a debt to XXXX XXXX cedit card company. I have made payments through XXXX and the when they were not making the payment on time I took it from them and stated paying XXXX. They then sold the account to XXXX. I was locked out of XXXX website in order to make anymore payments. There is no record of the payments I have made to anyone. They are demanding I pay XXXX. 
They have sent this to an attorney in XXXX XXXX, Mo XXXX and XXXX. 
They to say they have no records of any payments made. 
The amount they are asking for is mostly late fees and interest. I have no way to retrieve my payment info. 
They have threatened me and harassed me for months with phones calls and letters. 
They refuse to send me documentation of payments I have paid. The lawyers refuse to send me proof of my payments either.
i got few hard inquiries that i never requested from this bank tried to contact them over the phone and they said they gon na get it removed after 4 months i still see all of them on my credit report